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Insurance policy backup Fluke dual to -22

Additional paid in advance peace love 2007 critical illness insurance terms
(2007 6 menstrual China Insurance Regulatory Commission for the record)
Special Note
Thank you for choosing Pacific Life Insurance Company.
For your convenience better understanding of the insurance policy, we provide the following basic terms commonly used definition.
basic definition of the term:
insured is entered into insurance contracts with insurance companies who, according to the insurance contract bears the obligation to pay insurance premiums In this contract as the insurer.
beneficiary is a life insurance contract, the insured or insured by the specified enjoy insurance claims people.
In addition, in terms of text you read this before you look directory, so that the structure of the terms of a general understanding.
each part of the terms are related to your personal interests, be sure to read carefully one by one.
first part of your (insured) and us (Taiping Life Insurance Co., Ltd.) contract
first insurance contract constitutes payment in advance
peace love additional critical illness insurance contracts 2007 (hereinafter referred to as the additional contract) in accordance with your application, we can provide in addition to the main contract on the examination and approval by us, and in the insurance policy or endorsement in effect after specified.
main terms of the contract with the relevant part of the additional contract are an integral part of this additional contract, if the main contract and the additional contract each other the terms of a conflict, the additional contract shall prevail.
additional contract constitutes the main part of the contract,Canada Goose Menn Parka 以下小頭, indivisible, must be br> Article
insurance coverage acceptable to the additional contract of insurance the insured person aged at least 60 days of birth to 65 years of age # 1.
second part of what security benefits we provide the basic insurance amount
Article and the additional contract amount of insurance
the basic insurance amount agreed upon by you and us, and stated on the insurance policy or endorsement, if the basic contract, the additional amount of insurance change, places change after the amount of basic insurance amount .
if the insured person for the first time the incidence of # 2 and # 3 diagnosed by the hospital suffering from the first additional contract as defined in Article XIV of the major diseases under the age of 4 years of age, the amount of insurance specified in the following table Amount:
age of the insured amount of insurance (a percentage of total basic insurance amount)
less than 1 year old 20%
least 1 year old 2 years old but less than 40%
least 2 years but less than 3 years 60%
least 3 years of age but less than 4 years of age 80%
if the insured person for the first time the initial diagnosis of disease and the hospital suffering from this additional contract as defined in Article XIV of the age is full of major diseases 4 years of age, the basic insurance amount is the amount of insurance.
Article
insurance critical illness insurance
additional contract in the insurance period and the additional contract effective from the effective date of this additional contract or last reinstatement day (whichever is later) within 90 days after the first incidence of the insured and the initial diagnosis by the hospital suffering from one or more of the additional contract as defined in Article XIV of the major diseases, we have an additional contract in accordance with this insurance, critical illness insurance benefit amount, while the additional effect of termination of the contract, the main contract, along with the basic insurance amount less the amount of additional basic insurance contract.
by the hospital if the insured person suffering from the initial diagnosis of the first additional contract fourteen defined in one or more significant disease, and the first onset of this additional contract effective date or last reinstatement date (whichever is later) within 90 days (including the first 90 days), we do not assume insurance does not refund the additional interest paid by the insurance contract, while the effect of the additional contract termination.
Article exclusions
in any of the following occur during or because of the following circumstances leading to the insured person suffering from additional contract on the children as defined by major diseases, we do not assume the insurance liability:
# 1 year old: that in accordance with ID card, residence booklet, passport, military identification card and other legal date of birth recorded in the calculation of the age.
# 2 disease: refers to the emergence of the insured as defined in this contract the disease precursor or abnormal physical condition, or have seen enough to make the general public attention and to seek diagnosis, treatment or care of disease.
# 3 Hospital: National Ministry of Health hospitals by level or two above the two hospitals, but does not include primarily outpatient, rehabilitation, nursing, convalescent, alcohol, drug or similar medical institutions, while the hospital must meet the requirements of hospital management Setting the standard for medical equipment, and provide 24-hour availability of qualified doctors and nurses in medical and hospital care and other services.
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one, the insured, the beneficiary of the insured person's willful killing, intentional injuries;
Second, the main contract the death of the insured person the exemption from liability exclusions set forth in (such as the additional contract, except as otherwise agreed).
Third, the insured person to take, smoking or injecting drug ;
four, the insured person drink driving, driving without valid driver's license, driving license or driving without a valid motor vehicle;
five, the insured person infected with HIV or AIDS # 4;
six, war, military conflict, violence or armed rebellion;
seven nuclear explosions, nuclear radiation or nuclear contamination;
eight # 5 of hereditary diseases, congenital malformations, deformation or chromosomal abnormalities # 6.
occurrence of the above cases, if you pay the full 2 ​​years or 2 years, insurance premiums, we refund the cash value of this additional contract # 6; If you do not pay the full premium for 2 years, we have # 7, after deducting fees refund of premiums, while the effect of the additional contract termination.
Article liability insurance and insurance during the beginning of this additional contract
we should bear the responsibility of the insurance cover from our agreement, collect premiums and issue a first insurance since midnight the next day (specific to the effective date stated on the policy or endorsement date), to the insured after the first 100 years anniversary of the insurance policy expires midnight the same day, the additional effect of termination of contract .
third part of how to pay insurance premiums to pay

Article VII of the premium payment method and additional contract, payment date consistent with the main contract.
Article premium rates Adjust to increase or decrease
We reserve the right to insurance rates, but the required regulatory filings. premium rate adjustment for all the insured or the insured person the same class.
us premium rate adjustment, Your premium rate shall be adjusted to pay the renewal premium, premium rate adjustments before you have to pay the premium is not affected.
fourth part of Article IX
how to apply for insurance beneficiary designation and The additional contract changes
insurance beneficiaries of the insured person himself.
application time
Article to know the insurance beneficiary from the date of the accident two years to enjoy the right to apply for insurance, not more than 2 years application, shall be deemed a waiver.
Article XI apply for the necessary materials
insured person apply for critical illness insurance, you should complete the application form to our claims, and provide the following documents and information :
1. insurance policy or insurance certificate;
# 4 infected with HIV or AIDS:: HIV means the human immunodeficiency virus, the English abbreviation for HIV. refers to the human immunodeficiency virus HIV causes Acquired Immune Deficiency syndrome, the English abbreviation for AIDS. in human blood or other samples to detect HIV antibody positive or no clinical symptoms or signs, for the HIV virus; if at the same time there is a clear clinical symptoms or signs, infestation AIDS.
# 5 genetic disease: refers to the germ cells or fertilized egg's genetic material (chromosomes and genes) mutation or distortion caused by the disease, usually transmitted to offspring with the parental generation of vertical transmission characteristics.
# 6 Congenital malformations, deformations or chromosomal abnormalities:: refers to when the insured person is born with a malformation, deformation or chromosomal abnormalities. Congenital malformations, deformations and chromosomal abnormalities according to the World Health Organization, has the cash value stated on the insurance policy or endorsement.
# 8 Fee: per insurance contract refers to the average bear the operating expenses, commissions, and we assumed the liability insurance contract fees charged by the other three paragraph and, if termination occurs late in policy year, the termination of the contract occurred in the policy year, then (2) most recent payment certificate;
3. the insured person's legal identity # 9;
4. issued by the hospital with the insured, pathology, blood and other scientific methods of inspection reports and other diagnostic documents ;
5. it can provide insurance, accident and confirm the nature, cause, degree of injury and other relevant evidence and information;
6. If you entrust others to apply, you should provide power of attorney, trustee of the statutory identification and other related documents.
You also have the fifth part of what rights
Article XII of the insurance contract, the right of cancellation
in the life of the contract attached, you inform us in writing the right to terminate this additional the contract.
one, you can receive this additional contract period of 10 days of hesitation, the hesitation period for the lifting of the additional contract, we have to pay the premium refunded without interest.
Second, the hesitation additional period for the lifting of the contract,ugg ベイリーボタン entitled ‘, the relevant documents and information we have collected the day after midnight, the additional effect of termination of the contract. The termination of the contract an additional 30 days, we refund the cash value of this additional contract, if you do not pay the full premium for 2 years, we refund the premium after deducting the fee.
Third, for the lifting of the attached contract,www.canadas-gooses.com, terminate the contract should fill out our application form and provide the following documents and information:
1 This additional original contract or insurance certificate;
2. most recent payment certificate;
3. your legal identity.
Part VI Other items you need to know the tenth
three of the insurance contract additional contract termination
Except as otherwise agreed, the additional effect of the contract in the event of automatic termination of one of the following conditions:
1, the main contract is terminated, expired, terminated;
II. The additional contract expires on midnight the day # 10;
Third, the emergence of the main contract or other agreement attached contract termination case.
Article XIV of major diseases, the types and occurrence of the insured defined
conditions described in the following definition of the disease the disease should be diagnosed by a specialist # 11.
(1-25 of April 3, 2007 the official opening of the The specification developed by the Insurance Association of China)
1. malignancies: malignant cells from the control means for growth and proliferation, invasion and destruction of surrounding normal tissue,ugg ムートンブーツ Ofili’, can be made by blood vessels, lymphatic vessels and body cavities diffusion transfer to the body other parts of the disease. diagnosed by pathological examination results, clinical diagnosis is the World Health Organization,
(1) carcinoma in situ;
(2) A period equivalent to the degree program Binet stage chronic lymphocytic leukemia;
(3) is equivalent to a phased program of Ann Arbor stage I Hodgkin degree Guinness Book of disease;
(4) skin cancer (excluding melanoma and skin cancer metastasis has occurred);
# 9 legal identity:: refers to the ID card, residence booklet, passport, military card.
# 10 this additional contract expiry date: refers to the endorsement on the insurance policy or contract listed after the effective date of the corresponding day after the period of insurance, if no corresponding month of the same day, places the last day of the month as the corresponding day .
# 11 specialists: specialist qualification should meet the following four conditions: (1) has a valid Republic of China and registration on schedule to the relevant departments; (3) has a valid physician or physician's Republic of China over the title of more.
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(5) TNM staging of T1N0M0 period or lighter stages of prostate cancer (Note);
(6) infected with HIV or suffering from AIDS patients during the vicious the tumor.
Note: If the critical illness insurance for women, not including this.
2. Acute myocardial infarction: refers to obstruction caused by coronary insufficiency causing part of the corresponding region of myocardial necrosis. must meet the following at least three Item condition:
(1) typical clinical manifestations, such as acute chest pain, etc.;
(2) recent ECG changes with acute myocardial infarction;
(3) cardiac enzymes or troponin diagnostic significance of the rise high, or acute myocardial infarction was in line with the dynamic changes;
(4) 90 days after onset, confirmed by reduced left ventricular function, such as left ventricular ejection fraction less than 50%.
3. stroke sequelae: refers to the unexpected result of cerebral vascular lesions caused by cerebral hemorrhage, thrombosis or infarction, and lead to permanent neurological dysfunction of the nervous system permanent dysfunction, refers to the disease diagnosed 180 days, still left one or more than one disorder:
(1) a limb or a limb over limb function completely lost # 12;
(2) language ability or complete loss of ability to chew and swallow # 13;
(3) independent living skills completely lost, unable to independently complete the six basic activities of daily living # 14 in three or more.
4. major organ transplantation or hematopoietic stem cell transplantation: a major organ transplant surgery, saying that since the corresponding organ failure,moncler outlet, has implemented a kidney, liver, heart or lungs of allogeneic transplant.
hematopoietic stem cell transplantation, hematopoietic function due to damage or refers to hematopoietic malignancies, hematopoietic stem cells have been implemented (including the bone marrow hematopoietic stem cells, peripheral blood stem cells and cord blood stem cells) of allogeneic transplant.
5. coronary artery bypass surgery (also called coronary artery bypass grafting): refers to the treatment of severe coronary heart disease, the actual implementation of the thoracotomy for the coronary artery bypass transplant surgery.
coronary stent implantation, balloon dilation catheter, laser technology and other non-RF involvement of thoracic surgery, laparoscopic surgery is not within the scope of protection.
6. end-stage renal disease ( or chronic renal failure and uremia): refers to the function of chronic irreversible renal failure, to uremia, have been diagnosed at least 90 days of regular dialysis treatments or kidney transplants carried out.
7 . more limbs missing: that due to illness or injuries resulting from two or more limbs proximal wrist or ankle joint (near the trunk side) or more complete break away from.
8. acute or subacute severe hepatitis : refers to the hepatitis C virus infection due to diffuse necrosis of the liver tissue, leading to acute liver failure, and by serological or virological examination confirmed, and shall meet all of the following conditions:
(1) severe jaundice or jaundice rapidly increased;
(2) hepatic encephalopathy;
(3) B ultrasound or other imaging studies show liver volume shrunk;
(4) progressive deterioration of liver function.
9. benign brain tumor : refers to the brain tumor, has given rise to increased intracranial pressure, clinical manifestations of optic disc edema, mental symptoms, seizures and motor and sensory disorders, and life-threatening. shall be the head tomography (CT), magnetic resonance imaging (MRI) or positron emission tomography (PET) and other imaging studies confirmed, and shall meet at least one of the following conditions:
(1) the actual implementation of the craniotomy for brain tumor resection or complete resection surgery;
(2) the actual implementation of the radiation therapy of brain tumors.
pituitary tumors, brain cyst, cerebral vascular disease is not within the scope of protection.
10. chronic decompensated liver failure: refers to the result of chronic liver disease leading to liver failure. must meet all of the following conditions:
# 12 complete loss of physical function: refers to the three major joints in the limbs of the two joint stiffness, or not with awareness activities. physical means, including the whole shoulder upper or lower extremities, including the entire hip.
# 13 language skills or complete loss of ability to chew and swallow: complete loss of language skills, four types of speech that can not (including the lips tone, teeth tongue, throat flap tone and sound) in any of the three, or total removal of the vocal cords,UGG クラシックカーディー, or brain's language center for injured and suffering from aphasia. completely lost the ability to chew and swallow, refers to the teeth due to causes beyond the control of the quality impairment or dysfunction, which can not be chewing swallowing, In addition to liquid food, the state can not be ingested or swallowed.
# 14 six basic activities of daily living:: refers to (1) dress: they can dress and undress; (2) Mobile: own from one room to another room; (3) Action: own up and down on the bed or a wheelchair; (4) toilet: to control the urine; (5) eating: he has been prepared from a bowl or dish to take food into the mouth; (6) bath: shower or bath themselves.
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(1) persistent jaundice;
(2) ascites;
(3) hepatic encephalopathy;
(4 ) congestive splenomegaly with hypersplenism or esophageal varices.
due to alcohol or drug abuse does not lead to liver failure within the scope of protection.
11. encephalitis or meningitis sequelae: refers to the suffering encephalitis or meningitis caused permanent neurological dysfunction permanent nervous system dysfunction, refers to the disease diagnosed 180 days, still left one or more of the following barriers:
(1) of one limb or a complete loss of limb function of these limbs;
(2) language ability or complete loss of ability to chew and swallow;
(3) complete loss of independent living skills, can not be independently six basic activities of daily living in three or three items above.
12. deep coma: refers to the injury caused by disease or accident, loss of consciousness, the body needs for external stimulation and no response, coma Glasgow coma scale in accordance with (Glasgow coma scale) the results of 5 or 5 the following, and has continued to use a ventilator and other life support systems more than 96 hours.
due to alcohol or drug abuse led to the depth of the coma is not within the scope of protection.
13. deaf - year-old claims the beginning: that due to illness or injuries resulting binaural hearing permanently irreversible # 15 of the loss at 500 Hz, 1000 Hz and 2000 Hz voice frequency, the average hearing threshold greater than 90 decibels, and by pure tone audiometry testing, acoustic impedance test or auditory evoked potential and so confirmed. application claims when the insured person must be aged more than three years old, and provides diagnostic hearing loss claims, and then check the evidence.
14. blind - year-old claims the beginning: that due to illness or accidental injury leading to double irreversible vision loss permanent head,UGG ベイリーボタントリプレット, eyes in the better eye must meet at least one of the following conditions:
(1) the eye is missing or removed;
(2) corrected visual acuity less than 0.02 (using the international standard vision chart, if use other eye chart should be converted);
(3) radius of less than 5 degrees field of vision.
application claims when the insured person must be aged three years or more, and provides visual loss claims at the time the diagnosis and examination of evidence.
15. paralysis: refers to the result due to illness or accident for more than two limbs or two limbs permanent total loss of physical function. permanent total loss of limb function, refers to the disease diagnosed 180 days or 180 days after the accident occurred, three of each limb two joints are still completely stiff joints, or not with awareness activities.
16. heart valve surgery: refers to the treatment of heart valve disease, the actual implementation of the chest for heart valve replacement or repair surgery.
17 severe Alzheimer's disease: refers to the brain due to progressive, irreversible change has resulted in a severe recession or loss of intelligence, clinical manifestations of significant cognitive and behavioral abnormalities and impaired social skills, their daily lives must continue to care by others . by head tomography (CT), magnetic resonance imaging (MRI) or positron emission tomography (PET) and other imaging studies confirmed, and the complete loss of independent living skills, can not be independently six basic activities of daily living in the three three items or more.
neurosis and mental illness are not within the scope of protection.
18. severe brain damage: refers to the head suffered due to mechanical force, the important parts of the brain damage caused by, resulting in permanent neurological dysfunction by head tomography (CT), magnetic resonance imaging (MRI) or positron emission tomography (PET) and other imaging studies confirm permanent nervous system dysfunction, brain injury refers to 180 days, still remaining one or more of the following barriers:
(1) a limb or a limb over limb function completely lost;
(2) language ability or complete loss of ability to chew and swallow;
(3) independent living skills completely lost, unable to independently complete the six basic activities of daily living in three or more.
severe Parkinson's disease: a degenerative disease of the central nervous system, clinical manifestations of tremor, paralysis, ataxia, etc. . must meet all of the following conditions:
# 15 permanent irreversible:: refers to the diagnosis of disease or accident from the date of injury, 180 days after active treatment, medical treatment is still not available to restore.
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(1) drug treatment can not control the disease;
(2) complete loss of independent living skills, can not be independently six basic activities of daily living in three or more.
secondary Parkinson's syndrome is not within the scope of protection.
20. Ⅲ degree burns serious: refers to the degree Ⅲ degree burns, and Ⅲ ° burn area of ​​the whole body surface area of ​​20% or 20%. body surface area according to nine points method United States New York Heart Association class IV heart function classification, and resting mean pulmonary artery pressure more than 30mmHg.
22. severe motor neuron disease: the central nervous system is a group of progressive motor neuron degenerative diseases, including spinal muscular atrophy, progressive bulbar palsy, primary lateral sclerosis, amyotrophic lateral sclerosis. must satisfy the complete loss of independent living skills, can not be independently six basic activities of daily living in the three three or more items or conditions.
23. the loss of language skills - year-old claims the beginning: that due to illness or accidental injury leading to complete loss of language skills, through active treatment for at least 12 months (the vocal cords completely removed from the time limit ), still unable to recover through the existing medical treatment.
psychological factors due to the loss of language skills is not within the scope of protection.
application claims when the insured person must be aged more than three years old, and the language was to provide claims disability diagnosis and examination of evidence.
24. aplastic anemia: refers to the result of bone marrow failure due to chronic persistent anemia, neutropenia and thrombocytopenia. must meet all of the following conditions:
( 1) bone marrow biopsy or bone marrow biopsy findings support the diagnosis;
(2) peripheral blood must have the following three conditions:
① neutrophils l0.5t109 / L;
② reticulocyte <1%;
③ platelet absolute l20t109 / L.
25. Aortic Surgery: means for the treatment of aortic disease, the actual implementation of a thoracotomy or laparotomy for the removal, replacement, repair the primary lesions artery surgery. aorta means the thoracic aorta and abdominal aorta, not including the thoracic aorta and abdominal aortic branch vessels.
artery angioplasty is not within the scope of protection.
(26-30 for the we increase the disease)
26. severe multiple sclerosis: multiple sclerosis central nervous system demyelinating disease progressive multifocal white matter,Canada Goose Jakker, gray matter lesions involving at times. to confirm the diagnosis of multiple sclerosis, and has caused damage to the nervous system function lead to permanent irreversible can not be insured independently complete the following basic activities of daily living:
(1) Mobile: their move from one room to another room;
(2) eating: he has been prepared from the bowl or to take food into the dish in the mouth.
27. because of professional relationship led to the HIV infection: the insured in the course of their regular professional work experience trauma, or other professional to deal with blood or body fluids infected with human immunodeficiency virus (HIV ).
claims must meet all the following conditions:
(1) infection must be insured is engaged in their professional work place, the profession must belong to the following list of career.
(2) must provide insured reported the accident within 5 days after the conduct of the inspection report, the report must show the insured blood of HIV-negative and / or HIV antibody negative.
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(3) must be After the accident the insured within 12 months of the body confirmed the presence of HIV virus or HIV antibodies.
employment restrictions are as follows:
nurses, doctors and dentists
hospital laboratory staff physician care workers
assistant and dental assistant midwives firefighters ambulance workers

police guards
28. severe chronic respiratory failure: chronic lung disease lead to permanent irreversible chronic respiratory failure, must be confirmed by a respiratory specialist and meet all the following conditions:
(1) difficulty in breathing at rest;
(2) arterial oxygen tension (PaO 2) <50mmHg;
(3) arterial oxygen saturation (SaO 2) <80%;
(4) due to lack of oxygen to accept continuous oxygen therapy.
29. serious coronary heart disease: means a cardiology specialist according to the results of coronary angiography diagnosis of the three major blood vessels (left main coronary artery and right coronary artery, or anterior descending artery, L-branch and right coronary artery) stenosis lesions (at least a 75% reduction in vessel lumen diameter and the other two vessels above more than 60% luminal diameter reduction). anterior descending artery, L-branch and right coronary branch vessels do not narrow as the security measure.
30 Polio: Polio is polio virus as paralyzing disease caused by infection, clinical manifestations of motor function damage or respiratory weakness. must be a clear diagnosis of polio in this policy only for polio nervous system damage caused by the insured result in a limb or a limb over limb function be the case for permanent total loss claims. permanent total loss of limb function, refers to the disease diagnosed 180 days after the three joints in each limb of the two joints is still completely stiff, or not with awareness activities.


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