ST第二章人寿保险核保

holiday pension and health cultural and creative experience sports health farming rural bed and breakfasts in new formats Three is the brand to create articles XX agricultural comparative advantage into full play especially the exclusive advantages of climate mountains and sea resources to create a group of the city the province s called XX seafood snack foods and safe agricultural products brand characteristics Meanwhile new industry guidance support more farmers to participate in entrepreneurship promoting large scale projects such as bed and breakfasts farm seed breeding base construction Four is the mechanism innovation of the article Deepen agricultural reform focusing on supporting foster professional major family farms cooperatives enterprises and other new subjects of agricultural management improve agricultural production and operation of large scale professional level Advance the reform of property right system in rural areas to pay special attention to land rights improve the function of property rights trading center to guide land management to professional users family farms cooperatives leading enterprises in circulation Spare no effort to promote the province s Trinity farmer cooperative economy organization system reform of County building and actively explore the Trinity of production supply and marketing creditFarmer cooperative economy organization system real organic aggregates up to all kinds of business entities closely linked to the all aspects of production and marketing B to make the countryside more beautiful Promoting the construction of new towns and new countryside reactions together strengthening the construction of rural eco environment create the beautiful countryside construction upgrades making rural areas more livable suitable for industry and travel A focus on rural environment improvement As far as the rural the most basic is to make the environment clean and orderly Pollution to extensively mobilize the masses continue to carry water clear rivers down violations treatment of bleaching such as waste reduction flowering tree big six vigorously carry out waste reduction resource recovery improve the cleaning mechanism enhance the level of meticulous management of the village Second we must pay special attention to the beautiful residential building Adhere to the planning ahead because village system combination classification implementation demolition alteration simultaneously policy vigorously implement the five hundred beautiful countryside construction actively promote beautiful house pilot expansion Around 104 national road Ling Road longjindadao sea road Ju XI Liao road to catch the five sides of the main roads in about 200 villages beautiful countryside features boutique village created good job on planning environmental protection cultural heritage industrial development crafting lines to create the beautiful rural scenery boutique village breed characteristics No matter which as long as they caught up peach Lake and village after eight acres to create a standard even if the County financial to be nervous the County Government will fulfil their commitments and 3 million Yuan village of subsidies Third we must pay special attention to development of beauty industry Construction and traditional villages and beautiful countryside protection of history and culture village rural tourism bed and breakfast in combining economic on rural tourism development in precise and accurate positioning precision marketing supply and vigorously promote the beautiful rural landscape of rural tourism complex line fashion boutique farm village construction and strive to build a group of XX feature quality boutique accommodation project C efforts to get farmers to become even richer Off not well off the key to fellow the three agriculture final destination was improving farmers welfare improving farmers living standards Focus on three aspects one is increasing income generating efforts Actively developing the characteristic agriculture processing e commerce farm and bed and breakfast in economy ensure a stable operating income growth Deepen the three rights rights empowering the reform promoting the property income growth Strengthening of farmers skills training increase employment levels promoting sustained growth in wage income Guide enterprises to strengthen social responsibility equality and mutual benefit and signed a contract of purchase and sale of agricultural products for farmers cooperatives and farmers are encouraged guaranteed earnings share distribution system sharing the value added benefits of industrial development Second in the growing collective efforts City has developed the implementation of village level collective economy three years cultivating meter Requires three years of hard work and largely kongkecun the majority of villages have operating income Against this target we have to be based on local conditions use your head and actively explore and find ways and ensure completion of tasks in the city Third work on strengthened safeguards Advancing precision of poverty improve the low income household tracking dynamic management mechanism especially for unemployed can hold unable to get out of poverty of poverty further strengthening the fallback of subsistence allowances and social assistance and address the basic needs of poor people Deepening the reform of public services in rural areas focus on resolving prominent weakness of rural public service and people s livelihood facilities such as through the teaching medical and other ways to improve educational levels improving health conditions in rural areas By encouraging the Central village to set up day care centres to promote old age home rural elderly pension problems Third firmly grasp and continued to play well five water treatment of winning the war on February 29 this year the province s five water treatment 第二章第二章 人寿保险核保人寿保险核保 第一节第一节 人寿保险核保基础人寿保险核保基础 一 人寿保险产品一 人寿保险产品 一 人寿保险的概念 一 人寿保险的概念 人寿保险是以人的生命为保险标的 以人的生存或死亡为保险事件 当被 保险人在保险期限内死亡 生存至保险合同期满或约定的年龄时 保险人按照 合同约定支付死亡保险金或生存保险金的一种人身保险形式 二 人寿保险的种类 二 人寿保险的种类 三 我国寿险公司的主要寿险产品 三 我国寿险公司的主要寿险产品 参见中国人寿 新华人寿网站 二 相关术语解释二 相关术语解释 寿险风险保额 寿险风险保额 指对某包含寿险责任的产品 被保险人在保险期间内身故 保险人所给付的最高保险金额 累计寿险风险保额 累计寿险风险保额 指某一特定被保险人在本公司所购买的所有有效保单 及正在申请的投保申请中 寿险风险保额的累计 寿险保额 寿险保额 对寿险产品而言 被保险人在保险期间内身故或全残 本公司 承担保险责任的给付金额 如产品条款表述为意外身故或全残以及疾病身故或 全残保险责任的 以疾病身故或全残给付金额为准 累计寿险保额 累计寿险保额 指被保险人在本公司所有已生效及正在申请的保险合同中 寿险保额之和 人身风险保额 人身风险保额 指某一被保险人在本公司所购买的所有有效保单及正在申 请的投保申请中 累计身故风险保额的合计 对同时包含寿险责任 意外伤害 责任 重大疾病责任的产品 共同保额部分不重复累计 基本保额 基本保额 指每一险种保险合同条款费率表中列明的保额单位 高保额件 高保额件 某一被保险人在本公司所购买的所有有效保单及正在申请投保 的保险计划之合计的人身风险保额若超过 50 万元 则全部投保申请属于高额件 额外死亡率 额外死亡率 EM 是保险公司对客户健康状况进行风险评估的结果 某特殊风险群体的死亡率若高于标准人群 其高出标准人群死亡率的值即为该 特殊风险群体的额外死亡率 对于重大疾病责任条款 EM 代表重大疾病额外 发生率 医务核保 医务核保 指运用医学知识 对被保险人的健康状况进行评估的过程 需 要了解的健康状况主要包括被保险人的家族史 既往病史 及被保险人当前的 身体状况 财务核保 财务核保 是保险公司根据被保险人 投保人的实际收入状况评估被保险 holiday pension and health cultural and creative experience sports health farming rural bed and breakfasts in new formats Three is the brand to create articles XX agricultural comparative advantage into full play especially the exclusive advantages of climate mountains and sea resources to create a group of the city the province s called XX seafood snack foods and safe agricultural products brand characteristics Meanwhile new industry guidance support more farmers to participate in entrepreneurship promoting large scale projects such as bed and breakfasts farm seed breeding base construction Four is the mechanism innovation of the article Deepen agricultural reform focusing on supporting foster professional major family farms cooperatives enterprises and other new subjects of agricultural management improve agricultural production and operation of large scale professional level Advance the reform of property right system in rural areas to pay special attention to land rights improve the function of property rights trading center to guide land management to professional users family farms cooperatives leading enterprises in circulation Spare no effort to promote the province s Trinity farmer cooperative economy organization system reform of County building and actively explore the Trinity of production supply and marketing creditFarmer cooperative economy organization system real organic aggregates up to all kinds of business entities closely linked to the all aspects of production and marketing B to make the countryside more beautiful Promoting the construction of new towns and new countryside reactions together strengthening the construction of rural eco environment create the beautiful countryside construction upgrades making rural areas more livable suitable for industry and travel A focus on rural environment improvement As far as the rural the most basic is to make the environment clean and orderly Pollution to extensively mobilize the masses continue to carry water clear rivers down violations treatment of bleaching such as waste reduction flowering tree big six vigorously carry out waste reduction resource recovery improve the cleaning mechanism enhance the level of meticulous management of the village Second we must pay special attention to the beautiful residential building Adhere to the planning ahead because village system combination classification implementation demolition alteration simultaneously policy vigorously implement the five hundred beautiful countryside construction actively promote beautiful house pilot expansion Around 104 national road Ling Road longjindadao sea road Ju XI Liao road to catch the five sides of the main roads in about 200 villages beautiful countryside features boutique village created good job on planning environmental protection cultural heritage industrial development crafting lines to create the beautiful rural scenery boutique village breed characteristics No matter which as long as they caught up peach Lake and village after eight acres to create a standard even if the County financial to be nervous the County Government will fulfil their commitments and 3 million Yuan village of subsidies Third we must pay special attention to development of beauty industry Construction and traditional villages and beautiful countryside protection of history and culture village rural tourism bed and breakfast in combining economic on rural tourism development in precise and accurate positioning precision marketing supply and vigorously promote the beautiful rural landscape of rural tourism complex line fashion boutique farm village construction and strive to build a group of XX feature quality boutique accommodation project C efforts to get farmers to become even richer Off not well off the key to fellow the three agriculture final destination was improving farmers welfare improving farmers living standards Focus on three aspects one is increasing income generating efforts Actively developing the characteristic agriculture processing e commerce farm and bed and breakfast in economy ensure a stable operating income growth Deepen the three rights rights empowering the reform promoting the property income growth Strengthening of farmers skills training increase employment levels promoting sustained growth in wage income Guide enterprises to strengthen social responsibility equality and mutual benefit and signed a contract of purchase and sale of agricultural products for farmers cooperatives and farmers are encouraged guaranteed earnings share distribution system sharing the value added benefits of industrial development Second in the growing collective efforts City has developed the implementation of village level collective economy three years cultivating meter Requires three years of hard work and largely kongkecun the majority of villages have operating income Against this target we have to be based on local conditions use your head and actively explore and find ways and ensure completion of tasks in the city Third work on strengthened safeguards Advancing precision of poverty improve the low income household tracking dynamic management mechanism especially for unemployed can hold unable to get out of poverty of poverty further strengthening the fallback of subsistence allowances and social assistance and address the basic needs of poor people Deepening the reform of public services in rural areas focus on resolving prominent weakness of rural public service and people s livelihood facilities such as through the teaching medical and other ways to improve educational levels improving health conditions in rural areas By encouraging the Central village to set up day care centres to promote old age home rural elderly pension problems Third firmly grasp and continued to play well five water treatment of winning the war on February 29 this year the province s five water treatment2 人的保险金额及保险需求是否合理 是否具备续期交费能力的核保过程 其目 的是以适度的保险金额承保 最大程度避免超额投保 降低逆选择 防范道德 风险以及降低保单失效或早期退保的风险 以维护被保险人利益 生存调查 生存调查 又称契约调查 是指在契约合同成立过程中 由专业契约服务 人员通过面晤客户来核实投保合同的各项资料 并协助业务人员搜集相关资料 为公司作出核保决定提供依据的活动 可保体 可保体 是指保险公司可以进行承保的客户 可保体可分为标准体及次标 准体 非可保体 非可保体 是指因危险过大或危险程度难以确定而不能被保险公司所接纳 承保的客户 非可保体可分拒保体及延期投保体 标准体 标准体 就是从客户的健康 职业等方面的风险因素来看 符合公司的承 保原则 可以按照标准费率且无须以特别约定方式承保的客户 次标准体 次标准体 因健康状况方面的原因或所从事的职业具有特殊的危险 致使 该人群的死亡率高于标准体人群的死亡率 公司须附加一定条件承保的客户 拒保体 拒保体 是指被保险人的预期死亡率严重超过了通常可以接受的范围 其 危险程度严重超过了可采用附加条件承保的次标准体的危险程度 延期投保体 延期投保体 对危险程度不明确或不确定 无法进行准确合理的风险评估 的客户 或危险程度过大超过了可采用附加条件承保的次标准体的危险程度 但通过治疗等干预措施短期内有可能好转的 采用暂时不予承保即延期投保的 方式 这一类型客户即称为延期投保体 三 人寿保险核保程序三 人寿保险核保程序 一 核保件的范围 一 核保件的范围 1 新契约核保件 2 保全核保件 3 理赔 保全部门的信息反馈件 二 核保流程 二 核保流程 holiday pension and health cultural and creative experience sports health farming rural bed and breakfasts in new formats Three is the brand to create articles XX agricultural comparative advantage into full play especially the exclusive advantages of climate mountains and sea resources to create a group of the city the province s called XX seafood snack foods and safe agricultural products brand characteristics Meanwhile new industry guidance support more farmers to participate in entrepreneurship promoting large scale projects such as bed and breakfasts farm seed breeding base construction Four is the mechanism innovation of the article Deepen agricultural reform focusing on supporting foster professional major family farms cooperatives enterprises and other new subjects of agricultural management improve agricultural production and operation of large scale professional level Advance the reform of property right system in rural areas to pay special attention to land rights improve the function of property rights trading center to guide land management to professional users family farms cooperatives leading enterprises in circulation Spare no effort to promote the province s Trinity farmer cooperative economy organization system reform of County building and actively explore the Trinity of production supply and marketing creditFarmer cooperative economy organization system real organic aggregates up to all kinds of business entities closely linked to the all aspects of production and marketing B to make the countryside more beautiful Promoting the construction of new towns and new countryside reactions together strengthening the construction of rural eco environment create the beautiful countryside construction upgrades making rural areas more livable suitable for industry and travel A focus on rural environment improvement As far as the rural the most basic is to make the environment clean and orderly Pollution to extensively mobilize the masses continue to carry water clear rivers down violations treatment of bleaching such as waste reduction flowering tree big six vigorously carry out waste reduction resource recovery improve the cleaning mechanism enhance the level of meticulous management of the village Second we must pay special attention to the beautiful residential building Adhere to the planning ahead because village system combination classification implementation demolition alteration simultaneously policy vigorously implement the five hundred beautiful countryside construction actively promote beautiful house pilot expansion Around 104 national road Ling Road longjindadao sea road Ju XI Liao road to catch the five sides of the main roads in about 200 villages beautiful countryside features boutique village created good job on planning environmental protection cultural heritage industrial development crafting lines to create the beautiful rural scenery boutique village breed characteristics No matter which as long as they caught up peach Lake and village after eight acres to create a standard even if the County financial to be nervous the County Government will fulfil their commitments and 3 million Yuan village of subsidies Third we must pay special attention to development of beauty industry Construction and traditional villages and beautiful countryside protection of history and culture village rural tourism bed and breakfast in combining economic on rural tourism development in precise and accurate positioning precision marketing supply and vigorously promote the beautiful rural landscape of rural tourism complex line fashion boutique farm village construction and strive to build a group of XX feature quality boutique accommodation project C efforts to get farmers to become even richer Off not well off the key to fellow the three agriculture final destination was improving farmers welfare improving farmers living standards Focus on three aspects one is increasing income generating efforts Actively developing the characteristic agriculture processing e commerce farm and bed and breakfast in economy ensure a stable operating income growth Deepen the three rights rights empowering the reform promoting the property income growth Strengthening of farmers skills training increase employment levels promoting sustained growth in wage income Guide enterprises to strengthen social responsibility equality and mutual benefit and signed a contract of purchase and sale of agricultural products for farmers cooperative