××人寿保险公司重大疾病终身保险条款（ life-insurance company life insurance clauses for major diseases）

人寿保险公司重大疾病终身保险条款（LIFEINSURANCECOMPANYLIFEINSURANCECLAUSESFORMAJORDISEASES）LIFEINSURANCECOMPANYAGAINSTMAJORDISEASES,LIFEINSURANCECLAUSESAGAINSTSEETEXTAGAINSTAGAINSTFIRSTAGAINSTTHEINSURANCECONTRACTFORMSANLIINSURANCECONTRACTHEREINAFTERREFERREDTOASTHECONTRACTBYTHEINSURANCEPOLICYANDTHEATTACHEDTERMS,STATEMENTS,NOTES,ANDINCONNECTIONWITHTHECONTRACT,INSURANCEGROUP,REINSTATEMENTAPPLICATION,HEALTHDECLARATIONANDOTHERWRITTENAGREEMENTSCONSTITUTEAGAINSTAGAINSTSECONDAGAINSTCOVERAGEAGAINSTAGAINSTALLSEVENTYYEARSOFAGE,PHYSICALHEALTHMAYASTHEINSUREDPERSONORBYHAVINGANINSURABLEINTERESTONTHEINSUREDPERSONASTOTHELIFEINSURANCECOMPANYHEREINAFTERREFERREDTOASTHECOMPANYTHEINSUREDINSURANCEAGAINSTAGAINSTTHETHIRDAGAINSTTHECOMMENCEMENTOFTHEINSURANCELIABILITYSANLICOMPANYUNDERTAKESTHEINSURANCELIABILITYFROMTHECOMPANYAGREESTOACCEPTTHECHARGE,THEINITIALPREMIUMANDINSURANCEISSUEDBYTHESTARTOFTHEDAYUNLESSOTHERWISEAGREEDTHEDATEOFCOMMENCEMENTOFTHEINSURANCELIABILITYSHALLBETHEEFFECTIVEDATEOFTHECONTRACT,ANDTHECORRESPONDINGDATEOFTHEEFFECTIVEDATEOFEACHYEARORHALFYEARSHALLBETHEEFFECTIVEDATEOFTHECONTRACTEVERYYEARORHALFAYEARAGAINSTAGAINSTFOURTHAGAINSTTHEINSURANCELIABILITYAGAINSTAGAINSTTHEVALIDITYOFTHECONTRACT,THEINSURANCECOMPANYOFTHENEGATIVEAGAINSTAGAINSTTHEINSUREDORTHEENTRYINTOFORCEOFTHISCONTRACTORREINSTATEMENTTHEDATEOFONEHUNDREDANDEIGHTYDAYSAFTERTHEFIRSTOCCURRENCE,ANDTHEMEDICALINSTITUTIONSDESIGNATEDORAPPROVEDTHECOMPANYSDIAGNOSEDWITHMAJORDISEASESEITHERONEORMORE,THECOMPANYINSURESSERIOUSILLNESSESBYTWOTIMESTHEBASICCOVERAGEOFTHECONTRACTTHEMAJORDISEASEINSURANCEPAYMENTSHALLTERMINATEIFTHEMAJORDISEASEINSURANCEAGAINSTAGAINSTPAYMENTINPAYMENTPERIOD,PAYMENTFROMTHEDATEOFTHEEXEMPTIONPERIODINSURANCEPREMIUM,THISCONTRACTSHALLCONTINUETOBEEFFECTIVEAGAINSTAGAINSTTWO,THEDEATHOFTHEINSURED,THECOMPANYACCORDINGTOTHEBASICAMOUNTOFTHREETIMESTHEPAYMENTOFDEATHINSURANCE,BUTSHOULDBEDEDUCTEDFROMTHECRITICALILLNESSINSURANCEHASBEENPAID,THETERMINATIONOFTHECONTRACTAGAINSTAGAINSTTHREE,THEINSUREDBODYHEIGHTDISABILITY,THISCOMPANYSHALLPAYTHEBASICINSUREDAMOUNTOFTHREETIMESTHEHEIGHTOFDISABILITYINSURANCE,BUTSHOULDBEDEDUCTEDFROMTHEMAJORDISEASEINSURANCEHASBEENPAID,THETERMINATIONOFTHECONTRACTAGAINSTAGAINSTFIFTHAGAINSTTHELIABILITYEXEMPTIONAGAINSTAGAINSTBECAUSEOFTHEFOLLOWINGCIRCUMSTANCESLEADTOTHEDEATHOFTHEINSUREDPERSON,THEBODYHEIGHTOFDISABILITYORSUFFERINGFROMSERIOUSDISEASES,THECOMPANYASSUMESLIABILITYINSURANCEAGAINSTAGAINST,THEINSURED,THEBENEFICIARYINTENTIONALLYBEHAVIOROFTHEINSUREDTWO,THEINSUREDAGAINSTAGAINSTINTENTIONALCRIME,RESISTINGARREST,SELFINFLICTEDINJURIESTHREE,AGAINSTAGAINSTTHEINSURED,TAKINGORINJECTINGDRUGUSEAGAINSTAGAINSTFOUR,THEINSUREDSHALLINTHECONTRACTORREINSTATEMENTWITHINTWOYEARSFROMTHEDATEOFDUTCHACTFIVE,THEINSUREDAGAINSTAGAINSTDRUNKDRIVING,DRIVINGWITHOUTAVALIDLICENCE,ORDRIVINGAMOTORVEHICLEWITHOUTVALIDDRIVINGLICENSESIX,THEINSUREDAGAINSTAGAINSTHIVINFECTIONHIVPOSITIVEORSUFFERINGFROMAIDSAIDS,ORBECAUSEOFCONGENITALDISEASEDEATHAGAINSTAGAINSTSEVEN,THEINSUREDSHALLINTHECONTRACTORREINSTATEMENTWITHINONEHUNDREDANDEIGHTYDAYSFROMTHEDATEOFSUFFERINGFROMSERIOUSDISEASEORBECAUSEOFDISEASEANDDEATHORDISABILITYCAUSEDBYBODYHEIGHTAGAINSTAGAINSTEIGHT,WAR,MILITARYACTION,RIOTSORARMEDREBELLIONAGAINSTAGAINSTNINE,NUCLEAREXPLOSION,NUCLEARRADIATIONORNUCLEARPOLLUTIONANDCAUSEDBYTHEDISEASEAGAINSTAGAINSTTHEPRECEDINGPARAGRAPHSOCCURS,THETERMINATIONOFTHECONTRACTTHEAPPLICANTHASPAIDMORETHANTWOYEARSOFINSURANCEPREMIUMS,THECOMPANYRETURNEDTHECASHVALUEOFTHEINSURANCEPOLICYTHEAPPLICANTDIDNOTPAYTHEINSURANCEPREMIUMFORTWOYEARS,THECOMPANYAFTERDEDUCTINGTHEHANDLINGFEES,REFUNDTHEINSURANCEPREMIUMSIXTHAGAINSTINSURANCEAGAINSTAGAINSTAGAINSTAGAINSTINSURANCEDELIVERYINTOBARGES,ATTHETURNOFTHEYEAR,OVERHALF,THEPERIODOFPAYMENTOFPREMIUMFORINSTALLMENTPAYMENTISDIVIDEDINTOTENYEARSANDTWENTYYEARS,ANDTHEPOLICYHOLDERSHALLCHOOSETHEINSURANCEPREMIUMWHENITISINSUREDAGAINSTSEVENTHAGAINSTFIRSTAGAINSTTHEINSURANCEPREMIUM,INSURANCE,DELIVERYOFTHEGRACEPERIODAUTOMATICALLYPAIDANDTERMINATIONOFTHECONTRACTAGAINSTAGAINSTINSTALLMENTINSURANCEFEES,PAYMENTPREMIUMSHALLBEINACCORDANCEWITHTHEFOLLOWINGPROVISIONSTOTHECOMPANYDELIVERYAGAINSTAGAINSTAYEARTOPAYINSURANCEPREMIUMSFORTHEENTRYINTOFORCEONTHEDATEOFDELIVERYOFTHISCONTRACTCORRESPONDINGTOEVERYYEARAGAINSTAGAINSTTWO,HALFAYEARPAYINSURANCEPREMIUMSFORTHEDELIVERYDATEOFTHECONTRACTINFORCEINEACHHALFOFTHECORRESPONDINGDAYAGAINSTAGAINSTIFNOTACCORDINGTOTHEABOVEPROVISIONSOFTHEDATEOFPAYMENTOFINSURANCEPREMIUM,SINCETHENEXTDAYSIXTYDAYGRACEPERIODTHEINSURANCEACCIDENTOCCURSWITHINTHEGRACEPERIOD,THECOMPANYSTILLBEARSINSURANCERESPONSIBILITYMORETHANGRACEPERIODNOTPAYINSURANCEFEES,SUCHASTHECONTRACTWHENTHECASHVALUE,ANDTHEVALUEOFCASHBALANCESANDPAYINSURANCEPREMIUMSOWEDDEDUCTIONOFINTERESTONLOANSANDINTERESTTOPAIDDUETOPAYINSURANCEPREMIUM,THECOMPANYWILLBEAUTOMATICALLYPAIDTHELESSPAYINSURANCE,THECONTRACTSHALLCONTINUETOBEVALIDTHENTHEVALUEOFTHECONTRACTWHENTHECASHBALANCEISNOTENOUGHTOPAYFORTHEINSURANCEPAIDDUETIME,ORTHEPADPREMIUMANDINTERESTCASHVALUEOFTHISCONTRACT,THETERMINATIONOFTHECONTRACTAGAINSTAGAINSTEIGHTHAGAINSTTHEVALIDITYOFTHECONTRACTRECOVERYAGAINSTAGAINSTINTHECONTRACTVALIDITYWITHINTWOYEARSSINCETHEDATEOFTERMINATION,THEINSUREDMAYFILLINTHEAPPLICATIONFORREINSTATEMENTOFTHEBOOK,ANDTOPROVIDEMEDICALINSTITUTIONSISSUEDBYTHEINSURERSHEALTHDECLARATIONORTHECOMPANYDESIGNATEDORAPPROVEDBYTHEEXAMINATIONREPORT,APPLYFORRESTORATIONOFTHEVALIDITYOFTHECONTRACT,AGREEDBYTHECOMPANYSAUDIT,THESELFINSUREDPAYUNDERTHEINSURANCEPREMIUMANDINTEREST,THECONTRACTEFFECTIVENESSRESTORESAGAINSTAGAINSTSINCETHETERMINATIONOFTHECONTRACTWITHINTWOYEARSFROMTHEDATEOFTHETWOSIDESDIDNOTREACHANAGREEMENT,THECOMPANYHASTHERIGHTTOTERMINATETHISCONTRACTTHEAPPLICANTHASPAIDMORETHANTWOYEARSOFINSURANCEPREMIUMS,THECOMPANYRETURNEDTHECASHVALUEOFTHEINSURANCEPOLICYTHEAPPLICANTDIDNOTPAYTWOYEARSOFINSURANCEPREMIUMS,THECOMPANYAFTERDEDUCTINGTHEHANDLINGFEES,REFUNDTHEINSURANCEPREMIUMAGAINSTAGAINSTNINTHAGAINSTREDUCINGTHEAMOUNTPAIDINSURANCEOPTIONAGAINSTAGAINSTINTHECONTRACTWITHTHECASHVALUEOFTHECASE,THEAPPLICANTMAYATTHETIMEOFTHECONTRACTACCORDINGTOTHECASHVALUEINTHEINSURANCEANDDEDUCTTHEBALANCEOWEDTOTHELOANINTEREST,ANDINTEREST,ASALLINSURANCEYICIJIAOQING,REDUCETHEAMOUNTOFINSURANCEINTHESAMECONTRACT,THISCONTRACTSHALLCONTINUETOBEEFFECTIVETHISOPTIONDOESNOTAPPLYTOSUBSTANDARDINSURANCECONTRACTSAGAINSTAGAINSTTENTHAGAINSTDISCLOSURETHECONCLUSIONOFTHECONTRACTAGAINSTTHECOMPANYAGAINST,SHOULDEXPLAINITCLEARLYTOTHEAPPLICANTFORTHETERMSOFTHECONTRACT,ESPECIALLYTHEEXEMPTIONCLAUSE,ANDPUTFORWARDAWRITTENINQUIRYONTHESITUATIONINTHEINSURED,THEINSURER,THEINSURED,THEINSUREDSHALLTRUTHFULLYINFORMAGAINSTAGAINSTTHEINSUREDINTENTIONALLYCONCEALSTHEFACTSANDDOESNOTPERFORMTHEDUTYOFDISCLOSURE,ORNEGLIGENTLYFAILSTOPERFORMSUCHOBLIGATION,TOTHECOMPANYTODECIDEWHETHERTOAGREETOTHEINSURANCEORTORAISETHEINSURANCEPREMIUM,THECOMPANYHASTHERIGHTTOTERMINATETHISCONTRACTAGAINSTTHEINSUREDAGAINSTDELIBERATELYREFUSESTOPERFORMTHEOBLIGATIONTOINFORMTHECOMPANYOFTHISOCCURREDBEFORETHETERMINATIONOFTHECONTRACTOFINSURANCEACCIDENT,NOTBELIABLEFORPAYINGINSURANCEMONEY,DOESNOTRETURNTHEINSURANCEPREMIUMIFTHEINSURANTFAILSTOPERFORMTHEDUTYOFDISCLOSURE,SERIOUSLYAFFECTINGTHEOCCURRENCEOFINSURED,THECOMPANYOCCURREDBEFORETHETERMINATIONOFTHECONTRACTOFINSURANCEACCIDENT,NOTBELIABLEFORPAYINGINSURANCEMONEY,BUTMAYRETURNTHEINSURANCEPREMIUMDESIGNATEANDCHANGETHEBENEFICIARYAGAINSTAGAINSTELEVENTHAGAINSTAGAINSTAGAINSTTHEINSUREDORTHEINSUREDMAYDESIGNATEONEORMOREBENEFICIARIESIFTHEBENEFICIARYISAFEW,THEORDEROFBENEFITANDTHESHAREOFPROFITMAYBEDETERMINEDIFTHEBENEFICIARYDOESNOTDETERMINETHEBENEFICIARYSSHARE,THEBENEFICIARYSHALLENJOYTHERIGHTOFEQUALSHAREAGAINSTAGAINSTTHEINSUREDORTHEAPPLICANTMAYCHANGETHEBENEFICIARY,BUTNEEDTONOTICEINWRITINGTOTHECOMPANY,THECOMPANYISINEFFECTONTHEINSURANCEPOLICYSHALLBEENDORSEDAGAINSTTHEINSUREDAGAINSTSPECIFIEDORCHANGETHEBENEFICIARYSUBJECTTOTHEWRITTENCONSENTOFTHEINSUREDAGAINSTAGAINSTTHEINSUREDPERSONWITHOUTCIVILCAPACITYORAPERSONWITHLIMITEDCAPACITYFORCIVILCONDUCT,THEDESIGNATEDBENEFICIARYBYTHEGUARDIANAGAINSTTHEBENEFICIARYAGAINSTMAJORDISEASEINSURANCEANDHIGHDISABILITYINSURANCEFORTHEINSUREDPERSON,THECOMPANYDOESNOTACCEPTOTHERDESIGNATIONANDCHANGEAGAINSTAGAINSTTWELFTHAGAINSTBODYHEIGHTIDENTIFICATIONAGAINSTTHEINSUREDAGAINSTACCIDENTALINJURYORDISEASECAUSEDBYBODYHEIGHTSHOULDBEDISABLEDAFTERTHEENDOFTREATMENT,THEMEDICALINSTITUTIONDESIGNATEDORAPPROVEDTHECOMPANYSIDENTIFICATIONIFTHEINSUREDSUFFERSFROMACCIDENTALINJURYORILLNESSWITHINONEHUNDREDANDEIGHTYDAYSAFTERTHETREATMENTHASNOTYETENDED,ACCORDINGTOTHE180THDAYOFTHEBODYTOIDENTIFYAGAINSTAGAINSTTHIRTEENTHAGAINSTINSURANCEACCIDENTNOTICEAGAINSTAGAINSTTHEINSUREDORTHEBENEFICIARYSHALLBEINFORMEDOFTHEINSURANCEACCIDENTOCCURSWITHINTENDAYSFROMTHEDATEOFWRITTENNOTICETOTHECOMPANY,OTHERWISE,THEINSURED,THEINSUREDORTHEBENEFICIARYSHALLTAKENOTICEDUETOTHECOMPANYINCREASEDTHEDELAYOFSURVEYANDINVESTIGATIONCOSTS,BUTBECAUSEEXCEPTFORCEMAJEURECAUSEDELAYINTHEAGAINSTAGAINSTFOURTEENTHAGAINSTTHEINSURANCEAPPLICATIONAGAINSTAGAINSTONE,DURINGTHEEFFECTIVEPERIODOFTHISCONTRACTTHEINSUREDPERSONSUFFERINGFROMSERIOUSDISEASES,BYTHEINSUREDORBYTHEINSUREDAGENTASTHEAPPLICANT,FILLINTHEINSURANCEPAYMENTAPPLICATION,ANDSUBMITTHEFOLLOWINGCERTIFICATESANDMATERIALSAGAINST1AGAINSTTHEINSURANCECONTRACTANDINSURANCEPREMIUMPAYMENTLASTCERTIFICATE2WEREAGAINSTAGAINSTHOUSEHOLDREGISTRATIONCERTIFICATEANDIDOFTHEINSURERDISEASEDIAGNOSISCERTIFICATEISSUEDBYADESIGNATEDORAPPROVEDAGAINSTAGAINST3OFTHECOMPANYSMEDICALEXAMINATION,BLOODTESTSANDOTHERPATHOLOGICALMICROSCOPICSCIENTIFICMETHODSOFTESTREPORTIFNECESSARY,THECOMPANYHASTHERIGHTTOINSPECTTHEINSUREDPERSONSBODY,ATOUREXPENSEAGAINSTAGAINSTSUCHAS4AGENTS,SHOULDPROVIDETHEPOWEROFATTORNEY,PROOFOFIDENTITYANDOTHERRELEVANTINFORMATIONAGAINSTAGAINSTTWO,DURINGTHEEFFECTIVEPERIODOFTHISCONTRACTTHEDEATHOFTHEINSURED,THEDEATHINSURANCEBENEFICIARYASTHEAPPLICANT,FILLINTHEINSURANCEPAYMENTAPPLICATION,ANDSUBMITTHEFOLLOWINGCERTIFICATESANDMATERIALSAGAINST1AGAINSTTHEINSURANCECONTRACTANDINSURANCEPREMIUMPAYMENTLASTCERTIFICATEPROOFOFRESIDENCEANDIDENTITYDOCUMENTSAGAINSTAGAINSTTHE2BENEFICIARYAGAINSTAGAINST3PUBLICSECURITYDEPARTMENTSATORABOVETHECOUNTYINCLUDINGCOUNTYLEVELHOSPITALISSUEDTHEDEATHCERTIFICATEOFTHEINSUREDAGAINSTAGAINST4OFTHEINSUREDHOUSEHOLDREGISTRATIONCANCELLATIONCERTIFICATEAGAINSTAGAINST5THECOMPANYREQUIREMENTSANDPROVIDECONFIRMATIONOFTHENATURE,INSURANCEACCIDENTANDOTHERREASONSOFTHEEVIDENCEANDINFORMATIONAGAINSTAGAINSTTHREE,DURINGTHEEFFECTIVEPERIODOFTHISCONTRACTTHEINSUREDBODYHEIGHTOFDISABILITY,BYTHEINSUREDORBYTHEINSUREDAGENTASTHEAPPLICANT,FILLINTHEINSURANCEPAYMENTAPPLICATION,ANDSUBMITTHEFOLLOWINGCERTIFICATESANDMATERIALSAGAINST1AGAINSTTHEINSURANCECONTRACTANDINSURANCEPREMIUMPAYMENTLASTCERTIFICATE2WEREAGAINSTAGAINSTHOUSEHOLDREGISTRATIONCERTIFICATEANDIDOFTHEINSURERAGAINSTTHECOMPANYISSUEDAGAINST3DESIGNATEDORAPPROVEDMEDICALINSTITUTIONSINSUREDPHYSICALDISABILITYAPPRAISALAGAINSTAGAINSTSUCHAS4AGENTS,SHOULDPROVIDETHEPOWEROFATTORNEY,PROOFOFIDENTITYANDOTHERRELEVANTINFORMATIONAGAINSTAGAINST5THECOMPANYREQUIREMENTSANDPROVIDECONFIRMATIONOFTHENATURE,INSURANCEACCIDENTANDOTHERREASONSOFTHEEVIDENCEANDINFORMATIONFOUR,THECOMPANYRECEIVEDAGAINSTAGAINSTTHEAPPLICANTINSURANCEPAYMENTAPPLICATIONANDTHEEVIDENCEANDINFORMATION,TOBELONGTOTHEAPPROVEDINSURANCELIABILITY,THECOMPANYTENDAYSAFTERTHEPAYMENTOFTHEINSURANCEAGREEMENTREACHEDWITHTHEAPPLICANT,TOFULFILLTHEOBLIGATIONOFPAYINGTHEINSURANCEMONEYDOESNOTBELONGTOTHEINSURANCELIABILITY,THECOMPANYISSUEDANOTICEOFREFUSALTOPAYINSURANCEGOLDTOTHEAPPLICANTAGAINSTAGAINSTFIVE,THEINSUREDORTHEBENEFICIARYOFTHEREQUESTFORPAYMENTOFTHEINSURANCEBENEFITSFROMTHERIGHTTOKNOWTHEINSURANCEACCIDENTWITHINFIVEYEARSNOTTODISAPPEARAGAINSTAGAINSTFIFTEENTHAGAINSTLOANAGAINSTAGAINSTTHEVALIDITYOFTHECONTRACT,IFTHECONTRACTWASALREADYHASTHECASHVALUE,THEAPPLICANTMAYAPPLYFORALOANTOTHECOMPANYINWRITTENFORM,THEMAXIMUMLOANAMOUNTSHALLNOTEXCEEDTHECONTRACTATTHETIMEOFTHECASHVALUEAFTERDEDUCTINGOWEDTOTHEINSURANCEPREMIUMANDINTERESTONLOANSANDTHEINTERESTBALANCEAFTERSEVENTYPERCENT,EVERYTIMETHELOANSHALLNOTEXCEEDSIXAPRILAGAINSTAGAINSTLOANINTERESTINLOANREPAYMENTEXPIRATIONDATEIFTHEAMOUNTCANNOTBEREPAIDINTIME,ALLINTERESTWILLBEINCORPORATEDINTOTHEORIGINALAMOUNTOFTHELOAN,WHICHISDEEMEDTOBEANEWLOANATTHETIMEWHENCASHAGAINSTAGAINSTTHECONTRACTVALUEISINSUFFICIENTTOOFFSETTHEPREMIUMINARREARSANDTHEINTEREST,THELOANANDINTEREST,THETERMINATIONOFTHECONTRACTAGAINSTAGAINSTSIXTEENTHAGAINSTTHEDEDUCTIONOFARREARSSANLICOMPANYRETURNEDTOTHECONTRACTORTHECASHVALUEOFINSURANCEINTHEINSURANCE,THEINSUREDHASLESSTIMECONSUMING,SUCHASPAYINSURANCEFEESORINSURANCELOANSNOTREPAID,SHALLBEDEDUCTEDFROMTHEAMOUNTANDINTERESTPAYABLETOTHECOMPANYAGAINSTAGAINSTSEVENTEENTHAGAINSTTHECONVERTIBLEEQUITYAGAINSTAGAINSTTHECONTRACTPERIOD,THEINSUREDFORTHECONTRACTFORTWOYEARSAFTERAYEAROFENTRYINTOFORCEOFTHECORRESPONDINGDAYOFTHECONTRACTWILLBECONVERTEDTOTHEAPPROVEDLIFEINSURANCE,ENDOWMENTINSURANCEORPENSIONINSURANCECONTRACTWITHOUTINSURANCEUNDERWRITING,ANDTHEHIGHESTAMOUNTSHALLNOTEXCEEDTHEINSUREDAMOUNTOFTHESAMEBUTTHEINSUREDOVERFORTYFIVEYEARSAFTERTHEENTRYINTOFORCEOFTHECORRESPONDINGDAYNOLONGERENJOYTHERIGHTSTHENEWCONTRACTAGAINSTAGAINSTAFTERCONVERSIONWILLTAKEEFFECTONTHECONVERSIONDATE,THECOMPANYWILLACCORDINGTOTHEORIGINALCONTRACTUNDERWRITINGGRADE,THEDATEOFCONVERSIONOFTHEINSUREDAGEANDTHENEWCONTRACTRATEOFINSURANCEPREMIUMAGAINSTAGAINSTTHEEIGHTEENTHAGAINSTTHECONTENTSOFTHECONTRACTCHANGEAGAINSTAGAINSTTHEVALIDITYOFTHECONTRACT,THEINSUREDMAYFILLINTHEAPPLICATIONFORMFORTHECHANGETOCHANGETHECONTENTSOFTHECONTRACT,WITHTHECONSENTOFTHECOMPANYSAUDIT,ANDBYTHECOMPANYINTHEORIGINALINSURANCEPOLICYISSUEDBYTHENUMBEROFCOMMENTS,ORSINGLE,ORAWRITTENAGREEMENTWITHTHEINSUREDCHANGESAGAINSTAGAINSTNINETEENTHAGAINSTRESIDENCEORADDRESSCHANGEAGAINSTTHEINSUREDAGAINSTTHERESIDENCEORMAILINGADDRESSCHANGE,SHALLPROMPTLYNOTIFYTHECOMPANYINWRITINGIFTHEAPPLICANTFAILSTONOTIFYINWRITING,THECOMPANYSHALLSENDTHERELEVANTNOTICEATTHELASTPLACEOFRESIDENCEORMAILINGADDRESSASWEKNOWITAGAINSTAGAINSTTWENTIETHAGE,GENDERANDAGECALCULATIONAGAINSTERRORHANDLINGAGAINSTAGAINSTTHEINSUREDSAGEACCORDINGTOTHEAGECALCULATIONTHEINSUREDSHALLFILLOUTTHEACTUALAGEANDSEXOFTHEINSUREDONTHEAPPLICATIONFORMWHENTHEINSURANCEISCOVERED,AND,IFANYERROROCCURS,THECOMPANYSHALLCOMPLYWITHTHEFOLLOWINGPROVISIONSAGAINSTAAGAINSTTHEINSURED,THEDECLARATIONOFTHEAGEOFTHEINSUREDISNOTTRUEANDTHETRUEAGEDOESNOTCONFORMWITHTHEPROVISIONSOFTHISCONTRACTTHEAGELIMIT,THECOMPANYMAYTERMINATETHISCONTRACTANDRETURNTHEINSURANCEPREMIUMAFTERDEDUCTINGTHECOMMISSIONS,BUTMORETHANTWOYEARSFROMTHEEFFECTIVEDATEOFTHECONTRACTEXCEPTTWO,THEINSUREDAGAINSTAGAINSTTHEDECLARATIONOFTHEAGEOFTHEINSURED,SEXISNOTTRUE,THEINSUREDINSURANCEPREMIUMPAIDLESSTHANTHEINSURANCEPREMIUMPAYABLE,THECOMPANYHASTHERIGHTTOCORRECTANDREQUESTTHEAPPLICANTTOPAYTHEINSURANCEPREMIUMANDINTEREST,ORTOPAYTHEINSURANCEMONEYACCORDINGTOINSURANCEPREMIUMPAIDANDTHEPROPORTIONOFPAYMENTOFINSURANCEPREMIUMPAYABLETHREE,THEINSUREDAGAINSTAGAINSTTHEDECLARATIONOFTHEAGEOFTHEINSURED,SEXISNOTTRUE,THEINSUREDINSURANCEPREMIUMPAIDMORETHANTHEINSURANCEPREMIUMPAYABLE,THECOMPANYSHOULDBEOVERCHARGEDPREMIUMSREFUNDEDWITHOUTINTERESTINSUREDTREATMENTAGAINSTAGAINSTTWENTYFIRSTAGAINSTTHEINSUREDTOTERMINATETHECONTRACTSANLIAFTERTHEESTABLISHMENTOFTHECONTRACT,THEAPPLICANTMAYREQUESTINWRITINGTOTERMINATETHECONTRACT,ANDSUBMITTHEINSURANCECONTRACT,THELATESTINSURANCEPAYMENTCERTIFICATEANDTHEAPPLICANTSHOUSEHOLDREGISTRATIONCERTIFICATEANDIDENTITYDOCUMENTSBUTTHECOMPANYHASPAIDTHEMAJORDISEASEINSURANCE,THEINSUREDMAYNOTTERMINATETHISCONTRACTSANLIINSURANCECONTRACTRECEIVEDFROMTHECOMPANYTOTERMINATETHECONTRACTFORTHEDATEOFTERMINATIONIFTHEAPPLICANTREQUESTSTHETERMINATIONOFTHECONTRACTWITHINTENDAYSAFTERRECEIPTOFTHEINSURANCEPOLICY,THECOMPANYHASREFUNDEDALLTHEINSURANCEPREMIUMSRECEIVED,BUTIFITISEXAMINEDBYTHECOMPANY,THEMEDICALFEESHALLBEDEDUCTEDTHEAPPLICANTHASPAIDMORETHANTWOYEARSOFINSURANCEPREMIUMS,THECOMPANYRETURNEDTHECASHVALUEOFTHEINSURANCEPOLICYTHEAPPLICANTDIDNOTPAYTHEINSURANCEPREMIUMFORTWOYEARS,THECOMPANYAFTERDEDUCTINGTHEHANDLINGFEES,REFUNDTHEINSURANCEPREMIUMAGAINSTAGAINSTTWENTYSECONDAGAINSTDISPUTESAGAINSTAGAINSTBECAUSEOFTHEPERFORMANCEOFTHECONTRACTDISPUTES,RESOLVEDBYTHEPARTIESINCONSULTATION,THECONSULTATIONFAILS,THEPARTIESACCORDINGTOTHEARBITRATIONAGREEMENTREACHEDBYARBITRATIONWHERETHEREISNOARBITRATIONAGREEMENTORTHEARBITRATIONAGREEMENTISINVALID,THELAWSUITMAYBEBROUGHTTOTHEPEOPLESCOURTINACCORDANCEWITHTHELAWAGAINSTAGAINSTTWENTYTHIRDAGAINSTINTERPRETATIONSANLICLAUSESRELATEDTOTHEDEFINITIONSOFTERMSAREASFOLLOWSAGAINSTAGAINSTTHEBASICSUMINSUREDREFERSTOTHEAMOUNTOFINSURANCEINSURANCEINTERESTAGAINSTAGAINSTACCIDENTALINJURYREFERSTOTHENONEXOTICDISEASE,SUDDEN,UNINTENDED,THEBODYHURTTHEOBJECTIVECASEAGAINSTAGAINSTAIDSREFERSTOTHEACQUIREDIMMUNODEFICIENCYSYNDROMEAIDSAGAINSTAGAINSTAIDSVIRUSREFERSTOTHEHUMANIMMUNODEFICIENCYVIRUSHIVTHEDEFINITIONOFACQUIREDIMMUNODEFICIENCYSYNDROMESHOULDBEDEFINEDBYTHEWHOFORTHEDEVELOPMENTOFSTANDARDS,SUCHASHIVANTIBODYPOSITIVEINSEROLOGICALTESTING,CANBEIDENTIFIEDASINFECTEDWITHHIVORSUFFERINGFROMAIDSBOAGAINSTAGAINSTCONGENITALDISEASEREFERSTOTHEINSUREDISBORNWITHTHEDISEASESYMPTOMSORSIGNSTHEDISEASEREFERSTOTHEGENETICMATERIALINCLUDINGHUMANGENESANDCHROMOSOMESINWHICHTHEOCCURRENCEOFHARMFULTOHUMANBODYDUETOCHANGESININTERNALANDEXTERNALENVIRONMENT,ORBYSOMEPHYSICAL,CHEMICALANDBIOLOGICALFACTORSSUCHASTHEMOTHERDURINGPREGNANCY,THEFETALLOCALSOMATICCELLGROWTHISNOTNORMAL,LEADINGTORELEVANTORGANS,WHENTHEBABYWASBORNTHESYSTEMINFORMORFUNCTIONISABNORMALAGAINSTAGAINSTFORCEMAJEUREMEANSUNFORESEEABLE,UNAVOIDABLEANDINSURMOUNTABLEAGAINSTAGAINSTINTERESTREFERSTOTHESUPPLEMENTORPADOWEDTOTHEINSURANCEPREMIUM,LOANINTERESTRATES,ACCORDINGTOSUPPLEMENTORPADOWEDTOTHEINSURANCEPREMIUM,LOANAMOUNT,DURATIONANDINTERESTRATEACCORDINGTOTHEINTERESTMETHODTHROUGHCALCULATIONTHERATEOFINTERESTISANNOUNCEDANNUALLYBYOURCOMPANYAGAINSTAGAINSTCHARGESISTHESUMCOSTOFEACHPOLICYBEARANAVERAGEOPERATINGEXPENSES,COMMISSIONSANDTHECOMPANYOFTHEINSURANCEPOLICYHASASSUMEDTHELIABILITYINSURANCECHARGEAGAINSTAGAINSTMAJORDISEASESREFERSTOONEOFTHEFOLLOWINGDISEASESORSURGERYAGAINSTAGAINSTAHEARTDISEASEMYOCARDIALINFARCTION1AGAINSTAGAINSTTWO,CORONARYARTERYBYPASSSURGERY2AGAINSTAGAINSTTHREESTROKENOTE3AGAINSTAGAINSTFOUR,CHRONICRENALFAILUREUREMIA4FIVE,AGAINSTAGAINSTCANCERNOTE5AGAINSTAGAINSTSIX,PARALYSIS6AGAINSTAGAINSTSEVEN,MAJORORGANTRANSPLANTNOTE7AGAINSTAGAINSTEIGHT,SEVEREBURNNOTE8AGAINSTAGAINSTNINE,FULMINANTHEPATITIS9AGAINSTAGAINSTTEN,AORTICSURGERYNOTE10AGAINSTAGAINSTDISABLEDBODYHEIGHTREFERSTOTHEFOLLOWINGCI