中意鑫享年年养老年金保险（万能型）条款.pdf

中意人寿[2024]养老年金保险038号

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本阅读提示是为了帮助您更好理解条款，对本合同内容的解释以条款正文为准。

您拥有的重要权益

在犹豫期内您若要求解除合同，我们仅扣除工本费··················································1.5

被保险人可以享有本合同提供的保障利益······························································2.3

您有部分领取保单账户价值的权利·······································································6.1

您有权解除合同·································································································7

您应当特别注意的事项

在某些情况下，我们不承担保险责任················································1.5、2.4、3.2、9.1

您应及时向我们通知保险事故·············································································3.2

保险金的申请权应在一定期间内行使····································································3.6

解除合同会给您造成一定的损失，请您慎重决策·····················································7.1

在某些情况下，本合同效力终止··········································································8.1

您有如实告知的义务·························································································9.1

我们对一些重要术语进行了解释，请您注意····························································11

条款是保险合同的重要内容，为充分保障您的权益，请您仔细阅读本条款。

条款目录

1您与我们订立的合同3.5宣告死亡处理5.9部分领取和退保费用

1.1合同构成3.6诉讼时效6如何进行部分领取

1.2合同成立与生效4保险费的支付6.1部分领取

1.3投保年龄4.1保险费的支付7合同解除

1.4合同的签收4.2停止定期追加保险费7.1解除合同的手续及风险

1.5犹豫期4.3定期追加保险费的补交8合同效力的终止

2我们提供的保障4.4定期追加保险费数额变更8.1合同效力的终止

2.1保险期间5保单结算9如实告知

2.2养老年金开始领取日5.1保单账户9.1明确说明与如实告知

2.3保险责任5