招商信诺,智享睿健的条款.pdf

IMGB1401 享睿健 招商信诺智享睿健高端个人医疗保险条款阅读指引 The Reading Guide to Cigna CMB Mass Golden Medical Insurance Provision 本阅读指引帮助您理解条款，保险合同的内容以条款为准。 This guide intends to help you better understand the following policy provision, the policy provision should always be valid and binding. 您所拥有的重要权益 Highlight of Your Rights 1. 如果您方自签收本合同之日起10 天内要求解除本合同，我方将向投保人无息退还已交 付的保险费，本合同解除。对合同解除前发生的保险事故，我方不承担保险责任；签收 本合同之日起10 天后,您仍然有解除合同的权利，但可能会存在退保损失。 When you want to cancel this policy within 10 days since you receive and sign off this policy, we will refund the paid premium, this policy will be invalid from all the beginning. We won t be responsible for all claims related to this policy. After 10 days, you could terminate this policy, the refund will be less than the paid premium. 2. 被保险人可以享受本合同提供的保障。 Beneficiaries are covered by the benefits on the policy. 您应特别注意的事项 Matters for attention 1. 请您留意保险责任条款中的各保障利益内容，并根据您方的需求购买。 Please make sure you know all benefits, and decide your insurance coverage accordingly. 2. 请您留意保险金的给付条件和范围，以及预先授权、赔付比例、赔付限额等。 Please pay attention to the provisions about the coverage and conditions of cover, prior approvals, coinsurance and limits. 3. 请您留意各项责任的责任免除，尤其是已加下划线的免除或限制我方责任的条款。 Please pay attention to the provisions about exclusions, especially those having been underlined or the provisions of limiting our liabilities. 4. 请您留意合同中关于保险期间、等待期、应追讨款项及合同效力终止的条款。 Please pay attention to the provisions about period of cover, waiting period, claw back claims and policy termination. 5. 请您留意续保的条件，如果您方不愿意续保，请在保单周年日前通知我方。 Please pay attention to the renewal conditions. If you decide not to renew, please inform us prior to your policy anniversary. 6. 请您留意保险条款中术语的释义条款。 Please pay attention to the clause of Definitions. 条款目录 T