招商信诺醇享人生个人高端医疗保险条款Final_二维码.PDFVIP

请扫描以查询验证条款 PNSR0221801 招商信诺[2018]医疗保险004 号 招商信诺醇享人生个人高端医疗保险条款阅读指引 The Reading Guide to Cigna CMB ONE Individual Private Medical Insurance Provision 本阅读指引帮助您方理解条款，若与条款冲突，以条款为准。 This guide intends to help you better understanding the following policy provision. In the case of any conflicts with the policy provision, the policy provision should always be valid and binding. ¸ 您方所拥有的重要权益 Highlight of Your Rights 在首次投保时，自您方签收本保险合同之日起15 天内为犹豫期，如果您方 犹豫期内要求解 除本保险合同且 此期间内未发生理赔或直付服务、也未进行过付款担保或预先批准，我方 将无息退还您方已支付的全部保险费，对于保险合同解除前发生的保险事故我方不承担保险 责任。签收本保险合同之日起15 天后，您方仍然有解除本保险合同的权利，但会存 一定的 退保损失。 At your first application, the period of fifteen (15) days after your receiving and signing for the certificate of insurance is called cooling-off period. If neither claims nor direct settlement have been made, as well as neither guarantees of payment nor prior approvals have been put in place, we will refund any premium which has been paid and without accrued interest. We will not pay for any claims occurred before the cancellation. You can terminate this policy after cooling-off period, but the termination refund will be less than paid premium. ¸ 您方应特别注意的事项 Matters for attention 1. 请您方留意保险责任条款中的各保障项目的内容，并根据您方的需求购买。 Please pay attention to the provisions about the benefits, and decide your insurance coverage accordingly. 2. 请您方留意关于保险金的给付条件和范围，以及免赔额、自负比例、 付次数限制和赔 付限额等。 Please pay attention to the provisions about the conditions and coverage of cover, as well as deductibles, copay, visit limitation, and limits etc. 3. 请您方留意责任免除条款，以及其他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. 4. 请您方留意保险合同中关于保险期间、预先批准及应追讨