{"id":41,"productType":37,"productCode":"PC0202338","plcType":4,"title":"鑫福来长期护理保险产品计划","intro":"","marketIntro":"","picUrl":"90d6ca651ae666157f4c3537e709b36b.png","picUrlStr":"http://img.kunlunhealth.com.cn/90d6ca651ae666157f4c3537e709b36b.png","pcPicUrl":"http://img.kunlunhealth.com.cn/86cf2f01f666145eb8c55866889c65cc.png","minPicUrl":"5b92b466f62a153d78d8a58395e752c5.png","minPicUrlStr":"http://img.kunlunhealth.com.cn/5b92b466f62a153d78d8a58395e752c5.png","pcIntroPic":"","pcIntroPic1":null,"pcIntroPic2":null,"pcIntroPic3":null,"pcDetail":"2efe0d6be3b2dc94ca0482b9999ea4e3.png","pcDetailStr":"http://img.kunlunhealth.com.cn/2efe0d6be3b2dc94ca0482b9999ea4e3.png","h5Detail":"d23d79872127aff6f1362d05f2cb4aee.png","h5DetailStr":"http://img.kunlunhealth.com.cn/d23d79872127aff6f1362d05f2cb4aee.png","insuranceCase":"6d6b7163596bb83b2a7aea8c64cfa53f.png","insuranceCaseDoc":null,"pcInsuranceCase":"http://img.kunlunhealth.com.cn/0818d8f8f789a07331181b5c00668af3.png","insuranceCaseStr":"http://img.kunlunhealth.com.cn/6d6b7163596bb83b2a7aea8c64cfa53f.png","insuranceFlow":"2b985ab289275bcd351407d31f4293c4.png","insuranceFlowStr":"http://img.kunlunhealth.com.cn/2b985ab289275bcd351407d31f4293c4.png","compPic":"","claimFlow":"","claimFlowStr":"http://img.kunlunhealth.com.cn/","notify":"<h4 class=\"red\">风险提示</h4>\r\n<p><b>犹豫期：</b>自签收保单之日起，您有15天的犹豫期，如犹豫期内退保，保险公司将退还您所缴全部保费。但超过犹豫期退保，可能会造成您的资金损失，请您重点关注。</p>\r\n<p><b>等待期：</b>这是一份健康保险产品，保险合同观察期的起算时间为被保险人经诊断确定丧失日常生活能力之日起连续180日的期间，保单生效日起180天内和180天后给付金额不同。</p>\r\n<p><b>医院：</b>指本公司指定医院或国家卫生管理部门医院等级分类中的二级或二级以上的医院，但不包括主要作为康复、护理、疗养、戒酒、戒毒或相类似的医疗机构。</p>\r\n<p><b>利率：</b>这是一份万能型保险产品，有最低保证利率为2.5%， 对应的日利率约为0.00677%，超过这部分的利益是不确定的，主要取决于保险公司的实际经营情况。</p>","notifyAtta":"http://img.kunlunhealth.com.cn/","healthNotify":"<p>\r\n\t请如实告知下列内容,如以下投保告知项目中有任意一项选择为“是”者,本投保申请将被提交人工核保。<br />\r\n1、 近五年内被保险人是否接受过手术治疗或住院治疗 (包括疗养院、康复医院等医疗机构)?<br />\r\n2、 被保险人是否曾经患有、正在患有、被怀疑患有以下一种或几种疾病?<br />\r\n恶性肿瘤、心肌梗塞、肿瘤、囊肿、赘生物、慢性肝炎、胰腺疾病、糖尿病、肾上腺疾病、脊髓病变;上述未提及的疾病或症状。<br />\r\n3、 被保险人有无身体残障,包括智能障碍,四肢、手指、足趾、脊柱、胸廓、五官的畸形、残缺或功能障碍;失明、聋哑、跛行或小儿麻痹后遗症;言语、咀嚼、听力、视力、嗅觉的功能障碍或中枢神经系统机能障碍等?<br />\r\n4、被保险人是否从事危险职业(详见注释栏)或在工作中接触危险物(放射性物质、化学物质、有毒物质等)?<br />\r\n5、 被保险人是否存在以下任一情形 (两周岁及以下儿童适用):<br />\r\n&nbsp;&nbsp;&nbsp;&nbsp;a.出生时体重大于4.3公斤或者小于2.3公斤？<br />\r\n&nbsp;&nbsp;&nbsp;&nbsp;b.存在早产、难产、过期产等情况?<br />\r\n&nbsp;&nbsp;&nbsp;&nbsp;c.患新生儿病理性黄疸、畸形、发育迟缓、惊厥、抽搐、脑瘫、智能障碍、先天及遗传性疾病?&nbsp;\r\n</p>\r\n<p>\r\n\t6、 被保险人是否己怀孕且超过28周 ? (成年女性适用)\r\n</p>\r\n<p>\r\n\t7、 被保险人是否曾经在投保人身保险或人身保险保单复效时被延期、拒保、加费或附加特别约定?\r\n</p>\r\n<p>\r\n\t注释:危险职业种类\r\n</p>\r\n<p>\r\n\t营业用摩托车、三轮车驾驶员、沿海养殖捕鱼作业人员、海上作业人员、航运业人员、航道航务施工工人、森林砍伐业工人、木材加工业工人、坑道内/井下作业工人、采砂 (石 )业工人、水泥业生产制造工人、陆上油矿开采业工人、土石方施工作业工人、铁路铺设工人、造修船业工人、高炉炉前工人、森林防火人员、矿工、硫酸/盐酸/硝酸制造工人、纯碱/烧碱等制造工人、石棉制品生产工人、救难船员、防毒防化防核抢险人员、高空作业人员、烟囱清洁工、潜水人员、爆破人员、火药爆竹制造及处理人员、战地记者、武打和特技演员、驯兽师、有关高压电之工作人员、特种兵、前线军人、防暴缉毒警察。\r\n</p>","questVersion":"09201911","notifyJob":"1,2,3,4","minAmount":10000,"maxAmount":0,"perAmount":1000,"minNum":10,"maxNum":99999,"buyNum":2853,"expectedRate":"5.50","currentRate":5.5,"clause":"<h4>《免除保险人责任确认书》</h4>\r\n<p class=\"fontWeight600\">尊敬的客户，您好！</p>\r\n<p>\r\n感谢您选择昆仑健康保险股份有限公司(以下简称“本公司”)的《鑫福来长期护理保险（万能型）》产品，这是对本公司的充分信任和支持。本产品由主险《鑫福来长期护理保险（万能型）》及其附件险《聚宝盆长期意外伤害保险》组合而成。为了让您更充分的了解条款内容，保障您的合法权益，本公司在产品条款中已对免除保险责任的内容通过加黑以及标注灰色底纹的方式做了突出显示，请您仔细查阅，并请您重点关注各产品条款相关免责内容，具体内容如下：\r\n</p>\r\n<p class=\"docContent_title\">鑫福来长期护理保险（万能型）</p>\r\n<p><b>\r\n第八条 责任免除：\r\n</b></p>\r\n<p class=\"textIndent2\">因下述一种或多种情形导致被保险人身故或丧失日常生活能力的，本公司不承担给付保险金的责任：</b></p>\r\n<p class=\"textIndent2\">(一) 投保人对被保险人的故意杀害、故意伤害；</b></p>\r\n<p class=\"textIndent2\">(二) 被保险人故意犯罪或者抗拒依法采取的刑事强制措施；</b></p>\r\n<p class=\"textIndent2\">(三) 被保险人自本合同生效日或最后复效日（以较迟者为准）起2 年内自杀，但被保险人自杀时为无民事行为能力人的除外；</b></p>\r\n<p class=\"textIndent2\">(四) 被保险人醉酒，斗殴，故意自伤，服用、吸食或注射毒品；</b></p>\r\n<p class=\"textIndent2\">(五) 被保险人酒后驾驶，无合法有效驾驶证驾驶，或驾驶无有效行驶证的机动车；</b></p>\r\n<p class=\"textIndent2\">(六) 被保险人患先天性疾病、先天性畸形、遗传性疾病；</b></p>\r\n<p class=\"textIndent2\">(七) 不孕不育治疗、人工受精、怀孕、分娩（含难产）、流产、堕胎、节育（含绝育）、产前产后检查以及上述原因引起的并发症；</b></p>\r\n<p class=\"textIndent2\">(八) 被保险人药物过敏、发生医疗事故或因非意外事故所致的整容；</b></p>\r\n<p class=\"textIndent2\">(九) 被保险人未遵医嘱，私自服用、涂用、注射药物；</b></p>\r\n<p class=\"textIndent2\">(十) 被保险人从事高风险运动，包括但不限于潜水、跳伞、攀岩、探险、蹦极、飞行、驾驶滑翔机或滑翔伞、武术比赛、摔跤、特技表演、赛马、赛车等；</b></p>\r\n<p class=\"textIndent2\">(十一) 战争、军事冲突、暴乱或武装叛乱；</b></p>\r\n<p class=\"textIndent2\">(十二) 核爆炸、核辐射或核污染。</b></p>\r\n<p class=\"textIndent2\">被保险人因上述第（一）项情形身故或丧失日常生活能力的，本公司向其他权利人退还被保险人身故或丧失日常生活能力之日本合同的现金价值，本合同终止；被保险人因上述其他情形身故或丧失日常生活能力的，本公司向投保人退还被保险人身故或丧失日常生活能力之日本合同的现金价值，本合同终止。\r\n</b></p>\r\n\r\n<p class=\"docContent_title\">附加聚宝盆长期意外伤害保险</p>\r\n<p><b>\r\n第八条 责任免除\r\n</b></p>\r\n<p class=\"textIndent2\">因下述一种或多种情形导致被保险人发生意外伤害的，本公司不承担给付保险金的责任：</b></p> \r\n<p class=\"textIndent2\">(一)投保人对被保险人的故意杀害、故意伤害；</b></p>\r\n<p class=\"textIndent2\">(二)被保险人故意犯罪或者抗拒依法采取的刑事强制措施；</b></p>\r\n<p class=\"textIndent2\">(三)被保险人自本附加险合同生效日或最后复效日（以较迟者为准）起2 年内自杀，但被保险人自杀时为无民事行为能力人的除外；</b></p> \r\n<p class=\"textIndent2\">(四)被保险人猝死；</b></p> \r\n<p class=\"textIndent2\">(五)被保险人醉酒，斗殴，故意自伤，服用、吸食或注射毒品；</b></p>\r\n<p class=\"textIndent2\">(六)被保险人酒后驾驶，无合法有效驾驶证驾驶，或驾驶无有效行驶证的机动车；</b></p>\r\n<p class=\"textIndent2\">(七)被保险人整容、药物过敏或发生医疗事故；</b></p>\r\n<p class=\"textIndent2\">(八)被保险人未遵医嘱，私自服用、涂用、注射药物；</b></p>\r\n<p class=\"textIndent2\">(九)被保险人从事高风险运动，包括但不限于潜水、跳伞、攀岩、探险、蹦极、驾驶滑翔机、武术比赛、摔跤、特技表演、赛马、赛车等；</b></p>\r\n<p class=\"textIndent2\">(十)被保险人违反承运人关于安全乘坐的规定；</b></p>\r\n<p class=\"textIndent2\">(十一) 被保险人处于车辆、轮船、飞机中专门用于放置物品的部分所遭受的伤害；</b></p>\r\n<p class=\"textIndent2\">(十二) 战争、军事冲突、暴乱或武装叛乱；</b></p> \r\n<p class=\"textIndent2\">(十三) 核爆炸、核辐射或核污染。</b></p> \r\n<p class=\"textIndent2\">被保险人因上述第（一）项情形身故的，本附加险合同与主险合同均终止，本公司向其他权利人退还被保险人身故之日主险合同的现金价值。被保险人因上述除第（一）项之外的其他情形身故的，本附加险合同与主险合同均终止，本公司向投保人退还被保险人身故之日主险合同的现金价值。\r\n因本条约定情形发生而导致本附加险合同终止，本公司退还的现金价值与主险合同第八条约定情形发生而退还的现金价值，二者不可兼得。\r\n</b></p>","clauseAtta":"http://img.kunlunhealth.com.cn/","payChannel":"bank","payType":"0","ageRange":"18-65岁","benefitLaw":[{"id":0,"value":"法定受益人"}],"payPeriod":null,"payPeriodUnit":"","isSplit":0,"insurantLimit":1,"status":1,"docNo":"昆仑健康[2018]\r\n护理保险 018 号及昆仑健康 [2017] 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