![](data:image/png;base64,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)
3
身体高度残疾的,我们按照本附加合同的基本保险金额给付“身故保险金”
或“身体高度残疾保险金”,本附加合同终止。
被保险人于等待期后身故或身体高度残疾,且主合同被保险人已身故或已发
生身体高度残疾的,我们按照本附加合同的基本保险金额的 5 倍给付“身故
保险金”或“身体高度残疾保险金”,本附加合同终止。
主合同被保险人于主合同等待期后身故或身体高度残疾,我们自主合同被保
险人身故或身体高度残疾之日起,豁免保险单上载明的本附加合同剩余的各
期保险费,本附加合同继续有效。
若被保险人及主合同被保险人因同一事件导致身故或身体高度残疾,且不能
确定身故或身体高度残疾先后顺序的,推定主合同被保险人身故或身体高度
残疾在先。
本附加合同的“身故保险金”和“身体高度残疾保险金”,我们仅给付一项。
在本附加合同保险期间内,因下列情形之一导致被保险人发生本附加合同所
指的身故或身体高度残疾的,我们不承担给付保险金的责任:
(1)投保人对被保险人的故意杀害、故意伤害;
(2)被保险人故意自伤、故意犯罪或者抗拒依法采取的刑事强制措施,酒
后驾驶(见 10.10)、 无合法有效驾驶证驾驶(见 10.11),或驾驶无有效行
驶证(见 10.12)的机动车(见 10.13);
(3)被保险人在本附加合同成立或合同效力最后恢复之日起二年内自杀,
但被保险人自杀时为无民事行为能力人的除外。
发生上述第(1)项情形导致被保险人身故的,我们向被保险人的继承人退
还本附加合同的现金价值,本附加合同终止。
发生上述第(1)项情形导致被保险人身体高度残疾的,我们向被保险人退
还本附加合同的现金价值,本附加合同终止。
发生上述情形(2)-(3)导致被保险人身故或身体高度残疾的,我们向您
退还本附加合同的现金价值,本附加合同终止。
除“2.4 责任免除”外,本附加合同中还有一些免除保险人责任的条款,详
见“1.4 犹豫期”、“2.3 保险责任”、“3.2 保险事故通知”、“6.1 效力中止”、
“8.1 明确说明与如实告知”、“9.1 年龄错误”及“10 释义”中背景突出
显示的内容。
您或者被保险人可以指定一人或多人为身故保险金受益人。
身故保险金受益人为多人时,您或者被保险人可以确定受益顺序和受益份
额;如果没有确定份额,各身故保险金受益人按照相等份额享有受益权。
被保险人为无民事行为能力人或限制民事行为能力人的,可以由其监护人指