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自我们收到解除合同申请书时起,本合同终止。我们自收到解除合同申请书之
日起 30 日内向您退还本合同的现金价值。
订立本合同时,我们应向您说明本合同的内容。
对保险条款中免除我们责任的条款,我们在订立合同时应当在投保单、保险单
或者其他保险凭证上作出足以引起您注意的提示,并对该条款的内容以书面或
者口头形式向您作出明确说明,未作提示或者明确说明的,该条款不产生效力。
我们就您和被保险人的有关情况提出询问,您应当如实告知。
如果您故意或者因重大过失未履行前款规定的如实告知义务,足以影响我们决
定是否同意承保或者提高保险费率的,我们有权解除本合同。
如果您故意不履行如实告知义务,对于本合同解除前发生的保险事故,我们不
承担给付保险金的责任,并不退还保险费。
如果您因重大过失未履行如实告知义务,对保险事故的发生有严重影响的,对
于本合同解除前发生的保险事故,我们不承担给付保险金的责任,但应当退还
保险费。
我们在合同订立时已经知道您未如实告知的情况的,我们不得解除合同;发生
保险事故的,我们承担给付保险金的责任。
本保险条款“明确说明与如实告知”规定的合同解除权,自我们知道有解除事
由之日起,超过 30 日不行使而消灭。自本合同成立之日起超过 2年的,我们
不得解除合同;发生保险事故的,我们承担给付保险金的责任。
您在申请投保时,应将与有效身份证件相符的被保险人的出生日期和性别在投
保单上填明,如果发生错误按照下列方式办理:
(1)您申报的被保险人年龄不真实,并且其真实年龄不符合本合同约定投保年
龄限制的,在保险事故发生之前我们有权解除合同,并向您退还保险单的现金
价值。我们行使合同解除权适用本保险条款“我们合同解除权的限制”的规定。
(2)您申报的被保险人年龄或性别不真实,致使您实付保险费少于应付保险费
的,我们有权作相应的更正并要求您补交保险费差额。若已经发生保险事故,
在给付保险金时按实付保险费和应付保险费的比例给付。
(3)您申报的被保险人年龄或性别不真实,致使您实付保险费多于应付保险费
的,我们会将多收的保险费退还给您。
我们在给付各项保险金、退还现金价值或退还保险费时,如果您有欠交的保险
费、保单贷款、其他未还款项及相应的利息,我们会在扣除上述欠款后给付。
在本合同有效期内,经您与我们协商一致,可以变更本合同的有关内容。变更
本合同的,应当由我们在保险单上批注或者附贴批单,或者由您与我们订立书
面的变更协议。
为了保障您的合法权益,您的住所、通讯地址或电话等联系方式变更时,请及
时以书面形式或双方认可的其他形式通知我们。若您未以书面形式或双方认可
的其他形式通知我们,我们按本合同载明的最后住所、通讯地址或电话等联系
方式发送的有关通知,均视为已送达给您。