![](data:image/png;base64,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)
4.1 保险费的支付 本合同的保险费为每份年交人民币 1,000 元或每份月交人民币 100 元,采用
趸交(即一次性支付)、限期年交(即在约定的交费期间内每年支付一次保险
费)或限期月交(即在约定的交费期间内每月支付一次保险费)的方式支付,
限期年交或限期月交方式下的交费期间有 3 年、5 年、10 年和 20 年四种。
交费方式和交费期间一旦确定,不得变更。
本合同保险费的交费方式和交费期间由您与我们约定并在保险单上载明。分
期支付保险费的,在支付首期保险费后,您应当在每个保险费约定支付日支
付当期应交保险费。
4.2 宽限期 除另有约定外,分期支付保险费的,您支付首期保险费后,如果您到期未支
付保险费,自保险费约定支付日次日零时起 60 日为宽限期。宽限期内发生
的保险事故,我们仍会承担保险责任,但在给付保险金时会扣减您欠交的保
险费。
除另有约定外,如果您宽限期结束之时仍未支付保险费且未选择保险费自动
垫交,则本合同自宽限期满的次日零时起效力中止。
5. 现金价值权益
5.1 现金价值 指保险单所具有的价值,通常体现为解除合同时,根据精算原理计算的、由
我们退还的那部分金额。保单年度末的现金价值会在保险合同上载明,保单
年度内的现金价值,您可以向我们咨询。
5.2 保单贷款 在本合同有效期内,经我们审核同意后您可在犹豫期后办理保单贷款。对于
以身故为保险金给付条件的保险单,您申请保单贷款必须取得被保险人的书
面同意。贷款金额不得超过本合同的现金价值扣除各项欠款后余额的 80%,
每次贷款期限最长不超过 6 个月,贷款金额、贷款期限及贷款利率按您与我
们签订的贷款协议中的约定执行。
除另有约定外,逾期未还,自贷款本金及利息加上其他各项欠款达到本合同
现金价值的当日 24 时起,本合同效力终止。
5.3 保险费自动垫
交
投保时明确选择保险费垫交方式的,分期支付的保险费在超过宽限期仍未支
付时,若本合同的现金价值扣除各项欠款后的余额足以垫交当期应支付的保
险费及利息,我们将以本合同现金价值的余额垫交当期应支付的保险费及利
息,本合同继续有效;若此时本合同的现金价值扣除各项欠款后的余额不足
以垫交当期应支付的保险费及利息,我们将折算可垫交天数,本合同在可垫
交天数内继续有效;当已垫交的保险费及其利息与各项欠款之和达到本合同
的现金价值时,本合同效力中止。在保险费垫交期间,如发生合同解除、基
本保险金额减少或保险金给付,我们在给付本合同现金价值或保险金时将扣
除垫交的保险费及利息。前述垫交保险费的利息按我们官方网站公布的利率
计算。
6. 合同效力的中止及恢复
6.1 效力中止与恢
复
在本合同效力中止期间,我们不承担保险责任。
您可以申请恢复合同效力,经您与我们协商并达成协议,自您补交保险费及
相应利息的次日零时起,合同效力恢复。前述补交保险费的利息按我们官方
网站公布的利率计算。