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金融教育宣傳丨保險(xiǎn)知識(shí)一點(diǎn)通

Financial Knowledge Publicity: Insurance Essentials

【繳費(fèi)期VS中止期VS終止期】您都清楚嗎？

II.?[Premium Payment Period VS Suspension Period VS Termination Period]: Do You Understand the Differences?

您的保單就像一份重要的契約，需要定期履行繳費(fèi)義務(wù)才能保持有效。如果不按時(shí)繳費(fèi)，會(huì)發(fā)生什么呢？

Your insurance policy functions as a ?legally binding contract?, requiring you to ?fulfill the premium payment?obligation?regularly? to maintain its validity. ?What happens if you miss a payment?

相關(guān)定義 ?

Relevant Definitions ?

繳費(fèi)期：是指投保人按照保險(xiǎn)合同約定定期向保險(xiǎn)公司繳納保費(fèi)的時(shí)間段。 ?

Premium Payment Period?:?The timeframe during which the policyholder regularly ?pays premium? to the insurance company as stipulated in the insurance contract. ?

中止期：當(dāng)保單已經(jīng)過了寬限期，投保人仍未交納保費(fèi)，保單就會(huì)進(jìn)入中止期。中止期內(nèi)出險(xiǎn)，保險(xiǎn)公司不承擔(dān)保險(xiǎn)責(zé)任。在中止期內(nèi)，如果您想要重新獲得這份保障，可以在補(bǔ)交保費(fèi)、復(fù)效利息后，申請恢復(fù)合同效力。不過在中止期申請恢復(fù)合同效力，要重新進(jìn)行健康告知，等待期也要從復(fù)效之日起重新計(jì)算。

Suspension Period?:?If the premium remains?unpaid after the ?grace period?, the policy enters a?suspension period. ?No coverage is provided? for claims during this period. To reinstate the policy, the policyholder?may make an application after?paying?the?overdue premium?and the?interest?.?New health underwriting??is required, and the ?waiting period? restarts from the reinstatement date?.

終止期：是指超過中止期仍未繳納保費(fèi)或者滿足保險(xiǎn)合同約定的終止條件時(shí)，保險(xiǎn)合同效力終止，保險(xiǎn)公司停止承擔(dān)保險(xiǎn)責(zé)任。

Termination Period?:?The insurance contract becomes??permanently invalid? if the premium remains?unpaid beyond the suspension?period or if termination conditions stipulated in the contract are met, and the insurance company ceases to assume insurance liability.

實(shí)際案例 ?

Actual Case ?

趙先生由于疏忽錯(cuò)過了自己人壽保險(xiǎn)單的繳費(fèi)日期，但幸運(yùn)的是他在寬限期內(nèi)完成了保費(fèi)繳納，使他的保單得以繼續(xù)有效，避免了因保單失效帶來的保障缺失風(fēng)險(xiǎn)。

Mr. Zhao missed the premium payment deadline for his life insurance policy due to oversight. Fortunately, he completed the payment ?within the grace period?, ensuring that his policy remains valid?and avoiding the risk of losing coverage due to invalidation.

保險(xiǎn)小貼士

Insurance Tips

及時(shí)關(guān)注您的保單繳費(fèi)期和繳費(fèi)時(shí)間，避免因未及時(shí)繳納保費(fèi)而產(chǎn)生保單失效的風(fēng)險(xiǎn)。

You should stay informed about your policy’s ?premium payment schedule? and ?deadlines? to avoid the risk of termination?due to missed payment.