(1) Initial insurance or reinsurance 60 days after the expiration of the last insurance period: if the number of days after insurance is less than or equal to 30 days, cash value = premium paid × (1-35%);

If the number of insurance days exceeds 30 days, the cash value = premium paid × (1-35% )× [1- (number of insurance days -30)/ (number of days from the effective date of this contract to the date of premium payment -30)], and if the number of insurance days is less than 1 day, it shall be/kloc-.

(2) Reinsurance within 60 days after the expiration of the previous insurance period:

Cash value = premium paid × (1-35% )× (insurance passed from the effective date of this contract to the premium payment date 1 day/day). If the number of elapsed days is less than 1 day, it will be calculated as 1 day.

Personal Safety and critical illness insurance Clause (Version 20 17):

The calculation of cash value is divided into two situations:

(1) 60 days after the first insurance or the expiration of the previous insurance period;

If the number of insured days is less than or equal to 90 days, cash value = insurance premium × (1-35%);

If the insurance days exceed 90 days, the cash value = insurance premium × (1-35% )× [1- (insurance days -90)/ (insurance days-90)]; If the number of insurance days is less than 1 day, it will be calculated as 1 day.

(2) Reinsurance within 60 days after the expiration of the previous insurance period:

Cash value = insurance premium ×( 1-35%)×( 1- insurance days/insurance period days). If the number of insurance days is less than 1 day, it shall be calculated as 1 day.

Personal Ping An Comprehensive (20 18) Accident Insurance Clause

Cash value = net insurance premium ×( 1- insurance days/insurance period days). If the number of insurance days is less than 1 day, it shall be calculated as 1 day.

The net insurance premium refers to the insurance premium after deducting the company's operating expenses, commissions and other expenses. The calculation formula is "insurance premium ×( 1-35%)".

I. Ping An Kangbao Vehicle Accident Insurance Clause

Cash value = insurance premium ×( 1-9%)×( 1- insurance days/insurance period days). If the number of insurance days is less than 1 day, it shall be calculated as 1 day.