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Notice of the China Insurance Regulatory Commission on Several Issues concerning the Measures for the Administration of Insurance Clauses and Insurance Premium Rates of Personal Insurance Companies
(No. 2 [2012] of the China Insurance Regulatory Commission)
All personal insurance companies and local CIRC offices:
To regulate the administration of insurance clauses and insurance premium rates of personal insurance companies and facilitate the implementation of the Measures for the Administration of Insurance Clauses and Insurance Premium Rates of Personal Insurance Companies (Order No. 3 [2011] of the CIRC, hereinafter referred to as the “Measures”), you are hereby notified of the relevant issues as follows:
| | 中国保险监督管理委员会关于《人身保险公司保险条款和保险费率管理办法》若干问题的通知
（保监发〔2012〕2号）
各人身保险公司、各保监局：
为了规范人身保险公司保险条款和保险费率管理，配合《人身保险公司保险条款和保险费率管理办法》（保监会令〔2011〕3号，以下简称《办法》）的施行，现就有关事项通知如下：
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I. The insurance clauses and insurance premium rates of the following personal insurance products shall be submitted to the CIRC for approval:
| | 一、下列人身保险险种的保险条款和保险费率，应当报中国保监会审批，包括：
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1. life insurance products other than general, participating, universal, and investment-linked life insurance products;
| | （一）普通型、分红型、万能型、投资连结型以外的其他类型人寿保险；
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2. annuity insurance products other than general, participating, universal, and investment-linked annuity insurance products;
| | （二）普通型、分红型、万能型、投资连结型以外的其他类型年金保险；
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3. group participating life insurance products and group participating annuity insurance products which are not developed by reference to the Actuarial Provisions on Individual Participating Insurance enclosed in the Notice on Issuing the Actuarial Provisions on New-type Personal Insurance Products (No. 67 [2003] of the CIRC); and
| | （三）未能比照《关于印发人身保险新型产品精算规定的通知》（保监发〔2003〕67号）之《个人分红保险精算规定》开发的团体分红型人寿保险和团体分红型年金保险；
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4. other insurance products subject to approval as set forth by the CIRC.
Insurance clauses and insurance premium rates other than those as mentioned in the preceding paragraph shall be submitted to the CIRC for filing.
| | （四）中国保监会规定须经审批的其他保险险种。
前款规定以外的保险条款和保险费率，应当报中国保监会备案。
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II. The endowment insurance products developed by insurance companies shall meet the following conditions:
| | 二、保险公司开发的两全保险应符合以下条件：
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1. The first payment of survival benefit shall be made three years after the insurance policy takes effect.
| | （一）首次给付生存保险金应当在保单生效满3年之后；
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2. The insurance duration shall not be less than five years.
| | （二）保险期间不得少于5年；
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3. For investment-linked and universal endowment insurance products, if the insured is an adult, the death benefit at the time of issuance of an insurance policy may not be lower than 105% of the premium paid or 105% of the account value of the insurance policy; for other types of endowment insurance, if the insured is an adult, the death benefit at the time of issuance of an insurance policy may not be lower than 105% of the premium paid.
| | （三）投资连结型两全保险和万能型两全保险被保险人为成年人的，在保单签发时的死亡保险金额不得低于已交保险费的105％或保单账户价值的105％。其他类型两全保险被保险人为成年人的，在保单签发时的死亡保险金额不得低于已交保险费的105％。
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4. Death insurance shall cover, at a minimum, liability for death from disease and liability for accidental death.
．．．．．． | | （四）死亡保险至少应当提供疾病身故保障责任和意外身故保障责任。
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