未成年人投保身故责任规则更新通知

根据中国保监会稽查最新 134 号文，应法律合规要求严格把控未成年人的投保限制，现对未成年

人投保包含身故责任的规则做如下更新：

1. 对于未满 8 周岁（含 8 周岁）的完全无行为能力人，不予投保身故责任（即 H305 险种）（此条适

用于新保未成年人和重新投保的未成年人）；

2. 对于其他未成年人，投保身故责任的（即 H305 险种），必须有由其父母出具的授权同意书（详见

以下模板）且不得违反监管规定的保险金限额。

注意事项： H305 险种包含意外身故/意外伤残。针对重新投保和新保符合上述投保规则的未成年

人，该授权委托书是 2019 年度新保单予以承保所必需的投保材料之一；对于中途加入符合上述投

保规则的未成年人，请在加保申请时一并提交。

Notification updates---Rules of death insurance for minors

According to the latest document no. 134 released by China Insurance Regulatory Commission,

in respect of death insurance for minors shall be strictly controlled as required by laws, now rules of

death insurance for minors have been updated as following:

Minors under and equal to 8 years old, who are not entitled to be insured under death insurance

(so called H305) (This is applied to both new enrolled and renewed minors).

Minors above 8 years old, who are entitled to be insured under death insurance (so called H305)

only in the case of having formal approval material (see below template) signed by their parents

as a notice confirmation.

Notice: H305 includes accidental death/accidental disabilities. For renewed and new enroll

eligible minors, formal authorization is one of indispensable part of insurance paperwork; for eligible

minors add during policy year, formal authorization shall be submitted along with other enroll

paperwork together.

39 / 42

平安健康保险股份有限公司 Ping An Health Insurance Co., Ltd.