conditions: the main cardholder of Guangfa Zhenqing Card who applies to the bank for opening Guangfa Zhenqing Card and gets this insurance or exchanges the consumption points of Zhenqing Card for this insurance, or whose consumption is confirmed by the bank to meet the renewal conditions stipulated by the bank, and has reached the age of 16 to 65.

Major diseases refer to one of the following 3 diseases: malignant tumor, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting (or coronary artery bypass grafting), end-stage renal disease (or uremia stage of chronic renal failure), multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, decompensated chronic liver failure, sequelae of encephalitis sequela or meningitis, deep coma, Deafness in both ears, blindness, paralysis, heart valve surgery, severe Alzheimer's disease, severe brain injury, severe Parkinson's disease, severe third-degree burn, severe primary pulmonary hypertension, severe motor neuron disease, loss of language ability, severe aplastic anemia, aortic surgery, craniotomy for cerebral aneurysm, severe multiple sclerosis, severe systemic lupus erythematosus nephropathy, severe myasthenia gravis, and end-stage lung disease. The effective date of the insurance is from June 1, 28 to June 3, 29. The major diseases refer to one of the following 21 diseases: terminal lung disease, myocardial infarction, chronic renal failure, vegetative state, aplastic anemia, malignant tumor, transplantation of important organs, paralysis, stroke, coronary artery bypass grafting, severe burns, fulminant hepatitis, aortic surgery, heart valve replacement, multiple sclerosis and blindness.