내Mom같은 어린이보험 약관 보기 #메리츠화재

아이의 암보험 100세 만기, 30년납으로 가입중...

진단비 위주로 가입했고, 수술비 등은 가입에서 제외함

메리츠화재

약관 보기

무배당 내Mom같은 어린이보험 1910 약관.pdf

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목 차
가입자 유의사항 ·········································································· 47
주요내용 요약서 ·········································································· 55
보험용어 해설 ·············································································· 61
[1형(표준형), 3형(해지환급금미지급형), 4형(해지환급금미지급형Ⅱ),
5형(해지환급금미지급형Ⅲ)]
무배당 내Mom같은 어린이보험1910 보통약관
제1관 목적 및 용어의 정의 ························································· 65
제1조(목적) ····································································································· 65
제2조(용어의 정의) ······················································································· 65
제2관 보험금의 지급 ···································································· 67
제3조(보험금의 지급사유) ············································································ 67
제4조(보험금 지급에 관한 세부규정) ························································· 67
제5조(보험금을 지급하지 않는 사유) ························································· 68
제6조(보험금 지급사유의 통지) ·································································· 69
제7조(보험금 등의 청구) ·············································································· 69
제8조(보험금의 지급절차) ············································································ 70
제9조(적립부분 적립이율에 관한 사항) ······················································· 71
제10조(만기환급금의 지급) ·········································································· 72
제10조의1(태아보장기간 적립환급금의 지급) ··········································· 72
제11조(보험금 받는 방법의 변경) ································································ 73
제12조(주소변경통지) ··················································································· 73
제13조(보험수익자의 지정) ·········································································· 73
제14조(대표자의 지정) ················································································· 74
제3관 계약자의 계약 전 알릴 의무 등 ······································ 74
제15조(계약 전 알릴 의무) ·········································································· 74
제16조(상해보험계약 후 알릴 의무) ··························································· 75
제17조(알릴 의무 위반의 효과) ·································································· 76
제18조(사기에 의한 계약) ············································································ 78
제4관 보험계약의 성립과 유지 ··················································· 78
제19조(보험계약의 성립) ·············································································· 78
제20조(청약의 철회) ····················································································· 79
제21조(약관교부 및 설명의무 등) ································································ 80
제22조(계약의 무효) ····················································································· 81
제23조(계약내용의 변경 등) ········································································ 82
제24조(보험나이 등) ····················································································· 83
제25조(계약의 소멸) ····················································································· 84

제5관 보험료의 납입 ···································································· 84
제26조(제1회 보험료 및 회사의 보장개시) ················································· 84
제27조(제2회 이후 보험료의 납입) ···························································· 85
제27조의1(보험료의 납입면제) ······································································ 85
제27조의2(납입면제에 관한 세부규정) ······················································ 89
제27조의3(암(유사암제외), 유사암, 뇌혈관질환, 허혈성심장질환의 정의
및 진단확정) ················································································· 90
제28조(보험료의 자동대출납입) ·································································· 92
제29조(보험료의 납입이 연체되는 경우 납입최고(독촉)와 계약의 해지) 93
제30조(보험료의 납입을 연체하여 해지된 계약의 부활 (효력회복)) ····· 94
제31조(강제집행 등으로 인하여 해지된 계약의 특별부활(효력회복)) ··· 94
제6관 계약의 해지 및 해지환급금 등 ········································ 95
제32조(계약자의 임의해지 및 피보험자의 서면동의 철회) ····················· 95
제33조(중대사유로 인한 해지) ···································································· 96
제34조(회사의 파산선고와 해지) ································································ 96
제35조(해지환급금) ······················································································· 96
제36조(보험계약대출) ··················································································· 98
제37조(배당금의 지급) ················································································· 99
제38조(중도인출) ··························································································· 99
제39조(적립부분 해지환급금 전액 인출에 관한 사항) ·························· 100
제7관 분쟁의 조정 등 ································································ 100
제40조(분쟁의 조정) ··················································································· 100
제41조(관할법원) ························································································· 100
제42조(소멸시효) ························································································· 100
제43조(약관의 해석) ··················································································· 101
제44조(회사가 제작한 보험안내자료 등의 효력) ···································· 101
제45조(법령 등의 개정에 따른 계약내용의 변경) ···································· 101
제46조(회사의 손해배상책임) ···································································· 102
제47조(개인정보보호) ················································································· 102
제48조(준거법) ···························································································· 102
제49조(예금보험에 의한 지급보장) ·························································· 102
[1형(표준형), 3형(해지환급금미지급형), 4형(해지환급금미지급형Ⅱ),
5형(해지환급금미지급형Ⅲ)]
무배당 내Mom같은 어린이보험1910 특별약관
제1장 자녀보장관련 특별약관 ··················································· 107
1. 상해관련 특별약관 ································································· 107
1-1. 일반상해 사망보장 특별약관 ······································ 107
1-2. 일반상해 사망 추가보장 특별약관 ····························· 107
1-3. 갱신형 일반상해 사망보장 특별약관 ························· 107

1-4. 일반상해고도후유장해보장 특별약관 ························· 109
1-5. 일반상해후유장해(3~100%)보장 특별약관 ·············· 111
1-6. 일반상해후유장해(20~100%)보장 특별약관 ············ 113
1-7. 팔 및 손가락 후유장해보장 특별약관 ······················· 116
1-8. 대중교통이용중 교통상해 사망보장 특별약관 ·········· 119
1-9. 대중교통이용중 교통상해 후유장해(3~100%)보장
특별약관 ········································································ 122
1-10. 자가용운전자용 교통상해 사망보장 특별약관 ······· 125
1-11. 비운전자용 교통상해 사망보장 특별약관 ··············· 128
1-12. 자가용운전자용 교통상해후유장해보장(3~100%)
특별약관 ······································································ 131
1-13. 비운전자용 교통상해후유장해(3~100%)보장
특별약관 ······································································ 135
1-14. 특정여가활동중상해 사망보장 특별약관 ················· 138
1-15. 특정여가활동중상해후유장해(3~100%)보장 특별약관 140
1-16. 자전거탑승중상해 사망보장 특별약관 ····················· 143
1-17. 자전거탑승중상해 후유장해(3~100%)보장 특별약관 · 145
1-18. 일반상해 80%이상 후유장해 재활자금보장 특별약관 148
1-19. 일반상해 50%이상후유장해 재활자금보장 특별약관 151
1-20. 자가용운전자용 교통상해 50%이상 후유장해
재활자금보장 특별약관 ············································· 154
1-21. 비운전자용 교통상해 50%이상 후유장해
재활자금보장 특별약관 ············································· 158
1-22. 자전거탑승중상해 50%이상후유장해 재활자금보장
특별약관 ······································································ 162
1-23. 일반상해입원일당(1일이상)보장 특별약관 ·············· 165
1-24. 일반상해입원일당(1일이상)추가보장 특별약관 ······ 165
1-25. 갱신형 일반상해입원일당(1일이상)보장 특별약관 165
1-26. 일반상해입원일당(4일이상)보장 특별약관 ·············· 167
1-27. 일반상해중환자실 입원일당(1일이상)보장 특별약관 169
1-28. 갱신형 일반상해중환자실 입원일당(1일이상)보장
특별약관 ······································································ 169
1-29. 갱신형 간병인지원 일반상해입원일당(1일이상)보장
특별약관 ······································································ 172
1-29-1. 갱신형 일반상해입원일당(1일이상, 전환용)보장
특별약관 ································································· 176
1-30. 골절(치아파절 제외)진단비보장 특별약관 ·············· 178

1-31. 갱신형 골절(치아파절 제외)진단비보장 특별약관 · 178
1-32. 골절진단비보장 특별약관 ·········································· 180
1-33. 갱신형 골절진단비보장 특별약관 ···························· 180
1-34. 화상진단비보장 특별약관 ·········································· 182
1-35. 골절수술비보장 특별약관 ·········································· 184
1-36. 화상수술비보장 특별약관 ·········································· 186
1-37. 5대골절진단비보장 특별약관 ···································· 188
1-38. 5대골절수술비보장 특별약관 ···································· 189
1-39. 자가용운전자용 교통상해 골절진단비보장 특별약관 · 191
1-40. 비운전자용 교통상해 골절진단비보장 특별약관 ···· 193
1-41. 자가용운전자용 교통상해 골절수술비보장 특별약관 ·· 195
1-42. 비운전자용 교통상해 골절수술비보장 특별약관 ···· 198
1-43. 상해수술비보장 특별약관 ·········································· 201
1-44. 상해수술비추가보장 특별약관 ·································· 201
1-45. 갱신형 상해수술비보장 특별약관 ···························· 201
1-46. 상해흉터복원수술비보장 특별약관 ·························· 204
1-47. 중대한특정상해수술비보장 특별약관 ······················· 207
1-48. 중증화상및부식진단비보장 특별약관 ······················· 210
1-49. 스쿨존내 어린이 교통사고치료비보장 특별약관 ···· 212
1-50. 안전사고피해치료비보장 특별약관(폭력치료비,
유괴인신매매피해치료비) ·········································· 215
1-51. 자가용운전자용 자동차사고부상치료비보장 특별약관 · 218
1-52. 비운전자용 자동차사고부상치료비보장 특별약관 ·· 221
1-53. 자가용운전자용 자동차사고부상치료비(1~3급)보장
특별약관 ······································································ 224
1-54. 비운전자용 자동차사고부상치료비(1~3급)보장
특별약관 ······································································ 227
1-55. 일반상해입원일당(수술입원 추가)보장 특별약관 ··· 230
1-56. 심한상해수술비보장 특별약관 ·································· 235
1-57. 종합병원 일반상해입원일당(1일이상)보장 특별약관 ·· 237
1-58. 상해수술비(4일이상 입원수술)보장 특별약관 ······ 240
1-59. 신골절치료비보장 특별약관 ······································ 244
1-60. 갱신형 신골절치료비보장 특별약관 ························ 244
1-61. 상급종합병원 일반상해입원일당(1일이상)보장
특별약관 ······································································ 247
1-62. 일반상해입원일당(1일이상 30일한도)보장 특별약관 ·· 251

2. 질병관련 특별약관 ································································· 253
2-1. 질병 50%이상후유장해 재활자금보장 특별약관 ······ 253
2-2. 종합병원 질병입원일당(1일이상)보장 특별약관 ······ 256
2-3. 암진단비(유사암제외)(감액없음)보장 특별약관 ········ 260
2-4. 암진단비(유사암제외)(감액없음)추가보장 특별약관 260
2-5. 갱신형 암진단비(유사암제외)(감액없음)보장 특별약관 · 260
2-6. 암진단비(유사암제외)(감액없음)(예약)보장 특별약관 · 262
2-7. 유사암진단비(감액없음)보장 특별약관 ······················ 264
2-8. 유사암진단비(감액없음)추가보장 특별약관 ·············· 264
2-9. 갱신형 유사암진단비(감액없음)보장 특별약관 ········· 264
2-10. 유사암진단비(감액없음)(예약)보장 특별약관 ········· 267
2-11. 5대고액치료비암진단비(감액없음)보장 특별약관 ·· 270
2-12. 암수술비(유사암제외)(감액없음)보장 특별약관 ····· 272
2-13. 갱신형 암수술비(유사암제외)(감액없음)보장 특별약관·· 272
2-14. 유사암수술비(감액없음)보장 특별약관 ···················· 275
2-15. 갱신형 유사암수술비(감액없음)보장 특별약관 ······ 275
2-16. 암직접치료입원일당(Ⅱ)(요양병원제외, 1일이상)
보장 특별약관 ····························································· 278
2-17. 갱신형 암직접치료입원일당(Ⅱ)(요양병원제외,
1일이상)보장 특별약관 ·············································· 278
2-18. 암요양병원입원일당(Ⅱ)(1일이상 90일한도)보장
특별약관 ······································································ 283
2-19. 갱신형 암요양병원입원일당(Ⅱ)(1일이상 90일한도)
보장 특별약관 ····························································· 283
2-20. 암요양병원입원일당(Ⅱ)(1일이상 60일한도)보장
특별약관 ······································································ 287
2-21. 갱신형 암요양병원입원일당(Ⅱ)(1일이상 60일한도)
보장 특별약관 ····························································· 287
2-22. 항암방사선약물치료비(감액없음)보장 특별약관 ····· 291
2-23. 갱신형 항암방사선약물치료비(감액없음)보장 특별약관 291
2-24. 뇌졸중진단비(감액없음)보장 특별약관 ···················· 294
2-25. 뇌졸중진단비(감액없음)추가보장 특별약관 ············ 294
2-26. 갱신형 뇌졸중진단비(감액없음)보장 특별약관 ······ 294
2-27. 뇌졸중진단비(감액없음)(예약)보장 특별약관 ········· 296
2-28. 급성심근경색증진단비(감액없음)보장 특별약관 ····· 298
2-29. 급성심근경색증진단비(감액없음)추가보장 특별약관 ·· 298
2-30. 갱신형 급성심근경색증진단비(감액없음)보장 특별약관· 298

2-31. 급성심근경색증진단비(감액없음)(예약)보장 특별약관 300
2-32. 질병입원일당(1일이상)보장 특별약관 ····················· 302
2-33. 질병입원일당(1일이상)추가보장 특별약관 ·············· 302
2-34. 갱신형 질병입원일당(1일이상)보장 특별약관 ········ 302
2-35. 질병입원일당(4일이상)보장 특별약관 ····················· 305
2-36. 질병중환자실 입원일당(1일이상)보장 특별약관 ···· 308
2-37. 갱신형 질병중환자실 입원일당(1일이상)보장
특별약관 ······································································ 308
2-38. 갱신형 간병인지원 질병입원일당(1일이상)보장
특별약관 ······································································ 313
2-38-1. 갱신형 질병입원일당(1일이상, 전환용)보장
특별약관 ································································· 318
2-39. 7대질병입원일당보장 특별약관 ································ 321
2-40. 생활질환입원일당보장 특별약관
(아토피피부염‧중이염‧축농증) ··································· 324
2-41. 어린이12대다발성질환입원일당보장 특별약관 ······· 327
2-42. 질병수술비보장 특별약관 ·········································· 330
2-43. 질병수술비추가보장 특별약관 ·································· 330
2-44. 갱신형 질병수술비보장 특별약관 ···························· 330
2-45. 조혈모세포이식수술비보장 특별약관 ······················· 334
2-46. 호흡기관련질병수술비보장 특별약관 ······················· 337
2-47. 충수염수술비보장 특별약관 ······································ 339
2-48. 당뇨병수술비보장 특별약관 ······································ 341
2-49. 식중독입원일당보장 특별약관 ·································· 344
2-50. 특정전염병진단비보장 특별약관 ······························ 347
2-51. 양성뇌종양진단비보장 특별약관 ······························ 349
2-52. 심장관련소아특정질병진단비보장 특별약관 ··········· 351
2-53. 시력치료비보장 특별약관 ·········································· 353
2-54. 부정교합치료비보장 특별약관 ·································· 356
2-55. 질병사망보장 특별약관 ············································· 358
2-56. 질병사망 추가보장 특별약관 ···································· 358
2-57. 갱신형 질병사망보장 특별약관 ································ 358
2-58. 선천이상수술비보장 특별약관 ·································· 360
2-59. 선천이상수술비(혀유착증 제외)보장 특별약관 ······ 362
2-60. 선천이상입원일당(1일이상)보장 특별약관 ·············· 365
2-61. 선천이상진단비보장 특별약관 ·································· 368
2-62. 특정선천이상진단비보장 특별약관 ·························· 370

2-63. 암진단비(유사암 및 소액암 제외)(감액없음)보장
특별약관 ······································································ 372
2-64. 이차암진단비보장 특별약관 ······································ 374
2-65. 다발성소아암진단비(감액없음)보장 특별약관 ········ 379
2-66. 환경성질환입원일당보장 특별약관 ·························· 381
2-67. 모야모야병개두수술비보장 특별약관 ······················· 384
2-68. 소아탈장수술비보장 특별약관 ·································· 386
2-69. 소아백혈병진단비보장 특별약관 ······························ 388
2-70. 어린이개흉심장수술비보장 특별약관 ······················· 390
2-71. 추간판장애(디스크질환)수술비보장 특별약관 ········ 392
2-72. 질병입원일당(수술입원 추가)보장 특별약관 ·········· 394
2-73. 뇌혈관질환진단비(감액없음)보장 특별약관 ············ 401
2-74. 뇌혈관질환진단비(감액없음)추가보장 특별약관 ····· 401
2-75. 갱신형 뇌혈관질환진단비(감액없음)보장 특별약관 401
2-76. 허혈성심장질환진단비(감액없음)보장 특별약관 ····· 403
2-77. 허혈성심장질환진단비(감액없음)추가보장 특별약관 · 403
2-78. 갱신형 허혈성심장질환진단비(감액없음)보장 특별약관· 403
2-79. 뇌졸중진단비보장(태아가입용)특별약관 ·················· 405
2-80. 뇌졸중진단비추가보장(태아가입용) 특별약관 ········ 405
2-81. 갱신형 뇌졸중진단비보장(태아가입용) 특별약관 ··· 405
2-82. 뇌혈관질환진단비보장(태아가입용) 특별약관 ········ 408
2-83. 뇌혈관질환진단비추가보장(태아가입용)특별약관 ··· 408
2-84. 갱신형 뇌혈관질환진단비보장(태아가입용) 특별약관 · 408
2-85. 희귀난치성 7대질환진단비보장 특별약관 ··············· 411
2-86. 중증세균성수막염진단비보장 특별약관 ··················· 413
2-87. 16대특정암진단비(감액없음)보장 특별약관 ············ 415
2-88. 갱신형 16대특정암진단비(감액없음)보장 특별약관 415
2-89. 2대질병입원일당(1일이상)보장 특별약관 ··············· 418
2-90. 2대질병수술비보장 특별약관 ···································· 421
2-91. 특정희귀난치성질환입원일당보장 특별약관 ··········· 424
2-92. 특정희귀난치성질환수술비보장 특별약관 ··············· 427
2-93. 질병후유장해(3~100%)보장 특별약관 ···················· 430
2-94. 질병후유장해(3~100%)추가보장 특별약관 ············ 430
2-95. 갱신형 질병후유장해(3~100%)보장 특별약관 ······· 430
2-96. 중증아토피진단비보장 특별약관 ······························ 433
2-97. ADHD진단비보장 특별약관 ······································ 435
2-98. 진성성조숙증진단비보장 특별약관 ·························· 437

2-99. 어린이심장시술비보장 특별약관 ······························ 440
2-100. 시청각질환수술비보장 특별약관 ···························· 442
2-101. 컴퓨터과잉질환(VDT증후군)입원일당 (1일이상)보장
특별약관 ···································································· 444
2-102. 갑상선암 및 기타피부암의 전이암
(림프절 등 전이제외)진단비보장 특별약관 ·········· 447
2-103. 정신질병장애진단비보장 특별약관 ························ 450
2-104. 질병수술비(4일이상 입원수술)보장 특별약관 ······ 452
2-105. 결핵진단비보장 특별약관 ······································· 457
2-106. 약제내성결핵(슈퍼결핵포함)진단비보장 특별약관 459
2-107. 매월 첫 번째암치료비(유사암제외)(감액없음)보장
특별약관 ···································································· 461
2-108. 매월 유사암치료비(감액없음)보장 특별약관 ········ 463
2-109. 매월 계속암치료비보장 특별약관 ·························· 466
2-110. 소아청소년특정성인병진단비보장 특별약관 ········· 474
2-111. 말기신부전증진단비보장 특별약관 ························ 476
2-112. 뇌혈관질환수술비보장 특별약관 ···························· 478
2-113. 갱신형 뇌혈관질환수술비보장 특별약관 ··············· 478
2-114. 허혈성심장질환수술비보장 특별약관 ···················· 481
2-115. 갱신형 허혈성심장질환수술비보장 특별약관 ······· 481
2-116. 64대질병수술비보장 특별약관 ······························· 484
2-117. 갱신형 64대질병수술비보장 특별약관 ·················· 484
2-118. 32대질병관혈수술비(연간1회한)보장 특별약관 ··· 489
2-119. 갱신형 32대질병관혈수술비(연간1회한)보장
특별약관 ···································································· 489
2-120. 5대질환수술비(Ⅱ)(연간1회한)보장 특별약관 ······· 493
2-121. 갱신형 5대질환수술비(Ⅱ)(연간1회한)보장 특별약관· 493
2-122. 질병고도후유장해보장 특별약관 ···························· 497
2-123. 갑상선암(초기제외)진단비보장 특별약관 ·············· 500
2-124. 상급종합병원 질병입원일당(1일이상)보장 특별약관 · 502
2-125. 질병입원일당(1일이상 30일한도)보장 특별약관 ·· 507
2-126. 재진단암진단비(1년 대기형)보장 특별약관 ·········· 510
2-127. 재진단암진단비(2년 대기형)보장 특별약관 ·········· 517
2-128. 특정선천이상수술비보장 특별약관 ························ 524
2-129. 말기폐질환진단비보장 특별약관 ···························· 526
2-130. 말기간경화진단비보장 특별약관 ···························· 528
2-131. 대상포진진단비보장 특별약관 ································ 530

2-132. 갱신형 대상포진진단비보장 특별약관 ·················· 530
2-133. 대상포진눈병진단비보장 특별약관 ························ 532
2-134. 갱신형 대상포진눈병진단비보장 특별약관 ··········· 532
2-135. 통풍진단비보장 특별약관 ······································· 534
2-136. 갱신형 통풍진단비보장 특별약관 ·························· 534
2-137. 간경변증진단비보장 특별약관 ································ 536
2-138. 갱신형 간경변증진단비보장 특별약관 ·················· 536
2-139. 갑상선기능항진증치료비보장 특별약관 ················· 538
2-140. 질병수술비(백내장제외)보장 특별약관 ·················· 541
2-141. 갱신형 질병수술비(백내장제외)보장 특별약관 ···· 541
2-142. 갱신형 당뇨병진단비(당화혈색소 7.0%이상)보장
특별약관 ···································································· 545
3. 상해․질병관련 특별약관 ························································ 547
3-1. 5대장기이식수술비보장 특별약관 ······························ 547
3-2. 깁스치료비보장 특별약관 ············································ 549
3-3. 각막이식수술비보장 특별약관 ···································· 551
3-4. 인공관절수술비보장 특별약관 ···································· 553
3-5. 3대장애진단비보장 특별약관 ······································ 556
3-6. 응급실내원비(응급)보장 특별약관 ····························· 559
3-7. 응급실내원비(비응급)보장 특별약관 ·························· 563
3-8. 신깁스치료비보장 특별약관 ········································ 568
3-9. 갱신형 신깁스치료비보장 특별약관 ··························· 568
3-10. 수술비(1~5종)보장 특별약관 ··································· 571
3-11. 갱신형 수술비(1~5종)보장 특별약관 ······················ 571
4. 비용관련 특별약관 ································································· 574
4-1. 저체중아육아비용 및 신생아입원일당보장 특별약관574
4-2. 출생위험(Ⅱ)보장 특별약관
(저체중아(2.0kg이하) 출생, 장해 출생, 심한장해 출생) ·· 577
4-3. 출생위험(Ⅲ)보장 특별약관
(저체중아(2.5kg이하) 출생, 저체중아(2.0kg이하) 출생,
장해 출생, 심한장해 출생) ········································· 580
4-4. 임신27주이내 조산치료비보장 특별약관 ·················· 583
4-5. 유괴납치피해일당보장 특별약관 ································ 585
4-6. 의료사고법률비용보장 특별약관 ································ 586
4-7. 자가용운전자용 벌금보장 특별약관 ··························· 588

4-8. 자가용운전자용 교통사고 처리지원금보장(Ⅲ) 특별약관· 591
4-9. 자가용운전자용 자동차사고 변호사선임비용보장
특별약관 ········································································ 598
4-10. 자전거사고 벌금보장 특별약관 ································ 602
4-11. 자전거사고 처리지원금(타인사망)보장 특별약관 ··· 604
4-12. 자가용운전자용 벌금(대물)보장 특별약관 ·············· 609
4-13. 항암가발비용보장 특별약관 ······································ 612
5. 배상책임관련 특별약관 ························································· 615
배상책임 관련 특별약관 일반조항 ······································ 615
5-1. 갱신형 자녀배상책임(Ⅱ)보장 특별약관 ···················· 624
5-2. 갱신형 가족일상생활중배상책임(Ⅱ)보장 특별약관 · 627
6. 치아관련 특별약관 ································································· 631
6-1. 갱신형 영구치상실치료비(상해 및 질병)보장 특별약관·· 631
6-2. 갱신형 영구치상실치료비(상해 및 질병)(예약)보장
특별약관 ········································································ 631
6-3. 갱신형 치아보존치료비(유치 및 영구치, 상해 및
질병)(감액없음)보장 특별약관 ···································· 635
6-4. 갱신형 치아보존치료비(유치 및 영구치, 상해 및
질병)(감액없음)(예약)보장 특별약관 ························· 635
6-5. 갱신형 치아보철치료비(영구치, 상해 및 질병)
(감액없음)보장 특별약관 ············································· 642
6-6. 갱신형 치아보철치료비(영구치, 상해 및 질병)
(감액없음)(예약)보장 특별약관 ·································· 642
6-7. 갱신형 치아근관치료비(치아신경치료비)
(유치 및 영구치, 상해 및 질병)보장 특별약관 ······· 648
6-8. 갱신형 치아근관치료비(치아신경치료비)
(유치 및 영구치, 상해 및 질병)(예약)보장 특별약관 ·· 648
6-9. 갱신형 치주소파술치료비보장 특별약관 ················· 653
6-10. 갱신형 치주소파술치료비(예약)보장 특별약관 ······ 653
6-11. 갱신형 치면열구전색술(실란트) 치료비보장 특별약관· 656
6-12. 갱신형 치면열구전색술(실란트) 치료비(예약)보장
특별약관 ······································································ 656
6-13. 갱신형 치석제거(스케일링)치료비 보장 특별약관 · 660
6-14. 갱신형 치석제거(스케일링)치료비 (예약)보장
특별약관 ······································································ 660

6-15. 갱신형 치아촬영비(X-ray 및 파노라마)보장
특별약관 ······································································ 664
6-16. 갱신형 치아촬영비(X-ray 및 파노라마)(예약)보장
특별약관 ······································································ 664
6-17. 갱신형 발치치료비보장 특별약관 ···························· 668
6-18. 갱신형 발치치료비(예약)보장 특별약관 ················ 668
6-19. 갱신형 치주질환수술 및 턱관절장애치료보장
특별약관 ······································································ 673
6-20. 갱신형 치주질환수술 및 턱관절장애치료(예약)보장
특별약관 ······································································ 673
6-21. 갱신형 특정 임플란트 치조골 이식술 치료비
(영구치, 상해 및 질병) 보장 특별약관 ·················· 678
6-22. 갱신형 특정 임플란트 치조골 이식술 치료비
(영구치, 상해 및 질병) (예약)보장 특별약관 ········ 678
제2장 보호자보장관련 특별약관 ··············································· 684
1. 상해관련 특별약관 ································································· 684
1-1. 보호자 일반상해사망 특별약관 ·································· 684
2. 질병관련 특별약관 ································································· 686
2-1. 보호자 여성산과관련질병사망보장 특별약관 ··········· 686
2-2. 보호자 임신․출산질환입원일당보장 특별약관 ··········· 688
2-3. 보호자 임신․출산질환수술비보장 특별약관 ··············· 691
2-4. 보호자 유산입원일당보장 특별약관 ··························· 694
2-5. 보호자 유산수술비보장 특별약관 ······························ 697
2-6. 보호자 임신․출산질환 고혈압당뇨병입원일당보장
특별약관 ········································································ 700
2-7. 보호자 여성산과관련자궁적출수술비보장 특별약관 703
2-8. 보호자 태반조기박리진단비보장 특별약관 ··············· 706
2-9. 보호자 임신중독증(자간포함)진단비보장 특별약관 · 708
2-10. 보호자 유산진단비보장 특별약관 ···························· 710
2-11. 보호자 출산전선별검사이상소견진단비 보장 특별약관 712
[2형(계약전환형)]
무배당 내Mom같은 어린이보험1910 보통약관
제1관 목적 및 용어의 정의 ······················································· 717

제1조(목적) ·································································································· 717
제2조(용어의 정의) ····················································································· 717
제2관 보험금의 지급 ·································································· 719
제3조(보험금의 지급사유) ·········································································· 719
제4조(보험금 지급에 관한 세부규정) ······················································· 719
제5조(보험금을 지급하지 않는 사유) ······················································· 719
제6조(보험금 지급사유의 통지) ································································ 720
제7조(보험금 등의 청구) ············································································ 720
제8조(보험금의 지급절차) ·········································································· 721
제9조(보험금 받는 방법의 변경) ································································ 722
제10조(주소변경통지) ················································································· 722
제11조(보험수익자의 지정) ········································································ 722
제12조(대표자의 지정) ··············································································· 723
제3관 계약자의 계약 전 알릴 의무 등 ···································· 723
제13조(계약 전 알릴 의무) ········································································ 723
제14조(상해보험계약 후 알릴 의무) ························································ 724
제15조(알릴 의무 위반의 효과) ································································ 725
제16조(사기에 의한 계약) ········································································· 727
제4관 보험계약의 성립과 유지 ················································· 727
제17조(보험계약의 성립) ··········································································· 727
제18조(청약의 철회) ··················································································· 728
제19조(약관교부 및 설명의무 등) ······························································ 729
제20조(계약의 무효) ··················································································· 730
제21조(계약내용의 변경 등) ······································································ 731
제22조(보험나이 등) ··················································································· 732
제23조(계약의 소멸) ··················································································· 733
제5관 보험료의 납입 ·································································· 733
제24조(제1회 보험료 및 회사의 보장개시) ··············································· 733
제25조(제2회 이후 보험료의 납입) ·························································· 734
제25조의1(보험료의 납입면제) ··································································· 734
제25조의2(납입면제에 관한 세부규정) ···················································· 734
제25조의3(암(유사암제외), 유사암, 뇌혈관질환, 허혈성심장질환의 정의
및 진단확정) ··············································································· 736
제26조(보험료의 자동대출납입) ································································ 738
제27조(보험료의 납입이 연체되는 경우 납입최고(독촉)와 계약의 해지) ···· 739
제28조(보험료의 납입을 연체하여 해지된 계약의 부활 (효력회복)) ·· 740
제29조(강제집행 등으로 인하여 해지된 계약의 특별부활(효력회복)) 740
제6관 계약의 해지 및 해지환급금 등 ····································· 741
제30조(계약자의 임의해지 및 피보험자의 서면동의 철회) ·················· 741
제31조(중대사유로 인한 해지) ·································································· 741

제32조(회사의 파산선고와 해지) ······························································ 742
제33조(해지환급금) ····················································································· 742
제34조(보험계약대출) ················································································· 742
제35조(배당금의 지급) ··············································································· 743
제7관 분쟁의 조정 등 ································································ 743
제36조(분쟁의 조정) ··················································································· 743
제37조(관할법원) ························································································· 743
제38조(소멸시효) ························································································· 743
제39조(약관의 해석) ··················································································· 743
제40조(회사가 제작한 보험안내자료 등의 효력) ···································· 744
제41조(법령 등의 개정에 따른 계약내용의 변경) ···································· 744
제42조(회사의 손해배상책임) ···································································· 744
제43조(개인정보보호) ················································································· 745
제44조(준거법) ···························································································· 745
제45조(예금보험에 의한 지급보장) ·························································· 745
[2형(계약전환형)]
무배당 내Mom같은 어린이보험1910 특별약관
1. 상해관련 특별약관 ································································· 749
1-1. 일반상해 후유장해(3~100%)보장 특별약관 ············· 749
1-2. 일반상해입원일당(1일이상)보장 특별약관 ················ 751
1-3. 상해수술비보장 특별약관 ············································ 753
1-4. 골절(치아파절 제외)진단비보장 특별약관 ················ 756
1-5. 화상진단비보장 특별약관 ············································ 758
1-6. 골절수술비보장 특별약관 ············································ 759
1-7. 화상수술비보장 특별약관 ············································ 761
1-8. 일반상해후유장해(20~100%)보장 특별약관 ············ 763
1-9. 대중교통이용중 교통상해 후유장해보장(3~100%)
특별약관 ········································································ 765
1-10. 자가용운전자용 교통상해 후유장해보장(3~100%)
특별약관 ······································································ 768
1-11. 비운전자용 교통상해 후유장해보장(3~100%)
특별약관 ······································································ 772
1-12. 일반상해 80%이상후유장해 재활자금보장 특별약관 · 775
1-13. 일반상해 50%이상후유장해 재활자금보장 특별약관 ·· 778
1-14. 일반상해중환자실 입원일당(1일이상)보장 특별약관 ·· 781
1-15. 5대골절진단비보장 특별약관 ···································· 784

1-16. 5대골절수술비보장 특별약관 ···································· 785
1-17. 상해흉터복원수술비보장 특별약관 ·························· 787
1-18. 중대한특정상해수술비보장 특별약관 ······················· 790
1-19. 중증화상및부식진단비보장 특별약관 ······················· 793
1-20. 자가용운전자용 자동차사고부상치료비보장 특별약관 · 795
1-21. 비운전자용 자동차사고부상치료비보장 특별약관 ·· 798
1-22. 심한상해수술비보장 특별약관 ·································· 801
1-23. 신골절치료비보장 특별약관 ······································ 803
1-24. 상급종합병원 일반상해입원일당(1일이상)보장
특별약관 ······································································ 805
1-25. 일반상해입원일당(1일이상 30일한도)보장 특별약관 ·· 809
1-26. 일반상해고도후유장해보장 특별약관 ······················· 811
1-27. 종합병원 일반상해입원일당(1일이상)보장 특별약관 · 813
2. 질병관련 특별약관 ································································· 816
2-1. 질병사망보장 특별약관 ················································ 816
2-2. 질병입원일당(1일이상)보장 특별약관 ························ 818
2-3. 암직접치료입원일당(Ⅱ)(요양병원제외, 1일이상)
보장 특별약관 ······························································· 821
2-4. 암요양병원입원일당(Ⅱ)(1일이상 90일한도)
보장 특별약관 ······························································· 826
2-5. 암요양병원입원일당(Ⅱ)(1일이상 60일한도)
보장 특별약관 ······························································· 830
2-6. 질병수술비보장 특별약관 ············································ 834
2-7. 암수술비(유사암제외)(감액없음)보장 특별약관 ········ 838
2-8. 유사암수술비(감액없음)보장 특별약관 ······················ 841
2-9. 암진단비(유사암제외)(감액없음)보장 특별약관 ········ 844
2-10. 암진단비(유사암 및 소액암 제외)
(감액없음)보장 특별약관 ··········································· 846
2-11. 유사암진단비(감액없음)보장 특별약관 ···················· 848
2-12. 뇌졸중진단비(감액없음)보장 특별약관 ···················· 851
2-13. 급성심근경색증진단비(감액없음)보장 특별약관 ····· 853
2-14. 양성뇌종양진단비보장 특별약관 ······························ 855
2-15. 항암방사선약물치료비(감액없음)보장 특별약관 ····· 857
2-16. 질병 50%이상후유장해 재활자금보장 특별약관 ··· 860
2-17. 갑상선암 및 기타피부암의 전이암
(림프절 등 전이제외)진단비보장 특별약관 ············ 863

2-18. 5대고액치료비암진단비(감액없음)보장 특별약관 ·· 866
2-19. 질병중환자실 입원일당(1일이상)보장 특별약관 ···· 868
2-20. 조혈모세포이식수술비보장 특별약관 ······················· 872
2-21. 호흡기관련질병수술비보장 특별약관 ······················· 875
2-22. 충수염수술비보장 특별약관 ······································ 877
2-23. 말기폐질환진단비보장 특별약관 ······························ 879
2-24. 말기간경화진단비보장 특별약관 ······························ 881
2-25. 특정전염병진단비보장 특별약관 ······························ 883
2-26. 뇌혈관질환진단비(감액없음)보장 특별약관 ············ 884
2-27. 허혈성심장질환진단비(감액없음)보장 특별약관 ····· 886
2-28. 16대특정암진단비(감액없음)보장 특별약관 ············ 888
2-29. 2대질병수술비보장 특별약관 ···································· 890
2-30. 갑상선기능항진증치료비보장 특별약관 ··················· 893
2-31. 질병후유장해(3~100%)보장 특별약관 ···················· 896
2-32. 질병수술비(백내장제외)보장 특별약관 ···················· 898
2-33. 매월 첫 번째암치료비(유사암제외)(감액없음)보장
특별약관 ······································································ 902
2-34. 매월 유사암치료비(감액없음)보장 특별약관 ·········· 904
2-35. 매월 계속암치료비보장 특별약관 ···························· 907
2-36. 뇌혈관질환수술비보장 특별약관 ······························ 915
2-37. 허혈성심장질환수술비보장 특별약관 ······················· 917
2-38. 64대질병수술비보장 특별약관 ································· 919
2-39. 32대질병관혈수술비(연간1회한)보장 특별약관 ······ 923
2-40. 5대질환수술비(Ⅱ)(연간1회한)보장 특별약관 ········· 927
2-41. 질병고도후유장해 보장 특별약관 ···························· 930
2-42. 갑상선암(초기제외)진단비보장 특별약관 ················ 932
2-43. 상급종합병원 질병입원일당(1일이상)보장 특별약관 ·· 934
2-44. 질병입원일당(1일이상 30일한도)보장 특별약관 ···· 939
2-45. 재진단암진단비(1년 대기형)보장 특별약관 ············ 942
2-46. 재진단암진단비(2년 대기형)보장 특별약관 ············ 949
2-47. 종합병원 질병입원일당(1일이상)보장 특별약관 ···· 956
2-48. 대상포진진단비보장 특별약관 ·································· 960
2-49. 대상포진눈병진단비보장 특별약관 ·························· 962
2-50. 통풍진단비보장 특별약관 ·········································· 964
2-51. 간경변증진단비보장 특별약관 ·································· 966

3. 상해․질병관련 특별약관 ························································ 968
3-1. 5대장기이식수술비보장 특별약관 ······························ 968
3-2. 깁스치료비보장 특별약관 ············································ 970
3-3. 각막이식수술비보장 특별약관 ···································· 972
3-4. 인공관절수술비보장 특별약관 ···································· 974
3-5. 응급실내원비(응급)보장 특별약관 ····························· 977
3-6. 응급실내원비(비응급)보장 특별약관 ·························· 980
3-7. 신깁스치료비보장 특별약관 ········································ 985
3-8. 수술비(1~5종)보장 특별약관 ····································· 987
4. 비용관련 특별약관 ································································· 990
4-1. 자가용운전자용 벌금보장 특별약관 ··························· 990
4-2. 자가용운전자용 교통사고 처리지원금(Ⅲ)보장 특별약관· 993
4-3. 자가용운전자용 자동차사고 변호사선임비용보장
특별약관 ······································································ 1000
4-4. 의료사고법률비용보장 특별약관 ······························ 1004
4-5. 자가용운전자용 벌금(대물)보장 특별약관 ·············· 1006
4-6. 항암가발비용보장 특별약관 ······································ 1009
【별표-공통1】보험금을 지급할 때의 적립이율 계산
(보통약관 제8조 제5항, 제10조 제3항,
10조의1 제3항 및 제35조 제2항 관련) 1012
【별표-공통2】장해분류표 ················································· 1014
【별표-공통3】장애인의 종류 및 기준(정신장애인) ······ 1045
【별표-공통4】장애인의 종류 및 기준
(시각,청각,언어장애인) ···························· 1046
【별표-상해1】골절(치아파절 제외) 분류표 ··················· 1047
【별표-상해2】골절 분류표 ··············································· 1049
【별표-상해3】화상 분류표 ··············································· 1051
【별표-상해4】5대골절 분류표 ········································· 1052
【별표-상해5】중대한 특정상해 분류표 ·························· 1053
【별표-상해6】자동차사고 부상 등급표 ·························· 1054
【별표-상해7】신경 및 장기손상 분류표 ························ 1070
【별표-상해8】신골절치료비 보험금 지급률표 ··············· 1072
【별표-질병1】5대질환 분류표 ········································· 1077
【별표-질병2】악성신생물(암) 분류표 ····························· 1078
【별표-질병3】제자리신생물 분류표 ································ 1080

【별표-질병4】행동양식 불명 또는 미상의 신생물 분류표 1081
【별표-질병5】5대고액치료비암 분류표 ·························· 1082
【별표-질병6】뇌졸중대상질병 분류표 ···························· 1084
【별표-질병7】백내장 분류표 ··········································· 1085
【별표-질병8】급성심근경색증대상질병 분류표 ············· 1086
【별표-질병9】7대질병 분류표 ········································· 1087
【별표-질병10】어린이12대다발성질환 분류표 ·············· 1089
【별표-질병11】아토피피부염․중이염․축농증 분류표 ····· 1092
【별표-질병12】소아청소년특정성인병 분류표 ·············· 1093
【별표-질병13】호흡기관련질병 분류표 ·························· 1095
【별표-질병14】충수염(맹장염) 분류표 ··························· 1096
【별표-질병15】당뇨병질환 분류표 ································· 1097
【별표-질병16】식중독 분류표 ········································· 1098
【별표-질병17】특정전염병 분류표 ································· 1099
【별표-질병18】컴퓨터과잉질환(VDT증후군) 분류표 ···· 1101
【별표-질병19】선천성 기형, 변형 및 염색체 이상 ····· 1102
【별표-질병20】여성산과(임신,출산및산후)관련 특정질병
분류표 ······················································ 1103
【별표-질병21】임신․출산관련질환 분류표 ····················· 1104
【별표-질병22】유산 분류표 ············································· 1105
【별표-질병23】기관(organ)분류표 ·································· 1106
【별표-질병24】뇌혈관질환 분류표 ································· 1108
【별표-질병25】허혈성심장질환 분류표 ·························· 1109
【별표-질병26】다발성소아암 분류표 ······························ 1110
【별표-질병27】환경성질환 분류표 ································· 1111
【별표-질병28】모야모야병 분류표 ································· 1113
【별표-질병29】탈장 분류표 ············································· 1114
【별표-질병30】소아백혈병 분류표 ································· 1115
【별표-질병31】추간판장애 분류표 ································· 1116
【별표-질병32】임신․출산관련 고혈압․당뇨병 분류표 ···· 1117
【별표-질병33】뇌졸중대상질병(신생아뇌출혈포함) 분류표1118
【별표-질병34】뇌혈관질환(신생아뇌출혈포함) 분류표 1119
【별표-질병35】희귀난치성 7대질환 분류표 ·················· 1120
【별표-질병36】16대특정암 분류표 ································· 1121
【별표-질병37】특정희귀난치성질환 분류표 ·················· 1123
【별표-질병38】말기폐질환(End Stage Lung Disease) 1128
【별표-질병39】관절염․생식기질환 분류표 ····················· 1130

【별표-질병40】아토피성 피부염 분류표 ························ 1131
【별표-질병41】활동성 및 주의력 장애 분류표 ············ 1132
【별표-질병42】성조숙증 분류표 ····································· 1133
【별표-질병43】시청각질환 분류표 ································· 1134
【별표-질병44】자궁적출수술 분류표 ······························ 1135
【별표-질병45】태반조기박리 분류표 ······························ 1136
【별표-질병46】임신중독증(자간포함) 분류표 ··············· 1137
【별표-질병47】결핵분류표 ··············································· 1138
【별표-질병48】약제내성결핵(슈퍼결핵포함)분류표 ······ 1139
【별표-질병49】치핵 분류표 ············································· 1140
【별표-질병50】특정 선천성 기형, 변형 및 염색체 이상 1141
【별표-질병51】산전 선별검사 이상소견 분류표 ··········· 1142
【별표-질병52】특정15대질병 분류표 ····························· 1143
【별표-질병53】다빈도38대질병 분류표 ························· 1147
【별표-질병54】32대질병 분류표 ····································· 1153
【별표-질병55】말기간경화(End Stage Liver Cirrhosis) 1159
【별표-질병56】당뇨병대상질병 분류표 ·························· 1160
【별표-질병57】대상포진대상질병 분류표 ······················ 1161
【별표-질병58】대상포진눈병대상질병 분류표 ·············· 1162
【별표-질병59】간경변증대상질병 분류표 ······················ 1163
【별표-질병60】통풍대상질병 분류표 ······························ 1164
【별표-질병61】갑상선기능항진증대상질병 분류표 ······· 1165
【별표-상해․질병1】1~5종 수술분류표 ··························· 1166
【별표-비용1】출생전후기에 발생한 주요병태 분류표 · 1175
【별표-비용2】장해의 대상 ··············································· 1176
【별표-비용3】심한 장해의 대상 ····································· 1178
【별표-치아1】치주질환 대상질병 분류표 ······················ 1179
【별표-치아2】턱관절장애 대상질병 분류표 ·················· 1180
【별표1】특정신체부위․질병 분류표 ································· 1181
- 【별표1-1】 특정신체부위 분류표 ··························· 1181
- 【별표1-2】 특정질병 분류표 ··································· 1183
무배당 출산보장 특별약관1907
가입자 유의사항 ········································································ 1191
제1관 목적 및 용어의 정의 ···················································· 1193

제1조(목적) ································································································ 1193
제2조(용어의 정의) ··················································································· 1193
제2관 보험금의 지급 ································································ 1194
제3조(피보험자의 범위) ············································································· 1194
제4조(보험금의 지급사유) ········································································· 1194
제5조(보험금 지급에 관한 세부규정) ····················································· 1194
제6조(보험금을 지급하지 않는 사유) ····················································· 1195
제7조(출생전후기의 정의) ········································································· 1196
제8조(입원의 정의와 장소) ······································································ 1196
제9조(보험금 지급사유의 통지) ······························································ 1196
제10조(보험금 등의 청구) ······································································· 1196
제11조(보험금의 지급절차) ····································································· 1196
제12조(보험금 받는 방법의 변경) ···························································· 1198
제13조(주소변경통지) ··············································································· 1198
제14조(보험수익자의 지정) ····································································· 1198
제15조(대표자의 지정) ············································································· 1198
제3관 계약자의 계약 전 알릴 의무 등 ································· 1199
제16조(계약 전 알릴 의무) ····································································· 1199
제17조(알릴 의무 위반의 효과) ······························································ 1199
제18조(사기에 의한 계약) ······································································· 1200
제4관 보험계약의 성립과 유지 ··············································· 1201
제19조(보험계약의 성립) ········································································· 1201
제20조(청약의 철회) ················································································· 1202
제21조(약관교부 및 설명의무 등) ···························································· 1202
제22조(계약의 무효) ················································································· 1204
제23조(계약내용의 변경 등) ··································································· 1205
제24조(보험나이 등) ················································································· 1206
제25조(특별약관의 소멸) ········································································· 1206
제5관 보험료의 납입 ································································ 1207
제26조(제1회 보험료 및 회사의 보장개시) ············································ 1207
제27조(제2회 이후 보험료의 납입) ························································ 1207
제28조(보험료의 자동대출납입) ······························································ 1207
제29조(보험료의 납입이 연체되는 경우 납입최고(독촉)와 계약의 해지) ·· 1208
제30조(보험료의 납입을 연체하여 해지된 계약의 부활 (효력회복)) 1209
제31조(강제집행 등으로 인하여 해지된 계약의 특별부활(효력회복)) 1209
제6관 계약의 해지 및 해지환급금 등 ··································· 1210
제32조(계약자의 임의해지 및 피보험자의 서면동의 철회) ················ 1210
제33조(중대사유로 인한 해지) ································································ 1211
제34조(회사의 파산선고와 해지) ···························································· 1211
제35조(해지환급금) ··················································································· 1211

제36조(보험계약대출) ··············································································· 1211
제37조(배당금의 지급) ············································································· 1212
제7관 분쟁의 조정 등 ······························································ 1212
제38조(분쟁의 조정) ················································································· 1212
제39조(관할법원) ······················································································ 1212
제40조(소멸시효) ······················································································ 1212
제41조(약관의 해석) ················································································· 1212
제42조(회사가 제작한 보험안내자료 등의 효력) ································· 1213
제43조(법령 등의 개정에 따른 계약내용의 변경) ································· 1213
제44조(회사의 손해배상책임) ·································································· 1213
제45조(개인정보보호) ··············································································· 1214
제46조(준거법) ·························································································· 1214
제47조(예금보험에 의한 지급보장) ························································ 1214
무배당 출산보장 특별약관1907 추가특별약관
1. 출생위험(Ⅱ)보장 추가특별약관
(저체중아(2.0kg이하) 출생, 장해 출생, 심한장해 출생) · 1217
2. 출생위험(Ⅲ)보장 추가특별약관
(저체중아(2.5kg이하) 출생, 저체중아(2.0kg이하) 출생,
장해 출생, 심한장해 출생) ··········································· 1220
3. 임신27주이내 조산치료비보장 추가특별약관 ············· 1223
4. 선천이상진단비보장 추가특별약관 ······························· 1225
5. 특정선천이상진단비보장 추가특별약관 ······················· 1227
【별표1】보험금을 지급할 때의 적립이율 계산
(특별약관 제11조 제5항 및 제35조 제2항 관련) · 1229
【별표2】출생전후기에 발생한 주요병태 분류표 ··········· 1230
【별표3】장해의 대상 ························································· 1231
【별표4】심한 장해의 대상 ··············································· 1233
【별표5】선천성 기형, 변형 및 염색체 이상 ·················· 1234
【별표6】특정 선천성 기형, 변형 및 염색체 이상 ········ 1235
무배당 보호자 임신출산보장 특별약관1905
가입자 유의사항 ········································································ 1239
제1관 목적 및 용어의 정의 ···················································· 1243
제1조(목적) ································································································ 1243

제2조(용어의 정의) ··················································································· 1243
제2관 보험금의 지급 ································································ 1244
제3조(피보험자의 범위) ··········································································· 1244
제4조(보험금의 지급사유) ········································································ 1244
제5조(보험금 지급에 관한 세부규정) ····················································· 1244
제6조(보험금을 지급하지 않는 사유) ······················································ 1245
제7조(보험금 지급사유의 통지) ······························································ 1245
제8조(보험금 등의 청구) ········································································· 1245
제9조(보험금의 지급절차) ········································································ 1246
제10조(보험금 받는 방법의 변경) ···························································· 1247
제11조(주소변경통지) ··············································································· 1247
제12조(보험수익자의 지정) ····································································· 1248
제13조(대표자의 지정) ············································································· 1248
제3관 계약자의 계약 전 알릴 의무 등 ································· 1248
제14조(계약 전 알릴 의무) ····································································· 1248
제15조(알릴 의무 위반의 효과) ······························································ 1249
제16조(사기에 의한 계약) ······································································· 1250
제4관 보험계약의 성립과 유지 ··············································· 1250
제17조(보험계약의 성립) ········································································· 1250
제18조(청약의 철회) ················································································· 1251
제19조(약관교부 및 설명의무 등) ···························································· 1252
제20조(계약의 무효) ················································································· 1253
제21조(계약내용의 변경 등) ··································································· 1255
제22조(보험나이 등) ················································································· 1255
제23조(보험기간) ························································································ 1256
제24조(특별약관의 소멸) ········································································· 1256
제5관 보험료의 납입 ································································ 1256
제25조(제1회 보험료 및 회사의 보장개시) ············································ 1256
제26조(보험료의 납입) ··············································································· 1257
제27조(보험료의 자동대출납입) ······························································ 1257
제28조(보험료의 납입이 연체되는 경우 납입최고(독촉)와 계약의 해지) · 1258
제29조(보험료의 납입을 연체하여 해지된 계약의 부활 (효력회복)) 1259
제30조(강제집행 등으로 인하여 해지된 계약의 특별부활(효력회복)) 1259
제6관 계약의 해지 및 해지환급금 등 ··································· 1260
제31조(계약자의 임의해지 및 피보험자의 서면동의 철회) ················ 1260
제32조(중대사유로 인한 해지) ································································ 1260
제33조(회사의 파산선고와 해지) ···························································· 1261
제34조(해지환급금) ··················································································· 1261
제35조(보험계약대출) ··············································································· 1261
제36조(배당금의 지급) ············································································· 1262

제7관 분쟁의 조정 등 ······························································ 1262
제37조(분쟁의 조정) ················································································· 1262
제38조(관할법원) ······················································································ 1262
제39조(소멸시효) ······················································································ 1262
제40조(약관의 해석) ················································································· 1262
제41조(회사가 제작한 보험안내자료 등의 효력) ································· 1262
제42조(법령 등의 개정에 따른 계약내용의 변경) ································· 1263
제43조(회사의 손해배상책임) ·································································· 1263
제44조(개인정보보호) ··············································································· 1264
제45조(준거법) ·························································································· 1264
제46조(예금보험에 의한 지급보장) ························································ 1264
무배당 보호자 임신출산보장 특별약관1905
추가특별약관
1. 보호자 임신․출산질환입원일당보장 추가특별약관 ··········· 1267
2. 보호자 임신․출산질환수술비보장 추가특별약관 ·············· 1270
3. 보호자 유산입원일당보장 추가특별약관 ·························· 1272
4. 보호자 유산수술비보장 추가특별약관 ······························ 1275
5. 보호자 임신․출산질환 고혈압당뇨병입원일당보장
추가특별약관 ········································································ 1277
6. 보호자 여성산과관련자궁적출수술비보장 추가특별약관 1280
7. 보호자 태반조기박리진단비보장 추가특별약관 ··············· 1283
8. 보호자 임신중독증(자간포함)진단비보장 추가특별약관 · 1285
9. 보호자 유산진단비보장 추가특별약관 ······························ 1287
10. 보호자 출산전선별검사이상소견진단비 보장 추가특별약관 1289
11. 보호자 여성산과관련질병사망보장 추가특별약관 ········· 1291
【별표1】보험금을 지급할 때의 적립이율 계산
(특별약관 제9조 제5항 및 제34조 제2항 관련) · 1294
【별표2】여성산과(임신,출산및산후)관련 특정질병 분류표 1295
【별표3】임신․출산관련질환 분류표 ······································ 1296
【별표4】유산 분류표 ······························································ 1297
【별표5】임신․출산관련 고혈압․당뇨병 분류표 ····················· 1298
【별표6】자궁적출수술 분류표 ··············································· 1299
【별표7】태반조기박리 분류표 ··············································· 1300
【별표8】임신중독증(자간포함) 분류표 ································ 1301
【별표9】산전 선별검사 이상소견 분류표 ···························· 1302

무배당 갱신형 가족일상생활중배상책임(Ⅱ)보장
특별약관1905
가입자 유의사항 ········································································ 1305
제1관 목적 및 용어의 정의 ···················································· 1308
제1조(목적) ································································································ 1308
제2조(용어의 정의) ··················································································· 1308
제2관 보험금의 지급 ································································ 1309
제3조(보상하는 손해) ··············································································· 1309
제4조(보상하지 않는 손해) ······································································ 1311
제5조(손해의 발생과 통지) ········································································ 1312
제6조(보험금 등의 청구) ··········································································· 1312
제7조(보험금의 지급절차) ········································································· 1313
제8조(의무보험과의 관계) ········································································ 1313
제9조(보험금의 분담) ················································································· 1313
제10조(손해방지의무) ················································································· 1314
제11조(손해배상청구에 대한 회사의 해결) ············································· 1314
제12조(합의․절충․중재․소송의 협조․대행 등) ············································ 1315
제13조(대위권) ···························································································· 1316
제14조(보험금 받는 방법의 변경) ···························································· 1316
제15조(주소변경통지) ··············································································· 1316
제16조(보험수익자의 지정) ····································································· 1317
제17조(대표자의 지정) ············································································· 1317
제3관 계약자의 계약 전 알릴 의무 등 ································· 1317
제18조(계약 전 알릴 의무) ····································································· 1317
제19조(계약 후 알릴 의무) ······································································· 1318
제20조(알릴 의무 위반의 효과) ································································ 1318
제21조(사기에 의한 계약) ······································································· 1319
제4관 보험계약의 성립과 유지 ··············································· 1320
제22조(보험계약의 성립) ········································································· 1320
제23조(청약의 철회) ················································································· 1320
제24조(약관교부 및 설명의무 등) ···························································· 1321
제25조(계약의 무효) ················································································· 1322
제26조(계약내용의 변경 등) ··································································· 1322
제27조(타인을 위한 계약) ········································································· 1323
제28조(보험나이 등) ················································································· 1323
제29조(특별약관의 소멸) ········································································· 1324
제30조(특별약관의 자동갱신) ··································································· 1324
제31조(갱신계약 제1회 보험료의 납입연체와 계약의 해제) ················ 1325
제32조(자동갱신 적용) ··············································································· 1325
제5관 보험료의 납입 ································································ 1325

제33조(제1회 보험료 및 회사의 보장개시) ············································ 1325
제34조(제2회 이후 보험료의 납입) ························································ 1326
제35조(보험료의 자동대출납입) ······························································ 1326
제36조(보험료의 납입이 연체되는 경우 납입최고(독촉)와 계약의 해지) · 1327
제37조(보험료의 납입을 연체하여 해지된 계약의 부활 (효력회복)) 1328
제38조(강제집행 등으로 인하여 해지된 계약의 특별부활(효력회복)) 1328
제6관 계약의 해지 및 해지환급금 등 ··································· 1329
제39조(계약자의 임의해지 및 피보험자의 서면동의 철회) ················ 1329
제40조(중대사유로 인한 해지) ································································ 1329
제41조(회사의 파산선고와 해지) ···························································· 1330
제42조(해지환급금) ··················································································· 1330
제43조(보험계약대출) ··············································································· 1330
제44조(배당금의 지급) ············································································· 1331
제7관 분쟁의 조정 등 ······························································ 1331
제45조(분쟁의 조정) ················································································· 1331
제46조(관할법원) ······················································································ 1331
제47조(소멸시효) ······················································································ 1331
제48조(약관의 해석) ················································································· 1331
제49조(회사가 제작한 보험안내자료 등의 효력) ································· 1331
제50조(법령 등의 개정에 따른 계약내용의 변경) ································· 1332
제51조(회사의 손해배상책임) ·································································· 1332
제52조(개인정보보호) ··············································································· 1333
제53조(준거법) ·························································································· 1333
제54조(예금보험에 의한 지급보장) ························································ 1333
【별표】보험금을 지급할 때의 적립이율 계산
(특별약관 제7조 제2항 및 제42조 제2항 관련) ··· 1334
무배당 어린이청소년보장 특별약관1907
가입자 유의사항 ········································································ 1337
제1관 목적 및 용어의 정의 ···················································· 1341
제1조(목적) ································································································ 1341
제2조(용어의 정의) ··················································································· 1341
제2관 보험금의 지급 ································································ 1342
제3조(보험금의 지급사유) ········································································ 1342
제4조(보험금 지급에 관한 세부규정) ····················································· 1342
제5조(보험금을 지급하지 않는 사유) ····················································· 1343
제6조(식중독의 정의 및 진단확정) ·························································· 1343
제7조(입원의 정의와 장소) ········································································ 1344

제8조(보험금 지급사유의 통지) ······························································ 1344
제9조(보험금 등의 청구) ········································································· 1344
제10조(보험금의 지급절차) ····································································· 1345
제11조(보험금 받는 방법의 변경) ···························································· 1346
제12조(주소변경통지) ··············································································· 1346
제13조(보험수익자의 지정) ····································································· 1346
제14조(대표자의 지정) ············································································· 1347
제3관 계약자의 계약 전 알릴 의무 등 ································· 1347
제15조(계약 전 알릴 의무) ····································································· 1347
제16조(상해보험계약 후 알릴 의무) ······················································ 1348
제17조(알릴 의무 위반의 효과) ······························································ 1349
제18조(사기에 의한 계약) ······································································· 1351
제4관 보험계약의 성립과 유지 ··············································· 1351
제19조(보험계약의 성립) ········································································· 1351
제20조(청약의 철회) ················································································· 1352
제21조(약관교부 및 설명의무 등) ···························································· 1353
제22조(계약의 무효) ················································································· 1354
제23조(계약내용의 변경 등) ··································································· 1355
제24조(보험나이 등) ················································································· 1356
제25조(특별약관의 소멸) ········································································· 1357
제5관 보험료의 납입 ································································ 1357
제26조(제1회 보험료 및 회사의 보장개시) ············································ 1357
제27조(제2회 이후 보험료의 납입) ························································ 1358
제28조(보험료의 자동대출납입) ······························································ 1358
제29조(보험료의 납입이 연체되는 경우 납입최고(독촉)와 계약의 해지) · 1359
제30조(보험료의 납입을 연체하여 해지된 계약의 부활 (효력회복)) 1360
제31조(강제집행 등으로 인하여 해지된 계약의 특별부활(효력회복)) 1360
제6관 계약의 해지 및 해지환급금 등 ··································· 1361
제32조(계약자의 임의해지 및 피보험자의 서면동의 철회) ················ 1361
제33조(중대사유로 인한 해지) ································································ 1361
제34조(회사의 파산선고와 해지) ···························································· 1362
제35조(해지환급금) ··················································································· 1362
제36조(보험계약대출) ··············································································· 1362
제37조(배당금의 지급) ············································································· 1363
제7관 분쟁의 조정 등 ······························································ 1363
제38조(분쟁의 조정) ················································································· 1363
제39조(관할법원) ······················································································ 1363
제40조(소멸시효) ······················································································ 1363
제41조(약관의 해석) ················································································· 1363
제42조(회사가 제작한 보험안내자료 등의 효력) ································· 1364
제43조(법령 등의 개정에 따른 계약내용의 변경) ································· 1364
제44조(회사의 손해배상책임) ·································································· 1364

제45조(개인정보보호) ··············································································· 1365
제46조(준거법) ·························································································· 1365
제47조(예금보험에 의한 지급보장) ························································ 1365
무배당 어린이청소년보장 특별약관1907 추가특별약관
1. 스쿨존내 어린이 교통사고치료비보장 추가특별약관 ······ 1369
2. 안전사고피해치료비보장 추가특별약관
(폭력치료비, 유괴인신매매피해치료비) ···························· 1371
3. 생활질환입원일당보장 추가특별약관
(아토피피부염‧중이염‧축농증) ············································ 1374
4. 어린이12대다발성질환입원일당보장 추가특별약관 ········· 1377
5. 3대장애진단비보장 추가특별약관 ······································ 1380
6. 심장관련소아특정질병진단비보장 추가특별약관 ············· 1383
7. 시력치료비보장 추가특별약관 ············································ 1385
8. 부정교합치료비보장 추가특별약관 ···································· 1387
9. 선천이상수술비보장 추가특별약관 ···································· 1389
10. 선천이상수술비(혀유착증 제외)보장 추가특별약관 ······ 1391
11. 선천이상입원일당(1일이상)보장 추가특별약관 ·············· 1393
12. 다발성소아암진단비(감액없음)보장 추가특별약관 ········ 1396
13. 모야모야병개두수술비보장 추가특별약관 ······················ 1398
14. 소아탈장수술비보장 추가특별약관 ·································· 1400
15. 소아백혈병진단비보장 추가특별약관 ······························ 1402
16. 어린이개흉심장수술비보장 추가특별약관 ······················ 1403
17. 중증세균성수막염진단비보장 추가특별약관 ··················· 1405
18. 중증아토피진단비보장 추가특별약관 ······························ 1407
19. ADHD진단비보장 추가특별약관 ······································ 1409
20. 진성성조숙증진단비보장 추가특별약관 ·························· 1411
21. 어린이심장시술비보장 추가특별약관 ······························ 1413
22. 소아청소년특정성인병진단비보장 추가특별약관 ··········· 1415
23. 유괴납치피해일당보장 추가특별약관 ······························ 1417
【별표1】보험금을 지급할 때의 적립이율 계산
(특별약관 제8조 제5항 및 제35조 제2항 관련) · 1418
【별표2】장애인의 종류 및 기준(시각,청각,언어장애인) ··· 1419
【별표3】아토피피부염․중이염․축농증 분류표 ······················· 1420
【별표4】어린이12대다발성질환 분류표 ······························· 1421

【별표5】식중독 분류표 ·························································· 1424
【별표6】선천성 기형, 변형 및 염색체 이상 ······················· 1425
【별표7】다발성소아암 분류표 ··············································· 1426
【별표8】모야모야병 분류표 ·················································· 1427
【별표9】탈장 분류표 ······························································ 1428
【별표10】소아백혈병 분류표 ················································ 1429
【별표11】아토피성 피부염 분류표 ······································· 1430
【별표12】활동성 및 주의력 장애 분류표 ··························· 1431
【별표13】성조숙증 분류표 ···················································· 1432
【별표14】 소아청소년특정성인병 분류표 ··························· 1433
무배당 갱신형 간병인지원
일반상해입원일당(1일이상)보장 특별약관1904
가입자 유의사항 ········································································ 1437
제1관 목적 및 용어의 정의 ···················································· 1441
제1조(목적) ································································································ 1441
제2조(용어의 정의) ··················································································· 1441
제2관 보험금의 지급 ································································ 1442
제3조(보험금의 지급사유) ········································································ 1442
제4조(보험금 지급에 관한 세부규정) ····················································· 1443
제5조(입원의 정의와 장소) ······································································ 1444
제6조(보험금을 지급하지 않는 사유) ····················································· 1444
제7조(보험금 지급사유의 통지) ······························································ 1445
제8조(보험금 등의 청구) ········································································· 1445
제9조(보험금의 지급절차) ········································································ 1446
제10조(보험금 받는 방법의 변경) ·························································· 1447
제11조(주소변경통지) ··············································································· 1447
제12조(보험수익자의 지정) ······································································· 1448
제13조(대표자의 지정) ············································································· 1448
제3관 계약자의 계약 전 알릴 의무 등 ································· 1448
제14조(계약 전 알릴 의무) ····································································· 1448
제15조(상해보험계약 후 알릴 의무) ······················································ 1449
제16조(알릴 의무 위반의 효과) ······························································ 1451
제17조(사기에 의한 계약) ······································································· 1452
제4관 보험계약의 성립과 유지 ··············································· 1452
제18조(보험계약의 성립) ········································································· 1452

제19조(청약의 철회) ················································································· 1453
제20조(약관교부 및 설명의무 등) ·························································· 1454
제21조(계약의 무효) ················································································· 1455
제22조(계약내용의 변경 등) ··································································· 1457
제23조(보험나이 등) ················································································· 1458
제24조(특별약관의 소멸) ········································································· 1458
제25조(특별약관의 자동갱신) ··································································· 1458
제26조(갱신계약 제1회 보험료의 납입연체와 계약의 해제) ················ 1459
제27조(자동갱신 적용) ··············································································· 1459
제5관 보험료의 납입 ································································ 1460
제28조(제1회 보험료 및 회사의 보장개시) ··········································· 1460
제29조(제2회 이후 보험료의 납입) ························································ 1460
제30조(보험료의 자동대출납입) ······························································ 1461
제31조(보험료의 납입이 연체되는 경우 납입최고(독촉)와 계약의 해지) ·· 1461
제32조(보험료의 납입을 연체하여 해지된 계약의 부활(효력회복)) ·· 1462
제33조(강제집행 등으로 인하여 해지된 계약의 특별부활(효력회복)) 1463
제6관 계약의 해지 및 해지환급금 등 ··································· 1464
제34조(계약자의 임의해지 및 피보험자의 서면동의 철회) ················ 1464
제35조(중대사유로 인한 해지) ································································ 1464
제36조(회사의 파산선고와 해지) ···························································· 1464
제37조(해지환급금) ··················································································· 1465
제38조(보험계약대출) ··············································································· 1465
제39조(배당금의 지급) ············································································· 1465
제7관 분쟁의 조정 등 ······························································ 1465
제40조(분쟁의 조정) ················································································· 1465
제41조(관할법원) ······················································································ 1465
제42조(소멸시효) ······················································································ 1466
제43조(약관의 해석) ················································································· 1466
제44조(회사가 제작한 보험안내자료 등의 효력) ································· 1466
제45조(법령 등의 개정에 따른 계약내용의 변경) ································· 1466
제46조(회사의 손해배상책임) ·································································· 1467
제47조(개인정보보호) ················································································· 1467
제48조(준거법) ·························································································· 1467
제49조(예금보험에 의한 지급보장) ························································ 1468
[전환용] 갱신형 일반상해입원일당(1일이상,
전환용)보장 특별약관1904
갱신형 일반상해입원일당(1일이상, 전환용) 보장 특별약관 1471
【별표1】보험금을 지급할 때의 적립이율 계산
(특별약관 제9조 제5항 관련) ································ 1473

무배당 갱신형 간병인지원
질병입원일당(1일이상)보장 특별약관1904
가입자 유의사항 ········································································ 1477
제1관 목적 및 용어의 정의 ···················································· 1481
제1조(목적) ································································································ 1481
제2조(용어의 정의) ··················································································· 1481
제2관 보험금의 지급 ································································ 1482
제3조(보험금의 지급사유) ········································································ 1482
제4조(보험금 지급에 관한 세부규정) ····················································· 1483
제5조(입원의 정의와 장소) ······································································ 1484
제6조(보험금을 지급하지 않는 사유) ····················································· 1485
제7조(보험금 지급사유의 통지) ······························································ 1486
제8조(보험금 등의 청구) ········································································· 1486
제9조(보험금의 지급절차) ········································································ 1486
제10조(보험금 받는 방법의 변경) ·························································· 1487
제11조(주소변경통지) ··············································································· 1488
제12조(보험수익자의 지정) ······································································· 1488
제13조(대표자의 지정) ············································································· 1488
제3관 계약자의 계약 전 알릴 의무 등 ································· 1488
제14조(계약 전 알릴 의무) ····································································· 1488
제15조(상해보험계약 후 알릴 의무) ······················································ 1489
제16조(알릴 의무 위반의 효과) ······························································ 1491
제17조(사기에 의한 계약) ······································································· 1492
제4관 보험계약의 성립과 유지 ··············································· 1493
제18조(보험계약의 성립) ········································································· 1493
제19조(청약의 철회) ················································································· 1494
제20조(약관교부 및 설명의무 등) ·························································· 1495
제21조(계약의 무효) ················································································· 1496
제22조(계약내용의 변경 등) ··································································· 1497
제23조(보험나이 등) ················································································· 1498
제24조(특별약관의 소멸) ········································································· 1498
제25조(특별약관의 자동갱신) ··································································· 1499
제26조(갱신계약 제1회 보험료의 납입연체와 계약의 해제) ················ 1499
제27조(자동갱신 적용) ··············································································· 1499
제5관 보험료의 납입 ································································ 1500
제28조(제1회 보험료 및 회사의 보장개시) ··········································· 1500
제29조(제2회 이후 보험료의 납입) ························································ 1501

제30조(보험료의 자동대출납입) ······························································ 1501
제31조(보험료의 납입이 연체되는 경우 납입최고(독촉)와 계약의 해지) ·· 1502
제32조(보험료의 납입을 연체하여 해지된 계약의 부활(효력회복)) ·· 1502
제33조(강제집행 등으로 인하여 해지된 계약의 특별부활(효력회복)) 1503
제6관 계약의 해지 및 해지환급금 등 ··································· 1504
제34조(계약자의 임의해지 및 피보험자의 서면동의 철회) ················ 1504
제35조(중대사유로 인한 해지) ································································ 1505
제36조(회사의 파산선고와 해지) ···························································· 1505
제37조(해지환급금) ··················································································· 1505
제38조(보험계약대출) ··············································································· 1505
제39조(배당금의 지급) ············································································· 1506
제7관 분쟁의 조정 등 ······························································ 1506
제40조(분쟁의 조정) ················································································· 1506
제41조(관할법원) ······················································································ 1506
제42조(소멸시효) ······················································································ 1506
제43조(약관의 해석) ················································································· 1506
제44조(회사가 제작한 보험안내자료 등의 효력) ································· 1507
제45조(법령 등의 개정에 따른 계약내용의 변경) ································· 1507
제46조(회사의 손해배상책임) ·································································· 1507
제47조(개인정보보호) ················································································· 1508
제48조(준거법) ·························································································· 1508
제49조(예금보험에 의한 지급보장) ························································ 1508
[전환용] 갱신형 질병입원일당(1일이상,
전환용)보장 특별약관1904
갱신형 질병입원일당(1일이상, 전환용)보장 특별약관 ········ 1511
【별표1】보험금을 지급할 때의 적립이율 계산
(특별약관 제9조 제5항 관련) ································ 1513
무배당 갱신형 치아보장 특별약관1907
가입자 유의사항 ········································································ 1517
제1관 목적 및 용어의 정의 ···················································· 1521
제1조(목적) ································································································ 1521
제2조(용어의 정의) ··················································································· 1521

제2관 보험금의 지급 ································································ 1523
제3조(보험금의 지급사유) ········································································ 1523
제4조(보험금 지급에 관한 세부규정) ····················································· 1523
제5조(영구치상실의 정의) ········································································ 1523
제6조(보험금을 지급하지 않는 사유) ····················································· 1524
제7조(보험금 지급사유의 통지) ······························································ 1525
제8조(보험금 등의 청구) ········································································· 1525
제9조(보험금의 지급절차) ········································································ 1525
제10조(보험금 받는 방법의 변경) ···························································· 1526
제11조(주소변경통지) ··············································································· 1527
제12조(보험수익자의 지정) ····································································· 1527
제13조(대표자의 지정) ············································································· 1527
제3관 계약자의 계약 전 알릴 의무 등 ································· 1528
제14조(계약 전 알릴 의무) ····································································· 1528
제15조(상해보험계약 후 알릴 의무) ······················································ 1528
제16조(알릴 의무 위반의 효과) ······························································ 1530
제17조(사기에 의한 계약) ······································································· 1531
제4관 보험계약의 성립과 유지 ··············································· 1532
제18조(보험계약의 성립) ········································································· 1532
제19조(청약의 철회) ················································································· 1533
제20조(약관교부 및 설명의무 등) ···························································· 1533
제21조(계약의 무효) ················································································· 1535
제22조(계약내용의 변경 등) ··································································· 1536
제23조(보험나이 등) ················································································· 1537
제24조(특별약관의 소멸) ········································································· 1537
제25조(특별약관의 자동갱신) ··································································· 1537
제26조(갱신계약 제1회 보험료의 납입연체와 계약의 해제) ················ 1538
제27조(자동갱신 적용) ··············································································· 1538
제5관 보험료의 납입 ································································ 1539
제28조(제1회 보험료 및 회사의 보장개시) ············································ 1539
제29조(제2회 이후 보험료의 납입) ························································ 1539
제30조(보험료의 자동대출납입) ······························································ 1540
제31조(보험료의 납입이 연체되는 경우 납입최고(독촉)와 계약의 해지) 1540
제32조(보험료의 납입을 연체하여 해지된 계약의 부활 (효력회복)) 1541
제33조(강제집행 등으로 인하여 해지된 계약의 특별부활(효력회복)) 1542
제6관 계약의 해지 및 해지환급금 등 ··································· 1543
제34조(계약자의 임의해지 및 피보험자의 서면동의 철회) ················ 1543
제35조(중대사유로 인한 해지) ································································ 1543
제36조(회사의 파산선고와 해지) ···························································· 1543
제37조(해지환급금) ··················································································· 1543
제38조(보험계약대출) ··············································································· 1544

제39조(배당금의 지급) ············································································· 1544
제7관 분쟁의 조정 등 ······························································ 1544
제40조(분쟁의 조정) ················································································· 1544
제41조(관할법원) ······················································································ 1544
제42조(소멸시효) ······················································································ 1544
제43조(약관의 해석) ················································································· 1545
제44조(회사가 제작한 보험안내자료 등의 효력) ································· 1545
제45조(법령 등의 개정에 따른 계약내용의 변경) ································· 1545
제46조(회사의 손해배상책임) ·································································· 1546
제47조(개인정보보호) ··············································································· 1546
제48조(준거법) ·························································································· 1546
제49조(예금보험에 의한 지급보장) ························································ 1547
무배당 갱신형 치아보장 특별약관1907
추가특별약관
1. 갱신형 치아보존치료비(유치 및 영구치, 상해 및 질병)
(감액없음)보장 추가특별약관 ············································ 1551
2. 갱신형 치아보존치료비(유치 및 영구치, 상해 및 질병)
(감액없음)(예약)보장 추가특별약관 ·································· 1551
3. 갱신형 치아보철치료비(영구치, 상해 및 질병)
(감액없음)보장 추가특별약관 ············································ 1558
4. 갱신형 치아보철치료비(영구치, 상해 및 질병)
(감액없음)(예약)보장 추가특별약관 ·································· 1558
5. 갱신형 치아근관치료비(치아신경치료비)
(유치 및 영구치, 상해 및 질병)보장 추가특별약관 ······· 1564
6. 갱신형 치아근관치료비(치아신경치료비)
(유치 및 영구치, 상해 및 질병)(예약)보장 추가특별약관 · 1564
7. 갱신형 치주소파술치료비보장 추가특별약관 ··················· 1569
8. 갱신형 치주소파술치료비(예약)보장 추가특별약관 ········ 1569
9. 갱신형 치면열구전색술(실란트) 치료비보장 추가특별약관 1572
10. 갱신형 치면열구전색술(실란트) 치료비(예약)보장
추가특별약관 ······································································ 1572
11. 갱신형 치석제거(스케일링)치료비 보장 추가특별약관 · 1576
12. 갱신형 치석제거(스케일링)치료비 (예약)보장 추가특별약관 1576
13. 갱신형 치아촬영비(X-ray 및 파노라마)보장 추가특별약관·· 1580
14. 갱신형 치아촬영비(X-ray 및 파노라마)(예약)보장
추가특별약관 ······································································ 1580

15. 갱신형 발치치료비보장 추가특별약관 ···························· 1584
16. 갱신형 발치치료비(예약)보장 추가특별약관 ·················· 1584
17. 갱신형 치주질환수술 및 턱관절장애치료보장 추가특별약관· 1589
18. 갱신형 치주질환수술 및 턱관절장애치료(예약)보장
추가특별약관 ······································································ 1589
19. 갱신형 특정 임플란트 치조골 이식술 치료비
(영구치, 상해 및 질병) 보장 추가특별약관 ·················· 1594
20. 갱신형 특정 임플란트 치조골 이식술 치료비
(영구치, 상해 및 질병) (예약)보장 추가특별약관 ········ 1594
【별표1】보험금을 지급할 때의 적립이율 계산
(특별약관 제9조 제5항 및 제37조 제2항 관련) · 1600
【별표-치아1】치주질환 대상질병 분류표 ··························· 1601
【별표-치아2】턱관절장애 대상질병 분류표 ······················· 1602
기타 제도성 특별약관
출생전자녀가입 특별약관 ·················································· 1605
피보험자추가보장 특별약관 ················································ 1610
자동갱신 특별약관 ······························································· 1611
계약전환 특별약관 ····························································· 1615
특정 신체부위․질병 보장제한부 인수 특별약관 ··············· 1620
이륜자동차 운전중 상해 부보장 특별약관 ······················· 1623
사망보험금 양육연금전환 특별약관 ·································· 1626
전자서명 특별약관 ······························································· 1630
지정대리청구서비스 특별약관 ············································ 1632
보험료 자동납입 특별약관 ·················································· 1634
특별조건부(할증보험료법) 특별약관 ································· 1635
장애인전용보험전환 특별약관 ············································ 1637

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