1.1Quotation materials
1.Quotation form
To keep the correctness and integrality of the quotation form, please fulfil the form as per the requirement of insurance company; especially focus on the declaration of special problems and risks.
2.Claim experience and other history data
Normally you should supply the last three-years'history data if the business is transferred from other insurance company or if the history data is affordable. Detail data are preferred. It consists of the number of death and disability (including the ratio), the number of injury, in-hosiptal and outpatient (including the ratio), and the causes.
3.Salary certificate
If the Sum insured is the multiples of the Basic Monthly Salary, the salary certificate of the covered person should be provided. To keep the privacy of individual, it could be a sealed letter or electron file with encrpytion techniques.
4.Hard copy of building project contract, etc.
If the covered persons are the builders and want to take up the Accidental Death and Dismemberment, the following materials should be provided, the project introduction, the project cost sheet, building areas, the number of construction workers, construction capability, etc.
5.Certificate of Special problems
Cause the specially circumstance which should make additional declaration, the valid certificates stampped with the common seal of the relating institutions are needed.
6.Others
If any, please accomplish as per the requirement of the underwriter and fill in by principles of the insurance company.

1.2 Application Materials (Provided by Policyholder)
1.Application Form
Please fill in by principles of the insurance company.
2.Covered Person List
Please fill in by principles of the insurance company.
3.DOH (Delaration of Health)
Please fill in by principles of the insurance company.
4.Ohers
If any, please accomplish as per the requirement of the underwriter and fill in by principles of the insurance company.

2 General Rules of insurance application

2.1 Eligibility Groups
Government and business and other legal groups, except those temporary groups whose existing are only for insurance purpose.

2.2 Eligibility of Insured
The relationship of insureds and policeholder is legal and insurable. We will not accept the insurance application of partime employees.
To be eligible, Insureds must be actively at work and employees in hospital cannot be covered.
The income of insureds is stable.

2.3 Eligibility of Dependents
Insureds' spouse and children can apply for the insurance.
Dependents should reside in local area for above half a year. As a result of accidental injury or disease, which occurs, while the plicy is in force, the covered dependences shall be necessarily confined within the appointed or admissive hospital. And the Policy issued place should be the main resident location of the covered dependences.
There are at least 100% of the eligible dependents must enroll in non-contribution plan. And at least 75% of the eligible dependents must enroll in contribution plan.
Acceptable spouses' age is from 20 to 60 years old. Acceptable children' age is from 0(30 days and not in hospital) to 17 years old. If the child do not marry and work, Acceptable children' age is up to 23 years old.
Percentage of Dependents whose ages exceed 55 years old is less than 15%.
The sum insured of dependents should not exceed 50% of the insureds'. And the totoal amount could not exceed the amount of the Insured. And spouse's maximum sum insured of life insurance (including AD&D or GPA) is RMB 300,000. And the children's maximum sum insured is RMB 100,000 in Beijing, Shanghai, Guangzhou, Shenzhen city and RMB 50,000 in other cities.
If the insured's coverage is terminated, the dependents' coverage will be terminated simultaneously.

2.4 Size of Group
The group size requirement of life insurance scheme
1st、2nd 、3rd class occupation industry: at least 8 persons,
4th class occupation industry: at least 20 persons
The group size requirement of health insurance scheme: at least 8 persons

2.5 Location
If expatriates including those from Hongkong and Macao and Taiwan apply for health insurance, they should have been in China Mainland for half a year. We will not only reimburse reasonable and necessary payment of their health benefit when they accept the treatment in China Mainland.
If the insureds go abroad within half a year, they could only apply for the AD&D or PA and Accidental medical insurance, and could not apply for Hospital benefits.

2.6 Division of the group classes
Defination of classes should be reasonalble. There are 5 modes for reference:
A、all member in one class
B、divide the classes by position
C、divide the classes by salary
D、divide the classes by occupation
E、other(example: by service period, etc)
All insureds should join the scheme in one defination of classes。
In the same class, the sum insured or premium of the covered person should be the same.
Policyholder could only definite one class. Generally there are less than 5 classes in one scheme.
Sum insured of the covered persons with lower risk shouldn't exceed the sum insured of covered persons with higher risk in the scheme. The maximum of the sum insured is not exceeding the 10 times of the minimum sum insured on average in the scheme.

2.7 Take up rate:
There are at least 100% of the eligible employees of the group must enroll in non-contribution plan.
There are at least 75% of the eligible employees of the group must enroll in contribution plan.
There are at least 100% of the eligible dependents must enroll in non-contribution plan. There are at least 75% of the eligible dependents must enroll in contribution plan.

2.8 Beneficiary
Persons who were designated as beneficiary for the policy's death benefit should obtain the written permission of the insured. In default of statement, we will accept heritors of the insured as legal beneficiaries