如果本人个人凭证上载明的投保日期晚于团体保险单上载明的团体保单生效日期，则本人仅需缴纳相应的未满期保费。
Prorata premium will be charged accordingly if the join date specified on my Personal Insurance Certificate is later than the scheme effective date of the Group Policy.
如果被保险人取消本保单，满期保费应依照常用的短期费率表和程序来计算。
If the Insured cancels, earned premiums shall be computed in accordance with the customary short rate table and procedure.
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