被保险人已年满18周岁，申请生存金需被保险人本人带身份证、保单申请。

The insured is at least 18 years old. He should apply for the survival benefit in person, with his identity card and policy.

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申请人为被保险人指定的受益人或其监护人。

The applicant should be the beneficiary appointed by the Insured or the Insured's legal guardian.

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被保险人申请住院或意外门急诊医疗赔偿时，应在三个月内提出索赔，否则，可能会带来的不利法律后果由被保险人自行承担。

The insured should apply with in-patient or out-patient and emergency medical benefits within 3 months, or possible result in low shall be undertaken by the insured.

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