| Notice by the China Banking and Insurance Regulatory Commission of Matters Concerning the Use of the Critical Illness Morbidity Table in the Chinese Personal Insurance Industry (2020) | | 中国银保监会关于使用《中国人身保险业重大疾病经验发生率表（2020）》有关事项的通知 |
| (No. 51 [2020] of the China Banking and Insurance Regulatory Commission) | | （银保监发〔2020〕51号） |
| All personal insurance companies: | | 各人身保险公司： |
| For the purposes of regulating the assessment of statutory liability reserves of critical illness insurance services and solidifying the basis for the pricing of critical illness insurance, the China Banking and Insurance Regulatory Commission (“CBIRC”) has decided to use the Critical Illness Morbidity Table in the Chinese Personal Insurance Industry (2020) (hereinafter referred to as the “2020 CI Table”) issued by the China Association of Actuaries when assessing the statutory liability reserves for personal insurance products that cover critical illness insurance liability and take it as the reference table for pricing. You are hereby notified of the relevant matters as follows: | | 为规范重大疾病保险业务法定责任准备金评估工作，夯实重大疾病保险定价基础，中国银保监会决定将中国精算师协会发布的《中国人身保险业重大疾病经验发生率表（2020）》（以下简称2020版重疾表）作为包含重大疾病保险责任的人身保险产品法定责任准备金评估用表及定价参考用表。现将有关事项通知如下： |
| I. Definitions of Critical Illnesses | | 一、重大疾病定义 |
| For the purposes of this Notice, the definitions of critical illnesses (including malignant tumor—serious) shall be governed, mutatis mutandis, by the provisions on the definition of critical illnesses issued by the Insurance Association of China and the Chinese Medical Doctor Association, including the Guidelines for the Use of Illness Definitions for Critical Illness Insurance (hereinafter referred to as the “2007 Definitions”) issued in 2007 and the Revised Guidelines for the Use of Illness Definitions for Critical Illness Insurance (hereinafter referred to as the “2020 Definitions”) issued in 2020. | | 本通知中重大疾病（含恶性肿瘤——重度）定义参照中国保险行业协会、中国医师协会发布的重大疾病定义的有关规定，包括2007年发布的《重大疾病保险的疾病定义使用规范》（以下简称2007版定义）和2020年发布的《重大疾病保险的疾病定义使用规范修订版》（以下简称2020版定义）。 |
| II. Scope of Application | | 二、适用范围 |
| This Notice shall apply to long-term personal insurance products covering critical illness insurance liability. “Critical illness insurance liability” means the liability for paying insurance benefits for critical illnesses that occur for the first time during the insurance period, and the illnesses covered shall meet the following conditions: | | 本通知适用于包含重大疾病保险责任的长期人身保险产品。重大疾病保险责任是指以保险期间内首次发生重大疾病为给付保险金条件的保险责任，其包含的病种应符合以下条件： |
| 1. For the personal insurance products granted recordation or approved by the CBIRC before August 1, 2007, the insured illnesses shall, at a minimum, include malignant tumor, acute myocardial infarction and sequelae of stroke set forth in the 2007 Definitions. | | 1.2007年8月1日之前在中国银保监会进行备案或审批的人身保险产品，承保病种至少包含2007版定义中的恶性肿瘤、急性心肌梗塞和脑中风后遗症。 |
| 2. For the products granted recordation or approved by the CBIRC after August 1, 2007 and before the date of issuance of this Notice, the insured illnesses shall, at a minimum, include malignant tumor, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass surgery (also known as coronary artery bypass grafting) and end-stage renal disease (also known as chronic renal failure and uremia) set forth in the 2007 Definitions. | | 2.2007年8月1日至本通知发布之日前在中国银保监会进行备案或审批的产品，承保病种至少包含2007版定义中的恶性肿瘤、急性心肌梗塞、脑中风后遗症、重大器官移植术或造血干细胞移植术、冠状动脉搭桥术（或称冠状动脉旁路移植术）和终末期肾病（或称慢性肾功能衰竭尿毒症期）。 |
| 3. For the products granted recordation or approved by the CBIRC after the date of issuance of this Notice, the insured illnesses shall, at a minimum, include malignant tumor—serious, acute and relatively acute myocardial infarction, severe sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass surgery (also known as coronary artery bypass grafting) and severe chronic renal failure set forth in the 2020 Definitions. | | 3.本通知发布之日起在中国银保监会进行备案或审批的产品，承保病种至少包含2020版定义中的恶性肿瘤——重度、较重急性心肌梗死、严重脑中风后遗症、重大器官移植术或造血干细胞移植术、冠状动脉搭桥术（或称冠状动脉旁路移植术）和严重慢性肾衰竭。 |
| 4. For the special products in the Guangdong-Hong Kong-Macao Greater Bay Area granted recordation or approved by the local CBIRC office in Guangdong or Shenzhen from the date of issuance of this Notice, the insured illnesses shall, at a minimum, include malignant tumor—serious, acute and relatively acute myocardial infarction, severe sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass surgery (also known as coronary artery bypass grafting) and severe chronic renal failure set forth in the 2020 Definitions. | | 4.本通知发布之日起在广东银保监局或深圳银保监局进行备案或审批的粤港澳大湾区专属产品，承保病种至少包含2020版定义中的恶性肿瘤——重度、较重急性心肌梗死、严重脑中风后遗症、重大器官移植术或造血干细胞移植术、冠状动脉搭桥术（或称冠状动脉旁路移植术）和严重慢性肾衰竭。 |
| The products meeting the aforesaid first or second condition are hereinafter referred to as “critical illness insurance set forth in the 2007 Definitions.” The products meeting the aforesaid third condition are hereinafter referred to as the “critical illness insurance set forth in the 2020 Definitions.” The products meeting the aforesaid fourth condition are hereinafter referred to as the “critical illness insurance in the Guangdong-Hong Kong-Macao Greater Bay Area set forth in the 2020 Definitions.” Illness insurance products granted recordation or approved by the CBIRC from the date of issuance of this Notice and only covering the critical illness of malignant tumor—serious set forth in the 2020 Definitions are hereinafter referred to as the “malignant tumor (serious) insurance” set forth in the 2020 Definitions. | | 满足以上第1个或第2个条件的产品以下简称2007版定义重疾险，满足以上第3个条件的产品以下简称2020版定义重疾险，满足以上第4个条件的产品以下简称2020版定义粤港澳大湾区专属重疾险。本通知发布之日起在中国银保监会进行备案或审批，且承保病种中重度疾病仅包含2020版定义中的恶性肿瘤——重度的疾病保险产品，以下简称2020版定义恶性肿瘤（重度）险。 |
III. Assessment of Statutory Liability Reserves
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