무배당 프로미라이프

참좋은 행복플러스+종합보험2007

무배당 프로미라이프 참좋은 행복플러스+종합보험2007

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목차

자주 발생하는 민원 예시 ··········································································· 15

신용정보 제공·활용에 대한 고객 권리 안내문 ········································· 17

가입자 유의사항 ·························································································· 19

주요내용 요약서 ·························································································· 21

보험금 청구시 준비하셔야 할 서류 ··························································· 23

프로미라이프 용어사전 ··············································································· 29

프로미라이프 지식백과 ··············································································· 32

제1관 목적 및 용어의 정의 ········································································ 361. (목적) ····································································································· 362. (용어의 정의) ·························································································· 36

제2관 보험금의 지급 ··················································································· 373. (보험금의 지급사유) ················································································· 374. (보험금 지급에 관한 세부규정) ································································ 375. (보험금을 지급하지 않는 사유) ································································ 386. (보험금 지급사유의 통지) ········································································· 397. (보험금의 청구) ······················································································· 398. (보험금의 지급절차) ················································································· 399. (적립환급금 및 만기환급금의 지급) ·························································· 39

9-1. 1종(세만기-고급형(납면적용형)), 2종(세만기-실속형(납면미적용형)) : (적립환급금의 지급) ····································································· 39

9-2. 1종(세만기-고급형(납면적용형)), 2종(세만기-실속형(납면미적용형)) : (적립환급금의 지급시기 지정 및 변경) ·········································· 40

9-3. 3종(갱신형-고급형(납면적용형)), 4종(갱신형-실속형(납면미적용형)) : (만기환급금의 지급) ····································································· 40

10. (보험금 받는 방법의 변경) ····································································· 4111. (주소변경통지) ······················································································· 4112. (보험수익자의 지정) ··············································································· 4113. (대표자의 지정) ····················································································· 41

제3관 계약자의 계약 전 알릴 의무 등 ······················································ 4214. (계약 전 알릴 의무) ·············································································· 4215. (계약 후 알릴 의무) ·············································································· 4216. (알릴 의무 위반의 효과) ········································································ 4317. (사기에 의한 계약) ················································································ 44

제4관 보험계약의 성립과 유지 ··································································· 4418. (보험계약의 성립) ·················································································· 4419. (청약의 철회) ························································································ 4520. (약관교부 및 설명의무 등) ····································································· 4521. (계약의 무효) ························································································ 4622. (계약내용의 변경 등) ············································································· 4723. (보험나이 등) ························································································ 4724. (계약의 소멸) ························································································ 48

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제5관 보험료의 납입 ··················································································· 4825. (제1회 보험료 및 회사의 보장개시) ························································ 4826. (제2회 이후 보험료의 납입) ··································································· 49

26-1. (보험료 납입면제) (1종, 5종, 7종, 9종(세만기-고급형(납면적용형)) 및 3종(갱신형-고급형(납면적용형)) 限) ············································· 49

27. (보험료의 자동대출납입) ········································································ 4928. (보험료의 납입이 연체되는 경우 납입최고(독촉)와 계약의 해지) ············· 5029. (보험료의 납입을 연체하여 해지된 계약의 부활(효력회복)) ······················ 5030. (강제집행 등으로 인한 해지계약의 특별부활(효력회복)) ·························· 51

제6관 계약의 해지 및 해지환급금 등 ························································ 5131. (계약자의 임의해지 및 피보험자의 서면동의 철회) ·································· 5132. (중대사유로 인한 해지) ·········································································· 5133. (회사의 파산선고와 해지) ······································································ 5234. (해지환급금) ·························································································· 52

(1종, 2종, 3종, 4종 - 해지환급금 표준형) ············································ 52(5종, 6종 - 해지환급금 저지급형(납입중5%체증)) ································· 52(7종, 8종 - 해지환급금 미지급형(납입후5%체증)) ································· 53(9종, 10종 - 해지환급금 미지급형(전기간)) ··········································· 54

35. (공시이율의 적용 및 공시) ····································································· 5536. (중도인출금)(1종, 2종, 3종, 4종限) ······················································· 5537. (보험계약대출) ······················································································· 5538. (배당금의 지급) ····················································································· 55

제7관 보험계약의 자동갱신 등 ··································································· 5539. (적용범위) ····························································································· 5540. (보험기간 및 자동갱신) ········································································ 5541. (갱신계약 제1회 보험료의 납입이 연체되는 경우 납입최고(독촉)와

계약의 해지) ························································································ 5642. (자동갱신 적용) ····················································································· 56

제8관 분쟁조정 등 ······················································································ 5643. (분쟁의 조정) ························································································ 5644. (관할법원) ····························································································· 5645. (소멸시효) ····························································································· 5646. (약관의 해석) ························································································ 56

47. (회사가 제작한 보험안내자료 등의 효력) ················································ 5648. (회사의 손해배상책임) ··········································································· 5649. (개인정보보호) ······················································································· 5750. (준거법) ································································································ 5751. (예금보험에 의한 지급보장) ··································································· 57

특별약관제1장 상해관련

1. 상해사망(비갱신형/갱신형) 특별약관 ························································· 602. 상해80%이상후유장해(1회한)(비갱신형/갱신형) 특별약관 ·························· 613. 상해80%이상후유장해생활자금(1회한)(매월5년간지급)(비갱신형) 특별약관 624. 상해50%이상후유장해(1회한)(비갱신형/갱신형) 특별약관 ·························· 635. 상해후유장해(3~100%)(비갱신형/갱신형) 특별약관 ·································· 646. 상해입원일당(1일이상180일한도)(비갱신형/갱신형) 특별약관 ····················· 657. 상해중환자실입원일당(1일이상180일한도)(비갱신형/갱신형) 특별약관 ········ 668. 상해입원일당(1일이상10일한도)(비갱신형/갱신형) 특별약관 ······················· 689. 상급종합병원 상해입원일당(1일이상180일한도)(비갱신형/갱신형) 특별약관 6910. 종합병원 상해입원일당(1일이상180일한도)(비갱신형/갱신형) 특별약관 ···· 7111. 상해수술비(동일사고당 1회지급)(비갱신형/갱신형) 특별약관 ···················· 7412. 상해1~5종수술비Ⅱ(동일사고당 1회지급)(비갱신형/갱신형) 특별약관 ······· 7513. 상해입원·통원수술비(동일사고당 1회지급)(비갱신형/갱신형) 특별약관 ······ 7714. 상해흉터복원수술비(비갱신형/갱신형) 특별약관 ······································· 7815. 중대한 특정상해수술비(1회지급)(비갱신형/갱신형) 특별약관 ···················· 7916. 척추상해수술비(관혈/비관혈)

(연간1회한, 동일사고당 1회지급)(비갱신형/갱신형) 특별약관 ··················· 8117. 골절진단비(치아제외)(비갱신형/갱신형) 특별약관 ····································· 8318. 골절진단비(치아포함)(비갱신형/갱신형) 특별약관 ····································· 8419. 5대골절진단비(비갱신형/갱신형) 특별약관 ··············································· 8420. 척추골절진단비(비갱신형/갱신형) 특별약관 ············································· 8521. 안면·두개골 특정골절진단비(비갱신형/갱신형) 특별약관 ··························· 8622. 특정상해수술비(머리,목)(동일사고당 1회지급)(갱신형) 특별약관 ··············· 8623. 골절수술비(동일사고당 1회지급)(비갱신형/갱신형) 특별약관 ···················· 8824. 화상진단비(비갱신형/갱신형) 특별약관 ···················································· 8925. 화상수술비(동일사고당 1회지급)(비갱신형/갱신형) 특별약관 ···················· 8926. 중대한 화상 및 부식진단비(비갱신형/갱신형) 특별약관 ···························· 9127. 탈구염좌및과긴장수술비(동일사고당 1회지급)(비갱신형/갱신형) 특별약관 · 9228. 자동차부상치료비Ⅱ 특별약관 ································································· 93

무배당 프로미라이프 참좋은 행복플러스+종합보험2007

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28-1. 운전자 자동차부상치료비Ⅱ(비갱신형/갱신형) 특별약관 ················· 9328-2. 비운전자 자동차부상치료비Ⅱ(비갱신형/갱신형) 특별약관 ·············· 94

29. 자동차부상치료비Ⅲ 특별약관 ································································· 9629-1. 운전자 자동차부상치료비Ⅲ(비갱신형/갱신형) 특별약관 ················· 9629-2. 비운전자 자동차부상치료비Ⅲ(비갱신형/갱신형) 특별약관 ·············· 97

30. 자동차부상치료비(1~3급)(비갱신형) 특별약관 ········································· 9830-1. 운전자 자동차부상치료비(1~3급)(비갱신형) 특별약관 ··················· 9830-2. 비운전자 자동차부상치료비(1~3급)(비갱신형) 특별약관 ················ 99

31. 자동차부상치료비(4~11급)(비갱신형) 특별약관 ····································· 10131-1. 운전자 자동차부상치료비(4~11급)(비갱신형) 특별약관 ··············· 10131-2. 비운전자 자동차부상치료비(4~11급)(비갱신형) 특별약관 ············ 102

32. 가족동승 자동차부상치료비Ⅰ(자가용운전자용, 최대5인)(비갱신형/갱신형) 특별약관 ·································································· 103

33. 가족동승 자동차부상치료비Ⅱ(1-11급, 자가용운전자용, 최대5인)(비갱신형/갱신형) 특별약관 ·································································· 105

34. 자동차사고성형수술비(동일사고당 1회지급)(비갱신형/갱신형) 특별약관 ·· 10835. 자동차사고치아보철지원금(비갱신형/갱신형) 특별약관 ··························· 10936. 강력범죄피해보험금(비갱신형/갱신형) 특별약관 ····································· 11137. 교통상해사망 특별약관 ········································································· 112

37-1. 운전자 교통상해사망(비갱신형/갱신형) 특별약관 ························ 11237-2. 비운전자 교통상해사망(비갱신형/갱신형) 특별약관 ····················· 113

38. 교통사고피해사망보험금(중대법규위반,뺑소니포함) (비갱신형/갱신형) 특별약관 ·································································· 115

38-1. 운전자 교통사고피해사망보험금(중대법규위반,뺑소니포함)(비갱신형/갱신형) 특별약관 ······················································· 115

38-2. 비운전자 교통사고피해사망보험금(중대법규위반,뺑소니포함)(비갱신형/갱신형) 특별약관 ······················································· 117

39. 교통사고피해부상(6주이상)치료지원금(중대법규위반,뺑소니포함) 특별약관11939-1. 운전자 교통사고피해부상(6주이상)치료지원금

(중대법규위반,뺑소니포함)(비갱신형/갱신형) 특별약관 ················ 11939-2. 비운전자 교통사고피해부상(6주이상)치료지원금

(중대법규위반,뺑소니포함)(비갱신형/갱신형) 특별약관 ················ 120

제2장 질병관련 ·························································································· 1231. 질병사망(비갱신형/갱신형) 특별약관 ······················································· 1242. 질병사망(암,뇌혈관질환,허혈심장질환사망 추가보장)

(비갱신형/갱신형) 특별약관 ···································································· 124

3. 질병80%이상후유장해(1회한)(비갱신형/갱신형) 특별약관 ························ 1274. 질병50%이상후유장해(1회한)(비갱신형/갱신형) 특별약관 ························ 1285. 질병후유장해(3~100%)(비갱신형/갱신형) 특별약관 ································ 1296. 질병후유장해(20~100%)(비갱신형/갱신형) 특별약관 ······························ 1317. 질병입원일당(1일이상180일한도)(비갱신형/갱신형) 특별약관 ··················· 1328. 질병중환자실입원일당(1일이상180일한도)(비갱신형/갱신형) 특별약관 ······ 1339. 질병입원일당(1일이상10일한도)(비갱신형/갱신형) 특별약관 ····················· 13510. 상급종합병원 질병입원일당(1일이상180일한도)(비갱신형/갱신형) 특별약관 13711. 종합병원 질병입원일당(1일이상180일한도)(비갱신형/갱신형) 특별약관 · · 13912. 질병수술비(매회지급)(비갱신형/갱신형) 특별약관 ··································· 14213. 질병1~5종수술비(매회지급)(비갱신형/갱신형) 특별약관 ························· 14514. 질병수술비(동일질병당 1회지급)(비갱신형/갱신형) 특별약관 ·················· 14815. 질병수술비(특정다빈도3대질병제외)(동일질병당 1회지급)

(비갱신형/갱신형) 특별약관 ·································································· 15016. 질병1~5종수술비Ⅱ(동일질병당 1회지급)(비갱신형/갱신형) 특별약관 ····· 15117. 질병입원·통원수술비(동일질병당 1회지급)(비갱신형/갱신형) 특별약관 ···· 15418. 13대질병수술비(관혈/비관혈)(비갱신형/갱신형) 특별약관 ······················· 15619. 특정 다빈도 3대질병수술비(관혈/비관혈)(비갱신형/갱신형) 특별약관 ······ 15820. 106대질병수술비(비갱신형/갱신형) 특별약관 ········································ 16021. 암진단비Ⅱ(유사암 제외)(비갱신형/갱신형) 특별약관 ······························ 16322. 유사암진단비Ⅱ(비갱신형/갱신형) 특별약관 ··········································· 16423. 암진단비Ⅱ(소액암제외)(비갱신형/갱신형) 특별약관 ······························· 16524. 암수술비(유사암제외)(비갱신형/갱신형) 특별약관 ··································· 16725. 암수술비(유사암제외)(1회지급)(비갱신형/갱신형) 특별약관 ····················· 16926. 유사암수술비(비갱신형/갱신형) 특별약관 ··············································· 17027. 항암방사선·약물치료비(비갱신형/갱신형) 특별약관 ································· 17228. 계속받는항암방사선·약물치료비(급여,연간1회한)(비갱신형/갱신형) 특별약관 17429. 암직접치료입원일당(요양병원제외)(1일이상180일한도)

(비갱신형/갱신형) 특별약관 ·································································· 17630. 암입원일당(요양병원)(1일이상90일한도)(비갱신형/갱신형) 특별약관 ······· 17931. 암입원일당(요양병원)(1일이상60일한도)(비갱신형/갱신형) 특별약관 ······· 18232. 11대특정암진단비(비갱신형/갱신형) 특별약관 ······································· 18533-1. 남성생식기관련(전립선,음경,고환)암진단비(비갱신형/갱신형) 특별약관 · 18633-2. 여성생식기관련(자궁,난소,외음,질,태반)암진단비

(비갱신형/갱신형) 특별약관 ······························································ 18834. 고액치료비암진단비(비갱신형/갱신형) 특별약관 ····································· 18935. 갑상선암진단비(비갱신형/갱신형) 특별약관 ··········································· 190

6

36. 갑상선암(초기제외)진단비(비갱신형/갱신형) 특별약관 ···························· 19237. 유방암진단비(비갱신형/갱신형) 특별약관 ··············································· 19338. 위암진단비(비갱신형/갱신형) 특별약관 ·················································· 19539. 폐암진단비(비갱신형/갱신형) 특별약관 ·················································· 19640. 간,담낭·담도,췌장암진단비(비갱신형/갱신형) 특별약관 ···························· 19841. 비뇨기관(신장,방광,요관)암진단비(비갱신형/갱신형) 특별약관 ················· 19942. 대장,소장,항문암진단비(비갱신형/갱신형) 특별약관 ································ 20143. 단계별암진단비Ⅱ(갱신형) 특별약관 ······················································ 20244. 계속받는암진단비(유사암, 대장점막내암 및 전립선암 제외)

(비갱신형/갱신형) 특별약관 ·································································· 20545. 갑상선기능항진증치료비(비갱신형/갱신형) 특별약관 ······························· 21146. 위·십이지장,대장 양성신생물(폴립포함)진단비

(연간1회한)(비갱신형/갱신형) 특별약관 ················································ 21247. 특정5대기관 양성신생물(폴립포함)수술비

(급여,연간1회한)(비갱신형/갱신형) 특별약관 ········································· 21348. 뇌혈관질환진단비(비갱신형/갱신형) 특별약관 ········································ 21549. 주요뇌혈관질환진단비(비갱신형/갱신형) 특별약관 ·································· 21650. 뇌졸중진단비(비갱신형/갱신형) 특별약관 ··············································· 21851. 뇌출혈진단비(비갱신형/갱신형) 특별약관 ··············································· 21952. 뇌혈관질환수술비(비갱신형/갱신형) 특별약관 ········································ 22053. 뇌출혈수술비(비갱신형/갱신형) 특별약관 ··············································· 22154. 비파열대뇌동맥류수술비(갱신형) 특별약관 ············································· 22355. 뇌혈관질환입원일당(4일이상120일한도)(비갱신형/갱신형) 특별약관 ······· 22456. 양성뇌종양진단비(비갱신형/갱신형) 특별약관 ········································ 22657. 양성뇌종양수술비(경계성종양 제외)(갱신형) 특별약관 ···························· 22758. 허혈심장질환진단비(비갱신형/갱신형) 특별약관 ····································· 22859. 주요허혈심장질환진단비(비갱신형/갱신형) 특별약관 ······························· 22960. 급성심근경색증진단비(비갱신형/갱신형) 특별약관 ·································· 23061. 허혈심장질환수술비(비갱신형/갱신형) 특별약관 ····································· 23162. 급성심근경색증수술비(비갱신형/갱신형) 특별약관 ·································· 23363. 허혈심장질환입원일당(4일이상120일한도)(비갱신형/갱신형) 특별약관 ···· 23464. 혈전용해치료비(1회한)(비갱신형/갱신형) 특별약관 ································· 23665. 암진단비Ⅱ(유사암제외)(10년후2배체증)(비갱신형) 특별약관 ·················· 23766. 유사암진단비Ⅱ(10년후2배체증)(비갱신형) 특별약관 ······························ 23867. 뇌졸중진단비(10년후2배체증)(비갱신형) 특별약관 ································· 23968. 급성심근경색증진단비(10년후2배체증)(비갱신형) 특별약관 ···················· 24069. 암진단비Ⅱ(유사암제외)(10년후3배체증)(비갱신형) 특별약관 ·················· 241

70. 유사암진단비Ⅱ(10년후3배체증)(비갱신형) 특별약관 ······························ 24271. 뇌졸중진단비(10년후3배체증)(비갱신형) 특별약관 ································· 24472. 급성심근경색증진단비(10년후3배체증)(비갱신형) 특별약관 ···················· 24573. 암진단비Ⅱ(유사암 제외)(질병사망 보장형) 특별약관 ····························· 24674. 허혈심장질환진단비(질병사망 보장형)(비갱신형) 특별약관 ····················· 24775. 뇌혈관질환진단비(질병사망 보장형)(비갱신형) 특별약관 ························· 24976. 3대질병(암,뇌졸중Ⅱ,급성심근경색증)진단비(비갱신형/갱신형) 특별약관 ·· 25077. 계속받는3대질병진단비(비갱신형/갱신형) 특별약관 ································ 25278. 특정류마티스관절염진단비(비갱신형/갱신형) 특별약관 ··························· 25979. 중대한 재생불량성빈혈진단비(비갱신형/갱신형) 특별약관 ······················· 26180. 만성당뇨합병증진단비(비갱신형/갱신형) 특별약관 ·································· 26281. 말기신부전증진단비(비갱신형/갱신형) 특별약관 ····································· 26382. 말기폐질환진단비(비갱신형/갱신형) 특별약관 ········································ 26483. 말기간경화진단비(비갱신형/갱신형) 특별약관 ········································ 26584. 만성신부전증(중기이상)진단비(비갱신형/갱신형) 특별약관 ······················ 26685. 만성호흡기질환진단비(비갱신형/갱신형) 특별약관 ·································· 26786. 만성간질환진단비(비갱신형/갱신형) 특별약관 ········································ 26887. 간질환(CP B등급이상)진단비(비갱신형/갱신형) 특별약관 ······················· 26988. 신장질환(CKD 3b기이상)진단비(비갱신형/갱신형) 특별약관 ··················· 27189. 호흡기질환(GOLD 3기이상)진단비(비갱신형/갱신형) 특별약관 ··············· 27290. 말기특정3대질환진단비(비갱신형) 특별약관 ··········································· 27391. 만성특정3대질환진단비(비갱신형) 특별약관 ··········································· 27592. 대상포진진단비(비갱신형/갱신형) 특별약관 ··········································· 27693. 대상포진눈병진단비(비갱신형/갱신형) 특별약관 ····································· 27794. 뇌전증진단비(비갱신형/갱신형) 특별약관 ··············································· 27895. 전립선비대증진단비(비갱신형/갱신형) 특별약관 ··································· 27996. 녹내장진단비(비갱신형/갱신형) 특별약관 ··············································· 28097. 특정망막질환진단비(비갱신형/갱신형) 특별약관 ····································· 28198. 심근병증진단비(비갱신형/갱신형) 특별약관 ··········································· 28299. 통풍진단비(비갱신형/갱신형) 특별약관 ·················································· 283100. 요로결석진단비(비갱신형/갱신형) 특별약관 ········································· 284101. 8대희귀난치성질환진단비(갱신형) 특별약관 ········································· 285102. 크론병진단비(비갱신형/갱신형) 특별약관 ············································· 287103. 다발성경화증진단비(비갱신형/갱신형) 특별약관 ··································· 288104. 결핵진단비(비갱신형/갱신형) 특별약관 ················································ 289105. 약제내성결핵(슈퍼결핵 포함)진단비(비갱신형/갱신형) 특별약관 ············ 290106. 당뇨병(당화혈색소 6.5% 이상)진단비(갱신형) 특별약관 ······················ 291

무배당 프로미라이프 참좋은 행복플러스+종합보험2007

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107. 당뇨병(당화혈색소 9.0% 이상)진단비(갱신형) 특별약관 ······················ 292108. 관상동맥성형수술비(PTCA)(1회지급)(비갱신형/갱신형) 특별약관 ·········· 294109. 관상동맥우회수술비(1회지급)(비갱신형/갱신형) 특별약관 ····················· 295110. 심장판막수술치료비(경피적수술포함)(갱신형) 특별약관 ························ 296111. 체내용 심박조율장치 매입술(삽입,교환)(갱신형) 특별약관 ···················· 297112. 대동맥류수술치료비(경피적수술포함)(갱신형) 특별약관 ························ 298113. 자궁적출수술비Ⅱ(1회지급)(비갱신형/갱신형) 특별약관 ························ 300114. 유방암으로 인한 유방수술비(비갱신형/갱신형) 특별약관 ······················ 301115. 남성특정비뇨기계질환수술비(비갱신형/갱신형) 특별약관 ······················ 303116. 조혈모세포이식수술비(1회지급)(비갱신형) 특별약관 ····························· 305117. 질병으로 인한 3대시각질환수술비(비갱신형/갱신형) 특별약관 ·············· 306118. 후각특정질환수술비(갱신형) 특별약관 ················································· 307119. 호흡기관련질병수술비(비갱신형/갱신형) 특별약관 ································ 309120. 충수염(맹장염)수술비(1회지급)(비갱신형/갱신형) 특별약관 ·················· 310121. 식중독입원일당(4일이상120일한도)(비갱신형/갱신형) 특별약관 ············ 311122. 개호유발특정질병수술비(비갱신형/갱신형) 특별약관 ····························· 312123. 특정전염병치료비(비갱신형/갱신형) 특별약관 ······································ 314124. 희귀난치성질환수술비(비갱신형/갱신형) 특별약관 ································ 314125. 척추질병수술비(관혈/비관혈)(연간1회한, 동일질병당 1회지급)

(비갱신형/갱신형) 특별약관 ································································ 316126. 이비인후과질환수술비(갱신형) 특별약관 ·············································· 318127. 7대기관수술비(1회한,관혈/비관혈)(비갱신형/갱신형) 특별약관 ············· 320128. 요실금수술비(급여)(연간1회한)(갱신형) 특별약관 ································ 322129. 여성특정질병(생식기질환,골다공증)수술비(갱신형) 특별약관 ················· 323130. 급성간염(A,B,C형)진단비(비갱신형/갱신형) 특별약관 ··························· 324131. 자궁내막증진단비(비갱신형/갱신형) 특별약관 ······································ 326132. 다빈치로봇 특정수술비(연간1회한)(갱신형) 특별약관 ··························· 327

제3장 질병 및 상해관련 ··········································································· 3291. 보험료납입면제대상보장(8대사유) 특별약관 ············································· 3302. 신깁스치료비(상해 및 질병)(비갱신형/갱신형) 특별약관 ··························· 3333. 5대장기이식수술비(1회지급)(비갱신형) 특별약관 ····································· 3344. 각막이식수술비(1회지급)(비갱신형) 특별약관 ·········································· 3355. 응급실내원보험금(비갱신형/갱신형) 특별약관 ·········································· 3366. 응급실내원보험금(연간 12회한)(비갱신형/갱신형) 특별약관 ····················· 3387. 깁스치료비(상해 및 질병)(비갱신형/갱신형) 특별약관 ······························ 3408. 유방절제수술비(1회지급)(비갱신형/갱신형) 특별약관 ······························· 341

9. 관절증(엉덩,무릎)수술비(이차성 및 상세불명제외)(비갱신형/갱신형) 특별약관 34210. 인공관절치환수술비(연간1회한)(비갱신형/갱신형) 특별약관 ···················· 34311. 주요한방외래치료비(연간 20회한도, 1일1회 제한)(갱신형) 특별약관 ······ 34412. 장기간병요양진단비(1등급)(비갱신형) 특별약관 ····································· 34813. 장기간병요양진단비(1~2등급)(비갱신형) 특별약관 ································· 35014. 장기간병요양진단비(1~3등급)(비갱신형) 특별약관 ································· 35215. 장기간병요양진단비(1~4등급)(비갱신형) 특별약관 ································· 35416. 장기간병요양진단비(1~5등급)(비갱신형) 특별약관 ································· 35617. 간절제수술비(간엽이상)(갱신형) 특별약관 ············································· 35818. 신장적출수술비(갱신형) 특별약관 ························································· 35919. 폐완전절제수술비(갱신형) 특별약관 ······················································ 36020. 보험료납입지원Ⅱ(3대질병진단, 80%이상후유장해시)(갱신형) 특별약관 · 36121. 경증이상치매진단비(비갱신형) 특별약관 ················································ 36322. 중증치매진단비(비갱신형) 특별약관 ······················································ 36623. 추간판탈출증수술비(비갱신형/갱신형) 특별약관 ····································· 36824. 등급별 골절 및 특정외상진단비Ⅰ(1~6급, 연간1회한)

(비갱신형/갱신형) 특별약관 ·································································· 36925. 등급별 골절 및 특정외상진단비Ⅱ(1~6급, 연간1회한)

(비갱신형/갱신형) 특별약관 ································································ 37126. 등급별 골절 및 특정외상수술비Ⅰ(1~6급, 연간1회한)

(동일사고당1회지급)(비갱신형/갱신형) 특별약관 ···································· 37427. 등급별 골절 및 특정외상수술비Ⅱ(1~6급, 연간1회한)

(동일사고당1회지급)(비갱신형/갱신형) 특별약관 ···································· 37628. 장루(인공항문)조성수술비(급여)(비갱신형/갱신형) 특별약관 ··················· 37929. 기관절개수술비(급여)(비갱신형/갱신형) 특별약관 ··································· 380

제4장 비용손해 관련1. 자동차사고 벌금Ⅱ(실손)(비갱신형/갱신형) 특별약관 ································ 3842. 자동차사고 벌금(어린이보호구역사고)(2천만원초과1천만원한도)

(실손)(비갱신형/갱신형) 특별약관 ··························································· 3863. 자동차사고 변호사선임비용Ⅲ(실손)(비갱신형/갱신형) 특별약관 ················ 3884. 교통사고처리지원금Ⅴ(실손)(비갱신형/갱신형) 특별약관 ··························· 390

4-1. 자가용운전자 교통사고처리지원금Ⅴ(실손)(비갱신형/갱신형) 특별약관3904-2. 영업용운전자 교통사고처리지원금Ⅴ(실손)(비갱신형/갱신형) 특별약관393

5. 교통사고처리지원금(중대법규위반,6주미만)(실손)(비갱신형/갱신형) 특별약관 3965-1. 자가용운전자 교통사고처리지원금(중대법규위반,6주미만)

(실손)(비갱신형/갱신형) 특별약관 ·················································· 396

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5-2. 영업용운전자 교통사고처리지원금(중대법규위반,6주미만)(실손)(비갱신형/갱신형) 특별약관 ·················································· 398

6. 면허정지일당Ⅱ(영업용)(비갱신형/갱신형) 특별약관 ································· 4017. 면허취소보험금(영업용)(비갱신형/갱신형) 특별약관 ································· 4028. (가족)과실치사상벌금(실손)(비갱신형/갱신형) 특별약관 ···························· 4039. 업무상과실·중과실치사상벌금(실손,형법제268조 관련)

(비갱신형/갱신형) 특별약관 ···································································· 40510. 화재벌금(실손)(비갱신형/갱신형) 특별약관 ············································ 40711. 의료사고법률비용(실손)(비갱신형/갱신형) 특별약관 ······························· 40812. 민사소송법률비용손해(실손)(갱신형) 특별약관 ······································· 40913. 행정소송법률비용손해(실손)(갱신형) 특별약관 ······································· 41414. 가족화재벌금(실손)(비갱신형/갱신형) 특별약관 ······································ 41915. 보복운전피해위로금(비갱신형/갱신형) 특별약관 ····································· 42016. 보복운전피해(인적물적)위로금(비갱신형/갱신형) 특별약관 ······················ 42217. 자동차사고벌금(대물,실손)(비갱신형/갱신형) 특별약관 ··························· 423

제5장 배상책임관련 특별약관1. 가족일상생활배상책임Ⅱ(실손)(갱신형) 특별약관 ······································ 428

제6장 무배당 프로미라이프 행복플러스 간병인지원입원일당(1일이상180일한도)(갱신형) 특별약관 ·········· 436

1. 간병인지원 상해입원일당(1일이상180일한도)(갱신형) 특별약관 ··············· 4452. 상해입원일당(1일이상180일한도)(전환용)(갱신형) 특별약관 ····················· 4473. 간병인지원 질병입원일당(1일이상180일한도)(갱신형) 특별약관 ··············· 4484. 질병입원일당(1일이상180일한도)(전환용)(갱신형) 특별약관 ····················· 451

제7장 무배당 프로미라이프 행복플러스 가족일상생활배상책임Ⅱ(실손)(갱신형) 특별약관

1. 가족일상생활배상책임Ⅱ(실손)(갱신형) 특별약관 ······································ 466

제도성 특별약관1. 이륜자동차 운전중상해 부담보 특별약관 ················································· 4742. 보험료 자동납입 특별약관 ······································································ 4753. 선지급 서비스 특별약관 ········································································· 4754. 특정 신체부위․질병 보장제한부 인수 특별약관 ········································ 4775. 특별조건부(표준하체 인수) 특별약관 ······················································· 478

6. 지정대리청구서비스 특별약관 ································································· 4797. 전자서명 특별약관 ················································································· 4808. 갱신형 계약 자동갱신 특별약관 ······························································ 4809. 장애인전용보험전환 특별약관 ································································· 48110. 무사고 기가입고객 제도 특별약관 ························································ 483

무배당 프로미라이프 참좋은 행복플러스+종합보험2007

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【별표1】 장해분류표 ························································································ 485【별표2】 5대골절 분류표 ················································································· 500【별표3】 골절(치아파절제외) 분류표 ································································· 500【별표4】 화상 분류표 ······················································································ 501【별표5】 중대한 특정상해 분류표 ····································································· 501【별표6】 자동차사고 부상등급표 ······································································ 502【별표7】 11대특정암 분류표 ············································································ 509【별표8-1】 악성신생물(암) 분류표(기타피부암 및 갑상선암 제외) ······················ 510【별표8-2】 기타피부암 및 갑상선암 분류표 ······················································ 510【별표8-3】 소액암 분류표 ················································································ 511【별표9】 제자리신생물 분류표 ·········································································· 511【별표10】 행동양식 불명 또는 미상의 신생물 분류표 ······································· 512【별표11-1】 남성생식기관련(전립선,음경,고환)암 분류표 ··································· 512【별표11-2】 여성생식기관련(자궁,난소,외음,질,태반)암 분류표 ··························· 513【별표12】 고액치료비암 분류표 ······································································· 513【별표13】 병기구분 불가암 분류표 ··································································· 514【별표14】 특정암 분류표 ················································································· 516【별표15】 뇌혈관질환 분류표 ··········································································· 517【별표16】 뇌졸중 분류표 ················································································· 517【별표17】 뇌출혈 분류표 ················································································· 517【별표18】 비파열대뇌동맥류 분류표 ································································· 518【별표19】 양성뇌종양(경계성종양 제외) 분류표 ················································ 518【별표20】 허혈심장질환 분류표 ······································································· 518【별표21】 급성심근경색증 분류표 ···································································· 519【별표22】 만성당뇨합병증 분류표 ···································································· 520【별표23】 말기폐질환 분류표 ··········································································· 521【별표24】 결핵 분류표 ···················································································· 521【별표25】 약제내성결핵(슈퍼결핵 포함) 분류표 ················································ 522【별표26】 1~5종수술 분류표 ··········································································· 522【별표27】 질병으로 인한 3대시각질환 분류표 ·················································· 526【별표28】 여성생식기암 분류표 ······································································· 527【별표29】 자궁적출수술의 분류표 ···································································· 527【별표30】 유방암으로 인한 유방수술 분류표 ···················································· 528【별표31】 남성특정비뇨기계질환 분류표 ··························································· 528【별표32】 희귀난치성질환 분류표 ···································································· 529【별표33】 녹내장 분류표 ················································································· 532【별표34】 위, 십이지장 또는 대장의 양성신생물(폴립포함) 분류표 ···················· 532

【별표35】 5대기관 양성신생물(폴립포함) 분류표 ·············································· 533【별표36】 5대기관 양성신생물(폴립포함) 수술(급여) 대상 수가코드 ·················· 533【별표37】 13대질병 분류표 ············································································· 534【별표38】 106대질병 분류표 ··········································································· 536【별표39】 특정다빈도 3대질병 분류표 ····························································· 542【별표40】 7대희귀난치성질환 분류표 ······························································· 543【별표41】 후각특정질환 분류표 ······································································· 543【별표42】 호흡기관련질병 분류표 ···································································· 544【별표43】 충수염(맹장염) 분류표 ····································································· 544【별표44】 식중독 분류표 ················································································· 545【별표45】 개호유발특정질병 분류표 ································································· 545【별표46】 특정상해(머리,목) 분류표 ································································· 546【별표47】 특정전염병 분류표 ··········································································· 547【별표48】 뇌전증 분류표 ················································································· 548【별표49】 유방절제수술 분류표 ······································································· 549【별표50】 관절증(엉덩,무릎) 분류표 ································································· 549【별표51】 통풍 분류표 ···················································································· 550【별표52】 전립선비대증 분류표 ······································································· 550【별표53】 당뇨병 분류표 ················································································· 551【별표54】 심근병증 분류표 ·············································································· 551【별표55】 안면·두개골 특정골절 분류표 ··························································· 552【별표56】 골절 분류표 ···················································································· 552【별표57】 척추골절 분류표 ·············································································· 553【별표58】 응급의료에 관한 법률 시행규칙 제2조(응급환자) ······························ 553【별표59】 척추상해 분류표 ·············································································· 554【별표60】 척추질병 분류표 ·············································································· 554【별표61】 간경변증 분류표 ·············································································· 555【별표62】 만성호흡기질환 분류표 ···································································· 556【별표63】 특정망막질환 분류표 ······································································· 556【별표64】 인공관절치환수술 대상질환 분류표 ··················································· 557【별표65-1】 소송목적의 값에 따른 변호사비용 ················································· 558【별표65-2】 민사소송 등 인지법」에서 정한 인지액 ··········································· 558【별표65-3】 「송달료규칙의 시행에 따른 업무처리요령」에서 정한 송달료

(민사소송법률비용손해) ································································ 558【별표66-1】 소송목적의 값에 따른 변호사비용 ················································· 558【별표66-2】 민사소송 등 인지법」에서 정한 인지액 ··········································· 559

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【별표66-3】 「송달료규칙의 시행에 따른 업무처리요령」에서 정한 송달료 (행정소송법률비용손해) ································································ 559

【별표67】 특정부위·질병 분류표 ······································································· 559【별표68】 보험금을 지급할 때의 적립이율 계산 ··············································· 561【별표69】 요로결석 분류표 ·············································································· 562【별표70】 탈구, 관절 및 인접근육의 염좌 및 과긴장 분류표 ···························· 562【별표71】 골절 및 특정외상 분류표 ································································· 563【별표72】 골절 및 특정외상 등급분류기준표 ···················································· 563【별표73】 1~5종수술(매회지급) 분류표 ···························································· 564【별표74】 주요이비인후과질환 분류표 ······························································ 569【별표75】 7대기관질병 분류표 ········································································· 569【별표76】 주요뇌혈관질환 분류표 ···································································· 571【별표77】 주요허혈심장질환 분류표 ································································· 571【별표78】 요실금 분류표 ················································································· 572【별표79】 요실금수술 대상 수가코드 ······························································· 572【별표80】 여성특정질병(생식기질환,골다공증) 분류표 ······································· 573【별표81】 추간판탈출증 분류표 ······································································· 573【별표82】 교통사고처리특례법 제3조 제2항 단서 ············································· 573【별표83】 갑상선암 분류표 ·············································································· 574【별표84】 유방암 분류표 ················································································· 575【별표85】 간경변증 분류표 ·············································································· 575【별표86】 대상포진 분류표 ·············································································· 576【별표87】 대상포진눈병 분류표 ······································································· 576【별표88】 뇌졸중Ⅱ 분류표 ·············································································· 576【별표89】 위암 분류표 ···················································································· 577【별표90】 폐암 분류표 ···················································································· 577【별표91】 간,담낭·담도,췌장암 분류표 ······························································ 577【별표92】 비뇨기관(신장,방광,요관)암 분류표 ··················································· 578【별표93】 대장,소장,항문암 분류표 ·································································· 578【별표94】 급성간염(A,B,C형) 분류표 ······························································· 579【별표95】 자궁내막증 분류표 ··········································································· 579【별표96】 장루(인공항문)조성술(급여) 대상 수가코드 ······································· 580【별표97】 기관절개술(급여) 대상 수가코드 ······················································· 580

참고. 약관에서 인용한 법규 ···································································· 581

무배당 프로미라이프 참좋은 행복플러스+종합보험2007

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가나다順 색인 (1~9)

106대질병수술비(비갱신형/갱신형) 특별약관 ··········································· 16011대특정암진단비(비갱신형/갱신형) 특별약관 ·········································· 18513대질병수술비(관혈/비관혈)(비갱신형/갱신형) 특별약관 ························· 1563대질병(암,뇌졸중Ⅱ,급성심근경색증)진단비(비갱신형/갱신형) 특별약관 ···· 2505대골절진단비(비갱신형/갱신형) 특별약관 ················································· 845대장기이식수술비(1회지급)(비갱신형) 특별약관 ····································· 3347대기관수술비(1회한,관혈/비관혈)(비갱신형/갱신형) 특별약관 ·················· 3208대희귀난치성질환진단비(갱신형) 특별약관 ············································· 285

(ㄱ)(가족)과실치사상벌금(실손)(비갱신형/갱신형) 특별약관 ···························· 403가족동승 자동차부상치료비Ⅰ(자가용운전자용, 최대5인)(비갱신형/갱신형) 특별약관 ···································································· 103가족동승 자동차부상치료비Ⅱ(1-11급, 자가용운전자용, 최대5인)(비갱신형/갱신형) 특별약관 ···································································· 105가족일상생활배상책임Ⅱ(실손)(갱신형) 특별약관 ······································ 428가족일상생활배상책임Ⅱ(실손)(갱신형) 특별약관 ······································ 466가족화재벌금(실손)(비갱신형/갱신형) 특별약관 ········································ 419각막이식수술비(1회지급)(비갱신형) 특별약관 ··········································· 335간,담낭·담도,췌장암진단비(비갱신형/갱신형) 특별약관 ······························ 198간병인지원 상해입원일당(1일이상180일한도)(갱신형) 특별약관 ················ 445간병인지원 질병입원일당(1일이상180일한도)(갱신형) 특별약관 ················ 448간절제수술비(간엽이상)(갱신형) 특별약관 ················································ 358간질환(CP B등급이상)진단비(비갱신형/갱신형) 특별약관 ·························· 269갑상선기능항진증치료비(비갱신형/갱신형) 특별약관 ································· 211갑상선암(초기제외)진단비(비갱신형/갱신형) 특별약관 ······························· 192갑상선암진단비(비갱신형/갱신형) 특별약관 ·············································· 190강력범죄피해보험금(비갱신형/갱신형) 특별약관 ······································· 111개호유발특정질병수술비(비갱신형/갱신형) 특별약관 ································· 312결핵진단비(비갱신형/갱신형) 특별약관 ···················································· 289경증이상치매진단비(비갱신형) 특별약관 ·················································· 363계속받는3대질병진단비(비갱신형/갱신형) 특별약관 ·································· 252계속받는암진단비(유사암, 대장점막내암 및 전립선암 제외)(비갱신형/갱신형) 특별약관 ···································································· 205

계속받는항암방사선·약물치료비(급여,연간1회한)(비갱신형/갱신형) 특별약관174고액치료비암진단비(비갱신형/갱신형) 특별약관 ······································· 189골절수술비(동일사고당 1회지급)(비갱신형/갱신형) 특별약관 ······················· 88골절진단비(치아제외)(비갱신형/갱신형) 특별약관 ······································· 83골절진단비(치아포함)(비갱신형/갱신형) 특별약관 ······································· 84관상동맥성형수술비(PTCA)(1회지급)(비갱신형/갱신형) 특별약관 ·············· 294관상동맥우회수술비(1회지급)(비갱신형/갱신형) 특별약관 ························· 295관절증(엉덩,무릎)수술비(이차성 및 상세불명제외)(비갱신형/갱신형) 특별약관 342교통사고처리지원금(중대법규위반,6주미만)(실손)(비갱신형/갱신형) 특별약관 · 396교통사고처리지원금Ⅴ(실손)(비갱신형/갱신형) 특별약관 ··························· 390교통사고피해부상(6주이상)치료지원금(중대법규위반,뺑소니포함) 특별약관 119교통사고피해사망보험금(중대법규위반,뺑소니포함)(비갱신형/갱신형) 특별약관 115교통상해사망 특별약관 ··········································································· 112급성간염(A,B,C형)진단비(비갱신형/갱신형) 특별약관 ······························· 324급성심근경색증수술비(비갱신형/갱신형) 특별약관 ···································· 233급성심근경색증진단비(10년후2배체증)(비갱신형) 특별약관 ······················· 240급성심근경색증진단비(10년후3배체증)(비갱신형) 특별약관 ······················· 245급성심근경색증진단비(비갱신형/갱신형) 특별약관 ···································· 230기관절개수술비(급여)(비갱신형/갱신형) 특별약관 ····································· 380깁스치료비(상해 및 질병)(비갱신형/갱신형) 특별약관 ······························ 340

(ㄴ)남성생식기관련(전립선,음경,고환)암진단비(비갱신형/갱신형) 특별약관 ······ 186남성특정비뇨기계질환수술비(비갱신형/갱신형) 특별약관 ··························· 303녹내장진단비(비갱신형/갱신형) 특별약관 ················································· 280뇌전증진단비(비갱신형/갱신형) 특별약관 ················································· 278뇌졸중진단비(10년후2배체증)(비갱신형) 특별약관 ··································· 239뇌졸중진단비(10년후3배체증)(비갱신형) 특별약관 ··································· 244뇌졸중진단비(비갱신형/갱신형) 특별약관 ················································· 218뇌출혈수술비(비갱신형/갱신형) 특별약관 ················································· 221뇌출혈진단비(비갱신형/갱신형) 특별약관 ················································· 219뇌혈관질환수술비(비갱신형/갱신형) 특별약관 ··········································· 220뇌혈관질환입원일당(4일이상120일한도)(비갱신형/갱신형) 특별약관 ·········· 224뇌혈관질환진단비(비갱신형/갱신형) 특별약관 ··········································· 215뇌혈관질환진단비(질병사망 보장형)(비갱신형) 특별약관 ··························· 249

12

(ㄷ)다발성경화증진단비(비갱신형/갱신형) 특별약관 ······································· 288다빈치로봇 특정수술비(연간1회한)(갱신형) 특별약관 ······························· 327단계별암진단비Ⅱ(갱신형) 특별약관 ························································· 202당뇨병(당화혈색소 6.5% 이상)진단비(갱신형) 특별약관 ·························· 291당뇨병(당화혈색소 9.0% 이상)진단비(갱신형) 특별약관 ·························· 292대동맥류수술치료비(경피적수술포함)(갱신형) 특별약관 ····························· 298대상포진눈병진단비(비갱신형/갱신형) 특별약관 ······································· 277대상포진진단비(비갱신형/갱신형) 특별약관 ·············································· 276대장,소장,항문암진단비(비갱신형/갱신형) 특별약관 ·································· 201등급별 골절 및 특정외상수술비Ⅰ(1~6급, 연간1회한)(동일사고당1회지급)(비갱신형/갱신형) 특별약관 ······································ 374등급별 골절 및 특정외상수술비Ⅱ(1~6급, 연간1회한)(동일사고당1회지급)(비갱신형/갱신형) 특별약관 ······································ 376등급별 골절 및 특정외상진단비Ⅰ(1~6급, 연간1회한)(비갱신형/갱신형) 특별약관 ···································································· 369등급별 골절 및 특정외상진단비Ⅱ(1~6급, 연간1회한)(비갱신형/갱신형) 특별약관 ···································································· 371

(ㅁ)만성간질환진단비(비갱신형/갱신형) 특별약관 ··········································· 268만성당뇨합병증진단비(비갱신형/갱신형) 특별약관 ···································· 262만성신부전증(중기이상)진단비(비갱신형/갱신형) 특별약관 ························ 266만성특정3대질환진단비(비갱신형) 특별약관 ············································· 275만성호흡기질환진단비(비갱신형/갱신형) 특별약관 ···································· 267말기간경화진단비(비갱신형/갱신형) 특별약관 ··········································· 265말기신부전증진단비(비갱신형/갱신형) 특별약관 ······································· 263말기특정3대질환진단비(비갱신형) 특별약관 ············································· 273말기폐질환진단비(비갱신형/갱신형) 특별약관 ··········································· 264면허정지일당Ⅱ(영업용)(비갱신형/갱신형) 특별약관 ·································· 401면허취소보험금(영업용)(비갱신형/갱신형) 특별약관 ·································· 402민사소송법률비용손해(실손)(갱신형) 특별약관 ········································· 409

(ㅂ)보복운전피해(인적물적)위로금(비갱신형/갱신형) 특별약관 ························ 422보복운전피해위로금(비갱신형/갱신형) 특별약관 ······································· 420보험료납입면제대상보장(8대사유) 특별약관 ············································· 330

보험료납입지원Ⅱ(3대질병진단, 80%이상후유장해시)(갱신형) 특별약관 ··· 361비뇨기관(신장,방광,요관)암진단비(비갱신형/갱신형) 특별약관 ··················· 199비운전자 교통사고피해부상(6주이상)치료지원금(중대법규위반,뺑소니포함)(비갱신형/갱신형) 특별약관 ······························ 120비운전자 교통사고피해사망보험금(중대법규위반,뺑소니포함)(비갱신형/갱신형) 특별약관 ······························ 117비운전자 교통상해사망(비갱신형/갱신형) 특별약관 ··································· 113비운전자 자동차부상치료비(1~3급)(비갱신형) 특별약관 ····························· 99비운전자 자동차부상치료비(4~11급)(비갱신형) 특별약관 ························· 102비운전자 자동차부상치료비Ⅱ(비갱신형/갱신형) 특별약관 ··························· 94비운전자 자동차부상치료비Ⅲ(비갱신형/갱신형) 특별약관 ··························· 97비파열대뇌동맥류수술비(갱신형) 특별약관 ··············································· 223

(ㅅ)상급종합병원 상해입원일당(1일이상180일한도)(비갱신형/갱신형) 특별약관 69상급종합병원 질병입원일당(1일이상180일한도)(비갱신형/갱신형) 특별약관 137상해1~5종수술비Ⅱ(동일사고당 1회지급)(비갱신형/갱신형) 특별약관 ·········· 75상해50%이상후유장해(1회한)(비갱신형/갱신형) 특별약관 ·························· 63상해80%이상후유장해(1회한)(비갱신형/갱신형) 특별약관 ·························· 61상해80%이상후유장해생활자금(1회한)(매월5년간지급)(비갱신형) 특별약관 62상해사망(비갱신형/갱신형) 특별약관 ························································· 60상해수술비(동일사고당 1회지급)(비갱신형/갱신형) 특별약관 ······················· 74상해입원·통원수술비(동일사고당 1회지급)(비갱신형/갱신형) 특별약관 ········· 77상해입원일당(1일이상10일한도)(비갱신형/갱신형) 특별약관 ······················· 68상해입원일당(1일이상180일한도)(비갱신형/갱신형) 특별약관 ····················· 65상해입원일당(1일이상180일한도)(전환용)(갱신형) 특별약관 ····················· 447상해중환자실입원일당(1일이상180일한도)(비갱신형/갱신형) 특별약관 ········· 66상해후유장해(3~100%)(비갱신형/갱신형) 특별약관 ·································· 64상해흉터복원수술비(비갱신형/갱신형) 특별약관 ·········································· 78식중독입원일당(4일이상120일한도)(비갱신형/갱신형) 특별약관 ················ 311신깁스치료비(상해 및 질병)(비갱신형/갱신형) 특별약관 ··························· 333신장적출�