[한화손해보험] 한화손해보험 (p7-26)

한화손해보험
5
약관을 쉽게 이용할 수 있는
약관 요약서
이 요약서는 그림·도표·아이콘·삽화 등 시각화된 자료를 바탕으로 보험
상품 및 약관의 핵심내용을 알기 쉽게 작성한 것입니다.
보다 자세한 사항은 상품설명서 및 약관을 반드시 확인하시기 바랍니다.
이 요약서의 내용을 이해하지 못하고 보험에 가입할 경우 불이익을 받을
수 있으므로, 동 내용을 반드시 이해하시고 계약체결 여부를 결정하시기
바랍니다.

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한화손해보험
보험 가입을 감사드립니다!
보험계약을 청약할 때 보험약관 및 보험계약자 보관용 청약서를 받으셨나요?
아래의 내용을 다시 한번 확인해 보세요.
한화 100세 암치료보장보험 무배당 2601
보험회사명 한화손해보험
보험상품명 한화 100세 암치료보장보험 무배당 2601
보험의종목 장기손해보험 / 장기상해
상품의 주요특징
암진단비 뿐만 아니라 암으로 인한 수술, 입원, 항암치료 등 각종 위험을 든든하
게 보장해 드립니다. (해당특약 가입 시)
상품명으로 보는 상품의 특징
무배당 계약자에게 배당을 하지 않는 상품입니다.
암보험 암과 관련된 위험을 보장하는 상품입니다.
납입후50%해약환급금지급형 보험료 납입기간 중 계약이 해지될 경우 해약환
급금을 지급하지 않으며, 보험료 납입이 완료되고 납입기간이 종료된 이후 계약
이 해지될 경우“기본형”해약환급금의 50%에 해당하는 금액을 지급

한화손해보험
7
민원사례
A씨는 암보험 가입 후 2개월이 지나서 위암을 판정받아 보험회사에 암 진단비를 청구
보험회사는 보험가입 후 90일이 경과하지 않아 보험금 지급이 어려움을 안내
면책기간
감액지급
이 보험에는 보험금이 지급되지 않는 기간(면책기간)이 설정된 담보가 있을 수 있습니다.
이 보험에는 일정기간 보험금이 일부만 지급(감액지급)이되는 담보가 있을 수 있습니다.
[면책기간 적용 담보 예시]
※ 보험금 지급제한 조건에 대한 예시로 실제 가입하신 담보 또한 면책사항이 있을 수 있으니 세부내용
은 반드시 약관을 참조하시기 바랍니다.
※ 보험금 지급제한 조건에 대한 예시로 실제 가입하신 담보 또한 감액사항이 있을 수 있으니 세부내용
은 반드시 약관을 참조하시기 바랍니다.
[감액지급 적용 담보 예시]
구분
담보명
면책기간
암진단특약
암진단비
가입 후 90일간 보장 제외
치매진단특약
경도이상치매진단비
질병이 원인인 경우 가입 후 1년간 보장 제외
구분
담보명
감액 기간 및 비율
뇌혈관질환진단특약
뇌혈관질환진단비
가입 후 1년간 보험금 50% 지급
면책기간
보험금
미지급
감액지급
50%
[1년 이내]
보험금 지급제한사항
이 보험에는 면책기간, 감액지급, 보장한도 및 자기부담금 등 보험금 지급제한 조건이 부가되어
있습니다. 보다 자세한 사항은 상품설명서 및 약관을 참조하시기 바랍니다.

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한화손해보험
보장한도
이 보험에는 보험금 지급 한도가 설정된 담보가 있을 수 있습니다.
[보장한도 적용 담보 예시]
구분
담보명
지급한도
허헐성심장질환 진단특약 허혈성심장질환 진단비
최초 1회에 한하여 보장
상해입원특약
상해입원비
180일 한도로 보장
보장한도
최초
1회한
보장한도
보험금
지급한도
적용
자기부담금 차감
이 보험에는 일정금액 또는 일정비율의 자기부담금을 차감하고 보험금을 지급하는 담보가
있을 수 있습니다.
[자기부담금을 차감하는 담보 예시]
구분
담보명
자기부담금
실손의료보험
상해급여형
질병급여형
입원
급여 본인부담금의 20%
통원
통원1회당 의료기관별 1~2만원과
보장대상의료비의 20% 중 큰 금액
상해비급여형
질병비급여형
입원
비급여 의료비의 30%
통원
통원1회당 3만원과 보장대상의료비의
30% 중 큰 금액
상급병실료차액
비급여 병실료의 50%.
1일 평균 10만원 한도 보상
3대비급여형
도수치료·
체외충격파치료·
증식치료
1회당 3만원과 보장대상의료비의 30%
중 큰 금액
주사료
자기공명영상진단
자기부담금
차감 후
지급
※ 보험금 지급제한 조건에 대한 예시로 실제 가입하신 담보의 보장한도는 반드시 약관을 참조하시기
바랍니다.
※ 보험금 지급제한 조건에 대한 예시로 실제 가입하신 담보의 자기부담금 설정 여부는 반드시 약관을
참조하시기 바랍니다.

한화손해보험
9
주의사항
① 해약환급금은 납입한 보험료보다 적거나 없을 수도 있습니다.
※ 해약환급금 : 납입한 보험료에서 계약체결·유지관리 등에 소요되는 경비 및 경과된 기간의 위험 보장에 사용
된 보험료를 차감하여 지급
계약일
계약일
계약일
3년
납입완료
납입한보험료
납입한보험료
납입한보험료
해약환급금
해약환급금
(기본형)
해약환급금
(표준형)
해약환급금
(납입후50%해약환급금지급형)
해약환급금
(납입중50%해약환급금지급형)
· · ·
만기
납입기간 중
② 납입후50%해약환급금지급형은 보험료 납입기간 중 계약이 해지될 경우 해약환급금을 지급하지
않으며, 보험료 납입이 완료되고 납입기간이 종료된 이후 계약이 해지될 경우 “기본형”해약환급금의
50%에 해당하는 금액을 지급합니다.
③ 납입중50%해약환급금지급형은 보험료 납입기간 중 계약을 해지할 경우 “표준형”해약환급금의
50%에 해당하는 금액을 지급합니다.
해약환급금
0원
[납입기간 중 해지시]
해약환급금
기본형 대비 50%
[납입기간 이후 해지시]
해약환급금
[납입기간 중 해지시]
표준형 대비 50%
해약환급금에 관한 사항
보험계약자가 보험계약을 중도에 해지할 경우 보험회사는 해약환급금을 지급합니다.

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한화손해보험
주의사항
갱신형 계약은 갱신할 때 마다 연령의 증가, 위험률 변동 등으로 보험료가 인상될 수 있으니 주의하시
기 바랍니다.
주의사항
① 동일한 위험을 보장하는 2개 이상의 계약에 중복 가입하더라도 실제 발생한 손해(비용)을 초과하
여 보험금을 지급하지 않습니다. (중복 가입 시 비례 보상)
② 동일한 위험을 보장하는 여러 개의 실손보상형 담보에 가입하여 불필요하게 보험료를 납입하지
않도록 주의하시기 바랍니다.
보험료갱신형
실손형 담보
[중복가입 부적절]
중복가입 시
비례보상
갱신 시 보험료 인상 가능성
이 보험에는 갱신 시 보험료가 변동되는 갱신형 계약이 포함되어 있을 수 있습니다.
실손보상형 담보
이 보험에는 실제 발생한 손해를 보상(실손보상)하는 담보가 포함되어 있을 수 있습니다.
[갱신형 담보 예시]
상해수술비(갱신형), 질병사망(갱신형)
[실손보상형 담보 예시]
가족일상생활중배상책임, 자동차사고대인벌금
계약일
납입완료
납입완료 +3년
납입한보험료
해약환급금
(표준형)
해약환급금
(납입중50%해약환급금지급형Ⅱ)
④ 납입중50%해약환급금지급형Ⅱ은 보험료 납입기간 중 계약을 해지할 경우 “표준형”해약환급금
의 50%에 해당하는 금액을 지급합니다. 보험료 납입기간 및 보험료 납입 완료 시점부터 3년 미만의
기간 중 보험 계약을 해지할 경우 “표준형”해약환급금 보다 해약환급금이 적습니다.
가입
보험료
갱신시점 갱신시점

한화손해보험
11
소비자가 반드시 알아두어야 할 상품의 주요 특성
주의사항
① 보장성보험은 상해, 질병보장을 주목적으로 하며, 저축이나 연금수령을 목적으로 가입하시기에
적합하지 않습니다.
② 만기 또는 중도해지 시 납입한 보럼료보다 환급금이 적을 수 있습니다.
보장성보험
보장성보험
[사망, 상해, 질병 등]
주의사항
① 저축성보험은 은행의 예·적금 및 펀드 등과 다른 상풉입니다.
② 중도에 해지할 경우 원금 손실이 발생할 수 있습니다.
주의사항
① 유병력자보험은 질병을 앓고 있거나 과거 병력이 있는 소비자가 간단한 심사절차를 통해 가입할
수 있는 상품입니다.
② 일반보험 상품보다 보험료가 비싸므로 건강한 일반인이 가입한 경우 불리할 수 있습니다.
저축성보험
유병력자보험
저축성보험
[예·적금, 펀드와 다름]
유병자보험
[일반인 가입시 불리]
질병
있어도
주의사항
① 계약자 적립액 산출에 적용되는 이율은 매월 변동 됩니다.
② 동 이율은 납입한 주계약(또는 적립) 보험료에서 계약체결, 유지관리에 필요한 경비 및 위험보장
을 위한 보험료를 차감한 금액에 대해서만 적용됩니다.
③ 보장성보험의 최저보증이율*은 연복리 0.3%입니다.
*자산운용이익률, 시장금리가 하락하는 경우 회사가 보증하는 적용이율의 최저한도
④ 저축성보험의 최저보증이율*은 경과 기간에 따라 상이합니다.
*자산운용이익률, 시장금리가 하락하는 경우 회사가 보증하는 적용이율의 최저한도
금리연동형보험
금리연동형
[적용금리 변동]
최저이율
보장
0.3%
주의사항
이 보험계약은 예금자보호법에 따라 해약환급금(또는 만기 시 보험금)에 기타지급금을 합한 금액이
1인당 “1억원까지”(본 보험회사의 여타 보호상품과 합산) 보호됩니다. 이와 별도로 본 보험회사 보
호상품의 사고보험금을 합산한 금액이 1인당 “1억원까지”보호됩니다. 다만, 보험계약자 및 보험료
납부자가 법인인 보험계약의 경우에는 보호되지 않습니다.
예금자보호제도에 관한 사항
예금자보호
경과기간
5년 이하
5년 초과~10년 이하
10년 초과
최저보증이율
연복리 1.0%
연복리 0.75%
연복리 0.3%

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한화손해보험
청약을 철회할 수 있는 권리
보험계약의 무효
계약자는 보험증권을 받은 날로부터 15일 이내에 보험계약의 청약을 철회할 수 있으며, 이 경우 회사는
3영업일 이내에 납입한 보험료를 돌려드립니다.
보험회사는 다음의 경우 보험계약을 무효로 하며, 이미 납입한 보험료를 돌려드립니다.
보험계약 시 알아두실 사항
[청약철회가 불가한 경우]
① 청약일로부터 30일(만 65세 이상 보험계약자 & 전화로 체결한 계약의 경우 45일)을 초과한 경우
② 회사가 건강상태진단을 지원하는 계약
③ 보험기간이 90일 이내인 계약 또는 전문금융소비자가 체결한 계약
계약일
계약이 성립한 날
보험증권을 받은 날
계약 취소 시 지급하는 금액 = 이미 납입한 보험료 + 이자
보험증권을 받은 날 +15일
계약이 성립한 날 +3개월
청약철회 기간
계약취소 기간
보험계약을 취소할 수 있는 권리
보험계약자는 다음의 경우 계약이 성립한 날부터 3개월 이내에 계약을 취소할 수 있습니다.
보험계약을 청약할 때 보험약관 및 보험계약자 보관용 청약서를 전달받지 못한 경우
보험약관의 중요내용을 설명 받지 못한 경우
보험계약자가 청약서에 자필서명을 하지 않은 경우
타인의 사망을 보험금 지급사유로 하는 보험계약에서 피보험자의 서면 동의를 얻지 않은 경우
만 15세 미만자, 심신상실자 또는 심신박약자의 사망을 보험금 지급사유(피보험자 지정)로 한 경우
보험계약 체결 시 계약에서 정한 피보험자의 나이에 미달되었거나 초과되었을 경우

한화손해보험
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주의사항
① 청약서의 질문사항에 대하여 보험설계사에게만 구두로 알렸을 경우 보험계약 전 알릴의무를 이행한 것으로 볼 수
없습니다.
② 전화 등 통신수단을 통한 보험계약의 경우 보험회사 상담원의 질문이 청약서의 질문사항을 대신하므로 상담원의
질문에 사실대로 답변하여야 합니다.
계약 전 알릴의무 및 위반시 효과
보험계약자 또는 피보험자는 보험계약을 청약할 때 청약서의 질문사항(중요사항)에 대하여 반드시 사실
대로 알려야 합니다.
계약 해지 가능 (회사)
보장 제한 가능 (회사)
민원사례
A씨는 고지혈증, 당뇨병으로 90일간 투약처방 받은 사실을 보험설계사에게만 알려주고, 청약서에 기재하지 않은
채 OO질병보험에 가입하였으며, 가입 이후 1년간 당뇨병으로 통원치료를 받아 보험금을 청구
보험회사는 보험계약이 해지됨과 동시에 보험금 지급이 어려움을 안내
법률지식
[대법원 2007. 6. 28 선고 2006다59837]
일반적으로 보험설계사는 독자절으로 보험회사를 대리하여 보험계약을 체결할 권한이나 고지의무를 수령할 권한이 없음
계약 후 알릴의무 및 위반시 효과
보험계약자 등은 피보험자의 직업·직무 변경 등이 발생한 경우 지체없이 보험회사에 알려야 하며, 이를 위
반하는 경우 보험금 지급이 제한될 수 있습니다.
직업·직무 변경
계약자 또는
피보험자
고의 또는 중과실로 사실과 다르게 알린 경우
보험계약 후 알릴의무
아래와 같은 변경사항이 발생한 경우 반드시 보험회사에 알려주셔야 합니다.
운전목적 변경
운전여부 변경
이륜차 등 사용
(전동킥보드 등 개인형 이동장치 포함)
주의사항
보험회사는 피보험자의 직업·직무 변경 등으로
① 위험이 감소한 경우 보험료를 감액하고 정산금액을 환급하여 드리며,
② 위험이 증가한 경우 보험료가 증액되고 정산금액의 추가 납입이 필요할 수 있습니다.

14
한화손해보험
주의사항
보험회사는 피보험자의 건강상태, 직업 등에 따라 승낙여부를 결정하며, 부활(효력회복)을 거절하거나 보장의 일부
를 제한할 수 있습니다.
보험료 납입연체* 및 보험계약의 해지
보험료 납입이 연체 중인 경우 보험회사는 납입을 독촉하는 안내를 하며, 납입최고(독촉) 기간* 내에 보험
료를 납입하지 않으면 보험계약이 해지됩니다.
계약일
납기일 [9.15]
납입최고(독촉) 기간종료일 [10.31] 계약해지 [11.1]
납입최고(독촉) 기간
해지된 보험계약의 부활(효력회복)
보험료 납입연체로 보험계약이 해지되었으나 해지환급금을 받지 않은 경우 해지된 날부터 3년 이내에 보
험계약의 부활(효력회복)을 청약할 수 있습니다.
어머! 보험료를 내는 것
을 잊어버리고 있었네.
해지된 보험을
다시 살려야겠어.
회사 절차에 따라
심사하겠습니다.
해지된 계약이
부활되었습니다.
보험계약 해지 예시
보험계약 부활 절차
*보험료 납입연체 보험료 납입이 연체중인 경우
*납입최고(독촉) 기간 14일 이상(보험기간 1년 미만인 경우 7일 이상)
보험료 미납으로 인한
계약의 해지
건강상태, 직업 등
심사
해지 후 3년 이내
부활 청약
승낙 or 거절 또는
일부 보장제한
해약환급금
미수령

한화손해보험
15
주의사항
① 상환하지 않은 보험계약대출금 및 이자는 해약환급금 또는 보험금에서 차감될 수 있습니다.
② 순수보장성보험 등 보험상품 종류에 따라 보험계약대출이 제한될 수 있습니다.
③ 보험계약자는 대출신청 전에 보험계약대출이율을 반드시 확인하시기 바랍니다.
주의사항
소액 보험금 청구시 진단서 제출이 면제되는 등 청구서류가 간소화되는 경우가 있으니, 보험금 청구 전에 보험회사
에 제출서류를 확인하시기 바랍니다.
보험계약대출
보험계약자는 보험계약의 해약환급금 범위 내에서 보험계약대출을 받을 수 있습니다.
예시
보험금 청구절차 및 서류
보험금은 청구서류 접수일부터 3영업일 이내에 지급하는 것이 원칙입니다.
(단, 보험금 지급사유의 조사·확인이 필요한 경우 30영업일이 소요될 수 있습니다.
보험금 청구 절차
보험금 청구 서류
해약환급금
1,000만원
대출금 500만원 + 이자 5만원 =
505만원
실수령액
495만원
보험금 청구 문의
(서류안내)
보험금 지급 심사
(필요시 손해사정 또는 조사)
보험금 청구
(서류접수)
보험금 지급
(심사결과 안내)
-
=
청구접수일부터 지급일까지 3영업일 이내
(조사 등이 필요한 경우 최대 30영업일)
구분
진단서
입·퇴원확인서
수술확인서
통원확인서
진단사실확인서류
공통
사망
○ (사망진단서)
청구서
신분증
장해
○ (장해진단서)
진단
○
○ (검사결과지 등)
입원
△
○
수술
△
○
실손
△
○ (입원시)
○ (수술시)
○ (통원시)
보험회사

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자 앞으로 연락하여 주시기 바랍니다.
신용정보 제공 활용에 대한 고객권리 안내문
본인정보의 활용 제한중단을 원하시는 고객은 아래의 연락처로 신청하여 주시기 바랍니다.
대표전화 1566-8000 / 홈페이지 www.hwgeneralins.com
※ 단, 신규거래고객은 계약체결일로부터 3개월간은 신청할 수 없습니다.
본인정보
당사 신용정보 관리보호인
손해보험협회 개인정보보호담당자
금융감독원 개인정보보호담당자
(02 )316-0475
서울시 영등포구 여의대로56 한화금융센터
한화손해보험 준법감시인
(02) 3702-8500
서울시 종로구 종로1길 50 케이트윈타워
(02) 3145-5427
서울시 영등포구 여의대로38
금융감독원 정보화전략실 정보보안팀
신용정보 제공사실 통보 요구 및 오류정보 정정 요구
고객은 「신용정보의 이용 및 보호에 관한 법률」및 「신용정보업감독규정」등에 따라 아래의 권리가 부여되어 있습니다. 동 권리의 세부
내용에 대해서는 한화손해보험 홈페이지(www.hwgeneralins.com) 또는 금융감독원 홈페이지(www.fss.or.kr)에 게시되어 있으며,
동 권리를 행사하고자 하는 고객은 당사 고객상담센터 및 지점으로 신청하여 주시기 바랍니다.
신용정보 제공사실 통보 요구권(법 제35조)
고객이 본인의 신용정보를 신용정보업자 등에게 제공한 주요정보 내용 등을 통보 요구할 수 있는 권리
신용정보 열람 및 정정요구권(법 제38조)
고객은 신용정보업자 등이 보유하는 본인정보의 열람청구가 가능하며, 본인정보가 사실과 다른 경우 이의 정정 요구 및 정정 처리 결과에 이의가 있는 경우 금
감위에 시정 요청 가능
고객은 본인 신용정보를 신용평가회사(NICE평가정보, 서울신용평가정보, 코리아크레딧뷰로 등)를 통하여 연간 일정범위 내에서 무료
로 확인할 수 있습니다.
· NICE평가정보(주) 대표전화 02-2122-4000 / 홈페이지 www.niceinfo.co.kr
· 서울신용평가정보(주) 대표전화 1588-4753 / 홈페이지 www.sci.co.kr
· 코리아크레딧뷰로(주) 대표전화 02-708-1000 / 홈페이지 www.koreacb.com

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금융감독원에 민원 또는 분쟁조정을 신청하실 수 있습니다.
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한화손해보험 고객상담센터
금융감독원
1566-8000
서울시 영등포구 여의대로56(여의도동) 한화금융센터 고객상담센터
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한화손해보험
금융감독원
www.hwgeneralins.com
02-316-0592
(Fax) 02-316-0593
www.fss.or.kr
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금융감독원 보험사기방지센터
금융감독원
www.fss.or.kr/fss/main/contents.do?menuNo=200524
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1
한화 100세 암치료보장보험 무배당2601
목 차
가입자 유의사항 ···················································································9
주요내용 요약서 ·················································································13
보험금 청구 구비서류 안내 ·······························································17
보험금 청구절차 및 알아두실 내용 ···················································21
보험 가입부터 보험금 지급까지 ·························································23
주요 민원사례 안내 ············································································25
주요 보험용어 해설 ············································································27
주요 암보장 보험금 면책기간 및 감액지급금액 예시 ························29
종별 납입면제에 관한 사항 예시 ·······················································37
한화 100세 암치료보장보험 무배당2601 보통약관
[제1절. 공통조항]
제1관. 목적 및 용어의 정의 ····················································································41
제1조(목적) ··························································································································41
제2조(용어의 정의) ··············································································································41
제2관. 보험금의 지급 ·······························································································44
제3조(보험금의 지급사유) ···································································································44
제4조(보험금 지급에 관한 세부규정) ··················································································44
제5조(보험금 지급사유의 통지) ···························································································44
제6조(보험금의 청구) ··········································································································44
제7조(보험금의 지급절차) ···································································································44
제8조(공시이율의 적용 및 공시) ·························································································45
제9조(중도인출에 관한 사항) ······························································································46
제10조(만기환급금의 지급) ·································································································46
제11조(보험금을 받는 방법의 변경) ···················································································47
제12조(주소변경통지) ··········································································································47

2
2
한화 100세 암치료보장보험 무배당2601
제13조(보험수익자의 지정) ·································································································47
제14조(대표자의 지정) ········································································································47
제3관. 계약자의 계약 전 알릴 의무 등 ···································································47
제15조(계약 전 알릴 의무) ·································································································48
제16조(알릴 의무 위반의 효과) ··························································································49
제17조(사기에 의한 계약) ···································································································49
제4관. 보험계약의 성립과 유지 ···············································································49
제18조(보험계약의 성립) ·····································································································49
제19조(청약의 철회) ···········································································································49
제20조(약관교부 및 설명의무 등) ·······················································································51
제21조(계약의 무효) ···········································································································52
제22조(계약내용의 변경 등) ·······························································································51
제23조(보험나이 등) ···········································································································52
제24조(계약의 소멸) ···········································································································52
제5관. 보험료의 납입 ·······························································································53
제25조(제1회 보험료 및 회사의 보장개시) ········································································54
제26조(제2회 이후 보험료의 납입) ·····················································································53
제27조(보험료의 납입면제) ·································································································55
제28조(보험료의 납입면제에 관한 세부규정) ······································································55
제29조(보험료의 자동대출납입) ··························································································55
제30조(보험료의 납입이 연체되는 경우 납입최고(독촉)와 계약의 해지) ····························55
제31조(보험료의 납입을 연체하여 해지된 계약의 부활(효력회복)) ····································55
제32조(강제집행 등으로 인하여 해지된 계약의 특별부활(효력회복)) ·································55
제6관. 계약의 해지 및 해약환급금 등 ·····································································56
제33조(계약자의 임의해지 및 피보험자의 서면동의 철회) ·················································56
제33조의2(위법계약의 해지) ·······························································································56
제34조(중대사유로 인한 해지) ····························································································56
제35조(회사의 파산선고와 해지) ·························································································57
제36조(해약환급금) ·············································································································57
제37조(보험계약대출) ··········································································································57

3
한화 100세 암치료보장보험 무배당2601
제38조(배당금의 지급) ········································································································57
제7관. 분쟁조정 등 ··································································································57
제39조(분쟁의 조정) ···········································································································57
제40조(관할법원) ·················································································································58
제41조(소멸시효) ·················································································································58
제42조(약관의 해석) ···········································································································58
제43조(설명서 교부 및 보험안내자료 등의 효력) ·······························································58
제44조(회사의 손해배상책임) ······························································································58
제45조(개인정보보호) ··········································································································59
제46조(준거법) ····················································································································59
제47조(예금보험에 의한 지급보장) ·····················································································59
[제2절. 보장조항]
1. 암(4대유사암제외)진단비 보장 ·············································································61
제1조(“암”의 정의 및 진단확정) ·······················································································61
제2조(보험금의 지급사유) ···································································································61
제3조(보험금 지급에 관한 세부규정) ··················································································62
제4조(보장의 무효) ··············································································································62
제5조(보장의 소멸) ··············································································································62
제6조(회사의 보장개시) ·······································································································62
제7조(보험료의 납입을 연체하여 해지된 계약의 부활(효력회복)) ······································62
[제3절. 납입면제조항]
제1조(“암”의 정의 및 진단확정) ·······················································································63
제2조(“암”에 대한 회사의 납입면제보장개시) ···································································63
제3조(보험료의 납입면제) ···································································································64
제4조(보험료의 납입면제에 관한 세부규정) ········································································64
한화 100세 암치료보장보험 무배당2601 특별약관
1. 상해관련 특별약관 ·······························································································65
1-0. 상해보장 공통조항 ·····································································································67
1-1. 상해사망 특별약관 ·····································································································69

4
4
한화 100세 암치료보장보험 무배당2601
2. 질병관련 특별약관 ·······························································································71
2-1. 암(특정유사암포함)후유장해(3-100%),
암(특정유사암포함)후유장해(3-100%)(갱신형) 특별약관 ··········································73
2-2. 통합암(4대유사암제외)진단비Ⅲ, 통합암(4대유사암제외)진단비Ⅲ(갱신형) 특별약관 ··76
2-3. 4대유사암진단비 특별약관 ·························································································84
2-4. 전이암진단비 특별약관 ·······························································································86
2-5. 통합전이암진단비 특별약관 ························································································88
2-6. 암(4대유사암제외)진단후특정치료비(진단후10년,연간1회한)
암(4대유사암제외)진단후특정치료비(진단후10년,연간1회한)(갱신형) 특별약관 ········93
2-7. 특정유사암진단후특정치료비(진단후10년,연간1회한)
특정유사암진단후특정치료비(진단후10년,연간1회한)(갱신형) 특별약관 ·····················97
2-8. 암(4대유사암제외)진단후특정치료비(암전문의료기관(상급종합병원등))(진단후10년,
연간1회한),
암(4대유사암제외)진단후특정치료비(암전문의료기관(상급종합병원등))(진단후10년,
연간1회한)(갱신형) 특별약관 ···················································································102
2-9. 특정유사암진단후특정치료비(암전문의료기관(상급종합병원등))(진단후10년,연간1회한),
특정유사암진단후특정치료비(암전문의료기관(상급종합병원등))(진단후10년,연간1회한)
(갱신형) 특별약관 ····································································································107
2-10. 암(4대유사암제외)진단후종합병원특정치료비(상급종합병원제외)(진단후10년,
연간1회한),
암(4대유사암제외)진단후종합병원특정치료비(상급종합병원제외)(진단후10년,
연간1회한)(갱신형) 특별약관 ·················································································112
2-11. 특정유사암진단후종합병원특정치료비(상급종합병원제외)(진단후10년,연간1회한),
특정유사암진단후종합병원특정치료비(상급종합병원제외)(진단후10년,연간1회한)
(갱신형) 특별약관 ··································································································117
2-12. 하이클래스Ⅰ암(특정유사암포함)진단후특정치료비(진단후10년,연간1회한),
하이클래스Ⅰ암(특정유사암포함)진단후특정치료비(진단후10년,연간1회한)(갱신형)
특별약관 ·················································································································122
2-13. 하이클래스Ⅰ암(특정유사암포함)항암약물치료비(진단후10년,연간1회한),
하이클래스Ⅰ암(특정유사암포함)항암약물치료비(진단후10년,연간1회한)(갱신형)
특별약관 ·················································································································128
2-14. 암(4대유사암제외)특정치료비(종합병원)(각연간1회한),
암(4대유사암제외)특정치료비(종합병원)(각연간1회한)(갱신형) 특별약관 ···············132
2-15. 4대유사암특정치료비(종합병원)(각연간1회한),

5
한화 100세 암치료보장보험 무배당2601
4대유사암특정치료비(종합병원)(각연간1회한)(갱신형) 특별약관 ····························137
2-16. 암(4대유사암제외)특정치료비(암전문의료기관Ⅱ(상급종합병원등))(각연간1회한),
암(4대유사암제외)특정치료비(암전문의료기관Ⅱ(상급종합병원등))(각연간1회한)
(갱신형) 특별약관 ································································································140
2-17. 4대유사암특정치료비(암전문의료기관Ⅱ(상급종합병원등))(각연간1회한),
4대유사암특정치료비(암전문의료기관Ⅱ(상급종합병원등))(각연간1회한)(갱신형)
특별약관 ·················································································································145
2-18. 전이암특정치료비(종합병원)(각연간1회한) 특별약관 ··············································149
2-19. 전이암특정치료비(암전문의료기관(상급종합병원등))(각연간1회한) 특별약관 ·········152
2-20. 비급여(전액본인부담급여포함)암(4대유사암제외)특정치료비(각연간1회한)
특별약관 ·················································································································155
2-21. 비급여(전액본인부담급여포함)특정유사암특정치료비(각연간1회한) 특별약관 ········158
2-22. 비급여(전액본인부담급여포함)암특정주요치료비(각연간1회한) 특별약관 ···············161
2-23. 하이클래스Ⅱ암(특정유사암포함)특정치료비(연간1회한),
하이클래스Ⅱ암(특정유사암포함)특정치료비(연간1회한)(갱신형) 특별약관 ···········172
2-24. 하이클래스Ⅲ암(4대유사암제외)항암방사선치료비(연간1회한),
하이클래스Ⅲ암(4대유사암제외)항암방사선치료비(연간1회한)(갱신형) 특별약관 ··176
2-25. 하이클래스Ⅲ특정유사암항암방사선치료비(연간1회한),
하이클래스Ⅲ특정유사암항암방사선치료비(연간1회한)(갱신형) 특별약관 ···············178
2-26. 하이클래스Ⅲ암(4대유사암제외)항암약물치료비(연간1회한),
하이클래스Ⅲ암(4대유사암제외)항암약물치료비(연간1회한)(갱신형) 특별약관 ·······179
2-27. 하이클래스Ⅲ특정유사암항암약물치료비(연간1회한),
하이클래스Ⅲ특정유사암항암약물치료비(연간1회한)(갱신형) 특별약관 ···················181
2-28. 암(4대유사암제외)항암방사선치료비(1회한) 특별약관 ············································183
2-29. 암(4대유사암제외)항암약물치료비(1회한) 특별약관 ···············································185
2-30. 특정유사암항암방사선치료비(세부보장별각1회한) 특별약관 ···································186
2-31. 특정유사암항암약물치료비(세부보장별각1회한) 특별약관 ······································188
2-32. 암(특정유사암포함)항암방사선치료비(치료1회당) 특별약관 ····································189
2-33. 암(특정유사암포함)항암약물치료비(치료1회당) 특별약관 ·······································191
2-34. 암(특정유사암포함)표적항암약물허가치료비(1회한) 특별약관 ································193
2-35. 암(특정유사암포함)표적항암약물허가치료비(연간1회한) 특별약관 ·························198
2-36. 암(4대유사암제외)특정항암호르몬약물허가치료비(1회한) 특별약관 ·······················202
2-37. 암(4대유사암제외)특정항암호르몬약물허가치료비(연간1회한) 특별약관 ················206
2-38. 카티(CAR-T)항암약물허가치료비(1회한) 특별약관 ················································210

6
6
한화 100세 암치료보장보험 무배당2601
2-39. 암(특정유사암포함)항암양성자방사선치료비(1회한) 특별약관 ································215
2-40. 암(특정유사암포함)항암중입자방사선치료비(1회한),
암(특정유사암포함)항암중입자방사선치료비(1회한)(갱신형) 특별약관 ···················217
2-41. 암(특정유사암포함)항암세기조절방사선치료비(1회한) 특별약관 ·····························219
2-42. 말기암(특정유사암포함)호스피스완화의료치료비(가정형및입원형, 1회한) 특별약관 221
2-43. 말기암(특정유사암포함)호스피스완화의료치료비(입원형,1회한) 특별약관 ··············224
2-44. 암(4대유사암제외)수술비Ⅱ(수술1회당) 특별약관 ··················································227
2-45. 암(4대유사암제외)상급종합병원수술비(수술1회당) 특별약관 ·································229
2-46. 4대유사암수술비Ⅱ(수술1회당) 특별약관 ·······························································231
2-47. 암(4대유사암제외)수술비(1회한) 특별약관 ·····························································233
2-48. 암(4대유사암포함)직접치료입원비Ⅱ(요양병원제외,1일이상180일한도) 특별약관 ·· 236
2-49. 암(4대유사암포함)요양병원입원비Ⅱ(1일이상90일한도) 특별약관 ··························239
2-50. 암(4대유사암포함)직접치료상급종합병원입원비Ⅳ(1일이상180일한도) 특별약관 · 242
2-51. 암(4대유사암포함)직접치료중환자실입원비(1일이상180일한도) 특별약관 ·············246
2-52. 암(4대유사암포함)직접치료중환자실입원비(1일이상30일한도) 특별약관 ················249
2-53. 암(4대유사암포함)직접치료상급종합병원통원비 특별약관 ······································252
2-54. 암(4대유사암포함)직접치료통원비(1일1회,연간30일한) 특별약관 ··························255
2-55. 뇌혈관질환후유장해(3-100%) 특별약관 ·······························································258
2-56. 2대질병특정치료비(요양병원제외,연간1회한) 특별약관 ··········································259
2-57. 2대질병특정치료비(상급종합병원,권역심뇌혈관질환센터)(연간1회한) 특별약관 ···261
2-58. 경증순환계질환특정치료비(요양병원제외,연간1회한) 특별약관 ······························263
2-59. 경증순환계질환특정치료비(상급종합병원,권역심뇌혈관질환센터)(연간1회한)
특별약관 ·················································································································265
2-60. 중등증순환계질환특정치료비(요양병원제외,연간1회한) 특별약관 ···························267
2-61. 중등증순환계질환특정치료비(상급종합병원,권역심뇌혈관질환센터)(연간1회한)
특별약관 ·················································································································269
2-62. 중증순환계질환특정치료비(요양병원제외,연간1회한) 특별약관 ······························271
2-63. 중증순환계질환특정치료비(상급종합병원,권역심뇌혈관질환센터)(연간1회한)
특별약관 ·················································································································272
2-64. 중등증Ⅱ순환계질환특정치료비(요양병원제외,연간1회한) 특별약관 ·······················274
2-65. 중등증Ⅱ순환계질환특정치료비(상급종합병원,권역심뇌혈관질환센터)(연간1회한)
특별약관 ·················································································································276
2-66. 보장보험료50%납입지원Ⅱ(4대유사암) 특별약관 ···················································278

7
한화 100세 암치료보장보험 무배당2601
3. 비용손해관련 특별약관 ······················································································283
3-1. 의료사고법률비용(실손) 특별약관 ············································································285
4. (독립특별약관) 무배당 다빈치로봇수술비(1회한) (갱신형) 특별약관 ················287
암(갑상선암및전립선암제외)다빈치로봇수술비(1회한)(갱신형) 특별약관 ····························305
갑상선암및전립선암다빈치로봇수술비(1회한)(갱신형) 특별약관 ········································308
자궁및난소특정질환다빈치로봇수술비(1회한)(갱신형) 특별약관 ········································311
한화 100세 암치료보장보험 무배당2601 제도성 특별약관
1. 보장특약 자동갱신 특별약관 ························································································319
2. 이륜자동차운전중상해 부담보 특별약관 ·······································································320
3. 특정 신체부위·질병 보장제한부 인수 특별약관 ···························································321
4. 보험료자동납입 특별약관 ·····························································································322
5. 지정대리청구서비스 특별약관 ·······················································································323
6. 전자서명 특별약관 ········································································································324
7. 특별조건부(표준하체보험료할증) 특별약관 ···································································325
8. 법률연계보장의 계약내용 변경 특별약관 ·····································································325
한화 100세 암치료보장보험 무배당2601 별표 및 부록
【별표1】 장해분류표 ·········································································································329
Ⅰ. 총칙 ·····························································································································329
<붙임> 일상생활 기본동작(ADLs) 제한 장해평가표 ·························································348
【별표2】 보험금을 지급할 때의 적립이율 계산 ································································349
【1종(납입면제형, 기본형)】 ·······························································································349
【2종(납입면제형, 납입후50%해약환급금지급형)】 ····························································350
【별표3】 악성신생물 분류표 ·····························································································351
【별표4】 제자리신생물 분류표 ··························································································352
【별표5】 행동양식 불명 또는 미상의 신생물 분류표 ·······················································353
【별표6】 급여 항암약물 분류표 ························································································354
【별표7】 특정 신체부위·질병 분류표 ················································································355
【별표8】 급여 항암방사선치료 분류표 ··············································································359
【별표9】 뇌혈관질환 분류표 ·····························································································362
【별표10】 허혈성심장질환 분류표 ····················································································362

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