保险豁免权后要什么凭证吗？

中文版：

当保险合同中的豁免权被触发后，通常需要一些凭证来证明投保人或被保险人满足豁免条件。这些凭证是保险公司核实豁免权益是否应被授予的重要依据。

一般来说，豁免权触发后，投保人或被保险人需要提供以下凭证：

医学证明：如果豁免条件涉及到健康或疾病状态，如罹患重大疾病或丧失工作能力，那么通常需要提供由正规医疗机构出具的医学诊断证明或鉴定报告。这些文件应详细列明病情、诊断结果和治疗建议等。

身份证明：投保人或被保险人的身份证明文件也是必要的，如身份证、护照等，以证明身份的真实性。

保险合同和豁免条款：提供完整的保险合同和豁免条款，有助于保险公司了解具体的保险约定和豁免条件。

其他相关证明：根据豁免条件的具体要求，可能还需要提供其他相关证明，如收入证明、工作证明等。

为了确保保险豁免权益的顺利申请，投保人或被保险人应妥善保管这些凭证，并在豁免权触发后尽快提交给保险公司。

英文版：

What Documents Are Required for Insurance Waiver Rights?

Upon the activation of waiver rights in an insurance contract, certain documents are typically required to prove that the policyholder or insured meets the waiver conditions. These documents serve as crucial evidence for insurance companies to verify the entitlement of waiver benefits.

Generally speaking, after the waiver rights are triggered, the policyholder or insured needs to provide the following documents:

Medical Certificates: If the waiver conditions involve health or disease status, such as the diagnosis of a critical illness or the loss of earning capacity, then medical diagnosis certificates or evaluation reports issued by formal medical institutions are typically required. These documents should detail the illness, diagnosis results, and treatment recommendations.

Identity Documents: Identification documents of the policyholder or insured, such as identity cards, passports, etc., are also necessary to prove the authenticity of identity.

Insurance Contract and Waiver Clauses: Providing the complete insurance contract and waiver clauses helps insurance companies understand the specific insurance agreement and waiver conditions.

Other Relevant Documents: Depending on the specific requirements of the waiver conditions, other relevant documents may be required, such as income proof, work proof, etc.

To ensure a smooth application process for insurance waiver benefits, the policyholder or insured should keep these documents properly and submit them to the insurance company as soon as possible after the waiver rights are triggered.