购买选择权附加条款 purchase option rider

在签发人寿保险单时附加的一项条款，规定被保险人在将来可以追加投保一定保险金额，而毋需进行体检〔medical examination〕。其目的在于保证被保险人在将来的可保性。= guaranteed insurability rider。 

It is known as a guaranteed insurability option or purchase option rider. When an applicant purchases disability income insurance, he or she usually buys the maximum amount that is offered; normally that is about 60% to 70% of his or her gross income. As the applicant's income increases, however, that earlier disability income purchase will probably become insufficient to meet increasing expenses. The insured may have bought a bigger house with a larger monthly mortgage payment and may have children in private schools. At the same time, the insured's health may have deteriorated, resulting in his or her uninsurability. A disability purchase option rider solves that problem. A disability purchase option rider allows the insured, usually on specific policy anniversary dates, to increase the monthly benefit payable in the event of his or her future disability without regard to his or her current health. In other words, there is no medical underwriting done when a new policy is purchased under the option rider. In most cases, the benefit period may not be longer on the new policy nor may the elimination period be shorter than on the original policy. In addition, the new policy is issued at the same occupation class as the original policy. 相关例句如下，可供参考：

例句1

The aggregate approach to the design of the disability purchase option rider permits the insured, on each policy anniversary, to exercise an option for the entire remaining aggregate amount or some portion of it. Since the underwriting of disability income insurance purchased under a disability purchase option rider is limited only to financial underwriting, exercise of the option is subject only to his or her ability to meet the earned income requirements for the opted amount.

残疾购买选择权附加条款设计的综合方法允许受保人在每个保单周年日行使剩余总金额或其中一部分的选择权。由于根据残疾购买选择权附加条款购买的残疾收入保险的承保仅限于金融承保，因此行使选择权仅取决于他或她满足选择权金额的收入要求的能力。

相关知识拓展：

guaranteed insurability rider 经担保的可保险附加条款

根据元照英美法词典，上述术语系指出具寿险保单时附加的条款，允许被保险人无需体检而获得寿险保单，但要受附加条款所载明的总额限制。也称作购买选择权附加条款〔purchase option rider〕。

When purchasing a life insurance policy, you may be asked if you'd like to include one or more riders. Life insurance riders are add-ons that can be used to expand your policy's coverage. A guaranteed insurability rider, also known as a guaranteed purchase option rider, allows you to increase your policy's death benefit without being subject to a second medical exam. Adding this type of rider could make sense if you think your life insurance needs may change in the future, though it could also mean paying higher premiums. 具体例句如下：

例句1

A guaranteed insurability rider allows you to avoid further medical exams. If you were to buy a brand-new life insurance policy, on the other hand, that could trigger higher premium rates if you're significantly older or your health status has changed since you first got coverage.

一个经担保的可保险附加条款可以让你避免进一步的医疗检查。另一方面，如果你要购买一份全新的人寿保险，如果你的年龄明显较大，或者自首次投保以来你的健康状况发生了变化，这可能会引发更高的保费。

例句2

Guaranteed insurability riders can be attached to term life or permanent life insurance policies, though they may be less beneficial with a term life policy. That's because term life insurance is designed to cover you for a set time period only. If you only want to be covered from age 35 to 55 to pay off your mortgage or other debts, for example, then you may not need to think about getting more coverage long-term.

经担保的可保险附加条款可以附在定期寿险或永久寿险保单上，尽管它们可能对定期寿险保单没有那么有利。这是因为定期寿险的设计是为了在一段时间内为你提供保障。例如，如果你只想在35岁至55岁期间获得保险，以偿还抵押贷款或其他债务，那么你可能不需要考虑获得更多长期保险。

例句3

A guaranteed insurability rider can be used to increase your life insurance coverage without the necessity of a second medical exam. However, it will add to the cost of your policy and may not be necessary if you already have sufficient insurance.

经担保的可保险附加条款可用于增加您的人寿保险范围，而无需进行第二次体检。然而，这将增加你的保单费用，如果你已经有足够的保险，这可能是不必要的。

例句4

A guaranteed insurability rider lets you increase the coverage on your life insurance policy without taking another medical exam. It is also known as a guaranteed purchase option rider. You will usually pay higher premiums for a policy with this type of rider.

经担保的可保险附加条款让您无需参加另一次体检即可增加人寿保险的承保范围。它也被称为经担保的购买选择权附加条款。你通常会为这种附加条款的保单支付更高的保费。