3.1 保险合同的生效时间在保险凭证中载明，该保险凭证将发送给您方。 This policy will begin on the start time shown on the certificate of insurance which will be sent to you. 3.2 如果您方为其他被保险人投保本保险，该被保险人保障的生效时间在 保险凭证中载明，该保险凭证将发送给您方。 If you choose to buy cover for other beneficiaries, their cover will begin on the related start time shown on the certificate of insurance which will be sent to you. 3.3 请您务必及时向我方告知本保险合同生效时间之前被保险人所发生的 任何医疗情况变化，我方将针对医疗情况的变化重新审核您方的申 请，并可能增加特别责任免除、或重新评估是否承保。 It is important that you notify us immediately of any change in the beneficiaries’ medical condition which occurs before the start time of the policy. We will then review your application and may need to apply (additional) special exclusions or review coverage acceptance.