feat(plan): 人寿/重疾模板 Schema 化

- 人寿/重疾模板改为 Schema 驱动渲染与校验
- 人寿/重疾产品配置增加 form_schema 入口
- 提取方式字段统一命名为 withdrawal_method
- 使用文档补充人寿/重疾示例
- README 同步最新更新

影响文件: plan-templates.js, LifeInsuranceTemplate.vue, CriticalIllnessTemplate.vue, plan-form-schema-usage.md, README.md, CHANGELOG.md

@@ -54,6 +54,7 @@ pnpm lint
 ### 计划书表单演进
 - ✅ **Schema 驱动** - 储蓄类模板字段由配置驱动渲染与校验
 - ✅ **提交映射下沉** - 提交字段映射从容器迁移到模板配置
+- ✅ **人寿/重疾同步** - 人寿与重疾模板改为 Schema 驱动
 
 ### 字段命名优化
 - ✅ **提取方式字段** - 统一将 specified_amount_type 重命名为 withdrawal_method

+## [2026-02-14] - 人寿/重疾模板Schema化
+
+### 更新
+- 人寿与重疾模板改为 Schema 驱动渲染与校验
+- 人寿/重疾产品配置增加 form_schema 入口
+- 使用文档补充人寿/重疾示例
+- README 同步最新更新
+
+---
+
+**详细信息**：
+- **影响文件**: src/config/plan-templates.js, src/components/plan/PlanTemplates/LifeInsuranceTemplate.vue, src/components/plan/PlanTemplates/CriticalIllnessTemplate.vue, docs/plan/plan-form-schema-usage.md, README.md
+- **技术栈**: Vue 3, Taro 4
+- **测试状态**: 待测试
+- **备注**: 保障类产品字段新增仅需调整 Schema 配置
+
+---
+
 ## [2026-02-14] - 计划书Schema注释与使用文档
 ## [2026-02-14] - 计划书表单重构
 

@@ -111,6 +111,24 @@ const template_config = {
 </script>
 ```
 
+## 8.1 人寿/重疾模板使用示例
+```vue
+<template>
+    <LifeInsuranceTemplate v-model="form_data" :config="template_config" />
+</template>
+
+<script setup>
+const form_data = ref({})
+
+const template_config = {
+    currency: 'USD',
+    payment_periods: ['整付（0-75 岁）', '5 年（0-70 岁）'],
+    form_schema: protectionFormSchema,
+    submit_mapping: baseSubmitMapping
+}
+</script>
+```
+
 ## 9. 新增保险类型流程
 1. 在 `src/config/plan-templates.js` 新增产品项（配置 form_sn）
 2. 为该产品选择已有模板组件或新增模板组件
@@ -139,6 +157,20 @@ const template_config = {
 }
 ```
 
+```javascript
+// 示例：新增人寿/重疾类产品配置
+'life-insurance-new': {
+    name: '示例人寿产品',
+    component: 'LifeInsuranceTemplate',
+    config: {
+        currency: 'USD',
+        payment_periods: ['整付（0-75 岁）'],
+        form_schema: protectionFormSchema,
+        submit_mapping: baseSubmitMapping
+    }
+}
+```
+
 ## 11. 常见扩展点
 - 新字段：仅在 form_schema 增加字段并补充 submit_mapping
 - 新联动：在 show_when 与 reset_map 中定义条件

 <template>
   <div v-if="config">
-    <!-- 申请人 -->
-    <PlanFieldName
-      v-model="form.customer_name"
-      label="申请人"
-      placeholder="请输入申请人"
-      :required="true"
-      class="mb-5"
-    />
-
-    <!-- 性别 -->
-    <PlanFieldRadio
-      v-model="form.gender"
-      label="性别"
-      :options="['男', '女']"
-      :required="true"
-      class="mb-5"
-    />
-
-    <!-- 出生年月日 -->
-    <PlanFieldDatePicker
-      v-model="form.birthday"
-      label="出生年月日"
-      placeholder="请选择年月日"
-      :required="true"
-      class="mb-5"
-    />
-
-    <!-- 是否吸烟 -->
-    <PlanFieldRadio
-      v-model="form.smoker"
-      label="是否吸烟"
-      :options="['是', '否']"
-      :required="true"
-      class="mb-5"
-    />
-
-    <!-- 保额 -->
-    <PlanFieldAmount
-      v-model="form.coverage"
-      label="保额"
-      placeholder="请输入保额"
-      :input-label="'请输入保额金额'"
-      :currency="config.currency"
-      :required="true"
-      class="mb-5"
-    />
-
-    <!-- 缴费年期 - 单选形式 -->
-    <PaymentPeriodRadio
-      v-model="form.payment_period"
-      label="缴费年期"
-      :options="config.payment_periods"
-      :required="true"
-      class="mb-5"
-    />
+    <template v-for="field in baseFields" :key="field.id || field.key">
+      <component
+        v-if="isFieldVisible(field) && field.type !== 'percentage'"
+        :is="getFieldComponent(field)"
+        v-model="form[field.key]"
+        v-bind="getFieldProps(field)"
+        class="mb-5"
+      />
+      <div v-else-if="isFieldVisible(field) && field.type === 'percentage'" class="mb-5">
+        <div class="text-sm text-gray-700 mb-2 flex items-center">
+          <span v-if="field.required" class="text-red-500 mr-1">*</span>
+          <span>{{ field.label }}</span>
+        </div>
+        <nut-input
+          v-model="form[field.key]"
+          type="digit"
+          :placeholder="field.placeholder"
+          @input="(value) => onPercentageInput(value, field.key)"
+          class="w-full"
+        />
+      </div>
+    </template>
   </div>
 
   <!-- 配置缺失提示 -->
@@ -77,7 +44,7 @@
  *   :config="templateConfig"
  * />
  */
-import { reactive, watch } from 'vue'
+import { reactive, watch, computed } from 'vue'
 import Taro from '@tarojs/taro'
 import PlanFieldName from '../PlanFields/NameInput.vue'
 import PlanFieldAmount from '../PlanFields/AmountKeyboard.vue'
@@ -105,6 +72,7 @@ const props = defineProps({
    * @property {Array<string>} payment_periods - 缴费年期选项
    * @property {Object} age_range - 年龄范围 { min, max }
    * @property {string} insurance_period - 保险期间
+   * @property {Object} form_schema - 表单 Schema
    */
   config: {
     type: Object,
@@ -137,6 +105,110 @@ const form = reactive({})
 
 let previousModelValue = null
 
+// 字段类型与组件的对应关系
+const fieldComponentMap = {
+  name: PlanFieldName,
+  radio: PlanFieldRadio,
+  date: PlanFieldDatePicker,
+  amount: PlanFieldAmount,
+  payment_period: PaymentPeriodRadio
+}
+
+// Schema 配置入口
+const baseFields = computed(() => props.config?.form_schema?.base_fields || [])
+
+/**
+ * 获取字段对应的渲染组件
+ * @param {Object} field - 字段配置
+ * @returns {Object|null} Vue 组件
+ */
+const getFieldComponent = (field) => {
+  return fieldComponentMap[field.type] || null
+}
+
+/**
+ * 组装字段渲染所需的 props
+ * @param {Object} field - 字段配置
+ * @returns {Object} 传入字段组件的 props
+ */
+const getFieldProps = (field) => {
+  const fieldProps = {
+    label: field.label,
+    placeholder: field.placeholder,
+    required: !!field.required
+  }
+
+  if (field.options) {
+    fieldProps.options = field.options
+  }
+
+  // 缴费年期选项由模板配置提供
+  if (field.options_from === 'payment_periods') {
+    fieldProps.options = fieldProps.options || props.config?.payment_periods
+  }
+
+  // 基础币种来自模板配置
+  if (field.currency_from === 'currency') {
+    fieldProps.currency = props.config?.currency
+  }
+
+  // 金额键盘的弹窗提示文本
+  if (field.input_label) {
+    fieldProps.inputLabel = field.input_label
+  }
+
+  return fieldProps
+}
+
+/**
+ * 判断字段是否可见
+ * @param {Object} field - 字段配置
+ * @returns {boolean} 是否显示
+ */
+const isFieldVisible = (field) => {
+  if (!field.show_when || field.show_when.length === 0) {
+    return true
+  }
+
+  return field.show_when.every(condition => {
+    return form[condition.field] === condition.equals
+  })
+}
+
+/**
+ * 获取 Schema 默认值
+ * @param {Object} value - 当前表单数据
+ * @returns {Object} 默认值集合
+ */
+const getSchemaDefaults = (value) => {
+  const defaults = {}
+  const fields = [...baseFields.value]
+  fields.forEach(field => {
+    if (field.default !== undefined && (value?.[field.key] === undefined || value?.[field.key] === null)) {
+      defaults[field.key] = field.default
+    }
+  })
+  return defaults
+}
+
+/**
+ * 初始化表单数据
+ * @param {Object} value - 初始数据
+ */
+const initializeForm = (value) => {
+  if (!value) {
+    Object.keys(form).forEach(key => delete form[key])
+    return
+  }
+
+  const defaults = getSchemaDefaults(value)
+
+  Object.assign(form, {
+    ...value,
+    ...defaults
+  })
+}
+
 // 监听父组件的数据变化
 watch(
   () => props.modelValue,
@@ -155,58 +227,96 @@ watch(
 
     if (isReset) {
       // 父组件重置了：清空表单
-      Object.keys(form).forEach(key => delete form[key])
+      initializeForm(newVal)
       previousModelValue = newVal
     } else {
-      // 正常更新：合并新字段，不删除已有字段
-      // 这很重要！因为用户可能刚填写了某些字段，其他字段还没更新
-      Object.keys(newVal).forEach(key => {
-        form[key] = newVal[key]
+      // 正常更新：合并新字段，保留默认值逻辑
+      const defaults = getSchemaDefaults(newVal)
+      Object.assign(form, {
+        ...newVal,
+        ...defaults
       })
       previousModelValue = newVal
     }
   },
-  { immediate: true }
+  { immediate: true, deep: true }
 )
 
 /**
  * 监听表单数据变化，同步到父组件
  */
+// 监听表单数据变化，同步到父组件
 watch(
-  () => form,
-  (newVal) => emit('update:modelValue', newVal),
+  form,
+  (newVal) => emit('update:modelValue', { ...newVal }),
   { deep: true }
 )
 
 /**
- * 表单校验
- * @returns {boolean} 是否通过校验
+ * 百分比输入清洗，避免非法字符
+ * @param {string|number} value - 输入值
+ * @param {string} key - 目标字段 key
  */
-const validate = () => {
-  if (!form.customer_name || !form.customer_name.trim()) {
-    Taro.showToast({ title: '请输入申请人', icon: 'none' })
-    return false
-  }
-  if (!form.gender) {
-    Taro.showToast({ title: '请选择性别', icon: 'none' })
-    return false
-  }
-  if (!form.birthday) {
-    Taro.showToast({ title: '请选择出生年月日', icon: 'none' })
-    return false
+const onPercentageInput = (value, key) => {
+  // 转换为字符串（处理 value 为 null 或其他类型的情况）
+  let strValue = String(value ?? '')
+
+  // 只保留数字和小数点
+  let cleaned = strValue.replace(/[^\d.]/g, '')
+
+  // 只保留一个小数点
+  const parts = cleaned.split('.')
+  if (parts.length > 2) {
+    cleaned = parts[0] + '.' + parts.slice(1).join('')
   }
-  if (!form.smoker) {
-    Taro.showToast({ title: '请选择是否吸烟', icon: 'none' })
-    return false
+
+  // 限制小数点后最多 2 位
+  if (parts.length === 2 && parts[1].length > 2) {
+    cleaned = parts[0] + '.' + parts[1].slice(0, 2)
   }
-  if (!form.coverage) {
-    Taro.showToast({ title: '请输入保额', icon: 'none' })
-    return false
+
+  // 限制范围：0-100
+  const numValue = parseFloat(cleaned)
+  if (!Number.isNaN(numValue)) {
+    if (numValue > 100) {
+      cleaned = '100'
+    } else if (numValue < 0) {
+      cleaned = '0'
+    }
   }
-  if (!form.payment_period) {
-    Taro.showToast({ title: '请选择缴费年期', icon: 'none' })
-    return false
+
+  form[key] = cleaned
+}
+
+/**
+ * 表单校验（基于 Schema）
+ * @returns {boolean} 校验是否通过
+ */
+const validate = () => {
+  const fields = [...baseFields.value]
+
+  for (const field of fields) {
+    if (!isFieldVisible(field)) {
+      continue
+    }
+
+    if (field.required) {
+      const value = form[field.key]
+      if (value === undefined || value === null || value === '') {
+        Taro.showToast({ title: field.label || '请完善必填信息', icon: 'none' })
+        return false
+      }
+    }
+
+    if (field.type === 'percentage' && isFieldVisible(field)) {
+      const percentage = parseFloat(form[field.key])
+      if (Number.isNaN(percentage) || percentage < 0 || percentage > 100) {
+        Taro.showToast({ title: '请输入0-100之间的百分比', icon: 'none' })
+        return false
+      }
+    }
   }
+
   return true
 }
 

 <template>
   <div v-if="config">
-    <!-- 申请人 -->
-    <PlanFieldName
-      v-model="form.customer_name"
-      label="申请人"
-      placeholder="请输入申请人"
-      :required="true"
-      class="mb-5"
-    />
-
-    <!-- 性别 -->
-    <PlanFieldRadio
-      v-model="form.gender"
-      label="性别"
-      :options="['男', '女']"
-      :required="true"
-      class="mb-5"
-    />
-
-    <!-- 出生年月日 -->
-    <PlanFieldDatePicker
-      v-model="form.birthday"
-      label="出生年月日"
-      placeholder="请选择年月日"
-      :required="true"
-      class="mb-5"
-    />
-
-    <!-- 是否吸烟 -->
-    <PlanFieldRadio
-      v-model="form.smoker"
-      label="是否吸烟"
-      :options="['是', '否']"
-      :required="true"
-      class="mb-5"
-    />
-
-    <!-- 保额 -->
-    <PlanFieldAmount
-      v-model="form.coverage"
-      label="保额"
-      placeholder="请输入保额"
-      :input-label="'请输入保额金额'"
-      :currency="config.currency"
-      :required="true"
-      class="mb-5"
-    />
-
-    <!-- 缴费年期 - 单选形式 -->
-    <PaymentPeriodRadio
-      v-model="form.payment_period"
-      label="缴费年期"
-      :options="config.payment_periods"
-      :required="true"
-      class="mb-5"
-    />
+    <template v-for="field in baseFields" :key="field.id || field.key">
+      <component
+        v-if="isFieldVisible(field) && field.type !== 'percentage'"
+        :is="getFieldComponent(field)"
+        v-model="form[field.key]"
+        v-bind="getFieldProps(field)"
+        class="mb-5"
+      />
+      <div v-else-if="isFieldVisible(field) && field.type === 'percentage'" class="mb-5">
+        <div class="text-sm text-gray-700 mb-2 flex items-center">
+          <span v-if="field.required" class="text-red-500 mr-1">*</span>
+          <span>{{ field.label }}</span>
+        </div>
+        <nut-input
+          v-model="form[field.key]"
+          type="digit"
+          :placeholder="field.placeholder"
+          @input="(value) => onPercentageInput(value, field.key)"
+          class="w-full"
+        />
+      </div>
+    </template>
   </div>
 
   <!-- 配置缺失提示 -->
@@ -77,7 +44,7 @@
  *   :config="templateConfig"
  * />
  */
-import { reactive, watch, toRefs } from 'vue'
+import { reactive, watch, computed } from 'vue'
 import Taro from '@tarojs/taro'
 import PlanFieldName from '../PlanFields/NameInput.vue'
 import PlanFieldAmount from '../PlanFields/AmountKeyboard.vue'
@@ -105,6 +72,7 @@ const props = defineProps({
    * @property {Array<string>} payment_periods - 缴费年期选项
    * @property {Object} age_range - 年龄范围 { min, max }
    * @property {string} insurance_period - 保险期间
+   * @property {Object} form_schema - 表单 Schema
    */
   config: {
     type: Object,
@@ -139,6 +107,110 @@ const form = reactive({})
 
 let previousModelValue = null
 
+// 字段类型与组件的对应关系
+const fieldComponentMap = {
+  name: PlanFieldName,
+  radio: PlanFieldRadio,
+  date: PlanFieldDatePicker,
+  amount: PlanFieldAmount,
+  payment_period: PaymentPeriodRadio
+}
+
+// Schema 配置入口
+const baseFields = computed(() => props.config?.form_schema?.base_fields || [])
+
+/**
+ * 获取字段对应的渲染组件
+ * @param {Object} field - 字段配置
+ * @returns {Object|null} Vue 组件
+ */
+const getFieldComponent = (field) => {
+  return fieldComponentMap[field.type] || null
+}
+
+/**
+ * 组装字段渲染所需的 props
+ * @param {Object} field - 字段配置
+ * @returns {Object} 传入字段组件的 props
+ */
+const getFieldProps = (field) => {
+  const fieldProps = {
+    label: field.label,
+    placeholder: field.placeholder,
+    required: !!field.required
+  }
+
+  if (field.options) {
+    fieldProps.options = field.options
+  }
+
+  // 缴费年期选项由模板配置提供
+  if (field.options_from === 'payment_periods') {
+    fieldProps.options = fieldProps.options || props.config?.payment_periods
+  }
+
+  // 基础币种来自模板配置
+  if (field.currency_from === 'currency') {
+    fieldProps.currency = props.config?.currency
+  }
+
+  // 金额键盘的弹窗提示文本
+  if (field.input_label) {
+    fieldProps.inputLabel = field.input_label
+  }
+
+  return fieldProps
+}
+
+/**
+ * 判断字段是否可见
+ * @param {Object} field - 字段配置
+ * @returns {boolean} 是否显示
+ */
+const isFieldVisible = (field) => {
+  if (!field.show_when || field.show_when.length === 0) {
+    return true
+  }
+
+  return field.show_when.every(condition => {
+    return form[condition.field] === condition.equals
+  })
+}
+
+/**
+ * 获取 Schema 默认值
+ * @param {Object} value - 当前表单数据
+ * @returns {Object} 默认值集合
+ */
+const getSchemaDefaults = (value) => {
+  const defaults = {}
+  const fields = [...baseFields.value]
+  fields.forEach(field => {
+    if (field.default !== undefined && (value?.[field.key] === undefined || value?.[field.key] === null)) {
+      defaults[field.key] = field.default
+    }
+  })
+  return defaults
+}
+
+/**
+ * 初始化表单数据
+ * @param {Object} value - 初始数据
+ */
+const initializeForm = (value) => {
+  if (!value) {
+    Object.keys(form).forEach(key => delete form[key])
+    return
+  }
+
+  const defaults = getSchemaDefaults(value)
+
+  Object.assign(form, {
+    ...value,
+    ...defaults
+  })
+}
+
 // 监听父组件的数据变化
 watch(
   () => props.modelValue,
@@ -157,58 +229,96 @@ watch(
 
     if (isReset) {
       // 父组件重置了：清空表单
-      Object.keys(form).forEach(key => delete form[key])
+      initializeForm(newVal)
       previousModelValue = newVal
     } else {
-      // 正常更新：合并新字段，不删除已有字段
-      // 这很重要！因为用户可能刚填写了某些字段，其他字段还没更新
-      Object.keys(newVal).forEach(key => {
-        form[key] = newVal[key]
+      // 正常更新：合并新字段，保留默认值逻辑
+      const defaults = getSchemaDefaults(newVal)
+      Object.assign(form, {
+        ...newVal,
+        ...defaults
       })
       previousModelValue = newVal
     }
   },
-  { immediate: true }
+  { immediate: true, deep: true }
 )
 
 /**
  * 监听表单数据变化，同步到父组件
  */
+// 监听表单数据变化，同步到父组件
 watch(
-  () => form,
-  (newVal) => emit('update:modelValue', newVal),
+  form,
+  (newVal) => emit('update:modelValue', { ...newVal }),
   { deep: true }
 )
 
 /**
- * 表单校验
- * @returns {boolean} 是否通过校验
+ * 百分比输入清洗，避免非法字符
+ * @param {string|number} value - 输入值
+ * @param {string} key - 目标字段 key
  */
-const validate = () => {
-  if (!form.customer_name || !form.customer_name.trim()) {
-    Taro.showToast({ title: '请输入申请人', icon: 'none' })
-    return false
-  }
-  if (!form.gender) {
-    Taro.showToast({ title: '请选择性别', icon: 'none' })
-    return false
-  }
-  if (!form.birthday) {
-    Taro.showToast({ title: '请选择出生年月日', icon: 'none' })
-    return false
+const onPercentageInput = (value, key) => {
+  // 转换为字符串（处理 value 为 null 或其他类型的情况）
+  let strValue = String(value ?? '')
+
+  // 只保留数字和小数点
+  let cleaned = strValue.replace(/[^\d.]/g, '')
+
+  // 只保留一个小数点
+  const parts = cleaned.split('.')
+  if (parts.length > 2) {
+    cleaned = parts[0] + '.' + parts.slice(1).join('')
   }
-  if (!form.smoker) {
-    Taro.showToast({ title: '请选择是否吸烟', icon: 'none' })
-    return false
+
+  // 限制小数点后最多 2 位
+  if (parts.length === 2 && parts[1].length > 2) {
+    cleaned = parts[0] + '.' + parts[1].slice(0, 2)
   }
-  if (!form.coverage) {
-    Taro.showToast({ title: '请输入保额', icon: 'none' })
-    return false
+
+  // 限制范围：0-100
+  const numValue = parseFloat(cleaned)
+  if (!Number.isNaN(numValue)) {
+    if (numValue > 100) {
+      cleaned = '100'
+    } else if (numValue < 0) {
+      cleaned = '0'
+    }
   }
-  if (!form.payment_period) {
-    Taro.showToast({ title: '请选择缴费年期', icon: 'none' })
-    return false
+
+  form[key] = cleaned
+}
+
+/**
+ * 表单校验（基于 Schema）
+ * @returns {boolean} 校验是否通过
+ */
+const validate = () => {
+  const fields = [...baseFields.value]
+
+  for (const field of fields) {
+    if (!isFieldVisible(field)) {
+      continue
+    }
+
+    if (field.required) {
+      const value = form[field.key]
+      if (value === undefined || value === null || value === '') {
+        Taro.showToast({ title: field.label || '请完善必填信息', icon: 'none' })
+        return false
+      }
+    }
+
+    if (field.type === 'percentage' && isFieldVisible(field)) {
+      const percentage = parseFloat(form[field.key])
+      if (Number.isNaN(percentage) || percentage < 0 || percentage > 100) {
+        Taro.showToast({ title: '请输入0-100之间的百分比', icon: 'none' })
+        return false
+      }
+    }
   }
+
   return true
 }
 

@@ -30,6 +30,18 @@ const baseSubmitMapping = {
   total_amount: { api_field: 'total_premium', transform: 'fen_to_yuan' }
 }
 
+// 人寿/重疾基础表单 Schema（通用保障类）
+const protectionFormSchema = {
+  base_fields: [
+    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
+    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
+    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
+    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
+    { id: 'coverage', key: 'coverage', type: 'amount', label: '保额', placeholder: '请输入保额', input_label: '请输入保额金额', required: true, currency_from: 'currency' },
+    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
+  ]
+}
+
 // 储蓄类提交字段映射（在基础映射上追加提取计划字段）
 const savingsSubmitMapping = {
   ...baseSubmitMapping,
@@ -89,6 +101,7 @@ export const PLAN_TEMPLATES = {
       ],
       age_range: { min: 0, max: 75 }, // 年龄范围
       insurance_period: '终身', // 保险期间
+      form_schema: protectionFormSchema,
       submit_mapping: baseSubmitMapping
     }
   },
@@ -106,6 +119,7 @@ export const PLAN_TEMPLATES = {
       ],
       age_range: { min: 0, max: 75 },
       insurance_period: '终身',
+      form_schema: protectionFormSchema,
       submit_mapping: baseSubmitMapping
     }
   },
@@ -123,6 +137,7 @@ export const PLAN_TEMPLATES = {
       ],
       age_range: { min: 0, max: 65 },
       insurance_period: '终身',
+      form_schema: protectionFormSchema,
       submit_mapping: baseSubmitMapping
     }
   },
@@ -140,6 +155,7 @@ export const PLAN_TEMPLATES = {
       ],
       age_range: { min: 0, max: 65 },
       insurance_period: '终身',
+      form_schema: protectionFormSchema,
       submit_mapping: baseSubmitMapping
     }
   },
@@ -157,6 +173,7 @@ export const PLAN_TEMPLATES = {
       ],
       age_range: { min: 0, max: 65 },
       insurance_period: '终身',
+      form_schema: protectionFormSchema,
       submit_mapping: baseSubmitMapping
     }
   },