2. The insured commits suicide, intentionally injures himself, intentionally commits a crime or intentionally acts, resulting in fighting or being attacked, and resists formal compulsory measures taken according to law.
3. The insured drinks alcohol, actively takes drugs or injects drugs.
4. The insured is drunk driving, driving without a valid driver's license or driving a motor vehicle without a valid driver's license.
5. Accidents caused by mental illness of the insured.
6. Injuries caused by the insured due to pregnancy, abortion, childbirth, drug allergy and other reasons.
7. Injury caused by the insured's unauthorized use of drugs without following the doctor's advice.
8. Injuries caused by diving, skydiving, rock climbing, gliding, paragliding, exploration, wrestling, martial arts competitions, skill performances, horse racing or racing.
9. War, military conflict, riot or armed rebellion.
10, nuclear explosion, nuclear radiation, nuclear pollution.
When the accident insurance contract is terminated due to the above-mentioned 1 situation, the insurance company will refund the premium paid in the accident insurance contract (attached with the rate table) to the insurance beneficiary in proportion.
When the accident insurance contract is terminated due to the above other circumstances, the insurance company will refund the premium paid by the accident insurance contract to the insured in proportion.
Extended data
insurable risk
I. Uninsurable accidental injury
Uninsurable accidental injury can also be understood as the exclusion liability of accidental injury insurance, that is, from the insurance principle, the accidental injury that the insurer should not insure, if insured, will violate the provisions of the law or the interests of the public.
Uninsurable accidental injuries generally include:
1. Accidental injuries suffered by the insured in criminal activities.
2. Accidental injury suffered by the insured in the fight.
3. The accidental injury of the insured after being drunk, taking (or injecting) drugs (such as heroin, opium, marijuana, morphine and other narcotic drugs, stimulants and hallucinogens).
4. Injuries caused by the insured's suicidal behavior.
Uninsurable accidental injuries should be clearly listed as exclusions in accident insurance clauses.
Second, special insurance for accidental injury
Accidental injury covered by special insurance refers to accidental injury that is not covered by the insurer in terms of insurance principle, but generally not covered by the insurer considering that the insurance liability is not easy to distinguish or limited to the underwriting ability. It is only covered by a special agreement between the insured and the insurer, and sometimes an extra premium is charged.
Special insurance for accidental injury includes:
1. Accidental injuries suffered by the insured due to war.
2. The insured suffers accidental injuries in strenuous sports activities or competitions such as mountaineering, skydiving, skiing, racing, boxing, rafting and wrestling.
3. Accidental injury caused by nuclear radiation.
4. Accidental injuries caused by medical accidents (such as doctors' misdiagnosis, pharmacists' medication errors, injuries caused during inspection, and surgical site errors). ).
Third, general accidental injury
Generally insurable accidental injury, that is, accidental injury that can be insured under normal circumstances. Except for uninsurable accidental injuries and specially insured accidental injuries, they are generally insurable accidental injuries.
Baidu encyclopedia-accident insurance
Baidu encyclopedia-accidental injury insurance