Suicide, will insurance pay?

In order to prevent suicide fraud, Article 44 of the Insurance Law stipulates that if the insured commits suicide within two years from the date of the establishment of the contract or the resumption of the contract, the insurer shall not be liable for paying the insurance money, except that the insured commits suicide as a person without civil capacity.

In other words, no matter what insurance you buy, the insurance company will not be liable for compensation if you commit suicide within two years after the contract takes effect. However, people without civil capacity (10 under one year of age, mental patients, etc. ) excluded. The premise of avoiding risks is to buy the right insurance. Want to know more, you can read this article: dry goods integration │ I understand the truth, why not buy the right insurance?

Suicide fraud is not desirable, and many types of insurance do not compensate for suicide.

Suicide claims of different types of insurance

1, accident insurance

The accident insurance standards for accidental injuries are: foreign, sudden, accident and non-disease.

Obviously, suicide does not meet the condition of "unintentional", so whether it is suicide within two years or suicide after two years, accident insurance will not compensate.

If the insured can prove that he is a mental disorder, such as depression, the insurance company will still pay after verification.

2. Life insurance

Life insurance will be liable for suicide. As long as the contract is established for more than two years and the insured commits suicide, life insurance will bear the responsibility of paying insurance benefits.

3. Responsibility for death critical illness insurance

Critical illness insurance, as its name implies, is insurance for major diseases, such as malignant tumor, acute myocardial infarction and stroke.

Only when the insured has an insured accident will the insurance money be paid. Suicide is not a major disease, so it will not be compensated.

However, it should be noted that some critical illness insurance will include vegetative state in the scope of protection, and there is no restriction on suicide without compensation in the periodic exemption clause of critical illness insurance.

So if you buy this kind of critical illness insurance, you will become a vegetable or disabled if you fail to commit suicide. If the disability standard is met, the insurance will pay.

4. Medical insurance

Suicide and self-injury are exempted items of medical insurance, and suicide after buying medical insurance cannot be compensated.