What are the exemption clauses of the long-term accidental injury medical insurance for baby navigation 20 18?
So what are the specific exemption clauses of accidental injury medical insurance attached to this product? Let's have a look!
In any of the following circumstances, the insurance company shall not be liable for the payment of insurance benefits:
1. The applicant intentionally kills or hurts the insured;
2. The insured intentionally commits a crime and resists criminal compulsory measures taken according to law; The insured commits suicide or self-injury;
3. Accidental injury suffered by the insured during mental or behavioral disorder;
4. Symptoms or physical injuries of the insured before the supplementary contract takes effect;
Five, pregnancy (including ectopic pregnancy), delivery (including caesarean section), abortion and any of the above complications;
Six, dental repair, dental plastic surgery, dental treatment and surgery; Rehabilitation treatment; Medical malpractice;
Seven, the insured does not follow the doctor's advice to use drugs (except for the use of non-prescription drugs according to the instructions for use);
Eight, the insured is drunk or under the influence of drugs during the accident;
Nine, disc herniation and protrusion;
10. Accidental injuries suffered by the insured during drunk driving, driving without a valid driver's license or driving a motor vehicle without a valid driver's license;
Eleven, the insured skydiving, driving a glider or paraglider, diving, rock climbing, adventure, martial arts competitions, stunts, horse racing, rope skipping (including bungee jumping), racing and other high-risk behaviors; The insured participates in any sports competition as a professional athlete (except table tennis, badminton, tennis, billiards, swimming, track and field, shooting, archery, golf, bowling, squash and volleyball);
12. War, military conflict, riot or armed rebellion;
Thirteen, nuclear explosion, nuclear radiation or nuclear pollution.
The above is the relevant content of the exemption clause of long-term accidental injury medical insurance attached to Baby Sailing 20 18. If you want to know more clearly, you may wish to go to the product page of China Merchants Cigna official website to find out the specific details of this product. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020