Health insurance life insurance contract

Its unique clauses include the incontestable clause, the basic content of which is that after a certain period (usually two years), the life insurance contract becomes an incontestable document, and the insurer can no longer claim that the insurance contract is invalid from the beginning on the grounds that the applicant violates the principle of utmost good faith and fails to fulfill the obligation of disclosure. Adding force majeure clauses to insurance contracts is a measure to protect the interests of the insured and limit the rights of the insurer.

Mainly exemption clauses, liability exemption, the following are the terms of a company, you can refer to!

1. If the insured suffers from illness, reaches the state of illness or undergoes surgery under any of the following circumstances, the Company will not be responsible for paying critical illness insurance gold:

(1) The insured intentionally kills or intentionally hurts the insured;

(2) The insured intentionally commits a crime or resists criminal compulsory measures taken according to law;

(3) The insured intentionally hurts himself;

(4) The insured takes the initiative to take or inject drugs;

(5) The insured is drunk driving, driving without a valid driver's license or driving a motor vehicle without a valid driver's license;

(6) War, military conflict, riot or armed rebellion;

(7) Nuclear explosion, nuclear radiation or nuclear pollution;

(8) Hereditary disease, congenital malformation, deformation or chromosomal abnormality;

(9) The insured is infected with HIV or suffers from AIDS.