China Merchants Cigna attached a liability exemption clause to Part B of "Cherish Future Children's Specific Disease Insurance".

To insure any insurance, we need to pay more attention to the insurance liability and exemption clauses to avoid claims disputes after the accident. Here is a brief introduction to the exemption clause of additional liability of China Merchants Cigna Cherishing Future Children's Specific Disease Insurance. Let's have a look. What kinds of critical illness insurance for children are available? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.

China Merchants Cigna attached a liability exemption clause to clause B of "Cherish the future children's specific disease insurance".

Under any of the following circumstances, if the insured suffers from a child-specific disease, the insurance company will not pay the insurance premium for the child-specific disease:

1. The applicant intentionally kills or intentionally hurts the insured;

2. The insured intentionally injures himself, intentionally commits a crime or resists arrest;

3. The insured smokes, smokes 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. Hereditary diseases, congenital malformations, deformities or chromosomal abnormalities;

6. The insured is infected with HIV or suffers from AIDS;

7. Implement police and gendarmerie training and military operations; War, riots and armed rebellion;

8. Nuclear reaction, nuclear radiation or nuclear pollution.

If the insured suffers from a child-specific disease due to the occurrence of the first case mentioned above, this supplementary contract shall be terminated; If the applicant has paid the insurance premium for more than two years, the insurance company will refund the cash value of the additional insurance contract to the beneficiary after deducting the unpaid amount (including interest). Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

If the insured suffers from children's specific diseases due to the above other circumstances, this supplementary contract will be terminated, and the insurance company will return the balance of the cash value of this supplementary contract after deducting the outstanding amount (including interest) to the insured, and the main contract attached to this supplementary contract will continue to be valid.

The above is the full introduction of the exemption clause of clause B of China Merchants Cigna's additional cherish future children's specific disease insurance, hoping to help parents in need.

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