Exclusion of liability for payment to millions of families in Taikang, Pacific: If the insured directly or indirectly causes death or disability due to one of the following reasons, the insurer shall not bear any liability for payment of insurance benefits: (1) The insured intentionally kills or hurts the insured; (2) The insured causes self-mutilation or suicide, unless the insured is a person without civil capacity at the time of suicide; (3) Fighting, being attacked or being murdered due to the provocation or intentional behavior of the insured; (4) The insured violates the law, commits a crime or resists criminal compulsory measures taken according to law; (5) Injuries caused by diseases of the insured, including but not limited to sudden death, food poisoning, altitude sickness, heatstroke, virus and bacterial infection (wound infection caused by accidental injuries is not limited to this); (6) Injuries caused by the insured due to pregnancy, abortion or childbirth, except those caused by accidental injuries; (7) Injuries caused by drug allergy, cosmetic surgery, internal surgery or other medical actions of the insured; (8) The insured takes, daubs or injects drugs privately without following the doctor's advice; (9) The insured disappeared for reasons other than accidental injury or natural disaster and was declared dead by the court; (10) The insured engages in high-risk sports and participates in any professional or semi-professional sports, including but not limited to various vehicle performances, vehicle competitions or trainings; (eleven) the insured does not comply with the provisions of safe driving or riding; (12) Injuries suffered by the insured when driving an overloaded motor vehicle due to an accident caused by vehicle overload; (13) explosion, burn, pollution or radiation caused by any biological, chemical or atomic weapon, atomic energy or nuclear energy device; (14) terrorist attacks.
2. Under any of the following circumstances, the insurer shall not be liable for the death or disability of the insured: (1) The insured is insane or during the period of insanity; (2) During war, military action, riot or armed rebellion; (3) During the period when the insured is drunk or under the influence of drugs or controlled drugs; (4) During drunk driving, the insured drives or drives a motor vehicle without a valid driver's license.