Health insurance covers diseases or disabilities caused by internal reasons, while most injuries and diseases in wars and riots are caused by external reasons. Accidental injuries caused by accidents, whether the result is illness, disability or death, should be included in the scope of accidental injury insurance, which is qualitatively different from health insurance. According to the principle of proximate cause, these diseases or injuries are caused by external accidents, which can be avoided by most people as long as they are reasonable and cautious under normal living conditions, so it is completely reasonable to include them in the exclusion range of health insurance. In addition, large-scale property losses and personal injuries caused by natural disasters such as earthquakes, floods, hurricanes and tsunamis have exceeded the underwriting capacity of commercial insurance companies and are generally borne by the state finance, so they belong to the category of social insurance. In terms of health insurance, generally after "insurance liability", "exclusion liability" will be listed. For example, "the insured's illness caused by the following reasons does not belong to the insurance liability: 1) the insured commits suicide or criminal acts; 2) The insured or its beneficiary intentionally cheats; 3) War or military action; 4) Congenital diseases and their operations; 5) Diseases or operations caused by accidental injuries; 6) Diseases or operations occurring during the observation period; 7) Any disease not included in the insurance liability. " Some insurance policies do not cover diseases, mental disorders, tuberculosis, etc. outside specific areas. , while others include illegal behavior, alcoholism, drug abuse, etc.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.