![](data:image/png;base64,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)
病、全残、首次
重大疾病豁免
保险费、中症
疾病、轻症疾
病、轻症疾病
或中症疾病豁
免保险费、第
二次重大疾病
以及少儿特定
疾病和罕见疾
病责任免除
症疾病、轻症疾病或少儿特定疾病和罕见疾病的,本公司不承担给付保险金或豁
免保险费的责任:
(1)投保人对被保险人故意杀害或故意伤害。
(2)被保险人故意自伤,故意犯罪以及抗拒依法采取的刑事强制措施。
(3)被保险人主动服用、吸食或注射毒品
15
。
(4)被保险人酒后驾驶
16
、无合法有效驾驶证驾驶
17
,或驾驶无有效行驶证
18
的
机动车
19
。
(5)核爆炸、核辐射或核污染。
(6)被保险人遗传性疾病
20
,先天性畸形、变形或染色体异常
21
。
(7)被保险人感染艾滋病病毒或患艾滋病
22
(但符合本合同“器官移植导致的人
类免疫缺陷病毒(HIV)感染”、“经输血导致的人类免疫缺陷病毒(HIV)感染”
及“特定职业导致的人类免疫缺陷病毒(HIV)感染”定义的不在此限);
(8)战争
23
、军事冲突
24
、恐怖主义活动
25
、暴乱
26
或武装叛乱;
发生上述第(1)项情形导致被保险人被确诊初次发生本合同列明的重大疾病、
全残、中症疾病、轻症疾病或少儿特定疾病和罕见疾病的,本合同终止,已交足
2 年以上保费的,本公司向被保险人退还与该被保险人对应的现金价值;发生上
述其他情形导致被保险人被确诊初次发生本合同列明的重大疾病、全残、中症疾
病、轻症疾病或少儿特定疾病和罕见疾病的,本合同终止,本公司向投保人退还
与该被保险人对应的现金价值。
2.4.2 身故保险责任
免除
因下列任何情形直接或间接导致被保险人身故的,本公司不承担给付身故保险金
的责任:
15
毒品:指中华人民共和国刑法规定的鸦片、海洛因、甲基苯丙胺(冰毒)、吗啡、大麻、可卡因以及国家规定管制的其他
能够使人形成瘾癖的麻醉药品和精神药品,但不包括由医生开具并遵医嘱使用的用于治疗疾病但含有毒品成分的处方药品。
16
酒后驾驶:指经检测或鉴定,发生事故时车辆驾驶人员每百毫升血液中的酒精含量达到或超过一定的标准,公安机关交通
管理部门依据《道路交通安全法》的规定认定为饮酒后驾驶或醉酒后驾驶。
17
无合法有效驾驶证驾驶:指下列任何驾驶情形:(1)没有取得驾驶资格;(2)驾驶与驾驶证准驾车型不相符合的车辆;
(3)持审验不合格的驾驶证驾驶;(4)持学习驾驶证学习驾车时,无教练员随车指导,或不按指定时间、路线学习驾车。
18
无有效行驶证:指下列任何情形:(1)未取得行驶证;(2)机动车被依法注销登记的;(3)未依法按时进行或通过机动
车安全技术检验。
19
机动车:指以动力装置驱动或者牵引,上道路行驶的供人员乘用或者用于运送物品以及进行工程专项作业的轮式车辆。
20
遗传性疾病: 指生殖细胞或受精卵的遗传物质(染色体和基因)发生突变或畸变所引起的疾病,通常具有由亲代传至后代
的垂直传递的特征。
21
先天性畸形、变形或染色体异常: 指被保险人出生时就具有的畸形、变形或染色体异常。先天性畸形、变形和染色体异常
依照世界卫生组织《疾病和有关健康问题的国际统计分类》(ICD-10)确定。
22
感染艾滋病病毒或患艾滋病: 艾滋病毒指人类免疫缺陷病毒,英文缩写为 HIV。艾滋病指人类免疫缺陷病毒引起的获得性
人类免疫缺陷综合征,英文缩写为 AIDS。在人体血液或其他样本中检测到艾滋病毒或其抗体呈阳性,没有出现临床症状或
征的,为感染艾滋病病毒; 如果同时出现了明显临床症状或体征的,为患艾滋病。
23
战争:指国家与国家、民族与民族、政治集团与政治集团之间为了一定的政治、经济目的而进行的武装斗争,以政府宣布
为准。
24
军事冲突:指国家或民族之间在一定范围内的武装对抗,以政府宣布为准。
25
恐怖主义活动:指以制造社会恐慌、危害公共安全或胁迫国家机关、国际组织为目的,采取暴力、破坏、恐吓等手段,造
成或意图造成人员伤亡、重大财产损失、公共设施损坏、社会秩序混乱等严重社会危害的行为,以及煽动、资助或以其他方
式协助实施上述活动的行为。
26
暴乱:指破坏社会秩序的武装骚动,以政府宣布为准。