![](data:image/png;base64,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(一)因下列情形之一导致被保险人发生本合同约定的轻症疾病、中症疾病和重
大疾病的,我们不承担给付轻症疾病保险金、中症疾病保险金、重大疾病保险金
和豁免保险费的责任:
(1)您对被保险人的故意杀害、故意伤害;
(2)被保险人故意犯罪或者抗拒依法采取的刑事强制措施;
(3)被保险人故意自伤、或自本合同成立或者本合同效力恢复之日起 2年内自杀,
但被保险人自杀时为无民事行为能力人的除外;
(4)被保险人服用、吸食或注射毒品11;
(5)被保险人感染艾滋病病毒或患艾滋病12,但本合同另有约定的除外;
(6)遗传性疾病13,先天性畸形、变形或染色体异常14,但本合同另有约定的除外;
(7)被保险人在酒后驾驶15,无合法有效驾驶证驾驶16,或驾驶无合法有效行驶证
17的机动车期间遭受意外伤害;
(8)战争18、军事冲突19、暴乱20或武装叛乱;
(9)核爆炸、核辐射或核污染。
发生上述第(1)项情形导致被保险人发生重大疾病的,本合同的保险责任均终止,
我们向被保险人退还本合同的现金价值;发生上述其他情形导致被保险人发生重
大疾病的,本合同的保险责任均终止,我们向您退还本合同的现金价值。
本合同的保险责任均终止,届时:
(1)若本合同未附加其他附加险合同,则本合同终止;
(2)若本合同附加了其他附加险合同,则本合同在除豁免保险费合同以外的其他
附加险合同均终止后终止。
(二)因下列情形之一导致被保险人身故的,我们不承担给付身故保险金的责任:
(1)您对被保险人的故意杀害、故意伤害;
(2)被保险人故意犯罪或者抗拒依法采取的刑事强制措施;
(3)被保险人自本合同成立或者本合同效力恢复之日起 2年内自杀,但被保险人
自杀时为无民事行为能力人的除外;
(4)被保险人服用、吸食或注射毒品;
11 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。
12 感染艾滋病病毒或患艾滋病:艾滋病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病毒或其抗体呈阳性,没有出现
临床症状或体征的,为感染艾滋病病毒;若同时出现了明显临床症状或体征的,为患艾滋病。
13 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。
14 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》第十次修订版(ICD-10)确定。
15 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《中华人民共和国道路交通安全法》的规定认定为饮酒后驾驶或醉酒后驾驶。
16 无合法有效驾驶证驾驶:指下列情形之一:(1)没有驾驶证驾驶,或驾驶证已过有效期的;(2)驾驶与驾驶证准驾
车型不相符合的车辆;(3)持审验不合格或未按规定审验的驾驶证驾驶,以及在暂扣、扣留、吊销、注销驾驶证期
间驾驶;(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;(5)依照法律法规
或公安机关交通管理部门有关规定不允许驾驶的其他情况下驾驶。
17 无合法有效行驶证:指下列情形之一:(1)机动车被依法注销登记的;(2)未依法取得行驶证,违法上道路行驶的;
(3)未依法按时进行或通过机动车安全技术检验的;(4)行驶证已过有效期的。
18 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。
19 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。
20 暴乱:指破坏社会秩序的武装骚乱,以政府宣布为准。