![](data:image/png;base64,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)
车23;
(5)核爆炸、核辐射或核污染;
(6)被保险人遗传性疾病24,先天性畸形、变形或染色体异常25;
(7)被保险人感染艾滋病病毒或患艾滋病26;
(8)战争27、军事冲突28、恐怖主义活动29、暴乱30或武装叛乱。
(9)被保险人斗殴31、醉酒32;被保险人从事潜水33、跳伞、攀岩34、蹦极、驾驶滑
翔机或滑翔伞、探险35、摔跤、武术比赛36、特技表演37、赛马、赛车等高风险
运动;被保险人参与任何水、陆、空交通工具的竞赛,或作为职业运动员参
与任何体育竞赛。
发生上述第(1)项情形导致被保险人身故的,本合同终止,已交足 2 年以上保费
的,本公司向投保人以外的被保险人的继承人退还本合同终止时的现金价值;
发生上述第(1)项情形导致被保险人进入长期护理状态的,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本合同终止时的现金价值;
发生上述其他情形导致被保险人进入长期护理状态、疾病身故、发生高残、确诊特
定疾病或严重认知障碍疾病的,本合同终止,本公司向投保人退还本合同终止时的
现金价值。
因下列任何情形直接或间接导致被保险人发生医疗费用的,本公司不承担给付一般
医疗保险金的责任:
(1)投保人对被保险人故意杀害、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;
(4)被保险人酒后驾驶、无合法有效驾驶证驾驶,或驾驶无有效行驶证的机动车;
(5)核爆炸、核辐射或核污染;
审验的;(5)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;(6)驾驶证已过有效期的。
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。
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。
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。
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。
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; 如果同时出现了明显临床症状或体征的,为患艾滋病。
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。
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。
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。
斗殴:指双方或多方通过拳脚、器械等武力以求制胜的行为。斗殴的认定,如有司法机关、公安部门的有关法律文件,则
以上述法律文件为准。
醉酒:指因饮酒而表现出动作不协调、意识紊乱、舌重口吃或其他不能清醒地控制自己行为的状态。醉酒的认定,如有司
法机关、公安部门的有关法律文件、医院的诊断书等,则以上述法律文件、诊断书等为准。
潜水:指使用辅助呼吸器材在江、河、湖、海、水库、运河等水域进行的水下运动。
攀岩:指攀登悬崖、楼宇外墙、人造悬崖、冰崖、冰山等运动。
探险:指明知在某种特定的自然条件下有失去生命或使身体受到伤害的危险,而故意使自己置身于其中的行为,如:江河
漂流、登山、徒步穿越沙漠或人迹罕至的原始森林等活动。
武术比赛:指两人或两人以上对抗性柔道、空手道、跆拳道、散打、拳击等各种拳术及使用器械的对抗性比赛。