![](data:image/png;base64,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)
的机动车18期间遭受意外伤害;
(5)被保险人未遵医嘱,私自使用药物,但按使用说明的规定使用非处方药的不
在此限;
(6)一般健康检查、疗养、康复治疗,美容、整形、矫形,牙齿治疗19,视力矫
正,变性手术,但因意外伤害所致的矫形、整形不在此限;
(7)除心脏起搏器、心脏瓣膜、人工晶体、人工关节之外的其他人工器官材料费、
安装和置换等费用,各种康复治疗器械、假体、义肢、自用的按摩保健和
治疗用品、所有非处方医疗器械以及所有有源植入器械的购买、安装和置
换等费用;
(8)耐用医疗设备(指各种康复设备、矫形支具以及其他耐用医疗设备)的购买
或租赁费用;
(9)感染艾滋病病毒或患艾滋病20、性病、精神疾病21;
(10)战争22、军事冲突23、暴乱24、武装叛乱或恐怖主义行为;
(11)核爆炸、核辐射、核污染或化学污染;
(12)遗传性疾病25,先天性畸形、变形或染色体异常26,但本合同另有约定的除
外;
(13)在保单生效之前被保险人已患有的且已知晓的有关疾病或症状;
(14)未经科学或者医学认可的试验性或者研究性治疗及其产生的后果所产生的
费用;
(15)不符合国家《临床技术操作规范》的治疗,未获得治疗所在地政府许可或
批准的药品或药物;
(16)非我们认可的医院药房购买的药品、未经医生处方自行购买的药品、医生
开具的超过 30 天部分的药品费用。
除“3.1 责任免除”外,本合同中还有一些免除、减轻本公司责任的条款或与您有重
大利害关系的条款,详见“2.2 不保证续保”、“2.4 等待期”、“2.5 保险责任”、“2.6
补偿原则”、“4.1 保险费的交纳”、“4.2 家庭保单”、“4.3 新续保合同交费期”、“5.2
保险事故通知”、“6.1 犹豫期”、“6.2 您解除合同的手续及风险”、“7.1 现金价值”、
“8.2 明确说明与如实告知”、“8.3 年龄性别错误”、“脚注 6 意外伤害”、“脚注 9 我
们认可的医院”中突出显示的内容。
这部分讲的是您应当按时交纳保险费,如果不及时交费可能导致合同效力终止。
本合同的保险费根据被保险人的年龄、有无基本医疗保险或公费医疗及家庭保单
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。
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。
牙齿治疗:指牙齿的保健、洁牙、美白、矫形及种牙、镶牙、补牙、拔牙手术。
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。在人体血液或其它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。
精神疾病:指精神与行为障碍,以世界卫生组织颁布的《疾病和有关健康问题的国际统计分类》第十次修订版(ICD-10)为准。
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。
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》第十次修订版(ICD-10)确定。