![](data:image/png;base64,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)
(9)包皮环切术、包皮剥离术、包皮气囊扩张术、性功能障碍治疗;
(10)除心脏起搏器、心脏瓣膜、人工晶体、人工关节、人工肺、人工肾、人工
食管、人工胰、人工血管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;
(11)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;
(12)感染艾滋病病毒或患艾滋病37、性病、精神疾病38,但本合同另有约定的除
外;
(13)战争39、军事冲突40、暴乱41、武装叛乱或恐怖主义行为;
(14)核爆炸、核辐射、核污染或化学污染;
(15)遗传性疾病42,先天性畸形、变形或染色体异常43,但本合同另有约定的除
外;
(16)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;
(17)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;
(18)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;不符合入院标准、挂床住院或住院病人应当出院而拒
不出院(从医院确定出院之日起发生的一切医疗费用);
(19)非我们认可的医院药房购买的药品(但在我们指定的药店购买的保险责任
范围内的特定药品除外)、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;
(20)各类医疗鉴定,包括但不限于医疗事故鉴定、精神病鉴定、孕妇胎儿性别
鉴定、验伤鉴定、亲子鉴定、遗传基因鉴定费用;
(21)中子疗法44、基因疗法45和细胞免疫疗法46产生的医疗费用,但本合同另有
约定的除外。
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 保证续保”、“2.3 保险金额与给付限额”、“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
效力中止与恢复”、“4.4 新续保合同交费期”、“4.5 保险费率调整”、“5.2 保险事故
通知”、“5.3 保险金申请”、“5.5 特定药品购药流程”、“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”、“8.5 急危重病及转院”、“9.1 重大疾病定义”、“9.2 ‘恶性肿瘤——轻度’定
义”、“脚注 5 意外伤害”、“脚注 6 我们认可的医院”、“脚注 8 住院”、“脚注 9 住
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。
中子疗法:指应用中子放射线以实现减缓或治愈疾病目的的技术。
基因疗法:指通过各种手段修复缺陷基因,以实现减缓或治愈疾病目的的技术。
细胞免疫疗法:指通过采集人体免疫细胞,在体外进行扩增和功能鉴定,然后向患者传输,达到杀灭血液及组织中病
原体、癌细胞、突变的细胞,从而打破机体免疫耐受,激活和增强机体免疫力的治疗方法。