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What are the insurance exemption clauses? How to understand the exemption clause?
The exemption clause in the insurance contract actually means that if a risk accident occurs due to the exemption clause in the insurance contract, the insurance company will not be liable for compensation. The reason why insurance companies set up exemption clauses is to control risks and avoid moral hazard. For different types of insurance, the exemption clauses are different.

We want to know, we need to analyze the specific situation:

Under normal circumstances, accident insurance has no restrictions on people's health, but it has certain requirements for the insured's occupation. General high-risk industries are not covered by accident insurance. Accident insurance refers to the insurance liability caused by unintentional accidents, so accidents caused by diseases and human factors are also outside the scope of accident insurance.

Life insurance exemption clause Life insurance refers to insurance with life and death as the subject matter, and the exemption clause is similar. For example, the part that belongs to the category of moral hazard, such as intentional injury and criminal behavior, will definitely not pay compensation, nor can it violate the spirit of the law. This is basically the exemption from liability stated in all insurance contracts.

Health insurance exemption clauses Health insurance mainly includes critical illness insurance and medical insurance. The exemption clauses of critical illness insurance are partly consistent with life insurance, mainly to prevent moral hazard and legal risk. It should be noted that critical illness insurance's special liability exemption, such as congenital malformation, malformation or genetic disease chromosome abnormality, HIV infection or AIDS, will not be paid. There are relatively many exclusions corresponding to medical insurance, so we must pay more attention to it in the process of purchasing medical insurance. Generally speaking, medical accidents caused by non-diseases are not covered by medical insurance, and the waiting period corresponding to different diseases is also different. If the insured has an insurance accident while waiting, the insurance company will not pay for it.

Generally speaking, when we buy commercial insurance, we suggest you pay attention to the exemption clause in the insurance contract.