We are not responsible for the following expenses or hospitalization of the insured due to one of the following circumstances: (1) "exemption reasons" agreed in the main insurance contract; (2) Diseases (or complications thereof), symptoms, signs, physical defects and disabilities that the insured suffers from or appears before the entry into force of this additional insurance contract or during the period of disease observation, except those that we have known and recognized in writing at the time of underwriting; (3) Pregnancy, abortion, delivery (including cesarean section), contraception, sterilization, treatment of infertility, prenatal and postpartum examination of the insured, or complications caused by the above situations, except ectopic pregnancy, abortion or delivery caused by accidental injury; (4) Medical expenses incurred by the insured in hospitalization in other hospitals outside the hospital designated by our company, except as otherwise agreed in "6.2 Emergency and Transfer" of this additional insurance clause; (5) General health examination, recuperation, special care, rehabilitation, physical therapy, psychological consultation, psychotherapy or medical treatment for the purpose of donating human organs; (6) Disc herniation, sexually transmitted diseases, mental disorders, hereditary diseases, congenital diseases, congenital deformities or defects, occupational diseases, specific infectious diseases and endemic diseases; (7) Cosmetic surgery, cosmetic surgery, cosmetic surgery, plastic surgery, plastic surgery, transsexual surgery and preventive surgery (such as preventive appendectomy), except plastic surgery, orthopedic surgery and plastic surgery caused by accidental injuries; (8) Dental care or treatment, tooth repair or plastic surgery for any reason, eye examination and glasses, vision correction surgery, repair, installation or purchase of appliances for the disabled (such as wheelchairs, artificial limbs, hearing AIDS, artificial eyes, etc.). ), except for dental restoration or plastic surgery caused by accidental injury; (nine) the purchase and installation of artificial organs and transplanted organs; (10) Expenses other than reasonable and necessary hospitalization expenses agreed in this additional insurance contract; (1 1) The part of the medical expenses paid by the insured that has been compensated by the third party according to law.

If one of the circumstances listed in this article causes the death of the insured and this additional insurance contract is terminated, we will refund the cash value of the insurance policy. If the insurance premium has been paid, we will not refund the cash value of the insurance policy.