Accidental injury insurance, also known as accidental injury insurance, provides insurance compensation for the insured's death, disability or outpatient and inpatient medical treatment caused by accidental injury. Accident insurance generally refers to the behavior or contract that the insured pays a certain amount of insurance premium and the insurer promises to pay the insurance premium when the insured encounters disasters or accidents within a specific range, resulting in disability or death. The body here refers to the natural body of the insured, excluding artificial limbs, dentures, artificial eyes and other unnatural parts. If artificial limbs, artificial eyes, etc. are injured, the insurance company will not settle claims, and accidents in accident insurance must meet four conditions.
In addition, the insurance company shall not be liable for the payment of insurance benefits if the insured dies, is disabled or burns due to one of the following circumstances:
1. The insured intentionally kills or injures the insured.
2. The insured commits suicide, intentionally injures himself, intentionally commits a crime or intentionally acts, resulting in fighting or being attacked, and resists formal compulsory measures taken according to law.
3. The insured drinks alcohol, actively takes drugs or injects drugs.
4. The insured is drunk driving, driving without a valid driver's license or driving a motor vehicle without a valid driver's license.
5. Accidents caused by mental illness of the insured.
6. Injuries caused by the insured due to pregnancy, abortion, childbirth, drug allergy and other reasons.
7. Injury caused by the insured's unauthorized use of drugs without following the doctor's advice.
8. Injuries caused by diving, skydiving, rock climbing, gliding, paragliding, exploration, wrestling, martial arts competitions, skill performances, horse racing or racing.
9. War, military conflict, riot or armed rebellion.
10, nuclear explosion, nuclear radiation, nuclear pollution.
When the accident insurance contract is terminated due to the above 1 situation, the insurance company will refund the premium paid by the accident insurance contract to the beneficiary in proportion. When the accident insurance contract is terminated due to the above other circumstances, the insurance company will refund the premium paid by the accident insurance contract to the insured in proportion.