The waiting period is 30 days from the effective date of this contract, and there is no waiting period for renewal.
If the insured falls ill during the waiting period, whether it is during the waiting period or not, we are not responsible for hospitalization and emergency treatment caused by the disease.
Exempt the medical expenses incurred by the insured due to one of the following circumstances, and we are not responsible for paying the insurance money:
1. Past diseases not notified in writing, except for diseases and treatments specially agreed in this contract;
2. Hospitalization with only symptoms of clinical discomfort and undiagnosed admission diagnosis and discharge diagnosis (subject to the International Statistical Classification of Diseases and Related Health Problems (ICD- 10) promulgated by the World Health Organization);
3. Treatment that does not meet the national "Clinical Technical Operation Standard";
4. Suffering from congenital malformation, deformity or chromosomal abnormality, hereditary diseases and occupational diseases;
5 HIV infection or AIDS (except caused by blood transfusion) treatment fees and STD treatment fees; Addictive substance outpatient withdrawal treatment fee; The insured accepts pregnancy (including ectopic pregnancy) and its complications, abortion, delivery, birth control, infertility and sterilization operations and medical services (abortion and delivery caused by accidental injuries are not limited);
6. Rehabilitation caused by non-accidental injury, circumcision, non-medically necessary hormone therapy, alopecia treatment, beauty, weight loss, breast enhancement or breast reduction surgery, sleep-related research or treatment, smoking cessation, orthopedics and cosmetic surgery;
7. The insured intentionally commits a crime, commits suicide (except that the insured commits suicide as a person without civil capacity), self-injures, resists arrest, is drunk, actively takes drugs or injects drugs; Or the insured is fighting, attacked or murdered due to provocation or intentional behavior; Or medical expenses caused by intentional homicide, intentional injury and complications caused by any of the above reasons;
8. The insured is drunk driving, driving without a valid driver's license or driving a motor vehicle without a valid driver's license; Causing injury or not taking, smearing or injecting drugs according to the doctor's advice;
9. The insured engages in the following high-risk sports: diving, water skiing, rafting, skydiving, rock climbing, bungee jumping, driving a glider or paraglider, exploring 39, wrestling, boxing, participating in or being trained in professional sports, martial arts competitions, stunts, horse racing and car racing;
10. Dental restoration, dental plastic surgery, vision correction or installation of hearing AIDS or other accessories;
1 1. Accidents or diseases caused by the insured's activities or sports that are not suitable for his health; 12. War, military action, riots, armed rebellion, nuclear explosion, nuclear radiation, nuclear pollution and terrorist acts; 13. the cost of cryopreservation, implantation and replantation of any living cells by the remains or donors; 14. Injuries caused by drug allergy, food poisoning or taking, smearing or injecting drugs without the doctor's advice; 15. Medical expenses incurred by the insured due to medical accidents and/or medical accidents caused by examination, anesthesia, surgical treatment and drug treatment; 16. Expenses incurred by experiments or research treatments without scientific or medical approval and their consequences; 17. Immunization, vaccination or vaccination.