Insurance is not all-purpose, what to protect, what to protect, write very clearly on the contract, the share that does not maintain calls responsibility to absolve, call except responsibility again.
One, is responsibility absolved which to look?1, fixed format: There is place of a fixed format on the clause, show " responsibility is absolved " 4 words, these circumstances not compensate;
2, other avoid duty: Still have a few not the circumstance of compensate, for example franchise, disease is planted in the definition avoid duty, extraordinary agreement;
2, is general character avoided duty what is there? Policy-holder is right the person that be protected injures the person that be protected intentionally drive after wine of the intended crime, suicide inside two years, drive without card disease of transmissibility of warlike commotion, nuclear explosion, congenital diseaseMajor product can include above avoid duty circumstance.
3, different risk plants avoid duty difference1, serious illness risk: Plant in disease circumstance of except of the existence on the definition, for instance certain product loses the sight 3 years old the following not compensate;
2, fixed birthday danger: Disclaimer is least, general 3-5 or so, no matter disease body is reason, accident,die, sudden death is OK of compensate;
3, medical treatment danger: Disclaimer is most, danger of medical treatment of some sell like hot cakes has 25 to avoid duty, wait to be not protected toward rehabilitation of disease, recuperate, occupational disease already;
4, accident danger: Heatstroke, sudden death do not attribute a mishap, do not protect commonly, some returns headroom of can extraordinary agreement to fall to be not protected, drown the accident protects frontal halve.
4, what effect to have to me?The general character disclaimer of major product, it is to be on guard moral risk is mixed illegal crime, will tell to Everyman, the impact is not big.
The key pays close attention to the disclaimer of poor dissimilation, what to protect besides the insurance that knows to buy, pay close attention to even what to protect.
5, contract provision exampleIt is with clause of some fixed birthday danger exemple:
2.1 responsibility are absolved
Because of following 1-3 one of case cause total damage of insurant die or body, our company do not assume the responsibility that pays insurance gold:
1, the policy-holder intended killing, intended harm to insurant;
2, insurant commits a crime intentionally or defy the criminal coercive measures that adopts lawfully;
3, since the day that insurant holds water from this contract or contract effectiveness resumes commit suicide inside 2 years, but the except that does not have person of civil action competence is when the suicide.
2.2 other disclaimer
Except " 2.1 responsibility are absolved " outside, there still is a few to exempt the item of our company responsibility in this contract, detailed sees " break down of 3.3 contracts effectiveness " " 4.2 insurance accident informs " " 5.1 hesitation period " " 7.4 clear specifications and inform according to the facts " " 7.5 ages are handled with the mistake certainly " in add thick content.
6, outspread read1, how does insurance deceive people? Understand this at 2 o'clock, nobody can hole you
2, how does clauses look after all? The expert sees this only normally at 4 o'clock!
