What are the exemption clauses of overseas travel insurance?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Hello! All kinds of unexpected risks in overseas travel are unpredictable. In order to improve the protection of your overseas travel, it is necessary to choose an appropriate overseas travel insurance before departure. In order to facilitate later claims, it is wise to know the exemption scope of overseas insurance before taking out insurance.

What are the exemption clauses of overseas travel insurance?

(a) the intentional act of the applicant;

(2) The insured causes self-mutilation or suicide, unless the insured is a person without civil capacity at the time of suicide;

(3) Fighting, being attacked or being murdered due to the provocation or intentional behavior of the insured;

(4) Pregnancy, abortion, childbirth, illness, drug allergy, heatstroke and sudden death of the insured;

(5) The insured receives cosmetic surgery and other internal and surgical operations;

(six) the insured did not follow the doctor's advice and took, smeared or injected drugs without authorization;

(7) Nuclear explosion, nuclear radiation or nuclear pollution;

(8) terrorist attacks;

(9) The insured commits a crime or resists arrest;

(10) The insured participates in any professional sports activities or any sports with bonuses or rewards.

Specific to each overseas travel insurance product, the scope of liability exemption may be slightly different. It is recommended that you read the product terms carefully before insurance to avoid future troubles.

In order to facilitate your later claim, it is recommended that you read the product exemption clause carefully before taking out overseas travel insurance. In addition, it is also important to purchase through a formal insurance platform. If you apply for insurance online, our professional claims team will assist you all the time in the event of an insurance accident.