What are the usual disclaimers in travel insurance?

The insurance editor will help you answer your questions. For more questions, you can answer them online.

Hello! With the popularization of insurance awareness, travel insurance has attracted more and more attention from tourists, but not all emergencies fall within the scope of responsibility of insurance companies. Most travel insurance in our country use the following disclaimers.

The insured or the beneficiary intentionally kills or injures the insured; the insured violates the law, commits a crime intentionally or resists arrest; the insured fights, is drunk, commits suicide, intentionally harms himself, takes, smokes, Injection of drugs; the insured being under the influence of alcohol, drugs, or controlled substances; the insured driving under the influence of alcohol, driving without a license, or driving a motor vehicle or an assistive vehicle without a valid driving license; the insured being pregnant, miscarriage, or giving birth; The insured person becomes insane or mentally disturbed; the insured person suffers a medical accident caused by examination, anesthesia, surgical treatment, or drug treatment; the insured person fails to follow the doctor's instructions and takes, applies, or injects drugs privately; without the approval of the insurance company , the insured person engages in high-risk sports and activities such as diving, skydiving, skiing, water skiing, gliding, hunting, rock climbing, adventure, martial arts, wrestling, stunts, horse racing, racing, bungee jumping, etc.; the insured person has AIDS or is infected with HIV (HIV positive) period; the insured person is declared dead by the court due to reasons other than accidental injury or natural disaster; war, military action, terrorist act, riot or armed rebellion; nuclear explosion, nuclear radiation or nuclear pollution. Expenses for orthopedics, plastic surgery, cosmetology, psychological consultation, organ transplantation, or repair, installation and purchase of disability equipment (such as wheelchairs, prostheses, hearing aids, glasses, prosthetic eyes, dentures, etc.); physical examination, recuperation, and rehabilitation of the insured Treatment; the part of the medical and medical expenses paid by the insured that should be compensated by a third party according to law, unless the perpetrator escapes or has no ability to compensate.

When applying for travel insurance, you generally choose to apply online. There are many Hong Kong and Macao summer vacation insurance products on the Internet. You can choose the travel insurance product that suits you according to your needs.