Category: Insurance tips Release Date: 2006-08-01
Sometimes, out of the insured risk, timely claims to the insurance company, after being told not paid. May result in one of the reasons for this situation is that the accident occurred in the insurance are "exclusions." Upon the occurrence of exclusions events, also can not reach the insured when purchasing the insurance in mind. So, how can you make your insurance more "insurance" mean? Fully understand the insurance provisions of the former to understand exclusion is a very important step. Life insurance contracts, insurers generally provide a number of exclusion, the main exception of a few articles on Responsibility of the following:
(1) because of war, military action, insurrection, strikes, riots and nuclear radiation due to disability or death;
(2) the insured, the insured person or beneficiary resulting from intentional acts of disability or death;
(3) The insured person's drug addiction, alcohol abuse, crimes of affray and criminal acts have caused injury or death;
(4) the insured, the insured person on this matter when the insured has concealed or deceptive conduct;
(5), AIDS, venereal diseases, congenital diseases or genetic diseases;
(6) in the insured person or reinstate the contract entered into force within two years from the date of suicide or self-mutilation.
Many different kinds of life insurance, individual insurance insurance companies also have their special characteristics, in addition to insurance companies are generally not insured risk, the insurance provisions of the insurance companies there may be some special exclusions (usually listed in the "excluded liability" provisions) are not covered. Therefore, the insured or the insurer when taking out policies, we must carefully learn about the exclusion of particularity, done a pretty good idea.
