Xiamen youxincheng life insurance company

The quality of an insurance company depends on its product, culture and historical background.

As a foreign insurance company, British Prudential Life has only three exemption clauses inherited from British Prudential tradition. There are nine life insurance companies in China.

From this perspective, Prudential's proposition is broader.

Insurance exemption clause is one of the important interests of the insured and the insured. In the event of an accident in the exemption clause, it is natural that the insurance company will not pay compensation, because the insurance company is also fulfilling the insurance contract, so when purchasing insurance, choosing an insurance company has become a very important link, which is related to its own vital interests and cannot be ignored!

For example, quite a few insurance companies regard drunk driving as an exemption clause, that is, whether you are drunk or not, as long as you drink alcohol, even if it is only a little, once something goes wrong, the insurance company can justify it, because the insurance contract stipulates that drunk driving does not compensate.

Xincheng life insurance co., ltd

1. The insured has committed a crime or resisted arrest.

2. The insured commits suicide within two years from the effective date of this supplementary contract.

3. The insured or beneficiary intentionally causes harm to the insured;

China life insurance co., ltd.

1. The insured or beneficiary intentionally kills or injures the insured;

2. The insured intentionally commits a crime or resists arrest;

3. The insured smokes, smokes or injects drugs;

4. The insured commits suicide within two years from the effective date (or reinstatement date) of this contract;

5. The insured is drunk driving, driving without a valid driver's license or driving a motor vehicle without a valid driver's license;

6. The insured is infected with HIV (HIV positive) or suffers from AIDS;

7. Congenital diseases;

8. War, military conflict, riot or armed rebellion

9, nuclear explosion, nuclear radiation or nuclear pollution and diseases caused by it.

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