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当然,这种在发生意外的同时又突发疾病的情况实际生活中不是太多,更多的是在意外发生前被保险人已经患有某种重症,即第(3)种情况。美国伤害保险单中一般载有“限制规定(Limited Coverage)”和“不保条款(Exclusionary Clause)”,对这种情况加以排除,称“直接且单独原因”原则。内容如下: 限制规定:明示保险人所承担的保险责任,以意外体伤为直接且单独原因所致的损害。 不保条款(除外责任):明定由任何疾患导致或引
Of course, in the event of an accident and sudden illness, there are not too many actual situations in life, and more so, before the accident, the insured person already has some kind of severe illness, that is, case (3). The U.S. injury insurance policy generally contains “Limited Coverage” and “Exclusionary Clause” to exclude this condition, saying “direct and individual reason” principle. The contents are as follows: Restrictions: To express the insurer’s liability for the accident, the accidental injury is a direct and separate cause of the damage. Non-warranty (Exclusions): To be determined or caused by any condition