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class=\"textIndent2\">\n\t<b> （二）被保险人故意犯罪或者抗拒依法采取的刑事强制措施； </b> \n</p>\n<p class=\"textIndent2\">\n\t<b> （三）被保险人自杀，但被保险人自杀时为无民事行为能力人的除外； </b> \n</p>\n<p class=\"textIndent2\">\n\t<b>（四）被保险人猝死；</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>（五）被保险人醉酒，斗殴，故意自伤，服用、吸食或注射毒品；</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>（六）被保险人因食物中毒、整容、药物过敏、医疗事故或精神和行为障碍（依照世 界卫生组织《疾病和有关健康问题的国际统计分类（ICD-10）》确定）导致的伤害； </b> \n</p>\n<p class=\"textIndent2\">\n\t<b>（七）被保险人因妊娠（含宫外孕）、流产、分娩（含剖产）导致的伤害； </b> \n</p>\n<p class=\"textIndent2\">\n\t<b>（八）被保险人酒后驾驶，无合法有效驾驶证驾驶，或驾驶无有效行驶证的机动车； </b> \n</p>\n<p class=\"textIndent2\">\n\t<b>（九）被保险人未遵医嘱，私自服用、涂用、注射药物；</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>（十）被保险人从事高风险运动，包括但不限于潜水、跳伞、攀岩、探险、蹦极、驾 驶滑翔机、武术比赛、摔跤、特技表演、赛马、赛车等；</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>（十一）被保险人患精神疾病（以世界卫生组织颁布的《疾病和有关健康问题的国际 统计分类（ICD-10）》为准）；</b> \n</p>\n<p class=\"textIndent2\">\n\t<b>（十二）被保险人在保险责任开始之前所患疾病及其并发症，或者已经出现的症状、 体征、生理缺陷、残疾等，但在投保时已书面告知本公司的除外；</b> \n</p>\n<p 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