The insured takes medicines without doctor’s permission, excluding the usage of the OTC drugs in
accord with the instruction book;
11) 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；
Medical expenses arising from a traffic accident caused by the Insured who drove after drinking, and
had no legal and valid driving license or drove a motor vehicle without a valid driving permit
12) 被保险人患性病、艾滋病或感染艾滋病病毒期间因疾病导致的医疗费用；
Treatment expenses of sexually transferred diseases, AIDS or diseases caused by the infection of HIV
13) 战争、军事冲突、暴乱、武装叛乱、化学污染或恐怖行为；
Chemical contamination, wars, military conflicts, riots or armed rebellions
14) 核爆炸、核辐射或核污染。
Nuclear explosions, nuclear radiation, nuclear contamination
伤残程度与给付比例表 Disability level& reimbursement schedule
本合同约定的伤残评定标标准：《人身保险伤残评定标准》,详见下页条款 20-35 页
伤残等级
赔付比例
Disability level
Reimbursement Rate
按《人身保险伤残评定标准》
1级
2级
3级
4级
5级
6级
7级
8级
9级
10级
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
37 / 42
平安健康保险股份有限公司 Ping An Health Insurance Co., Ltd.