1. 要、被保險人的故意行為。

2. 被保險人的「犯罪行為」。

3. 被保險人飲酒後駕（騎）車，其吐氣或血液所含酒精成份超過道路交通法令規定標準者。

4. 戰爭（不論宣戰與否）、內亂及其他類似的武裝變亂。但契約另有約定者不在此限。

5. 因原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。但契約另有約定者不在此限。

6. 被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等競賽或表演，契約另有約定者除外。

7. 被保險人從事汽車、機車及自由車等競賽或表演，契約另有約定者除外。

 

1. Intentional acts by the policyholder or insured.
2. Criminal acts by the insured.
3. Driving under the influence where breath or blood alcohol content exceeds legal limits.
4. War (declared or undeclared), civil unrest, and similar armed conflicts, unless otherwise specified in the contract.
5. Explosion, heat, radiation, or contamination from atomic or nuclear devices, unless otherwise specified in the contract.
6. Participation in wrestling, judo, karate, taekwondo, equestrian, boxing, stunts, or similar competitions/performances, unless otherwise specified.
7. Participation in car, motorcycle, or bicycle racing or performances, unless otherwise specified.