If you buy insurance, you will not be compensated for suicide, and will the insurance pay if you com

Whether or not to compensate for suicide after buying insurance should be analyzed according to the actual situation.

According to Article 44 of the Insurance Law, if the insured commits suicide within two years from the date of the conclusion of the contract or the restoration of the validity of the contract, the insurer shall not be liable to pay the insurance money. However, the insured is an incapacitated person at the time of suicide.

If the insurer does not bear the responsibility to pay the insurance money in accordance with the provisions of the preceding paragraph, it shall refund the cash value of the insurance policy in accordance with the contract.

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In other words, if the insured commits suicide within 2 years of insurance, there is no compensation, and the beneficiary can receive up to the cash value of the policy. If it is more than 2 years, the death benefit can be paid. If the insured person is incapacitated for civil conduct (a minor under the age of 8 or an adult who cannot recognize his or her own behavior) at the time of suicide, he or she is not subject to the foregoing.

The two-year grace period is set up to reduce adverse selection and prevent people who deliberately commit suicide from purchasing insurance. On the other hand, it serves as a buffer for those who want to commit suicide, and two years can change a lot, which may allow the insured to rekindle the courage to live.

For more information about the disclaimer clause, the senior sister has sorted it out in this article, and friends who want to know more about it can poke: What is the exclusion clause of insurance, and how to look at it? If you don't understand, you'll suffer a big loss!

Of course, in addition to force majeure such as nuclear explosion and war, the common exemption clauses in life insurance products include: the insured intentionally commits a crime or resists criminal coercive measures taken in accordance with the law, the insured takes, consumes or injects drugs, the insured drives under the influence of alcohol, drives without a valid driver's license, or drives a motor vehicle without a valid driver's license.

Before this topic, we have to understand what the "suicide clause" in the insurance contract is.

Article 44 of the Insurance Law stipulates that:

In the event of a contract in which the death of the insured is a condition for the payment of insurance benefits, if the insured commits suicide within two years from the date of the conclusion of the contract or the restoration of the validity of the contract, the insurer shall not be liable for the payment of the insurance money, except for the person who is incapacitated for civil conduct at the time of the insured's suicide.

If the insurer does not bear the responsibility to pay the insurance money in accordance with the provisions of the preceding paragraph, it shall refund the cash value of the policy in accordance with the contract.

Literally and simply, after buying the corresponding insurance, if the insured commits suicide, the contract is concluded or reinstated within two years without compensation, and the insurance company must pay after two years.

The so-called corresponding insurance is an insurance contract with the death of the insured as the condition for the payment of insurance benefits, which actually refers to life insurance contracts, including whole life insurance, term life insurance, and now combined critical illness insurance.

Comprehensive insurance, annuity insurance.

and pension insurance.

Accident insurance.

Although the contract also has death liability and is also based on the death of the insured as a condition for the payment of insurance benefits, it is generally a short-term contract with a period of less than one year, and it will never meet the important condition of suicide "after two years", so it will not be claimed. Although many long-term insurance contracts have an accident insurance contract, as far as the rider itself is concerned, it is still a one-year insurance contract and there is no suicide clause.

So the exact answer is to buy a life insurance contract, commit suicide within two years, only return the cash value, and commit suicide after two years, and pay according to the death liability.

And if you buy accident insurance, you will not be compensated for suicide at any time. Insurances such as accidental medical treatment, hospitalization medical treatment, and hospitalization allowance will not cover medical expenses caused by suicide.

It needs to be determined according to the actual situation.

In this case, the Insurance Law provides that if the insured commits suicide within two years from the date of the conclusion of the contract or the restoration of the validity of the contract, the insurer shall not be liable to pay the insurance money, unless the insured is incapacitated at the time of suicide.

In addition, there are some exclusions in the terms of the insurance. In the event of the circumstances listed in the exclusion clause, the insurance company is generally not liable for the insurance payment: what is the exclusion clause of the insurance and how to look at it? If you don't understand, you'll suffer a big loss!

Yes, but there will be some time limits.

It depends on what type of insurance you buy.

For example, there is definitely no accident insurance, and there will be no medical insurance.

Generally, life insurance is likely to be paid for suicide, but most of them require two years to complete. But not every life insurance policy has it, and it must be in the clause. If suicide is directly excluded, then there is none.

Compliance: You have to buy long-term life insurance, and you can only make a claim if you commit suicide after the policy is in effect for two years.

Whether or not suicide insurance pays depends on the actual situation.

If you buy life insurance, you will not be compensated if you commit suicide within two years from the effective date of the insurance contract. If you commit suicide two years after the effective date, you can pay for it. If you have accident insurance, suicide is exempt from liability and will not be claimed.

In the case of critical illness insurance, if you commit suicide within two years from the effective date of the insurance contract, the insurance company will not pay for suicide with death benefit. If you commit suicide two years after the effective date, you can pay compensation. In the case of critical illness insurance without death benefit, the insurance company can pay the cash value if the insured person dies by suicide.

The cash value refers to the surrender amount of a life insurance policy. In life insurance with a longer insurance period, a single premium or balanced pure premium system is adopted. When the insured requests to surrender the policy, the insurer deducts a certain surrender fee from the liability reserve, and the balance is returned to the insured or the policyholder as a surrender payment.

No compensation, this is an exemption clause, thank you.

After taking out the insurance, if the beneficiary of the insurance commits suicide, it will not be compensated, and the insurance company will not compensate.

If you buy insurance, the suicide insurance company will not pay for it.

Article 66 of China's Insurance Law stipulates that if the insured commits suicide in a contract where death is the condition for the payment of insurance benefits, the insurer shall not be liable for the payment of insurance benefits, but shall refund the insurance premiums paid by the policyholder according to the insurance policy. The Insurance Law defines suicide claims as follows: In a contract where the death of the insured is a condition for the payment of insurance benefits, if the insured commits suicide within two years from the date of the conclusion of the contract or the restoration of the validity of the contract, the insurer shall not be liable to pay the insurance money, unless the insured is a person with no capacity for civil conduct at the time of suicide.

So, if you buy insurance, the suicide insurance company will not compensate you.

Extended Information:1Insurance: refers to a commercial act in which the insurance premium is set up to compensate the insured for the loss caused by natural disasters or accidents, or for the death of an individual, disability, illness or when the age limit agreed in the contract is reached.

From an economic point of view, insurance is a financial arrangement for sharing accident losses, and from a legal point of view, insurance is a contractual act, which is a contractual arrangement in which one party agrees to compensate the other party for losses. From the perspective of society, insurance is an important part of the social and economic security system, and it is an important part of social production and social life"Mature stabilizers"From the perspective of risk management, insurance is a risk management method.

2.Types of Insurance:

1) According to the different subject matter of insurance, it can be divided into property insurance, life insurance and liability insurance.

Property insurance: insurance with property or other property interests as the subject matter.

Life insurance: insurance that takes a person's life, body, or health as the subject of insurance.

Liability insurance: insurance with the insured's civil liability for damages as the subject of insurance.

2) According to different insurers, it can be divided into personal insurance and business insurance.

Personal Insurance: Insurance that takes an individual or a family as the insured.

Business insurance: Factories, shops and other business units as the insured insurance.

3) According to the different forms of implementation, it can be divided into compulsory insurance and voluntary insurance.

Compulsory insurance: also known as statutory insurance, which is compulsory for the insured to participate in by a decree issued by the state.

Voluntary insurance: Insurance realized by the parties entering into an insurance contract on the basis of voluntary negotiation.

4) According to the different types of business underwriting, it can be divided into primary insurance and reinsurance.

Original insurance: refers to the insurance in which the insurer bears direct and original liability for the loss caused by the insured accident caused by the insured accident.

Reinsurance: Insurance in which the original insurer bears the risk in the first phase, and then insures with other insurers and shares the risk with them.

The first thing you need to do is look at what kind of insurance you are buying. If it is a short-term accident insurance, the suicide does not belong to the person who was caused by an external force**, so the accident insurance cannot be claimed.

Long-term life insurance, on the other hand, depends on the specific terms and conditions. Some clauses explicitly state that suicide is exempt from liability and cannot be claimed. Some life insurance policies stipulate that suicide within 1-3 years after purchasing the insurance cannot be claimed, but compensation can be obtained after the time limit.

All in all, suicide is usually not covered by insurance, and there are many requirements for compensation, which is also to avoid the risk of malicious insurance fraud.

The documents for the death claim need to be as follows:

1. An insurance policy with normal legal effect.

2. The death certificate, spark slip, certificate of account cancellation, and a copy of the ID card of the insured 3 The ID card of the beneficiary is not indicated, and it is apportioned in the order of inheritance.

4. Specify the account number of the bank where the account is opened.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Whether suicide insurance pays depends on the actual situation.

If it is a life insurance, if you commit suicide within two years from the effective date of the insurance contract, the insurance company will not compensate for it, and if you commit suicide after two years of effectiveness, you can compensate; If it is an accident insurance, suicide is an exclusion clause and will not be claimed; If it is critical illness insurance, if you commit suicide with death benefit from the effective date of the insurance contract, the insurance company will not compensate for suicide, and if you commit suicide after two years of taking effect, you can compensate; In the case of critical illness insurance without death benefit, the insurance company can pay the cash value if the insured person dies by suicide.

Accident insurance refers to the act or contract in which the policyholder pays a certain amount of insurance premium, and the insurer promises to pay the insurance money to the insured in the event of physical injury and disability or death due to a disaster within a specific scope. The disaster accident that causes accidental injury to the insured referred to here should have four elements: external, sudden, unintentional and non-disease.

At that time, it was not compensatory to commit suicide after buying insurance. If you commit suicide two years after buying insurance, you will be compensated.

If you commit suicide, the insurance will not pay.

Legal Analysis: Suicide falls under the exclusions in life insurance contracts. If the insured commits suicide two years after the date of its establishment, the insurance company will compensate the insured if the contract is signed with death as a condition for the payment of insurance benefits, and if it is less than two years old, it will not be compensated.

Legal basis: Insurance Law of the People's Republic of China

Article 10 An insurance contract is an agreement between the policyholder and the insurer on the relationship of insurance rights and obligations.

The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract.

An insurer refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money in accordance with the contract.

Article 11 The conclusion of an insurance contract shall be made through consensus and the rights and obligations of all parties shall be determined in accordance with the principle of fairness.

Except where laws and administrative regulations stipulate that insurance is mandatory, insurance contracts are concluded voluntarily.

Article 31 The insured shall have an insurance interest in the following persons:

a) Personally; 2) Spouses, children, parents;

3) Other family members and close relatives who have a relationship of support, support or support with the insured person other than those mentioned in the preceding paragraph;

4) Workers who have an employment relationship with the insured.

In addition to the provisions of the preceding paragraph, if the insured agrees to the policyholder to conclude a contract for him, the policyholder shall be deemed to have an insurance interest in the insured.

If the policyholder does not have an insurance interest in the insured at the time of the conclusion of the contract, the contract shall be invalid.

Article 48 When an insured event occurs, if the insured does not have an insurance interest in the subject matter of the insurance, he shall not claim compensation from the insurer.