The insured person willfully exposing himself to needless peril ( except in an attempt to save human life ) or the insured person committing or attempting to commit suicide or self - injury or any criminal or felonious act 被保险人自愿招惹不必要之危险(欲拯救他人之生命者除外) 、自杀、自加伤害，或因触犯刑章的不法行为。
