Not insurable and accident harm includes the following content : ( 1 ) the accident harm that insurant suffers in guilty activity ; ( 2 ) insurant makes disturbance intentionally instigate the accident harm that cuff place suffers ; ( 3 ) insurant is in bacchic , suck or inject drugs ( wait for anaesthetic , a shot in the arm , hallucinogen like herion , opium , hempen , herion ) late unripe accident harm 不可保意外伤害包括以下内容： （ 1 ）被保险人在犯罪活动中所受的意外伤害； （ 2 ）被保险人故意制造事端挑起殴斗所受的意外伤害； （ 3 ）被保险人在酒醉、吸食或注射毒品（如海洛因、鸦片、大麻、吗啡等麻醉剂、兴奋剂、致幻剂）后发生的意外伤害。
