Act governing of Group lnsurance of Students at Schools at Senior Secondary Level or Below and Young Children at Educare Service lnstitutions Article 16

If the Insured dies is disabled or injured, or falls sick as a result of any of the following circumstances, no insurance benefit is payable under the group insurance:1. Intentional behavior by the Insured. However the death benefit will still be paid if the Insured has died as the result of a deliberate suicide attempt after having been enrolled in the group insurance for two full consecutive years.2. The Insured was engaged in some criminal activity.3. The Insured had illegally used any drugs specified in the Narcotics Hazard Prevention Act.4. War（whether declared or undeclared）, civil disorder, and any other similar armed rebellion.5. Any other circumstance which has been reviewed by the Insurance Premium Review Committee, and ratified and made public by the central competent authority.A beneficiary who causes the death of the Insured intentionally or as a result of their criminal conduct forfeits their right to be a beneficiary.If a beneficiary has forfeited their right to be a beneficiary in the circumstances referred to in the preceding paragraph, and there is no other beneficiary to receive the insurance benefit, the benefit that the person would have been entitled to receive will become part of the estate of the Insured. If there are any other beneficiaries, then the share of the estate that the beneficiary who has forfeited their right to be a beneficiary was originally entitled to shall be proportionately allocated to the other beneficiaries as agreed upon by those other beneficiaries.