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If an insured or former insured has brought about their disability, death, or an accident constituting the direct cause thereof, or has worsen the severity of their disability or hindered the recovery thereof, through an intentional criminal act, gross negligence, or a failure to comply with medical instructions that is without reasonable grounds, it is permissible not to pay insurance benefits in whole or in part.
被保険者又は被保険者であつた者が、自己の故意の犯罪行為若しくは重大な過失により、又は正当な理由がなくて療養に関する指示に従わないことにより、障害若しくは死亡若しくはこれらの原因となつた事故を生ぜしめ、若しくはその障害の程度を増進させ、又はその回復を妨げたときは、保険給付の全部又は一部を行なわないことができる。
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