重疾险的染色体相关疾病免责条款具体是哪些？-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	重疾险的染色体相关疾病免责条款具体是哪些？
释义	法律分析：重疾险保险公司在投保前会明确列出染色体相关疾病免责条款，这些疾病通常是由基因突变引起的，包括但不限于先天愚型、肌肉萎缩症、囊性纤维化等。如果被保人确诊患有染色体相关疾病，保险公司则不承担赔偿责任。法律依据： 1.《保险法》第四十六条：保险合同应当明确约定保险公司不承担赔偿责任的情形。 2.保险合同的免责条款应当符合《消费者权益保护法》第二十四条规定，不得损害消费者合法权益。 3.重疾险产品说明书及保险合同应当明确列明染色体相关疾病免责条款，以确保消费者知情选择。
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