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 被保險(xiǎn)人自愿招惹不必要之危險(xiǎn)(欲拯救他人之生命者除外) 、自殺、自加傷害,或因觸犯刑章的不法行為。