| 關 鍵 詞： |
故意行為；健康險；意外險 |
| 中文摘要： |
傷害保險承保範圍應以該意外傷害非由疾病引起之外來突發事故，並且該突發事故非被保險人故意行為所致為限。對於罹患精神疾病之被保險人為自傷行為時，因自傷行為與該疾病間並無必然性，如已達非自由意志之狀態，要無故意或自願性可言，保險人自不得免其保險責任。
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| 英文關鍵詞： |
unforeseen external events；health insurance；accident insurance |
| 英文摘要： |
Whether an insurer is obligated to pay the insured amount should be based on that injury by accident caused by unforeseen external events other than illness. When the insured person suffering from mental illness is self-mutilation, there is no causal relationship between the self-injuring behavior and the disease. If it has reached a state of non-free will, the insurer shall not exempt from its liability.
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| 目 次： |
壹、案例事實
貳、爭點
參、解析
一、傷害保險之基本概念
二、重鬱症患者自傷行為，傷害保險是否理賠？
肆、結論
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