The insurer also has the right to refuse insurance payment if the insurance event occurred before the start of contract or before the start of insurance period, or after the contract expiration.
Besides, life insurance companies refuse to pay when a person commits suicide. However, the refusals in this case are possible in case of deliberate committing suicide in order to get insurance payment by the beneficiary.
Use of alcohol, toxic substances, as well as narcotic, potent and psychotropic substances, medical preparations without doctor's prescription or prescribed by a doctor but exceeding dosage, or having medical procedures without doctor's prescription are also the reasons for claim denial (coverage amount).
Source: https://www.forbes.com/advisor/life-insurance/reasons-for-claim-denial/
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