Would professionals please explain the exemption clause in Ping An's Letter of Advice on Underwriting? More detail

This means that the five types of insurance you bought, except life insurance A, have all passed the normal underwriting, and the insurance liability is implemented according to the contract. For enjoying life A, this is a medical insurance. Originally, the insured can apply for compensation for hospitalization for general diseases, but because you are responsible for exemption, if the insured is hospitalized for benign ovarian diseases during the insurance period, you will not pay compensation. Hospitalization caused by other diseases can be paid according to the terms of the contract. However, whether you only pay for benign ovarian diseases or other diseases caused by benign ovarian diseases, you should consult the local underwriting department, or call Ping An's national customer service hotline at 955 1 1 and ask them to help you feedback to the local underwriting department for consultation.