保险什么病不保：中英文双语阅读

中文段落：

保险在人们的日常生活中扮演着越来越重要的角色，它为我们提供了经济上的安全保障。然而，不是所有的疾病都在保险保障的范围之内。那么，保险通常不保障哪些疾病呢？

首先，先天性疾病往往不在保险保障范围内。这是因为这些疾病在投保前就已经存在，保险公司通常不会为此承担风险。

其次，一些特定的传染病，如艾滋病、梅毒等，也可能不被保险覆盖。这主要是因为这些疾病往往与个人的生活方式和行为习惯有关，保险公司可能会因此将其视为除外责任。

此外，精神疾病如抑郁症、焦虑症等，通常也不在保险保障之列。这是因为这些疾病的诊断和治疗涉及诸多复杂因素，保险公司可能难以准确评估风险。

当然，不同的保险产品和保险公司可能会有不同的规定，因此投保人在选择保险时应仔细阅读保险合同和条款，了解清楚保险的具体保障范围和除外责任。

英文段落：

Insurance plays an increasingly important role in people's daily lives, providing financial security and peace of mind. However, not all illnesses are covered by insurance policies. So, what kinds of diseases are typically not covered by insurance?

Firstly, congenital diseases are often excluded from insurance coverage. This is because these conditions existed before the policy was taken out, and insurers generally do not assume the risk for pre-existing conditions.

Secondly, certain infectious diseases, such as HIV/AIDS and syphilis, may also not be covered by insurance. This is mainly because these conditions are often linked to personal lifestyle and behavioral choices, which insurers may consider as exclusions.

Moreover, mental illnesses like depression and anxiety are typically not included in insurance coverage. This is due to the complexity involved in diagnosing and treating these conditions, which can make it difficult for insurers to accurately assess the associated risks.

It's worth noting that different insurance products and providers may have varying policies, so it's crucial for policyholders to carefully read the contract and terms to understand the specific coverage and exclusions of their insurance plan.