现行的行业车险条款(商业机动车辆保险合同)中在“责任免除”项下规定:发生意外事故时,驾驶人依法应当进行体检的未按期体检或体检不合格,保险公司不负责赔偿责任。由于没有任何限制性内容,则对上述保险条款的文义理解就是无论什么原因和理由,只要是驾驶员在出险当时未进行体检或体检不合格,按照保险合同约定的,保险公司就可以免责拒赔。诚 The current industry auto insurance terms (commercial motor vehicle insurance contract) under the “liability exemption ” under the provisions of: in the event of an accident, the driver should be carried out in accordance with the law on medical examination or physical examination failed to pass the insurance company is not liable for compensation . As there is no restrictive content, then the above terms of the plain text is for whatever reason and reason, as long as the driver was out of time at the time of the medical examination or physical examination failed, according to the insurance contract, the insurance company can be exempt from liability pay. Honest