ﺯﯾﺎﻧﻬﺎی ﺍﺳﺘﺜﻨﺎ ﺷﺪﻩ Excluded loss ﺯﯾﺎﻧﻬﺎﯾﯽ ﮐﻪ ﺑﻪ ﻣﻮﺟﺐ ﻗﺮﺍﺭﺩﺍﺩ ﺑﯿﻤﻪ ﺍﺯ ﺷﻤﻮﻝ ﺗﻌﻬﺪﺍﺕ ﺑﯿﻤﻪﮔﺮ ﺧﺎﺭﺝ ﺍﺳﺖ.