(1) A ninguna póliza de seguro de indemnizaciones a obreros o póliza de seguro de responsabilidad con cubierta complementaria o sin la misma; ni
(2) A ninguna póliza o contrato de reaseguro; ni
(3) a ninguna póliza de seguro general o de seguro colectivo, o
(4) a seguro de vida, contratos de seguro dotal o de rentas anuales, o contratos complementarios de los mismos que sólo contengan cláusulas relativas a seguros contra accidente o enfermedades, que:
(a) Provean beneficios adicionales en caso de muerte o pérdida, por accidente, de algún miembro o de la vista, o
(b) que surtan el efecto de proteger tales contratos contra su caducidad, o de conceder un valor especial en efectivo o un beneficio especial o una renta anual en caso que el asegurado o rentista se incapacite total y permanentemente, según se defina en el contrato o el contrato complementario. Disponiéndose, sin embargo, que las secs. 1609, 1610 y 1613 de este título, aplicarán a contratos complementarios a seguros de vida, contratos de seguro dotal o de rentas anuales.
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