diff --git a/apps/web/process/recalc/validation.ts b/apps/web/process/recalc/validation.ts
index 176f85b..7b58e9a 100644
--- a/apps/web/process/recalc/validation.ts
+++ b/apps/web/process/recalc/validation.ts
@@ -316,6 +316,7 @@ export function createValidationSchema({ apolloClient }: ValidationContext) {
             }
 
             if (
+              insurance.values.fingap.insured === 100_000_001 &&
               fingapRisks.length > 0 &&
               !fingapRisks.some((fingapRisk) =>
                 accept_quote?.evo_product_risks?.some(