The guidelines are quite comprehensive and there is a good amount of checks and balances so that insurance companies do not run into the risk of overexposure of such instruments. (policybazaar.com)
«Mild skin irritation is possible by overexposure of skin». (treehugger.com)
The explanation from Samsung itself, which I find less convincing, is that the variable aperture is there to prevent overexposure of really bright scenes. (theverge.com)