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AGE LIMIT - Unless otherwise stated in the Policy Schedule, the age eligibility of the Insured Person to qualify this Policy is as follows:

· Student: two (2) to twenty-one (21) years old.

· Teacher and employee: sixteen (16) to sixty-five (65) years old.

All ages refer to the age of the Insured Person’s next birthday.

DISAPPEARANCE - It will be presumed that death has occurred if the Insured Person has been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this Policy. If at any time after payment has been made by Us for such claim, the Insured Person is found to be living, full refund shall be made to Us.

Exposure - If as a result of an Accident covered by this Policy, the Insured Person is unavoidably exposed to the natural elements and as a result of such exposure suffers any loss as specified in this Policy, such specific loss will be covered subject to the terms of this Policy.

Limit per conveyance - Unless otherwise stated in the Policy Schedule, compensation payable in respect of Accidental Death or Permanent Disablement occurring whilst a number of Insured Persons are travelling in the same conveyance shall be limited to a maximum of Ringgit Malaysia two million and five hundred thousand (RM 2,500,000). In the event the aggregate exceeds the said amount, We shall pay the claims on a proportionate basis.

EXCLUSIONS - We shall not be liable for any claims directly or indirectly caused by or which results from:-

1. The Insured Person engaging in or taking part in:-

a) Armed forces, naval or air force service or operations;

b) Professional sports, winter sports other than skating;

c) Rock climbing or mountaineering necessitating the use of ropes or guides, potholing, martial arts or boxing, underwater activities exceeding fifty (50) metres in depth, hang gliding, bungee jumping, parachuting or any kind of race other than on foot;

d) Air travel except as a fare-paying passenger on a recognized airline operating on regular scheduled air routes and air travel by any charter aircraft duly licensed as a recognized air carrier and flown by professional crews between properly established and maintained airports.

e) Criminal act or any illegal activities.

2. Intoxication of alcohol or drug, unless the drug is taken under the direction of a legally qualified medical practitioner provided such direction is not for the treatment of drug addiction.

3. Provoked murder or assault intentional self- injury, suicide or attempted suicide or any attempt thereat while sane or insane.

4. Pregnancy, childbirth, miscarriage, mosquito bite (not applicable to Benefit A and Benefit E), sickness, disease or medical disorder.

5. Pre-Existing Condition

6. Deliberate exposure to exceptional danger (except in an attempt to save human life).

7. HIV (Human Immunodeficiency Virus Infection) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) or AIDS Related Complex (ARC) however caused and/or any mutant derivatives, variations or treatment thereof however caused.

8. Direct participation in riot or civil commotion, invasion, acts of foreign enemies, hostilities (whether War be declared or not), rebellion, revolution, insurrection or military or usurped power.

9. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exclusion combustion shall include any self-sustaining process of nuclear fission.

10. War, civil War - whether declared or not.

11. Any act of terrorism.

12. Sanction - We shall not be deemed to provide coverage or will make any payments or provide any service or benefit to any Insured or Insured Person or other party to the extent that such cover, payment, service, benefit would violate any applicable trade or economic sanctions law or regulation.

13. Epidemic and/or pandemic.


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@ kooagency web services since Aug 2000