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
a) Armed forces, naval or air force service or
b) Professional sports, winter sports other than
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
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
4. Pregnancy, childbirth, miscarriage, mosquito bite
(not applicable to Benefit A and Benefit E), sickness, disease or
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
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
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.