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1. No claim will be paid where the Insured Person:
- is traveling against the
advice of a Physician; or
- is receiving or on a waiting
list for specified medical treatment declared in the Physician’s
report or certificate; or
- is traveling for the
purpose of obtaining treatment; or
- has received a terminal
prognosis for a medical condition.
2. No claim will be paid arising from suicide attempted suicide or
willfully self inflicted injury or illness, mental disorder, anxiety,
stress or depression, venereal diseases, alcoholism, drunkenness or the
abuse of the drugs, or any loss arising directly or indirectly from any
injury, illness, death, loss expenses or other liability attributable to
HIV (Human Immunodeficiency Virus) and/or any HIV related illness including
AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or
variation thereof however caused.
3. No claim will be paid arising from the insured person taking part
in Naval, Military or Airforce operations.
4. No claim will be paid arising from War, invasion, acts of foreign
enemy, hostilities (Whether war be declared or not), civil war, rebellion,
revolution, insurrection, military or usurped power or confiscation or
nationalization or requisition of or destruction of or damage to property
by or under the order of any government or local authority.
5. This insurance does not cover any claim arising from the loss or
destruction or damage to any property whatsoever or any loss or expenses
whatsoever resulting or arising therefrom or any consequential loss
directly or indirectly caused by or contributed to by or arising from
- ionizing radiation or
contamination by radioactivity from any nuclear waste from the
combustion of nuclear fuel; or
- the radioactive, toxic,
explosive or other hazardous properties of any explosive nuclear
assembly or nuclear component thereof.
6. No claim will be paid arising from the participation of the Insured
person engaging in Air Travel unless he or she flies as a passenger on an
aircraft properly licensed to carry passengers. For the purpose of this
exclusion, Air Travel means being in or on, or boarding an aircraft for the
purpose of flying therein or alighting therefrom following a flight.
7. No claim will be paid arising from the participation of the Insured
person in winter sports, mountaineering (where ropes or guides are customarily
used), riding or driving in races or rallies, caving or potholing, hunting
or equestrian, skew diving or other underwater activity, rafting or
canoeing involving white water rapids, yachting or boating outside coastal
waters (2 miles). Further no claim will be paid in case Insured Person
participates in professional sports or any other hazardous sports. The
claim is neither payable if arises from participation in potentially
dangerous sports for which the Insured Person is either untrained or physically
unfit or using improper equipment.
8. No claim will be paid for losses arising from accidents on two
wheeled motorized vehicles unless at the time of the accident the driver is
duly qualified, is in possession of a current full International driving
license and the injured person is wearing a safety crash helmet, or losses
arising from accidents on two wheeled motorized vehicles over 50cc.
9. No claims will be paid for losses arising directly or indirectly
from manual work or hazardous occupation, self exposure to needless peril
(except in an attempt to save human life) or if engaging in any criminal or
illegal act.
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