Exclusions

This Policy does not cover any event, which is caused directly or indirectly by, or which results from:  

• Any consequence of war, act of terrorism, invasion or civil war, rebellion or insurrection, strike, riot, civil commotion, military or popular uprising, seizure, capture, arrests, restraints and detainment of all kinds. 

• The use, existence or escape nuclear weapons material or ionising radiation from or contamination by radioactivity from any nuclear fuel or nuclear waste from the combination of nuclear fuel. 

• The Insured Member engaging in or taking part in:

1. a) driving or riding any kind of race, including trial run as a driver, co-driver or passenger of such race
2. b) Professional Sports
3. c) full time service of any armed forces of any country
4. d) winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), any bodily contact sport or any other hazardous or potentially dangerous sport for which the Insured Member is untrained. 

• Flying or any aerial activity except as passenger in a properly licensed power-driven aircraft (the word ‘passenger’ does not include any member of the aircrew or a technician working in or upon an aircraft). 

• Intentional self-injury or suicide, being under the influence of alcohol or drugs whilst driving a motor vehicle; being under the influence of other intoxication or hallucinogens.

• Childbirth or pregnancy, miscarriage, abortion, or complications arising out of any of these, notwithstanding that such event may have been accelerated or induced by Accident. 

• An event sustained after the Insured Member attains 65 years of age unless specifically insured with the written consent from Insurer. 

• An event directly or indirectly arising out of or consequent upon or contributed to by (AIDS) or AIDS related complex (ARC) howsoever this syndrome has been acquired or may be named. 

• Any other payment for the same Insured Member after a claim under Insured Event 1.1 or 100% of Insured Event 1.2 as specified in the Benefit Schedule has been admitted and becomes payable. 

• Any Accident of which a contributing cause was the Insured Member’s actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or his/her resistance to arrest. 

• Any existing disablement or condition prior to the Inception of the Policy or prior to the Effective Date of such Insured Member. 

• Any expenses incurred for emergency medical evacuation or repatriation, unless specifically insured or covered under Insured Event “2 - Local Ground Ambulance”.