- Intentionally self-inflicted injuries, suicide or any attempt thereat, while sane or insane.
- Any bodily or mental infirmity, disease or sickness, or infection other than infection occurring because of an accidental cut or wound.
- Murder, assault or any attempt thereat, except as specifically provided under Murder and Assault Provision.
- Losses incurred while performing his duties as a member of the Armed Forces, including those of escort and security services rendered in whatever capacity or form.
- War, invasion, act of foreign enemy, hostilities or warlike operation (whatever war declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, civil commotion assuming the proportion of or amounting to a popular uprising. This exclusion shall not be affected by any endorsement which does not specifically refer to it in whole or in part.
- Poison, gas or fumes voluntarily taken, or any nuclear reaction, nuclear radiation or radioactive contamination and chemical or biological contamination. For the purposes of this exclusion, “contamination” means the contamination or poisoning of people by nuclear and/or chemical and/or biological substances which cause Illness and/or disablement and/or death.
- Accident occurring while the Insured Individual is operating or learning to operate or serving as a crew member of an aircraft or seacraft.
- Accident occurring while the Insured Individual is engaged in any dangerous sports or hobbies such as racing on wheels, glider flying , sailing or other hobbies which are comparably dangerous and risky, unless sports premium is paid to cover such risk.
- Accident caused by the effect of alcohol or any unprescribed drug on the Insured Individual.
- Any violation or attempted violation of the law or resistance to arrest by the Insured Individual.
- Cosmic or plastic surgery, any dental work, treatment or surgery, eye or ear examination, except to the extent that any of them is necessary for the repair or alleviation of damage to the Insured’s person caused solely by Accident.
- Accident occurring while the Insured Individual is performing the duties of his profession: Acrobat, Asylum Attendant, Aviator, Boilerman, Policeman, Sawmill Worker, Wood-Working Machinist and Window Cleaner.
- Accident to any of the following persons: Divers while performing underwater activities; Firemen while performing fire-fighting activities;
- Any Act of Terrorism or any action taken in controlling, preventing, suppressing, or in any way relating to, any act of terrorism. For the purpose of this exclusion, an “Act of Terrorism” means an act, including but not limited to, the use of force or violence, atomic/ biological/ chemical weapons, weapons of mass destruction, disruption or subversion of communication and information systems infrastructure and/or the contents thereof, sabotage or any other means to cause or intended to cause harm or whatever nature and/or the threat of any of the aforementioned acts, of any person or group(s), whether acting alone or in behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.