Complimentary Benefits

1. The Company shall not be liable under the Policy for any claims directly or indirectly due to, arising or resulting from

a. any consequence of war, invasion, act of foreign enemy, hostilities, warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny rising, military or usurped power, confiscation, detention, nationalisation, requisition, martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege;

b. intentional self-injury, suicide or attempted suicide (whether felonious or not) while sane or insane, willful and/or intentional act, provoked assault, intoxication, insanity, venereal disease or AIDS, childbirth or pregnancy (excluding accidental miscarriage) or abortion or any complication following therefrom;

c. the Insured Person engaging in or practising for or taking part in caving, mountaineering or rock climbing necessitating the use of guides or ropes, potholing, underwater activities involving the use of underwater breathing apparatus (other than Leisure Underwater Activities as defined in this Policy), bungee jumping, sky diving, hang-gliding, paragliding, parachuting or any activities in aerial balloon whilst airborne, motor rallies, any kind of racing or any sports in a professional capacity unless otherwise agreed in writing by the Company;

d. the Insured Person engaging in aerial activities or air travel except as a fare-paying passenger in any properly licensed aircraft being operated by a Licensed airline in accordance with published schedules of flights or timetables or in a properly licensed multi-engined aircraft being operated by any other licensed commercial air carrier;

e. bodily injuries requiring surgical treatment except such as may result directly from surgical operations made necessary solely by injuries covered by this Policy;

f. the Insured Person engaging in military, naval or air force service, police, civil defense service other than Reservist Training during peacetime;

g. the Insured Person engaging in the following occupations/work scope unless otherwise agreed by the Company and specified in the Schedule:

I. Pilots, aircrew or any occupation involving aviation activities

II. Full-time military personnel

III. Police force personnel

IV. Firefighters

V. Construction / unskilled workers

VI. Ship crew or workers on board vessels, oil, and gas rig workers, offshore workers, stevedores, shipbreakers

VII. Welding

VIII. Professional sports teams

IX. Work involving height (exceeding 30 feet above the ground or floor level) and/or works underground and/or travel beyond normal speed on land and/or handling of hazardous chemical/electricity

X. Use of Woodworking tools and machinery

XI. Professional divers and jockeys

XII. Crane operators

h. illegal acts of the Insured Person or an Insured Person’s beneficiary;

i. or is contributed to by, the Insured Person has taken a drug unless it is taken on proper medical advice and is not for the treatment of drug addiction;

j. or is contributed by, any medical condition, pre-existing conditions, congenital anomalies and conditions arising out of or resulting therefrom, physical defect or infirmity;

k. HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations thereof however caused;

2. This Policy does not cover any Accident directly or indirectly caused by or contributed to by or arising from ionizing, radiation or contamination by radioactivity from any nuclear fuel or from nuclear waste from the combustion of nuclear fuel. Solely for the purpose of this Exclusion combustion shall include any self-sustaining process of nuclear fusion;

3. The compensation provided by this Policy shall not apply to nor include any Accident and/or Bodily Injury directly or indirectly caused by or contributed to by or arising from nuclear weapons materials;

4. Accidental Death shall not in any way be presumed by reason of the disappearance of the Insured Person except in the event of the total loss by the shipwreck of the ship or air crash of the aircraft in which the Insured Person was traveling except as provided for in the Extension. The onus of proof of the Accident and the disappearance of the Insured Person as provided for in the Extensions shall in all cases rest with the claimant;

5. This Policy does not cover Cosmetic (aesthetic), Plastic or Reconstructive Surgery/Treatment, or any treatment which relates to or is needed because of previous cosmetic treatment, except as necessitated due to an event covered by the Policy;

6. This Policy does not cover any person under the age of twenty-one (21) years or over the age of sixty (60) unless otherwise agreed and specified in the Schedule

Offered Period starts from 1 June 2018 till 31 May 2019

*Note: Terms and Conditions apply