COMMERCIAL INSURANCE

Intentional self Injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol).

Accident while under the influence of alcohol or drugs.

Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion.

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

Whilst engaging in Aviation or Ballooning or whilst mounting into, dismounting from or traveling in any balloon or aircraft other than as passenger(fare paying or otherwise) in any duly licensed standard type of aircraft.

Participating in motor racing or trial run as a driver, co-driver or passenger.

Curative treatments or interventions that the Insured Person carries out or have carried out on his body

Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these

Any existing disablement prior to the inception of the Policy.

Venereal or sexually transmitted diseases, HIV (Human Immunodeficiency Virus) or HIV related Illness including AIDS (Acquired Immune Deficiency Syndrome) and / or mutant derivatives or

Any Medical expenses, services, supplies or treatment or Hospital stay which were not recommended or approved as Medically Necessary by a Medical Practitioner.

Any expense incurred which is not exclusively medical in nature/ Unproven or Experimental treatment of any description.

Expenses incurred for emergency medical evacuation.

War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage or under the order of any government or public authority.

Nuclear energy, radiation.