1. Pre-existing Medical Conditions
2. Suicide or attempted suicide, intentional self-injury
3. By the effect or influence of alcohol or drugs
4. Directly or indirectly by AIDS or ARC and HIV related diseases
5. Pregnancy, childbirth (including surgical delivery), abortion, miscarriage and its related complications except miscarriage due to bodily injury as a direct result of an Accident.
6. Travelling on, or against medical advice
7. For the purpose of obtaining treatment and medical check-up.
8. Physiological or psychosomatic disorders.
9. Engaging in sports or games in a professional capacity
10. Dangerous and adventure activities eg. racing, motor rallies and competitions, mountaineering, rock climbing, and hiking/trekking, pot-holing, parachuting, sky diving, high diving and hot air balloon.
11. Related to any illegal activities.
12. Loss or damage to hired or leased equipment; testing of any kind of conveyance.
13. Employment on oversea in connection with any trade, employment or profession.
14. War, invasion, act of foreign enemy hostilities, civil war, rebellion, revolution, insurrection, strike, riot or civil commotion, terrorist
15. Ionizing radiations or contamination by radioactivity, nuclear component
16. Consequential loss or damage of any kind