1. Intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane; nor
2. Being in service or on duty with or undergoing training with any military or police force or paramilitary organisation; nor
3. Any period a Named Insured is serving in the Armed Forces of any country or international authority, whether in peace or war, and in such an event the Company, upon written notification by the Insured Person, shall return the pro rata premium for any such period of service; nor
4. Loss sustained or contracted in consequence of a Named Insured being intoxicated or under the influence of any narcotic or drug unless administered on the advice of a physician; nor
5. Any loss of which a contributing cause was the Named Insured's attempted commission of, or wilful participation in, an illegal act or any violation or attempted violation of the law or resistance to arrest by the Named Insured; nor
6. Any loss sustained while flying in any aircraft or device for aerial navigation except as specifically provided herein; nor
7. Congenital anomalies and conditions arising out of or resulting there from, hernia or dental treatment except to sound natural teeth as occasioned by injury; nor
8. Bacterial infections except pyogenic infections which are caused by an accidental wound; nor
9. Flying in any aircraft owned, leased or operated by or on behalf of:
(a) the Named
Insured or any subsidiary or affiliate of the Named Insured;
(b) a Named Insured or any member of a Named Insured's household; nor
10. Driving or riding as a passenger in or on
(a) any vehicle engaged in any race, speed test or endurance test or
(b) any vehicle being used for acrobatic or stunt driving; nor
11. Any claim caused by opportunistic infection or malignant neoplasm, or any other sickness condition, if, at the time of the claim, the Named Insured had been diagnosed as having AIDS (Acquired Immune Deficiency Syndrome), ARC (AIDS Related Complex) or having an antibody positive blood test to HIV (Human Immune Virus); nor
12. Terrorism, including any action taken in hindering or defending against an actual or expected incident of Terrorism; nor
13. The use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; nor
14. The dispersal or application of pathogenic or poisonous biological or chemical materials; nor
15. The release of pathogenic or poisonous biological or chemical materials; nor
16. Any loss sustained while the Named Insured is participating in any professional sports, or in sky diving, parachuting, hand gliding, bungee jumping, scuba diving, mountain climbing, pot-holding; nor
17. Any loss resulting directly or indirectly contributed or aggravated or prolonged by child birth or from pregnancy.
Please refer to the Family Shield Terms & Conditions for full details
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