No benefit will be payable under this Scheme if the Death or Disability results directly, wholly or partly as a result of or related to:

  • Suicide
  • Enmity or personal, family or tribal feud or animosity of any kind.
  • Pregnancy, miscarriage, childbirth or any non-malignant disease occurring in or in connection with the female reproductive organs.
  • Self-inflicted injury, intoxication, insanity, fighting or unlawful / criminal act.
  • Flying other than as passenger in a certified commercial aircraft.
  • War, civil war or rebellion, invasion, act of foreign enemy, hostilities (whether war is declared or not) and civil commotion.
  • Service on duty with any armed, navy, air force or para-military forces
  • Hazardous sports such as motorcycling, hunting, steeple chasing, mountaineering, racing of any kind, winter sports and diving, parachuting, hand gliding, boxing, wrestling, underwater activities requiring breathing apparatus.
  • Direct or indirect result of Human Immune Deficiency Virus (HIV)
  • Alcohol, narcotic / drug unless taken as prescribed by a qualified registered medical practitioner.
  • Deliberate self-exposure to unnecessary danger except in the attempt to save human life.
  • Disease or sickness.
  • Disappearance except in the event of total loss by shipwreck of the ship or air crash of the aircraft
  • Exceeding 60 years of age
  • Terrorism and sabotage
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