Self-destruction or intentional self-inflicted injuries or any attempted self-destruction while sane or insane.
War, declared or undeclared, civil war, revolution or any warlike operations.
Consequent upon an Insured Person engaging in air travel (except as a fare paying passenger in any properly licensed private and / or commercial aircraft); engaging in or taking part in Police, Naval, Military or Air Force service or operations, or participating in operations of an offensive nature planned or conducted by the Civil or Military Authorities against bandits, terrorists or other elements.
Any violation or attempt of violation of law or resistance to arrest.
Treatment of alcoholism, or drug abuse or any other complications arising therefrom or any drug Accident.
Pregnancy, miscarriage or childbirth, or any treatment relating to birth control or treatment pertaining to infertility or any other complication arising therefrom.
Psychosis, mental or nervous disorder or sleep disturbance disorder.
Cosmetic or plastic surgery or any elective surgery.
Any form of dental care or surgery unless necessitated by injury caused by an accident to sound and natural teeth.
Any congenital defect which has manifested or was diagnosed before the policy effective date.
Routine health check, any investigation(s) not directly related to admission diagnosis , illness or injury, or any treatment or investigation which is not medically necessary, or convalescence, custodial or rest care.
Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by any Human Immune Deficiency Virus (HIV) (for the purpose of this policy, the definition of AIDS shall be that used by the World Health Organization in 1987, or any subsequent revision by the World Health Organization of that definition; infection shall be deemed to have occurred where blood or other relevant test(s) indicate in the opinion of the company either the presence of any Human Immune Deficiency Virus or Antibodies to such virus).
Any injury sustained while serving as a crew member of any aircraft except as a fare-paying passenger in any aircraft having a current and valid air worthiness certificate issued by the appropriate authority of the country of its registry.
Driving or riding in any kind of race involving motorized vehicles.
Engaging, practicing or participating in a sport in a professional capacity or when an Insured Person would or could earn income or remuneration from engaging in such sport.
Any pre-existing physical or mental defect or infirmity before the policy effective date.
The Company will not pay under any section of this policy where such payment would violate government prohibition or regulation.
INSURANCE ACT 1996 – PART XIII – PAYMENT OF POLICY MONEY UNDER A LIFE POLICY OR PERSONAL ACCIDENT POLICY
||(1) A nomination by a policy owner, other than a Muslim policy owner, shall create a trust in favour of the nominee ofthe policy moneys payable upon the death of the policy owner, if --
(a) the nominee is his spouse or child; or
(b) where there is no spouse or child living at the time of nomination, the nomineeis his parent.
(2) The policy owner, by the policy, or by a notice, in writing to the licensed insurer, may appoint trustees of the policy moneys and where there is no trustee --
(a) the nominee who is competent to contract; or
(b) where the nominee is incompetent to contract, the parent of the incompetentnominee and where there is no surviving parent, the Public Trustee, shall be
the trustee of the policy moneys and the receipt of a trustee shall be
adischarge to the licensed insurer for all liability in respect of the policy moneys
||(1) A nominee, other than a nominee under subsection 166 (1), shall receive the policy moneys payable nominee on the death of the policy owner as an executor and notunder solely as a beneficiary and any payment to the nominee shall form part of the estate of the deceased policy owner and be subject to his debts and the licensedinsurer shall be discharged from liability in respect of the policy moneys paid.
(2) Subsection (1) applies to a nominee of a Muslim policy owner who, on receipt of the policy moneys, shall distribute the policy moneys in accordance with Islamic law.