✖ War and related risks including riot or civil commotion
✖ Government regulations/acts or authorities of any country
✖ Claims arising from manual work in connection with any trade, employment or profession
✖ Travelling (other than as a fare paying passenger) in a fully licensed passenger aircraft
✖ Suicide or self-inflicted injuries
✖ Hazardous adventure
✖ HIV, AIDS/AIDS-related complex Effect/Influence of alcohol or drugs
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