Not covered: 

• War and allied risks.
• Suicide or any attempt of it. 
• Illnesses, diseases, infections, acquired immune deficiency syndrome (AIDS), human immune deficiency virus (HIV) and/or HIV-related illness. However, the named diseases specifically mentioned under medical expenses, blood transfusion and bereavement allowance benefits may be covered under specific circumstances as defined in the policy.
• Childbirth, miscarriage, pregnancy, or any complications thereof unless caused directly or indirectly by accident
• Professional sports activities. 
• Flying as a pilot or crew member in any aircraft other than as a fare paying passenger in an aircraft licensed for passenger service. 
• Pre-existing physical or mental infirmities. 
• Hazardous sports activities such as mountaineering involving the use of ropes or mechanical guides, parachuting, hang gliding, racing of any kind (other than on foot). 
• Accidents involving radioactive and nuclear weapon materials.

Applicable to personal liability:    

• Liability assumed under contract and/or agreement.
• Claims made by your employees for accidents arising in the course of employment.
• Claims against you by your family members.
• Liability in respect of damage to property held under your care, control or custody.
• Liability arising from the ownership, possession or use of any animal (other than a dog or cat), mechanically propelled vehicle, vessel or aircraft, land or building and firearms.
• Seepage pollution or contamination.
• Liability arising out of your employment, trade, profession or business.
• Fines, penalties, punitive or exemplary damages.
• Accidents involving radioactive and nuclear weapon materials.
• Terrorism, war and allied risks.
• Any consequential loss of any kind.