This policy does not cover:

1. Any pre-existing conditions that have been specifically excluded.

2. Hazardous Sports – Any condition, sickness, disease, pregnancy or injury following or associated with an event not covered by this policy such as, but not limited to,

participation in a hazardous sport or any sport where a fee or benefit in kind received, either directly or indirectly for playing or training or in the work place.

3. Deliberate self-injury or attempted suicide.

4. Illness or injury as a result of the influence of alcohol or alcohol abuse, or any drugs or narcotics, unless administered and prescribed by a registered medical professional.

Illness or injury consequent to either drug addiction or the treatment thereof shall be excluded.

5. Treatment for obesity or infertility.

6. AIDS, HIV or any related illness. The onus shall always rest on the Insured to show that any event was not caused by, or did not arise from AIDS or HIV infection, or treatment thereof.

7. Regular or routine medical treatment and advice, as defined.

8. Any claim which, in the opinion of Resolution Underwriters, is associated with any critical illness or injury for which a claim has previously been paid out under this policy.

9. Any claim caused directly or indirectly by, or contributed to or arising from nuclear or indirectly by, or contributed to or arising from nuclear weapon material.

10. Any psychiatric or psychological condition or emotional or nervous conditions.

11. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), riot, civil commotion, civil war, rebellion, revolution, insurrection, military or usurped power, or any act of any person acting on behalf of or in connection with any organisation, group or activity aimed at overthrowing any government by force or any deliberate act of terrorism or violence.