Major Exclusions

The major exclusions are injuries cause directly or indirectly from:

• Suicide and self-inflicted injuries
• Winter sports and other named dangerous sports such as parachuting
• Engaging in sports from which the insured person would earn any form of remuneration
• Engaging in aviation other than as a fare-paying passenger
• The insured person having higher than legally permitted level of alcohol
• The insured person taking drugs without proper medical advice
• The insured person taking actions in violation of law
• Childbirth or pregnancy
• Depending on the plan you choose, terrorism could be exclusion too.