Page 101 - Hollard - Private Portfolio Policy Wording

Personal accident
Certain ac vi es, ac ons or medical condi ons
Skydiving, underground mining, self-injury, stress, etc.
High-risk sports
We do not cover claims resul ng from the following sports where the risk involved is clearly high, with an increased chance of injury or death:
○ parachu ng, skydiving, bungee-jumping, bridge-jumping, base-jumping, hang-gliding, paragliding, polo, steeple-chase, rugby, sports of any kind on ice or snow, wrestling, mar al arts, scuba diving and water-skiing
○ speed or endurance tests, and racing (other than on foot)
○ ying (other than as a passenger in a licensed passenger-carrying aircra , piloted by a quali ed person)
○ big-game hun ng
○ mountaineering where the use of ropes or a guide is necessary.
High-risk occupa ons
We do not cover claims resul ng from the following occupa ons where the risk involved is clearly high, with an increased chance of injury or death:
○ a member of the armed forces
○ a crewman on a ship or oil-rig
○ underground mining and tunnelling
○ the manufacture of ammuni on and the re ning of petroleum
○ professional sport (for example, rugby, motor-racing).
Irresponsible ac ons
We do not cover claims resul ng from the following irresponsible ac ons that clearly have a high risk of injury or death associated with them:
○ suicide, a empted suicide and inten onal self-injury
○ wilful misconduct
○ being drunk or under the in uence of drugs.
Certain medical condi ons
We do not cover claims resul ng from the following medical condi ons that have a high risk of injury or death associated with them:
○ insanity and neurosis
○ stress and any related condi ons
○ any physical disability, in rmity, illness or disease that you already had when the policy started.
Hollard Private Por olio 99