Page 155 - Bay Union - Prestige Policy Wording
P. 155

What is not covered
Certain activities, actions or medical conditions
Skydiving, underground mining, self-injury, stress, etc.
High-risk sports
We do not cover claims resulting from the following sports, where the risk involved is clearly high, with an increased chance of injury or death:
○ parachuting, skydiving, bungee-jumping, bridge-jumping, base-jumping, hang-gliding, paragliding, polo, steeple-chase, rugby, sports of any kind on ice or snow, wrestling, martial 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 aircraft, piloted by a quali ed person)
○ big-game hunting
○ mountaineering where the use of ropes or a guide is necessary.
High-risk occupations
We do not cover claims resulting from the following occupations, 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 ammunition and the re ning of petroleum
○ professional sport (for example, rugby, motor-racing).
Irresponsible actions
We do not cover claims resulting from the following irresponsible actions that clearly have a high risk of injury or death associated with them:
○ suicide, attempted suicide and intentional self-injury
○ wilful misconduct
○ being drunk or under the in uence of drugs.
Bay Union - Prestige Policy Wording - 20 June 2012 152
PERSONAL ACCIDENT


































































































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