Page 101 - Execuline - Classic Policy Wording

Personal accident
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 waterskiing
○ speed or endurance tests, and racing (other than on foot)
○ flying (other than as a passenger in a licensed passenger-carrying aircraft, piloted by a qualified 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 refining 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 influence of drugs.
Certain medical conditions
We do not cover claims resulting from the following medical conditions that have a high risk of injury or death associated with them:
○ insanity and neurosis
○ stress and any related conditions
○ any physical disability, infirmity, illness or disease that you already had when the policy started.
HPL – Execuline – Classic Personal Insurance Policy – 6 July 2015 99