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Available Plans

Extended Cover

• Disappearance
• Drowning exposure
  
• Food poisoning
  
• Harmful insect or snake bites or animal attacks
  
• Hunting
  
• Motorcycling
  
• Suffocation by smoke or poisonous fumes
  
• Natural disasters
  
• Unprovoked murder and assault
  
• Strike, riot and civil commotion
• Sports extension (Water sports including water skiing and yachting, mountain climbing, polo-playing, any amateur sports except boxing, martial arts and X-games, underwater activities up to 50 meters deep)
• Intoxication (drugs must be prescribed by a qualified medical practitioner, alcohol not exceeding the limit set by the law in the country where the accident happened)
  
  

Declined Occupations
Police, army / military and law enforcement officers, Aircraft testers, pilots or crew, Divers, Racing drivers, Jockeys, Persons engaged in professional sports activities, Persons engaged in underground mining and tunneling, Firemen, Seamen and sea fishermen, War correspondents, Oil rig workers, Steeplejacks, Stevedores, Persons engaged in demolition of buildings, Persons engaged in ambulance services, Sawyers, timber logging workers, drivers/attendants of timber lorries and winches, Wood working machinists, Explosive handlers, Persons involving in manual work.

G E N E R A L Exclusions
Insanity, Suicide and self-inflicted injury, Pre-existing physical defects or infirmity, Disease, infection or parasites, AIDS Childbirth, miscarriage, pregnancy, Nuclear weapons material, Whilst committing or attempting to commit any unlawful act, War invasion, act of foreign enemy, hostilities (whether war be declared or not), Civil war, rebellion, revolution, insurrection, mutiny or usurped power, military or popular uprising, Ionizing radiation or contamination by radioactivity from any nuclear waste or from the combustion of nuclear fuel, While travelling in an aircraft as a member of the crew, except only as a fare-paying passenger in an aircraft licensed for passenger service, For the purpose of this exclusion the Insured Life would not be covered if he is involved in any technical operation or navigation whilst in the aircraft, Racing of any kind (other than on foot), Engaging in martial arts, parachuting, hang-gliding, mountaineering involving the use of ropes or mechanical guides (including rock-climbing), steeple chasing, ice-hockey, boxing, bungee jumping, water ski jumping, underwater activities exceeding fifty meters in depth, pace-making, Terrorism Exclusion.