Accident under the influence of alcohol or drugs 
 Illegal act or any violation of law or your resistance to arrest 
 Participating in aviation or ballooning, motor racing or trial run 
 Curative treatments or interventions 
 Pregnancy, childbirth, miscarriage, abortion or related complications 
 War, invasion, act of foreign enemies and hostilities. 
 Nuclear energy, radiation 
 Any existing disablement 
 Venereal or sexually transmitted diseases, HIV/AIDS 
 Non recommended hospital stay 
 Expenses for non medical in nature, emergency medical evacuation