WHAT DOES PERSONAL ACCDEINT NOT COVER?

• war, whether war be declared or not, hostilities or any act of war or civil war

• the actual or threatened use of pathogenic or poisonous biological or chemical materials by any person(s), committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public or any section of the public in fear

• nuclear reaction, nuclear radiation or radioactive contamination

• the insured person engaging in or taking part in armed forces service or operations

• the insured person engaging in flying of any kind other than as a passenger

• the insured person suicide or attempted suicide or intentional self-injury

• venereal disease or Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC) or Human Immuno-deficiency Virus (HIV) howsoever these have been acquired or may be named

• the insured person’s deliberate exposure to exceptional danger (except in an attempt to save human life)

• a criminal act by the insured person

• the insured person being intoxicated by alcohol or drugs

• neuroses, psychoneuroses, psychopathies or psychoses, anxiety, stress, fatigue or mental or any other emotional diseases or disorders of any type

• a chronic pain syndrome including but not limited to Chronic or Complex Regional Pain Syndrome, or fibromyalgia (a syndrome characterised by chronic pain in the muscles and soft tissues surrounding the joints, fatigue and tenderness at specific sites in the body)

any condition whether diagnosed or not, for which you have sought advice, diagnosis, treatment or counselling or of which you were aware or should have been aware at inception of this