Summary of exceptions
Actions taken while the insured is under the influence of alcohol or drug, suicide, suicide attempt or self-harm, abortion, dental treatment (except as a result of accident), backache due to slipped/degenerative disc/spine, while car racing, boat racing, horse racing, ski racing, skate racing, boxing, parachuting (except parachuting to rescue life), while taking off, landing or onboarding balloon or glider, bungee jumping, scuba diving, while being involved in argument, while committing crime, in war, riot, strike, revolution, coup, while performing duty as soldier, police or volunteer.