General Exceptions

The Company shall not be liable for hospitalisation bodily injury sickness or disease directly or indirectly caused by related to or in consequence of:

1. Nuclear weapons or nuclear material or by ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception combustion shall include any self-sustaining process of nuclear fission.
   
   
2. Investigations treatment surgery for obesity its sequel or cosmetic surgery or surgery directly or indirectly caused by or related to or in consequence of cosmetic surgery other than as a result of an insured event otherwise insured.
   
   
3. Cosmetic surgery shall include surgery for breast reduction or reconstruction unless necessitated as a result of treatment for cancer.
   
   
4. Routine physical or any procedure of a purely diagnostic nature or any other examination where there are no objective indications of impairment to normal health including laboratory diagnostics or X-ray examinations except in the course of a disability established by prior call or attendance of a physician.
   
   
5. Suicide attempted suicide or intentional self-injury.
   
   
6. The taking of any drug or narcotic unless prescribed by and taken in accordance with the instructions of a registered medical practitioner (other than the insured person) or any illness caused by the use of alcohol.
   
   
7. Drug addiction.
   
   
8. An event directly attributable to the insured person having an alcohol content exceeding eighty milligrams per one hundred millilitres of blood or the insured person suffering from alcoholism.
   
   
9. Participation in;
   
   • Active military duty police duty police reservist duty civil commotion labour disturbances riot strike or the activities of locked out workers
   • Aviation other than as a passenger.
   • Any form of race or speed test (other than on foot or involving any non-mechanically propelled vehicle vessel craft or aircraft).
     
     
10. Pregnancy or childbirth during the first 12 months of the contract.
    
    
11. For a period of 12 months from date of inception, any condition for which an insured person received treatment or advice by a Medical Practitioner within a 12-month period prior to the inception date of that insured person, unless such a condition was directly attributable to an Accident (as defined).
    
    
12. A 3-month general waiting period will apply from date of inception for all procedures other than for an emergency or due to an accident.