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 sequelae 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. Investigations, treatment or surgery for artificial insemination or hormone treatment for infertility
   
   
4. Cosmetic surgery shall include surgery for breast reduction or reconstruction unless necessitated as a result of treatment for cancer.
   
   
5. Routine physical or any procedure of a purely diagnostic nature or any other examination where there is no objective indication of impairment in normal health and laboratory diagnostic or X-ray examinations except in the course of a disability established by prior call or attendance of a physician.
   
   
6. Suicide attempted suicide or intentional self-injury.
   
   
7. 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.
   
   
8. Drug addiction.
   
   
9. An event directly attributable to the insured person where the alcohol content in the blood exceeds the legal level permitted by law.
   
   
10. Participation in
    1. Active military duty policy duty police reservist duty civil commotion labour
    2. Disturbances riot strike or the activities of locked out workers.
    3. Aviation other than as a passenger.
    4. Any form of race or speed test (other than on foot or involving any non-mechanically propelled vehicle vessel craft or aircraft).
       
       
11. No benefits shall be payable for an insured event for which the insured person was aware or received treatment or advice 12 months prior to becoming an insured person. This exclusion only applies to the first 12 months of an insured person’s cover.
    
    
12. No benefits shall be payable for pregnancy or childbirth for a period of 12 months from inception of this policy.
    
    
13. A general 3 month waiting period is to apply from date of inception for all non-accident related hospital admissions and associated treatments.
    
    
14. Depression insanity mental stress or psychotic psychoneurotic psychological disorders.

No benefits shall be payable in the event of fraudulent submission by the claimant.