Standard Exclusions

Policy will not pay for expenses resulting from,
- war, invasion, act of foreign enemy, civil war
- being engaged in armed services
- being a member in a strike, riot and or civil commotion or terrorism organization
- attempted suicide, AIDS or AIDS related complication, SARS and LASIK
- hospitalization or treatment not informed to the Insurer within 30-days
- persons engaged in aviation industry (pilots, cabin crew and technicians) unless traveling as a passenger   after purchasing a valid ticket in an licensed passenger aircraft
- engaging in extreme sport activities and underwater sports
- routine check-ups
- cosmetic or plastic surgery unless necessitated by an accident happened within the policy period
- normal child birth, unless additional expense for a non-elected caesarian operation subject to Insured   being covered for 12-months
- congenital conditions
- mechanical or chemical contraceptive methods of birth control
- treatment for infertility, sub-fertility or abortion
- psychotic, mental or nervous disorders leading to insanity
- recurring ailments
- hospitalization within first 30-days of obtaining the Policy

This class of insurance will not be accepted in isolation.