General Exclusions which apply to the whole policy

The policy does not cover the following:

1. Any consequence whatsoever which is the direct or indirect result of any of the following, or anything connected with any of the following, whether or not contributed to by any other cause or event:
   • war;
   • invasion;
   • act or acts of a foreign enemy;
   • hostilities or warlike operation or operations (whether war has been declared or not);
   • civil war;
   • revolution, rebellion or insurrection (that is, people rising up and changing the government by force or attempting to do so);
   • civil commotion which is of such severity or magnitude that it can be likened to an uprising;
   • military power (even if properly authorised by the duly elected government);
   • usurped power;
   • any action taken to prevent, control or suppress, or which in any way relates to, any of the above.
2. Claims directly or indirectly caused by:
   1. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel;
   2. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of an assembly; or
   3. pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
3. Death, injury, illness or disability resulting from suicide or attempted suicide, exposure to danger which can reasonably be predicted (unless you are trying to save human life), sexually transmitted diseases or the influence or effect of alcohol or drugs (other than drugs taken under medical supervision and not for treating drug addiction).
4. Any indirect or consequential loss that is not described in the policy.
5. Any claim arising, directly or indirectly, from the failure, or fear of failure, of equipment or computer program to recognise or correctly interpret or process any date as the true or correct date, or to continue to work correctly after that date. This exclusion does not apply to the Emergency Medical and Associated Expenses, Hospital Benefit or Personal Accident sections.