BizPAC

This policy does not cover bodily injury, death, disability, or hospitalization of the insured person caused by the following events:

1. Suicide or intentional self-injury.
2. Pre-existing medical conditions, mental disorder or physical infirmity.
3. Pregnancy or childbirth unless caused solely and directly by the Accident.
4. AIDS or any related diseases, immunodeficiency disorder or tested positive on an Aids-related blood test.
5. Having taken a drug, unless you prove that the drug was taken in accordance with proper medical prescription and directions, and not for treatment of drug addiction.
6. treatment of alcoholism or intoxication.
7. Cosmetic or plastic surgery or any elective surgery or congenital anomalies.
8. Dental disease, dental care or surgery.
9. Treatment for obesity/weight related improvement.
10. General check-up, convalescence, custodial or rest cure.
11. Any sexually transmitted diseases.
12. while committing or attempting to commit any unlawful act.
13. Insured/Insured Person does not have a valid driving license to drive the Vehicle. This will not apply if the Insured/Insured Person has an expired license but is not disqualified from holding or obtaining such driving license under any existing laws, by-laws and regulations.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.

Exposure Clause

This Policy is extended to cover Death of the Insured Person caused by drowning and/or Death or Disability caused by exposure resulting from a mishap to an aircraft or vessel in which the Insured Person is travelling.

Disappearance Clause

This policy is extended to cover disappearance if the Insured Person is proven disappear after a period of one year subject to all the evidence examined and there is a reason to assume the Death of the Insured Person.