Exclusions:

We will not pay any benefit under this Policy for the following cases:
a) For any illness other than the List of Critical Illnesses Covered;

We will not pay any benefit under this Policy if the Critical Illness, based on the
Diagnosis of a Physician acceptable to MaxiLife, results directly or indirectly, in
whole or in part, by any of the following:
a) attempted suicide or an intentional self-inflicted act by the Insured;
b) alcohol or drug abuse;
c) the willful participation of the Insured in illegal and/or unlawful acts and/or
omissions;
d) war or any act of war (declared or not), military insurrection and civil commotion
amounting to a popular uprising;
e) Human Immunodeficiency Virus (HIV) and or any HIV related illness including
Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivations or
variations thereof, except as otherwise provided under this Policy, or
f) any Pre-Existing Condition. “Pre-existing Condition” means a condition (a) for which the Insured received
medical advice, consultation or treatment within two (2) years preceding the
Effective Date, or (b) whose signs or symptoms are evident, or should have been
evident to the Insured, even if the Insured did not seek medical advice, consultation
or treatment within two (2) years preceding the Effective Date or the date of last
reinstatement, if any. “Condition” means any type of illness, specific injury, disease, or infirmity including all underlying or related conditions and any manifestation
thereof, whether in one or more than one body system.