We will not pay any benefit under this Policy subject to the Incontestability clause, if death results directly or indirectly, in whole or in part, by any of the following:

a) self-inflicted injury, suicide, or any attempt threat;

b) disease or infection (except infection in which occurs through an accidental cut or wound), including infection with any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or mutations, derivations or variations thereof;

c) strike, riot, civil commotion, acts of terrorism subject to Sabotage and Terrorism Coverage Provision, revolution, insurrection, declared or undeclared war, or any warlike operation;

d) murder, provoked assault or participation in any brawl;

e) any violation or attempted violation of the law or resistance to arrest;

f) while the Insured is intoxicated by alcohol or unprescribed drug;

g) bodily or mental infirmity, hernia, ptomaines or infection other than infection occurring at the same time with or because of an accidental cut or wound, disease or sickness of any kind;

h) poison, gas or fumes voluntarily or involuntarily taken, atomic explosion, nuclear fission, or radioactive gas;

i) while engaging in the making or handling of explosives or upon being engaged as a custodian of explosives;

j) while entering, operating, servicing, or ascending from or with any aerial or marine device or conveyance EXCEPT while traveling as a passenger in an aircraft or marine transportation operated by a commercial passenger airline or shipping line on a scheduled air or sea service over an established passenger route; or

k) service in the armed forces of any country in time of declared or undeclared war or while under the orders for warlike operations or restoration of public order. “The armed forces of any country at war” means the military, naval or air forces and will be deemed to include the armed forces of any international organization engaged in war; or

l) while undergoing medical or surgical treatment EXCEPT as a result of accidental Injury; or

m) occasioned by or happening through pregnancy, childbirth, or miscarriage; or

n) while engaged in hunting, racing of any kind, martial arts, scuba diving, hang gliding, yachting beyond five (5) kilometers of coast-line, bungee-jumping, parachuting, skydiving, mountaineering, and other forms of extreme sports; or

o) nuclear, biological or chemical (NBC) contamination; or

p) earthquake, volcanic eruption or tidal wave; or

q) any loss in which the proximate cause was the Insured’s attempt at, or commission of or willful participation in any act or crime punishable under the Act No. 3815, otherwise known as the “Revised Penal Code of the Philippines,” or any other statute, EXCEPT crimes of reckless imprudence as defined in Article 365 of Act. No. 3815, or similar laws of any country in which the crime was attempted or committed, or resistance to lawful arrest.

We will not pay any benefit under this Rider if bodily injury results or caused directly or indirectly, in whole or in part, by the following:

a) treatment or medical procedure resulting from any self-inflicted injuries, attempted suicide or self-destruction, whether sane or insane;

b) disease or infection, (except infection which occurs through an accidental cut or wound) including infection with any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or mutations, derivations or variations thereof;

c) bodily or mental infirmity, hernia, ptomaines or infection other than infection occurring at the same time with or because of an accidental cut or wound, disease or sickness of any kind; or

d) poison, gas or fumes voluntarily or involuntarily taken, atomic explosion, nuclear fission, or radioactive gas; or

e) service in the armed forces of any country in time of declared or undeclared war or while under the orders for warlike operations or restoration of public order. “The armed forces of any country at war” means the military, naval or air forces and will be deemed to include the armed forces of any international organization engaged in war; or

f) while undergoing medical or surgical treatment except as a result of accidental injury; or

g) occasioned by or happening through pregnancy, childbirth, or miscarriage; or

h) while engaged in hunting, racing of any kind, martial arts, scuba diving, hang gliding, yachting beyond five (5) kilometers of coast-line, bungee-jumping, parachuting, skydiving, mountaineering, and other forms of extreme sports; or

i) long-term rehabilitation and psychiatric and/or psychological illnesses and conditions including neurotic and psychotic behavior disorders; anxiety disorders;

j) developmental disorders including functional disorders of the mind, such as but not limited to Attention-Deficit Disorder (ADD)/Attention-Deficit Hyperactivity Disorder (ADHD), Autism Spectrum Disorders, Bipolar Disorders, Central Auditory Processing Disorder (CAPD), Cerebral Palsy, Down Syndrome, Neural Tube Defects, and Mental Retardation;

k) any treatment or medical procedure resulting for an accidental injury caused by the following:

  1. negligence
  2. unauthorized use of prohibited drugs or regulated drugs
  3. alcoholic liquor intake
  4. direct or indirect participation in the commission of a crime whether consummated or not
  5. violation of a low or ordinance;
  6. engaging in the making or handling of explosives or upon being engaged as a custodian of explosives;
  7. provoked murder, provoked assault or participation in any brawl, strikes, riots, and other civil disturbances; or
  8. while entering, operating, servicing, or ascending from or with any aerial or marine device or conveyance except while traveling as a passenger in an aircraft or marine transportation operated by a commercial passenger airline or shipping line on a scheduled air or sea service over an established passenger route
  9. earthquake, volcanic eruption or tidal wave
  10. unnecessary exposure to imminent danger, knowingly or unknowingly, or hazard to health (e.g.nuclear, biological or chemical contamination) by the Insured

l) aesthetic, cosmetic and reconstructive surgery or any consultation or treatment for any beautification purposes, except if necessary to treat a functional defect due to accidental injury within the initial confinement;

m) sex Transformation;

n) diagnosis, treatment and procedures related to fertility or infertility, artificial insemination, sterilization or reversal of such and their complications;

o) experimental medical procedures and its complications;

p) acupuncture, chirotherapy and other forms of therapies and its complications;

q) congenital, genetic and hereditary diseases and their complications affecting functions of individuals;

r) all physical deformities existing prior to Effective Date;

s) sexually transmitted diseases, genital warts, AIDS and AIDS-related diseases;

t) pre-existing Conditions;

u) weight reduction programs, surgical operation or procedure for treatment of obesity, including gastric stapling or balloon procedures and liposuction; or

v) treatment of work-related injuries of high-risk occupations such as but not limited to construction workers, miners, loggers and drillers;

w) any loss in which the proximate cause was the Insured’s attempt at, or commission of or willful participation in any act or crime punishable under the Revised Penal Code of the Philippines or any other statute, except crimes of reckless imprudence as defined in Article 365 or similar laws of any country in which the crime was attempted or committed, or resistance to lawful arrest.

We will not pay any benefit under this Rider if any hospital confinement resulting from or caused directly or indirectly, in whole or in part, by any of the following:

a) poison, gas or fumes or fumes voluntarily or involuntarily taken, atomic explosion, nuclear fission or radioactive gas;

b) disease or infection (except infection which occurs through an accidental cut or wound), including infection with any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or mutations, derivations or variations thereof;

c) while undergoing medical or surgical treatment except as a result of accidental injury

d) custodial, domiciliary, convalescent and intermediate care;

e) long-term rehabilitation and psychiatric and/or psychological illnesses and conditions including neurotic and psychotic behavior disorders; anxiety disorders;

f) any confinement for an injury and its complications resulting from self-inflicted injuries, attempted suicide or self-destruction, whether sane or insane;

g) developmental disorders including functional disorders of the mind, such as but not limited to Attention-Deficit Disorder (ADD)/Attention-Deficit Hyperactivity Disorder (ADHD), Autism Spectrum Disorders, Bipolar Disorders, Central Auditory Processing Disorder (CAPD), Cerebral Palsy, Down Syndrome, Neural Tube Defects, and Mental Retardation;

h) any confinement due to an accidental injury caused by the following:

  1. negligence
  2. unauthorized use of prohibited drugs or regulated drugs
  3. alcoholic liquor intake
  4. direct or indirect participation in the commission of a crime whether consummated or not
  5. violation of a law or ordinance;
  6. engaging in the making or handling of explosives or upon being engaged as a custodian of explosives;
  7. provoked murder, provoked assault or participation in any brawl, strikes, riots, and other civil disturbances; or
  8. while entering, operating, servicing, or ascending from or with any aerial or marine device or conveyance except while traveling as a passenger in an aircraft or marine transportation operated by a commercial passenger airline or shipping line on a scheduled air or sea service over an established passenger route
  9. earthquake, volcanic eruption or tidal wave
  10. unnecessary exposure to imminent danger, knowingly or unknowingly, or hazard to health (e.g.nuclear, biological or chemical contamination) by the Insured

i) aesthetic, cosmetic and reconstructive surgery or any consultation or treatment for any beautification purposes, except if necessary to treat a functional defect due to accidental injury within the initial confinement;

j) maternity care and all other conditions related to and/or resulting from pregnancy and/or delivery which affect the conditions of the Insured and the unborn child;

k) sex Transformation;

l) diagnosis, treatment and procedures related to fertility or infertility, artificial insemination, sterilization or reversal of such and their complications;

m) experimental medical procedures and its complications;

n) acupuncture, chirotherapy and other forms of therapies and its complications;

o) congenital, genetic and hereditary diseases and their complications affecting functions of individuals;

p) all physical deformities existing prior to Effective Date;

q) treatment of injuries/illnesses caused directly or indirectly by engaging in any professional sport or hazardous activity, such as but not limited to, scuba diving, surfing, water skiing, mountain climbing, rock climbing, mountaineering, parachuting, airsoft, drag racing, paintballing, wakeboarding and bungee jumping, except for activities under company sponsored sports activities;

r) injuries resulting from direct participation in riots, strikes, and other civil disturbances; Treatment of injuries or illnesses resulting from war or any combat-related activities while in military service;

s) sexually transmitted diseases, genital warts, AIDS and AIDS-related diseases;

t) pre-existing Conditions;

u) infectious diseases (i.e., Avian Flu, Meningococcemia, etc.) that are declared epidemic or pandemic by the Department of Health, World Health Organization or any recognized health authority (except infection which occurs through an accidental cut or wound);

v) weight reduction programs, surgical operation or procedure for treatment of obesity, including gastric stapling or balloon procedures and liposuction; or

w) treatment of work-related injuries of high-risk occupations such as but not limited to construction workers, miners, loggers and drillers.