This insurance does not cover:
1. Any loss or damage arising from or related to the following causes.
1.1 Activities occurring while the insured is affected by alcohol, drugs, or narcotics to the extent of being unable to maintain self-control. The wording “while is affected by alcohol”, in the case where having blood testing and alcohol level in blood more than 150 milligram percent up is deemed as rule.
1.2 Suicide, attempted suicide, or self-harm.
1.3 Miscarriage
1.4 Food poisoning
1.5 War, invasion, acts of hostility by foreign enemies, or acts of hostility resembling war, whether war has been declared or not, or civil war, insurrection, rebellion, riots, strikes, disturbances, revolution, coup, declaration of martial law, or any event that leads to the declaration or continuation of martial law.
2. Any loss or damage that occurs at the following times.
2.1 While the insured is participating in all types of car or boat racing, horse racing, skiing including jet skiing, skate race, boxing, parachute (except for parachuting for life-saving purposes), boarding or descending or traveling in a balloon or glider, bungee jumping, or scuba diving requires an air tank and underwater breathing apparatus.
2.2 While the insured is boarding or descending or traveling in an aircraft that is not registered for passenger transport and not operated by a commercial airline.
2.3 While the insured is driving or performing duties as a crew member of any aircraft.
2.4 While the insured participate in any brawl or provoke someone to become brawl.
2.5 While the insured is committing a serious criminal offense or being arrested or fleeing arrest.
3. Benefits of broken bones do not cover any loss or damage arising from or related to the following causes:
3.1 Osteoporosis or pathologic fractures.
3.2 Pre-existing injuries or illnesses prior to the issuing of the policy.
3.3 Fractures resulting from pathological bone conditions or congenital diseases.
