Common use of EXCLUSIONS Clause in Contracts

EXCLUSIONS. All indemnities, services, consequences and/or events directly or indirectly arising from the following are excluded from the insurance: a) Reasons or causes which have already occurred at the time the policy was taken out or which could reasonably have been foreseen, medical examinations which are objectively foreseeable and/or scheduled b) causes and events not adequately documented; c) unlawful conduct or malicious behaviour, whether effected or attempted by the Insured; suicide or attempted suicide; d) mental illnesses, states of anxiety, stress and depression, mental disorders in general and neuroses, and also Acquired Immune Deficiency Syndrome (AIDS); irrational fears or phobias(e.g. an act of war, popular uprising, act of terrorism and aeroplane crashes); e) pre-existing illnesses, i.e chronic ongoing or congenital or genetic disorders or conditions, of which the Insured is aware at the time the policy is stipulated; f) intoxications, illnesses and accidents consequent on and arising from the abuse of alcohol and drugs, as well as the non-therapeutic use of hallucinogens and narcotics; g) Travel undertaken against medical advice and/or for the purpose of undergoing medical, surgical, aesthetic or rehabilitative treatment. Elimination or correction of physical defects or malformations that existed before the policy was taken out. Purchase of dental prostheses, orthopaedic or therapeutic devices h) conditions on pregnancy beyond the 26th week of gestation, and the post-natal period. Threatened miscarriage in the event of negligence or wilful misconduct by the Insured; i) Illness and accidents arising from acts of daring or sports activities (purely by way of example those included in Group C and Group D below). Sports activities included in Group A and Group B below are covered only if carried out at amateurial level, inside the indicated safety rules and prescriptions, and with the use of all prescribed safety equipment.

EXCLUSIONS. All indemnities, services, consequences and/or events directly or indirectly arising from the following are excluded from the insurance: a) Reasons or causes which have already occurred at the time the policy was taken out or which could reasonably have been foreseen, medical examinations which are objectively foreseeable and/or scheduled b) causes and events not adequately documented; c) unlawful conduct or malicious behaviour, whether effected or attempted by the Insured; suicide or attempted suicide; d) mental illnesses, states of anxiety, stress and depression, mental disorders in general and neuroses, and also Acquired Immune Deficiency Syndrome (AIDS); irrational fears or phobias(e.g. an act of war, popular uprising, act of terrorism and aeroplane crashes); e) pre-existing illnesses, i.e chronic ongoing or congenital or genetic disorders or conditions, of which the Insured is aware at the time the policy is stipulated; f) intoxications, illnesses and accidents consequent on and arising from the abuse of alcohol and drugs, as well as the non-therapeutic use of hallucinogens and narcotics; g) Travel undertaken against medical advice and/or for the purpose of undergoing medical, surgical, aesthetic or rehabilitative treatment. Elimination or correction of physical defects or malformations that existed before the policy was taken out. Purchase of dental prostheses, orthopaedic or therapeutic devices h) conditions Conditions on pregnancy beyond the 26th week of gestation, and the post-natal period. Threatened miscarriage in the event of negligence or wilful misconduct by the Insured; i) Illness and accidents arising from acts of daring or sports activities (purely by way of example those included in Group C and Group D below). Sports activities included in Group A and Group B below are covered only if carried out at amateurial level, inside the indicated safety rules and prescriptions, and with the use of all prescribed safety equipment.