1. self-destruction or any attempt there at including but not limited to, any form of suicide attempt, whether sane or insane;
2. Insured Member’s own misconduct/ gross negligence/ immoral habits, willful and unnecessary exposure to danger or hazard to health; or
3. riot, brawl, civil commotion, insurrection, military service, naval service or air service in time of declared or undeclared war or in peace or while under orders for restoration of public orders or sustained from combat related activities; or
4. travel in or on any aerial or submarine device except as passenger in a certificated passenger aircraft provided by a commercial airline or any regular and scheduled passenger trip over its established passenger route; or
5. atomic explosions, nuclear fission or radioactive gas; or
6. the taking, inhaling or absorbing of poison, gas or fumes, unless involuntary or accidental; or
7. participation in or attempt to commit an assault or crime, violation of ordinances or attempt of violation of laws or resistance to arrest; or
8. active participation in hazardous activities such as, but not limited to, bungee jumping, hang-gliding, scuba diving, mountain/wall climbing including professional sports;

This Policy shall not cover any pre-existing injuries, illnesses or conditions at any time prior to the effective date of the Insured Member’s contract, however, this Policy shall have look-back period of two (2) years from the effectivity of the contract. It means that any pre-existing injury, disease or illness that existed, happened or occurred beyond, or earlier than, the look-back period cannot be used as a ground to deny the claim for being based on pre-existing conditions.

This Policy shall have a free-look period of fifteen (15) days. The Policyholder may return or cancel the contract, and if ever payment has been made, the amount premium shall be returned in full to the Policyholder.

The waiting period on benefits of pre-existing condition in the contract should not exceed one year from the date of effectivity of the contract. Renewal contract of a previous contract with one year or more effectivity period, or continuous coverage exceeding one year, shall no longer contain exclusion on pre-existing condition for such previously covered disease or illness. For newly covered disease or illness, the one-year maximum waiting period for such disease or illness applies.

A pre-existing condition that was disclosed by Insured Member may be covered once accepted by the Company.