Exclusion

EXCLUSIONS FOR ACCIDENTAL DEATH, ACCIDENTAL TOTAL PERMANENT DISABILITY CAUSED BY TO ROAD ACCIDENT

No Benefit will be payable under this Provision, if the occurrence of the insured event results directly or indirectly, in whole or in part, from any of the following:

a) Suicide or attempted suicide, whether the Life Insured is sane or insane; or

b) Willful exposure to danger or attempted self-destruction or self-inflicted injuries, whether the Life Insured is sane or insane; or

c) Assault or murder; or 

d) A committed criminal offense, or an attempted commitment of a criminal offense by the Policyowner, Life Insured, or Beneficiaries (please refer to Section 8. Beneficiary); or

e) Any unprescribed drug, alcoholic substance, poison, gas or fumes, voluntarily taken, administered, absorbed or inhaled; or

f) War or any act of war, whether declared or not, riot, insurrection, civil commotion, strikes terrorist activities, whether or not the Life Insured was participating therein; or

g) Any loss sustained by the Life Insured while resisting arrest by a law enforcement officer or violation of alcohol intake and/or speed limits as prescribed by the applicable traffic law at the time of accident; or 

h) Bodily or mental infirmity or illness or disease of any kind or any infection, other than infections occurring simultaneously with and in consequence of an accidental wound; or

i) Travelling or flight in any vehicle or device for aerial navigation, except as a passenger on an aircraft operated by a regular airline; or

j) Engaging in or taking part in driving or riding in any kind of race, underwater activities, or other hazardous pursuit such as mountaineering or potholing or parachuting or bungee jumping.

k) Exclusion – Hazardous sports and high-risk Occupations for សុខសុវត្ថិភាព benefit Courier/Messenger/Deliveryman using motorcycle (two wheels)

l) When the insured have 2 or more occupations, where either one or more belong to the non-covered occupation list, and the incident happened while performing his duty under a non-covered occupation.

m) Pre-existing Conditions which originated before the later of the Policy Year Date. A “Pre-existing Condition" is a disability which was observed checked, diagnosed, or treated, or occurred prior to a certain date.