Detail Exclusion

The Company shall not be responsible to pay benefits defined in this Provision if the claim of Life Insured results directly from any of the following:

1.    All Pre-existing conditions and the complications arising from the Pre-existing Conditions; or

2.    Any Hospitalization for which the underlying Medical Condition or any number of days of Hospitalization which is Not Medically Necessary, as determined by the Company; or

3.    Any treatment or surgical operation performed due to either internal or external congenital abnormalities or deformities including hereditary conditions; or

4.    Pregnancy or complications from pregnancy; or

5.    Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases required quarantine by law; or

6.    Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations); or

7.    Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes; or

8.    Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane; or

9.    Commitment or attempted commitment of a criminal offense by the Policyowner, Life Insured or Beneficiary; or

10.    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.