-
Suicide
-
Enmity or personal, family or tribal feud or animosity of any kind
-
Pregnancy, miscarriage, childbirth or any non-malignant disease occurring in or in connection with the female reproductive organs
-
Pre-existing physical / bodily injury, mental defect or infirmity which existed prior to the Commencement Date of insurance
-
Self-inflicted injury, intoxication, insanity, fighting or unlawful / criminal act.
-
Flying other than as passenger in a certified commercial aircraft.
-
War, civil war or rebellion, invasion, act of foreign enemy, hostilities (whether war is declared or not) and civil commotion.
-
Service on duty with any armed, naval, air force service or para-military forces and civil armed forces. However, this exclusion only applies where such a person is employed for law enforcement and security duty and sustains injury whilst performing such duty.
-
Hazardous sports such as motorcycling, hunting, steeple chasing, mountaineering, racing of any kind, winter sports, diving, parachuting, hang gliding, boxing, wrestling, underwater activities requiring breathing apparatus.
-
Direct or indirect result of Human Immune Deficiency Virus (HIV).
-
Alcohol, narcotic / drug unless taken as prescribed by a qualified registered medical practitioner.
-
Deliberate self-exposure to unnecessary danger except in the attempt to save human life.
-
Disease or Sickness.
-
Disappearance except in the event of total loss by shipwreck of the ship or air crash of the aircraft.
-
Exceeding age 75 years.
-
Terrorism & sabotage.
-
Accidental Death/Permanent Disability reported after 90 days of the occurrence of the accident.
For further details, please visit your nearest UBL Ameen Branch / Islamic Banking Window or call us at 111-825-888.