Some of the major exclusions are:
- Suicide & Self Inflicted Injury
- HIV, AIDS
- Accidents under influence of Alcohol, Drugs, or other Intoxicants
- Participation in Riot, Felony, Crime or Civil Commotion
- Learning or operating any Aircraft.
- War, Civil War, Invasion, Insurrection, Revolution, Act of Foreign Enemy etc,
- Nuclear Damage
- Adventure & Dangerous sports