The Personal Accident policy maintains a list of events and circumstances that void the insured's entitlement to his or her accidental death benefit.
Death by illness, suicide, non-commercial radiation, war injury, and natural causes are generally not covered. Similarly, death while under the influence of any non-prescribed drugs or alcohol is most likely exempt from coverage. Overdose with toxic or poisonous substances and injuries during a professional sporting event may void the right to claim too (Please refer to the General conditions for full list of exclusions).
