The Company shall not be liable to pay any benefit under this Rider as stated above if the disability or the death of the life assured is caused either directly or indirectly, voluntarily or involuntarily by:
attempted suicide or self inflicted injuries, while sane or insane, or whilst the life assured is under the influence of any narcotics substances or drug or intoxicating liquor ; or
engaging in aerial flights (including parachuting and skydiving ) other than as a fare paying passenger on a licensed passenger carrying commercial air craft (being a multi- engined air craft ) operating on a regular scheduled route; or
(1) the life assured committing any breach of law; or
(2) engaging in hazardous sports /pastimes e.g. taking part in( or practicing for) boxing caving, climbing, horse racing, jet skiing, martial arts, mountaineering, off piste skiing ,pot holing, power boat racing, underwater diving, yacht racing or any race, trial or timed motor sport; or
(3) war whether declared or not or civil commotion ; or
(4) any pre-existing condition.
Policy shall be void and all monies paid under the policy shall be forfeited to the Company and nothing shall be payable except to the extent of a third party bonafide interest acquired in the policy for valuable consideration, notice of which has been given at least one month prior to the death, in case life assured commits suicide (whether sane or insane at the time) at any time on or after the date on which the risk under the policy has commenced but before the expiry of one year from the date on which risk has commenced.
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