(a) participation in any professional sports or in any games and sports whereby you would earn remunerations,donation,sponsorship or income of any kind

(b) underwater activities requiring the use of artificial breathing apparatus except leisure scuba diving under the supervision of a qualified diving instructor.

(c) accidents whilst engaged in racing, motor rallies and competitions, mountaineering (reasonably requiring the use of ropes), rock climbing and hiking/trekking in remote areas unless with licensed guides,pot-holing, aviation other than as fare paying passengerin an aircraft provided and operated by an airline or air charter company which is duly licensed for the regular transportation of such passenger and any activity involving you being airborne (whether suspended or not).

(a) treatment of mental illness,psychiatric disorders, wilfully self-inflicted injury or illness, alcoholism or the use of drugs (other than drugs taken in accordance with treatment prescribed and directly by a registered medical practitioner, but not for the treatment of drug addiction), AIDS (Acquired Immune Deficiency Syndrome) or ARC (Aids Related Complex), self-exposure to needless peril (except in an attempt to save human life).

(b) nuclear fission, nuclear fusion or radioactive contamination.

(c) war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or unsurped power or confiscation or nationalism or requisition or destruction of or damage to property by or under the order of any Government or public or local authority or civil commotion through or by general mass media.