Terms and Conditions of Di-Ves
EXCLUSION FOR PERSONAL ACCIDENT COVER
Extreme Sports such as Racing of any form, Hand Gliding, Water Skiing, and others as Excluded in the Standard PUIC PA Policy.
Death when any government agency announced an epidemic like cholera, dengue to a particular area are deemed excluded.
Death due to Natural Sickness/Illnesses are not covered; Pre-Existing Illnesses contracted prior to enrollment or illness acquired during birth is deemed excluded.
Drug-related deaths in line with the Governmentâ€™s Campaign for Drug-Free City are not Covered;
Suicide or any form is not covered;
The Insurer will also not be liable with respect to:
a) loss caused directly or indirectly, wholly or partly or occasioned by bacterial infections, disease or sickness, pregnancy or miscarriage, congenital anomalies or Acquired Immune Deficiency Syndrome (AIDS), suicide or any attempt thereat (sane or insane), insanity or alcoholism, self-inflicted injuries; wat, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped, power, riot, civil commotion, strikes, military or popular uprising, or the use of a weapon or instrument employing atomic fission or radioactive force, whether in time of peace or war, landslide or cave-in mines; any bodily injury which shall result in Hernia; ionizing radiations or contaminations by radioactivity.
b) loss while engaging in hunting, mountaineering, winter sports, ice hockey, football, scuba diving, ice or water skiing, yachting, racing of any kind, steeplechasing, polo playing.
c) loss while participating in any brawl, committing a crime, or making an arrest or a raid as an officer of the law.
d) loss while under orders for warlike operations or for the restoration of public order; while the insured is serving the Armed Forces of any country or international authority, whether in peace or war.
e) while operating, learning, to operate, or serving as a crew member or an aircraft or vessel.
f) while operating or riding in a motorcycle or any motorized two-wheeled vehicle.
g) hospitalization (In-Patient) resulting from check-ups, consultation fee; cosmetic surgery, sexually transmitted disease, self-inflicted injuries, pre-existing conditions; nervous and mental disorder, congenital anomalies, and conditions.
h) any of the following persons:
*1. persons who are mentally incompetent or physically impaired
*2. acrobats, asylum attendants, aviators, boilermen, detectives, divers, explosive makers, fishermen, miners, sailors, sawmill workers, secret service personnel, woodworking machinists, underground workers and window cleaners, while performing their task as such.
i) unprovoked murder and assault in the following areas: Basilan, Jolo, Lanao Provinces, Maguindanao, North Cotabato, Sultan Kudarat, Sulu Archipelago, South Cotabato, Zamboanga Provinces.
j) snake bite, insect bite, and animal bite.