This Policy does not cover:
(a) For Accidental Death Benefit and Accidental Disability Benefit:
- deliberately self-inflicted injury, suicide, criminal or illegal act;
- being under the influence of alcohol or unprescribed drugs;
- engaging in any professional sport, meaning, Insured's livelihood is substantially dependent on income received as a result of Insured's playing sport;
- engaging in any motor sports as a rider, driver and/or a passenger;
- any consequences of, or the Insured taking part in, any war (whether declared or not), invasion, rebellion, insurrection, civil war, riot or civil commotion;
- engaging in military duty with any armed forces of any country or international authority or while on duty in any paramilitary, police, police auxiliary of firefighting organization;
- engaging in (or practicing for, or taking part in training particular to) aqualung or scuba diving, climbing or mountaineering necessitating the use of ropes or guides, pot holing, parachuting, hang-gliding, winter sports or racing other than on foot;
- being a pilot or crew member (on active duty) of any aircraft, or engaging in any aerial activity, including parachuting and hang-gliding, except as a passenger in any properly licensed aircraft;
- illness, disease, bacterial or viral infection, even if contracted by accident, other than bacterial infection that is the direct result of an accidental cut or wound or accidental food poisoning; or
- provoked or unprovoked murder & assault.
(b) For Online Shopping Fraud, Purchase Protection, Buyer’s Protection and Unauthorized Transaction Benefits:
- Losses which are recoverable from any other sources such as, but not limited to the Insured’s Bank, Payment Card Issuer, and E-money Account provider;
- Losses before or after the incident, if you provided fraudulent information to Chubb;
- Losses resulting from war, invasion, act of foreign enemy hostilities;
- Losses resulting from natural disasters;
- Potential mass cyber-attack;
- Losses resulting from gambling, lottery, contests, promotional games, or other games of chance;
- Losses resulting from engaging in illegal activity;
- Losses arising from unregulated digital currency, including but not limited to cryptocurrency of any kind;
- Consequential loss or damage as a result of the incident.
This list is non-exhaustive. Please refer to the Policy Wording for the full list of exclusions under the Policy.