MSIG Personal Accident (PA) Insurance

Exclusions

This insurance does not cover:

• The Insured Person being under the influence of drugs (other than those prescribed by a registered Medical Practitioner but not when prescribed for the treatment of drug addiction)
• The Insured Person engaging in any trade, technical or sporting activity or as crew in connection with an aircraft
• Injury caused by suicide, self-injury or willful exposure to peril (other than in an attempt to save human life)
• The Insured Person engaging or practicing hazardous sports; professional sports; mountaineering or rock climbing necessitating the use of guides or ropes; underwater activities necessitating the use of compressed air or gas
• The Insured Person engaging or practicing in any kind of race (other than on foot or swimming) or trial of speed or reliability potholing
• Pregnancy or childbirth
• Insanity
• Any pre-existing physical or mental defect or infirmity