Accidental Death Benefit and/or Accidental Total & Permanent Disability Benefit shall not be payable for any losses caused directly or indirectly, wholly or partly, by any one of the following occurrences:

1. Intentional self-inflicted injury, attempted suicide, while sane or insane;

2. Insured person being under the influence of drugs, alcohol, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a Doctor;

3. War, invasion, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes;

4. Taking part in any naval, military or air force operation during peace time or during service in any police, paramilitary or any similar organization;

5. Participation by the insured person in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline or Pilots and cabin crew of a commercial airline, on regular routes and on a scheduled timetable;

6. Participation by the insured person in a criminal or unlawful act with illegal or criminal intent;

7. Engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to, diving or riding or any kind of race; underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee jumping;

Nuclear Contamination; the radio-active, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature.