- Pre-existing injury, illness, sickness or disease.
- Childbirth, pregnancy, miscarriage, abortion
- Physical check-up.
- Intentional self-inflicted injury or suicide, or any attempt while sane or insane.
- Any acts violating the law
- Vernereal disease, AIDS
- War and terrorism
- Intoxication by alcohol, narcotics or drugs not prescribed by a Medical Practitioner and treatment in connection with drugs or alcohol.