Exclusions – Death Benefit

OMART will not be obliged to make payment in respect of any condition or event arising directly or indirectly from or traceable to:

Pre-existing Conditions,Defects, Illnesses, Injuries and Disabilities

• If the Life Assured dies within 24 months of Commencement of Insurance, or date of any reinstatement, or increase in cover, due to any condition, physical defect, illness, bodily injury or disability which the Life Assured was aware of and/or received medical advice or treatment during the 24 months prior to the Commencement of Insurance, or date of any reinstatement, or increase in cover, no claim will be paid and all premiums paid will be forfeited.

Suicide or Suicide Attempt

• If the Life Assured dies or becomes disabled, whether sane or insane, by his own intentional act within 24 months of the Commencement of Insurance or date of any reinstatement, no claim shall be considered or paid and all premiums paid to date shall be forfeited.
• In the event of any increase in the amount of any benefit due to any subsequent written request the aforementioned stipulation shall apply for a further 24 months from the date of such increase in respect of the increased portion of the benefit.

 General Exclusions

• The driving of any vehicle where the concentration of alcohol in the Life Assured’s blood exceeds the statutory limit then in force, or whilst the Life Assured is under the influence (above the statutory limit) of alcohol, or whilst the Life Assured is under the influence of a drug having a narcotic effect unless prescribed by a duly qualified and registered medical practitioner (provided that such drug was taken in a dose no higher than that prescribed and the Life Assured took all reasonable steps to ensure that he did not drive the said vehicle while his ability to do was impaired by the drug in question), or intentional inhalation of fumes.
• The Life Assured committing any breach of criminal law.
• Claims caused directly or indirectly by Terrorist Activity, war, invasion, hostilities or warlike operations (whether war be declared or not), civil war, revolution, rebellion, insurrection, military or usurped power, martial law, strike, riot or civil commotion.
• The Life Assured participating in a Hazardous Sport/Activity (as defined).
• Claims that are a direct or indirect consequence of
  • the use of atomic, biological or chemical weapons as well as radioactive, biological or chemical substances; or
  • attacks on or intentional disruptions of
  • operating sites and other fixed installations (e.g. nuclear power plants, reprocessing plants, final or interim repository sites, research reactors, storage depots and factories) as well as their component parts,
  • premises or
  • mobile equipment (e.g. containers or storage tanks),leading to a release of radioactivity or atomic, biological or chemical warfare agents or substances.
• Claims caused by any sudden release of nuclear energy, nuclear radiation or radioactive contamination (whether controlled or uncontrolled).

NB: Kindly refer to your policy document for the detailed exclusions, terms and conditions relating to the Bond Protection Endurance Policy.