Common use of Excluded Risks Clause in Contracts

Excluded Risks. Apart from the situations provided for in article 3 of the General Conditions, this Additional Insurance shall not guarantee as well serious illnesses arising from: a) Illnesses predating the acceptance of the insurance; b) All secondary illnesses or tumours associated to the acquired immunodeficiency syndrome or correlated thereto; c) Wounds or injuries caused by acts of hijacking, uprisings, insurrection, riots, brawls, terrorism or sabotage, regardless of the place where these events occur and of their interveners, provided that the Insured/Insured Person takes an active part therein, except in case of legitimate defence; d) Illness accompanied of HIV infection; e) Any illness and/or surgical procedure not defined in this Additional Cover; f) Alcoholism and the use of drugs not medically prescribed; g) An accident, if the Insured/Insured Person is responsible therefor and has a blood alcohol level over 0.50 g/l, or if s/he used toxic drugs, narcotics or psychotropic substances not medically prescribed. It is considered that the Insured/Insured Person was under the influence of toxic drugs, narcotics or psychotropic substances whenever the presence of any of them is detected in his/her organism or in any organic fluid for detection tests; h) Directly or indirectly from an action of which the Insured/Insured Person is the author or an accomplice, as well as his/her attempted suicide.