MCI PRO 315

Which is caused by the following:

• Attempted suicide or self-harm, whether sane or insane, carried out by the insured and/or by others at the direction of those with an interest in the Insurance;

• War, state of war, or war emergencies, whether declared or not;

• Engaging in or actively participating in demonstrations, strikes, riots, civil commotion, rebellion, coup d'état, or illegal activities;

• As a passenger or crew member of an aircraft other than scheduled and licensed commercial flights;

• Abuse and/or any activities related to the use of alcohol, narcotics, drugs, prohibited substances, toxins, gases, any type of waste, nuclear radiation, and similar substances, whether intentionally or accidentally related to the insured's occupational or professional risks;

• Engaging in dangerous activities on land, in the air, or underwater, such as parachuting, diving, hang gliding, car racing, motorboat racing, motorcycle racing, bungee jumping, white-water rafting, contact sports, rock climbing, caving, boxing, or any other risky sports/activities;

• Congenital abnormalities;

• Mental disorders, intellectual disabilities, neuroses other than Critical Illnesses covered and listed in the Critical Illness List, psychosomatic or psychotic disorders; or

• The presence of Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) in the insured, unless AIDS or HIV is covered and listed in the Critical Illness List.