This Policy does not cover:
(a) For Accidental Death Benefit and Accidental Disability Benefit:
- Self-inflicted injury, suicide or illegal act (including road traffic offences).
- Driving/riding without a valid license.
- Driving while intoxicated.
- Professional/motor sports.
- War (whether declared or not), invasion, civil war, riot, civil commotion.
- Engaging in aviation other than as a fare-paying passenger.
- Pre-existing medical conditions.
- Illness and diseases.
- Venereal disease, congenital conditions.
- Pregnancy, childbirth, miscarriage or abortion.
- Acupuncture treatment.
(b) For Online Shopping Fraud Benefit, Purchase Protection Benefit and Buyer’s Protection Benefit:
- Losses which are recoverable from any other sources such as but not limited to Your bank, Payment Card provider, Third Party website/trading platforms etc.
- Any incident occurring prior to the Effective Date of Cover or after the Your Coverage is expired, cancelled or terminated.
- A mass cyber-attack or a potential mass cyber-attack.
- Any other or consequential loss, including but not limited to unauthorised transactions on Your Payment Cards or the Atome Platform, due to a Fraudulent transaction leading to the cloning of the Payment Cards or identity theft.
- Theft of Electronic Devices whilst at your place of employment.
- Any claim for Malicious Damage which was caused by You or Your immediate Family/Relative.
- Any claim if You sell or transfer the ownership of the Insured Item(s) to another person or the usage of the Insured Item(s) is transferred to another person outside of Your Immediate Family /Relatives.
- Losses for Insured Item(s) that are meant for corporate or business use.
- Insured Item(s) was delivered to an address different to the address stated on the delivery note, on Your request.
This list is non-exhaustive. Please refer to the Policy Wording for the full list of exclusions under the Policy.