Commonwealth Consolidated Regulations

INSURANCE CONTRACTS REGULATIONS 1985 - REG 23

The following are excluded:

(a)

death, disablement or unemployment resulting from:

(i)

a deliberately self-inflicted injury;

(ii)

war or warlike activities;

(iii)

expropriation of any property;

(iv)

the use, existence or escape of nuclear weapons material, or ionizing radiation from, or contamination by radioactivity from, any nuclear fuel or nuclear waste from the combustion of nuclear fuel; or

(v)

the insured person:

(A)

being under the influence of intoxicating liquor or of a drug, other than a drug taken or administered by or in accordance with the advice of a duly qualified medical practitioner;

(B)

being addicted to intoxicating liquor or to a drug;

(C)

taking part in a riot or civil commotion;

(D)

acting maliciously; or

(E)

engaging in professional sporting activities;

(b)

death or disablement occurring at a time when the insured person is flying, or engaging in aerial activities, otherwise than as a passenger in an aircraft that is authorised to fly under a law that relates to the safety of aircraft;

(c)

the insured person becoming voluntarily unemployed;

(d)

where the insured person is employed for a specified period or by reference to specified work — the insured person becoming unemployed at the expiration of the period or on the completion of the work.