AKSITEXT
Accidental Loss of Life Benefit
(Group Short Term Personal Accident)

1. BENEFITS PROVISIONS

ACCIDENTAL LOSS OF LIFE BENEFIT

When Injury results in the loss of life of the Insured within one hundred eighty (180) days after the date of the accident, we will pay the Principal Sum.

COVERAGE LIMITATION FOR MURDER

In case of murder or any attempt thereof, our liability for any loss shall be the benefit stated for the different coverages indicated herein up to an amount indicated in the Schedule.³

FLYING COVERAGE

We will pay any benefit payable if the Insured suffers an Injury while as a passenger (not as an operator or crew member), boarding, or alighting from a certified passenger aircraft provided by a commercial airline on any regular, scheduled or non-scheduled, special or chartered flight, and operated by a properly certified pilot flying between duly established and maintained airports over an established passenger route.

COVERAGE LIMITATION FOR CATASTROPHIC LOSS

The maximum aggregate liability of the Company per any one accident under the Policy shall be the amount indicated in the Schedule3. In the event said maximum aggregate liability for any one accident is insufficient to pay the full amount of indemnity for each and all insured persons, then the amount payable to each insured shall be reduced in proportion to the maximum aggregate liability for any one accident.

In the event of a single accident involving several insured persons, any amount of premiums paid in excess of the premiums corresponding to the maximum aggregate liability for any one accident will be refunded to the Assured.

LIMITATION OF COVERAGE

The maximum coverage per life is indicated in the Schedule3. Should the total coverage payable from the Policy covering the Insured exceed the foregoing applicable limit indicated above, then the coverage under the last Policy(ies) which gave rise to the excess shall be correspondingly reduced and all premiums paid on such portion shall be returned to the Insured.

2. POLICY EXCLUSIONS

EXCLUSIONS

We will not pay any benefit under this Policy for Injury or Events as stipulated in this Policy, caused directly or indirectly, wholly or partly: (a) by intentionally self-inflicted injury, suicide or any attempt thereat , while sane or insane; (b) by war, invasion, act of foreign enemy, acts of terrorism, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, strike, civil war, rebellion, revolution, insurrections, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege, seizure, quarantine, or nationalization by or under the order of any government or public or local authority; (c) by any weapon or instrument employing atomic fission, thermonuclear fusion or any form of radiation, whether in time of peace or war; (d) by homicide or any attempt thereof, or physical injuries, occasioned by the provocation of the Insured; (e) by congenital anomalies and conditions arising therefrom; (f) by pregnancy and resulting childbirth, miscarriage or abortion; (g) by cosmetic or plastic surgery, except as a result of Injury; (h) while the Named Insured is in active service in the Armed Forces of any country or any international authority and in such an event, we, upon written notification by the Insured, shall return the pro-rata premium for any such period of service; (I) while in any attempted commission of, or willful participation by the Insured in, any crime punishable under any prevailing law or ordinance of the Philippines, or of any country in which the crime was attempted; (j) while resisting lawful arrest; (k) while entering, leaving, operating, servicing, or being in, on, or about any aerial or submarine device or conveyance except as specifically provided herein; (l) by medical and surgical treatment except as may be necessary solely as a result of Injury; (m) by dental care or surgery except to natural teeth as occasioned by Injury; (n) while under the influence of alcohol or unprescribed drugs; (o) by alcoholism or drug addiction; (p) by disease, bacterial infection or out of or consequent upon or contributed to by Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC); (q) by hernia, ptomaines, or other bacterial infections which are not pyogenic infections occurring at the same time with or because of any accidental cut or wound; (r) by circumcision, sterilization, artificial insemination, sex transformation, diagnosis and treatment of infertility, congenital deformities and defects; (s) by mental or nervous disorders; (t) by poison, gas or fumes voluntarily or involuntarily taken; (u) by automobile and motorcycle racing, judo, karate and similar martial arts, scuba diving, hang-gliding and sky-diving; (v) routine health checks, any investigation(s) not directly related to admission diagnosis, illness or injury, or any treatment or investigation which is not medically necessary, or convalescence, custodial or rest care; (w) pre-existing condition.