2.1 Risks excluded from all cover
The following risks are expressly excluded from the basic cover and from any contracted additional covers of the policy.
a. Over the first year of the period of insurance, the insurer will not cover the risk of death by suicide. Upon completion of this period, it assumes said risk. In the event of reinstatement of the policy, or if the policyholder increases the sum insured for death, whether as a basic cover or as any form of additional cover, the same criteria shall be followed, such that:
In the event of reinstatement, the insurer will not cover the risk of death by suicide for the first year following the reinstatement date.
In the event of an increase in the sum insured, the insurer will not cover the risk of death by suicide in proportion to the amount by which the sum insured is increased, for the first year following the date of said increase.
b. The risk of a plane crash will be covered providing the insured takes part in the flight as a mere passenger on a regular commercial line, charter flight or, in general, on any civilian aircraft that has a duly authorised certificate of airworthiness. In all cases, the aircraft must be piloted by persons holding a valid pilot's licence for the authorised craft. Claims occurring as a result of parachute descents not required due to the status of the aircraft, as well as flights or descents with paragliders, hang gliders, ultralight aircraft or similar craft, shall likewise not be covered.
c. Claims occurring as a direct or indirect consequence of a nuclear reaction or radiation or radioactive contamination and those occurring during underwater navigation or on exploration expeditions.
d. Should the death of the insured be caused intentionally by his or her sole beneficiary, the insurer will be released from its obligations to said beneficiary, and the sum insured will be incorporated into the policyholder's estate. In the event that there is more than one beneficiary, those not involved in the death of the insured will retain their rights.
e. Claims occurring as a result of war or similar operations or derived from political or social events.