2.2 Risks excluded from additional covers
The risks and events brought about as a consequence of the following are not covered in the accidental death cover, permanent total disability cover or permanent total disability due to an accident cover, described in Articles 1.C.1, 1.C.3 and 1.C.4:
a. Self-inflicted wounds, attempted suicide, intoxication or use of narcotics and drugs not prescribed by a physician.
b. The practice of or participation in equestrian competitions, motorcycle races, car races, mountain climbing, rock climbing, spelunking, deep-sea diving at depths of over 25 metres, hang gliding, paragliding, flights in ultralight aircraft or similar craft, parachute descents not required due to the status of an aircraft and any other type of sport or activity entailing, as a result of its dangerous nature, a risk to the physical integrity of the insured
c. Wounds or bodily injuries caused to the insured by him or herself by the beneficiary of the policy.
d. Illnesses or accidents occurring as a result of alcoholism or the use of narcotics and drugs not prescribed by a physician.
e. Any loss resulting from an act of recklessness or grave negligence on the part of the insured, when legally so declared, as well as any arising from his active participation in criminal acts, duels or brawling or fighting, except, in case of the latter, when acting in legitimate defence or in an effort to save persons or property.
f. Accidents caused by earthquakes, volcanic eruption, flooding and other extraordinary seismic or meteorological events.
g. Consequences of an illness that existed or of an accident that occurred prior to the effective period of the policy and was known but not declared by the insured on the health questionnaire.
h. Road-traffic accidents that the insured may suffer as driver of a motor-cycle, moped or motorbike of more than 125 cc.
i. In the event of the additional sum insured for death and permanent total disability due to an accident, disability or death caused by Acquired Immunodeficiency Syndrome or any associated illness is expressly excluded from the definition of accident.
j. Risks not covered by any of the policies listed in Article 2.1
Risks or events arising as a result of the following are not covered in the covers for death due to a road-traffic accident and permanent total disability due to a road-traffic accident as stipulated in Articles 1.C.2 and 1.C.5:
a. Accidents caused as a result of the insured's participation as a contestant in races with any type of automobile, rallies, competitions and bets, and also as a driver if he / she is not the holder of the requisite driver's licence for the corresponding vehicle.
b. Accidents that may occur to the insured in his / her capacity as a personal chauffer or member of the operating personnel of a means of land, sea or air transport.
c. Risks not covered in any of the covers listed above in Articles 2.1 and 2.2
The following are not covered in the serious illnesses cover as described in Article 1.C.6:
a. Major illnesses diagnosed for the first time prior to the insurance policy's inception date or caused by a surgical intervention prior to said date.
b. Major illnesses caused by or relating to the acquired immunodeficiency syndrome (AIDS) or the presence of the human immunodeficiency virus (HIV), verified by means of testing positive in an antibody test.
c. Any illness or surgical intervention other than those expressly described in this Section 6
d. Self-inflicted wounds, attempted suicide, intoxication or use of narcotics and drugs not prescribed by a physician.