The policy does not cover war risks, existing physical or mental defects, suicide, self-injury, participation in a criminal act, professional sports, racing of any kind (other than on foot), caving, parachuting, hang-gliding, hunting, mountaineering requiring ropes or guides, traveling as an aircraft crew, aerial activities, martial arts, radiation or contamination by radioactivity, and nuclear weapons material.

Full list of exclusions is obtainable from Berjaya Sompo Insurance Berhad upon application.