nota medik xtra

7/26/2019 Nota Medik Xtra

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MARKETING

Marketing Name : i-Medik Xtra RiderDistribution Channel : Agency

Plan Code Plan Name Plan Abbreviation

J27 i-Medik Xtra Rider IL MX150




PLAN DESCRIPTION

(a) This product is a regular unit-deducting rider that can be attached to the investment-linkedfamily takaful basic plan:

i-Great Damai (Plan Code: A003);

i-Great Iqra(Plan Code: 0701); i-Great Damai for conversion products (Plan Code: 0704);

i-Great Iqra for conversion products (Plan Code: 0706);

any other future plans that we may introduce from time to time;at any time, effective at next monthly due.

(b) Tabarru is deducted from the Participants Unit Account (PUA) and channeled to theTabarru Fund.

(c) This rider cannot co-exist with i-Medik Rider (Plan Code: A410-A414).

Note: Same PUA and Tabarru Fund as the basic plan.

PLAN BENEFITS

This rider provides coverage for medical expenses incurred on the Person Covered due to illness(subject to Exclusions, if any) or accidental injury or any other covered eventuality, the plan willreimburse such expenses, up to the maximum number of days and limits according to the planparticipated as stated in the Schedule of Benefits.

Compensation may be claimed from the start of a course of covered treatment until the time it isconfirmed by the medical opinion acceptable to the Takaful Operator that such treatment is no longernecessary.

a) Co-takafulCo-takaful is not applicable for this plan.

b) Waiting PeriodMedical reimbursements provided under this rider shall commence for:i. illness occurring more than 30 days after the rider effective date; orii. accidental injury occurring after the rider effective date.

For specified illnesses, 120 days waiting period shall apply.

Specified illness means the following disabilities and its related complications, occurring within thefirst 120 from the Rider Effective Date:

Hypertension, diabetes mellitus and Cardiovascular Disease;

All tumours, cancers, cysts, nodules, polyps;

Stones of the urinary system and biliary system;

All ear, nose (including sinuses) and throat conditions;

Hernias, haemorrhoids, fistulae, hydrocele, varicocele; Diseases of the Reproduction system including endometriosis;

Vertebro-spinal disorders (including disc) and knee conditions.


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c) Coordination of BenefitsIn the event of expenses incurred on the Person Covered where the expenses is claimed fromother medical plans from other companies or within Great Eastern (the Takaful Operator), thecotakaful and/or deductible of other medical plans from other companies or within the Takaful

Operator which to be imposed on the Person Covered can be claimed from this plan, up to thelimits and sub-limits according to the plan participated as stated in the Schedule of Benefits.

d) Schedule of BenefitsThere are four riders available for selection with a daily Room and Board rate of RM150, RM200,RM300, and RM400 respectively.

The details of covered benefits are stated in the Schedule of Benefits as follow:

Item Covered Benefits

Plan Type

IL MX150(RM)

IL MX200(RM)

IL MX300(RM)

IL MX400(RM)

1Hospital Room and Board(Limit per day, subject to a maximum of 180

days per certificate year for Items (1) and(2) in aggregate)

150 200 300 400

As charged, subject to the limit stated above.

2Intensive Care Unit(Subject to a maximum of 180 days percertificate year for Items (1) and (2) inaggregate)

As charged.

3 Hospital Supplies and Services

As charged.

Reimbursement of Reasonable and CustomaryCharges which is consistent with those usually

charged to a ward or room and boardaccommodation which is approximate to andwithin the daily limit of the amount stated in

Hospital Room and Board benefit under the plancovered.

4 Surgical Fees

5 Operating Theatre

6 Anaesthetist Fees

7 In Hospital Physician Visit(2 visits per day)

8 Pre-Hospital Diagnostic Tests(Within 60 days before hospitalisation)

9 Pre-Hospital Specialist Consultation(Within 60 days before hospitalisation)

10 Post-Hospitalisation Treatment(Within 90 days after hospital discharge)

11 Organ Transplant(Limit to once per lifetime as receiver)

12 Ambulance Fees

13 Day SurgeryAs charged.14 Outpatient Cancer Treatment

15 Outpatient Kidney Dialysis Treatment

16 Emergency Accidental Outpatient

Treatment(Limit per certificate year, subject to amaximum of 30 days from date of accident)

3,000 4,000 6,000 8,000

As charged, subject to the limit stated above.

17 Daily-Cash Allowance at MalaysianGovernment Hospital(Per day, subject to a maximum of 180 daysper certificate year)

50 100 150 200

18 Intraocular Lens Up to 1,000 per eye and maximum of 2,000 perlifetime.

19 Initial Overall Annual Limit for Items (1)to (18)(Based on paid amount)

90,000 120,000 160,000 200,000

20 Increase to the Initial Overall Annual

Limit

10% increase in Initial Overall Annual Limit every

3 certificate years provided that no claim has beenmade during the immediate preceding 3 certificateyears.


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Item Covered Benefits

Plan Type

IL MX150(RM)

IL MX200(RM)

IL MX300(RM)

IL MX400(RM)

21 Overall Annual Limit for Items (1) to (18)

(Based on paid amount)

Total of Initial Overall Annual Limit and any

cumulative increase to the Initial Overall AnnualLimit.

22 Overall Lifetime Limit for Items (1) to (18)(Based on paid amount)

900,000 1,200,000 1,600,000 2,000,000

23 Accidental Death Benefit 10,000 15,000 20,000 20,000

24 Accidental Total and PermanentDisability (TPD) Benefit

1

10,000 15,000 20,000 20,000

25 Supreme Assist(Emergency Medical Assistance Services)

In accordance with the benefit provisions inSupreme Assist contract.

26 Car Assistance Programme In accordance with the benefit provisions in CarAssistance Programme contract.

Note:

1Double amount of Accidental Death Benefit or Accidental TPD Benefit, based on the plan chosen,will be payable if the Person Covereds death or TPD is resulted while the Person Covered:

i) travels in public conveyance (other than a cable car, taxi, hired car or any form of transportchartered for private travel); or

ii) is in electric lift; oriii) is in any hotel or other public buildings which is on fire.

Description of Benefits

1. Hospital Room and BoardReimbursement of the Reasonable and Customary Charges incurred for Medically Necessaryroom accommodation and meals. The amount payable for this benefit shall be equal to theactual charges made by the Hospital during Hospitalisation of the Person Covered, subject to

the daily rate of Hospital Room and Board, the maximum number of days and the limits statedin the Schedule of Benefits. A Person Covered will only be entitled to this benefit while confinedto a Hospital as an Inpatient.

2. Intensive Care UnitReimbursement of the Reasonable and Customary Charges for Medically Necessary actualroom and board incurred during confinement of a Person Covered as an Inpatient in theIntensive Care Unit of a Hospital. The amount payable for this benefit shall be equal to theactual charges made by the Hospital, subject to the maximum number of days and the limitsstated in the Schedule of Benefits. No Hospital Room and Board benefit and Intensive CareUnit benefit shall be paid concomitantly.For the avoidance of doubt, if Intensive Care Unit benefit is payable for a confinement period,no Hospital Room and Board benefit shall be payable for the same confinement period.

3. Hospital Supplies & ServicesReimbursement of the Reasonable and Customary Charges actually incurred for:- general nursing;

- Prescribed and consumed drugs and medicines;

- dressings, splints and plaster casts;

- x-ray;

- laboratory examinations;

- electrocardiograms;

- physiotherapy;

- basal metabolism tests;

- intravenous injections and solutions; or

- administration of blood and blood plasma but excluding the cost of blood and plasma whilethe Person Covered is confined as an Inpatient in a Hospital,which is Medically Necessary, subject to the limits stated in the Schedule of Benefits.


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4. Surgical FeesReimbursement of the Reasonable and Customary Charges incurred for Medically Necessarysurgery by the Specialists, including Pre-Hospital Specialist Consultation and Post-hospitalisation Treatment, subject to the limits stated in the Schedule of Benefits. If more than

one surgery is performed for Any One Disability, the total payments for all the surgeriesperformed shall not exceed the limits stated in the Schedule of Benefits.

5. Operating TheatreReimbursement of the Reasonable and Customary Charges incurred for operating roomincidental to Medically Necessary surgical procedure, subject to the limits stated in theSchedule of Benefits.

6. Anaesthetist FeesReimbursement of the Reasonable and Customary Charges incurred for Medically Necessaryadministration of anaesthesia by the anaesthetist, subject to the limits stated in the Schedule ofBenefits.

7. In Hospital Physician VisitReimbursement of the Reasonable and Customary Charges incurred for Medically NecessaryPhysicians visit to an Inpatient who is confined for Disability, subject to a maximum of two (2)visits per day and the limits stated in the Schedule of Benefits.

8. Pre-Hospital Diagnostic TestsReimbursement of the Reasonable and Customary Charges incurred within sixty (60) dayspreceding Hospitalisation, for Medically Necessary ECG, x-ray and laboratory tests which arerecommended by a qualified medical practitioner and performed for diagnostic purposes onaccount of an Injury or Illness and in connection with a Disability, subject to the limits stated inthe Schedule of Benefits. No payment shall be made if the Person Covered does not result inHospitalisation for the treatment of the medical condition diagnosed upon such diagnosticservices. In addition, medications and consultation charged by the medical practitioner shall not

be payable.

9. Pre-Hospital Specialist ConsultationReimbursement of the Reasonable and Customary Charges incurred within sixty (60) dayspreceding Hospitalisation, for Medically Necessary first time consultation by a Specialist inconnection with a Disability provided that such consultation has been recommended in writingby the attending general practitioner, subject to the limits stated in the Schedule of Benefits.

No payment shall be made for clinical treatment (including medications and subsequentconsultation after the Illness is diagnosed) or where the Person Covered does not result inHospitalisation for the treatment of the medical condition diagnosed.

10. Post-hospitalisation Treatment

Reimbursement of the Reasonable and Customary Charges incurred within ninety (90) daysimmediately following discharge from Hospital for a Disability, for Medically Necessary follow-uptreatment by the same attending Physician, subject to the limits stated in the Schedule ofBenefits. This shall include Prescribed Medicines during the follow-up treatment but shall notexceed the supply needed for the maximum of ninety (90) days from the date of discharge.

11. Organ TransplantReimbursement of the Reasonable and Customary Charges incurred on transplantation surgeryfor the Person Covered being the recipient of the transplant of a kidney, heart, lung, liver orbone marrow. This benefit is applicable only once per lifetime while this rider is in force andshall be subject to the limits stated in the Schedule of Benefits. The costs of acquisition of theorgan and all costs incurred by the donors are not covered under this rider.


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12. Ambulance FeesReimbursement of the Reasonable and Customary Charges incurred for Medically Necessarydomestic ambulance services (inclusive of attendant) to and/or from the Hospital, subject to thelimits stated in the Schedule of Benefits. No payment shall be made if the Person Covered is

not hospitalised.

13. Day SurgeryReimbursement of the Reasonable and Customary Charges incurred for a Medically NecessaryDay Surgery. This shall include the following surgical procedures which are commonlyperformed safely as Day Surgery:- Adenoidectomy;

- Bone Marrow Aspiration and Biopsy;

- Cataract removal;

- Colonoscopy;

- Cystourethroscopy;

- Endolaser Venous Surgery;

- Endoscopic Retrograde Cholangiopancreatography;

- Excision of Bunions;- Excision of Ganglion, Fibroma(s) and Breast Lump(s);

- Excision of Pterygium;

- Extra corporeal Shock Wave Lithotripsy;

- Herniotomy / Herniorapphy;

- Insertion or Removal of Ureteric J-Stent;

- Laparoscopic Endometrial Ablation;

- Laparoscopy;

- Laryngoscopy;

- Laser Photocoagulation treatment for Retinal Detachment ;

- Marsupialisation and drainage of Bartholin's Cysts;

- Myringotomy or Myringoplasty;

- Reduction of Bone Fracture(s);- Release of Carpal Tunnel (Carpal Tunnel Decompression);

- Release of Dupuytren's contracture;

- Removal of Cervical Polyps;

- Removal of Nasal Polyps;

- Removal of Plate and Screw/implants;

- Rubber Banding of Haemorrhoids.

The Takaful Operator may extend the above list of surgical procedures which are commonlyperformed safely as Day Surgery, from time to time, at its sole discretion. If any such surgicalprocedure is performed while the Person Covered is an Inpatient, only the equivalent benefit ofDay Surgery shall be paid, unless the Takaful Operators appointed medical practitioner hasgiven prior approval.

14. Outpatient Cancer TreatmentIf a Person Covered is diagnosed with Cancer as defined below, the Takaful Operator shallreimburse the Reasonable and Customary Charges incurred for the Medically Necessarycancer treatment performed at a legally registered cancer treatment center, subject to the limitsstated in the Schedule of Benefits.

Such treatment (radiotherapy or chemotherapy including consultation, examination tests andtake home drugs) must be received at the Outpatient department of a Hospital or a registeredcancer treatment centre immediately following discharge from Hospital.


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15. Outpatient Kidney Dialysis TreatmentIf a Person Covered is diagnosed with Kidney Failure as defined below, the Takaful Operatorshall reimburse the Reasonable and Customary Charges incurred for the Medically Necessarykidney dialysis treatment performed at a legally registered dialysis center, subject to the limits

stated in the Schedule of Benefits.

Such treatment (dialysis including consultation, examination tests and take home drugs) mustbe received at the Outpatient department of a Hospital or a registered dialysis treatment centerimmediately following discharge from Hospital.

In addition to the exclusion of Pre-existing Illness, this benefit shall not be payable for anyPerson Covered who has developed chronic renal diseases and/or is receiving dialysistreatment prior to the Rider Effective Date.

16. Emergency Accidental Outpatient TreatmentReimbursement of the Reasonable and Customary Charges incurred for Medically Necessarytreatment as an Outpatient at any registered Clinic or Hospital as a result of a covered bodily

injury arising from an Accident, within 24 hours of such Accident and subject to the maximumamount and the limits stated in the Schedule of Benefits. Follow-up treatment by the sameDoctor or same registered Clinic or Hospital for the same covered bodily Injury shall beprovided up to a maximum of thirty (30) days from date of Accident, subject to the maximumamount and the limits stated in the Schedule of Benefits.

17. Daily-Cash Allowance at Malaysian Government HospitalPays a daily allowance for each day of confinement for a covered Disability in a MalaysianGovernment Hospital, provided that the Person Covered shall confine to a Hospital Room andBoard rate that does not exceed the Hospital Room and Board rate as stated in item 1 above,subject to the maximum number of days and the limits stated in the Schedule of Benefits.

18. Intraocular Lens

Reimbursement of Reasonable and Customary Charges incurred for Medically NecessaryIntraocular Lenses up to Ringgit Malaysia ONE THOUSAND (RM1,000) per eye, subject to amaximum of Ringgit Malaysia TWO THOUSAND (RM2,000) per lifetime. This benefit is furthersubject to the limits stated in the Schedule of Benefits.

e) Accidental Death BenefitWhile this rider is in force, in the event of death of the Person Covered resulting directly andsolely from an Accident, the Takaful Operator shall pay a pre-fix amount as stated in theSchedule of Benefits in one lump sum.Provided that:i) the Accident occurs on or after the Rider Effective Date and before the Certificate

Anniversary on which the Person Covereds age is seventy (70) years next birthday; and

ii) the death of the Person Covered occurs within ninety (90) days of sustaining the Injury;

andiii) written notice of such Accident with full particulars must be provided to the Takaful

Operator immediately upon death of the Person Covered.

Double Accidental Death Benefit will be payable if the Person Covereds death is resulted whilethe Person Covered:i) travels in public conveyance (other than a cable car, taxi, hired car or any form of

transport chartered for private travel); orii) is in electric lift; oriii) is in any hotel or other public buildings which is on fire.


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f) Accidental Total and Permanent Disability (TPD) Benefit

While this rider is in force, in the event of TPD of the Person Covered resulting directly andsolely from an Accident, the Takaful Operator shall pay a pre-fix amount as stated in theSchedule of Benefits in one lump sum.

Provided that:i) the Accident occurs on or after the Rider Effective Date and before the CertificateAnniversary on which the Person Covereds age is seventy (70) years next birthday; and

ii) the TPD of the Person Covered occurs within ninety (90) days of sustaining the Injury;

iii) the TPD of the Person Covered must be certified by a Medical Practitioner appointed bythe Takaful Operator, to have continued for at least six (6) consecutive months from thedate of disability; and

iv) written notice of such Accident with full particulars must be provided to the TakafulOperator immediately upon TPD of the Person Covered.

Double Accidental TPD Benefit will be payable if the Person Covereds TPD is resulted whilethe Person Covered:i) travels in public conveyance (other than a cable car, taxi, hired car or any form of

transport chartered for private travel); orii) is in electric lift; oriii) is in any hotel or other public buildings which is on fire.

Person Covered can only claim either benefit (e) or (f).

g) Overseas TreatmentIf the Person Covered elects to be treated outside of Malaysia or is referred to be treated outsideof Malaysia by the attending physician, benefits in respect of the treatment shall be limited to theReasonable and Customary Charges for such equivalent treatment in Malaysia and shall excludethe cost of transportation to the place of treatment.

h) Residence Overseas

No benefit shall be payable for any medical treatment received by the Person Covered outside ofMalaysia if the Person Covered resides or travels outside of Malaysia for more than 90consecutive days.

UNDERWRITING GUIDELINES

Minimum/Maximum Age at Entry

Entry AgePlan Type

IL MX150 IL MX200 IL MX300 IL MX400

Minimum 30 days attained age

Maximum60 years next

birthday

65 years next birthday(Entry age is 61 to 65 is subject to medical underwriting and

compulsory medical checkup)

Minimum/Maximum TermMaximum expiry age: Certificate anniversary of 80 years next birthday

Minimum/Maximum Sum CoveredNot applicable.

Non-Medical LimitsIn general, medical examination is not required. However, the Takaful Operator reserves the absoluteright to call for a medical examination, if necessary.


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BackdatingNot allowed.

Renewal / Change in Occupation

The renewal of this rider is guaranteed subject to portfolio withdrawal. The Tabarru rates may bechanged from time to time as the Takaful Operator may determine at its sole discretion. Suchchanges, if any, shall be applicable to all Person Covered irrespective of their claim experience.

The Person Covered must inform the Takaful Operator of any change in the nature of his or heroccupation. The Takaful Operator may at its discretion alter any provisions, terms, conditions andbenefits of the Plan.

Occupation LoadingNot applicable.

Health LoadingApplicable as per current i-Medik Rider.

Multiple ApplicationsOnly one medical card is allowed per Person Covered under Great Eastern Takaful Berhad.

CHARGES

Tabarru(a) Tabarru is deducted monthly by cancellation of units at the beginning of each certificate month.(b) Tabarru rates are not guaranteed and varies by the attained age, gender, and occupation

classification of the Person Covered.(c) Tabarru rates are subjected to GST of 6%.

The Takaful Operator reserves to revise the charges by giving 30 daysadvance written notice. Any

revision of the Tabarru shall take effect on the certificate anniversary immediately following the expiryof the 30 days notice.

Female RatesSeparate Tabarru rates applicable for male and female.

Occupational Class RatesThe standard rates are applicable to occupation classes 1 and 2. Separate rates are applicable tooccupation class 3 and class 4.

Non-smoker Discount / Large Sum Covered Discount / Staff DiscountNot applicable.

AGENCY COMPENSATION

Basic Commission & Overriding Commission & Other Agency CompensationNot applicable since these are unit deducting riders. Commission is only payable on the BasicContributions.

OTHER PRIVILEGES

1. NominationNot applicable, as all benefits are given to the Person Covered.


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2. Third Party CertificateFollow basic plan.

3. Free-look period

Participant is allowed to cancel this rider within 15 days after the Participant have received thecertificate. The Tabarru that have been deducted will be credited back into the PUA.

4. ReinstatementFollow basic plan.

RIDERS/SUPPLEMENTARY BENEFITS

i-Medik Plus Rider (Plan Code: J1J3), with matching Hospital Room & Board.

EXCLUSIONS(In the event of discrepancies, please refer to sample certificate).

The Takaful Operator will not pay any benefit under this rider as a result of, including of any of thefollowing whether directly or indirectly:1. Pre-existing Illness;2. Specified Illnesses occurring within the first 120 days from the Rider Effective Date;3. any medical or physical conditions arising within the Waiting Period except for Injury;4. plastic/cosmetic Surgery, circumcision, eye examination, glasses, and refraction or surgical

correction of nearsightedness (Radial Keratotomy or Lasik) and the use or acquisition of externalprosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers andprescriptions thereof;

5. dental conditions including dental treatment or oral Surgery, except as necessitated by Injury tosound natural teeth occurring in any Certificate Year and performed by Dentist;

6. private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venerealdisease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related

Complex) and HIV related Diseases, and any communicable diseases required quarantine bylaw;

7. any treatment or surgical operation for Congenital Conditions or deformities including hereditaryconditions;

8. pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal orpostnatal care and surgical, mechanical or chemical contraceptive methods of birth control ortreatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotenceor sterilization;

9. Hospitalisation primarily for investigatory purposes, diagnosis, x-ray examination, generalphysical or medical examinations, not incidental to treatment or diagnosis of a covered Disabilityor any treatment which is not Medically Necessary and any preventive treatments, preventivemedicines or examinations carried out by a Physician, and treatments specifically for weightreduction or gain;

10. suicide, attempted suicide or intentionally self-inflicted Injury, while sane or insane;11. war or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any

armed forces, direct participation in strikes, riots and civil commotion or insurrection;12. ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from

process of nuclear fission or from any nuclear weapons material;13. for the transplantation Surgery with the Person Covered being the recipient of the transplant,

cost of acquisition of the organ including all costs incurred by the donor during organ transplantand its complications;

14. investigation and treatment of sleep and snoring disorders, hormone replacement therapy, andalternative therapy such as treatment, medical service or supplies, including but not limited tochiropractic services, acupuncture, acupressure, reflexology, bone setting, herbalist treatment,massage or aromatherapy or other alternative treatment;


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15. care or treatment for which payment is not required or to the extent which is payable by anyother insurance / family takaful or indemnity covering the Person Covered and disabilitiesarising out of duties of employment or profession that is covered under a WorkmansCompensation Insurance Contract;

16. psychotic, mental or nervous disorders, (including any neuroses and their physiological orpsychosomatic manifestations);17. costs/expenses of services of a non-medical nature, such as television, telephones, telex

services, radios or similar facilities, admission kit/pack and other ineligible non-medical items;18. Sickness or Injury arising from racing of any kind (except for foot racing), hazardous sports

such as but not limited to sky-diving, water skiing, underwater activities requiring breathingapparatus, winter sports, professional sports and illegal activities;

19. private flying other than as a fare-paying passenger in any commercial scheduled airlineslicensed to carry passengers over established routes;

20. expenses incurred for sex change;21. any Outpatient treatment not related to Inpatient treatment, except as provided under this rider;22. charges which are not Reasonable and Customary Charges, or any Surgery or treatment

which is not Medically Necessary, or charges in excess of Reasonable and Customary

Charges, or charges which are incurred for Hospitalisation, pre-hospitalisation and/or post-hospitalisation after the Expiry Date.

In addition to the above, the Takaful Operator will not pay Accidental Death Benefit and AccidentalTPD Benefit, for any Injury resulting in loss suffered, as a result of, including any of the followingwhether directly or indirectly:1. Suicide, attempted suicide or intentionally self-inflicted injuries, while sane or insane;2. bodily infirmity, or mental or functional disorder, or Illness or Disease of any kind, or any

infections, other than infections occurring simultaneously with and in consequence of anaccidental cut or wound;

3. mosquito bite which leads to any Illness including but not limited to dengue fever, malaria, viralencephalitis or worm infestations such as Hookworms and allergic reaction to insect bites;

4. war or any act of war, declared or undeclared, criminal activities, active duty in any armed

forces, direct participation in strike, riots and civil commotion or insurrection;5. from the action of any armed forces, or from Accident or violence arising by reason of theexistence of a state of armed conflict;

6. engaging in aerial flights other than as a crew member or as a fare-paying passenger of alicensed commercial airline operating on a regular scheduled route;

7. as a result of the Person Covered committing, attempting or provoking an assault or a felony,or from any violation or attempted violation of law by the Person Covered or resistance toarrest;

8. while under the influence of alcohol or drugs unless taken as prescribed by a Physician. Forthe avoidance of doubt, a person is considered as under the influence of alcohol if the breath,blood or urine test result is over the following limit:8.1 35 mcg of alcohol per 100ml of breath8.2 80mg of alcohol per 100ml of blood

8.3 107 mg alcohol per 100ml of urine;9 Injury arising from racing of any kind (except for foot racing), hazardous sports or activities that

involve speed, height, high level of physical exertion, highly specialized gear or spectacularstunts such as but not limited to bungee jumping, parachuting, scuba diving, sky-diving, waterskiing, underwater activities requiring breathing apparatus, winter sports, Professional Sportsand illegal activities. For the avoidance of doubt, Professional Sports means engaging in anyphysical activity in a professional capacity or where the Person Covered would or could earnincome or remuneration from engaging in such activity;

10 from childbirth, pregnancy and/or any complications thereof;11 ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from

process of nuclear fission or from any nuclear weapons material; or12 from the Person Covered engaging in commando or bomb disposal duties/training.

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