Typical exclusions to a personal accident and sickness insurance policy are:
- The insured being under the influence of, or being affected by, alcohol or drugs, unless under medical supervision
- Engaging in aviation, other than air travel as a passenger
- self-inflicted injury or disease
- physical defects or infirmity which existed prior to an accident
- hazardous pursuits
- childbirth, pregnancy, venereal disease or AIDS
- War risks.
