Cura Administrators shall not be liable for hospitalisation, bodily injury, sickness or related disease, directly or indirectly as a result of, or in consequence of:

• Exposure to discharge of nuclear weaponry fallout or by ionising radiation or contamination by radioactivity from any nuclear matter or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception, combustion shall include any self-sustaining process of nuclear fission;
• Investigations, treatment and surgery for obesity, resulting as a consequence of previous cosmetic surgery other than as a result of an otherwise insured and authorised event;
• Cosmetic surgery shall include surgery for breast reduction or reconstruction unless necessitated as a result of treatment for cancer;
• Suicide, attempted suicide or intentional self-injury;
• Consuming any drug or narcotic unless prescribed by and taken in accordance with the instructions of a registered medical practitioner (other than the insured person) or any illness caused by the abuse of alcohol;
• Drug addiction;
• An event directly attributed to the insured person having a blood alcohol concentration in excess of the legal permitted level;
• Participation in:

1. Active military duty, police duty, police reservist duty, civil commotion, labour disturbances, riot, strike or the activities of locked out workers;
2. Aviation other than as a passenger;
3. Any form of race or speed test, other than on foot or involving any non-mechanically propelled vehicle, vessel, craft or aircraft;

• No benefits shall be payable for an insured event for which the Insured member received treatment or advice twelve (12) months prior to date of inception. This exclusion applies to the first twelve (12) months of an insured’s cover only;
• No benefits shall be payable for pregnancy or childbirth for a period of nine (9) months from date of inception of this policy;
• Investigations, treatment or surgery for artificial insemination or hormone treatment for infertility;
• Depression, insanity or mental stress or psychotic/psychoneurotic disorders;
• No benefits shall be payable in the event of a fraudulent claim submissions.
• These benefits do not apply to an incident in any territory outside of the borders of the Republic of South Africa, Botswana, Lesotho, Swaziland and Namibia.