DISAPPEARANCE CLAUSE
Notwithstanding anything contained herein to the contrary, it is agreed that if after a period of one year has elapsed and the underwriters have examined all evidence available, shall have no reason to suppose other than an accident has occured, the disappearance of a life insured shall be considered to constitute a claim under this Policy, provided that the person or persons to whom such payment is made shall sign  an undertaking to refund to the company and amount if at any time after the payment has been made the life insured is found to be living.

EXPOSURE CLAUSE
It is hereby declared and agreed that subject to all terms, limitations, conditions and exclusions of this policy except as specifically provided herein, this policy covers claims arising out of bodily injury caused by exposure to the elements as a result of an accident insured hereunder.  It is further provided that in the event of death of the life insured caused by exposure to the elements, this death shall be subject to a decision by properly constituted  judicial body of enquiry that the life insured died of exposure as a result  of an accident.

DEATH BY ACCIDENTAL DROWNING
It is hereby declared and agreed that this Policy is extended to cover death and/or bodily injury  sustained  by the life assured due to accidental drowning.

INTOXICATION & FOOD POISONING CLAUSE
It is hereby declared and agreed that the within Policy is extended to cover bodily injury sustained by the assured due to toxic condition which occurs suddenly in the event of inhaling ,absorbing or taking accidentally and all at one time (excluding toxic conditions which occurs as a result of continous  inhaling, absorbing or taking)of poisonous gas or material outside the body including food poisoning of bacterial nature.

HIJACKING CLAUSE
It is hereby declared and agreed that the within mentioned policy is extended to cover hijacking provided it is not directly or indirectly occasioned or contributed to or traceable to by war, invasion, Act of foreign enemy, hostilities(whether war be declared or not),civil war, rebellion, insurrection or military or usurped power.

SNAKE/INSECT BITE CLAUSE
It is hereby declared and agreed that this Policy is extended to cover death and/of bodily injury sustained by the life assured due to snake bites and/or insect bites.

MURDER AND ASSAULT CLAUSE
It is hereby declared and agreed that cover provided by the within policy shall deem to include death or bodily injury resulting from murder/assault or from any attempt to commit such acts provided such acts are of violent and visible nature inflicted upon the life assured.

SPORTS ACTIVITIES (AMATEUR) CLAUSE
It is hereby declared and agreed that notwithstanding anything contained herein to the contrary, the benefits provided by this insurance are payable in the event of death or permanent disablement arising whilst the life assured is engaged in indoor or outdoor sports as an amateur organised by the Insured Sports Club.

MOTORCYCLING RISK CLAUSE
It is hereby agreed that this Policy extends to cover the Insured  whilst motorcycling for private or business purposes, provided always that the Company shall not be liable for any claim arising out of racing, pace-making or participation of the Insured in any speed contest reliability or other trials.

STRIKE RIOT AND CIVIL COMMOTION
Notwithstanding anything herein contained to the contrary, this Policy extends to cover Death or Disablement as within defined directly or indirectly caused  by Strike Riot or Civil Commotion except in so far as the Insured himself is actively participating when this extension becomes null and void.

MOUNTAINEERING EXTENSION
It is hereby declared and agreed that notwithstanding anything contained herein to the contrary, the benefits provided by this insurance are payable in the event of Death and Permanent Disablement arising whilst the life assured is engaged in mountaineering activities as an amateur.