Examples of the events not covered by the 1MMPP include:
- For Death: suicide within one (1) year from effective date or date of reinstatement or involved in any unlawful acts.
- For Total and Permanent Disability: suicide, engaged in hunting, mountaineering, aviation, naval, military or aeronautical service, or racing of any kind, war, riot, rebellions, terrorism related activity, chemical warfare/activities, under the influence of alcohol, un-prescribed narcotic, or pre-existing conditions.
- For Daily Hospital Income: suicide, diseases resulting from AIDS, injuries caused by willful misuse of drugs, involved in any hazardous activities, engaged in military service, pregnancy related complication, pre-existing Illness, due to plastic surgery or any form of dental care or surgery or due to any general check-up.
- And other standard exclusions.
The description, benefits, exclusions, terms and conditions described above have been summarized and are not exhaustive. Details of more complete terms, conditions and exclusions are available in the Certificate of Insurance.