Any period an Insured Person is serving in the Armed Forces of any country of international authority, whether in peace or war, and in such an event the Company, upon written notification by the Policyholder, shall return the pro rated  premium for any such period of service; nor

War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, civil commotion, active participation in riot or strike, civil war or rebellion, revolution, insurrection, conspiracy, military or usurped power, martial law or state of siege; or any of the events or causes which determine the proclamation of or enforcement of martial law or state of siege; except to the extent coverage is extended herein to include certain war risks; nor

Intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane; nor

Congenital anomalies and conditions arising out of or resulting from therefrom, hernia or dental treatment except to sound teeth as occasioned by injury; nor

Loss sustained or contracted in consequence of an Insured Person being intoxicated or under the influence of any narcotic or drug unless administered on the advice of a physician; nor

Any loss sustained while flying in any aircraft or device for aerial navigation except as specifically provided herein; nor

Any loss of which a contributing cause was the Insured Person's attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or resistance to arrest by the Insured; nor

Bacterial infections except pyogenic infections which are caused by an accidental wound.