The events shall not be considered as the insured events in the event of the insured's death resulting from:
- war, mass riots, radioactive poisoning (intoxication);
- suicide or attempted suicide within first three consecutive years of the validity period of the contract;
- act of the insured or the policyholder established by the competent institution as containing the elements of a deliberate crime;
- any illness resulting from HIV or AIDS, if HIV or AIDS which was diagnosed for the insured before concluding the contract or within the first year of the validity period of the contract.