• Pregnancy • Expenses for prostheses, dental implants and optics [lenses, frames, contact lenses] • Illness not involving hospitalisation • Deliberate acts of the policyholder • The use of motor vehicles • Aerial sports such as paragliding and hang gliding • Bobsleighing, ice hockey and skeleton • Sledding • Bungee-jumping • Tobogganing as a sport on a race track • Sports practised as a professional • Participation in official competitions organised by or under the aegis of a sport federation • Sporting items and equipment hired, loaned or belonging to the policyholder • Fines • Alcohol and drug use • Deliberate non-compliance with recognised safety rules for any insured sporting activity Time lapse: any action resulting from the insurance contract is time lapsed two years after the causal event.