Commonwealth Consolidated Regulations Commonwealth Consolidated Regulations(1) The following, except in so far as they are excluded by subsection ( 2) , are declared to be prescribed events in relation to a contract referred to in sub section 24 (1) :
(a) if the contract provides insurance cover (whether the cover is limited or restricted in any way) in respect of the insured person contracting a specified sickness or disease:
(i) the death of the insured person ; or
(ii) the t otal disablement of the insured person from carrying out all the normal duties of his or her usual occupation;
being death or disablement that results from the insured person contracting that sickness or disease;
(b) if the contract (not being a contract referred to in paragraph ( a)) provides insurance cover (whether the cover is limited or restricted in any way) in respect of the insured person contracting a sickness or disease--the total disablement of the insured person from carrying out all the normal duties of his or her usual occupation, being disablement that results from the person contracting a sickness or disease;
(c) the death of the insured person , or the total disablement of the insured person from carrying out all the normal duties of his or her usual occupation, as a result of the insured person sustaining an accidental injury, being death or disablement that occurs within 12 months after the insured person sustains the injury;
(d) the partial disablement of the insured person from carrying out the normal duties of his or her usual occupation as a result of the insured person sustaining an accidental injury, being disablement that occurs within 12 months after the insured person sustains the injury.
(2) The following are excluded:
(a) death or disablement that results from:
(i) a deliberately self - inflicted injury; or
(ii) war or warlike activities; or
(iii) the use, existence or escape of nuclear weapons material, or ioni s ing radiation from, or contamination by radioactivity from, any nuclear fuel or nuclear waste from the combustion of nuclear fuel;
(b) death or disablement that results from the insured person :
( i ) being under the influence of intoxicating liquor or of a drug, other than a drug taken or administered by or in accordance with the advice of a duly qualified medical practitioner; or
(ii ) being addicted to intoxicating liquor or to a drug; or
(iii ) taking part i n a riot or civil commotion; or
(iv ) acting maliciously; or
(v ) engaging in professional sporting activities;
( c ) death or disablement occurring at a time when the insured person is flying, or engaging in aerial activities, otherwise than as a passenger in an aircraft that is authorised to fly under a law that relates to the safety of aircraft.