If the insured is covered under more than one Runner Guard policy underwritten by us for losses arising from the same event, only the Runner Guard policy with the greatest amount of indemnity payable for the relevant covered losses will apply.

1. We will terminate your policy and the insured will lose the cover when one of the following happens:
   • the insured passes away;
   • when the policy is cancelled by the company;
   • the end of the period of insurance; or
   • when the total benefit amount(s) paid under the policy reaching 100% of the sum assured.
2. We reserve the right to terminate this policy at any time by giving a 30-day prior written notice to you. Upon termination, our liability is limited to the refund of unearned portion of premium.

Under this plan, we will not cover conditions that result from any of the following events:

• war, declared or undeclared, or revolution;
  
• violation or attempted violation of the law or resistance to arrest;
  
• suicide or attempted suicide or self-inflicted injury or deliberate exposure to exceptional danger (except in an attempt to save human life), or is sustained whilst the insured is in a state of insanity;
  
• ptomaines or bacterial infection (except pyogenic infection which shall occur with and through an accidental cut or wound);
  
• accident occurring while or because the Insured is under the influence of alcohol or any non-prescribed drug;
  
• pregnancy or any complications;
  
• routine health checks, any investigation(s) not directly related to admission, diagnosis, illness or injury, any treatment or investigation which is not medically necessary, or convalescence, custodian or rest care or any treatment or investigation which is not consistent in accordance with standards of good medical practice;
  
• participation by the insured in a Covered Running Activity while this Policy is in force against medical advice previously given by a registered practitioner of western medicine or Chinese medicine, a physiotherapist or a chiropractor (including advice given up to six months prior to the date of application for the policy);
  
• violation by the insured of any of the official rules of a covered Run including but not limited to (i) not following the instructions of run or event officials; (ii) leaving the official course route (except where the Insured has deviated from the course due to inadvertence or conditions created by a natural disaster (e.g. flooding, landslide) in which case coverage may be provided in the sole discretion of the Company); (iii) non-use or misuse of all appropriate clothing and/or safety equipment relevant to the covered running activity; or (iv) running with the whole part of the face covered;
  
• participation by the insured in any event that is not a Covered Run;
  
• any losses arising from an act of terrorism;
  
• any pre-existing physical impairment; or
  
• parkour, free running, sedan chair running, backward running, steeplechase, multi-discipline sports (e.g. triathlon), events featuring man-made obstacles (e.g. man-made mud pits, manmade slippery slopes, wall climbs, tunnel crawls, or other similar man-made obstacles)
  

The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.

Any claim for death must be notified to us in writing immediately. Otherwise, if you wish to make a claim, you must notify us in writing within 30 days from the date of the accident causing the injury, and send us the appropriate forms and relevant proof within 90 days from the date of the accident. You can get the appropriate forms from your financial planner, by calling the AIA Customer Hotline (852) 2232 8888 in Hong Kong, or by visiting any AIA Customer Service Centre.

The benefits under this plan will be paid to you, or in the unfortunate event of the insured’s passing, to your beneficiary.