28Prescribed events

#### 28 Prescribed events (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 section 27: (a) 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 contracting a sickness or disease, being disablement that occurs within 12 months after the insured person contracted the sickness or disease; (b) 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; (c) the insured person becoming unemployed. (2) The following are excluded: (a) death, disablement or unemployment resulting from: (i) a deliberately self‑inflicted injury; or (ii) war or warlike activities; or (iii) expropriation of any property; or (iv) the use, existence or escape of nuclear weapons material, or ionising radiation from, or contamination by radioactivity from, any nuclear fuel or nuclear waste from the combustion of nuclear fuel; (b) death, disablement or unemployment resulting 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 in 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; (d) the insured person becoming voluntarily unemployed; (e) if the insured person is employed for a specified period or by reference to specified work—the insured person becoming unemployed at the expiration of the period or on the completion of the work.