COMMUNICABLE DISEASE EXCLUSION   (LMA 5394)
1. Notwithstanding any provision to the contrary within this reinsurance agreement, this reinsurance agreement excludes any loss, damage, liability, claim, cost or expense of whatsoever nature, directly or indirectly caused by, contributed to by, resulting from, arising out of, or in connection with a Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease regardless of any other cause or event contributing concurrently or in any other sequence thereto.
2. As used herein, a Communicable Disease means any disease which can be transmitted by means of any substance or agent from any organism to another organism where: 2.1. the substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism or any variation thereof, whether deemed living or not, and
2.2. the method of transmission, whether direct or indirect, includes but is not limited to, airborne transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms, and
2.3. the disease, substance or agent can cause or threaten damage to human health or human welfare or can cause or threaten damage to, deterioration of, loss of value of, marketability of or loss of use of property.

窗体底端

窗体顶端

1. 尽管本再保险协议中有相反规定，但本再保险协议不包括直接或间接地由任何性质的传染病或与传染病相关联的恐惧或威胁（无论是实际的还是感知的）引起的任何损失、损害、责任、索赔、成本或费用，不论是否同时或前后有其他原因或事件的影响。

2.1. 本协议所指的传染病是指可以通过任何物质或媒介从任何生物体传播到另一生物体的任何疾病。2.1. 该物质或媒介包括但不限于病毒、细菌、寄生虫或其他生物体或其任何变体，无论是否视为生命体，以及

2.2. 传播途径，无论是直接传播还是间接传播，都包括但不限于空中传播，体液传播，从任何表面或物体的传播，固体、液体或气体或生物体之间的传播，以及

2.3. 该疾病、物质或媒介可使人类健康或人类福祉遭受损害或受到威胁，或可导致财产损坏、价值降低、适销性降低或财产使用价值损失。