The policy covers malicious acts which are defined as involving death or disability (permanent or partial) caused directly or indirectly by war, invasion, hostility, acts of foreign enemies, whether war be declared or not, civil war, revolution, rebellion, insurrection, military or usurped power, riots or civil commotion, sabotage, explosion of war weapons, terrorist activities (whether terrorists are the country's own nationals or not), murder or assault by foreign enemies or any attempted threat, occurring in a covered country
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