The insured must pay the premium before the effective date. The coverage will commence from the effective date stated in the policy schedule. We will not cover for any illness within 30 (thirty) days as from the first inception date which the Covered Person is covered (except for accidental injuries). We will not cover following illnesses which are tumors, cysts, or all kinds of cancer, hemorrhoids, all kinds of hernias, pterygium or cataract, tonsillectomy or adenoidectomy, all kinds of calculi, varicose veins, endometriosis for the first 120 days from the first inception date.