Hi Gardenshed.
I didn’t actually see a question in here. In order to include ‘extreme sports’ as an exclusion, we’d have to define it. Emirates defines skiing and kayaking as extreme sports. I'm a skier; I do not consider it to be an extreme sport. It’s not our job to tell people how to live or to penalize them for their life-style choices.
In regards to the “self-reported” disabilities, we didn’t make that list, we asked medical and risk-assessment professionals to come up with one.