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Lloyd's of London -- Overdose Clause?

7/3/2009 3:41 PM PDT BY TMZ STAFF

MIchael JacksonA spokesperson for Lloyd's of London tells us she's never heard of a case where her company has insured someone for a drug overdose.

AEG, the company that was promoting Jackson's London concerts, claimed yesterday the policy it took out from Lloyd's did not cover death from natural causes but did cover overdoses.

Louise Shield -- the head of communications for Lloyd's of London -- tells us such a policy is "odd" and that she's never heard the company insuring for drug overdoses.

What's more -- Shield says the company typically requires a "medical assessment" .... a physical before the policy is written.

As we first reported, Jackson's body had dozens of injection sites in various places. So the question -- how could a policy be issued with clear evidence of a problem?

Shield would not comment on the policy, and found it strange AEG discussed it publicly. She's not saying if overdoses were covered or not.

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