Coverage and Limits
Eligibility
Exclusions
- Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV).
Attempted suicide or self-inflicted injuries while sane or insane.
Narcotics used by the Insured Person unless taken as prescribed by a Medical Practitioner, or the Insured Person’s abuse of drugs and/or consumption of alcohol.
The directions, advice and guidance of the treating Medical Practitioner shall be strictly followed. Company shall not be obliged to make any payment that arises out of willful failure to comply with such directions, advice or guidance.
Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
Taking part in any naval, military or air force operation during peace time.
Participation in aviation/marine activities including crew other than as a passenger in an aircraft/water craft that is authorized by the relevant regulations to carry such passengers between established airports or ports.
Including but not limited to engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc.
Participation by the Insured Person in a criminal or a breach of law with criminal intent.
For detailed exclusions list information, please refer to the policy terms and conditions document.