Features

Coverage

Eligibility

Exclusions


Permanent Exclusion


  • Investigation & Evaluation

  • Rest Cure, rehabilitation and respite care

  • Obesity/ Weight Control

  • Change-of-Gender treatments

  • Cosmetic or plastic Surgery

  • Hazardous or Adventure sports

  • Breach of law

  • Excluded Providers

  • Refractive Error

  • Unproven Treatments

  • Birth control, Sterility and Infertility

  • Maternity Expenses

  • Circumcision

  • Conflict & Disaster

  • External Congenital Anomaly

  • Unrecognized Physician or Hospital

(Note: the above is a partial listing of the policy exclusions. Please refer to the policy contract for the full list of exclusions.)



Permanent Exclusion for Personal Accident Cover (if opted)

We shall not be liable to make any payment under any benefits under the Personal Accident Cover if the claim is attributable to, or based on, or arise out of, or are directly or indirectly connected to any of the following:

  • Suicide or self inflicted injury, whether the insured person is medically sane or insane.

  • 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 a leader), acts of terrorism.

  • Service in the armed forces, or any police organization of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time.

  • Any change of profession after inception of the policy or any renewal which results in the enhancement of our risk, if not accepted and endorsed by us on the policy schedule.

  • Committing an assault, a criminal offence or any breach of law with criminal intent.

  • Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a medical practitioner other than the policyholder or an insured person.

  • 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.

  • Engaging in or taking part in professional/adventure sports or any hazardous pursuits, 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, polo, snow and ice sports, hunting.

  • Body or mental infirmity or any illness except where such condition arises directly as a result of an accident during the policy period. However, this exclusion is not applicable to claims made under Permanent Partial Disability.