1. Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV)

2. The Insured Persons attempted suicide or self-inflicted injuries while sane or insane

3. 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

4. Failure to seek or follow Medical Advice

5. War (whether war be declared or not), invasion, an act of foreign enemy, hostilities, armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes

6. Taking part in any naval, military or air force operation during peacetime

7. Participation in aviation/marine activities including crew other than as a fare-paying passenger in an aircraft/water craft that is authorised by the relevant regulations to carry such passengers between established airports or ports

8. 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.

9. Participation by the Insured Person in a criminal or a breach of law with criminal intent

10. Nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature

For complete details on exclusions, please refer to the policy wording document.

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

2. War (whether declared or not), invasion, an act of a foreign enemy, hostilities, civil war, martial law, rebellion, revolution, insurrection, military or usurper power, riot, or civil commotion.

3. Service in the armed forces, police organisation, or in any international force or participation in any of the naval, military, or air force operations during peacetime.

4. Any change of profession after the inception of the personal accident policy which results in the enhancement of our risk if not accepted and endorsed by us on the Schedule of Insurance Certificate.

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

6. 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.

7. Death or disablement caused by ionising radiation or contamination by radioactivity from any nuclear fuel.

8. Participation in aviation/marine, including crew other than as a fare-paying passenger in an authorised aircraft/watercraft.

9. Participating in professional/adventure sports or any hazardous pursuits, such as speed contests, bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, rock climbing, potholing, abseiling, deep sea diving, polo, snow, and ice sports, hunting, etc.

10. Any disability arising out of pre-existing diseases if not accepted and endorsed by us.

11. Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the personal accident policy period. However, this exclusion is not applicable to claims made under the PPD benefit.

12. Any costs or expenses specified in the List of Expenses generally excluded in Annexure II of the policy document. This is applicable only for accident hospitalisation benefits.

For complete details on exclusions, please refer to the policy wording document.