Things not covered under Personal Accident Policy

 There are some exclusions under the individual personal accident policy. The official comprehensive list of exclusions and terms and conditions therein will be communicated in the official policy wordings. A general list of exclusions, however, is mentioned below:

Intentional injury: If the burns, broken bones, permanent partial disability, permanent total disability, dismemberment, temporary partial disability, temporary total disability, death, etc. of the policy holder is determined to be caused either intentionally or by intentional negligence, no claim will be honoured under this policy.

Injuries from a civil or foreign war: If the burns, broken bones, permanent partial disability, permanent total disability, dismemberment, temporary partial disability, temporary total disability, death, hospitalization, etc. are determined to have been incurred because the policy holder participated in a civil or foreign armed conflict, no claim will be honoured under this policy.

Injuries that are incurred because the policy holder was under the influence of drugs or alcohol: If it is determined that the policy holder suffered from burns, broken bones, permanent partial disability, permanent total disability, dismemberment, temporary partial disability, temporary total disability, death, required hospitalization, etc. because they were under the influence of drugs or alcohol, no claim will be honoured under this policy.

AIDS or HIV or other STDs: If it is determined that the policy holder suffered from burns, broken bones, permanent partial disability, permanent total disability, dismemberment, temporary partial disability, temporary total disability, death, required hospitalization, etc. because they suffer from an STD, no claim will be honoured under this policy.

Injuries incurred because of active participation in violent public disorders or labour disturbances: If it is determined that the policy holder suffered from burns, broken bones, permanent partial disability, permanent total disability, dismemberment, temporary partial disability, temporary total disability, death, required hospitalization, etc. because they were active participants in any sort of labour disturbance, strike, demonstration, protest, riot, public disturbance, etc.no claim will be honoured under this policy.

Injured on duty with any of the armed forces: If the policy holder suffers from burns, broken bones, permanent partial disability, permanent total disability, dismemberment, temporary partial disability, temporary total disability, death, required hospitalization, etc. caused in the due course of duty with any of the armed forces, no claim will be eligible under the individual personal accident policy.

Injuries that arise because of participation in any adventure sports: If the policy holder suffers from burns, broken bones, permanent partial disability, permanent total disability, dismemberment, temporary partial disability, temporary total disability, death, required hospitalization, etc. and it is determined that they arise from the policyholder’s participation in any adventurous sports, like bungee jumping or river rafting, the claim will not be eligible under this policy.

Claims that arise out of past illnesses or sicknesses: If it is determined that the policy holder suffered from burns, broken bones, permanent partial disability, permanent total disability, dismemberment, temporary partial disability, temporary total disability, death, required hospitalization, etc.as a result of any existing medical conditions or because of the worsening of an existing illness, claims will not be honoured under this policy.

Claims that arise out of pregnancy or childbirth-related issues: If it is determined that the policy holder suffered from burns, broken bones, permanent partial disability, permanent total disability, dismemberment, temporary partial disability, temporary total disability, death, required hospitalization, etc. as a result of the policyholder’s pregnancy or childbirth, claims will not be honoured under this policy.