1. For any claim relating to events occurring before the commencement of the cover and after the expiry of the cover as described in the Period of Insurance.
2. For any claim if the Insured Person –
a. Is travelling against the advice of a physician.
b. Is receiving or on a waiting list for specified medical treatment declared in a Medical Practitioner’s Report or Certificate.
c. Has received terminal prognosis for a medical condition.
d. Is taking part in a naval, military or air force operation, whether in the form of military exercises or war games, or actualengagement with the enemy, whether foreign or domestic.
3. Any claim in the event of war or military action occurring against the country or internal conflict including terrorism in the country to which the Insured Person/Emigrant has gone for the work.
4. Any claim arising after expiry date of passport or visa for Insured Person.
5. For any claim arising out of illness or accident that the Insured Person has caused intentionally, including committing or attempting suicide or as a result of drug addiction, alcoholism or whilst under influence of intoxicating liquor.
6. Any claim that are results of war and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, military or usurped power, active participation in riots, confiscation or nationalisation or requisition of or destruction of or damage to property by or under the order of any government or local authority.
7. For any claim arising from damage to any property or any loss or expense whatsoever resulting or arising from or any consequential loss directly or indirectly caused by or contributed to or arising from:
a. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or
b. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
c. Asbestosis or any related sickness or disease resulting from the existence, production, handling, processing, manufacture, sale, distribution, deposit or use of asbestos or products thereof.
8. For any claim relating to any consequential loss
9. For any claim arising in respect of travel by the Insured Person to any country against whom the Republic of India has imposed general or specific travel restrictions, or against whom it may impose such restrictions or any country which has imposed or may impose subsequently such restrictions against travel by a citizen of India to such country.
10. For any claim arising out of Insured Person’s attempted engagement in any criminal or other unlawful act.
(Note: the above is a partial listing of the policy exclusions. Please refer to the policy clauses for the full listing)
Policy Tenure – 2 years/ 3 years
Premium -For Policy Term 2 years, Premium is INR 2500
For Policy Term 3 years, Premium is INR 3600
