What are the exclusions under this policy?

l. The Insured engaging in or taking part in: -

a. Armed forces, naval or air force service or operations.

b. Rock climbing or mountaineering necessitating the use of ropes or guides, potholing, hang gliding, bungee jumping, parachuting or any kind of race other than on foot;

C.  criminal act or any illegal activities.

2. The insured being affected by intoxicating liquor or a drug unless the drug is taken under the direction of a legally qualified medical practitioner provided such direction is not for the treatment of drug addiction.

3. Provoked murder or assault, intentional self-injury, suicide or any attempt threat while sane or insane.

4. Pre-existing physical or mental defect or infirmity or any other pre-existing conditions.

5. Hospitalization due to any disability/sickness/illness, surgery Congenital conditions & cosmetic treatments, Child Birth and Complication in pregnancy, Suicide and self inflicted injuries.

6. Deliberate exposure to exceptional danger (except in an attempt to save human life).

7. Direct participation in a riot or civil commotion, war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, insurrection or military or usurped power.

8. An act (whether on behalf of any organisation, body or persons or group of persons) calculated or directed towards the overthrow or influencing of the Government de jure or de facto or any provincial or local authority with force or by means of fear, terrorism or violence.  

9. Ionizing, radiation or contamination by radioactivity from any nuclear fuel or any nuclear waste from the combustion of nuclear fuel. For the purpose of this exclusion, combustion shall include any self-sustaining process of nuclear fission.