Common use of GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS Clause in Contracts

GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS. We shall not liable for any loss resulting in whole or in part from, or expenses incurred, directly or indirectly in respect of: 1. Any claim relating to events occurring before the commencement of the Trip covered hereunder and any time after the completion of the Trip at any port at the Country of Residence of the Insured mentioned hereunder (except Visa Denial Insurance Cover if specifically opted for) 2. A claim which is fraudulent in any respect, or if any false declaration has been made or used in support thereof or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under the Policy or if the loss or damage is occasioned by the wilful act, or with the connivance of the Insured. 3. Where the Insured Person is travelling against the advice of a Physician; or receiving or on a waiting list for receiving specified medical treatment; or is travelling for the purpose of obtaining medical treatment; or has received a terminal prognosis for a medical condition. 4. Any Pre-existing Condition or any complication arising from it unless specifically covered in the Policy. 5. Congenital anomalies or any complications or conditions arising therefrom. 6. Any claim relating to Adventure Sports or Hazardous Activities, unless specifically covered in the Policy. 7. Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness, or sexually transmitted conditions other than HIV/ AIDS. 8. Serving in any branch of the Military or Armed Forces of any country, whether in peace or War 9. Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens, substance abuse or any addictive condition and consequences thereof unless properly prescribed by a Physician and taken as prescribed. 10. Pregnancy and all related conditions, including services and supplies related to the diagnosis or treatment of infertility or other problems related to inability to conceive a child; birth control, including surgical procedures and devices; This however does not include ectopic pregnancy proved by diagnostic means and is certified to be life threatening by the Physician. 11. Participation in an actual or attempted felony, riot, crime, misdemeanour, or civil commotion. 12. Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Airline. 13. Any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power. 14. Any loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Act of Terrorism. 15. The use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; The dispersal or application of pathogenic or poisonous biological or chemical materials; The release of pathogenic or poisonous biological or chemical materials. (However, the above only applies if 50 or more persons sustain death within 90 Days of the date of the incident). 16. The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment. 17. Performance of manual work for employment or any other potentially dangerous occupation. 18. If the Insured hereunder is traveling under an immigrant visa, claims in relation to contingencies occurring after the expiry of 90 days from the date of commencement of cover notwithstanding the fact that the Period of Insurance exceeds 90 days. 19. Payment of compensation in respect of Illness/ Injury arising or resulting from the Insured committing any breach of law with a criminal intent. 20. Any consequential losses 21. Any Policy which is bought after the Insured Person has left the Country of Residence. 22. Insured Person is engaged in any travel unless he is travelling as fare paying passenger 23. Travel by any Insured Person against whom general or special travel restrictions have been imposed. 24. Any physical, medical condition or treatment that is specifically excluded in the Policy Schedule under Important Conditions 25. Any claim arising out of sporting activities in so far as they involve the training or participation in competitions of professional or semi-professional sports persons, unless declared beforehand and agreed by the Company subject to additional premium being paid and incorporated accordingly in the Policy Schedule.