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

GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS. We shall not be liable to make any payment under any Section of this Policy directly or indirectly for, caused by, based upon, arising out of or howsoever attributable to any of the following: 1. Any Pre-Existing Disease. 2. Any claim relating to events occurring before the commencement of the Period of Insurance or after the completion of the Period of Insurance. 3. Any hospital admission or routine examination for investigative/ diagnostic purpose. 4. Non-allopathic medicine. 5. Cosmetic surgery and plastic surgery. 6. Any costs incurred on spectacles, contact lenses, hearing aids, corrective and cosmetic dental surgeries. 7. In so far as it relates to, the Insured: a) travelling against the advice of a Medical Practitioner; b) receiving, or is on a waiting list to receive, specified medical treatment declared in a Medical Practitioner’s report or certificate; c) received terminal prognosis for a medical condition; d) taking part in a naval, military or air force operation; 8. Injury or Illness directly or indirectly caused by or contributed to by nuclear weapons/materials. 9. In respect of your travel to any country other than declared in proposal form which is in the sanctioned list of travel restrictions issued by Government of India, Coverage for travel on Ship, travel to Mansarovar , Haj. 10. Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted injury or illness, or sexually transmitted conditions, mental or nervous disorder, anxiety stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus(HIV) infection. 11. Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Medical Practitioner and taken as prescribed 12. Any treatment related to alcoholism or drug dependency. 13. Participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion. 14. Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft. 15. Participation in skydiving/ parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or diving in races or rallies using a motorized vehicle or bicycle, caving or potholing hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), any bodily contact sport , any other potentially dangerous sport participation in any professional sports. 16. Act of Terrorism by the Insured or which is abetted by the Insured in any manner. 17. Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operations (whether war be declared or not).

GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS. We shall not be liable to make any payment under any Section of this Policy directly or indirectly for, caused by, based upon, arising out of or howsoever attributable to any of the following: 1. Any Pre-Existing Disease. 2. Any claim relating to events occurring before the commencement of the Period of Insurance or after the completion of the Period of Insurance. 3. Any hospital admission or routine examination for investigative/ diagnostic purpose. 4. Non-allopathic medicine. 5. Cosmetic surgery and plastic surgery. 6. Any costs incurred on spectacles, contact lenses, hearing aids, corrective and cosmetic dental surgeries. 7. In so far as it relates to, the Insured: a) travelling against the advice of a Medical Practitioner; b) receiving, or is on a waiting list to receive, specified medical treatment declared in a Medical Practitioner’s report or certificate; c) received terminal prognosis for a medical condition; d) taking part in a naval, military or air force operation; 8. Injury or Illness directly or indirectly caused by or contributed to by nuclear weapons/materials. 9. In respect of your travel to any country other than declared in proposal form which is in the sanctioned list of travel restrictions issued by Government of IndiaIndia , Coverage for travel on Ship, travel to Mansarovar , Haj. 10. Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted injury or illness, or sexually transmitted conditions, mental or nervous disorder, anxiety stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus(HIVVirus (HIV) infection. 11. Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Medical Practitioner and taken as prescribed 12. Any treatment related to alcoholism or drug dependency. 13. Participation in an actual or attempted felony, riot, crime, misdemeanormisdemeanour, or civil commotion. 14. Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft. 15. Participation in skydiving/ parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or diving in races or rallies using a motorized vehicle or bicycle, caving or potholing hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), any bodily contact sport sport, any other potentially dangerous sport participation in any professional sports. 16. Act of Terrorism by the Insured or which is abetted by the Insured in any manner. 17. Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operations (whether war be declared or not).