Common use of Paralysis Clause in Contracts

Paralysis. The diagnosis and certification by a Consultant neurologist of the Insured’s complete and permanent loss of use of both arms or both legs or one arm and one leg, through paralysis of grade 0-2/6 motor power caused by sickness, illness, disease or accidents, persisting for at least six months from the date of diagnosis subject to the survival of the Insured person for a minimum period of 30 days from the date of diagnosis for the first time during the policy period. POLICY WORDING Page 5 of 21 SARV SURAKSHA No payment will be made by the Company for any claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following: 1) Any Critical Illness for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself or was contracted before the start of the Policy Period, or for which a claim has or could have been made under any earlier policy 2) Any Critical Illness diagnosed within the first 90 days of the date of commencement of-the Policy is excluded. This exclusion shall not apply to an Insured for whom coverage has been renewed by the Named Insured, without a break, for subsequent years. 3) Any sexually transmitted diseases or any condition directly or indirectly caused by or associated with Human T- Cell Lymphotropic Virus type III (III LB III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind commonly referred to as AIDS. 4) Treatment arising from or traceable to pregnancy, childbirth postpartum complications including but not limited to caesarian section, birth defects and congenital anomalies. 5) Occupational diseases such as occupational lung diseases including asbestosis, pneumoconiosis, occupational asthma and occupational skin diseases. 6) War, whether war be declared or not, invasion, act of foreign enemy, hostilities, civil war, insurrection, terrorism or terrorist acts or activities, rebellion, revolution, mutiny, military or usurped power, riot, strike, lockout, military or popular uprising, civil commotion, martial law or loot, sack or pillage in connection therewith, confiscation or destruction by any government or public authority or any act or condition incidental to any of the above. 7) Naval or military operations of the armed forces or air force and participation in operations requiring the use of arms or which are ordered by military authorities for combating terrorists, rebels and the like. 8) Any natural peril (including but not limited to ▇▇▇▇▇, ▇▇▇▇▇▇▇, avalanche, earthquake, volcanic eruptions, hurricane, or any other kind of natural hazard).