Major Exclusions of Personal Accident Insurance

This insurance does not provide benefits for any death, disability, expense or loss incurred in result of any injury attributable directly or indirectly to the following:

-Accident resulting from Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted injury, mental or nervous disorder.

-Accident arising out of and in the course of employment in any branch of the Military or Armed Forces of any country, whether in peace or War.

-Accident while being under the influence or abuse of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a physician and taken as prescribed.

-Participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion.

-Accident during air travel except as a fare paying passenger on a recognized airline or charter aircraft.

-Accident while operating or learning to operate any aircraft or ship, or performing duties as a member of the crew on any aircraft or ship.

-Any accident/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.

-Any injury caused by, contributed to, by or arising from nuclear ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel (including any self-sustaining process of nuclear fission) or nuclear weapons material or nuclear equipment or any part of that equipment.

-The dispersal or application of pathogenic or poisonous biological or chemical materials; the release of pathogenic or poisonous biological or chemical materials, or Congenital anomalies or any complications or conditions arising there from.

-Participation in dangerous sports, participation in any Professional Sports, any bodily contact sport or/and any other hazardous or potentially dangerous sport for which you are untrained.

-Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy,

-Committing breach of law with criminal intent.

-Loss caused directly or indirectly, wholly or partly by infections (except pyrogenic infections which shall occur through an Accidental cut or wound) or any other kind of disease.