HDFC Ergo Travel Medical Insurance Policy Exclusions
What HDFC Ergo Travel Medical Insurance Policy doesn't cover (Exclusions)?
- Bodily Injury or Sickness occasioned by Civil War or Foreign War
- Bodily Injury or Sickness caused or provoked intentionally by the Insured Person
- Bodily Injury or Sickness due to wilful or deliberate exposure to danger, (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt threat, or arising out of non-adherence to medical advice
- Bodily Injury or Sickness sustained or suffered whilst the Insured Person is or as a result of the Insured Person being under the influence of alcohol or drugs or narcotics unless professionally administered by a Physician or unless professionally prescribed by and taken in accordance with the directions of a Physician
- Bodily Injury due to a gradually operating cause
- Bodily Injury sustained whilst or as a result of participating in any sport as a professional player
- Bodily Injury sustained whilst or as a result of participating in any competition involving the utilization of a motorised land, water or air vehicle
- Bodily Injury sustained whilst or as a result of riding or driving a motorcycle or motor scooter over one hundred fifty (150) cc
- Bodily Injury whilst the Insured Person is travelling by air other than as a fare paying passenger on an aircraft registered to an airline company for the transport of paying passengers on regular and published scheduled routes
- Bodily Injury sustained whilst or as a result of participating in any criminal act
- Bodily Injury or Sickness resulting from pregnancy within twenty-six (26) weeks of the expected date of birth
- Bodily Injury or Sickness caused by or arising from the conditions commonly known as Acquired Immuno Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) and/or any related illness or condition including derivatives or variations thereof howsoever acquired or caused. The onus shall always be upon the Insured Person to show that Bodily Injury or Sickness was not caused by or did not arise through AIDS or HIV
- Bodily Injury or Sickness caused by or arising from or due to venereal or venereal related disease
- Bodily Injury sustained whilst or as a result of engaging in, practising for or taking part in training peculiar to any kind of violent labour disturbance, riot or civil commotion or public disorder
- Bodily Injury sustained whilst on service or on duty with or undergoing training with any military or police force, or militia or paramilitary organisation, notwithstanding that the Bodily Injury occurred whilst the Insured Person was on leave or not in uniform
- Treatments for nervous or mental problems, whatever their classification, psychiatric or psychotic conditions, depression of any kind, or mental insanity.
- Any pathological fracture
- Cures of any kind and all stays in long term care institutions (retirement homes, convalescence centres, centres of detoxification etc)
- Investigations, operations or treatment of a purely cosmetic nature; or for obesity; or undertaken to facilitate pregnancy or to cure impotence or to improve potency
- Bodily Injury sustained whilst or as a result of active participation in any hazardous sport such as parachuting, hangliding, parasailing, off-piste skiing or bungee jumping
- Bodily Injury sustained as the result of Terrorism