Reliance General Travel Medical Insurance Policy Exclusions
What Reliance General Travel Medical Insurance Policy doesn't cover (Exclusions)?
- Any claim relating to events occurring before the commencement of the cover or otherwise outside of the period of insurance
- Treatment abroad if that be the sole reason or one of the reasons for the Insured /Insured Person�s temporary stay abroad
- Any claim if the Insured/Insured Person
- is travelling against the advice of a physician;
- is receiving, or is on a waiting list to receive, specified medical treatment declared in the physician�s report or certificate;
- has received terminal prognosis for a medical condition;
- is taking part in a naval, military or air force operation
- Deductibles as specified in the Schedule
- Any claim arising out of diseases, illnesses or accidents that the Insured / Insured Person has caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol)
- Any claim arising out of mental disorder, anxiety, stress, depression, venereal disease or any loss, directly or indirectly, attributable to HIV (Human Immuno Deficiency Virus) and/or any HIV related illness including AIDS (Acquired Immuno Deficiency Syndrome) and / or any mutant derivative or variations thereof howsoever caused
- Diseases, illness and accidents that are results of war and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, active participation in riots, confiscation or nationalisation or requisition of or destruction of or damage to property by or under the order of any government or local authority
- Any act of terrorism which means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological, or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear
- Any claim arising from damage to any property or any loss or expense whatsoever resulting or arising from or any consequential loss, directly or indirectly, caused by or contributed to or arising from: a.Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or b.The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof
- Any claim arising out of sporting activities in so far as they involve the training or participation in competitions of professional or semiprofessional sports persons, unless declared beforehand and necessary additional premium paid