�         Travel policy does not cover claims arising out of exclusions. Some of the important exclusions are stated here. For details please refer the policy wording.
Overseas Health cover
1. Claims arising out of pre-existing diseases, whether known or unknown and complications arising from them.
2. Pregnancy and related complications.
3. Medical expenses incurred as a result of alcohol and/or drug abuse,addiction or overdose.
4. Treatment that could reasonably be delayed until the Insured Person's return to the Republic of India.
5. Any costs related to mental or psychiatric disorders.
Personal Accident Cover
1. Accident whilst engaging in aviation or ballooning, except when the Insured Person is flying as a fare paying passenger on a multi engine, commercial aircraft.
2. Any claim for death or Disablement of the Insured Person from (a) intentional self-injury, suicide or attempted suicide (b) whilst under the influence of intoxicating liquor or drugs (c) self-endangerment unless in self-defense or to save life.
General Exclusions
Any claim arising out of sporting activities in so far as they involve in training or participation in competitions of professional or semiprofessional sports persons, unless declared beforehand and necessary additional premium paid.