Personal Accident

• Self-inflicted Injury, Suicide or attempted suicide.  
• Nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
• Committing an assault, a criminal offence or any breach of law with criminal intent. 
• Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a Medical Practitioner other than the Policyholder or an Insured Person. 
• Adventure Sports 
• Maternity, Pregnancy or Child birth or in consequence thereof. 
• Any non-allopathic treatment.
• Diseases spread/ caused through an insect bite by transfer of organisms for which the insect is a known carrier or host.
• Cosmetic or plastic surgery or any treatment to change appearance not arising out of Accident or Burns.
• Circumcision unless necessary for the treatment of a disease or necessitated by an Accident.
• Costs which are not Reasonable and Customary and treatments which are not Medically Necessary