Any treatment if that is the sole reason or one of the reasons for the travel Overseas.
Any treatment which could in the opinion of the Overseas Administrator and attending Doctor be or have been delayed until the Insured's return to India.
War (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalization or requisition of or damage by or under the order of any government or public local authority or terrorism or terrorist acts. However, for the scope of the Hijack Relief only, terrorism exclusion shall stand excluded from the General Exclusions category.
Any intentional, reckless or criminal act, suicide, or attempted suicide, or the use or abuse of any drugs, alcohol and the like.
Participation in naval, military or air force operations whether in the form of military exercises or war games or actual engagement with the enemy whether foreign or domestic.
Any loss of which a contributing cause was the Insured's actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or resistance to arrest.
HIV, AIDS and all related medical conditions.
Chola Travel Insurance - Main Exclusions
Medical expenses arising out of pre-existing conditions / any treatment which can be delayed until the insured's return to India / treatment which is the sole reason for travel aboard, venereal diseases, HIV, rediation / war and war-like consequences / pregnancy, childbirth and their consequences / removal of physical flaws or anomalies(cosmetics)/sicide etc.
Expenses due to loss of valuables, money securities, tickets, passport loss in public places, employer's contractual.
