Policy does not cover pre-existing diseases & complications arising from them.
Routine physical or other examination where there is no objective indication of impairment of normal health and Medical expenses beyond the expiry of the Policy Period.
Suicide, attempt to suicide or willfully self inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness, abuse of drugs, HIV, AIDS.
Manual work or hazardous occupation, self exposure to needless peril (except in an attempt to save human life), or if engaging in any criminal or illegal act.
Pregnancy, resulting childbirth, miscarriage, abortion or complication arising out of any of the foregoing.
Loss or damage to the Insured's passport as a result of the confiscation or detention by customer, police or any other authority.
Loss which is not reported to the appropriate police authority within 24 hours of the discovery of loss
War or war-like actions, act of terrorism.