Critical Care Exclusions

Exclusions applicable to Critical Illness:

90 Days Exclusion:

Any illnesses and procedures within 90 days from start date of policy will not be covered. This clause does not apply for subsequent renewal (without a break) of this policy with us.

Permanent Exclusion

The Company shall not be liable under this policy for:

• Any Pre-Existing illness
• Absence of submission of Doctor's medical certificate confirming the diagnosis of Illness or Injury or undergoing of medical/surgical procedure
• Any congenital Illness or condition
• Any medical procedure or treatment, which is not medically necessary or not performed by a Doctor
• Any physical, medical or mental condition, illness, injury or treatment or service which is specifically excluded under the Policy
• Treatment relating to birth defects and external congenital Illnesses
• Birth control procedures and hormone replacement therapy
• Any treatment/ surgery for change of sex or any cosmetic surgery or treatment
• Treatment by family member and self-medication or any treatment that is not scientifically recognized

Exclusions applicable to Personal Accident:

The Company shall not be liable under this policy for:

• Compensation/claim under more than one of the categories specified in the Policy Coverage in respect of the same period of disablement of the Insured Person
• Claims arising out of sickness/illness
• Death, injury or disablement of Insured Person
  (a) from intentional self-injury, suicide or attempted suicide
  (b) from engaging in adventure sports
  (c) Participation in any professional sports for which the insured is untrained
  (d) whilst under the influence of intoxicating liquor or drugs
  (e) whilst engaging in aviation or ballooning, or whilst mounting into or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world
  (f) directly or indirectly caused by venereal disease or insanity
  (g) arising or resulting from the Insured committing any breach of the law with criminal intent
  (h) war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kind
  (i) Nuclear weapon induced treatment
  (j) Childbirth or pregnancy or in consequence thereof
• Permanent Total Disablement prior to commencement of the policy