As much as we would like to cover all possible risks, certain situations are just not feasible. We like to maintain complete transparency with our customers. So here's what we don't cover: -
1.Life-threatening conditions are covered only if they arise from disclosed pre-existing diseases, which are mentioned in the policy schedule, for people up to 70 years of age. Claims arising out of non- disclosed and non-declared pre-existing medical conditions will not be covered. So make sure to declare all pre-existing diseases while taking the policy.
2. Expenses incurred due to any of the following conditions:
- Suicide
- Self-inflicted injuries or illnesses
- Mental disorder
- Anxiety, stress or depression
- Venereal diseases
- Alcohol/drug abuse
- HIV/AIDS
3. Expenses incurred if you're...
- Traveling against the advice of a physician.
- Receiving or are on a waiting list for specified medical treatment.
- Travelling to receive treatment abroad.
- Have been given a terminal prognosis for a medical condition.
4. Issues faced due to theft or loss of passport when left unattended, or unreported to local police authorities.
5. Loss of checked baggage - no partial loss or damage shall become payable
6. War or nuclear threat in the country where you're travelling
