Fine print in Insurance Policies

2.5.10

We may be blissfully unaware of the following risks which are out of our control and could present a nasty surprise in case of a mishap.

The following occurrences/accidents are not covered under this policy (read the policy wording for an exhaustive list):

1. Suicide or accidents resulting from attempted suicide, regardless of mental or psychological state;
2. Accidents resulting from obvious intoxication or use of narcotics, medicine or harmful substances (unless administered on the advice of a physician);
3. Medical accidents except those occurring during the treatment of an injury sustained in an accident covered under the policy;
4. Accidents occurring in war or warlike operations, or civil disorders and uprisings, including revolution, rebellion, strikes, labor movements, civil commotion or fighting;
5. Accidents occurring during the commission or attempted commission of unlawful acts;
6. Accidents resulting from intentional actions of the insured presenting serious danger to himself/herself, except the rescue of people in danger;
7. Injury or Disease directly or indirectly caused by or contributed by ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel;
8. Injury or Disease directly or indirectly caused by or contributed by the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment;
9. Accidents occurring during the practice of a sport, or time or endurance competitions;
10. Loss sustained while flying in any aircraft or device for aerial navigation except while riding as a passenger (but not as a pilot, operator or member of the crew) in or on, boarding or alighting from a certified passenger aircraft provided by a commercial airline on any regular scheduled or chartered flight, and operated by a properly certified pilot flying between duly established and maintained airports;
11. Accidents occurring while serving in any branch of the Indian military or armed forces whether in peace or war;
12. Accidents resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy;
13. Accidents sustained while participating in contests of speed using a motorized vehicle or bicycle;
14. Any opportunistic infection and/or malignant neoplasm, if at the time of the accident or sickness the Insured had an Acquired Immune Deficiency Syndrome (AIDS) or having an antibody positive blood test to HIV (Human Immune-deficiency Virus). Opportunistic infection shall include but will not be limited to pneumosystis carinii pneumonia, organism of Kaposi’s Sarcoma, central nervous system lymphoma, and/or other malignancies now known or which become known as causes of death in the presence of Acquired Immune Deficiency Syndrome;
15. Any Pre-existing condition;
16. Congenital anomalies and conditions arising out of or resulting therefrom;
17. Participating in skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing, pot-holing.