(UIN No: 133N018V01)

Exclusions and other restrictions :

No benefit will be payable in respect of any condition arising directly or indirectly from, through or in consequence of the following exclusions and restrictions:

Suicide Exclusion : If the life assured commits suicide within one year from the risk commencement date or revival date if revived, whether sane or insane at that time, the policy will be void and no claim will be payable. However in case of reinstatement if policy accrues surrender value then surrender value will be payable.

For benefit under Accidental Death and Accidental Total and Permanent Disability :

• Conditions arising out of self- inflicted injury, war/invasion, injury during criminal activity or under influence of drug, alcohol etc.
• As a result of accident while the Life Assured is engaged in aviation or aeronautics in any capacity other than that of a fare-paying, part-paying or non-paying passenger, in any aircraft which is authorized by the relevant regulations to carry such passengers and flying between established aerodromes.
• Arising out of riots, civil commotion, rebellion, war (whether declared or not), invasion, hunting, mountaineering, steeple-chasing or racing of any kind, bungee jumping, river rafting, scuba diving, paragliding, or any such adventurous sports or hobbies.
• As a result of the life assured committing any breach of law.
• Arising from the employment of the life assured in the armed forces or military services of any country at war (whether war be declared or not) or from being engaged in duties of any para-military, security, naval or police organization.

Critical Illness Exclusion :

• Waiting period of 90 days would apply from the commencement of risk under the policy or its revival, to the first diagnosis of the Critical Illness under consideration. A survival period of 28 days will apply.
• Critical Illness benefit is payable only once during the term of the policy (and the rider benefit ceases along with the premium for the benefit once the Critical Illness Sum Assured becomes payable). Any pre-existing condition will be excluded.
• Critical illness benefit will be payable only after the Company is satisfied on the basis of available medical evidence that the specified illness has occurred.
• The date of occurrence of Critical Illness will be reckoned for the above purpose as the date of diagnosis of the illness / conditions. It will be the date on which the medical examiner first examines the Life Assured and certifies the diagnosis of any of the illnesses / conditions.
• Within 90 days from the date on which any of the above mentioned contingencies has occurred, full particulars thereof must be notified in writing to the office of the Company where this Policy is serviced together with the then address and whereabouts of the Life assured. Proof satisfactory to the Company of the contingency that has occurred, shall be furnished in the manner required. Any Medical Examiner named by the Company shall be allowed to examine the person of the Life Assured in respect of this benefit in such manner as may be required by the Company.
• Premium rates for Critical Illness benefit are subject to revision after 5 years.

Note : For further details on exclusions, please contact your agent or the Policy Document

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