Any medical condition or complication that have existed before the start of the policy period, or for which care, treatment or advice was sought from a physician.

Routine physical or other examination where there is no objective indication of impairment of normal health.

Medical expenses that have occurred beyond the expiry of the policy period.

Suicide, attempted suicide or willfully self-inflicted injury or illness, mental disorder, anxiety/stress/depression/nervousness having no underlying physical illness as a cause; venereal disease, alcoholism, drunkenness or the abuse of drugs.

Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), engaging in any criminal or illegal act.

Pregnancy that has resulted in childbirth, miscarriage, abortion, or complication arising out of any of the foregoing events.

Experimental, unproven or non-standard treatment performed.

Treatment by any other system other than modern medicine (also called as Allopathy).

The cost of spectacles, contact lenses, hearing aids, crutches and all other external appliances and/or devices whether for diagnosis or treatment.

Delay of baggage that occurred when the intended destination is in India.

Loss or damage to the insured's passport as it was confiscated or detention by customs, police or any other authority.

Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained.

Loss of passport due to insured's failure of guarding it.