What are some of the common exclusions?

Here are some of the common scenarios under which accidents and deaths are not covered:

  • Natural death

  • Pre-existing conditions

  • Injury caused while under the influence of drugs or alcohol

  • Intentional injury or suicide

  • Violation of law

  • War and nuclear perils

  • Pregnancy or childbirth

Does the policy cover accidents outside India?

No. The policy is restricted to accidents in India.

Does the policy cover for accidents that happen outside the work premises, or outside the work hours?

Yes, the policy is valid at all places and at times during the validity period of the policy.

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