No compensation/claim will be payable in respect of death, injury, or disablement of the insured in case of the following:

• Intentional self-injury, suicide, attempted suicide
• Suffering from any pre-existing diseases conditions or pre-existing physical or mental defect or infirmity
• While under the influence of intoxicating liquor or drugs
• While engaging in sporting activities like ballooning, scuba diving, and so on
• While engaging in aviation, mounting or dismounting from or travelling in any aircraft other than a passenger (fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world
• Directly or indirectly caused by venereal diseases or insanity
• Arising or resulting from the insured committing any breach of claim with criminal intent
• Aircraft pilots, airplane crew members, armed forces personnel, and artist engaged in hazardous performances are totally excluded
• Resulting directly or indirectly from childbirth or pregnancy
• War, invasion, act of foreign enemy, hostilities, civil war, and so on

For a complete list of exclusions, read the policy documents provided by your insurance company carefully.