Exclusions:

This insurance policy does not cover claims arising directly or indirectly from or consequent upon the following:

• Birth / congenital defects or illness of any nature whatsoever unless specifically agreed under a separate endorsement attached with this policy.
• Costs resulting from self?inflicted injury, attempted suicide, abuse of alcohol, drug addiction or abuse and treatment of sexually transmitted diseases.
• Psychotic, mental or nervous disorders (including any neuroses and their physiological or psychosomatic manifestations) or sexual reassignment (whether or not for psychological reasons) or psychological disturbance, anxiety or mental stress.
• Pre-existing conditions prior to the effective date of an insured person?s inclusion in this policy cover unless the condition has been declared to and accepted by the company in writing.
• Treatment or investigation of fertility, infertility, sterilization or contraception and any complication relating thereto or hormone treatment and investigations.
• Participation in or training for any dangerous or hazardous sport, pastime or competition or any professional sport.
• Injuries as a result of an illegal act by the insured person.
• Injury or treatment resulting from war, riots, invasion, act of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular uprising, military uprising, insurrection, rebellion, military or usurped power or any act of any person acting on or on behalf of or in connection with any organization actively directed towards the overthrow or to the influencing of any government or ruling body by force, terrorism or violence.
• Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste, from the process of nuclear fission or from any nuclear weapons material.
• Services or treatment in any spa, hydro clinic, sanatorium, nursing home or long term-care facility that is not a hospital.
• Acquired immune deficiency syndrome (AIDS), AIDS related complex syndrome (ARCS) and all diseases caused by and or related to HIV virus or any other sexually transmitted disease.
• Experimental or unproven treatment.
• Dental examinations, X-rays, extraction, filling, general dental care / treatment and orthodontic treatment or oral surgery except as a result of emergency accidental dental treatment.
• Cost of correction of refractive errors of the eye and procedures such as Radial Keratotomy and Excimer Laser.
• Routine medical examinations or check-ups including charges arising out of any hospital confinement or admission primarily for diagnostic purposes, unless specifically authorized by the Company, routine eye or ear examinations, vaccinations, medical certificates, examination for employment or travel, spectacles, contact lenses, hearing aids and any treatment that is not considered medically necessary.
• Cosmetic or plastic surgery, unless it is re-constructive surgery necessitated by an injury that occurred during the period whilst the insured person was covered under this policy and subject to the limits and sub-limits stated in the benefits table.
• Any increase in the expenses incurred for treatment on account of the insured person being admitted to a more expensive room than allowed by his daily room and board limit.
• Pregnancy and complications thereof, childbirth (including surgical delivery), miscarriage, abortion and/or any related prenatal or postnatal care unless covered under a separate optional rider under this policy.
• Any outpatient treatment, except that arises out of an accident, unless covered under a separate optional rider under this policy.
• Any charges in respect of the donor for organ transplant claims.
• Cost of limbs or supporting equipment for revival or correction of the function(s) of body.
• Riding or driving in any racing competition operational duties as a person of armed forces, mountaineering or rock climbing, engaging in aviation except for traveling by-air as a passenger on any fully licensed passenger carrying aircraft.
• Personal comfort items such as, charges for telephone, meals for other than the patient or other items not medically necessary.
• Treatment received in a location other than the insured person?s geographical area of coverage.
• Natural catastrophes including, but not limited to, flood, earthquake, avalanche and cyclone.