Any major medical illness & procedures existing before the commencement of the policy or discovered within 90 days of inception of the policy.
Any unemployment occuring within 90 days of the inception of the policy
Mental disorder or insanity
Intentional self-injury or suicide or attempted suicide
Use/Misuse of liquor/drugs
Venereal diseases, AIDS
Pregnancy and childbirth
Any congenital illness or condition
War, Terrorism acts,
Nuclear weapons induced acts
Structure cover for commercial loan is valid for one year only. (Applicable to resident Indians)
Mounting into, dismounting from or traveling in any balloon or aircraft other than as a fare paying passenger in any scheduled airline anywhere in the world
Wilful destruction of property
Loss, damages and destruction caused by war perils, wear and tear, atmospheric conditions, etc.
Losses if your house has been unoccupied for more than 30 days.
Cash, bullion, paintings, works of art and antiques.