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GENERAL EXCLUSIONS (APPLICABLE TO ALL BENEFITS UNDER THE POLICY):
Without prejudice to anything contained in this Policy, the Company shall not be liable to make any payments in respect of:

Any claim relating to events occurring before the commencement of the cover or otherwise outside of the Period of Insurance.

Any claim if the Insured

Is receiving, or is on a waiting list to receive, specified medical treatment declared in a physician's report or certificate.

Has received terminal prognosis for a medical condition.

Is taking part in a naval, military or air force operation.

Any claim arising out of illnesses or accidents that the Insured has caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol).

Any claim arising out of mental disorder, anxiety, stress, depression, venereal disease or any loss directly or indirectly attributable to HIV (Human Immuno Deficiency Virus) and/or any HIV related illness including AIDS (Acquired Immuno Deficiency Syndrome) and/or any mutant derivative or variations thereof howsoever caused.

Illness and accidents that are results of war and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, active participation in riots, confiscation or nationalisation or requisition of or destruction of or damage to property by or under the order of any government or local authority.

Any act of terrorism which means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological, or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Any claim arising from damage to any property or any loss or expense whatsoever resulting or arising from or any consequential loss directly or indirectly caused by or contributed to or arising from:

Any claim arising out of sporting activities in so far as they involve the training or participation in competitions of professional or semi-professional sports persons, unless declared beforehand and necessary additional premium paid.

This policy will only be cancelled if the insured provides an attested copy of an alternate policy of the same type, duration and coverage that is issued for himself/herself, for the same period and destination; or a letter from the university / any other government authority indicating non-acceptance of this policy with valid reasons; or an attested copy of the insured's passport indicating rejection of his/her visa. A policy endorsement, decreasing the duration or affecting the geographical coverage in any way, will only be done if it is accompanied with an attested copy of the passport and original tickets that indicates the change in dates and/or geographical coverage.

This policy applies to the insured traveling abroad on student visa only. The minimum age for the insured shall be 16 years, and the maximum age of the insured shall be 35 years.

The maximum number of travel days that may be insured, under the policy, shall be 365 days. Provided that the policy may be extended only once beyond the initial period of 365 days during the trip duration by a maximum of additional 365 days. Provided further that for an Insured being up to the age of 35 years, the maximum trip duration (including the extension as provided earlier) shall not exceed 730 days in total.

Extension of policy during the duration of the Trip can only be done once, shall comply as per the underwriting guidelines of the company at that time, and at the sole discretion of the company. The insured shall submit a declaration letter clearly mentioning the claims filed during the Original policy duration and also that he/she is unaware of any health condition today which could result in a claim during the extension period. The extension of any policy is at the sole discretion of the company, and they company is not liable to offer any reason to the insured if the policy is not extended.

A policy may not be extended if a claim is already filed by the insured. If the insured does not declare the claims filed or the claims that will be filed on the policy for the original policy duration, the extension is deemed to be invalid. No refund of premium will be given. The company will also not be liable to pay any claim filed on the initial policy duration.

Termination of the policy at a date earlier than the end date can be done only if the insured returns back to the Republic of India earlier than the end date of the policy. Refund of premium for the days between the arrival date and the end date of the policy will only be given if the same are minimum 30. A cancellation charge will be deducted from the refund premium. Premium refunded will be equal to the amount of premium to be paid for the original policy duration, minus the premium to be paid by taking the arrival date as the new end date. No refunds will be given on policies with claims.

The premium payable for the extension of the Policy during the Trip duration shall be the premium payable for the overall trip duration (including the extension) less the initial premium already paid.

Deductible will be charged for each separate incident reported for claims payment, even though the claim may be registered under the same benefit more than once.

The premium payable for the extension of the Policy during the Trip duration shall be the premium payable for the overall trip duration (including the extension) less the initial premium already paid.

Professional and semi-professional sportsmen are not eligible to be insured under this policy.

Reasonable Precautions : The Insured shall take all reasonable precautions to prevent injury, illness and disease in order to minimize claims. Failure to do so will prejudice the Insured's claim under this Policy.

Provision of information : The Insured shall provide the Company with the details of the Trip and other information (as may be required by the Company from time to time) about the insured in advance.