| 9- Family Floater Coverage - United India Insurance Company Ltd. |
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| Universal Health Insurance Scheme for (BPL) Below Poverity Line Families - Prospectus |
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| UNITED INDIA INSURANCE COMPANY LIMITED
Reg. & Head Office: 24, Whites Road, Chennai - 14. |
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| IV. |
EXCLUSIONS:- |
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Applicable to Section –1 |
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The company shall not be liable to make any payment under this policy in respect of any expenses whatsoever incurred by any Insured Person in connection with or in respect of: |
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| 4.1 |
Injury / disease directly or indirectly caused by or arising from or attributable to invasion, Act of Foreign enemy, War like operations (whether war be declared or not) |
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| 4.2 |
Circumcision unless necessary for treatment of a disease not excluded hereunder or as may be necessitated due to an accident, vaccination or inoculation or change of life or cosmetic or aesthetic treatment of any description, plastic surgery other than as may be necessitated due to an accident or as apart of any illness.
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| 4.3 |
Cost of spectacles and contact lenses, hearing aids. |
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| 4.4 |
Dental treatment or surgery of any kind unless requiring hospitalisation. |
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| 4.5 |
Convalescence, general debility; run-down condition or rest cure, Congenital external disease or defects or anomalies, Sterility, Venereal disease, intentional self injury and use of intoxication drugs / alcohol |
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| 4.6 |
All expenses arising out of any condition directly or indirectly caused to or associated with Human T-Cell Lymphotropic Virus Type III (HTLB - III) or lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variation Deficiency Syndrome or any syndrome or condition of a similar kind commonly referred to as AIDS. |
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| 4.7 |
Charges incurred at Hospital or Nursing Home primarily for diagnosis x-ray or Laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment of positive existence of presence of any ailment, sickness or injury, for which confinement is required at a Hospital / Nursing Home. |
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| 4.8 |
Expenses on vitamins and tonics unless forming part of treatment for injury or diseases as certified by the attending physician |
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| 4.9 |
Injury or Disease directly or indirectly caused by or contributed to by nuclear weapon / materials |
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| 4.10 |
Naturopathy Treatment |
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| Applicable to SECTION –II |
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| 4.11 |
Payment or compensation in respect of death directly or indirectly arising out of or contributed to by or traceable to any disability already existing on the date of commencement of this policy. |
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| 4.12 |
Death injury or disablements arising directly or indirectly from or traceable to:
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(i)Intentional self injury, suicide or attempted suicide
(ii)Pregnancy or in consequence thereof
(iii)Whilst engaging in aviation or Ballooning, whilst mounting into dismounting from or travelling in any Balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world.
(iv)Whilst under the influence of intoxication, liquor or drugs
(v)Directly or indirectly caused by venereal diseases or insanity
(vi)Arising or resulting from the insured committing any breach of law with criminal intent
(vii)War and war like perils, nuclear perils, radioactivity etc. |
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| v |
CONDITIONS APPLICABLE TO SECTIONS – I & II: |
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| 1. |
Every notice or communication to be given or made under this Policy shall be delivered in writing at the address of the TPA office as shown in the Schedule. |
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| 2. |
The premium payable under this Policy shall be paid in advance. |
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| 3. |
No receipt for Premium shall be valid except on the official form of the company signed by a duly authorised official of the company. The due payment of premium and the observance and fulfilment of the terms, provisions, conditions and endorsements of this Policy by the Insured Person in so far as they relate to anything to be done or complied with by the Insured Person shall be a condition precedent to any liability of the Company to make any payment under this Policy. No waiver of any terms, provisions, conditions and endorsements of this policy shall be valid unless made in writing and signed by an authorised official of the Company. |
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