EXCLUSIONS OF GROUP CRITICAL ILLNESS RIDER

EXCLUSIONS of GCIR:-

1. Diseases in the presence of an HIV infection.
2. Diseases that have previously occurred in the life of the member of the scheme i.e. the benefit is payable only if the disease is a first incidence , regardless of whether the earlier incidence occurred before the individual was covered or whether the insured was covered by us or another insurer.
3. Any disease occurring within 90 days of the start of the coverage for each member of the scheme. (I.e. during the waiting period).
4. No payment will be made for any claim directly or indirectly caused by, based on, arising out of, or howsoever, to any Critical Illness for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself or was contracted before the start of the policy period, or for which claim has or could have been made under any earlier policy.
5. Any congenital condition.
6. Alcohol or solvent abuse or taking of drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner.
7. Failure to seek or follow medical advice.
8. War, invasion, act of foreign enemy, hostilities(whether war be declared or not),armed or unarmed truce, civil war ,mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes.
9. Taking part in any naval, military or air force operation during peace time.
10. Participation by the member of the scheme in any flying activity, except as a bona fide, fare-paying passenger of a recognised airline on regular routes and on a scheduled timetable.
11. Participation by the member of the scheme in a criminal or unlawful act.
12. Engaging or taking part in professional sport(s) or any hazardous pursuits, including but not limited to , diving or riding or any kind of race, underwater activities involving the use of breathing apparatus or not, hunting, mountaineering, parachuting , bungee-jumping.
13. Nuclear contamination, the radio active, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature.
14. Intentional self inflicted injury, suicide or attempted suicide, while sane or insane.
15. Existing diseases are not covered.

Additional exclusions may be disease-specific and would be incorporated into the definition of the disease.