National Insurance – Health insurance Policy for Senior Citizens - Exclusions

Exclusions

VARISTHA Mediclaim for Senior Citizens

The Company shall not pay any benefit to any insured Person who suffers an event giving rise to a Critical Illness which arises or is caused by or associated with directly or indirectly by any one of the following:-

1. The ingestion of drugs other than those prescribed by a practicing and duly qualified member of the medical profession.
2. The ingestion of medicines, prescribed or not, for treatment of drug addiction and any treatment relating to drug addiction.
3. Any attempt by the Insured Person at suicide or any injury, which is self inflicted or in any manner willfully caused by or on behalf of the Insured Person.
4. Where the Insured Person at any time suffered from the condition commonly known as AIDS or was infected by the commonly called HIV virus. The terms AIDS and HIV will be interpreted as broadly as possible so as to include all or any mutants, derivatives or variations thereof. The onus will always be on the Insured Person to show that any event was not caused by or did not arise through AIDS or HIV.
5. The Company will not be liable for a Critical Illness and/or its symptoms (and/or the treatment) of which were present in the Insured Person at any time before inception of the Policy or the date on which cover was granted to such Insured Person, or which manifest themselves within a period of 90 days from such date, whether or not the Insured Person had knowledge that the symptoms or treatment were related to such Critical Illness. In the event of any interruption in cover, the terms of this exclusion will apply as new from recommencement of cover.
6. No claim will be payable if the Insured Person smokes 40 or more cigarettes/cigars or equivalent tobacco intake in a day.
7. No claim will be payable if a critical illness is caused directly or indirectly or contributed to by or arising from:

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(i) Ionizing Radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or nuclear weapons materials.

(ii) War, Invasion, Act of Foreign enemy, Hostilities, Civil War, Rebellion, Revolution, Insurrection, Mutiny, Military, or Usurped Power, Seizure, Capture, Arrest, Restraints and Detainment of all Kings, Princes and People of whatever nation condition or quality whatsoever.

Special Note: The company reserves the right to review the premium rate, terms and conditions of this policy at the time of renewal.