What does the Policy not Cover? - Any existing disablement while taking the Policy for the first time
- Death or disablement due to intentional self injury
- Suicide
- Death or disablement under influence of liquor or drug
- Natural death
- Pregnancy or child-birth
- Venereal disease
- Insanity
- Breach-of-law with or without criminal intent
- War & nuclear perils
- In aircraft except as a passenger
- Congenital Disease
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