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Personal Accident

Chola MS personal accident policy does not provide benefits for any death, disability, expense or loss incurred in result of any injury attributable directly or indirectly to the following:

  • Intentionally self-inflicted injury, suicide or any attempt or threat while sane or insane
  • War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kings, princes and people of whatsoever nation, condition or quality
  • Participation in naval, military or air force operations whether in the form of military exercises or war games or actual engagement with the enemy, foreign or domestic
  • Loss sustained or contracted in consequence of the insured being under the influence of alcohol or drugs unless administered on the advice of a physician

The above is an indicative list of major exclusions only. Please refer to the Policy Wordings for the complete coverages, exclusions and terms and conditions of the policy.

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