Travelling abroad for obtaining medical treatment
 Any pre-existing condition or any complication arising there from it; unless requested for full pre-existing disease coverage in the proposal form in order to meet University requirements
 War or any act of war, invasion, act of foreign enemy, war like operations, civil war, public defence, rebellion,revolution, insurrection, military or usurped acts, riot, terrorism, chemical, radioactive or nuclear contamination
 Participation or involvement in naval, military or air force operations, racing, diving, aviation, scuba diving,parachuting, hang-gliding, rock or mountain climbing
 Any breach of law with criminal intent
 Self infl icted injury, suicide or attempted suicide
 Any non allopathic treatment