1. For Waiver of Premium on Permanent Disability due to accident the following exclusions shall apply:
   1. We will not be liable to provide the Waiver of Premium on Permanent Disability benefit if the Permanent Disability is directly or indirectly due to or caused, occasioned, accelerated or aggravated by, any one of the following:
      • Attempted suicide or self-inflicted injuries while sane or insane, or whilst the Life Assured is under the influence of any narcotic substance or drug or intoxicating liquor except under the direction of a medical practitioner; or
      • Engaging in aerial flights (including parachuting and skydiving) other than as a fare paying passenger or crew on a licensed passenger-carrying commercial aircraft operating on a regular scheduled route; or
      • The Life Assured with criminal intent committing any breach of law; or
      • Due to war, whether declared or not or civil commotion; or
      • Engaging in hazardous sports / pastimes, i.e. taking part in (or practising for) boxing, caving, climbing, horse racing, jet skiing, martial arts, mountaineering, off piste skiing, pot holing, power boat racing, underwater diving, yacht racing or any race, trial or timed motor sport.
      • PD due to accident must be caused by violent, external and visible means.
   2. The accident shall result in bodily injury or injuries to the Life Assured independently of any other means. Such injury or injuries shall, within 180 days of the occurrence of the accident, directly and independently of any other means cause the PD of the Life Assured. In the event of PD of the Life Assured after 180 days of the occurrence of the accident, the Company shall not be liable to pay this benefit.
   3. The Company shall not be liable to pay this benefit in case PD of the Life Assured occurs on or after the Date of Maturity of the policy.
2. For Accidental Death Benefit the following exclusions apply:
   We will not be liable to pay the Accidental Death Benefit if the Accident is directly or indirectly due to or caused, occasioned, accelerated or aggravated by, any one of the following:
   1. Attempted suicide or self-inflicted injuries while sane or insane, or whilst the Life Assured is under the influence of any narcotic substance or drug or intoxicating liquor except under the direction of a medical practitioner; or
   2. Engaging in aerial flights (including parachuting and skydiving) other than as a fare paying passenger or crew on a licensed passenger-carrying commercial aircraft operating on a regular scheduled route; or
   3. The Life Assured with criminal intent, committing any breach of law; or
   4. Due to war, whether declared or not or civil commotion; or
   5. Engaging in hazardous sports or pastimes, e.g. taking part in (or practising for) boxing, caving, climbing, horse racing, jet skiing, martial arts, mountaineering, off piste skiing, pot holing, power boat racing, underwater diving, yacht racing or any race, trial or timed motor sport.
3. For ACI Benefit the following exclusions apply:
   We will not be liable to pay any ACI Benefit in respect of any listed condition arising directly or indirectly from, though, in consequence of or aggravated by any of the following:
   1. Pre-Existing Conditions or conditions connected to a Pre-Existing Condition will be excluded. Pre-existing Disease means any condition, ailment, injury or disease:
      1. that is/are diagnosed by a physician not more than 36 months prior to the date of commencement of the policy issued by the Company or its revival or
      2. For which medical advice or treatment was recommended by, or received from, a physician not more than 36 months prior to the date of commencement of the policy or its revival.
   2. Existence of any Sexually Transmitted Disease (STD) and its related complications
   3. Self-inflicted injury, suicide, insanity and deliberate participation of the life insured in an illegal or criminal act with criminal intent.
   4. Use of intoxicating drugs / alcohol / solvent, taking of drugs except under the direction of a qualified medical practitioner.
   5. War – whether declared or not, civil commotion, breach of law with criminal intent, invasion, hostilities (whether war is declared or not), rebellion, revolution, military or usurped power or wilful participation in acts of violence.
   6. Aviation other than as a fare paying passenger or crew in a commercial licensed aircraft.
   7. Taking part in any act of a criminal nature with criminal intent.
   8. Treatment for injury or illness caused by avocations / activities such as hunting, mountaineering, steeple-chasing, professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, deliberate exposure to exceptional danger.
   9. Radioactive contamination due to nuclear accident.
   10. Failure to seek or follow medical advice, the Life assured has delayed medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this policy.
   11. Any treatment of a donor for the replacement of an organ.
   12. Any illness due to a congenital defect or disease which has manifested or was diagnosed before the Insured attains aged 17.
4. Suicide
   
   • If the Life Assured, whether sane or insane, commits suicide within 12 months from the date of commencement of risk of this Policy, We will refund higher of 80% of the total premiums paid, if any till the date of death or unexpired risk premium value as available on the date of death, provided the policy is in force.
   • In the case of a revived Policy, if the Life Assured, whether sane or insane, commits suicide within 12 months of the date of revival of the Policy, higher of 80% of the total premiums paid, if any till date of death or unexpired risk premium value as available on date of death will be payable by Us.
   • The Policy will terminate on making such a payment and all rights, benefits and interests under the Policy will stand extinguished.

• Officially Valid Document (OVD) for identity and address proof
• Recent Passport-size Photograph
• Age Proof (if not established through OVD)
• PAN (or Form 97, wherever applicable)
• Payout Mandate – Bank account details
• CDF - Customer declaration
• Agent confidential report (Based on login source)
• Passport (Applicable for NRI)
• FATCA/CRS declaration (where applicable)
• Any other document, as may be required by the Company on a case-to-case basis

For processing a death claim under this Policy, We will require the following documents (as may be relevant):

• Duly filled and signed Claimant Statement Form
• Copy of Death Certificate of the Life Assured, issued by government authority
• Claimant address proof^*
• Claimant photo identity proof^*
• Recent photograph of the claimant
• Pan card / Form 97 of the claimant
• Duly filled and signed Payout mandate form with bank account details of the claimant
• Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the claimant

DOCUMENTS REQUIRED BASED ON CAUSE OF DEATH

A. In case of death due to Unnatural causes such as Accidents (Road / Rail / Air etc), Murder, Suicide, etc.

• Medico-legal cause of death certificate
• First Information Report (FIR) from the police authority
• Inquest/ Panchnama Report
• Final police investigation report
• Post Mortem Report (PMR) issued by the hospital
• Viscera / Chemical examination report
• Newspaper Cutting, if any
• Driving License (of the Life Assured driving the vehicle in case of death due to a road accident)
• Hospitalization / treatment records if any
• Duly filled in Medical/ Hospital Attendant Certificate
• Duly filled in Employer Certificate (only if Life Assured was a salaried individual)

B. In Case of death due to Natural or medical causes (death at home, hospital)

• Medico-legal / Medical cause of death certificate
• Past medical records and treatment papers
• All hospitalization records of the Life Assured such as:
  • Admission form
  • Indoor Case Papers (ICPs)
  • Discharge summary
  • Diagnostic test reports such as USG, Pathology / Lab reports etc.,
• Duly filled in Treating Doctor Certificate
• Duly filled in Medical/ Hospital Attendant Certificate

Claim payments are made only in Indian currency in accordance with the prevailing Exchange control regulations and other relevant laws and regulations in India. In case the Claimant is unable to provide any or all of the above documents, in exceptional circumstances such as a natural calamity, the Company may at its own discretion conduct an investigation and may subsequently settle the claim.