What are Not Covered (Common exclusions ) By Travel Insurance.

Any Pre-existing health condition like Diabetes, High BP, Heart disease etc unless disclosed and approved.
Under the influence of drugs, alcohol, or other intoxicants
Person is travelling against the advice of a Physician
Pregnancy and childbirth related conditions
Loss arising out of War,Terrorism, Civil and political unrest at the traveller’s destination
Mental disorder, Anxiety, stress or depression
Elective, cosmetic, or plastic surgery
Receiving or on a waiting list for receiving specified medical treatment
Participation in Adventure Sports
Self-inflicted injuries or illnesses
Suicide, (AIDS), / (HIV) infection
Traveller already out of India while purchasing policy
Travelling for the purpose of obtaining treatment
Trip cancellation because of Voluntary loss of Job or due to any criminal activity, disciplinary action etc.
Trip cancellation if You failed to check in within stipulated time.
Any consequential losses
Any Loss due to confiscation or detention by the customs, police, or public authorities
Routine physical Checkup and Vision tests or other examination
Cancellation due to VISA Refusal
Cancellation initiated by Travel Agent unless he/she is authorized by Insured in writing to do so.
Congenital anomalies
Coverage for those engaging in adventure or dangerous activities.
Left unattended or forgotten in a public place or in a public transport.
Traveling to or through excluded country in the policy i.e. Afghanistan, Cuba, DR of Congo etc
Ayurvedic, Homeopath or naturopathy treatments
Adventure sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing
Self-carried baggage is specifically excluded from the policy coverage.
Delay of baggage when the intended travel destination is India in not covered