For proper clarification you should refer your policy Copy for the specific exclusions that your insurer levy,
Anyway, Some of the General Exclusions of Personal Accident Policies are:
- Bodily Injury or Sickness caused by Civil War or Foreign War.
- Bodily Injury or Sickness caused or provoked intentional by insured person.
- Bodily injury due to gradually operating clause.
- Bodily Injury sustained while or as a result of riding or driving a motorcycle or motor scooter over one hundred fifty (150) cc.
-Bodily injury sustained while or as a result of participating in any criminal act.
-Any pathological fracture.
-Treatment for nervous or mental problems, whatever classification, psychiatric or psychotic conditions, depression of any kind, or mental insanity.
-Any medical Expenses incurred, the need of which arises our of a Pre existing condition.
-Bodily Injury caused by or arising from or as a result of terrorism.
