Policy will not pay under below circumstances:

• Medical dental and transportation related claims will not be paid except at the usual customary and reasonable level of charges for such services.
• All medical evacuation or transportation of dead body must be approved in advance by Mercury and their Medical Advisors.
• No claims will be paid in respect of expenses for treatment which could reasonably be delayed until the Insured Person's return to the Republic of India. The question of what can or what cannot be reasonably delayed will be decided jointly by the treating physician and Medical Advisors.
• No claims will be paid that is less than the deductible stated in the schedule. The deductible shall apply to each insured event and shall be borne by the Insured Person.
• No claim in respect of cosmetic surgery will be paid unless such cosmetic surgery is rendered necessary as a result of a covered accident.
• No claims will be paid in respect of routine physical examination or any other examination where there is no objective indication of impairment of normal health.
• No claim will be paid in respect of medical treatment and related services obtained within the Republic of India except as stated under Covered Expenses.
• The insurance will not cover pregnancy of the insured person including resulting childbirth miscarriage abortion or complication of any of these.