Provided always that the Company shall not be liable under this policy in respect of

1. Any Injury by accident directly attributable to war, war like operation and other convulsion of nature, nuclear fuel or material and contaminated by radio activity.

1.1. the compensation payable by the Insured under Workmens Compensations Act, 1923 for the injury

1.2. The Insureds liability to employees of contractors of the Insured

1.3. Any employee who is not a workman within the meaning of laws

1.4. Any liability of the Insured which attaches by virtue of an agreement but which would not have attached in the absence of such agreement.

1.5. Any sum which the insured would have been entitled to recover from any party but for an agreement between the insured and such party.

1.6. Any reimbursement for expenses incurred for diseases mentioned in part c of schedule III of the WC Act, 1923 which have been brought within the scope of that act by the workmen's compensation (Amendment) Act, 1956.

2. Payment respect of injury or disablement directly or indirectly arising out of or contributed to by or traceable to any disability existing on the date of issue of this policy.

3. Payment in respect of injury arising out of or resulting from the Insured Persons

3.1 Intentional self-injury, suicide or attempted suicide.

3.2 Being under the influence of intoxicating liquor or drug.

3.3 Insanity (Directly or indirectly caused by insanity).

3.4 Committing any breach of law with criminal intent.

4. Any hospitalization expenses incurred because of bodily injury resulting directly or indirectly, proximately or remotely, from any accident other than arising out of and in the course of employment.

5. Expenses on vitamins and tonics unless forming part of the Hospitalization treatment for injury as certified by the attending Physician.

6. Naturopathy Treatment.

For detailed exclusions, please see policy in our website.