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What are the exclusions of term insurance plans?

Term insurance financially covers the risk of death, by paying a lump sum amount to the life assured’s nominee. But, certain kinds of deaths are not covered by the term plan in India. Hence, to avoid any unpleasant surprises to your family members or dependents upon your demise, it is essential to be aware of the terms and conditions of term insurance plans.

The following are the exclusions of the term plan in India:

  • Suicide

  • Death due to self-inflicted injury

  • Death due to sexually transmitted diseases like HIV or AIDS

  • Death due to the pre-existing health conditions

  • Death caused due to the involvement in illegal activities

  • Accidental death due to driving under the influence of alcohol or drugs

  • Death due to the participation in racing activities like bike racing or car racing

  • Death due to the participation in adventure activities like bungee jumping, trekking, hiking, water sports etc.

  • Death due to pregnancy and childbirth