Page 181 - IC38 GENERAL INSURANCE

ix. While the Insured/Insured Person is participating or training for any sport
as a professional, serving in any branch of the Military or Armed Forces
of any country, whether in peace or war.

x. Intentional self-injury, suicide or attempted suicide (whether sane or
insane)

xi. abuse of intoxicants or drugs and alcohol

xii. whilst engaging in aviation or ballooning, whilst mounting into,
dismounting from or travelling in any aircraft or balloon other than as a
passenger (fare paying or otherwise) in any duly licensed standard type
of aircraft anywhere in the world

Certain policies also exclude loss arising out of driving any vehicle without a
valid driving license.

PA policies are offered to individuals, family and also to groups.

Family Package Cover

Family package cover may be granted on the following pattern:

 Earning member (Persons Insured) and Spouse, if earning:
Independent capital sum insured for each, as desired, within usual
limitations as in individual.

 Spouse (if not earning member): usually 50 percent of the capital sum
insured of the earning member. This may be limited to a specified upper
limit e.g. Rs.1,00,000 or Rs. 3,00,000.

 Children (between the age of 5 years and 25 years): usually 25 percent
of the capital sum insured of the earning parent subject to a specified
upper limit e.g. Rs. 50,000 per child.

Group Personal Accident Policies

Group Personal Accident Policies are usually annual policies only renewal being
allowed on anniversary. However, non-life and standalone health insurers may
offer group personal accident products with term less than one year also to
provide coverage to any specific events.

Following are different types of group policies:

 Employer and Employee relationship

These policies are granted to firms, association etc. to cover:

 Named employees

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