IFFCO Tokio Loan Protector Policy

Listed below are the exclusions for four different sections under the IFFCO Tokio Loan Protector Policy.

1. Critical Illness:

Any claim under this policy for a covered critical illness that is directly or indirectly caused by, based on, arising out of, or otherwise attributable to any of the following will not be paid for by the company:

1. Any illness, sickness, or disease that isn’t listed under this policy’s definition of “Critical Illness.”

2. Any critical illness that was identified or showed symptoms before the policy’s start.

3. Any claim based on a pre-existing disease, injury, or complication, excluding those that you declare and the company accepts.

4. Any sexually transmitted illness, whether or not it results from the circumstances listed under 3 above, such as Genital Warts, Syphilis, Gonorrhoea, Genital Herpes, Chlamydia, Pubic Lice, and Trichomoniasis.

5. Any critical illness brought on by the insured person’s use, abuse, or exposure to any intoxicant, drug, alcohol, or hallucinogen.

6. The insured person uses drugs unless they are taken as prescribed by a licenced medical professional.

7. Intentional self-injury, suicide, or attempted suicide.

8. Civil war, public defence, rebellion, revolution, insurrection, military or usurped power are all examples of external invasion, the acts of external enemies, hostilities, warlike operations (whether war is declared or not, or while performing duties in the armed forces of any country during war or at peacetime).

9. Ionising radiation or contamination from radioactivity resulting from nuclear fuel combustion, nuclear, chemical, or biological attack, or from any nuclear fuel (in explosive or dangerous form).

10. Any claim resulting from a risk associated with sports insofar as it relates to the practice or competition of professional or semi-professional athletes or to riding or driving in any kind of race or competition.

2. Personal Accident – Death And Disability:

Unless otherwise specified, the company will not cover any claims made against any Insured person under this Section that are directly or indirectly related to, brought about by, stemming from, or in any other way attributable to any of the following:

1. Any pre-existing condition, disability, or complication resulting from a pre-existing disease.

2. Any payment made if the Sum Insured is exceeded by our maximum liability for that Policy Period as a result of multiple claims made under the Policy during a single Policy Period. Payments made under the Policy’s Emergency Ambulance Cover, Funeral Expenses, or Education Fund would not be subject to this.

3. Suicide or suicide attempt Suicide, self-inflicted harm, and self-destructive behaviour.

4. A medical professional’s certification that they are a family member or that they live in the same house as the insured person.

5. Any sexually transmitted or venereal disease.

6. Diseases, defects, or anomalies that are internal or external at birth or that arise as a result.

7. Bacterial infections (aside from pyogenic infections, which happen as a result of an unintentional cut or wound).

8. Breaking any law or taking part in a riot, crime, misdemeanor, or civil disturbance with the intent to commit a crime.

9. The use, abuse, or effect of any drug, alcohol, hallucinogen, or other substance that causes intoxication.

3. Loss Of Job:

1. Any claim in which the termination, layoff, retrenchment, or permanent dismissal of You or an Insured Person from Your Employment is due to or results from

• A lacklustre performance

• termination due to any dishonesty or fraud,

• Failure to follow any organization’s or company’s internal policies or guidelines

• Any sanctions taken against You or the Insured by the Employer

• Wilful disregard for any currently in effect laws.

2. Any job loss resulting from one in which you or the insured person is not paid a salary or other form of compensation.

3. Any suspension from employment because the employer or public authority is still looking into something.

4. Any unemployment brought on by retirement or resignation, whether it was voluntary or not.

5. Any unemployment resulting from a lack of employment confirmation after or during the time the insured person was on probation.

4. Hospital Daily Cash:

Any claim under this Section that is directly or indirectly caused by, based on, arising out of, or otherwise attributable to any of the following will not be covered by the company:

1. Any illness, injury, or condition for which you or the insured person had symptoms within 36 months of the first policy being issued by the company was diagnosed or received medical advice or treatment.

2. Routine exams and tests that are not necessary for the treatment or diagnosis of an illness, injury, or disease, such as dental work, eye exams, or other exams and/or tests.

3. Sterility, treatments intended to cause or treat infertility, and fertility, subfertility, assisted conception procedure, surrogacy or vicarious pregnancy, birth control, and supplies or services related to contraception, including complications resulting from providing services.

4. Sleep apnea, Parkinson’s, Alzheimer’s, external congenital diseases defects or anomalies, general sluggishness or exhaustion (the “run-down condition”); stem cell surgery or implantation, or growth hormone therapy.

5. Sexually transmitted diseases or illnesses, brain lymphomas, Kaposi’s sarcoma, and tuberculosis.