Any injury, death or permanent total disablement due to the following reasons, the Policyholder/Beneficiary is not entitled to the benefit: 

• Intentionally self-inflicted injuries causing permanent total disablement and death.
• Injuries, permanent total disablement and death caused by using narcotic drugs at the time of accident.
• Death or permanent total disablement due to illness or any kind of disease.
• War or aggressive acts, including invasions, acts of foreign countries, enemy's acts (whether with or without war declaration), civil wars, insurrections, revolutions, riots, interference by military authorities or usurpation; or 
• Injuries, total permanent disabilities and death due to a committed criminal offense or an attempted commitment of a criminal offense.  
• Death, permanent disability, injury caused by other inflicted injury or attempted inflict injury. 

For injuries, permanent total disablement and death, the registered doctor appointed by Company will proceed the Post-mortem Examination if it is required.  

The benefit of permanent total disablement cannot be claimed together with other benefits. 

21-Days Free Look Period: You have twenty-one (21) calendar days from the date of delivery of your policy to review in detail the features of this plan and its corresponding provisions. If within this period you feel that this plan does not satisfy your needs, you may cancel your policy. Simply complete and submit the free-look form within this period and we will refund you the total premium you have paid, less the cost of medical examination, if any.