The policy will never award compensation if the trip was taken against medical advice, or when awaiting or recovering from an in-patient treatment or after a terminal prognosis.

The policy also does not recognise claims made on account of war and nuclear perils or consequential losses of any kind.

Claims arising out of suicide, attempted threats, alcoholism, psychiatric disorders, insured's own criminal act are not admissible either.

Mountaineering, rock climbing, winter sports, travel by ferry, two-wheelers, three-wheelers or public transport vehicles as gratuitous passenger also are excluded from the policy payment conditions.