1.  Policy does not cover pre-existing diseases and complications arising from them.

2.  Routing physical or other examination where there is no objective indication of impairment of normal health.

3. Medical expenses beyond the expiry of the Policy Period

4. Suicide, attempted suicide or willfully self inflicted injury or illness mental disorder, anxiety, stress of depression, venereal disease, alcoholism, drunkenness by abuse of drugs, HIV, ADIS.

5. Manual work or hazardous occupation, self exposure to needless peril (except in an attempt to save human life), or if engaging in any criminal or illegal act.

6. Pregnancy, resulting childbirth, miscarriage, abortion or complication, arising out of any of the foregoing.

7.  Loss or damage to the Insured's passport as a result of the confiscation or detention by custom's, police or any other authority.

8. Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained.

9. Loss caused by the Insured's failure to take reasonable steps to guard against the loss of the passport.

In the event of the insured unable to continue the school semester due to any of the following reasons arising during the policy period, the company shall reimburse the tuition fee paid for the  current  semester  schedule :

1.  Serious medical condition of the insured requiring hospitalization covered under the policy

2.  Death or serious injury requiring hospitalization o feither of the parents of the insured

In the event of the sponsor meeting with an accident during the policy period, which results in his death or permanent total disability during the policy period, the Company shall reimburse the remaining school fee.

In the event of the insured become hospitalized as a result of an accidental injury or sickmess covered under the policy and the attending physician advises the necessary attendance of a Family Member of the Insured, the Company will reimburse the travel cost for the visit. For this purpose, family member shall mean spouse, parent, sibling and in laws.