Exclusions for BIMA Life (applies to BIMA 120, 165, and 300):
The policy does not cover loss, cost, or expense of whatever nature, directly or indirectly caused by or resulting from any of the following instances:
- Intentionally self-inflicted injuries, suicide or any attempt thereat, while sane or insane. Except to those who avail BIMA Bundle Protection.
- Murder, assault or any attempt thereat, except as specifically provided under Murder and Assault Provision except to BIMA Life.
- Losses incurred while performing his duties as a member of the Armed Forces, including those of escort and security services rendered in whatever capacity or form;
- War, invasion, an act of a foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, civil commotion assuming the proportion of or amounting to a popular specifically refer to it in whole or in part;
- Poison, gas or fumes voluntarily taken, or any nuclear reaction, nuclear radiation or radioactive contamination, and chemical or biological contamination. For the purposes of nuclear and/or chemical and/or biological substances which cause illness and/or disablement and/or death;
- Accident occurring while the insured individual is operating or learning to operate or serving as a crew member of an aircraft or Sea Craft;
- Accident occurring while the insured individual is engaged in any dangerous sports or hobbies such as racing on wheels, glider flying, sailing or other hobbies which are comparably dangerous and risky unless sports premium is paid to cover such risk;
- The accident caused by the effect of alcohol or any unprescribed drug on the insured individual.
- Death caused by pregnancy is excluded from life insurance coverage.
- Death caused by illness in a pre-existing condition has a contestability period of 6 months for life insurance. The premium must be paid continuously.
The policy does not cover loss, cost, or expense of whatever nature, directly or indirectly caused by or resulting from any of the following instances:
Cited below are the common cases covered by BIMA Hospital Cash.
- Daily Hospital Income Benefit is not applicable for planned/expected medical treatment or tests; treatment or surgical procedure for Congenital Anomalies; loss caused by pre-existing condition, maternity and complications related to it.
- Treatment and complications related to STD’s, HIV and AIDS.
- Any claim caused directly or indirectly by the use of alcohol/prohibited drugs/drug or medicine not prescribed by a Physician.
- Self-inflicted injuries; suicide.
- Any treatment of mental and nervous disorders.
- Any treatment for obesity, weight reduction or weight improvement.
- Any experimental procedures or procedures that are not accepted as standard medical procedures.
- Cosmetic or plastic surgery, any dental work, treatment or surgery, eye or ear examination, except to the extent that any of them is necessary for the repair or alleviation of damage to the Insured Individual caused solely by accident.
- Any claim as a result of extreme or dangerous activities/sports or any other hazardous activities.
- Performing duty as member of Armed Forces/Security Services.
- As a result of radioactive/chemical/biological contamination, war/invasion and any act of terrorism.