Any insurance policy you take to be insured whether as individual or family, there comes some limitations also. Hence, personal accident insurance policy also has some exclusion. Few of them to throw light on are as follows:
a) Compensation is not covered in case of any riots, nuclear perils, wars, misdemeanours, felonies and crimes.
b) Also death or disability due to any suicide attempt, sexual diseases like HIV/ veneral disease/ AIDS, breaching of any law, self injuries and problems due to liquor or drugs ingestion/ injection will not be covered in any kind of general personal accident insurance policy.
c) You cannot claim for more sums in the same period of policy exceeding the capital sum insured
d) Compensation will not be given for more than one clause in the same period of disability. Also no payment will be compensated after admission of a claim of fifty or hundred percent of capitol sum insured.