Though term plans provide death benefits, there are certain exclusions which are not covered which are not covered in term insurance. Following are the exclusions in term insurance plans in India:Suicide (excluded only for 1st first of policy purchase)Death due to self-inflicted injuryDeath due to sexually transmitted diseases like HIV or AIDSDeath due to the pre-existing health conditionsDeath caused due to the involvement in illegal activitiesAccidental death due to driving under the influence of alcohol or drugsDeath due to the participation in racing activities like bike racing or car racingDeath due to the participation in adventure activities like bungee jumping, trekking, hiking, water sports etc.Death due to pregnancy and childbirth