Any payment in case of more than one claim under this Section during any one Policy Period by which Our liability in that period would exceed the sum payable under Benefit 1 of this Section. Payment of compensation in respect of death or injury as a direct consequence of: Committing or attempting suicide or intentional Being under the influence of intoxicating liquor or drugs. Engaging in aviation other than travelling as a bonafide passenger in any duly licensed standard type of aircraft anywhere in the world. Pregnancy or childbirth. Veneral disease or insanity. Contracting any illness directly or indirectly arising from or attributable to HIV and/or any HIV related illness including AIDS and/or any mutant derivative or variation of HIV or AIDS. Committing any breach of law with criminal intent. TABLE OF BENEFITS % OF CAPITAL SUM INSURED Death 100 a.) Loss of sight (both eyes) Loss of two limbs Loss of one limb and one eye 100 100 100 a.) Loss of an arm At the shoulder joint At a point above elbow joint At a point below elbow joint At the wrist Loss of a leg Above the centre of the femur Upto a point below the femur Upto a point below the knee Upto the centre of tibia At the ankle Loss of sight of one eye 70 65 60 55 70 65 60 55 50 50 Permanent total disablement 100 a.) i) Loss of toes-all Great-both phalanges Great-one phalanx Other than great, if more than one toe lost-each 20 5 2 1 injury.
Practitioner. Note:- The Hospitalisation expenses incurred for treatment of any one Critical Illness under agreed package charges of the Hospital/Nursing Home will be restricted to 80% of the Sum Insured under this Section of the Policy or actuals whichever is less. Hospitalisation expenses of person donating an organ during the course of organ transplant will also be payable subject to the above sub limits applicable to the Insured person and within the overall Sum Insured of the Insured person. For the Donor, no payment will be made towards Ambulance charges, Pre and Post Hospitalisation expenses and Daily Allowance. Pre-Hospitalisation and Post Hospitalisation expenses as defined under the Policy will also be reimbursed along with the aforesaid Hospitalisation expenses subject to the overall Sum Insured limit of the Insured person. Any Nursing expenses during Pre and Post Hospitalisation will be considered only if Qualified Nurse is employed on the advice of the attending Medical Practitioner for the duration specified. Expenses on Diagnostic, X-Ray, or Laboratory examinations unless related to the treatment of Critical Illness falling within ambit of Hospitalisation claim. Any expense on treatment of Insured Person as outpatient in a Hospital. Any expense related to Critical Illness suffered whilst engaged in speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports and activities of similar hazard. External medical equipment of any kind used at home as post hospitalisation care like wheelchairs, crutches, instruments used in treatment of sleep apnea syndrome (C.P.A.P) or continuous peritoneal ambulatory dialysis (C.P.A.D) and oxygen concentrator for bronchial asthamatic condition, etc. 9. Any Insured Person under 5 years of age or aged 65 years or more. SECTION 6 TRACTOR PROPERTY INSURED Property Covered Tractor shall be covered while used for Agricultural and Forestry purposes only. Property Not Covered Tractor shall not be covered While used for hire and reward or for racing, pace making, reliability trial or speed testing. While used for the carriage of passengers for hire or reward. While drawing a greater number of trailers in all than is permitted by law.