Here are the main exclusions you should be aware of


Life insurance policies come with several benefits, but they also come with their own set of exclusions. Knowing these exclusions is very important in order to avoid any unpleasant surprises during the claim process.

These exclusions may differ from one insurer to another.

However, there are a few common exclusions listed below:


According to Rakesh Goyal, director of Probus Insurance, death by suicide falls under the exclusions. However, some insurers extend coverage after one year from the policy date.

Life-threatening activity

Death due to involvement in any sort of life-threatening activity or participation in any sort of criminal or illegal activity is also considered an exclusion, Goyal said.

Related to motherhood

There are some insurers that do not cover death due to complications in pregnancy and during childbirth.

No mention of pre-existing illnesses/habits

Many people tend not to mention their smoking habits in order to avoid higher premiums. That said, if claims are made after the death of the insured and that information was not disclosed initially, there is a very high likelihood that the claim will be denied, Goyal said.

“Similarly, if the insured fails to mention details of a pre-existing condition they had when purchasing the policy, those claims could also be dismissed,” he said.

Aviation loss

Most often, death in a plane crash where the insured was traveling on a private plane is not covered by an insurance policy. However, if the insured died while traveling with a commercial airline that follows a set schedule and routes, the insurer may pay the death benefit, according to Bankbazaar.

Participation in criminal/illegal acts

No insurance policy, sold by the insurer, will cover the risk posed due to participation in illegal/criminal/unlawful activities. This may include activities such as driving under the influence of alcohol, consumption of intoxicants such as drugs or alcohol, injury or death caused by a car accident in which the insured was not wearing no seatbelt or was speeding, participating in illegal demonstrations, etc. Bankbazaar mentioned.

War/acts related to war

According to this clause, if the insured has died due to an act of war or any war-related activity, the death benefit will not be paid.

In addition to the exclusions mentioned above, there may be other exclusions depending on the plan or insurer. Thus, one should check their policy document well in advance to avoid confusion during the claim process.

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