Aditya Birla Salaried Term Plan

Exclusions

• If the life insured dies due to suicide within 12 months from the policy commencement or revival date, the nominee will receive the higher of 80% of total premiums paid or the surrender value (if applicable), and the policy will terminate.

• The Terminal Illness Benefit will not be payable if the condition is caused by intentional self-inflicted injury or suicide attempt, whether medically sane or insane.

• Claims arising from self-inflicted injuries or attempted suicide are not covered under accidental death and disability or critical illness riders.

• Participation in hazardous activities such as racing, mountaineering, or bungee jumping is excluded from coverage.

• Drug abuse, alcohol intoxication, or consumption of narcotics leading to an incident is not covered.

• Claims related to criminal acts, unlawful activities, or intentional harm are excluded.

• Death or disability caused by war, terrorism, riots, or civil unrest is not covered.

• Injuries or death resulting from participation in aviation activities (except as a passenger on a commercial flight) are excluded.