The rider coverage terminates once we pay all or part of the coverage face amount.

The rider will not be payable if death or dismemberment results from or is accelerated by:

Suicide or self inflicted injury, whether the life insured is medically sane or insane.

War, terrorism, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, martial law, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion. War means any war whether declared or not.

Service in the armed forces, or any police organisation, of any country at war or service in any force of an international body.

Committing an assault, a criminal offence, an illegal activity or any breach of law.

Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a licensed doctor other than the owner of this policy or the life insured.

Inhaling any gas or fumes, accidentally or otherwise, except accidentally in course of duty.

Body or mental infirmity or any disease.

Participation in aviation other than as a fare-paying passenger in an aircraft which is authorised by the relevant regulations to carry passengers between established aerodromes

Under Sec 80 C and 10 (10 D)of the Income Tax Act 1961** **
As per current tax legistations

No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate or the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebates as may be allowed in accordance with the published prospectuses or tables of the insurer.

The rider will not pay the sum assured if the death is a direct or indirect result of any of the following:
a) Suicide or self inflicted injury, whether the Life Insured is medically sane or      insane.
b) War, terrorism, invasion, act of foreign enemy, hostilities, civil war, martial law,      rebellion, revolution, insurrection, military or usurper power, riot or civil      commotion. War means any war whether declared or not.
c) Service in the armed forces, or any auxiliary civilian force, of any country at war      or service in any force of an international body.
d) Committing an assault, a criminal offence, an illegal activity or any breach of law. e) Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug,      narcotic, medicine, sedative or poison, except as prescribed by a licensed      doctor other than the policy owner or the Life Insured.
f) Inhaling any gas or fumes, accidentally or otherwise, except accidentally in the     course of duty.
g) Body or mental infirmity or any disease.
h) Participation in aviation other than as a fare-paying passenger in an aircraft      which is authorised by the relevant regulations to carry such passengers      between established aerodromes.