It is important to be aware of the exclusions in travel insurance. Here is what is not covered under SBIGI travel insurance policy.

• You cannot make claims if you are going against the doctor's advice by travelling. If you are on a waiting list for certain health treatment or are travelling overseas for medical treatment, the insurance claims will not be valid.
• Claims made for suicide, attempted suicide, death, alcoholism, self-inflicted injury or illness, venereal diseases, anxiety, drug abuse, mental disorder, loss from an injury, liability caused due to HIV or other HIV related conditions, and drunkenness.
• If the individual making the claim is a part of navy, military or air force operations.
• Claims made in relation to war, invasion, civil war, rebellion, acts of foreign enemy, hostilities, revolution, insurrection, military coup or confiscation/requisition/ damage or destruction to the property by order of the government or local authority.
• Travel on an aircraft not licensed to carry passengers.
• Loss from two-wheeler accidents is not covered unless the individual holds international travel insurance, is duly qualified, and is wearing a helmet.
• Claims made due to loss, destruction or damage to property or loss resulting from the toxic or hazardous characteristic of nuclear components, or contamination by radioactivity from nuclear waste.
• Loss due to involvement in a hazardous profession or manual labour, or loss arising from involvement in a criminal act.
• No coverage for loss arising from the participation in activities like mountaineering, driving or riding in races or rallies, winter sports, underwater activities like skew diving, rafting or canoeing, yachting or boating outside coastal waters, caving or potholing, hunting, equestrian, or any other hazardous professional sports.
• Pre-existing medical conditions.