What is not covered under PA cover insurance?

<?xml encoding="utf-8" ?><p>PA cover insurance (Personal Accident Insurance) is designed to provide financial protection against accidental death, disability, and injury. While it offers valuable coverage, it&rsquo;s equally important to understand its exclusions. Knowing what is not covered under <a href="https://www.manipalcigna.com/personal-accident-cover" target="_blank" rel=" noopener">PA cover insurance</a> helps avoid claim rejections and sets the right expectations. Below are some common exclusions found in most PA cover insurance policies.</p><h3>1. Death or Injury Due to Illness</h3><p>PA cover insurance only covers accidents. Any death, injury, or disability caused by illness, disease, or medical conditions is not covered under the policy.</p><h3>2. Self-Inflicted Injuries</h3><p>Injuries or death resulting from self-harm, suicide attempts, or intentional harm are excluded from PA cover insurance.</p><h3>3. Alcohol or Drug Influence</h3><p>Accidents occurring while the insured person is under the influence of alcohol, drugs, or other intoxicating substances are generally not covered.</p><h3>4. Participation in Hazardous Activities</h3><p>Injuries caused while participating in hazardous or adventure sports such as skydiving, mountaineering, or racing may be excluded unless specifically covered as an add-on.</p><h3>5. War, Terrorism, and Civil Unrest</h3><p>Death or injury resulting from war, invasion, terrorism, riots, or civil disturbances is commonly excluded from PA cover insurance.</p><h3>6. Criminal or Illegal Activities</h3><p>Accidents occurring while the insured person is involved in illegal activities or criminal acts are not covered.</p><h3>7. Pregnancy and Childbirth</h3><p>PA cover insurance does not cover injuries, death, or complications arising from pregnancy, childbirth, or miscarriage.</p><h3>8. Mental or Nervous Disorders</h3><p>Disabilities arising due to mental illness, psychological conditions, or nervous disorders are typically excluded.</p><h3>9. Nuclear and Radiation Risks</h3><p>Injuries or death caused by nuclear radiation, contamination, or radioactive exposure are excluded under PA cover insurance.</p><h3>Conclusion</h3><p>PA cover insurance provides strong financial protection against accidental risks, but it does not cover every situation. Understanding policy exclusions is essential to avoid disappointment during claims. Always read the policy wording carefully and clarify exclusions before purchasing PA cover insurance to ensure it meets your needs.</p><hr><p>If you want this blog <strong>shortened, SEO-optimised, or converted into FAQs</strong></p>