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General Exclusion
- War, nuclear risks
- Any prohibition or regulations by any government
- Any illegal or unlawful intentional act by the Insured Person
- The Insured Person not taking all reasionable efforts to safeguard his/her property or to avoid injury
- Participate in any professional sports or dangerous sports
- Any pre-existing medical conditions
- Routine physical examinations or health check-ups
Specific exclusions are mentioned in the Policy
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