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Alcohol & Health Insurance – What You Need to Know Halth insurance policies in India have a “self-harm” exclusion clause. This means if you are hospitalized due to complications arising from excessive drinking or alcohol-related illnesses, your claim can be denied. Why? Because insurers classify such conditions under self-inflicted harm, just like injuries from reckless or intentional actions. ✅ Tip: Always disclose lifestyle habits honestly while buying insurance and read the exclusions careful
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