ADDICTION/ INTOXICATION

Those claims derived from illnesses or pathological states caused by the voluntary consumption of alcohol, drugs, toxic substances, narcotics or medicines acquired without medical prescription, as well as any kind of mental illness or mental imbalance.

AERIAL ACTIVITIES

This Policy does not pay claims arising from flying or other aerial activity except as a fare paying passenger in a fully licensed aircraft operated by a licensed commercial air carrier or recognized charter company.

BACTERIAL & VIRAL INFECTION

The Company will not pay for claims arising from bacterial or viral infections even if contacted by accident except bacterial infection that is the direct result of an accidental cut or wound.

CARELESSNESS

Those claims caused directly or indirectly by the bad faith of the Insured, by his/her participation in criminal acts, or as a result of his/her fraudulent, seriously negligent or reckless actions. The consequences of the actions of the Insured in a state of derangement or under psychiatric treatment are not covered either.

COSMETIC/ PLASTIC SURGERY

Any Plastic, Elective, Reconstructive Surgery including treatments for skin, blemishes, aging spots, freckles, dandruff, hair loss, weight control or elective surgery to improve physical appearance, except where such Surgery is necessary for the repair of damage caused solely by bodily injuries as a result of an Accident.

HAZARDOUS ACTIVITIES & SPORTS

Any treatment or accident arising from participating in:

animal hunting (game hunting), car/ boat/ horse racing, Boxing

all Skiing for recreation or competition including Jet Skiing, Skating, and Parachuting (unless to save Insured’s life)

while getting in, getting out or taxing in Balloons or Gliders

Bungee Jumping, Mountain Climbing with or without Mountain Climbing Equipment and Diving using Oxygen Cylinders and others Breathing Apparatus

Travelling in an aircraft not operated by a commercial airline which is taxiing, taking off or landing.

This extends to driving a car or motorcycle without a driver’s

Participation in competitions or tournaments organised by sporting federations or similar

FELONY / MISDEMEANOR / BRAWLING

The Company will not indemnify the Insured in respect of any Liability or Injury arising out of criminal offences

The Company will not pay claims for any accident occurring when the Insured is encouraging or taking part or participating in a brawling

FIT TO TRAVEL

Where the Insured or his/her travelling companion were not fit to undertake the Trip as confirmed by his/her medical practitioner when booking the Trip or purchasing this policy.

PSYCHIATRY

Any diagnosis, medical investigation, symptom, diseases or treatment relating to emotional, stress, psychiatric or psychological disorders, Insanity, Behavioral or Characteristic Disorders. This extends to Concentration Problems, Autism, Depression, Eating Disorders or Anxiety.

PRE-EXISTING CONDITION

Any Pre-existing condition which the Insured received medical treatment, diagnosis consultation or prescribed drugs for which medical advice or treatment as recommended by physician preceding the Effective Date of the contract.

PREGNANCY

Any treatment arising from Pregnancy, Child Delivery, Abortion, Miscarriage (except accidental miscarriage), Infertility (includes Infertility Investigation and Treatment), Vasectomy or Contraception.

RADIOACTIVITY

Nuclear Weapons, Radiation, Radioactivity from Nuclear-Fuel or Nuclear Waste or Nuclear Radiation caused by combustion of fuel and Nuclear Fission which self-ignites. Explosion by Radioactivity Nuclear material or dangerous objects used in a Nuclear Explosion.

SEXUALLY TRANSMITTED DISEASES (STDs)

Any investigation, test or treatment arising directly or indirectly from Sexually Transmitted Diseases, including Venereal Diseases, Immune Deficiency Syndrome (AIDs), any AIDs-related condition or infection by Human Immune Deficiency Virus (HIV).

SONIC BANGS

Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.

SUICIDE

This Insurance does not cover suicide or attempting to commit suicide, self-inflicted accidents, attempting to cause accidents to him/herself or arranging for any third party to undertake such an act.

TOUR OPERATOR & AIRLINE FAILURE

Any claim that results from the tour operator, airline or any other company, firm or person not being able or not being willing to carry out any part of their obligation to the Insured.

TRAVELLING AGAINST WHO ADVICE

The Insured travel to a specific area or event when the World Health Organization (WHO) or regulatory authority in the country to/from which you are travelling has advised against all, or all but essential travel.

WAR/ TERRORISM

Any accidents or treatment arising from war (whether it is announced or not), invasion or execution by foreign enemy, Civil War, Revolution, Rebellions, Demonstrations against the government, Riot, Strike, Calamity or any political unrest having to announce martial law to control the situation, including Terrorism.

NATURAL PHENOMENA

Extraordinary natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclonic storms, falling objects from space and aerolites, and in general any extraordinary atmospheric, meteorological, seismic or geological phenomenon.