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Major Exclusions |
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- Non-essential treatment;
- Travel contrary to the advice of a medical practitioner or for the purpose of receiving medical or surgical treatment;
- Any pre-existing condition, congenital and heredity condition;
- Loss or damage to any mobile phones or their accessories, contact lenses, brittle or fragile items like glass or crystal and dentures;
- Loss not reported to the local police or airline or other carrier within 24 hours of discovery;
- Loss in unlocked or unattended vehicle;
- Unexplained loss or mysterious disappearance;
- Loss or damage due to confiscation or detention by Customs or other Government Officials;
- Riding or driving in any kind of motor racing, or engaging in a sport in a professional capacity or where you would or could earn income or remuneration from engaging in such sport;
- Consequential loss of any kind;
- Suicide or intentional self-inflicted injury;
- Insanity, under the influence of drink or drugs, alcoholism, drug addiction or solvent abuse;
- Pregnancy, childbirth or miscarriage, abortion, pre-natal care as well as post-natal care and other complications arising therefrom, venereal disease;
- Curtailment of trip due to bankruptcy, liquidation, error, omission or default of any travel agency, tour operator or other provider of any service forming part of the booked itinerary;
- HIV or HIV related illness;
- War, civil war;
- Ionizing radiation or contamination by radioactivity from any nuclear fuel.
The above description is for reference only. Please refer to the policy document for detailed terms, conditions and exclusions.
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