Policies purchased after [20 Mar 2020] will not provide any cover for claims directly or indirectly arising from, relating to or in any way connected with COVID-19 (or any mutation or variation thereof or any related strain). We will not therefore cover claims relating to any inability to travel, any decision not to travel or any changes to travel plans, nor any medical or health related loss or expense incurred, as a result of COVID-19. Refer to the FAQ for more details.

What is not covered?

This Policy does not cover, and We will not in any event be liable to pay any claims arising directly or indirectly from, caused by, a consequence of, arising in connection with or contributed to by any of the following:


  1. Nuclear, Chemical and Biological Terrorism;

  2. Declared or undeclared war or any act of war, invasion, foreign enemy, civil war, civil disorder, rebellion, revolution, insurrection, military or usurped power;

  3. Loss, destruction or damage to any property whatsoever or any loss or expense whatsoever arising there from or any consequential loss directly or indirectly caused or contributed by or arising from ionizing radiations or contamination by radio-activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;

  4. The Insured Person acting as a law enforcement officer, emergency medical or fire service personnel, civil defence personnel or military personnel of any location or international authority, whether full-time service or as a volunteer;

  5. Insured person engaging in any professional sport meaning his/her livelihood is substantially dependent on income received as a result of his/her playing sport;

  6. Insured person engaging in any motor sports as a rider, driver and/or a passenger;

  7. Any condition, which is or results from or is a complication of infection with Human Deficiency Syndrome (‘HIV’), any variance including Acquired Immune Deficiency Syndrome (‘AIDS’), and AIDS Related Complications (‘ARC’), or any opportunistic infections and/or malignant neoplasm (tumour) found in the presence of HIV, AIDS or ARC;

  8. Any condition which is, results from or a complication of pregnancy, childbirth, miscarriage (except Accidental miscarriage) or abortion, intoxication by alcohol or drugs not prescribed by a Physician;

  9. Illegal acts (or omissions) of the Insured Person or the Insured Person’s executors, administrators, legal heirs or personal representatives, loss resulting directly or directly from action taken by the Government Authorities including confiscation, seizure, destruction and restriction;

  10. The Insured Person engaging in aviation, other than as a fare-paying passenger in, boarding and alighting from any fixed-wing aircraft and/or helicopter provided and operated by a regularly scheduled airline or private unscheduled air chartered company which is duly licensed for the regular transportation of fare-paying passengers;

  11. Any loss or expenses which is, directly or indirectly, caused by, a consequence of, arises in connection with or is contributed to by the Insured Person undertaking any Journey against the advice of a Physician or for the purpose of seeking medical attention;

  12. Any Pre-existing Conditions shall means

    1. any condition for which a Physician was consulted or for which treatment or medication was prescribed 12 months preceding the commencement of the Journey; or

    2. a condition, the manifestation or symptoms of which a reasonable person in the circumstances would be expected to be aware of 12 months preceding the commencement of the Journey.

  13. Any prohibition or breach of government regulation or any failure by the Insured Person to take reasonable precautions to avoid a claim under this Policy following the warning of any intended strike, riot or civil commotion through or by general mass media;

  14. Any loss or expenses which if reimbursed or paid by the Company would result in the Company being in breach of trade or economic sanctions or other such similar laws or regulations;

  15. The Insured Person not taking all reasonable efforts to safeguard his property or to avoid any injury or minimize any claim under the policy;

  16. Any condition which is, results from or a complication of Suicide or attempted suicide or intentional self-injury;

  17. Mental and nervous disorders, including but not limited to insanity;

  18. The Insured person engaging in naval, military or air force service or operation or testing of any kind of conveyance or being employed as a manual worker or whilst engaging in offshore activities like diving, oil-rigging, mining or aerial photography or handling of explosive or loss of or damage to hired or leased equipment;

  19. Any condition which is, results from or is a complication of Venereal disease;

  20. Extreme Sports and Sporting Activities;

  21. Off-piste (backcountry) skiing;

  22. Private white water rafting grade 4 and above;

  23. Mountaineering or Trekking (including mounting trekking) of 3000 meters above sea level;

  24. Scuba diving unless You hold a PADI certification (or similar recognized qualification) or when diving with a qualified instructor. In these situations the maximum depth that this Policy covers is as specified under Your PADI certification (or similar recognized qualification) but no deeper than thirty (30) meters and You must not be diving alone; or

  25. Any loss or expenses incurred with respect to travel to any destination within the territory which is subject to any applicable trade and economic sanction, laws or regulations or a specially designated person, entity, group or company on the Specially Designated List or which if reimbursed or paid by the Company would result in the Company being in breach of trade or economic sanctions or other such similar laws or regulations.

Note: This list is non-exhaustive. Please refer to the Policy Wording for the full list of exclusions under policy.


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