Travel Insurance Claim

Where the Insured person is travelling against the advice of a physician; or receiving or on a waiting list for receiving specified medical treatment; or is travelling to obtain treatment; or has received a terminal prognosis for a medical condition; or any pre-existing condition or any complication arising from it.  

Suicide, attempted suicide (whether sane or insane) intentionally self-inflicted injury, illness, or sexually transmitted conditions or nervous disorder. 

Serving in any branch of the military or armed forces of any country, whether in peace or war and in such an event, we, upon written notification by you, shall return the pro rata premium for any such period of service during the rip.  

Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a physician and taken as prescribed. 

Participation in an actual or attempted felony, riot, crime, misdemeanour, or civil commotion; or operating or learning to operate any aircraft or performing duties as a member of the crew on any aircraft or scheduled airline; or any loss arising out of war, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether war be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power. 

Any loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism, regardless of any other cause or event contributing concurrently or in any other sequence to the loss. The warranty also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to an action taken in respect of any act of terrorism. If the company alleges that because of this exclusion, any loss, damage, cost or expenses is not covered by this insurance the burden of proving the contrary shall be upon the insured. 

Any loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected act of terrorism; or the use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination.  

The dispersal or application of pathogenic or poisonous biological or chemical materials; The release of pathogenic or poisonous biological or chemical materials, (However, the above only applies if 50 or more persons sustain death within 90 days of the date of the incident). 

The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment.  

Performance of manual work for employment or any other potentially dangerous occupation. 

Congenital anomalies or any complications or conditions arising therefrom. 

Osteoporosis (porosity and brittleness of the bones due to loss of protein from the bone matrix) or pathological fracture (any fracture in an area where pre-existing Disease has caused the weakening of the bone). 

Participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any professional sports, any bodily contact sport or potentially dangerous sport for which you are untrained. 

Any loss, injury, damage or legal liability arising directly or indirectly from travel in, to, or through Afghanistan, Cuba or the Democratic Republic of Congo. 

Pregnancy and all related conditions, including services and supplies related to the diagnosis or treatment of infertility or other problems related to an inability to conceive a child; birth control, including surgical procedures and devices; This however does not include ectopic pregnancy proved by diagnostic means and is certified to be life-threatening by the physician. 

For any loss of which a contributing cause was your actual or attempted commission of, or wilful participation in, an illegal act or any violation or attempted violation of the law or your resistance to arrest. 

Any loss, injury, damage or legal sustained directly or indirectly by any terrorist or member of a terrorist organization, narcotics trafficker, or purveyor of nuclear, chemical or biological weapons. 

Any non-medical expenses (list enclosed - Annexure I)