Insurer will NOT pay under the following circumstances 

1. Delay, confiscation, detention, requisition, damage, destruction or any prohibitive regulations by Customs or other government Officials or
      Authorities of any country
  2. Hazardous Adventure
  3. HIV (Human Immunodeficiency Virus) and/or any HIV-related illness including AIDS (Acquired immune deficiency syndrome ) however
      caused and/or any mutant derivations, variations or treatment thereof however caused
  4. Ionising radiation or contamination by radioactivity from any nuclear waste from combustion of nuclear fuel
  5. Pre-existing medical conditions
  6. Pregnancy, childbirth, abortion or miscarriage
  7. Riot or civil commotion, lockout or threat of such event
  8. The radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof
  9. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military 
      or usurped power, martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of
      martial law or state of siege 
  10. Travelling in order to receive medical treatment.
  11. Travelling contrary to the advice of any Registered Medical Practitioner.
  12. You are aware of any existing condition, cause or circumstance that may lead to cancellation or curtailment of the scheduled trip. 

  NOTE: The above is only an explanation of the exclusions and not an Insurance Policy. The actual Policy will be provided by the Insurer.
  Copyright © 2007