Key exclusions & limitations
(a) Willful or intentional acts.
(b) Not following the Insurer's medical advisor’s advice or instructions.
(c) Participating in Special Sports.
(d) Engaging in paid work other than in a purely managerial or administrative capacity.
(e) Self-inflicted injuries except when trying to save human life.
(f) Injuries caused by negligence or failure to follow the laws and regulations of the country of travel.
(g) Phobias, emotional, mental or depressive illnesses of any type.
(h) Suicide or attempted suicide.
(i) Injuries or accidents which occur while under the influence of alcohol (above the local legal driving limit) or drugs unless prescribed by a registered medical practitioner.
(j) Pre-existing Conditions.
(k) Any condition or complication which arises solely from pregnancy, childbirth, miscarriage or abortion.
(l) Traveling against the advice of a Doctor.
(m) Industrial action which has commenced or has been announced prior to booking a Trip.
(n) Trips in, or booked to, countries where a government agency has advised against traveling or which are officially under embargo by the United Nations.
(o) Any fraudulent, dishonest or criminal act committed by an Insured Person or by anyone with whom he is in collusion.
(p) Confiscation or destruction of personal belongings by any Government, customs or public authority.
(q) Terrorist activities except whilst on a Public Conveyance.
(r) War, hostilities or participation in fighting (except in self-defense).
(s) Biological, chemical, nuclear or radioactive incidents.