What Is Not Covered

We provide clear facts about the benefits and options so you can choose the one that fits your need.

This policy will not apply to any event(s) arising directly or indirectly out of:

• any sickness other than that caused by COVID-19;
• pre-existing condition of COVID-19
• the insured person or his/her travel companion being issued a personal medical quarantine order but not confined and/or suffering from COVID-19;
• travel booked or undertaken against the advice of any doctor or for seeking medical attention;
• deliberately self-inflicted injury or suicide;
• the insured person or his/her travel companion committing any criminal or illegal act;
• any nuclear reaction or contamination, ionising rays or radioactivity;
• any nuclear, chemical or biological terrorism;
• any condition which results from or is a complication of venereal disease.

Please refer to the Policy Wording for full terms, conditions and exclusions.