What am I not covered for?

This Policy does not cover, and the Company will not in any event be liable to pay any Benefits or indemnify the Insured Person in respect of, any loss which is, directly or indirectly, caused by, a consequence of, arises in connection with or is contributed to by any of the following:

Common Exclusions

(a) any person who is not a Singapore Resident;

(b) any costs with respect to Cuba;

(c) any prohibition, regulation or intervention by government authorities;

(d) insolvency of any person, company or organisation, including but not limited to a travel agent, tour operator, accommodation provider, airline or other carrier, vehicle rental agency or any other travel or tourism services provider except for insolvency covered under Section 15 – Loss of Advance Deposit due to Insolvency of Travel Agent;

(e) any loss of enjoyment or any financial loss not specifically covered under this Policy;

(f) any loss which is recoverable from:
        (i)    any other source, for example compensation from accommodation providers, transport providers, service providers, travel agents;
       (ii)    another insurance policy covering the same event;
       (iii)   compensation under any other workers compensation act, transport accident laws or any other applicable similar legislation or by government sponsored fund, plan, medical benefit scheme required to be effected by or under a law. 

Medical and Health Exclusions

(a) travel booked or undertaken against the advice of any Doctor or for the purpose of seeking medical attention;

(b) any Pre-existing Condition;

(c) any condition which is, results from or a complication of pregnancy, childbirth, miscarriage (except miscarriage due to Accidental Injury);

(d) 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;

(e) any condition which results from or is a complication of venereal disease;

(f) mental and nervous disorders;

(g) any Communicable Disease Outbreak or any fear or threat of a Communicable Disease Outbreak unless expressly included at the date of inception or renewal of this Policy. 

Conduct and Activity Exclusions

(a) any wilful or intentional acts by You whether sane or insane, self-inflicted injury, suicide pacts or agreements or any attempts thereat, provoked homicide or assault;

(b) illegal acts (or omissions) by You or Your executors, administrators, legal heirs or personal representatives;

(c) loss resulting directly or directly from action taken by the government authorities including confiscation, seizure, destruction and restriction;

(d) intoxication by alcohol or drugs not prescribed by a Doctor;

(e) You not taking all reasonable efforts or Your carelessness, negligence or recklessness in safeguarding Your property or avoiding any injury or minimizing any claim under the Policy;

(f) You participating in:
       (i)     Extreme Sports and Sporting Activities;
       (ii)    Any professional competitions or sports in which You may receive remunerations, sponsorships or any forms of financial rewards;
       (iii)   Racing, other than on foot but this does not include ultra- marathons, biathlons and triathlons;
       (iv)   Off-piste skiing;
       (v)    White water rafting Grade 4 (of international scale of river difficulty) and above;
       (vi)   Mountaineering;
       (vii)  Trekking (including mountain trekking) above three thousand (3,000) metres above sea level;
       (viii)  Scuba diving unless You hold a PADI certification (or similar recognised 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 recognised qualification)
but no deeper than thirty (30) metres and You must not be diving alone;

       (ix)   Winter Sports: snowboarding, snow tubing, snow rafting, snow mobiling, glacier walking with a qualified guide;
       (x)    Biking Sports: mountain biking, quad biking, expedition bicycle touring, motor biking; or
       (xi)   Outdoor Sport: 4 wheel driving adventure;

(h) air travel other than as a fare-paying passenger on a fully licensed passenger carrying aircraft operated by an airline for the regular transportation of passengers;(i) You acting as a law enforcement officer, emergency medical or fire service personnel, civil defence personnel or military personnel of any country or international authority, whether in full-time service or as a volunteer or during reservist training pursuant to Section 14 of the Enlistment Act, Chapter 93 of Singapore; 
(j) You engaging in:
      (i)     naval, military or air force service or operation;
      (ii)    testing of any kind of conveyance;
      (iii)    Manual Work, offshore activities including but not limited to diving, oil-rigging, mining or aerial photography, or handling of explosive.

Event Exclusions

(a) declared or undeclared War or any act of War, invasion, foreign enemy, Civil War, rebellion, revolution, insurrection, military or usurped power; 

(b) any nuclear reaction or contamination, ionising rays or radioactivity; 

(c) any Nuclear, Chemical, Biological Terrorism; 

(d) any known event/foreseen circumstance in relation to actual or threatened Riot, Strike, Civil Commotion or impending Natural Disasters, that were publicized or reported by the media or where a travel advisory has been by issued by the Ministry of Foreign Affair of Singapore or the Ministry of Health of Singapore, or a national or international body or agency before the Policy was issued or before the trip was booked (in the case of an Annual Policy).

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