What is not covered?

Worldwide Travel Protection Plan:

This policy is not cover for:

• War (whether declared or not), invasion, act of foreign enemies, civil war, revolution, insurrection, civil commotion, popular rising against the Government, riot, strike.
  
  
• Nuclear weapons, radiation or radioactivity from any nuclear fuel or nuclear refuse arising from the combustion of nuclear fuel and any process of self-sustaining nuclear fission/ fusion.
  
  
• Any illegal or unlawful act by the Insured Person or confiscation, detention, destruction by customs or other authorities.
  
  
• Any prohibitions or regulations by any Government.
  
  
• Any breach of Government regulation or any failure by the Insured Person to take reasonable precautions to avoid a claim under this Policy following the warning of any intended strike, riot or civil commotion through or by general mass media.
  
  
• The Insured Person not taking all reasonable efforts to avoid any injury or minimize any claim under this Policy.
  
  
• Riding or driving in any kind of race, professional sport (meaning the Insured Person would or could earn income or remuneration from engaging in it) and air travel (other than as a passenger in any properly licensed private and/or commercial aircraft), equipped mountaineering (unless with additional premium and with the Company’s approval).
  
  
• Any loss or treatment related/caused by pregnancy, pregnancy complications including all forms of delivery, miscarriage and abortion.
  
  
• Suicide or attempted suicide or intentional self-injury.
  
  
• While the Insured Person is taking part in a brawl or taking part in inciting a brawl.
  
  
• Action of the Insured Person while under the influence of alcohol, addictive drugs, narcotic drugs to the extent of being unable to control one’s mind.
  
  
• The term “under the influence of alcohol” in case of having a blood test refers to a blood/alcohol level of 150 mg. percent and over.
  
  
• Any pre-existing conditions for which the Insured Person received medical treatment, diagnosis, consultation or prescribed drugs within a 12-month period preceding the Period of Insurance or condition for which medical advice or treatment was recommended by a Physician within a 12-month period preceding the Period of Insurance.
  
  
• AIDS or any Injury or Sickness commencing in the presence of a zero-positive test for HIV, and HIV-related disease.
  
  
• Mental and nervous disorders, including but not limited to insanity.
  
  
• The Insured Person engaging in naval, military or air force service or operations or testing of any kind of conveyance or being employed as a manual worker or whilst engaging in offshore mining or aerial photography or handling of explosive or hitchhiking or backpacking.
  
  
• Venereal disease.
  
  
• Any treatment or surgical operation for congenital deformities and circumcision.
  
  
• Treatment arising from any geriatric, psycho-geriatric or psychiatric condition, stress, anxiety and depression.
  
  
• Birth control or treatments pertaining to infertility.
  
  
• Treatment for obesity, weight reduction or weight improvement.
  
  
• Treatment or services undertaken without the recommendation of a Physician; routine physical examinations or health check ups not incidental to the treatment or diagnosis of a covered Injury or Sickness.
  
  
• Traveling abroad contrary to the advice of a Physician, or for the purpose of obtaining medical treatment or services.
  
  
• Losses which are indirect and consequential in nature.
  
  
• Any loss or liability arising as a result of traveling to or passing by Cuba. This list of country is non-exhaustive and will be updated from time to time by the Company.
  

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

Chubb Flight Insurance – Domestic Plan

This Policy does not cover for:

• any payment which would violate any law, government prohibition or regulation;
  
  
• death or injury directly or indirectly occasioned by war, invasion, act of foreign enemy, hostilities or warlike operation (whether war be declared or not), mutiny, Civil War, rebellion, revolution, insurrection, conspiracy, military or usurped power, martial law or stage of siege, any of the events or causes which determine the proclamation or maintenance of martial law or state of siege, seizure, quarantine or customs regulations or nationalization by or under the order of any government or public or local authority;
  
  
• delay, seizure, confiscation, destruction, requisition, retention or detention by customs or any other government or public authority or official;
  
  
• any violation or attempt of violation of laws or resistance to arrest by appropriate authority;
  
  
• any Insured Person below the age of 6 weeks (calculated since last birthday as at the date of insurance purchased);
  
  
• members of the armed forces whilst on duty or whilst engaging in or taking part in naval, military or air force service or operations or participating in operations of an offensive nature planned or conducted by any civil or military authorities against bandits, terrorists or other elements;
  
  
• during air travel except as a fare paying passenger in any properly licensed private and/or commercial aircraft operated by Airline;
  
  
• from, attributed to or accelerated by the use, release, or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; or the dispersal or application of pathogenic or poisonous biological or chemical materials; or the release of pathogenic or poisonous biological or chemical materials. For the purposes of this exclusion, serious physical injury means physical injury that involves a substantial risk of death and/or protracted and obvious physical disfiguration, and/or protracted loss of or impairment of the function of a bodily member or an organ;
  
  
• any serious physical injury or disability resulting directly or indirectly
  
  
• any Pre-Existing Condition;
  
  
• suicide, attempted suicide or any intentional self-inflicted injuries acted upon by the Insured Person to him/herself whether sane or insane;
  
  
• treatment of alcoholism or drug abuse or any other complications arising therefrom or any drug related accident;
  
  
• pregnancy, miscarriage or childbirth, or any treatment relating to birth control or treatment pertaining to infertility or any other complication arising therefrom;
  
  
• psychosis, mental or nervous disorders or sleep disturbance disorders;
  
  
• cosmetic or plastic surgery or any elective surgery;
  
  
• any congenital defect which has manifested or was diagnosed before the Commencement of Cover;
  
  
• Any treatment or surgical operation for congenital deformities and circumcision.
  
  
• Treatment arising from any geriatric, psycho-geriatric or psychiatric condition, stress, anxiety and depression.
  
  
• Treatment for obesity, weight reduction or weight improvement.
  
  
• Traveling contrary to the advice of a Physician, or for the purpose of obtaining medical treatment or services.
  
  
• any form of dental care or surgery unless necessitated by injury caused by the Accident covered under the Policy to sound and natural teeth;
  
  
• routine health check-ups, any medical investigation(s) not directly related to admission diagnosis, illness or injury, or any related treatment;
  
  
• Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by any Human Immune Deficiency Virus (HIV) (for the purpose of this Policy, the definition of AIDS shall be that used by the World Health Organization in 1987, or subsequent revision by the World Health Organization of that definition. Infection shall be deemed to have occurred where blood or other relevant test(s) indicate in the opinion of the Company either the presence of any Human Immune Deficiency Virus (HIV) or Antibodies to such Virus);
  
  
• any injury sustained while serving as a crew member of any aircraft except as a fare-paying passenger in any aircraft having a current and valid air worthiness certification issued by the appropriate authority of the country of its registry;
  
  
• Venereal disease.
  
  
• driving or riding in any kind of race involving motorized vehicles;
  
  
• While the Insured Person is taking part in a brawl or taking part in inciting a brawl;
  
  
• Action of the Insured Person while under the influence of alcohol, addictive drugs, narcotic drugs to the extent of being unable to control one’s mind. The term “under the influence of alcohol” in case of having a blood test refers to a blood/alcohol level of 150 mg. percent and over;
  
  
• late arrival of the Insured Person at the airport for the Scheduled Flight after the official check-in time;
  
  
• failure of the Insured Person to take reasonable measure to protect, save or recover lost luggage;
  
  
• failure of the Insured Person to notify the relevant airline authorities of missing luggage at the scheduled destination point and to obtain a property irregularity report;
  
  
• any loss, injury, damage or legal liability arising directly or indirectly from engaging practicing or participating in sport in a professional capacity or when an Insured Person would or could earn income or remuneration from engaging in such sport;
  
  
• Investigation which is not medically necessary, or convalescence, custodial or rest care;
  
  
• any loss, injury, damage or legal liability suffered or sustained directly or indirectly by an Insured Person if that Insured Person is:
  
  
• a terrorist;
  
  
• a member of a terrorist organization;
  
  
• a purveyor of nuclear, chemical or biological weapons; or
  
  
• a narcotics trafficker.
  
  
• any loss resulting directly and indirectly (in whole or in part).
  
  
• an Epidemic;
  
  
• Losses which are indirect and consequential in nature.

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