Star Health Travel Medical Insurance Policy Exclusions
What Star Health Travel Medical Insurance Policy doesn't cover (Exclusions)?
- Loss directly or indirectly occasioned by happening through or in consequence of:
- travel against medical advice
- with the intention of receiving medical treatment
- received terminal prognosis for a medical condition
- if the insured is aware of any circumstances that could reasonably be expected to give rise to a claim
- winter sports or the use of dry ski slopes
- manual work of any kind
- direct participation in riots or civil commotion
- war, invasion, acts of foreign enemies, hostilities(whether war be declared or not),civil war, rebellion, insurrection or military or usurped power, an act (whether on behalf of any organisation, body or persons or group of persons) activities or directed towards the overthrow or influencing of the government de jure or de facto or any provincial or local authority with force or by means of fear, terrorism or violence
- accidents whilst engaged in any form of racing, motor rallies and competitions, hang gliding, mountaineering (reasonably requiring the use of ropes or glides), pot holing, rafting or canoeing involving white water rapids, underwater activities requiring the use of artificial breathing apparatus, professional sport, rugby league or union, aerial activities, par ascending or aviation (other than as a fare-paying passenger in a certified multi-engine aircraft flown in the course of licensed operations for the transportation of passengers)
- suicide or wilfully self-inflicted injury or illness, mental disorder, anxiety or depression, venereal disease, alcoholism, drunkenness or the use of drugs(other than drugs taken in accordance with treatment prescribed or directed by a registered medical practitioner but not for the treatment of drug addiction), self exposure to peril (except in an attempt to save human life)
- Loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising from or any consequential loss directly or indirectly caused by or contributed to or arising from nuclear fission, nuclear fusion or radioactive contamination
- the insured engaging in any criminal or illegal act
- Any loss covered directly or indirectly from any injury, illness, death expenses or other liability attributable to HIV and/or any HIV related illness including AIDS or AIDS related complex(ARC) however caused and/or mutant derivatives, variations or treatment thereof however caused
- Claims arising from pregnancy
- Claims increased by insured's own act or omission
- Losses arising from accidents on two wheeled vehicles unless the driver is duly qualified and in possession of a current license valid in the country where the vehicle is operated. Notwithstanding the foregoing, the underwriters will not be liable for claims arising from accidents(as passenger or driver) on two wheeled vehicles of 125 cc or over
- Claims related to ownership(part time share or otherwise)of land or building
- Consequential loss of any nature whether direct or indirect
- Claims relating directly or indirectly as a result of bankruptcy or liquidation
- Any legal liability of whatsoever nature directly caused by or contributed to by or arising from:
- ionising radiation or contamination by radio activity from any nuclear fuel or from any nuclear waste from the combustion of any nuclear fuel.For the purpose of this exclusion combustion shall include any self sustaining process of nuclear fission;the radioactive,toxic,explosive or other hazardous properties of any explosive nuclear assembly or nuclear component therof;pressure waves caused by aircraft and other aerial devices travelling at sonic at supersonic speeds
- provoked murder or assault, intentional self injury or any attempt there at
- preexisting whether mental or physical defect or infirmity
- deliberate exposure to exceptional danger except in attempt to save human lives
- the company shall not be liable for any sums recovered by or on behalf of the insured by reason of any reciprocal arrangements under any other insurance scheme
- professional or organised sports,rock climbing or mountaineering necessitating the use of ropes or guides,potholing,hang gliding, bungee jumping, hunting ,equestrian , parachuting,any kind of rays other than on foot or water and/or winter sports , racing speed or endurance tests,hazardous pursuits or occupsation or air travel(other than as a passenger in a duly licensed passenger carrying aircraft
- the insured engaging in or taking part in armed forces,naval or airforce service or operations and/or flying or other aerial activity as a passenger in a fully licensed aircraft operated by a licensed commercial air carrier or recognised air charter company(the word 'passenger' does not include any member of the air crew or a technician working in or upon an aircraft
- Congenital anomalies or any complications or conditions arising therefrom
- The insurance shall not cover loss , damage or destruction:
- arising from confiscation or detention by customs or other official authorities
- which at the time of the happening of such loss, damage or destruction is insured by or would, but for the existence of this insurance be insured under the terms of any other existing policy or policies except in respect of any excess beyond the amount which would have been payable under the terms of the policy
- Any claim relating to events occuring before the commencement of the cover or otherwise outside the period of insurance
- Expenses on vitamins and tonics forming part of treatment for injury or disease as certified by the attending physician
- Participation in riots, confiscation or nationalisation or requisition of or destruction of or damage to property under the order of any government or local authority
- Hospital registration charges, record charges, telephone charges and such other charges