What Is Not Covered?

We will not (under any Sections) pay for claims arising directly or indirectly from:

1. Declared or undeclared war or any act of war, invasion, foreign enemy, civil war, rebellion, revolution, insurrection, military or usurped power.
2. Any nuclear reaction or contamination, ionising rays or radioactivity.
3. Any wilful or intentional acts by You whether sane or insane, mental and nervous disorders, self-inflicted injury, suicide pacts or agreements or any attempts thereat, provoked homicide or assault.
4. 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 full-time service or as a volunteer, other than for reservist training under the Section 14 of the Enlistment Act, Chapter 93 of Singapore.
5. You participating in:-
   • Extreme Sports and Sporting Activities;
   • any professional competitions or sports in which You receive remunerations, sponsorships or any forms of financial rewards;
   • racing, other than on foot but this does not include ultra-marathons, biathlons and triathlons;
   • off-piste skiing;
   • private white water rafting grade 4 and above;
   • Mountaineering;
   • trekking (including mounting trekking) above 3000 meters; or
   • 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) meters and You must not be diving alone.
6. Any condition, which is or results from or is a complication of infection with Human Immunodeficiency Virus (‘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.
7. Any condition which is, results from or a complication of pregnancy, childbirth, miscarriage (except miscarriage due to Accidental Injury).
8. Intoxication by alcohol or drugs not prescribed by a Doctor.
9. Illegal acts (or omissions) of You or Your executors, administrators, legal heirs or personal representatives, loss resulting directly or directly from action taken by the Government Authorities including confiscation, seizure, destruction and restriction.
10. Air travel other than as a fare-paying passenger on a fully licensed passenger carrying aircraft operated by an airline or an air charter company for the regular transportation of passengers.
11. Travel booked or undertaken against the advice of any Doctor or for the purpose of seeking medical attention.
12. Any Pre-existing Conditions.
13. Any government prohibition, regulation or intervention.
14. Any loss or expenses with respect to Cuba or a Specially Designated List or which if reimbursed or paid by Us would result in Us being in breach of trade or economic sanctions or other such similar laws or regulations.
15. 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.
16. You engaging in naval, military or air force service or operation or testing of any kind of conveyance or being engaged in Manual Work or whilst engaging in offshore activities including but not limited to diving, oil-rigging, mining or aerial photography or handling of explosive or loss of or damage to hired or leased equipment.
17. Any condition which results from or is a complication of venereal disease.
18. Any known event/foreseen circumstance, which means Riot, strike, Civil Commotion or Natural Disaster that were publicised or reported by the media or through travel advice issued by a national or international body or agency before the Policy was taken up or before the trip was booked.
19. Any Communicable Disease Outbreak or any fear or threat of a Communicable Disease Outbreak.