What is not covered?

Please note the exclusions of the policy.

This policy does not cover loss, consequential loss or liability arising from any of the following:

Major Exclusions:

  • Any Pre-existing Medical Condition, congenital or heredity condition
  • Travelling abroad contrary to the advice of a Physician, or for the purpose of obtaining medical treatment or services.
  • Suicide, attempted suicide or intentional self-infliction of Bodily Injury.
  • Any condition resulting from pregnancy, abortion, childbirth, miscarriage, infertility and other complications arising therefrom, cosmetic surgery or venereal disease.
  • Dental care (unless resulting from Accidental Bodily Injury to teeth which were sound and natural before the Accident).
  • Mental or nervous disorders, insanity, psychiatric condition or any behavioural disorder.
  • War (whether declared or not), invasion, act of foreign enemies, civil war, revolution, rebellion, insurrection, coup, hostilities (whether war is declared or not).
  • Direct participation in a Strike/ Riot/civil commotion or from the Insured Person performing duties as a member of armed forces, or armed service or disciplined forces (which shall include but not be limited to policemen, customs officers, firemen, immigration officers/inspectors and correctional service officers/inspectors etc.), or as a volunteer and engaged in war or crime suppression.
  • Participation in:
    • Any extreme sports and sporting activities that presents a high level of inherent danger (i.e. involves a high level of expertise, exceptional physical exertion, highly specialized gear or stunts) including but not limited to cliff jumping, horse jumping, ultra-marathons, stunt riding, big wave surfing and canoeing down rapids; unless such sports or sporting activities are usual tourist activities that are accessible to the general public without restriction (other than height or general health or fitness warnings) and which are provided by a recognized local tour operator, providing that an Insured Person is acting under the guidance and supervision of qualified guides and/ or instructors of the tour operators when carrying out such tourist activities,
    • Any professional competitions or sports in which an Insured Person receives remuneration, sponsorship or any forms of financial rewards, any stunt activity, off-piste skiing,
    • Racing, other than on foot but this does not include long-distance running more than ten (10) kilometres, biathlons and triathlons,
    • Private white water rafting grade 4 and above,
    • Any kind of climbing , Mountaineering or Trekking or ordinarily necessitating the use of specialized equipment including but not limited to crampons, pickaxes, anchors, bolts, carabineers and lead-rope or top-rope anchoring equipment,
    • Scuba diving unless an Insured Person holds a PADI certification (or similar recognized qualification) or when diving with a qualified instructor. The maximum depth that this policy covers is as specified under the Insured Person’s PADI certification (or similar recognized qualification). However, in any situation, it should not be deeper than thirty (30) meters and he/she must not be diving alone.
  • Prohibition or regulation by any government, or detention or destruction by customs or any other authority.
  • An unlawful, wilful, malicious or reckless act or omission of an Insured Person.
  • The actions of an Insured Person while under the influence of alcohol or drugs to the extent of legal impairment.
  • Riding in any aircraft other than as a passenger in an aircraft.
  • Any dishonest or criminal activity.
  • An Insured Person’s failure to mitigate the loss or the claim under this policy.
  • AIDS or AIDS Related Complex, any Bodily Injury or Sickness commencing at the time of or subsequent to a zero-positive test for HIV or related disease, or any other sexually transmitted diseases.
  • The Insured Person engaging in manual labour or non-clerical, or hazardous work including but not limited to offshore drilling, mineral extraction, handling of explosives, site working, stunt works and aerial photography.
  • Any coverage or claims arising directly or indirectly from, caused by, a consequence of, arising in connection with or contributed to by any loss or expenses with respect to any applicable trade and economic sanction, law or regulation or a Specially Designated List or which if reimbursed or paid by The Company would result in The Company being in breach of trade or economic sanctions or other such similar laws or regulations.
  • Any person or entity who is not a party to this policy shall have no rights under the Contracts (Rights of Third Parties) Ordinance (Cap 623 of the Laws of Hong Kong) to enforce any terms of this policy.
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