What am I not covered for?

This Policy does not cover any of the the following.

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:

Exclusions:

  1. Any Pre-existing Conditions or congenital conditions.
  2. 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 (tumor) found in the presence of HIV, AIDS or ARC.
  3. Any condition which is, results from or a complication of pregnancy, childbirth, miscarriage (except miscarriage due to Bodily Injury as direct result of an Accident as covered under Section 3 of Part 7) or abortion.
  4. Any condition which is, results from or a complication of suicide or attempted suicide or intentional self-injury.
  5. Illnesses or disorders of a psychological nature, mental and nervous disorders, including but not limited to insanity.
  6. Any condition which results from or is a complication of any venereal disease.
  7. The alcohol content in the blood and/or urine samples exceeding the limit permitted by law of the country in which the Bodily Injury occurred or drugs not prescribed by a Physician and not for treatment of drug addiction.
  8. Declared or undeclared war or any act of war, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, military or usurped power.
  9. Loss, destruction or damage to any property whatsoever or any loss or expense whatsoever arising there from or any consequential loss directly or indirectly caused or contributed to or arising from ionizing radiations or contamination by radio-activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
  10. Any willful or intentional acts of Yours whether sane or insane, self-inflicted injury, suicide pacts or agreements or any attempts thereat, provoked homicide or assault.
  11. You acting as a law enforcement officer, emergency medical or fire service personnel, civil defense personnel or military personnel of any country or international authority, whether full-time service or as a volunteer.
  12. You engaging in aviation, other than as a fare-paying passenger in, boarding and alighting from any fixed-wing aircraft provided and operated by a regularly scheduled airline or private unscheduled air chartered company which is duly licensed for the regular transportation of fare-paying passengers or in a helicopter provided and operated by an airline which is duly licensed for the regular transportation of fare-paying passengers, provided such helicopter is operated only between established commercial airports and/or licensed heliports.
  13. Illegal acts (or omissions) by You or Your executors, administrators, legal heirs or personal representatives.
  14. Loss resulting directly or directly from action taken by any government authorities including confiscation, seizure, destruction and restriction.
  15. Any loss or expenses which is, directly or indirectly, caused by, a consequence of, arises in connection with or is contributed to by You undertaking any Journey against the advice of a Physician or for the purpose of seeking medical attention.
  16. Any prohibition or breach of government regulation or any failure by You 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.
  17. You not taking all reasonable efforts to safeguard Your property or to avoid any injury or minimize any claim under the Policy.
  18. Whilst engaging in naval, military or air force service or operation or testing of any kind of conveyance or being employed as a manual worker or whilst engaging in offshore activities like diving, oil-rigging, mining or aerial photography or handling of explosive or loss of or damage to hired or leased equipment, overseas secondment as part of Your occupation, working holiday makers visa, Return Journey for student studying overseas (full period or short period).
  19. Any loss or expenses which arises in connection with or is contributed by You undertaking any Journey against the travel advice of the Ministry of Foreign Affair of Malaysia or the Ministry of Health of Malaysia, in relation to actual or threatened Riot, Strike or Civil Commotion, war or warlike situation, outbreak of disease or unsafe health conditions, or impending Natural Disasters, to the country or territory of Your Destination, unless the Journey had already commenced prior to the issuance of the travel advice.
  20. Consequential loss or damage of any kind.
  21. Any losses caused by terrorist attacks by nuclear, chemical and/or biological substances.
  22. Your direct participation in any Act of Terrorism.
  23. Any loss or expenses with respect to Cuba or a specially designated person, entity, group or company on the Specially Designated Nationals 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.
  24. We will not (under any Sections) pay for claims arising directly or indirectly from any losses or expenses with respect to Cuba.
  25. You participating or engaging in :
    1. Extreme Sports and Sporting Activities ;
    2. Practicing for, taking part in or training in any speed contest or racing, any professional competitions or sports or any sports in which You would earn or could eran or receive remuneration, sponsorships, donations or any form of financial rewards ;
    3. Racing, other than on foot but this does not include ultra-marathons, biathlons or triathlons ;
    4. Off-piste skiing, ski-jumping, ski-bob racing, skiing off-trail, free-style skiing, and use of bob sleighs ;
    5. Mountaineering, outdoor rock climbing or abseiling ;
    6. Trekking (including mountain trekking) above three thousand (3,000) metres above sea level ;
    7. Scuba diving unless You hold a PADI certification (or similar recognized qualification) or when diving with a qualified instructor. In these situations, the maximum depth that this Policy covers is specified under Your PADI certification (or similar qualification) but no deeper than thirty (30) metres and You must not be diving alone ;
    8. Private hunting trips ;
    9. Winter sports : snowboarding, snow tubing, snow rafting, snow mobiling, glacier walking with a qualified guide ;
    10. Biking sports : mountain biking, quad biking, expedition bicycle or motor touring, motor biking ;
    11. Outdoor sports : 4-wheel driving adventures.
  26. You having booked or travelling on a Cruise unless You have purchased cover for Section 26 – Cruise Pack as shown on Your Certificate of Insurance.
  27. For Domestic Journey : Sickness, illness, diseases or any bacterial infection othe than bacterial infection that is the direct result of accidental cut or wound.

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

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