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Annual Travel Insurance
The Company shall not be liable to pay compensation for expenses which concern, are due to or are incurred as a result of:
- any illness, injury, bodily infirmity or physical disability and consequences hereof which have come into existence, or shown symptoms, before the insurance became effective or, if IHI Annual Travel has been chosen, before each trip abroad (cf. Art. 6.5),
- cosmetic surgery and treatment and consequences thereof unless med ic - ally prescribed and approved by the Company,
- recreational treatment,
- pre-existing diseases of the teeth and dental treatment which is not pain- stilling and provisional and can await the insured’s arrival home,
- dentures,
- venereal diseases, AIDS, AIDS-related diseases and diseases relating to HIV antibodies (HIV positive),
- medical and maternity assistance arising after the 36th week of pregnancy, and after the 18th week when the pregnancy is the result of any kind of fertility treatment and/or the insured is expecting more than one child,
- induced abortion which is not medically prescribed,
- abuse of alcohol, drugs and/or med i- cines,
- intentional self-inflicted bodily injury,
- treatment by naturopaths, naturopathic medicines and other alternative methods of treatment,
- treatment for sickness or injuries direct ly or indirectly caused while actively engaging in: war, invasion, acts of a foreign enemy, hostilities (whether war has been declared or not), civil war, terrorist acts, rebellion, revolution, insurrection, civil commotion, military or usurped power, martial law, riots or the acts of any law- fully constituted authority, or army, naval or air service operations (whether war has been declared or not),
- nuclear reactions or radioactive fallout,
- treatment performed by the insured, his/her spouse, parents or children or an enterprise owned by one of the aforesaid persons,
- epidemics which have been placed under the direction of the public authorities,
- treatment by psychologists, unless prescribed by the treating physician in connection with emergency relief,
- routine medical check-ups, vaccinations and other preventative treatment,
- the insured resisting or failing to com- ply with the medical directions given by the Company’s medical consultant and the treating physician,
- the insured resisting medical evacuation (cf. Art. 6.7),
- transportation which has not been arranged by the Company. However, expenses equivalent to the amount which the Company would have reimbursed if it had been notified of the transportation shall be covered,
- medical treatment and examinations which can await the insured’s arrival home,
- private room in hospital unless medically prescribed and approved by the Company,
- any treatment which is not necessaryor which is not directly related to the diagnosis covered by the insurance,
- professional motorsports
IF YOU HAVE A PRE-EXISTING CONDITION
Travel insurance is designed to cover acute illness and injury occurring after you have started your trip abroad. In order for an illness to be covered it must be unexpected. Therefore, if you suffer from a condition before you begin your trip, this will normally not be covered. If you have a pre-existing condition and if you are not sure whether the insurance provides coverage, you should send a medical report to IHI in order to get
information about the cover in your particular situation.
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