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Emergency Evacuation Insurance
For Accidental Death and Dismemberment, Emergency Medical Evacuation, Repatriation of Mortal Remains, Emergency Reunion, Return of Dependent Child, this insurance does not cover:
- Suicide or attempt thereof by the Insured Person while sane or self destruction or any attempt thereof by the Insured Person while insane;
- Disease of any kind; bacterial infections except pyogenic infection which shall occur through an accidental cut or wound; hernia of any kind; (Only applicable for Accidental Death & Dismemberment)
- Injury sustained while the Insured Person is riding as a pilot, student pilot, operator or crew member, in or on, boarding or alighting, from any type of aircraft; as a passenger in any aircraft (a) not having a current and valid airworthy certificate and (b) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
- Declared or undeclared war or any act thereof; service in the military, naval or air service of any country;
- Flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing or endurance tests; rocket-propelled aircraft; crop dusting or seeding or spraying, fire fighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing or any experimental purpose; engaged in any flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even though granted.
For Political Evacuation and Repatriation, this insurance does not cover: 1) Losses recoverable under any other insurance or through an employer; 2) Losses arising from or attributable to a) dishonest or criminal acts committed or attempted by the Insured Person, b) alleged violation of the laws of the host country, unless the company determines such allegations to be fraudulent, or c) failure to maintain required documents or visas; 3) Losses attributable to a ) debt, insolvency, commercial failure, or the repossession of any property, b) Insured Person's non-compliance with a contract or license or c) implementation of legally contributed exchange rates; 4) Losses due to liability assured by the Insured Person under any contract.
For Trip Interruption, this insurance does not cover: 1) war or any act of war, whether declared or not; participation in a felony, riot or insurrection; participation in contests of speed; a Pre-existing Condition existing prior to the Insured Person's departure from their Home Country that has the likelihood of causing death to any immediate family member.
For Lost Baggage, this insurance does not cover: animals; automobiles or automobile equipment; boats; motors; motorcycles; other conveyances or their appurtenances (except bicycles while checked as baggage with a Common Carrier); household furniture; eye glasses or contact lenses; artificial teeth or dental bridges; hearing aids; prosthetic limbs; musical instruments; money or securities; tickets or documents; or sporting equipment if loss or damage results from the use thereof.
For Medical expenses, this insurance does not cover: (1) Pre-existing Conditions, defined as any Injury or Sickess which was contracted or which manifested itself, or for which treatment or medication was prescribed within three [3] years prior to the Effective Date of this insurance; (2) For services, supplies or treatment, including any period of Hospital confinement, which were not recommended, approved and certified as necessary and reasonable by a Physician; (3) For suicide or any attempt thereat while sane or self destruction or any attempt thereat while insane; declared or undeclared war or any act thereof; Injury sustained while participating in professional athletics; (4) For sickness resulting from pregnancy, childbirth, or miscarriage; or miscarriage resulting from accident; (5) For routine physicals or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnosis or x-ray examinations, except in the course of a Disability established by a prior call or attendance of a Physician; (6) For cosmetic or plastic surgery, except as a result of an accident; elective surgery which can be postponed until the Insured Personreturns to his/her Country of Residence; any mental and nervous disorders or rest cures; (7) For dental care, except as the result of Injury to natural teeth caused by accident; eye infractions or eye examinations for the purpose of prescribing corrective lenses for eye glasses or for the fitting thereof, unless caused by accidental bodily Injury incurred while insured thereunder; (8) In connection with alcoholism and drug addiction, or use of any drug or narcotic agent; congenital anomalies and conditions arising out or resulting from thereof; expenses which are non-medical in nature; (9) For the ordinary cost of a one-way airplane ticket used in the transportation back to the Insured Person’s Home Country where an air ambulance benefit is provided; (10) For expenses as a result of or in connection with intentionally self-inflicted Injury or the commission of a felony offense; (11) For specific named hazards: motorcycle driving, scuba diving, skiing, mountain climbing, sky diving, professional and amateur racing, and the piloting an aircraft; (12) Treatment paid for or furnished under any other individual or group policy or other service or medical pre-payment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government program or facility set up for treatment without cost to any individual.
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