- War (whether declared or not), civil war, act of foreign enemies, rebellion,
military or usurped power.
- Nuclear hazards.
- Acts of Terrorism (Except arising from the Personal Accident, Medical Cover,
Worldwide Emergency Services, Travel Delay, Cancellation Charges and Trip
Curtailment as a result of Acts of Terrorism are covered by TravelCare).
- Pre-existing condition, congenital and hereditary condition.
- Suicide, attempted suicide or intentional self-inflicted bodily injuries,
insanity, abortion, miscarriage, assigned complications, pregnancy,
child-birth, venereal diseases, the use of alcohol or drugs other than those
prescribed by a qualified registered physician, dental treatment (unless
resulting from accidental bodily injury to sound and natural teeth).
- Any kind of Racing (including as a passenger or other occupant), other than
on foot races and sports competition or any sports or games in a
professional capacity or where the Insured Person would or could earn income
or remuneration from engaging in such sports.
- Any activities in the air unless an insured person is (i) travelling as a
fare paying passenger in a licensed aircraft operated by a recognised
airline, or (ii) participating in an activity of which the maneuver or
navigation is managed and controlled by another licensed person and the
provider of such activity must be authorised by the relevant local
authority.
- Losses which are not reported within 24 hours to the authorities (such as
airlines, police) and failure to provide the report certied by the relevant
authorities.
- Pager, handheld portable telecommunication equipment, computer equipment
(except Lap Top Computer and loss of mobile phone).
- Any illegal or unlawful act.
- Any dwelling quarantine.
The above information is provided by FWD General Insurance Company Limited (“FWD GI”) for reference only and does not constitute any part of the insurance contract. For the full terms and conditions and exclusions, please refer to the policy document (including the product brochure and policy provisions) which shall prevail in case of inconsistency. In the event of any discrepancies between the English and Chinese versions of the above information and terms, the English version shall prevail.