This policy has certain requirements that shall be evaluated by the customer. It is crucial to consider them in order to decide which insurance policy satisfies better the policyholder needs.
- The payment and acceptance of renewal premiums cover for Personal Accident and Travel sections lapses automatically once the insured person reaches age 75, whilst Funeral Expenses cover remains in force until the time of death.
- We will provide cover only if you gave us all material information when applying for insurance or when making a claim and if said material information is true to the best of your knowledge and belief.
The following restrictions apply to the policy:
- We will not be liable in respect of death and bodily injury occurring as a consequence of suicide within the first 12 months of the policy, intentional self-injury, intoxication, insanity, or the influence of drugs on the policyholder.
- We will not cover injuries caused by wilful exposure to needless risks (except in an attempt to save human life).
- We will not be liable in respect of death and bodily injury caused by any pre-existing physical defect or illness.
- We will not cover loss, damage, liability, bodily injury or expenses directly or indirectly caused by or contributed to, or arising from nuclear energy risks.
- We will not cover loss of or damage to data or software, in particular any harmful change in data, or software, or computer programs that is caused by a deletion, a corruption or a deformation of the original structure, and any business interruption losses resulting from such loss of damage.
- Loss or damage resulting from an impairment in the function, availability, range of use or accessibility of data, software or computer programs, and any business interruption losses resulting from such damages are excluded.
- Coverage is not provided for damage or loss caused by war, invasion, rebellion, martial law, and confiscation or nationalisation of property under the order of any government or public authority.
- We will not cover any illness if you have travelled against the advice of a doctor.
- We will not cover a medical condition for which you were planning to obtain medical treatment during your trip.
- We do not cover you if you did not receive or have the recommended inoculations and/or took the recommended medication for your travel.
- We will not pay you in case of an incident if you are under the influence of alcohol, solvents or drugs except drugs prescribed by a doctor other than for the treatment of drug abuse.