Travel (Solo & Pamilya)

• Insured can avail one (1) policy only.
• Eligibility: Principal must be 2 weeks to 65 years old.
• Period of Coverage:
  A. Trip Cancellation: takes effect upon acceptance, approval of application and receipt of premium payment and will terminate upon commencement of the trip.
  B. Other benefits: takes effect 3 hours before the scheduled flight departure time, and ceases on whichever of the following occurs first:
  i. Three (3) hours after the arrival time on the return flight for a round-trip itinerary, or upon insured’s arrival at the flight’s destination for a one-way itinerary
  ii. Upon the expiry of the period of insurance stated in the policy schedule, or;
  iii. Upon the death of the insured except for death related benefits
• Geographic coverage: Domestic, Asia, or Worldwide - depends on the chosen plan.
• COVID-19 Conditions:
  1. Hospital confinement starts 48 hours after admission.
  2. Trip cancellation/curtailment if COVID is diagnosed before or during travel.
  3. Quarantine allowance from the 3rd day (not for mandatory quarantine for all travelers).
  4. No reimbursement for testing, border control changes, or travel refusal.
• Pamilya Travel: Covers the Insured plus up to 4 dependents, each receiving 100% of benefits, except 25% for Section I - Personal Accident.
• Excluded Countries: Afghanistan, Iran, Iraq, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Lebanon, Liberia, Somalia, Sudan, South Sudan, Zimbabwe, Russia, Any other countries subject to sanctions by U.S. or EU.

The policy will not cover any loss or expense caused by or resulting from:

1. While riding or travelling on a motorcycle (applicable to Section II-A).
2. Participation of the Insured or travelling companion in:
   • Hunting, racing (except on foot), polo, hang gliding, bungee jumping.
   • Professional sports, mountaineering or rock-climbing with ropes or guides.
   • Winter sports, scuba diving (unless certified or accompanied by a qualified instructor), abseiling, ballooning, parachuting, paragliding, or gliding.
3. Miscarriage, pregnancy, or related complications, including abortion (applicable to Section II).
4. Suicide, attempted suicide, or intentional self-inflicted injuries.
5. Failure to take reasonable precautions to safeguard property, avoid injury, or minimize claims.
6. Participation in a brawl or inciting a brawl.
7. Use of non-prescribed drugs, medications, or treatments.
8. Undergoing experimental or investigative procedures.
9. Being under the influence of alcohol (beyond legal limits), addictive, or narcotic drugs.
10. Pre-existing conditions.
11. AIDS or HIV-related diseases.
12. Mental and nervous disorders.
13. Sexually transmitted diseases (STDs).
14. Cosmetic surgery, except reconstructive surgery due to a covered accident.
15. Treatment or surgery for congenital deformities or circumcision.
16. Treatment for:
    • Geriatric, psycho-geriatric, psychiatric conditions.
    • Stress, anxiety, depression.
    • Psychoanalytic treatment, rest home stays, physiotherapy, detoxification.
    • Care by a chiropractor or osteopath.
17. Vaccinations and related complications (applicable to Section II).
18. Ophthalmologic care, eyeglasses, contact lenses, hearing aids, dental care (unless to sound and natural teeth due to a covered accident), and dentures.
19. Treatment for obesity, weight reduction, or weight management.
20. Services not approved or arranged by the Authorized Company or its representative, except in emergencies where prior approval is impossible. Reimbursement will be limited to the costs the Authorized Company would have covered.
21. Additional expenses if the Insured refuses medical evacuation or repatriation when deemed fit to travel by the attending Physician and the Authorized Company.

These are only some of the exclusions. Complete listings are in the issued policy.