Vietnam Travel Insurance Policy Details
CHAPTER III – EXCLUSIONS
ARTICLE 12: THE POLICY DOES NOT COVER LOSSES ARISING FROM:
Pre-existing Illness or Injury, congenital conditions or birth defects, HIV (human immunodeficiency virus) and HIV related illness including AIDS (Acquired Immunity Deficiency Syndrome) and AIDS related conditions.
Chronic disease whether occurring prior to or during the Period of Insurance including: hemorrhoids, hernia, diseased tonsils requiring surgery, pathological abnormalities of nasal septum or turbinate, hyperthyroidism, cataracts, sinus conditions requiring surgery, endometriosis, tuberculosis, anal fistulae, cholecystitis, calculi of all kinds, urethra or bladder abnormalities or disease, hypertension or cardiovascular diseases, gastric or duodenal ulcer, hallux valgus, all forms of tumors or cancer, malignancies, disorders of blood or bone marrow, diabetes mellitus.
Riots and strike, war (declared or undeclared), invasion, acts of foreign enemies, civil war, revolution, civil disorders, military or usurped power, performance of duties as a member of armed forces of any country,
Suicide, attempted suicide or intentional self inflicted bodily injuries, mental and nervous disorders, insanity, abortion, miscarriage, child birth, venereal disease, the use of alcohol, drugs or solvents other than those prescribed by a qualified registered physician; dental treatment unless resulting from accidental bodily injury to sound and natural teeth.
Nuclear fission, nuclear fusion or radioactive contamination.
Accidents whilst engaging in (including any practice or conditioning program for) any sports or games in a professional or amateur capacity or organized contact sports, racing (other than on foot), motor rallies and competitions, rock or mountain climbing normally involving the use of ropes or other equipment, potholing, skydiving, hang gliding, parachuting, hunting on horseback, entering / descending or flying in any aircraft other than a properly licensed aircraft operated by a recognized airline in which the Insured Person is travelling as a fare paying passenger, engaging in any manual labour or hazardous work that involves the use of machinery or tools.
Trekking at an altitude limit greater than 5,000 meters above sea level or scuba diving to a depth greater than 20 meters below sea level.
Death or Injury or other direct or indirect related costs caused by or contributed to or arising from the failure or inability at any time of any computer, electronic equipment, data processing equipment or media, microchip, embedded chip, integrated circuit or similar device or any computer software, whether the property of the Insured Person or not, to recognize correctly or treat any date as its true calendar date and/or capture save retain process manipulate or interpret correctly any data information command or instruction as a result of its failing to treat any calendar date as its true date or the operation of any programmed command which by reason of a failure or inability to treat any date as its true calendar date causes the loss of data or an inability to capture save retain or process correctly such data at any time.
Losses which are indirect and consequential in nature.
Any loss, damage or liability to be insured by another Policy or to be paid by another liable 3rd party. However, this exclusion is not applied for Article 6 “PERSONAL ACCIDENT” of this Policy.
Unless otherwise approved by in advance, the fact that the Insured Person involving in works or jobs with high risks and exposures such as sailing, working in drilling platform, mining, diving etc.
