Principal Exclusions of Travel Policy

Insurers Will not be Liable for any Claim

• Where the insured person is travelling against the advice of a Medical Practitioner
• Where the purpose of the Insured Trip is to receive medical treatment or advice
• As a result of use by an Insured Person of non-prescribed drugs which cannot be legally obtained from a pharmacy
• As a result of suicide, attempted suicide or self-inflicted injury
• In respect of journeys of more than 90 days, the Insurance Company will not be liable for any Medical and Emergency Expenses or Rescue Expenses incurred as a result of any condition from which the Insured person is known to be suffering or for which an Insured person has received professional treatment or consultation
• Resulting from diving
  • Out with the course of employee’s occupation or students in the course of their studies
  • Below 30 meters
  • Bone necrosis is excluded
  • During the hours of ‘darkness’

Notes

The following conditions must be adhered to in respect of diving

• Each demand regulator must be examined every 12 months by a competent person
• Each air cylinder shall be:
  • inspected internally and externally every 2.5 years
  • given hydraulic pressure test every 5 year
    by an independent body in full accordance with BS EN 1968:2002 for Steel Gas Containers and BS EN 1802:2002 for Aluminium Gas Containers or by a competent person prior to use if outside the UK to ensure that cylinders have been inspected and maintained.
• All diving sessions be accompanied by a "buddy diver"