Travel Guard Policy Exclusions

Main Exclusions

• AIDS; mental or nervous disorders; suicide or self-inflicted injuries.
• Childbirth & Pregnancy (except Section 3 and Section 7).
• Gemstones.
• Flight duty (except as a passenger) or manual work.
• Pre-Existing Medical Condition means any condition for which:

(i) You received medical treatment, diagnosis, consultation or prescribed drugs within a twelve (12) month period preceding the commencement of a Trip; or

(ii) Medical advice or treatment was recommended by a Medical Practitioner within a twelve (12) month period preceding the commencement of a Trip; or

(iii) A reasonable person in the circumstances would be expected to be aware of within a twelve (12) month period preceding the commencement of a Trip.

Country Exclusion

Chartis Insurance Singapore Pte. Ltd. will not cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to, or through

• Afghanistan
• Cuba
• Democratic Republic of Congo
• Iran
• Iraq
• Liberia
• Sudan
• Syria
• Libya

For more details please refer to travel insurance policy terms, conditions & exclusions.

This travel insurance is underwritten by Chartis Singapore Insurance Pte. Ltd. The exact terms, conditions and exclusions for this travel insurance are specified in the policy contract. Activation is IMMEDIATE upon successful completion of online proposal form & payment process. Travel insurance policy document shall be sent to Insured via email.