Policies purchased after 20 Mar 2020 will not provide any cover for claims directly or indirectly arising from, relating to or in any way connected with COVID-19 (or any mutation or variation thereof or any related strain). We will not therefore cover claims relating to any inability to travel, any decision not to travel or any changes to travel plans, nor any medical or health related loss or expense incurred, as a result of COVID-19.

What is Not Covered?

This policy does not cover loss, consequential loss or liability arising from any of the following:

Major Exclusions:

  • Any pre-existing medical condition, congenital or heredity condition, suicide, intentional self-infliction, pregnancy, childbirth, miscarriage, cosmetic surgery, dental care (unless due to accidents), mental or nervous disorder, AIDS or AIDS related complex.
  • War, civil war, insurrection, revolution.
  • Performing duties as a member of armed forces or other law enforcing agencies.
  • Participation in any professional sports where the insured person could or would earn income or remuneration from engaging in it, except as arranged by the overseas studying institution.
  • Riding in any aircraft except as a fare-paying passenger or engaging in labor work.
  • Prohibition or regulation by any government or customs detention.
  • Illegal act by the insured person.
  • Actions of insured person while under the influence of alcohol or drugs to the extent of legal impairment.
  • Health check-ups or any investigation(s) not directly related to admission, diagnosis, sickness or injury, or any treatment or investigation which is not medically necessary.
  • The insured person is employed as or performs the duties of a hazardous occupation, including but not limited to aircrew, fisherman, armed occupation (including temporarily armed occupation), jockey, fire fighter, railway installation and maintenance worker, construction worker, container terminal crane operator, etc.
  • Any loss or expenses with respect to Cuba or a specially designated person, entity, group or company on the Specially Designated List or which if reimbursed or paid by Chubb would result in Chubb being in breach of trade or economic sanctions or other such similar laws or regulations.