The primary exclusions are claims related to the following:
- Visiting any country where the Ministry of Foreign Affairs of Singapore advises against travelling to or recommends postponing the travel to;
- Pre-existing medical conditions (unless you have purchased the optional Pre-existing Medical Conditions cover and the coverage is shown in your travel insurance summary);
- Participating in a sport activity that does not meet the criteria in the contract, or in any sport under professional capacity;
- Suicide or self-inflicted act;
- Events that happen before you book or take up cover;
- Travelling contrary to your doctor’s advice;
- Inflated or fraudulently made claims;
- Participating in any unlawful act;
- Participating in any hazardous work during your trip;
- Any consequence of war (whether declared or not), riot, invasion, hostilities, civil war, rebellion, revolution, warlike operations, or any other similar event; or
- Pregnancy, childbirth, or related complications.
Please refer to the policy wording on our travel page for more details.