What are the major exclusions under Z-Travel?

• War or any act of War, declared or not;
• Your direct participation in strikes, riots and civil commotion or insurrection;
• You, your travel companion’s, family member’s provoked murder or assault, intentional self-injury, suicide or attempted suicide while sane or insane;
• You, your travel companion’s, family member’s deliberate exposure to exceptional danger (except in an attempt to save human life);
• Pre-existing condition (not applicable to Benefit 6 of International Plan);
• Epidemic and/or pandemic (not applicable to Section C – Covid-19 Benefits);
• Act of terrorism (not applicable to Benefits 7, 8, 9, 10 and 17 of International Plan);
• An incident or circumstance of which you were aware of or could reasonably be expected to be aware of at the time of purchasing this insurance or booked your travel (whichever occurs last) and which could reasonably be expected to lead to a claim under your policy;
• You do not take precaution to avoid a claim after there was a warning in the mass media of a strike, riot, bad weather or other circumstances;
• Any circumstances that already existed or are known to the public before you book your travel;
• Mountaineering or any activity above three thousand (3,000) meters height (not applicable to Benefit 17 of International Plan); and
• Additionally, for International plan, if one (1) of the reasons of your journey is to obtain overseas medical treatment, vaccination, medical check-up, care or advice regardless of whether this is the sole or main purpose of your journey;

Note: This list is non-exhaustive. Please refer to the policy wording for full list of exclusions under this product.