| 1. | costs or expenses incurred outside the Period of Insurance; |
| 2. | air travel other than as a passenger on a fully licensed passenger carrying aircraft operated by an airline or an air charter company; |
| 3. | war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power; |
| 4. | any nuclear reaction or contamination, ionising rays or radioactivity; |
| 5. | loss or damage caused by detention, confiscation or destruction by customs or other officials or authorities; |
| 6. | any unlawful act committed by You or if You have not been honest and frank with all answers, statements and submissions made in connection with Your insurance application or claim; |
| 7. | any government prohibition, regulation or intervention; |
| 8. | Section 2 Additional Expenses or Section 3 Loss of Deposits and Cancellation Charges in respect of any costs or expenses incurred prior to You being certified by a Doctor as unfit to travel; |
| 9. | travel booked or undertaken against the advice of any Doctor or after a Terminal Illness had been diagnosed; |
| 10. | loss or theft or damage to property, or death, illness or bodily injury if You fail to take reasonable care; |
| 11. | any Pre-Existing Medical Condition You or Your Travelling Companion have; |
| 12. | any Pre-Existing Medical Condition of any other person unless the person is hospitalised or dies in Australia after the date the Policy is issued and at the time of issue of the Policy You have a reasonably held view that the chance of a claim occurring was highly unlikely. The maximum amount We will pay under the Policy for claims arising from this is AUD4,000; |
| 13. |
(a) pregnancy or childbirth involving You or any other person if You are aware of the pregnancy prior to the date of issue of the Policy and,
(i) where complications of this pregnancy have occurred prior to this date, or
(ii) where the conception was medically assisted;
(b) pregnancy or childbirth involving You or any other person after the twenty-fourth (24th) week of pregnancy or where the problem arising is not an unexpected serious medical complication;
|
| 14. | suicide, attempted suicide, self-inflicted injury or condition, stress, travel exhaustion, the effect of alcohol or drugs or the transmission of any sexually transmittable disease or virus; |
| 15. | nervous, anxiety or stress disorders resulting in a disinclination to travel or complete Your Journey. |
| 16. | participation by You or Your Travelling Companion in hunting, racing (other than on foot), polo playing, hang gliding, sports activities in a professional capacity, mountaineering or rock climbing using ropes or guides, bungee jumping or scuba diving unless You hold an Open Water Diving Certificate or are diving with a qualified diving instructor; |
| 17. | participation by You or Your Travelling Companion in motor cycling for any purpose except involving the use of a hired motorcycle with an engine capacity of 200cc or less, provided that the driver holds a current Australian Motor Cycle Licence; |
| 18. | participation by You or Your Travelling Companion in abseiling, ballooning, parachuting, paragliding or gliding; |
| 19. | consequential loss of any kind including loss of enjoyment or any financial loss not specifically covered in the Policy; |
| 20. | any Goods and Services Tax (GST) liability or any fine, charge or penalty You are liable for because of a failure to fully disclose to Us Your input tax credit entitlement for the premium; |
| 21. | failure of any travel agent, tour operator, accommodation provider, airline or other carrier, car rental agency or any other travel or tourism services provider to provide services or accommodation due to their Insolvency or the Insolvency of any person, company or organisation they deal with; |
| 22. | Section 2 Additional Expenses, Section 3 Loss of Deposits and Cancellation Charges and Section 7 Travel Delay arising from acts of terrorism; |
| 23. | any benefit that if paid, would constitute the carrying on of a "Health Insurance Business" as defined under the National Health Act, 1953 (Cth), the Private Health Insurance Act, 2007 (Cth) or any succeeding legislation to those Acts; |
| 24. | 24. any benefit that would breach s126 of the Health Insurance Act 1973 (Cth) including the payment of medical expenses in Australia respect of the rendering of a professional service for which a Medicare benefit is payable. |