| | 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
(i) for a Per Trip Plan Policy shall mean any illness, disease or other condition which You suffer and within a 12-month period preceding the effective date of this Policy (a) first manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinary prudent person to seek diagnosis care or treatment; (b) requires You to take prescribed drugs or medicine; or (c) was treated by a Medical Practitioner or treatment was recommended by a Medical Practitioner; and
(ii) for an Annual Multi-Trip Plan Policy shall mean any illness, disease or other condition for which a claim is payable under the Policy in respect of a previous Trip within 12 months prior to Your travel or any illness, disease or other condition which You suffer and within a 12-month period preceding the effective date of this Policy (a) first manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinary prudent person to seek diagnosis care or treatment; (b) requires You to take prescribed drugs or medicine; or (c) was treated by a Medical Practitioner or treatment was recommended by a Medical Practitioner.
Country Exclusion
American Home Assurance Company, Singapore Branch (AHA) 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 or Syria.
For more details please refer to policy terms, conditions & exclusions. Travel Guard Travel Insurance is underwritten by American Home Assurance Company,
Singapore Branch (AHA), A Chartis Company. Servicing agent: Loh Leng Ngah(wef Jan 2010  AIG Assist had been rebranded as Chartis Travel Guard) |
Introduction to Travel Guard
