1. The insured commits suicide, attempted suicide or self-inflicted injury. 2. Any pre-existing conditions
3. While the insured is under the influence of alcohol, drugs or addictives.
4. War, invasion, acts of foreign enemies, hostilities or warlike operations, civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, any act of terrorism.
5. While the insured is performing duty as a pilot, crew member, a member of armed forces or police or as a volunteer and engaged in war or crime suppression.
6. While the Insured is participating in or practicing for or competing in professional sports.
7. While the Insured is engaging in all types of motor or car racing or boat racing, horse racing, skiing including jet-ski, skating, boxing and parachute jumping (except parachute jumping to save life), while boarding or alighting or travelling in a hot-air balloon, bungee jumping, diving activities which requires the use of oxygen tanks and underwater breathing apparatus (except diving with an oxygen tank and underwater apparatus to save life), engaging or competing in paramotors, paragliders, gliders including any sports similar to paramotor, paraglider, glider, extreme sports of dangerous and risky nature.
8. While the Insured is working in a high risk environment such as high-rise buidling, oil or gas rigs, underground mines or labour tasks such as fishery, construction, fruit picking or maneuvering heavy machineries.
9. General Travel Insurance Policy does not cover person(s) travelling to or within countries as follows (country list may be varied byeach insurer):
Afghanistan, Azerbaijan, Cuba, Irak, Israel, Kyrgyzstan, Lebanon, Libya, Nicaragua, North Korea, Pakistan, Palestine, Syria, Tajikistan, Turkmenistan, Uzbekistan, Iran, Nepal (excluding Climbing & Trekking purpose only), Russia, Ukraine

Note:
This is common conditions for general travel insurance plan only, buyers must ensure to make a full understanding of such insurance policy terms and conditions before making purchase.