TOURMED General Exclusions

1. War, invasion, act of foreign enemy, hostilities (whether War is declared or not), civil war, rebellion, revolution, insurrection or military or usurped power, labour disturbances, riot, strike or lock-out, bomb threats; or
    
2. The intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act; or
    
3. Any Terrorist Act or bomb threat or threat thereof; or
    
4. You being in service or on duty with or undergoing training with any military or police force, or militia or paramilitary organisation; or
    
5. You traveling by air except as a passenger on a legally licensed aircraft; or
    
6. You acting as part of the aircraft crew; or
    
7. Your participation in sport as a Professional Player; or
    
8. Your pregnancy or childbirth (except for an unexpected medical complication or emergency occurring during the first 26 weeks of the pregnancy); or
    
9. Sexually transmitted disease or Acquired Immune Deficiency Syndrome (A.I.D.S.) or Human Immunodefiency Virus (H.I.V.) infection or any derivatives or variations thereof; or
    
10. Any criminal or intentional illegal act committed by You; or
     
11. Influenza unless You are hospitalised; or
     
12. Chronic fatigue syndrome or myalgia; or
     
13. Any expenses incurred in connection with any Illness or physical infirmity for which You and/or the person who is the cause of the claim is receiving or has received medical advice and/or treatment for 6 (six) months prior to the date on which the Policy Receipt was issued, nor for any expense incurred, which in the opinion of a Medical Practitioner appointed by Us, in connection with a sequelae thereof or complications that can reasonably be related thereto; or
     
14. Any recurring, chronic or continuing Illness or medical condition; or
     
15. Any hazardous pursuits, sports or activities including but not limited to engaging in motor cycling (where the engine capacity exceeds 200cc or the cycle is under control of an unlicensed driver), steeple-chasing, polo or horseback riding, hunting, bungee jumping, abseiling, white water rafting, hiking (unless accompanied by a recognised guide or on a clearly marked route), mountaineering (requiring the use of ropes or equipment), scuba diving (unless licensed or accompanied by a qualified instructor), potholing, fighting (except in bona fide self defence), racing (other than on foot or under sail in inland waters), speed or endurance racing or practise thereof (other than athletics), or any hazardous pursuits or activities or pastimes, or training for or engaging in contact sports; or
     
16. School sports (unless an Endorsement has been issued and authorised by Us); or
     
17. Willful or deliberate exposure to danger (except in an attempt to save human life), intentional self-inflicted Injury, suicide or attempt there at, or arising from non-adherence to medical advice; or
     
18. Investigations, operations or treatment of a purely cosmetic nature (other than as a direct result of an Accident), or for obesity, or undertaken to cure/improve impotency or undertaken to facilitate pregnancy; or
     
19. Insanity or any acute and/or chronic psychiatric, psychological or emotional condition; or
     
20. Mental disorders including, but not limited to anxiety disorders, eating disorders, psychotic disorders, affective disorders, personality disorders, substance use disorders, somatoform disorders, dissociate disorders, psychosexual disorders, adjustment disorders, organic mental disorders, mental retardation and autism; or
     
21. Your being under the influence of alcohol, drugs or narcotics, unless such drugs or narcotics were administered or prescribed and taken in accordance with the direction of a Medical Practitioner; or
     
22. Injury or Illness affecting the spine or the musculature, ligamentous system, cartilage dura, nervous system or blood supply of the spine other than once during any 12 month period of insurance commencing from the commencement date or renewal date of the Policy; or
     
23. Any congenital disease or defect unless such condition or defect has been declared to and has been accepted by Us in writing prior to the first commencement date of the Policy; or
     
24. Any event incurred in connection with cardiac and/or cardio vascular and/or vascular and/or cerebro vascular illness and/or conditions, nor for sequelae thereof or complications that in the opinion of a Medical Practitioner appointed by Us, can reasonable be related thereto if You have received medical advice and/or treatment (including medication) for hypertension 6 months prior to the date of issue of the Policy receipt; or
     
25. You undertaking employment as a Manual Worker; or
     
26. You undertaking employment on a permanent or contract basis which is not casual; or
     
27. Your intention to immigrate; or
     
28. Consequential loss of any kind; or
     
29. Ionising, radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel or from nuclear weapons materials. For the purpose of this exclusion only combustion shall include any self-sustaining process of nuclear fission; or
     
30. From the dispersal or application of pathogenic or poisonous biological or chemical materials

Get the best international travel medical insurance for Southern Africa from the specialists in travel health insurance for the region. Ensuring that you receive top class medical attention.