Insurance Terms & Conditions

Insurance Terms & Conditions

General Exclusions

  • 1

    Action of the Insured while under the influence of alcohol, addictive drugs, narcotic drugs to the extent of being unable to control one’s mind.

    The Term “under the influence of alcohol” in case of having a blood test refers to a blood/alcohol level of 150 mg percent and over.Your Content Goes Here

  • 2

    Suicide, attempted suicide, or self-inflicted injury.

  • 3

    Infection or parasite — except pyogenic infections, tetanus, or rabies resulting from a wound or cut suffered as a result of an accident.

  • 4

    Medical or surgical treatment, except treatment that is necessary due to an injury covered under this policy and occurring within the policy period.

  • 5

    Miscarriage and abortion.

  • 6

    Dental care, root canal treatment, except necessary treatment within 7 days following an accident.

  • 7

    Dentures, crowns, and prosthodontic work.

  • 8

    Back pain caused by herniated disc, spinal shift, spinal degeneration, spinal inflammation, or osteoporosis — unless there is a fracture or dislocation of the spine due to an accident.

  • 9

    War (whether declared or not), invasion, act of foreign enemies, civil war, revolution, insurrection, civil commotion, popular uprising against the government, riot, or strike.

  • 10

    Nuclear weapons, radiation or radioactivity from any nuclear fuel or nuclear refuse arising from the combustion of nuclear fuel, and any process of self-sustaining nuclear fission or fusion.

  • 11

    While the Insured pilots or works as a crew member in any aircraft.

  • 12

    While the Insured is taking part in a brawl or inciting a brawl.

  • 13

    While the Insured is committing a felony, or while being arrested, under arrest, or escaping from arrest.

  • 14

    While the Insured enters or resides in the Kingdom of Thailand illegally.

General Exclusions

  • 1

    Action of the Insured while under the influence of alcohol, addictive drugs, narcotic drugs to the extent of being unable to control one’s mind.

    The Term “under the influence of alcohol” in case of having a blood test refers to a blood/alcohol level of 150 mg percent and over.Your Content Goes Here

  • 2

    Suicide, attempted suicide, or self-inflicted injury.

  • 3

    Infection or parasite — except pyogenic infections, tetanus, or rabies resulting from a wound or cut suffered as a result of an accident.

  • 4

    Medical or surgical treatment, except treatment that is necessary due to an injury covered under this policy and occurring within the policy period.

  • 5

    Miscarriage and abortion.

  • 6

    Dental care, root canal treatment, except necessary treatment within 7 days following an accident.

  • 7

    Dentures, crowns, and prosthodontic work.

  • 8

    Back pain caused by herniated disc, spinal shift, spinal degeneration, spinal inflammation, or osteoporosis — unless there is a fracture or dislocation of the spine due to an accident.

  • 9

    War (whether declared or not), invasion, act of foreign enemies, civil war, revolution, insurrection, civil commotion, popular uprising against the government, riot, or strike.

  • 10

    Nuclear weapons, radiation or radioactivity from any nuclear fuel or nuclear refuse arising from the combustion of nuclear fuel, and any process of self-sustaining nuclear fission or fusion.

  • 11

    While the Insured pilots or works as a crew member in any aircraft.

  • 12

    While the Insured is taking part in a brawl or inciting a brawl.

  • 13

    While the Insured is committing a felony, or while being arrested, under arrest, or escaping from arrest.

  • 14

    While the Insured enters or resides in the Kingdom of Thailand illegally.

Exclusion Activities

  • 1

    Horse Riding

  • 2

    Elephant Riding

  • 3

    Elephant Ride for Sightseeing

  • 4

    Rock Climbing

  • 5

    Mountain Climbing

  • 6

    Abseiling from Mountain/Cliff

  • 7

    Climbing Rope Net

  • 8

    Walking on Rope Bridge

  • 9

    Sky Slider by Rope/Sling

  • 10

    Overnight Trekking/Hiking

  • 11

    Scuba Diving

  • 12

    Freediving

  • 13

    Water Rafting

  • 14

    Mountain Biking

Exclusion Activities

  • 1

    Horse Riding

  • 2

    Elephant Riding

  • 3

    Elephant Ride for Sightseeing

  • 4

    Rock Climbing

  • 5

    Mountain Climbing

  • 6

    Abseiling from Mountain/Cliff

  • 7

    Climbing Rope Net

  • 8

    Walking on Rope Bridge

  • 9

    Sky Slider by Rope/Sling

  • 10

    Overnight Trekking/Hiking

  • 11

    Scuba Diving

  • 12

    Free diving

  • 13

    Water Rafting

  • 14

    Mountain Biking