We Will Not Under Any Section Pay For

Claims for costs or expenses incurred outside the period of insurance.
Claims involving air travel other than as a passenger on a fully licensed passenger carrying aircraft operated by an airline or an air charter company.
Claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
Claims arising directly or indirectly from any nuclear reaction or contamination, ionising rays or radioactivity.
Loss or damage caused by detention, confiscation or destruction by customs or other officials or authorities.
Claims arising from 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.
Claims arising from any government prohibition, regulation or intervention.
Claims under Sections 3 or Section 4 in respect of any costs or expenses incurred prior to you being certified by a medical practitioner as unfit to travel.
Claims in respect of travel booked or undertaken against the advice of any medical adviser or after your terminal illness had been diagnosed. This exclusion will be waived from the time the appropriate additional amount payable has been received by us if cover is separately applied for and accepted by us in respect of your terminal illness.
Claims arising from loss or theft or damage to property, or death, illness or bodily injury if you fail to take reasonable care.
Claims arising directly or indirectly from Human Immunodeficiency Virus (HIV), Acquired Immune Deficiency Syndrome (AIDS) or any derivative of either. This exclusion will be waived when cover is separately applied for by you in respect of your or your travelling companion’s condition/s from the time we accept your application and the appropriate additional amount payable has been paid to us.
Claims directly or indirectly arising from, or exacerbated by, any Existing Medical Condition:
a) You or your travelling companion has. This exclusion will be waived;
      (i) if you satisfy the provisions set out under the heading “Conditions We Automatically   Cover For Free”; or
      (ii) from the time the appropriate additional amount payable has been received by us in respect of conditions which require extra premium but can be covered without specific approval by us; or
     (iii) from the time the appropriate additional amount payable has been received by us in respect of the Existing Medical Conditions for which cover is separately applied for and accepted by us and for which special conditions, limits and excesses may apply if we notify you in writing.
b) Of your relative, business partner or of any other person who is known to you prior to the relevant time, unless you purchased a Plan I and the person is hospitalised or dies in Australia after the relevant time and at the relevant time the chance of a claim occurring is highly unlikely. In any event, we will not pay more than $4,000 under all sections of the policy combined.
Claims directly or indirectly arising from:
a) Pregnancy involving you or any other person if you are aware of the pregnancy prior to the Relevant Time and,
(i) where complications of this pregnancy or any previous pregnancy have occurred prior to this time; or
(ii) where the conception was medically assisted. This exclusion will be waived from the time the appropriate additional amount payable has been received by us if cover is separately applied for and
accepted by us in respect of your pregnancy only; or
b) Pregnancy involving you or any other person after the 26th week of pregnancy; or
c) Pregnancy involving you or any other person where the problem arising is not an unexpected serious medical complication; or
d) Childbirth or the health of a newborn child whatever the proximate cause of the claim is. This exclusion applies irrespective of the stage of pregnancy at which the child is born.
Claims involving your suicide, attempted suicide, self inflicted injury or condition, stress, travel exhaustion, the effect of, or chronic use of, alcohol or drugs or the transmission of any sexually transmittable disease or virus.
Claims directly or indirectly arising from your anxiety, depression or mental or nervous disorders. This exclusion will be waived when cover is separately applied for by you in respect of your condition/s, from the time we accept your application and the appropriate additional amount payable has been paid to us.
Claims involving participation by you or your travelling companion in hunting, racing (other than on foot), polo playing, hang gliding, off-piste snow skiing or snowboarding, rodeo riding, BASE jumping, sports activities in a professional capacity, mountaineering or rock climbing using ropes or guides, scuba diving unless you hold an Open Water Diving Certificate or are diving with a qualified diving instructor.
Claims involving participation by you (during the journey) in motorcycling for any purpose. This exclusion, but not any other exclusion, will be waived from the time the appropriate additional amount payable has been received by us, provided you are wearing a helmet, the motorcycle has an engine capacity of 200cc or less and whilst in control of a motorcycle, you hold a licence valid in the relevant country.
Claims involving consequential loss of any kind including loss of enjoyment or any financial loss not specifically covered in the policy.
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 Amount Payable.
Claims under sections Amendment or Cancellation Costs, Travel Delays and Special Events arising from the 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.
Claims under Sections Travel Services Provider Insolvency, Amendment or Cancellation Costs, Travel Delays and Special Events arising directly or indirectly from an Act Of Terrorism or the threat or perceived threat of an Act Of Terrorism.
Losses for which insurance is prohibited by law.
Claims under Sections Additional Expenses (sub-sections Luggage and Travel Documents), Amendment or Cancellation Costs, Travel Delays and Special Events arising from Avian Influenza (including the H5N1 strain) or any derivative or mutation of such viruses, or the threat or perceived threat of any of the above.
Claims arising directly or indirectly from complications following elective surgery.
Claims involving participation by you (during the journey) in on-piste snow skiing or snowboarding. This exclusion, but not any other exclusion, will be waived from the time the appropriate additional amount payable has been received by us.
Claims involving you travelling (during the journey) in international waters in a private sailing vessel or a privately registered vessel.