This Insurance shall indemnify for sudden accident in consequence of death or bodily injury or illness and arising costs to the Insured at the commencement of any trip during the Period of Insurance.
The Insurer shall not be liable for:
- Any claim, if the Insured are travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment,
- The cost of any elective or non-emergency treatment not directly related to the Sickness or Bodily Injury which necessitates the Insured’s admittance into a hospital,
- Strike or industrial action, riot, civil commotion, or adverse weather conditions which has commenced or has been announced before the date of buying this insurance.