a) Expenses for pregnancy related medical complications (or) childbirth (delivery expenses) are excluded.
b) Any condition or set of circumstances known to an Insured Person at the time the red Trip was booked (pre-existing conditions).
c) Eruptions, atypical cyclonic storms, falling objects from space and aerolites, and in general any extraordinary atmospheric, meteorological,
seismic or geological phenomenon.
d) Events arising from terrorism, mutiny or crowd disturbances.
e) Events or actions of the Armed Forces or Security Forces in peacetime.
f) Wars, with or without prior declaration, and any conflicts or international interventions using force or duress.
g) Those derived from radioactive nuclear energy.
h) Those caused when the Insured takes part in bets, challenges or brawls, save in the case of legitimate defense or necessity.
i) Illness or injuries existing prior to the claim.
j) Those that occur as a result of the participation by the Insured in competitions, sports, and preparatory or training tests.
k) Engaging in the following sports, motor racing or motorcycle racing in any of its modes, big game hunting outside European territory,
underwater diving using artificial lungs, navigation in international waters in craft not intended for the public transport of passengers,
horse riding, climbing, pot holing, boxing, wrestling in any of its modes, martial arts, parachuting, hot air ballooning, free falling, gliding and, in general, any sport or recreational activity that is notoriously dangerous.
l) Participation in competitions or tournaments organized by sporting federations or similar organizations.
m) Skiing and/or similar sports.
n) The use, as a passenger or crew, of means of air navigation not authorized for the public transport of travelers, as well as helicopters.
o) The accidents deemed legally to be work or labor accidents, consequence of a risk inherent to the work performed by the Insured.
p) The services arranged by the Insured on his/her own behalf, without prior communication or without the consent of the Company.
q) Illness or injuries arising from chronic ailments or from those that existed prior to the inception date of the policy.
r) Death as a result of suicide and the injuries or after-effects brought about by attempted suicide.
s) Those derived from illnesses or pathological states caused by the voluntary consumption of alcohol, drugs, toxic substances,
narcotics or medicines acquired without medical prescription, as well as any kind of mental illness or mental imbalance.
t) Those derived from renunciation of or delay, on the part of the Insured or persons responsible for him/her,
in the transfer proposed by the Company and agreed by its medical service and rehabilitation treatments.
u) Prostheses, orthopedic material or thesis and osteosynthesis material, as well as spectacles pregnancy.
v) Those derived from baggage that is not sufficiently well packaged or identified, as well as fragile baggage or perishable products.
w) Assistance or compensation for events that occurred during a trip that had commenced, in any of the following circumstances:-
x) Those derived from pregnancy and childbirth, or for a complication therefore or voluntary termination of Before this insurance comes into force.
i) With the intention of receiving medical treatment.
ii) After the diagnosis of a terminal illness.
iii) Without prior medical authorization, after the Insured had been under treatment or medical supervision during the twelve months prior to the start of the trip.
y) Expenses that arise once the Insured is at his/her usual country of residence, those incurred beyond the scope of application of the guarantees of the insurance.
The company is also exempt of liability when, as a result of force majeure, it is unable to put into effect any of the benefits specifically envisaged in this policy.