JS Insurance Elect - Silver

SECTION A - EMERGENCY MEDICAL EXPENSES AND REPATRIATION
SPECIAL CONDITION: In the event of your death, you incurring medical expenses in excess of £250, or your
being involved in an accident, being admitted to hospital, or curtailing for medical reasons, the Assistance Company must be advised as soon as possible and liability shall only attach for expenses agreed by them. Failure to notify the Assistance Company will prejudice the Insurer and will result in the Insurer's non-acceptance of liability of such claims.
What You Are Covered For: The Insurer will reimburse you up to the amount shown in the Schedule of Benefits in respect of the following expenses necessarily incurred as a result of you sustaining accidental bodily injury, becoming ill or your death: Emergency Medical Expenses
(a) cost of medical, surgical or hospital treatment. The Insurer reserves the right to repatriate when, in the opinion of the doctor in attendance and the Insurers medical advisors, the Insured is fit to travel.
(b) (including emergency dental treatment up to the amount stated in the Schedule of Benefits for the immediate relief of pain only)
(c) cost of transporting your remains to the United Kingdom or the Republic of Ireland, or the reasonable cost of a funeral in the country where death occurs, if other than your usual country of residence, up the amount stated in the Schedule of Benefits
(d) reasonable additional transportation and accommodation costs incurred by you and any one of your travelling companions, as a result of you receiving medical advice from the doctor in attendance and the Insurers medical advisors that your originally planned return journey to the United Kingdom or the Republic of Ireland is impossible due to medical reasons. (Payment shall be based upon the average cost of transportation and accommodation incurred prior to the originally planned return date, at the Insurers discretion). Emergency Repatriation The cost of return to the United Kingdom or the Republic of Ireland of an injured or sick Insured by medically appropriate means where, in the opinion of the Insurers medical advisors, such return is all medically necessary.
What You Are Not Covered For: In addition to the General Exclusions of the policy, the Insurer shall not be responsible for: 1. the excess as shown in the Schedule of Benefits; 2. claims arising directly or indirectly as a result of a pre-existing medical condition of you or your travelling companion, unless declared to and agreed by the Medical Screening Company in writing, with any required additional premium paid and/or amendments to policy conditions; 3. claims arising if you: (i) are travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment; or
(ii) are on a hospital waiting list or awaiting the results of medical investigations; or
(iii) have received a terminal prognosis at the date of application; (iv) are undergoing dialysis treatment; (v) are suffering from any psychological or mental disorder. 4. claims arising for treatment or surgery which, in the opinion of the Insurers medical advisors, is not essential or can reasonably be delayed until your return home; 5. claims arising from the additional costs of single or private hospital room accommodation;
6. claims arising from medical treatment of any kind received after you have returned to or have been repatriated to the United Kingdom or the Republic of Ireland; 7. claims arising from medical treatment of any kind if you are a resident of & travelling within the United Kingdom;
8. claims arising from medical treatment of any kind if you are a resident of & travelling within the Republic of Ireland;
9. claims arising directly or indirectly from pregnancy, other than complications of pregnancy occurring prior to the twenty eight week;
10. claims arising from medical treatment of any kind not authorised at the time by a recognized registered medical practitioner.
11. claims arising from medical treatment of any kind occurring after you have refused the offer of repatriation when, in the opinion of the doctor in attendance and the Insurers medical advisors, you are fit to travel; 12. claims arising in respect of elective medical treatment, physiotherapy treatment and other associated therapies.
13. claims arising out of your failure to contact the Assistance Company.
14. any costs incurred under the Medical Expenses section of cover should You refuse or fail to take our repatriation options to return Home on Your planned scheduled flight. The Insurer will not be liable for any costs incurred after the date You receive confirmation from the treating doctor that You are fit to Travel Home and fail to take our repatriation options or return Home, whichever happens first.
15. any taxi fares incurred in the course of your medical emergency claim
CONDITION: Should you require medical treatment in Australia, you should enrol with MEDICARE. It is not necessary to enrol on arrival. You can simply do this at the first occasion on which you receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge. Should you be admitted to hospital then immediate contact must be made with the Assistance Company and their authority obtained in respect of any treatment NOT available under MEDICARE before such treatment is provided.

SECTION B - PERSONAL ACCIDENT
What You Are Covered For: The Insurer will pay you or your estate the sum insured as shown in the Schedule of Benefits for one of the following Losses resulting from an external accident sustained by your: death, Loss of limb(s), Loss of sight or permanent total disablement. Loss must occur within 180 days of the date of accident. No benefits shall be paid for more than one Loss suffered.
What You Are Not Covered For: In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. Any benefit where your death, injury or loss does not occur within 180 days of the accident
2. Any benefit as a result of participating in a hazardous sport or leisure activity, unless you have paid the additional premium prior to travel, for that specific hazardous activity and cover is confirmed on your certificate
3. Any benefit if you cannot prove to the Insurer that the permanent total disablement has continued for 12 months from the date of the injury and in all probability will continue for the remainder of your life
4. More than one lump sum under this section.

SECTION A - EMERGENCY MEDICAL EXPENSES AND REPATRIATION
SPECIAL CONDITION: In the event of your death, you incurring medical expenses in excess of £250, or your
being involved in an accident, being admitted to hospital, or curtailing for medical reasons, the Assistance Company must be advised as soon as possible and liability shall only attach for expenses agreed by them. Failure to notify the Assistance Company will prejudice the Insurer and will result in the Insurer's non-acceptance of liability of such claims.
What You Are Covered For: The Insurer will reimburse you up to the amount shown in the Schedule of Benefits in respect of the following expenses necessarily incurred as a result of you sustaining accidental bodily injury, becoming ill or your death: Emergency Medical Expenses
(a) cost of medical, surgical or hospital treatment. The Insurer reserves the right to repatriate when, in the opinion of the doctor in attendance and the Insurers medical advisors, the Insured is fit to travel.
(b) (including emergency dental treatment up to the amount stated in the Schedule of Benefits for the immediate relief of pain only)
(c) cost of transporting your remains to the United Kingdom or the Republic of Ireland, or the reasonable cost of a funeral in the country where death occurs, if other than your usual country of residence, up the amount stated in the Schedule of Benefits
(d) reasonable additional transportation and accommodation costs incurred by you and any one of your travelling companions, as a result of you receiving medical advice from the doctor in attendance and the Insurers medical advisors that your originally planned return journey to the United Kingdom or the Republic of Ireland is impossible due to medical reasons. (Payment shall be based upon the average cost of transportation and accommodation incurred prior to the originally planned return date, at the Insurers discretion). Emergency Repatriation The cost of return to the United Kingdom or the Republic of Ireland of an injured or sick Insured by medically appropriate means where, in the opinion of the Insurers medical advisors, such return is all medically necessary.
What You Are Not Covered For: In addition to the General Exclusions of the policy, the Insurer shall not be responsible for: 1. the excess as shown in the Schedule of Benefits; 2. claims arising directly or indirectly as a result of a pre-existing medical condition of you or your travelling companion, unless declared to and agreed by the Medical Screening Company in writing, with any required additional premium paid and/or amendments to policy conditions; 3. claims arising if you: (i) are travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment; or
(ii) are on a hospital waiting list or awaiting the results of medical investigations; or
(iii) have received a terminal prognosis at the date of application; (iv) are undergoing dialysis treatment; (v) are suffering from any psychological or mental disorder. 4. claims arising for treatment or surgery which, in the opinion of the Insurers medical advisors, is not essential or can reasonably be delayed until your return home; 5. claims arising from the additional costs of single or private hospital room accommodation;
6. claims arising from medical treatment of any kind received after you have returned to or have been repatriated to the United Kingdom or the Republic of Ireland; 7. claims arising from medical treatment of any kind if you are a resident of & travelling within the United Kingdom;
8. claims arising from medical treatment of any kind if you are a resident of & travelling within the Republic of Ireland;
9. claims arising directly or indirectly from pregnancy, other than complications of pregnancy occurring prior to the twenty eight week;
10. claims arising from medical treatment of any kind not authorised at the time by a recognized registered medical practitioner.
11. claims arising from medical treatment of any kind occurring after you have refused the offer of repatriation when, in the opinion of the doctor in attendance and the Insurers medical advisors, you are fit to travel; 12. claims arising in respect of elective medical treatment, physiotherapy treatment and other associated therapies.
13. claims arising out of your failure to contact the Assistance Company.
14. any costs incurred under the Medical Expenses section of cover should You refuse or fail to take our repatriation options to return Home on Your planned scheduled flight. The Insurer will not be liable for any costs incurred after the date You receive confirmation from the treating doctor that You are fit to Travel Home and fail to take our repatriation options or return Home, whichever happens first.
15. any taxi fares incurred in the course of your medical emergency claim
CONDITION: Should you require medical treatment in Australia, you should enrol with MEDICARE. It is not necessary to enrol on arrival. You can simply do this at the first occasion on which you receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge. Should you be admitted to hospital then immediate contact must be made with the Assistance Company and their authority obtained in respect of any treatment NOT available under MEDICARE before such treatment is provided.

SECTION A - EMERGENCY MEDICAL EXPENSES AND REPATRIATION
SPECIAL CONDITION: In the event of your death, you incurring medical expenses in excess of £250, or your
being involved in an accident, being admitted to hospital, or curtailing for medical reasons, the Assistance Company must be advised as soon as possible and liability shall only attach for expenses agreed by them. Failure to notify the Assistance Company will prejudice the Insurer and will result in the Insurer's non-acceptance of liability of such claims.
What You Are Covered For: The Insurer will reimburse you up to the amount shown in the Schedule of Benefits in respect of the following expenses necessarily incurred as a result of you sustaining accidental bodily injury, becoming ill or your death: Emergency Medical Expenses
(a) cost of medical, surgical or hospital treatment. The Insurer reserves the right to repatriate when, in the opinion of the doctor in attendance and the Insurers medical advisors, the Insured is fit to travel.
(b) (including emergency dental treatment up to the amount stated in the Schedule of Benefits for the immediate relief of pain only)
(c) cost of transporting your remains to the United Kingdom or the Republic of Ireland, or the reasonable cost of a funeral in the country where death occurs, if other than your usual country of residence, up the amount stated in the Schedule of Benefits
(d) reasonable additional transportation and accommodation costs incurred by you and any one of your travelling companions, as a result of you receiving medical advice from the doctor in attendance and the Insurers medical advisors that your originally planned return journey to the United Kingdom or the Republic of Ireland is impossible due to medical reasons. (Payment shall be based upon the average cost of transportation and accommodation incurred prior to the originally planned return date, at the Insurers discretion). Emergency Repatriation The cost of return to the United Kingdom or the Republic of Ireland of an injured or sick Insured by medically appropriate means where, in the opinion of the Insurers medical advisors, such return is all medically necessary.
What You Are Not Covered For: In addition to the General Exclusions of the policy, the Insurer shall not be responsible for: 1. the excess as shown in the Schedule of Benefits; 2. claims arising directly or indirectly as a result of a pre-existing medical condition of you or your travelling companion, unless declared to and agreed by the Medical Screening Company in writing, with any required additional premium paid and/or amendments to policy conditions; 3. claims arising if you: (i) are travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment; or
(ii) are on a hospital waiting list or awaiting the results of medical investigations; or
(iii) have received a terminal prognosis at the date of application; (iv) are undergoing dialysis treatment; (v) are suffering from any psychological or mental disorder. 4. claims arising for treatment or surgery which, in the opinion of the Insurers medical advisors, is not essential or can reasonably be delayed until your return home; 5. claims arising from the additional costs of single or private hospital room accommodation;
6. claims arising from medical treatment of any kind received after you have returned to or have been repatriated to the United Kingdom or the Republic of Ireland; 7. claims arising from medical treatment of any kind if you are a resident of & travelling within the United Kingdom;
8. claims arising from medical treatment of any kind if you are a resident of & travelling within the Republic of Ireland;
9. claims arising directly or indirectly from pregnancy, other than complications of pregnancy occurring prior to the twenty eight week;
10. claims arising from medical treatment of any kind not authorised at the time by a recognized registered medical practitioner.
11. claims arising from medical treatment of any kind occurring after you have refused the offer of repatriation when, in the opinion of the doctor in attendance and the Insurers medical advisors, you are fit to travel; 12. claims arising in respect of elective medical treatment, physiotherapy treatment and other associated therapies.
13. claims arising out of your failure to contact the Assistance Company.
14. any costs incurred under the Medical Expenses section of cover should You refuse or fail to take our repatriation options to return Home on Your planned scheduled flight. The Insurer will not be liable for any costs incurred after the date You receive confirmation from the treating doctor that You are fit to Travel Home and fail to take our repatriation options or return Home, whichever happens first.
15. any taxi fares incurred in the course of your medical emergency claim
CONDITION: Should you require medical treatment in Australia, you should enrol with MEDICARE. It is not necessary to enrol on arrival. You can simply do this at the first occasion on which you receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge. Should you be admitted to hospital then immediate contact must be made with the Assistance Company and their authority obtained in respect of any treatment NOT available under MEDICARE before such treatment is provided.

SECTION A - EMERGENCY MEDICAL EXPENSES AND REPATRIATION
SPECIAL CONDITION: In the event of your death, you incurring medical expenses in excess of £250, or your
being involved in an accident, being admitted to hospital, or curtailing for medical reasons, the Assistance Company must be advised as soon as possible and liability shall only attach for expenses agreed by them. Failure to notify the Assistance Company will prejudice the Insurer and will result in the Insurer's non-acceptance of liability of such claims.
What You Are Covered For: The Insurer will reimburse you up to the amount shown in the Schedule of Benefits in respect of the following expenses necessarily incurred as a result of you sustaining accidental bodily injury, becoming ill or your death: Emergency Medical Expenses
(a) cost of medical, surgical or hospital treatment. The Insurer reserves the right to repatriate when, in the opinion of the doctor in attendance and the Insurers medical advisors, the Insured is fit to travel.
(b) (including emergency dental treatment up to the amount stated in the Schedule of Benefits for the immediate relief of pain only)
(c) cost of transporting your remains to the United Kingdom or the Republic of Ireland, or the reasonable cost of a funeral in the country where death occurs, if other than your usual country of residence, up the amount stated in the Schedule of Benefits
(d) reasonable additional transportation and accommodation costs incurred by you and any one of your travelling companions, as a result of you receiving medical advice from the doctor in attendance and the Insurers medical advisors that your originally planned return journey to the United Kingdom or the Republic of Ireland is impossible due to medical reasons. (Payment shall be based upon the average cost of transportation and accommodation incurred prior to the originally planned return date, at the Insurers discretion). Emergency Repatriation The cost of return to the United Kingdom or the Republic of Ireland of an injured or sick Insured by medically appropriate means where, in the opinion of the Insurers medical advisors, such return is all medically necessary.
What You Are Not Covered For: In addition to the General Exclusions of the policy, the Insurer shall not be responsible for: 1. the excess as shown in the Schedule of Benefits; 2. claims arising directly or indirectly as a result of a pre-existing medical condition of you or your travelling companion, unless declared to and agreed by the Medical Screening Company in writing, with any required additional premium paid and/or amendments to policy conditions; 3. claims arising if you: (i) are travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment; or
(ii) are on a hospital waiting list or awaiting the results of medical investigations; or
(iii) have received a terminal prognosis at the date of application; (iv) are undergoing dialysis treatment; (v) are suffering from any psychological or mental disorder. 4. claims arising for treatment or surgery which, in the opinion of the Insurers medical advisors, is not essential or can reasonably be delayed until your return home; 5. claims arising from the additional costs of single or private hospital room accommodation;
6. claims arising from medical treatment of any kind received after you have returned to or have been repatriated to the United Kingdom or the Republic of Ireland; 7. claims arising from medical treatment of any kind if you are a resident of & travelling within the United Kingdom;
8. claims arising from medical treatment of any kind if you are a resident of & travelling within the Republic of Ireland;
9. claims arising directly or indirectly from pregnancy, other than complications of pregnancy occurring prior to the twenty eight week;
10. claims arising from medical treatment of any kind not authorised at the time by a recognized registered medical practitioner.
11. claims arising from medical treatment of any kind occurring after you have refused the offer of repatriation when, in the opinion of the doctor in attendance and the Insurers medical advisors, you are fit to travel; 12. claims arising in respect of elective medical treatment, physiotherapy treatment and other associated therapies.
13. claims arising out of your failure to contact the Assistance Company.
14. any costs incurred under the Medical Expenses section of cover should You refuse or fail to take our repatriation options to return Home on Your planned scheduled flight. The Insurer will not be liable for any costs incurred after the date You receive confirmation from the treating doctor that You are fit to Travel Home and fail to take our repatriation options or return Home, whichever happens first.
15. any taxi fares incurred in the course of your medical emergency claim
CONDITION: Should you require medical treatment in Australia, you should enrol with MEDICARE. It is not necessary to enrol on arrival. You can simply do this at the first occasion on which you receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge. Should you be admitted to hospital then immediate contact must be made with the Assistance Company and their authority obtained in respect of any treatment NOT available under MEDICARE before such treatment is provided.

SECTION C - PERSONAL LIABILITY
What You Are Covered For: The Insurer will indemnify you up to the amount as shown in the Schedule of Benefits for the legal liability of the Insured for accidental injury to third parties and/or accidental damage to their property within the territorial limits of their policy. This cover is applicable only in respect of liability under the law of the country in which the event giving rise to the claim occurred, or under United Kingdom or Republic of Ireland law, (whichever is applicable to the case in point).
What You Are Not Covered For: In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the excess for damage to property as shown in the Schedule of Benefits;
2. claims arising directly or indirectly from, happening through or in consequence of:
(i) employer's liability, contractual liability, or liability to a member of your family or your travelling companion;
(ii) animals belonging to, or in the care, custody or control of the Insured;
(iii) wilful, malicious or unlawful acts or the use of firearms;
(iv) the pursuit of trade, business or profession;
(v) ownership or occupation of land or buildings (other than your temporary trip accommodation); or (vi) the influence of intoxicating liquor or drugs; 3. claims arising directly or indirectly from, happening through or in consequence of ownership, possession or use of any vehicle, automobile, aircraft, watercraft, or any mechanically propelled conveyance; 4. claims for legal fees and costs resulting from any criminal proceedings. 5. any claim where you have cover under another insurance policy
SPECIAL NOTE:
No liability shall be admitted and no admission, arrangement, offer, promise or payment shall be made by the Insured without the written consent of the Insurer, who shall be entitled, if they so desire, to take over and conduct, in the name of the Insured, their defence of any claim or to prosecute for their own benefit any claims for indemnity, damages or otherwise against any third party. The Insurer shall have full discretion in the conduct of any negotiations, proceedings, or the settlement of any claims and the Insured shall, wherever possible, give all such information and assistance as the Insurer may require.

EXCLUSIONS APPLICABLE TO ALL SECTIONS OF THE INSURANCE
In addition to the General Exclusions of the policy, the Insurer shall not be responsible claims arising:
1. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim:
i). act of terrorism
ii). war, invasion or warlike operations (whether war be declared or not), hostile of sovereign or government entities, civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, or usurped power or martial law or confiscation by order of any government public authority; or
iii). seizure or illegal occupation; or
iv). confiscation, requisition, detention, legal or illegal occupation, embargo, quarantine or any result of any order of public or government authority which deprives you of the use or value of your property, nor for loss or damage from acts of contraband or illegal transportation or illegal trade; or
v). discharge of pollutants or contaminants, which pollutants and contaminants include but are not limited to any solid, liquid, gaseous or thermal irritant, contaminant or toxic or hazardous substance or any substance the presence, existence or release of which endangers or threatens to endanger the health, safety or welfare of persons or the environment; or
vi). chemical or biological release or exposure of any kind: or
vii). attacks by electronic means including computer hacking or the introduction form of computer virus; or
vii). threat or hoax, in the absence of physical damage due to an act of terrorism;
viii). any action taken in controlling, preventing, suppressing or in any way relating any act of terrorism
2. from loss or destruction of, or damage to any property whatsoever, or any loss expense whatsoever resulting in or arising therefrom, or any consequential loss legal liability of whatsoever nature, directly or indirectly caused by or contributed arising from:
(a) ionising radiation or contamination by radioactivity from any nuclear fuel any nuclear waste from the combustion of nuclear fuel; or
(b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof;
3. from you engaging in any illegal or criminal act;
4. from any consequential loss whatsoever. Claims shall only be paid for those losses which are specifically stated under the terms of this insurance;
5. directly or indirectly out of your financial incapacity, except in the circumstance redundancy;
6. which but for the existence of this insurance, would be covered under any other insurance policy(ies), including any amounts recovered by you from private health insurance, EHIC Card payments, any reciprocal health agreements, airlines, hotels, home contents Insurers or any other recovery by you which is the basis of a claim;
7. from the tour operator, airline or any other company, firm or person either becoming insolvent or being unable or unwilling to fulfil any part of their obligation.
8. from any hazardous activity including but not limited to all wintersports (except an appropriate premium has been paid)
9. from Suicide or attempted suicide or wilful exposure to danger (except in an attempt save human life), psychological and/or mental disorder, anxiety, stress or depression, venereal infection or the influence of or in connection with the use of alcohol unless as prescribed by a treating doctor;
10. from you being in or entering or descending from an aircraft other than a fully licenced passenger carrying aircraft you are travelling as a passenger other than as a of the crew and not for the purpose of undertaking any trade or technical operation therein or thereon;
11. from your wilful exposure to a peril. you must exercise reasonable care to prevent illness, injury or loss or damage of his property as if uninsured;
12. directly or indirectly from you being engaged in any manual employment after commencement of the trip;
13. which have not been proven and the amount thereof substantiated.
14. wilful exposure to areas known to be infected with:
a) Severe Acute Respiratory Syndrome (S.A.R.S)
b) Avian Influenza, Asian Bird Flu, and / or H5N1
c) Or any other Influenza A virus of epidemic or pandemic proportions.

EXCLUSIONS APPLICABLE TO ALL SECTIONS OF THE INSURANCE
In addition to the General Exclusions of the policy, the Insurer shall not be responsible claims arising:
1. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim:
i). act of terrorism

EXCLUSIONS APPLICABLE TO ALL SECTIONS OF THE INSURANCE
In addition to the General Exclusions of the policy, the Insurer shall not be responsible claims arising:
1. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim:
i). act of terrorism

CONDITIONS APPLICABLE TO ALL SECTIONS OF THE INSURANCE
1. All material facts must be disclosed to the Insurer at the time of taking out this Insurance. Failure to do so may result in the Insurers non-liability for claims. A material fact is any fact known to you which is likely to influence the Insurers in the acceptance or assessment of the insurance. If you are in any doubt as to whether a fact is 'material' then for your own protection it should be disclosed. All information
provided in purchasing this insurance shall form the basis of the contract. The Insured should keep a record (including copies of letters) of all information provided by Insure for Travel for the purpose of entering into this contract.
2. You must tell your agent as soon as possible about any change in risk which affects your policy, including if you, a person you are travelling with, a close business associate or
relative receiving confirmation of a medical condition or currently being under medical investigation, change in the sporting or leisure activities you intend to participate in during your trip or additional person(s) to be insured under the policy. The insurer has the right to reassess your policy and premium after you have advised your agent of any relevant information. If you do not advise your agent of all the relevant information, the insurer may quote the wrong terms, reject or reduce your claim, or your policy may become invalid. 3. You must be in the United Kingdom or Ireland at the time of taking out this policy and intend
to return to the United Kingdom or Ireland within the trip duration, unless you have arranged a one-way trip. 4. All Certificates, information and evidence required by the Insurer shall be furnished at
your expense or your legal personal representatives and shall be in such form and of such nature as the Insurer may prescribe. You shall as often as required submit to a medical
examination on behalf of the Insurer at the Insurers expense.
5. In the event of your death, the Insurer shall be entitled to have a post-mortem examination at our own expense. 6. Any items which become the subject of a claim for loss or damage shall be retained for Insurer inspection and shall be forwarded to their agents upon request at the expense of you or your legal personal representatives. All such items shall become the property of the Insurer following final settlement of the claim.
7. In the event of any occurrence which may give rise to a claim under this insurance, you shall take all reasonable steps to minimise any loss arising out of such claim.
8. This insurance is non-transferable. Should the trip be cancelled prior to departure for any reason whatsoever other than those set out in the Cancellation section of the policy then the insurance cover terminates immediately and the premium is neither apportionable nor refundable.
9. The Insurer and the Insured are entitled to choose the law applicable to the insurance contract. The Insurer chooses English law and, in the absence of any agreement to the contrary, English law shall apply. 10. The Insurer, at its own expense, may take proceedings in your name to recover compensation or secure an indemnity from any third party in respect of any loss or damage covered by this insurance and any amount so recovered shall belong to the Insurer.
11. In the event that the you recover by any means, damages from any third party in respect of personal accident, all benefits paid to you shall be repaid to the Insurer.
12. If any fraudulent claim is made or if any fraudulent means or devices are used to obtain any benefit under this policy, all benefits thereunder shall be forfeited as well as all premiums paid.
13. The insurer will not consider any claim where you:
- have failed to disclose a material fact to your agent, or
- have a pre-existing medical condition; or
- have disclosed a material fact to your agent and have not paid the additional premium that was required by the insurer before your trip departure date.
- are travelling against medical advice.
14. Whilst participating in any hazardous sport or activity, you must take reasonable care at all times to ensure your own safety and the safety of those around you. Such reasonable care involves following the directions of any instructor and (or) expedition leader and following the normal and reasonable safety procedures suggested or recommended by the recognised controlling body of the sport or activity concerned, or the safety procedures commonly exercised in pursuing the sport or activity in question at all times.
15. Any items which become the subject of a claim for damage, must be retained for the insurer's inspection and shall be forwarded to their Agent's upon request at your or your legal personal representative's expense. All such items shall become the property of the insurer following final settlement of the claim.
16. You must notify the Assistance Company of claims under Section A Emergency Medical Expenses and Repatriation and Section G Curtailment.
Please refer to SPECIAL CONDITIONS under section A and G for full details. Failure to notify the
Assistance Company will result in the non-acceptance of such claims.

POLICY EXCESSES Under most sections of the policy, claims will be subject to an excess per insured per section of Any cover. This means that you will be responsible for the first part of the claim. If you claim under word defined below will have the same meaning wherever it is shown in your policy in bold print. more than one section of the policy, you will have to pay an excess for each section.