This policy should be read carefully, it gives full details of what is and is not covered and the conditions and
exclusion of the cover.
Failure to company with them will prejudice an insured's claim.
1. Nature of coverage: This policy is not a General Health Insurance. Policy Coverage is intended for use by the Insured
in the event of a sudden and unexpected sickness or accident arising when the Insured
is outside of his home country.
2. Pre-Existing Exclusion: This policy does not cover claims for any medical service arising from a pre-existing medical
as defined in this policy document.
3. General Health Exclusion: No claims under this policy will be paid where the insured.
A. Is traveling against the advice of a physician; or
B. Is receiving of on a waiting list for treatment or awaiting the results of medical tests or investigation for medical
treatment declared by a physician; or
C. Is traveling for the purpose of obtaining treatment; or
D. Has received a terminal prognosis for a medical condition.
E. All claims arising directly or indirectly or as a consequence of the Cardio Vascular System and/or Diabetes is
excluded in full for all Insured Persons aged 70 years and over at the time of departure.
The Company reserve the right to repatriate when in the opinion of the doctor in attendance and the Company's
Medical Advisors, the insured is fit to travel.
POLICY LIMIT AND EXCESSES:
This policy has specific limits on the amount the Company will pay.
All claims will be subject to an excess. This means that the Company will not be liable for the first part of the claim.
The amount of the excess has to be paid by the Insured.
This policy is valid for residents of the Republic of Nepal who are 70 years and under at inception.
Area 1: Worldwide including USA and CANADA
Area 2: Worldwide excluding USA and CANADA
Plan A: Medical Expenses + Personal Accident Cover
(A-C of Schedule of Cover)
Plan B: Package Cover
(A-I of Schedule of Cover)
(Selection A & B of Schedule of Cover Only)
Schedule of Cover:
A : Personal Accident
B : Medical and Emergency Expenses
C : Hospital Ancillary Benefit.