Exclusions

We offer a comprehensive COVID-19 package, but here are some of the major exclusions* you should know about:

1. A pre-existing condition including any injury or sickness for which an Insured Person or their Dependent (if applicable) received consultation, medical treatment, diagnosis, care, or service; or took prescribed drugs or medicine, prior to the effective date of insurance. Benefits won't be paid under the Policy and supplementary contracts for pre-existing conditions unless included under “Underlying Illness” benefit.
2. The Insured Person was diagnosed COVID-19 Positive prior to the effective date of insurance.
3. Any treatment for injury or sickness not related to COVID-19 unless provided under the “Underlying Illness” benefit.
4. Any cost related to or as a result of any quarantine or isolation whether or not required by the Government and/ or Ministry of Health Cambodia and/or any authorized body.
5. Injuries or sickness arising directly from war, declared or undeclared, or any warlike operation, strike, riots, civil commotion, invasion, nuclear or chemical contamination, terrorist acts, acts of foreign enemy, hostilities, rebellion, revolution, insurrection or military or usurped power, or from full-time military, naval or air services except national services reservist duty or training.
6. Injuries and/or Illnesses and/or any costs resulting or arising from or occurring during the commission or perpetration of a violation of law by an Insured Person; All self-inflicted Illnesses or Injuries, suicide or attempted suicide, while sane or insane.

*Please refer to the policy wording for the full terms and conditions.