IMPORTANT POINTS

This policy should be read carefully, it gives full details of what is and is not covered and the conditions and exclusions of the cover. Failure to comply with them will prejudice an insured's claim.

Health Conditions:

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 services arising from a pre-existing medical condition as defined in this policy 3. General Health Exclusion: No claims under the policy will be paid where the Insured:

a. is travelling against the advice of a physician; or   b. is receiving or on a waiting list for treatment or awaiting the results of medical tests or investigations for medical treatment declared by a physician; or   c. is travelling for the purpose of obtaining treatment; or   d. has received a terminal prognosis for a medical condition.

Repatriation:

The Insurer reserve the right to repatriate when in the opinion of the doctor in attendance and the Insurer's Medical Advisors, the insured is fit to travel.

Policy limit and Excesses:

This policy has specific limits on the amount the Insurers will pay. All claims will be subject to an excess. This means that the Insurers will not be liable for the first part of the claim. The amount of the excess has to be paid by the Insured.

Eligibility:

This policy is valid for residents of the kingdom of Nepal who are 70 years and under at inception.