EXCLUSIONS

The exclusions set forth are for the protection of our members and to allow International LifeLine™ to continue to offer this high value membership at affordable prices.

International LifeLine™ Memberships excludes incident notifications arising from, or contributed to, by any of the following:

• Any Member traveling or arranging to travel:
  • To obtain medical or convalescent treatment;
  • Against medical advice;
  • After a terminal prognosis has been made and/or contrary to health and safety restriction(s) from an Airline or Carrier;
  • To any country within the Excluded Territories stated previously.
• Criminal acts and/or felonious act of any Member.
• Civil commotions or riots of any kind.
• Any Member taking part in any form of operational duties as a member of the armed forces including as a reservist, volunteer, or mercenary.
• Any sickness, medical or mental condition, injury, illness, chronic or recurring disease suffered, or the undergoing of any planned or recommended medical procedure of a Member which the Member knew about or, in the Underwriter’s reasonable opinion, should have known about at the commencement date of such Member’s membership with International LifeLine™ (Pre-Existing Medical Condition).
• Any Member taking part in or training for:
  • Expeditions, time trials, and/or record attempts
  • Professional sports or riding/driving in any kind of race;
  • Skydiving, skysurfing, hang-gliding, paragliding, or aerobatics. For this latter part and for the avoidance of doubt, we are unable to cover you for any incident in which you tie, strap, hold, harness, or attach yourself in any manner to a sail, kite, chute, wingsuit, or any other method that lifts, propels, moves or supports you either in the air, water, or on the ground.  Licensed ski lifts, tows, and cable cars ARE covered. Licensed private aircraft ARE covered. Sailing vessels ARE covered.
• Negligent and willful exposure to dangerous situations except in an attempt to save human life. This does not exclude reasonable dangers associated with normal activities that a normally prepared person would engage in.
• Inadequate provision or training or competence needed to safely complete the trip being undertaken, as defined by regular participants of stated activity.
• Failure to observe Coast Guard and/or Emergency Services’ instructions, including posted notices and warnings that directly lead to a reported or escalated incident.
• Being under the influence of or being affected by alcohol or drugs, unless under the advice of a doctor for a condition other than alcohol or drug addiction.
• Suicide, attempted suicide, and/or deliberate self-injury, whether of sound mind or not.
• Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or radioactive toxic explosion or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
• A decision not to travel and/or to not continue to travel is not considered a qualifying event.
• A change in financial circumstances(i.e.requesting transportation solely due to theft of funds, credit cards, or airline tickets.) is not considered a qualifying event.
• Failure to obtain a passport, visa, or other necessary travel documentation.
• Any cause, which existed, had started, or had been forecasted or for which advance warning had been given before the trip being undertaken had commenced.
• War or acts of terrorism.
• Engaging in active war.
• The Member is entitled to indemnity or recovery from any other insurance policy.
• Arising from fraud, concealment, or deliberate misstatement by the Member in relation to any matter affecting this Policy or in connection with the making of any incident notification hereunder.

Exclusions applicable to Emergency Medical Evacuation, Emergency Maritime Evacuation, Repatriation, and Medical Expenses costs ONLY:

• Tuberculosis or other chronic airborne pathogens;
• Costs and expenses incurred to transport the property of a Member other than any costs and expenses to transport one small carry-on bag during emergency medical evacuation or repatriation;
• Any treatment not confirmed by a doctor as medically necessary;
• Any additional traveling or accommodation expenses which International LifeLine™ or their appointed Medical Emergency Provider have not authorized if a Member has to return home earlier than planned or be repatriated from a trip;
• Surgery, medical, or preventative treatment, which can be delayed in the opinion of a doctor treating the Member, or the appointed Medical Emergency Provider, until the Member returns home;
• Medication a Member is taking before and which he or she will have to continue to take during a Trip.
• General Medical Expenses but for the existence of this Benefit Program, be provided by any existing Insurance or Similar Scheme in the name of or in relation to the member.

Exclusions applicable to Enforced Political Evacuation ONLY:

• Forming part of а connected series of Insured Events, which commenced before the Period of Insurance shown in the Policy Schedule.
• Directly or indirectly arising out of or in any way involving the deliberate, fraudulent, illegal, malicious, dishonest or criminal act by the Member, whether acting alone or in collusion with others. which directly or indirectly arises out of or in any way involves 
  • any actual or alleged failure of the Member to procure or maintain authorized/official immigrant status and, work, residence or similar visa, permits or other documentation unless the Member can show that such allegations were intentionally false, malicious and made solely and directly to achieve а political, propaganda or coercive effect upon or at the expense of International LifeLine;
  • non-political evacuation from а country within 14 days after issuance of an Evacuation Advisory;
  • persons having travelled to а region at а time when an Evacuation Advisory has been issued in respect of that region;
  • any act or alleged act which would be а criminal offence if committed by the same party in the state where their headquarters are located or their country of residence;
• Comprising or directly or indirectly arising out of or in any way involving any liability to third parties arising from bodily injury, sickness, disease or death of persons or animals or from property damage or any other liability to third parties of whatsoever nature;
• Directly or indirectly arising out of or in any way involving any nuclear radiation or radioactive contamination except for those approved processes or techniques that are approved by appropriate governmental or other applicable regulatory authority;
• Loss or damage be electronic means including but not limited to computer hacking or the introduction of any form of computer virus or corrupting or unauthorized instructions or code or the use of any electromagnetic weapon.
• This exclusion shall not operate to exclude losses (which would otherwise be covered under this Policy) arising from the use of any computer, computer system or computer software program or any other electronic system in the launch and/or guidance system and/or firing mechanism of any weapon or missile.

DEFINITIONS (FOR SECTIONS A – D and F)

Active War – Active participation in a war by a Member who is deemed under English Law to be under instruction from or employed by the armed forces of any country.

Doctor – A Registered Medical Practitioner holding a valid license to practice medicine in a recognized international or domestic body. The doctor cannot be:

1. The Member (of the Qualifying Membership Benefit); or
2. An immediate family member of the Member, as it relates to evaluation of patient symptoms, conditions, or other relative medical information.

Expedition – An organized journey or voyage for a specific purpose; especially but not exclusively for exploration, or for a scientific or military purpose, and organized by a third party or an organized journey requiring a permit:

• Scientific research
• Filming of documentaries
• Nature conservation, charitable and developmental projects
• Military and/or government activities

Hospitalized/Hospitalization – Hospitalized as an inpatient at a Medical Facility on the advice of a Doctor.

Individual Member / Individual Membership – The subscribing individual to the Orbis International LifeLine™ Emergency Medical Evacuation and Medical Repatriation Services.

Medical Emergency Provider – International LifeLine™ authorized medical evacuation and repatriation provider.

Medical Facility – A legally registered establishment for ill or injured persons, which provides (a) medical and surgical treatment; and (b) 24-hour nursing care by registered nurses. This does not include:

• a convalescent, self-care, or rest home;
• a hospital department, which has the role of a convalescent or nursing home;
• a hospice; or
• a mental health hospital.

Member – Any individual who subscribes to the International LifeLine™ Membership (including the MEDEVAC program).

All annual membership periods are for 365 days (1 year) from the start of subscribed membership and are eligible for renewal by the covered member, including the option of setting up an auto-renewal for this membership.

In respect of Individual Membership, a Member will be the sole subscribing individual, however in respect of multiple memberships for family members or friends:

1. Child – Any Member’s (whether the subscribing individual to the Member’s membership or the subscribing individual’s Partner) natural, legally adopted, foster, or stepchild provided that such child is unmarried and under age 19 and permanently living with the member; or up to age 23 if in full-time education. 
2. Partner/Spouse – A Member’s legally married spouse, or registered civil partner under the Civil Partnership Act 2004, who permanently lives with the Member or a person who is permanently living with the Member and has been for at least 6 months and the relationship is in the nature of a marriage even though it has not been legally formalized.

Pre-Existing Medical Condition

• A medical condition for which a Member had received a terminal prognosis by a Doctor when they took out their membership with International LifeLine™ or before the Member’s need for evacuation or repatriation occurred;
• A medical condition for which a Member was awaiting an operation when they took out their membership with International LifeLine™ or before the Member’s need for evacuation or repatriation occurred;
• A medical condition for which a Member had been to a specialist, had a hospital consultation (other than for regular check-ups), had been admitted to a hospital overnight, or had received hospital treatments or investigations during the 3 month period prior to the date they took out their membership with International LifeLine™ or before the Member’s need for evacuation or repatriation occurred;
• Any form of cancer, blood disorder, psychiatric illness, leukemia, tumor, dialysis treatment, transplant, or dementia, from which a Member has suffered or for which a Member has received treatment (other than regular medication) during the 12 months prior to the date when the Member took out their membership with International LifeLine™ or before the Member’s need for evacuation or repatriation occurred;
• Member has received treatment (other than regular medication) during the 12 months prior to the date when the Member took out their membership with International LifeLine™ or before the Member’s need for evacuation or repatriation occurred;
• Any breathing or heart problem for which a Member required hospital treatments during the 12 months prior to the date when they took out their membership with International LifeLine™ or before the Member’s need for evacuation or repatriation occurred;
• A Member being diagnosed as HIV positive or requiring treatment for HIV or any HIV related illness.

Qualifying Event – An incident involving one or more covered Members being admitted as a patient for stabilization or continued care following an incident that occurs more than 99 miles from their place of residence.

Terrorism – An act including, but not limited to, the use or threat of force and/or violence of any person or group(s) of persons, whether acting alone, on behalf of, or in connection with any organization(s) or government(s), committed for political, religious, ideological, or similar purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Trip – Any journey of 99 miles or more from a Member’s permanent residence. This benefit allows the covered individual the ability to travel without any restrictions relating to trip length.

War

• War, invasion, acts of foreign enemies, hostilities or warlike operations(whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power;
• Any act of terrorism; or
• Any act of war or terrorism involving the use of or release of a threat to use any nuclear weapon or device or chemical or biological agent.

DEFINITIONS (FOR SECTION E)

Active War – Active participation in а War by а Member employed by the armed forces of any country.

Extortion – The making of illegal threats either directly or indirectly to a Member to:

a. kill, injure or abduct a Member; or

b. cause physical damage to or loss of Property;

c. persons who then demand a Ransom as a condition of not carrying out such threats.

Kidnap – The actual or alleged illegal taking captive or abduction of one or more Members within the territory specified in the Schedule or Risk Details (as applicable) by persons who then demand a Ransom specifically from the assets of Member as a condition of the release of such captive(s) or abductee(s).

Member – Any person who subscribes to the International LifeLine™ Membership.

Property – Buildings (including fixtures, fittings and other contents), waterborne vessels and aircraft owned or leased by a Member, or for which a Member is legally liable.

Ransom – Cash and/or marketable goods or services surrendered or to be surrendered by or on behalf of a Covered Person to meet a Kidnap or Extortion demand

War – War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to or uprising, military or usurped power; or any Act of Terrorism or any act of war or Act of Terrorism involving the use of or release of а threat to use any nuclear weapon or device or chemical or biological agent.

As part of the International LifeLine™ Program, the Medical Evacuation & Repatriation benefit is a prepaid private Medical Evacuation Membership program and is not an insurance plan, travel insurance policy nor healthcare plan and, therefore, International LifeLine™ will not reimburse members for any expenses they incur on their own.

The International LifeLine™ Political Evacuation and Kidnap & Extortion Resolution benefits are prepaid private Political Evacuation and Kidnap and Extortion Resolution programs and, therefore, International LifeLine™ will not reimburse members for any expenses they incur on their own.

If you have any questions about the terms and conditions, please contact our Customer Support team by emailing them at info@internationallifeline.com

The International LifeLine™ Membership Benefit Products and Services are underwritten for Orbis Travel Safety Limited by Certain Underwriters at Lloyd’s. These policies indemnify International LifeLine™ in respect of benefits provided to International LifeLine™ members.  

Terms and Conditions Are Subject To Change.