French Language Immersion

Outdoor markets in Nice

Language Exchange

Special exclusions to Benefit A (Medical Expenses)

This insurance does not cover medical expenses arising out of or in any way connected with:

1. Vaccinations;

2. Optical prescriptions;

3. Routine medical treatment and any routine check-ups whether for pregnancy or not;

4. Physiotherapy treatment, unless strictly necessary and prescribed by a Doctor;

5. Chiropractic, osteopath or acupuncture treatment;

6. Treatment in a private hospital if it is practical and medically advisable that treatment can be provided in a ward of a public hospital.

1. mechanically propelled vehicles, caravans, trailers, trailer tents, aircraft or watercraft;

2. bodily injury to any person employed by the Insured arising out of or in the course of the employment;

3. loss of or damage to property belonging to the Insured or held in trust by the Insured or in the Insured's custody or control;

4. any wilful act by the Insured;

5. any profession, trade or business, or practical work in connection with study;

6. any agreement entered into by the Insured or to which the Insured is a party, except where he/she would have incurred the liability even if the agreement had not existed;

7. any action not brought under the jurisdiction of Courts in the Home Country or the Courts of the country where the incident giving rise to the claim occurred;

8. death of, bodily injury to or illness of a person who is the Insured's Close Relative, travelling companion or a member of the Insured's household, or damage to their property;

9. the use and/or ownership of weapons;

• Any process of cleaning, dyeing, repair, alteration or restoration;

• Cash, treasury notes, bank notes and stamps, securities for Money or goods of any kind (including travellers cheques), motor vehicles, watercraft and/or accessories, each property carried in connection with any business, profession or trade;

• Bicycles, travel documents (including tickets);

• Loss or damage resulting from any heating process which is not coupled with fire.

• Wear and tear, depreciation, moth or vermin, mechanical or electrical breakdown or any gradually operating cause (like humidity, extreme cold or heat);

• Breakage of china, pottery or glass or other fragile articles other than photographic or spectacle lenses;

• Any process of cleaning, dyeing, repair, alteration or restoration;

• Any item confiscated or detained by customs or similar authorities;

• Breakage of skins and strings in respect of musical instruments;

• Loss or damage to sports equipment whilst in use. Note: Sports equipment relating to sports mentioned under the Hazardous Sports option of this policy, will only be covered when the appropriate additional premium has been paid. However, equipment relating to the activities mentioned under the General Exclusions (article 12), including breakage of skis are always excluded;

• Cash, treasury notes, banknotes and stamps, tickets, securities for Money or goods of any kind (including travellers cheques), mobile telephones, bicycles, cycles, motor vehicles, surfboards, underwater sports equipment, watercraft and/or accessories, any property used in connection with any business, profession or trade;

• Contact lenses, hearing aids, dentures, bridgework, and artificial limbs over US$ 100;

• Failure by the Insured to take ordinary and reasonable precautions for the safety of his/her baggage, clothing and personal effects. Theft of luggage when left unattended, other than when locked in secured premises (hotels, etc.) or locked out of sight, in the boot of a motor vehicle, but only during the hours of daylight. Except that Valuable Articles are not covered, at any time, when left unattended in a motor vehicle, whether in a locked boot or not.

  The following actions shall be deemed for the purpose of this policy to not be ordinary and reasonable precautions, and therefore result in denial of claim(s) under this section.

• Theft of valuable personal belongings from tents and/or cara-vans are also not covered when these are left unattended;

• Any unaccompanied luggage. That is items of personal belongings forwarded or posted under separate Cover, therefore not accompanying the Insured, while he/she is travelling;

• Losses resulting from currency fluctuations.

1. Sports equipment whilst in use.

1. war, invasion, acts of foreign enemies, hostilities (whether was be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any Government or local authority or riot or civil commotion;

2. atomic nuclear reaction;

3. Mental or nervous illness or anxiety;

4. Occurrences attributable to the effects of alcohol or drugs;

5. Suicide or attempted suicide and self inflicted injuries;

6. Involvement in wilful exposure or needless peril;

7. Involvement in any sport or pastime involving exceptional risk of accident;

8. Venereal diseases, sexually transmissible conditions, the transmission of Human Immunodeficiency Virus (HIV) and/or HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or mutant derivative or variations there of however caused;

9. Pregnancy or childbirth, if the Period of Insurance exceeds three months. In the event that the Period of Insurance does not exceed three months, then Cover will apply to injury or illness arising from or affecting the pregnancy, provided that the Insured is not expected to give birth before or within 8 weeks after, the expire of the Period of Insurance;

10. Wilful abortion;

11. Taking part in any Dangerous Sport activity;

12. Taking part in any Hazardous Sport activity unless the required additional premium has been paid;

13. Any breach of any prohibition or regulation of any government;

14. The practice of professional functions insofar as exceptional employee- and or business risks are involved, in consideration of the fact that ISIS will not use this exclusion if the work was in connection with an internship or exchange in an organised context with the exception of Benefit D;

15. The first $40 of any claim under Benefit A and F.

1. A claim results from circumstances which reasonably could have been anticipated by the Insured or any other person at the date of issue of this policy;

2. There is any other insurance or fund covering the same loss, damage or any part thereof. In that case this insurance will not be liable for the risks paid or covered by such other funds or insurances.

1. Expenses mentioned under Benefit A and B, which are a result of pregnancy, childbirth, abortion and any pre-existing physical defect, infirmity, sickness, disease or affliction when:

2. the existence of the condition was known or could have been known at the time of effecting the insurance;

3. it was to be expected at the time of effecting the insurance that the medical expenses must be incurred during the period of insurance;

4. the Insured was already under medical treatment at the time of effecting the insurance and that it is necessary to continue with the treatment during the period of insurance;

5. the Insured travels against the advice of a doctor;

6. the Insured travels to obtain medical treatment;

7. the Insured is undergoing, or on a waiting list for a course of medical treatment;

8. the Insured has received a terminal prognosis;

9. a claim relates to a medical condition for which the Insured has received treatment in/during the 12 months prior to effecting the Policy.