Participation in war or criminal acts

Investigations into and treatment for illnesses, diseases or injuries resulting from active participation in war, civil disturbances, riots, terrorism, criminal acts, illegal acts, and acts against any foreign hostility are often excluded in medical insurance policies. Active participation means the willful and intentional involvement in any of these events, and can even apply to innocent bystanders. This type of coverage may be removed or reduced if a foreign office advises against all travel to a certain location, and some medical insurance providers may decline coverage in full. It is important to follow the travel advisory given by the authorities where your insurance provider is registered to ensure your coverage is not impacted. While it may be difficult to find coverage for these types of illnesses, diseases and injuries, some insurance providers may offer help and support through motivational programs. It is important to fully understand the terms and conditions of your specific policy to know what is covered and what is not.