Koala Hub

This Medical Assistance has those general exclusions:

Services which have not been requested during the journey or which have not been organised by us or in agreement with us do not give entitlement to a refund or compensation after the event,
Catering and hotel expenses, except those specified in the text of cover,
Damage resulting from the Insured's participation in a crime, misdemeanour or brawl, except in the case of legitimate self-defence,
The amount of convictions and their consequences,
Use of narcotics or drugs not prescribed by a doctor,
Alcohol impairment as defined by regulations,
Customs duties,
Participation as a competitor in a competitive sport or rally, as well as training for these competitions,
Professional practice of any sport,
Taking part in endurance or speed competitions or events and their preparatory tests, on board any land, water or air vehicle,
The consequences of non-compliance with the recognised safety rules associated with the practice of any sporting or leisure activity,
The consequences of failure to comply with recognised safety rules relating to the driving of motorised vehicles (seat belts, helmets, closed shoes, gloves, etc.), in particular verification that the Insured has a driving licence for the use of any motorised vehicle.
The consequences of the use or operation of motorised equipment for sporting or leisure activities. leisure (water, land, air), whether you are a driver or a passenger;
The consequences of Accidents that occur when the Beneficiary practises a sport in a professional capacity, or practises or takes part in a sporting or leisure activity on an amateur basis or in competition, requiring the use of a motorised device (whether land, air or water), as well as preparatory training, when these consequences lead to the implementation of cover for a combined amount of more than €10,000.
Expenses incurred after return from the trip or expiry of the guarantee,
Events occurring during any sporting or leisure activity if :
- lack of insurance cover for the company organising the activity or,
- the Insured's lack of a certificate of fitness if he/she is practising the sport or the activity in question. independent leisure activities,
- where the Insured has voluntarily accepted a waiver of liability from the organiser of the sporting or leisure activity.
The Insured's participation as a competitor in sporting competitions, bets, matches, contests, rallies or their preparatory trials, as well as the organisation and payment of all search costs related to the practice of these dangerous sports,
In the event of a risky or dangerous sporting or leisure activity not included in this list, the Insured undertakes to contact VYV IA for authorisation or refusal.
Deliberate non-compliance with the regulations of the country visited or the practice of activities not authorised by the local authorities,
Official bans, seizures or coercive measures,
The Insured's use of air navigation equipment
The use of weapons of war, explosives and firearms,
Damage resulting from intentional or reckless misconduct on the part of the Insured,
Pollution, natural disasters (unless otherwise stipulated in the cover),
People who are not up to date with compulsory and/or recommended vaccinations in France or in the country where they are staying, as well as people who have not complied with the vaccination recommendations well known to the French authorities,
Claims relating to any pre-existing medical condition of the Insured which was diagnosed within the 6 months prior to the date of Travel (or the date of commencement of the of insurance if this date is later) ;

For more details, check your Terms and Conditions.