Your Personal Accident policy covers against Passive War?

All basic Personal Accident policies exclude wars (whether declared or otherwise), which means all forms of wars or war-liked operations are not covered. The question is what if you are travelling to a country where there is no war but unfortunately a war like operation was triggered during your stay. You have no part in this ‘sudden’ war just like the case when Bangkok was under seige during a military coup some years back. You are NOT covered… generally local insurers do not provide such passive wars extension – their reinsurance treaty is likely to have no part to it.

war-liked operationsHowever, there are companies who are willing to provide such cover at a reasonable premium. The cover for passive wars risks (which include hostilities, invasion and civil war) are limited to the insured person who had taken no active part therein, and having suffered the accident in a country other than his or her country of domicile or in Malaysia.

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2 comments for “Your Personal Accident policy covers against Passive War?

  1. vkliew
    August 4, 2009 at 00:21

    Yes, travelling overseas nowadays is full of uncertainty. You have the airplane going down just like Air France and Air Yemeni recently. You may also come face to face with those notorious people trying to project themselves like terrorists as in Mumbai staging a war-liked operations. You may be hit by some crossed fire?? You PA policy may repudiate any claims on ground of war-liked operations whether be declared or otherwise! Difficult in today’s time.
    Always insist on some form of cover for passive war – you never go wrong – it is okay if some token of a premium is charged.

  2. Don Hor
    June 17, 2009 at 02:12

    Hi, I will be travelling overseas to Kuwait. Which company actually provide such passive war cover? And usually how much will they be charging?

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