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…..as generally local insurers do not provide such passive wars extension – their reinsurance treaty is likely to have no part to it.
However, 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.