Travel-time illness Mallilausekkeet

Travel-time illness. 5.2 Travel accidents

Travel-time illness. A travel-time illness means an illness which required treatment by a physician and which started or clear symptoms of which first manifested on a trip, or which, on the basis of medical experience, is considered to have otherwise originated on the trip and required medical treatment during the trip or within 14 days of the end of the trip. In case of a communicable disease with a longer incubation period, the 14-day rule does not apply. An illness which the insured had before the start of the trip is not considered a travel-time illness. An illness whose symptoms manifested before the start of the trip or which was being investigated before the start of the trip is not considered a travel-time illness, even if the illness is diagnosed during the trip. However, if an illness that began before the beginning of the trip suddenly and unexpectedly worsens during the trip, the insurance will compensate the expense for necessary emergency treatment for no more than 7 days, but not any other expenses stated in the insurance terms. The policy does not cover illnesses that began before the beginning of the trip and unexpectedly worsen during the trip, if they were being investigated or treated at the beginning of the trip. A travel accident is a sudden, unexpected, external occurrence beyond the control of the insured that causes bodily injury and takes place during the trip and requires medical treatment within 14 days of the accident. An injury caused to the insured on a trip by involuntary sudden exertion or movement that requires medical treatment within 14 days is also considered a travel accident. The following events occurring during a trip are also considered travel accidents: involuntary drowning, heatstroke, sunstroke, frostbite, injury caused by a major fluctuation in air pressure, gas poisoning and poisoning caused by a substance consumed by the insured by mistake. The policy does not cover injuries caused by: • an illness or physical injury which the insured has had before; • a loss event caused by a pre-existing illness or physical defect; • damage caused to teeth or dentures by biting or chewing, even if external factors affected the damage; • surgery, treatment or another medical procedure, unless it is undertaken to treat an injury coverable as a travel accident; • suicide or attempted suicide; • intoxication caused by medicinal drugs, alcohol or any other substance used or consumed for purpose of intoxication; • a bacterial or viral infection. The ...