A-4.2 Excluded damage to health, Watercraft Accident Insurance, Basis

A-4.2.1 Infections. Damage to health as a result of infections is excluded from cover. Exceptions: for the following infections cover exists if the illness (first medical determination) breaks out or is diagnosed no earlier than three months (15 days for tick-borne encephalitis, FSME) after the beginning of the contract (the waiting period). This waiting period does not apply if the infection demonstrably occurred during the term of the contract, that is, after the beginning of the contract.  Cover exists for infections transmitted by animals through skin injuries (for example meningitis).  In addition, cover exists for wound infections, blood poisoning, tetanus and rabies, infections that arose through curative measures or interventions on the insured person, where those curative measures or interventions were necessary because of an insured accident. l wound infections, blood poisoning, tetanus and rabies, l infections that arose through curative measures or interventions on the insured person, where those curative measures or interventions were necessary because of an insured accident. German law applies to the contract. The German wording of the conditions alone is binding; this translation is provided for understanding only.

A-4.2.2 There is no cover for damage to intervertebral discs or for haemorrhages from internal organs and cerebral haemorrhages. Exception: damage to intervertebral discs and haemorrhages from internal organs and cerebral haemorrhages are also insured where an accident event under A-1.3 was the predominant cause (that is, more than 50 per cent) of this damage to health.

A-4.2.3 Damage to health through radiation. Cover does, however, exist for damage to health through the action, caused by an accident, of X-ray, laser and maser rays and artificially generated ultraviolet rays.

A-4.2.4 Poisoning as a result of solid or liquid substances being taken in through the throat (the entrance to the oesophagus).

A-4.2.5 Pathological disorders as a result of psychological reactions, even where these were caused by an accident.

A-4.2.6 Abdominal or lower abdominal hernias. Exception:  they arose through a violent action coming from outside, and  cover exists under this contract for that action. In this case the exclusion does not apply. Basis, Part A: when a benefit is claimed (The German original has no clause A-5; it moves from A-4 directly to A-6.)