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

A-4.2.1 Infections. Damage to health as a result of infections is excluded from cover. Exceptions: Cover exists for the following infections if the illness (first medical confirmation) breaks out or is diagnosed at the earliest three months (in the case of tick-borne encephalitis (FSME) 15 days) after the start 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 start of the contract.  There is cover for infections transmitted by skin injuries from animals (for example meningitis).  In addition there is cover for wound infections, blood poisoning, tetanus and rabies, infections arising from curative measures or procedures on the insured person, where those curative measures or procedures were necessary because of an insured accident. l wound infections, blood poisoning, tetanus and rabies, l infections arising from curative measures or procedures on the insured person, where those curative measures or procedures were necessary because of an insured accident.

A-4.2.2 There is no cover for damage to intervertebral discs, nor for bleeding from internal organs and cerebral haemorrhages. Exception: Damage to intervertebral discs, bleeding from internal organs and cerebral haemorrhages are co-insured where an accident event under A-1.3 was the predominant cause of this damage to health (that is, more than 50 per cent). German law applies to the contract. The German wording of the conditions alone is binding; this translation is provided for understanding only.

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

A-4.2.4 Pathological disturbances as a result of psychological reactions, even where these were caused by an accident.

A-4.2.5 Abdominal or lower abdominal hernias. Exception:  They arose through a violent action coming from outside, and  cover exists for that action under this contract. In this case the exclusion does not apply. Basis Plus, Part A: the benefit case (The German original has no A-5; the numbering jumps from A-4 to A-6.)