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

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 finding) breaks out or is diagnosed at the earliest three months (for tick borne encephalitis, TBE, 15 days) after the start of the contract (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.  Cover exists for infections transmitted by animals through skin injuries (for example meningitis). German law applies to the contract. The German wording of the conditions alone is binding; this translation is provided for understanding only.  Beyond that, cover exists for wound infections, blood poisoning, tetanus and rabies, infections of the insured person that arose through therapeutic measures or procedures, where those therapeutic measures or procedures were necessary because of an insured accident. l wound infections, blood poisoning, tetanus and rabies, l infections of the insured person that arose through therapeutic measures or procedures, where those therapeutic 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 if an accident event under A-1.3 was the predominant cause of this damage to health (that is, more than 50 per cent).

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

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

A-4.2.5 Abdominal or lower abdominal hernias. Exception:  They arose through violent action coming from outside, and  cover exists for that action under this contract. In this case the exclusion does not apply. Premium, Part A: the claim (The German original has no clause A-5: it goes from A-4 to A-6.)