Almost all international policies have a line in their “Exclusion” section something like: This medical plan does not cover…. any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with: (a) war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war; (b) Any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence . . . .
I think you get the picture. So, if you are caught in the cross fire, you are not covered. But what if you are walking down the street, trip and break you ankle? In that case you are covered for it had nothing to do with a “war.” So we can write insurance for people in war zones, but with the exclusion as listed above.
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