According to the National Terror Alert website, January 24, 2010, Osama bin Laden reportedly has taken credit for the thwarted attempt to bring down Delta flight 253 on Christmas Day. The al-Qaeda terror chief also threatened fresh attacks against American targets.
The reavowal of ongoing attacks brings up the question of whether Americans working overseas can get medical and travel insurance that covers war.
Almost all international policies have a line in their Exclusion section that reads, “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:
- war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war;
- 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 driving through town and get shot in a gun battle, you are not covered. You are also excluded if you get injured in your home from an incoming rocket. But what if you are walking down the street, trip and break your hand? Or you injure your head in a car accident? In those cases you are covered for it had nothing to do with a war.
The bottom line – We can write overseas health and travel insurance for people in war zones, but with the exclusion as listed above.