DECLARATION. The service is provided by IPA which is an independent contractor and is not an agent of the Company. The Company shall make no representation, warranty or undertaking as to the availability of IPA’s services and shall not be liable to the Insured or any other person in any respect of any loss, damage, expense, suit, action or legal proceeding suffered or incurred by any of them, whether directly or indirectly, arising from or in connection with the services provided or advice given by IPA or its agents, or the availability of such services. 1. The due observance and fulfillment of the Terms, Conditions, Exclusions and Endorsements of this insurance by the Policyholder and Insured Person and claimants in so far as they relate to anything to be done or complied with them, and the truth of the statements and details in every proposal form and declaration shall be conditions precedent to any liability of the Company to make any payment under this insurance. 2. The insurance coverage for all sections except “Cancellation of Journey” commences on the departure of the Insured Person from his residence or office in Hong Kong SAR directly to the international departure point and ceases on the Insured Person’s return directly to his residence or office; provided that the insurance shall in any event be deemed to have not commenced more than 6 hours prior to the departure time or ceased more than 6 hours after the return to Hong Kong SAR. As for coverage under the “Cancellation of Journey” section the insurance commences on the date of applying this insurance or arranging the journey and ceases on the departure date on the itinerary as stipulated before commencement of travel. 3. Trip Duration 3.1 The maximum period of Insurance for single trip plan shall be 182 consecutive calendar days. 3.2 The maximum period of Insurance for multiple trips plan shall be 3 months or one year. However, the Insurance covers for each trip shall not exceed 90 consecutive days. 4. This Policy shall be governed and construed in accordance with the laws of Hong Kong SAR. 5. All differences arising out of this insurance shall be referred to the decision of an Arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single Arbitrator to the decision of two Arbitrators one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of the parities or in case the Arbitrators do not agree of an Umpire appointed in writing by the Arbitrator and preside at their meetings and the making of an award shall be a condition preceding to any right of action against the Company. If the Company shall disclaim liability to the Insured Person for any claim and such claim shall not within twelve calendar months from the date of such disclaimer have been referred to arbitration under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable. 6. The Policy does not cover any claims or losses directly and indirectly arising out of:- 6.1 Pre-Existing Conditions. 6.2 Any injury, Sickness, death, loss, expense or other liability attributable to HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations thereof howsoever caused. 6.3 Riot and strike, war (whether declared or not), Act of Terrorism, invasion, act of foreign enemies,
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