Martial arts

The TID policy will cover you for martial arts when there is no contact other than hand to hand contact, eg, holding up your gloves for someone to hit into while training. This would include karate, Tae Bo and cardio kickboxing in a gym class.

We get enquiries from customers who are going to training camps such as Muay Thai training in Thailand. While many will have a strong fitness focus, the policy will not cover you when you are in direct contact, sparring, fighting or using weapons (see General Exclusion 15 in the PDS for claims relating to intentional exposure to needless risk or not taking reasonable care).

If you are intending to do a martial art that we will cover, this is what you need to know:

What's covered?

• Overseas medical expenses
• Cancellation and/or rearrangement
• Accidental Death benefit
• Total Permanent Disability benefit (excluding Domestic policies)

What's not covered?

• Professional sports ie, you are receiving a wage, salary or appearance fee for training for or participating in the activity;
• You, a member of your travelling party or a close relative intentionally exposing themselves to a needless risk or not taking reasonable care, except in an attempt to save a human life;
• Personal liability- damage you cause to someone's property or if you injure someone;
• Medical expenses in Australia

If you aren't sure whether your martial art will be covered, please contact our customer service team with a website address for the specific programme you'll be undertaking, details of what you will be doing, what supervision is provided, where you are going and for how long, and we will pass it on to our underwriters for consideration.

Full terms, conditions and exclusions are available in the PDS.