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1. Multi-Trip Coverage: Additional terms for annual multi-trip policies, used when the policy covers multiple trips within a year

2. Sports and Activities Coverage: Special provisions for adventure sports and high-risk activities, included when the policyholder requests coverage for specific activities

3. Business Travel Extensions: Additional coverage for business equipment and business-related incidents, included for business travel policies

4. Family Coverage Rider: Additional terms for family members covered under the same policy, included when family coverage is requested

5. Covid-19 Coverage: Specific terms related to pandemic coverage, included based on current health situations and requirements

6. Pre-existing Conditions: Terms regarding coverage of pre-existing medical conditions, included when such coverage is specifically requested and approved

1. Schedule A - Benefits Table: Detailed breakdown of coverage limits and benefits for different categories

2. Schedule B - Premium Calculation: Detailed breakdown of premium calculation including any loadings or discounts

3. Schedule C - Covered Countries List: List of countries where the insurance coverage is valid

4. Appendix 1 - Claims Documentation: Comprehensive list of documents required for different types of claims

5. Appendix 2 - Medical Network: List of affiliated hospitals and medical facilities worldwide

6. Appendix 3 - Hazardous Activities: Detailed list of covered and excluded sporting and hazardous activities