No cover for medical expenses, cancellation cost or additional expenses if the following circumstances apply:
1. You have been given a terminal or palliative prognosis for any condition with a shortened life expectancy;
2. You have chronic renal failure treated by hemodialysis or peritoneal dialysis;
3. You have AIDS defining illness or any condition or treatment causing you immunosuppression;
4. You have had, or are on a waiting list for an organ transplant;
5. Pregnancy over 19 weeks;
6. Metastatic or secondary cancer; or
7. Any mental illness.
This above definition applies to you or your travelling companion.