Area B 
Area C 
 
                                            
                                            
                                                
                                                    
                                                    Note: If your travel crosses more than one Area on the same trip, premium should be calculated based on the Area with the higher premium. 
                                                
                                                
                                                    
                                                    
                                                    
                                                        
                                                            
                                                                 
                                                                
Area B 
                                                            
                                                            
                                                                
                                                                    Australia
Cambodia
China (excluding Tibet and Mongolia)
 
                                                                    
                                                                    Myanmar
New Zealand
South Korea
Taiwan
 
                                                                    
                                                                 
                                                                
                                                                    and all countries listed under Area A
 
                                                                 
                                                             
                                                         
                                                     
                                                    
                                                        
                                                            
                                                                 
                                                                
Area B 
                                                            
                                                            
                                                                
                                                                    Australia
Cambodia
China (excluding Tibet and Mongolia)
Brunei
Vietnam
 
                                                                    India
Japan
Laos
Macau
Indonesia
 
                                                                    Myanmar
New Zealand
South Korea
Taiwan
Malaysia
 
                                                                    Hong Kong
Philippines
Thailand
 
                                                                 
                                                                
                                                             
                                                         
                                                     
                                                    
                                                        
                                                            
                                                                 
                                                                
Area C 
                                                            
                                                            
                                                                
                                                                
                                                                    
                                                                        
                                                                            Worldwide excluding travelling in, to or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Somalia, Sudan and Syria.
                                                                        
Please refer to the policy wording for excluded countries as it is subject to change.