AIA will not pay for any claim in respect of the following:
- Baggage delay not reported immediately upon discovery to the common carrier;
- Baggage legally delayed, held, detain or confiscated by customs, immigration and/or other public authorities;
- Baggage delay on insured person’s return journey to Malaysia;
- Insured Person failure to obtain a written confirmation from the operator of common on the baggage delivery time;
- Less than 3 consecutive hours of delay.
Note: The list is not exhaustive. Kindly refer to the policy contract here for the full list of exclusions applicable to Baggage Delay.