No. Injuries purely caused by long-term overuse strain and not directly resulting from an accident are excluded from coverage. Touch Wood Protection will only reimburse eligible medical expenses for the medically necessary treatments that required within 12 months after an accidental injury occurs during the policy period. Covered treatments include: physiotherapy, chiropractic, tui na massage, outpatient, hospitalization and surgery.

For details and limits of each benefit item, please refer to the policy terms and conditions.