The travel insurance policy covers accidents to the Insured and losses arising from a journey whether by air, sea or land.
COVERAGE
- Death and permanent disablement
You are normally covered for death and total permanent disablement for a period within 365 days after the occurrence of the accident. The compensation will be paid according to a scale of benefits and may differ from one insurance company to another.
- Loss of luggage
This covers accidental loss or damage to your baggage, clothing, personal effects, and even money, caused by the carrier.
- Loss of passport and money
You will be reimbursed for additional hotel charges, travel and other expenses incurred in the country you visited, while obtaining the replacement of a lost passport. Such loss must be reported to the police within 24 hours.
- Hospitalization and medical expenses
Coverage for hospitalization, hospital or surgical expenses, outpatient medical expenses, as well as daily allowances up to a maximum number of days, should you be hospitalized for more than 24 hours.
- Repatriation
In the event of accidental death of the insured, the insurer will reimburse the insured’s legal representative for the cost of returning the remains home.
- Curtailment
You will be reimbursed for expenses incurred due to loss of travel or accommodation expenses paid due to cancellation or curtailment of the journey.
- Hijacking
The insurer may make daily payments up to a specified maximum number of days, if your journey is interrupted for more than 12 hours due to an act of hijack.
EXCLUSIONS
Losses caused by certain events are excluded from the cover. Some common exclusions include:
- War risks
- Suicide and insanity
- AIDS
- Provoke murder or assault
- Childbirth or miscarriage
- Hazardous sports
- Baggage delay and loss of baggage and personal effects due to seizure or destruction under quarantine or custom regulation.