ABSA CREDIT CARD TRAVEL INSURANCE POLICY WORDING AND SCHEDULE OF BENEFITS

ABSA CREDIT CARD TRAVEL INSURANCE POLICY WORDING AND SCHEDULE OF BENEFITS

Absa Card Travel Insurance Policy Wording 1 ABSANAC022013 v1 ABSA CREDIT CARD ABSA CREDIT CARD ABSA CREDIT CARD ABSA CREDIT CARD TRAVEL INSURANCE POLICY WORDING AND TRAVEL INSURANCE POLICY WORDING AND TRAVEL INSURANCE POLICY WORDING AND TRAVEL INSURANCE POLICY WORDING AND SCHEDULE OF BENEFITS SCHEDULE OF BENEFITS SCHEDULE OF BENEFITS SCHEDULE OF BENEFITS Underwritten by Absa Insurance Company Limited Underwritten by Absa Insurance Company Limited Underwritten by Absa Insurance Company Limited Underwritten by Absa Insurance Company Limited Registration Number: 1992/001737/06 Registration Number: 1992/001737/06 Registration Number: 1992/001737/06 Registration Number: 1992/001737/06 An An An An authorised Financial Services Provider authorised Financial Services Provider authorised Financial Services Provider authorised Financial Services Provider FSP Number: 8030 FSP Number: 8030 FSP Number: 8030 FSP Number: 8030

Absa Card Travel Insurance Policy Wording 2 ABSANAC022013 v1 TABLE OF CONTENTS: TABLE OF CONTENTS: TABLE OF CONTENTS: TABLE OF CONTENTS: IMPORTANT POLICY INFORMATION . 3 DEFINITIONS . 5 GENERAL CONDITIONS (these conditions are applicable to the entire policy wording . 6 CLAIMS CONDITIONS (these conditions are applicable to the entire policy wording . 7 CLAIMS PROCEDURES . 7 GENERAL EXCLUSIONS (these exclusions applicable to the entire policy wording . 9 LEISURE AND WINTER SPORTS ACTIVITIES EXTENSION . 9 YOUR COVER . . 11 SECTION A - THE ABSA TRAVEL ASSISTANT . . 11 SECTION B – EMERGENCY MEDICAL AND ASSOCIATED EXPENSES .

. 11 SECTION C – PERSONAL ACCIDENT . . 12 SECTION D – TRIP CANCELLATION OR CURTAILMENT (this cover is only applicable if You have purchased the Optional Top-up Cover . . 14 SECTION E – BAGGAGE COVER (this cover is only applicable if You have purchased the Optional Top-up Cover . . 15 SECTION F – PERSONAL MONEY AND LOSS OF PASSPORT (this cover is only applicable if You have purchased the Optional Top-up Cover . . 16 SECTION G – TRAVELLING INCONVENIENCE BENEFITS (this cover is only applicable if You have purchased the Optional Top-up Cover . . 17 SECTION H – PERSONAL LIABILITY . . 18 SECTION I – LEGAL EXPENSES AND ADVICE .

. 19 SECTION J – HIJACK AND WRONGFUL DETENTION . . 19 SECTION K – PET CARE (this cover is only applicable if You have purchased the Optional Top-Up Cover . . 19 SCREENING OF APPLICATION, INSTRUCTIONS AND TRANSACTIONS . . 19 FAIS DISCLOSURE NOTICE . . 20 ABSA CREDIT CARD TRAVEL INSURANCE SCHEDULE OF BENEFITS . . 22

Absa Card Travel Insurance Policy Wording 3 ABSANAC022013 v1 IMPORTANT POLICY INFORMATION IMPORTANT POLICY INFORMATION IMPORTANT POLICY INFORMATION IMPORTANT POLICY INFORMATION This is Your Absa Credit Card Travel Insurance Policy. This Policy wording; Schedule of Benefits and Your Policy Certificate forms the contract of insurance and gives You full details of who is covered; what is covered; what is not covered; and the conditions of cover. Please read all documents carefully and keep them in a safe place and take them with You when You travel.

Please read the following information carefully: 1.

We will only cover a person named on the Public Conveyance ticket or Policy Certificate if: a. The full cost of an international outbound Public Conveyance ticket from South Africa was charged using a valid Absa credit card; and b. The Trip is an international round trip which begins and ends in South Africa; and c. His/Her country of residence is South Africa. 2. This is not a medical aid policy. It only covers You if You are involved in an Accident or fall ill unexpectedly. It does not cover You for non-emergency medical treatment.

3. We do not cover payment which You would normally have made during Your travels and/or which does not fall within the events insured under the terms of this Policy. 4. If as a result of an Illness or Injury You need emergency medical treatment, You must contact Our Medical Emergency Helpline before You make any admission arrangements or incur any expenses. If this is not possible because the condition is serious, You must contact the Emergency Medical Helpline as soon as possible after You go into hospital.

5. If You need to return to South Africa for any reason, it is also important that You contact the Medical Emergency Helpline before You make any arrangements to return to South Africa.

6. If You do not contact the Medical Emergency Helpline then the most We will pay for any medical claim will be R2 000. 7. Certain benefits are only payable if You have purchased Optional Top-up cover. 8. In some cases any benefit payable will only be made once You have returned to South Africa and have submitted a claim form together with all the supporting documentation.

9. We will not pay any claim as a result of any cardiac or cardiovascular or vascular or cerebrovascular illness or condition including any resultant condition or complications that in the opinion of a Medical Practitioner appointed by Us can reasonably be related thereto for persons aged 70 years or older. Should you have any queries regarding Your Absa Credit Card Travel Insurance Policy, please contact Us on 0861 227 284 0861 227 284 0861 227 284 0861 227 284 or from outside South Africa 00 27 11 251 3402.

00 27 11 251 3402. 00 27 11 251 3402. 00 27 11 251 3402. In the event of a medical emergency You must contact the Medical Emergency Helpline on: 00 27 11 991 9521 00 27 11 991 9521 00 27 11 991 9521 00 27 11 991 9521.

You can request a reverse charge call from the operator. PREMIUM PAYMENTS PREMIUM PAYMENTS PREMIUM PAYMENTS PREMIUM PAYMENTS Absa Card Division is liable for the premium for the Automatic Cover and You are liable for the premium for the Optional Top-up cover. The premium is payable in advance and We shall not be liable for any claim arising under this Policy that occurs prior to receipt of the premium. We shall not be obliged to accept premium tendered to Us or to any intermediary after such date, but may do so upon such terms as We in Our sole discretion may determine. We reserve the right to ask for proof of payment of premium at any time.

Such proof must be to Our satisfaction.

PERIOD OF INSURANCE PERIOD OF INSURANCE PERIOD OF INSURANCE PERIOD OF INSURANCE Automatic Travel Insurance Automatic Travel Insurance Automatic Travel Insurance Automatic Travel Insurance: Cover starts from the date You leave from South Africa on Your Trip and continues for a maximum period of 90 days. Optional Optional Optional Optional Top Top Top Top- - - -up up up up Cover Cover Cover Cover: a. Cancellation Cover: starts from the date the Optional Top-up Cover is purchased and ends when You leave South Africa on Your Trip. b. All other benefits: Cover starts from the date You leave South Africa on Your Trip and terminates on the expiry date shown in Your Policy Certificate.

CANCELLATION CANCELLATION CANCELLATION CANCELLATION 1. You can cancel this Policy and obtain a refund of the premium You have paid by giving Us written notice within 15 days before Your intended date of departure. We will not provide You with a premium refund if you have travelled already, have used the Policy to obtain a visa or have initiated a claim or intend to claim. If You have purchased an Annual Multi-trip policy then a pro rata refund of the premium for the unexpired period will be paid to You.

2. This Policy may be cancelled by Us giving 15 days’ written notice if You have been in breach of any of its terms, conditions, endorsements, terminations and exclusions in accordance with the Short-term Insurance Act of 1998, and any other subsequent legislation that may be enacted, in which case We will refund a pro rata premium for the unexpired period. 3. We may cancel this Policy by sending You notice in writing to Your last known address if You have not travelled already. If you are away on a Trip We will endeavour to contact You and advise You of the cancellation. If the premium is paid annually in advance in the case of an Annual Multi-trip Policy and the Policy is cancelled other than at the anniversary date, then We will refund a pro rata premium provided that no claims have been initiated.

TERMINATION TERMINATION TERMINATION TERMINATION This Policy will not apply to events that occur once You have returned from Your Trip to South Africa. All cover under this Policy will terminate on the earliest of the following dates: 1. Automatic Cover: 1.1. The date on which You Return from Your Trip or 90 days from Your date of departure (unless there is an Automatic Extension of the Period of Insurance as described elsewhere in this Policy), whichever occurs first; or 1.2. On the date the master Policy is cancelled; or 1.3. On the date You reach the maximum age for the cover selected. 2.

Optional Top-up Cover: 2.1. The date on which You return from Your Trip or the expiry date appearing in Your Policy Certificate (unless there is an Automatic Extension of the Period of Insurance as described elsewhere in this Policy), whichever occurs first; or 2.2. On the date the master Policy is cancelled.

Absa Card Travel Insurance Policy Wording 4 ABSANAC022013 v1 POLICY LIMITS POLICY LIMITS POLICY LIMITS POLICY LIMITS 1. Each section of Your Policy has a limit on the amount We will pay under that section. You can find out what these limits are by referring to Your Schedule of Benefits. (Some sections also include other specific limits.,. Check that Your Policy cover is adequate for Baggage and Personal Belongings You have with You. 2. You will not be entitled to more than 100% of the sum for any Insured Event as reflected in the Schedule of Benefits. 3. If two or more policies are issued by Us and apply to the same claim, Our maximum liability will never be more than the maximum liability as stated on the Policy with the highest benefits.

We will refund You the premium You have paid for the Policy which was not used. 4. The maximum amount payable in the event of death or Permanent disability of a child will be 20% of the benefit, or in respect of death that amount which is legislated at the Date of Loss, whichever is the lesser.

5. Limit any One Life is the maximum amount of cover each person would be entitled to in the event of an Accident or Illness under the Emergency Medical and Associated Expenses: Platinum and Private Bank Cards and Business Cards Platinum and Private Bank Cards and Business Cards Platinum and Private Bank Cards and Business Cards Platinum and Private Bank Cards and Business Cards Automatic Cover Automatic Cover Automatic Cover Automatic Cover: R1 000 000 Optional Cover: Optional Cover: Optional Cover: Optional Cover: Option 1: R19 000 000 Option 2: R15 000 000 Option 3: R5 000 000 Seniors Cover: Seniors Cover: Seniors Cover: Seniors Cover: R5 000 000 Gold Gold Gold Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard Electronic/Visa Electronic Electronic/Visa Electronic Electronic/Visa Electronic Electronic/Visa Electronic Automatic Cover: Automatic Cover: Automatic Cover: Automatic Cover: R1 000 000 Optional Cover: Optional Cover: Optional Cover: Optional Cover: Option 1: R19 000 000 Option 2: R19 000 000 Option 3: R4 000 000 Seniors Cover: Seniors Cover: Seniors Cover: Seniors Cover: R5 000 000 Silver Credit Card or Silver Credit Card or Silver Credit Card or Silver Credit Card or MasterCard MasterCard MasterCard MasterCard Electronic/Visa Electroni Electronic/Visa Electroni Electronic/Visa Electroni Electronic/Visa Electronic Automatic Cover: Automatic Cover: Automatic Cover: Automatic Cover: R150 000 Optional Cover: Optional Cover: Optional Cover: Optional Cover: Option 1: R19 000 000 Option 2: R14 000 000 Option 3: R4 000 000 Seniors Cover: Seniors Cover: Seniors Cover: Seniors Cover: R5 000 000 6.

Accumulation Limit in respect of any one Accident during a trip: R5 000 000 any one Absa card. This means that if a Family or group of people travel together and all their airtickets were purchased on a single Absa card, the combined Personal Accident benefit limit will not exceed R5 000 000 EXCESS EXCESS EXCESS EXCESS You may have to pay an amount towards Your claim or wait for a period of time before the benefit applies. This is called the Excess and is reflected in the relevant section of Your Schedule of Benefits.

Each section may have its own Excess applicable to it. This means that each and every section You claim for may have a separate Excess. Please refer to Your Schedule of Benefits to determine the Excess per section of cover. TYPES TYPES TYPES TYPES OF COVER, PLAN TYPES AND TRIP DURATIONS OF COVER, PLAN TYPES AND TRIP DURATIONS OF COVER, PLAN TYPES AND TRIP DURATIONS OF COVER, PLAN TYPES AND TRIP DURATIONS The following Types Types Types Types of Cover of Cover of Cover of Cover are available: 1. Automatic Cover (No premium payable if Your full cost of an international outbound Public Conveyance ticket has been purchased using an Absa credit card).

Please refer to the Schedule of Benefits to check what benefits You are covered for.

2. Optional Top-up Cover (You need to purchase this cover) a. Option 1: 3 months up to 59 years of age 60 years up to 69 years of age 70 years up to 74 years of age b. Option 2: 3 months up to 59 years of age 60 years up to 69 years of age 70 years up to 74 years of age c. Option 3: 3 months up to 59 years of age 60 years up to 69 years of age 70 years up to 74 years of age d. Seniors Cover The following Plan Types Plan Types Plan Types Plan Types are available on the Optional Top-up Cover (excluding the Automatic Cover): 1. Individual: 1 person travelling 2. Couple: 2 people travelling together on an Identical Travel Itinerary.

3. Family/Family Member/Friends: At least 3 but not more than 9 people travelling together on an identical travel itinerary. For Seniors cover a maximum of 4 friends travelling together on an Identical Travel Itinerary.

4. Group: At least 10 but no more than 15 people travelling together on an Identical Travel Itinerary. This plan type is not available under Seniors Cover

Absa Card Travel Insurance Policy Wording 5 ABSANAC022013 v1 The Following Trip durations Trip durations Trip durations Trip durations are available on the Optional Top-up Cover and Plan Type: 1. Single Trip of up to either: a. 1 – 90 days (including Your departure date from and Your return date to South Africa) b. 91 – 120 days (including Your departure date from and Your return date to South Africa) c.

121 – 184 days (including Your departure date from and Your return date to South Africa) 2. Annual Multi-trip: Provides You with cover for an unlimited number of trips undertaken during a 12-month period. The maximum duration per Trip is restricted to 90 days (including Your departure date from and Your return date to South Africa).

AGE LIMITS AGE LIMITS AGE LIMITS AGE LIMITS 1. Automatic Cover is available to persons from the age of 3 months to the age of 74 years (inclusive). If You turn 75 during your Trip You will not be covered under the Automatic Cover from the day you turn 75. 2. Optional Top-up Cover (Option 1, 2 and 3) is available to persons from the age of 3 months to the age of 74 years. If You turn 75 during Your Trip You will need to purchase the Seniors Cover unless for the most part of Your Trip You were 74 years old (i.e. 50% or more of the total Trip duration). 3. Optional Top-up Cover (Seniors) is available to persons from the age of 75 years to 85 years (inclusive).

If You turn 86 years during Your Trip You will not be covered unless You were 85 years old for the most part of Your Trip (i.e. 50% or more of the total Trip duration). 4. Permanent Total Disability cover under Section C1 – Death and Disability is not available to persons who are 65 years or older at the time of the Accident.

5. We will not pay any claim as a result of any cardiac or cardiovascular or vascular or cerebrovascular illness or condition including any resultant condition or complications that in the opinion of a Medical Practitioner appointed by Us can reasonably be related thereto for persons aged 70 years or older. REASONABLE CARE REASONABLE CARE REASONABLE CARE REASONABLE CARE You need to take reasonable care to protect Yourself and Your property, as You would if You were not insured. USE OF LANGUAGE USE OF LANGUAGE USE OF LANGUAGE USE OF LANGUAGE Unless otherwise agreed the contractual terms and conditions and other information relating to this contract will be in English.

Words in the singular include the plural and vice versa. Words in the masculine gender shall include the female gender.

AUTOMATIC EXTENSION OF THE PERIOD OF INSURANCE AUTOMATIC EXTENSION OF THE PERIOD OF INSURANCE AUTOMATIC EXTENSION OF THE PERIOD OF INSURANCE AUTOMATIC EXTENSION OF THE PERIOD OF INSURANCE If You cannot return Home before Your cover ends, Your Policy will remain in force at no extra cost to You for: 1. Up to 14 days if any Public Conveyance operating on land, air or water in which You are travelling as a fare-paying passenger is delayed; or 2. Up to 30 days if You cannot return Home due to Your Illness or Injury.

We will also continue to pay for medical treatment under Section B - Emergency Medical and Associated Expenses for the automatic extension period or for a maximum of 12 months from the date Your cover ended that is considered medically necessary by Our Medical Emergency Assistance Provider.

FRAUD FRAUD FRAUD FRAUD If You, or anyone acting on Your behalf or with Your permission, make a claim under this Policy knowing the claim to be dishonest or intentionally exaggerated or fraudulent in any way, or if You give a false declaration or statement to support the claim, We will not pay the claim and all cover under the Policy will end. We reserve the right to inform the police about any dishonest claim.

GENERAL GENERAL GENERAL GENERAL DEFINITIONS DEFINITIONS DEFINITIONS DEFINITIONS The following words or phrases have the following meanings wherever they appear in this Policy wording: 24 Hour Cover 24 Hour Cover 24 Hour Cover 24 Hour Cover means any time period when you are not travelling in a Public Conveyance. Accident Accident Accident Accident means a sudden, unexpected, specific and violent event which occurs at an identifiable time and place resulting in Injury. Accumulation Limit Accumulation Limit Accumulation Limit Accumulation Limit means the maximum We will pay in respect of any one Accident arising from one source or cause during a Trip.

Baggage Baggage Baggage Baggage means Your checked–in suitcases (including the contents) and hand luggage (including the contents). Children Children Children Children means Your dependent children who are unmarried, not in full-time employment, not pregnant, without children and who are between the ages of 3 months and 21 years; or under the age of 25 years, provided they are enrolled at a registered tertiary institution. It also includes Your mentally disabled children who are primarily dependent on You for maintenance and support.

Close Business Associate Close Business Associate Close Business Associate Close Business Associate means someone You work with in South Africa who has to be at work in order for You to be able to go on or continue a Trip, and who is under the age of 75 years. Date of Loss: Date of Loss: Date of Loss: Date of Loss: a. for Illness, the first date of diagnosis or the date You first became aware of the Illness – whichever occurs first; b. for Injury the date of the Accident; c. for all other sections the date of the Insured Event. Effective Date of Cover Effective Date of Cover Effective Date of Cover Effective Date of Cover means: a.

For cancellation cover: the date the Optional Top-up Cover is purchased; b. For all other sections of cover: the date of departure. Excess Excess Excess Excess/Excesses /Excesses /Excesses /Excesses means the amount/s You will have to pay towards any claim or any time period before a claim is valid. This applies to each of Your claims, per section, if applicable.

Family/Family Member Family/Family Member Family/Family Member Family/Family Member means Your Spouse, parent, legal guardian, stepparent, grandparent, grandchild, in-law (son, daughter or parent), natural or adopted child, brother, sister, stepbrother or stepsister. Home Home Home Home means Your home address in South Africa. Identical Travel Itinerar Identical Travel Itinerar Identical Travel Itinerar Identical Travel Itinerary y y y means that all insured persons travelling under one Policy have the same departure date from South Africa, return date to South Africa and are travelling to the same destinations.

Illness Illness Illness Illness (includes reference to falling (includes reference to falling (includes reference to falling (includes reference to falling i ii ill) ll) ll) ll) means any unexpected or sudden sickness or disease contracted, commencing or manifesting for the first time during the Trip. Injury Injury Injury Injury (includes reference to being Injured) (includes reference to being Injured) (includes reference to being Injured) (includes reference to being Injured) means the physical trauma caused to You as a direct result of an Accident. Insured Ev Insured Ev Insured Ev Insured Event ent ent ent means an event stated in the Schedule of Benefits.

Manual Work Manual Work Manual Work Manual Work means physical labour, which could or does require the use or operation of mechanical or non-mechanical machinery or equipment and includes any occupational activities underground or requiring the use of explosives.

Absa Card Travel Insurance Policy Wording 6 ABSANAC022013 v1 Medical Emergency Assistance Provider Medical Emergency Assistance Provider Medical Emergency Assistance Provider Medical Emergency Assistance Provider means Europ Assistance whom We have authorised to assist with, coordinate and negotiate claims and to operate the medical emergency helpline on Our behalf. Medical Practitioner Medical Practitioner Medical Practitioner Medical Practitioner means a person registered with a medical institution and with a current, legal licence to practise medicine, but excludes You or a member of Your immediate Family.

Personal Money Personal Money Personal Money Personal Money means cash (including foreign currency), travellers cheques, non-refundable pre-paid admission tickets and travel tickets. Personal Belongings Personal Belongings Personal Belongings Personal Belongings means those items worn or carried on You including Valuables. Policy Policy Policy Policy means this document embodying the contract of insurance and includes any subsequent terms, conditions, exclusions, terminations and endorsements. Pre Pre Pre Pre- - - -e e e existing Medical Condition xisting Medical Condition xisting Medical Condition xisting Medical Condition means any condition for which within the 12 months prior to the Effective Date of Cover You: a.

have received advice, medication or treatment for any serious, chronic or recurring Illness or Injury; or b. were or are under investigation or awaiting results for any diagnosed or undiagnosed condition; or c. were or are on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition; or d. have been diagnosed with a terminal illness. Professional Player Professional Player Professional Player Professional Player means any person who is remunerated for participating in a sport. Public Conveyance Public Conveyance Public Conveyance Public Conveyance means a scheduled or chartered conveyance operating on land, air or water and licensed to carry passengers for hire in which You are travelling as a fare-paying passenger but excluding any taxis, hired motor vehicles, minibus taxis, motorcycles, any single-engine aircraft and helicopters.

Schedule of Benefits Schedule of Benefits Schedule of Benefits Schedule of Benefits means the sections of cover applicable to Your Policy reflecting the maximum benefit payable per section as well as the Excesses and waiting periods applicable.

Spouse Spouse Spouse Spouse means the husband, wife, partner in a same sex partnership or any de facto partner with whom You have permanently and continuously lived with in the same household in a relationship which is not casual or impermanent for a period longer than six consecutive months. Only one Spouse shall be eligible for cover at a time. Terrorism Terrorism Terrorism Terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group of persons, whether acting alone or on behalf of or in connection with any organisation or government, committed for political, religious, ideological or similar purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Traumatic Event Traumatic Event Traumatic Event Traumatic Event means a violent criminal act or attempt where such violence is intended or made to overpower or subdue. Travelling Companion Travelling Companion Travelling Companion Travelling Companion means the person who is sharing travel and accommodation arrangements with You on an Identical Travel Itinerary without whom such a Trip would not be possible and who is also insured with Us.

Trip Trip Trip Trip means holiday or business travel outside of South Africa commencing when You go through passport control from within South Africa and continues for the Period of Insurance or until You enter passport control on Your arrival back in South Africa, whichever occurs first. This cover only applies to You if You are travelling on a return round trip via a Public Conveyance. Unattended Unattended Unattended Unattended means when You are not in full view of or in a position to prevent the unauthorised taking of Your property unless it is in a locked room, safe, in a locked boot of a locked vehicle or in the luggage space of a locked car or locked hatchback under a top cover and out of view.

Valuables Valuables Valuables Valuables means jewellery, antiques, gold, silver, precious metal or precious stone items, watches, furs, binoculars, telescopes, game consoles and equipment, mobile phones and audio, audiovisual, photographic, video camera, computer and television equipment. War War War War means war, whether declared or not, or any warlike activities (including use of military force) by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends.

We, Us, Our, Insurer We, Us, Our, Insurer We, Us, Our, Insurer We, Us, Our, Insurer means Absa Insurance Company Limited Reg. no 1992/001737/06. You, Your You, Your You, Your You, Your means the Absa Credit Card Holder and/or the person named on the Public Conveyance ticket whose Trip has been debited in full, to a valid Absa Credit Card and/or the person named on the Policy Certificate. This includes reference to the insured person. GENERAL CONDITIONS GENERAL CONDITIONS GENERAL CONDITIONS GENERAL CONDITIONS (these conditions are applicable to the entire policy wording) (these conditions are applicable to the entire policy wording) (these conditions are applicable to the entire policy wording) (these conditions are applicable to the entire policy wording) 1.

All amounts are shown in South African rand (ZAR). If expenses are incurred in a foreign currency the rate of exchange used to calculate the amount payable will be the rate at the time of incurring the expense or suffering the loss.

2. Any word or expression given a specific meaning in this Policy or the Schedule of Benefits will have that meaning wherever it appears. 3. This Policy may be extended by issuing an endorsement by Us provided that the application is made to Us in writing prior to the expiry of the existing Policy and there are neither existing nor initiated claims. 4. You must: a. Always exercise reasonable care for the safety, security and supervision of property at all times and must not leave property Unattended in public places, unlocked buildings or an Unattended unlocked vehicle.

b. Follow Our advice or instruction or else We may decline to pay part of or Your entire claim.

c. Take all precautions to minimise any loss and do not abandon any damaged property. d. Attempt to make a recovery from the airline and never leave an airport with a damaged suitcase that has not been reported and a written report obtained. e. Observe the Policy conditions insofar as they relate to anything to be done by You. 5. If, at the time of an incident which results in a claim under this Policy, there is any other insurance which covers the whole or part of the same loss, damage, expense or liability (including statutory insurance), We are entitled to approach that insurer for a contribution towards the claim, and will only pay Our proportional share (based on the limit of liability).

There is no cover under this Policy for a loss event or liability which is covered under any occupational Injury enactment, or workers compensation enactment or benefit of compensation of a similar nature, which is payable by any other source. This condition does not apply to the Personal Accident (Section C) or Hospital Cash Sections (Section B5 .1). 6. We will have no liability for any benefit in relation to an Insured Event for which You can seek compensation from an airline. If You are able to provide satisfactory proof that You have taken all reasonable and necessary steps to claim from the airline, We will pay a pro rata benefit.

Our liability will be calculated accordingly by reducing the benefits by the amount for which We consider the airline to be liable. 7. We are entitled to take over and carry out in Your name the defence or settlement of any legal action. We may also take proceedings at Our own expense and for Our own benefit, but in Your name, to recover any payment We have made under this Policy to anyone else. 8. You cannot transfer Your rights under this Policy. A person, partnership (whether limited or not) or company which is not named on the Policy Certificate for this Policy has no rights under the Contracts (Rights of Third Parties) Act, 1999, to enforce any of its terms.

9. We will not request or encourage You in any manner to waive any of Your rights or benefits presented by or in terms of the Financial Advisory and Intermediary Services Act, 2002 (Act no 37 0f 2002), General Code of Conduct for Authorised Financial Service Providers and Representatives FAIS Code of Conduct. We will not recognise, accept or act on any such waiver by You. Any such waiver will be considered null and void. 10. We will not be liable or responsible for:

Absa Card Travel Insurance Policy Wording 7 ABSANAC022013 v1 a. The negligence, wrongful acts and/or omissions of any legal and/or health care professional or any other person or legal entity who provides direct or indirect services to You. b. The failure of an agent or broker to adequately explain the terms, conditions, endorsements or termination and exclusions of this Policy. c. Any insurance or other financial products or services which are sold in conjunction with this Policy that are provided or underwritten by any other insurance or assurance company and/or assistance providers and/or financial providers.

11. Should any discrepancy arise between the Policy and any literature received by You, the terms and conditions of this Policy will govern in all cases. 12. This Policy will be voided in the event of any misrepresentation, incorrect description or non-disclosure by or on behalf of You for any particular information material to this insurance. CLAIMS CONDITIONS (these conditions CLAIMS CONDITIONS (these conditions CLAIMS CONDITIONS (these conditions CLAIMS CONDITIONS (these conditions are applicable to the entire policy wording) are applicable to the entire policy wording) are applicable to the entire policy wording) are applicable to the entire policy wording) 1.

We have the right to utilise Your Public Conveyance ticket to offset Our expenses. 2. You must follow Our advice or instruction otherwise We may decline to pay the whole or any part of the claim. 3. You must pay Us back any amount We have paid which You are not covered for.

4. You must give Us notice in writing: a. Within 90 days of an Accident which may give rise to a claim under Section C. In the event of Your death We shall have the right to have a post mortem examination of the body conducted which We will pay for. b. Within 30 days of any occurrence which may give rise to a claim under this Policy. c. You or Your legal representative must pay for any certificates, information and documented evidence which We may need. 5. You, or any person acting for You, must not negotiate, admit or reject any claim without Our permission in writing. 6. We may refuse to pay any expenses for which You cannot provide receipt or bills.

7. You shall submit to medical examination at Our expense as often as shall be required in connection with any claim. Any report generated as a result of such examination shall be Our property and shall be deemed to be confidential information of Ours.

8. Medical treatment shall be sought and followed promptly on the occurrence of an Injury or Illness and We shall not be liable for that part of any claim which in the opinion of a Medical Practitioner arises from the unreasonable or wilful neglect or failure of You to seek and remain under the care of a qualified Medical Practitioner. 9. All claims arising from criminal incidents are to be supported and accompanied by a certified police report. 10. The due observance and fulfilment of the Policy insofar as it relates to anything being done or complied with by You shall be a condition precedent to liability to make payment under this Policy.

11. We shall have the right to access any of Your current and prior medical records in order to finalise and/or proceed with the assessment of a claim and/or render medical assistance. By virtue of this clause, You shall be deemed to have given Us written consent to access any of Your current or prior medical reports. 12. Legal action may be commenced by You or on Your behalf once You have fulfilled Your claims conditions. You can make representations to Us in respect of any decision to reject or dispute a claim or the quantum of a claim for a benefit under the policy within a period of 90 days after the date of receipt of the notice of rejection or dispute.

You also have a further 180 days after expiry of this 90 day period for the institution of legal action. 13. In the event of any payment under this Policy, all recoveries net of Our actual recovery costs will first be distributed to Us for all amounts paid by Us and any remainder will be paid to You.

14. The onus will always be on You to ensure, correctly admit and pay any tax liability in consideration of any benefit being paid that may incur tax or imposts of any nature. 15. No amount payable in terms of this Policy shall bear any interest. CLAIMS PROCEDURES CLAIMS PROCEDURES CLAIMS PROCEDURES CLAIMS PROCEDURES You will need to complete and sign a claim form and submit this to Europ Assistance who is Our claims management company together with all supporting documentation that We require in order to assess Your claim. You can obtain a claim form from our website www.absa.co.za www.absa.co.za www.absa.co.za www.absa.co.za (follow the insurance link) or you can contact Europ Assistance on 00 27 00 27 00 27 00 27 11 991 9521 11 991 9521 11 991 9521 11 991 9521.

Your completed and signed claim form together with all supporting documentation must be sent to Europ Assistance who can be contacted on: Tel: 011 991 9521 to obtain a claim form.

Postal address: Private Bag X20, Weltevreden Park, 1715. Fax: 011 388 3544 Email: assist@europassistance.co.za For every claim We require the following documentation: a. Completed and signed claim forms b. Copies of Your airline tickets c. Your Policy Certificate d. Banking Verification (copy of a cancelled personal cheque or the top section of Your bank statement) The supporting documentation We require in order to process your claim is as follows: (Please note that this is not a full list of supporting documentation required to process Your claim. There may be instances when We require You to provide Us with additional information not listed below Emergen Emergen Emergen Emergency Medical & Related Expenses cy Medical & Related Expenses cy Medical & Related Expenses cy Medical & Related Expenses In the event of a medical emergency You must contact the Medical Emergency Helpline on: 00 00 00 00 27 11 27 11 27 11 27 11 991 9521 991 9521 991 9521 991 9521.

.

. . You can request a reverse charge call from the operator if calling from a landline. You can request a reverse charge call from the operator if calling from a landline. You can request a reverse charge call from the operator if calling from a landline. You can request a reverse charge call from the operator if calling from a landline. Accident Claims: Accident Claims: Accident Claims: Accident Claims: a. Police/Accident report b. Detailed medical report (from the Medical Practitioner that treated You while on Your Trip) c. Contact details of the Medical Practitioner d. Invoices/Receipts of expenses incurred

Absa Card Travel Insurance Policy Wording 8 ABSANAC022013 v1 Illness Claims: Illness Claims: Illness Claims: Illness Claims: a. Diagnosis and detailed medical report (from the Medical Practitioner who treated You while on Your Trip) b. Contact details of the Medical Practitioner c. Medical report from Your South African Medical Practitioner d. Invoices/Receipts of expenses incurred Persona Persona Persona Personal Accident l Accident l Accident l Accident Claims Claims Claims Claims: : : : a. Detailed medical report b. A copy of the death certificate which indicates the cause of death c. A copy of the inquest and post mortem reports d.

A police report if the death is due to a motor vehicle accident Cancellation or Curtailment Cancellation or Curtailment Cancellation or Curtailment Cancellation or Curtailment Claims Claims Claims Claims: : : : In the event that You need to return to South Africa please contact the Medical Emergency Helpline on 00 27 11 00 27 11 00 27 11 00 27 11 991 9521 991 9521 991 9521 991 9521 before You make any travel arrangements.

a. Proof of payments made for travel costs b. Confirmation from travel agent, airline, hotel, tour operator, etc. that no refund is due or portion that is non-refundable c. Proof of cancellation fees or penalties (if applicable) d. Medical reports or a death certificate (or both) indicating the reason or necessity for You to cancel Your Trip or curtail Your Trip e. Proof of additional travel costs incurred in the event of curtailment Baggage Claims: Baggage Claims: Baggage Claims: Baggage Claims: a. A passenger/property irregularity report and baggage tags (proof that baggage was checked in) b.

A police report in the event of theft or loss c. Any settlement advices from the airline d. Quotes/Receipts to replace/repair lost/stolen/damaged items e. Proof of ownership of items that are being claimed for f. Valuation certificates (for jewellery claims) Baggage Delay Baggage Delay Baggage Delay Baggage Delay Claims Claims Claims Claims: : : : a. A passenger/property irregularity report confirming the length of the delay and baggage tags (proof that baggage was checked in) b. Receipts for essential items purchased c. Delivery report from airline/courier (when Your baggage is returned to You) d.

Details of any compensation received from the airline Personal Mon Personal Mon Personal Mon Personal Money and Documents ey and Documents ey and Documents ey and Documents Claims Claims Claims Claims: : : : a. Police and/or passenger/property irregularity report b. Foreign exchange receipts c. Receipts/invoices of costs incurred to replace travel documents Travel Delay Travel Delay Travel Delay Travel Delay Claims Claims Claims Claims: : : : a. A passenger/property irregularity report confirming the length and reason for the delay b. Receipts for essential expenses incurred c. Details of any compensation received from the airline Ticket Upgrade Ticket Upgrade Ticket Upgrade Ticket Upgrade Claims Claims Claims Claims: : : : Report from the airline confirming the overbooking and/or late arrival of incoming flight and non-availability of onward transportation within waiting period Natural Disaster Natural Disaster Natural Disaster Natural Disaster Claims Claims Claims Claims: : : : a.

Report from the appropriate authority confirming the reason and nature of the disaster and how long it lasted b. Receipts for essential expenses incurred Missed Departure Missed Departure Missed Departure Missed Departure Claims Claims Claims Claims: : : : a. Receipts of the extra accommodation and travel costs incurred b. Repairer’s report if missed departure is due to mechanical breakdown of the vehicle in which You were travelling Missed Connection Missed Connection Missed Connection Missed Connection Claims Claims Claims Claims: : : : a. Report from the airline confirming that Your incoming flight arrived late b.

Report from the airline confirming that You missed Your onward connecting flight and that there was no alternative onward transportation available to You within 6 hours of Your arrival c. Receipts for reasonable essential expenses incurred Pet Pet Pet Pet Care Care Care Care Claims Claims Claims Claims: : : : a. Invoices/Receipts from the vet b. Veterinary report Hijack and Wrongful Detention Hijack and Wrongful Detention Hijack and Wrongful Detention Hijack and Wrongful Detention Claims Claims Claims Claims: : : : a. Report from the appropriate authority confirming details of the Hijack/Wrongful detention including the duration of the Hijack/Wrongful detention Legal Ex Legal Ex Legal Ex Legal Expenses and Advice; Personal Liability: penses and Advice; Personal Liability: penses and Advice; Personal Liability: penses and Advice; Personal Liability: Please contact the Medical Emergency Helpline 00 27 11 00 27 11 00 27 11 00 27 11 991 9521 991 9521 991 9521 991 9521

Absa Card Travel Insurance Policy Wording 9 ABSANAC022013 v1 GENERAL EXCLUSIONS ( GENERAL EXCLUSIONS ( GENERAL EXCLUSIONS ( GENERAL EXCLUSIONS (these exclusions these exclusions these exclusions these exclusions applicable to the entire policy wording) applicable to the entire policy wording) applicable to the entire policy wording) applicable to the entire policy wording) We will not pay any claim due to: 1. Your death, Injury, Illness or disability resulting from suicide or attempted suicide, exposure to danger which can reasonably be predicted (unless You are trying to save human life), sexually transmitted disease or Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodefiency Virus (HIV) infection or any related condition and/or the influence or effect of alcohol or drugs (other than drugs taken under medical supervision and not for treating drug addiction); or 2.

A Pre-existing Medical Condition (not applicable to Section B4 but only if Optional Top-up Cover Option 1 or 2 has been purchased or Pre-existing Medical Condition cover under Option 3 has been purchased); or 3. You engaging in occupational activities underground or requiring the use of explosives; or 4. You travelling by air (except as a fare paying passenger in a Public Conveyance) or taking part in other aerial activities; or 5. Your involvement in Manual Work; or 6. You participating in any form of motorcycling; or 7. You not being in possession of the required and/or valid and/or correct travel documents, visas or other required documents; or 8.

Any mental or nervous disorders including but not limited to depression, psychotic disorders, personality disorders, anxiety disorders, mental retardation, autism, substance use disorders, psychosexual disorders and adjustment disorders; or 9. Pregnancy or childbirth where the expected date of delivery is less than 12 weeks before Your planned return date or 16 weeks in the case of a multiple pregnancy; or 10. You participating in any sport as a Professional Player or school sports; or 11. You participating in any hazardous pursuits or activities which introduce or increase the possibility of a loss including but not limited to hunting, bungee jumping, abseiling, mountaineering requiring the use of ropes or equipment, racing, being a crew member on a ship or boat travelling from one country to another, speed or endurance racing, engaging in sports including contact sports, other than as per the Leisure and Winter Sports Activities Extension; or 12.

Any consequence whatsoever which is the direct or indirect result of the following, or anything connected with the following, whether or not contributed by any other cause or event exposure to or active participation in: War, act of foreign enemy hostilities (whether war has been declared or not), riot, civil commotion, civil war, rebellion, revolution, insurrection, military or usurped power or any foreseeable act of Terrorism or violence; or 13. Losses arising out of the intentional use of military force to intercept, prevent or mitigate any known Terrorism Act; or 14. Loss in any way caused or contributed by an act of Terrorism involving the use or release or the threat of any nuclear weapon or device or chemical or biological agent; or 15.

Loss directly or indirectly caused by: a. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of an assembly; or b. Pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds; or 16. Loss or destruction or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss or other loss directly or indirectly caused by or contributed to or arising from ionising radiation or contamination by radio activity from nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

For the purpose of this exclusion only, combustion shall include any self- sustaining process of nuclear fission; or 17. Being in service or on duty with or undergoing training with any military or police force, or militia or paramilitary organisation; or 18. Any transport or accommodation provider, travel agency, tour operator or any person acting as Your agent being declared insolvent or being unable or unwilling to fulfil any part of their obligation to You; or 19. We will not pay any claim as a result of any cardiac or cardiovascular or vascular or cerebrovascular illness or condition including any resultant condition or complications that in the opinion of a Medical Practitioner appointed by Us can reasonably be related thereto for persons aged 70 years or older.

20. Any criminal or illegal act committed by You; or 21. Any indirect or consequential loss that is not described in this Policy. Examples of losses not covered include but are not limited to: telephone calls and faxes, meals, taxi fares, inconvenience, distress, loss of earnings, loss of enjoyment.. War and Terrorism Extension (only applicable if You have purchased the Optional War and Terrorism Extension (only applicable if You have purchased the Optional War and Terrorism Extension (only applicable if You have purchased the Optional War and Terrorism Extension (only applicable if You have purchased the Optional Top Top Top Top- - - -u u u up p p p Cover) Cover) Cover) Cover) General Exclusions 11 and 12 do not apply in respect of Section B – Medical and Associated benefits and Section C – Personal Accident if You have purchased the Optional cover and where your exposure (as defined in General Exclusion 11) is not wilful.

The most We will pay in respect of this extension The most We will pay in respect of this extension The most We will pay in respect of this extension The most We will pay in respect of this extension is up to the maximum amount shown in the Schedule of Benefits. LEISURE AND WINTER SPORTS LEISURE AND WINTER SPORTS LEISURE AND WINTER SPORTS LEISURE AND WINTER SPORTS ACTIVITIES EXTENSION ACTIVITIES EXTENSION ACTIVITIES EXTENSION ACTIVITIES EXTENSION If You participate in any of the following leisure or winter sports activities during Your Trip then We will cover You under Section B – Emergency Medical and Related Expenses, Section C – Personal Accident and Section H – Personal Liability.

For certain leisure and winter sports activities there is no cover under Sections C and H. (Please refer to the table below indicating these restrictions in cover.) Important Notes regarding Leisure and Winter Sports Activities 1. Only activities listed are covered in terms of this policy. If You take part in an activity that is not listed, You will not be covered. 2. This insurance does not cover You while You are taking part in: a. any organised team or contact sport not listed; or b. You participating in any sport as a Professional Player or school sports c. any activity where You are competing in or practicing for speed or timed trials, sprints or racing of any kind.

Absa Card Travel Insurance Policy Wording 10 ABSANAC022013 v1 Leisure Activities Leisure Activities Leisure Activities Leisure Activities Section of Cover included Section of Cover included Section of Cover included Section of Cover included Section of Cover excluded Section of Cover excluded Section of Cover excluded Section of Cover excluded Archery (under supervision) B, C and H Nil Badminton B, C and H Nil Beach cricket, football and volleyball B, C and H Nil Body boarding B and C H – Personal Liability Bowls B, C and H Nil Clay pigeon shooting (under supervision) B, C and H Nil Canoeing, kayaking and rafting (grades 1 & 2 only) B and H C – Personal Accident Curling B, C and H Nil Cycling (not including racing) B, C and H Nil Fencing B, C – Personal Accident and H – Personal Liability Fishing B, C and H Nil Go-karting B and C H – Personal Liability Golf B, C and H Nil Hill and Fell Walking (up to 2000m) B, C and H Nil Hiking (you must be accompanied by a recognised guide or hike using a clearly marked tourist route B, C and H Nil Horse riding (no jumping) B, C and H Nil Ice skating (no speed skating) B, C and H Nil Jet skiing B, and C H – Personal Liability Roller blading or skating B, C and H Nill Rounders B, C and H Nil Rowing B, C and H Nil Sail boarding B, C and H Nil Sailing (inland or coastal waters* only) B and C H – Personal Liability Snorkelling or Scuba diving (You must be accompanied by a qualified instructor) B, C and H Nil Squash B, C and H Nil Surfing B and C H – Personal Liability Swimming B, C and H Nil Table Tennis B, C and H Nil Tennis B, C and H Nil Trampolining B, C and H Nil Water polo B, C and H Nil Water skiing B and C H – Personal Liability Wind surfing B and C H – Personal Liability Winter Sports Activities Winter Sports Activities Winter Sports Activities Winter Sports Activities Section of Cover included Section of Cover included Section of Cover included Section of Cover included Section of Cover excluded Section of Cover excluded Section of Cover excluded Section of Cover excluded Cross country skiing (on recognised paths) B, C and H Nil Skiing (on recognised pistes) B, C and H Nil Snowboarding (on recognised pistes) B, C and H Nil

Absa Card Travel Insurance Policy Wording 11 ABSANAC022013 v1 YOUR COVER YOUR COVER YOUR COVER YOUR COVER SECTION A SECTION A SECTION A SECTION A - - - - THE ABSA TRAVEL ASSISTANT THE ABSA TRAVEL ASSISTANT THE ABSA TRAVEL ASSISTANT THE ABSA TRAVEL ASSISTANT The Absa Travel Assistant is a 24-hour helpline service that helps You sort out all kinds of travel problems whilst You are away on a Trip. Please phone 00 00 00 00 27 11 27 11 27 11 27 11 991 9521 991 9521 991 9521 991 9521, Your Absa Travel Assistant through Our Medical Emergency Assistance Provider will arrange access to the following services: a.

24 24 24 24- - - -hour hour hour hour Worldwide Emergency Medical Assistance Worldwide Emergency Medical Assistance Worldwide Emergency Medical Assistance Worldwide Emergency Medical Assistance – ensure that: o Where necessary hospitals are contacted; and o Necessary medical fees are guaranteed; and o Medical advisers are consulted. b. Transmission of Urgent Messages Transmission of Urgent Messages Transmission of Urgent Messages Transmission of Urgent Messages – – – – endeavour to transmit urgent messages on Your behalf or to You in the event of a medical or travel problem. c. Embassy Referral Embassy Referral Embassy Referral Embassy Referral – – – – endeavour to provide You with relevant details of diplomatic representatives wherever possible.

d. Emergency Travel and Accommodation Requirements Emergency Travel and Accommodation Requirements Emergency Travel and Accommodation Requirements Emergency Travel and Accommodation Requirements – – – –endeavour to provide all reasonable, possible and practical assistance in arranging for emergency alternative accommodation and onward or return transportation if necessary. e. Legal Assistance Legal Assistance Legal Assistance Legal Assistance – – – –endeavour to locate a source of legal counsel and if necessary an advance of funds for bail. The bail funds or bonds are Your responsibility.

f. Bail Bail Bail Bail – – – –endeavour to assist with the posting of bail on Your behalf from funds provided by Your representative for this purpose, subject to foreign exchange approval. g. Loss of travel documents Loss of travel documents Loss of travel documents Loss of travel documents – – – –endeavour to provide all advice regarding the replacement of Your lost or stolen credit cards, travel and other documents required to continue with Your Trip. h. Cash advances Cash advances Cash advances Cash advances – When as a result of theft, loss, Injury or Illness You require funds to pay for travel and accommodation will advise You or Your representative on how to obtain additional funds.

They will charge an administration fee for this advice. SECTION B SECTION B SECTION B SECTION B – – – – EMERGENCY MEDICAL AND ASSOCIATED EXPENSES EMERGENCY MEDICAL AND ASSOCIATED EXPENSES EMERGENCY MEDICAL AND ASSOCIATED EXPENSES EMERGENCY MEDICAL AND ASSOCIATED EXPENSES Section B1 Section B1 Section B1 Section B1 – – – – Emergency Medical and Related Expenses Emergency Medical and Related Expenses Emergency Medical and Related Expenses Emergency Medical and Related Expenses outside of South Africa outside of South Africa outside of South Africa outside of South Africa 1. If You are Injured or fall ill during Your Trip then We will pay for: a.

Emergency medical treatment outside of South Africa (including medical transport services to take You to hospital); and b. Any reasonable extra charges for accommodation of a similar standard to the accommodation You stayed in on Your Trip if You have to extend Your Trip beyond the scheduled return date due to medical reasons. We will also pay the travel costs to get You back Home if You cannot use Your original return ticket to get Home.

Section B2 Section B2 Section B2 Section B2 – – – – Medical Evacuation, Repatriation or Transport to Medical Centre Expenses Medical Evacuation, Repatriation or Transport to Medical Centre Expenses Medical Evacuation, Repatriation or Transport to Medical Centre Expenses Medical Evacuation, Repatriation or Transport to Medical Centre Expenses 1. If You are Injured or fall ill during Your Trip then Our Medical Emergency Assistance Provider may: a. Move You from one location to another location in order for You to receive adequate medical treatment; and/or b. Arrange for Your return to South Africa.

2. We will pay the cost of getting You Home if it is medically necessary and You cannot use Your return ticket. Special Conditions Special Conditions Special Conditions Special Conditions 1. You must phone the Med Med Med Medical Emergency helpline ical Emergency helpline ical Emergency helpline ical Emergency helpline on 00 27 11 00 27 11 00 27 11 00 27 11 991 9521 991 9521 991 9521 991 9521 immediately if You need medical treatment or if You need to return to South Africa. If You do not call Our Medical Emergency Assistance Provider, the most We will pay is R2 000. 2. Our Medical Emergency Assistance Provider will decide how and where to move You.

3. Our Medical Emergency Assistance Provider will arrange for You to be moved or returned Home if they and the treating Medical Practitioner think that it is safe for You to be moved or be returned Home.

4. Should You choose not to return to South Africa, Our liability will end on the date it was deemed safe for You to return to South Africa. The most We will pay (under Sections B1 and B2) The most We will pay (under Sections B1 and B2) The most We will pay (under Sections B1 and B2) The most We will pay (under Sections B1 and B2) is up to the maximum amount shown in the Schedule of Benefits. Exces Exces Exces Excess (applicable to Sections B1 and B2) s (applicable to Sections B1 and B2) s (applicable to Sections B1 and B2) s (applicable to Sections B1 and B2) 1. We will not pay the first R2 000 of Your claim under the automatic cover.

2. We will not pay the first R500 of Your claim for out-patient treatment under the Optional Top-up Cover. The Excess is waived for in-patient treatment if You have purchased the Optional Top-up Cover.

Section B3 Section B3 Section B3 Section B3 - - - - Medical Assistance Medical Assistance Medical Assistance Medical Assistance benefit benefit benefit benefits: s: s: s: Our Medical Emergency Assistance Provider will provide You (where possible) with the following medical assistance services: a. Medical Referral Medical Referral Medical Referral Medical Referral – – – –will endeavour to arrange for medical attention and hospitalisation if necessary. b. Medical Monitoring Medical Monitoring Medical Monitoring Medical Monitoring – – – –will endeavour to provide continued medical monitoring of Your condition if necessary.

c. Emergency Medicine Emergency Medicine Emergency Medicine Emergency Medicine – – – – If special medicines are not available locally, will endeavour to assist You with obtaining and despatching these medicines. Section B4 Section B4 Section B4 Section B4 – – – – Pre Pre Pre Pre- - - -existing existing existing existing Medical Conditions Cover (Only applicable if Medical Conditions Cover (Only applicable if Medical Conditions Cover (Only applicable if Medical Conditions Cover (Only applicable if You You You You have purchased have purchased have purchased have purchased Optional Top Optional Top Optional Top Optional Top- - - -up up up up Cover Option Cover Option Cover Option Cover Option 1 or 2 or if you have purchased 1 or 2 or if you have purchased 1 or 2 or if you have purchased 1 or 2 or if you have purchased Pre Pre Pre Pre- - - -Existing Medical Conditions Existing Medical Conditions Existing Medical Conditions Existing Medical Conditions cover un cover un cover un cover under der der der Option Option Option Option 3) 3) 3) 3) If as a result of a Pre-existing Medical condition You require medical treatment while on Your Trip then We will pay for: 1.

Emergency medical and related expenses outside of South Africa (section B1); and/or 2. Medical evacuation, repatriation or transport to medical centre expenses (section B2); and/or 3. Associated Expenses (section B6).

Special Conditions Special Conditions Special Conditions Special Conditions You must be hospitalised as an in-patient for more than 48 hours. The most We will pay (under Sections B4) The most We will pay (under Sections B4) The most We will pay (under Sections B4) The most We will pay (under Sections B4) is up to the maximum amount shown in the Schedule of Benefits. Excess (applicable to Sections B4) Excess (applicable to Sections B4) Excess (applicable to Sections B4) Excess (applicable to Sections B4) We will not pay the first R1 000 of Your claim.

Absa Card Travel Insurance Policy Wording 12 ABSANAC022013 v1 What is not covered What is not covered What is not covered What is not covered under Section B4 under Section B4 under Section B4 under Section B4? ? ? ? In addition to anything mentioned in the General Exclusions We will not pay any claim due to or for: 1.

Any medical expenses where a Medical Practitioner has advised You not to travel due to medical reasons; or 2. Any claim as a result of any cardiac or cardiovascular or vascular or cerebrovascular illness or condition including any resultant condition or complications that in the opinion of a Medical Practitioner appointed by Us can reasonably be related thereto for persons aged 70 years or older. Section B5 Section B5 Section B5 Section B5 – – – – Hospital Hospital Hospital Hospital benefit benefit benefit benefit And Holiday Disruption And Holiday Disruption And Holiday Disruption And Holiday Disruption If You are claiming for medical expenses that are covered under Section B1 – Emergency Medical and Related Expenses outside of South Africa, we will also: 1.

Pay You for every 24 hours You are being treated as an in-patient for the incidental expenses You may incur as reflected in the Schedule of Benefits. 2. Pay towards the cost of Your original holiday, as reflected in the Schedule of Benefits for the disruption of Your holiday if You are treated as an in- patient in a hospital for longer than five consecutive days.

Section B6 Section B6 Section B6 Section B6 – – – – Associated Expenses Associated Expenses Associated Expenses Associated Expenses B6.1 B6.1 B6.1 B6.1 – – – – Visit by a Family Visit by a Family Visit by a Family Visit by a Family Member Member Member Member If You are travelling alone and are hospitalised We will pay for reasonable additional accommodation and travelling expenses (but excluding telephone calls, meals, taxis and beverages) necessarily incurred by Your Family Member, who on the advice of a Medical Practitioner appointed by Us travels to and remains with You until You are fit to resume Your Trip or return Home.

B6.2 B6.2 B6.2 B6.2 – – – – Return of Children Return of Children Return of Children Return of Children If Your accompanying children are left stranded in the event of Your hospitalisation, repatriation or death, We will arrange and pay for their transportation to return Home with a qualified escort if necessary, provided they are also insured by Us. B6.3 B6.3 B6.3 B6.3 – – – – Return of Travelling Return of Travelling Return of Travelling Return of Travelling Companion Companion Companion Companion If Your Travelling Companion is left stranded in the event of Your hospitalisation, repatriation or death, We will arrange and pay for their transportation to return Home with a qualified escort if necessary provided they are also insured with Us.

B6.4 B6.4 B6.4 B6.4 – – – – Burial, Cremation or Return of Mortal Remains Burial, Cremation or Return of Mortal Remains Burial, Cremation or Return of Mortal Remains Burial, Cremation or Return of Mortal Remains In the event of Your death, We will pay the reasonable costs in respect of funeral, burial or cremation expenses in the country where Your death occurred or the reasonable costs of returning Your body or Your ashes to South Africa. What is not covered under Sections B1 What is not covered under Sections B1 What is not covered under Sections B1 What is not covered under Sections B1, 2,3,4,5 , 2,3,4,5 , 2,3,4,5 , 2,3,4,5 and 6? and 6?

and 6? and 6? In addition to anything mentioned in the General Exclusions We will not pay any claimr: 1. for a medical condition if You have travelled against the advice of a South African Medical Practitioner or would be travelling against the advice of a South African Medical Practitioner if You had taken such advice; or 2. due to a Pre-existing Medical Condition (unless Optional Top-up Cover Option 1 or 2 has been purchased or under option 3 Pre-existing Medical Condition cover has been purchased); or 3. for a medical condition You were planning to get medical treatment for during Your Trip; or 4.

for: a. The cost of in-patient hospital treatment or going Home early that Our Medical Emergency Assistance Provider has not agreed to beforehand; or b. The cost of any non-emergency treatment or surgery including exploratory tests which are not directly related to the Illness or Injury that You originally went to hospital for; or c. Any form of treatment that Your treating Medical Practitioner and Our Medical Emergency Assistance Provider think can reasonably wait until You return to South Africa; or d. Cosmetic surgery; or e. Any extra costs because You want a single or private room; or f.

Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre; or g. Any treatment after You have returned to South Africa; or 5. as a result of any cardiac or cardiovascular or vascular or cerebrovascular illness or condition including any resultant condition or complications that in the opinion of a Medical Practitioner appointed by Us can reasonably be related thereto for persons aged 70 years or older. 6. For costs incurred following Your unreasonable delay in seeking medical advice and/or treatment either prior to or after commencement of the Trip; or 7.

For any costs relating to: a. Contraceptive devices, prosthetic devices, medical appliances and/or artificial aids; or b. Preventative treatment, including but not limited to any vaccinations and/or immunisation; or c. Physiotherapy/Chiropractic charges exceeding R1 000 unless You are hospitalised for at least 24 hours; or d. Out-patient medical treatment unless prescribed by a Medical Practitioner; or 8. Any claim resulting from a tropical disease where You have not had the required inoculations and/or taken the recommended medication. SECTION C SECTION C SECTION C SECTION C – – – – PERSONAL ACCIDENT PERSONAL ACCIDENT PERSONAL ACCIDENT PERSONAL ACCIDENT Section C1 Section C1 Section C1 Section C1 – – – – Death and Disability Death and Disability Death and Disability Death and Disability 24 24 24 24 – – – – Hour Cover Hour Cover Hour Cover Hour Cover If during Your Trip You suffer an Injury which results in an Insured Event described in the Table of Benefits below then We will pay to You or Your legal representative the compensation as listed below subject to the Personal Accident limit as reflected in the Schedule of Benefits.

Public Conveyance Public Conveyance Public Conveyance Public Conveyance If You are travelling as a fare-paying passenger in a Public Conveyance which suffers a catastrophe such as a collision, it sinks or explodes that directly results in Your Death or Disability We will pay the amount stated in the Schedule of Benefits to Your stated beneficiary or legal representative.

Absa Card Travel Insurance Policy Wording 13 ABSANAC022013 v1 Table of Table of Table of Table of Benefits (applicable to Section C only) Benefits (applicable to Section C only) Benefits (applicable to Section C only) Benefits (applicable to Section C only) Compensation of the Personal Accident Compensation of the Personal Accident Compensation of the Personal Accident Compensation of the Personal Accident benefit benefit benefit benefit as reflected in the as reflected in the as reflected in the as reflected in the Schedule of Benefits Schedule of Benefits Schedule of Benefits Schedule of Benefits 1 1 1 1.

Death . Death . Death . Death 1.1. As a result of an Accident 100% 1.2. Exposure to the elements of nature as a direct result of an Accident 100% 1.3. Disappearance 100% 2 2 2 2. Permanent Total Disablement . Permanent Total Disablement . Permanent Total Disablement . Permanent Total Disablement 2.1. As a result of an Accident 100% 2.2. Exposure to the elements of nature as a direct result of an Accident 100% 3 3 3 3. Permanent disability . Permanent disability . Permanent disability . Permanent disability 3.1. Permanent and Total Loss of one or more limbs 100% 3.2.Permanent and Total Loss of Sight in: One eye 50% Both eyes 100% 3.3.

Permanent and Total Loss of Hearing in: One ear 50% Both ears 100% 3.4. Permanent and Total Loss of Speech 100% 3.5. Total Paralysis 100% 3.6. Total Permanent and Incurable Insanity 100% Section C2 Section C2 Section C2 Section C2 – – – – Credit Card Balance Credit Card Balance Credit Card Balance Credit Card Balance If an Injury during Your Trip results in Your death within 12 months of the event and you have a debit balance on your Absa Credit Card, We will pay Your nominated beneficiary or legal representative the credit card balance benefit. The most We will pay is the maximum amount shown in the Table of Benefits.

Section C3 Section C3 Section C3 Section C3 – – – – Seniors Personal Accident Seniors Personal Accident Seniors Personal Accident Seniors Personal Accident Table of benefits Table of benefits Table of benefits Table of benefits Compensation of the Seniors Personal Accident Compensation of the Seniors Personal Accident Compensation of the Seniors Personal Accident Compensation of the Seniors Personal Accident benefit benefit benefit benefit as reflected as reflected as reflected as reflected in the Schedule of Benefits in the Schedule of Benefits in the Schedule of Benefits in the Schedule of Benefits 1 1 1 1.

Death . Death . Death . Death 1.1. As a result of an Accident 100% 1.2. Exposure to the elements of nature as a direct result of an Accident 100% 1.3. Disappearance 100% Specific Definitions Specific Definitions Specific Definitions Specific Definitions (which are only applicable to Section C) (which are only applicable to Section C) (which are only applicable to Section C) (which are only applicable to Section C) Disappearance Disappearance Disappearance Disappearance means if You disappear during a Trip and after 12 calendar months it is reasonable for Us to believe that You may have died due to an Injury or Accident.

Exposure Exposure Exposure Exposure means accidental exposure to the elements of nature as a direct result of an Accident. Permanent Permanent Permanent Permanent means the condition that has lasted for at least 24 consecutive months and at the end of that period there is no hope of improvement. Permanent and Total Loss of one or more li Permanent and Total Loss of one or more li Permanent and Total Loss of one or more li Permanent and Total Loss of one or more limbs mbs mbs mbs means in reference to a hand (meaning the entire hand below the wrist) or foot (meaning the entire foot below the ankle) the loss by physical severance or the Permanent and Total Loss of use of said member.

Permanent and Total Loss of Hearing Permanent and Total Loss of Hearing Permanent and Total Loss of Hearing Permanent and Total Loss of Hearing means the total and irreversible loss of hearing of all sounds confirmed by medical evidence relying on audio-metric and sound threshold tests.

Permanent and Total Loss of Sight Permanent and Total Loss of Sight Permanent and Total Loss of Sight Permanent and Total Loss of Sight means the total and irreversible loss of sight which will be deemed to have occurred if the degree of sight remaining after correction is 3/60 or less on the snellen scale. Permanent and Total Loss of Speech Permanent and Total Loss of Speech Permanent and Total Loss of Speech Permanent and Total Loss of Speech means the total irreversible loss of the ability to speak or the inability to make a comprehensible verbal language. Medical evidence shall confirm Injury to the vocal cords.

All psychiatric causes are excluded.

Permanent Total Disablemen Permanent Total Disablemen Permanent Total Disablemen Permanent Total Disablement means total and complete disablement which entirely prevents You from engaging in or giving attention to Your usual or any occupation for which You are qualified or have received specialised training and which will in all probability be lasting for Your lifetime. The diagnosis and determination of the Permanent Total Disablement must be made by a Medical Practitioner appointed by Us and must be continuous and permanent for at least 24 consecutive months from the onset of the disablement.

Total Paralysis Total Paralysis Total Paralysis Total Paralysis means the complete and Permanent loss of use of both arms or both legs, or one arm and one leg through paralysis. Total Permanent and incurabl Total Permanent and incurabl Total Permanent and incurabl Total Permanent and incurable insanity e insanity e insanity e insanity means You have been diagnosed as permanently and incurably insane according to the usual and customary standards of the medical profession. This is provided that two Medical Practitioners, one of whom shall be the attending Medical Practitioner, have personally examined You and concur in their medical opinion that You are permanently and incurably, of unsound mind and incapable of managing Your own affairs.

Their written statement to this effect shall be signed by them in the presence of two identifiable witnesses who are not related to You by blood or marriage and who would not be entitled to any portion of Your estate. Neither witness may be an employee of the attending Medical Practitioner or the health facility in which You are a patient or any person who has a claim against any portion of Your estate. The permanent and incurable insanity must have resulted directly from Injury or Accident.

Special Conditions Special Conditions Special Conditions Special Conditions 1. The death or disability must happen within 24 months of the Accident. 2. You can only claim for one item under Section C1 or C3.

Absa Card Travel Insurance Policy Wording 14 ABSANAC022013 v1 3. Compensation will be paid to You, Your nominated beneficiary or legal representative. 4. Any compensation made as a result of Disappearance will be refunded to Us should it later be demonstrated that You did not die as a result of an Injury. 5. The most We will pay is the maximum amount shown in the Schedule of Benefits, other than for Children where the benefit paid will be subject to the limitations under Section 53 of the Short-term Insurance Act, 1998.

What is not What is not What is not What is not covered under Sections C1, C2 and C3? covered under Sections C1, C2 and C3? covered under Sections C1, C2 and C3? covered under Sections C1, C2 and C3? In addition to anything mentioned in the General Exclusions We will not pay: 1. Any claim for sickness, disease, nervous shock or naturally occurring conditions or degenerative processes. SECTION D SECTION D SECTION D SECTION D – – – – TRIP CANCELLATION OR TRIP CANCELLATION OR TRIP CANCELLATION OR TRIP CANCELLATION OR CURTAILMENT (this cover is only applicable CURTAILMENT (this cover is only applicable CURTAILMENT (this cover is only applicable CURTAILMENT (this cover is only applicable if if if if You have purchased the Optional You have purchased the Optional You have purchased the Optional You have purchased the Optional Top Top Top Top- - - -up up up up Cover) Cover) Cover) Cover) SECTION D1 SECTION D1 SECTION D1 SECTION D1 – – – – CANCELLATION CANCELLATION CANCELLATION CANCELLATION If You are unable to start Your Trip due to any of the following reasons: 1.

You, Your Spouse, a Close Business Associate, a Family Member or any person You were going to stay with is Injured, falls ill or dies; or 2. The Public Conveyance which You were scheduled to use for travel is cancelled or diverted due to strikes or other industrial actions, unless there was a media warning 24-hours before the date the particular Trip was booked; or 3. You or Your Travelling Companion are called as a witness in a court of law during the Period of Insurance; or 4. You, Your Spouse or Your Travelling Companion are Retrenched. This cover does not apply to self-employed people; or 5.

Your Home or Your Travelling Companion’s Home is badly damaged by fire, storm or flood within seven days prior to the start of Your Trip; or 6. Loss or theft of Your travel documents, including travel tickets, passports and/or visas; or 7. A Traumatic Event that occurs, within 30 days of the start date of Your Trip, to You; Your Spouse; Children; the person abroad with whom You intended to stay; a Family Member or Close Business Associate where medical advice has been sought and You have been advised not to travel. Then We will cover You for: 1. Travel and accommodation expenses, the cost of tours and activities and the cost of visas which you have paid for and cannot get back or are contractually obliged to pay for; and/or 2.

Unused kennel or cattery fees up to R2 000 which You have paid or legally have to pay and cannot recover. Specific Definition Specific Definition Specific Definition Specific Definition Retrenched/Retrenchment Retrenched/Retrenchment Retrenched/Retrenchment Retrenched/Retrenchment means the termination of an employee’s services where the specific job no longer exists as a consequence of a variety of possible factors including advances in technology, permanent changes in operations, processes or markets, closure of an operation or is an exercise whereby management decides to reduce the number of employees due to a downturn of the economy or poor performance but excluding: 1.

Where You are the owner or co-owner of the business exercising the Retrenchment programme or where You are a director of the company where it is found that the directors were instrumental in the demise of the company; or 2. Illness or Injury; or 3. Resignation from normal occupation or voluntary retrenchment; or 4. Where the Government nationalises or takes over the business; or 5. Prior knowledge that Retrenchment would happen when the Policy was purchased; or 6. The Policy was purchased whilst the company was restructuring Special Condition Special Condition Special Condition Special Condition All claims resulting from death, Injury, or Illness must be supported by medical reports or a death certificate (or both) indicating the necessity to cancel Your Trip.

The most We will pay The most We will pay The most We will pay The most We will pay is up to the maximum amount shown in the Schedule of Benefits. Excess Excess Excess Excess We will not pay the first R500 of each claim for cancellation. SECTION D2 SECTION D2 SECTION D2 SECTION D2 – – – – CURTAILM CURTAILM CURTAILM CURTAILMENT ENT ENT ENT If Your trip is curtailed (either shortened or altered) due to: 1. Your unexpected death, Injury or illness or the unexpected death, Injury or illness of Your Spouse, Close Business Associate, Family Member or Travelling Companion; or 2. Your Home or Your Travelling Companion’s Home is badly damaged by fire, storm or flood; or 3.

The loss or theft of travel documents (travel tickets, passports and visas). Then We will cover You for: 1. The cost of unused travel and accommodation that You have paid for before starting Your Trip, or legally have to pay, and cannot recover; or 2. Additional travel and accommodation costs (excluding any expenses for meals, drinks or telephone costs) You may incur to allow You to return Home early or to continue with Your Trip; or 3. The cost of unused kennel or cattery fees up to R2 000 that You have paid for before starting Your Trip, or legally have to pay and cannot recover. Special Conditions Special Conditions Special Conditions Special Conditions 1.

If you need to return to South Africa and intend to make a claim under this section, You must phone our Medical Emergency Assistance Provider Medical Emergency Assistance Provider Medical Emergency Assistance Provider Medical Emergency Assistance Provider immediately on 00 27 11 00 27 11 00 27 11 00 27 11 991 9521 991 9521 991 9521 991 9521. 2. All claims resulting from death, Injury or Illness must be supported by medical reports or a death certificate (or both) indicating the reason for abandoning Your Trip.

The most We will pay The most We will pay The most We will pay The most We will pay is up to the maximum amount shown in the Schedule of Benefits. Excess Excess Excess Excess We will not pay the first R500 of each curtailment claim.

Absa Card Travel Insurance Policy Wording 15 ABSANAC022013 v1 What is not covered What is not covered What is not covered What is not covered under Section D under Section D under Section D under Section D? ? ? ? In addition to anything mentioned in the General Exclusions We will not pay for any claim: 1. As a result of a Pre-existing Medical Condition; or 2.

If You have travelled against the advice of a South African Medical Practitioner or would be travelling against the advice of a South African Medical Practitioner if You had taken such advice; or 3. If any person (Your Spouse, Close Business Associate, Family Member or Travelling Companion) upon whose good health Your Trip depends had a serious chronic or recurring Illness, Injury or disease prior to You booking Your Trip or purchasing Your optional cover; or 4. For additional travelling expenses if You did not originally have a return ticket to South Africa; or 5. Made because You do not feel like travelling or 6.

Due to Government prohibition; or 7. For unused travel or accommodation arranged by using Air Miles or similar promotions; or 8. Due to You not being in possession of the required and/or valid and/or correct travel documents, visas or other required documents; or 9. Due to any business or employment commitment or financial or contractual obligation of Your’s or any other person on whom the Trip is dependent; or 10. Due to the inability of any tour operator or wholesaler to complete arrangements for any group or tour due to a deficiency in the required number of persons to commence any tour or travel; or 11.

Due to any transport or accommodation provider, travel agency, tour operator or any person acting as Your agent being declared insolvent or being unable or unwilling to fulfil any part of their obligation to You; or 12. Due to adverse weather conditions; or 13. Due to Your financial circumstances or insolvency; or 14. For a refund of any costs for persons not named on this Policy; or 15. For management fees, maintenance costs or exchange fees associated with time-shares and similar arrangements; or 16. For any rebooking fees that may be incurred as a result of You cancelling Your original trip.

SECTION E SECTION E SECTION E SECTION E – – – – BAGGAGE COVER (this cover is only applicable BAGGAGE COVER (this cover is only applicable BAGGAGE COVER (this cover is only applicable BAGGAGE COVER (this cover is only applicable if if if if You have purchased the Optional You have purchased the Optional You have purchased the Optional You have purchased the Optional Top Top Top Top- - - -up up up up Cover) Cover) Cover) Cover) If during Your Trip Your Baggage and/or Personal Belongings are lost, stolen or accidentally damaged then We will pay You the replacement value of Your Baggage and/or Personal Belongings that are lost, stolen or accidentally damaged Special Conditions Special Conditions Special Conditions Special Conditions 1.

You must take reasonable care to keep Your Baggage and Personal Belongings safe. 2. Valuables must be carried by You at all times or stored in a safety deposit box at the time of loss. 3. If Your Baggage and Personal Belongings are lost or damaged by an authority, a transport company or hotel, You must report the details of loss or damage to them in writing and get written confirmation.

4. If Your Baggage and Personal Belongings are damaged by an airline, You must: a. Get a passenger/property irregularity report; and b. Give written notice of the claim to the airline within the time limit as per the conditions of the carrier (You should also keep a copy). 5. Keep all travel tickets and tags if You claim under this section of the Policy. 6. If Your Baggage and Personal Belongings are lost or damaged and it can be attributed to theft or vandalism it must be reported to the local police within 24-hours after the discovery of loss and a written police report obtained.

7.

If Your Baggage and Personal Belongings are lost or stolen, You must take all reasonable steps to get it back. 8. You must be able to prove that You were responsible for the lost, stolen or damaged items and how much they are worth. If You do not do this, it may affect Your claim. 9. If You have also made a claim under Section G6 – Baggage Delay then only this amount will be deducted from the amount claimed under this section. 10. You must in respect of Baggage and Personal Belongings, which may become the subject of a claim: a. Exercise all reasonable care for the safety, security and supervision thereof at all times and must not leave property Unattended in a public place or in any unlocked vehicle, room or building; and b.

Endeavour to minimise any loss; and c. Not abandon any damaged property. The most We will pay The most We will pay The most We will pay The most We will pay is up to the maximum amount shown in the Schedule of Benefits, but no more than: 1. 25% of the total baggage limit as reflected in the Schedule of Benefits for any one article, pair or set of articles and Contact lenses/prescription spectacles and/or sunglasses which are limited to a maximum of R750 per pair over and above any excess.

2. A camera and/or video camera, its lenses and fittings and the camera case shall be deemed to be a single item. 3. A mobile/satellite phone and its fittings (including photographic fittings) shall be deemed to be a single item and is limited to R1 000. 4. A laptop, palmtop, notebook, tablet or similar personal computer and any fittings and/or accessories including software disks/storage/mechanisms shall be deemed to be a single item and shall be limited to R5 000 per insured person. 5. Golf clubs, golf bags and golf equipment shall be deemed to be a single item. 6. The basis of settlement under this section will be the replacement value of items and at Our discretion We may choose to replace, repair or pay for the loss in cash.

7. With respect to wear and tear: a. We will pay a maximum of 75% of the replacement value of items purchased more than 12 months prior to the start of the Trip, decreasing thereafter at 10% per year from the date of purchase. b. We will pay the replacement value (which We will determine) of items purchased within 12 months of the start of the Trip or during the Trip. Excess Excess Excess Excess We will not pay We will not pay We will not pay We will not pay You the first R500 of each claim.

Absa Card Travel Insurance Policy Wording 16 ABSANAC022013 v1 What is not covered What is not covered What is not covered What is not covered under Section E under Section E under Section E under Section E? ? ? ? In addition to anything mentioned in the General Exclusions We will not pay any claim due to or for: 1.

Damage or loss arising from electrical or mechanical breakdown of any item; or 2. Damage or loss of any electrical data, applications or software; or 3. Damage or loss of fragile articles (other than cameras, binoculars and spectacles) unless caused by fire or accident involving the transport in which they are being carried; or 4. Cracking, scratching or breaking of glass (except lenses in cameras, binoculars, telescopes, or spectacles) china or similar fragile articles; or 5. Damage or loss arising from normal wear and tear, decay, a defective feature of the object itself, loss of value and damage caused by moths and vermin, deterioration, atmospheric or climatic conditions, mould or fungus, insects, rodents, or any process of cleaning, ironing, pressing, repairing, restoring or alteration; or 6.

Delay, detention, destruction or confiscation by customs officials or other authorities; or 7. Loss or theft of Baggage and/or Personal Belongings You have left Unattended; or 8. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft or any other aerial device travelling at sonic or supersonic speeds; or 9. Pedal cycles and medical and dental fittings; or 10. Any loss or theft You do not report to the police within 24 hours of discovery and get a written report for. (Where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or hotel); or 11.

Sports equipment damaged while it is being used; or 12. Winter sports equipment; or 13. Items used in connection with Your job, which are not owned by You; or 14. Bonds, securities or documents of any kind; or 15. Loss or damage to Valuables not carried on You while You are travelling; or 16. Loss or theft of Valuables that are left Unattended, unless in a safety deposit box; or 17. Losses recoverable from any other sources such as airlines or other insurance; or 18. The contractual obligations resulting from the loss of a mobile or satellite phone, tablet or similar personal computer. 19.

Any goods intended for sale or trade.

SECTION F SECTION F SECTION F SECTION F – – – – PERSONAL MONEY AND LOSS OF PASSPORT PERSONAL MONEY AND LOSS OF PASSPORT PERSONAL MONEY AND LOSS OF PASSPORT PERSONAL MONEY AND LOSS OF PASSPORT (this cover is only applicable i (this cover is only applicable i (this cover is only applicable i (this cover is only applicable if f f f You have purchased the Optional You have purchased the Optional You have purchased the Optional You have purchased the Optional Top Top Top Top- - - -u u u up p p p Cover) Cover) Cover) Cover) SECTION F1 SECTION F1 SECTION F1 SECTION F1 – – – – PERSONAL MONEY PERSONAL MONEY PERSONAL MONEY PERSONAL MONEY If whilst on Your Trip Your Personal Money is lost or stolen then We will compensate You for the loss or theft of Your Personal Money.

Contact Our Medical Emergency Assistance Provider on 00 2711 00 2711 00 2711 00 2711 991 9521 991 9521 991 9521 991 9521 and We will advise You how to replace lost or stolen Personal Money and documents.

Special Conditions Special Conditions Special Conditions Special Conditions 1. You must report any loss or theft of Personal Money and documents to the police within 24-hours of discovery and obtain a written report from the police. 2. You must always take reasonable care to keep Your Personal Money and documents safe. If Your Personal Money and documents are lost or stolen You must take all reasonable steps to get it back. 3. You must be able to prove that You owned the lost or stolen Personal Money and documents and how much it is worth. If You do not, it may affect Your claim.

4.

Any loss of credit cards, travellers cheques or travel documents must be reported within 24-hours to the issuing authority and the appropriate cancellation measures taken. The onus will always be on You to prove that We were not prejudiced in any way as a result of late reporting. The most We will pay The most We will pay The most We will pay The most We will pay is up to the maximum amount shown in the Schedule of Benefits. Excess Excess Excess Excess We will not pay We will not pay We will not pay We will not pay You the first R500 of each claim. What is not covered What is not covered What is not covered What is not covered under Section F1 under Section F1 under Section F1 under Section F1? ?

? ? In addition to anything mentioned in the General Exclusions We will not pay any claim due to or for: 1. Any loss or theft which You do not report to the police within 24-hours of discovery and do not get a written report from the police; or 2. Any Personal Money which is delayed, detained or confiscated by customs or other officials; or 3. Bonds, securities or documents of any kind; or 4. Loss or theft of Personal Money not carried on You while You are travelling; or 5. Loss or theft of Personal Money that is left Unattended, unless in a safety deposit box; or 6. Shortages due to a mistake, or loss due to a change in exchange rates.

SECTION F2 SECTION F2 SECTION F2 SECTION F2 – – – – LOSS OF PASSPORT LOSS OF PASSPORT LOSS OF PASSPORT LOSS OF PASSPORT If on Your Trip Your passport is lost or stolen, then We will pay for the reasonable additional travel, accommodation and communication expenses that You may incur in order to obtain a temporary passport; as well as the cost of the temporary passport and visas in order for You to continue with Your Trip or return to South Africa.

Contact Our Medical Emergency Assistance Provider on 00 2711 00 2711 00 2711 00 2711 991 9521 991 9521 991 9521 991 9521 and We will advise You how to replace lost or stolen passports. Special Condition Special Condition Special Condition Special Condition 1. You must report any loss or theft of Your passport to the police within 24 hours of discovery and get a written police report. 2. You must always take reasonable care to keep Your passport safe. If Your passport is lost or stolen You must take all reasonable steps to get it back. The most We will pay The most We will pay The most We will pay The most We will pay is up to the maximum amount shown in the Schedule of Benefits.

Absa Card Travel Insurance Policy Wording 17 ABSANAC022013 v1 Excess Excess Excess Excess We will not pay We will not pay We will not pay We will not pay You the first R500 of each claim. What is not covered What is not covered What is not covered What is not covered under section F2 under section F2 under section F2 under section F2? ? ? ? In addition to anything mentioned in the General Exclusions We will not pay any claim due to or for: 1. Any loss or theft of Your passport if You do not report it to the police within 24 hours of discovery and get a written police report; or 2. Any loss of theft of Your passport while it is left Unattended.

SECTION G SECTION G SECTION G SECTION G – – – – TRAVELLING INCONVENIENCE BENEFITS (this cover is only applicable i TRAVELLING INCONVENIENCE BENEFITS (this cover is only applicable i TRAVELLING INCONVENIENCE BENEFITS (this cover is only applicable i TRAVELLING INCONVENIENCE BENEFITS (this cover is only applicable if f f f You have purchased the Optional You have purchased the Optional You have purchased the Optional You have purchased the Optional Top Top Top Top- - - -u u u up p p p Cover) Cover) Cover) Cover) SECTION G1 SECTION G1 SECTION G1 SECTION G1 – – – – MISSED DEPARTURE MISSED DEPARTURE MISSED DEPARTURE MISSED DEPARTURE If You arrive at the final point of departure on Your trip too late to board the Public Conveyance operating on land, air or water on which You are booked to travel from South Africa or on the final part of Your return Trip to South Africa, as a direct result of: 1.

Failure of scheduled public transport services; or 2. Delay in making a connecting flight; or 3. Accidental damage to or breakdown of the vehicle in which You were travelling to reach the final point of departure. Then We will reimburse You for the extra accommodation and travel costs You have to pay to reach Your destination. Special conditions Special conditions Special conditions Special conditions 1. You must do everything You can to get to the international departure point on time as specified. 2. You must get a repairer’s report if You are claiming because the vehicle You were travelling in was involved in an accident or broke down.

The most We will pay The most We will pay The most We will pay The most We will pay is up to the maximum amount shown in the Schedule of Benefits. Excess Excess Excess Excess We will not pay the first R500 of each claim. SECTION G2 SECTION G2 SECTION G2 SECTION G2 – – – – MISSED CONNECTION MISSED CONNECTION MISSED CONNECTION MISSED CONNECTION If You miss Your onward connecting flight because of the late arrival of Your confirmed incoming flight and there is no alternative onward transportation available to You within 6 hours of Your arrival due to circumstances beyond Your control, then We will reimburse You for the reasonable essential expenses You incur in respect of hotel accommodation, restaurant meals and refreshments; only if the airline or any third party does not provide You with compensation.

Special Conditions Special Conditions Special Conditions Special Conditions You must get written proof from the airline of the late arrival of Your incoming flight and confirmation that You missed Your onward connecting flight. This proof must be submitted with any claim against original receipts for essential expenses incurred. The most We will pay The most We will pay The most We will pay The most We will pay is up to the maximum amount shown in the Schedule of Benefits. Excess Excess Excess Excess We will not pay the first R500 of each claim. What is not covered What is not covered What is not covered What is not covered under Section G1 and G2 under Section G1 and G2 under Section G1 and G2 under Section G1 and G2? ?

? ? In addition to anything mentioned in the General Exclusions We will not pay any claim due to or for: 1. Any loss arising from Your failure to check in according to the itinerary supplied to You. (You must obtain written confirmation from the airline or their handling agents of the number of hours delayed and the reasons for the delay); or 2. Any loss that is covered by any other existing insurance scheme, government programme or which will be paid or refunded by a hotel, airline, travel agent or any other provider of travel or accommodation; or 3. A strike or industrial action that was planned before You booked Your Trip or purchased Your optional cover or for which advance notice had been given on or before the date on which the Trip commenced.

SECTION G3 SECTION G3 SECTION G3 SECTION G3 – – – – TRAVEL DELAY TRAVEL DELAY TRAVEL DELAY TRAVEL DELAY If Your Trip is delayed for more than 6 hours as a result of: 1. An accident involving the transport in which You arranged to travel or were travelling in for the purpose of reaching the point of departure from which You had intended commencing Your onward Trip; or 2. Delayed departure of a scheduled Public Conveyance because of industrial strike and/or action, adverse weather conditions, natural disasters in the country You are travelling through, mechanical/electrical breakdown or public services failure; or 3.

Loss or theft of travel documents (travel tickets, passports and visas). Then We will reimburse You for the extra accommodation and travel costs You have to pay. Special Conditions Special Conditions Special Conditions Special Conditions 1. You must get written proof from the transport provider which must be submitted with any claim against original receipts for extra accommodation and travel costs incurred.

2. The travel delay must exceed the Excess waiting period of 6 hours. The most We will pay The most We will pay The most We will pay The most We will pay is up to the maximum amount shown in the Schedule of Benefits. We will also pay up to R2 000 for cattery/kennel costs. What is not covered What is not covered What is not covered What is not covered under under under under Section Section Section Section G3 G3 G3 G3? ? ? ? In addition to anything mentioned in the General Exclusions We will not pay any claim due to or for: 1. Any claim caused by a strike or industrial action that was planned before You booked Your Trip or You purchased Your optional cover or for which advance notice had been given on or before the date on which the Trip commenced; or 2.

Any claim where You have failed to check in according to the itinerary supplied, unless such failure was due to a strike or industrial action; or

Absa Card Travel Insurance Policy Wording 18 ABSANAC022013 v1 3. Any claim where You have not done everything You can to reach Your departure point on time; or 4. Any claim where the carrier has offered reasonable alternative transport; or 5. Any claim resulting from the withdrawal from services temporarily or permanently of any Public Conveyance on the orders or recommendation of any Port Authority or the Civil Aviation Authority or any similar body in any country in which advance notice had been given on our before the date on which the Trip commenced; or 6. For carrier caused delays where the cost of expenses is recoverable from the carrier.

SECTION G4 SECTION G4 SECTION G4 SECTION G4 - - - - TICKET UPGRADE TICKET UPGRADE TICKET UPGRADE TICKET UPGRADE If You need to purchase a new Public Conveyance ticket or You incur costs to amend Your existing Public Conveyance ticket due to: 1. Overbooking by the Public Conveyance carrier and there is no alternative means of transportation available to You within 6 hours after the scheduled departure of the Public Conveyance on which You were originally scheduled to travel; or 2. You missing Your onward connecting flight due to the late arrival of Your incoming flight and there is no transport available to You within 6 hours after Your arrival so that You can continue with Your Trip.

Then We will reimburse you for the cost of a new Public Conveyance ticket or the costs incurred to amend Your existing Public Conveyance ticket. Special Conditions Special Conditions Special Conditions Special Conditions You must provide Us with written proof from the Public Conveyance carrier that: 1. You were not able to travel on the original public conveyance due to overbooking by the carrier; or 2. Your incoming flight arrived later than originally scheduled. The most We will pay The most We will pay The most We will pay The most We will pay is up to the amount shown in the Schedule of Benefits What is not covered What is not covered What is not covered What is not covered under Section G4 under Section G4 under Section G4 under Section G4? ?

? ? In addition to anything mentioned in the General Exclusions We will not pay any claim due to or for: 1. You not having confirmed Your flight prior to departure; or 2. Any claim where You have failed to check in according to the itinerary supplied, unless such failure was due to a strike or industrial action where advance notice had been given on the date on which Your Trip commenced; or 3. Costs that are recoverable from the Public Conveyance carrier. SECTION G5 SECTION G5 SECTION G5 SECTION G5 – – – – NATURAL DISASTER NATURAL DISASTER NATURAL DISASTER NATURAL DISASTER If Your booked accommodation cannot be lived in because of a fire, flood, earthquake or storm then We will reimburse You for the cost of alternative similar accommodation and/or the additional costs for changing Your means of public transport used.

Special Conditions Special Conditions Special Conditions Special Conditions 1. You must give Us a written statement from an appropriate public authority confirming the reason and nature of the disaster and how long it lasted. Our liability is subject to receiving original receipts for the essential expenses incurred. 2. Any event that results in a claim under this section must not have been known to You before You started your Trip. The most We will pay The most We will pay The most We will pay The most We will pay is up to the maximum amount shown in the Schedule of Benefits. We will also pay up to R2 000 for cattery/kennel costs.

Excess Excess Excess Excess We will not pay for costs where the alternative accommodation or public transport is available to you within 48 hours of the occurrence of the natural disaster.

What is not covered What is not covered What is not covered What is not covered under Section G5 under Section G5 under Section G5 under Section G5? ? ? ? In addition to anything mentioned in the General Exclusions We will not pay any claim due to or for: 1. Any expense You can recover from any tour operator, airline, hotel or other service provider; or 2. Any expenses You would normally have to pay during Your Trip; or 3. Any claim directly resulting due to You travelling against the advice of the appropriate national or local authority. SECTION G6 SECTION G6 SECTION G6 SECTION G6 – – – – BAGGAGE DELAY BAGGAGE DELAY BAGGAGE DELAY BAGGAGE DELAY If Your Baggage is delayed or is temporarily lost by the carrier You were travelling on when You arrive at Your destination then We will reimburse You for the costs You incurred to purchase essential items.

Special Condition Special Condition Special Condition Special Condition You must keep the receipts of anything You buy and get written confirmation from the carrier of the number of hours You were without Your Baggage. The most We will pay The most We will pay The most We will pay The most We will pay is up to the maximum amount shown in the Schedule of Benefits Excess Excess Excess Excess We will not pay for any essential items if Your baggage is delayed for a period of less than 12 hours. What is not covered What is not covered What is not covered What is not covered under Section G6 under Section G6 under Section G6 under Section G6? ?

? ? In addition to anything mentioned in the General Exclusions We will not pay any claim due to or for: 1. Any expenses You incur after Your Baggage is returned to You; or 2. Any claim for expenses if Your Baggage is delayed on Your return flight to South Africa; or 3. Any claim for Baggage delayed as a result of it being detained by customs or other officials. SECTION H SECTION H SECTION H SECTION H – – – – PERSONAL LIABILITY PERSONAL LIABILITY PERSONAL LIABILITY PERSONAL LIABILITY If You become legally liable to pay for costs because of Your actions during Your Trip which results in: 1.

Death or Bodily Injury to another person; and/or 2. Damage to or loss of another person’s property. Then We will pay for all compensation, damages and legal expenses which You become legally liable to pay.

Absa Card Travel Insurance Policy Wording 19 ABSANAC022013 v1 Specific Definitions Specific Definitions Specific Definitions Specific Definitions (which are only applicable to Section H) (which are only applicable to Section H) (which are only applicable to Section H) (which are only applicable to Section H) Bodily Bodily Bodily Bodily Injury Injury Injury Injury means death or injury to a third party, which is solely caused by an Accident that occurs during Your Trip, The most We will pay The most We will pay The most We will pay The most We will pay is up to the maximum amount shown in the Schedule of Benefits.

We will also pay any extra costs and expenses that You have to pay as long as We agree, in writing, beforehand.

Excess Excess Excess Excess We will not pay the first R1000 of each claim. What is not covered What is not covered What is not covered What is not covered Section H Section H Section H Section H? ? ? ? In addition to anything mentioned in the General Exclusions We will not pay any claim due to or for: 1. Any fines, penalties, punitive, exemplary or aggravated damages (punishing, or aimed at punishing, the person responsible rather than awarding compensation) You have to pay; or 2. Liability arising from: a. Death or Injury of people who work for You or members of Your household; or b. Loss of or damage to property which belongs to You or is under Your control or a member of Your household or people who work for You; or c.

Any action as a result of You performing Your job; or d. You owning or occupying any land or building, unless You are occupying any temporary holiday accommodation in which case We will not cover the first R1 000 of any claim; or e. You owning or using:  Animals; or  Firearms; or  Motorised vehicles (except motorised wheelchairs); or  Vessels (except manually propelled watercraft); or  Aircraft of any description, including non-powered flight. SECTION I SECTION I SECTION I SECTION I – – – – LEGAL EXPENSES AND ADVICE LEGAL EXPENSES AND ADVICE LEGAL EXPENSES AND ADVICE LEGAL EXPENSES AND ADVICE If You are imprisoned or threatened with imprisonment then We will assist You in locating and appointing local legal counsel and pay the legal expenses.

The most We The most We The most We The most We will pay is up to the maximum amount shown in the Schedule of Benefits. What is not covered What is not covered What is not covered What is not covered under Section I under Section I under Section I under Section I? ?

? ? In addition to anything mentioned in the General Exclusions We will not pay any claim due to or for: 1. Legal practitioners not licensed or authorised to provide counsel; or 2. The pursuit of a claim against a tour operator, travel agent, Our Medical Emergency Assistance Provider or any agent of theirs, a conveyance carrier, Us or any agent of Ours, Absa Bank Limited or Barclays; or 3. Legal advice or expenses as a result of legal action against You or Us, Your Spouse, a Close Business Associate or Family Member; or 4. Any criminal or illegal act committed by You.

SECTION SECTION SECTION SECTION J J J J – – – – HIJACK AND WRONGFUL DETENTION HIJACK AND WRONGFUL DETENTION HIJACK AND WRONGFUL DETENTION HIJACK AND WRONGFUL DETENTION If a Public Conveyance in which You are travelling is hijacked or You are held hostage or wrongfully detained for more than 12 hours then We will pay You a daily inconvenience benefit for a maximum of 10 days.

The most We The most We The most We The most We will pay is up to the maximum amount shown in the Schedule of Benefits. What is not covered What is not covered What is not covered What is not covered under Section under Section under Section under Section J J J J? ?

? ? In additional to anything mentioned in the General Exclusions We will not pay any claim due to or for: 1. You being held hostage or detained by a Family Member, Your Close Business Associate or Travelling Companion; or SECTION SECTION SECTION SECTION K K K K – – – – PET CARE PET CARE PET CARE PET CARE (this cover is only applicable if You have purchased the Optional Top (this cover is only applicable if You have purchased the Optional Top (this cover is only applicable if You have purchased the Optional Top (this cover is only applicable if You have purchased the Optional Top- - - -Up Cover) Up Cover) Up Cover) Up Cover) If Your pet requires in-patient veterinary treatment due to an Injury which occurred in South Africa whilst You were away on Your Trip then We will reimburse You for the vet’s fees that You may have to pay when You return to South Africa.

The most We will pay The most We will pay The most We will pay The most We will pay is R500 for each 24-hour period that Your pet was treated as an in-patient up to the maximum amount shown in the Schedule of Benefits. What is not covered What is not covered What is not covered What is not covered under Section K under Section K under Section K under Section K? ? ? ? In addition to anything mentioned in the General Exclusions We will not pay any claim due to or for: 1. You not having written confirmation from Your vet giving details of the Injury and the number of days that Your Cat or Dog has been an in-patient.

SCREENING OF APPLICATION, INSTRUCTIONS AND TRANSACTIONS SCREENING OF APPLICATION, INSTRUCTIONS AND TRANSACTIONS SCREENING OF APPLICATION, INSTRUCTIONS AND TRANSACTIONS SCREENING OF APPLICATION, INSTRUCTIONS AND TRANSACTIONS We disclose to You that being part of a global financial institution, We comply and will in future comply with international and information, instructions and transactions by and on behalf of You in relation to all transactions and to the business relationship on a continuous basis. Therefore, We may initially screen, verify and process all Your new and related information and thereafter monitor all information, instructions and transactions by and on behalf of You in relation to all transactions and to the business relationship on a continuous basis.

This may result in the prohibition, limitation, delay in the execution of instructions or transactions and even in the declining or terminating any transaction or the business relationship with You.

To the extent permitted, We shall advise You of any action We intend to take in terms hereof.

Absa Card Travel Insurance Policy Wording 20 ABSANAC022013 v1 You acknowledge and confirm that neither Us, nor Our respective affiliates, employees, officers or directors, shall be liable for any direct or consequential loss, damage, costs or expenses whatsoever that may be suffered or incurred by You as a result of, arising from or relating to any such prohibition, limitation, delay, decline or termination due to the implementation of this clause. FAIS DISCLOSURE NOTICE FAIS DISCLOSURE NOTICE FAIS DISCLOSURE NOTICE FAIS DISCLOSURE NOTICE Disclosures required in terms of the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS) About your Intermediary (Call Centre) About your Intermediary (Call Centre) About your Intermediary (Call Centre) About your Intermediary (Call Centre) DNA DNA DNA DNA Reg.

No.2008/016976/07 ISRI House, Olivedale Office Park CNR Olive & Lima Streets Olivedale P.O. Box 623, Fontainebleau, 2032 Email: Absaman@dnanet.co.za Tel: 011 704 0902 Fax: 079 511 2730 Complaints Department Complaints Department Complaints Department Complaints Department DNA Tel: 011 704 0905 Fax: 086 234 2280 Email: Complaints@dnanet.co.za Contractual Relationships Contractual Relationships Contractual Relationships Contractual Relationships The intermediary has contractual relationships with different insurers and holds professional indemnity insurance. Compliance Department Compliance Department Compliance Department Compliance Department The Compliance Officer, DNA P.O.

Box 623, Fontainebleau, 2032 Tel: 011 704 0905 Fax : 086 234 2320 Email: Compliance@dnanet.co.za The Intermediary is an authorised Financial Services Provider, license number FSP No:33278 in terms of the FAIS Act and may render intermediary services and provide advice relating to short term insurance products.

The Intermediary has no direct or indirect financial interest in the Insurer. The Intermediary has in the last 12 months earned less than 30% of its remuneration from AIC. About your administrator who acts in the capacity of a non mandated Intermediary About your administrator who acts in the capacity of a non mandated Intermediary About your administrator who acts in the capacity of a non mandated Intermediary About your administrator who acts in the capacity of a non mandated Intermediary Europ Assistance Worldwide Services Europ Assistance Worldwide Services Europ Assistance Worldwide Services Europ Assistance Worldwide Services (South Africa) (Pty) Ltd (South Africa) (Pty) Ltd (South Africa) (Pty) Ltd (South Africa) (Pty) Ltd (EASA) (EASA) (EASA) (EASA) Reg.

No. 1984/009468/07 Valley View Office Park 680 Joseph Lister Road Constantia Kloof Roodepoort 1724 PO Box 1181 Ruimsig 1732 Website Address: www.europassistance.co.za Tel: 011 991 9238 Fax: 011 9918001 Complaints Complaints Complaints Complaints Any complaints and administration queries relating to this policy will be handled by the UMA whose administration and complaints departments can be contacted on the telephone number for client services, as provided in the policy document.

Contractual Relationships Contractual Relationships Contractual Relationships Contractual Relationships The Intermediary has contractual relationships with different insurers and holds professional indemnity insurance. Compliance Department Compliance Department Compliance Department Compliance Department Tel: 011 991 9123 Fax; 086 643 3765 Email: corneam@europassistance.co.za The Intermediary is an authorised Financial Services Provider, license number 5001 in terms of the FAIS Act and may render intermediary services and provide advice relating to short term insurance products.

The Intermediary has no direct or indirect financial interest in the Insurer.

The Intermediary has in the last 12 months earned less than 30% of its remuneration from AIC. About the Service About the Service About the Service About the Service The Product The Product The Product The Product: : : : Travel Insurance The Intermediaries and Administrator have an agreement with ABSA Insurance Company Ltd (AIC) ABSA Insurance Company Ltd (AIC) ABSA Insurance Company Ltd (AIC) ABSA Insurance Company Ltd (AIC) in terms of which the following remuneration is payable for travel insurance business.

Party Party Party Party Description Description Description Description Remuneration Per Policy Remuneration Per Policy Remuneration Per Policy Remuneration Per Policy Frequency Frequency Frequency Frequency DNA Commission 20% of premium Monthly Europ Assistance Worldwide Services (South Africa) (Pty) Ltd Binder Fee for claims administrations 10% of premium Monthly If the policy was sold to you by the Intermediary’s telemarketer, the same details as those of the Intermediary are applicable.

Absa Card Travel Insurance Policy Wording 21 ABSANAC022013 v1 Recordings of the telephone discussion with the telemarketer can be made available to you on request.

Nature and extent of benefits PLEASE REFER TO THE POLICY DOCUMENT PLEASE REFER TO THE POLICY DOCUMENT PLEASE REFER TO THE POLICY DOCUMENT PLEASE REFER TO THE POLICY DOCUMENT Premium payment obligations, manner and frequency, consequences of non-compliance PLEASE REFER TO THE POLICY DOCUMENT PLEASE REFER TO THE POLICY DOCUMENT PLEASE REFER TO THE POLICY DOCUMENT PLEASE REFER TO THE POLICY DOCUMENT Details of special conditions, exclusions, excesses or restrictions PLEASE REFER TO THE POL PLEASE REFER TO THE POL PLEASE REFER TO THE POL PLEASE REFER TO THE POLICY DOCUMENT ICY DOCUMENT ICY DOCUMENT ICY DOCUMENT About the Insurer About the Insurer About the Insurer About the Insurer Absa Insurance Company Limited (AIC) Reg no: 1992/001737/06 180 Commissioner Street PO Box 421 Johannesburg 2000 Tel: 011 350 4000 Fax: 011 331 2179 Complaints Department Complaints Department Complaints Department Complaints Department Absa Insurance Company Limited Tel:0860 111 665 Fax:011 331 2179 Email: ais.compaints@absa.co.za Compliance Department Compliance Department Compliance Department Compliance Department The Compliance Officer, Absa Insurance Company Limited PO Box 421 Johannesburg 2000 Tel: 0860 111 665 Email: compliance@absa.co.za AIC is a register insurer and an authorised Financial Services Provider, license number 8030 in terms of the FAIS Act and may render intermediary services and provide advice relating to short term insurance products.

Complaints Complaints Complaints Complaints If you have a complaint about this policy, please submit your complaint to the insurer’s Complaints Department. If you have a complaint regarding the financial service (advice or intermediary service) rendered to you, please submit your complaint to the intermediary complaints department. If a complaint is not resolved to your satisfaction, you may submit the complaint to the Ombudsman for Short Term Insurance, or the FAIS ombudsman, whose details are provided in this disclosure document.

A polygraph or lie detector test is not obligatory in the event of a claim and failing a test may not be the sole reason for rejecting your claim.

The insurer must give reasons for repudiating your claim. There is an obligation to make sure the notice has been sent to you. You are entitled to a copy of the policy free of charge. Important Notice Important Notice Important Notice Important Notice All material facts must be accurately, fully and properly disclosed by you. All information provided by you or on your behalf All material facts must be accurately, fully and properly disclosed by you. All information provided by you or on your behalf All material facts must be accurately, fully and properly disclosed by you. All information provided by you or on your behalf All material facts must be accurately, fully and properly disclosed by you.

All information provided by you or on your behalf is your own responsibility. is your own responsibility.

is your own responsibility. is your own responsibility. You need to be satisfied with the accuracy of any transaction submitted by your Financial Services Pr You need to be satisfied with the accuracy of any transaction submitted by your Financial Services Pr You need to be satisfied with the accuracy of any transaction submitted by your Financial Services Pr You need to be satisfied with the accuracy of any transaction submitted by your Financial Services Provider on your behalf. ovider on your behalf.

ovider on your behalf. ovider on your behalf. Do not sign any blank or partially completed application form.

Do not sign any blank or partially completed application form. Do not sign any blank or partially completed application form. Do not sign any blank or partially completed application form. Complete all forms in ink. Complete all forms in ink. Complete all forms in ink. Complete all forms in ink. Keep all documents handed to you. Keep all documents handed to you. Keep all documents handed to you. Keep all documents handed to you. Make notes as to what is said to you. Make notes as to what is said to you. Make notes as to what is said to you. Make notes as to what is said to you. Don’t be pressurised to buy the product.

Don’t be pressurised to buy the product. Don’t be pressurised to buy the product. Don’t be pressurised to buy the product. Misrepresentation, incorrect Misrepresentation, incorrect Misrepresentation, incorrect Misrepresentation, incorrect or non or non or non or non- - - -disclosure by you of any facts or circumstances may impact on any claims arising from your insurance contract. disclosure by you of any facts or circumstances may impact on any claims arising from your insurance contract. disclosure by you of any facts or circumstances may impact on any claims arising from your insurance contract.

disclosure by you of any facts or circumstances may impact on any claims arising from your insurance contract. Particulars of Short Term Insurance Ombudsman should a complaint regarding a claim is not resolved to your satisfaction Particulars of Short Term Insurance Ombudsman should a complaint regarding a claim is not resolved to your satisfaction Particulars of Short Term Insurance Ombudsman should a complaint regarding a claim is not resolved to your satisfaction Particulars of Short Term Insurance Ombudsman should a complaint regarding a claim is not resolved to your satisfaction PO Box 32334 BRAAMFONTEIN 2017 Tel 011 726 8900 Fax 011 726 5501 Email info@osit.co.za Particulars of the Financial Advisory and Intermediary Services Ombud should a complaint regarding the financial service rend Particulars of the Financial Advisory and Intermediary Services Ombud should a complaint regarding the financial service rend Particulars of the Financial Advisory and Intermediary Services Ombud should a complaint regarding the financial service rend Particulars of the Financial Advisory and Intermediary Services Ombud should a complaint regarding the financial service rendered to you (advice or ered to you (advice or ered to you (advice or ered to you (advice or intermediary intermediary intermediary intermediary service) is not resolved to your satisfaction service) is not resolved to your satisfaction service) is not resolved to your satisfaction service) is not resolved to your satisfaction The Ombudsman is available to advise you in the event of complaints which relate to the The Ombudsman is available to advise you in the event of complaints which relate to the The Ombudsman is available to advise you in the event of complaints which relate to the The Ombudsman is available to advise you in the event of complaints which relate to the FAIS FAIS FAIS FAIS Act and which has not been resolved to your satisfaction.

Act and which has not been resolved to your satisfaction. Act and which has not been resolved to your satisfaction. Act and which has not been resolved to your satisfaction. PARTICULARS OF FAIS OMBUD PARTICULARS OF FAIS OMBUD PARTICULARS OF FAIS OMBUD PARTICULARS OF FAIS OMBUD PO Box 74571 Tel 0860 324 766 Lynwood Ridge Fax 012 348 3447 0040 Email info@faisombud.co.za

Absa Card Travel Insurance Policy Wording 22 ABSANAC022013 v1 ABSA CREDIT CARD TRAVEL INSURANCE SCHEDULE OF BENEFITS: ABSA CREDIT CARD TRAVEL INSURANCE SCHEDULE OF BENEFITS: ABSA CREDIT CARD TRAVEL INSURANCE SCHEDULE OF BENEFITS: ABSA CREDIT CARD TRAVEL INSURANCE SCHEDULE OF BENEFITS: Automatic Travel In Automatic Travel In Automatic Travel In Automatic Travel Insurance: surance: surance: surance: Available to travellers from the age of 3 months to the age of 74 years (inclusive) whose full cost of an international outbound Public Conveyance ticket from South Africa has been charged to a valid Absa credit card and whose Trip duration does not exceed 90 consecutive days (including the date of departure from and return to South Africa).

AUTOMATIC TRAVEL INSURANCE AUTOMATIC TRAVEL INSURANCE AUTOMATIC TRAVEL INSURANCE AUTOMATIC TRAVEL INSURANCE - - - - ABSA PLATINUM AND PRIVATE BANK CARDS ABSA PLATINUM AND PRIVATE BANK CARDS ABSA PLATINUM AND PRIVATE BANK CARDS ABSA PLATINUM AND PRIVATE BANK CARDS BENEFIT PAYABLE AND BENEFIT PAYABLE AND BENEFIT PAYABLE AND BENEFIT PAYABLE AND EXCESS APPLICABLE EXCESS APPLICABLE EXCESS APPLICABLE EXCESS APPLICABLE SECTION OF COVER SECTION OF COVER SECTION OF COVER SECTION OF COVER A A A A – – – – The Absa Travel Assistant The Absa Travel Assistant The Absa Travel Assistant The Absa Travel Assistant a.

24-hour Worldwide Emergency Medical Assistance Assistance only b. Transmission of Urgent Messages Assistance only c. Embassy Referral Assistance only d. Emergency Travel & Accommodation Requirements Assistance only e. Legal Assistance Assistance only f. Bail Assistance only g. Loss of travel documents Assistance only h. Cash advances Assistance only B B B B – – – – Emergency Medical and Associated Expenses Emergency Medical and Associated Expenses Emergency Medical and Associated Expenses Emergency Medical and Associated Expenses B1 – Emergency Medical & Related Expenses outside of South Africa R1 000 000 B2 – Medical Evacuation, Repatriation or Transport to Medical Centre Expenses Included in limit for B1 Excess (for in-patient and out-patient treatment claims) R2 000 B3 – Medical Assistance benefits a.

Medical Referral Assistance only b. Medical Monitoring Assistance only c. Emergency Medicine Assistance only B5 – Hospital benefit & Holiday Disruption B5.1 Hospital benefit (daily benefit of R200 payable for a maximum of 15 days) R3 000 B5.2 Holiday disruption R3 000 B6 – Associated Expenses B6.1 Visit by a Family Member Included in limit for B1 B6.2 Return of Children Included in limit for B1 B6.3 Return of Travelling Companion Included in limit for B1 B6.4 Burial, Cremation or Return of Mortal Remains Included in limit for B1 C C C C – – – – Personal Accident Personal Accident Personal Accident Personal Accident C1 – Death and Disability 24 Hour Cover R250 000 Public Conveyance R750 000 C2 – Credit Card Balance R10 000 G G G G – – – – Travelling Inconvenience Travelling Inconvenience Travelling Inconvenience Travelling Inconvenience benefit benefit benefit benefits s s s G1 – Missed Departure R2 500 Excess R500 G3 – Travel Delay R2 500 Excess 6 hours G6 – Baggage Delay R2 500 Excess 12 hours H H H H – – – – Personal Liability Personal Liability Personal Liability Personal Liability Bodily Injury and/or Material Damage R2 500 000 Excess R1 000 I I I I – – – – Legal Expenses & Advice Legal Expenses & Advice Legal Expenses & Advice Legal Expenses & Advice R5 000 J J J J – – – – Hijack & Wrongful Detention Hijack & Wrongful Detention Hijack & Wrongful Detention Hijack & Wrongful Detention (daily benefit of R750 payable for a maximum of 10 days) R7 500 Excess 12 hours AUTOMATIC TRAVEL INSURANCE AUTOMATIC TRAVEL INSURANCE AUTOMATIC TRAVEL INSURANCE AUTOMATIC TRAVEL INSURANCE - - - - ABSA GOLD ABSA GOLD ABSA GOLD ABSA GOLD AND TITANIUM AND TITANIUM AND TITANIUM AND TITANIUM CREDIT CARD OR MASTERCARD CREDIT CARD OR MASTERCARD CREDIT CARD OR MASTERCARD CREDIT CARD OR MASTERCARD ELECTRONIC/VISA ELECTRONIC ELECTRONIC/VISA ELECTRONIC ELECTRONIC/VISA ELECTRONIC ELECTRONIC/VISA ELECTRONIC BENEFIT PAYABLE AND BENEFIT PAYABLE AND BENEFIT PAYABLE AND BENEFIT PAYABLE AND EXCESS APPLICABLE EXCESS APPLICABLE EXCESS APPLICABLE EXCESS APPLICABLE SECTION OF COVER SECTION OF COVER SECTION OF COVER SECTION OF COVER A A A A – – – – The Absa Travel Assistant The Absa Travel Assistant The Absa Travel Assistant The Absa Travel Assistant a.

24-hour Worldwide Emergency Medical Assistance Assistance only b. Transmission of Urgent Messages Assistance only c. Embassy Referral Assistance only d. Emergency Travel & Accommodation Requirements Assistance only e. Legal Assistance Assistance only f. Bail Assistance only g. Loss of travel documents Assistance only h. Cash advances Assistance only

Absa Card Travel Insurance Policy Wording 23 ABSANAC022013 v1 B B B B – – – – Emergency Medical and Associated Expenses Emergency Medical and Associated Expenses Emergency Medical and Associated Expenses Emergency Medical and Associated Expenses B1 – Emergency Medical & Related Expenses outside of South Africa R1 000 000 B2 – Medical Evacuation, Repatriation or Transport to Medical Centre Expenses Included in limit for B1 Excess (for in-patient and out-patient treatment claims) R2 000 B3 – Medical Assistance benefits a. Medical Referral Assistance only b. Medical Monitoring Assistance only c.

Emergency Medicine Assistance only B5 – Hospital benefit & Holiday Disruption B5.1 Hospital benefit (daily benefit of R200 which is payable for a maximum of 15 days) R3 000 B5.2 Holiday disruption R3 000 B6 – Associated Expenses B6.1 Visit by a Family Member Included in limit for B1 B6.2 Return of Children Included in limit for B1 B6.3 Return of Travelling Companion Included in limit for B1 B6.4 Burial, cremation or return of mortal remains Included in limit for B1 C C C C – – – – Personal Accident Personal Accident Personal Accident Personal Accident C1 – Death and Disability 24 Hour cover R250 000 Public Conveyance R500 000 C2 – Credit Card Balance R10 000 I I I I – – – – Legal Expenses & Advice Legal Expenses & Advice Legal Expenses & Advice Legal Expenses & Advice R5 R5 R5 R5 000 000 000 000 J J J J – – – – Hijack & Wrongful Detention (daily benefit of R750 payable for a maximum of 10 days) Hijack & Wrongful Detention (daily benefit of R750 payable for a maximum of 10 days) Hijack & Wrongful Detention (daily benefit of R750 payable for a maximum of 10 days) Hijack & Wrongful Detention (daily benefit of R750 payable for a maximum of 10 days) R7 R7 R7 R7 500 500 500 500 Excess 12 hours AUTOMATIC TRAVEL INSURANCE AUTOMATIC TRAVEL INSURANCE AUTOMATIC TRAVEL INSURANCE AUTOMATIC TRAVEL INSURANCE - - - - ABSA SILVER CREDIT CARD OR MASTERCARD ABSA SILVER CREDIT CARD OR MASTERCARD ABSA SILVER CREDIT CARD OR MASTERCARD ABSA SILVER CREDIT CARD OR MASTERCARD ELECTRONIC/VISA ELECTRONIC ELECTRONIC/VISA ELECTRONIC ELECTRONIC/VISA ELECTRONIC ELECTRONIC/VISA ELECTRONIC BENEFIT PAYABLE BENEFIT PAYABLE BENEFIT PAYABLE BENEFIT PAYABLE AND EXCESS AND EXCESS AND EXCESS AND EXCESS APPLICABLE APPLICABLE APPLICABLE APPLICABLE SECTION OF COVER SECTION OF COVER SECTION OF COVER SECTION OF COVER A A A A – – – – The Absa Travel Assistant The Absa Travel Assistant The Absa Travel Assistant The Absa Travel Assistant a.

24-hour Worldwide Emergency Medical Assistance Assistance only b. Transmission of Urgent Messages Assistance only c. Embassy Referral Assistance only d. Emergency Travel & Accommodation Requirements Assistance only e. Legal Assistance Assistance only f. Bail Assistance only g. Loss of travel documents Assistance only h. Cash advances Assistance only B B B B – – – – Emergency Medical and Associated Expenses Emergency Medical and Associated Expenses Emergency Medical and Associated Expenses Emergency Medical and Associated Expenses B1 – Emergency Medical & Related Expenses outside of South Africa R150 000 B2 – Medical Evacuation, Repatriation or Transport to Medical Centre Expenses Included in limit for B1 Excess (for in-patient and out-patient treatment claims) R2 000 B3 – Medical Assistance benefits a.

Medical Referral Assistance only b. Medical Monitoring Assistance only c. Emergency Medicine Assistance only B5 – Hospital benefit & Holiday Disruption B5.1 Hospital benefit (daily benefit of R200 payable for a maximum of 15 days) R3 000 B5.2 Holiday disruption R3 000 B6 – Associated Expenses B6.1 Visit by a Family Member Included in limit for B1 B6.2 Return of Children Included in limit for B1 B6.3 Return of Travelling Companion Included in limit for B1 B6.4 Burial, cremation or return of mortal remains Included in limit for B1 C C C C – – – – Personal Accident Personal Accident Personal Accident Personal Accident C1 – Death and Disability 24 Hour cover R250 000 Public Conveyance R350 000 C2 – Credit Card Balance R10 000 I I I I – – – – Legal Expenses & Advice Legal Expenses & Advice Legal Expenses & Advice Legal Expenses & Advice R5 000 J J J J – – – – Hijack & Wrongful Detention Hijack & Wrongful Detention Hijack & Wrongful Detention Hijack & Wrongful Detention (daily benefit of R750 payable for a maximum of 10 days) R7 500 Excess 12 hours

Absa Card Travel Insurance Policy Wording 24 ABSANAC022013 v1 AUTOMATIC TRAVEL INSURANCE AUTOMATIC TRAVEL INSURANCE AUTOMATIC TRAVEL INSURANCE AUTOMATIC TRAVEL INSURANCE - - - - ABSA BUSINESS, ABSA BUSINESS, ABSA BUSINESS, ABSA BUSINESS, CORPORATE AND LODGED CARDS CORPORATE AND LODGED CARDS CORPORATE AND LODGED CARDS CORPORATE AND LODGED CARDS BENEFIT PAYABLE BENEFIT PAYABLE BENEFIT PAYABLE BENEFIT PAYABLE AND EXCESS AND EXCESS AND EXCESS AND EXCESS APPLICABLE APPLICABLE APPLICABLE APPLICABLE SECTION OF COVER SECTION OF COVER SECTION OF COVER SECTION OF COVER A A A A – – – – The Absa Travel Assistance The Absa Travel Assistance The Absa Travel Assistance The Absa Travel Assistance a.

24-hour Worldwide Emergency Medical Assistance Assistance only b. Transmission of Urgent Messages Assistance only c. Embassy Referral Assistance only d. Emergency Travel & Accommodation Requirements Assistance only e. Legal Assistance Assistance only f. Bail Assistance only g. Loss of travel documents Assistance only h. Cash advances Assistance only B B B B – – – – Emergency Medical Emergency Medical Emergency Medical Emergency Medical and Associated Expenses and Associated Expenses and Associated Expenses and Associated Expenses B1 – Emergency Medical & Related Expenses outside of South Africa R1 000 000 B2 – Medical Evacuation, Repatriation or Transport to Medical Centre Expenses Included in limit for B1 Excess (for out-patient and in-patient treatment claims) R2 000 B3 – Medical Assistance benefits a.

Medical Referral Assistance only b. Medical Monitoring Assistance only c. Emergency Medicine Assistance only B5 – Hospital benefit & Holiday Disruption B5.1 Hospital benefit (daily benefit of R200 payable for a maximum of 15 days) R3 000 B5.2 Holiday disruption R3 000 B6 – Associated Expenses B6.1 Visit by a Family Member Included in limit for B1 B6.2 Return of Children Included in limit for B1 B6.3 Return of Travelling Companion Included in limit for B1 B6.4 Burial, cremation or return of mortal remains Included in limit for B1 C C C C – – – – Personal Accident Personal Accident Personal Accident Personal Accident C1 – Death and Disability 24 Hour cover R250 000 Public Conveyance R750 000 C2 – Credit Card Balance R10 000 I I I I – – – – Legal Expenses & Advice Legal Expenses & Advice Legal Expenses & Advice Legal Expenses & Advice R5 000 J J J J – – – – Hijack & Wrongful Detention Hijack & Wrongful Detention Hijack & Wrongful Detention Hijack & Wrongful Detention (daily benefit of R750 payable for a maximum of 10 days) R7 500 Excess 12 hours ABSA CREDIT CARD TRAVEL INSURANCE SCHEDULE OF BENEFITS ABSA CREDIT CARD TRAVEL INSURANCE SCHEDULE OF BENEFITS ABSA CREDIT CARD TRAVEL INSURANCE SCHEDULE OF BENEFITS ABSA CREDIT CARD TRAVEL INSURANCE SCHEDULE OF BENEFITS Optional Top Optional Top Optional Top Optional Top- - - -up Cover: up Cover: up Cover: up Cover: Optional Top-up Cover (Option 1, 2 and 3) is available to persons from the age of 3 months to the age of 74 years.

If You turn 75 during Your Trip You will need to purchase the Seniors Cover unless for the most part of Your Trip You were 74 years old (i.e. 50% or more of the total Trip duration). OPTIONAL TOP OPTIONAL TOP OPTIONAL TOP OPTIONAL TOP- - - -UP TRAVEL INSURANCE: OPTION 1 UP TRAVEL INSURANCE: OPTION 1 UP TRAVEL INSURANCE: OPTION 1 UP TRAVEL INSURANCE: OPTION 1 SECTION SECTION SECTION SECTION OF COVER OF COVER OF COVER OF COVER BENEFIT PAYABLE AND BENEFIT PAYABLE AND BENEFIT PAYABLE AND BENEFIT PAYABLE AND EXCESS APPLICABLE EXCESS APPLICABLE EXCESS APPLICABLE EXCESS APPLICABLE A A A A – – – – The Absa Travel Assistant The Absa Travel Assistant The Absa Travel Assistant The Absa Travel Assistant a.

24-hour Worldwide Emergency Medical Assistance Assistance only b. Transmission of Urgent Messages Assistance only c. Embassy Referral Assistance only d. Emergency Travel & Accommodation Requirements Assistance only e. Legal Assistance Assistance only f. Bail Assistance only g. Loss of travel documents Assistance only h. Cash advances Assistance only B B B B – – – – Emergency Medical & Associated Expenses Emergency Medical & Associated Expenses Emergency Medical & Associated Expenses Emergency Medical & Associated Expenses B1 – Emergency Medical & Related Expenses outside of South Africa R19 000 000 The The The The maximum maximum maximum maximum benefit payable in terms of Section B benefit payable in terms of Section B benefit payable in terms of Section B benefit payable in terms of Section B1 1 1 1 - - - - Emergency Medical & Emergency Medical & Emergency Medical & Emergency Medical & Related Related Related Related Expenses if You purchased Option 1 and Expenses if You purchased Option 1 and Expenses if You purchased Option 1 and Expenses if You purchased Option 1 and Your Your Your Your Public Conveyance ticket was purchased using any one of the following Public Conveyance ticket was purchased using any one of the following Public Conveyance ticket was purchased using any one of the following Public Conveyance ticket was purchased using any one of the following Absa credit Absa credit Absa credit Absa credit cards will be: cards will be: cards will be: cards will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R20 R20 R20 R20 000 000 000 000 000 000 000 000 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R20 R20 R20 R20 000 000 000 000 000 000 000 000 c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R19 R19 R19 R19 150 150 150 150 000 000 000 000 d.

Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card R20 R20 R20 R20 000 000 000 000 000 000 000 000 B2 – Medical Evacuation, Repatriation or Transport to Medical Centre Expenses Included in limit for B1 Excess ( for out-patient treatment claims) R500 B3 – Medical Assistance benefits a. Medical referral Assistance only b. Medical monitoring Assistance only

Absa Card Travel Insurance Policy Wording 25 ABSANAC022013 v1 c. Emergency medicine Assistance only B4 – Pre-existing Medical Conditions cover R100 000 Special Condition: You have to be hospitalised as an in-patient for 48 hours R1 000 B5 – Hospital benefit & Holiday Disruption B5.1 Hospital benefit (daily benefit of R200 payable for a maximum of 15 days) R3 000 B5.2 Holiday disruption R3 000 B6 – Associated Expenses B6.1 Visit by a Family Member Included in limit for B1 B6.2 Return of Children Included in limit for B1 B6.3 Return of Travelling Companion Included in limit for B1 B6.4 Burial, cremation or return of mortal remains Included in limit for B1 Emergency Medical & Associated Expenses as a result of Terrorism R2 500 000 C C C C – – – – Personal Accident Personal Accident Personal Accident Personal Accident C1 – Death and Disability 24 Hour cover R250 000 Public Conveyance R500 000 The The The The maximum maximum maximum maximum benefit payable in terms of Section C 1 benefit payable in terms of Section C 1 benefit payable in terms of Section C 1 benefit payable in terms of Section C 1 – – – – Death and Disability if You purchased Option 1 and Your Death and Disability if You purchased Option 1 and Your Death and Disability if You purchased Option 1 and Your Death and Disability if You purchased Option 1 and Your Public Public Public Public Conveyance ticket was purchased using any of the following Conveyance ticket was purchased using any of the following Conveyance ticket was purchased using any of the following Conveyance ticket was purchased using any of the following Absa credit Absa credit Absa credit Absa credit cards will be: cards will be: cards will be: cards will be: 24 24 24 24 H H H Hour our our our Cover Cover Cover Cover a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R500 R500 R500 R500 000 000 000 000 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R500 R500 R500 R500 000 000 000 000 c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R500 R500 R500 R500 000 000 000 000 d.

Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card R500 R500 R500 R500 000 000 000 000 Public Conveyance Public Conveyance Public Conveyance Public Conveyance a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R1 R1 R1 R1 250 250 250 250 000 000 000 000 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R1 R1 R1 R1 000 000 000 000 000 000 000 000 c.

Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R850 R850 R850 R850 000 000 000 000 d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card R1 R1 R1 R1 250 250 250 250 000 000 000 000 C2 – Credit card balance R10 000 Death or Disability as a result of Terrorism R1 000 000 D D D D- - - - Trip Cancellation or Curtailment Trip Cancellation or Curtailment Trip Cancellation or Curtailment Trip Cancellation or Curtailment D1 – Cancellation R25 000 Excess R500 D2 – Curtailment R25 000 Excess R500 E E E E – – – – Baggage Cover Baggage Cover Baggage Cover Baggage Cover Loss/Theft of or Damage to Baggage and/or Personal Belongings R20 000 Single item limit (please refer to Terms & conditions for specific limits on spectacles, mobile phones, personal computers and similar electronic items) R5 000 Excess R500 F F F F – – – – Personal Money and Loss of Passport Personal Money and Loss of Passport Personal Money and Loss of Passport Personal Money and Loss of Passport F1 – Personal Money R5 000 Excess R500 F2 – Loss/Theft of Passport R5 000 Excess R500 G G G G – – – – Travelling Inconvenience Travelling Inconvenience Travelling Inconvenience Travelling Inconvenience benefit benefit benefit benefits s s s G1 – Missed Departure R3 000 Excess R500 The The The The maximum maximum maximum maximum benefit benefit benefit benefit payable in terms of Section G1 Missed Departure if You purchased Option 1 and Your Public Conveyance payable in terms of Section G1 Missed Departure if You purchased Option 1 and Your Public Conveyance payable in terms of Section G1 Missed Departure if You purchased Option 1 and Your Public Conveyance payable in terms of Section G1 Missed Departure if You purchased Option 1 and Your Public Conveyance ticket was purchased using any the following ticket was purchased using any the following ticket was purchased using any the following ticket was purchased using any the following Absa credit Absa credit Absa credit Absa credit card will be: card will be: card will be: card will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R5 R5 R5 R5 500 500 500 500 G2 – Missed Connection R3 000 Excess R500 G3 – Travel Delay R3 000 Excess 6 hours The The The The maximum maximum maximum maximum benefit payable in terms of Section G3 Travel Delay if You purchased Option 1 and Your Public Conveyance ticket benefit payable in terms of Section G3 Travel Delay if You purchased Option 1 and Your Public Conveyance ticket benefit payable in terms of Section G3 Travel Delay if You purchased Option 1 and Your Public Conveyance ticket benefit payable in terms of Section G3 Travel Delay if You purchased Option 1 and Your Public Conveyance ticket was purchased using the following was purchased using the following was purchased using the following was purchased using the following Absa credit Absa credit Absa credit Absa credit card will be: card will be: card will be: card will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R5 R5 R5 R5 500 500 500 500 G4 – Ticket Upgrade R10 000 Excess 6 hours G5 – Natural Disaster R6 000 Excess 48 hours G6 – Baggage Delay R3 000 Excess 12 hours The The The The maximum maximum maximum maximum benefit benefit benefit benefit payable in terms of Section G6 Baggage Delay if You purchased Option 1 and Your Public Conveyance ticket payable in terms of Section G6 Baggage Delay if You purchased Option 1 and Your Public Conveyance ticket payable in terms of Section G6 Baggage Delay if You purchased Option 1 and Your Public Conveyance ticket payable in terms of Section G6 Baggage Delay if You purchased Option 1 and Your Public Conveyance ticket was purchased using the following was purchased using the following was purchased using the following was purchased using the following Absa credit Absa credit Absa credit Absa credit card will be: card will be: card will be: card will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R5 R5 R5 R5 500 500 500 500 H H H H – – – – Personal Liability Personal Liability Personal Liability Personal Liability

Absa Card Travel Insurance Policy Wording 26 ABSANAC022013 v1 Bodily Injury and/or Material Damage R2 500 000 Excess R1 000 I I I I – – – – Legal Expenses and Advice Legal Expenses and Advice Legal Expenses and Advice Legal Expenses and Advice R25 000 The The The The maximum maximum maximum maximum benefit payable in terms of Section I Legal Expenses and Advice if You purchased Option 1 and Your Public benefit payable in terms of Section I Legal Expenses and Advice if You purchased Option 1 and Your Public benefit payable in terms of Section I Legal Expenses and Advice if You purchased Option 1 and Your Public benefit payable in terms of Section I Legal Expenses and Advice if You purchased Option 1 and Your Public Conveyance ticket was purchased using any one of the Conveyance ticket was purchased using any one of the Conveyance ticket was purchased using any one of the Conveyance ticket was purchased using any one of the following following following following Absa credit Absa credit Absa credit Absa credit cards will be: cards will be: cards will be: cards will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R30 R30 R30 R30 000 000 000 000 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R30 R30 R30 R30 000 000 000 000 c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R30 R30 R30 R30 000 000 000 000 d.

Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card R30 R30 R30 R30 000 000 000 000 J J J J – – – – Hijack and Wrongful Detention Hijack and Wrongful Detention Hijack and Wrongful Detention Hijack and Wrongful Detention (daily benefit of (daily benefit of (daily benefit of (daily benefit of R2,000 R2,000 R2,000 R2,000 payable for a maximum of 10 payable for a maximum of 10 payable for a maximum of 10 payable for a maximum of 10 days) days) days) days) R20 000 The The The The maximum maximum maximum maximum benefit payable in terms of Section J Hijack and Wrongful Detention if You purchased Option 1 and Your Public benefit payable in terms of Section J Hijack and Wrongful Detention if You purchased Option 1 and Your Public benefit payable in terms of Section J Hijack and Wrongful Detention if You purchased Option 1 and Your Public benefit payable in terms of Section J Hijack and Wrongful Detention if You purchased Option 1 and Your Public Conveyance ticket was Conveyance ticket was Conveyance ticket was Conveyance ticket was purchased using any one of the following purchased using any one of the following purchased using any one of the following purchased using any one of the following Absa credit Absa credit Absa credit Absa credit cards will be: cards will be: cards will be: cards will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R27 R27 R27 R27 500 500 500 500 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R R R R27 27 27 27 500 500 500 500 c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R R R R27 27 27 27 500 500 500 500 d.

d. d. d. Business, Corporate or Lodged Card Business, Corporate or Lodged Card Business, Corporate or Lodged Card Business, Corporate or Lodged Card R R R R27 27 27 27 500 500 500 500 K K K K – – – – Pet Care Pet Care Pet Care Pet Care In- Patient veterinary costs (daily benefit of R500 payable for a maximum of 10 days) R5 000 OPTIONAL TOP OPTIONAL TOP OPTIONAL TOP OPTIONAL TOP- - - -UP TRAVEL INSURANCE: OPTION 2 UP TRAVEL INSURANCE: OPTION 2 UP TRAVEL INSURANCE: OPTION 2 UP TRAVEL INSURANCE: OPTION 2 SECTION SECTION SECTION SECTION OF COVER OF COVER OF COVER OF COVER BENEFIT PAYABLE AND BENEFIT PAYABLE AND BENEFIT PAYABLE AND BENEFIT PAYABLE AND EXCESS APPLICABLE EXCESS APPLICABLE EXCESS APPLICABLE EXCESS APPLICABLE A A A A – – – – The Absa Travel Assistant The Absa Travel Assistant The Absa Travel Assistant The Absa Travel Assistant a.

24-hour Worldwide Emergency Medical Assistance Assistance only b. Transmission of Urgent Messages Assistance only c. Embassy Referral Assistance only d. Emergency Travel & Accommodation Requirements Assistance only e. Legal Assistance Assistance only f. Bail Assistance only g. Loss of travel documents Assistance only h. Cash advances Assistance only B B B B – – – – Emergency Medical & Associated Expenses Emergency Medical & Associated Expenses Emergency Medical & Associated Expenses Emergency Medical & Associated Expenses B1 – Emergency Medical & Related Expenses outside of South Africa R14 000 000 The The The The maximum maximum maximum maximum benefit payable in terms of Section B benefit payable in terms of Section B benefit payable in terms of Section B benefit payable in terms of Section B1 1 1 1 - - - - Emergency Medical & Emergency Medical & Emergency Medical & Emergency Medical & Related Related Related Related Expenses if You purchased Option Expenses if You purchased Option Expenses if You purchased Option Expenses if You purchased Option 2 2 2 2 and Your and Your and Your and Your Public Conveyance ticket was purchased using any one of the following Public Conveyance ticket was purchased using any one of the following Public Conveyance ticket was purchased using any one of the following Public Conveyance ticket was purchased using any one of the following Absa credit Absa credit Absa credit Absa credit cards will be: cards will be: cards will be: cards will be: a.

Platinum or Private a. Platinum or Private a. Platinum or Private a. Platinum or Private Bank Card Bank Card Bank Card Bank Card R15 R15 R15 R15 000 000 000 000 000 000 000 000 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R15 R15 R15 R15 000 000 000 000 000 000 000 000 c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R14 R14 R14 R14 150 150 150 150 000 000 000 000 d.

Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card R15 R15 R15 R15 000 000 000 000 000 000 000 000 B2 – Medical Evacuation, Repatriation or Transport to Medical Centre Expenses Included in limit for B1 Excess ( for out-patient treatment claims) R500 B3 – Medical Assistance benefits a. Medical referral Assistance only b. Medical monitoring Assistance only c. Emergency medicine Assistance only B4 – Pre-existing Medical Conditions cover R50 000 Special Condition: You have to be hospitalised as an in-patient for 48 hours R1 000 B5 – Hospital benefit & Holiday Disruption B5.1 Hospital benefit (daily benefit of R200 payable for a maximum of 15 days) R3 000 B5.2 Holiday disruption R3 000 B6 – Associated Expenses B6.1 Visit by a Family Member Included in limit for B1 B6.2 Return of Children Included in limit for B1 B6.3 Return of Travelling Companion Included in limit for B1 B6.4 Burial, cremation or return of mortal remains Included in limit for B1 Emergency Medical & Associated Expenses as a result of Terrorism R2 000 000 C C C C – – – – Personal Accident Personal Accident Personal Accident Personal Accident C1 – Death and Disability 24 Hour cover R250 000 Public Conveyance R500 000 The The The The maximum maximum maximum maximum benefit payable in terms of Section C 1 benefit payable in terms of Section C 1 benefit payable in terms of Section C 1 benefit payable in terms of Section C 1 – – – – Death and Disability if You purchased Option Death and Disability if You purchased Option Death and Disability if You purchased Option Death and Disability if You purchased Option 2 2 2 2 and Your Public Conveyance and Your Public Conveyance and Your Public Conveyance and Your Public Conveyance ticket was purchased using any of the following ticket was purchased using any of the following ticket was purchased using any of the following ticket was purchased using any of the following Absa credit Absa credit Absa credit Absa credit cards will be: cards will be: cards will be: cards will be: 24 24 24 24 H H H Hour our our our Cover Cover Cover Cover a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R500 R500 R500 R500 000 000 000 000 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R500 R500 R500 R500 000 000 000 000 c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R500 R500 R500 R500 000 000 000 000 d.

Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card R500 R500 R500 R500 000 000 000 000 Public Conveyance Public Conveyance Public Conveyance Public Conveyance

Absa Card Travel Insurance Policy Wording 27 ABSANAC022013 v1 a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R1 R1 R1 R1 250 250 250 250 000 000 000 000 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R1 R1 R1 R1 000 000 000 000 000 000 000 000 c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or c.

Silver Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R850 R850 R850 R850 000 000 000 000 d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card R1 R1 R1 R1 250 250 250 250 000 000 000 000 C2 – Credit card balance R10 000 Death or Disability as a result of Terrorism R500 000 D D D D- - - - Trip Cancellation or Curtailment Trip Cancellation or Curtailment Trip Cancellation or Curtailment Trip Cancellation or Curtailment D1 – Cancellation R15 000 Excess R500 D2 – Curtailment R15 000 Excess R500 E E E E – – – – Baggage Cover Baggage Cover Baggage Cover Baggage Cover Loss/Theft of or Damage to Baggage and/or Personal Belongings R15 000 Single item limit (please refer to Terms & conditions for specific limits on spectacles, mobile phones, personal computers and similar electronic items) R3 750 Excess R500 F F F F – – – – Personal Money and Loss of Passport Personal Money and Loss of Passport Personal Money and Loss of Passport Personal Money and Loss of Passport F1 – Personal Money R2 500 Excess R500 F2 – Loss/Theft of Passport R2 500 Excess R500 G G G G – – – – Travelling Inconvenience Travelling Inconvenience Travelling Inconvenience Travelling Inconvenience benefit benefit benefit benefits s s s G1 – Missed Departure R2 500 Excess R500 The maximum benefit payable in terms of Section G1 Missed Departure if You purchased Option 2 and Your Public Conveyance tick The maximum benefit payable in terms of Section G1 Missed Departure if You purchased Option 2 and Your Public Conveyance tick The maximum benefit payable in terms of Section G1 Missed Departure if You purchased Option 2 and Your Public Conveyance tick The maximum benefit payable in terms of Section G1 Missed Departure if You purchased Option 2 and Your Public Conveyance ticket et et et was was was was purchased using the following Absa credit card will be: purchased using the following Absa credit card will be: purchased using the following Absa credit card will be: purchased using the following Absa credit card will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R5 R5 R5 R5 000 000 000 000 G2 – Missed Connection R2 500 Excess R500 G3 – Travel Delay R2 500 Excess 6 hours The The The The maximum maximum maximum maximum benefit payable in terms of Section G3 Travel Delay if You benefit payable in terms of Section G3 Travel Delay if You benefit payable in terms of Section G3 Travel Delay if You benefit payable in terms of Section G3 Travel Delay if You purchased Option 2 and Your Public Conveyance ticket was purchased Option 2 and Your Public Conveyance ticket was purchased Option 2 and Your Public Conveyance ticket was purchased Option 2 and Your Public Conveyance ticket was purchased using the following purchased using the following purchased using the following purchased using the following Absa credit Absa credit Absa credit Absa credit card will be: card will be: card will be: card will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R5 R5 R5 R5 000 000 000 000 G4 – Ticket Upgrade R5 000 Excess 6 hours G5 – Natural Disaster R3 000 Excess 48 hours G6 – Baggage Delay R2 000 Excess 12 hours The The The The maximum maximum maximum maximum benefit payable in terms of Section G6 Baggage Delay if You purchased Option 2 and Your Public Conveyance ticket benefit payable in terms of Section G6 Baggage Delay if You purchased Option 2 and Your Public Conveyance ticket benefit payable in terms of Section G6 Baggage Delay if You purchased Option 2 and Your Public Conveyance ticket benefit payable in terms of Section G6 Baggage Delay if You purchased Option 2 and Your Public Conveyance ticket was purchased using the following was purchased using the following was purchased using the following was purchased using the following Absa credit Absa credit Absa credit Absa credit card will be: card will be: card will be: card will be: a.

Platinum or Private Bank a. Platinum or Private Bank a. Platinum or Private Bank a. Platinum or Private Bank Card Card Card Card R4 R4 R4 R4 500 500 500 500 H H H H – – – – Personal Liability Personal Liability Personal Liability Personal Liability Bodily Injury and/or Material Damage R1 500 000 Excess R1 000 The benefit payable in terms of Section H Personal Liability if You purchased Option The benefit payable in terms of Section H Personal Liability if You purchased Option The benefit payable in terms of Section H Personal Liability if You purchased Option The benefit payable in terms of Section H Personal Liability if You purchased Option 2 2 2 2 and Your and Your and Your and Your Public Conveyance ticket was purchased using a Public Conveyance ticket was purchased using a Public Conveyance ticket was purchased using a Public Conveyance ticket was purchased using an Absa n Absa n Absa n Absa Platinum or Private Bank Platinum or Private Bank Platinum or Private Bank Platinum or Private Bank credit c credit c credit c credit card ard ard ard R2 R2 R2 R2 500 500 500 500 000 000 000 000 I I I I – – – – Legal Expenses and Advice Legal Expenses and Advice Legal Expenses and Advice Legal Expenses and Advice R20 000 The The The The maximum maximum maximum maximum benefit payable in terms of Section I Legal Expenses and Advice if You purchased Option 2 and Your Public Conveyance benefit payable in terms of Section I Legal Expenses and Advice if You purchased Option 2 and Your Public Conveyance benefit payable in terms of Section I Legal Expenses and Advice if You purchased Option 2 and Your Public Conveyance benefit payable in terms of Section I Legal Expenses and Advice if You purchased Option 2 and Your Public Conveyance ticket was purchased using any one of ticket was purchased using any one of ticket was purchased using any one of ticket was purchased using any one of the following the following the following the following Absa credit Absa credit Absa credit Absa credit cards will be: cards will be: cards will be: cards will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R25 R25 R25 R25 000 000 000 000 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R25 R25 R25 R25 000 000 000 000 c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R25 R25 R25 R25 000 000 000 000 d.

Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card R25 R25 R25 R25 000 000 000 000 J J J J – – – – Hijack and Wrongful Detention Hijack and Wrongful Detention Hijack and Wrongful Detention Hijack and Wrongful Detention (daily benefit of (daily benefit of (daily benefit of (daily benefit of R1,500 R1,500 R1,500 R1,500 payable for a maximum of 10 days) payable for a maximum of 10 days) payable for a maximum of 10 days) payable for a maximum of 10 days) R15 000 The The The The maximum maximum maximum maximum benefit payable in terms of Section J Hijack and Wrongful Detention if You purchased Option benefit payable in terms of Section J Hijack and Wrongful Detention if You purchased Option benefit payable in terms of Section J Hijack and Wrongful Detention if You purchased Option benefit payable in terms of Section J Hijack and Wrongful Detention if You purchased Option 2 2 2 2 and Your Public and Your Public and Your Public and Your Public Conveyance ticket was Conveyance ticket was Conveyance ticket was Conveyance ticket was purchased using any one of the following cards will be: purchased using any one of the following cards will be: purchased using any one of the following cards will be: purchased using any one of the following cards will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R22 R22 R22 R22 500 500 500 500 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R22 R22 R22 R22 500 500 500 500 c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R22 R22 R22 R22 500 500 500 500 d.

Business, Corporate d. Business, Corporate d. Business, Corporate d. Business, Corporate or or or or Lodged Card Lodged Card Lodged Card Lodged Card R22 R22 R22 R22 500 500 500 500 K K K K – – – – Pet Care Pet Care Pet Care Pet Care In- Patient veterinary costs (daily benefit of R500 payable for a maximum of 10 days) R5 000 OPTIONAL TOP OPTIONAL TOP OPTIONAL TOP OPTIONAL TOP- - - -UP TRAVEL INSURANCE: OPTION 3 UP TRAVEL INSURANCE: OPTION 3 UP TRAVEL INSURANCE: OPTION 3 UP TRAVEL INSURANCE: OPTION 3 SECTION SECTION SECTION SECTION OF COVER OF COVER OF COVER OF COVER BENEFIT PAYABLE AND BENEFIT PAYABLE AND BENEFIT PAYABLE AND BENEFIT PAYABLE AND EXCESS APPLICABLE EXCESS APPLICABLE EXCESS APPLICABLE EXCESS APPLICABLE A A A A – – – – The Absa Travel The Absa Travel The Absa Travel The Absa Travel Assistant Assistant Assistant Assistant

Absa Card Travel Insurance Policy Wording 28 ABSANAC022013 v1 a. 24-hour Worldwide Emergency Medical Assistance Assistance only b. Transmission of Urgent Messages Assistance only c. Embassy Referral Assistance only d. Emergency Travel & Accommodation Requirements Assistance only e. Legal Assistance Assistance only f. Bail Assistance only g. Loss of travel documents Assistance only h. Cash advances Assistance only B B B B – – – – Emergency Medical & Associated Expenses Emergency Medical & Associated Expenses Emergency Medical & Associated Expenses Emergency Medical & Associated Expenses B1 – Emergency Medical & Related Expenses outside of South Africa R4 000 000 The The The The maximum maximum maximum maximum benefit payable in terms of Section B benefit payable in terms of Section B benefit payable in terms of Section B benefit payable in terms of Section B1 1 1 1 - - - - Emergency Medical & Emergency Medical & Emergency Medical & Emergency Medical & Related Related Related Related Expenses if You purchased Option 3 and Expenses if You purchased Option 3 and Expenses if You purchased Option 3 and Expenses if You purchased Option 3 and Your Public Conveyance ticket was purchased using any one of the following Your Public Conveyance ticket was purchased using any one of the following Your Public Conveyance ticket was purchased using any one of the following Your Public Conveyance ticket was purchased using any one of the following Absa credit Absa credit Absa credit Absa credit cards will be: cards will be: cards will be: cards will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R5 R5 R5 R5 000 000 000 000 000 000 000 000 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R5 R5 R5 R5 000 000 000 000 000 000 000 000 c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R4 R4 R4 R4 150 150 150 150 000 000 000 000 d.

Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card R5 R5 R5 R5 000 000 000 000 000 000 000 000 B2 – Medical Evacuation, Repatriation or Transport to Medical Centre Expenses Included in the benefit payable under B1 Excess (for out-patient treatment claims) R500 B3 – Medical Assistance benefits a. Medical referral Assistance only b. Medical monitoring Assistance only c. Emergency medicine Assistance only B4 – Pre-existing Medical Conditions cover Nil Special Condition: You have to be hospitalised as an in-patient for 48 hours N/A B5 – Hospital benefit & Holiday Disruption B5.1 Hospital benefit (daily benefit of R200 payable for a maximum of 15 days) R3 000 B5.2 Holiday disruption R3 000 B6 – Associated Expenses B6.1 Visit by a Family Member Included in limit for B1 B6.2 Return of Children Included in limit for B1 B6.3 Return of Travelling Companion Included in limit for B1 B6.4 Burial, cremation or return of mortal remains Included in limit for B1 Emergency Medical & Associated Expenses as a result of Terrorism R500 000 C C C C – – – – Personal Accident Personal Accident Personal Accident Personal Accident C1 – Death and Disability 24 Hour cover R100 000 Public Conveyance R250 000 The The The The maximum maximum maximum maximum benefit payable in terms of Section C 1 benefit payable in terms of Section C 1 benefit payable in terms of Section C 1 benefit payable in terms of Section C 1 – – – – Death and Disability if You purchased Option 3 and Your Public Death and Disability if You purchased Option 3 and Your Public Death and Disability if You purchased Option 3 and Your Public Death and Disability if You purchased Option 3 and Your Public Conveyance ticket was purchased using any of the followin Conveyance ticket was purchased using any of the followin Conveyance ticket was purchased using any of the followin Conveyance ticket was purchased using any of the following Absa credit g Absa credit g Absa credit g Absa credit cards will be: cards will be: cards will be: cards will be: 24 24 24 24 H H H Hour our our our Cover Cover Cover Cover a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R350 R350 R350 R350 000 000 000 000 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R350 R350 R350 R350 000 000 000 000 c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R350 R350 R350 R350 000 000 000 000 d.

Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card R350 R350 R350 R350 000 000 000 000 Public Conveyance Public Conveyance Public Conveyance Public Conveyance a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R850 R850 R850 R850 000 000 000 000 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R750 R750 R750 R750 000 000 000 000 c.

Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R600 R600 R600 R600 000 000 000 000 d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card R850 R850 R850 R850 000 000 000 000 C2 – Credit card balance R10 000 Death or Disability as a result of Terrorism R250 000 D D D D- - - - Trip Cancellation or Curtailment Trip Cancellation or Curtailment Trip Cancellation or Curtailment Trip Cancellation or Curtailment D1 – Cancellation R5 000 Excess R500 D2 – Curtailment R5 000 Excess R500 E E E E – – – – Baggage Cover Baggage Cover Baggage Cover Baggage Cover Loss/Theft of or Damage to Baggage and/or Personal Belongings R5 000 Single item limit (please refer to Terms & conditions for specific limits on spectacles, mobile phones, personal computers and similar electronic items) R1 250 Excess R500 F F F F – – – – Personal Money and Loss of Passport Personal Money and Loss of Passport Personal Money and Loss of Passport Personal Money and Loss of Passport F1 – Personal Money R1 000 Excess R500 F2 – Loss/Theft of Passport R1 000 Excess R500 G G G G – – – – Travelling Inconvenience Travelling Inconvenience Travelling Inconvenience Travelling Inconvenience benefit benefit benefit benefits s s s G1 – Missed Departure Nil

Absa Card Travel Insurance Policy Wording 29 ABSANAC022013 v1 Excess N/A The The The The benefit payable in terms of Section G1 Missed Departure if You purchased Option 3 and Your Public Conveyance ticket was benefit payable in terms of Section G1 Missed Departure if You purchased Option 3 and Your Public Conveyance ticket was benefit payable in terms of Section G1 Missed Departure if You purchased Option 3 and Your Public Conveyance ticket was benefit payable in terms of Section G1 Missed Departure if You purchased Option 3 and Your Public Conveyance ticket was purchased using the following purchased using the following purchased using the following purchased using the following Absa credit Absa credit Absa credit Absa credit card will be: card will be: card will be: card will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R2 R2 R2 R2 500 500 500 500 G2 – Missed Connection Nil Excess N/A G3 – Travel Delay R1 000 Excess 6 hours The maximum benefit payable in terms of Section G3 Travel Delay if You purchased Option 3 and Your Public The maximum benefit payable in terms of Section G3 Travel Delay if You purchased Option 3 and Your Public The maximum benefit payable in terms of Section G3 Travel Delay if You purchased Option 3 and Your Public The maximum benefit payable in terms of Section G3 Travel Delay if You purchased Option 3 and Your Public Conveyance ticket Conveyance ticket Conveyance ticket Conveyance ticket was purchased using the following Absa credit card will be: was purchased using the following Absa credit card will be: was purchased using the following Absa credit card will be: was purchased using the following Absa credit card will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R R R R3 3 3 3 500 500 500 500 G4 – Ticket Upgrade Nil Excess N/A G5 – Natural Disaster Nil Excess N/A G6 – Baggage Delay R1,000 Excess 12 hours The The The The maximum maximum maximum maximum benefit payable in terms of Section G6 Baggage Delay if You purchased Option 3 and Your Public Conveyance ticket benefit payable in terms of Section G6 Baggage Delay if You purchased Option 3 and Your Public Conveyance ticket benefit payable in terms of Section G6 Baggage Delay if You purchased Option 3 and Your Public Conveyance ticket benefit payable in terms of Section G6 Baggage Delay if You purchased Option 3 and Your Public Conveyance ticket was purchased using the following was purchased using the following was purchased using the following was purchased using the following Absa credit Absa credit Absa credit Absa credit card will be: card will be: card will be: card will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R3 R3 R3 R3 500 500 500 500 H H H H – – – – Personal Liability Personal Liability Personal Liability Personal Liability Bodily Injury and/or Material Damage R500 000 Excess R1 000 The benefit payable in terms of Section H Personal Liability if You purchased Option 3 and The benefit payable in terms of Section H Personal Liability if You purchased Option 3 and The benefit payable in terms of Section H Personal Liability if You purchased Option 3 and The benefit payable in terms of Section H Personal Liability if You purchased Option 3 and Your Public Conveyance ticket was purchased using a Your Public Conveyance ticket was purchased using a Your Public Conveyance ticket was purchased using a Your Public Conveyance ticket was purchased using an Absa n Absa n Absa n Absa Platinum or Private Bank Platinum or Private Bank Platinum or Private Bank Platinum or Private Bank Card Card Card Card.

.

. . R2 R2 R2 R2 500 500 500 500 000 000 000 000 I I I I – – – – Legal Legal Legal Legal Expenses and Advice Expenses and Advice Expenses and Advice Expenses and Advice Nil The The The The maximum maximum maximum maximum benefit payable in terms of Section I Legal Expenses and Advice if You purchased Option 3 and Your Public benefit payable in terms of Section I Legal Expenses and Advice if You purchased Option 3 and Your Public benefit payable in terms of Section I Legal Expenses and Advice if You purchased Option 3 and Your Public benefit payable in terms of Section I Legal Expenses and Advice if You purchased Option 3 and Your Public Conveyance ticket was purchased using any one of the following Conveyance ticket was purchased using any one of the following Conveyance ticket was purchased using any one of the following Conveyance ticket was purchased using any one of the following Absa credit Absa credit Absa credit Absa credit cards will be: cards will be: cards will be: cards will be: a.

Platinum or Private a. Platinum or Private a. Platinum or Private a. Platinum or Private Bank Card Bank Card Bank Card Bank Card R5 R5 R5 R5 000 000 000 000 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or Credit Card or Credit Card or Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R5 R5 R5 R5 000 000 000 000 c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or c. Silver Credit Card or MasterCard MasterCard MasterCard MasterCard/Visa Electronic /Visa Electronic /Visa Electronic /Visa Electronic R5 R5 R5 R5 000 000 000 000 d.

Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card R5 R5 R5 R5 000 000 000 000 J J J J – – – – Hijack and Wrongful Detention Hijack and Wrongful Detention Hijack and Wrongful Detention Hijack and Wrongful Detention (daily benefit of R750 payable for a maximum of 10 (daily benefit of R750 payable for a maximum of 10 (daily benefit of R750 payable for a maximum of 10 (daily benefit of R750 payable for a maximum of 10 days) days) days) days) Nil The maximum benefit payable in terms of The maximum benefit payable in terms of The maximum benefit payable in terms of The maximum benefit payable in terms of Section J Hijack and Wrongful Detention Section J Hijack and Wrongful Detention Section J Hijack and Wrongful Detention Section J Hijack and Wrongful Detention if You purchased Option 3 and Your Public if You purchased Option 3 and Your Public if You purchased Option 3 and Your Public if You purchased Option 3 and Your Public Conveyance ticket was purchased using any one of the following Absa credit cards will be: Conveyance ticket was purchased using any one of the following Absa credit cards will be: Conveyance ticket was purchased using any one of the following Absa credit cards will be: Conveyance ticket was purchased using any one of the following Absa credit cards will be: a.

Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card a. Platinum or Private Bank Card R7 500 R7 500 R7 500 R7 500 b. Gold b. Gold b. Gold b. Gold and Titanium and Titanium and Titanium and Titanium Credit Card or MasterCard/Visa Electronic Credit Card or MasterCard/Visa Electronic Credit Card or MasterCard/Visa Electronic Credit Card or MasterCard/Visa Electronic R7 500 R7 500 R7 500 R7 500 c. Silver c. Silver c. Silver c. Silver Credit Card or MasterCard/Visa Electronic Credit Card or MasterCard/Visa Electronic Credit Card or MasterCard/Visa Electronic Credit Card or MasterCard/Visa Electronic R7 500 R7 500 R7 500 R7 500 d.

Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card d. Business, Corporate or Lodged Card R7 500 R7 500 R7 500 R7 500 K K K K – – – – Pet Care Pet Care Pet Care Pet Care In- Patient veterinary costs (daily benefit of R500 payable for a maximum of 10 days) Nil Optional Top-up Cover (Seniors) is available to persons from the age of 75 years to 85 years (inclusive). If You turn 86 years during Your Trip You will not be covered unless You were 85 years old for the most part of Your Trip (i.e. 50% or more of the total Trip duration). OPTIONAL TOP OPTIONAL TOP OPTIONAL TOP OPTIONAL TOP- - - -UP TRAVEL INSU UP TRAVEL INSU UP TRAVEL INSU UP TRAVEL INSURANCE: SENIORS COVER RANCE: SENIORS COVER RANCE: SENIORS COVER RANCE: SENIORS COVER SECTION SECTION SECTION SECTION OF COVER OF COVER OF COVER OF COVER BENEFIT PAYABLE AND BENEFIT PAYABLE AND BENEFIT PAYABLE AND BENEFIT PAYABLE AND EXCESS APPLICABLE EXCESS APPLICABLE EXCESS APPLICABLE EXCESS APPLICABLE A A A A – – – – The Absa Travel Assistant The Absa Travel Assistant The Absa Travel Assistant The Absa Travel Assistant a.

24-hour Worldwide Emergency Medical Assistance Assistance only b. Transmission of Urgent Messages Assistance only c. Embassy Referral Assistance only d. Emergency Travel & Accommodation Requirements Assistance only e. Legal Assistance Assistance only f. Bail Assistance only g. Loss of travel documents Assistance only h. Cash advances Assistance only B B B B – – – – Emergency Medical & Emergency Medical & Emergency Medical & Emergency Medical & Associated Expenses Associated Expenses Associated Expenses Associated Expenses B1 – Emergency Medical & Related Expenses outside of South Africa R5 000 000 B2 – Medical Evacuation, Repatriation or Transport to Medical Centre Expenses Included in limit for B1 Excess (for out-patient treatment claims) R500 B3 – Medical Assistance benefits a.

Medical referral Assistance only b. Medical monitoring Assistance only c. Emergency medicine Assistance only B6 – Associated Expenses B6.1 Visit by a Family Member Included in limit for B1 B6.2 Return of Children Included in limit for B1

Absa Card Travel Insurance Policy Wording 30 ABSANAC022013 v1 B6.3 Return of Travelling Companion Included in limit for B1 B6.4 Burial, cremation or return of mortal remains Included in limit for B1 Emergency Medical & Associated Expenses as a result of Terrorism R1 000 000 C C C C – – – – Personal Personal Personal Personal Accident Accident Accident Accident C3 – Senior Personal Accident 24 Hour cover R50 000 Public Conveyance R50 000 Death or Disability as a result of Terrorism R50 000 C2 – Credit card balance R10 000 D D D D- - - - Trip Cancellation or Curtailment Trip Cancellation or Curtailment Trip Cancellation or Curtailment Trip Cancellation or Curtailment D1 – Cancellation R15 000 Excess R500 D2 – Curtailment R15 000 Excess R500 E E E E – – – – Baggage Cover Baggage Cover Baggage Cover Baggage Cover Loss/Theft of or Damage to Baggage and/or Personal Belongings R15 000 Single item limit (please refer to Terms & conditions for specific limits on spectacles, mobile phones, personal computers and similar electronic items) R3 750 Excess R500 F F F F – – – – Personal Money and Loss of Passport Personal Money and Loss of Passport Personal Money and Loss of Passport Personal Money and Loss of Passport F1 – Personal Money R2 500 Excess R500 F2 – Loss/Theft of Passport R2 500 Excess R500 G G G G – – – – Travelling Inconvenience Travelling Inconvenience Travelling Inconvenience Travelling Inconvenience benefit benefit benefit benefits s s s G1 – Missed Departure R2 500 Excess R500 G2 – Missed Connection R2 500 Excess R500 G3 – Travel Delay R2 500 Excess 6 hours G4 – Ticket Upgrade R5 000 Excess 6 hours G5 – Natural Disaster R3 000 Excess 48 hours G6 – Baggage Delay R2 000 Excess 12 hours H H H H – – – – Personal Personal Personal Personal Liability Liability Liability Liability Bodily Injury and/or Material Damage R1 500 000 Excess R1 000 I I I I – – – – Legal Expenses and Advice Legal Expenses and Advice Legal Expenses and Advice Legal Expenses and Advice R20 000 J J J J – – – – Hijack and Wrongful Detention (daily benefit of Hijack and Wrongful Detention (daily benefit of Hijack and Wrongful Detention (daily benefit of Hijack and Wrongful Detention (daily benefit of R1,500 R1,500 R1,500 R1,500 payable for a maximum of 10 payable for a maximum of 10 payable for a maximum of 10 payable for a maximum of 10 days) days) days) days) R15 000 K K K K – – – – Pet Care Pet Care Pet Care Pet Care In- Patient veterinary costs (daily benefit of R500 payable for a maximum of 10 days) R5 000