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