HSBC Insurance Aspects: Travel Insurance - HSBC UK

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HSBC Insurance Aspects:
Travel Insurance
Policy Wording.
Policy Number: 060605/011012
Effective from 20 April 2019

 Please take time to read this policy booklet as it contains important information
 about your Worldwide Travel Insurance.
 To be covered you and any insured persons need to be:
 ®® under 70 when your trip starts
 ®® a UK* resident
 ®® registered with a doctor in the UK in order to make any medical claims.
   *definition of UK includes Channel Islands and Isle of Man

  hildren are covered if they are under 18 years of age (under 23 years of age
 C
 if in full time education and living at home outside of term time).

 To help you understand what you are covered for at a glance – we’ve highlighted
 some common questions such as:
 ®® do I need to tell you that I’m travelling?
 ®® do you need to know about any medical conditions?
 ®® what is the maximum trip length?
 ®® are holidays in the UK covered?
 ®® are business trips and winter sports covered?
 ®® how do I make a claim?
 ®® can my partner travel independently?
 Further details are on page 2.
2

Welcome to your
HSBC Insurance Aspects: Travel Insurance
Please take time to read this booklet as it contains important
information. If you have a question and cannot find the answer either
below or in the policy wording, please contact Customer Services.

Do I need to tell you   No. As long as you have told us about any relevant pre-existing
that I am travelling?   medical conditions you do not need to register with us or tell us
                        that you are travelling.

Do you need to          Yes. If you, or any insured person have a medical condition(s),
know about any          you should check to see if the condition(s) is covered
medical conditions?     automatically on the “Accepted conditions” list. If the condition
                        is not listed and if in the 12 months prior to booking a trip you
                        have been prescribed medication, have received or are awaiting
                        medical treatment, tests or investigations, been referred to a
                        specialist or admitted to hospital, then you should call us before
                        booking trips. Undiagnosed symptoms are not covered. Please
                        see the ‘Your Health’ section with the “Accepted conditions” list
                        on page 21 for full details of when and what you must declare.

What is the policy      Where a policy excess applies it is £50 per person, per trip.
excess?

What is the             Trips should be no longer than 31 days and must start and end in
maximum trip            the UK, Channel Islands or Isle of Man. However, when booking
length?                 your trip, you may be able to purchase an upgrade to cover an
                        extended duration.

What upgrades are       The following upgrades may be available for an additional
available on this       cost; extended trip duration up to 120 days, increased cover
policy?                 for cancelling your trip or coming home early up to £7,500 per
                        person, increased cover for golf equipment and green fees. For
                        further information please see page 14.
3

Are holidays in the   Yes. Holidays in the UK, Channel Islands or Isle of Man need to
UK covered?           involve a stay of at least two consecutive nights in pre-booked
                      holiday accommodation. Please see our definition of pre-booked
                      holiday accommodation on page 12.

Are winter sports     Yes. Winter sports holidays are covered for up to a maximum of
holidays covered?     31 days in any calendar year. Please see the full details of what
                      is covered on page 35.

Are business trips    We will provide cover if you travel outside the UK to carry out
covered?              office-based clerical or administrative duties. You are covered
                      for up to a maximum of 31 days in any calendar year. We do not
                      cover any other type of business travel, even if you have some
                      leisure time during your trip.

Can my                Yes, partners who are not named account holders can travel
partner travel        without the account holder at any time provided they are eligible
independently?        and the account holder is aged under 70.

Can I claim for       No. There is no cover under this policy for problems with your
cancellation of       travel documents before you leave. If your passport is lost or
my trip if I have a   stolen or damaged while you are abroad there is cover in this
problem with my       situation. Please see the Emergency Travel Document section
travel documents,     on page 33.
e.g. my passport
is out of date/not    Before you book a trip, check the entry requirements of the
arrived in time or    country you intend to visit with the local government embassy
my visa is invalid?   and/or the Foreign and Commonwealth Office website
                      gov.uk/foreign-travel-advice.

How do I make         To make a claim please call the relevant number on page 4 and
a claim?              refer to the information on page 7. Please see pages 8-10 for the
                      limits and excesses which will apply to each section.
4

Travel Insurance Helplines
 Medical Risk Assessment                              Within the UK 08000 517 142
 Please refer to the ‘Your Health’ section on         Lines open: 8am – 9pm every day
 page 20 to find out if you need to tell us           except Christmas Day, Boxing Day
 about medical condition(s).                          and New Year’s Day.
 24-hour Medical Emergency Assistance                 Within the UK 08000 517 451
 If you are injured or fall ill while you are away,   Outside the UK +44 1603 605 142
 please contact this helpline.
                                                      All lines open: 24 hours, 365 days a year.
 Customer Services                                    Phone 03457 404 404
 Use this number for all general policy enquiries.    Textphone 03457 125 563

 Policy documentation is available in large print,    All lines open: 24 hours, 365 days a year.
 audio and Braille. If you require any of these
 formats please contact HSBC
 Travel Claims                                        Within the UK 08000 517 452
 Use this number to report any travel claims,         Outside the UK +44 1603 604 910
 which are not as a result of a medical
                                                      Lines open: 24 hours, 365 days a year.
 emergency.
 Legal Expenses Claims and Advice                     Within the UK 01603 208 533
 Use this number to report any legal expenses         Outside the UK +44 1603 208 533
 claims or if you require advice for any personal
                                                      Lines open: 24 hours, 365 days a year.
 legal problem that may lead to a claim under
 this policy.
 Travel Assistant                                  Within the UK 08000 517 453
 This helpline can assist you with a wide range    Outside the UK +44 1603 605 120
 of travel advice before and while you are away.
                                                   Lines open: 24 hours, 365 days a year.
 Please do not call this number for policy queries
 or claims.
 Policy Upgrades                                      0800 328 1563
 Additional cover may be available to extend          Lines open: Mon to Fri (9am to 5pm).
 your trip duration, increase cancellation cover
 and add cover for golf equipment and fees.

Telephone call charges and recording
Calls to 0800 numbers are free from UK landlines and mobiles.

The cost of calls to 01, 02 and 03 prefixed numbers are charged at national call rates
(charges may vary dependent on your network provider) and are usually included in
inclusive minute plans from landlines and mobiles.

For our joint protection telephone calls may be recorded and/or monitored.
5

Travel Assistant                               While travelling:
                                               ®® how to replace lost or stolen passports,
Helpline                                          driving licences, air tickets or other travel
                                                  documents;
This service can help you sort out all kinds   ®® how to trace your baggage with the
of travel problems before you go and while        airline operator if it is delayed or lost;
you are away; from providing information       ®® why, how, where and when you should
on the countries you are visiting to sorting      contact local embassies or consulates;
out non-medical emergencies.                   ®® how to transfer money out to you if you
                                                  need it;
Advice before you travel:
                                               ®® cancellation of credit cards, if lost or
®® any visa and entry permits you might
                                                  stolen, and helping you to report the loss
   need;
                                                  to your card provider;
®® any necessary vaccination and
                                               ®® provide information to close relatives,
   inoculation requirements, and where
                                                  friends or employers if you have to go
   you can get them;
                                                  into hospital.
®® what you should take with you
   regarding first aid and health;             Other emergency services while
®® what currencies and travellers’ cheques     travelling:
   to take with you, and what the current      ®® a ‘phone home’, translation and
   exchange rates are;                            interpretation service if you need
®® the languages spoken, time zones, bank         it in an emergency.
   holidays and climate of countries you
   plan to visit;                              Please note: There is no charge for the
®® import and export allowances for            provision of the advice guidance or other
   tourists.                                   emergency service shown above. However,
                                               if you wish us to obtain goods or services
                                               on your behalf that are not covered by a
                                               claim under this policy, you will need to pay
                                               any fees that the provider charges and you
                                               will need to adhere to the provider’s terms
                                               and conditions.
6

Foreign and                                   Air and maritime
Commonwealth                                  passenger rights
Office (FCO) –                                For the latest advice and further details

Travel advice by                              on your rights please visit the following
                                              websites:
country                                       caa.co.uk and search for ‘travel problems’
We are working with the FCO to help British   and dft.gov.uk and search for ‘maritime
travellers stay safe overseas. Before you     passenger rights’.
travel abroad, check out the FCO website.
gov.uk/foreign-travel-advice.                 You should also refer to the terms and
                                              conditions of the carrier you are travelling
It is packed with essential travel advice     with.
and tips, plus up to date information about
different countries.                          Please note – we are not responsible for
                                              the content of other websites.
7

Your claim
If you need to make a claim please telephone the number shown on page 4 immediately.
Only a selection of claims scenarios are shown below. Please refer to the relevant section
within this policy booklet for full details of cover and any evidence we may require.

 Type of claim         What must I do?                    What will I need?
 Cancelling your       ®® Check that the reason you   ®® For medical claims, we will
 trip or coming           need to cancel or come home    send a medical certificate for
 home early               early is covered.              completion by the patient’s
 See page 22.          ®® Contact the Medical           doctor to confirm the reason
                           Emergency Helpline before     for your claim.
                           returning home.            ®® Evidence of your booking and
                                                         the cancellation.
 Travel delay after    ®® Check that your delay           ®® Written confirmation from
 check-in                 was over 12 hours before           the airline/carrier of the actual
 See page 26.             submitting a claim.                date and time of departure
                                                             and the reason for the delay.
 Missed departure      ®® Do all you can to get to your    ®® A repair or assistance report if
 See page 26.             departure point on time.            the vehicle you were travelling
                                                              in broke down or was involved
                                                              in an accident.
 Enforced stay         ®® Contact your airline/carrier     ®® Written confirmation from
 abroad                   and they will advise if you          the airline/carrier of the actual
 See page 26.             should travel to the airport/        date and time of your return to
                          port to check in at your             the UK.
                          specified time.                  ®® Documentary evidence of
                                                               costs incurred if you make
                                                               your own way home.
 Medical               ®® Contact the Medical              ®® All medical reports given to
 emergency                Emergency Helpline before           you by the treating facility.
 See page 27.             any hospital admission or as
                          soon as possible thereafter.
 Legal expenses        ®® Contact the Legal Expenses       ®® We will tell you when you call
 See page 30.             Claims and Advice Helpline          if we need anything else to
                          as soon as you are aware of         deal with your claim.
                          the incident.
8

Type of claim      What must I do?                      What will I need?
Delayed baggage    ®® Report the loss/damage to        ®® Written confirmation from the
See page 32.           the airline/carrier within the      airline/carrier of the number of
                       timescales stated within their      hours delay.
                       terms and conditions.
Emergency travel   ®® Report incident to the police     ®® All receipts for any costs
documents             as soon as reasonably                incurred.
See page 33.          possible.
Baggage and        ®® Take all reasonable steps to      ®® A ‘Property Irregularity Report’
personal money        recover lost/stolen property.         from the airline/carrier and
See page 36.       ®® Report incident details to the        your baggage tag receipts.
                      police as soon as reasonably      ®® Proof of purchase of the lost,
                      possible.                             stolen or damaged item.
                   ®® Report the loss/damage to         ®® Proof that you owned the
                      the airline/carrier within the        money and its value.
                      timescales stated within their    ®® A written report from the
                      terms and conditions.                 police or any other relevant
                   ®® Do not dispose of damaged             authority.
                      items.
9

Guide to your HSBC Insurance Aspects:
Travel Insurance Policy
Page

Section 1 – Important information                           10

Important information about this policy                     10

Section 2 – Policy Wording                                  11

Definitions11

Helpful and important information about this policy         13

General Exclusions                                          15

General Conditions                                          17

Your health – cover and exclusions for medical conditions   20

Accepted medical conditions list                            21

On your trip                                                22

Cancelling or coming home early                             22

Travel disruption                                           25

Emergency medical and associated expenses                   27

Accidental death and permanent disability                   29

Legal expenses and advice                                   30

Personal liability                                          31

Your possessions                                            32

Catastrophe cover                                           34

Winter sports                                               35

Your Activities                                             37

Complaints procedure                                        39

Compensation40

Further information about your policy                       40

HSBC Privacy Overview                                       40

Aviva Privacy Notice                                        40
10

Section 1 –                                     Your cancellation rights
                                                To exercise your right to cancel this policy
Important Information                           you must contact HSBC to cancel HSBC
                                                Insurance Aspects. If the qualifying account
How long does my HSBC Insurance                 remains in force and the HSBC Insurance
Aspects: Travel Insurance run for?              Aspects continues, this policy will remain
All cover under this policy will cease          active until the first of the termination
automatically if:                               events shown above occurs.

1. the Insurance Aspects holder:                How do I make a claim?
                                                Should you need to make a claim under
®® Closes the qualifying account.              this policy, please contact the appropriate
®® Cancels HSBC Insurance Aspects.             helpline shown on page 4.
®® Reaches 70 years of age (on joint
    accounts cover continues for the other      How do I make a complaint?
    eligible account holders until they         We hope you will be happy with the service
    reach age 70).                              that we provide. However, if for any reason
                                                you are unhappy with it, we would like to
®® Is no longer a UK, Channel Islands or
                                                hear from you.
    Isle of Man resident.
®® Is believed to be or reasonably suspected   If you are unhappy with any aspect of the
    by us to be acting fraudulently.            handling of your claim please contact:

2. HSBC:                                        ®® The Travel Claims Helpline number
                                                   shown at the front of this booklet; or
®® Cancels HSBC Insurance Aspects under
                                                ®® The HSBC Claims Department,
    one of the reasons set out in the HSBC
                                                   Aviva Insurance Limited,
    Insurance Aspects terms and conditions.
                                                   PO Box 432, Chichester PO19 1QA.
Eligibility
                                                If your complaint is regarding anything else
As your circumstances may change over
                                                please contact:
time, it is important that you review the
terms and conditions of this policy regularly
                                                ®® The Customer Services Helpline number
to check you remain eligible and that the
                                                   shown at the front of this booklet.
cover remains adequate for your needs.
                                                Both HSBC and Aviva are covered by the
Meeting your needs
                                                Financial Ombudsman Service, you can
This policy has been designed to meet
                                                find their full details on page 39.
the needs of people who wish to protect
against costs that could arise in the course    If you have complained to us and we have
of their travels. It covers such things         been unable to resolve your complaint,
as cancellations, emergency medical             you may refer it to this independent body.
treatment, personal liability, legal expenses   Following the complaints procedure does
and the theft of your money.                    not affect your right to take legal action.
11

Would I receive compensation if Aviva            excess
were unable to meet their liabilities?           The amount that you will have to pay
Aviva is covered by the Financial Services       towards each claim per insured person,
Compensation Scheme (FSCS). You may              per trip.
be entitled to compensation from this
scheme if we cannot meet our obligations,        home
depending on the type of insurance and           your home address in the UK.
the circumstances of your claim. Further
information about the FSCS arrangements          home territory
is available from them on 0800 678 1100,         1. England, Scotland, Wales, Northern
or by visiting their website fscs.org.uk.        Ireland, Jersey and Isle of Man if your
                                                 home is located in any of these areas.

Section 2 –                                      2. Guernsey, Alderney, Sark, Herm, Jethou,

Policy Wording                                   Brecqhou and Lihou if your home is
                                                 located on any of these islands.

Definitions                                      HSBC Insurance Aspects Holder
Wherever the following words or phrases          The person(s) named as the account holder
appear in bold, they will have the following     on the qualifying account.
meanings:
                                                 office-based business travel
close business colleague                         Travel outside the UK if the reason for your
Someone you work with in the UK who has          trip is to carry out wholly office-based
to be in work in order for you to be able to     clerical or administrative duties only, which
go on or continue a trip. A senior manager       do not involve you dealing with members
or director of the business must confirm this    of the public. Office-based business travel
in the event of a claim.                         is limited to 31 days in any calendar year.

close relative                                   partner
Your mother, father, sister, brother, partner    The person that the HSBC Insurance
who lives with you, fiancé(e), daughter,         Aspects holder lives with at home in a
son, grandparent, grandchild, parent-in-law,     domestic relationship, whether married or
daughter-in-law, son-in-law, brother-in-law,     co-habiting (as if husband and wife or civil
sister-in-law, step-parent, step-child, step-    partnership), regardless of gender, who is
sister, step-brother, aunt, uncle, cousin,       under 70 years of age at the start date of
nephew, niece, legal guardian or foster child.   the trip.

doctor
A registered member of the medical
profession who is not related to you or
anyone you are travelling with.
12

period of insurance                              qualifying account
Each trip you make, whilst you hold HSBC         The HSBC Advance account from which the
Insurance Aspects, will be treated as a          monthly Insurance Aspects fee is deducted.
separate period of insurance, individually
subject to all policy terms, conditions,         this policy
declarations and exclusions. Cover for each      The HSBC Insurance Aspects: Travel
individual trip applies as follows:              Insurance.

1. Cover for cancelling your trip begins         travelling companion
from the date of opening HSBC Insurance          A person you travel with, without whom
Aspects or the date of booking each trip         you cannot make or continue your trip.
(whichever is later) and ends when you
leave your home to start your trip.              trips(s)
                                                 Journeys beginning and ending in the
2. Cover under all other sections starts         UK that last no more than 31 days that
when you leave your home and ends                are either:
when you return home (or are repatriated
to a hospital in the UK), providing you do           olidays outside the UK; or
                                                 1. H
not exceed the trip limit.
                                                 2. Office-based business travel outside
personal money                                   the UK; or
Cash (including foreign currency), travellers’
                                                 3. Holidays within the UK, that include two
cheques, non-refundable pre-paid event
                                                 or more consecutive nights stay in pre-
and entertainment tickets, travel tickets,
                                                 booked holiday accommodation.
passports, visas and driving licences.
                                                 UK
point of international departure
                                                 England, Scotland, Wales, Northern Ireland,
The airport, port or station from which
                                                 Channel Islands and Isle of Man.
you will undertake international travel
from or to the UK. If your home is in            UK resident
Northern Ireland, you are also covered           An insured person who has their
for international travel from or to the          permanent home in the UK.
Republic of Ireland.
                                                 valuables
pre-booked holiday accommodation                 Jewellery, costume jewellery, watches,
A commercially run premises where a fee is       items made of or containing gold, silver,
charged which has been booked prior to the       precious metal or precious stones,
start of your trip, including a pre-booked       binoculars, hand held games consoles
tent or caravan pitch but not including          and equipment, mobile phones,
residential properties belonging to friends      photographic equipment, video cameras,
or family.                                       e-readers, laptops and tablets, or any
                                                 accessories which are designed to be
                                                 used with these items.
13

we, us, our, insurer                              1. you are an HSBC Insurance Aspects
Aviva Insurance Limited. Registered in            holder and hold a qualifying account;
Scotland, no. 2116. Registered office:
Pitheavlis, Perth, PH2 0NH. Authorised            2. you are a UK resident;
by the Prudential Regulation Authority
and regulated by the Financial Conduct            3. that in order to make any emergency
Authority and Prudential Regulation               medical claims or claims for cancellation
Authority.                                        or coming home early due to medical
                                                  emergencies, you are registered with a
winter sports equipment                           doctor in the UK;
Skis, snowboards, boots, helmets, bindings
or poles.                                         4. the trip begins after the date the HSBC
                                                  Insurance Aspects was opened;
you, your(s), yourself, insured person
The HSBC Insurance Aspects holder, his/           5. you have booked your return journey
her partner and their dependent children          before leaving the UK, or if you have an
who at the start date of the trip are under       open ticket, you have confirmed your
18 years of age (under 23 years of age if still   return date with the airline.
in full-time education and living at home
                                                  Children
outside term time).
                                                  Dependent children who at the start date of
Helpful and Important Information                 the trip are under 18 years of age (under 23
about this policy                                 years of age if still in full time education and
This policy is included with your HSBC            living at home outside of term time) are
Insurance Aspects. Please read this booklet       only covered:
carefully, keep it in a safe place and take
                                                  1. when travelling with the HSBC
it with you when you travel. It gives
                                                  Insurance Aspects holder or his/her
you full details of what is covered, what
                                                  partner; or
is not covered and the limits, excesses
and conditions of cover. It is the HSBC           2. whilst travelling abroad on their own to
Insurance Aspects holder’s responsibility         stay with close relatives who permanently
to ensure that all insured persons are            live abroad, for the duration of the trip.
aware of their responsibility and comply
with all of the policy conditions. If you do      Automatic cover
not comply, we may refuse your claim or           The insurance cover automatically applies
reduce your cover in the event of a claim.        for each trip; this means you do not have
                                                  to contact us every time you book a trip,
In respect of each trip taken during the          unless you need to tell the Medical Risk
period of insurance, we will provide              Assessment Helpline about any change
the cover set out in this policy document         to a previously disclosed medical condition
provided:                                         or the diagnosis of a new condition.
                                                  Please also read ‘Information and changes
                                                  we need to know about’ on page 14.
14

Information and changes we need                   Amendments to your cover
to know about                                     You may be able to upgrade from the
You must take reasonable care to provide          standard cover for the extensions shown
complete and accurate answers to the              below. To check if this is possible please
questions we ask you. For example before          call the Upgrade Helpline number shown
you book a trip or travel, you may need to        on page 4 before you travel for further
tell the Medical Risk Assessment Helpline         information and a quotation.
about medical conditions not shown on
the “Accepted conditions” list. After your        ®® Extended trip duration – you may be
HSBC Insurance Aspects is opened, you                 able to extend an individual trip from the
must make sure that you tell the Medical              standard 31 days up to a maximum of
Risk Assessment Helpline if there are any             120 days.
changes in health. Please see the Your            ®® Golfing cover – cover for loss, damage
Health section of this policy for full details        or theft of your clubs, and pre-booked
of what you need to declare.                          green fees if you are ill/injured.
                                                  ®® Increased cover for cancelling your trip
You also need to tell HSBC if you move                or coming home early – where the cost
address – if this means that you are no               of your holiday is more than £5,000, you
longer a UK resident then all cover under             may be able to upgrade to a maximum
this insurance will end.                              of £7,500 per person.

When we are notified of a change, we will         Automatic extension of cover
tell you if it affects this policy, for example   If you cannot get back home before your
whether we are able to accept the change          cover ends, this policy will remain in force
and if so, whether the change will result in      as follows:
revised terms. If the information provided by
you is not complete and accurate we may:          1. up to 14 days if any vehicle you are
                                                  travelling in breaks down, or any vehicle,
1. revise or amend the medical underwriting       vessel, train or aircraft in which you
decision(s) for any declared pre-existing         are booked to travel as a ticket holding
condition(s), which may result in the             passenger is delayed or cancelled; or
accepted condition being excluded; or
                                                  2. for as long as medically necessary where
2. refuse to pay any claim; or                    you are claiming for emergency medical
                                                  treatment under this policy.
3. not pay any claim in full.

If you are in any doubt about Information
or Changes we need to know about,
please contact us.
15

Automatic termination of cover                    Choice of law
All cover under this policy will cease            The law of England and Wales will apply to
automatically if:                                 this policy unless:

1. The HSBC Insurance Aspects holder:             1. You and the insurer agree otherwise; or

®® closes the qualifying account;                2. At the date of the contract the HSBC
®® cancels HSBC Insurance Aspects;               Insurance Aspects holder is a resident of
®® reaches 70 years of age (on joint             Scotland, Northern Ireland, Channel Islands
    accounts cover continues for other            or the Isle of Man in which case (in the
    eligible HSBC Insurance Aspects               absence of agreement to the contrary) the
    holders until they reach 70 years of age);    law of that country will apply.
®® is no longer a UK resident;
                                                  General Exclusions and Conditions
®® is believed to be or reasonably suspected     (These apply to the whole of
    by us to be acting fraudulently.              your policy)
2. HSBC cancels HSBC Insurance Aspects            General Exclusions
under one of the reasons set-out in the           This policy does not cover the following:
HSBC Insurance Aspects terms and
conditions.                                       1. Any consequence whatsoever which is
                                                  the direct or indirect result of any of the
If an insured person is on a trip at the          following, or anything connected with
time an automatic termination event occurs,       any of the following, whether or not such
all cover will cease when the trip ends.          consequence has been contributed to by
                                                  any other cause or event:
Your cancellation rights
This policy will remain in force subject          (a) War, invasion, act of foreign enemy,
to the automatic termination of cover             hostilities or a warlike operation or
section above. To cancel this policy you          operations (whether war be declared
must contact HSBC to cancel your HSBC             or not), civil war, rebellion, revolution,
Insurance Aspects.                                insurrection, civil commotion assuming the
                                                  proportions of or amounting to an uprising,
Note: If a joint account holder is not eligible
                                                  military or usurped power.
for the Travel Insurance there will be no
refund or reduction of the fee charged for        (b) Any action taken in controlling,
the HSBC Insurance Aspects.                       preventing, suppressing or in any way
                                                  relating to (a) above.
Use of language
Unless otherwise agreed, the contractual
terms and conditions and other information
relating to this policy will be in English.
16

2. Claims directly or indirectly caused by:       injury during your trip, or any payment
                                                  which you would normally have made
(a) Ionising radiation or contamination by        during your travels.
radioactivity from any nuclear fuel or from
any nuclear waste from burning nuclear            6. Any incident which happens after the
fuel; or                                          trip duration limit has been reached.

(b) The radioactive, toxic, explosive or other    7. Any claim for an incident which happens
hazardous properties of any explosive             during a trip that results from:
nuclear assembly or part of an assembly; or
                                                  (a) you riding or being carried as a
(c) Pressure waves caused by aircraft and         passenger on a scooter, moped or
other aerial devices travelling at sonic or       motorcycle:
supersonic speeds.
                                                  i. 125cc or under, unless you wear a crash
3. Any claim for your death, injury, illness or   helmet and, as a rider, you are fully
disability resulting from:                        licensed to use such a vehicle in the UK;

(a) Your suicide or attempted suicide; or         ii. over 125cc, unless this is your mode
                                                  of transport from the UK and you wear a
(b) Your misuse of alcohol or drugs or your       crash helmet and appropriate protective
consumption of alcohol or drugs (other than       clothing. As a rider you must be fully
drugs taken under medical supervision and         licensed and insured to use this vehicle in
not for treating alcohol or drug addiction)       the UK. There is no cover for trips taken
to an extent which causes immediate or            outside of Europe.
long-term physical or mental impairment,
including impairment to your judgement            (b) you driving any motorised vehicle,
causing you to take action you would not          unless you are fully licensed to drive
normally have taken; or                           such a vehicle in the UK;

(c) Any exacerbation of an accepted               (c) you driving or being a passenger in
medical condition caused by your misuse           any motorised vehicle unless you have
of alcohol or drugs.                              complied with all laws applying to use of
                                                  that vehicle in the country you are visiting,
4. Any claim where during the trip, you           for example you must wear a seatbelt
deliberately put yourself at risk of death,       where this is required by law;
injury, illness or disability (unless your life
is in danger or you were trying to save           (d) your involvement in paid or unpaid
human life).                                      manual work or physical labour of any kind,
                                                  other than charity and conservation work
5. Any loss that is not specifically described    (see further limitations in the Your Activities
in the stated terms and conditions, e.g. we       section);
will not pay for loss of earnings if you are
unable to return to work due to illness or
17

(e) business travel if your job is not wholly   10. Any claim because you do not feel like
an office based role and your trip involves     travelling, or you are not enjoying your trip.
dealing with members of the public or any
tasks other than clerical or administrative     11. Any claim caused by an event for which
duties;                                         the dates had been publicly announced
                                                and/or reported by the media at the time
(f) you taking part in an activity which is     of opening HSBC Insurance Aspects or
shown as excluded in the Your Activities        booking your trip (whichever is later), e.g.
section;                                        strike, airport closure or flight cancellation.

(g) you taking part in exploration or           12. You must report any loss or theft to
scientific expeditions or being a crew          the police as soon as reasonably possible
member on a vessel travelling from one          following discovery, and get a written report
country to another;                             (where it is not possible to obtain a police
                                                report you must provide other independent
(h) you climbing on to, on top of, or           proof of the loss or theft, such as a letter
jumping from any balcony railing, ledge         from your transport company, hotel, or
or wall, or climbing or moving across any       resort management).
external part of a building or vehicle not
specifically designed for that purpose.         General Conditions
                                                1. The HSBC Insurance Aspects holder
8. Any claim resulting from a tropical          must have a qualifying account.
disease where you have not had the
recommended inoculations and/or taken the       2. You must be registered with a doctor in
recommended medication.                         the UK to be covered for any emergency
                                                medical claims or claims for cancellation
9. Any claim for:                               or coming home early due to medical
                                                emergencies.
(a) management fees, maintenance
costs or exchange fees, unused travel or        3. You must have taken reasonable care
accommodation arranged by using air             to provide complete and accurate answers
miles, loyalty or points based schemes,         to the questions asked when you opened
timeshares or similar promotions;               HSBC Insurance Aspects and before you
                                                book a trip or travel make sure that you
(b) costs where these are recoverable from      have told us about any medical conditions
your travel or accommodation provider;          as detailed in the Your Health section on
                                                page 20.
(c) costs you have paid on behalf of
persons not insured under this policy;          Please note that if you fail to tell the
                                                insurer about any medical conditions this
(d) administration costs charged by your
                                                could invalidate this policy and could
travel and/or accommodation provider in
                                                mean that part or all of a claim may not be
respect of obtaining a refund for unused
                                                paid. It is therefore very important that you
travel and accommodation.
                                                read the Your Health section in this booklet.
18

If the information provided by you is not        HSBC may also cancel this policy in
complete and accurate, we may amend              accordance with the HSBC Insurance
the medical underwriting decision(s) for any     Aspects Terms and Conditions. Please refer
declared pre-existing condition(s) which         to this document for further details.
may result in an accepted condition being
excluded, or refuse to pay any claim, or not     5. Claims fraud:
pay any claim in full.                           In order to prevent and detect fraud
                                                 HSBC and the insurer may at any time
If you fail to notify us of any changes to       share information about you with other
your health before a trip (as required in the    organisations and public bodies including
Your Health section of this booklet) this        the police. You should show these notices
could result in a previously accepted            to anyone who has an interest in this policy.
medical condition being excluded.
                                                 If your claim is in any way dishonest or
4. Our right to cancel:                          exaggerated we will not pay any costs or
HSBC may cancel this policy on our               benefits under this policy and we may
behalf by sending at least 30 days written       cancel your insurance immediately and
notice to your last known postal and/or          backdate the cancellation to the date of
email address setting out the reason for         the fraudulent claim. We may also report
cancellation.                                    you to the police and/or take legal action
                                                 against you.
Valid reasons include, but are not limited to,
the following:                                   6. You must take all reasonable precautions
                                                 to protect yourself and your property
(a) where we reasonably suspect fraud;           against any accident, injury, theft, loss or
                                                 damage. You must take the same level of
(b) where you fail to co-operate with            care as you would if you did not have
us or provide us with information or             this policy.
documentation we reasonably require and
this affects our ability to assess a claim       7. If we make a payment before cover is
or defend our interests. See the General         confirmed and our claims investigation
Conditions 8, 9, and 11 below;                   reveals that no cover exists under the terms
                                                 of this policy, you must pay us back any
(c) where you have not taken reasonable          amount we have paid, which you are not
care to provide complete and accurate            covered for.
answers to the questions we ask as
required in the ‘information and changes         8. You must tell us as soon as possible
we need to know about’ section in this           after becoming aware of any circumstances
policy booklet and General Condition 3;          which may lead to a claim under this
                                                 policy. You must also tell us if you are
(d) where HSBC decide to offer this policy       aware of any legal proceedings, summons
through an alternative provider as provided      or prosecution. You must send us every
for in General Condition 17.                     communication relating to a claim as soon
                                                 as reasonably possible.
19

9. You, or any person acting for you, must       15. Following the expiry of your statutory
not negotiate, admit or reject any claim         cooling off period (14 days commencing
without our permission in writing.               on the date you take out the account or
                                                 the date on which you receive the policy
10. We may refuse to pay any expenses for        documents (whichever is the later)), you
which you cannot provide receipts or bills.      continue to have the right to cancel this
                                                 policy at any time by contacting HSBC, but
11. You or your legal representative must        no refund of any fees payable in respect of
pay for any certificates, information and        HSBC Insurance Aspects will be available.
evidence, which we may need. When there
is a claim for injury or illness, we may ask     16. We can, at any time and after taking a
for, and will pay for, any insured person to     fair and reasonable view, but no more than
be medically examined on our behalf.             once in any 6 month period make changes
                                                 to the terms and conditions of this policy,
12. If, at the time of an incident which         to reflect changes in our expectations of
results in a claim under this policy, there is   the future likely cost of providing cover.
any other insurance covering the same loss,      Policy cover may increase or decrease, but
damage, expense or liability, we are entitled    the changes will not be made for the sake
to approach that insurer for a contribution      of recouping past losses.
towards the claim, and will only pay our
share. This condition does not apply to          When doing so we will only consider one or
the Accidental Death and Permanent               more of the following:
Injury benefit or Medical Inconvenience
benefit under the Emergency Medical and          (a) our experience and expectations of the
Associated Expenses section.                     cost of providing this product and/or other
                                                 Aviva products of a similar nature;
13. We are entitled to take over and carry
out in your name the defence or settlement       (b) information reasonably available to
of any legal action. We may also take            us on the actual and expected claims
proceedings at our own expense and for           experience of insurers of similar products;
our own benefit, but in your name, to
recover any payment we have made under           (c) widely available economic information
this policy to anyone else.                      such as inflation rates and exchange rates.

14. If you make a medical claim you              Additionally, we can, at any time and after
may be asked to provide consent to               taking a fair and reasonable view, make
enable us to access your medical records.        changes to the terms and conditions of
This will help the treating doctors, and us,     this policy:
to provide you with the most appropriate
treatment and assess whether cover               (a) to reflect changes (affecting us or
applies. If you do not agree to provide          this policy) in the law or regulation or
this we will not deal with your claim.           the interpretation of law or regulation,
                                                 or changes in taxation;
20

(b) to reflect decisions or recommendations      What do you need to tell us?
of an Ombudsman, regulator or similar            If an insured person has any medical
person, or any code of practice, with which      condition other than those shown as an
we intend to comply;                             ‘Accepted condition’ on page 21 and you
                                                 wish us to consider covering the medical
(c) in order to make this policy clearer and     condition(s), you need to call us on
fairer to you or to rectify any mistakes that    08000 517 142.
may be discovered in due course.
                                                 Please note – medical conditions are not
Changes (together with the reasons for           covered by this policy unless:
such changes) will be notified to you in
writing at least 30 days in advance.             ®® you only have ‘Accepted conditions’
                                                    shown on page 21; or
17. HSBC may cancel this policy on our           ®® we have been told about them and have
behalf and may offer cover with another             confirmed in writing that they have been
provider. If this happens HSBC will contact         accepted.
you by sending 30 days’ notice to your last
known postal and/or email address.               When do you need to tell us?
                                                 ®® Before booking any trip
Your health –                                    If you wish us to consider covering medical
cover and exclusions                             conditions you have that are not shown
                                                 on the ‘Accepted conditions’ list, you need
for medical conditions                           to contact us before booking any trip.

Please read this section carefully               When you call us, we will assess your
This policy is not a general health or private   medical condition(s) and tell you whether
medical insurance policy and will only cover     or not we are able to cover the condition(s).
sudden and unexpected illness or accidents.
                                                 ®® After booking a trip but before
Medical Condition means:                            travelling

Any illness, disease or injury that you have     If after the trip has been booked you
had in the 12 months prior to booking a          are referred to a consultant/specialist or
trip(s) where you have:                          admitted to hospital, you will be covered
                                                 for cancellations of your trip and we will
®® been prescribed medication and/or             pay travel costs you had paid before this
®® received or are awaiting, medical             happened. If you still wish to travel you
   treatment, tests or investigations and/or     must call us and we will tell you if we are
®® been referred to, or had follow up with a     able to cover the condition. If we are unable
   specialist and/or                             to cover the condition, but you still wish to
®® been admitted to hospital or had surgery.     go on the trip, we will not cover any claim
                                                 relating to that condition.
21

If you booked your trip before opening          ®® Fungal nail infection
your account, you should call us as soon        ®® Gastric reflux
as possible to find out if your medical         ®® Glaucoma
condition(s) can be covered for the pre         ®® Gout
booked trip.
                                                ®® Haemorrhoids
Accepted conditions                             ®® Hayfever
If these are the only medical conditions        ®® Hernia
you have and none of the restrictions or the    ®® High/low blood pressure
Health exclusions listed below apply, you       ®® High cholesterol
will be automatically covered by this policy    ®® Hypothyroidism (underactive thyroid)
and we do not need to know about them.          ®® Impetigo
However, if you have a medical condition        ®® Irritable bowel syndrome (IBS)
that is not on the list, or the restrictions/   ®® Joint replacement
exclusions apply to you, you must tell us       ®® Macular degeneration
about all medical conditions you have,          ®® Migraine (confirmed diagnosis, no
including any shown on the list below.             ongoing investigation)
                                                ®® Minor infections (treated with no more
If you are in any doubt please call us on          than one course of antibiotics)
08000 517 142.
                                                ®® Osteoporosis (no back or neck fractures)
®® Allergy/Anaphylaxis (no hospital             ®® Peptic ulcer
   admissions in last two years)                ®® Polymyalgia rheumatica
®® Arthritis (no back or neck problems)         ®® Psoriasis
®® Asthma (no nebulisers or oxygen at           ®® Retinopathy (not a link to diabetes)
   home and no hospital admissions in the       ®® Sinusitis
   last 12 months)                              ®® Soft tissue injury/tendon injury/sprain
®® Benign prostatic enlargement                 ®® Tinnitus
®® Broken bone/fracture (not head or spine)     ®® Tonsillitis
®® Cataracts                                    ®® Vertigo
®® Chicken pox
®® Constipation                                 Health exclusions
                                                1. There is no cover for any claim arising
®® Common cold/influenza
                                                directly or indirectly from the following:
®® Cystitis
®® Diabetes (no complications for example       (a) Any medical condition unless it is
   retinal, kidney or nerve damage)             shown as an ‘Accepted condition’ or we
®® Diarrhoea and/or vomiting                    have been told about it and we have
®® Dislocated joint following a knee/hip        accepted it in writing.
   replacement
                                                (b) Any symptoms that you were aware of,
®® Eczema/dermatitis
                                                prior to booking a trip, for which you have
®® Essential tremor
                                                sought but not yet received a diagnosis for.
22

(c) Any medical condition for which you
were not taking the medication prescribed
                                                On your trip
to you.
                                                Cancelling or coming home early
                                                If you unavoidably have to cancel your trip
(d) Travelling against the advice of a doctor
                                                or come home early, we will pay for the
or purposely travelling without medical
                                                following:
advice when it was reasonable for you to
have consulted a doctor.
                                                ®® non recoverable costs that each insured
                                                   person has paid, or legally has to pay for
(e) Travelling with the intention of seeking
                                                   their own unused personal travel and/or
medical treatment.
                                                   accommodation. This also includes the
European Health Insurance Card (EHIC)              cost of pre-paid excursions; and/or
(Residents of England, Scotland, Wales          ®® additional travel costs (if you cannot
and Northern Ireland only)                         use your return ticket), and/or
If you are travelling to countries in the          accommodation costs (of a similar
European Union, Iceland, Liechtenstein,            standard you had booked for your
Norway or Switzerland we strongly advise           trip) necessary to allow you to come
that you take an EHIC with you. You can            home early.
obtain information or apply online at
nhs.uk and search for Healthcare abroad.        The most we will pay for each insured
The EHIC is free and should be completed        person is:
and validated before you travel.
                                                ®® £5,000 for personal travel and
This will allow you to benefit from the            accommodation costs;
reciprocal health arrangements which exist      ®® £250 for excursions.
with these countries. You should take
reasonable steps to use these arrangements      If you are unable to recover these costs
where possible.                                 from the provider.

Medicare                                        If one of the following occurs:
(Residents of England, Wales, Scotland
                                                1. you are injured, fall ill, are quarantined
and Northern Ireland only)
                                                or die.
If you require medical treatment in
Australia, you must enrol with a local          2. a close relative, close business
Medicare office. You do not need to enrol       colleague, or the person you were going
on arrival but you must do this after the       to stay with is seriously injured, falls
first occasion you receive treatment.           seriously ill or dies.
In-patient and out-patient treatment at
a public hospital is then free of charge.       3. your home is badly damaged by
Details of how to enrol and the free            explosion, fire, landslide, flood or severe/
treatment available can be found at             adverse weather.
humanservices.gov.au by searching
for Medicare forms.
23

4. the police need to speak to you because       (c) your accommodation is directly affected
your home or place of work has been              by a food poisoning outbreak, or the area
burgled.                                         in which you are staying is affected by
                                                 pandemic or epidemic influenza;
5. severe/adverse weather prevents you
from leaving your home, reaching your            (d) a major incident such as a terrorist
point of international departure or your         attack happens within a 50 mile radius of
pre-booked holiday accommodation in              the area in which you will be/are staying
the UK.                                          and you do not wish to travel or you wish
                                                 to return home early.
6. delay or cancellation of your pre-booked
transport prevents you from leaving the UK       9. your transport operator, accommodation
on your outward journey, and the carrier         provider or their booking agents become
or their handling agent is unable to provide     insolvent.
suitable alternative travel arrangements
within 24 hours of the date and time of the      10. you are denied boarding because there
scheduled departure as shown on your             are too many passengers for the seats
ticket/itinerary.                                available and no suitable alternative flight
                                                 could be provided within 12 hours.
7. you are a member of the Armed Forces,
Police, Ambulance, Fire, Nursing Services or     You can also cancel your trip if one of the
an employee of a Government Department           following occurs:
and authorised leave is cancelled due to an
unexpected posting or a major incident in        (a) you are made redundant;
the UK.
                                                 (b) you are called for jury service or as a
8. you are prevented from travelling within      witness in a court of law during your trip.
31 days of your scheduled departure date
                                                 You will also be covered if your travelling
or have to come home early because:
                                                 companion has to cancel the trip or come
(a) an avalanche, earthquake, explosion,         home early for one of the reasons listed
fire, landslide, flood or severe/adverse         above.
weather renders your accommodation
                                                 Special Conditions
uninhabitable or unreachable;
                                                 (a) All claims resulting from illness, injury,
(b) a Foreign and Commonwealth Office            quarantine or death must be supported
advisory notice is in place advising against     by medical reports, or a death certificate
all travel or all but essential travel to your   (or both). Medical reports must be obtained
destination or, the FCO are advising British     at the time of the incident and indicate
citizens to leave the area in which you          the necessity to cancel the trip or come
are staying.                                     home early.

Or you choose not to travel or continue
your trip because.
24

(b) You must provide written confirmation      (c) You must provide written confirmation
from the carrier or their handling agent of    from the accommodation provider and/
the actual date and time of the planned        or local or national authorities that the
departure and reason for the cancellation      accommodation was uninhabitable and the
or delay, and that they were unable to offer   reason for this, and that they were unable to
suitable alternative travel arrangements       offer suitable alternative accommodation of
within 24 hours of your scheduled              a similar standard.
departure.
                                               (d) If you need to come home early but
(c) Where you have been prevented from         have not already purchased a return ticket,
reaching your point of international           we will deduct the cost of an economy
departure or pre-booked holiday                flight from any costs we incur in bringing
accommodation in the UK due to severe/         you home.
adverse weather, you must provide
evidence that travel was not possible, such    (e) If you cannot use your return ticket and
as local police, press or travel reports.      we pay additional travel costs to allow you
                                               to come home early, your unused travel
(d) If your leave is cancelled, or you are     ticket will then belong to us.
made redundant you must provide written
confirmation from your employer.               Excess
                                               We will not pay the first £50 for each
(e) If you are called as a witness or for      insured persons claim. However, if two
jury service you must provide written          or more insured persons claim under this
confirmation.                                  section the maximum excess will be £100.

(f) If you are denied boarding you must        In the event of a claim for loss of deposit
provide proof that your carrier was unable     only, we will not pay the first £20 of each
to offer you suitable alternative travel       insured persons claim.
arrangements.
                                               What is not covered
If you have to come home early:                (a) Anything mentioned in the General
(a) If you need to come home early and         Exclusions and Health Exclusions in the
intend to make a claim you must phone          Your Health section.
the Emergency Medical Assistance Helpline
immediately.                                   (b) Any claim where you knew at the time
                                               of opening HSBC Insurance Aspects or
(b) All claims must be supported by            booking your trip (whichever is later) that
documentary evidence that you have been        you or your travelling companion may be
unable to obtain a refund from the travel      unable to travel or may need to come home
and/or accommodation provider.                 early, for example where a close relative
                                               is seriously ill or the event has already
                                               happened.
25

(c) Any costs incurred by you which are         (d) Any claim where you knew, prior to
recoverable from your credit/debit card         departure, that you may need to come
provider or which you receive or are            home early.
expected to receive compensation or
reimbursement.                                  Travel Disruption
                                                Travel delay after check-in
If you have to cancel your trip:                If your pre-booked transport is delayed
(a) Any claim due to severe/adverse weather     after you have checked-in we will pay
where you have not allowed sufficient           £50 for every full 12 hour period you are
time to reach your point of international       delayed. If your transport on your outward
departure taking into account the weather       journey from the UK is delayed for more
forecast for your journey.                      than 24 hours, you can cancel your trip,
                                                please see page 27.
(b) Any claim where the carrier or handling
agent has offered suitable alternative travel   For each insured person the most we will
arrangements within 24 hours of the date        pay is £250.
and time of the scheduled departure as
shown on the ticket/itinerary.                  Missed departures – this benefit does
                                                not apply to trips taken within the UK
(c) Any claim for dismissal, misconduct,        If you miss your pre-booked transport
resignation or voluntary redundancy.            due to:

(d) Any claim for redundancy if you or          (a) delay or cancellation of scheduled public
your travelling companion knew of the           transport services or a connecting flight; or
redundancy at the time of opening HSBC
Insurance Aspects or booking your trip          (b) accidental damage to, or breakdown of
(whichever is later) or where you cannot        the vehicle in which you are travelling; or
provide written evidence that the reason
you or your travelling companion left           (c) an unexpected delay caused by severe/
the job was due to redundancy.                  adverse weather or a road traffic incident
                                                ahead of you
If you have to come home early:
(a) Any claim for coming home early which       we will pay for additional travel and
was not authorised by our Emergency             accommodation costs you incur to reach
Medical Assistance provider.                    your destination abroad or home on your
                                                return journey.
(b) Any claim for coming home early due to
Foreign and Commonwealth Office advice          For each insured person, the most we will
where this advice was already in place prior    pay is £1,000.
to your departure from the UK.

(c) Any claim for coming home early after
you have chosen to move to alternative
accommodation.
26

Enforced stay abroad – this benefit            Travel delay after check in:
does not apply to trips taken within           (a) If your pre-booked transport is delayed
the UK                                         you must have checked in at the specified
If you are unable to travel home on your       time.
scheduled return date due to:
                                               Missed departures:
(a) airspace, airport or port closure; or      (a) If you miss your pre-booked transport
                                               you must contact the carrier or their
(b) your flight being cancelled as a direct    handling agent to see if a late arrival is
result of volcanic ash in the atmosphere       possible or if alternative travel arrangements
                                               can be made.
we will pay you either:
                                               (b) You must get a report from the repairer
1. £100 for each full 24 hour period you are   or breakdown assistance provider if you
unable to travel home, or                      are claiming because the vehicle you were
                                               travelling in had an accident or broke down.
2. up to £1,500 for travel and
accommodation costs if, after 24 hours,        (c) Where you have been delayed by an
you unavoidably have to make alternative       accident or breakdown ahead of you, you
arrangements to travel home.                   must provide evidence of the incident, such
                                               as local police, press or traffic reports.
If your own prescription medication has run
out as a direct result of your enforced stay   Enforced stay abroad:
abroad, we will also pay for emergency         (a) If you are unable to return home we
medical supplies to prevent a deterioration    will work out the length of your delay
of an existing medical condition.              from the time and date of your scheduled
                                               departure as shown on your ticket/itinerary.
For each insured person the most we will
pay is £1,500.                                 (b) You must provide written confirmation
                                               from the carrier or their handling agents of
Special Conditions
                                               the actual date and time of your return to
(a) You can only claim for one benefit per
                                               the UK and the reason for the delay.
incident under this section.
                                               (c) Any claim for travel or accommodation
(b) Any costs incurred may have to be paid
                                               expenses if you are travelling on an open
by you and submitted as a claim.
                                               ended ticket and have not confirmed a
(c) We will only pay for additional            return date with the airline.
transport or accommodation costs if
                                               Excess
your carrier or their handling agents
                                               We will not pay the first £50 for each
have not been able to offer you suitable
                                               insured person if the trip is cancelled
alternative accommodation and/or travel
                                               following a 24 hour delay.
arrangements. All claims must be supported
by documentary evidence of the costs you
have incurred.
27

What is not covered                                Associated expenses
(a) Anything mentioned in the General              (a) extra charges for half board
Exclusions and Health Exclusions in the            accommodation (of a similar standard to the
Your Health section.                               accommodation you had booked for your
                                                   trip) if it is medically necessary for you to
(b) Any claim where you have not done all          stay after the date you were going to return
you can to get to your departure point, or         home or travel to your next destination;
where you have not allowed sufficient time
to make the travel connections shown on            (b) for the cost of burying or cremating you
your ticket/itinerary, for example transfers       in the country where you die, if you die
between terminals, airports, ports or              outside your home territory;
stations.
                                                   (c) for the cost of returning your body or
(c) Any claim where the carrier or their           ashes to your home;
handling agents have offered reasonable
alternative transport.                             (d) the cost of getting you home or to a UK
                                                   hospital, if it is medically necessary because
(d) Any claim for costs where you have             you are seriously injured or fall seriously ill
received a refund from the carrier or              during your trip and you cannot use your
handling agent.                                    return ticket.

Missed departures:                                 If our Medical Emergency Assistance
(a) Any claim for a missed connection for a        provider and the treating doctor agree that
trip which was not pre-booked before you           it is necessary, we will also pay travel and
left the UK.                                       accommodation costs under 2a and 2d, for
                                                   one relative or friend who has to stay with
(b) Any claim for trips solely within the UK.      you or travel to be with you.

Emergency Medical and Associated                   For each insured person we will pay
Expenses                                           up to:
If you are injured, fall ill, are quarantined or
die during your trip, we will cover you up         ®® £10,000,000 emergency treatment and
to the limits shown below, for:                       associated expenses outside of your
                                                      home territory.
Emergency medical treatment                        ®® £350 emergency dental treatment
(a) Emergency medical treatment outside               outside of your home territory.
your home territory (including rescue
                                                   ®® £10,000 for the cost of your burial or
services to take you to hospital).
                                                      cremation if you die outside of your
                                                      home territory, and/or returning your
(b) Emergency dental treatment required for
                                                      body or ashes to your home.
immediate pain relief only outside of your
home territory.                                    ®® £10,000 associated expenses for claims
                                                      in your home territory.
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