AXA Travel Insurance Policy booklet - November 2011

 
AXA Travel
            Insurance
            Policy booklet

                              November 2011

            F

33418_ACPD0203PB_POL.indd 1              25/01/12 7:47 PM
Contents

                Policy summary – travel insurance                                 3                      P
                Introduction                                                      8
                Definitions                                                       9
                General conditions applicable to the whole policy                12                      Th
                                                                                                         ins
                Claims conditions                                                13
                                                                                                         Th
                Important conditions relating to health                          15
                What is not covered – applicable to all sections of the policy   16
                Sports and activities covered                                    17                      Ty
                Emergency and medical service                                    19                      Tra
                Reciprocal health agreements with other countries                19                      Va
                                                                                                         wil
                Sections of cover
                                                                                                         Ag
                Section A – Cancellation or curtailment charges                  20
                                                                                                         Th
                Section B – Emergency medical and other expenses                 22
                Section C – Hospital benefit                                     25                      Co
                Section D – Personal accident                                    26                      1
                Section E – Baggage                                              27
                Section F – Personal money, passport and documents               29                      2
                Section G – Personal liability                                   30
                Section H – Delayed departure                                    31                      Sp
                Section I – Missed departure                                     33                      po
                Section J – Legal expenses and assistance                        35                      Sig
                Making a complaint                                               36                      1
                Important telephone numbers                                      38

                                                                                                         2

                                                                                                             S

                2

33418_ACPD0203PB_POL.indd 2                                                           25/01/12 7:47 PM
3                   Policy summary – AXA Travel Insurance
 8
 9
12                   This policy summary does not contain full details and conditions of your
                     insurance – these are located in your policy wording.
13
                     This insurance is underwritten by AXA Insurance UK plc.
15
16
17                   Type of insurance and cover
19                   Travel insurance for single trips only.
19                   Various optional covers may also be included – your booking confirmation
                     will show if you selected these options.
                     Age eligibility
20
                     This policy is not available to anyone aged 86 or over.
22
25                   Conditions
26                   1 It is essential that you refer to the important conditions relating
                         to health in the policy wording, as failure to comply with these
27                       conditions may jeopardise your claim or cover.
29                   2 If you are travelling to Australia and you require medical treatment you
30                       must enrol with a local Medicare office.
31                   Special conditions apply to each section of your policy – Please refer to the
33                   policy wording for full details.
35                   Significant features and benefits
36                   1 War risks, civil commotion and terrorism – cover for these events is
38                      provided under Section B – Emergency medical and other expenses,
                        Section C – Hospital benefit and Section D – Personal accident
                        (unless caused by nuclear, chemical or biological attack) – Please see
                        paragraph 1. in the What is not covered – applicable to all sections of
                        the policy in the policy wording for full details.
                     2 The table shows the maximum benefits you can claim for each insured
                        person after the deduction of the policy excess (unless otherwise
                        stated). Some sections are optional and these are marked* – your
                        booking confirmation will show if you selected any of these options.

                      Section                   Title                          Limit     Excess

                          A        Cancellation or curtailment        £750               £100
                                   charges

                          B        Emergency medical and other        £2,000,000         £100
                                   expenses

                                   Emergency dental treatment         £150               £100

                                   Funeral expenses abroad            £1,500             £100

                                   Mountain rescue                    £30,000            £100

                          C        Hospital benefit                   £200 (£20 per      Nil
                                                                      day)

                          D        Personal accident                  £5,000 (subject    Nil
                                                                      to age)

                                                                                                3

     33418_ACPD0203PB_POL.indd 3                                                                     25/01/12 7:47 PM
Policy summary – AXA Travel Insurance continued                                             Po

                                                                                                            Sig
                    Section                 Title                    Limit      Excess
                                                                                                            1
                      E*      Baggage                         £1,000            £100
                                                                                                            2
                              Single article limit            £150              £100
                                                                                                            Wh
                              Total for all valuables         £250              £100                        1

                              Emergency replacement of        £100 (if not      Nil
                              baggage                         returned within
                                                              12 hours)                                     2

                       F      Personal money, passport and    £100 cash         £100
                              documents                       (£50 if under                                 3
                                                              16) and £150
                                                              other money and                               4
                                                              documents                                     5
                                                                                                            6
                              Passport                        £150              £100                        7

                      G       Personal liability              £2,000,000        £150
                                                                                                            Wh
                      H       Delayed departure               £100 (£10         Nil
                                                              after 12 hours                                1
                                                              and £10 per
                                                              12 hours delay
                                                              thereafter)
                                                                                                            2
                      H       Abandonment of trip             £750 (after 12    £100
                                                              hours delay)
                                                                                                            3
                       I      Missed departure                £300              £100
                                                                                                            Wh
                       J      Legal expenses and assistance   £5,000            £100                        oth
                                                                                                            1

                                                                                                            2
                                                                                                            3

                                                                                                            Wh
                                                                                                            1

                                                                                                            Wh
                                                                                                            1

                                                                                                            2

                                                                                                            3

                                                                                                            4

                4

33418_ACPD0203PB_POL.indd 4                                                              25/01/12 7:47 PM
Policy summary – AXA Travel Insurance continued

                     Significant or unusual limitations or what is not covered
ss
                     1 The standard excesses and any increased amount you have agreed to
                        pay will be shown within your policy wording.
0
                     2 Any trip that has already begun when you purchase this insurance will
0                       not be covered.
                     What is not covered applicable to all sections of the policy
0                    1 War risks, civil commotion, terrorism, (except under Section B –
                       Emergency medical and other expenses, Section C – Hospital benefit
                       and Section D – Personal accident unless caused by nuclear, chemical
                       or biological attack), sonic bangs, radioactive contamination.
                     2 There are a number of sports, activities and winter sports that are not
                       covered – Please see paragraphs 4, 5 and 6 in the What is not covered
0                      – applicable to all sections of the policy in the policy wording.
                     3 Climbing on or jumping from vehicles, buildings or balconies
                       regardless of the height.
                     4 Wilful, self inflicted injury, suicide, drug use or solvent abuse.
                     5 You drinking too much alcohol resulting in a claim.
                     6 Unlawful actions and any criminal proceedings brought against you.
0                    7 Travel to a country, specific area or event which the Travel Advice Unit
                       of the Foreign and Commonwealth Office (FCO) has advised against all
0                      travel or all but essential travel.
                     What is not covered under Section A – Cancellation or curtailment charges
                     1 Misconduct leading to dismissal, resignation, voluntary redundancy,
                       entering into a compromise agreement or where you received a
                       warning or notification of redundancy before you purchased this
                       insurance or at the time of booking any trip.
                     2 Any circumstances known to you before you purchased this insurance
                       or at the time of booking any trip that could reasonably be expected to
0                      result in a claim.
                     3 Claims arising directly or indirectly from volcanic eruptions and/or
                       volcanic ash clouds.
0
                     What is not covered under Section B – Emergency medical and
0                    other expenses
                     1 Treatment or surgery which in the opinion of AXA Assistance, can wait
                        until your return to your home area.
                     2 Medication, which prior to departure is known to be required.
                     3 Expenses incurred as a result of a tropical disease where you have
                        not had the NHS recommended inoculations and/or taken the NHS
                        recommended medication.
                     What is not covered under Section C – Hospital benefit
                     1 Hospitalisation, compulsory quarantine or confinement to your
                       accommodation as a result of a tropical disease where you have
                       not had the NHS recommended inoculations and/or taken the NHS
                       recommended medication.
                     What is not covered under Section E – Baggage
                     1 Valuables left unattended at any time unless in a hotel safe, safety
                       deposit box or in your locked accommodation.
                     2 Baggage contained in an unattended vehicle between 9 pm and 9 am
                       (or at any time between 9 am and 9 pm unless it is locked out of sight
                       in a secure baggage area) – Please see the definition of secure baggage
                       area in the Definitions in the policy wording.
                     3 Contact or corneal lenses, hearing aids, dental or medical fittings, ski
                       equipment, golf equipment and other items are excluded – See your
                       policy wording for the full list.
                     4 Business goods, samples or tools used in connection with
                       your occupation.

                                                                                              5

     33418_ACPD0203PB_POL.indd 5                                                                  25/01/12 7:47 PM
Policy summary – AXA Travel Insurance continued                                                        Po

                What is not covered under Section F – Personal money, passport                                         Fin
                and documents                                                                                          We
                1 Personal money or your passport or visa left unattended at any time unless                           Yo
                   in a hotel safe, safety deposit box or in your locked accommodation.                                eve
                2 Loss or theft of traveller’s cheques where you have not complied                                     ins
                   with the issuing agents conditions.                                                                 the
                                                                                                                       (ww
                What is not covered under Section G – Personal liability
                1 Pursuit of any trade, business or profession, or the ownership, possession
                  or use of mechanically propelled vehicles, aircraft or watercraft.
                What is not covered under Section H – Delayed departure
                1 Strike or industrial action existing or being publicly announced by the
                  date you purchased this insurance or at the time of booking any trip.
                2 Claims arising directly or indirectly from volcanic eruptions and/or
                  volcanic ash clouds.
                3 Any costs incurred by you which are recoverable from the public transport
                  operator or for which you receive or are expected to receive compensation,
                  damages, refund of tickets, meals, refreshments, accommodation,
                  transfers, communication facilities or other assistance.
                4 Any travel and accommodation costs, charges and expenses where
                  the public transport operator has offered reasonable alternative
                  travel arrangements.
                What is not covered under Section I – Missed departure
                1 Strike or industrial action existing or being publicly announced by the
                  date you purchased this insurance or at the time of booking any trip.
                2 Your failure to arrive at the departure point in time to board any
                  connecting public transport after your departure on the initial
                  international outbound and return legs of the trip.
                3 Claims arising directly or indirectly from volcanic eruptions and/or
                  volcanic ash clouds.
                Duration
                This policy is for a single trip
                Cancellation period
                You are free to cancel this policy at any time. If you wish to cancel within
                14 days of receipt of the policy documents, you may do so by contacting
                the agent from which you purchased the policy providing you have not
                travelled and no claim has been made. If you cancel after the first 14 days
                of receipt of the documents, no premium refund will be made. See General
                conditions applicable to the whole policy in the policy wording for full details.
                Claim notification
                To make a claim contact 0845 366 2217 (except for Legal expenses
                where you should contact 0845 366 2214).
                Making a complaint
                Any complaint you may have should in the first instance be addressed to
                the claim office or agent from which you purchased the policy as applicable.
                If you are not satisfied with the way in which your complaint has been dealt
                with, you should write to the Customer Care Department of AXA Insurance.
                If the complaint is still not resolved, you can approach the Financial
                Ombudsman Service. Referral to the Financial Ombudsman will not affect
                your right to take legal action.
                Full details of addresses and contact numbers can be found within the
                Making a complaint section of the policy wording.

                6

33418_ACPD0203PB_POL.indd 6                                                                         25/01/12 7:47 PM
Policy summary – AXA Travel Insurance continued

                     Financial Services Compensation Scheme (FSCS)
                     We are covered by the Financial Services Compensation Scheme (FSCS).
ss                   You may be entitled to compensation from the scheme in the unlikely
                     event we cannot meet our obligations to you. This depends on the type of
                     insurance and the circumstances of the claim. Further information about
                     the compensation scheme arrangements is available from the FSCS
                     (www.fscs.org.uk).
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                                                                                                7

     33418_ACPD0203PB_POL.indd 7                                                                    25/01/12 7:47 PM
Introduction                                                                                        D

                This is your travel insurance policy. It contains details of what is covered,                       Th
                conditions and what is not covered, for each insured person and is the                              wh
                basis on which all claims will be settled. It is validated by the issue of the                      ha
                booking confirmation which we recommend be kept with the policy.                                    the
                In return for having accepted your premium we will in the event of bodily                           Ba
                injury, death, illness, disease, loss, theft, damage, legal liability or                            me
                other specified events happening within the period of insurance provide                             (bu
                insurance in accordance with the operative sections of your policy as                               to
                referred to in your booking confirmation.                                                           ca
                The booking confirmation and any endorsements are all part of the policy.
                                                                                                                    Bo
                Your policy is evidence of the contract of insurance.
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                United Kingdom residents                                                                            ext
                This policy is only available to you if you are permanently resident in the                         exp
                United Kingdom and registered with a medical practitioner in the
                                                                                                                    Clo
                United Kingdom.
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                The law which applies to this policy                                                                co
                You and we can choose the law which applies to this policy. We propose                              co
                that English Law applies. Unless we and you agree otherwise English law
                                                                                                                    Clo
                will apply to this policy.
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                Age eligibility                                                                                     da
                This policy is not available to anyone aged 86 or over.                                             da
                Policy excess                                                                                       sis
                Under most sections of the policy, claims will be subject to an excess. This                        fia
                means that you will be responsible for paying the first part of each and                            Cu
                every claim per incident claimed for, under each section by each insured                            me
                person, unless you have paid the additional premium to waive the excess                             1
                as stated in the booking confirmation.
                Helplines
                Please carry this policy with you in case of an emergency. Details of the
                claims helplines can be found in the Claims conditions on page 14.                                  2
                Policy information
                If you would like more information or if you feel the insurance may not
                meet your needs, contact the agent from which you purchased the policy.
                AXA Insurance
                AXA Insurance UK plc is authorised and regulated by the Financial Services
                Authority. FSA number 202312. This can be checked on the FSA’s register by
                visiting the FSA’s website at www.fsa.gov.uk/register or by contacting them                         Fa
                on 0845 606 1234.
                                                                                                                    me
                Data Protection Act Notice                                                                          chi
                To set up and administer your policy we will hold and use information about                         leg
                you supplied by you and by medical providers. We may send it in confidence                          de
                for processing to other companies acting on our instructions including those                        the
                located outside the European Economic Area.                                                         Ho
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                8

33418_ACPD0203PB_POL.indd 8                                                                      25/01/12 7:47 PM
Definitions

,                    These definitions apply throughout your policy booklet. Where we explain
                     what a word means that word will appear highlighted in bold print and
e                    have the same meaning wherever it is used in the policy. We have listed
                     the definitions alphabetically.
                     Baggage
                     means luggage, clothing, personal effects, valuables and other articles
                     (but excluding personal money and documents of any kind) which belong
                     to you (or for which you are legally responsible) which are worn, used or
                     carried by you during any trip.
                     Bodily injury
                     means an identifiable physical injury caused by sudden, unexpected,
                     external and visible means including injury as a result of unavoidable
e                    exposure to the elements.
                     Close business associate
                     means any person whose absence from business for one or more
                     complete days at the same time as your absence prevents the proper
                     continuation of that business.
w
                     Close relative
                     means mother, father, sister, brother, wife, husband, civil partner,
                     daughter, son, grandparent, grandchild, parent-in-law, son-in-law,
                     daughter-in-law, sister-in-law, brother-in-law, step parent, step child, step
                     sister, step brother, foster child, legal guardian, domestic partner or
his                  fiancé/fiancée.
                     Curtailment/Curtail/Curtailed
                     means either:
s                    1 abandoning or cutting short the trip by direct early return to your home
                        area, in which case claims will be calculated from the day you returned
                        to your home area and based on the number of complete days of your
                        trip you have not used, or
                     2 by attending a hospital outside your home area as an in-patient or
                        being confined to your accommodation abroad due to compulsory
                        quarantine or on the orders of a medical practitioner, in either case
                        for a period in excess of 48 hours. Claims will be calculated from
y.
                        the day the ill/injured person was admitted to hospital or confined
                        to your accommodation and based on the number of complete days
                        for which you were hospitalised, quarantined or confined to your
y                       accommodation. Cover only applies to ill/injured persons.
                     Family cover
                     means up to two adults and up to four of their children, grandchildren, step
                     children or foster children aged under 18, accompanying the parents or
ut                   legal guardian insured on the same policy travelling on any trip to the same
ce                   destination. The children are only insured when travelling with one or both of
se                   the insured adults, (or accompanied by another responsible adult).
                     Home
                     means your normal place of residence in the United Kingdom.
                     Home area
                     For residents of the United Kingdom excluding Channel Islands and the
                     Isle of Man, your home area means the United Kingdom excluding Channel
                     Islands and the Isle of Man. For residents of the Channel Islands and the
                     Isle of Man, your home area means either the particular Channel Island on
                     which you live or the Isle of Man depending on where your home is.
                     Insured Person
                     See definition of You/Your/Yourself/Insured person.
                     Medical condition
                     means any disease, illness or injury.

                                                                                                     9

     33418_ACPD0203PB_POL.indd 9                                                                         25/01/12 7:47 PM
Definitions continued                                                                                 De

                Medical practitioner                                                                                  Te
                means a registered practising member of the medical profession                                        me
                recognised by the law of the country where they are practising, who is not                            an
                related to you or any person who you are travelling with.                                             ac
                                                                                                                      go
                Period of insurance
                                                                                                                      pu
                means the period of the trip and terminating upon its completion, but not                             pu
                in any case exceeding the period shown in your booking confirmation.
                Under these policies Section A – Cancellation cover will be operative from                            Tri
                the time you pay the premium.                                                                         me
                For all other sections of the policy, the insurance starts when you leave                             wit
                your home or for a business trip your place of business (whichever is the                             bo
                later) to start the trip and ends at the time of your return to your home or                          of
                place of business (whichever is the earlier) on completion of the trip.                               trip
                                                                                                                      co
                However any trip that had already begun when you purchased this insurance
                                                                                                                      Ho
                will not be covered.
                                                                                                                      wil
                The period of insurance is automatically extended for the period of the delay in
                the event that your return to your home area is unavoidably delayed due to an                         Un
                event insured by this policy.                                                                         me
                                                                                                                      un
                Personal money
                                                                                                                      Un
                means bank notes, currency notes and coins in current use, travellers’
                and other cheques, postal or money orders, pre-paid coupons or vouchers,                              me
                travel tickets, event and entertainment tickets, phonecards, money cards                              the
                and credit/debit or pre-pay charge cards all held for private purposes.                               Va
                Pre-existing medical condition                                                                        me
                                                                                                                      sto
                means:
                                                                                                                      na
                1 Any respiratory condition (relating to the lungs or breathing),                                     tel
                   heart condition, stroke, Crohn’s disease, epilepsy or cancer for                                   CD
                   which you have ever received treatment (including surgery, tests                                   co
                   or investigations by your doctor or a consultant/specialist and
                   prescribed drugs or medication).                                                                   We
                2 Any medical condition for which you have received surgery, in-patient                               me
                   treatment or investigations in a hospital or clinic within the last                                Re
                   twelve months.                                                                                     Yo
                3 Any medical condition for which you are taking prescribed drugs                                     me
                   or medication.                                                                                     ins
                Public transport
                means any publicly licensed aircraft, sea vessel, train, coach or bus on
                which you are booked or had planned to travel.
                Secure baggage area
                means any of the following, as and where appropriate:
                1 The locked dashboard, boot or luggage compartment of a motor vehicle
                2 The locked luggage compartment of a hatchback vehicle fitted with
                   a lid closing off the luggage area, or of an estate car with a fitted and
                   engaged tray or roller blind cover behind the rear seats
                3 The fixed storage units of a locked motorised or towed caravan
                4 A locked luggage box, locked to a roof rack which is itself locked to the
                   vehicle roof.

                10

33418_ACPD0203PB_POL.indd 10                                                                       25/01/12 7:47 PM
Definitions continued

                      Terrorism
                      means an act, including but not limited to the use of force or violence
t                     and/or the threat thereof, of any person or group(s) of persons, whether
                      acting alone or on behalf of or in connection with any organisation(s) or
                      governments, committed for political, religious, ideological or similar
                      purposes including the intention to influence any government and/or to
 t                    put the public, or any section of the public, in fear.
m                     Trip
                      means any holiday, business or pleasure trip or journey made by you
                      within the area of travel shown in the insurance details contained in your
e                     booking confirmation which begins and ends in your home area or place
                      of business during the period of insurance, but with cover for one way
                      trips or journeys ceasing 12 hours after you first leave the immigration
                      control of the country in which your final destination is situated.
 ce
                      However any trip that had already begun when you purchased this insurance
                      will not be covered.
y in
an                    Unattended
                      means when you are not in full view of and not in a position to prevent
                      unauthorised interference with your property or vehicle.
                      United Kingdom
rs,                   means England, Scotland, Wales, Northern Ireland, the Isle of Man and
s                     the Channel Islands.
                      Valuables
                      means jewellery, gold, silver, precious metal or precious or semiprecious
                      stone articles, watches, furs, cameras, camcorders, portable satellite
                      navigation systems, photographic, audio, video, computer, television and
                      telecommunications equipment (including mobile phones, MP3/4 players,
                      CD’s, DVD’s, tapes, films, cassettes, cartridges and headphones),
                      computer games and associated equipment, telescopes and binoculars.
                      We/Us/Our
 nt                   means AXA Insurance UK plc. Registered in England No. 78950.
                      Registered Office: 5 Old Broad Street, London, EC2N 1AD.
                      You/Your/Yourself/Insured person
                      means each person travelling on a trip whose name appears in the
                      insurance details contained in your booking confirmation.

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                                                                                              11

      33418_ACPD0203PB_POL.indd 11                                                                 25/01/12 7:47 PM
General conditions applicable to the                                                               C
                whole policy
                You must comply with the following conditions to have the full protection                          Yo
                of your policy.                                                                                    of
                If you do not comply we may cancel the policy or refuse to deal with your                          If y
                claim or reduce the amount of any claim payment.                                                   cla
                                                                                                                   ph
                1. Dual insurance
                                                                                                                   de
                If at the time of any incident which results in a claim under this policy,
                there is another insurance covering the same loss, damage, expense or                              1.
                liability we will not pay more than our proportional share (not applicable to
                                                                                                                   All
                Section D – Personal accident).
                                                                                                                   08
                2. Reasonable precautions
                                                                                                                   Le
                At all times you must take all reasonable precautions to avoid injury,                             08
                illness, disease, loss, theft or damage and take all reasonable steps
                to safeguard your property from loss or damage and to recover property                             Fo
                lost or stolen.                                                                                    +4
                3. Cancellation                                                                                    Or
                Statutory cancellation rights                                                                      ph
                You may cancel this policy within 14 days of receipt of the policy                                 Th
                documents (new business) by contacting your original issuing agent                                 aft
                (whose contact details are shown on your booking confirmation) during                              red
                the cancellation period. Any premium already paid will be refunded to you                          to
                providing you have not travelled, no claim has been made or is intended to                         Yo
                be made and no incident likely to result in a claim has occurred.                                  or
                                                                                                                   be
                Cancellation outside the statutory period
                                                                                                                   mu
                You may cancel this policy at any time after the cancellation period by                            pe
                contacting your original issuing agent (whose contact details are shown on                         the
                your booking confirmation). If you cancel after the cancellation period no
                                                                                                                   Yo
                premium refund will be made.
                                                                                                                   inf
                We reserve the right to cancel the policy by providing 21 days notice by                           an
                registered post to your last known address. No refund of premium will                              un
                be made.                                                                                           ne
                Non payment of premiums                                                                            We
                We can cancel the policy immediately by sending you written notice if you do                       exa
                not pay the premium.                                                                               mo
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                12

33418_ACPD0203PB_POL.indd 12                                                                    25/01/12 7:47 PM
Claims conditions

                     You must comply with the following conditions to have the full protection
                     of your policy.
                     If you do not comply we may cancel the policy or refuse to deal with your
                     claim or reduce the amount of any claim payment. You must contact us by
                     phone if you want to make a claim using the relevant number given below,
                     depending on the type of claim:

                     1. Claims
to
                     All claims except Legal expenses
                     0845 366 2217
                     Legal expenses only
                     0845 366 2214
                     For medical assistance and/or repatriation claims
                     +44 845 366 2215
                     Or if you are in a country that does not accept the above international
                     phone number please call +44 203 285 7998.
                     The claim notification must be made within 31 days or as soon as possible
                     after that following any bodily injury, illness, disease, incident, event,
                     redundancy or the discovery of any loss, theft or damage which may lead
u                    to a claim under this policy.
to                   You must also tell us if you are aware of any court claim form, summons
                     or impending prosecution. Every communication relating to a claim must
                     be sent to us as soon as possible. You or anyone acting on your behalf
                     must not negotiate, admit or repudiate (refuse) any claim without our
                     permission in writing and cooperate fully with us in our investigations into
on                   the circumstance of your claim.
o
                     You or your legal representatives must supply at your own expense, all
                     information, evidence, details of household insurance, proof of ownership
                     and medical certificates as required by us. You should refer to the section
                     under which you are claiming for further details of the evidence that we
                     need to deal with your claim.
                     We reserve the right to require you to undergo an independent medical
do                   examination at our expense. We may also request and will pay for a post
                     mortem examination.
                     You must retain any property which is damaged, and if requested, send
                     it to us at your own expense. If we pay a claim for the full value of the
                     property and it is then recovered it will then become our property.
                     We may refuse to reimburse you for any property which you cannot provide
                     proof of ownership such as an original receipt, a valuation, original user
                     manual or bank or credit card statements.
                     2. Transferring of rights
                     We are entitled to take over any rights in the defence or settlement of any
                     claim and to take proceedings in your name for our benefit against any
                     other party.
                     3. Fraud
                     You must not act in a fraudulent manner.
                     If you or anyone acting for you
                     1 Make a claim under the policy knowing the claim to be false or
                          fraudulently exaggerated in any way; or
                     2 Make a statement in support of a claim knowing the statement to be
                          false in any way; or
                     3 Submit a document in support of a claim knowing the document to be
                          forged or false in any way; or
                     4 Make a claim for any loss or damage caused by your wilful act or with
                          your connivance

                                                                                              13

     33418_ACPD0203PB_POL.indd 13                                                                   25/01/12 7:47 PM
Claims conditions continued                                                                    Im

                Then                                                                                           Yo
                1 we will not pay the claim                                                                    of
                2 we will not pay any other claim which has been or will be made under                         If y
                   the policy                                                                                  cla
                3 we may make the policy void from the date of the fraudulent act
                4 we will be entitled to recover from you the amount of any claim already                      1
                   paid under the policy
                5 we will not refund any premium
                6 we may inform the police of the circumstances.

                                                                                                               un

                                                                                                               If y
                                                                                                               yo
                                                                                                               tel
                                                                                                               co
                                                                                                               Yo
                                                                                                               the

                14

33418_ACPD0203PB_POL.indd 14                                                                25/01/12 7:47 PM
Important conditions relating to health

                     You must comply with the following conditions to have the full protection
                     of your policy.
                     If you do not comply we may cancel the policy or refuse to deal with your
                     claim or reduce the amount of any claim payment.

dy                   1   It is a condition of this policy that you will not be covered under Section
                         A – Cancellation or curtailment charges, Section B – Emergency
                         medical and other expenses, Section C – Hospital benefit and Section
                         D – Personal accident for any claims arising directly or indirectly from:
                         a At the time of taking out this policy:
                              i Any pre-existing medical condition you have unless
                                  you have contacted AXA medical screening at www.
                                  yourmedicalscreening.co.uk or called us on 0845 366 2216
                                  and we have agreed in writing, to cover you
                              ii Any medical condition for which you have received a
                                  terminal prognosis
                              iii Any medical condition you are aware of but for which you have
                                  not had a diagnosis
                              iv Any medical condition for which you are on a waiting list
                                  for or have knowledge of the need for surgery, treatment or
                                  investigation at a hospital, clinic or nursing home
                              v Any medical condition affecting you, a close relative or a
                                  close business associate that you are aware of, that could
                                  reasonably be expected to result in a claim on this policy
                     unless we have agreed in writing, to cover you.
                          b At any time:
                              i Any medical condition you have which a medical practitioner
                                  has advised you not to travel (or would have done so had you
                                  sought his/her advice), but despite this you still travel
                              ii Any surgery, treatment or investigations for which you intend
                                  to travel outside of your home area to receive (including any
                                  expenses incurred due to the discovery of other medical
                                  conditions during and/or complications arising from
                                  these procedures)
                              iii Any medical condition for which you are not taking the
                                  recommended treatment or prescribed medication as directed
                                  by a medical practitioner
                              iv Your travel against any health requirements stipulated by the
                                  carrier, their handling agents or any other public transport
                                  provider.
                     If your health changes after the start date of your policy and the date
                     your travel tickets or confirmation of booking were issued, you should
                     telephone our customer helpline on 0845 366 2216 to make sure your
                     cover is not affected.
                     You should also refer to What is not covered – applicable to all sections of
                     the policy.

                                                                                                 15

     33418_ACPD0203PB_POL.indd 15                                                                      25/01/12 7:47 PM
What is not covered – applicable to all                                                              Sp

                sections of the policy

                We will not pay for claims arising directly or indirectly from:                                      11
                1. War risks, civil commotion and terrorism                                                          Op
                War, invasion, acts of foreign enemies, hostilities or warlike operations                            fro
                (whether war be declared or not), civil war, rebellion, terrorism, revolution,                       for
                insurrection, civil commotion assuming the proportions of or amounting to                            12
                an uprising, military or usurped power but this exclusion shall not apply to                         Yo
                losses under Section B – Emergency medical and other expenses, Section                               of
                C – Hospital benefit and Section D – Personal accident unless such losses                            co
                are caused by nuclear, chemical or biological attack, or the disturbances                            es
                were already taking place at the beginning of any trip.
                2. Radioactive contamination
                Ionising radiation or contamination by radioactivity from any nuclear fuel or                        S
                from any nuclear waste, from combustion of nuclear fuel, the radioactive,
                toxic, explosive or other hazardous properties of any nuclear assembly or                            The
                nuclear component of such assembly.                                                                  wit
                3. Sonic bangs                                                                                       ad
                Loss, destruction or damage directly caused by pressure waves                                        Se
                caused by aircraft and other aerial devices travelling at sonic or                                   pa
                supersonic speeds.                                                                                   An
                                                                                                                     co
                4. Professional sports or entertaining                                                               sa
                Your participation in or practice of any professional sports or professional                         De
                entertaining.                                                                                        co
                5. Other sports or activities                                                                        No
                Your participation in or practice of any other sport or activity, manual work,                       ma
                driving any motorised vehicle or racing unless:                                                      Sp
                    a specified in the list on page 18 or                                                            Arc
                    b shown as covered in your booking confirmation.                                                 Ba
                6. Suicide, drug use or solvent abuse                                                                Ba
                                                                                                                     Ba
                Your wilfully self-inflicted injury or illness, suicide or attempted suicide,                        Ba
                sexually transmitted diseases, solvent abuse, drug use (other than drugs                             Be
                taken in accordance with treatment prescribed and directed by a medical                              Bo
                practitioner, but not for the treatment of drug addiction) and putting yourself                      Bu
                at needless risk (except in an attempt to save human life).                                          *C
                7. Alcohol abuse                                                                                     Ca
                You drinking too much alcohol or alcohol abuse where it is reasonably                                *C
                foreseeable that such consumption could result in an impairment of your                              Cri
                faculties and/or judgement resulting in a claim. We do not expect you to                             Cy
                avoid alcohol on your trips or holidays, but we will not cover any claims                            Din
                arising because you have drunk so much alcohol that your judgement is                                Ele
                seriously affected and you need to make a claim as a result.                                         Fe
                                                                                                                     Fe
                8. Jumping from vehicles, buildings or balconies
                                                                                                                     Fis
                You climbing on top of, or jumping from a vehicle or jumping from a building                         Fo
                or balcony, or sitting, planking, owling or lying on any external part of any                        GA
                building, or climbing or moving from any external part of any building to                            Go
                another (apart from stairs, ramps or walkways) and falling regardless                                Hik
                of the height, unless your life is in danger or you are attempting to save                           ab
                human life.                                                                                          Ho
                9. Unlawful action                                                                                   Ho
                Your own unlawful action or any criminal proceedings against you.                                    Jog
                                                                                                                     Ka
                10. Additional loss or expense                                                                       Ma
                Any other loss, damage or additional expense following on from the event                             Mo
                for which you are claiming, unless we provide cover under this insurance.                            Ne
                Examples of such loss, damage or additional expense would be the cost of                             *N
                replacing locks after losing keys, costs incurred in preparing a claim or loss                       du
                of earnings following bodily injury, illness or disease.                                             Ori

                16

33418_ACPD0203PB_POL.indd 16                                                                      25/01/12 7:47 PM
Sports and activities covered

                      11. Armed Forces
                      Operational duties of a member of the Armed Forces (other than claims arising
                      from authorised leave being cancelled due to operational reasons, as provided
 n,                   for under subsection 1.d). of Section A – Cancellation or curtailment charges).
 to                   12. Travelling against FCO advice
 o                    Your travel to a country, specific area or event when the Travel Advice Unit
on                    of the Foreign & Commonwealth Office (FCO) or regulatory authority in a
 es                   country to/from which you are travelling has advised against all, or all but
s                     essential travel.

or                    Sports and activities covered
,
r                     The following lists detail the sports and activities that this policy will cover
                      without charge (or can be covered when you have paid the appropriate
                      additional premium) under Section B – Emergency medical and other expenses,
                      Section D – Personal accident and Section G – Personal Liability when you are
                      participating on a recreational and non professional basis during any trip.
                      Any involvement is these sports and/or activities is subject to your
                      compliance with local laws and regulations and the use of recommended
                      safety equipment (such as helmet, harness, knee and/or elbow pads).
al                    Details of any other sports and activities which you have purchased
                      cover for will be shown in your booking confirmation.
                      No cover under Section G – Personal liability for those sports or activities
 k,                   marked with *
                      Sports and activities covered as standard without charge
                      Archery
                      Badminton
                      Banana boating
                      Baseball (amateur)
                      Basketball (amateur)
                      Beach games
                      Body boarding (boogie boarding)
f                     Bungee jump (1 jump)
                      *Camel riding
                      Canoeing (up to grade 2)
                      *Clay pigeon shooting
                      Cricket (amateur)
                      Cycling / cycle touring (up to 2 days only)
                      Dinghy sailing
                      Elephant riding
                      Fell walking up to 2,500 metres above sea level
                      Fencing
                      Fishing
 ng                   Football (amateur and not the main purpose of the trip)
                      GAA football (amateur and not the main purpose of the trip)
                      Golf
                      Hiking (without the use of any climbing equipment) up to 2,500 metres
                      above sea level
                      Horse riding (up to 2 days)
                      Hot air ballooning (one balloon ride)
                      Jogging
                      Kayaking (up to grade 2)
                      Marathon running (amateur)
                      Mountain biking (2 days maximum)
                      Netball (amateur)
f                     *Non manual work (including professional, administrative or clerical
s                     duties only)
                      Orienteering

                                                                                                   17

      33418_ACPD0203PB_POL.indd 17                                                                       25/01/12 7:47 PM
Sports and activities covered continued                                                          Em

                Outwardbound pursuits                                                                            Yo
                *Paintballing                                                                                    ac
                Parascending (over water)                                                                        arr
                Pony trekking                                                                                    ne
                Racquetball                                                                                      da
                Rambling                                                                                         ho
                Ringos                                                                                           au
                River canoeing (up to Grade 2)                                                                   co
                Roller blading                                                                                   as
                Roller skating                                                                                   Me
                Rounders
                                                                                                                 AX
                Rowing
                                                                                                                 sh
                Running – sprint/long distance (amateur)
                                                                                                                 arr
                Safari
                                                                                                                 or
                Sail boarding
                                                                                                                 clo
                Sailing within territorial waters
                Scuba diving down to 18 metres (up to 2 dives only)                                              Pa
                Sea canoeing/kayaking                                                                            If y
                Sea fishing (2 trips maximum)                                                                    arr
                Skate boarding                                                                                   to
                Snorkelling                                                                                      co
                Squash (amateur)                                                                                 tre
                Surfing (amateur, 2 days maximum)                                                                Pa
                Swimming (recreational)
                Tennis (amateur)                                                                                 If y
                Track events (amateur)                                                                           bo
                Trekking up to 2,500 metres above sea level                                                      AX
                Volleyball (amateur)                                                                             wh
                Wakeboarding (amateur, 2 days maximum)                                                           ca
                War games                                                                                        Yo
                Water polo (amateur)                                                                             So
                Water skiing (amateur, 2 days maximum)                                                           yo
                White water rafting (up to Grade 2)                                                              on
                Windsurfing (amateur, 2 days maximum)                                                            to
                *Yachting (racing/crewing inside territorial waters)                                             AX
                Zorbing                                                                                          Ins
                In respect of lapland trips only, the following supervised winter                                Ple
                sports activities:                                                                               se
                Ice skating                                                                                      cu
                *Ski – dooing                                                                                    Or
                *Sledging/sleigh riding as a passenger (pulled by dogs, horses or reindeer)                      ph
                *Snow mobiling
                Snow shoe walking
                Sports and activities that can be covered if the appropriate additional                          Re
                premium has been paid as shown in your booking confirmation
                Category A sports and activities
                                                                                                                 EU
                Dry slope skiing
                                                                                                                 If y
                *Fencing
                                                                                                                 Eu
                Hockey (amateur)
                                                                                                                 to
                Kite surfing                                                                                     EH
                Sand dune surfing or skiing                                                                      Th
                Street hockey (wearing pads and helmets)                                                         exi
                Category B sports and activities                                                                 If w
                American football (amateur)                                                                      be
                Rugby (amateur)                                                                                  pri
                Summer (or grass) tobogganing                                                                    Em
                Any sports and activities not featured on your booking confirmation or in
                the list above are not covered.

                18

33418_ACPD0203PB_POL.indd 18                                                                  25/01/12 7:47 PM
Emergency and medical service

                    You must contact AXA Assistance in the event of an illness or
                    accident which may lead to in-patient hospital treatment or before any
                    arrangements are made for repatriation; or in the event of curtailment
                    necessitating your early return home. The service operates 24 hours a
                    day, 365 days a year for advice, assistance, making arrangements for
                    hospital admission, repatriation (returning you to your home area) and
                    authorisation of medical expenses. If this is not possible because the
                    condition requires emergency treatment you must contact AXA Assistance
                    as soon as possible.
                    Medical assistance abroad
                    AXA Assistance has the medical expertise, contacts and facilities to help
                    should you be injured in an accident or fall ill. AXA Assistance will also
                    arrange transport home when this is considered to be medically necessary
                    or when you are told about the illness or death of a close relative or a
                    close business associate at home.
                    Payment for inpatient medical treatment abroad
                    If you are admitted to a hospital/clinic while abroad, AXA Assistance will
                    arrange for medical expenses, covered by the policy, to be paid direct
                    to the hospital/clinic. To take advantage of this benefit someone must
                    contact AXA Assistance for you as soon as possible. Private medical
                    treatment is not covered unless authorised specifically by AXA Assistance.
                    Payment for outpatient medical treatment abroad
                    If you need outpatient medical treatment please provide a copy of your
                    booking confirmation to the doctor and your treatment will be paid for by
                    AXA Assistance. Please also show the instructions below to the doctor,
                    which explains what the hospital/clinic needs to tell us so that payment
                    can be arranged.
                    You will need to pay any excess at the time of treatment.
                    Some hospitals/clinics may not wish to settle their bill directly with us and
                    you may be asked to pay for your treatment and claim this back from us
                    on your return to your home area. In this case beware of requests for you
                    to sign for excessive treatment or charges. If you are in doubt, please call
                    AXA Assistance for guidance.
                    Instructions to outpatient clinics
                    Please call AXA Assistance on +44 845 366 2215 stating that you are
                    seeking payment for outpatient treatment to a AXA travel insurance
                    customer and quote the booking reference from their booking confirmation.
                    Or if you are in a country that does not accept the above international
)                   phone number please call +44 203 285 7998.

                    Reciprocal health agreements with other countries

                    EU, EEA or Switzerland
                    If you are travelling to countries within the European Union (EU), the
                    European Economic Area (EEA) or Switzerland you are strongly advised
                    to obtain a European Health Insurance Card (EHIC). You can apply for an
                    EHIC either online at www.ehic.org.uk or by telephoning 0845 606 2030.
                    This will entitle you to benefit from the health care arrangements which
                    exist between countries within the EU/EEA or Switzerland.
                    If we agree to pay for a medical expense which has been reduced
                    because you have used either a European Health Insurance Card or
                    private health insurance, we will not deduct the excess under Section B –
                    Emergency medical and other expenses.

                                                                                              19

    33418_ACPD0203PB_POL.indd 19                                                                    25/01/12 7:47 PM
Section A – Cancellation or curtailment charges                                                     Se

                Australia                                                                                           Sp
                If you need medical treatment in Australia you must enrol with a local                              1
                MEDICARE office. You do not need to enrol when you arrive, but you must
                do this after the first occasion you receive treatment. In-patient and out-
                patient treatment at a public hospital will then be available free of charge.
                Details of how to enrol and the free treatment available can be found by
                visiting the MEDICARE website on www.medicareaustralia.gov.au. or by                                2
                emailing medicare@ medicareaustralia.gov.au. Alternatively please call
                AXA Assistance for guidance.
                If you are admitted to hospital you must contact AXA Assistance as soon
                as possible and get their authorisation for any treatment not available                             3
                under MEDICARE.
                Contact AXA Assistance on telephone number: +44 845 366 2215
                Or if you are in a country that does not accept the above international
                phone number please call +44 203 285 7998.

                Section A – Cancellation or
                curtailment charges                                                                                 sta
                                                                                                                    We
                                                                                                                    ne
                What is covered                                                                                     co
                We will pay you up to £750 for your proportion only of any irrecoverable                            an
                unused travel and accommodation costs and other pre-paid charges                                    ke
                (including excursions up to £100) which you have paid or are contracted to                          4
                pay, together with your proportion only of any reasonable additional travel
                expenses incurred if
                     a cancellation of the trip is necessary and unavoidable or
                                                                                                                    Wh
                     b the trip is curtailed before completion
                                                                                                                    1
                     as a result of any of the following events:
                1 The death, bodily injury, illness, disease, or complications arising as a                         2
                     direct result of pregnancy of:
                     a you
                     b any person who you are travelling or have arranged to travel with
                     c any person who you have
                         arranged to stay with
                     d your close relative                                                                          3
                     e your close business associate.
                2 You or any person who you are travelling or have arranged to travel
                     with being quarantined, called as a witness at a Court of Law or for
                     jury service attendance.
                3 Redundancy of you or any person who you are travelling or have
                     arranged to travel with (which qualifies for payment under current
                     United Kingdom redundancy payment legislation, and at the time of
                     booking the trip there was no reason to believe anyone would be made
                     redundant).
                4 You or any person who you are travelling or have arranged to travel with,
                     are a member of the Armed Forces, Territorial Army, Police, Fire, Nursing                      4
                     or Ambulance Services or employees of a Government Department
                     and have your/their authorised leave cancelled or are called up for
                     operational reasons, provided that the cancellation or curtailment could                       5
                     not reasonably have been expected at the time when you purchased this
                     insurance or at the time of booking any trip.
                5 The Police or other authorities requesting you to stay at or return
                     to your home due to serious damage to your home caused by fire,                                6
                     aircraft, explosion, storm, flood, subsidence, fallen trees, collision by
                     road vehicles, malicious people or theft.                                                      Yo

                20

33418_ACPD0203PB_POL.indd 20                                                                     25/01/12 7:47 PM
Section A – Cancellation or curtailment charges continued

                     Special conditions relating to claims
                     1 You must get (at your own expense) a medical certificate from a
st                       medical practitioner and the prior approval of AXA Assistance to
                         confirm the necessity to return home, prior to curtailment of the trip
e.                       due to death, bodily injury, illness, disease or complications arising as
                         a direct result of pregnancy.
                     2 If you fail to notify the travel agent, tour operator or provider of
                         transport or accommodation as soon as you find out it is necessary
                         to cancel the trip, the amount we will pay will be limited to the
n                        cancellation charges that would have otherwise applied.
                     3 If you cancel the trip due to:
                         a stress, anxiety, depression or any other mental or nervous disorder
                             that you are suffering from you must provide (at your own expense)
                             a medical certificate from either a registered mental health
                             professional if you are under the care of Community Mental Health
                             Team or if not, a consultant specialising in the relevant field or
                         b any other bodily injury, illness, disease or complications arising
                             as a direct result of pregnancy, you must provide (at your own
                             expense) a medical certificate from a medical practitioner
                     stating that this necessarily and reasonably prevented you from travelling.
                     We need the medical certificate completed as soon as you find out it is
                     necessary to cancel the trip, as any delay in seeing a medical practitioner
                     could mean that your symptoms are no longer present. If you cannot get
                     an immediate appointment, please make one for as early as possible and
                     keep all details of this to help substantiate your claim.
                     4 You must get (at your own expense) a repair report from the contractor
                         who carried out the necessary repairs to make your home secure,
                         confirming the cause of the damage and the cost of the repairs.
                     What is not covered
                     1 The first £100 of each and every claim, per incident claimed for, under
                        this section by each insured person.
                     2 The cost of your unused original tickets where AXA Assistance or we
                        have arranged and paid for you to come home following curtailment of
                        the trip. If however you have not purchased a return ticket, we reserve
                        the right to deduct the cost of an economy flight from any additional
                        costs we have incurred which are medically necessary to repatriate
                        you to your home.
                     3 Any claims arising directly or indirectly from:
                        a Your misconduct or misconduct by any person who you are
el                          travelling with or have arranged to travel with leading to dismissal,
or                          your/their resignation, voluntary redundancy, you/they entering
                            into a compromise agreement, or where you/they had received a
                            warning or notification of redundancy before you purchased this
                            insurance or at the time of booking any trip.
                        b Circumstances known to you before you purchased this insurance
de                          or at the time of booking any trip which could reasonably have been
                            expected to lead to cancellation or curtailment of the trip.
,                       c Volcanic eruptions and/or volcanic ash clouds.
g                    4 Travel tickets paid for using any airline mileage or supermarket reward
                        scheme (for example Avios formerly known as Air Miles), unless evidence
                        of specific monetary value can be provided.
d                    5 Accommodation costs paid for using any Timeshare, Holiday Property
is                      Bond or other holiday points or supermarket reward scheme. In
                        addition any property maintenance costs or fees incurred by you as
                        part of your involvement in such schemes is not covered.
                     6 Anything mentioned in What is not covered applicable to all sections of
y                       the policy.
                     You should also refer to the Important conditions relating to health.

                                                                                               21

     33418_ACPD0203PB_POL.indd 21                                                                    25/01/12 7:47 PM
Section B – Emergency medical and other expenses                                                  Se

                Claims evidence                                                                                   6
                We will require (at your own expense) the following evidence where relevant:
                1 A medical certificate from the treating medical practitioner (or in the
                    case of stress, anxiety, depression or any other mental or nervous
                    disorder, either a registered mental health professional if you are
                    under the care of a Community Mental Health Team or if not, a
                    consultant specialising in the relevant field) explaining why it was
                    necessary for you to cancel or curtail the trip.                                              7
                2 In the case of death causing cancellation or curtailment of the trip, the
                    original death certificate.
                3 Booking confirmation together with a cancellation invoice from your
                    travel agent, tour operator or provider of transport/accommodation.
                4 In the case of curtailment claims, written details from your travel
                    agent, tour operator or provider of transport/accommodation of the
                    separate costs of transport, accommodation and other pre-paid costs
                    or charges that made up the total cost of the trip.
                5 Your unused travel tickets.
                6 Receipts or bills for any costs, charges or expenses claimed for.
                7 In the case of compulsory quarantine, a letter from the relevant                                8
                    authority or the treating medical practitioner.
                8 In the case of jury service or witness attendance, the court summons.
                9 The letter of redundancy for redundancy claims.
                10 A letter from the commanding officer concerned, confirming
                    cancellation of authorised leave or call up for operational reasons.
                11 In the case of serious damage to your home a report from the Police or                         Sp
                    relevant authority.                                                                           1
                12 Any other relevant information relating to your claim under this section
                   that we may ask you for.
                                                                                                                  2

                Section B – Emergency medical and
                other expenses
                What is covered                                                                                   3
                We will pay you up to £2,000,000 for the following expenses which are
                necessarily incurred during a trip as a result of you suffering unforeseen
                bodily injury, illness, disease and/or compulsory quarantine:
                1 Emergency medical, surgical, hospital, ambulance and nursing fees
                   and charges incurred outside of your home area.
                2 Emergency dental treatment for the immediate relief of pain up to a
                   limit of £150 incurred outside of your home area.
                3 The cost of mountain rescue services incurred outside of your home
                                                                                                                  Wh
                   area up to a maximum of £30,000 where medically necessary.
                                                                                                                  1
                4 Costs of telephone calls:
                   a to AXA Assistance notifying and dealing with the problem for which
                                                                                                                  2
                        you are able to provide receipts or other reasonable evidence to
                        show the cost of the calls and the numbers you telephoned
                   b incurred by you when you receive calls on your mobile phone from
                        AXA Assistance for which you are able to provide receipts or other
                                                                                                                  3
                        reasonable evidence to show the cost of the calls.
                5 The cost of taxi fares for your travel to or from hospital relating to
                   your admission, discharge or attendance for outpatient treatment or
                   appointments and/or for collection of medication prescribed for you by
                   the hospital.

                22

33418_ACPD0203PB_POL.indd 22                                                                   25/01/12 7:47 PM
Section B – Emergency medical andother expenses continued

                      6   If you die:
nt:                       a outside your home area the reasonable additional cost of funeral
                               expenses abroad up to a maximum of £1,500 plus the reasonable
                               cost of returning your ashes to your home, or the additional costs of
                               returning your body to your home
                          b within your home area the reasonable additional cost of returning
                               your ashes or body to your home up to a maximum of £750.
                      7   Reasonable additional transport and/or accommodation expenses
 he                       incurred, up to the standard of your original booking (for example
                          full or half board, all inclusive, bed and breakfast, self catering or
                          room only), if it is medically necessary for you to stay beyond your
                          scheduled return date.
                          This includes, with the prior authorisation of AXA Assistance,
                          reasonable additional transport and/or accommodation expenses
 s                        for a travelling companion, friend or close relative to stay with you or
                          travel to you from the United Kingdom or escort you. Also additional
                          travel expenses to return you to your home or a suitable hospital
                          nearby if you cannot use the return ticket.
                      8   With the prior authorisation of AXA Assistance, the additional
                          costs incurred in the use of air transport or other suitable means,
                          including qualified attendants, to repatriate you to your home if it is
                          medically necessary. These expenses will be for the identical class
                          of travel utilised on the outward journey unless AXA Assistance
                          agree otherwise.

 or                   Special conditions relating to claims
                      1 You must tell AXA Assistance as soon as possible of any bodily injury,
                         illness or disease which necessitates your admittance to hospital as an
on                       in-patient or before any arrangements are made for your repatriation.
                      2 If you suffer bodily injury, illness or disease we reserve the right
                         to move you from one hospital to another and/or arrange for your
                         repatriation to the United Kingdom at any time during the trip. We will
                         do this, if in the opinion of AXA Assistance or us (based on information
                         provided by the medical practitioner in attendance), you can be moved
                         safely and/or travel safely to your home area or a suitable hospital
                         nearby to continue treatment.
                      3 The intention of this section is to pay for emergency medical/surgical/
                         dental treatment only and not for treatment or surgery that can be
                         reasonably delayed until your return to your home area. Our decisions
                         regarding the treatment or surgery that we will pay for (including
                         repatriation to your home area) will be based on this. If you do not
                         accept our decisions and do not want to be repatriated, then we will
                         cancel all cover under your policy and refuse to deal with claims for any
                         further treatment and/or your repatriation to your home area.

me
                      What is not covered
                      1 The first £100 of each and every claim, per incident claimed for, under
                        this section by each insured person.
 h
                      2 Normal pregnancy, without any accompanying bodily injury, illness,
                        disease or complication. This section is designed to provide cover for
                        unforeseen events, accidents, illnesses and diseases and normal
m                       childbirth would not constitute an unforeseen event.
 r
                      3 The cost of your unused original tickets where AXA Assistance or
                        we have arranged and paid for you to return to your home, if you
                        cannot use the return ticket. If however you have not purchased a
                        return ticket, we reserve the right to deduct the cost of an economy
 by                     flight from any additional costs we have incurred which are medically
                        necessary to repatriate you to your home.

                                                                                                 23

      33418_ACPD0203PB_POL.indd 23                                                                     25/01/12 7:47 PM
Section B – Emergency medical and other expenses continued
                                                                                                                   S

                4  Any claims arising directly or indirectly for:                                                  Wh
                   a The cost of treatment or surgery, including exploratory tests, which                          We
                       are not related to the bodily injury or illness which necessitated                          ho
                       your admittance into hospital.                                                              yo
                   b Any expenses which are not usual, reasonable or customary to                                  ou
                       treat your bodily injury, illness or disease.                                               inj
                   c Any form of treatment or surgery which in the opinion of AXA                                  We
                       Assistance or us (based on information provided by the medical                              Se
                       practitioner in attendance), can be delayed reasonably until your                           to
                       return to your home area.                                                                   inc
                   d Expenses incurred in obtaining or replacing medication, which you                             Sp
                       know you will need at the time of departure or which will have to be                        1
                       continued outside of your home area. Where possible and with the
                       agreement of your medical practitioner, you should always travel
                       with plenty of extra medication in case of travel delays.
                   e Additional costs arising from single or private room accommodation.
                   f Treatment or services provided by a health spa, convalescent                                  Wh
                       or nursing home or any rehabilitation centre unless agreed by                               1
                       AXA Assistance.
                   g Any costs incurred by you to visit another person in hospital.
                   h Any expenses incurred after you have returned to your home area.
                   i Any expenses incurred in England, Scotland, Wales, Northern
                       Ireland, the Isle of Man or the Channel Islands which are:
                       i for private treatment, or
                       ii are funded by, or are recoverable from the Health Authority in
                           your home area, or
                       iii are funded by a reciprocal health agreement (RHA) between
                           these countries and/or Islands.
                   j Expenses incurred as a result of a tropical disease where you have
                       not had the NHS recommended inoculations and/or taken the NHS
                       recommended medication.
                   k Any expenses incurred after the date on which we exercise
                       our rights under this section to move you from one hospital to
                       another and/or arrange for your repatriation but you decide not
                       to be moved or repatriated.
                5 Anything mentioned in What is not covered applicable to all sections of
                   the policy.
                You should also refer to the Important conditions relating to health.
                Claims evidence
                We will require (at your own expense) the following evidence where relevant:
                1 Receipts or bills for all in-patient/out-patient treatment or emergency
                    dental treatment received.                                                                     2
                2 In the event of death, the original death certificate and receipts or bills
                    for funeral, cremation or repatriation expenses.                                               Cla
                3 Receipts or bills for taxi fares to or from hospital claimed for, stating                        We
                    details of the date, name and location of the hospital concerned.
                                                                                                                   1
                4 Receipts or bills or proof of purchase for any other transport,
                    accommodation or other costs, charges or expenses claimed for,
                    including calls to AXA Assistance.
                5 Any other relevant information relating to your claim under this section                         2
                    that we may ask you for.

                24

33418_ACPD0203PB_POL.indd 24                                                                    25/01/12 7:47 PM
Section C – Hospital benefit

                      What is covered
ch                    We will pay you £20 for every complete 24 hours you have to stay in
                      hospital as an in-patient or are confined to your accommodation due to
                      your compulsory quarantine or on the orders of a medical practitioner
                      outside your home area, up to a maximum of £200 as a result of bodily
                      injury, illness or disease you sustain.
                      We will pay the amount above in addition to any amount payable under
                      Section B – Emergency medical and other expenses. This payment is meant
r                     to help you pay for additional expenses such as taxi fares and phone calls
                      incurred by your visitors during your stay in hospital.
 u                    Special conditions relating to claims
be                    1 You must tell AXA Assistance as soon as possible of any bodily injury,
 e                       illness or disease which necessitates your admittance to hospital
                         as an in-patient, compulsory quarantine or confinement to your
                         accommodation on the orders of a medical practitioner.
n.
                      What is not covered
                      1 Any claims arising directly or indirectly from:
                        a Any additional period of hospitalisation, compulsory quarantine or
                             confinement to your accommodation:
a.                           i relating to treatment or surgery, including exploratory tests,
                                 which are not directly related to the bodily injury, illness or
                                 disease which necessitated your admittance into hospital.
                             ii relating to treatment or services provided by a convalescent or
                                 nursing home or any rehabilitation centre.
                             iii following your decision not to be repatriated after the date,
                                 when in the opinion of AXA Assistance it is safe to do so.
                        b Hospitalisation, compulsory quarantine or confinement to
ve                           your accommodation:
HS                           i relating to any form of treatment or surgery which in the opinion
                                 of AXA Assistance or us (based on information provided by
                                 the medical practitioner in attendance), can be delayed
                                 reasonably until your return to your home area.
ot                           ii as a result of a tropical disease where you have not had
                                 the NHS recommended inoculations and/or taken NHS the
of                               recommended medication.
                             iii occurring in England, Scotland, Wales, Northern Ireland, the
                                 Isle of Man or the Channel Islands and relating to either private
                                 treatment or tests, surgery or other treatment the, costs of
                                 which are funded by a reciprocal health agreement (RHA)
nt:                              between these countries and/or Islands, or are recoverable
                                 from the Health Authority in your home area.
                      2 Anything mentioned in What is not covered applicable to all sections of
ls                      the policy.
                      Claims evidence
                      We will require (at your own expense) the following evidence where relevant:
                      1 Confirmation in writing from the hospital, relevant authority or the
                          treating medical practitioner of the dates when you were admitted
                          and subsequently discharged from hospital, compulsory quarantine
                          or confinement to your accommodation.
on                    2 Any other relevant information relating to your claim under this section
                          that we may ask you for.

                                                                                               25

      33418_ACPD0203PB_POL.indd 25                                                                   25/01/12 7:47 PM
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