Policy Handbook Travel Smart - Travel Insurance - AXA Gulf

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Travel Insurance

   Policy
  Handbook
Travel Smart
Table of contents
1.  Welcome to AXA Insurance                           1
2.  Your Policy Cover Summary                          2
3.  Important Information                              3
4.  Definitions		                                      5
5.  Important conditions relating to health            8
6.  What to do in an event of a claim                  9
7.  Covers		                                          11
    Chapter A Emergency Medical Expenses              11
    Chapter B Emergency Dental Care                   11
    Chapter C Emergency Medical Transportation        11
    Chapter D Repatriation of Other Insured Persons   12
    Chapter E Repatriation of Mortal Remains          12
    Chapter F Premature Return Following Death        12
                  of Close Relative
    Chapter G Visit of Close Relative                  12
    Chapter H First Aid and/or Rescue                  12
    Chapter I Personal Liability                       13
    Chapter J Legal Assistance in Case of Redress      14
    Chapter K Advance of Bail Bond                     14
    Chapter L Cancellation or Curtailment              15
    Chapter M Delayed Departure                        16
    Chapter N Delayed Baggage                          16
    Chapter O Personal Baggage and Personal Money      17
    Chapter P Loss of Passport                         18
    Chapter Q Personal Accident Benefits               19
    Chapter R Terrorism Extension (Optional)           19
8. General Extensions                                 21
9. General Conditions                                 24
10. Complaints Process                                27
Policy Handbook
Travel Smart

    1 Welcome to AXA Insurance                                                                     2 Your Policy Cover Summary
    This is your Travel            Plan Chosen                     resident status in any of the                                                                                    Smart
    Insurance Policy. It tells                                     countries within the GCC.                                                                                                           Family     Schengen
                                   Your Schedule specifies the                                                                                                                  Worldwide or
    you what is covered and        plan you have chosen. The                                        Chapter                       Table of Benefits                              Worldwide               ($)        (€)
    what is not, as well as the    Plan names are as follows:
                                                                   Travel to a Dangerous                                                                                       excluding USA &
    conditions which apply                                         Area                                                                                                        Canada ($) USD
                                                                                                                                                                                                        USD         Euro
    and the basis on which all     �   Travel Smart                In your interest and for your
    claims will be settled. This                                   safety, we advise caution              A         Emergency Medical Expenses                                      1,000,000*        60,000**    40,000**
    Policy and the Schedule are    �   Travel Family
                                                                   if you are travelling to any           B         Emergency Dental Care                                              1,000*          1,000**      750*
    the evidence of the contract                                   dangerous area where
                                   �   Travel Schengen
    of insurance. Please read                                      there is known to be war                                                                                       included in
                                                                                                          C         Emergency Medical Transportation                                                   60,000      30,000
    them carefully, keep them      Under the Smart Plan if you     or civil commotion or                                                                                        Chapter A Limit
    in a safe place, and take      have elected to remove the      unrest. Unless specifically                      Repatriation of Other Insured
    them with you when you go      Medical Chapters, Chapters      mentioned in the Schedule,             D                                                                            10,000          5,000
                                                                                                                    Persons
    on holiday.                    A to H from this Policy         your cover does not
                                   will not apply. In case you     apply to Iraq, Afghanistan,            E         Repatriation of Mortal Remains                                     10,000                      5,000
    Insuring Agreement             have elected to remove          Somalia and in countries                         Premature Return Following Death
    In consideration of            the Travel Inconvenience        where war has been                     F                                                                     Economy Ticket
                                                                                                                    of Close Relative
    payment of premium, we         Chapters, Chapters I to Q       declared or after it has
    agree to provide insurance     from this Policy will not       been recognised as a war               G         Visit of Close Relative                                     Economy Ticket
    in accordance with the         apply.                          zone by the United Nations.            H         Cost of First Aid and/or Rescue ***                                20,000
    operative Chapters of the
    Policy.                        Money Back Guarantee                                                   I         Personal Liability                                               1,000,000        100,000
                                   Please examine the
    The Schedule and any                                                                                  J         Legal Assistance in Case of Redress                                 4,000
                                   Policy and Schedule and
    Endorsements are all part
                                   return them to us prior                                                K         Advance of Bail Bond (refundable)                                  10,000
    of the Policy.
                                   to the scheduled date of
    The information you have       departure but not later                                                L         Cancellation or Curtailment                                         5,000
    supplied form part of the      than seven days from the                                              M          Delayed Departure after 6 hours                                  Up to 500        Up to 500
    contract of insurance with     date of the Policy issuance
    us. Your Policy is evidence    if they do not meet your                                               N         Delayed Baggage                                                      250
    of that contract.              requirements. Please
                                                                                                                    Personal Baggage and Personal
                                   refer to the Cancellation                                              O                                                                            5,000*          2,000*
                                                                                                                    Money
    Interpretation                 Clause under the General
    For the legal interpretation   Conditions.                                                            P         Loss of Passport                                                    500*            350*
    of the Policy wording Arabic                                                                          Q         Personal Accident                                                  27,500          27,500
    text will prevail over the     Availability of Cover
    English text in the event      This Policy is available only                                          R         Terrorism Extension (optional)                                    100,000
    that any dispute arises.       if you are a citizen or have
                                                                                                   Coverage in US dollars except for Schengen in Euro.
                                                                                                   Benefits are for each Insured Person for Smart and Schengen and per family for the Family Plan.
                                                                                                   * Excess of USD $30 applicable for each and every claim.
                                                                                                   **Excess of USD $ 100 applicable for each and every claim.
                                                                                                   Children pay 50% of the premium and enjoy cover up to 50% of the stated limit in all chapters.
                                                                                                   *** This cover is applicable only if Adventure Sports option is selected, the additional premium
                                                                                                   is paid and the Adventure Sports cover is shown on the Policy Schedule.

                                                 1                                                                                                                       2
Policy Handbook
Travel Smart

    3 Important Information
    We would like to draw your       Hazardous Activities/              carefully. We wish to remind   your property as if you were
    attention to important           Sports                             you that cover varies from     not insured.
    features of your Policy          If you are planning to take        policy to policy and from
    including:                       part in any hazardous              insurer to insurer.            Contact for Queries
                                     activities or sports, please                                      If you would like more
    Conditions and                   check that your Policy
                                                                        Policy Limits                  information or require
    Exclusions                       covers you.                        Most Chapters of your Policy   clarification on any of the
    Special Conditions apply                                            have limits on the amount      covers provided, please do
    to individual Chapters of        Health                             we will pay under that         not hesitate to contact us.
    your Policy, whilst General      This Policy contains               Chapter. Some Chapters also
    Exclusions and General           restrictions and conditions        have specific inner limits:
    Conditions will apply to         regarding pre-existing             for example, for Valuables.
    the whole of your Policy.        medical problems                   Please check your Policy
    Refer also to ‘What is not       concerning the health of           to ensure that the cover is
    covered’ which applies to        the people travelling and of       adequate for your needs.
    each Chapter of the Policy.      other people not travelling
    Additionally, specific claims    upon whose health the
                                                                        Baggage Claims
    procedures, which apply          booking or continuation of         These claims are settled
    to certain Chapters of the       the Trip may depend. You are       based on the value of the
    Policy, must be followed         advised to read carefully the      baggage at the time of
    in order for a claim to be       Conditions relating to Health.     the loss and not the cost
    accepted.                                                           of buying new items. Your
                                     Law and Jurisdiction               Policy details the claims
    Age Eligibility                                                     procedure that must be
                                     Your Policy will be governed
    This Policy is available to      by the Law and Jurisdiction        followed for a claim to be
    persons aged 70 or below.        of Competent Courts of the         accepted, in particular the
    If Annual Multi-Trip Cover       emirate in the United Arab         requirement to obtain Police
    is selected, and you reach       Emirates where this Policy is      reports within 24 hours.
    the age 71 during the Period     issued.
    of Insurance, cover will                                            Claims
    continue until expiry or         Material Fact                      Claims must be reported to
    cancellation of the Policy.                                         AXA offices along with proof
    Children below the age of 16     All material facts must be
                                     disclosed to us. Failure to        of travel, copy of ticket or
    are covered for 50% of the                                          boarding pass need to be
    Insured Person.                  do so may affect your rights
                                     under this Policy. A material      provided within 30 days of
                                     fact is a fact that is likely to   any Accident or Illness, or
    Excess                                                              if there is no Accident or
                                     influence the acceptance
    Under some Chapters of the       or assessment of the risk,         Illness within 30 days from
    Policy, claims will be subject   including ascertaining the         the end of the Trip.
    to an Excess. This means         premium by us.
    that you will be responsible                                        Reasonable Care
    for paying the first part of     Policy Document                    You must take all reasonable
    each claim.                                                         care to protect yourself and
                                     Please read this document

                                                    3                                                                                 4
Policy Handbook
Travel Smart

    4 Definitions
    Any word or expression to       Curtailment/Curtail              Loss of Limb                        shown on the Policy         beyond reasonable hope of          during the 90 days
    which a specific meaning        Means abandoning the Trip        Means loss by permanent             Schedule.                   improvement having lasted          immediately preceding
    has been attached will                                           severance of an entire hand                                     for a continuous period            the date of application
                                    by immediate return to your                                          This Policy will terminate of one year and prevents
    bear the same meaning                                            or foot or the total and                                                                           for this insurance.
                                    Home or by attending a                                               upon cancellation or the you from attending to any
    throughout this Policy.                                          permanent loss of use of an
                                    hospital abroad for a period                                         expiration date shown                                       Public Transport
                                                                     entire hand or foot.                                            occupation or alternative
    Adventure Sports                in excess of 48 hours as an                                          on the Policy Schedule,     remunerative work of any
                                    in-patient.                                                                                                                      Means any publicly licensed
                                                                                                         or if earlier, the date the kind.
    Means Winter Sports and                                          Loss of Sight                       Insured Person return
                                                                                                                                                                     aircraft, sea vessel, train
    Water Sports, trekking and                                                                                                                                       or coach on which you are
                                    Family                           Means total and                     from his insured Trip.      Personal Money
    safari.                                                          irrecoverable Loss of Sight in                                                                  booked to travel.
                                    Family means you, your                                                                           Means bank notes, currency
                                                                     one or both eyes.                   The single Trip Policy
    Baggage                         spouse and your unlimited                                            cover is limited for one    notes and coins in current      Safari
                                    number of children. Family                                                                       use, travellers’ and other
    Means luggage, clothing,                                         Medical Condition                   trip of one departure                                       A sight-seeing visit to
    personal effects, Valuables     Plan cover is worldwide and                                          journey outbound from       cheques, postal or money        a commercial tourist
                                    limit is per Family.             Means any disease, illness
    and other articles which                                                                             the Country of Residence    orders, prepaid coupons         attraction to observe
                                                                     or injury.
    belong to you (or for which                                                                          and the first return        or vouchers, travel tickets,    animals in their natural
    you are legally responsible)    GCC                                                                  journey inbound to the      pre-booked event and            habitat as part of the
                                                                     Medical Practitioner
    and are worn, used or carried  Means Gulf Cooperation                                                Country of Residence.       entertainment tickets,          covered Trip.
    by you during any Trip.                                          Means a registered                                              phone cards and electronic
                                   Council Countries which                                               The insurance cover is
                                                                     practicing member of the                                        money cards all held for        Hunting, professional
                                   are Kingdom of Bahrain,                                               not applicable after the
    Bodily Injury                                                    medical profession who                                          private purposes.               activities and sports are not
                                   State of Kuwait, The                                                  insured has returned
                                                                     is not related or known                                                                         covered.
    Means an identifiable physical Sultanate of Oman, State                                              to the same Country
                                                                     personally to you or any                                        Pre-existing Medical
    injury sustained by you during of Qatar, Kingdom of Saudi                                            of Residence after the
    the Period of Insurance by
                                                                     person with whom you are
                                                                                                         Policy inception.           Condition                       Schedule
                                   Arabia and the United Arab        travelling.
    a sudden, unexpected and       Emirates.                                                                                         Means                           Means the validation page
    specific event. Injury as a                                                                          For Annual Multi-trip                                       attached to this Travel Policy
                                                                     Period of Insurance                 Plan, cover will be         �   An ongoing or recurring     setting out the names of
    result of your unavoidable     Home/Country of
    exposure to the elements                                         1. This Policy’s coverage           terminated on the               Medical Condition           those persons insured (You/
                                   Residence                            will commence on                 Insured Person’s return         (or any medical
    shall also be deemed to mean                                                                                                                                     Your/Insured Person), the
    Bodily Injury.                 Means your normal place              the start date of cover          to the Point of Departure       complication directly       Area of Travel, the Policy
                                   of residence in the GCC              appearing on the Policy          and recommence on               attributable to that        type, the Period of Insurance
    Children                       of which you are a citizen           Schedule. This Policy            next insured Trip.              Medical Condition)          and any other Special
                                   or hold a valid resident             will provide cover                                               investigated by a           Conditions and terms.
    This refers to the Insured                                                                           The maximum period of
                                   status as of the date of your        for insured Trips that                                           Medical Practitioner
    Person’s Dependent                                                                                   any Trip is restricted to
                                   outward journey.                     are: Booked after;                                               (whether diagnosed or       Spouse
    Children who are not in full                                                                         62 consecutive days.            not) and/or;
    time employment and who                                          2. Commenced after;                                                                             Whenever used in the Policy
    are between the ages of         Illness                                                              The Policy cannot be                                        means, the Insured Persons’
                                                                        The start date of cover                                      �   A Medical Condition
    three months and 16 years.      Means any sudden and                appearing on the Policy          cancelled following the         (other than a minor         legally married husband or
                                    unforeseen change in health         Schedule until the               start date of cover.            non recurring ailment)      wife between the ages of 18
    Close Relative                  that is certified by a Medical      earlier of (A) the date the                                      for which there has         and 69 years.
    Means mother, father, sister,   Practitioner and prevents           Insured Person returns        Permanent Total                    been a prescribed
    brother, wife, husband,         normal continuation of your         from his insured Trip or      Disablement                        medication or treatment     Trekking
    daughter and son.               journey.                            (B) the expiration date       Means disablement which is         by a Medical Practitioner   Go on a long distance

                                                  5                                                                                                6
Policy Handbook
Travel Smart

                                                                                                      5 Important conditions relating to health
    unaided walk, as part of the      Unattended                       We/Us/Our/AXA(Gulf)/           It is a condition of this Policy   You must be able to comply
    covered Trip, only on foot        Means when you are not in        AXA                            that no Trip will be covered       with these conditions to
    as an adventure activity          full view of or in a position    Means AXA Insurance (Gulf)     if at the time of taking out       have the full protection
    without using equipment           to prevent unauthorised          B.S.C.(c)/AXA (Gulf)/AXA.      this Policy:                       of this Policy. Otherwise,
    designed for long distance        interference with your                                                                             unless you have been
    journeys and not related to                                                                       1. You or anyone upon              given our prior written
                                      property.                        Winter Sports                     whom the Trip plans
    any professional activity or                                                                                                         agreement, you will not be
                                                                       Means cross country skiing,       depend has received a           covered under the following
    sport.                            Valuables                        ice skating (no speed             terminal prognosis.             Chapters:
    The following are not             Means antiques, jewellery,       skating), mono skiing,
                                      gold, silver, precious metal     ski boarding, sledging,        2. You or anyone upon
    covered:                                                                                                                             Chapter A: Emergency
                                      or precious or semiprecious      snowboarding or surfing,          whom the Trip plans
                                                                                                         depend are on a                              Medical
    1. Expeditions exceeding          stone articles, watches,         snow shoeing, snow
                                                                                                         waiting list for, or have                    Expenses
       seven days                     furs, cameras, camcorders,       skiing, snowmobiling as a
                                      photographic audio video                                           knowledge of the need           Chapter B:   Emergency
                                                                       passenger only.
    2. Hiking                         computer television and                                            for, in-patient treatment                    Dental Care
                                      telecommunications               You/Your/Insured                  at a hospital, clinic or        Chapter C:   Emergency
    3. Rock Climbing
                                      equipment (including CDs,        Person                            nursing home.                                Medical
    4. Mountain Climbing              DVDs, tapes, films, cassettes,                                                                                  Transportation
                                                                       Means each person              3. You are travelling
                                      cartridges and headphones),      travelling on a Trip, where       against the advice of a         Chapter D:   Repatriation of
    Trip                              mobile telephones,               at least one person is above      Medical Practitioner.
                                                                                                                                                      Other Insured
    Means any holiday, pleasure       computer games and               the age of 18 years old,                                                       Persons
    trip, cruise trip or journey      associated equipment,            whose name appears in the      4. You are travelling              Chapter E:   Repatriation of
    made by you within the            telescopes and binoculars.       Policy Schedule.                  with the intention of                        Mortal Remains
    area of travel shown in the                                                                          obtaining medical               Chapter F:   Premature
    Schedule which begins             Water Sports                                                       advice outside of the                        Return
    and ends in the Country of        Means fishing, sail boarding,                                      Country of Residence.                        Following Death
    Residence during the Period       sailing (inland or coastal                                                                                      of Close Relative
                                                                                                      5. You or anyone upon
    of Insurance but excluding        waters only), surfing, water                                                                       Chapter G:   Visit of Close
                                                                                                         whom the Trip plans
    one-way trips or journeys.        skiing, wind surfing. Notes:                                                                                    Relative
                                                                                                         depend is expected to
    Any Trip solely within the        a) Swimming and/                                                   give birth before, during       Chapter H:   First Aid and/or
    Country of Residence is not          or snorkelling for                                              or within two months of                      Rescue
    insured.                             recreational purposes                                           the Trip.                       Chapter L:   Cancellation or
                                         is considered as a                                                                                           Curtailment
    If ‘Annual Multi-trip Cover’ is                                                                   6. You are aware of any
                                         normal activity covered                                                                         Chapter Q:   Personal
    selected, any such Trip over                                                                         circumstances that
                                         by the Policy without                                                                                        Accident
    62 days is not insured.                                                                              could reasonably be
                                         additional premium and
                                                                                                         expected to give rise to a
                                         hence does not come
    Each Trip is deemed to be                                                                            claim on this Policy.
                                         under the definition of
    a separate Insurance, each           Water Sports.
    being subject to the Terms,
    Definitions, Exclusions and       b) Coastal waters are
    Conditions contained in the          defined as within a five
    Policy.                              miles limit of a coastline.

                                                     7                                                                                                 8
Policy Handbook
Travel Smart

    6 What to do in an event of a claim
    PROCEDURE A                           behalf should contact        �   The name of the              In any case, we, upon            PROCEDURE B                      what to do in case of a claim
    Situations that require               Us in order to receive           Insurance company            agreement with the treating      Travel inconvenience claims      or mail us at:
    immediate assistance                  our prior approval               (AXA Insurance (Gulf)        physician, will choose the       must be submitted not later
                                          and indication on the                                         means of transportation to
                                                                                                                                                                          travel.claims@
                                                                           B.S.C.(C)) as well as                                         than 30 days from the end of
                                          procedure to follow.                                          be used.
                                                                                                                                                                          axa-gulf.com
    �    What kind of situations?                                          the insurance Policy                                          the Trip.
         If you are in need of:                                            Number and Period of
                                       Contact AXA (Gulf)                  Insurance;                   In any case of Illness or        What kind of situations?
    �    Emergency Medical                                                                              Bodily Injury requiring
                                       24 hours a day, 7 days a week
         Treatment - Chapter A                                         �   The date of entry in the     hospitalisation, the Insured     �   Cancellation or
                                       +971 4 429 4003                     visited country;             Person or any person acting          Curtailment of your Trip -
    �    Emergency Dental Care -                                                                        on His/Her behalf must               Chapter L
         Chapter B                     The benefits can be granted     �   The name, address and        inform us within 48 hours
                                       only upon prior approval by         telephone number of the      from the time of occurrence.     �   Delayed Departure -
    �    Medical Transportation -                                          Medical Centre to which                                           Chapter M
                                       AXA Gulf.
         Chapter C                                                         the Insured Person has       When we take care of the
                                                                                                                                         �   Delayed Baggage -
    �    Repatriation of Other         For Medical                         been admitted;               repatriation of the Insured
                                                                                                                                             Chapter N
         Insured Persons -             Non-Emergencies                                                  Person, the Insured Person
                                                                       �   The name and                 shall return the ticket or the
         Chapter D                     (Reimbursement Claims)              address of the Medical                                        �   Personal Baggage
                                                                                                        refund thereon to us.                and Personal Money -
    �    Repatriation of Mortal                                            Practitioner in charge of
                                       UAE: 800 292                        the Insured Person;          As soon as a claim occurs,           Chapter O
         Remains - Chapter E
                                       Bahrain: 8000 1060                                               the Insured Person must          �   Loss of Passport -
    �    Premature return                                              �   A brief description of the   make every endeavour
                                       Qatar: 800 2924                     problems encountered.                                             Chapter P
         following Death of Close                                                                       to limit or stop its
         Relative - Chapter F          Oman: 800 70292                 A medical expert appointed       consequences.                    �   Personal Accident
                                                                       by us will have free access                                           Benefits - Chapter Q
    �    Visit of a Close Relative -   Saudi: +966 11 478 0282                                          If during an emergency, or
         Chapter G                                                     to the Insured Person and        due to any valid reason, AXA     �   Terrorism related claims
                                       Or email us at:                 His/Her medical file to          (Gulf) cannot be contacted           (if this extension was
    �    First Aid and/or Rescue -                                     assess the validity of the       for prior approval, the claim        purchased) - Chapter R
         Chapter H
                                       medex.travel@                   claim.
                                       axa-gulf.com                                                     may still be considered
    �    Personal Liability -                                        In the event of a medical          subject otherwise to             Contact our AXA
                                       (For medical claims
         Chapter I                                                   transfer or repatriation, the      the Policy terms and             branches:
                                       reimbursement)
                                                                                                        conditions. In all such
                                                                     means of transportation
                                                                                                        cases, the expenses must be
                                                                                                                                         UAE: 800 292
    �    Legal Assistance in Case      Or                            will be ambulance, train
         of Redress - Chapter J                                      or scheduled flight. Air           reasonable and customary         Bahrain: 8000 1060
                                       travel.claims@                ambulance transportation           and all documents (medical
                                                                                                                                         Qatar: 800 2924
    �    Advance of Bail Bond -        axa-gulf.com                                                     report, bills, etc). must be
         Chapter K                                                   is limited to intra-
                                       (For non-medical claims)      continental transportations        forwarded to AXA (Gulf)          Oman: 800 70292
                                                                     and to critical cases which        for their approval and
         Immediately after the                                                                                                           Saudi: +966 11 478 0282
                                       During regular working hours. cannot be accommodated             acceptance. No claim will
         occurrence of any event
                                                                     by any of the above                be considered if AXA (Gulf)      During regular working hours.
         the consequence of            You should state:
                                                                     mentioned means of                 have not been contacted
         which could result in a                                                                                                         Please refer to the related
                                                                     transportation.                    within 30 days of the
         claim, you or any other       � Your family name and                                                                            sections for more details on
                                                                                                        Accident or Illness.
         person acting on your             first name;

                                                     9                                                                                                10
Policy Handbook
Travel Smart

    7 Covers
    CHAPTER A -                    We will also pay for any        your selected plan.            CHAPTER D -                   the body to the place of          enable a Close Relative to
    EMERGENCY MEDICAL              reasonable and customary                                       REPATRIATION OF               burial in the Country of          travel to His/Her bedside.
    EXPENSES                       additional costs incurred       Excess                         OTHER INSURED                 Residence or the country of       This cover shall likewise
                                   for changing Your flight        The applicable Excess in       PERSONS                       citizenship. We shall pay for     apply in the event of Death
     What is covered               if, following Your positive                                                                  the cost of postmortem, of        of an Insured Person in the
                                                                   respect of this cover is
    We shall pay medical,          diagnosis for an infectious                                    What is covered               preparation of the body and       country in which He/She
                                                                   USD 30 per claim for each
    pharmaceutical and hospital    disease, You are unable         Insured Person for Travel      In the event of your          of the coffin essential for the   was present (other than the
    expenses incurred by you       to take your existing flight    Smart Plan and USD 100         repatriation pursuant         transport thereof, but not        Country of Residence).
    on medical prescription in     home.                           for Travel Family & Travel     to above mentioned            including the expenses of
    urgent cases arising as a                                      Schengen plans per claim       dispositions, the             burial and inhumation.            CHAPTER H - FIRST AID
    result of a Medical Condition How much we will pay             for each Insured Person.       cost incurred for the                                           AND/OR RESCUE
    which has occurred             Please refer to the Table of                                   simultaneous repatriation     CHAPTER F -
    during the Trip, as well as                                                                   of other Insured Persons      PREMATURE RETURN                  What is covered
                                   Benefits on page 2 as per       CHAPTER C -
    ambulance expenses from                                        EMERGENCY MEDICAL              travelling with you shall     DUE TO DEATH OF                   We shall reimburse the costs
                                   your selected plan.
    the place of the Accident or                                   TRANSPORTATION                 be covered by scheduled       CLOSE RELATIVE                    of first aid and rescue at sea
    Illness to the nearest medical Excess                                                         air transport in economy                                        and/or in the covered areas
    centre but not for any Dental                                  What is covered                class to their Country of
                                                                                                                                What is covered                   executed by official bodies
                                   The applicable Excess in                                                                     We shall pay the additional       to save the life or physical
    Related Conditions.                                            We undertake to arrange        Residence in so far as
                                   respect of this cover is                                                                     cost incurred by you for your     integrity of the Insured
                                                                   and bear the cost of your      they are unable to return
    We shall also pay for          USD 30 per claim for each                                                                    repatriation by economy           Person.
                                                                   transport depending on         to that address by the
    follow-up out-patient          Insured Person for Travel                                                                    class air transport in the
                                                                   your condition:                initially chosen means of
    treatment necessarily          Smart Plan and USD 100                                                                       event of the sudden and       How much we will pay
                                                                                                  transportation for their
    incurred following an          for Travel Family & Travel      a) to a hospital, which is                                   unforeseen Death of a Close Please refer to the Table of
                                                                                                  normal return. The cost of
    in-patient treatment but       Schengen plans per claim           better equipped to treat                                  Relative, in so far as you
                                                                                                  repatriation shall be borne                                 Benefits on page 2 as per
    this is limited to a maximum for each Insured Person.             your case;                  by us after deducting the     are unable to return to your your selected product.
    period of 30 days after                                                                       costs normally incurred for   Country of Residence in
    discharge from the hospital. CHAPTER B -                       b) to a hospital which is
                                                                                                  the return to their Country   time for the funeral by the   Special Conditions
                                   EMERGENCY DENTAL                   closer to your Country of
                                                                                                                                means of transportation
                                                                                                  of Residence. Where the                                     This cover is applicable only
    In case of illness due         CARE                               Residence;
                                                                                                                                initially arranged for the
    to infectious disease                                                                         return journey was to have                                  if Adventure Sports option
    (epidemic/pandemic) in         What is covered                 c) to your Country of          been made by air or ship,     normal return.
                                                                                                                                                              is selected, the additional
                                   We shall pay for                   Residence.                  the Insured Person shall
    any country apart from
                                                                                                  return the ticket or the
                                                                                                                                CHAPTER G - VISIT OF A premium is paid and the
    the country the Trip           medical treatment and                                                                        CLOSE RELATIVE                Adventure Sports cover
                                                                   If decisions a. and b.         refund thereon to us.
    originated, we shall pay       pharmaceutical expenses                                                                                                    is shown on the Policy
                                                                   are taken, we shall be
    for the Emergency Medical      incurred by you on medical                                                                   What is covered               Schedule.
                                                                   responsible, prior to          CHAPTER E -
    Expenses.                      prescription for the
                                                                   executing the transport, for   REPATRIATION OF              Where the condition of the
                                   emergency relief of pain                                                                                                       What is not covered
    Following a positive                                           reserving a room for you in    MORTAL REMAINS               Insured Person who has
                                   regardless of cause; provided                                                                                                  under Chapters A, B, C,
    diagnosis, we shall also                                       the hospital to which you                                   suffered Injury or Illness
                                   however that the pain is not                                   What is covered                                                 D, E, F, G and H
    pay for any mandated                                           are to be transferred.                                      does not justify or precludes
                                   a pre-existing condition.                                                                                                      a) Expenses incurred
    quarantine expenses up                                                                        We shall take responsibility immediate repatriation,
                                                                                                                                                                     for any treatment or
    to USD 100 per day for a                                       How much we will pay           for all the formalities      and where His/Her stay in a
                                   How much we will pay                                                                                                              repatriation which have
    maximum of 15 days in                                          Please refer to the Table of   required locally and for the local hospital must exceed
                                   Please refer to the Table of                                                                                                      not been notified to and
    any country apart from the                                     Benefits on page 2 as per      immediate payment of costs, seven days, we shall make
                                   Benefits on page 2 as per                                                                                                         authoriSed by AXA (Gulf)
    country the Trip originated.                                   your selected plan.            including the transport of   available a return ticket to

                                                 11                                                                                           12
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Travel Smart

         as detailed in Procedure         unless they result in          authority or medical        How much we will pay                have the protection of     CHAPTER J - LEGAL
         A on pages 9 to 11.              admission to a hospital.       advice.                     Please refer to the Table of        this cover provided that   ASSISTANCE IN CASE OF
                                                                                                     Benefits on page 2 as per           such representative(s)     REDRESS
     b) Costs of telephone           h) Any expenses incurred        CHAPTER I - PERSONAL                                                comply(ies) with the
        calls, other than calls         after you have returned                                      your selected product.                                         What is covered
                                                                     LIABILITY                                                           terms and conditions
        to AXA (Gulf) notifying         to your Country of                                                                               outlined in this Policy.   We undertake to execute
        them of the problem             Residence.                   What is covered                 Special Conditions
                                                                                                                                                                    at our own expense all
        for which you are able                                       We will indemnify you           a) You must give us              What is not covered           amicable intervention
        to provide a receipt or      i) Expenses incurred as         up to the limit specified          immediate written             Compensation or legal         or judicial actions with a
        other evidence to show          a result of a tropical       below against all sums you         notice with full details of   costs arising directly or     view to obtain pecuniary
        that the call took place,       disease where the            become legally liable to pay       any incident, which may       indirectly from:              repair of physical damage
        its cost and the number         recommended                  as compensation during             give rise to a claim.                                       suffered by you as a result
        telephoned.                     inoculations have not        the Period of Insurance for                                      a) Liability which has
                                                                                                     b) You must forward every                                      of an Accident involving the
                                        been undertaken.             any claim or series of claims                                       been assumed by
                                                                                                        letter, writ, summons                                       liability of a person who is in
    c) The cost of treatment                                         arising from any one event                                          you under agreement
                                 j) Your decision not to                                                and process to us as                                        no way related to you and is
       or surgery, including                                         or source of original cause                                         unless the liability
                                    be repatriated after                                                soon as you receive it.                                     not an Insured Person under
       exploratory tests,                                            in respect of accidental:                                           would have attached
                                    the date when, in the                                                                                                           this Policy.
       which are not directly                                                                                                            in the absence of such
       related to the Bodily        opinion of AXA (Gulf), it                                        c) You must not admit any
                                                                   a) Bodily Injury, Death,                                              agreement.
       Injury or Illness which      is safe to do so.                                                   liability or pay, offer                                     How much we will pay
                                                                      Illness or disease to
       necessitated your                                                                                to pay, promise to pay        b) Pursuit of any trade,      Please refer to the Table of
                                 k) Costs of prosthetics,             any person other than
       admittance into hospital.                                                                        or negotiate any claim           business, profession       Benefits on page 2 as per
                                    cosmetics, plastic                an Insured Person or
                                                                                                        without our written              or occupation or the       your selected product.
                                    surgery and                       any person who is in
    d) Any form of treatment                                                                            consent.                         supply of goods or
                                    physiotherapy.                    your employment or
       or surgery which, in                                           who is a Close Relative                                            services.                  Special Condition
         the opinion of the                                                                          d) We will be entitled, if
                                     l)   Investigations, checkup,    or member of your                 we so desire, to take                                       In all cases, you shall
         Medical Practitioner in          medical examination                                                                         c) Ownership possession       refrain from yourself taking
                                                                      household.                        over and conduct
         attendance and us, can           being part of preventive                                                                       or use of vehicles,        legal proceedings without
         be delayed reasonably                                                                          in your name the                 aircraft or watercraft.
                                          medicine.                b) Loss of or damage to                                                                          consulting us beforehand,
         until your return to your                                                                      defence of any claim for
                                                                      property that does                                                                            failing which you shall lose
         Country of Residence.                                                                          indemnity or damages          d) The transmission of any
                                     m)   Pre-existing Medical        not belong to and is                                                                          this entitlement to cover.
                                                                                                        or otherwise against             communicable disease
                                          Condition, Any              neither in the charge of
    e) Medication, which, at                                                                            any third party. We shall        or virus.
                                          illness or condition        or under the control of                                                                       CHAPTER K - ADVANCE
       the time of departure,                                                                           have full discretion
                                          related to pregnancy,       any Insured Person, a                                           e) Ownership or               OF BAIL BOND
       is known to be required                                                                          in the conduct of
                                          convalescence or            Close Relative, anyone                                             occupation of land or
       or to be continued                                                                               any negotiation or                                          What is covered
                                          relapses.                   in your employment                                                 buildings (other than
       outside your Country of                                                                          proceedings or in the
                                                                      or any member of                                                   occupation only of any     This Chapter is applicable
       Residence.                    n)   Any mandated medical                                          settlement of any claim,
                                                                      your household other                                               temporary holiday          for the Travel Smart plan
                                          test or examination                                           and you shall give us all
     f) Treatment or                                                  than any temporary                                                 accommodation).            only. We will provide the
                                          required by Airlines ,                                        necessary information
        services provided                                             holiday accommodation                                                                         bail bond required by
                                          governmental entities                                         and assistance which          f) Fines, penalties and
        by a convalescent or                                          but in respect of                                                                             judicial authorities to
                                          or airport authorities.                                       we may require.                  punitive damages.
        nursing home or any                                           your occupation                                                                               guarantee provisional
        rehabilitation centre.       o)   If you have traveled        (not ownership) only           e) In the event of your                                        release from custody
                                                                                                                                      g) Pandemic, epidemic or
                                          against government          occurring during the              Death, your legal                                           on an Insured Person
    g) Emotional disorders                                                                                                               infectious disease.
                                                                      Period of Insurance.              representative(s) will                                      following a contravention

                                                   13                                                                                               14
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Travel Smart

    or infringement without           �   the Trip is completely       the necessity to               the Trip (including error,    Organisation declaring        Special Condition
    wilful intent of current              canceled or Curtailed        return Home prior to           omission, financial           a pandemic/epidemic           You may claim only under
    statutory and administrative          before completion            Curtailment of the Trip        failure or default) of or     or any cancellation           sub-chapter 1 or 2 above,
    provisions of the visited             as a result of any of        due to medical reasons.        by the provider of any        of the flight route           not both.
    country in an amount of up            the following events                                        service forming part          by the carrier or any
    to USD 10,000 per Insured             occurring during the      2. If you fail to notify          of the Trip as well as        government.
                                                                       the Travel Agent,                                                                          What is not covered
    Person, the necessary                 Period of Insurance:                                        of the Travel Agent or                                      a) Your failure to check
    amount to be made                                                  Tour Operator or               Tour Operator through      i) cancellation where You
                                      1. The Death, Bodily Injury      provider of transport                                        have not had a positive          in according to the
    available as an advance.                                                                          whom the Trip was                                              itinerary supplied to
                                         or Illness of:                /accommodation                 booked.                       diagnosis, but when
    �    You shall refund to us                                        immediately it is found                                      you have been asked to           you.
         the amount of the bail           a) You                       necessary to cancel the     c) Failure to obtain the         isolate for any reason        b) Your failure to comply
         bond that has been               b) any person with           Trip our liability shall       required passport or                                           with the terms of
         advanced:                           whom you are              be restricted to the           visa.                      CHAPTER M - DELAYED                 contract of the Travel
                                             travelling or have        cancellation charges                                       DEPARTURE                          Agent, Tour Operator or
    �    As soon as it is                                              that would have applied     d) Circumstances known
         returned in the event               arranged to travel                                       to you prior to the         What is covered                    provider of transport.
                                                                       had failure not occurred.
         of cancellation of the           c) any person with                                          booking of the Trip         If departure of the Public      c) Strike or industrial
         proceeding or acquittal;            whom you have          3. If you cancel the Trip         which could reasonably      Transport on which you             action or air traffic
         or                                  arranged to reside        due to Bodily Injury or        have been expected to       are booked to travel for           control delay existing
                                             temporarily               a Medical Condition            give rise to cancellation   any outbound or inbound            or publicly declared by
    �    Within 15 days of the                                         you must provide a             or Curtailment of           journey is delayed for
         court decision which                                                                                                                                        the date this Insurance
                                          d) any Close Relative        medical certificate            the Trip.                   at least 6 hours from              is effected by you.
         becomes enforceable if                                        from a Medical                                             the scheduled time of
         a sentence is passed.        2. Accidental damage to          Practitioner stating that   e) ‘Airport Departure          departure we will pay:          d) Withdrawal from
                                         your Home rendering           this necessarily and           Duty’ or irrecoverable                                         service (temporary
    �    In all cases, within three      it uninhabitable or the                                      payments exceeding          USD 100 for the first
         months from the date of                                       reasonably prevented                                                                          or otherwise) of an
                                         Police requesting your        you from travelling.           USD 250 for lost            completed 6 hour delay             aircraft or sea vessel on
         payment.                        presence following                                           excursions.                 from the original scheduled        the recommendation
                                         theft at your Home         What is not covered                                           departure and USD 100              of the ‘Civil Aviation
    CHAPTER L -                          during your Trip or the                                   f) Bodily Injury or Illness    for each full 6 hours
    CANCELLATION OR                                                 a) Any claim arising              unless a Medical                                               Authority’ or a ‘Port
                                         preceding seven days.         directly or indirectly                                     delay thereafter up to a           Authority’ or any
    CURTAILMENT                                                                                       Practitioner provides a     maximum of USD 500 per
                                                                       from your failure              certificate stating that                                       similar body in any
     What is covered                  3. Hijack of the Insured                                                                    Insured Person.
                                                                       to comply with the             this necessarily and                                           country.
                                         Person or of any person
    This Chapter is applicable                                         Important Conditions           reasonably prevented
                                         with whom the Insured                                                                    Up to USD 500 per               e) Any journey falling
    for the Travel Smart                                               relating to Health             you from travelling.
                                         Person intends to travel                                                                 Insured Person for any             outside the definition
    plan only. We will pay                                             mentioned on page 9.
                                         or is traveling                                                                          irrecoverable unused travel        of trip.
    you up to USD 5,000 per                                                                        g) Bodily Injury or            and accommodation costs
                                                                    b) Any claim arising              Illness resulting from
    Insured Person for any       Special Conditions                                                                               and other prepaid charges,
    irrecoverable, unused travel
                                                                       directly or indirectly         pregnancy.                                                  CHAPTER N - DELAYED
                                 1. You must obtain a                  from Government                                            which you have paid or are      BAGGAGE
    and accommodation costs                                                                                                       contracted to pay if, after a
                                    medical certificate from           Regulation or Act, delay    h) Cancellation due to
    and other prepaid charges,
                                    a Medical Practitioner             or amendment of the                                        minimum of 6 hours have         What is covered
    which you have paid or are                                                                        travel restrictions
                                    and prior approval of              itinerary, or failure in       as a direct result of       elapsed, you choose to          We will pay you for
    contracted to pay if:                                                                                                         cancel your Trip.               emergency replacement of
                                    AXA (Gulf) to confirm              provision of any part of       the World Health

                                                   15                                                                                          16
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Travel Smart

    clothing, medication and          We will also pay for the loss                 to ensure the safety and         What is not covered            e) Depreciation in value or          or climatic conditions
    toiletries if the Baggage is      of, theft of or damage to                     supervision of Baggage           a) Loss of or damage to           shortages due to error            by moth, vermin,
    temporarily lost in transit       Personal Money occurring                      and Money, and you should           personal baggage left          or omission.                      by any process of
    during the outward journey        during the Period of                          take all practicable steps          unattended unless:                                               cleaning, repairing or
    and not returned to you           Insurance.                                    to recover property lost or                                     f) Unset precious stones,            restoring, mechanical
    within 4 hours, provided                                                        stolen. If it is lost, stolen       �   Left in your               contact or corneal                or electrical breakdown
    written confirmation is           How much we will pay                          or damaged whilst in the                locked journey             lenses, hearing aids              or derangement.
    obtained and sent to us                                                         care of a carrier, transport            accommodation.             and dental or medical
                                      The maximum we will pay
    from the ‘Airline Company’,                                                     company, authority or hotel                                        fittings, musical             CHAPTER P - LOSS OF
                                      is US$ 400 per Insured                                                            �   Left in the locked
    confirming the baggage was                                                      you must report to them,                                           instruments, deeds,           PASSPORT
                                      Person for any one article,                                                           boot, locked
    not found in the arrival hall                                                   in writing, details of the                                         manuscripts, securities,
                                      pair or set of articles. Total                                                        covered luggage                                          What is covered
    when you arrived from your                                                      loss, theft or damage and                                          perishable goods,
                                      payments shall not exceed:                                                            area or locked
    flight.                                                                         obtain written confirmation.                                       bicycles.                     We will reimburse you
                                                                                                                            glove compartment                                        for the cost of making a
                                                                                    If property is lost, stolen or                                  g) Cracking, scratching,
                                                          Travel Travel                                                     of a motor vehicle                                       duplicate Passport which is
    How much we will pay                                                            damaged whilst in the care                                         breakage of or damage
                                                          Smart Family                                                      and following                                            lost or unintentionally and
    Please refer to Table of                                                        of an airline you must:                                            to china glass, glass
                                                          (USD) (USD)                                                       physical evidence                                        accidentally damaged or
    Benefits page 2 as per your                                                                                             of forcible entry.         (other than glass in
                                                                                    a) Obtain a property                                                                             defaced during the Period
    selected plan.                     Personal                                                                                                        watch faces, cameras,
                                                                                       irregularity report.                                                                          of Insurance.
                                       Baggage                                                                       b) Valuables or money left        binoculars or
    If the loss is permanent, the                                                                                       Unattended at any time
                                       (other                                       b) Give formal written                                             telescopes), porcelain        The cover includes
    amount paid under this                                                                                              (including in a motor
                                       than                                            notice of the claim to the                                      or other brittle or fragile   reasonable extra travel,
    Chapter will be deducted                               5,000        2,000                                           vehicle or in the custody
                                       valuables                                       airline within the time                                         articles unless caused        accommodation and
    from the final claim paid                                                                                           of carriers) unless
                                       and                                             limit contained in their                                        by fire, theft or accident    communication expenses
    by any other Chapter of the                                                                                         deposited in a hotel
                                       personal                                        conditions of carriage                                          to the vessel, aircraft or    you have to pay to get a
    Policy covering the Baggage.                                                                                        safe, safety deposit box
                                       money)                                          (Please retain a copy).                                         vehicle in which they         temporary Passport, the
                                                                                                                        or left in your locked         are being carried.            cost of the temporary
    CHAPTER O -                        Valuables           1,500        1,500       c) Retain all travel tickets        accommodation.
    PERSONAL BAGGAGE                                                                                                                                                                 replacement Passport and
                                       Personal                                        and tags for submission                                      h) Breakage of sports            the cost of re-stamping visas.
    AND PERSONAL                       Money
                                                            400          400           if a claim is to be made      c) Loss or damage due to          equipment or damage
    MONEY                                                                              under this Policy.               delay, confiscation or         to sports clothing whilst
                                      Note: Please note that 50% of the above                                           detention by customs
                                                                                                                                                                                     How much we will pay
     What is covered                  limits shall apply to Insured Persons below                                                                      in use.
                                      the age of 18 except in respect of Personal   d) Retain receipts for items        or other authority.                                          Please refer to the Table of
    We will pay for the loss          Money where no cover applies for Insured         lost, stolen or damaged                                      i) Business goods,               Benefits page 2 as per your
    of, theft of or damage to         Persons below the age of 12.
                                                                                       as these will help you to     d) Loss or theft of               samples, tools of trade,      selected product.
    Baggage occurring during                                                           substantiate your claim.         travellers’ cheques            motor accessories
    the Period of Insurance. The      Excess                                                                            not reported to the            and other items used          Excess
    amount payable will be            The applicable Excess in                      For all claims related              local branch, agent            in connection with            The applicable Excess in
    the current market value,         respect of this cover is                      to loss, theft of all Baggage       or issuing authority           your employment or            respect of this cover is USD
    which takes into account          USD 30 per claim for each                     and/or money you must               within 24 hours of the         occupation.                   30 per Insured Person.
    a deduction for wear, tear        Insured Person.                               report to the local                 discovery of the loss
                                                                                    Police within 24 hours              or theft or where the       j) Wear and tear,
    and depreciation (or we                                                                                                                                                          Special Condition
    may, at our option, replace,      Special Condition                             of discovery and obtain             instructions of the            depreciation,
                                                                                    a written report.                   issuing agents have not        deterioration or loss or      You must take reasonable
    reinstate or repair the lost or   You must take reasonable
                                                                                                                        been carried out.              damage by atmospheric         precautions at all times
    damaged Baggage).                 precautions at all times                                                                                                                       to ensure the safety and

                                                           17                                                                                                     18
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Travel Smart

    supervision of your Passport         consulate or issuing     Insured Persons under 18          applicable to the Chapter      e) The cover by this
    and you should take all              authority within 24      years will be USD 10,000.         you are claiming under but        Chapter does not extend
    practicable steps to recover         hours of the discovery                                     not exceeding USD 100,000         to include Chapter I
    it if lost or stolen. If it is       of the loss or theft.    Special Conditions                per Insured Person.               (Personal Liability).
    lost or stolen while in the                                   a) Only one Benefit shall be
    care of a carrier, transport     c) Loss or damage due to                                       Excess                         Applicable to All
                                                                     payable.
    company, authority or hotel,        delay, confiscation or                                                                     Chapters of the Policy
                                                                                                    The Excess applicable to the
    you must report to them, in         detention by customs      b) Our Medical Advisers           Chapter you are claiming
    writing, details of the loss        or other authority.          may examine you as             under.
    or theft and obtain written                                      often as they deem
                                     d) Fines, penalties,
    confirmation.                                                    necessary in the event of      Special Conditions
                                        punitive damages.
                                                                     a claim.
    If Passport is lost or stolen                                                                   a) The cover by this
                                     e) Cost of passport                                               Chapter is only
    whilst in the care of an            renewal.                  What is not covered
    airline:                                                                                           applicable if the
                                                                  Any Bodily Injury caused             Terrorism Extension
    You must obtain a property       CHAPTER Q - PERSONAL directly or indirectly by:                   option is selected and
    irregularity report.             ACCIDENT BENEFITS                                                 stated in your Schedule.
                                                                  a) Pregnancy.
                                     What is covered
    Give formal written                                                                             b) We shall not be liable
                                     We will pay one of the       b) Any claim arising from
    notice of the claim to the                                                                         for any consequence
                                     Benefits shown below            your failure to comply
    airline within the time                                                                            of any act of terrorism
                                     if, during the Period of        with the Important
    limit contained in their                                                                           involving the release
                                     Insurance, you sustain          Conditions relating to
    conditions of carriage                                                                             or threat of release
                                     Bodily Injury, which shall      Health mentioned on
    (Please retain a copy).                                                                            of germ disease or
                                     solely and independently        page 9.
                                                                                                       other chemical or
    Retain all travel tickets and    of any other cause, result                                        biological contagions
    tags for submission if a         within one year in:          CHAPTER R -
                                                                  TERRORISM EXTENSION                  or contaminants the
    claim is to be made under                                                                          use of threat of use of
    this Policy.                     �   Death                    (OPTIONAL)
                                                                                                       any nuclear device or
                                     �   Loss of Limb             What is covered                      radioactive substance.
     What is not covered
                                                                  With the exception of
    a) Passport left                 �   Loss of Sight                                              c) There must otherwise be
                                                                  Chapter I (Personal Liability),
       Unattended at any time                                                                          a valid claim under the
                                     �   Permanent Total          the cover provided by this
       (including in a motor                                                                           Terms and Conditions
                                         Disablement              Policy extends to include
       vehicle or in the custody                                                                       applicable to the
                                                                  Injury loss or damage to
       of carriers) unless                                                                             relevant Chapter(s).
                                     How much we will pay         an Insured Person as an
       deposited in a hotel
                                                                  innocent bystander by an          d) The maximum liability in
       safe, safety deposit box   The amount we will pay
                                                                  act of Terrorism.                    the aggregate under this
       or left in your locked     under the Smart & Family
       accommodation.             plan is USD 27,500 per                                               Policy shall not exceed
                                                                  How much we will pay                 USD 100,000 for any
                                  Insured Person, subject to
     b) Loss or theft of Passport the Policy limit.               The amount we will pay               Insured Person during
        not reported to the                                       under the Travel Smart               the Period of Insurance.
        Police, local embassy,    The Death Benefit for           Plan is the maximum limit

                                                  19                                                                                           20
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Travel Smart

    8 General Exclusions
    We will not pay for claims          nuclear fuel or from any       and which can be              in those countries            white water rafting/           notified to us in writing
    arising directly or indirectly      nuclear waste, from            identified as the cause       which you are visiting/       canoeing or wrestling.         within 31 days of the
    from:                               combustion of nuclear          of loss.                      travelling through,                                          end of the Trip.
                                                                                                     motor competitions/      k) Your willfully, self-
                                        fuel, the radioactive,
    a) War invasion act                                             f) Your pursuit of               rallies, professional       inflicted injury or Illness, q) Operational duties as a
                                        toxic, explosive or other
       of foreign enemy                                                Adventure Sports              entertaining,               sexually transmitted            member of the Armed
                                        hazardous properties of
       hostilities (whether                                            (Winter Sports and/or         professional sports or      diseases, solvent abuse,        Forces.
                                        any nuclear assembly
       war be declared or                                              Water Sports and/or           racing.                     alcoholism, the use of
                                        or nuclear component
       not) civil war rebellion                                        trekking and/or safari                                    drugs (other than drugs r) Your suffering from
                                        of such assembly.                                                                                                        stress, anxiety,
       revolution insurrection                                         (unless this extension     i) Your engagement in          taken in accordance
       or military or usurped                                          has been purchased            or practice for: Scuba      with treatment                  depression   or any other
                                     d) Loss, destruction
       power riot or civil                                             and specifically stated       diving, whether for         prescribed and                  mental   or nervous
                                        or damage directly
       commotion.                                                      as covered in the             pleasure or professional    directed by a Medical           disorder.
                                        occasioned by pressure
                                        waves caused by                Schedule but, in any          purposes, base jumping,     Practitioner, but not        s) This policy does
     b) Any act of Terrorism                                           case, excluding the           bungee jumping,             for the treatment of
                                        aircraft and other aerial                                                                                                not cover any non-
         (unless Chapter R -                                           professional practice         expeditions, jet skiing,    drug addiction), self-
                                        devices travelling at                                                                                                    emergency medical
         Terrorism Extension                                           of these activities in        mountaineering              exposure to needless
        - has been specifically         sonic or supersonic                                                                                                      treatment, medical
                                        speeds.                        competition).                 requiring the use of        peril (except in an             maintenance, and any
         purchased). For                                                                             guides or ropes, shark      attempt to save human
         the purpose of this                                      g) The following activities:                                                                   additional medical
                                     e) Losses arising, directly                                     diving or underwater        life).                          expenses incurred after
         Exclusion an act of            or indirectly from           bob sleigh/skeletons,           activities.
         terrorism means an                                          bobbing, off-piste                                       l) Your own unlawful               initial treatment of an
                                        the loss of, alteration                                                                                                  emergency    condition
         act, including but not         of, or damage to             skiing, free-style           j) Your engagement in          action or any criminal
         limited to the use of                                       skiing, heli-skiing, luge,      or practice for: boxing,    proceedings against             needing immediate
                                        or a reduction in                                                                                                        medical attention.
         force or violence and/         the functionality,           ski acrobatics, ski             canyoning, caving,          you.
         or threat thereof of any                                    flying, ski jumping, ski        cycle racing, fencing,                                   t) Sanctions and
                                        availability or operation                                                               m) Bodily Injury, Illness,
         person or group(s) of                                       mountaineering, glacier         flying in unlicensed                                        Limitations exclusion:
                                        of a computer system,                                                                      sickness, death,
         persons whether acting                                      skiing, ski stunting,           aircraft or as a                                            No (re)insurer shall
                                        hardware, program,                                                                         loss, disablement,
         alone or on behalf of                                       snow carting, snow              learner, competitive                                        be deemed to provide
                                        software, data                                                                             expense or other
         or in connection with                                       mobiling, snowcat               football, gliding,                                          cover and no (re)insurer
                                        information repository,                                                                    liability attributable
         any organisation(s)                                         skiing or skiing against        gymnastics, hang                                            shall be liable to pay
                                        microchip, integrated                                                                      to HIV (Human
         or government(s)                                            local authoritative             gliding, horse riding in                                    any claim or provide
                                        circuit or similar device                                                                  Immunodeficiency
         committed for political                                     warning or advice.              competitions, hot air                                       any benefit hereunder
                                        in computer equipment,                                                                     Virus) and/or any HIV-
         religious ideological                                                                       ballooning, hunting,                                        to the extent that the
                                        that results from the     h) Your engagement in or           ice hockey, karate,           related illness.
         or similar purposes                                                                                                                                     provision of such cover,
                                        malicious or negligent       practice for: manual            kayaking, martial
         including the intention                                                                                                n) Consequential loss of         payment of such claim
                                        transfer (electronic         work in connection              arts, microlighting,
         to influence any                                                                                                          any kind.                     or provision of such
                                        or otherwise) of a           with a profession,              parachuting,
         government and/or to                                                                                                                                    benefit would expose
         put the public or any          computer program that        business or trade,              paragliding,               o) A Trip from which you
                                        contains any malicious       the use of motorised                                                                        that (re insurer to any
         chapter of the public in                                                                    parapenting/                  are not booked to             sanction, prohibition or
         fear.                          and or damaging code,        two- or three-wheeled           parascending/                 return within the Period
                                        including but not            vehicles unless a                                                                           restriction under United
                                                                                                     parasailing, polo,            of Insurance.                 Nations resolutions or
    c) Ionising radiation               limited to computer          full driving licence is         potholing, rugby, sky
       or contamination by              virus, worm, logic           held permitting the                                        p) Incidents which may           the trade or economic
                                                                                                     diving, sky surfing,                                        sanctions, laws or
       radioactivity from any           bomb, or trojan horse        use of such vehicles                                          give rise to a claim not

                                                  21                                                                                         22
Policy Handbook
Travel Smart

                                        9 General Conditions
         regulations of the             You must comply with the           as possible, but not later   Dual Insurance
         European Union, United         following conditions to have       than 31 days from the        If at the time of any incident
         Kingdom or United              the full protection of your        end of the Trip.             which results in a claim
         States of America.             Policy. If you do not comply,                                   under this Policy, there is
                                        we may, at our option,          You must also inform us if
     u) Any non medical                                                 you are aware of any writ,      another insurance covering
                                        cancel the Policy or refuse
        charges incurred if your                                        summons or impending            the same loss, damage,
                                        to deal with your claim or
        Trip has to be extended.                                        prosecution. Every              expense or liability we
                                        reduce the amount of any
                                                                        communication relating          will not pay more than our
    v) Circumstances known              claim payment.
                                                                        to a claim must be sent         proportional share.
       to you prior to the                                              to us without delay. You
       booking of the Trip or
                                        Duty of Disclosure                                              Reasonable
                                                                        or anyone acting on your
       the purchase of the              It is a condition of this                                       Precautions
                                                                        behalf must not negotiate,
       Insurance policy which           Insurance that you have
                                                                        admit or repudiate any          You must take all reasonable
       could reasonably have            disclosed all material facts
                                                                        claim without our prior         steps to prevent and
       been expected to give            to us. Your failure to do so
                                                                        written consent.                minimise Accident, Injury,
       rise to any claim.               may affect your rights under
                                                                                                        loss or damage and at all
                                        this Insurance. If you are in   You or your legal
     w) Any claim arising from                                                                          times act as if uninsured.
                                        any doubt about what was        representatives must supply,
        a reason not listed in          material then you should        at your own expense, all
        the “what is covered”           declare it to us.
                                                                                                        Subrogation
                                                                        information, evidence,
        sections.                                                       details of other insurances     We are entitled to take over
                                        Compliance                      (if any) and medical            and conduct in your name
                                        You must comply with            certificates as required by     the defence and settlement
                                        all the terms, provisions,      us. We reserve the right        of any legal action. We
                                        conditions and                  to require you to undergo       may also take proceedings
                                        endorsements of this            an independent medical          at our own expense and
                                        Insurance. Failure to do        examination at our expense.     for our own benefit, but in
                                        so may result in a claim        We may also request and         your name, to recover any
                                        being declined or reduce        will pay for a Post Mortem      payment we have made
                                        the amount of any claim         examination.                    under this Policy to anyone
                                        payment.                                                        else.
                                                                       You must retain any
                                                                       property which is damaged,       You agree to subrogate
                                        Claims                                                          all rights or remedies to
                                                                       and, if requested, send it to
                                        You must notify us in respect us at your own expense. If        AXA for obtaining relief
                                        of the following:              we pay a claim for the full      or indemnity from other
                                        a) For Chapters A, B, C, D, E, value of the property and it     parties, upon its paying a
                                            F, G, H, I, J and K: Apply is subsequently recovered        claim under this Policy, and
                                            Procedure A on page 10     or there is any salvage, then    shall at the request and
                                            and 11.                    it will become our property.     at the expense of AXA do
                                                                       We may refuse to reimburse       and concur in doing and
                                        b) For all other Chapters:     you for any expenses for         permit to be done all such
                                            Apply Procedure B on       which you cannot provide         acts and things as may be
                                            page 11 and 12 as soon     receipts or bills.               necessary or reasonably

                                   23                                                24
Policy Handbook
Travel Smart

    required by AXA for the        date of such disclaimer have    �   We shall not pay any       premium for the uninsured      Other Claims
    purpose of enforcing such      been referred to arbitration        other claim which has      period.
    rights or remedies, whether    under the provisions herein         been or will be made
                                                                                                                                 UAE: 800 292
                                                                                                  This Policy does not
    such acts and things shall     contained, then the claim           under the Policy.
                                                                                                  guarantee you to obtain
                                                                                                                                 Bahrain: 8000 1060
    be or become necessary or      shall for all purposes be
    required before or after the   deemed to have been             �   We may, at our option,     any visa to any country        Qatar: 800 2924
                                                                       declare the Policy void.   even though it does meet
    indemnification by AXA.        abandoned and shall not
                                                                                                  and goes beyond the            Oman: 800 70292
                                   thereafter be recoverable       �   We shall be entitled to
    Arbitration                    hereunder.
                                                                                                  requirements for that. The     Saudi: +966 11 478 0282
                                                                       recover from you the       Policy will not be cancelled
    If any difference arises                                           amount of any claim        for this purpose unless it     Or email us at:
    out of this Policy AXA shall   Fraud                               already paid under the     has not incepted yet.          medex.travel@
    immediately notify You         You must not act in a               Policy.
                                                                                                  Annual Travel plan and
                                                                                                                                 axa-gulf.com
    in writing of your right       fraudulent manner.
    to refer the difference to                                     �   We shall not make any      Travel Schengen product        (For medical claims
    arbitration. Such difference   If you or anyone acting for         return of premium.         cannot be cancelled - No       reimbursement)
    shall be referred to the       you                                                            refund will be made.
                                                                   �   We may inform                                             Or
    decision of an Arbitrator                                          the Police of the
                                   �   Makes a claim under                                        We reserve the right to
    to be appointed in writing                                         circumstances.                                            travel.claims@
                                       the Policy knowing                                         request viewing the original
    by You and AXA who may                                                                                                       axa-gulf.com
                                       the same to be false or                                    passports and travel
    be in difference or if we                                      Policy Cancellation            documentation to verify any
                                       fraudulently exaggerated                                                                  (For non-medical claims)
    cannot agree upon a single                                                                    visa purchased or traveling
                                       in any respect; or          You may cancel the Policy
    Arbitrator, to the decision                                                                                                  During regular working
                                                                   within seven days of the       done.
    of two Arbitrators one to      �   Makes a statement                                                                         hours.
                                                                   issuance date provided
    be appointed in writing by         in support of a claim                                      Admin fee: AED 50 per
                                                                   the Period of Insurance
    each of You and us within          knowing the statement                                      Insurance Policy. In case
                                                                   did not start, by giving
    one calendar month after           to be false in any                                         of any difference between
                                                                   us written notification
    having been required in            respect; or                                                English and Arabic text, the
                                                                   including confirmation of
    writing so to do by either                                                                    Arabic text will prevail.
                                                                   no claims or losses made or
    of us. The Arbitrators shall   �   Submits a document
                                                                   known or reported or any       Medical Emergencies
    agree appointment of an            in support of a claim
                                                                   incident which may give
    Umpire in writing before           knowing the document                                       24 hours a day, 7 days a
                                                                   rise to any claim under the
    entering upon the reference.       to be forged or false in                                   week
                                                                   Policy, in which case, you
    The Umpire shall sit with          any respect; or
                                                                   will be entitled to a refund   +971 4 429 4003
    the Arbitrators and preside                                    of premium subject to the
    at their meetings and the      �   Makes a claim in respect
                                       of any Bodily Injury,       below Administration fee.      The benefits can be granted
    making of an Award shall                                                                      only upon prior approval by
    be a condition precedent to        Illness, loss or damage
                                                                   We may cancel this Policy at   AXA Gulf.
    any right of action against        caused by your wilful act   any time by writing to you
    AXA. If AXA shall disclaim         or with your connivance.    at your last known address
    liability for any claim        Then                            by recorded delivery giving
    hereunder and such claim                                       seven days notice, in which
    shall not within twenty four   �   We shall not pay the        case you will be entitled to
    calendar months from the           claim.                      a refund of the proportional

                                                25                                                                                            26
Policy Handbook
Travel Smart

    10 Complaints Process
    We are committed to            3. Transmit a fax to              For all other complaints:
    provide you with the highest      +971 44392188; or
    level of customer service.                                       Insurance Authority
    We do realise that things      4. Telephone Us on                PO Box 113332, Abu Dhabi,
    can sometimes go wrong,           800292 and request             United Arab Emirates
    and when this happens, we         our Customer Service
                                                                     Telephone: +971 2499 0111
    would like to hear about          Staff to register Your
                                      complaint; or                  Fax: +971 2557 2111
    it. Telephone calls may be
    recorded for training and                                        Email: contactus@ia.gov.ae
                                   5. Walk into Our office and
    monitoring purposes. We           request Our Customer           Website for registering
    would like to assure you          Service Staff to register      Complaints:
    that all matters are dealt        Your complaint.                https://eservices.ia.gov.ae/
    with seriously and in a                                          Wirestorm/Pages/Render.
    confidential manner.           In these situations, and on       aspx?page=Complaints&la
                                   your behalf, the complaint        yout=NewAnonymousCom
    Your complaint can             will be registered by our Staff
    be made in any of the                                            plaint
                                   and a Reference Number
    following ways:                generated and provided to
    1. Visit our Website www.      you which please quote in
       axa-gulf.com - select       all future communications.
       Country ‘UAE’ and           Whilst all efforts will be
       select ‘Complaints’         made to revert back within
       under ‘Quick Access’        10 working days, if our final
       (at the bottom of the       response will be delayed
       web page) and register      beyond 15 working days or
       your complaint. You will    if more time is needed for
       receive an auto email       investigation, we will inform
       will be received by You     you when we will be able to
       providing the reference     contact you again about the
       number which should         complaint.
       be quoted in all future    If you are dissatisfied
       communications.            with our final response or
    Alternatively, should you not dissatisfied with the delay
    have an email address or      in our response (beyond
    access to the internet:       15  working days) you may
                                  refer the complaint to
    2. Send a letter to the       the Insurance Regulator
        management at AXA         (please provide them the
        Insurance (Gulf) B.S.C.   details and AXA Complaint
        (c), PO Box 5862, Dubai,  Reference Number). Their
        United Arab Emirates; or contact details are provided
                                  alongside.

                                                 27                                                 28
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