MSC Cruises SA (Incorporated in Geneva, Switzerland) Registration number 2012/165726/10 Travel Insurance Policy Wording 2018 2019 - Hollard ...
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MSC Cruises SA
(Incorporated in Geneva, Switzerland)
Registration number 2012/165726/10
Travel Insurance Policy Wording
2018 - 2019
Contents
Important Notes ............................................................................................................................................. 2
Meaning of words .......................................................................................................................................... 3
General Conditions applying to all Sections .................................................................................................. 5
General Exclusions applying to all Sections .................................................................................................. 8
Section 1: Medical ........................................................................................................................................ 9
What is covered, Section 1: .................................................................................. 9
What is not covered, Section 1: ............................................................................ 9
Specific Conditions, Section1: .............................................................................. 9
Section 2: Personal Accident ....................................................................................................................... 10
What is covered, Section 2: ................................................................................ 10
Special conditions relating to claims, Section 2: ................................................ 10
What is not covered, Section 2: .......................................................................... 10
Section 3: Cancellation ............................................................................................................................... 11
What is covered, Section 3: ................................................................................ 11
Special conditions relating to claims, Section 3: ................................................ 11
What is not covered, Section 3: .......................................................................... 11
Section 4: Personal Baggage ....................................................................................................................... 13
What is covered, Section 4: ................................................................................ 13
Special conditions relating to claims, Section 4: ................................................ 13
What is not covered, Section 4: .......................................................................... 13
Section 5: Travel Delay .............................................................................................................................. 15
What is covered, Section 5: ................................................................................ 15
Special conditions relating to claims: Section 5 ................................................. 15
What is not covered, Section 5: .......................................................................... 15
Section 6: Missed Connection .................................................................................................................... 16
What is covered, Section 6: ................................................................................ 16
Special conditions relating to claims, Section 6: ................................................ 16
What is not covered, Section 6: .......................................................................... 16
Section 7: Personal Liability ....................................................................................................................... 17
What is covered, Section 7: ................................................................................ 17
What is not covered, Section 7: .......................................................................... 17
Section 8: Hijack of Public Conveyance .................................................................................................... 18
What is covered, Section 8: ................................................................................ 18
What is not covered, Section 8: .......................................................................... 18
Section 9: Carrier Accumulation Limit....................................................................................................... 18
Important Disclosures .................................................................................................................................. 19
Schedule of Benefits .................................................................................................................................... 22
Page | 1Important Notes
Please take note of the important information below: incurring expenses in excess of R5,000. If You
1. Master policy number: OOJ10AP2013 do not contact the Emergency Assistance helpline
2. The policy is a contract between the Hollard then the most We will pay for any medical claim will
Insurance Company (Pty) Limited and MSC Cruises be R5,000. If You receive outpatient treatment
SA (Incorporated in Geneva, Switzerland). where the expense is less than R5,000, You should
3. The insurance is underwritten by The Hollard pay the hospital or clinic and claim back Your
Insurance Company (Pty) Ltd and managed by medical expenses on return Home.
Oojah Travel Protection, an authorised financial 15. Pregnancy and Childbirth: Cover under this policy
services provider. is provided for unexpected complications related to
4. We pay all valid claims if you comply with the terms pregnancy. Pregnancy and Childbirth are not
and conditions of the travel insurance policy. considered to be either an illness or injury. Please
5. IF YOU HAVE ANY QUESTIONS OR ARE IN ANY refer to the Meaning of Words Section,
DOUBT ABOUT THE COVER PROVIDED “Complications of Pregnancy and Childbirth”.
PLEASE CALL OUR TRAVEL HELPLINE ON: 16. Baggage loss/damage caused by the Carrier:
0861HLLRDT (0861455738). You must report the loss immediately to the
6. This policy document provides You with the terms, relevant Carrier, before leaving the baggage area.
conditions and exclusions of the insurance cover, 17. Personal Possessions: The maximum We will pay
together with information that will help You in the under this policy for any one item owned by each
event of an emergency. Insured Person is limited to R1,500.
7. Specific conditions and exclusions will apply to 18. Valuable items: Must be left in a safety deposit
individual Sections of Your policy while general box, or carried on your person at the time of loss.
exclusions and conditions will apply to the whole of You may not check these into your baggage.
Your policy. 19. Policy Excess: Claims are subject to an excess.
8. EMERGENCY ASSISTANCE: call (011) 991 8528. This means that You will be responsible for paying
9. SUBMIT A CLAIM: www.hollardti.co.za click on the first part of the claim up to the excess value per
Claims, Submit a new claim / call (011) 351 4532 Insured Person each and every incident.
20. Damaged property: You are not entitled to
10. Emergency Medical Expenses: This policy is NOT a
abandon any property until the claim has been
Medical Aid, and does not provide cover for
approved by Us, whether or not We decide to take
procedures that can be carried out in Your Home
possession of such property.
Country.
21. In approving Your claim, We may decide to repair,
11. Health: Your policy excludes cover for medical
replace or pay in cash, subject always to the Sum
expenses due to a Pre-existing Condition.
Insured or Limit of Indemnity stated in the Schedule
12. Age Limits:
and subject to deduction of the First Amount
a. Where MSC did not pay a premium for
Payable.
Children under 18 years, the child will
22. Cancellation: The policy provides cover for
share in the cover with an accompanying
Cancellation due to listed reasons only. Please refer
adult.
to the Cancellation Section, which lists the insured
b. This Policy covers any insured event
reasons for this benefit.
which happens to an Insured Person who
23. Important Health Information: You must comply
is under 86 years of age at the date of
with the following conditions in order to have full
such event.
protection under this policy. If You do not comply We
c. Personal Accident: cover ceases on the
may cancel the policy, reject Your claim or reduce
Insured Person’s 65th birthday unless he
the amount of any claim payment.
is gainfully employed.
a. You must be healthy and fit to travel;
d. This Policy does not extend to an Insured
b. The insurance will NOT cover You when
Person over the age of 70 years in the
You are travelling against the advice of a
event of a claim as a result of any cardiac
Medical Practitioner;
or cardio vascular or vascular or cerebro
c. The insurance will NOT cover You when
vascular illness or conditions or sequelae
You are travelling with the intention of
thereof or complications that, in the
obtaining medical treatment or consultation
opinion of a Medical Practitioner appointed
abroad;
by the Company, can reasonably be
d. The insurance will NOT cover You if You
related thereto.
have any undiagnosed symptoms that
e. Clients 86 years and over - will only qualify
require attention or investigation in the
for the benefits under Cancellation and
future (that is symptoms for which You are
Curtailment, Personal Baggage, Baggage
awaiting investigations/consultations, or
Delay Loss of Cash and/or Passport and
awaiting results of investigations, where the
Travel Delay.
underlying cause has not been
13. Trip Limits: Trips must commence and end in Your
established);
Country of Residence and a return ticket must have
e. You are not covered for any medical claim
been booked prior to departure.
relating to a pre-existing medical condition.
14. Medical Emergency: In the event of a medical
emergency You MUST contact Us before
Page | 2Meaning of words
Wherever the following words and phrases appear in this Home Country: Your country of residence (Please note for
policy they will always have these meanings: the purposes of this insurance Your Home Country is
Accidental Bodily Injury: A sudden, violent, external, defined as one country of residence).
unexpected specific event, which occurs at an identifiable Insured Company: MSC Cruises SA (Incorporated in
time and place, which solely and independently of any other Geneva, Switzerland). Registration number 2012/165726/10.
cause results, within 12 months, in the death, Loss of Limb, Insured Person or You/Your: Each person travelling as a
Loss of Sight or the Permanent Total Disablement of an fare paying passenger on a cruise booked through MSC
Insured Person. South Africa, and for whom the appropriate premium has
Carrier Accumulation limit: The maximum amount we will been paid by MSC Cruises, and at the commencement of
pay in the aggregate under this policy in respect of insured the Period of Insurance being not more than the specified
persons travelling in the same Carrier at any one time. age limit.
Carrier: A scheduled or chartered aircraft (excluding all non- Injury: A bodily injury or physical trauma resulting from an
pressurised single engine piston aircraft), land (excluding Accidental Bodily Injury.
any hired motor vehicle and motorcycles) or water Illness: Any fortuitous sickness, illness or Disease
conveyance licensed to carry passengers for hire and in (or originating, contracted, commencing or manifesting itself
on) which You are travelling as a fare paying passenger. during Your Trip.
Certificate: The validation page issued in respect of this Limits of Cover: Unless stated to the contrary, Our
policy which sets out the names of the Insured Persons, the maximum liability in any one Period of Insurance is limited to
Period of Insurance and any other special conditions and the amount stated in each Section, per Insured Person.
terms. Loss of Limb: Loss by physical severance, or the total and
Children/Child: Your natural or adopted child irrecoverable permanent loss of use or function of, an arm at
(son/daughter) not in full-time employment, under the age of or above the wrist joint, or a leg at or above the ankle joint.
18 years, unmarried, not pregnant, without children and Loss of Sight: Total and irrecoverable loss of sight in one or
primarily dependent on Your maintenance and support. both eye(s); this is considered to have occurred if the degree
Complications of Pregnancy and Childbirth: For the of sight remaining after correction is 3/60 or less on the
purposes of this Policy ‘Complications of Pregnancy and Snellen scale.
Childbirth’ shall only be deemed to include the following Medical Practitioner: A legally licensed member of the
unexpected events occurring more than 15 weeks prior to medical profession, recognised by the law of the country
the expected delivery date: toxaemia, gestational where treatment is provided and who, in rendering such
hypertension, pre-eclampsia, ectopic pregnancy, treatment is practising within the scope of his/her licence and
hydatidiform mole (molar pregnancy), post partum training, and who is not related to You or any travelling
haemorrhage, retained placenta membrane, placental companion.
abruption, hyperemesis gravidarum, placenta praevia, Pair or Set: A number of items of Personal Baggage
stillbirths, miscarriage, medically necessary emergency considered as being similar or complementary to one
Caesarean sections and any premature births. another or used together.
Connecting flight/s: means a flight departing on the same Period of Insurance: Except for Cancellation, cover will
day as your cruise’s date of arrival or date of departure. commence when You check-in for the Local Connecting
Close Relative: Spouse, parent , parent-in-law, step-parent, Flight or pass through passport control to board the cruise
legal guardian, children (including legally adopted and step- ship, and will automatically cease when You pass through
children, and daughter/son-in-law), sibling (including step- passport control into Your Home Country, or when You
siblings and sister/brother-in-law), disembark from Your Local Connecting Flight. Cancellation
grandparent, grandchild, or fiancé(e) of an Insured Person. coverage will take effect 24 hours after the date/time You
Common Law Partner: The person living with the Insured paid Your cruise deposit.
Person as if husband or wife, including same sex partner, for Permanent Total Disablement: Permanent Total
at least six consecutive months at the commencement of the Disablement which, having lasted for a period of at least 12
Period of Insurance. consecutive months from the date of occurrence will, in the
Cancellation: Foregoing a planned cruise due to the Insured opinion of an independent qualified specialist, entirely
Person’s inability to board the cruise ship as a direct result of prevent You from engaging in, or giving any attention to any,
an insured reason. and every business or occupation for the remainder of Your
Curtailment: Abandonment of a planned cruise, after you life.
have boarded the cruise ship, by return to your Home Personal Baggage: Your suitcase, clothing and toiletries
country earlier than on the scheduled return date as a direct taken with You for Your personal use during Your Trip.
result of an insured reason. 1. Note 1: Excluded items:
Damage of Personal Baggage: Accidental damage to your 1. Items hired by You, and all items loaned or
bag/suitcase whilst in the custody of the carrier, excluding entrusted to You
damage caused by wear and tear, moth or vermin, denting 2. Gifts and any items purchased on Your
or scratching, staining or any process of dyeing or cleaning. Trip
Family: The main Insured Person, his/her spouse or Point of Departure means Your usual place of residence
Common Law Partner, and/or their dependent children under from which an Insured Person leaves to travel in a direct,
18 years of age (in full-time education and residing with timeous and uninterrupted manner to board your booked
them). cruise or Connecting Flight.
Geographical Limits: Worldwide, excluding South Africa Policy Excess: The first amount, per Insured Person, each
and countries or parts of countries where the Foreign & and every incident, each and every section of cover, where
Commonwealth Office (FCO) has advised against travel. the Policy Excess applies.
Home: Your principal place of residence, used for domestic Policyholder: MSC Cruises SA (Incorporated in Geneva,
purposes. Switzerland). Registration number 2012/165726/10.
Page | 3Pre-existing Medical Condition: dangerous to life and which results in Your Cancellation
1. Any past or current Medical Condition that has given or Curtailment of Your Trip.
rise to symptoms or for which any form of treatment or Strike or Industrial Action: Any form of Industrial Action,
prescribed medication, medical consultation, whether organised by a trade union or not, which is carried
on with the intention of preventing, restricting or otherwise
investigation or follow-up/check-up has been required or
interfering with the production of goods or the provision of
received during 6 months prior to the commencement of services.
cover under this policy and/or prior to any Trip: and Travel Documents: Your passport.
2. Any cardiovascular or circulatory condition (e.g. heart Trip: When travelling in a direct and uninterrupted manner
condition, hypertension, blood clots, raised cholesterol, on an MSC Cruise, outside the borders of Your Home
stroke, aneurysm) that has occurred at any time prior to Country, commencing when You check-in for the Local
the commencement of cover under this policy and/or Connecting Flight or pass through passport control to board
the cruise ship, and will automatically cease when You pass
prior to any Trip.
through passport control into South Africa, or when You
Secure Baggage Area: Any of the following, as and where disembark from Your Local Connecting Flight.
appropriate: Unattended: When You cannot see and are not close
1. The locked dashboard, boot or locked Baggage enough to Your property or vehicle to prevent unauthorised
compartment of a hatchback vehicle fitted with a lid interference or theft of Your property.
closing off the Baggage area, or of an estate car with a Valuables: Cameras; photographic, video and associated
fitted and engaged tray or roller blind cover behind the equipment of any kind; games consoles (Playstation,
rear seats. Gameboy, Nintendo, etc), accessories and games; personal
2. The fixed storage units of a motorised or towed caravan. organisers; mobile telephones; televisions; portable audio
3. A locked Baggage box, locked to a roof rack which is equipment (DVD, CD, mini-disc, MP3 players, i-pods, etc)
itself locked to the vehicle roof. and all associated discs and accessories; spectacles;
Serious Illness or Serious Injury: prescription sunglasses; telescopes; binoculars; jewellery;
1. Whenever applied to You means Illness or Injury which watches; furs; leather articles; perfumes; precious stones
requires treatment by a registered Medical Practitioner and articles made of or containing gold, silver or other
and which results in You being certified by that Medical precious metals.
Practitioner as unfit to start Your Trip or continue with We, Our or Us: The Hollard Insurance Company, an
Your original Trip. authorised financial services provider.
2. Whenever applied to Your Close Relative or Travel
Companion, means Illness or Injury where Your Close
Relative requires inpatient treatment during the period of
the Trip, certified by a Medical Practitioner as being
Page | 4General Conditions applying to
all Sections
1. Accuracy of Material Information for which You may become legally liable to
This Policy or any part of it may be declared void by a third party.
Us if any material details that affect the risk are not 5.7 If We deny liability or reject any claim made
disclosed, or are misrepresented or misdescribed by in terms of this Policy or void Your Policy or
You or on Your behalf, or if We are not informed of You dispute the amount of any claim under
an alteration in the risk. this Policy, representation may be made to
2. Amendments to Cover Us within ninety (90) days of the date of Our
We may change Your Policy by giving You thirty (30) letter of rejection or voidance. If Your
days’ notice by fax, post or e-mail to Your last known dispute is not satisfactorily resolved in this
address. Any change that You make will be effective manner, You may institute legal action
from the time and date agreed to with Us. against Us for the enforcement of the claim
3. Automatic Extension by way of the service of summons against
The period of insurance shall automatically be Us. Summons must be served on Us within
extended due to the occurrence of an event giving one hundred and eighty (180) days of Our
rise to a legitimate claim under the Section 1 original letter of rejection or voidance. If this
(Medical expenses and Repatriation) occurring after is not done, Your claim against Us will be
the commencement of Your Trip. forfeited and will become time barred and
4. Cancellation We shall no longer be liable for the claim.
This Policy may be cancelled as per the Travel 5.8 We will not be liable under more than one
Insurance Agreement between MSC, Oojah Travel Section of this Policy in respect of loss,
Protection and Europ Assistance. damage or liability that arises from the
5. Claims Procedure and Conditions same event in respect of the same loss,
5.1 If an event giving rise to or likely to give rise damage or liability.
to a claim comes to Your knowledge You 5.9 In respect of any Section of this Policy
must notify Us within thirty (30) days and under which an indemnity is provided for
provide Us as soon as is reasonably liability to third parties, We may, upon the
possible with: happening of any event, pay to You the limit
5.1.1 particulars of any other policy of indemnity provided in respect of such
covering the same event; event or any lesser sum for which the claim
5.1.2 written details of the event; or claims arising from such event can be
5.1.3 such proofs, information and settled. We shall thereafter not be under
sworn declarations that We may further liability in respect of such event.
require; 5.10 You are not entitled to abandon any
5.1.4 any document or details of any property until the claim has been approved
communication received in by Us, whether or not We decide to take
connection with a claim. possession of such property.
5.2 No admission, statement, offer, promise, 5.11 In approving Your claim, We may decide to
payment or indemnity may be made by You repair, replace or pay in cash, subject
without Our prior consent in writing. always to the Sum Insured or Limit of
5.3 You must report any event to the police Indemnity stated in the Schedule and
within forty eight (48) hours, or as soon as subject to deduction of the First Amount
is reasonably possible thereafter, if it Payable.
involves malicious damage, damage to a 5.12 You have to sign a release in Our favour
vehicle, theft or any other criminal act or before We will settle a claim.
suspected criminal act or loss of property, 5.13 In the event of a medical emergency You
and take all reasonably practical steps to MUST contact Us before incurring
discover the guilty party and recover the expenses in excess of R5,000, except in
stolen or lost property. case of emergency. If You are physically
5.4 We may take over and conduct the defence prevented from contacting Us immediately,
or settlement of any claim and/or recovery You or someone designated by You must
from any third party and have the right to contact Us within 24 hours.
use Your name for this purpose. 5.14 All claims other than Section 1 (Medical
5.5 You must give all information, Expenses and Repatriation) are only
documentation and assistance required by payable in the Republic of South Africa.
Us to obtain indemnity from other parties. 5.15 In the event of a valid claim You shall
5.6 We are not liable for any claim after three allow Us the use of any relevant Travel
hundred and sixty five days (365) days documents You are not able to use
have expired from the date of the event that because of the claim.
gives rise to the claim, unless the claim is 5.16 You shall submit to a medical examination
the subject of a pending court action at Your expense, should we so require.
between You and Us, or is a claim for sums 6. Communication of Material Changes
Page | 5Any changes in Your circumstances must be affect the interpretation of the Policy. Should there
communicated to Us in writing immediately and be any conflict in interpretation between the
if possible before such changes occur to ensure contents of the printed Policy and the contents of
the Schedule, the Schedule shall be given
continuous cover. Provided that the changes
precedence.
are acceptable to Us, they will be effective from 12. Interest on Payments due by Us
the date agreed upon, subject to Our terms and No interest will be payable on any amount due by Us
conditions being complied with. We will confirm in terms of this Policy unless a Court of Law orders
these changes by sending You an updated otherwise.
Schedule. 13. Jurisdiction
7. Consent to Disclosure of Private Information This Policy shall be subject to the laws and statutes
7.1 You acknowledge that the sharing of of the Republic of South Africa and We shall only
information for underwriting and claims abide by judgments delivered or obtained in the first
purposes is in the public interest, as it will Instance by a court of competent jurisdiction within
enable insurers to underwrite policies and the Republic of South Africa.
assess risks fairly and reduce the incidence 14. Observance of Policy Terms, Conditions and
of fraudulent claims with a view to limiting Warranties
premiums. Our liability is conditional upon the observance of the
7.2 On Your behalf and on behalf of anyone Policy terms, conditions and warranties stated in the
You represent herein, You hereby waive Policy or Schedule by any person claiming indemnity
any right to privacy with regard to any or benefit under the Policy. Failure to comply with
underwriting and claims information in any of the terms, conditions or warranties may result
respect of any insurance policy or claims in a claim being rejected or the Policy being voided.
made or lodged by You, or on Your behalf. 15. Other Insurance
7.3 You consent to such information being 15.1 If the loss, damage or liability is covered by
stored in the shared database and used as any other insurance We will not pay more
set out above. than Our rateable proportion.
7.4 You also consent to such information being 15.2 If any claim (except for Personal Accident)
disclosed to any insurer or its agent. in this policy is covered by an airline,
7.5 You further consent to any underwriting service provider or insurance company
information being verified against legally (including credit card insurance), then the
recognised sources or databases. amount payable by such airline, service
7.6 You agree that this consent clause will provider or insurance company will
survive the termination for whatever reason become the Excess of this policy.
of the Policy, including its cancellation or 15.3 You will be required to repay to Us, within
lapsing. one month of Our request to You, any costs
8. Currency or expenses We have paid on Your behalf
If expenses are incurred in a foreign currency, then which are not covered under the terms and
the rate of exchange used to calculate the amount conditions of this policy.
payable will be the rate at the due date of 15.4 If You have more than one policy
settlement. The monetary limits shown on the underwritten by Us, the maximum amount
policy are deemed to be South African Rand. payable shall not exceed the Limit of
9. Family Cover Liability of whichever policy has the
Children accompanying You on an identical travel highest Limit of Liability.
itinerary shall share in the cover with You when no 16. Premium payments
premium has been paid for them. When additional MSC is liable for the premium for the Automatic
premium is paid per Child, the Child will be entitled Cover.
to full benefits. 17. Prevention of Loss
10. Fraudulent Acts in Making a Claim You must take all reasonable precautions to prevent
If a claim made under this Policy: loss or damage, death, bodily injury, liability and
10.1 is in any respect fraudulent or if fraudulent accidents and should take reasonable steps to
means are used by You, or on Your behalf, prevent further loss or damage following an insured
to obtain any benefit under the Policy; event.
10.2 has been inflated or information has been 18. Proof of Value and Ownership
provided in connection with the claim that is You must provide Us with the reasonable proof that
not true; We require of the value and ownership of any item
We will be relieved of all liability in respect of the for which You claim.
whole claim and You will repay to Us all amounts that 19. Pre-existing medical conditions
We have paid previously in respect of the claim, No cover will come into force, or continue in force
without prejudice to Our rights to recover any unless each Insured Person has declared ALL Pre-
damages that We may have suffered as a result of existing Medical Conditions to Us and they have
Your fraudulent conduct been accepted by Us in writing.
11. Interpretation 20. Repatriation
The proposal of insurance, this Policy and the We will not compensate You for the costs of
Schedule together with any endorsement thereto repatriation, unless We specifically agree to do so in
shall read as one document. If any word or writing.
expression has been given a specific meaning it 21. Rights of Others
shall have the same meaning wherever it appears. This Policy gives rights to You only. Any extension
Headings have been inserted to help You find the of Our liability for the losses of any other person
information You need. They must not be taken to gives no right to that person to claim from Us.
22. Territorial Limits
Page | 6This cover applies to incidents anywhere in the 23.1 on the date when you pass through passport
world, except for: control after you have disembarked from the
22.1 Any country where the British Foreign and cruise;
Commonwealth Office and/or the South African 23.2 on the date You reached the maximum age
Department of Foreign Affairs has issued a limit for the cover selected;
travel warning; and 23.3 Day 91 after the day you passed through
22.2 Any other country in which the United Nations passport control to board the cruise.
Armed Forces are present and active.
23. Termination
This policy terminates on the earliest of the
following dates:
Page | 7General Exclusions applying to
all Sections
The following General Exclusions apply to the entire Policy: 14) You engaging in or practising for the following sports
1) Any person who has reached the age limit. and activities: Bobsleigh, Boxing, Canyoning, Caving /
2) Medical expenses incurred within the borders of Your Cave Diving, Flying as crew, Heli-skiing, Horse
Home Country. Jumping, Horse Racing, Hunting / Shooting, Hunting-on-
3) Loss, damage or expense which at the time of horseback, Hurling, Ice Hockey, Luge, Martial Arts
happening is insured by or would but for the existence (Competition), Microlighting, Motor Racing (all types),
of this policy, be insured by any other existing policy. If Mountaineering, Parasailing, Paraskiing, Polo,
You have any other policy in force, which may cover the Potholing, Professional Sports, Quad Biking exceeding
event for which You are claiming, You must tell Us. This 250cc, Rock Climbing, Rock Scrambling, Shark
exclusion shall not apply to Personal Accident cover feeding/cage diving, Skeleton, Ski Jumping, Ski Racing,
under Section 16. Ski Stunting, Skiing off-piste, Snowboarding off-piste,
4) Costs which would have been payable if the event being Steeplechasing, Team sports played in competitive
the subject of a claim had not occurred. Examples of contests, Wrestling, Yachting (racing) or any other
losses We will not pay for: activities not mentioned under this policy unless You
I. the cost of food or drinks unless it is a covered have referred these to Us and We have written to You
event under the Travel Delay benefit and accepting them for insurance.
II. the cost of transfers to/from the airport. 15) Flying or sea travel of any kind, except:
5) Any consequential loss (not listed under the headings i. On a flight arranged by Us (Repatriation and
“What is covered”). Examples of losses We will not pay Evacuation);
for include ii. As a fare paying passenger on a Carrier (not
I. costs of telephone calls or faxes, as a member of the crew).
II. taxi fares (with the sole exception of the taxi costs 16) War (whether War be declared or not), Hostilities,
incurred for the initial journey to a hospital abroad Invasion or Civil War. For Personal Accident (Section
due to Your illness or injury), interpreters’ fees, 16) and Medical Expense (Section 1) benefits only this
III. inconvenience, distress, loss of earnings, loss of exclusion is amended as follows: This Policy does not
enjoyment of holiday, time-share fees, holiday cover death or disablement in any way caused or
points, contributed to by war, whether war be declared or not,
IV. visa costs, replacement cost of your passport and hostilities or any act of war or civil war when the Insured
V. any additional travel or accommodation costs Person is taking an active part therein.
(unless pre-authorised by us as part of a valid claim 17) Radioactive Contamination, whether arising directly or
under the Medical, Travel Delay or Missed indirectly.
Connection benefit. 18) Engaging in occupational activities requiring the use of
6) Any deliberately reckless act or omission by You. explosives.
7) Any claim arising or resulting from Your own illegal or 19) Being in the service of any military or police force, or
criminal act. militia or paramilitary organisation.
8) Needless self-exposure to danger except in an 20) You travelling to a country or specific area or event to
endeavour to save human life. which the Foreign and Commonwealth Office has
9) Any claim arising directly or indirectly from: advised persons not to travel.
i. An Insured Person being under the influence of 21) Nuclear, Chemical and Biological Terrorism: this Policy
alcohol, or does not cover any claim(s) in any way caused or
ii. An Insured Person being under the influence of contributed to by an act of terrorism involving the use or
drugs or narcotics unless such drugs or release or the threat thereof of any nuclear weapon or
narcotics were administered by a Medical device or chemical or biological agent. For the purpose
Practitioner or unless prescribed by and taken of this exclusion an act of terrorism means an act,
in accordance with the directions of a Medical including but not limited to the use of force or violence
Practitioner; or and/or the threat thereof, of any person or group(s) of
iii. An Accident occurring whilst an Insured Person persons, whether acting alone or on behalf of or in
was driving a motor vehicle with more than the connection with any organisation(s) or government(s),
legal limit of alcohol in his blood or breath; or committed for political, religious, ideological or ethnic
iv. Alcohol abuse, alcoholism, substance abuse, purposes or reasons including the intention to influence
solvent abuse, drug abuse or addictive any government and/or to put the public, or any section
conditions of any kind. of the public, in fear.
10) Any claim arising or resulting directly or indirectly from 22) Loss of any kind arising from the provision of, or any
Your suicide, attempted suicide, intentional self-injury, delay in providing, the services to which this policy
mental disturbance or disorders, insanity, psychiatric, relates.
psychological, emotional or nervous conditions. 23) Any loss or damage directly or indirectly caused by the
11) Sexually transmitted diseases. provision of, or any delay in providing, the medical (or
12) You (being the driver of a motor vehicle or motorcycle) medical related) services to which the cover under this
not being in possession of a valid/legal license. policy relates, whether provided by Us or by anybody
13) Cover for the intention of emigrating (travelling on a else (whether or not recommended by Us and/or acting
one-way ticket). on our behalf).
Page | 8Section 1: Medical
g) Treatment and/or surgery for cosmetic purposes
What is covered, Section 1: unless Our Medical Officer agrees that such
We will pay the following costs, up to the Limit of Liability in
treatment is necessary as the result of an accident
the Schedule of Benefits, for each Insured Person who
covered under this policy;
suffers sudden and unforeseen bodily Injury or Illness, or
h) Expenses incurred as a result of a tropical disease
who dies during a Trip outside the borders of Your Home
when You have not had the recommended
Country:
inoculations and/or taken the recommended
1.1 Reasonable medical expenses for the immediate
medication;
treatment of an unforeseen medical emergency.
i) Any costs incurred in Your Home Country other
Included are Medical Practitioner’s fees, hospital
than in connection with transportation of You or
expenses, in-patient and out-patient medical treatment
Your remains to Your Home from abroad;
and charges for medical transportation (taxi or
j) Any costs where the transportation Home has not
ambulance) to the nearest suitable hospital abroad
been arranged by Us;
when deemed necessary by a recognised Medical
k) Any costs in respect of unused pre-paid travel costs
Practitioner.
when We have paid to repatriate You;
1.2 Repatriation: Additional flights and accommodation to
l) Search and/or rescue costs;
repatriate You Home when recommended by Our
m) Routine optical and/or dental treatment;
Medical Officer. We will pay for the cost of a medical
n) The Policy Excess;
escort if considered necessary. We have the right to
o) Physiotherapy/manipulative therapy in excess of
demand that You are repatriated. If Our Medical Officer
R2,000, unless Our Medical Officer agrees to the
advises a date when it is feasible and practical to
treatment in writing.
repatriate You, but You choose instead to remain
p) Contraceptive devices, prosthetic devices and/or
abroad, all expenses incurred thereafter in respect of
artificial aids and dentures.
the occurrence will be for Your own account.
q) Cancer of any kind (whether pre-existing or not).
1.3 Burial or cremation of a deceased Insured Person
r) Medical expenses incurred after 12 months of the
abroad up to the Limit of Liability in the Schedule of
loss occurring or the illness first manifesting itself.
Benefits; or alternatively transportation costs of
s) Any pre-planned or pre-known dental treatment;
returning Home an Insured Person’s body or ashes.
t) Any dental treatment or diagnostic procedure which
1.4 Pain stilling dental treatment: We will pay up to the
is not solely for the immediate relief of pain or
Limit of Liability for the costs of providing necessary
discomfort;
treatment for the immediate relief of pain. Where dental
u) Normal wear and tear;
treatment is required as a result of an Injury, these
v) Any damage to dentures;
expenses will form part of the Limit of Liability under
w) Dental treatment involving the provision of dentures
Medical Treatment.
or the use of precious metals;
1.5 Optical Treatment: We will pay for emergency treatment
x) Anything mentioned in the General Exclusions.
provided by a Medical Practitioner or optician as a result
of Illness or Injury whilst on Your Trip up to the Limit of
Liability.
Specific Conditions, Section1:
a) Repatriation, Evacuation and Transportation
What is not covered, Section 1: will be decided by Us, depending on the
a) Costs in excess of R5,000 which have not been medical information and/or report received by
authorised by Us in advance (see Important Notes). Our Medical Officer.
Where no prior approval has been obtained from b) We will use Your return ticket towards Our
Us, Our liability will be limited to R5,000 for any one costs for repatriation.
incident; c) Repatriation is back to Your Home.
b) Any claims arising directly or indirectly as a result of d) All claims exceeding R5,000 must be
any Pre-existing Medical Condition accompanied by medical report stating:
c) Treatment which, in the opinion of Our Medical i. Diagnosis
Officer, can reasonably be delayed until Your return ii. Date of first consultation
Home; iii. Treatment provided
d) Any treatment which is not a surgical or medical iv. Cause of medical problem
procedure with the sole purpose of curing or v. Medical reason if You are unfit to fly
relieving acute unforeseen Illness or Injury;
e) Any claims for costs related to pregnancy or
childbirth unless the claim is certified by a Medical
Practitioner as necessary due to Complications of
Pregnancy and Childbirth and occurring more than
15 weeks prior to the expected delivery date;
f) Treatment or services provided by a private clinic or
hospital, health spa, convalescent home or any
rehabilitation centre unless confirmed as medically
necessary by Our Medical Officer.
Page | 9Section 2: Personal Accident
What is covered, Section 2: listed Insured Events “a to
m”
If You suffer Accidental Bodily Injury during the Trip, which
within 12 months is the sole and direct cause of death or
Permanent Disablement, We will pay up to the Limit of Special conditions relating to
Liability in the Schedule of Benefits to You or Your legal
personal representatives the following benefits: (benefits are
claims, Section 2:
per insured person) a) The diagnosis and determination of Permanent
INSURED EVENT SUM INSURED, Total Disablement must be made and documented
Expressed as a by Our Medical Officer, and must be continuous
percentage of the Limit of and permanent for at least 24 consecutive months
Liability from the onset of the disablement;
b) Permanent total loss of use of a limb shall be
a) Death 100%
treated as a loss of limb;
b) Total, permanent and 100%
c) In the event of compensation becoming payable
irrecoverable loss of
under more than one benefit, the total amount
hearing in both ears
payable shall not exceed 100% of the Limit of
c) Total, permanent and 50%
Liability for each Insured Person, not exceeding the
irrecoverable loss of
Accumulation Limit;
hearing in one ear
d) Notice of death must be given immediately and We
d) Total, permanent and 100% will have the right to have a post mortem
irrecoverable loss of sight in examination of the body.
both eyes
e) Total, permanent and 50%
irrecoverable loss of sight in What is not covered, Section 2:
one eye a) Injury not caused solely by outward, violent and
f) Total, permanent and 100% visible means;
irrecoverable loss of both b) Your disablement caused by mental or
hands or feet psychological trauma not involving Your bodily
g) Total, permanent and 100% injury;
irrecoverable loss of one c) Disease or any physical defect, infirmity or illness
hand and one foot which existed prior to the commencement of the
h) Total, permanent and 50% Trip;
irrecoverable loss of one d) Any payment in excess of the amount legislated by
hand or one foot law arising from death of Insured Persons under 18
i) Permanent and total loss 100% years of age;
of speech e) An Insured Person engaging in any Adventure
j) Permanent and incurable 100% Sports and Activities (regardless of whether the
paralysis Adventure Sports and Activities premium has been
k) Permanent and total loss 70% paid);
of four fingers and thumb of f) Personal Accident benefits will cease on Your 66th
either hand birthday;
l) Permanent and total loss 40% g) Any claim arising directly or indirectly from any type
of four fingers or thumb of of Illness and/or bacterial infection, except that this
either hand exclusion shall not apply to medically acquired
infections or blood poisoning which may result from
m) Permanent Total 100%
an accidental cur or wound;
Disablement
h) Anything mentioned in the General Exclusions.
n) Permanent Disabilities 15%
not provided for under the
Page | 10Section 3: Cancellation
a) In the event of Curtailment, You must contact
What is covered, Section 3: Us first and allow Us to make all the necessary
We will reimburse up to the Limit of Liability in the Schedule
travel arrangements.
of Benefits per Insured Person under this policy for financial
b) If, at the time of requesting Our assistance in
loss You suffer, being non-refundable deposits, for pre-paid
the event of a Curtailment claim, satisfactory
flight and cruise fare You do not use if:
medical evidence is not supplied in order to
Cancellation: You cancel Your Trip more than 24 hours substantiate that the claim is due to an
before the scheduled date of departure (except if the unforeseen illness, injury or death of You, a
departure is delayed by 12 hours) due to any of the Close Relative or travelling companion, all
following unexpected events which is beyond Your necessary arrangements will be at Your own
control, and of which You were unaware at the time You cost.
booked the Trip. c) You must notify the Carrier or Travel Agent
Curtailment: You are forced to cut short a Trip You immediately when You know the Trip is to be
have already started, and return to Your Home Country, cancelled or curtailed, to minimise Your loss as
because of one of the following changes in far as possible. If You fail to notify the Carrier
circumstances whilst on Your Trip (a to f), which is or Travel Agent immediately it is found
beyond Your control, and of which You were unaware at necessary to cancel the Trip, Our liability shall
the time You booked the Trip. be restricted to the cancellation charges that
a) Unexpected Serious Illness, or Serious Injury or would have applied had failure not occurred.
death of You, Your Travel Companion or a Close d) If You cancel the Trip due to unforeseen illness
Relative, occurring within 60 days before the or injury You must provide a medical certificate
booked date of departure of the Trip from the treating General Practitioner stating
b) You abandoning Your Trip following the delay of the reason that prevented You from travelling.
more than 12 hours in the departure of Your e) If the reason for Cancellation or Curtailment is
outward (from South Africa) international flight, related to an Illness, you must provide a 6
Local Connecting Flight or cruise, forming part of months medical history.
the booked Trip’s itinerary before you passed f) If Your outward flight, sea-crossing or
through passport control, as a result of: international coach or train journey’s departure
o Strike or Industrial Action affecting the was delayed, You must produce to Us written
booked flight or cruise, adverse weather documentation provided by the Carrier,
conditions at the Point of Departure, or the specifying the reason for the delay, the length
mechanical breakdown of, or accident of of the delay and whether any amounts were
the aircraft or cruise ship at the Point of paid to you.
Departure. g) If You cancel or curtail Your Trip because Your
c) If You are made redundant and You qualify for presence is required by the Police in
redundancy payment under current legislation. connection with accidental damage, burglary,
d) Accidental damage, burglary, flooding or fire flooding or fire affecting Your Home during
affecting Your Home, occurring during the Trip or Your Trip, You must produce to Us written
within 48 hours before You depart, when a loss documentation from the Police confirming that
relating to Your Home in excess of R10,000 is the loss or damage occurred during the Trip -
involved and Your presence is required by the otherwise no claim will be paid.
Police in connection with such events. h) Curtailment claims will be calculated from the
e) Your compulsory medical quarantine. date of return to Your Home Country.
f) You abandoning Your Trip following a terrorist
incident in a city listed on Your pre-paid Trip
itinerary within 14 days prior to Your scheduled What is not covered, Section 3:
departure date. The same city must not have a) Cancellation of Your Trip after you have
experienced a terrorist incident within 90 days prior passed through passport control;
to the terrorist incident that is the cause of Your b) Any disinclination to travel or continue
claim. travelling, unless Your change of travel plans is
g) Pre-existing medical conditions. caused by one of the reasons listed under
h) Complications relating to Pregnancy, where you are ‘What is Covered’;
less than 25 weeks pregnant on the date of c) Cancellation caused by pregnancy or childbirth
departure. unless the cancellation is certified by a Medical
Practitioner as necessary due to Complications
Note: The maximum amount We will pay under Section 3 in of Pregnancy occurring more than 15 weeks
total for Cancellation and Curtailment claims is the Limit of prior to the expected delivery date on the date
Liability in the Schedule of Benefits. of departure;
d) Claims arising from actual or planned Strike or
Industrial Action which was common
Special conditions relating to knowledge at the time You booked the Trip;
claims, Section 3: e) Any costs in respect of any unused pre-paid
You must obtain a medical certificate from the Medical travel costs when We have paid to repatriate
Practitioner in attendance and Our prior approval to confirm You;
the necessity to return Home prior to the scheduled return f) Withdrawal from service of the aircraft, sea
date of the Trip in the event of unforeseen illness or injury. vessel, coach or train on which You are
Page | 11booked to travel, by order or recommendation j) Any costs relating to airport taxes, services
of the regulatory authority in any country. You fees, port charges, admin fees or air passenger
should direct any claim in this case to the duty. You should obtain a refund from Your
transport operator involved; carrier for such charges;
g) Failure by the provider of any part of the k) Any Cancellation or Curtailment caused by
booked Trip to supply the service or transport work commitment or amendment of Your
(whether as the result of error, insolvency, holiday entitlement by Your employer;
omission, default or otherwise) unless the l) Any claim resulting from Your inability to travel
event is specifically covered by this policy. You due to an Insured Person’s failure to hold,
should direct any claim in this case to the obtain or produce a valid passport, birth
provider involved; certificate or any required visa in time for the
h) Change of plans due to Your financial booked Trip;
circumstances except if You are made m) Prohibitive regulations by the Government of
redundant and qualify for redundancy payment any country, or delay or amendment of the
under current legislation; booked Trip due to Government action;
i) Any claim arising as a result of attendance of n) Nervousness, anxiety, depression or stress-
an Insured Person, or any other person on related disorders that results in Your
whom the holiday plans depend, in a Court of disinclination to travel (whether pre-existing or
Law. This exclusion will not apply if You are not);
subpoenaed as a witness (other than in any o) Any claim for additional expenses incurred;
professional or advisory capacity); p) The Policy Excess.
q) Anything mentioned in the General Exclusions.
Page | 12Section 4: Personal Baggage
b) If the
What is covered, Section 4: Carrier denies your claim based on the fact
1) If, in the course of Your Trip, Your Personal Baggage is
that you did not file a claim or that the claim
damaged by the Carrier, stolen, destroyed or lost by was not filed in time, We will also deny your
the Carrier (and not recovered), We will cover You up claim since We are secondary to the Carrier.
to the Limit of Liability in the Schedule of Benefits per c) We have the option to either pay You for the
Insured Person in total under this policy. Within this loss, or replace, reinstate or repair the items
amount the following sub-limits apply: concerned.
d) Claims are paid based on the value of the
a) The maximum We will pay for any one article,
goods at the time that they are lost.
or for any one Pair or Set of articles, is R1,500.
e) You must take suitable precautions to secure
b) The maximum We will pay for sunglasses or
the safety of Your Personal Baggage, and
prescription glasses carried on Your person at
must not leave it unsecured or Unattended or
the time of loss is limited to R1,000 per Insured
beyond Your reach at any time in a place to
Person.
which the public have access.
c) The maximum We will pay for mobile
f) If claiming for Your goods that were stolen You
telephones carried on your person at the time
should produce proof of purchase of the
of loss is limited to R1,000 per Insured Person.
original goods by way of receipts, credit card or
d) The maximum We will pay for Personal
bank statements, as failure to do so may affect
Baggage or Valuables lost, damaged or stolen
the assessment of the claim.
from a beach or pool-side is limited to R1,000
g) Within 24 hours of the discovery of the
per Insured Person.
incident, You must report loss of Personal
e) The maximum We will pay for any cigarettes or
Baggage to the local Police or to the Carrier,
alcohol lost, damaged or stolen is limited to
as appropriate, (damage/loss of Personal
R500 in total under this policy.
Baggage in transit must be reported to the
f) The maximum We will pay for a laptop,
Carrier before You leave the baggage hall and
palmtop or similar personal computer (and any
a Property Irregularity Report (PIR) must be
fittings and accessories) carried on your
obtained with photos of the damage), or to
person at the time of loss shall be R5,000.
2) Baggage Delay: If Your Baggage is certified by the Your hotel or accommodation management.
h) You must produce to Us written documentation
Carrier to have been misplaced outside the borders of from the appropriate parties listed above
Your Home Country for a period in excess of 6 hours, confirming that the loss or theft occurred during
then You can claim an amount up to the Limit of Liability the Trip - otherwise no claim will be paid.
in the Schedule of Benefits per Insured Person for the i) You must provide receipts and a report from
purchase of clothing and toiletries during the delay. the Carrier confirming the length of the delay -
Such sums will be refundable to Us if the Baggage or otherwise no payment will be made.
any part of it proves to be permanently lost. j) Within 24 hours of discovery of the incident
3) Cash: If during a Trip, the Money You are carrying on You must report loss of Money or Your
Your person or the money You have left in a safety passport to the local Police or to the Carrier, as
appropriate.
deposit box is stolen, damaged or destroyed, then
k) You must produce to Us written documentation
subject to the following conditions and exclusions, We from the parties listed above confirming that
will cover You up to the Limit of Liability in the Schedule the loss or theft occurred during Your Trip -
of Benefits per Insured Person in total. otherwise no claim will be paid.
4) Passport: If Your passport is lost or stolen outside the l) You must produce to Us evidence of the
country of departure during a Trip, We will pay up to withdrawal of bank notes or currency notes -
R1,000 per Insured Person in respect of reasonable otherwise no payment will be made.
additional travel and accommodation expenses You
incur abroad to obtain a replacement passport. We do What is not covered, Section 4:
not cover the replacement cost of the passport itself. a) Any items purchased whilst on the ship;
b) Any item loaned, hired or entrusted to You;
Special conditions relating to c) Any loss, theft of, or damage to Personal
Baggage left in an Unattended motor vehicle if:
claims, Section 4: i. the items concerned have not been locked
a) When baggage damage or loss occurs due to out of sight in a Secure Baggage Area;
a Carrier’s mishandling, We act as a secondary ii. no forcible and violent means have been
insurance to the Carrier. The primary coverage used by an unauthorised person to affect
is provided by the Carrier. A claim must be entry into the vehicle; and
filed with the Carrier. The amount not iii. no evidence of such entry is available.
reimbursed by the airline may then be directed d) Theft of Valuables from an Unattended motor
to Us. Our liability will be reduced by the vehicle;
amount for which We consider the airline to be e) Loss, theft of, or damage to Valuables from
liable. checked-in Baggage left in the custody of a
Carrier and/or Valuables packed in Baggage
Page | 13left in the baggage hold or storage area of a l) Forgotten or mislaid items;
Carrier; m) Liability in respect of a Pair or Set of articles
f) Valuables must be carried on Your person, or where We shall be liable only for the value of
lodged in a safety deposit box at the time of that part of the Pair or Set which is lost or
loss. damaged;
g) Electrical or mechanical breakdown or n) Sports gear whilst in use;
derangement of the article insured; o) Losses from a roof or Baggage rack;
h) Wear and tear, damage caused by moth or p) Claims for loss, theft or damage to anything
vermin, denting or scratching, or any process being shipped as freight or under a Bill of
of dyeing or cleaning; Loading;
i) Loss, damage, cost or expense directly or q) Loss or damage to baggage not accompanying
indirectly arising from permanent or temporary You on the same flight or cruise.
dispossession resulting from detention, r) Shortages or loss due to error, omission,
confiscation, forfeiture, impounding or depreciation in value, or confiscation or
requisition legally carried out by customs, detention by Customs or other lawful officials
police services, crime prevention units or any and authorities;
lawfully constituted officials or authorities; s) Anything that can be replaced by the issuer;
j) Dentures; bonds; securities; stamps or t) Water damage;
documents of any kind, including driving u) The Policy Excess;
licences and passports; musical instruments; v) Anything mentioned in the General Exclusions.
typewriters; glass; china; antiques; pictures; a. Any claim arising in connection with a Trip
pedal cycles; hearing aids; coupons; vehicles within Your Home Country;
or accessories; samples or merchandise or b. Delay, detention, destruction or
business goods or specialised equipment confiscation by Custom officials or other
relating to a trade or profession, unused mobile authorities;
telephone rental charges or pre-payments;
k) Damage to fragile, perishable or brittle items
including cracked screens;
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