Travel Claims Note
- Any event and trip delay expenses occurring
when the policy holder is within the territory of his/her Home Country or Usual
Country of Residence is not covered under the policy.
- No expenses are paid, If the flight is rescheduled when
the policy holder within the home country.
- Our Travel Insurance Policy starts once the passenger
departed from home country.
Luggage Delay
- In case the user’s registered luggage is temporarily lost
during his trip and if not delivered within the next 4 hours of his destination
arrival and the user had to buy essential items (clothes, toothbrush, etc…) the
Insurance Company will reimburse the essential items bought, upon presentation
of the invoices.
- A written formal document should be obtained from the
aviation company confirming the number of hours in respect of luggage delay
Trip Delay/ Missed Departure ($50/H up to a maximum limit
of $1,000) outside the home country.
- The insurance coverage provides reimbursement for additional
meal and hotel expenses incurred when a trip is delayed for a reason due to
Unforeseen Strike, Bad Weather, Mechanical or technical hazard of carrier
flight, unforeseen major social event.
- The compensation is payable If the user’s regular common
carrier is delayed or the user missed the departure for at least 4 hours as per
the scheduled departure:
- The policy holder should get an official written
confirmation from the common carrier in respect of numbers of hours of the trip
delayed and the reason for this delay
Exclusion Applicable for trip Delay:
Compensation resulting from:
- Delay already communicated by the airport controllers or
publicly announced the time you made the reservation.
- Scheduled strike or social uprising
- Delay occurring while the insured is in the return trip to the
usual country of residence.
- Delay due to war declared or not
Trip Cancellation (up to 60 years only) in Home Country
The policy shall indemnify the user (aged up to 60
years) in respect of any irrecoverable (from any others sources) and
unused travel fare, accommodation expenses and/or other pre-paid charges which
have been paid in advance or contracted to be paid and for which the user is
legally liable, in the event, the user has to necessarily and unavoidably
cancel the insured trip before the commencement date of the insured trip as a
result of any of the following:
- Death, sudden admission
to the hospital of the insured person, or his close family members
(Parents, Spouse, Children and siblings) due to a non-preexisting
condition which necessitates hospital stay for at least 2 nights.
- Witness summons, jury
service or compulsory quarantine of the user.
- Accidental and serious
damage to the insured person’s place of residence or business in the
country of residence arising from fire, flood or burglary within seventy
two (72) hours before the departure date of the planned insured trip which
requires the insured person’s presence in the country of residence on the
departure date of the user’s trip for the purpose of police investigation.
- A sudden government
regulation or recommendation not to travel by bodies such as, but not
limited to, the World Health Organization following an epidemic or natural
disaster arising within four (4) days before the departure date of the
insured trip and which prohibits the insured person from travelling.
The insured person is liable to provide a proof for
non-travelling in addition to all supportive original documents (medical
report, hospital invoices, and any other related document that might be
requested from the insurance company). The insurance company shall indemnify
after assessment; the balance of the total amount paid for the journey (ticket
cost and accommodation) less the amount refunded by any authority including
airline.
