OVERVIEW

Travel Insurance is an insurance policy that provides 24 hours emergency medical assistance, personal accident cover, compensation for travel delay and loss of traveler's property and other travel related contingencies arising during the trip. This policy is not a general health insurance policy.

The coverage is intended for use by the insured in the event of sudden and unexpected sickness or accident arising when the insured is outside of his or her home country.

All Limits are indicated in US Dollars (USD) equivalent to Ugandan Shilling (UGX) currency at time of claim - PER PERSON
Eligibity (Age)	Up to 75yrs
BENEFITS	SUM INSURED
1. Personal Accident (Accidental Death and Disablement as outlined in the wording)	25,000
2. Medical & Other Expenses	Upto 250,000
Funeral expenses & cost of transporting the remains/ashes to Country of Domicile/Residence	Included within the Overall Limit
Cremation/Burial Abroad	Upto 2,000
Hospital Daily Benefit**	10/per each 24hrs stay - Max. 15 days
Emergency Dental Care	Upto 150
Emergency Optical Care only as a result of accident	Upto  150
Cost of Hearing and Visual Aids – as a result of an accident where treatment in Hospital following Bodily Injury	Upto 150
Follow Up treatment after returning to Country of Residence/domicile:	Not Covered
3. Curtailment	Upto 1,000
4. Baggage & Personal Effects:	Upto 1,000
Single Article Limit	250
Jewellery and Valuables Limit	250
5. Delayed Baggage	Upto 100 after the waiting period 6 hours
6. Money, Travellers’ Cheques/Documents/ Passport	Upto 500 (Loss of Money, Travellers’ Cheques Sub-limited to Upto USD 250)
7. Travel Delay	10 per hour (after the first 6 hours waiting period) / max 180
8. Legal Expenses	Upto 1,500
9. Hijack and Kidnap	100/per each 24hrs - Max. 30 days
10. War and Terrorism but excluding Nuclear, Chemical or Biological	Covered for Sections 1, 2, 3 & 7
OPTIONAL EXTENSIONS – SUBJECT TO ADDITIONAL PREMIUM FOR EACH SECTION
11. Sports, Leisure Activities & Winter Sports for persons upto age of 60 years only and sub limits to apply in respect of:	Covered for Sections 1 and 2 with sub-limits as follows:
First Aid and/or Rescue	Upto 20,000
Ski Equipment	Upto 1,000
Single Article Limit	500
Ski Equipment Hire	75 per each day / Max. 7 days
Ski Pack	Upto 750
Piste Closure	100 per each day / Max. 7 days
Avalanche or Landslide	100 per each day / Max. 7 days
Golf Cover
Golf Equipment	Upto 3,000
Single Article Limit	500
Golf Equipment Hire	75 per each day / Max. 7 days
Non-refundable golfing fees	100 per each day / Max. 5 days
Hole-in-One	Upto 500

Excess/Deductible

All Excess/Deductible amounts are indicated in U S Dollars (USD) equivalent to Ugandan Shilling (UGX) currency at time of claim

Excess(es) – to apply on each section : EACH AND EVERY CLAIM PER PERSON
Section 1 – Personal Accident	NIL
Section 2 – Medical and other Expenses	USD100.00 each and every claim
For Hospital Daily Benefit	Excess of first 24 hours each and every claim
Section 3 - Cancellation and Curtailment	USD100.00 (although deposit only claims USD 50.00 each)
Section 4 - Baggage & Personal Effects	USD50.00
Section 5 - Delayed Baggage	USD 50.00
Section 6 - Money, Travellers’ Cheques/Documents/Passport	USD50.00
Section 7 - Travel Delay, Abandonment and Missed Departure	USD50.00
Section 8 - Legal Expenses	USD150.00
Section 9 - Hijack and Kidnap	NIL
Section 10 - War and Terrorism but excluding Nuclear, Chemical or Biological	Excess as per relevant Sections covered
Section 11 - Sports, Leisure Activities & Winter Sports	Excess as per relevant Sections covered but for:
	Ski Equipment – USD50.00 Ski Equipment Hire – USD 50.00 Ski Pack – Nil Piste Closure – USD 50.00 Avalanche or Landslide – USD 50.00 Golf Equipment – USD 50.00 Golf Equipment Hire – USD 50.00 Non-refundable golfing fees – USD 50.00 Hole-in-One – USD50.00