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: |
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Frequently Asked Questions
Travel Insurance covers a host of insurable incidents. The exact roster of instances varies from one plan to the next. But broadly speaking, here’s what you can expect a Travel Insurance plan to cover:
- Personal accident cover
- Hospitalization expenses
- Trip delays, cancellations or interruptions
- Loss or damage to baggage checked-in
- Loss of passport
Medical and related expenses
Cover provided for medical expenses related to illness or injury, including hospital and doctor’s costs, prescription medication, surgery, evacuation and repatriation
Personal Accident Insurance
Capital sums aid in the event of death or permanent total disability following an accident. Medical expenses following an accident are covered under the medical section
Personal Liability
If you become legally liable for accidental death, bodily injury or illness of any person or loss or damage to property, we will pay for claims made against you. We exclude liability from you being in control of a mechanically propelled vehicle
Journey Cancellation
Cover for non refundable payments if you have to cancel your journey as a result of illness, injury or death. Terms and conditions apply
You may cancel you policy at least three (3) working days before the policy start date by informing us in writing and providing the following;
- Completed cancellation form
- Visa rejection letter in case of visa denial by the embassy
