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Demands
and Needs
This insurance policy will suit the Demands and Needs of an individual, or group
(where applicable) who have no excluded pre-existing medical conditions, are
travelling in countries included within the policy terms and who wish to insure
themselves against unforeseen events detailed in the cover section below.
Subject to the terms, conditions and maximum specified claim limits.
Important
We will not provide you with advice about the suitability of this product for
your individual needs but will be happy to provide you with factual information.
We summarise below the details of the insurance cover provided which also
includes SPECIALTY ASSISTANCE LTD - 24-hour emergency service. The following is
a brief summary of the cover available. Full details of Cover, Policy Warranties
and Exclusions will be forwarded with your confirmation of booking. In any event
you may ask for a specimen copy of the Policy Wording before booking should you
wish to examine this in advance.
Summary of Benefits
Cancellation Up to £2,000 Medical Expenses & Repatriation Up to £1,000,000
Curtailment & Hospital Benefit Up to £2,000
Luggage & Personal Money Up to £1,000 (Limit £200 any one article , £200 in all
valuables and £200 Personal Money)
Luggage Delay up to £75
Personal Liability up to £1,000,000
Personal Accident up to £5,000
Loss of Passport up to £200
Legal Expenses up to £5,000
Delayed Departure Up to £60
Missed Departure Up to £200
Fourteen Day Refund – Cooling Off Period Premium refund if policy not
satisfactory.
Policy Excess
Loss of Deposit £Nil Excess, Excess £50.00 Cancellation, Medical Expenses,
Curtailment, Hospital Benefit, Luggage and Personal Money.
Health Conditions
1. We shall not be liable for claims WHERE AT THE TIME OF TAKING OUT THIS
POLICY:
(a) You are aware of any medical condition or set of circumstances that could
reasonably be expected to give rise to a claim (for example the state of health
of a Close Relative, Business Associate or any person on whom your travel plans
depend).
(b) The Insured Person whose medical condition gives rise to a claim :
(1) is receiving, or on a waiting list for, surgery, inpatient treatment or
investigations In a hospital, clinic or nursing home: or
(2) is travelling against any health requirements stipulated by the carrier,
their handling agents or any other public transport provider:
or
(3) is travelling against the advice of a Medical Practitioner or for the
purposes of obtaining medical treatment abroad;
or
(4) has been given a terminal prognosis.
2. All material facts must be disclosed to us. Failure to do so may affect your
rights under the policy. A material fact is a fact likely to influence us in
acceptance or assessment of the insurance (for example, your Own state of health
or that of a Close Relative). If you are in any doubt as to whether a fact is
“material” then for your own protection it should be disclosed.
Cooling Off Period
You should
read your policy immediately to ensure it meets with your requirements. If for
any reason it does not it must be returned to the issuer of the policy within 14
days of the date of issue or prior to travel which ever is the sooner. Your
money will be refunded in full, provided no claims have been made or incident
likely to give rise to a claim has arisen. If you cancel your policy after 14
days no refund will be given.
Skills
Holidays are an Appointed Representative of ITC Compliance Limited who are
authorised and regulated by the Financial Services Authority |