Any and all illnesses or diseases
Any illness or disease, excluding any disease or illness for which medical treatment was recognised, advised, sought out, or should have been sought out, or received before the Policy Period.
The costs of medical treatments incurred towards an illness during travel within the territories stated in the Policy in a hospital or as prescribed by a Physician.
Trip during the policy period where the return trip must be within thirty (30) days after the Insured Journey commences.
Includes close family members in the same country
Policyholder’s spouse, children, children in law, siblings, siblings in law, parents, parents in law, grandparents, grandchildren, legal guardian, ward, aunts & uncles, nieces & nephews; living in the same country as the policyholder.
The date of accident/event which leads to a loss. For sickness, it is the first date of diagnosis, or the date the policyholder became aware of the sickness.
An amount or period of time for which the Insurer will not be responsible for the claim
The amount stated in the Policy as a percentage or a fixed amount for which the Insurer will not be responsible if the claim falls below such percentage or fixed amount, or a period of time for which the Insurer will not be responsible unless the period of time has expired.
The beneficiary is the individual that receives the benefit
In case of death, unless specified otherwise, Beneficiary means the individual, specified by the policyholder, to whom the benefits are given.
In case of other benefits, the policyholder themselves may be the beneficiary.
The amount payable for every twenty-four (24) continuous hours an Insured Person is in Hospital as an in-patient up to the maximum number of days stated in the Policy.
Any land, sea or air travel provider, operating under a licence issued by a governmental authority having jurisdiction, for the transportation of fare paying passengers and which has fixed, established routes only.
The maximum paid on a claim by an Insurer
The maximum amount payable by the Insurer in respect of any one Accident, irrespective of the number of Insured Persons involved in such Accident. In the event that an Accident results in loss greater than the Accumulation Limit, claim is distributed proportionately to all Insured Persons, subject to the maximum Sums Insured per Benefit and per Insured Person.
