Quick Descriptions - Part One

Medical Expenses

We will pay for emergency hospital and other medical expenses, costs, necessitated by your serious illness or injury whilst abroad. Some of the most common exclusions will be:
Heart/Circulatory
Lungs/Breathing
Cancer
Psychological Conditions
Blood Immune Deficiency Disorder

Personal Liability

If you are held legally liable for the injury or damage to other people or to their property, we will pay for damages and claimant’s costs and expenses.

Hospital Benefits

Hospital benefit will pay an additional cash benefit for each day that the insured is receiving treatment as a hospital in-patient abroad, to pay for sundry expenses such as telephone calls etc.

Cancellation & Curtailment

Cancellation: If you are forced to cancel your journey (for example because of you or a close relative becoming seriously ill) the policy will indemnify the insured up to the amount shown in the schedule of cover.
Curtailment: Should it be necessary to return home partway through the holiday (for example if your presence was requested by the police following a burglary at home) the policy will indemnify the insured up to the amount shown in the schedule of cover.

Travel Delay

If your airline is delayed for more than 12 hours your policy will pay you the level of benefit in the policy wording.

Personal Money

Personal money will pay for the loss or theft of cash or travellers cheques from your person or from a safety deposit box.