SECTION 1.1

If an Insured Person sustains an Injury resulting in an Insured Event described in the Table of Benefits below, the Company will pay the Insured Person or his legal representative the compensation as stated in the Table of Benefit

TABLE OF BENEFITS

INSURED EVENT COMPENSATION STATED AS A PERCENTAGE OF THE PRINCIPAL SUM INSURED

1. Death

    a.  As a result of an Accident 100%

    b.  Death as a direct result of exposure to the elements of nature as a direct result of an Accident 100%

2. Permanent Total Disablement

    a.  As a result of an Accident 100%

    b.  Permanent Total Disablement as a direct result of exposure to the elements of nature as a direct result of an Accident 100%

3. Permanent Disability

	Right	Left
For total loss of an upper member	70%	60%
For total loss of the hand or forearm	60%	50%
For total loss of a lower member above knee	60%	60%
For total loss of a lower member at the level of the knee or below	50%	50%
For total loss of a foot	40%	40%
For total deafness, both ears	40%
For total loss of visual acuity of one eye	25%
For total loss of visual acuity of both eyes	100%
For total loss of speech	100%

Total, irremediable functional loss of use of an organ or member shall be considered as total loss thereof. For reduced functional use, the stated percentage shall be reduced in proportion to the lost functional use.

In case of occurrence of more than one of the losses specified in the above schedule as a result of anyone accident, the total indemnity payable hereunder is established by adding the indemnity corresponding to each single loss up to a maximum limit of 100% of the Principal Sum. 

SECTION 1A - SPECIFIC CONDITIONS

1). The Company will not pay for any benefit in respect of:

 (a) Permanent Total Disablement except on submission of satisfactory proof to the Company that the disablement will in all probability continue for the remainder of an Insured Person's life;

 (b)  More than 100% of the sum insured when more than one Injury arises from the same Accident;

 (c) More than one category for more than 100% of the Principal Sum Insured.  The benefit payable will be the highest in the appropriate category.

2) If the Insured Person sustains Permanent Total Disablement and the claim in relation to that disability is admitted and accepted, the benefit will be paid and all cover under this Section 2A in respect of such Insured Person shall cease.

3) The diagnosis and determination of Permanent Total Disablement or any Permanent Disability must be made and documented by a Medical Practitioner and must be continuous and permanent for at least 12 consecutive months from the onset of the disablement. However: a) for Permanent and Total Loss of Speech, the loss of the ability to speak must be continuous and permanent for at least 12 consecutive months and medical evidence must confirm Permanent and Total Loss of Speech and all psychiatric related causes must be excluded; and b) for Permanent and Incurable Paralysis, the loss of use must be continuous and permanent for at least 12 consecutive months from the onset of the paralysis.

4) If the Insured Person’s existing ailment, infirmity or other abnormal physical or mental condition is aggravated by an Accident, the Benefit amount will be determined by the degree of the deterioration of the existing ailment after the Accident and the Benefit will be paid accordingly.  The degree of ailment, infirmity or other abnormal physical or mental condition before the Accident will be determined by medical evidence.

5) If the consequences of an Accident are aggravated owing to an Insured Person's existing ailment, infirmity or other abnormal physical or mental condition, determination of the benefit will be based on the consequences the Accident would have had, had such defects not existed.  The foregoing shall not apply, however, if such circumstances are a consequence of an earlier Accident to the Insured Person, for which benefit has been or will be paid under this Policy.

6) If an Insured Person dies of natural causes prior to the final disablement assessment relating to an Insured Event, the Company will pay what reasonably would have had to be paid for such Permanent Disability in accordance with Specific Condition 1(b) above.

7) Children are covered for 10% of the Insured Person Principal Sum Insured and up to a maximum of $10,000 under Accidental Death and Accidental Death Common Carrier

8) Children are excluded from any benefit for occupational disability under Permanent Total Disablement.  

SECTION 1B – SPECIFIC EXCLUSION

The Company will not be liable to pay any benefit under this section in respect of any Insured Person for any Insured Event caused by or arising directly or indirectly from any type of Illness, or bacterial infection, except that this exclusion shall not apply to medically acquired infections or blood poisoning, including pyogenic infections, which may result from an accidental cut or wound.

If a covered Injury results in death of an Insured Person within one hundred eighty (180) days after the date of the accident, the Company will pay the compensation as stated in the Table of Benefits

Injury must occur while the Insured Person is riding as a passenger in or on, boarding or alighting from, a Common Carrier.   

SECTION 2A - MEDICAL EXPENSES

International Journey

If an Insured Person whilst traveling on an International Journey incurs Medical Expenses as a result of Illness or Injury, the Company will pay for those expenses up to the amount as stated in the Table of Benefits.

SECTION 2B - DENTAL EXPENSES

The Company will pay for emergency dental treatment to restore dental function or alleviate pain provided by a registered and legally qualified dentist.  Where dentistry to restore dental function or alleviate pain is required as a result of Illness or Injury whilst on an International Journey, these expenses will form part of the benefit amount as stated in the Table of Benefits with per tooth limit of $200.

SECTION 2C – SPECIFIC CONDITIONS

1)  Medical Expenses as a result of emergency dental treatment are limited to dentistry received within 30 days of the Accident.

2) Medical and Related Expenses shall only be paid until such time as a Medical Practitioner appointed by the Company decides that an Insured Person is capable of being repatriated.  If the Insured Person is capable of being repatriated and elects not to return to the Point of Departure, all expenses incurred in respect of the occurrence will be for the Insured Person's own account.

SECTION 2D – SPECIFIC EXCLUSIONS

The Company will not pay for any medical expenses:

1) Incurred for continuing treatment, including any medication commenced prior to the commencement date of the Insured Journey, which the Insured Person has been advised to continue whilst on an Insured Journey; or

2) Incurred due to investigatory treatment that is not specified by a Medical Practitioner as immediately necessary; or

3) For fillings or crowns of precious metal; or

4) For any procedures relating to dental or oral hygiene; or

5) For specialist Medical Treatment without referral from a Medical Practitioner; or

6) Relating to contraceptive devices, prosthetic devices, medical appliances or artificial aids; or

7) For preventative treatment, including but not limited to any vaccination and/or immunization;

8) Sickness cover is excluded in country of origin

 SECTION 2E - EMERGENCY MEDICAL EVACUATION

The Company will pay the usual Reasonable and Customary charges up to the maximum shown in the Table of Benefits shown on the Policy for covered expenses incurred if Injury or Sickness results in the Insured Person necessary Emergency Evacuation.  An Emergency Evacuation must be ordered by the Assistance Service or a Physician who certifies that the severity or the nature of the Insured Person Injury or Sickness warrants his Evacuation.

Covered expenses are those for Transportation and medical treatment, including medical services and medical supplies necessarily incurred in connection with the Emergency Evacuation.  All Transportation arrangements made for evacuating the Insured Person must be by the most direct and economical route possible.  Expenses for Transportation must be: (a) recommended by the attending Physician; (b) required by the standard regulations of the conveyance transporting; and (c) arranged and authorized in advance by the Assist Service.

Definitions

Emergency Evacuation ‑ means: (a) the Insured Person medical condition warrants immediate transportation from the place where he is injured or sick to the nearest Hospital where appropriate medical treatment can be obtained; (b) after being treated at a local Hospital, his medical condition warrants transportation to the country where the trip commenced to obtain further medical treatment or to recover; or (c) both (a) and (b) above.

Transportation ‑ means any land, water or air conveyance required to transport the Insured Person during an Emergency Evacuation. Transportation includes, but is not limited to, air ambulances, land ambulances and private motor vehicles. 

The Company will pay benefits if the Insured Person baggage, which is in the care, custody and control of a Common Carrier, is lost due to theft or due to misdirection by a Common Carrier while his is a ticketed passenger on the Common Carrier during the trip. 

The Company will reimburse up to the maximum shown in the Table of Benefits, for the cost of replacement of the baggage and its contents.  All claims must be verified by the Common Carrier.

The maximum amount to be reimbursed per bag is 50% and the maximum value per article contained in any bag is 10% of the amount stated in the Table of Benefits.  There is also a combined maximum limit of 10% of the amount stated in the Table of Benefits for the following:  jewelry, watches, articles consisting in whole or in part of silver, gold or platinum, furs, articles trimmed with or made mostly of fur, and cameras, including related camera equipment, computers and electronic equipment.

Loss of a Pair/Set

In case of loss to a pair or set, the Company may elect to:

   (a) Repair or replace any part, to restore the pair or set to its value before the loss; or

   (b) Pay the difference between the cash value of the property before and after the loss.

SECTION 3A - SPECIFIC CONDITION

Benefits for baggage and personal effects will be in excess of any amount paid or payable by the Common Carrier responsible for the loss.

Benefits for baggage and personal effects will be in excess of all other valid and collectible insurance.  If at the time of the occurrence of any loss there is other valid and collectible insurance in place, the Company will be liable only for the excess of the amount of loss, over the amount of such other insurance, and any applicable deductible. 

SECTION 3B - SPECIFIC EXCLUSIONS

Benefits will not be provided for any loss of:

1)  Animals, birds, or fish;

2) Automobiles or automobile equipment, boats, motors, trailers, motorcycles, or other conveyances or their appurtenances (except bicycles while checked as baggage with a Common Carrier);

3)  Household furniture;

4)  Eyeglasses or contact lenses;

5)  Artificial teeth or dental bridges;

6)  Hearing aids;

7)  Prosthetic limbs;

8)  Musical instruments;

9)  Money or securities;

10)Tickets or documents;

11)Perishables and consumable.

Benefits will not be provided for any loss resulting (in whole or in part) from:

1)  Wear and tear or gradual deterioration;

2)  Insects or vermin;

3)  Inherent vice or damage;

4) Confiscation or expropriation by order of any government or public authority;

5) Seizure or destruction under quarantine or custom regulation;

6) Radioactive contamination;

7) Usurped power or action taken by governmental authority in hindering combating or defending against such an occurrence;

8) Transporting contraband or illegal trade;

9) Mysterious disappearance; or

10)Breakage of brittle or fragile articles, cameras, musical instruments, radios, and similar property.

11)Mobile

12)Laptops 

The Company will reimburse the Insured Person for reasonable essential expenses incurred following the Excess period and up to the amount stated in the Table of Benefits, for the emergency purchase of essential items if his baggage is delayed, misdirected or temporarily misplaced by a carrier.

SECTION 4A – SPECIFIC CONDITIONS

1.  Written proof of delay from the transport provider must be submitted with any claim and the Company’s liability is subject to it receiving original receipts for the essential expenses incurred.

2.  The baggage delay must exceed the Excess.

3.  Confiscation or requisition by customs or other government authority cannot form the basis of a claim for loss or expenses.

4.  Claims in respect of essential clothing or requisites purchased as a result of delayed baggage will only be considered if items have been purchased within 4 days after the actual arrival time at the intended destination.

5.  If baggage appears to be delayed or lost at the destination airport, the Insured Person must formally notify the relevant carrier airline immediately. Evidence of notification should be provided

The Company will reimburse the Insured Person for reasonable essential expenses incurred caused by unforeseen travel delay and following the Excess period, up to the amount stated in the Table of Benefits resulting from:

1.  Loss or theft of travel documents (travel tickets, passports and visas).

2.  An accident or mechanical/electrical breakdown involving the transport in which he arranged to travel or was traveling for the purpose of reaching the Point of Departure and/or departure point from which he had intended commencing an onward journey.

3.   Delay of a scheduled departure of a Public Conveyance due to: a) industrial dispute, strike or action; or b) adverse weather conditions including cyclones, tornados, floods, typhoons, blizzards, or natural disasters in the country to or through which he is traveling; or c) mechanical/electrical breakdown; or d) public transport services failure.

SECTION 5A – SPECIFIC EXCLUSIONS

The Company will not pay for expenses incurred:

1.  Where comparable alternative onward transportation has been made available to the Insured Person within the Excess after the scheduled departure time of a booked flight or within the Excess after an actual flight arrival (in the case of a connecting flight); or

2.  Where the Insured Person fails to check in according to the itinerary supplied, unless such failure was due to a strike or industrial action; or

3.  Where the delay is due to industrial dispute, strike or action which existed or for which advance notice had been given on or before the date on which the Insured Journey commenced; or

4.  Where the delay is due to the withdrawal from service temporarily or permanently of any Public Conveyance on the orders or recommendation of any Port Authority or the Civil Aviation Authority or any similar body in any country in which advance notice had been given on or before the date on which the Insured Journey commenced; or

5.  For carrier caused delays where the cost of expenses is recoverable from the carrier.  

The Company will pay all damages, compensation and legal expenses for which the Insured Person becomes legally liable up to the amount stated in the Table of Benefits under the plan opted for as a result of his actions causing:

1.  Injury, including resultant death, of another person;

2.  Loss of or damage to property.  

SECTION 6A – SPECIFIC CONDITIONS

1.   It is a condition of payment that the Insured Person not admits fault or liability to any other person without the      Company’s prior written consent.

2.  No offer, promise, payment or indemnity may be made by the Insured Person without the Company’s prior written consent.

3.  The Insured Person must give the Company written notice with full particulars of an event that may give rise to a claim within 30 days of the conclusion of an Insured Journey.

4.  Every letter, writ, summons and process must be forwarded to the Company as soon as possible.

5.  The Company is entitled to take over the defense and settlement of claim in the name of the Insured Person for the Company’s benefit. The Company shall have full discretion in the conduct of any proceedings and settlement of the claim.

6.   The Company may at any time pay the Insured Person the amount for which a claim can be settled less any damages already paid. The Company will then be under no further liability other than for costs and expenses incurred prior to making such payment.

7.  No indemnity will be provided for legal liability arising from Injury or loss as a result of any willful or malicious act of the Insured Person.  

SECTION 6B – SPECIFIC EXCLUSIONS

The Company will not pay damages, compensation or legal expenses in respect of any liability directly or indirectly arising out of or in connection with:

1.  Injury to the Insured Person or to any member of his family ordinarily residing with him; or

2.  Injury to the Insured Person or his employees arising out of or in the course of employment; or

3.   Loss of or damage to property owned by or in control of the Insured Person or any member of his family ordinarily residing with him; or

4.  the ownership, possession or use by or on behalf of the Insured Person of any caravan, mechanically propelled vehicle (other than golf carts and motorized wheelchairs), aircraft or other aerial device, hovercraft (other than hand-propelled or sailing craft in territorial waters) or animals; or

5.   loss of or damage to property or Injury arising out of the Insured Person's profession, business or trade, or out of professional advice given by him; or

6.   any contract unless such liability would have arisen in the absence of that contract; or

7.   judgments which are not in the first instance either delivered by or obtained from a court of competent jurisdiction within the country where the policy has been issued or the country in which the event occurred giving rise to the Insured Person's liability; or

8   Any claim for fines, penalties, punitive, exemplary, aggravated or vindictive damages.

The Company will pay benefits up to the amount stated in the Table of Benefits as shown for covered expenses reasonably incurred to return the Insured Person body to the Country of Residence if he dies. 

Covered expenses include, but are not limited to, expenses for: (a) embalming; (b) cremation; (c) coffins; and (d) transportation.

The Company will pay the Insured Person a distress allowance up to the amount stated in the Table of Benefits for every 24 hour period during which any common carrier in which the Insured Person are traveling has been hijacked, where as a direct consequence, The Insured journey has been disrupted up to a maximum amount stated in the Table of Benefits.

Hijacking - means the unlawful seizure or wrongful exercise of control of an aircraft or other Common Carrier, or the crew thereof, in which The Insured Person are traveling as a passenger. 

If the Insured Person are hospitalized for more than 5 days following a covered hospitalization during the Insured Person trip, the Company will pay up to the amount stated in the Table of Benefits for:

1.  The cost of round-trip economy airfare to bring a person chosen by the Insured Person to and from the Insured Person bedside if the Insured Person is alone during his trip.

2.  The reimbursement of the Hotel room charge due to convalescence after the Insured Person Hospital discharge, which has been approved by the Assistance Service up to a daily amount and total maximum amount stated in the Table of Benefits.

These expenses must be authorized in advance by the Assistance Service.

Benefits will not be provided for any expenses provided by another party at no cost to the Insured Person or already included in the cost of the trip.

The Company will pay Legal fees the Insured Person incur, as a result of false arrest or wrongful detention by any Government or Foreign Power up to the amount stated in the Table of Benefits.

The Company will pay Bail Bond costs the Insured Person incur, as a result of false arrest or wrongful detention by any Government or Foreign Power up to the amount stated in the Table of Benefits.

The Company will pay costs incurred by the Insured Person limited to fees, penalties and courier charges towards replacement of travel documents in lieu of lost passport as per amount stated in the Table of Benefits, under plan opted for and subject to letter intimating loss of passport acknowledged by appropriate authorities.

SECTION 12A - SPECIFIC EXCLUSIONS

1.  Impounding of Passport by any authorities

2.   If the loss is recoverable under other insurance or recoverable from other source.

 24 Hours Assistance 

Phone number:  001 – 713 – 267 – 2525    

                        001 – 800 – 626 – 2427

"Eligible Insured Person(s)" Under this contract will include all persons insured under this policy.

1.Medical Services:

Medical Reference:AIG-International Services (AIG-IS) shall provide the eligible insured person(s) with the name, address, telephone number, office hours and english language translation assistance for medical and health care professionals in any worldwide location reasonable requested by the eligible insured person(s): physicians, hospitals, ambulance, and other emergency medical service (collectively, medical service providers). Whenever AIG -Is has sufficient information to do so, it shall refer the eligible insured person(s) to two or more such medical service providers, set appointments, translate if needed , and coordinate with the eligible insured person's' primary medical insurer. AIR-IS shall use its reasonable best efforts to pre-negotiate fees for services with medical service providers who meet its reasonable best efforts to pre-negotiate fees for services with medical service providers, steer eligible insured person(s) of the company to medical service providers in-network, and to arrange direct billing with its medical service providers whenever possible for expenses incurred by the eligible insured person(s) of the AIG-Is will use every effort to supply a qualified medical reference within 24 hours of the initial request, however when this is not possible, AIG-IS will cannot be held responsible for circumstances beyond its control. In all instances, AIG-IS will notify the eligible insured person(s) of the status of the request within this time frame.

Advance Payment of Medical Expenses: When it is deemed medically appropriate, AIG-Is will advance up to the amount allowed in the policies issued to the eligible insured person(s) for the payment of medical expenses. Any determination by AIG-IS to advance such amounts will be based on advise and approval from the company. If there is no coverage, or  if coverage is insufficient under person's medical expenses will be the sole responsibility of the eligible insured person or of the person(s) acting on the eligible insured person's behalf.

Guarantee of Hospitalization Fee: When it is deemed medically appropriate, AIG-Is will guarantee payment of hospitalization fees up to the amount allowed in the eligible insured person's policy for hospitalization benefits. Any determination by AIG-IS to guarantee such amounts will be subject to approval of the same advance from AIG accordance with this policy. If there is coverage under the policy issued to the eligible insured person by the AIG, then AIG-IS will pay up to the maximum amount available under the policy for hospitalization fees. if there is no coverage, of if coverage is insufficient under the policy., and uncovered expenses associated with an eligible insured person's hospitalization will be the sole responsibility of the eligible insured person or of the person(s) acting on the eligible insured person's behalf.

Medical Evacuation: AIG-IS shall arrange  and coordinate the medical evacuation by means of air transportation, including but not limited to commercial air transportation with or without medical escort, air ambulance transport and/or, if appropriate, other forms of transportation of an eligible insured person(s) from a foreign hospital or health care facility to another foreign hospital or health care facility, or to a hospital or health care facility in the eligible insured person(s) country of origin, when a physician designated by AID-IS to monitor the eligible insured person(s) condition and treatment deems such an evacuation or transportation necessary in his/her professional judgment. AIG-IS  shall use its best efforts to ensure that all services so arranged are with medical service providers that meet the professional standards of the country and city in which the evacuation will originate. AIG-IS will pay reasonable costs on eligible insured person(s) behalf up to the policy limits issued by the AIG.

Medical Case Monitoring: Following all medical referrals or other assistance to a eligible insured person(s) in connection with a medical emergency,   AIG-IS shall monitor the eligible insured person(s) medical condition and treatment until the eligible insured person(s) is released from treatment or returns home.

Repatriation of Remains: When  AIG-IS is notified that an eligible insured person(s) had died while traveling , AIG-IS  will verify that insurance applicable to repatriation of remains is in force. Subject to any governmental regulations, AIG-Is will also assist in making all necessary arrangements for the return of the eligible insured person(s) remains to the place designated by the eligible insured person(s)'s next-of -kin. AIG-IS will pay on eligible insured person(s) behalf reasonable costs up to the policy limits issued by the AIG. Any expense associated with the repatriation of the  eligible insured person(s) remains over the amount available through insurance will be the sole responsibility of person(s) acting on the deceased eligible insured person(s) behalf.

Insurance / Claims Coordination: In a medical emergency, communication and filing issues between a eligible insured person(s)'s insurance carriers and providers to settle billing medical expenses will be handled.

2.Technical Services:

Lost/Stolen Luggage and Personal Effects: Eligible insured person's whose luggage or personal effects are lost or stolen can expect help with local authorities and agencies. AIG-IS shall coordinate with common carriers to locate and recover lost or stolen luggage which shall involve the use of all available tracking systems and establishing, on the eligible insured person(s) behalf and, as appropriate, liaison with transportation carriers, airports, hotels, government authorities and others. AIG-IS will also coordinate arrangements to assist the eligible insured person(s) with  processing of insurance claims resulting from the lost luggage.

Lost/Stolen Travel Documents/Tickets: In the event a traveler's personal travel documents are lost or stolen, eligible insured person(s) can expect help with obtaining replacement and canceling original documents, including making alternate reservations and arranging for replacement airline/rail tickets when needed. AIG-Is shall use its best effort to assist the eligible insured person(s) in locating lost documents (including, but not limited to lost passports and visas), and upon request, to replace such documents by identifying and contacting appropriate governmental authorities, gathering necessary information, and  otherwise taking all reasonable steps necessary to facilitate the replacement of the lost documents in prompt and timely manner.

3.General Services:

Travel Documentation: Advice on procuring travel documents, passport/visa requirements, and  customs entry/exit restrictions and regulations.

Immunization: Advice on the immunization required for the trip, information on local medical advisors, epidemics, and  available preventive measures.

Currency and ATM Locations:  Currency exchange rates are available, as well as information on local bank/government holidays.

Global Weather: General climate and up-to-date weather forecasting for domestic and international.

Telephone Translation for medical emergencies: For travelers in an emergency medical situation who do not speak the local language, multilingual counselors are available 24 hours a day, seven days a week, for translations via telephone.