GENERAL CONDITIONS

Age limits

 - This Policy covers any event which happens to an Insured Person who is: from the age of 3 months to 65 years of age at the date of such event on the Individual, Family Plan;

Airlines The Company will have no liability to pay any benefit in relation to any Insured Event for which the Insured Person may be able to seek compensation from an airline.  If the Insured Person proves that he has taken all reasonable and necessary steps to claim from the airline, the Company will pay a pro-rata portion of the benefits.  The Company’s liability will be calculated by reducing the benefits by the amount for which the Company considers the airline to be liable.

Currency All amounts are shown in United State Dollar or in case of Schengen Plan limits of benefits are shown in Euro. If expenses are incurred in a foreign currency the rate of exchange used will be the rate at the time of incurring the expense or suffering a loss.

Endorsements  This Policy may be extended, amended or altered by the Company issuing an endorsement, provided that the application is made in writing to the Company prior to the expiry of the existing Policy and there are neither existing nor initiated claims on the existing Policy.

Liability - The Company shall not be liable or responsible for: a) the negligence, wrongful acts and/or omissions of any legal and/or health care professional or any other person or persons or legal entity that provide direct or indirect service to the Insured Person; b) The failure of any agent or broker to explain adequately the terms, conditions, endorsements, terminations and exclusions of this Policy.  

Language The official version of this Policy is in English. Words in the singular include the plural and vice versa and words in the masculine gender include the feminine gender.

Marketing Should any discrepancies arise between the Policy and any literature received by the Insured Person, the Terms, Conditions, Endorsements, Terminations and Exclusions in the Policy will govern in all cases. 

Misrepresentation This Policy shall be considered void (at the discretion of the Company) in the event of misrepresentation, miss-description or non-disclosure by or on behalf of the Insured Person of any information material to this Policy.   

Other financial products and services  The Company will accept no liability whatsoever for any of the insurance or other financial products or services which are sold in conjunction with this Policy that are provided or underwritten by any other insurance or assurance companies and/or assistance companies and/or financial providers.

Other insurance Except for Section 1 - Personal Accident, if the Insured Person is able to claim under any other policies (including statutory insurance and/or automatic credit card travel insurance) to be covered for the whole or any part of an Insured Event (“Other Claims”), the Company will only be liable to pay its pro rata portion of the claim submitted in terms of this Policy.

- If in the Company’s discretion it decides to pay the claim in full, then it will not be obliged to make payment unless the Insured Person cedes to the Company all of their rights in respect of the Other Claims.

- If the Company has already paid benefits in terms of this Policy, all of the Insured Person’s rights in respect of the Other Claims will be ceded automatically to the Company.

- Without limiting any provision of this Policy or any legal obligation, the Insured Person must cooperate fully with the Company in relation to the Other Claim or legal proceedings including: a) not doing anything to prejudice or limit the Company’s rights; b) giving the Company whatever information and documents it may require; c) signing any document or affidavit that the Company may request to enable it to exercise its rights.

Payment of benefits This Policy is between the Company and the Insured Person only and all of its provisions and conditions are for the sole and exclusive benefit of those parties.  Nothing in this Policy, express or implied, is intended to confer upon any other person any rights or remedies of any nature whatsoever under this Policy or any of its provisions.  Without limitation, no third party shall have any rights under this Policy or any right to receive Policy benefits. Receipt of Benefits paid as follows will be a valid discharge of the Company’s liability under this Policy:

 This Policy cannot be ceded, assigned or in any way transferred to a third party. Benefits shall be payable only to the Insured Person or his legal representative.

Public Conveyance tickets The Company has the right to utilize the Insured Person’s Public Conveyance ticket to offset the Company’s expenses.

Table of Benefits The Table of Benefits referred to in this policy wording is the Table of Benefits used in the Company marketing material.  The policy wording is to be read in conjunction with the Table of Benefits in the marketing material and vice versa.

Country of Issuance Law This Policy will be governed by the laws of country where the policy has been issued and its courts shall have exclusive jurisdiction to the exclusion of the courts of any other country.

Subrogation The Company has the right to commence or take over legal proceedings in the Insured Person's name for the defense or settlement of any claim, or to sue or prosecute any other party to recover monies payable by them at law. The Insured Person must co-operate with the Company and do nothing to hinder the Company’s rights.

Tax or imposts The onus will always be on the Insured Person to ensure, correctly admit and pay any tax liability in consideration of any benefit being paid that may incur tax or imposts of any nature.