TRAVEL INSURANCE PREMIUMS

Policy Benefits

Summary of Cover

Premier

Economy

Medical and Other Expenses*

Up to £10,000,000. Cover for medical expenses and emergency dental treatment, repatriation for medical reasons (when considered necessary by International Medical Rescue), additional accommodation and travel expenses etc. due either to illness or injury anywhere aboard. This section includes the 24hr Emergency and Repatriation services of International Medical Rescue.

£10,000,000

£10,000,000

Hospital Inconvenience

If hospitalisation as an in-patient occurs aboard the insured will receive an inconvenience payment of £10 per day, up to £1,000 to defray incidental expenses such as taxi fares, telephone calls etc. incurred during hospitalisation.

£1,000

£1,000

Cancellation or Curtailment*

Up to £5,000 for loss of personal accommodation, irrecoverable transport and travel charges paid or requiring payment following cancellation of your holiday or journey after the issue date of your policy, due to specified causes as detailed in the policy wording or curtailment (by early return home) following injury or illness.

£5,000

£5,000

Personal Accident

Up to £15,000 injury compensation cover for death, loss of limb(s) or eye(s) or permanent total disablement due to accident whilst aboard or £15,000 for accidental death. For persons under 16  and over 70 years of age, this benefit is reduced to £1,000

£15,000

£15,000

Personal Baggage*

Up to £2,000 for loss or damage of luggage including suitcases and contents, articles worn or carried up to the following limits: Any single article - £250. watches, furs, articles of precious metals or stones, photographic apparatus, mobile phones, hearing aids, binoculars, audio, video and computer equipment - up to £250

£2,000

Not covered

Personal Money*

Up to £500 Personal Money. This covers against loss of personal or business money (cash, bank or currency notes, cheques, travellers cheques, postal  or money orders, petrol coupons). Cash limit £200.

£500

£500

Baggage Delay

Should personal baggage be delayed for up to 12 hours, expenses for emergency purchases can be claimed up to £100 . A written report and receipts will be required in the event of a claim

£100

£100

Missed Departure

Up to £600 for additional accommodation and travel expenses incurred to reach the overseas destination) as a consequence of failure by public transport scheduled services toget you to the departure airport or port in the normal country of residence in the EC on time.

£600

£600

Departure Delay

Should the departure of your aircraft or sea vessel be delayed for at least 12 hours from the normal country of residence in the EC due to strike/industrial action, adverse weather conditions or breakdown/derangement, or if an aircraft is grounded as a result of a mechanical breakdown, you may claim £20 after 12 hours delay and £10 after each full subsequent 12 hours, up to a maximum of £300. This policy also covers the invoiced irrecoverable cost of your journey if after 12 hours delay - up to £5,000 (£50 Excess).

£300

£300

Personal Liability

Up to £2,000,000 if you are legally liable for accidental injury, loss or damage to a third party or their property.

£2,000,000

£2,000,000

Loss of Passport

If a passport is lost or stolen whilst aboard, travel and accommodation expenses incurred in obtaining a replacement will be reimbursed up to a maximum of £500

£500

£500

Legal Expenses

In the event of the Insured being injured by a third party, legal costs up to £10,000 will be provided to enable a claim to be made against them.

£10,000

£10,000

Hijack  Cover

If the Insured's international scheduled flight is hijacked and prevented from reaching it's destination, a payment of £50 will be made for each 24 hour period of delay, up to a maximum of £5,000

£5,000

£5,000

Catastrophe Cover

If you are unable to stay in your pre-booked accommodation die to damage caused by fire, flood, earthquake or storm the policy will pay up to £400 towards the cost of moving you to alternative accommodation which is of similar standard to that pre-booked

£400

£400

Homecare Cover

In the event of damage occurring due to fire, flood, storm or burglary at your home during your holiday the policy will pay up to £400 for the emergency costs in securing your home until your return.

£400

£400

Pet Care

The policy will pay up to £250 for veterinary bills if your pet is injured or in an accident whilst in care during your holiday

£250

£250

24hr Emergency Assistance

Call International Medical rescue for fast, efficient medical help in a crisis and transport back home if necessary. Tel No:(44) 20 8773 2450 or Fax N0: (44) 20 8669 3442 anytime day or night, giving the policy details and an experienced co-ordinator will arrange emergency help, fast.

Yes

Yes

* £65 excess

Sports and Recreational Activities

Occasional participation in the following activities and sports, done on a recreational and non-professional basis, are covered within the terms of the policy at not additional premium (subject to the recognised equipment and safety precautions being utilised). Certain hazardous sports and activities will however be subject to an increased medical excess as shown. Amateur sports not involving physical contract, tour operators’ safaris, non manual work including bars, restaurants and other non hazardous work (e.g. office and managerial work), farm holidays are covered as part of list A:-

List A

Standard Medical Excess £65

Abseiling*, Archery**, Badminton, Baseball, Basketball, Bowls, Canoe/Kayak (inland - excluding white water), Clay Pigeon Shooting**, Cricket, Cycling (non-competitive), Curling, Deep Sea Fishing (no commercial/ competition), Dinghy Sailing, Dry Skiing, Fell Walking, Field Hockey, Fishing, Football (association), Go Karting**, Golf**, Handball, Heptathalon, Lacrosse, Marathon Running, Mountain Biking, Netball, Orienteering, Paintballing**, Polo, Pony Trekking, Rambling, Rollerblading, Rounders, Rowing, Safaris/Gorilla (organised tours only), Sailing (inland/coastal), Sail Boarding, Skateboarding, Snorkelling, Squash, Street Hockey, Surfing, Tennis, Trekking/Hiking (organised tours only), Volleyball, War Games**, Water Polo, Water Skiing**, Windsurfing.

List B

Standard Medical Excess £150

American Football, BMXRiding, Bungee Jumping*, Big Game Hunting***, Canoe/Kayak (coastal waters - excluding white water), Canyoning*, Fell Running, Fencing, Gliding***, Gymnastics, Hang Gliding***, High Diving (less than 10m), Horse Riding**, Hot Air Ballooning*, Hunting (on foot)**, Jet Skiing**, Judo, Motor Cycling (max. 125cc)***, Parachuting (solo or tandem)*, Paragliding (over land)*, Parapenting (over land)*, Parascending (over water)*, Quad Biking**, Rifle Range**, Rugby (union/league), Scuba Diving to 100ft/30m (PADI qualified), Show Jumping, Skydiving***, Weight Lifting (non-competitive), White Water Rafting.

WINTER SPORTS:- Occasional participation in the following Winter Sports activities are also covered under LIST B provided they are incidental to, and not the main purpose of the trip.

Glacier Skiing, Heli-skiing, Ice Hockey, Ice Skating, Mono Skiing, Nordic Skiing, Cross Country Skiing, Off-Piste (recognised areas), Ski Diving*, Snowboarding/Surfing, Snowmobiling (skidoo)***, Tobogganing, Training/Racing (non-professional)**.

*. Excludes Personal Accident Benefit    .**   Excludes Personal Liability.  ***  Excludes Personal Liability & Personal Accident Benefits

Geographical Areas

Area 1: Europe

Includes the Channel Islands, Republic of Ireland, countries west of the Ural mountains; the Azores, canary Islands, Iceland, Madeira and  countries bordering the Mediterranean Sea ( except Egypt, Israel, Lebanon, Libya and Syria)

Area 2: Worldwide

Rest of the World  ( including  Egypt, Israel, Lebanon, Libya and Syria and those countries defined under Area 1:Europe,excluding USA, ,Canada & the Caribbean)

Area 3: Worldwide  Includes USA, Canada the Caribbean and all countries defined under Area 2

Additional Underwriting Terms

Health Conditions

Underwriting Agents reserve the right to impose additional terms on the receipt of any applications. These may take the form of increased premiums or increased excess limits on selective sections of the policy, or both

Underwriting Agents shall not be liable for claims where at the time of taking out this insurance:

(a)     The Insured Person is aware of any medical condition or set of circumstances which could reasonably be expected to give rise to claim

(b)    Any person, including those who are not travelling, whose condition may give rise to a  claim:

          (i)  has during the twelve months prior to taking out this Insurance suffered from any chronic  and/or recurring illness of a serious nature which has necessitated consultation or  treatment unless declared in advance to and accepted by the Underwriting Agents; or

         (ii) is suffering from anxiety or depression or from any previously diagnosed psychiatric disorder or

         (iii) is receiving, or is on a waiting list for in-patient treatment in a hospital or nursing  home; or

          (iv)  is expected to give birth before, or within eight weeks of the date of arrival home; or

           (v)  is travelling against the advice of a Medical Practitioner or for the purpose of obtaining  medical  treatment abroad; or

          (vi)  has been given a terminal prognosis.

Important Notes

1. Infants (aged under 2 ) Insured free. Children aged 2 and under 18 rated at 50% if travelling with an insured adult.

2. Family cover rated at 2.5 x adult premium, includes Parents (or Grandparents) and all unmarried dependent children under the age of 21 if in full time education and living at home.

3. Single parent cover rated at 1.5 x adult premium

4. Ages specified at date of departure

5. One way trips covered at a a minimum of 16 day premium

6. Policy subject to a health declaration as detailed on the on-line application form.

7. Policy available to all UK and EC residents of 6 months or more
8. Covers non residents for a maximum of 35 days if travelling from and returning to the UK

9.  EC residents can be also covered if travelling from and to their country of permanent residence

10.  UK policy available of request

11.  14 day money back guarantee.

12.  General Excess £65

13.  For those aged 86 and over, premiums and terms available on request

Material Facts

Money Back Guarantee

Notice

Data Change Exclusion

All material facts must be disclosed to the Underwriting Agents. Failure to do so may affect your rights under the Insurance. A material fact is a fact  likely to influence the Underwriting Agents in the acceptance or assessment of the Insurance (for example, your own state of health or that of a close relative). If you are in doubt as to whether a fact is 'material', then for your own protection it should be disclose to the Underwriting Agents by telephoning the Citybond Medical helpline on Freephone 0800 195 5910 (Mon. to Sat. 9.00am to 5.30pm) when advice will be given on whether any special terms will be required.

Under the Association of British Insurers General Business Code of Practice, attention is drawn to a number of import features of this Insurance. PLEASE READ THESE FEATURES AND THE WHOLE OF THE TRAVEL INSURANCE POLICY CAREFULLY (when received). If for any reason this insurance does not meet your requirements, please return the policy to your agent within seven days of the date of issue or prior to travel (whichever is sooner). Your premium will be refunded in full provided no claim has been made or is pending.

Insures and their agents share information with each other to prevent fraudulent claims and to assess whether to offer Insurance. In dealing with your application, enquiries may be made of other Insurers and their agents. In the event of a claim, the information you supply with your application and on the claim form, together with other information relating to the claim may be made available to other Insurers and their agents.

Changes in dates could see widespread failure of computer and other systems containing computer chips, which depend on date-related information in order to work properly. Other than Medical Expenses, Hospital Benefit and Personal Accident your Policy excludes anything directly or indirectly caused by failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date.