TRAVEL INSURANCE POLICY
THE INSURED having
applied to the Company for the insurance expressed herein and made a Proposal
and Declaration which shall be the basis of this contract and is deemed to be
incorporated herein and having paid or agreed to pay the Premium as consideration
for the insurance.
THE COMPANY will
subject to the terms exceptions and conditions contained herein insure in the
manner and to the extent hereinafter provided.
SECTION
A – PERSONAL LUGGAGE
If the Insured
Person’s personal luggage shall be the lost or damaged during the Period of
Insurance by any cause not hereinafter excepted the Company will by payment or
as its option by repair replacement or reinstatement provide indemnity for such
loss or damage up to the Sum Insured stated in the Schedule provided always
that no one article shall be deemed of greater value than USD. 2,000.00 Or equivalent unless separately
specified in the Schedule.
SECTION
B – PERSONAL ACCIDENT
If the Insured Person
shall during the Period of Insurance sustain bodily injury caused by violent
accidental external and visible means which results directly and independently
of any other cause in death or disablement within twelve calendar months from
the date of injury the Company will pay the relevant sum in accordance with the
following Table of Benefits
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TABLE OF BENEFITS |
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|
Description |
Insured Persons Age |
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|
16 to 60 |
Under 16 |
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|
1 |
Death |
The Capital Sum
Insured |
The Capital Sum
Insured |
|
2 |
Total Loss by
physical severance at or above wrist or ankle of one or more limbs and or the
total and irrecoverable loss of all sight in one or both eyes |
The Capital Sum
Insured |
The Capital Sum
Insured |
|
3 |
Permanent Total
Disablement from attending to any occupation whatsoever |
The Capital Sum
Insured |
The Capital Sum
Insured |
|
4 |
Total Disablement
from attending to the Insured Person’s occupation – benefit during such
disablement at the rate per week of (not exceeding 100 weeks) |
One percent of The
Capital Sum Insured |
Nil |
Provided always that
(i)
the total benefit in respect of any one
Insured Person shall not exceed the CAPITAL SUM INSURED
(ii)
if the CAPITAL SUM INSURED exceed USD. 20,000
or equivalent any amount payable under Benefit 4 shall be restricted to USD.
200 or equivalent per week
(iii)
death shall not be presumed from the
disappearance of an Insured Person
SECTION
C – MEDICAL AND OTHER EXPENSES DUE TO ACCIDENT
The Company will
provide indemnity up to the Sum Insured stated in the Schedule for the
following expenses necessarily incurred as a direct result of death bodily
injury disease or illness of the Insured Person occurring during the Period of
Insurance.
(1) Medical
Surgical and Nursing fees hospital and nursing home charges including charges
for emergency dental treatment to relieve pain or where rendered necessary by
bodily injury
(2) Additional accommodation and transport charges of the
Insured Person and of any relative or friend traveling with or to or remaining
with the Insured Person on medical advice
SECTION
D – PERSONAL LIABILITY
The Company will
provide indemnity against all sums which the Insured Person becomes legally
liable to pay as damages in respect of
(i)
accidental bodily injury (including death or
disease) to any person
(ii)
accidental loss of or damage to property
occurring during the
Period of Insurance.
The Company will also
pay legal costs and expenses recoverable by any claimant and all costs and
expenses incurred with the written consent of the Company.
The liability of the
Company for all damages payable arising out of one occurrence or series of
occurrences consequent on one original cause shall not exceed USD. 200,000 or
equivalent.
EXCEPTIONS
TO SECTION A
The Company shall not
be liable
(1) for the
first USD. 50.00 or equivalent of each claim by each Insured Person
(2) for loss of
or damage to
(a) money coins
postal or money orders promissory notes cheques securities for money stock or
share certificates stamps of any kind tickets business books documents or
papers or petrol coupons
(b) any
Personal Luggage caused by theft or any attempt thereat while such Luggage is
in or on any road vehicle except while it is contained in a securely locked
boot or contained in any road vehicle of the “estate” type which is securely
locked at all points of access to the interior
(c) contact
lenses or fragile or brittle articles (other than lenses of cameras or
binoculars or telescopes) electronic or musical apparatus unless caused by fire
or theft or accident to the means of conveyance
(3) for loss or
damage directly or indirectly caused by or resulting from
(a) any process
of cleaning dyeing restoring altering or repairing wear and tear depreciation
moth vermin or insect atmospheric or climatic conditions
(b) delay
confiscation or detention by Customs or other Officials or Authorities
(c)
(i) ionizing
radiations or contamination by radioactivity from any nuclear fuel or from any
nuclear waste from the combustion of nuclear fuel Solely for the purpose of
this Exception combustion shall include any self-sustaining process of nuclear
fission
(ii)
nuclear weapons material
(4) for loss of
or damage directly occasioned by
pressure waves caused by aircraft and other aerial devices traveling at sonic
or supersonic speeds
EXCEPTIONS
TO SECTIONS B AND C
The Company shall not
be liable in respect of
1. death
bodily injury or illness of an Insured Person
(a) who has
attained the age of 60 years at the time of making a Proposal for this
Insurance
(b) sustained
while suffering from the effect or influence (temporary or otherwise) of
alcohol or drugs not prescribed by a qualified medical or dental practitioner
venereal disease or insanity
(c) consequent
upon
i pregnancy
or childbirth or an Insured Person committing an unlawful act or willfully exposing
himself to danger (other than in an attempt to save human life) or intentional
self injury
ii engaging in
winter or professional sports rock climbing or mountaineering which requires
the use of ropes or guides pot-holing parachuting association football rugby
football ice hockey polo riding a motor cycle motor scooter or mechanically
assisted pedal cycle (whether as driver or passenger) steeple chasing big game
hunting or hunting other than on foot or racing other than on foot or the use
of underwater breathing apparatus
iii flying
other than as a passenger by recognized Air Lines on a regular Scheduled
Service over established air routes or in any fully licensed standard type
multi-engine aircraft operated by a recognized Air Charter Company
(d) resulting
directly or indirectly from any illness disease infirmity physical defect or
condition which existed at the time of the Insured making a Proposal for this
Insurance
2. the first
USD. 10 or equivalent of each claim by each Insured Person (not applicable to
Section B)
EXCEPTIONS
TO SECTION D
The Company
shall not provide indemnity for
(1) liability
in respect of
(a) bodily
injury to (i) the Insured Person or (ii) his employee arising out of and in the
course of his employment by the Insured Person
(b) loss of
damage to property belonging to or in the custody or control of the Insured
Person
(2) liability
arising from
(a) the pursuit
of any trade business or profession
(b) the
ownership occupation or use of any land or building (other than the temporary
occupation or use of any residence)
(c) the
ownership possession or use (other than use as a passenger having no right of
control) of mechanically propelled vehicles aircraft or watercraft (other than
non-power driven craft used on inland waterways).
(3) liability
directly or indirectly caused by or arising from or in consequence of or
contributed to by
(a) ionizing
radiations or contamination by radioactivity from any nuclear fuel or from any
nuclear waste from the combustion of nuclear fuel Solely for the purpose of
this Exception combustion shall include any self-sustaining process of nuclear
fission
(b) nuclear
weapons material
GENERAL
EXCEPTION TO ALL SECTIONS
The company shall not
be liable for any consequences of war invasion act of foreign enemy hostilities
(whether war be declared or not) civil war mutiny rebellion revolution
insurrection military or usurped power riot or civil commotion. In any claim or
in any suit or other proceedings where the Company alleges that by reason of
this Exception any loss is not covered by this Policy the burden of proving
that such loss is covered shall be upon the Insured.
CONDITIONS
(1) All
ordinary and reasonable precautions shall be taken to avoid injury loss or
damage
(2) On the
happening of any event which may give rise to a claim under this Policy the
Insured shall
(a) give
immediate notice to the Company and if property is lost or theft is suspected
the police or equivalent authority must be informed and all practical steps
taken to recover the property
(b) submit full
particulars of the claim in writing within 30 days of the event
(c) supply at
his own expense all reports certificate information and assistance reasonably
required
(d) not abandon
any property to the Company
(3) Except for
claims under Section B the Company may at its own expense and for its own
benefit take proceedings in the name of the Insured to recover compensation or
secure an indemnity from any Third Party in respect of any compensation damage
or expense covered by this Policy. The Insured shall give to the Company all
information and assistance in connection with the claim and any proceedings as
the Company may require
(4) In the
event of loss or damage to any article insured by Section A forming part of a
pair or set the liability of the Company shall not exceed a proportionate part
of the Sum Insured on the pair or set
(5) Except for
claims under Section B if any loss damage or expense is the subject of any
other insurance the Company shall not be liable to pay except in respect of the
excess beyond the amount which would have been payable under such other
insurance had this policy not existed
(6) All
differences arising out of this Policy shall be referred to the arbitration of
some person to be appointed by both parties or if they cannot agree upon a
single arbitrator to the decision of two arbitrators one to be appointed in
writing by each party and in case of disagreement between the arbitrators to
the decision of an umpire who shall have been appointed in writing by the
arbitrators before entering on the reference and an award shall be a condition
precedent to any liability of the Company or any right of action against the
Company
(7) All payment
under this Policy shall be made only to the Insured for his own benefit or as
agent for the Insured Person(s) and the receipt of the Insured shall discharge
the Company.
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