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Frequently
Asked Questions
1. Does the program cover
 : the
sports or other special activities you are going to engage in?
 :  
: pregnancy
complications, premature and surgical deliveries, miscarriage; if yes, up to how many
weeks of pregnancy?
:
: emergency
medical evacuation?
:
: dental
treatment?
:
: venereal disease, AIDS
or AIDS related complex?
:
: loss or injuries due to
war-risk, act of terrorism, hijacking and natural disasters?
:
: loss due to default or
bankruptcy of travel suppliers?
:
: legal costs and under
what conditions?
:
: follow up medical
treatment incurred after returning home?
:
: travel delay due to
weather, industrial action, mechanical derangement of the transportation vechicles of your
journey?
:
: cancellation charges /
curtailment expenses due to injury or sickness of your travelling companion though he /
she is not your family member or busienss partner?
:
: children travel alone?
:
: injury or losses happen
when you are hitchhiking or backpacking?
:
: cancellation /
curtailment due to outbreak of strike, riot or civil commotion at the planned destination
or places en-route?
:
: cancellation /
curtailment due to any natural disaster happen to the insured person's residence before or
during your journey which requires your presence on the premises?
:
: breakage or damage to
fragile articles or documents in your luggage?
:
: loss of travel
documents, and / or travel tickets and additional travel & accommodation expenses
incurred to replace them?
:
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2. Does the program
: apply to one way travel,
if yes, up to how many days after arrival at final destination?
:
: apply any excess on all
or any item?
:
: provide 24 hours
worldwide assistance and to what extent?
:
: apply any deduction of
benefit to insurants of a certain age group?
:
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3. : Who can buy? Does the insured person
has to be a resident or he/she has to commence his journey from the city/country of the
insurer?
:
4.
: Are there any family plan available? If there is one, the maximum benefits and premium
amount is apply to each individual in the family plan or for the family as a group?
:
5.
: Any daily limit imposed to the medical expenses?
:
6.
: Any special program available to cover cancellation loss of expensive journey or cruise
holidays?
:
7.
: Who will be the beneficiary in the case of death of the insured person?
:
8.
: Any direct billing to the insurer allowed and under what conditions?
:
9.
: Do you have to bring your insurance with you along your journey?
:
10.
: Does the program allow change of itinerary after insurance commenced?
:
11.
: Can you extend the period of cover after the insurance has commenced?
:
12.
: Claim procedures, is there any time limit imposed to notice of claims?
:
13.
: Is it necessary to report every monetary or document loss to local police? What happen
if you don't have time to do so?
:
14. : Does the
program cover the losses of the prepaid accommodation arising from flight delay?
:
15. : Will the policy cover losses caused by the Year 2000 (Y2K)
Problem?
:
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