attending
medical practitioner
or if
you
are a child
and require an escort
home
;
4. in the event of death, reasonable cost for the
conveyance of the body or ashes to
your Country of
Residence
(the cost of burial or cremation is not
included), or local funeral expenses abroad limited to
£1,000
/!
1,200.
B. Within
your Country of Residence
:
1. reasonable and necessary expenses incurred in
respect of
your
travel
home
(Economy Class), or
additional accommodation (room only) for
you
and
one relative or friend should
you
suffer accidental
bodily injury, illness or death whist on a trip within
your Country of Residence
limited to the amount
stated on the summary of cover.
Not covered
1. the policy excess shown on the Summary of Cover.
This applies to each person making a claim;
2. any sums which can be recovered from another
source or which are covered under any National
Insurance scheme or reciprocal health arrangement;
3. any expenses or fees, for in-patient treatment or
returning
home
early, which have not been reported
to and authorised by the Emergency Medical
Assistance Service;
4. any expenses incurred for illness, injury or treatment
required as a consequence of:
a) Surgery or medical treatment which in the opinion
of the attending
medical practitioner
and the
Emergency Medical Assistance Service can be
reasonably delayed until
your
return to
your
Country of Residence
.
b) Medication and or treatment which at the time of
departure is known to be required or to be
continued during
your
trip;
5. if the Health Warranty is not complied with and
you
do not have an appropriate endorsement from the
Medical Screening Service (see Health Warranty);
6. the cost of any routine or elective (non-emergency)
treatment or surgery, including specialist review or
referral, exploratory tests, treatment or surgery
which are not directly related to the injury, which
necessitated
your
admittance to hospital;
7. claims that are not confirmed as medically
necessary by the attending
medical practitioner
or
the Emergency Medical Assistance Service;
8. any additional hospital costs arising from single or
private room accommodation unless medically
necessary;
9. treatment or services provided by a health spa,
convalescent or nursing
home
or any rehabilitation
centre;
10. any costs incurred within the
United Kingdom
or
your Country of Residence
other than under B
above;
11. further costs
you
incur if
we
wish to bring
you
home
early but
you
refuse (where in the opinion of
the treating
medical practitioner
and the Emergency
Assistance Service
you
are fit to travel);
12. anything mentioned in the General Exclusions.
SECTION 4 ADDITIONAL HOSPITAL BENEFIT
This section does not apply to trips within the
United
Kingdom
or
your country of residence
.
This benefit is payable only if the hospital admission has
been covered under the terms of the Emergency Medical
Expenses section. The benefit payment is intended to
contribute towards miscellaneous expenses that may be
incurred whilst
you
are an in-patient (e.g. taxi fares and
telephone calls). This policy does not provide
compensation for loss of holiday/enjoyment.
Covered
You
are covered up to the limit as shown on the
Summary of Cover for:
1. payment of the amount shown for each complete 24
hours
you
spend in hospital, as a result of
you
being
admitted as an in-patient to a registered hospital.
This is in addition to any medical expenses incurred
under Emergency Medical Expenses section.
Conditions
1. In the event of a claim
you
must provide
documentation confirming the date and time of
admission and discharge.
Not Covered
1. anything mentioned in the General Exclusions.
SECTION 5 PERSONAL ACCIDENT
Covered
You
are covered up to the limit as shown on the
Summary of Cover in respect of
loss of limb, loss of
sight, permanent total disablement
or for death (which
will be paid to
your
legal representative), if
you
have a
personal accident
during
your
trip which, up to 12
months from the date of the accident, is the sole cause
of
your
consequent death or disability.
We
will only pay the benefit for
permanent total
disablement
if
your medical practitioner
or specialist
confirms that
you
cannot do any paid work for 12
months after the date of the accident and there is little or
no hope of improvement.
You
must accept and agree to
examination by
our
doctor or specialist should
we
consider it necessary to validate the claim.
Not covered
1. any claims for death, loss or disablement caused
directly or indirectly by:
a) Disease or any physical defect or illness
b) An injury which existed prior to the beginning of
the trip;
2. anything mentioned in the General Exclusions.
NOTE: If
you
are travelling to a country in the EU,
you
will need a European Health Insurance Card (EHIC) to
receive healthcare, Apply by calling 0845 606 2030 or
online at
. Application forms are also
available at the post office. If
you
are travelling to
Australia and require medical treatment,
you
must enroll
with Medicare. For more information on Medicare visit
10
NOTE: If
you
are aged under 16 years or 76 and over at
the time of the accident, the death benefit will be
limited to funeral and other reasonable costs up to
£3000/
!
2,500
(Gold cover) or £1500/
!
1,250
(Silver
cover)
