WHO IS COVERED
The persons insured as named on the Certificate of
Insurance.
Cover is only available to people resident in the
United
Kingdom
,
European Union
, the Channel Islands or the
Isle of Man.
Cover is only valid for trips starting and returning to
your
home
in
your Country of Residence
.
You
must have a
permanent residential address in and unrestricted right of
entry to the
United Kingdom
,
European Union
, the
Channel Islands or the Isle of Man.
WHAT IS COVERED
You
are covered for:
1. holidays and leisure trips.
2. A trip that takes place during the period of insurance
which begins when
you
leave
home
and ends when
you
get back to
your home
or to a hospital or nursing
home in
your Country of Residence
, whichever is
earlier.
For Single trip Gold and Silver cover
You
will only be covered if
you
are aged 74 and under
the date
your
policy was issued.
Any other trip which begins after
you
get back is not
covered.
A trip which is booked to last longer than 100 days is not
covered.
For Six month multi-trip Gold cover
You
will only be covered if
you
are aged 75-84 inclusive
at the start date of
your
policy.
A trip which is booked to last longer than 21 days is not
covered.
Cover is available for travel to
Areas 1 and 2
only
Trips within
your country of residence
must be at least
2 nights and have:
i) pre booked transport or accommodation or
ii) be more than 25 miles from
your home
(unless it
involves a sea crossing).
For Annual multi-trip Gold cover
You
will only be covered if
you
are aged 74 and under at
the start date of
your
policy.
Any trip which is booked to last longer than 62 days is
not covered.
Cover is available for travel to
Areas 1, 2 and 3
Trips within
your country of residence
must be at least
2 nights and have:
i) pre booked transport or accommodation or
ii) be more than 25 miles from
your home
(unless it
involves a sea crossing).
You
will be covered for taking part in winter sports
activities for up to 21 days in total during the period of
insurance when the appropriate premium has been paid.
For Annual multi-trip Silver cover
You
will only be covered if
you
are aged 74 and under at
the start date of
your
policy.
A trip which is booked to last longer than 31 days is not
covered.
Persons aged 74 and under are covered to travel to
Areas 1, 2 and 3
Trips within
your country of residence
must be at least
2 nights and have:
i) pre booked transport or accommodation or
ii) be more than 25 miles from
your home
(unless it
involves a sea crossing).
You
will be covered for taking part in winter sports
activities for up to 10 days in total during the period of
insurance when the appropriate premium has been paid
(cover for persons aged 74 and under only)
3. trips within the Geographic Region as shown on
your
schedule.
You
must observe travel advice provided by
the Foreign and Commonwealth Office (FCO). No
cover is provided under any section of this policy in
respect of travel to a destination to which the FCO has
advised against all but essential travel. Travel Advice
can be obtained from the FCO. Telephone: +44 (0)
845 850 2829 Website
4. trips within the
United Kingdom
or
your Country of
Residence
if it is pre-booked in paid accommodation
and for 2 nights or more. (Restrictions apply to
medical expenses cover. See section for details).
5. participating in sports and activities under level 1 as
detailed in Section 15.
6. participating in sports and activities under Level 2 as
detailed in Section 15 if shown on the Summary of
Cover and on
your
Certificate of Insurance.
You
are
not covered for
Hazardous Activities
, other than as
specified in Section 15, unless
we
agree to include
and
you
have paid the appropriate premium required.
7. reasonable activities
you
partake in on an unplanned
and incidental basis provided that
you
are
- supervised by a qualified instructor, or
- hold the appropriate qualification or licence, or
- have subscribed to an accredited organisation for
the activity
- and that
you
act in a reasonable way and use all
recommended equipment and protective clothing
that is necessary.
LIMITS OF COVER AND EXCESSES
The limits of cover under each section are shown on the
Summary of Cover and apply to each insured person.
This policy has an excess as shown on the Summary of
Cover which will be deducted in the event of a claim
under certain sections. The excess is applicable per
person, per policy section to a maximum of two
excesses per insured incident.
WHEN COVER STARTS AND ENDS
If
you
have Annual Multi-trip cover Cancellation cover
starts from the time of booking a trip providing it is
within the period of cover as shown on
your
schedule
and ends when
you
leave
your home
to commence the
trip.
IMPORTANT INFORMATION
Thank
you
for taking out ALC Health Prima Travel Plan
with
us
.
It is very important that
you
carefully read the terms and
conditions and exclusions of this insurance to ensure that
you
are properly covered for
your
planned trip.
You
will not be covered if
you
travel outside the area
you
have chosen as shown on
your
Certificate of Insurance.
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