Britam Travel Insurance

Travel Insurance

The most common risks that are covered by travel insurance plans are:

Travel Insurance is an insurance policy that provides 24 hours emergency medical assistance, personal accident cover, compensation for travel delay and loss of traveler\’s property and other travel related contingencies arising during the trip.

Important points

What is the nature of coverage:

This policy is not a general health insurance policy. Coverage is intended for use by the Insured in the event of a sudden and unexpected sickness or accident arising when the Insured is outside of his Home Country.

What do I do in the Event of a Medical Emergency?

SPECIALTY ASSISTANCE MUST be contacted immediately, in the event of an Insured dying, incurring medical expenses in excess of US$500, being involved in an accident, or being admitted to hospital. The Company will not be liable for any costs without the express prior approval of SPECIALTY ASSISTANCE.

SPECIALTY ASSISTANCE will provide a complete medical assistance service to the Insured. Operating 24 hours a day 365 days a year, SPECIALTY ASSISTANCE provides effective medical assistance for the Insured anywhere in the world and can be accessed by telephone or fax:

For assistance Worldwide, contact:

Specialty Assistance

London, UK

Tel: (24 HR) +44 (0)20 7902 7405

Fax: (24 HR) +44 (0)20 7928 4748

Email: (24 HR) assistance@specialty-group.com

For non-emergency medical and all other claims you will need to complete a claim form as soon as possible after the incident has occurred or within 31 days of your return to your home country.

The completed claim form, together with invoices, proof of ownership, travel documents and any other relevant details must be sent to Britam.

SECTION OF COVER	BENEFITS	GOLD PLAN	PREMIUM PLAN	SCHENGEN PLAN	STUDENT PLAN
MAX. SUM INSURED US$	MAX. SUM INSURED US$	MAX. SUM INSURED US$	MAX. SUM INSURED US$
A	Personal Accident – DEATH/PTD	US$27,500	US$25,000	US$10,000	US$10,000
B	Emergency Medical Expenses and Emergency Medical Evacuation	US$150,000	US$100,000	US$60,000	US$50,000
Emergency Dental Care	US$750	US$600	US$500	US$500
Repatriation of Mortal Remains	US$12,500	US$10,000	US$5000	US$5000
Hospital Benefits	US$25 per day maximum of US$250	US$10 per day maximum of US$100	NIL	NIL
C	Loss of Checked Baggage	US$1,000	US$1,000	US$1,000	US$1,000
	Delayed Baggage US$50 per each 12 hour period of delay	US$ 50 per 12 Hours but maximum of US$250	US$50 per 12 Hours but maximum of US$250	US$50 per 12 Hours but maximum of US$250	US$50 per 12 Hours but maximum of US$250
D	Personality Liability	US$250,000	US$200,000	US$200,000	US$100,000
E	Hijack US$50 per each 24 hour period of detention	US$750	US$500	US$500	US$500
F	Loss of Passport	US$500	US$500	US$500	US$500
G	Cancellation and Curtailment	US$1,500	US$1,000	US$1,000	US$500
H	Travel Delay	US$50 per 8 hrs,up to a max of US$150	US$10 per 12 up to a maximum of US$100	US$10 per 12 up to a maximum of US$100	US$10 per 12 up to a maximum of US$100
I	War & Terrorism	Included	Optional – Covered at an additional premium of 25% of the Basic premium	Optional – Covered at an additional premium of 25% of the Basic premium	Optional – Covered at an additional premium of 25% of the Basic premium
PREMIUM
PERIOD	SINGLE TRIP	INBOUND			Age 16 – 45
	Age 16 – 60	61 – 70	16 – 60	61 – 70	16 – 60	61 – 70	16 – 60	61 – 70		INCLUDING USA/CANADA	EXCLUDING USA/CANADA
Up to 7 days	38	46	31	38	25	29	27	32
Up to 8 – 10 days	66	94	53	76	38	47	39	48	Up to 90 days	257	213
Up to 11 – 15 days	94	128	76	104	53	62	50	62
Up to 16 – 21 days	124	152	100	123	67	81	61	73	91 to 180 days	334	277
Up to 22 – 31 days	180	233	146	189	81	96	73	92
Up to 32 – 62 days	204	273	165	222	100	124	93	105	Annual	488	362
Up to 63 – 93 days	320	349	260	284	N/A	N/A	166	186
Up to 94 – 185 days	408	459	331	373	N/A	N/A	271	287
ANNUAL MULTI TRIP	378	526	307	427
GROUP PLAN	US $ 4.50 Per day	US $ 3.50 Per day	US $ 3.50 Per day

Notes

• Ages calculated at the commencement of the
• Children under 16: 50% of 16 – 60 rates if travelling with an insured
• Age 71 – 74 years = 200% of 61 – 70 rates, Age 75 – 80 years = 300% of 61 – 70 rates. Rates for Age 70+ are subject to a clean medical
• Adults 70 years and over: to submit to a satisfactory medical examination prior to
• Maximum age at expiry of insurance: 80
• Pre-existing conditions not
• Annual Multi Trip Maximum any one trip not exceeding 90
• Minimum of 10 travellers with a minimum of 3 days for the group
• The benefits for Group Plan are the same as for Premium

*To Calculate Your Premium, Match the Selected Plan Against the Travel Period and age Bracket

For More information on how to sign up, contact Gallin Wekesa- Financial Advisor- Britam

0712-870-447 gallywexa@britam.com

Travel safe, Travel with Britam.