INTRODUCTION

Don’t leave home without our Travel Protector This insurance provides you and/or your family cover against personal accident, medical and related expenses and other travel related losses, interruption or accidents. With this, it will give you peace of mind during your journey so you will be able to enjoy your holiday without any worries The policy provides:- • Protection during the duration of travel • Reimbursement for medical costs • Personal accident protection • Other covers such as baggage loss, damage or delay and many more • Single Journey plan – 185 days per Trip • Annual Cover plan – 90 days per Trip for an unlimited number of trips during the policy period   NOTE: Please note that any claims(s) arising from any event(s) including riot, strike, civil commotion, health threatening situations, natural disasters that were publicized by the mass media or through travel advisory issued by any authorities will not be covered unless the travel insurance was applied prior to such date of publication or advisory. The above is intended as a general summary only. The specific terms, coverage, exclusions and conditions applicable to this insurance are described in the policy.

PRINCIPAL EXCLUSIONS

• Delay, confiscation, detention, requisition, damage, destruction or any prohibitive regulations by Customs or other government Officials or Authorities of any country
• Hazardous Adventure
• HIV (Human Immunodeficiency Virus) and/or any HIV-related illness including AIDS (Acquired Immune Deficiency Syndrome) however caused and/or any mutant derivations, variations or treatment thereof however caused
• Pre-existing medical conditions
• If you are travelling contrary to the advice of a medical practitioner or for the purpose of obtaining medical treatment
• Pregnancy, childbirth, abortion or miscarriage
• Riot or civil commotion, lockout or threat of such event
• Mysterious disappearances
• Unexplained losses
• War, invasion, acts of foreign enemies, hostilities (whether war be declared or not)
• Nuclear/chemical/biological & terrorism

NOTE: The above is intended as a general summary only. The specific terms, coverage, exclusions and conditions applicable to this insurance are described in the policy.

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