General Terms and Conditions: Travel Insurance Policy

1. General Overview

This travel insurance policy is designed to provide comprehensive coverage for unexpected events during your trip, including medical emergencies and fraud protection. By purchasing this policy, you agree to the following terms and conditions.

2. Medical Emergency Coverage

• Scope of Coverage: This policy covers emergency medical expenses incurred as a result of accidents or sudden illness during your trip.
• Included Services:
  • Hospitalization and medical treatments.
  • Emergency medical evacuation if necessary and recommended by medical professionals.
  • Repatriation of the insured to their home country if medical conditions require it.
  • Coverage for emergency dental treatment, up to the limit specified in the policy.
• Exclusions:
  • Pre-existing medical conditions unless otherwise specified.
  • Non-emergency treatments or elective surgeries.
  • Injuries caused by reckless behavior, including but not limited to drug or alcohol use.
  • Medical expenses incurred after the insured returns to their home country.

3. Fraud Protection Coverage

• Scope of Coverage: This policy provides protection against financial losses caused by fraudulent transactions or scams experienced during the insured’s trip.
• Included Protection:
  • Compensation for unauthorized charges made on credit or debit cards while traveling.
  • Coverage for losses due to scams related to accommodations, transportation, or activities booked during the trip.
  • Legal assistance in cases of fraud-related disputes, as specified in the policy.
• Exclusions:
  • Fraudulent activities or negligence caused by the insured.
  • Losses not reported to the insurance provider or local authorities within the stipulated time frame.
  • Fraudulent transactions made on accounts not disclosed to the insurance provider prior to the trip.

4. Claims Process

• Reporting Requirements:
  • All claims must be reported to the insurance provider within 30 days of the incident.
  • For medical emergencies, a copy of medical records, receipts, and treatment details must be submitted.
  • For fraud-related claims, documentation such as proof of unauthorized transactions, police reports, and communication with the service provider is required.
• Claim Investigation: The insurance provider reserves the right to investigate any claim and may request additional documentation or interviews with the insured before processing the claim.
• Payout Terms: Approved claims will be paid out within 60 days of submission of all required documents. Compensation will be made according to the policy limits and exclusions outlined.

5. Policy Duration

This policy is valid for the duration specified in the insurance certificate. Coverage begins once the insured leaves their home country and ends when they return, unless otherwise stated.

6. Cancellation and Refunds

• Policy Cancellation: The insured can cancel the policy within 14 days of purchase if no claims have been made and the trip has not yet commenced. After this period, no refunds will be issued.
• Insurance Provider’s Right to Cancel: The insurance provider reserves the right to cancel the policy if it is determined that the insured has provided false or misleading information.

7. Governing Law

This policy shall be governed by and construed in accordance with the laws of the jurisdiction where the insurance provider is registered. Any disputes arising from this policy will be subject to the exclusive jurisdiction of the courts in that jurisdiction.