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American

Home Assurance Company (Dubai Branch)

The H Hotel - Complex, Trade Center First, 27th Floor, PO Box 40569, Dubai, U.A.E.

Tel: +971 4 509 6111 | Fax: +971 4 601 4000 |URL: www.aig.ae

Introduction

I. Introductory Clauses

1.1 Period of Coverage

This Policy’s coverage will commence on the Start Date of Cover appearing on the Policy

Schedule.

This Policy will provide cover for Insured Journeys that are:

A. Booked after; or

B. Commenced after; the Start Date of Cover appearing on the Policy Schedule until the

earlier of the date the Insured Person returns from his Insured Journey or the expiration

date shown on the Policy Schedule.

This Policy will run until cancelation or the expiration date shown on the Policy Schedule, or if

earlier the date the Insured Person returns from his Insured Journey.

For annual multi-trip plan, cover will terminate on the Insured Person’s return to the Point of

Departure and recommence on his next Insured Journey.

The maximum period for any Insured Journey is restricted to 90 days for single trip policies and

annual multi-trip plan. This Policy cannot be cancelled following the Start Date of Cover.

1.2 Premium Payments

The Insured Person is liable for the Premium; the Premium is payable in advance and the

Company shall not be liable for any claim arising under this Policy that occurs prior to receipt

of the premium. The Company shall not be obliged to accept premium tendered to it or to any

intermediary after such date, but may do so upon such terms as it in its sole discretion may

determine. The Company reserves the right to ask for proof of payment of premium at any

time. Such proof must be to the Company’s satisfaction.

1.3 Maximum Amount Payable

A. No Insured Person shall be entitled to recover a benefit exceeding 100% of the sum for an

Insured Event as reflected in the Table of Benefits.

B. If two or more travel policies issued by the Company or any other member company of

AIG apply to the same claim, the maximum amount payable by AIG member companies

under all such policies shall not exceed the limit of liability of whichever of such policies

has the highest applicable limit of liability. Nothing contained herein shall be construed to

increase the limit of liability of this Policy.

1.4 Cancellation

The Company may cancel the Policy at any time by written notice delivered to the Insured

Person or mailed to the last address as shown by the records of the Company stating when not

less than seven (7) days thereafter such cancellation shall be effective. Such cancellation shall

be without prejudice to any valid claim-originating prior thereto.

In the event the individual insurance offered to an Insured Person under the Policy for which

the Premium has been paid in advance is cancelled by written notice delivered to the

Company and by returning the original copy of the Policy (if applicable) prior to the Insured

Journey commencements, 85% of the Premium shall be refunded.

In the event of termination of coverage of the Insured Person, Spouse and/or Child due to

payment of the Principal Sum, the Company will not refund any Premium.

Introduction

1.5 Termination

This Policy will terminate on the earliest of the following dates:

A. The date of the Insured Person’s return to the Point of Departure in his Country of

Residence. For Annual Multi Trip Plan, cover will terminate on the Insured Person’s return

to the Point of Departure and recommence on his next Insured Journey; or

B. The date that the Insured Person reaches the maximum age for the cover selected.

C. The expiry date appearing on the Policy Schedule.

D. The date the Premium is due and not paid.

E. The date the Insured person is no longer eligible within the classification of Insured

Persons.

F. The date the benefits are paid to the extent of the Sum Insured in respect of any Insured.

Coverage

II. Coverage provided under this policy

2.1 Insured Person’s Policy

The Policy Schedule refers to the persons insured under this Policy by reference to the "Plan

Selected". The Plans names are as follows:

1. Platinum

2. Gold

3. Silver

2.2 PLATINUM PLAN

Scope/Territory: 24 Hours / While on travel outside Country of Residence (Excluding

Afghanistan, Iraq, Cuba and Democratic Republic of Congo)

Table of Benefits

Insured Eve

Sum Insured

Section 1

Personal Accident Benefits

Principal Sum Insured: $150,000

Accidental Death

100% of the Principal Sum Insured

Permanent Partial Disability

% of the Principal Sum Insured as per scale.

Permanent Total Disability

100% of the P

rincipal Sum Insured

Section 2

Medical and Related Benefits

Emergency Medical Expenses (Accident

& Sickness)

Deductible

$500,000

$100

Dental Expenses

Per Tooth

Included in Emergency Medical Expenses and

up to a maximum of $1,000

$200

Emergency Medi

cal Evacuation

Included in Emergency Medical Expenses

Repatriation of Remains

$10,000

Section 3

Travel Inconvenience Benefits

Baggage / Personal Effects

Per Bag

Per Item

$2,500

$1,250

$125

Personal Money

Deductible

Included under Baggage / Personal

Effects and

up to $1,000

5% of claimed amount

Baggage Delay

Excess

$50 per hour up to $1,000

4 Hours

Travel Delay

Excess

$50 per hour up to $1,000

4 Hours

Personal Liability

$1,000,000

Hijacking

$250 per hours up to $10,000

Emergency Family Travel

$2,

500

Legal Fees

$5,000

Bail Bond

$10,000

Loss of Passport

$500

Trip Cancellation or Curtailment

$5,000

Missed Departure

$1,000

Assistance Department

Covered

Coverage

Family includes Insured Person, Spouse and unlimited number of Children.

Children are charged only 50% of the premium charged for adults.

Children are covered for 10% of the Insured Person Sum Insured and up to a maximum of

$10,000 under Accidental Death.

Section 4

Secure Wallet (Children Excluded)

Credit Card Fraud

Papers (excluding Passport)

Keys

Mugging

$1,000

$100

Section 5

Additional Optional Coverage:

Hazardous Sports Benefits

Terrorism Extension

Amount noted for the applicable cover under

above Section 1 and Section 2 and 4.5.1

HAZARDOUS SPORTS BENEFITS

Amount noted for the applicable cover under

above Section 1 and Section 2 or $100,000

whichever is less

Coverage

2.3 GOLD PLAN

Scope/Territory: 24 Hours / While on travel outside Country of Residence (Excluding

Afghanistan, Iraq, Cuba and Democratic Republic of Congo)

Table of Benefits

Insured Event

Sum Insured

Section 1

Personal Accident Benefits

Principal Sum Insured $25,000

Accidental Death

100% of the Principal Sum Insured

Permanent Partial Disability

% of the Principal Sum Insured as per scale.

Permane

nt Total Disability

100% of the Principal Sum Insured

Section 2

Medical and Related Benefits

Emergency Medical Expenses (Accident

& Sickness)

Deductible

$100,000

$100

Dental Expenses

Per Tooth

Included in Emergency Medical Expenses and

up to a maximum of $1,000

$200

Emergency Medical Evacuation

Included in Emergency Medical Expenses

Repatriation of Remains

$7,000

Section 3

Travel Inconvenience Benefits

Baggage / Personal Effects

Per Bag

Per Item

$1,000

$500

$50

Personal Money

Deductible

Include

d under Baggage / Personal Effects and

up to $500

5% of claimed amount

Baggage Delay

Excess

$50 per hour up to $500

4 Hours

Travel Delay

Excess

$50 per hour up to $500

4 Hours

Personal Liability

$500,000

Loss of Passport

$300

Trip Cancellation or Curt

ailment

$2,500

Assistance Department

Covered

Section 4

Secure Wallet (Children Excluded)

Credit Card Fraud

$500

Section 5

Additional Optional Coverage

Hazardous Sports Benefits

Terrorism Extension

Amount noted for the applicable cover under

above Section 1 and Section 2 and 4.5.1

HAZARDOUS SPORTS BENEFITS

Amount noted for the applicable cover under

above Section 1 and Section 2 or $100,000

whichever is less

Family includes Insured Person, Spouse and unlimited number of Children.

Children are charged only 50% of the premium charged for adults.

Children are covered for 10% of the Insured Person Sum Insured and up to a maximum of

$10,000 under Accidental Death.

Coverage

2.4 SILVER PLAN

Scope/Territory: 24 Hours / While on travel outside Country of Residence (Excluding

Afghanistan, Iraq, Cuba and Democratic Republic of Congo)

Table of Benefits

Insured Event

Sum Insured

Section 1

Personal Accident Benefits

Principal Sum Insured $25,000

Accidental Death (Common Carrier Only)

100% of the Principal Sum

Insured

Section 2

Medical and Related Benefits

Emergency Medical Expenses (Accident

& Sickness)

Deductible

$50,000

$100

Dental Expenses

Per Tooth

Included in Emergency Medical Expenses and

up to a maximum of $1,000

$200

Emergency Medical Evacuation

Included in Emergency Medical Expenses

Repatriation of Remains

$5,000

Section 3

Travel Inconvenience Benefits

Assistance Department

Covered

Section 4

Additional Optional Coverage:

Hazardous Sports Benefits

Elder Extension up to 75 years

Amoun

t noted for the applicable cover under

above Section 1 and Section 2 and 4.5.1

HAZARDOUS SPORTS BENEFITS

Amount noted for the applicable cover above

Family includes Insured Person, Spouse and unlimited number of Children.

Children are charged only 50% of the premium charged for adults.

Children are covered for 10% of the Insured Person Sum Insured and up to a maximum of

$10,000 under Accidental Death.

Definitions

III. Definitions

In this Policy the following definitions apply:

Accident means a sudden unexpected and specific event caused solely and directly by violent,

external and visible means which occurs at an identifiable time and place, resulting in Injury.

Accidental Death means a sudden, unexpected and specific event caused solely and directly by

violent, external and visible means which occurs at an identifiable time and place, resulting in death.

Aids mean an opportunistic infection or a malignant neoplasm. For the purpose of this definition,

the term "Acquired Immune Deficiency Syndrome" shall have the meaning assigned to it by the

World Health Organization “Acquired Immune Deficiency Syndrome” shall include H.I.V. (Human

Immune Deficiency Virus), encephala (dementia) or H.I.V. wasting syndrome.

Beneficiary means the person or persons nominated by the Insured Person as stated on the Policy

Schedule, if not mentioned then the Beneficiary will be the legal heirs of the Insured Person. If

Family Plan is selected then the beneficiary in case of death of the spouse or the child is the Insured

Person.

Children means the Insured Person’s dependent children who are not in full-time employment and

who are between the ages of 3 months and 18 years (or under the age of 23 years provided they are

in full-time education), unmarried, not pregnant, without children and primarily dependent on the

Insured Person for support.

Common Carrier means any land, water or air conveyance operated under a valid license for the

transportation of passengers for hire.

Contact Sport means any sport in which physical contact between players is an accepted part of

play.

Country of Residence means the country of which the Insured Person is currently residing and holds

a valid residency visa or is born there.

Day means a period of 24 consecutive hours including the day of admission but excluding the day of

discharge.

Effective Date of Coverage means the Start Date of Cover as shown on the Policy Schedule. Cover

cannot start after an Insured Journey has begun.

Emergency Evacuation means: (a) the Insured Person medical condition warrants immediate

transportation from the place where he is injured or sick to the nearest Hospital where appropriate

medical treatment can be obtained; (b) after being treated at a local Hospital, his medical condition

warrants transportation to the country where the trip commenced to obtain further medical

treatment or to recover; or (c) both (a) and (b) above.

Excess or Deductible means the first amount, or period, of each and every loss payable by the

Insured Person.

Definitions

Hazardous Sports means skiing, land-skiing, mono-skiing, cross-country skiing, heli-skiing, off-piste

skiing (only when accompanied by an official guide), ice skating (no speed skating), snowboarding,

ski boarding, sledging, tobogganing, fishing, sail boarding, sailing, surfing, water skiing, wind surfing.

Hospital means a place that: (a) holds a valid license (if required by law); (b) operates primarily for

the care and treatment of sick or injured persons; (c) has a staff of one or more physicians available

at all times; (d) provides 24-hour nursing service and has at least one registered professional nurse

on duty at all times; (e) has organized diagnostic and surgical facilities, either on premises or in

facilities available to the hospital on a pre-arranged basis; and (f) is not, except incidentally, a clinic,

nursing home, rest home, or convalescent home for the aged, or a facility operated as a drug and/or

alcohol treatment center.

Illness or Sickness means any fortuitous sickness or disease contracted, commencing or first

manifesting itself during an Insured Journey.

Injury means bodily injury caused solely and directly by violent, accidental, external and visible

means occurring during the Insured Period.

Insured Card means all Credit Cards held by the Insured Person (s) but not by those under 18 years

of age.

Insured Event means an event stated in the purchased plan’s Table of Benefits in Section III.

Insured Journey means a journey commencing at the time when the Insured Person leaves his home

address in his Country of Residence to travel outside the territorial limits of the Country of Residence

in a direct, uninterrupted manner, including the return journey to his home address in his Country of

Residence. The Insured Journey should start and end in the Insured Person’s Country of Residence

and within the time frame of the period of coverage.

Insured Person means the person whose name appears on the Policy, aged between 3 months and

70 years with an optional extension to 75 years under “Silver Plan” only, and with respect to whom

premium has been paid and who is a permanent resident of the Country of Policy Issuance.

For Family Plan Insured Person will mean the person whose name appear on the Policy Schedule as

an Insured Person, his/her spouse, and his/her children also whose names appears on the Policy and

with respect to whom Premium has been paid and who are permanent residents of the country of

policy issuance.

Insurer means the entity underwriting this Policy, American Home Assurance Company (Dubai

Branch).

Loss means the act or instance of losing and / or the disappearance of something cherished and / or

a measurable reduction in some substance or process.

Manual Labor means physical labor involving the use of hands or the use or operation of mechanical

or non-mechanical machinery or equipment.

Medical Expenses means all Reasonable and Customary Charges for Illness or Injury on an Insured

Journey resulting in hospitalization, surgical or other diagnostic or remedial treatment given or

prescribed by a Medical Practitioner.

Definitions

Medical Practitioner means a person registered with a current, legal license to practice medicine,

but excludes an Insured Person or Insured Person’s Relative.

Medical Treatment means a Medical Practitioner's medical advice, treatment, consultations and

prescribed or repeat maintenance medication.

Period of Coverage: means the period chosen by the Insured Person as per the Policy Schedule, for

which premium has been paid, starting on the Start Date of Cover as shown on the Policy Schedule

and expiring at the end of the chosen period.

Permanent Total Disablement means total and absolute disablement which entirely prevents the

Insured Person from engaging in or giving attention to any occupation and which will in all

probability be lasting and continuous for his lifetime.

Personal Effects means spectacles, dentures, purses, wallets, cosmetics, mobile phone and other

personal effects normally worn or carried on the person.

Physician means a legally licensed practitioner acting within the scope of his license practicing

medicine, and concerned with maintaining or restoring human health through the study, diagnosis,

and treatment of disease and injury. The attending Physician may not be:

(a) the Insured Person; nor

(b) the Insured Person’s Relative.

Point of Departure means the point from which an Insured Person commences an Insured Journey,

from within the territorial limits of his Country of Residence.

Policy means this document and Policy Schedule.

Policy Schedule or Policy Confirmation means the document which gives details such as, but not

limited to, benefits, Premiums, conditions, limits and cover the Insured Person has.

Pre-Existing Medical Conditions a condition for which medical care, treatment, or advice was

recommended by or received from a Physician within a two year period preceding the Effective Date

of Coverage, or a condition for which hospitalization or surgery was required within a five year

period preceding the Effective Date of Coverage.

Professional Player means an Insured Person who earns in excess of 50% of his income from playing

sport or who participates in a sport that remunerates him as a means of livelihood.

Public Conveyance means any scheduled or chartered conveyance legally licensed to carry

passengers for hire operating commercially in accordance with all locally applicable laws and

regulations and in which the Insured Person is traveling only as a fare-paying passenger, including

taxis and hired motor vehicles but excluding minibuses, non-standard motor vehicles and non-

pressurized single engine piston aircraft.

Reasonable and Customary Charges means the charges which: (a) are medically required for the

treatment, supplies or medical service to treat an Insured Person's condition; (b) do not exceed the

usual level of charges for similar treatment, supplies or medical services in the locality where the

expenses are incurred, and (c) do not exceed the charges for treatment that would have been made

if no insurance existed.

Related Expenses means additional accommodation and traveling expenses, excluding telephone

Definitions

costs, meals and beverages of necessity incurred by any one person, who on the advice of a Medical

Practitioner appointed by the Company remains with or escorts the Insured Person until completion

of his Insured Journey or until he resumes the Insured Journey or returns to the Point of Departure,

whichever occurs first.

Relative means a Spouse, parent, parent-in-law, grandparent, step-parent, Children, grandchild,

brother, brother-in-law, sister, sister-in-law, daughter-in-law, son-in-law, fiancée, fiancé, half-

brother, half-sister, aunt, uncle, niece or nephew of the Insured Person.

Sum Insured means the maximum amount afforded to each benefit according to the Table of

Benefits.

Ski equipment means skis, poles, boots and bindings, snow boards or ice skates.

Spouse wherever used in the policy shall mean the Insured Person’s legally married husband or wife

between the ages of 18 years and 70 years with an optional extension to 75 years under “Silver Plan”

only.

Table of Benefits means the benefits included in the “Plan Selected” as defined in the Travel

Insurance Certificate.

Terrorist Act means any actual or threatened use of force or violence directed at or causing damage,

Injury, harm or disruption, or commission of an act dangerous to human life or property, against any

individual, property or government, with the stated or unstated objective of pursuing economic,

ethnic, nationalistic, political, racial or religious interests, whether such interests are declared or not.

Robberies or other criminal acts, primarily committed for personal gain and acts arising primarily

from prior personal relationships between perpetrator/s and victim/s shall not be considered

Terrorist Acts. ‘Terrorist Act’ shall also include any act which is verified or recognized as an act of

terrorism by the (relevant) government of the country where the act occurs.

Third Party means any person other than the Insured Person, his spouse or common-law partner,

child, parent, friend or relative.

Transportation means any land, water or air conveyance required to transport the Insured Person

during an Emergency Evacuation. Transportation includes, but is not limited to, air ambulances, land

ambulances and private motor vehicles.

War means war, whether declared or not, or any warlike activities (including use of military force) by

any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or

other ends.

Benefits

IV. Benefits

4.1 PERSONAL ACCIDENT BENEFITS (AD, PPD, PTD)

If an Insured Person sustains an Injury resulting in an Insured Event described in the PA Table

of Benefits below, the Company will pay the Insured Person or his legal representative the

compensation as stated in the Table of Benefits.

A. PA TABLE OF BENEFITS

Insured Event Compensation Stated as a Percentage of the Principal Sum Insured

Insured Event

1. Accidental Death (AD)

a. As a result of an Accident 100%

b. Death as a direct result of exposure to the elements of nature as a direct result of an

Accident 100%

2. Permanent Total Disability (PTD)

a. As a result of an Accident 100%

b. Permanent Total Disablement as a direct result of exposure to the elements of nature

as a direct result of an Accident 100%

3. Permanent Partial Disability (PP

RIGHT

LEFT

For total loss of an upper member

70%

60%

For total loss of the hand or forearm

60%

50%

For total loss of a lower member above knee

60%

For total loss of a lower member at the level of the knee

or below 50% 50%

For total loss of a

foot

40%

For total deafness, both ears

40%

For total loss of visual acuity of one eye

25%

For total loss of visual acuity of both eyes

100%

For total loss of speech

100%

Total, irremediable functional loss of use of an organ or member shall be considered as total

loss thereof. For reduced functional use, the stated percentage shall be reduced in proportion

to the lost functional use.

In case of occurrence of more than one of the losses specified in the above schedule as a result

of any one accident, the total indemnity payable hereunder is established by adding the

indemnity corresponding to each single loss up to a maximum limit of 100% of the Principal

Sum.

SPECIFIC CONDITIONS

1. The Company will not pay for any benefit in respect of:

a. Permanent Total Disablement except on submission of satisfactory proof to the

Company that the disablement will in all probability continue for the remainder of an

Insured Person's life;

b. More than 100% of the sum insured when more than one Injury arises from the same

Accident;

c. More than one category for more than 100% of the Principal Sum Insured. The benefit

payable will be the highest in the appropriate category.

Benefits

2. If the Insured Person sustains Permanent Total Disablement and the claim in relation to

that disability is admitted and accepted, the benefit will be paid and all cover under

Section 4.1 in respect of such Insured Person shall cease.

3. The diagnosis and determination of Permanent Total Disablement or any Permanent

Disability must be made and documented by a Medical Practitioner and must be

continuous and permanent for at least 12 consecutive months from the onset of the

disablement. However: a) for Permanent and Total Loss of Speech, the loss of the ability to

speak must be continuous and permanent for at least 12 consecutive months and medical

evidence must confirm Permanent and Total Loss of Speech and all psychiatric related

causes must be excluded; and b) for Permanent and Incurable Paralysis, the loss of use

must be continuous and permanent for at least 12 consecutive months from the onset of

the paralysis.

4. If the Insured Person’s existing ailment, infirmity or other abnormal physical or mental

condition is aggravated by an Accident, the Benefit amount will be determined by the

degree of the deterioration of the existing ailment after the Accident and the Benefit will

be paid accordingly. The degree of ailment, infirmity or other abnormal physical or mental

condition before the Accident will be determined by medical evidence.

5. If the consequences of an Accident are aggravated owing to an Insured Person's existing

ailment, infirmity or other abnormal physical or mental condition, determination of the

benefit will be based on the consequences the Accident would have had, had such defects

not existed. The foregoing shall not apply, however, if such circumstances are a

consequence of an earlier Accident to the Insured Person, for which benefit has been or

will be paid under this Policy.

6. If an Insured Person dies of natural causes prior to the final disablement assessment

relating to an Insured Event, the Company will pay what reasonably would have had to be

paid for such Permanent Disability in accordance with Specific Condition 1(b) above.

7. Children are covered for 10% of the Insured Person Principal Sum Insured and up to a

maximum of $10,000 under Accidental Death and Accidental Death Common Carrier

8. Children are excluded from any benefit for occupational disability under Permanent Total

Disablement.

SPECIFIC EXCLUSION

The Company will not be liable to pay any benefit under this section in respect of any Insured

Person for any Insured Event caused by or arising directly or indirectly from any type of Illness,

or bacterial infection, except that this exclusion shall not apply to medically acquired infections

or blood poisoning, including pyogenic infections, which may result from an accidental cut or

wound.

B. ACCIDENTAL DEATH (COMMON CARRIER)

If a covered Injury results in death of an Insured Person within one hundred and eighty (180)

days after the date of the accident, the Company will pay the compensation as stated in the

Table of Benefits. Injury must occur while the Insured Person is riding as a passenger in or on,

boarding or alighting from, a Common Carrier.

Benefits

4.2 MEDICAL AND RELATED EXPENSES BENEFITS

A. EMERGENCY MEDICAL EXPENSES (ACCIDENT & SICKNESS)

If an Insured Person whilst traveling on an Insured Journey incurs Medical Expenses as a result

of Illness or Injury, the Company will reimburse for those expenses up to the amount as stated

in the Table of Benefits.

SPECIFIC CONDITIONS

1 Medical Expenses as a result of emergency dental treatment are limited to dentistry

received within 30 days of the Accident.

2 Medical and Related Expenses shall only be paid until such time as a Medical Practitioner

appointed by the Company decides that an Insured Person is capable of being repatriated.

If the Insured Person is capable of being repatriated and elects not to return to the Point

of Departure, all expenses incurred in respect of the occurrence including those prior to

the date of possible repatriation will be from the Insured Person's own account.

SPECIFIC EXCLUSIONS

The Company will not pay for any medical expenses:

1 incurred for continuing treatment, including any medication commenced prior to the

commencement date of the Insured Journey, which the Insured Person has been advised

to continue whilst on an Insured Journey; or

2 incurred due to investigatory treatment that is not specified by a Medical Practitioner as

immediately necessary; or

3 for fillings or crowns of precious metal; or

4 for any procedures relating to dental or oral hygiene; or

5 for specialist Medical Treatment without referral from a Medical Practitioner; or

6 relating to contraceptive devices, prosthetic devices, medical appliances or artificial aids;

7 for preventative treatment, including but not limited to any vaccination and/or

immunization;

8 Incurred in Country of Residence

B. DENTAL EXPENSES

The Company will reimburse for emergency dental treatment to restore dental function or

alleviate pain provided by a registered and legally qualified dentist. Where dentistry to restore

dental function or alleviate pain is required as a result of Illness or Injury whilst on an

International Journey, these expenses will form part of the benefit amount as stated in the

Table of Benefits with limit of $200 per tooth.

C. EMERGENCY MEDICAL EVACUATION

The Company will reimburse the usual Reasonable and Customary charges up to the maximum

shown in the Table of Benefits shown above or covered expenses incurred if Injury or Sickness

results in the Insured Person necessary Emergency Evacuation. An Emergency Evacuation

must be ordered by the Assistance Service or a Physician who certifies that the severity or the

nature of the Insured Person Injury or Sickness warrants his Evacuation.

Benefits

Covered expenses are those for Transportation and medical treatment, including medical

services and medical supplies necessarily incurred in connection with the Emergency

Evacuation. All Transportation arrangements made for evacuating the Insured Person must be

by the most direct and economical route possible. Expenses for Transportation must be: (a)

recommended by the attending Physician; (b) required by the standard regulations of the

conveyance transporting; and (c) arranged and authorized in advance by the Assist Service.

D. REPATRIATION OF REMAINS

The Company will reimburse benefits up to the amount stated in the Table of Benefits as

shown for covered expenses reasonably incurred to return the Insured Person’s body to his

country of origin if he dies. Covered expenses include, but are not limited to, expenses for: (a)

embalming; (b) cremation; (c) coffins; and (d) transportation.

Benefits

4.3 TRAVEL INCONVENIENCE BENEFITS

A. BAGGAGE / PERSONAL EFFECTS) (Silver Plan Excluded)

The Company will reimburse the Insured Person, subject to any Excess, up to the Sum Insured

stated in the Table of Benefits for the replacement cost of the baggage and its contents due to

theft, Loss or damage:

1. By a Common Carrier while the Insured Person was a ticketed passenger on the Common

Carrier during the trip.

2. During the Insured Person’s trip and subject to the baggage and its contents being owned

by and accompanying the Insured Person during the trip.

SPECIFIC CONDITIONS

a. The Sum Insured payable in respect of any one article shall not exceed the Sum Insured

shown on the Table of Benefits;

b. The Company may make payment or, at its own discretion and as it may elect, reinstate

or repair articles not older than one year;

c. The Company may at its own discretion elect to reinstate or repair more than one year

old articles or make payment subject to due allowance of wear and tear and

depreciation;

d. Loss or damage must occur:

i. while the baggage or Personal Effect is/are in a hotel or a Common Carrier and proof

of such Loss must be obtained in writing from the hotel management or the

Common Carrier management and such proof must be provided to the Company; or

ii. as a result of theft of the baggage or Personal Effects provided that such Loss is

reported to the police having jurisdiction at the place of the Loss no more than

twenty-four (24) hours from the time of the incident. Any claim must be

accompanied by written report/documentation from such police;

e. The Insured Person must take every possible step to ensure that the baggage or

Personal Effects are not left unattended.

f. Benefits for baggage and Personal Effects will be in excess of all other valid and

collectible insurance. If, at the time of any Loss, there is another valid and collectible

insurance in place, the Company will only be liable for the exceeding difference between

its Sum Insured and the other insurance’s Sum Insured subject to any applicable Excess.

g. Benefits for baggage and Personal Effects will be in Excess of any Sum Insured paid or

payable by a Common Carrier or other third party responsible for the Loss.

h. Any Loss, theft or damage must be documented by a police or other local authority

report or documentation and shall be obtained by the Insured Person.

i. In case of Loss to a pair or set, the Company may elect to:

i. Repair or replace any part, to restore the pair or set to its value before the Loss; or

ii. Reimburse the difference between the cash value of the property before and after

the Loss.

j. There is a per article maximum limit stated in the Table of Benefits including but not

limited to: jewellery, watches, articles consisting in whole or in part of silver, gold or

platinum, furs, articles trimmed with or made mostly of fur, and cameras, including

related camera and video camera.

Benefits

SPECIFIC EXCLUSIONS

The Company will not be liable to reimburse any Sum Insured for:

1. The following classes of property: animals, birds, fish, motor vehicles (including

accessories), motorcycles, boats, motors, any conveyance, snow skis, household effects,

antiques, computers (including software and accessories), contact or corneal lenses,

artificial teeth or limbs, hearing aids, music instruments, perishables, consumables,

money, securities, tickets or documents;

2. Loss or damage caused by wear and tear, gradual deterioration, moths, vermin;

3. Damage sustained due to any process to repair, clean or alter any property;

4. Loss of or damage to hired or leased equipment;

5. Loss of or damage to property resulting directly or indirectly from insurrection, rebellion,

revolution, civil war, usurped power, or action taken by government authorities in

hindering, combating or defending against such an occurrence, seizure or destruction

under quarantine or customs regulation, confiscation by order of any government of

public authority or risk of contraband or illegal transportation or trade, radioactive

contamination;

6. Loss or damage to laptop computers recoverable under another insurance or from

another source;

7. Loss of Insured Person baggage left unattained in any vehicle or public place or as a

result of the Insured Person failure to take due care and precautions for the safeguard

and security of such property;

8. Loss of the Insured Person’s baggage, souvenirs or articles sent in advance or mailed or

shipped separately;

9. Loss of business goods or samples;

10. Loss of data recorded on tapes, cards, discs or otherwise;

11. Inherent vice or damage;

12. Transporting contraband or illegal trade;

13. Mysterious disappearance;

14. Breakage or damage of baggage or contents

15. Pilferage or missing contents from baggage

B. PERSONAL MONEY (Silver Plan Excluded)

The Company will reimburse the Insured Person, subject to any Excess, for reasonable

essential expenses incurred and up to the amount stated in the Table of Benefits, for any Loss

of cash belonging to the Insured Person arising out of robbery, burglary or theft, and that were

in the Insured Person’s care, custody and control.

SPECIAL NOTIFICATION OF CLAIM

Such Loss must be reported within 24 (twenty four) hours after its discovery to the police

having jurisdiction at the place of the Loss. Any claim must be accompanied by official written

documentation from the police.

SPECIFIC EXCLUSIONS

The Company will not be liable to reimburse any Sum Insured for:

1. Loss as a result of detention or confiscation by any lawfully constituted authority;

2. Loss not reported to the police within 24 (twenty four) hours after the discovery;

3. Loss recoverable under another insurance or from another source.

4. Loss in respect of shortage due to error, omission, exchange transaction or depreciation in

Benefits

value;

5. Mysterious disappearance.

6. Any amount claimed exceeding the actual amount of money lost

C. BAGGAGE DELAY (Silver Plan Excluded)

The Company will reimburse the Insured Person for reasonable essential expenses incurred

following the Excess period and up to the amount stated in the Table of Benefits, for the

emergency purchase of essential items if his baggage is delayed, misdirected or temporarily

misplaced by a carrier.

SPECIFIC CONDITIONS

1 Written proof of delay from the transport provider must be submitted with any claim and

the Company’s liability is subject to it receiving original receipts for the essential expenses

incurred.

2 The baggage delay must exceed the Excess.

3 Confiscation or requisition by customs or other government authority cannot form the

basis of a claim for loss or expenses.

4 Claims in respect of essential clothing or requisites purchased as a result of delayed

baggage will only be considered if items have been purchased within 4 days after the

actual arrival time at the intended destination.

5 If baggage appears to be delayed or lost at the destination airport, the Insured Person

must formally notify the relevant carrier airline immediately. Evidence of notification

should be provided

D. TRAVEL DELAY (Silver Plan Excluded)

The Company will reimburse the Insured Person for reasonable essential expenses incurred

caused by unforeseen travel delay and following the Excess period, subject to receiving

original receipts for the essential expenses incurred up to the amount stated in the Table of

Benefits resulting from:

1 Loss or theft of travel documents (travel tickets, passports and visas).

2 An accident or mechanical/electrical breakdown involving the transport in which he

arranged to travel or was traveling for the purpose of reaching the Point of Departure

and/or departure point from which he had intended commencing an onward journey.

3 Delay of a scheduled departure of a Public Conveyance due to: a) industrial dispute, strike

or action; or b) adverse weather conditions including cyclones, tornados, floods, typhoons,

blizzards, or natural disasters in the country to or through which he is traveling; or c)

mechanical/electrical breakdown; or d) public transport services failure.

SPECIFIC EXCLUSIONS

The Company will not pay for expenses incurred:

1 where comparable alternative onward transportation has been made available to the

Insured Person within the Excess after the scheduled departure time of a booked flight or

within the Excess after an actual flight arrival (in the case of a connecting flight); or

2 where the Insured Person fails to check in according to the itinerary supplied, unless such

failure was due to a strike or industrial action; or

3 where the delay is due to industrial dispute, strike or action which existed or for which

advance notice had been given on or before the date on which the Insured Journey

commenced; or

4 where the delay is due to the withdrawal from service temporarily or permanently of any

Public Conveyance on the orders or recommendation of any port authority or the civil

aviation authority or any similar body in any country in which advance notice had been

Benefits

given on or before the date on which the Insured Journey commenced; or

5 For carrier caused delays where the cost of expenses is recoverable from the carrier.

E. PERSONAL LIABILITY (Silver Plan Excluded)

The Company will reimburse all damages, compensation and legal expenses for which the

Insured Person becomes legally liable up to the amount stated in the Table of Benefits under

the plan opted for as a result of his actions causing:

1 Injury, including resultant death, of another person;

2 Loss of or damage to property.

SPECIFIC CONDITIONS

1 It is a condition of payment that the Insured Person not admits fault or liability to any

other person without the Company’s prior written consent.

2 No offer, promise, payment or indemnity may be made by the Insured Person without the

Company’s prior written consent.

3 The Insured Person must give the Company written notice with full particulars of an event

that may give rise to a claim within 30 days of the conclusion of an Insured Journey.

4 Every letter, writ, summons and process must be forwarded to the Company as soon as

possible.

5 The Company is entitled to take over the defense and settlement of claim in the name of

the Insured Person for the Company’s benefit. The Company shall have full discretion in

the conduct of any proceedings and settlement of the claim.

6 The Company may at any time pay the Insured Person the amount for which a claim can

be settled less any damages already paid. The Company will then be under no further

liability other than for costs and expenses incurred prior to making such payment.

7 No indemnity will be provided for legal liability arising from Injury or loss as a result of any

willful or malicious act of the Insured Person.

SPECIFIC EXCLUSIONS

The Company will not pay damages, compensation or legal expenses in respect of any liability

directly or indirectly arising out of or in connection with:

1 Injury to the Insured Person or to any member of his family ordinarily residing with him; or

2 Injury to the Insured Person or his employees arising out of or in the course of

employment; or

3 loss of or damage to property owned by or in control of the Insured Person or any member

of his family ordinarily residing with him; or

4 the ownership, possession or use by or on behalf of the Insured Person of any caravan,

mechanically propelled vehicle (other than golf carts and motorized wheelchairs), aircraft

or other aerial device, hovercraft (other than hand-propelled or sailing craft in territorial

waters) or animals; or

5 loss of or damage to property or Injury arising out of the Insured Person's profession,

business or trade, or out of professional advice given by him; or

6 any contract unless such liability would have arisen in the absence of that contract; or

7 judgments which are not in the first instance either delivered by or obtained from a court

of competent jurisdiction within the country where the Policy has been issued or the

country in which the event occurred giving rise to the Insured Person's liability; or

8 Any claim for fines, penalties, punitive, exemplary, aggravated or vindictive damages.

Benefits

F. HIJACKING (Gold and Silver Plan Excluded)

The Company will pay the Insured Person a distress allowance up to the amount stated in the

Table of Benefits for every 24 hour period during which any common carrier in which the

Insured Person are traveling has been hijacked, where as a direct consequence, The Insured

journey has been disrupted up to a maximum amount stated in the Table of Benefits.

Hijacking - means the unlawful seizure or wrongful exercise of control of an aircraft or other

Common Carrier, or the crew thereof, in which The Insured Person are traveling as a

passenger.

G. EMERGENCY FAMILY TRAVEL (Gold and Silver Plan Excluded)

If the Insured Person are hospitalized for more than 5 days following a covered hospitalization

during the Insured Person trip, the Company will reimburse up to the amount stated in the

Table of Benefits for:

1. The cost of round-trip economy airfare to bring a person chosen by the Insured Person to

and from the Insured Person bedside if the Insured Person is alone during his trip.

2. The reimbursement of the Hotel room charge due to convalescence after the Insured

Person Hospital discharge, which has been approved by the Assistance Service up to a

daily amount and total maximum amount stated in the Table of Benefits.

These expenses must be authorized in advance by the Assistance Service. Benefits will not be

provided for any expenses provided by another party at no cost to the Insured Person or

already included in the cost of the trip.

H. LEGAL FEES (Gold and Silver Plan Excluded)

The Company will reimburse Legal fees the Insured Person incur, as a result of false arrest or

wrongful detention by any Government or Foreign Power up to the amount stated in the Table

of Benefits.

I. BAIL BOND / KAFALA (Gold and Silver Plan Excluded)

The Company will reimburse Bail Bond or Kafala costs the Insured Person incur, as a result of

false arrest or wrongful detention by any Government or Foreign Power up to the amount

stated in the Table of Benefits.

J. LOSS OF PASSPORT (Silver Plan Excluded)

The Company will reimburse costs incurred by the Insured Person limited to fees, penalties

and courier charges towards replacement of travel documents in lieu of lost passport as per

amount stated in the Table of Benefits, under plan opted for and subject to letter intimating

loss of passport acknowledged by appropriate authorities.

SPECIFIC EXCLUSIONS

1. Impounding of Passport by any authorities

2. If the loss is recoverable under other insurance or recoverable from other source.

K. TRIP CANCELLATION OR CURTAILMENT (Silver Plan Excluded)

The Company will reimburse up to the overall limit shown on the Table of Benefits, for travel

and accommodation expenses that the Insured Person has paid or has agreed to pay under a

contract and which the Insured Person cannot get back, if it is necessary and unavoidable for

the Insured Person to cancel or cut short the Insured Journey as a result of the following:

1. The Insured Person dying, becoming ill or injured.

Benefits

2. The death, injury or illness of a relative, close Business Associate or a person with whom

the Insured Person has booked to travel or a Relative or friend living abroad with whom

the Insured Person plans to stay.

3. If the Insured Person is called for jury service (and the Insured Person requests to defer

has been rejected), attending court as a witness (but not as an expert witness) or the

Insured Person is put in compulsory quarantine.

4. If the police or the Insurers of the Insured Person home needs the Insured Person to stay

after a fire, flood or burglary at the Insured Person home within 48 hours before the date

the Insured Person planned to leave.

5. The extra cost for the Insured Person to return home following the death, serious injury or

serious illness of a relative in the Insured’s Person Country of Residence.

SPECIFIC CONDITIONS

Cover starts at the time the Insured Person books the Insured Journey or pays the insurance

premium, whichever is later.

If the Insured Person has arranged an annual multi-trip Policy, cover starts at the time that the

Insured Person booked the Insured Journey or the Effective Date of Cover shown on the Policy

Schedule, whichever is later.

SPECIFIC EXCLUSIONS

1. The Insured Person not wanting to travel.

2. Any extra costs resulting from the Insured Person not telling any provider, as soon as the

Insured Person knew about cancelling the International Journey

3. Canceling or cutting short the Insured Journey because of a medical condition or any

illness related to a medical condition that the Insured Person knew about or should have

known about before the start of this insurance. This applies to the Insured Person, a

Relative, close Business Associate or person the Insured Person is traveling with and any

person the Insured Person was depending on for the Trip.

4. The cost of the Insured Person original return trip if this has already been paid and the

Insured Person need to cut short the Trip.

5. If the Insured Person has to cut short the Insured Journey and do not return to the Country

of Residence.

6. Failure to obtain the required visa.

7. Any costs incurred due to fluctuation in exchange rates.

8. Any loss incurred where payment has been made using reward schemes.

9. Pregnancy or childbirth where the pregnancy would have been more than 28 Weeks at the

beginning of the Insured Journey or 24 Weeks in the case of a known multiple pregnancy

(unless the pregnancy was confirmed after the date the Insured Person travel tickets or

confirmation of booking were issued or in the case of single return trip policies, the start

date of the Insured Person policy) and cancellation or cutting short the trip is confirmed

medically necessary.

SPECIFIC DEFINITIONS

Business associate means any person who works at the Insured Person’s place of business and

who, if was away from work with the Insured Person at the same time for one or more days,

would prevent the effective continuation of that business.

Relative means husband, wife, partner, grandparent, grandchild, parent, parent-in-law,

brother, sister, son, daughter, fiancé or fiancée.

Benefits

L. MISSED DEPARTURE (Gold and Silver Plan Excluded)

The Company will reimburse up to the overall limit shown on the Table of Benefits, for

customary charges for necessary accommodation, telephone calls, meals and local public

transportation incurred by the Insured Person if the Insured Person cannot reach the original

departure point at the recommended time of his Insured Journey on either the outward or

return journey, because public transportation services fail or the vehicle in which the Insured

Person is travelling is involved in an accident or breaks down.

SPECIFIC CONDITIONS

1. The Insured Person must allow enough time to arrive at his original departure point at or

before the recommended time;

2. The Insured Person must get confirmation of the reason for the delay and how long it lasts

from the appropriate authority.

SPECIFIC EXCLUSIONS

The Company will not be liable to reimburse any Sum Insured for claim which is the result of a

strike or industrial action that the Insured Person knew about before he booked his insured

Journey.

M. ASSISTANCE DEPARTMENT

The ASSISTANCE DEPARTMENT provides emergency assistance services, including medical,

technical and general services as listed below. Insured Persons may contact the ASSISTANCE

DEPARTMENT at Phone number: +1 817 826 7276 twenty four (24) hours a day.

1. Medical Services:

• Medical Reference: The ASSISTANCE DEPARTMENT shall provide the Insured Person(s)

with the name, address, telephone number, office hours and English language

translation assistance for medical and health care professionals in any worldwide

location reasonably requested by the Insured Person(s): physicians, hospitals,

ambulance, and other emergency medical service (collectively, Medical Service

Providers). Whenever the ASSISTANCE DEPARTMENT has sufficient information to do

so, it shall refer the Insured Person(s) to two or more such Medical Service Providers,

set appointments, translate if needed, and coordinate with the Insured Person(s)s'

primary medical insurer. The ASSISTANCE DEPARTMENT shall use its reasonable best

efforts to ensure that its medical referrals are to Medical Service Providers who meet

the professional standards of the country and city in which they are located. The

ASSISTANCE DEPARTMENT will make its reasonable best efforts to pre-negotiate fees

for services with Medical Service Providers, steer Insured Person(s) of AIG to Medical

Service Providers in-network, and to arrange direct billing with its Medical Service

Providers whenever possible for expenses incurred by the Insured Person(s) of AIG. The

ASSISTANCE DEPARTMENT will use every effort to supply a qualified Medical

Reference within 24 hours of the initial request, however when this is not possible, the

ASSISTANCE DEPARTMENT cannot be held responsible for circumstances beyond its

control. In all instances, the ASSISTANCE DEPARTMENT will notify the Insured

Person(s) of the status of the request within this time frame.

Benefits

• Advance Payment of Medical Expenses: When it is deemed medically appropriate, the

ASSISTANCE DEPARTMENT will advance up to the amount allowed in the Policies issued

to the Insured Person(s) for the payment of medical expenses. Any determination by the

ASSISTANCE DEPARTMENT to advance such amounts will be based on advise and

approval from AIG. If there is no coverage, or if coverage is insufficient under the Insured

Person’s Policy, any uncovered expense associated with the Insured Person’s medical

expenses will be the sole responsibility of the Insured Person or of the person (s) acting

on the Insured Person’s behalf.

• Guarantee of Hospitalization Fee: When it is deemed medically appropriate, the

ASSISTANCE DEPARTMENT will guarantee payment of hospitalization fees up to the

amount allowed in the Insured Person’s Policy for hospitalization benefits. Any

determination by the ASSISTANCE DEPARTMENT to guarantee such amounts will be

subject to approval of the same advance from AIG in accordance with this Policy. If there

is coverage under the Policy issued to the Insured Person by the AIG, then the

ASSISTANCE DEPARTMENT will pay up to the maximum amount available under the

Policy for hospitalization fees. If there is no coverage, or if coverage is insufficient under

the Policy, any uncovered expense associated with an Insured Person’s hospitalization

will be the sole responsibility of the Insured Person or of the person(s) acting on the

Insured Person’s behalf.

• Medical Evacuation: The ASSISTANCE DEPARTMENT shall arrange and coordinate the

medical evacuation by means of air transportation, including but not limited to

commercial air transportation with or without medical escort, air ambulance transport

and /or, if appropriate, other forms of transportation of an Insured Person from a

foreign hospital or health care facility to another foreign hospital or health care

facility, or to a hospital or health care facility in the Insured Person’s Country of

Residence, when a physician designated by the ASSISTANCE DEPARTMENT to monitor

the Insured Person's condition and treatment deems such an evacuation or

transportation necessary in his/her professional judgment. The ASSISTANCE

DEPARTMENT shall use its best efforts to ensure that all services so arranged are with

Medical Service Providers that meet the professional standards of the country and city

in which the evacuation will originate. The ASSISTANCE DEPARTMENT will pay

reasonable costs on Insured Person’s behalf up to the policy limits issued by AIG.

• Medical Case Monitoring: Following all medical referrals or other assistance to a

Insured Person in connection with a medical emergency, the ASSISTANCE

DEPARTMENT shall monitor the Insured Person's medical condition and treatment

until the Insured Person is released from treatment or returns home.

• Repatriation of Remains: When ASSISTANCE DEPARTMENT is notified that an Insured

Person has died while traveling, the ASSISTANCE DEPARTMENT will verify that insurance

applicable to repatriation of remains is in force. Subject to any governmental regulations,

the ASSISTANCE DEPARTMENT will also assist in making all necessary arrangements for

the return of the Insured Person’s remains to the place designated by the Insured

Person’s next-of-kin. The ASSISTANCE DEPARTMENT will pay on Insured Person’s behalf

reasonable costs up to the policy limits issued by AIG. Any expense associated with the

repatriation of the Insured Person’s remains over the amount available through

Insurance will be the sole responsibility of person(s) acting on the deceased Insured

Person’s behalf.

Benefits

• Insurance/Claims Coordination: In a medical emergency, communication and filing

issues between a Insured Person’s insurance carriers and providers to settle billing

medical expenses will be handled.

2. Technical Services:

• Lost/Stolen Luggage and Personal Effects: Insured Person whose luggage or personal

effects are lost or stolen can expect help with local authorities and agencies. The

ASSISTANCE DEPARTMENT shall coordinate with common carriers to locate and

recover lost or stolen luggage which shall involve the use of all available tracking

systems and establishing, on the Insured Person's behalf and, as appropriate, liaison

with transportation carriers, airports, hotels, government authorities and others. The

ASSISTANCE DEPARTMENT will also coordinate arrangements to assist the Insured

Person with processing of insurance claims resulting from the lost luggage.

• Lost/Stolen Travel Documents/Tickets: In the event a traveler’s personal travel

documents are lost or stolen, Insured Person(s)s can expect help with obtaining

replacement and canceling original documents, including making alternate

reservations and arranging for replacement airline/rail tickets when needed. The

ASSISTANCE DEPARTMENT shall use its best effort to assist the Insured Person in

locating lost documents (including, but not limited to lost passports and visas), and

upon request, to replace such documents by identifying and contacting appropriate

governmental authorities, gathering necessary information, and otherwise taking all

reasonable steps necessary to facilitate the replacement of the lost documents in a

prompt and timely manner.

3. General Services:

• Travel Documentation: Advice on procuring travel documents, passport/visa

requirements, and customs entry/exit restrictions and regulations.

• Immunizations: Advice on the immunizations required for the trip, information on

local medical advisories, epidemics, and available preventive measures.

• Currency and ATM Locations: Currency exchange rates are available, as well as

information on local bank/government holidays.

• Global Weather: General climate and up-to-date weather forecasting for domestic and

international destinations.

• Telephone Translation for medical emergencies: For travelers in an emergency medical

situation who do not speak the local language, multilingual counselors are available 24

hours a day, seven days a week, for translations via telephone.

Benefits

4.4 SECURE WALLET (Children Excluded)

A. CREDIT CARD FRAUD (Silver Plan Excluded)

In the event an Insured’s Person’s wallet is lost or stolen during the Period of Coverage, the

company will refund the Insured Person’s financial loss up to the limits stated in the Table of

Benefits, if a lost or stolen Insured Card is used by a Third Party for fraudulent payment

transactions or cash withdrawals. The coverage starts from the moment the first fraudulent

transaction takes place and lasts for a maximum of 48 hours or until notification of the bank

that the card is lost or stolen, whichever occurs first.

SPECIFIC EXCLUSIONS

No coverage is provided for:

• cash in a lost or stolen wallet;

• expired, cancelled or withdrawn credit cards;

• loss caused by the Insured Person, his spouse, children, relatives or friends whether

intentionally or unintentionally; or

• loss occurring during time of War, civil commotion, insurrection, rebellion, revolution or

terrorism or Acts of God, nuclear reaction or radiation; or

• loss occurring as a consequence of any riot or confiscation by the authorities.

SPECIFIC CLAIMS NOTIFICATION

As soon as he notices his card has been lost or stolen, the Insured Person shall:

• Notify the loss or theft of the card immediately to the bank in order to close the credit

card and stop payment(s); and

• File a notification with the Police Authorities within 48 hours (or any other local usage or

obligation).

The Insured Person should follow the uniform provisions detailing the address and process of

filing and additionally provide:

• copy of the bank ’s letter acknowledging receipt of the Insured Person’s request to stop

payment on the card;

• copy of the police report specifying the theft, loss of the card and wallet and this within 48

hours of the theft/loss;

• latest credit card statement evidencing premium charge and fraudulent transactions

made; and

• any other document or information necessary for the Company to judge the validity of the

indemnity request and proceed to the proper indemnification according to this contract.

B. KEYS AND PAPERS (Gold and Silver Plan Excluded)

In the event an Insured Person’s house keys, car keys, and official administrative papers are

lost or stolen along with his Insured Cards during the Period of Coverage, the company will

refund the costs sustained by the Insured Person to replace his keys – including locks – and/or

his official administrative papers up to the limits stated in the Table of Benefits,

SPECIFIC EXCLUSIONS

No coverage is provided for:

• room keys to the house, pad locks, magnetic keys to the house and office keys.

Benefits

• loss caused by the Insured Person, his spouse, children, relatives or friends whether

intentionally or unintentionally; or

• loss occurring during time of War, civil commotion, insurrection, rebellion, revolution or

terrorism or Acts of God, nuclear reaction or radiation; or

• loss occurring as a consequence of any riot or confiscation by the authorities.

SPECIFIC CLAIMS NOTIFICATION

As soon as he notices his Insured Card has been lost or stolen, the Insured Person shall:

• In case of theft, file a notification with the Police Authorities within 48 hours (or any other

local usage or obligation) specifying the theft of the credit card as well,

The Insured Person should follow the uniform provisions detailing the address and process of

filing and additionally provide:

• copy of the bank ’s letter acknowledging receipt of the Insured Person’s request to stop

payment on the Insured Card;

• copy of the Police report in case of theft of the keys and / or papers together with the

Insured Card;

• original locksmith bill to replace keys and locks; and

• copy of the replaced official administrative papers and the bills corresponding to the

replacement costs.

C. MUGGING (Gold and Silver Plan Excluded)

In the event an Insured’s Person is violently assaulted attacked while withdrawing funds from

an automatic teller machine (ATM) or within two (2) hours thereafter, the Company will

reimburse the amount of cash withdrawn and stolen.

SPECIFIC EXCLUSIONS

No coverage is provided for:

• an intentional act on the part of the Insured Person or on the part of one of his close

relationship (spouse, child or parent);

• loss occurring during time of War, civil commotion, insurrection, rebellion, revolution or

terrorism or Acts of God, nuclear reaction or radiation; or

• loss occurring as a consequence of any riot or confiscation by the authorities.

SPECIFIC CLAIMS NOTIFICATION

As soon as the theft occurs, the Insured Person must:

• File a complaint with the competent police authorities within 48 hours;

The Insured Person should follow the uniform provisions detailing the address and process of

filing and additionally provide:

• original of the police report, stating among others the location, date and precise time of

the assault as well as the amount of cash stolen;

• copy of the bank statement showing the date and amount withdrawn;

• withdrawal receipt stating the date and the debited cash as well as the time of withdrawal;

• original of the medical certificate or a witness testimony; and

• any other document the Insurer considers necessary for the validation of the claim and

indemnity assessment.

Benefits

4.5 ADDITIONAL OPTIONAL BENEFITS

A. HAZARDOUS SPORTS BENEFITS [Only applicable if specifically purchased]

In consideration of an additional premium, it is hereby understood and agreed that the

Company will pay up to the limit shown on the Table of Benefits under Section 1 and Section 2

for covered accidents, which are caused by Hazardous Sports, to the extent that this hazard is

not covered by the policy. The benefit will also include Winter Sports Inconvenience Benefits:

Piste Closure, Avalanche Closure, Skis and Ski Equipment, Ski Hire and Unused Ski Packs. This

benefit is not applicable for indoor winter sports.

1. WINTER SPORTS INCONVENIENCE TABLE OF BENEFITS

Cover

Value of cover up to

Excess where applicabl

1) Piste Closure

$150

2) Avalanche Closure

$150

3) Skis and Ski Equipment

$300

$50

4) Ski Hire

$500

5) Unused Ski Packs

$300

2. PISTE CLOSURE

The Company will pay up to the overall limit shown on the above Winter Sports

Inconvenience Table of Benefits if, as a result of not enough snow in the Insured Person

pre-booked holiday resort, all lift systems are closed for more than 24 hours. The Company

will pay for either:

• The cost of transport to the nearest resort up to $20 for each full 24-hour period; or

• Up to $20 for each full 12-hour period if the Insured Person is unable to ski and there

is no other ski resort available.

SPECIFIC CONDITIONS

It is a condition of the cover provided under this section that:

• The Insured Person gets a written statement from the management of the resort

confirming the reason for the closure and how long it lasted;

• The pre-booked holiday resort where the Insured Person is staying at least 1,000

metres above sea level; and

• If the Insured Person buys this insurance within 14 days of the date the Insured Person

plan to leave and the Insured Person knows about any reason that could cause a claim

under this section, the Company will not provide cover for the Insured Person.

3. AVALANCHE CLOSURE

The Company will pay up to the overall limit shown on the Winter Table of Benefits for

reasonable extra travel and accommodation expenses that the Insured Person needs to

pay if the Insured Person pre-booked outward or return journey is delayed for more than

12 hours from the scheduled arrival time because of an avalanche.

SPECIFIC CONDITIONS

It is a condition of the cover provided under this section that the Insured Person gets a

written statement from the appropriate authority confirming the reason for the delay and

how long it lasted.

Benefits

4. SKI AND SKI EQUIPMENT

The Company will pay, up to the overall limit shown in Winter Table of Benefits or loss,

damage or breakage of skis, snowboards, bindings, poles and boots owned or hired by the

Insured Person:

SPECIFIC EXCLUSIONS

• The first $50 of each claim, for each Insured Person

• Articles lost from an unattended motor vehicle, trailer or caravan.

• Property the Insured Person leaves unattended in a public place.

5. SKI HIRE

The Company will pay $25 for each full 24-hour period for the costs of hiring other ski

equipment. The Company will pay up to the overall limit shown on the Schedule of

Benefits if:

• The skis that the Insured Person owns are lost or delayed during the Insured Person’s

trip for over 12 hours; or

• The skis that the Insured Person owns are lost or damaged during the course of the

Insured Person’s trip.

SPECIFIC CONDITIONS

It is a condition of the cover provided under this section that the Company takes any

payment made under this section from any claim under the Skis and Ski Equipment Cover

of this Policy.

SPECIFIC EXCLUSIONS

• Any claim involving damage to the Insured Person’s skis where the Insured Person do

not bring them back to the United Arab Emirates so the Company can inspect them.

• Any theft or loss which the Insured Person do not report to the police within 24 hours

of discovering it and get a written report.

• Any theft, delay, loss of or damage to personal belongings or baggage while it is

transported unless the Insured Persons report this, at the time, to the carrier and get a

property irregularity report.

6. UNUSED SKI PACK

The Company will pay up to the overall limit shown on the Schedule of Benefits for a

proportion of the Insured Person’s ski pack, unused due to the Insured Person being ill or

injured while being on the holiday and the Insured Person is medically certified as being

unable to use it. Ski pack consists of ski pass, ski hire and tuition fee.

Benefits

B. TERRORISM EXTENSION [Only applicable if specifically purchased]

(Silver Plan Excluded)

In consideration of an additional premium, it is hereby understood and agreed that Uniform

Exclusions V.C is deleted in its entirety.

The Company will pay up to the limit shown on the Table of Benefits under Section 1 and

Section 2, for covered accidents, which are caused by an act or acts of Terrorism, to the extent

that this hazard is not covered by the policy. This coverage is subject to the terms set forth

below.

SPECIFIC CONDITIONS

1. The premiums and benefits for this option may be changed at any time by agreement

between the Insured Person and the Company. This may be done as needed to reflect

conditions, which in the opinion of the Insured Person or the Company, change the

terrorism risk.

2. The Company reserves the right to change the rate for this optional benefit by seven (7)

days written notice mailed to the Insured Person at the last address the Company has on

record.

SPECIFIC EXCLUSIONS

The Company will not be liable to reimburse any Sum Insured for loss caused by or resulting

from nuclear radiation or the release of nuclear energy.

C. ELDER EXTENSION [Only applicable if specifically purchased with the Silver Plan]

(Platinum and Gold Plan Excluded)

In consideration of an additional premium, it is hereby understood and agreed that Insured

Person(s) are covered up to the date of their seventy-fifth (75th) birthday for all the coverage

in the Silver Plan.

Uniform Exclusions

V. UNIFORM EXCLUSIONS

The Company will not cover loss, injury, damage or legal liability caused by, sustained, or arising

directly or indirectly from:

A. War, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection or

military or usurped power, labor disturbances, riot, strike or lock-out. However, the Insured

Person will continue to be entitled to be covered for 7 calendar days from the start of the

hostilities in case he is surprised by such events abroad insofar as he does not actively

participate in them.; nor

B. the intentional use of military force to intercept, prevent, or mitigate any known or suspected

Terrorist Act; nor

C. any Terrorist Act or bomb incident or threat thereof; nor

D. The use, release or escape of nuclear materials that directly or indirectly results in ionizing,

radiation or contamination by radioactivity from any nuclear fuel or from nuclear weapons

materials. For the purpose of this exclusion, combustion shall include any self-sustaining process

of nuclear fission; nor

E. the release, the dispersal or application of pathogenic or poisonous biological or chemical

materials; or

F. being in service or on duty with or undergoing training with any military or police force, or militia

or paramilitary organization; nor

G. engaging in occupational activities underground or requiring the use of explosives; nor

H. willful or deliberate exposure to danger (except in an attempt to save human life), intentional

self-inflicted injury, suicide or attempt thereat; nor

I. deliberate violation of criminal law; nor

J. traveling by air on a legally licensed aircraft and where the Insured Person is acting as pilot or

part of the aircraft crew; nor

K. mental disorders including, but not limited to anxiety disorders, eating disorders, psychotic

disorders, affective disorders, personality disorders, substance use disorders, somatoform

disorders, dissociate disorders, psychosexual disorders, adjustment disorders, organic mental

disorders, mental retardation and autism; nor

L. pregnancy and all related conditions, including services and supplies related to the diagnosis or

treatment of infertility or other problems related to inability to conceive a child; birth control,

including surgical procedures and devices; nor

M. sexually transmitted diseases and the conditions commonly known as AIDS or HIV and/or any

related illness or condition including derivatives or variations thereof, howsoever, acquired or

caused; nor

N. chronic fatigue syndrome or myalgic encephalomyelitis (M.E.) (anticardiolipin antibody

positively) or the Illness commonly referred to as yuppie flu; nor

1. an Insured Person being under the influence of alcohol with more than the legal limit of

alcohol in his blood or breath; or

2. an Insured Person being under the influence of drugs or narcotics unless such drugs or

narcotics were administered by a Medical Practitioner or unless prescribed by and taken in

accordance with the directions of a Medical Practitioner; or

3. an Accident occurring whilst an Insured Person was driving a motor vehicle with more than

the legal limit of alcohol in his blood or breath; or

4. alcohol abuse, alcoholism, substance abuse, solvent abuse, drug abuse or addictive

conditions of any kind; nor

Uniform Exclusions

1. any Pre-existing Medical Condition; or

2. any cardiac or cardio vascular or vascular or cerebral vascular illness or conditions or

sequelae thereof or complications that, in the opinion of a Medical Practitioner appointed by

the Company, can reasonably be related thereto, if the Insured Person has received medical

advice or treatment (including medication) for hypertension 2 years prior to the

commencement of the Insured Journey; nor

P. congenital anomalies and conditions arising out of or resulting there from, and hernia; nor

Q. flying in any aircraft owned, leased or operated by or on behalf of an Insured Person or any

member of an Insured Person's household; nor

R. an Insured Person traveling against medical advice or to seek medical attention or advice or with

a terminal condition which was diagnosed prior to the Insured Journey or when he is unfit to do

so; nor

S. employment involving Manual Labor, other than off duty; or b) undertaking employment on a

permanent or contract basis which is not casual, other than whilst on a leisure trip; nor

T. participating in any sport as a Professional Player; or b) school sports (unless an Endorsement

has been issued and additional premium charged and authorized by the Company and paid by

the Insured Person); nor

U. any hazardous pursuits, sports or activities which introduce or increase the possibility of a loss

including but not limited to engaging in motor cycling (where the engine capacity exceeds 200cc

or the cycle is under control of an unlicensed driver), steeple-chasing, polo or horseback riding,

hunting, bungee jumping, abseiling, white water rafting, hiking (unless accompanied by a

recognized guide or on a clearly marked route), mountaineering requiring the use of ropes or

equipment, scuba diving (unless licensed or accompanied by a qualified instructor), fighting

(except in bona fide self-defense), racing (other than on foot or under sail in inland waters),

being a crew member on a ship or boat traveling from one country to another, speed or

endurance racing or practice thereof (other than athletics), or training for or engaging in contact

sports where physical contact between players is an accepted part of play. Skiing, land-skiing,

mono-skiing, cross-country skiing, heli-skiing, off-piste skiing, ice skating (no speed skating),

snowboarding, ski boarding, sledging, tobogganing or ice skating, fishing, sail boarding, sailing,

surfing, water skiing, wind surfing, unless an additional premium has been charged and

authorized by the Company and paid by the Insured Person. This remains at the discretion of the

Company; nor

V. consequential loss of any kind or financial loss and/or expense not otherwise specifically

covered; nor

W. default or insolvency of the carrier; nor

X. The Insured Person’s intention to emigrate, unless agreed previously in writing by the Company.

Y. Travel in, to through Afghanistan, Iraq, Cuba or Democratic Republic of Congo.

Z. Any terrorist or member of a terrorist organization, narcotics trafficker, or purveyor of nuclear,

chemical or biological weapons.

AA. Heart attack or any heart related condition

BB. Any condition arising from tumor or relating to cancer

General Conditions

VI. GENERAL CONDITIONS

A. Age limits

This Policy covers Insured Events which happen to an Insured Person who is 3 months to 70

years of age with an optional extension to 75 years under “Silver Plan” only, at the date of such

event on all Plans.

B. Airlines

The Company will have no liability to pay any benefit in relation to any Insured Event for which

the Insured Person may be able to seek compensation from an airline. If the Insured Person

proves that he has taken all reasonable and necessary steps to claim from the airline, the

Company will pay a pro-rata portion of the benefits. The Company’s liability will be calculated by

reducing the benefits by the amount for which the Company considers the airline to be liable.

C. Currency

All amounts are shown in United States Dollar. If expenses are incurred in a foreign currency the

rate of exchange used will be the rate at the time of incurring the expense or suffering a loss.

D. Endorsements

This Policy may be extended, amended or altered by the Company issuing an endorsement,

provided that the application is made in writing to the Company prior to the expiry of the

existing Policy and there are neither existing nor initiated claims on the existing Policy.

E. Liability

The Company shall not be liable or responsible for: a) the negligence, wrongful acts and/or

omissions of any legal and/or health care professional or any other person or persons or legal

entity that provide direct or indirect service to the Insured Person; b) The failure of any agent or

broker to explain adequately the terms, conditions, endorsements, terminations and exclusions

of this Policy.

F. Language

The official version of this Policy is in English. Words in the singular include the plural and vice

versa and words in the masculine gender include the feminine gender.

G. Marketing

Should any discrepancies arise between the Policy and any literature received by the Insured

Person, the Terms, Conditions, Endorsements, Terminations and Exclusions in the Policy will

govern in all cases.

H. Misrepresentation

This Policy shall be considered void (at the discretion of the Company) in the event of

misrepresentation, mis-description or non-disclosure by or on behalf of the Insured Person of

any information material to this Policy.

I. Other financial products and services

The Company will accept no liability whatsoever for any of the insurance or other financial

products or services which are sold in conjunction with this Policy that are provided or

underwritten by any other insurance or assurance companies and/or assistance companies

and/or financial providers.

General Conditions

J. Other insurance

Except for Section 4.1 - Personal Accident, if the Insured Person is able to claim under any other

policies (including statutory insurance and/or automatic credit card travel insurance) to be

covered for the whole or any part of an Insured Event (“Other Claims”), the Company will only

be liable to pay its pro rata portion of the claim submitted in terms of this Policy.

- If in the Company’s discretion it decides to pay the claim in full, then it will not be obliged to

make payment unless the Insured Person cedes to the Company all of their rights in respect

of the Other Claims.

- If the Company has already paid benefits in terms of this Policy, all of the Insured Person’s

rights in respect of the Other Claims will be ceded automatically to the Company.

- Without limiting any provision of this Policy or any legal obligation, the Insured Person must

cooperate fully with the Company in relation to the Other Claim or legal proceedings

including: a) not doing anything to prejudice or limit the Company’s rights; b) giving the

Company whatever information and documents it may require; c) signing any document or

affidavit that the Company may request to enable it to exercise its rights.

K. Third Party

This Policy is between the Company and the Insured Person only and all of its provisions and

conditions are for the sole and exclusive benefit of those parties. Nothing in this Policy,

expressed or implied, is intended to confer upon any other person any rights or remedies of any

nature whatsoever under this Policy or any of its provisions. Without limitation, no third party

shall have any rights under this Policy or any right to receive Policy benefits. Receipt of Benefits

paid will be a valid discharge of the Company’s liability under this Policy.

This Policy cannot be ceded, assigned or in any way transferred to a third party. Benefits shall be

payable only to the Insured Person or his legal representative.

L. Public Conveyance tickets

The Company has the right to utilize the Insured Person’s Public Conveyance ticket to offset the

Company’s expenses.

M. Table of Benefits

The Table of Benefits referred to in this document is the Table of Benefits as listed in Section 2.

N. Country of Issuance Law

This Policy will be governed by the laws of country where the policy has been issued and its

courts shall have exclusive jurisdiction to the exclusion of the courts of any other country.

O. Subrogation

The Company has the right to commence or take over legal proceedings in the Insured Person's

name for the defense or settlement of any claim, or to sue or prosecute any other party to

recover monies payable by them at law. The Insured Person must co-operate with the Company

and do nothing to hinder the Company’s rights.

P. Tax or Imposts

The onus will always be on the Insured Person to ensure, correctly admit and pay any tax liability

in consideration of any benefit being paid that may incur tax or imposts of any nature.

General Conditions

Q. Economic Sanctions Exclusions

If, by virtue of any law or regulation which is applicable to an Insurer, its parent company or its

ultimate controlling entity, at the inception of this Policy or at any time thereafter, providing

coverage to the Insured is or would be unlawful because it breaches an applicable embargo or

sanction, that Insurer shall provide no coverage and have no liability whatsoever nor provide any

defense to the Insured or make any payment of defense costs or provide any form of security on

behalf of the Insured, to the extent that it would be in breach of such embargo or sanction.

R. Data Disclosure

By executing this application or by entering into this contract of Insurance, the Insured consents

to the Insurer processing data relating to the Insured for providing insurance products and

services, legal, administrative and management purposes and in particular to the processing of

any sensitive personal data relating to the Insured.

The Insured consents to the Insurer making such information available to third parties including

but not limited to any Group Company, those who provide products or services to the Insurer or

any Group Company, and regulatory authorities, within and outside the Insured’s country of

domicile. To review our privacy policy, go to http://www.aig.ae.

S. Complaints and Disputes

If you have a complaint about your policy, please contact:

Customer Service Group

American Home Assurance Company (Dubai Branch)

JW Marriott, Office Block A, 5th Floor

P.O. Box 40569, Dubai, UAE

Tel: +971 4 214-3000, Fax: +971 4 214-2018

E-mail: [email protected]

Claims Conditions

VII. CLAIMS CONDITIONS

A. Compliance

The Insured Person must follow the Company’s advice or instruction otherwise the Company

may decline to pay the whole or any part of the claim.

B. Legal action

If the Company denies liability for any claim and the Insured Person does not institute legal

action and serve summons on the Company (or initiate arbitration proceedings if the Company

has agreed to submit to arbitration) within 36 months after such repudiation, all benefits of such

claim shall be forfeited.

C. Notice of claim and proof of loss

The Insured Person must give the Company notice in writing:

1. Within 60 days of an Accident which may give rise to a claim under this Policy Any benefit

related to death will only be payable if the Company receives written notification of the

death within 30 days. The Company shall have the right to have a post mortem examination

of the body conducted.

2. Within 30 days of any other occurrence which may give rise to a claim under this Policy.

The Insured Person must, at his own cost, provide whatever certificates, information and

documented evidence (“Evidence”) is required by the Company regarding the Insured Event.

D. Recoveries

All recoveries net of the Company’s actual recovery costs will be distributed firstly to the

Company for all amounts paid and any remainder will be paid to the Insured Person.

E. Fraudulent Claims

If the Insured Person or anyone acting on his behalf uses any fraudulent means or devices to

obtain any benefit, then any amount payable in respect of such claim shall be forfeited, the

Policy will be cancelled and no Premium will be refunded.

F. General

1. The Insured Person shall submit to medical examination at the expense of the Company as

often as shall be required in connection with any claim. Any report generated as a result of

such examination shall be the property of the Company and shall be deemed to be

confidential information of the Company.

2. Medical Treatment shall be sought and followed promptly on the occurrence of an Injury or

Illness and the Company shall not be liable for that part of any claim which in the opinion of

a Medical Practitioner arises from the unreasonable or willful neglect or failure of any

Insured Person to seek and remain under the care of a qualified Medical Practitioner.

3. All claims arising from criminal incidents are to be supported and accompanied by a certified

police report.

4. The due observance and fulfillment of the Policy insofar as it relates to anything being done

or complied with by the Insured Person, shall be a condition precedent to liability to make

any payment under this Policy.

5. The Company shall have the right to access any current or prior medical records of the

Insured Person in order to finalize and/or proceed with the assessment of a claim and/or

render medical assistance. By virtue of this clause, the Insured Person shall be deemed to

have given the Company written consent to access any of the Insured Person’s current or

prior medical records.

6. No amount payable in terms of this Policy shall bear any interest.