You need medical help
(for sudden and unexpected illnesses, excluding pre-existing medical conditions)
Overseas medical expenses for hospitalisation and associated expenses
overseas out-patient medical expenses
You are in a serious accident
(and die whilst on your trip or suffer a total permanent disability)
Compensation for death or permanent disability as a benefit
You need medical evacuation
(for sudden and unexpected illnesses, excluding pre-existing medical conditions)
Medical evacuation costs including medicalised transport and repatriation costs
You die, whilst on your trip
(in a serious accident or as a result of sudden and unexpected illnesses, excluding pre-existing medical conditions)
For costs of repatriating your mortal remains to Mauritius and
for funeral and coffin expenses
You have to return home early
(due to unforeseeable events beyond your control (e.g. a close relative is hospitalised due to serious injury or your home is destroyed by fire)
For additional travel expenses incurred for emergency return
You are repatriated
(following medical evacuation or death)
For costs incurred for the repatriation of the other Insured persons travelling together, to their place of residence in Mauritius.
You are hospitalised
(for more than 10 days during your trip)
The air fare costs of a return ticket for a close relative to visit you.
You have to cancel your trip(due to unforeseeable events outside of your control (e.g. sudden illness)
For cancellation and modifications costs incurred as well as additional costs (e.g. accommodation expenses)
Your flight is cancelled
(due to bad weather and/or natural disaster)
due to bad weather and/or natural disaster For cancellation and modifications costs incurred as well as additional costs (e.g. accommodation expenses)
Your travel Is delayedFor operational reasons (e.g. if the airline delays your flight due to mechanical reasons)
For any reasonable additional meals and accommodation; or refund of pre-paid travel arrangements
Your bags are delayed
(by the airline or other carrier)
For essential items to tide you over until your baggage arrives
Your passport or travel documents(are lost or stolen)
The costs associated with such replacement and the costs incurred in obtaining such documents
Your luggage and personal effects
(are stolen, accidentally lost or damaged)
For costs associated for repair or replacement of the damaged, lost or stolen items
You become legally liable(when your negligence leads to injury or loss/damage to property (personal liability))
For amounts that you are legally liable for (i.e. compensation) as well as reasonable legal costs
You flight arrangements need to be changed
(due to unforeseeable events outside of your control (e.g. sudden illness))
For reimbursement of fees to change the date on your flight ticket
You need 24-hour travel assistance(during your trip)
For round-the-clock assistance whether you need flight information, legal assistance or a message to be sent home or help dealing with a medical emergency
You need concierge services
(during your trip)
For information about your destination during your travel and can help you select restaurants, reserve golf tee times or secure tickets for local events
You are injured or die or suffer a total permanent disability whilst on your trip(as a result of a terrorist attack or war related events)
Compensation for death or permanent disability as a benefit as well as medical expenses incurred as per your policy limit
You go skiing or participate in any adventure sports
(during your overseas trip)
For compensation as a result of death or permanent total disability as well as medical expenses as per policy limit
You need to cancel your existing bookings(for your trip due to unforeseeable events outside of your control (e.g. sudden illness))
For costs incurred as cancellation fees charged by your service providers
100
100
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