BENEFITS
Travel Protect
PERSONAL ACCIDENT
Bodily injury occurring during the journey caused by violent accidental external and visible means which injury shall solely and independently of any other cause result in accidental death and permanent total disability.
MEDICAL TREATMENT
In the event of illness or injury of the Policyholder occurring outside the Philippines, the Company will meet the usual, customary, necessary and reasonable costs of hospitalization, surgery, medical fees, professional fees and pharmaceutical products, prescribed by the attending doctor.
FUNERAL ASSISTANCE
Reimburses the Policyholder for the cost incurred for funeral service, burial or cremation services in the event of loss of life due to an accident.
FIRST MEDICAL ASSISTANCE
(IN CASE OF PRE EXISTING ILLNESS)
Includes Emergency Medical, Surgical and Hospital Treatment and Ambulance cost. This cover is limited to in-patient cases and subject to the limit provided in the Policy Schedule
HOSPITAL INCOME
This provides a daily income up to ten (10) consecutive days of your hospitalization in excess of 24 hours from the time of admission.
PERSONAL LIABILITY
This cover may incur if the covered person causes another person's accidental death, bodily injury or damage to property because of situations beyond the Policyholder's control while traveling.
BAGGAGE DELAY
The Company will pay the Policyholder for the purchase of necessary clothing and toiletries if the checked-in baggage accompanying the Policyholder has been delayed, misdirected or temporarily misplaced in delivery for more than six (6) hours from the time of the arrival at the overseas destination up to twenty four (24) hours. The Policyholder can be compensated only once per covered trip for either Baggage Delay or Inconvenience Cash Assistance for Baggage Delay.
LOSS OR DAMAGE OF BAGGAGE/PERSONAL EFFECTS
Checked-In: The Company will pay for loss or damage to the Policyholder/s baggage and personal effects during the period of insurance up to the limits stated in the Schedule of Benefits
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Not Checked-In: The Company shall indemnify for material losses sustained by the Policyholder's luggage or personal belongings, when traveling outside the Usual Country of Residence, in cases of robbery and burglary within hotel rooms, where these are duly locked.
LOSS OF TRAVEL DOCUMENTS
The Company through its service provider abroad will settle all reasonable expenses incurred if travel documents were lost due to robbery, burglary, theft or Acts of Nature whilst overseas.
TRIP CANCELLATION
The Company will reimburse up to the limits stated in the Schedule of Benefits the non refundable portion of the travel accommodation expenses, if the trip has to be cancelled due to serious illness, serious bodily accident, or death, sustained by the Policyholder or an immediate family member.
TRIP TERMINATION
The Company will reimburse the Policyholder, up to a limit of the plan, for the proportional part of the value of the journey forfeited (which are non-refundable) if the travel has been cut short due to serious illness, serious bodily accident or death sustained by the Policyholder or an immediate family member.
DELAYED DEPARTURE (OUTBOUND AND INBOUND)
The Company will pay for the first part of the Policyholder's booked outbound or inbound international journeys (by aircraft, ship, cruise ship, coach or cross-channel train) if delayed by at least (6) hours because of acts of nature or a mechanical breakdown.
MISSED CONNECTION
The Company will compensate the Policyholder up to a limit of the plan, if the carrier contracted were delayed by six (6) hours because of a technical failure, meteorological problems or Acts of Nature, intervention by the Authorities or by other people using force, or the Policyholder being involved in a vehicular accident or had a mechanical breakdown.
DIVERSION OF TRIP (OUTBOUND AND INBOUND)
If the carrier contracted were diverted because of a technical failure, meteorological problems or Acts of Nature, intervention by the Authorities or by other people using force, the Company will compensate the Policyholder up to a limit of the plan.
HIJACK
The Company will provide a daily allowance for a maximum of ten (10) days for each full day for the delay or interruption of the journey in excess of a waiting period of twelve (12) hours which prevents the Policyholder from reaching the scheduled destination of the aircraft on which he or she is a passenger as a result of hijack.
LOCATION AND FORWARDING OF LOST OR STOLEN LUGGAGE/PERSONAL EFFECTS
The Company will furnish the Policyholder with advice on reporting the robbery or loss of his/her luggage and personal possessions and will collaborate in arrangements for locating them.
EMERGENCY DENTAL CARE
The Company will provide the Policyholder with the dental assistance required abroad and meet the cost for strictly necessary emergency dental treatment of natural teeth only for the immediate relief of pain and not occasioned by the previous deteriorated state of the teeth, gums or jaws up to the limit provided in the Policy Schedule.
LOSS OF PERSONAL MONEY
The Company will reimburse the Policyholder up to the maximum benefit amount for replacing the Policyholder's personal money/cash, traveller's cheque, if it is lost or stolen due to robbery, burglary, or Acts of Nature and which were in the Policyholder/s care custody or control during a Trip.
ADVANCE OF MONEY
The Company through its service provider abroad shall advance funds on behalf of the Policyholder up to the limit indicated in the Plan, in respect of actual loss of cash, traveller's cheques, due to robbery, burglary, mugging or Acts of Nature which were in the Policyholder's care custody or control during a Trip.
CAR RENTAL EXCESS PROTECTION
The Company will reimburse any excess or deductible that the Policyholder becomes legally liable to pay in respect of loss or damage caused by an accident to the rented vehicle during the rental period, up to the limit indicated in the Plan.
DELIVERY OF MEDICINE
The Company will take charge of delivering the medicines (including medicines of pre-existing illness) prescribed urgently by a doctor for the Policyholder during the trip and which cannot be found in the place where the Policyholder had travelled to or be replaced by medicines that have a similar composition. Cost of medicines is excluded from this guarantee.
RELAY OF URGENT MESSAGES
The Company will reimburse the Policyholder for reasonable communication expenses incurred by the Policyholder to contact the Company's Assistance Center.
EMERGENCY MEDICAL EVACUATION/REPATRIATION
In the event of an accident or sudden illness, the Company will take charge of transferring or repatriating the Policyholder to a properly equipped health centre or to his/her Usual Country of Residence.
CARE OF MINOR CHILD(REN)
Should the Policyholder be hospitalized due to sudden illness or accident for more than ten (10) days or is deceased, and accompanied by a minor during the event and if no adult accompanies the said minor, the Company will meet the cost in respect of an economy round-trip (inbound and outbound) transfer of one immediate family member, having the same country of residence as the Policyholder to accompany the Policyholder and minor considering this minor is unable to travel by his/her own means of transport or the means of transport used for the initial trip.
REPATRIATION OF MORTAL REMAINS
In the event of the death of the Policyholder, the Company will make the arrangements necessary for his/her transport or repatriation and will meet the cost of the transfer expenses to the place of interment, cremation or funeral ceremony in the Philippines.
COMPASSIONATE VISIT
In the event that the Policyholder should be admitted to the hospital for more than five (5) days as a result of an accident or illness covered in the policy, the Company will take charge of the transfer of immediate family member from the Philippines, including meeting the cost of the outbound and return journey (economy ticket) to the place of hospitalization and the accommodation expenses there up to a limit indicated in the Plan, maximum of 10 days. This guarantee does not include the maintenance of the person transferred.