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FAQ's

When travelling, many customers rely upon “automatic free cover” which may be a benefit of an airline or travel package purchased with a credit card. The cover provided is extremely limited and may prove to be of little benefit to a traveller. If you do not request a full policy document before your travels, then you will only be made aware of the cover and exclusions when a claim is being rejected. This could have a very negative impact on your long planned holiday. One such example of a restricted travel insurance benefit is as follows: The credit card holder suffers an injury and needs to be hospitalised whilst abroad. The credit card cover usually does not cover additional expenses for a travel companion who is not receiving medical treatment.Usually pre-existing medical conditions are also excluded on the free travel insurance cover provided by your credit card.

The cover, if provided, differs from company to company and generally is only for medical or illness related expenses. Costs in the unfortunate event of repatriation is not covered. These costs in foreign currencies can quickly become astronomical. For international journeys, most medical aids exclude pre-existing medical conditions for the preceding 12 months prior to a journey. Most medical aids use what is called a “worldwide rate”, which means that the full medical cost is not provided but rather a pre-determined percentage amount of the benefit. The traveller could end up with medical bills not covered by the medical aid and would have to settle these out of their own pocket. Medical aids only provide medical cover, they do not pay any related expenses towards the travelling companion. For instance, extra hotel accommodation or flights. Only the medical and related cost of the PATIENT is covered – not the rest of the family or companion. Your medical aid would not cover any flight delays, missing luggage or even strikes and riots.

Instead of buying a single policy per person, you have the option of buying a corporate declaration policy which will involve much less administration for you as well as a cost saving. This policy is based on the number of days travelled per year and will be subject to a upfront minimum deposit premium which will be adjusted at the end of the 12 month policy period. Some travel insurers have online systems where you can do the declaration yourself and will have the travel documents, including the VISA letter within a couple of minutes.

Yes, you will be covered while working, as the working portion of your trip does not exceed 50% of your total stay.

It is best to rather buy the business industrial policy in the likely event of you having to assist with any of the loading. Rather be safe than sorry.

Instead of buying a single policy per person, you have the option of buying a corporate declaration policy which will involve much less administration for you as well as offer a cost-saving benefit. This policy is based on the number of days travelled per year and will be subject to a upfront minimum deposit premium which will be adjusted at the end of the 12 month policy period. Some travel insurers have online systems where you can do the declaration yourself and will have the travel documents, including the VISA letter within a couple of minutes.