TRAVEL INSURANCE

What is Covered?

 

Travel insurance protects your financial losses associated with surprise circumstances that could ruin a trip, including illness, Emergency Evacuation and Repatriation, and personality liability, injury, accidents, lost, stolen, or damaged baggage or Personal effect, Travel delay, Hijack, and other issues.

 

We Cover:

Section 1: Overseas Medical and Additional Expenses

Section 2: Emergency Medical Evacuation and Repatriation of Mortal Remains

Section 3: Accidental Death and Permanent Disablement

Section 4: Child Education Subsidy

Section 5: Baggage and Personal Effects

Section 6: Personal Money

Section 7: Travel Documents

Section 8: Personal Liability

Section 9: Deposits or Cancellation Charges

Section 10: Travel Delay (Waiting Period: 6 consecutive hours)

Section 11: Baggage Delay (Waiting Period: 6 consecutive hours)

Section 12: Hijack (Waiting Period: 12 consecutive hours)

 

Additional Benefits: Legal Costs and Expenses and Automatic Period Extension.

Some Exclusions

 

1.       The hijack is less than 12 (twelve) consecutive hours.

2.       Surgery or medical treatment, which in the opinion of the Physician treating you can be reasonably delayed until your return to Cambodia.

3.       Any expenses incurred for services provided by another party for which You are not liable to pay, or any expenses already included in the cost of a scheduled journey;

4.      The Insured Person who has sustained slight injuries, minor lesions, simple fractures and mild sickness, which can be treated locally and which do not prevent the Insured Person from continuing on her/his journey.

5.       Mysterious disappearance and Unexplained.

6.      Loss or damage whilst in the custody of an airline or other carrier, unless reported immediately on discovery and in the case of airline, a Property Irregularity Report is obtained;

7.       Losses not reported to the police within 24 hours and not obtained at the place of loss;

8.      Loss or damage caused by normal wear and tear, gradual deterioration, moths, vermin, inherent vice, mechanical, electrical breakdown, derangement, damage sustained due to any process initiated by an Insured Person to repair, clean or alter any property;

9.      Confiscation by custom authorities.

10.     Loss of money left Unattended in a public place or in an Unattended vehicle or as a result of the Insured Person’s failure to take due care and precautions in safeguarding and securing the money;

11.      Losses not reported to the police within 24 hours and report not obtained at the place of loss;

12.     Willful, malicious or unlawful act;

13.     Pursuit of trade, business or profession;

14.     Ownership, possession or use of vehicles, aircraft or watercraft;

15.     Legal costs resulting from any criminal proceedings;

16.     Caused by cancellation by the carrier;

17.     Cancellation of the journey at the request of the Insured’s employer, spouse or parent;

18.     The Insured Person fails to obtain a written confirmation from the operator of the Common Carrier as to the actual date and time the Insured Person’s Baggage arrives;

19.     The Insured Person’s Baggage is legally delayed, held or confiscated by Customs or other Officials.

Standard Exclusions

 

  1. Deductible USD 30 for each and every claim;
  2. A journey exceeding 90 (ninety) consecutive days for each journey;
  3. Your travelling on or against medical advice, or where the Trip is made solely for the purpose of obtaining treatment;
  4. Pre-existing conditions which have existed before the effective date of cover, whether known or unknown to an Insured Person in so far as the cause and pathology of the conditions have already existed;
  5. Congenital conditions and any physical birth defects arising out of or resulting there from;
  6. Mental and nervous or sleep disorders, including insanity;
  7. Effect or influence of alcohol or drugs, unless the drug is taken in accordance with an authorised medical prescription;
  8. Air travel except as a fare paying passenger on a regular scheduled airline or licensed chartered aircraft;
  9. Any illegal activities, loss resulting directly or indirectly from action taken by Government Authorities including confiscation, seizure, destruction and restriction;
  10. War
  11. Cyber loss, terrorism, political risks, information technology hazards, radioactive contamination, nuclear energy risks, internal trade sanction limitation, asbestosis;
  12. Loss, damage, liability, expense, fines, penalties or any other amount directly or indirectly caused by Epidemic or Pandemic or Infectious Diseases or Coronavirus (Covid-19).

 

 

 

What is the Risk Information for our pricing?

·        Type of your policy if single or annual trip

·        A country where you are travelling.

·        Numbers of Insured Persons insuring under one policy

·        Passport

·        Itinerary