BENEFITS

UP TO US $

(1) PERSONAL ACCIDENT

Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. Maximum coverage is doubled when the Insured Person is traveling as a fare-paying passenger on a public conveyance. The limit of cover for children under 18 and persons over 75 years old is US$ 20,000. Doubling benefit is not applicable to children under age 18 and persons over age 75.

(2) MEDICAL EXPENSES & EMERGENCY ASSISTANCE

The cost of medical treatment arising from illness or accidental injury. Maximum limit for persons over age 75 is US$ 50,000.

Medical Expenses - Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of US$ 300 per day for hospital room and board, and US$ 1,000 if the room fee includes the fees for all the professional services.

Follow-up Care - Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country.

Emergency  Evacuation - Emergency evacuation to the nearest facility capable of providing adequate medical care.

Repatriation - Repatriation to the country of origin when the Company and the attending physician determine that it is necessary

Hospital Expenses Guarantee - Guarantee eligible medical expenses when hospital bills exceed US$ 2,500

Additional Costs of Travel & Accomodation - Additional traveling costs of the insured person for returning to the country of origin and additional costs of accommodation incurred by the Insured Person and an insured family member or traveling companion when such costs arise from hospitalization due to a covered disability necessitating medical treatment of the Insured Person.

Family  Member Visit - Traveling costs for 2 immediate family members to join the Insured Person who is confined in hospital for more than 3 days or is dead abroad.

Return of Children - Reasonable additional accommodation and traveling expenses for unattended insured children (age below 14) return to the country of origin.

Burial and Funeral - Transportation charges for repatriation of the mortal remains to the country of origin.

Referral Services - All referral services such as legal assistance, interpreter, obtaining replacement of lost travel document or air ticket,etc.

(3) HOSPITAL CASH ALLOWANCE

US$ 50 for each complete day the insured person is hospitalized over 24 hours as a result of a covered disability.

(4) BAGGAGE AND PERSONAL EFFECTS

Loss or damage directly resulting from  accident, theft, burglary, robbery or mishandling by carriers to the Insured Person's baggage or personal items carried. The limit is US$ 250 per item and US$ 500 per pair or set. Loss od laptop computer is limited to US$ 500

(5) BAGGAGE DELAY

Emergency purchases of essential items of toiletries and clothing up to a maximum of US$ 65 per  article when the checked baggage is delayed for atleast 12 hours from the time of arrival at destination.

(6) LOSS OF TRAVEL DOCUMENT

Cost of obtaining replacements of passport, air tickets, travel expenses and accommodation incurred to obtain such replacement arising from  theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is US$ 200 for PLAN A, US$ 150 for PLAN B and US$ 100 for PLAN C.

(7) PERSONAL MONEY

Loss of cash, bank notes and travelers checks arising from theft, burglary or robbery

(8) TRAVEL DELAY

Additional Travel Cost - Transportation expenses necessarily incurred as a direct consequence of travel delay resulting from serious weather conditions, industrial action, hijack, mechanical derangement only id the Insured Person has to re-route his trip due to cancellation of a prior  confirmed booking.

Cash Allowance- If the Insured Person need not pay additional traveling cost in the event of travel delay, the Insured Person will be indemnified at US$ 25 for each full 12 hours delay.

(9) CURTAILMENT OF TRIP & CANCELLATION CHARGES

Reimbursement of irrecoverable prepaid travel arrangement deposits and any increased costs of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person , witness summons, jury service, compulsory quarantine; natural disasters at the planned destinations or complete destruction of the Insured Person's principal residence.

(10) PERSONAL LIABILITY

Indemnity against legal liability to a third party as a result of accidental injury or loss or damage to property during the Period of Insurance.( This benefit does apply to the use or hire of  motor vehicles.)

(11) INCIDENTAL HOME COUNTRY COVER

An Insured Person may return to the country of origin for incidental visits for a consecutive period up to 14 days provided that the Period of Insurance is not less than 31 days.

(12) OPTIONAL RENTAL CAR PROTECTION(for adult between 23 and 75)

Loss or damage occurs to a rental car result directly from fire, theft, collision or vandalism. Deductible: US$ 250