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Travel Insurance or People With Medical or Physical Disadvantages and for Accompanying Family and friends U.K Residents Only Our Way Travel has long realised the need for a Travel Policy especially put together with Medically and Physically disadvantaged people in mind and are pleased to announce this specialised policy for 2000. NOTE: Cover is for Medically or Physically disadvantaged people up to the age of 60 years inclusive and ALL accompanying family and friends MUST be insured under the same policy. Before a person can be considered for cover this proposal form must be completed and submitted to your agent with an Our Way Medical Certificate to be completed by the applicants Consultant or Doctor. It is important that both the application form and medical certificate are CLEARLY completed as illegible applications will be refused. ALL Insureds must take out an E111 (available from your local post office) for ALL EUROPEAN Destinations. This offers minimal health benefits in certain European countries however it will not provide the full benefits of this policy such as Ambulance charges or repatriation. We must remind you that this is a specialised policy which has taken years to put together specifically for people with Medical/Physical Disadvantages when they are unable to get cover anywhere else to allow them to travel. Therefore whilst we manage to accept most applications there are unfortunately some we are unable to accept to safeguard this scheme for the future and hopefully eliminate the hardship most people have when trying to find such insurance. An indication of premiums are listed opposite which are subject to Insurance Premium Tax and whilst generally these premiums will apply some applications may require an exclusion and occasionally an additional premium. THE FOLLOWING IS A BRIEF SUMMARY OF THE COVER, CONDITIONS AND EXCLUSIONS TO THE OUR WAY POLICY BUT PLEASE REFER TO YOUR CERTIFICATE OF INSURANCE FOR COMPLETE DETAILS OF THE COVER, CONDITIONS AND EXCLUSIONS. The Summary of Cover 1. Medical & Emergency Expenses up to £1,000,000 AREA 2, 3 & 4 ONLY This Section also includes the services of Mercury International Assistance & Claims Ltd, who will provide immediate help in the event of an Insured Person’s illness or injury arising outside the United Kingdom during the period of Insurance. They provide a 24-hour multi-lingual emergency service 365 days a year, including repatriation arrangements where necessary. 2. Personal Accident £5,000 For loss of limbs, eyes, or Accidental Death £5,000. 3. Baggage up to £1,000
**OPTIONAL COVER** For an additional 15% premium loading Cancellation cover under the following section can be purchased provided Insurers can accept your application for this cover. Please note that Curtailment cover will automatically be included at no additional premium provided your application has been accepted for sections 1-3. 4. Cancellation & Curtailment up to £2,000 Cancellation cover is only available 30 days prior to your scheduled departure. Cover for holiday deposits paid is only available 90 days prior to scheduled departure and must be no more than 10% of the total holiday costs. Cancellation cover is only available under this section if you have paid the additional premium and been accepted for cover. EXCESS: Insurers shall not be liable for the first £100 of each and every loss each Insured Person each Section for (1). Medical Expenses, section (3). Personal Luggage or Section (4). Cancellation and curtailment. GEOGRAPHICAL LIMITS Definitions: Area 1 - UK. United Kingdom including the Channel Islands and the Isle of Man. Area 2 EUROPE (including the Republic of Ireland). Mediterranean Islands, Morocco, Algeria, Tunisia, Turkey, Canary Islands, Madeira, and Russia West of the Ural Mountains. Area 3 - World-wide (Excluding USA/Canada & Carribbean) Area 4 - World-wide (Including USA/Canada & Carribbean INDICATION OF PREMIUMS Valid until 31.12.2000
ALL above premiums are subject to an addtional 17.5% Government Insurance Premium Tax DISCOUNT & LOADINGS: Persons WITH a Medical or Physical Condition:- Children: up to 15 years inclusive (up to 19 years if in full time education) 2 X above premiums Adults:
MAXIMUM AGE Years and 60 Years Inclusive at issue date of insurance. Persons WITHOUT A Medical Condition:
(Above discounts subject to travelling with an insured adult) MAXIMUM AGE LIMIT 60 years at issue date of Insurance. NOTE. ALL persons MUST have taken out an E111 form for ALL European destinations (Available from your Post Office). ALL persons accompanying the Medically/Physical Disadvantaged person MUST be insured under this policy. |
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