Al-Hilal Travel Takaful Protection

This Takaful certificate is for residents of UAE for travel outside of UAE

This Takaful certificate does not cover claims relating to pre-existing medical conditions.

 

Important Telephone Numbers

Customer Services:	UAE +971 4 270 8705
24hr emergency medical assistance (for medical emergencies or curtailment requests):	UAE +971 4 270 8705
Claims (Reimbursement):	UAE +971 4 270 8705

 

Note

Contact should always be made with the 24-hr Emergency Medical Assistance line if you are hospitalized or where medical costs are likely to exceed US$ 250. Failure to do so may mean that you will not receive the correct level of treatment or your claim may not be paid. This Takaful certificate is now including the COVID19 cover under Emergency Medical and Related Benefits.

	Contents
		Page
Preamble to the Takaful certificate		3
Important Takaful definitions		4
Summary of cover		5-6
Important information		7
Definition of words		8-10
24-hour emergency medical assistance		10
Health declaration and health exclusions		11
General exclusions		12
Conditions               13 Making a claim 14-15 Making a complaint		15
Cancellation or curtailment charges – Section 1		16-17
Emergency medical expenses – Section 2		17-18
Loss of travel documents – Section 3		19
Delayed personal possessions – Section 4		19
Personal possessions – Section 5		20
Personal accident – Section 6		21
Missed departure – Section 7		22
Delayed departure – Section 8		22
Personal liability – Section 9		23
Legal advice and expenses – Section 10		23
Credit Card Fraud– Section 11		24
Flight Overbooking – Section 12		24

Preamble to the Takaful certificate – Participation in a Takaful Scheme

In the Name of Allah the Most Gracious the Most Merciful

 

Principal of Takaful

Takaful is a scheme based on joint-guarantee, brotherhood, solidarity and mutual co-operation among a group of people called participants to help and provide financial assistance to each other. The objective of the scheme is to provide financial protection to The Participants through the principles of Takaful, which encourage people to co-operate and help one another for a good cause as embodied in the teaching of Islam.

“…Help you one another in righteousness and piety, but do not help one another in sin and rancor..” (Al-Maidah, verse 2) In line with this concept The Participant shall agree to contribute a sum of money called Takaful Contribution into a common takaful fund called General Takaful Fund (hereinafter called GTF). With the payment of The Takaful Contribution, The Participants shall be entitled to the benefits provided under the terms and conditions of The Takaful Certificate in accordance with the Islamic Shari’a principles of co-operation, mutual help and joint indemnity.

The Company, as a scheme manager, acts as an agent (wakeel) in managing the takaful operations on behalf of all The Participants. In return, The Company is entitled to a wakalah fee which is deducted from The Takaful Contributions paid by The Participants. The wakalah fee would be used by the Company to pay for its operational expenses. As approved by the Fatwa and Shari’a Supervisory Board of the Company, the wakalah fee may constitute up to a maximum of 20% of the takaful contribution.

The GTF shall be used for payment of claims (Takaful benefits) to The Participants who are eligible in accordance with the terms and conditions of The Takaful Certificate. The Takaful Contributions used for claims payment are considered as

Tabarru’ for the purpose of solidarity and mutuality as embodied in the principle of Takaful. The Participants authorise The Company to secure retakaful protection whenever necessary to safeguard the GTF. All related takaful expenses such as acquisition costs, payment to retakaful, claims investigations and allocation for reserves shall also be deducted from the GTF.

 

Investment

The Company shall deal exclusively with managing and investing the assets of the GTF and surplus there from, if any, in accordance with the Islamic Shari’a principles as guided by its Fatwa and Shari’a Supervisory Board. The Company undertakes to invest these assets separately from its own assets and free from any liens of its own creditors. Pursuant to this, and in full accordance with the approval of the Fatwa and Shari’a Supervisory Board, The Company is entitled to up to 10% of the investment return, and the balance shall be credited to the GTF.

 

Any losses due to investment and business risks as recognized under the Islamic Shari’a rulings and associated with market conditions are initially borne by the GTF. In conformity with rulings of the Islamic Shari’a as well, The Company shall be liable for any proven loss to assets of the GTF if such loss is due to the act of breach of trust or negligence on part of The Company.

 

Distribution of Surplus

If at the end of the financial year of The Company there is a net surplus in the GTF, The Participants shall be entitled to a share of the surplus. At the same time, with approval of the Fatwa and Shari’s Supervisory Board, The Company is also entitled to a share of the surplus of up to 40%, as an incentive fee.

The surplus from the GTF would be calculated according to actuarial principles and in proportion to the contributions retained in the GTF after retakaful fees.

The Company shall distribute surplus from the GTF as set out below:

• The entitlement of the Participant to the surplus shall be determined by taking into consideration all the claims incurred under the Takaful Certificate during the financial year and after making appropriate provisions for
• If the above is less than the amount of Takaful Contribution earned during the financial year under the Takaful Certificate, the Participant shall be entitled to the share of surplus on the amount of the difference between the Takaful Contribution and the claims and provisions above.

All eligible Participants will be notified of their share of the surplus. If the Participant fails to collect or cash the surplus within a period of 5 years from the date written on the aforementioned notification of surplus, then the Participant shall be considered to have forfeited their right to the share of surplus. Forfeited surpluses shall be transferred to a reserve account under the GTF.

Should the Participant withdraw from the Takaful Scheme before the Expiry Date of the Takaful Certificate, no surplus will be paid.

 

GTF Deficit

In the event that the GTF has a shortfall in fulfilling its takaful obligations, The Company shall grant an interest-free loan (al-qard-al-hasan) from its standby capital to provide for the total amount of any losses in the GTF, which shall be recouped from future surpluses of the GTF.

The whole scheme shall be governed by the principles and provisions of the Islamic Shari’a as advised by The Company’s Fatwa and Shari’a Supervisory Board.

Important Takaful definitions

 

The Company

Means, Al-Hilal Takaful, the scheme manager which runs the Takaful operations, for a fee as agreed, as an agent of The Participant in for providing mutual financial protection and indemnity and making investments of The Takaful Contribution credited to General Takaful Fund (GTF) on terms and conditions as contained in The Takaful Certificate.

Deductions

Means any reduction or discount in The Takaful Contribution allowed to The Participant. The Limit of Liability

Means the amount as shown in The Schedule against the Item ‘The Limit of Liability’ and shall be the maximum amount

of indemnity to The Participant subject otherwise to the terms and conditions of The Takaful Certificate.

The Participant

The person or entity as shown in The Schedule, who has entered into The Takaful Certificate with The Company to get mutual indemnity for loss as per the provisions of The Takaful Certificate and to receive surplus of General Takaful Fund (GTF) on agreed terms.

The Period of Takaful

Means the period as shown in The Schedule during which the Peril Covered should occur in order to be eligible for indemnification under The Takaful Certificate.

The Personal Representative

The person(s) who has/have been nominated to deal with the estate of the Participant upon the Participants death or incapacity. The Personal Representative shall act as though they were the Participant observe, fulfil and be subject to the terms of this Takaful Certificate in so far as applicable.

Re-Takaful

Means transfer of part or whole of the liabilities assumed by The Company under The Takaful Certificate to any other Takaful Operator or Retakaful Operator.

The Schedule

This contains the individual details of The Participant including the name of The Participant and The Period of Takaful

etc. and shall be an integral part of The Takaful Certificate.

The Takaful Certificate

The document signifying the contract between The Company, as the scheme manager and The Participant and the terms and conditions contained therein shall be the sole basis of indemnity and benefits to The Participant.

The Takaful Contribution

Means the amount paid by The Participant to The Company as a consideration for entering in to The Takaful Certificate, which is credited to General Takaful Fund (GTF) on terms as agreed.

The Takaful Scheme

This a scheme that provides mutual financial protection and indemnity for loss or damage among The Participants, where The Company is appointed by The Participant to manage the payment of claims (Takaful benefits) and invest the funds of General Takaful Fund (GTF) as per the terms and conditions as contained in The Takaful Certificate.

Summary of cover

The following is only a summary of the main cover limits. You should read the rest of this Takaful certificate for the full terms and conditions.

Benefits	Limit (up to)	Excess
Section 1 - Trip Cancellation / Curtailment	$1,000	$50
Section 2- Emergency Medical Expenses (Including being diagnosed with COVID-19)	$100,000	$30
- Emergency Medical Evacuation / Repatriation	Inc. Above
- Repatriation of Remains	$2,500
- Dental	$350 Max ($50 per tooth)
- Hospital Cash	$200 Max ($25 per day)
Accommodation costs related to COVID-19 quarantine: If diagnosed with COVID-19	Up to $100 per day (Max 14 days)
- Emergency Family Travel / Visit of close relative	1x Economy Ticket up to $1,000
Section 3- Loss of travel documents	$250	$30
Section 4- Delayed Personal Possessions	$350 ($ 50 per 4 hours)	4 hours
Section 5- Personal Possessions	$750	$30
- Valuables (including Laptop)	$300
- Single item, pair or set limit	$100
- Alcohol, fragrances and tobacco	$50
Section 6- Personal Accident
- Death (including common carrier)	$10,000	Nil
- Loss of sight or limb	$5,000
- Permanent total disablement	$10,000
Section 7- Missed Departure	$250	$30
Section 8- Delayed Departure	$350 ($ 50 per 4 hours)	4 hours

Important information

Thank you for taking out Al-Hilal travel Takaful protection with us.

 

Your schedule shows the sections of the Takaful certificate you have chosen, the people who are covered and any special terms or conditions that may apply.

 

Your policy does not cover everything. You should read this policy carefully to make sure it provides the cover you need. If there is anything you do not understand you should call us on telephone UAE +971 4 270 8705 or write to NEXtCARE Claims Management L.L.C, Eiffel Boulevard Limited Building (Eiffel 2) 1^st floor, Umm Al Sheif, Sheikh Zayed Road P.O.Box:80864 Dubai UAE or email: travel@nextcarehealth.com

 

How your Takaful certificate works

Your Takaful certificate and schedule is an agreement between you and us. We will pay for any claim you make which is covered by this Takaful certificate and happens during the period of coverage.

 

Unless specifically mentioned, the benefits and exclusions within each section apply to each person protected. Your Takaful certificate does not cover all possible events and expenses.

 

Certain words have a special meaning as shown under the heading ‘Definition of words’. These words have been highlighted by the use of bold print throughout the Takaful certificate.

 

Telling us about relevant facts

At the time of taking out this Takaful certificate you must tell us about anything that may affect your cover, for example:

• the health of a close relative who is not travelling with you, but whose health may affect your journey or a travelling companion (see under the heading ‘Health declaration and health exclusions’ of this Takaful certificate); or your redundancy.

 

If you are not sure whether something is relevant, you must tell us anyway. You should keep a record of any extra information you give us. If you do not tell us about something that may be relevant, your cover may be refused and we may not cover any related claims.

 

Certificate rights

Once the Takaful contribution has been paid, your Takaful certificate cannot be cancelled.

 

Takaful certificate excess

Under some sections of your Takaful certificate, you will have to pay an excess. This means that you will be responsible for paying the first part of the claim for each person protected, for each section, for each claim incident. The amount you have to pay is the excess.

 

Data protection

Information about your Takaful certificate may be shared between NEXtCARE, Al-Hilal Takaful subsidiaries or associated companies Mondial Assistance Limited, or any member of the Allianz Global Assistance for Takaful certificate management purposes.

You should understand that the sensitive health and other information you provide may be used by us, our representatives (if appropriate), the company, other Takaful companies and industry governing bodies and regulators to process your Takaful certificate, handle claims and prevent fraud. This may involve transferring information to other countries (some of which may have limited or no data protection laws). We have taken steps to ensure your information is held securely.

Your information will not be shared with third parties for marketing purposes. You have the right to access your personal records.

 

Governing law

This Takaful certificate will be in English. The Takaful certificate will be governed by the applicable federal laws of the United Arab Emirates to the extent these laws are not inconsistent with the rules and principles of Shari’a as interpreted by the Fatwa and Shari’a Supervisory Board of the Company, in which case the latter will prevail. The courts of the United Arab Emirates shall have exclusive jurisdiction with respect to any dispute arising from this Takaful certificate.

 

Third party rights

This Takaful certificate is intended solely for the benefit of you and us. Unless otherwise specifically provided, nothing in this Takaful certificate shall be constructed to create any duty to, or standard of care with reference to, or any liability to, any person or entity not a party to this Takaful certificate.

Definition of words

When the following words and phrases appear in the Takaful certificate document or schedule, they have the meanings given below. These words are highlighted by the use of bold print.

 

Accident

An unexpected event caused by something external and visible, which results in physical bodily injury, leading to total and permanent loss of sight, total and permanent loss of use of a limb or permanent disablement or death, which is claimed for within a year of the incident.

Appointed adviser

The solicitor or appropriately qualified person, firm or company, including us, who is chosen to act for you in your claim for compensation.

Area of cover

• Worldwide Including United States of America, Canada and the Caribbean)
• Worldwide Excluding United States of America, Canada and the Caribbean)

Business associate

Any person in your home country that you work closely with, whose absence from work means that the director of your

business needs you to cancel or curtail your journey.

Company

Al-Hilal Takaful

Doctor

A legally qualified doctor holding the necessary certification in the country in which they are currently practicing, other than

you or a relative.

Departure point

The airport, international train station or port where your journey from your home country to your destination begins and where the final part of your journey back to your home country begins.

Excess

The deduction we will make from the amount otherwise payable under this Takaful certificate for each person protected, for each section, for each claim incident. For example a couple that both have personal possessions stolen from their bag and both incur a medical expense during the same journey, will have a total of four excesses deducted. Two of these will be for the two claims under section 5 (possessions) and two of these will be for the two claims under section 2 (medical).

Family

Means the participant, spouse and eight children up to the age of 18 years. Any number of persons related to the participant (person covered) may be covered under the same Takaful certificate providing all persons travel together and at an additional contribution.

Foreign Country / Abroad

Any country except the UAE.

 

Hazardous activity

The following activities are automatically covered:

• banana boating, cricket, cycling, deep sea fishing, fell walking, glacier walking, golf, hiking, horse riding (not competitions, show jumping, hunting, eventing, polo or rodeo), jet skiing, marathon running, mountain biking, netball, orienteering, parascending over water, ringos, running, safari trekking in a vehicle (must be an organised tour), scuba diving to a depth of 30 metres (if you hold a certificate of proficiency or you are diving with a qualified instructor), snorkelling, surfing, swimming, trekking, wakeboarding, walking, water skiing, windsurfing and

 

There is no cover for:

• any professional sporting activity; or any kind of racing except racing on foot; or
• any kind of manual

 

We may be able to cover you for other activities that are not listed. Please contact Al-Hilal Takaful on telephone UAE + 971 4 270 8705 or email: travel@nextcarehealth.com

Home

Your usual place of residence in the UAE.

 

Journey

A trip that takes place during the period of coverage which begins when you leave home and ends when you get back

home or to a hospital or nursing home in your home country, whichever is earlier.

 

• For single trip cover
  • you will only be covered if you are aged 65 or under at the date your Takaful certificate was
  • trips within your home country are not
  • any other trip which begins after you get back is not
  • a trip which is booked to last longer than 90 days is not

 

• For annual multi-trip cover
  • you will only be covered if you are aged 80 or under at the start date of your Takaful certificate was
  • cover is for short trips of 90 days or less per trip only. There is absolutely no cover offered by this contract whatsoever for trips which are longer than the 90 days per This would include not insuring you for any part of a trip that is longer than 90 days in duration, unless we agree otherwise in writing.
  • trips within your home country are not

Legal action

Work carried out to support a claim that we have agreed to. This includes settlement negotiations, hearings in a civil court, arbitration and any appeals resulting from such hearings other than an application by you: •                to an International Justice or Human Rights court or similar International body; or

• to enforce a judgement or legally binding

Legal costs

Fees, costs and expenses (including the equivalent local goods and services tax) which we agree to pay for you in connection with legal action. Also, any costs which you are ordered to pay by a court or arbitrator (other than damages, fines and penalties) or any other costs we agree to pay.

Pair or set

A number of items of personal possessions (not including ski equipment) that belong together or can be used together.

Period of coverage

• For single trip cover

Cancellation cover begins from the issue date shown on your schedule and ends at the beginning of your journey. The cover for all other sections starts at the beginning of your journey and finishes at the end of your journey.

 

• For annual multi-trip cover

Cancellation cover begins on the start date shown on your schedule or the date you booked your journey, which ever is the later and ends at the beginning of your journey. The cover for all other sections starts at the beginning of your journey and finishes at the end of your journey.

 

• For single trip and annual multi-trip cover

All cover ends on the expiry date shown on your schedule, unless you cannot finish your journey as planned because of death, injury or illness or there is a delay to the public transport system that cannot be avoided. In these circumstances, we will extend cover free of charge until you can reasonably finish that journey.

Epidemic

A contagious disease recognized by the World Health Organization (WHO) or an official government authority in your country of residence or your trip destination.

Pandemic

An epidemic that is recognized as a pandemic by the World Health Organization (WHO) or an official government authority in your country of residence or your trip destination

Quarantine

Mandatory confinement of a maximum of 14 days, intended to stop the spread of a contagious disease to which Insured Person has been exposed.

Personal possessions

Each of your suitcases, trunks and similar containers (including their contents) and articles worn or carried by you

(including your valuables (laptop).

Relative

Your mother (in-law), father (in-law), step parent (in-law), sister (in-law), brother (in-law), wife, husband, son (in-law), daughter (in-law), step child, foster child, grandparent, grandchild, uncle, aunt, nephew, niece, cousin, partner (including common law and civil partnerships) or fiancé(e).

Resident

A person who has their main home in the UAE and has not spent more than six months abroad during the year before the

Takaful certificate was issued.

Ski equipment

This consists of skis, poles, boots, bindings, snowboards or ice skates.

Ski pack

Hired ski equipment, ski school fees and lift passes.

Travelling companion

Any person that has booked to travel with you on your journey.

United Kingdom / UK

England, Scotland, Wales, Northern Ireland and the Isle of Man.

Valuables

Jewellery, watches, items made of or containing precious metals or semi/precious stones, furs, binoculars, telescopes, computer games, any kind of photographic, audio, video, computer, television, fax and phone equipment (including mobile phones), MP3 players, PDAs, electronic games, TVs and CDs, mini discs, DVDs, cartridges, video and audio tapes.

We, our, us

NEXtCARE Claims Management, and Allianz Travel which administers the insurance on behalf of the insurer.

You, your, person covered
Each person shown on the schedule, for whom the appropriate Takaful contribution has been paid.

24-hour emergency medical assistance

Please tell us immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay because of any illness or injury. If you are unable to do this because the condition is life, limb, sight or organ threatening, you should contact us as soon as you can. You must also tell us if your medical expenses are over US$ 250. If you are claiming for a minor illness or accident you should, where possible, pay the costs and reclaim the money from us when you return. You can call 24 hours a day 365 days a year or email.

 

Phone UAE +971 4 270 8709

Email international_dept@nextcarehealth.com

 

Please give us your age and your schedule number. Say that you are covered with Al-Hilal travel Takaful protection. Below are some of the ways the 24-hour emergency medical assistance service can help.

Confirmation of payment

We will contact hospitals or doctors abroad and guarantee to pay their fees, providing you have a valid claim.

 

Repatriation

If our medical advisers think it would be in your medical interests to bring you back to your home or to a hospital or nursing home in your home country, you will normally be transferred by regular airline or road ambulance. Where medically necessary in very serious or urgent cases, we will use an air ambulance. We will consult the treating doctor and our medical advisers first. If you need to go home early, the treating doctor must provide a certificate confirming that you are fit to travel. Without this the airline can refuse to carry any sick or injured person.

 

You can contact us at any time day or night. You will be answered by one of our experienced assistance co-ordinators who you should give all relevant information to. Please make sure you have details of your Takaful certificate before you phone.

 

Health declaration and health exclusions

Exclusions relating to your health

1. You will not be covered for any directly or indirectly related claims (see note at the end of this section) arising from the following if at the time of taking out this Takaful certificate or booking your journey (whichever is later), you: a are being prescribed regular medication;
   
   
   • have received treatment for or had a consultation with a doctor or hospital specialist for any medical condition in the past 6 months;
   • are being referred to, treated by or under the care of a doctor or a hospital specialist; d are awaiting treatment or the results of any tests or investigations;

   If we are unable to cover a medical condition, this will mean that any other person protected by us will not be able to make a claim arising from the medical condition(s). This may even apply if the person with the medical condition(s) obtained cover from another provider.

   • You will not be covered if you travel against the advice of a doctor or where you would have been if you had sought their advice before beginning your journey.
   • You will not be covered if you know you will need medical treatment or consultation at any medical facility during your journey.
   • You will not be covered for any directly or indirectly related claim if, before your journey, a doctor diagnosed that you have a terminal condition.
   • You will not be covered if you were waiting for medical treatment or consultation at any medical facility or were under investigation for a medical condition when your Takaful certificate was issued.
   • You will not be covered if you are traveling specifically for the purpose of obtaining and / or receiving any elective surgery, procedure or hospital treatment.

   Exclusions relating to the health of someone not protected on this Takaful certificate, but whose health may affect your decision whether to take or continue with your journey

   You will not be covered for any directly or indirectly related claims (see note at the end of this section) arising from the health of a travelling companion, someone you were going to stay with, a close relative or a business associate if at the time your Takaful certificate was issued:

   • you were aware they have been receiving medical treatment or consultation at any medical facility for a medical condition in the last 12 months;
   • you were aware they have been awaiting medical treatment or consultation at any medical facility or have been under investigation for a medical condition;
   • you were aware that a doctor had diagnosed them as having a terminal condition, or that their medical condition was likely to get worse in the next 12 months.

Note Indirectly related claims An indirectly related claim means a medical problem that is more likely to happen because of another medical problem you already have. Sometimes these conditions can lead to the development of other conditions. For example if you: suffer from asthma, chronic obstructive pulmonary disease or other lung disease, you are more likely to get a chest infection. have high blood pressure, high cholesterol or diabetes, you are more likely to have a heart attack or a have osteoporosis, you are more likely to break or fracture a have or have had cancer, you are more likely to suffer with a secondary   Level of medical cover provided This is not a private medical protection contract and only gives cover for emergency medical treatment in the event of accident or unexpected illness occurring during your journey.

General exclusions

The following exclusions apply to the whole of your Takaful certificate:

 

We will not cover you for any claim arising from, or consisting of, the following:

1. A relevant fact that you knew about before you travelled, unless we agreed to it in
2. War, invasion, act of foreign enemy, hostilities (whether war is declared or not) civil war, civil commotion, rebellion, revolution, insurrection, military force, coup d’etat, terrorism, weapons of mass destruction.
3. Any epidemic or pandemic, except as expressly covered under Emergency Medical and Related Benefits
4. You not following any suggestions or recommendations made by any government or other official authority including the Ministry of Foreign Affairs during the period of coverage.
5. Your property being held, taken, destroyed or damaged under the order of any government or customs
6. Ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk from nuclear
7. Any currency exchange rate
8. The failure or fear of failure or inability of any equipment or any computer program, whether or not you own it, to recognise or to correctly interpret or process any date as the true or correct date, or to continue to function correctly beyond that date (except under the Emergency medical and associated expenses and Personal accident sections).
9. You acting in an illegal or malicious
10. The effect of your alcohol, solvent or drug dependency or long term
11. You being under the influence of alcohol, solvents or drugs, or doing anything as a result of using these substances (except drugs prescribed by a doctor but not for the treatment of drug addiction).
12. You not enjoying your journey or not wanting to
13. Any loss caused as a direct or indirect result of anything you are claiming for, for example loss of earnings, unless it says differently in this Takaful certificate.
14. Claims relating to pregnancy or childbirth, where the pregnancy is more than 24 weeks at the beginning of your

Conditions

The following conditions apply to the whole of your Takaful certificate. Please read these carefully as we can only pay

your claim if you meet these:

 

1. You are a resident of the
2. You take reasonable care to protect yourself and your property against accident, injury, loss and damage and act as if you are not covered by this Takaful certificate and to minimize any potential claim.
3. You have a valid schedule.
4. You accept that we will not extend the period of coverage:
   • for single trip cover if the original schedule plus any extensions have either ended, been in force for longer than 92 days or you know you will be making a claim.
   • for annual multi-trip cover beyond the expiry of your Takaful certificate.
5. You contact us as soon as possible, but within 30 days of your return home, with full details of anything that may result in a claim and give us all the information we ask for. Please see section ‘Making a claim’ for more
6. You accept that no alterations to the terms and conditions of this Takaful certificate apply, unless we confirm them in writing to you.
7. You are not aged:
   • 65 or over at the date your Takaful certificate was issued for single trip
   • 65 or over at the start date of your Takaful certificate for annual multi-trip

We have the right to do the following

1. Cancel this Takaful certificate if you do not tell us about a relevant fact or if you tell us something that is not true, which influences our decision as to whether cover can be offered or Depending on the circumstances we may report the matter to the police.
2. Cancel this Takaful certificate and make no payment if you, or anyone acting for you, make a claim under this Takaful certificate knowing it to be dishonest, intentionally exaggerated or fraudulent in any way, or if you give any false declaration, deliberate mis-statement or fail to provide any relevant facts when applying for this Takaful certificate or supporting your We may in these instances report the matter to the police.
3. Only cover you for the whole of your journey and not issue a Takaful certificate if you have started your journey.
4. Take over and deal with, in your name, any claim you make under this Takaful certificate.
5. Take legal action in your name (but at our expense) and ask you to give us details and fill in any, which will helpus to recover any payment we have made under this Takaful certificate.
6. With your or your Personal Representative’s permission, get information from your medical records to help us or our representatives deal with any This could include a request for you to be medically examined or for a post mortem to be carried out in the event of your death. We will not give personal information about you to any other organisation without your specific agreement.
7. Send you home at any time during your journey if you are taken ill or We will only do this if the doctor treating you and our medical advisers agree. If there is a dispute, we will ask for an independent medical opinion.
8. Not accept liability for costs incurred for repatriation or treatment if you refuse to follow advice from the treating doctor and our medical advisers.
9. Not refund or transfer your Takaful contribution if you decide to cancel the Takaful certificate.
10. Not to pay any claim on this Takaful certificate (except under the Personal accident section) for any amounts covered by another Takaful certificate or by anyone or anywhere else, for example any amounts you can get back from private health protection / Takaful certificate, any reciprocal health agreements, transport or accommodation provider, home contents Takaful certificate / protection or any other claim amount recovered by you. In these circumstances we will only pay our share of the claim.
11. If you cancel or cut short your journey:
    • All cover provided on your single trip Takaful certificate will be cancelled without refunding your contribution.
    • All cover provided on your annual multi-trip Takaful certificate for that journey will be cancelled without refunding your Takaful contribution.
12. 12.Ask you to pay us back any amounts that we have paid to you which are not covered by this Takaful certificate.

Making a claim

To claim:

Phone UAE +971 4 270 8705 and ask for a claim form or

Write to NEXtCARE Claims Management L.L.C, Eiffel Boulevard Limited Building (Eiffel 2) 1^st floor, Umm Al Sheif, Sheikh Zayed Road, PO80864 Dubai UAE or

Email: travel.claims@nextcarehealth.com

You should fill in the form and send it to us within 30 days of your return home with all the information and documents we

ask for. It is essential that you provide us with as much detail as possible to enable us to handle your claim quickly. Please keep photocopies of all information you send us.

You will need to obtain some information about your claim while you are away. Below is a list of the documents we will need in order to deal with your claim.

For all claims

• Your original journey booking invoice(s) and travel documents showing the dates and times of
• Original receipts and accounts for all out-of-pocket expenses you have to
• Original bills or invoices you are asked to
• Details of any other Takaful certificate / protection you may have that may cover the same loss, such as household or private medical.
• As much evidence as possible to support your

Cancellation or curtailment

• If you need to curtail your journey call UAE +971 4 270 8705 immediately to get our prior
• Original cancellation invoice(s) detailing all cancellation charges
• For claims relating to illness or injury a medical certificate will need to be completed by the treating doctor. A certified copy of the death certificate is required in the event of death.
• If your claim results from any other circumstances, please provide evidence of these

Medical expenses

• Always contact our 24-hour emergency medical service when you are hospitalized (including being diagnosed with COVID-19), require repatriation or where medical fees are likely to exceed US$ 250.
• Medical evidence from the treating doctor to confirm the illness or injury and treatment given including hospital admission and discharge dates, if this applies.
• If you are advised by a doctor at your resort that you cannot go on your pre-booked excursions because of medical reasons, you should obtain a medical certificate from them confirming this.

If your travel documents are lost, stolen or destroyed

• Written confirmation from the Embassy / Consulate where the loss happened detailing the date of loss, notification of loss and replacement together with a written report from the police.

 

Personal possessions

• Report the theft, damage or loss to the police within 24 hours of discovery and ask them for a written police
• If appropriate, you should also report the theft, damage or loss to your courier or hotel / apartment manager and ask for a written report.
• Original receipts, vouchers or other suitable evidence of purchase / ownership / value for lost, stolen or damaged

personal possessions.

• Confirmation, such as foreign exchange receipts and withdrawal slips, from your bank or bureau de change for issuing foreign currency.
• Keep any damaged items as we may need to inspect If we make a payment, or we replace an item, the item will then belong to us.
• Obtain an estimate for repair for all damaged

For loss or damage in transit claims, including delayed possessions

• Please obtain a Property Irregularity Report (PIR) from the airline or a carrier’s report from the rail company, shipping line or their handling This should be done within 7 days of the delay / loss / damage. You have 21 days to write to the airline confirming details of essential replacement items purchased.

Personal accident

• Detailed account of the circumstances surrounding the event, including photographs and video evidence (if this applies).
• Medical evidence from the treating doctor to confirm the extent of the injury and treatment given including, hospital admission / discharge.
• Full details of any witnesses, providing written statements where
• A certified copy of the death certificate if this

Missed departure

• Detailed account of the circumstances causing you to miss your departure together with supporting evidence from the public transport provider or accident / breakdown authority attending the private vehicle you were travelling in.

Delayed departure

Written confirmation from the airline, rail company, shipping line or their handling agent of the scheduled and actual departure times and why the departure was delayed.

Making a complaint

We aim to provide you with a first class Takaful certificate and service. However, there may be times when you feel we have not done so. If this is the case, please tell us about it so that we can do our best to solve the problem. If you make a complaint your legal rights will not be affected.

In the first instance, please contact:

Customer Services Manager NEXtCARE Claims Management L.L.C ,

Eiffel Boulevard Limited Building (Eiffel 2) 1^st floor, Umm Al Sheif, Sheikh Zayed Road

Dubai – UAE PO80864

Dubai UAE

Telephone: UAE +971 4 270 8705

Email: travel@nextcarehealth.com

Please supply us with your name, address, schedule number and claim number where applicable and enclose copies of relevant correspondence as this will help us to deal with your complaint, in the shortest possible time.

Trip cancellation or curtailment - Section 1

If you think you may have to cut your journey short (curtail), we must be told immediately - see under the heading ‘24hour emergency medical assistance’ for more information.

WHAT YOU ARE COVERED FOR

We will pay up to the amount shown in your summary of cover for your part of unused personal accommodation, transport charges and other travel expenses which have been paid or where there is a contract to pay that cannot be recovered from anywhere else.

We will provide this cover in the following necessary and unavoidable circumstances:

 

Cancellation

If you cancel your journey before it begins because one of the following happens:

• The death, serious injury or serious illness of you, someone you were going to stay with, a travelling companion, or a relative or business associate of you or a travelling companion.
• You or a travelling companion is needed by the police following a burglary, or damage caused by serious fire, storm, flood, explosion, subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your home or their home or usual place of business in your home

 

Curtailment

You cut your journey short (curtail) after it has begun because of one of the following:

• Anything mentioned in
• You are injured or ill and are in hospital for the rest of your journey.

NoteWe will calculate curtailment claims from the date it is necessary for you to return to your home country or the date you are hospitalised as an in-patient, for the rest of your journey. We will pay unused personal accommodation and other travel expenses based on each 24-hour period you have lost. If you need to be repatriated, we will not refund the cost of your unused return travel tickets. We will put the value of these tickets towards the extra transport costs we have to pay.

WHAT YOU ARE NOT COVERED FOR

Under Cancellation and Curtailment

An excess of the amount shown in your summary of cover.

Any condition stated under Health declaration and health exclusions.

More than the lowest market value of equivalent accommodation, transport charges and other travel expenses, if payment was made using frequent flyer points, airmiles, loyalty card points, redeemable vouchers or another similar scheme.

Anything caused by:

• you not having the correct passport or visa;
• your carriers refusal to allow you to travel for whatever reason;
• any restriction caused by the law of any country or people enforcing these laws;
• bankruptcy or liquidation of the company providing your transport or accommodation, their agents or any person acting for you;
• anything the company providing your transport or accommodation, their agents, any person acting for you or your conference organiser is responsible for;
• your vehicle being stolen or breaking down;

• you not wanting to travel or not enjoying your journey;
• riot, civil commotion, strike or lock-out;
• you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
• your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another person’s life) for example swimming while under the influence of alcohol or climbing from one balcony to another; - the death of any pet or animal.
• the withdrawal from service of an aircraft, cross-channel train or sea vessel (temporarily or permanently), on which you are booked to travel, by the carrier or on the recommendation or order of any government, civil aviation authority, port authority, rail authority or other similar authority in any country.

Under Cancellation

Any extra cancellation charges, because you did not tell the company providing your transport or accommodation, their agents or any person acting for you, as soon as you knew you had to cancel.

Financial circumstances or unemployment, except caused by redundancy which you find out about after the date your Takaful certificate or travel tickets for your journey were bought (whichever is the later).

Under Curtailment

Cutting short your journey unless we have agreed.

Any costs when you do not get a medical certificate (from the doctor who treated you in the place where you were staying) which says it was necessary for you to come home because of death, injury or illness. Our medical advisers must have agreed with the reason and that you were fit to travel.

The cost of your original pre-booked tickets if you have not used them and we have paid extra transport costs. You travelling on a motorcycle, unless the rider holds an appropriate valid licence and all persons protected are wearing crash helmets.

Anything caused by you taking part in a hazardous activity or winter sports unless shown on your schedule. Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Emergency medical expenses (including being diagnosed with COVID-19) - Section 2

If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or if your medical expenses are over US$ 250 we must be told immediately - see under the heading ‘24-hour emergency medical assistance’ for more information.

WHAT YOU ARE COVERED FOR

We will pay you or your Personal Representative for the following necessary and unforeseen emergency expenses if

you die, are injured, have an accident or are taken ill during your journey(including being diagnosed with COVID-19).

 

It is mandatory to contact us on the number provided in the policy as soon as possible in case you tested positive for COVID-19. Your expenses will only be settled directly with the hospital, clinic or other medical or quarantine facility. If you pay, you will not be able to claim these expenses later. Services which have not been organized by us will not be reimbursed or paid

 

Up to the amount shown in your summary of cover for reasonable fees or charges you incur for:

•         Treatment

Medical, surgical, medication costs, hospital, nursing home or nursing services outside your home country.

•         Emergency family travel

Up to the maximum amount shown on the Certificate of insurance, in the event that the Person Insured has suffered from injury or illness during the insured trip and being confined in a hospital for over six (6) consecutive days.

 Repatriation of remains

Up to the amount shown in your summary of cover for the cost of transporting the body of the person insured to their home

•         Dental

Up to the amount shown in your summary of cover for emergency dental treatment to relieve sudden pain.

•         Accommodation Costs Related to COVID-19 Quarantine

If you are placed in individual quarantine during the trip by order or other requirement of a government, public authority, or travel supplier based on a positive COVID-19 epidemic/pandemic test. This does not include any quarantine that applies generally or broadly to some or all of a population, vessel, or geographical area, or that applies based on where you are traveling to, from, or through.

We will cover your accommodation costs on direct billing, up to the amount limits stated in the summary of cover.

 Hospital Cash

We will pay you $50 a day for each day you are hospitalized for over a continuous 48 hour period while you are overseas. However, no matter how long you stay in hospital, we will pay for all claims combined under this Section up to limit mentioned in the table of benefits for your plan selected

WHAT YOU ARE NOT COVERED FOR

An excess of the amount shown in your summary of cover.

The cost of replacing any medication you were using when you began your journey. Any condition stated under Health declaration and health exclusions.

Extra transport and accommodation costs which are of a higher standard to those already used on your journey, unless

we agree. Anything caused by:

• you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
• your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another person´s life) for example swimming while under the influence of alcohol or climbing from one balcony to another;
• you travelling on a motorcycle, unless the rider holds an appropriate valid license and all persons protected are wearing crash helmets;
• you taking part in any hazardous activity or winter sports unless shown on your schedule. Any costs incurred 12 months after the date of your death, injury or illness.

Any costs for taxi fares and telephone calls (including mobile calls) resulting from an incident claimed for under this section.

Services or treatments you receive within your home country.

Services or treatments you receive which the doctor in attendance and we think can wait until you get back to your home country.

Medical costs over US$250, in-patient treatment, repatriation or courier costs which we have not authorized. The extra costs of having a single or private room in a hospital or nursing home.

The cost of all treatment which is not directly related to the illness or injury that caused the claim.

Your burial or cremation within your home country.

Replacing or repairing false teeth or artificial teeth (such as crowns). Dental work involving the use of precious metals COVID 19

• You travel to a destination in violation of a travel ban issued by the government of your home country or a travel ban issued by a local authority at your trip destination (unless such government or authority has provided exceptional permission for such travel). A travel ban does not include travel advice issued by such government or authority (for example, advice against all but essential travel to a destination).
• The care must be medically necessary
• This coverage will not pay for any care provided after your coverage ends
• This coverage will not pay for non-emergency care or services
• Any test cost related to COVID-19 (PCR or any other test) is not covered The consequences:
• of exposure to chemical agents of a combat gas type,
• of exposure to incapacitating agents,
• of exposure to neurotoxic agents or agents with residual neurotoxic effects which require a quarantine period or specific preventive or monitoring measures by the local and/or national health authorities of the country in which you are staying

 

Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Loss of travel documents - Section 3

WHAT YOU ARE COVERED FOR

We will pay the following if your passport or visas are lost, stolen or destroyed on your journey. Costs for issuing a temporary travel documents

Up to the amount shown in your summary of cover for the cost of extra transport, accommodation and administration costs you have to pay to get a temporary passport or visa to enable you to return to your home country.

 

Remaining value of original travel documents

The equivalent cost (based on the current replacement costs) of the period remaining on your passport or visa that is lost stolen or destroyed.

 

WHAT YOU ARE NOT COVERED FOR

Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

 

Delayed personal possessions - Section 4

WHAT YOU ARE COVERED FOR

 

Up to the amount shown in your summary of cover in total for essential replacement items, if your personal possessions (this does not include valuables) are temporarily lost or stolen on your outward journey for more than 4 hours from when you arrived at your destination.

Note You must send us the receipts for anything that you buy. If the items are permanently lost, we will take any amount that you are due to be paid under this section from the final claim settlement under the Personal possessions section – 5.

 

WHAT YOU ARE NOT COVERED FOR

Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Personal possessions - Section 5

 

WHAT YOU ARE COVERED FOR

 

Up to the amount shown in your summary of cover for your personal possessions damaged, stolen, lost or destroyed on your journey.

 

The most we will pay for valuables whether jointly owned or not is shown the amount shown in your summary of cover. There is also a single article, pair or set limit shown in your summary of cover.

 

We will also pay up to the amount shown in your summary of cover for the costs in arranging the transfer of emergency funds from one of your friends, relatives or business associates in your home country to you, if your cash or credit cards are stolen during your journey.

 

NoteIt will be our decision to pay either: the cost of repairing your items; to replace your belongings with equivalent items; or the cost of replacing your An amount for wear, tear and loss of value will be deducted.

 

WHAT YOU ARE NOT COVERED FOR

 

An excess of the amount shown in your summary of cover.

More than the part of the pair or set that is stolen, lost or destroyed. More than US$50 for fragrances and perfumes.

Breakage of or damage to:

sports equipment while it is being used, fragile articles, audio, video, computer, television, fax and phone equipment. Loss or damage due to the climate, wear and tear, loss in value, process of cleaning, moths or vermin.

The cost of replacing or repairing false teeth.

A claim for more than one mobile phone per person protected. Loss or theft of, or damage to, the following:

• Items for which you are unable to provide a receipt or other proof of purchase
• Films, tapes, cassettes, computer games, electronic games, mini-discs, DVDs, video and audio tapes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
• Goods which deteriorate, bottles or cartons, and any damage caused by these items or their
• Valuables left in a motor
• Valuables carried in suitcases, trunks or similar containers unless they are on your person all the
• Valuables unless they are on your person or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey.
• Contact or corneal lenses, unless following fire or
• Bonds, share certificates, guarantees or documents of any
• Personal possessions unless they are on your person, locked in the accommodation you are using on your journey or they are out of sight in the locked boot or covered luggage area of a locked motor vehicle (no cover for valuables).

• Passport or visas (see section 3).
• Alcohol or tobacco

Costs of transferring funds, unless they are provided to us by one of your friends, relatives or business associates in your home country.

 

Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Personal accident - Section 6

WHAT YOU ARE COVERED FOR

We will pay you or your Personal Representative one of the following amounts for an accident during your journey. Death

The amount shown in your summary of cover for death. (We will not pay more than 10% if you are aged 18 or under at the time of the accident.)

Permanent loss

The amount shown in your summary of cover for total and permanent loss of sight in one or both eyes or total and permanent loss of use of one or both hands or feet.

Physical disablement

The amount shown in your summary of cover for a permanent physical disability as a result of which there is no paid work which you are able to do. (We will not pay any compensation if you are aged 18 or under or aged 65 or over at the time of the accident.)

  

NoteDeath benefit payments will be made to your Personal Representative.

 

WHAT YOU ARE NOT COVERED FOR

 

Any condition stated under Health declaration and health exclusions. Any claim arising more than one year after the original accident.

Anything caused by:

• your sickness, disease or gradually occurring conditions, physical or mental condition that is gradually getting worse unless shown on your schedule;
• you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
• your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another person´s life) for example swimming while under the influence of alcohol or climbing from one balcony to another;
• you travelling on a motorcycle, unless the rider holds an appropriate valid licence and all persons protected are wearing crash helmets;
• you taking part in any hazardous activity or winter sports unless shown on your schedule. We will not pay more than one of the benefits resulting from the same injury.

Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Missed departure - Section 7

WHAT YOU ARE COVERED FOR

We will pay you up to the amount shown in your summary of cover for the cost of extra accommodation and transport which you have to pay to get to your journey destination or back home because you do not get to the departure point by the time advised (i.e. minimum 2 hours prior to departure) in your travel itinerary (plans) because: -                             

•   public transport (including scheduled flights) does not run to its timetable; or  the vehicle you are travelling in has an accident or breaks down.

WHAT YOU ARE NOT COVERED FOR

Any claim unless you:

• get a letter from the public transport provider (if this applies) confirming that the service did not run on time;
• get confirmation of the delay from the authority who went to the accident or breakdown (if this applies) affecting the vehicle you were travelling in; or
• have allowed time in your travel plans for delays which are

Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your Takaful certificate or travel tickets for your journey were bought (whichever is later).

Failure of public transport caused by a riot, civil commotion, strike or industrial action which began or was announced before you left home or where you could have reasonably made other travel arrangements.

The withdrawal from service of an aircraft, cross-channel train or sea vessel (temporarily or permanently), on which you are booked to travel, by the carrier or on the recommendation or order of any government, civil aviation authority, port authority, rail authority or other similar authority in any country.

 

Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Delayed departure - Section 8

WHAT YOU ARE COVERED FOR

Compensation of the amount shown in your summary of cover if the flight, international train or sea vessel you are booked on is delayed at its departure point by more than 4 hours from the time shown in your travel itinerary (plans) because of:

• a serious fire, storm or flood damage to the departure point;
• industrial action;
• bad weather;
• mechanical breakdown of the international train or sea vessel; or
• the grounding of the aircraft due to a mechanical or a structural
•  

WHAT YOU ARE NOT COVERED FOR

Anything which is caused by you not checking in at the departure point when you should have done. Missed connections.

Compensation unless you get a letter from the airline, railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight, international train or sea vessel. Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your Takaful certificate or travel tickets for your journey were bought (whichever is later).

The withdrawal from service of an aircraft, cross-channel train or sea vessel (temporarily or permanently), on which you are booked to travel, by the carrier or on the recommendation or order of any government, civil aviation authority, port authority, rail authority or other similar authority in any country.

 

Please refer to Sections General exclusions, Conditions and Making a claim that also apply.