This travel Takaful is only for non-residents of the United Arab Emirates (UAE) travelling to the UAE
Emergency Medical/Dental Coverage
| You have to pay for emergency medical or dental treatment while on your trip. Deductible: USD 30 Dental Care maximum sublimit: USD 350 | USD 45,000 |
Emergency Transportation Coverage | Transportation is needed following a medical emergency while on your trip. Search and rescue maximum sublimit: USD 1,000 | Included |
The above is only a brief description of the coverage available under your policy. Terms, conditions, and exclusions apply to all coverages. Please carefully review your policy for complete details. The definitions of the terms in the Definitions section of the policy will also apply to those terms when used in this Coverage Summary.
Important Notices:
OUR PROMISE TO YOU
Since your satisfaction is our priority, we are pleased to give you 14 days to review your policy. If, during this 14-day period, you are not completely satisfied for any reason, you may cancel your policy and receive a full refund. Please note that this refund is only available if the trip has not started and if a claim has not been initiated.
CONTACT US
For customer service, please:
call: +971 4 270 8705 (8am– 8pm GST, Mon - Fri)
e-mail: travel@nextcarehealth.com
For emergency assistance during your trip, please:
Call: +971 4 270 8705
WhatsApp: +971 56 216 4563
To file a claim, please visit:
https://travelclaims.tatsh.cloud/index.aspx
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 reserves.
• 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, YAS Takaful P.J.S.C, 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.
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 Takaful Certificate
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 policy.
The Takaful Contribution
Means the amount paid by The Participant to The Company as a consideration for entering into 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.
GENERAL CONDITIONS
This policy is underwritten by YAS Takaful P.J.S.C. at Building 72, Al Nayhan, Al Ramlah Street Abu Dhabi, P.O. Box 111644, AE. Claims will be managed by Nextcare, an Allianz Partners appointed Third Party Administrator, which is duly licensed to provide specialised integrated management and technology solutions in the field of claims management and administration.
This policy is our contract with you. Please read it carefully. We have tried to make it simple and easy to understand while also clearly describing the terms and conditions of your coverage. If you have any questions, we are available during our working hours listed in Coverage Summary. Just visit us online or give us a call using the contact information listed in Coverage Summary.
This policy has been issued based on the information you provided at the time of purchase. We will provide the coverages described in this policy in return for payment of The Takaful Contribution and your compliance with all provisions of this policy. You will also notice that some words are italicised. These words are defined in the “Definitions” section. Words that are capitalised refer to the document and coverage names found in this policy. Headings are provided for convenience only and do not affect your coverage in any way.
Your policy consists of 2 parts:
1. The Takaful Certificate; and
2. This General Conditions document, which describes the coverages (including the Coverage Summary, which provides the particular list of coverages and benefits covered), main provisions, exclusions, and conditions that govern this policy.
NOTE:
Not every loss is covered, even if it is due to something sudden, unexpected, or out of your control. Only those losses meeting the conditions described in this General Conditions document may be covered. Please refer to the General Exclusions section of this document for exclusions applicable to all coverages under your policy.
You are eligible for this policy if you meet the following criteria.
You ordinarily reside in the United Arab Emirates (UAE) and you:
a) are a United Arab Emirates (UAE) resident and has not spent more than six months abroad during the year before The Takaful Certificate was issued; and
b) you will purchase your policy in the United Arab Emirates (UAE) before you start your trip; and
c) you intend to return to the United Arab Emirates (UAE) after your trip; and
d) the departure date on your policy reflects the date you are originally scheduled to begin your travel, as shown on your travel itinerary.
If requested by us, you will need to prove your eligibility by providing us with documentation including but not limited to:
i) a copy of your passport; or
ii) United Arab Emirates (UAE) residency documents; or
iii) a copy of your current visa; or
iv) other official documents confirming your right to reside in the United Arab Emirates (UAE); and
v) a copy of your travel itinerary.
WHAT’S INSIDE
DEFINITIONS
Throughout this policy, words and any form of the word appearing in italics are defined in this section.
Accident | An unexpected and unintended event that causes injury, property damage, or both. |
Accommodation | A hotel or any other kind of lodging for which you make a reservation or where you stay and incur an expense. |
Act of war | Any act which is associated with and occurring in the course of war or directly triggering it. |
Adoption proceeding | A mandatory legal proceeding or other meeting required by law to be attended by you as a prospective adoptive parent(s) in order to legally adopt a minor child. |
Baggage | Personal property you take with you or acquire on your trip. |
Climbing sports | An activity utilising harnesses, ropes, belays, crampons, or ice axes. It does not include supervised climbing on artificial surfaces intended for recreational climbing. |
Civil disorder | Any public protest, strike, riot, demonstration, unlawful assembly, or disturbance within a community, region, state, or nation involving acts of violence, destruction of public or private property, lawlessness, disobedience, or obstruction of free access or movement in public areas by assemblages of persons. It does not include any such occurrence that rises to the level of or is connected with any political risk, terrorist event, war, or act of war. |
Cohabitant | A person you currently live with and have lived with for at least 12 consecutive months and who is at least 18 years old. |
Computer System | Any computer, hardware, software, or communication system or electronic device (including but not limited to smart phone, laptop, tablet, wearable device), server, cloud, microcontroller, or similar system, including any associated input, output, data storage device, networking equipment, or backup facility. |
Covered reasons | The specifically named situations or events for which you are covered under this policy. |
Cyber Risk | Any loss, damage, liability, claim, cost, or expense of any nature directly or indirectly caused by, contributed to by, resulting from, or arising out of or in connection with, any one or more instances of any of the following: 1. Any unauthorised, malicious, or illegal act, or the threat of such act(s), involving access to, or the processing, use, or operation of, any computer system; 2. Any error or omission involving access to, or the processing, use, or operation of any computer system; 3. Any partial or total unavailability or failure to access, process, use, or operate any computer system; or 4. Any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any data, including any amount pertaining to the value of such data. |
Departure date | The date on which you are originally scheduled to begin your travel, as shown on your travel itinerary. |
Doctor | Someone who is legally authorised to practice medicine or dentistry and is licensed if required. This cannot be you, a traveling companion, your family member, a traveling companion’s family member, the sick or injured person, or that person’s family member. |
Epidemic | A contagious disease recognised or referred to as an epidemic by a representative of the World Health Organization (WHO) or an official government authority. |
Family member | Includes Your: 1. Spouse (by marriage, common law, domestic partnership, or civil union); 2. Cohabitants; 3. Parents and stepparents; 4. Children, stepchildren, foster children, adopted children, or children currently in the adoption process; 5. Siblings; 6. Grandparents and grandchildren; 7. The following in-laws: mother, father, son, daughter, brother, sister, and grandparent; 8. Aunts, uncles, nieces, and nephews; 9. Legal guardians and wards; and 10. Paid, live-in caregivers; |
First responder | Emergency personnel (such as a police officer, emergency medical technician, or firefighter) who are among those responsible for going immediately to the scene of an accident or emergency to provide aid and relief. |
High-altitude activity | An activity that includes, or is intended to include, going above 4500 meters in elevation, other than as a passenger in a commercial aircraft. |
High value items | Collectibles, jewelry, watches, gems, pearls, furs, cameras (including video cameras) and related equipment, musical instruments, professional audio equipment, binoculars, telescopes, sporting equipment, mobile devices, smartphones, computers, radios, drones, robots, and other electronics, including parts and accessories for the aforementioned items. |
Hospital | An acute care facility that has a primary function of diagnosing and treating sick and injured people under the supervision of doctors. It must: 1. Be primarily engaged in providing inpatient diagnostic and therapeutic services; 2. Have organised departments of medicine and major surgery; and 3. Be licensed where required. |
Illegal act | An act that violates law where it is committed. |
Injury | Physical bodily harm. |
Local public transportation | Local, commuter, or other urban transit system carriers (such as commuter rail, city bus, subway, ferry, taxi, for-hire driver, or other such carriers) that transport you or a traveling companion less than 150 kilometers. |
Mechanical breakdown | A mechanical issue, which prevents the vehicle from being driven normally, including an electrical issue, flat tire, or running out of fluids (except fuel). |
Medical escort | A professional person contracted by our medical team to accompany an ill or injured person while they are being transported. A medical escort is trained to provide medical care to the person being transported. This cannot be a friend, traveling companion, or family member. |
Medically necessary | Treatment that is required for your illness, injury, or medical condition, consistent with your symptoms, and can safely be provided to you. Such treatment must meet the standards of good medical practice and is not for your or the provider’s convenience. |
Natural disaster | A large-scale extreme weather or geological event that damages property, disrupts transportation or utilities, or endangers people, including without limitation: earthquake, fire, flood, hurricane, or volcanic eruption. |
Pandemic | An epidemic that is recognised or referred to as a pandemic by a representative of the World Health Organization (WHO) or an official government authority. |
Policy | This travel Takaful contract. The policy includes this General Conditions document and The Takaful Certificate |
Political risk | Any one or more of the following: · Any event, organised resistance, or action intending or implying the intention to overthrow, supplant or change outside of normal legal processes the existing head of state, elected official, appointed official, government, or an organised political or ruling group; · Nationalisation; · Confiscation; · Expropriation (including Selective Discrimination and Forced Abandonment); · Deprivation; · Requisition; · Revolution; · Rebellion; · Insurrection; · Uprising · Military and usurped power. |
Primary residence | Your permanent, fixed home address in the United Arab Emirates (UAE) for legal and tax purposes. |
Pre-existing medical condition | An injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of this policy: 1. Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor; 2. Presented symptoms; or 3. Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed). The illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition. For example, a sprained knee you have had treated in the 120 days prior to and including the purchase date of your policy will be considered a pre-existing medical condition. If you later have to cancel your trip because, for instance, the sprained knee now requires surgery, or because your recovery is taking longer than expected, or for any other reason arising out of the knee sprain, this would be considered a pre-existing medical condition. |
Quarantine | Mandatory involuntary confinement by order or other official directive of a government, public or regulatory authority, or the captain of a commercial vessel on which you are booked to travel during your trip, which is intended to stop the spread of a contagious disease to which you or a traveling companion has been exposed. |
Reasonable and customary costs | The amount usually charged for a specific service in a particular geographic area. The charges must be appropriate to the availability and complexity of the service, the availability of needed parts/materials/supplies/equipment, and the availability of appropriately-skilled and licensed service providers. |
Refund | Cash, credit, or a voucher for future travel that you are eligible to receive from a travel supplier, or any credit, recovery, or reimbursement you are eligible to receive from your employer, another Takaful or insurance company, a credit card issuer, or any other entity. |
Return Date | The date on which you are originally scheduled to end your travel, as shown on your travel itinerary. |
Service animal | Any dog that is individually trained to do work or perform tasks for the benefit of an individual with a disability, including a physical, sensory, psychiatric, intellectual, or other mental disability. Examples of work or tasks include, but are not limited to guiding people who are blind, alerting people who are deaf, and pulling a wheelchair. Other species of animals, whether wild or domestic, trained or untrained, are not considered service animals. The crime deterrent effects of an animal’s presence and the provision of emotional support, well-being, comfort, or companionship are not considered work or tasks under this definition. |
Severe weather | Hazardous weather conditions including but not limited to windstorms, hurricanes, tornados, fog, hailstorms, rainstorms, snow storms, or ice storms. |
Sporting equipment | Equipment or goods used to participate in a sport. |
Terrorist event | An act, including but not limited to the use of force or violence, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s), which constitutes terrorism as recognised by the government authority or under the laws of your country of residence and is committed for political, religious, ethnic, ideological or similar purposes, including but not limited to the intention to influence any government and/or to put the public, or any section of the public, in fear. It does not include general civil disorder or unrest, protest, rioting, political risk, or acts of war. |
Traffic Accident | An unexpected and unintended traffic-related event, other than mechanical breakdown, that causes injury, property damage, or both. |
Travel carrier | A company licensed to commercially transport passengers between cities for a fee by land, air, or water. It does not include: 1. Rental vehicle companies; 2. Private or non-commercial transportation carriers; 3. Chartered transportation, except for group transportation chartered by your tour operator; or 4. Local public transportation. |
Travel supplier | A travel agent, tour operator, airline, cruise line, hotel, railway company, or other travel service provider. |
Traveling companion | A person or service animal traveling with you or traveling to accompany you on your trip. A group or tour leader is not considered a traveling companion unless you are sharing the same room with the group or tour leader. |
Trip | Your travel to, within, and/or from a location away from your primary residence, which is originally scheduled to begin on your departure date and end on your return date. It cannot include commuting to and from work or moving. |
Uninhabitable | A natural disaster, fire, flood, burglary, or vandalism has caused enough damage (including extended loss of power, gas, or water) to make a reasonable person find their home or destination inaccessible or unfit for use. |
War | A state or period of hostile armed conflict, civil war, or military or paramilitary action, between two or more of the following: a nation, a state, a government, a territory, or an organised political or ruling group. This includes any acts or events directly associated with and occurring in the course of such conflict or action, or directly triggering such conflict or action. This definition applies regardless of whether war has been officially or formally declared. |
Work strike | An organised and intentional stoppage or slowdown of work by a group of employees, or withdrawal of employees’ services, intending to make their employer comply with or accede to the demands of those employees. This does not include any broad or general strike of workers or the public in a community, state, region, or nation. This also does not include any strike that rises to the level of or is connected with any civil disorder or political risk. |
We, Us, or Our | YAS Takaful P.J.S.C. Claims will be managed by NextCare an Allianz Partners appointed Third Party Administrator. |
You or Your | All persons listed as The Participant in The Takaful Certificate |
WHEN YOUR COVERAGE BEGINS AND ENDS
You are only eligible for coverage if we accept your request for Takaful and send you an official confirmation of that. Your policy’s coverage effective date is the policy issue date and the policy’s coverage end date is the policy expiry date which both are indicated in The Takaful Certificate. The policy is effective the day we receive the order and you pay the full Takaful Contribution. The order must be received and the full Takaful Contribution must be paid on or before the trip starts
Coverage is only provided for losses that occur while your policy is in effect.
All coverages, except trip cancellation coverage, are effective from the time when you have left on your trip on your departure date and until your policy ends.
Trip cancellation coverage is effective from your policy effective date and time and until the date and time when you have left on your trip.
Except for one-way and same-day return trips, the departure date and return date that you provided at time of purchase are counted as two separate days of travel when we calculate the duration of your trip.
Your policy ends on the coverage end date listed in The Takaful Certificate
Additionally, your policy will end on the earliest of:
1. At 23:59 GST on the day you cancel your policy;
2. At 23:59 GST on the day you file a trip cancellation claim with us;
3. At 23:59 GST on the day you end your trip, if you end your trip early;
4. At 23:59 GST on the day you arrive at a medical facility for further care if you end your trip due to a medical reason; or
5. At 23:59 GST on the 90th day of the trip
However, if your return travel is delayed due to a reason covered under this policy, we will extend your coverage period until the earlier of when you are able to return to your point of origin or primary residence, or until you arrive at a medical facility in the United Arab Emirates (UAE) for further care following a medical repatriation or trip interruption.
Please note that this policy applies for a specific trip and cannot be renewed.
DESCRIPTION OF COVERAGES
In this section, we will describe the many different types of coverages which are included in your policy. We explain each type of coverage and the specific conditions that must be met for the coverage to apply. Please note that exclusions may apply.
A. TRIP CANCELLATION COVERAGE
If your trip is canceled or rescheduled for a covered reason listed below, we will reimburse you for your non-refundable trip payments, deposits, cancellation fees, and change fees (less available refunds), up to the maximum benefit for trip cancellation coverage listed in your Coverage Summary. Please note that this coverage only applies before you have left for your trip.
Also, if you prepaid for shared accommodations and your traveling companion cancels their trip due to one or more of the covered reasons listed below, we will reimburse any additional accommodation fees you are required to pay.
NOTE: We will not reimburse you for any trip costs and/or fees that are your travel carrier’s or travel supplier’s responsibility
IMPORTANT: You must notify all of your travel suppliers within 72-hours of discovering that you will need to cancel your trip (this includes being advised to cancel your trip by a doctor). If you notify any travel suppliers later than that and get a smaller refund as a result, we will not cover the difference. If a serious illness, injury, or medical condition prevents you from being able to notify your travel suppliers within that 72-hour period, you must notify them as soon as you are able.
Covered reasons:
1. You or a traveling companion becomes ill or injured, or develops a medical condition disabling enough to make you cancel your trip (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
The following condition applies:
a. A doctor advises you or a traveling companion to cancel your trip before you cancel it.
2. A family member who is not traveling with you becomes ill or injured or develops a medical condition (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
The following condition applies:
a. The illness, injury, or medical condition must be considered life threatening by a doctor or require hospitalisation.
3. You, a traveling companion, family member, or your service animal dies on or after your policy’s coverage effective date and before your trip.
4. You or a traveling companion is quarantined before your trip due to having been exposed to:
a. A contagious disease other than an epidemic or pandemic; or
b. An epidemic or pandemic (such as COVID-19), but only when the following conditions are met:
i. The quarantine is specific to you or a traveling companion, meaning that you or a traveling companion must be specifically and individually designated by name in an order or directive to be placed in quarantine due to an epidemic or pandemic; and
ii. The quarantine does not apply generally or broadly (a) to some segment or all of a population, geographical area, building, or vessel (including shelter-in-place, stay-at-home, safer-at-home, or other similar restriction), or (b) based on to, from, or through where the person is traveling. This condition (ii) applies even if the quarantine order or directive specifically designates you or a traveling companion by name to be quarantined.
5. You or a traveling companion is in a traffic accident on the departure date.
One of the following conditions must apply:
a. You or a traveling companion need medical attention; or
b. Your or a traveling companion’s vehicle needs to be repaired because it is not safe to operate.
6. You are legally required to attend a legal proceeding during your trip.
The following condition applies:
a. The attendance is not in the course of your occupation (for example, if you are attending in your capacity as an attorney, judge, court clerk, law enforcement officer, or paralegal this would not be covered).
7. Your primary residence becomes uninhabitable.
8. Your travel carrier cannot get you to your original itinerary’s destination for at least 24 consecutive hours from the originally scheduled arrival time due to one of the following reasons:
However, if you can get to your original destination another way, we will reimburse you for the following, up to your policy’s trip cancellation coverage maximum benefit:
The following conditions apply:
A. Alternate transportation arrangements must be in a similar or lower class of service as you were originally booked with your travel carrier.
B. TRIP INTERRUPTION COVERAGE
Trip Curtailment
If you have to interrupt your trip or end it early due to one or more of the covered reasons listed below, we will reimburse you, less available refunds, up to the maximum benefit for trip curtailment coverage listed in your Coverage Summary, for the prorated portion of your covered unused non-refundable trip payments and deposits.
IMPORTANT: You must notify all of your travel suppliers within 72-hours of discovering that you will need to end your trip (this includes being advised to interrupt your trip by a doctor). If you notify any travel suppliers later than that and get a smaller refund as a result, we will not cover the difference. If a serious illness, injury, or medical condition prevents you from being able to notify your travel suppliers within that 72-hour period, you must notify them as soon as you are able.
NOTE: We will not reimburse you for the unused non-refundable portion of your original return ticket under trip curtailment coverage if we have paid or reimbursed you for a travel carrier ticket(s) for your return travel to your primary residence under early/delayed return coverage.
Early/Delayed Return
If you have to return earlier or later than your original return date due to one or more of the covered reasons listed below, we will reimburse you for, less available refunds, a travel carrier ticket(s) for your return travel to your primary residence in the same class of service that you originally booked, up to the maximum benefit for early/delayed return coverage listed in your Coverage Summary.
NOTE: We will not pay or reimburse you for a travel carrier ticket(s) for your return travel to your primary residence under early/delayed return coverage if we have reimbursed you for the unused non-refundable portion of your original return ticket under trip curtailment coverage.
Trip Continuation
If you have to interrupt your trip due to one or more of the covered reasons listed below, we will:
i. pay or reimburse you for, less available refunds, the necessary transportation expenses you incur to continue your trip, up to the maximum benefit for trip continuation coverage listed in your Coverage Summary;
ii. reimburse you for additional accommodation fees you are required to pay, less available refunds, up to the maximum benefit for trip continuation coverage listed in your Coverage Summary, if you prepaid for shared accommodations and your traveling companion has to end their trip.
Extended Stay
If you have to interrupt your trip due to one or more of the covered reasons listed below and the interruption causes you to stay at your destination (or the location of the interruption) longer than originally planned, we will reimburse you, less available refunds, up to the maximum benefit for extended stay coverage listed in your Coverage Summary, for additional accommodation and local public transportation expenses.
Covered reasons:
1. You or a traveling companion becomes ill or injured or develops a medical condition disabling enough to make you interrupt your trip (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
The following condition applies:
2. A family member who is not traveling with you becomes ill or injured or develops a medical condition (including being diagnosed with an epidemic or a pandemic disease such as COVID-19).
The following condition applies:
3. You, a traveling companion, family member, or your service animal dies during your trip.
4. You or a traveling companion is quarantined during your trip due to having been exposed to:
i. The quarantine is specific to you or a traveling companion, meaning that you or a traveling companion must be specifically and individually designated by name in an order or directive to be placed in quarantine due to an epidemic or pandemic; and
ii. The quarantine does not apply generally or broadly (a) to some segment or all of a population, geographical area, building, or vessel (including shelter-in-place, stay-at-home, safer-at-home, or other similar restriction), or (b) based on to, from, or through where the person is traveling. This condition (ii) applies even if the quarantine order or directive specifically designates you or a traveling companion by name to be quarantined.
5. You or a traveling companion is in a traffic accident.
One of the following conditions must apply:
a. You or a traveling companion needs medical attention; or
b. The vehicle needs to be repaired because it is not safe to operate.
6. You are legally required to attend a legal proceeding during your trip.
The following condition applies:
a. The attendance is not in the course of your occupation (for example, if you are attending in your capacity as an attorney, judge, court clerk, law enforcement officer or paralegal this would not be covered).
7. Your primary residence becomes uninhabitable.
8. Your travel carrier cannot get you to your original itinerary’s destination for at least 24 consecutive hours from the originally scheduled arrival time due to one of the following reasons:
A. a natural disaster; and
B. severe weather.
However, if you can get to your original destination another way, we will reimburse you for the following, up to your policy’s trip interruption coverage maximum benefit:
The following conditions applies:
Alternate transportation arrangements must be in a similar or lower class of service as you were originally booked with your travel carrier.
9. You or a traveling companion is a traveler on a hijacked aircraft, train, vehicle, or vessel.
10. You, a traveling companion, or a family member serving in the armed forces is reassigned or has personal leave status changed, except because of war or disciplinary action.
C. TRAVEL DELAY COVERAGE
If your or a traveling companion’s trip is delayed for one of the covered reasons listed below, we will reimburse you for the following expenses, less available refunds, up to the maximum benefit shown in your Coverage Summary for travel delay:
i. Your lost prepaid trip expenses and additional expenses you incur while and where you are delayed for meals, accommodation, communication, and transportation, subject to a daily (24 hours) limit listed in your Coverage Summary , as follows:
· If you provide receipts, the With Receipts Daily Limit applies.
ii. If the delay causes you to miss the departure of your cruise or tour, necessary transportation expenses to either help you rejoin your cruise/tour or reach your destination.
iii. If the delay causes you to miss the departure of your flight or train due to a local public transportation delay on your way to the departure airport or train station, necessary transportation expenses to either help you reach your destination or return home.
NOTE: We will not reimburse you for any expenses that are your travel carrier’s or travel supplier’s responsibility.
The delay must be for at least the Minimum Required Delay listed in your Coverage Summary and due to one of the following covered reasons:
1. A travel carrier delay (this does not include a travel carrier’s cancellation prior to your departure date);
2. A work strike, unless threatened or announced prior to the purchase of your policy
3. Quarantine during your trip due to having been exposed to:
i. The quarantine is specific to you or a traveling companion, meaning that you or a traveling companion must be specifically and individually designated by name in an order or directive to be placed in quarantine due to an epidemic or pandemic; and
ii. The quarantine does not apply generally or broadly (a) to some segment or all of a population, geographical area, building, or vessel (including shelter-in-place, stay-at-home, safer-at-home, or other similar restriction), or (b) based on to, from, or through where the person is traveling. This condition (ii) applies even if the quarantine order or directive specifically designates you or a traveling companion by name to be quarantined.
4. A natural disaster;
5. Lost or stolen travel documents;
6. Hijacking, except when it is a terrorist event;
7. Civil disorder; or
8. A traffic accident.
9. A travel carrier denies you or a traveling companion boarding based on a suspicion that you or a traveling companion has a contagious medical condition (including an epidemic or pandemic disease such as COVID-19). This does not include being denied boarding due to your refusal or failure to comply with rules or requirements to travel or of entry to your destination.
D. BAGGAGE COVERAGE
If your baggage is lost, damaged, or stolen while you are on your trip, we will pay you, less available refunds, the lesser of the following, up to the maximum benefit listed for baggage coverage in your Coverage Summary:
i. Cost to repair the damaged baggage; or
ii. Cost to replace the lost, damaged, or stolen baggage with the same or similar item, reduced by 10% for each full year since the original purchase date, up to the maximum of 50% reduction.
The following conditions apply:
a. You have taken necessary steps to keep your baggage safe and intact and to recover it;
b. You have filed and retained a copy of a report giving a description of the property and its value with the appropriate local authorities, travel carrier, hotel, or tour operator within 24 hours of discovery of the loss;
c. You must file and retain a copy of a police report in case of theft of any one or more high value items;
d. You must provide original receipts or another proof of purchase for each lost, damaged, or stolen item. For items without an original receipt or a proof of purchase, we will only cover 50% of the cost to replace the lost, damaged, or stolen item with the same or similar item; and
e. You must report theft or loss of a cellular device to your network provider and request to block the device
The following items are not covered:
1. Animals, including remains of animals;
2. Cars, motorcycles, motors, aircraft, watercraft, and other vehicles and related accessories and equipment;
3. Bicycles, skis, and snowboards (except while they are checked with a travel carrier);
4. Hearing aids, prescription eyewear, and contact lenses;
5. Artificial teeth, prosthetics, and orthopedic devices;
6. Wheelchairs and other mobility devices;
7. Consumables, medicines, medical equipment/supplies, and perishables;
8. Tickets, passports, deeds, blueprints, stamps, and other documents;
9. Money, currency, credit cards, notes or evidences of debt, negotiable instruments, travelers cheques, securities, bullion, and keys;
10. Rugs and carpets;
11. Antiques and art objects;
12. Fragile or brittle items;
13. Firearms and other weapons, including ammunition;
14. Intangible property, including software and electronic data;
15. Property for business or trade;
16. Property you do not own;
17. High value items stolen from a car, locked or unlocked;
18. Baggage while it is:
E. BAGGAGE DELAY COVERAGE
If your baggage is delayed by a travel supplier during your trip, we will reimburse you for expenses you incur for the essential items you need until your baggage arrives, up to the maximum benefit shown in your Coverage Summary for baggage delay.
The following condition applies:
Your baggage must be delayed for at least the Minimum Required Delay listed under baggage delay in your Coverage Summary.
F. EMERGENCY MEDICAL/DENTAL COVERAGE abroad
If you receive emergency medical or dental care while you are on your trip abroad for one of the following covered reasons, we will reimburse the reasonable and customary costs of that care for which you are responsible, up to the maximum benefit listed for emergency medical/dental coverage in your Coverage Summary (dental care is subject to the maximum sublimit listed for dental care):
1. While on your trip abroad, you have a sudden, unexpected illness, injury, or medical condition that could cause serious harm if it is not treated before your return home (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
2. While on your trip abroad, you have a dental injury or infection, a lost filling, or a broken tooth that requires treatment.
If you need to be admitted to a hospital as an inpatient, we may be able to guarantee or advance payments, where accepted, up to the limit of your emergency medical/dental coverage.
IMPORTANT: Please note that this is secondary coverage. If you have health Takaful or health insurance, you must submit your claim to that provider first. If you do not have health Takaful or health insurance or it is known that your health Takaful or health insurance does not provide coverage in the geographical area where your medical emergency is treated, please submit your claim directly to us. Any payment you receive from any other Takaful or insurance provider or any other entity will be deducted from your claim.
The following conditions and exclusions apply in addition to the General Exclusions:
a. The care must be medically necessary to treat an emergency condition, and such care must be provided by a doctor, dentist, hospital, or other provider authorized to practice medicine or dentistry.
b. This coverage will not pay for any care provided after your coverage ends.
c. This coverage will not pay for any care for any illness, injury, or medical condition that did not originate during your trip abroad;
d. This coverage will not pay for any non-emergency care or services in general and the following care and services in particular:
1. Elective cosmetic surgery or care;
2. Annual or routine exams;
3. Long-term care;
4. Allergy treatments (unless the allergic reaction is life threatening);
5. Exams or care related to or loss of/damage to hearing aids, dentures, eyeglasses, and contact lenses;
6. Physical therapy, rehabilitation, or palliative care (except as necessary to stabilize you);
7. Experimental treatment; and
8. Any other non-emergency medical or dental care.
G. EMERGENCY TRANSPORTATION COVERAGE
IMPORTANT:
· If your emergency is immediate or life threatening, seek local emergency care at once.
· We are not, and shall not be deemed to be, a provider of medical or emergency services.
· We act in compliance with all national and international laws and regulations, and our services are subject to approvals by appropriate local authorities and active travel & regulatory restrictions.
Emergency Evacuation (Transporting you to the nearest appropriate medical facility)
If you become seriously ill or injured or develop a medical condition (including being diagnosed with an epidemic or pandemic disease such as COVID-19) while on your trip, we will pay for local emergency transportation from the location of the initial incident to a local doctor or local medical facility. If we determine that the local medical facilities are unable to provide appropriate medical treatment:
1. Our medical team will consult with the local doctor to obtain information necessary to make appropriate decisions regarding your overall medical condition;
2. We will identify the closest appropriate available hospital or other appropriate available facility, make arrangements to transport you there, and pay for that transport; and
3. We will arrange and pay for a medical escort if we determine one is necessary.
The following conditions apply to items 1, 2, and 3 above:
a. You or someone on your behalf must contact us, and we must make all transportation arrangements in advance. If we did not authorize and arrange the transportation, we will only pay up to what we would have paid if we had made the arrangements. We will not assume any responsibility for any transportation arrangements that we did not authorize or arrange;
b. All decisions about your evacuation must be made by medical professionals licensed in the countries where they practice;
c. You must comply with the decisions made by our assistance and medical teams. If you do not comply, you effectively relieve us from any responsibility and liability for the consequences of your decisions, and we reserve the right to not provide coverage;
d. One or more emergency transportation providers must be willing and able to transport you from your current location to the identified hospital or facility.
Medical Repatriation (Getting you home after you receive care)
If you become seriously ill or injured or develop a medical condition (including being diagnosed with an epidemic or pandemic disease such as COVID-19) while on your trip and our medical team confirms with the treating doctor that you are medically stable to travel, we will:
1. Arrange and pay for you to be transported via regularly scheduled service on a common carrier in the same class of service that you originally booked, unless a different class of service is otherwise medically necessary, for the return leg of your trip, less available refunds for unused tickets. The transportation will be to one of the following:
a. Your primary residence;
b. A location of your choice in your country of residence; or
c. A medical facility near your primary residence or in a location of your choice in your country of residence. In either case, the medical facility must be willing and able to accept you as a patient and must be approved by our medical team as medically appropriate for your continued care.
2. Arrange and pay for a medical escort if our medical team determines that one is necessary.
The following conditions apply:
a. Special accommodations must be medically necessary for your transportation (for example, if more than one seat is medically necessary for you to travel).
b. You or someone on your behalf must contact us, and we must make all transportation arrangements in advance. If we did not authorize and arrange the transportation, we will only pay up to what we would have paid if we had made the arrangements. We will not assume any responsibility for any transportation arrangements that we did not authorize or arrange;
c. All decisions about your repatriation must be made by medical professionals licensed in the countries where they practice;
d. You must comply with the decisions made by our assistance and medical teams. If you do not comply, you effectively relieve us from any responsibility and liability for the consequences of your decisions, and we reserve the right to not provide coverage;
e. One or more emergency transportation providers must be willing and able to transport you from your current location to the identified hospital or facility.
Transport to Bedside (Bringing a friend or family member to you)
If you are told by the treating doctor that you will be hospitalised for more than 72-hours during your trip or that your condition is immediately life-threatening, we will arrange and pay for round-trip transportation in economy class on a travel carrier for one friend or family member to stay with you.
The following condition applies:
a. You or someone on your behalf must contact us, and we must make all transportation arrangements in advance. If we did not authorise and arrange the transportation, we will only pay up to what we would have paid if we had made the arrangements.
Return of Dependents (Getting minors and dependents home)
If you die or are told by the treating doctor during your trip that you will be hospitalised for more than 24 hours during your trip, we will arrange and pay to transport your traveling companions who are under the age of 18, or are dependents requiring your full-time supervision and care to one of the following:
1. Your primary residence; or
2. A location of your choice in your country of residence.
We will arrange and pay for an adult family member to accompany your traveling companions who are under the age of 18 or are dependents requiring your full-time supervision and care, if we determine that it is necessary.
Transportation will be on a travel carrier in the same class of service that was originally booked. Available refunds for unused tickets will be deducted from the total amount payable.
The following conditions apply:
a. This benefit is only available while you are hospitalised, or if you die, and if you do not have an adult family member traveling with you that is capable of caring for the travelling companions under the age of 18 or dependents.
b. You or someone on your behalf must contact us, and we must make all transportation arrangements in advance. If we did not authorise and arrange the transportation, we will only pay up to what we would have paid if we had made the arrangements.
Repatriation of Remains (Getting your remains home)
We will arrange and pay for the reasonable and necessary services and supplies to transport your remains to one of the following:
1. a funeral home near your primary residence; or
2. a funeral home located in your country of residence
The following conditions apply:
a. Someone on your behalf must contact us, and we must make all transportation arrangements in advance. If we did not authorise and arrange the transportation, we will only pay up to what we would have paid if we had made the arrangements; and
b. The death must occur while on your trip.
If a family member decides to make funeral, burial, or cremation arrangements for you at the location of your death, we will reimburse the necessary expenses up to the amount it would have cost us to transport your remains to a funeral home near your primary residence.
Search and Rescue
We will pay the cost of search and rescue activities by a professional rescue team, up to the maximum benefit listed for search and rescue coverage in your Coverage Summary, if you are reported missing during your trip or have to be rescued from a physical emergency.
H. TRAVEL ACCIDENT COVERAGE
We will pay up to the maximum benefit for Travel Accident Coverage listed in your Coverage Summary if:
a) an accident occurs during your trip outside of United Arab Emirates (UAE); and
b) you sustain an injury which within 90 days from the date of the accident, causes your death or permanent disablement.
The following condition applies:
a. If the accident is during a flight, the flight must be operated by a commercial airline company and be between two commercial airports.
What is not covered:
We will not pay claims arising directly or indirectly from:
1. Your participation in manual or hazardous work;
2. Deliberate exposure to danger unless in the attempt to save a human life;
3. Disease or any disease process, illness or any natural causes;
4. The accidental death or permanent disablement of any person under the age of 16 years;
5. You not following our instructions or requirements under any other coverage this policy provides.
I. PERSONAL LIABILITY COVERAGE
If you become legally liable to pay compensation for:
a. bodily injury or death of someone else; or
b. physical loss of, or damage to, someone else’s property,
as a result of an accident, or a series of accidents arising out of a single event, that happens during your trip, then we will indemnify you up to the maximum benefit listed in your Coverage Summary for Personal Liability for:
1. the compensation (including legal costs) awarded against you; and
2. any reasonable legal costs incurred by you for settling or defending a claim made against you, provided that you have our written approval before you incur these costs.
The following conditions apply:
a. You must tell us as soon as you or your personal representatives are aware of a possible prosecution, inquest, fatal injury, accident or incident, which might lead to a claim against you.
b. You must not pay or promise to pay, settle with, admit or deny liability to anyone who makes a claim against you without our written consent.
If you do not meet these conditions, we may reduce or refuse your claim to the extent we are prejudiced.
What is not covered:
We will not pay in respect of your legal liability for injury, death or damage caused by, or arising in connection with:
1. injury to you, your travelling companion or to a relative or employee of you or your travelling companion;
2. loss of or damage to property belonging to, or in the care, custody or control of you, your travelling companion, or a relative or an employee of you or your travelling companion;
3. your ownership, custody, control or use of any firearm or weapon, aerial device, watercraft or motorised vehicle;
4. your conduct of, or employment in any business, profession, trade or occupation;
5. any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance or compensation scheme or fund or a similar scheme including but not limited to
a workers compensation insurance, or an industrial award or agreement;
6. any fine or penalty, or aggravated, punitive, exemplary or liquidated damages;
7. illness, sickness or disease that you have transmitted;
8. any compensation or damages awarded which are not monetary amounts;
9. a contract you have agreed to that imposes on you a liability which you would not otherwise have;
10. assault and/or battery committed by you or at your direction;
11. any act by you or any person acting with your knowledge, connivance or consent which is intended to cause injury, property damage or liability.
J. IDENTIFICATION DOCUMENT COVERAGE
There must be a minimum of six months from the date of loss until your identification document is due to expire.
If your identification document is lost, stolen or damaged during your trip, we will reimburse you for the cost, including shipping fees, to replace this identification document, up to the maximum benefit shown in your Coverage Summary for Identification Document Coverage.
The following condition applies:
a. There must be a minimum of six months from the date of loss until your identification document is due to expire.
K. TRAVEL SERVICES DURING YOUR TRIP
If you need travel services during your trip, we are available 24 hours a day. With our global reach and multi-lingual staff, we are here to help you.
Finding a Doctor or Medical Facility
If you need care from a doctor or medical facility while you are traveling, we can assist you in finding one.
If you are hospitalised, our medical staff will stay in contact with you and the doctor caring for you. We can also notify your family and your doctor back home of your illness or injury and update them on your status.
GENERAL EXCLUSIONS
This section describes the general exclusions applicable to all coverages under your policy. An “exclusion” is something that is not covered by this policy, and therefore no payment or service would be available.
This policy does not provide any coverage, benefit, or services for any activity that would violate any applicable law or regulation, including without limitation any economic/trade sanction or embargo.
If you have traveled against an order or advice against travel issued by your home country’s or trip destination’s government or local authority, this policy excludes any loss directly or indirectly resulting from, arising out of, or related to any reason for or subject of such travel order or advice.
This policy does not provide coverage for any loss that results directly or indirectly from any of the following general exclusions if they affect you, a traveling companion, or a family member:
1. Any loss, condition, or event that was known, foreseeable, intended, or expected when your policy was purchased;
2. Pre-Existing medical conditions;
3. Your intentional self-harm or if you attempt or commit suicide;
4. Normal, complication-free pregnancy or childbirth, except when and to the extent that normal, complication-free pregnancy or childbirth is expressly referenced in and covered under trip cancellation coverage or trip interruption coverage;
5. Fertility treatments or elective abortion;
6. The use or abuse of alcohol or drugs, or any related physical symptoms. This does not apply to drugs prescribed by a doctor and used as prescribed;
7. Acts committed with the intent to cause loss;
8. Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft or commercial vehicle or commercial watercraft;
9. Participating in or training for any professional or semi-professional sporting competition;
10. Participating in or training for any amateur sporting competition while on your trip. This does not include participating in informal recreational sporting competitions and tournaments organised by hotels, resorts, or cruise lines to entertain their guests.
11. Participating in extreme, high-risk sports and activities in general and the following activities in particular:
12. An illegal act resulting in a conviction, except when you, a traveling companion, a family member, or your service animal is the victim of such act;
13. An epidemic or pandemic, except when and to the extent that an epidemic or pandemic is expressly referenced in and covered under trip cancellation coverage, trip interruption coverage, travel delay coverage, or emergency medical/dental coverage;
14. Natural disaster, except when and to the extent that a natural disaster is expressly referenced in and covered under trip cancellation coverage, or trip Interruption coverage, or travel delay coverage;
15. Air, water, or other pollution, or the threat of a pollutant release, including thermal, biological, and chemical pollution or contamination;
16. Nuclear reaction, radiation, or radioactive contamination;
17. War or acts of war;
18. Military duty, except when and to the extent that military duty is expressly referenced and covered under trip cancellation coverage or trip interruption coverage;
19. Political risk;
20. Cyber risk;
21. Civil disorder or unrest, except when and to the extent that civil disorder or unrest is expressly referenced in and covered under trip interruption coverage or travel delay coverage;
22. Terrorist events. This exclusion does not apply to Emergency Medical or Emergency Transportation coverage.
23. Acts, travel alerts/bulletins, or prohibitions by any government or public authority, except when and to the extent that an act, travel alert/bulletin, or prohibition by a government or public authority is expressly referenced in and covered under trip cancellation coverage or trip interruption coverage;
24. Any travel supplier’s complete cessation of operations due to financial condition, with or without filing for bankruptcy;
25. A travel supplier’s restrictions on any baggage, including medical supplies or equipment;
26. Ordinary wear and tear or defective materials or workmanship;
27. An act of gross negligence by you or a traveling companion.
IMPORTANT: You are not eligible for reimbursement under any coverage if:
1. Your travel carrier tickets do not show travel date(s);
2. You intend to receive health care or medical treatment of any kind while on your trip.
To make a claim, please visit the website at https://travelclaims.tatsh.cloud/index.aspx. This will lead you to our online claims notification service where you can fill in an online claim form.
You can also get a claim form by:
· phoning 971 4 270 8705 (8am– 8pm GST, Mon - Fri) or
· WhatsApp +971 56 216 4563 (8am– 8pm GST, Mon - Fri)
· For medical emergencies requests please contact our 24/7 Emergency line: +971 4270 8705 and Press 1
You should fill in the claim form and send it to us as soon as possible with all the information and documents we ask for. You must give us as much detail as possible so we can handle your claim quickly. Please keep copies of all the information you send us.
You will need to obtain some information to support your claim. Below is a list of actions you will need to take and documents we will need in order to deal with your claim. Further information and/or evidence may be required by us after your claim has been submitted. If this is the case, we will inform you as quickly as possible.
For all claims
· Your original trip booking invoice(s) and travel documents showing the dates and times of travel.
· Passport Copy
· Original receipts and accounts for all out-of-pocket expenses you have to pay.
· Original bills or invoices you are asked to pay.
· Details of any other Takaful or insurance you may have that may cover the same loss, such as household or private medical.
· As much evidence as possible to support your claim.
Trip Cancellation
· Original cancellation invoice(s) detailing all cancellation charges incurred.
· 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 independent evidence of these circumstances.
Trip Interruption
· Your original booking invoice(s) showing your revised time and date of departure and detailing whether any refunds can be provided.
· For claims relating to illness or injury a medical certificate will need to be completed by the treating doctor. A copy of the death certificate is required in the event of death.
· If your claim results from any other circumstances, please provide independent evidence of these circumstances.
Travel Delay
· 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.
· 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.
· If your claim results from any other circumstances, please provide independent evidence of these circumstances.
Baggage
· Report the theft, damage or loss to the police within 24 hours of discovery and ask them for a written police report.
· If applicable, you should also report the theft, damage or loss to your travel carrier, tour operator, handling agent or accommodation manager and ask for a written report.
· For delays, losses and damage whilst in the care of a travel carrier, report this as soon as possible and obtain a written report from them. For airlines specifically, you must obtain a Property Irregularity Report (PIR) from the airline or their handling agent. This should be done within 7 days of any delay, loss or damage. You then have 21 days to write to the airline confirming the details of any essential replacement items purchased.
· Original receipts, vouchers or other suitable evidence of purchase / ownership / value for lost, stolen or damaged baggage.
· Keep any damaged items as we may need to inspect them. 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 items.
· Block lost or stolen mobile phones with your network provider and obtain written confirmation of this action from them.
Baggage Delay
· Report the loss to the travel carrier and obtain a written report from them. For airlines, you must obtain a Property Irregularity Report (PIR) from the airline or their handling agent. This should be done within 7 days of any delay, loss or damage. You then have 21 days to write to the airline confirming the details of any essential replacement items purchased.
· Original receipts, vouchers or other suitable evidence of purchase for essential replacement items.
Emergency Medical/Dental Coverage abroad and Transportation Coverage
· Always contact our 24-hour emergency medical service when you are hospitalised, require repatriation or where medical fees are likely to exceed USD $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.
Travel Accident
· A detailed account of the circumstances surrounding the claim(s), including photographs and video evidence (if this applies).
· Medical certificate initially indicating the nature and probable consequences of the injuries.
· Take all measures to limit the consequences of the accident.
GENERAL PROVISIONS AND CONDITIONS
Means of compensation
We provide compensation for damage or loss by means of
· provision of a service, and/or
· replacement of the covered item, or
· provision of financial compensation.
How is damage and loss determined and compensated?
· We will let you know as soon as possible if you are eligible for compensation and for what amount.
· Your claim must be complete and truthful. Then we can correctly determine the amount of the damage.
· If we compensate you for damage to covered object, we may ask you to transfer ownership of it to us.
Correctness of statement and fraud
If any claim under this policy is in any respect fraudulent, or if any false declaration is made or false or incorrect information is used in support of any claim, then we can, at our sole discretion, not pay your claim and cancel your cover under this policy from the date that the incorrect statement or fraudulent claim was made.
What are your obligations in the event of damage (general obligations)?
You are obliged to:
· Limit the loss or damage as much as possible and avoid unnecessary costs;
· Notify us immediately and describe the covered event (e.g. event and extent).
· Provide us truthfully with all information necessary to clarify the facts and enable us to verify the cause and amount of the claim made. You must provide proof of the damage in the form of original invoices and documents.
When do we try to recover compensation paid?
· If a third party is liable for the damage you have suffered, we are entitled to recover the compensation we have paid from that third party.
· We can ask you to pay back any amounts we have paid out to you, which are not covered by this policy.
When is the policy invalid?
· We only insure people who live in a country where our license is valid. This means that you have to actually live in the country of your primary residence during the entire term of the policy.
· The policy is invalid if we have informed you beforehand that we do not wish to insure you or no longer wish to do so. In that case, we will refund the Takaful Contribution paid by you.
· If you have not paid the Takaful Contribution due in full and on time.
When we may cancel this policy?
We may cancel this policy in the following circumstances only, by giving you 14 days prior notice by email sent to your last known email address supplied to us:
a) If you fail to comply with your duty of utmost good faith;
b) If you fail to comply with a provision of this policy, including a provision relating to the payment of the Takaful Contribution;
c) If you make a fraudulent claim under this policy.
What is the limitation period of your claim for compensation?
Your claim for compensation expires after three years. The limitation period begins at the end of the year in which the claim was filed and you were aware of the circumstances justifying the claim, or should have been aware of such circumstances.
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 trip or a travelling companion; 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.
Takaful certificate deductible
Under some sections of your Takaful certificate, you will have to pay a deductible. 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 deductible.
Governing law
This Certificate of Takaful will be in English. The Takaful certificate will be governed by the applicable federal laws of the United Arab Emirates (UAE) 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 (UAE) shall have exclusive jurisdiction with respect to any dispute arising from this Takaful Certificate.
Sanctions regulation
Notwithstanding anything contained in this policy we will not provide cover nor will we make any payment or provide any service or benefit to any person or party where providing such cover, payment, service or benefit would expose us to or violate any applicable trade or economic sanction or any law or regulation
Data protection
Information about your Takaful Certificate may be shared between NEXtCARE, YAS Takaful P.J.S.C. 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
What should you do if you have a complaint?
Please contact:
Customer Services Manager
NEXtCARE Claims Management L.L.C ,
Eiffel Boulevard Limited Building (Eiffel 2) 1st floor,
Umm Al Sheif, Sheikh Zayed Road
Dubai – UAE
PO80864
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.