Visa Signature Card Travel Insurance

Concept

Remaining Days: 142

Visa

If your travel expenses are covered with TBC Concept VISA Signature or Travel Visa Signature card, you can benefit from the travel insurance that covers up to 5 family members who travel with the cardholder.

Please follow the link to get detailed information about travel insurance terms.

The Insurance Service (hereinafter referred as the "Service") is an optional benefit that you can choose to use. Chubb Insurance South Africa Limited (hereinafter referred to as the "Company") provides these services upon your request and sets the terms and conditions for it at its own discretion. The Company takes full responsibility for carrying out its obligations and services in a proper manner as well as for compliance with the terms and conditions set.

Special conditions for reimbursement

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To activate the travel insurance and obtain reimbursement for insurance costs specific requirements need to be satisfied:

Cardholder's total cost of travel or pre-booked accommodation has to be charged to the cardholder's Visa Signature or Travel Visa Signature Card;

The ticket bought with Visa Signature Card has to be for round trip journey (air, rail or cruise);

Each Journey has to begin and end in the country of residence;

Individual journey must not exceed 90 consecutive days;

At the end of a journey, no more than 183 days in total are spent on journeys abroad in any 12- month period;

Payment methods to be used to activate travel insurance

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People covered

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Insurance applies to (all of the following conditions has to be met):

The cardholder, that has to be:

Resident in the country of residence;

For TBC Concept Visa Signature or Travel Visa Signature cardholders up to the age of 80;

The cardholders children, step children, and fostered or adopted children, up to a maximum of 5 per journey, each of whom must be:

Under 18 years (or under 23 years old if still in fulltime education);

Financially dependent on the cardholder;

Living with the Cardholder (unless living elsewhere while in full-time education);

Unmarried.

The Cardholder's spouse or civil partner with whom he or she has been living for at least one year as though they were spouses or civil partners. This must be evidenced by a joint account, or utility bill, used by each partner and being registered as living permanently together at the same address.

Limits and sub-limits of liability stated by the travel insurance policy

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What is covered?

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If the cardholder falls ill, sustains an injury, or dies unexpectedly while traveling outside his/her country of residence, the insurance policy covers the following expenses within the limits and sub-limits specified in the table above:

All reasonable and necessary expenses which arise as a result of a medical emergency involving the cardholder where a doctor has told the cardholder that the cardholder needs immediate medical treatment or medical attention. This includes doctor fees, hospital expenses, medical treatment and all the costs of transporting to the nearest suitable hospital, when deemed necessary by a recognized doctor;

All reasonable and necessary emergency medical expenses for all infants born following complications of pregnancy during a journey. Claims involving multiple births are considered to be one event;

Emergency dental treatment for the immediate relief of pain and/or emergency repairs to dentures or artificial teeth solely to relieve distress in eating;

With the prior authorization of International SOS, additional travelling costs to repatriate the cardholder Home, including the cost of a medical escort if necessary. Repatriation expenses will be in respect only of the identical class of travel utilized on the outward journey unless International SOS agrees otherwise;

Economy class return transport for an immediate family member from the country of residence to visit the cardholder or escort them home if travelling alone and if hospitalized as an in-patient for more than 7 days, with the prior authorization of International SOS;

Economy class transport for a friend or immediate family member to travel from the country of residence to escort a minor under the age of 15 Home if the cardholder is physically unable to take care of them. If the cardholder cannot nominate a person the insurance company will then select a competent person. If the original pre-booked return ticket(s) for the child cannot be used, the insurance company will pay for economy one way travel to return the child home;

Additional telephone charges necessarily incurred, during an emergency, by the cardholder, to contact hospitals as a direct result of the cardholder's injury or sickness, up to a maximum of $75;

In the event of the cardholder's death the reasonable cost of conveying their remains home and the cost of the coffin/urn up to USD 750,000.

What is not covered?

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The following cases and expenses are not covered by the insurance policy:

When the cardholder is travelling against the advice of a doctor (or would be travelling against the advice of a doctor had the cardholder sought his/her advice) or when the cardholder has received a terminal prognosis;

When the cardholder is travelling with the intention of obtaining medical treatment or consultation abroad;

If the cardholder has any undiagnosed symptoms that requires attention or investigation in the future (that is symptoms for which the cardholder is awaiting investigation or consultation, or awaiting results of investigations, where the underlying cause has not been established);

Where, on the date it is booked (or commencement of the period of insurance if later), the cardholder is aware of any reason why it might be cancelled or curtailed, or any other circumstance that could reasonably be expected to result in a claim under the policy;

If the partner or child is travelling without the cardholder;

Any claim arising directly or indirectly from any pre-existing medical conditions;

The first US$ 100 per event per person;

Any treatment which is not a surgical or medical procedure with the sole purpose of curing or relieving acute unforeseen illness or injury;

Any claim arising directly or indirectly from oncological diseases, benign and malignant neoplasms, hematological diseases;

Any expenses which are not usual, reasonable or customary to treat bodily injury or illness;

Any form of treatment or surgery which can be delayed reasonably until return to the country of residence;

Expenses incurred in obtaining or replacing medication, which at the time of departure is known to be required or to be continued outside the country of residence;

Additional costs arising from single or private room accommodation;

Treatment or services provided by a private clinic or hospital, health spa, convalescent or nursing home or any rehabilitation center unless agreed by International SOS;

Treatment costs for cosmetic reasons unless such treatment is confirmed as medically necessary as a result of an accident covered by this policy;

Any expenses incurred after return to the country of residence;

Expenses incurred as a result of a tropical disease where the cardholder has not had the recommended inoculations or vaccinations and/or taken the recommended medication;

Any costs the cardholder incurs outside the country of residence after the date International SOS tells the cardholder they should return home or the insurance company arrange for the return home. (Insurance company`s liability to pay further costs under this section after that date will be limited to what they would have paid if the repatriation had taken place);

The cardholder must not unreasonably refuse the medical repatriation services The insurance company agree to provide and pay for under this policy. If the cardholder choose alternative medical repatriation services without reasonable grounds for doing so, which the insurance company have not accepted in writing, it will be at the cardholder's own risk and own cost;

Any cost of flight tickets exceeding economy class for an accompanying non-medical escort in the event of medical repatriation (any increase in cost due to requested upgraded flight tickets must be at the personal expense of the person(s) travelling);

Any claim arising from pregnancy related conditions not due to unforeseen complications of pregnancy which first arise after departing on a journey. Normal pregnancy or childbirth, or travelling when the cardholder's doctor has recorded the pregnancy as being at heightened risk of premature birth, would not constitute an unforeseen complication;

The cost of dental treatment involving the provision of dentures, artificial teeth or the use of precious metals;

Any treatment or diagnostic testing that was pre-planned or pre-known by the cardholder;

Costs of telephone calls, other than calls to International SOS notifying them of the problem for which the cardholder is able to provide a receipt or other evidence to show the cost of the call and the number telephoned;

Search and rescue costs.

Leisure activities & sports insurance

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Medical care, evacuation, and repatriation expenses resulting from injuries sustained during specific leisure activities or sports are included under the insurance policy. Reimbursement of these expenses is available if:

The cardholder has not been advised by a doctor against participating in such sport or activity;

The cardholder wears the recommended/recognized safety equipment;

The cardholder follows safety procedures, rules and regulations as specified by the activity organizers/providers;

The cardholder is not racing or competing in or practicing for speed or time trials of any kind;

Participation in sports is not the sole or main reason for the Journey (except in relation to winter sports).

The list of entertainment activities and sports can be found on the link page 15th

Actions should be taken if an insurance accident occurs

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In the event of a serious illness or accident which may lead to in-patient hospital treatment, or before any arrangements are made for repatriation or in the event of Curtailment necessitating the Cardholder's early return Home or in the event of an emergency the Cardholder must contact International SOS:

Ukraine +380 (44) 499 39 75 (English, Russian)

London +44 (0) 208 762 8373 (English)

Dubai +971 (4) 253 6024 (English, French, Arabic)

USA +1 (877) 859 1273 (English)

The service is available to the Cardholder and operates 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorization of medical expenses. If this is not possible because the condition requires immediate emergency treatment the cardholder must contact International SOS as soon as possible.

Private medical treatment is not covered unless authorized specifically by International SOS.

International SOS has the medical expertise, contacts and facilities to help should the cardholder when injured in an accident or falls ill.

The cardholder must tell SOS and provide full details in writing immediately if someone is holding them responsible for damage to their property or Bodily Injury to them arising from a journey. The Cardholder must also immediately send SOS any writ or summons, letter of claim or other document relating to that claim.

In the event of a claim and if the insurance company require it, the cardholder must agree to be examined by a doctor of the insurance company`s choice and expense. In the event of death the insurance company may also request and will then pay for a postmortem examination of the cardholder.

The cardholder or their legal representatives must supply at their own expense all information, evidence, medical certificates, original invoices, receipts, reports, assistance that may be needed including details of other insurance policies that may cover the loss. The insurance company may refuse to pay for any expenses for which receipts or bills cannot be provided. The cardholder must keep copies of all documents sent to the insurance company.

How does the insurance company reimburse expenses in case of an insured event?

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If the cardholder is admitted to a hospital/clinic while outside the country of residence, international SOS will arrange for medical expenses covered (other than deductible USD 100) by the policy to be paid direct to the hospital/clinic. To take advantage of this benefit the cardholder must contact international SOS as soon as possible.

For simple out-patient treatment, the cardholder should pay the hospital/clinic and claim back medical expenses from the insurance company upon the return home.

Beware of requests to sign for excessive treatment or charges. If in doubt regarding any such requests, please call International SOS for guidance.

In the event of the cardholder‘s bodily injury or illness the insurance company reserve the right to relocate them from one hospital to another and arrange for repatriation to the country of residence at any time during the Journey. The insurance company will do this if in the opinion of the doctor in attendance or international SOS the cardholder can be moved safely and / or travel safely to the country of residence to continue treatment.

If at the time of any incident which results in a claim under this Policy, there is another insurance covering the same loss, damage, expense or liability, we will not pay more than Our proportional share

What is the process for requesting reimbursement of expenses incurred from the insurance company?

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To be eligible for compensation, a claim must be submitted to the insurance company within a maximum of 90 days from the incident. The requests can be submitted via following channels:

Via E-mail visaclaims@crawco.pl.

Where the cardholder will need to provide:

Name and surname;

First 9 digits of the covered card number;

The cardholder's address;

The section under which the cardholder wishes to make a claim;

A brief details of the claim;

Proof of payment for the Journey using an eligible card.

Bank documentation that confirms payment of travel expenses using the TBC Concept Visa Signature or Travel Visa Signature card (such as a bank receipt or statement) should include the following information:

A cardholder`s name and surname;

Amount of travel expenses paid with TBC Concept Visa Signature or Visa Signature Travel card;

First 9 digits of the card;

Transaction purpose;

Transaction date

When a claim is made, the cardholder will receive a claim form, which should be returned to the address given or sent via email to visaclaims@crawco.pl within 90 (ninety) days along with all required supporting documentation.

After claim submission please check your Junk/ Spam folder for any correspondence from the claims team. To ensure replies do not go to your Junk/ Spam folder please add crawco.pl to your safe senders list.

Via online claims portal

The online claims portal will allow you to create an account, you will then be able to complete an online claim form and submit this along with evidence of your claim for assessment.

Via TBC Concept x Visa Concierge chat bot. Concierge team will assist cardholders in managing the insurance claims process.

If expenses are not documented in the payment receipts or invoice, the insurance company may decline to provide reimbursement.

Cardholders are advised to retain copies of all documents until reimbursement is received.

Remaining Days: 142

Personal Banker

Visa Signature Card Travel Insurance

Visa

Special conditions for reimbursement

Payment methods to be used to activate travel insurance

People covered

Limits and sub-limits of liability stated by the travel insurance policy

What is covered?

What is not covered?

Leisure activities & sports insurance

Actions should be taken if an insurance accident occurs

How does the insurance company reimburse expenses in case of an insured event?

What is the process for requesting reimbursement of expenses incurred from the insurance company?