YOUR TRAVEL COVER

LNK_ZIM_13092024

Policy Terms & Conditions

CONTENT POLICY SUMMARY
ALLIANCE TRAVEL INSURANCE
Policy Summary.................................................................1
This policy summary does not contain full details and
Schedule of Benefits..........................................................2 conditions of your insurance – these are located in your
policy wording.
Policy Wording / Introduction............................................3
Definitions........................................................................4 This insurance is underwritten by Alliance Insurance.
General Conditions Where a heading is underlined in this policy summary full
Applicable to the whole policy.............................................7 detail can be found in your policy wording under the same
heading.
Claims Conditions..............................................................7

Important Conditions relating to health............................8 Type of insurance and cover

Travel insurance for single or annual multi trips Please refer
General Exclusions to your policy schedule for your selected cover.
Applicable to all sections of the policy................................8
Age eligibility
Sports and Activities covered.............................................9 This policy is not available to anyone aged 86 and above if
Zimbabwe, Africa Schengen, Europe, Worldwide Standard
Medical Emergency Assistance........................................10
and Worldwide Premier cover is selected. If you reach
Section A the age of 80 during the period of insurance, cover will
continue until the next renewal date but not after that.
Cancellation or curtailment charges.................................11

Section B If Student cover is selected, this policy is not available to

anyone aged 29 and above.
Emergency medical and other expenses............................12
Section C Conditions
Personal accident.............................................................14 • It is essential that you refer to the important conditions
relating to health in the policy wording, as failure to comply
Section D with these conditions may jeopardize your claim or cover.
Baggage, Personal Money, Passport
and Documents................................................................15
Special conditions apply to each section of your policy
Please refer to the policy wording for full details.
Section E
Delayed departure, Missed Departure,
Missed Connection............................................................16

Section F
Personal Liability..............................................................18

Section G
Legal Expenses.................................................................18

Section H
Hijack, Hostage Wrongful Detention................................19
Section I
Reimbursement of University, College Fees.......................19

Special Conditions Relating to Claims.............................19

Section J
Top Up..............................................................................20

Keyfacts...........................................................................21
Making a complaint.........................................................23

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2
Worldwide Worldwide
Zimbabwe Africa Europe Schengen Inbound Plus Worldwide
SCHEDULE OF BENEFITS Standard Premier Excess
Student Cover
Area 1 Area 2 Area 3 Area 4 Area 5 Area 6 Area 7
SECTION A – CANCELLATION AND CURTAILMENT
Trip Cancellation $750 $2,000 $5,000 N/A $5,000 $7,500 N/A $2,500 $100
Trip Curtailment $750 $2,000 $5,000 N/A $5,000 $7,500 $2,000 $2,500 $125
- Sub-limit to Coronavirus (COVID-19) $500 $1,000 $2,000 N/A $2,000 $2,000 Nil $2,000 $100
SECTION B –EMERGENCY MEDICAL AND OTHER EXPENSES
Emergency Medical Expenses $50,000 $150,000 $500,000 $100,000 $500,000 $1,000,000 $100,000 $200,000 Nil
- Sub-limit to Coronavirus (COVID-19) $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 Nil
Covered under Covered under Covered under Covered under Covered under Covered under
Accident Only when travelling by Road $10,000 N/A Nil
Section C Section C Section C Section C Section C Section C
Evacuation and repatriation of
$5,000 Actual Cost Actual Cost Actual Cost Actual Cost Actual Cost Actual Cost Actual Cost Nil
mortal remains or funeral expenses
Coffin Expenses $500 N/A N/A N/A N/A N/A N/A N/A Nil
Emergency Dental treatment $250 $250 $2,000 $2,000 $2,000 $2,000 $250 $500 Nil
$25 per 24 hours $25 per 24 hours $50 per 24 hours $25 per 24 hours $50 per 24 hours $50 per 24 hours $50 per 24 hours
Hospital Cash Benefits up to maximum up to maximum up to a maximum up to maximum up to a maximum up to a maximum N/A up to a maximum Nil
of $500 of $500 of $1,000 of $500 of $1,000 of $1,000 of $1,000
Return of minor children Actual Cost Actual Cost Actual Cost Actual Cost Actual Cost Actual Cost Actual Cost Actual Cost Nil
Additional travel and accommodation 150 per day + 300 per day 300 per day + 300 per day + 300 per day + 300 per day + 150 per day + same 300 per day +
Nil
expenses due to illness same class flights + same class flights same class flights same class flights same class flights same class flights class flight same class flights
Economy Economy Economy Economy Economy Economy Economy class flight Economy
Compassionate visit overseas Nil
Class Flight Class Flight Class Flight Class Flight Class Flight Class Flight + 150 per day Class Flight
SECTION C – PERSONAL ACCIDENT
Personal accident $15,000 $25,000 $75,000 N/A $100,000 $100,000 $25,000 $100,000 $250
SECTION D – BAGGAGE LOSS
Personal baggage loss or damage $750 $1,500 $2,500 N/A $2,500 $5,000 $750 $1,500 $100
Single article Limit 25% 25% 25% N/A 25% 25% 25% 25% Nil
Baggage Delay $150 $300 $500 N/A $500 $750 N/A $500 Nil
Loss of personal money N/A $250 $250 N/A $250 $250 N/A $250 Nil
Loss of passport and document N/A $250 $250 N/A $250 $250 $250 $250 Nil
SECTION E – TRAVEL INCOVENIENCE
Travel and Flight Delay $250 $250 $250 N/A $250 $250 N/A $250 Nil
Missed departure $500 $500 $500 N/A $500 $500 N/A $500 Nil
Missed travel connection $500 $500 $500 N/A $500 $500 N/A $500 Nil
SECTION F – PERSONAL LIABILITY
Personal Liability $25,000 $25,000 $500,000 N/A $500,000 $1,000,000 N/A $100,000 $250
SECTION G – Legal Expenses
Legal Expenses $2,500 $10,000 $25,000 N/A $25,000 $50,000 N/A $15,000 $125
SECTION H – HIJACK, HOSTAGE, WRONGFUL DETENTION  
Hijack, Hostage, Wrongful Detention N/A $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 N/A Nil
Hijack, Hostage, Wrongful Detention
N/A $100 $100 $100 $100 $100 $100 N/A Nil
Per Day
SECTION I – REIMBURSEMENT OF UNIVERSITY/COLLEGE FEES
Reimbursement of University /College fees N/A N/A N/A N/A N/A N/A N/A $5,000 $100
POLICY WORDING Area 3 - Europe
Introduction Albania, Andorra, Austria, Belgium, Bosnia & Herzegovina,
Bulgaria, Croatia, Cyprus, Czech Republic, Denmark,
This is your travel insurance policy. It contains details of Estonia, Faroe Islands, Finland, France, Germany,
what is covered, conditions and what is not covered, for Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland,
each insured person and is the basis on which all claims Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania,
will be settled. It is validated by the schedule which is Luxembourg, Macedonia, Malta, Monaco, Netherlands,
attached to the policy. Norway, Poland, Portugal, Romania, San Marino, Serbia,
Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey,
In return for having accepted your premium we will in the United Kingdom, Vatican City.
event of bodily injury, death, illness, disease, loss, theft,
damage, legal liability or other specified events happening Area 4 - Schengen
within the period of insurance provide insurance in Austria, Belgium, Czech Republic, Denmark, Estonia,
accordance with the operative sections of your policy as Finland, France, Germany, Greece, Hungary, Iceland,
referred to in your schedule. Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta,
Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia,
The schedule and any endorsements are all part of the Spain, Sweden, Switzerland.
policy. Your policy is evidence of the contract of insurance.
Area 5 - Worldwide Standard
Zimbabwe residents Including Areas 1, 2, 3 and 4 & rest of the world but
This policy is only available to Zimbabwean residents. excluding Canada, the Caribbean and the USA

Applicable law Area 6 - Worldwide Premier & Student

The law which applies to this policy is Zimbabwean Law. Including Areas 1, 2, 3 and 4 & rest of the world including
Canada, the Caribbean and the USA.
Age eligibility - Annual multi trip
This policy is not available to anyone aged 71 and above if Area 7 - Inbound Plus
annual multi trip cover is selected. If you are aged under 18 Inbound Travel Insurance is only available to non-
at date of issue of the policy you may travel independently residents of Zimbabwe travelling as a visitor or tourist
provided you are accompanied by a responsible adult. within Zimbabwe.

If you reach any of the ages mentioned above during the Policy excess
period of insurance, cover will continue until the next Under some sections of the policy, claims will be subject
renewal date but not after that. to an excess. This means that you will be responsible for
paying the first part of each and every claim per incident
Age eligibility - Single trip claimed for, under each section by each insured person.
If single trip cover is selected, this policy is not available to
anyone aged 86 and above. Helplines
Please carry this policy document with you in case of an
Age eligibility – Student Cover emergency.
If student cover is selected, this policy is not available to
Policy information or advice
anyone aged 29 and above.
If you would like more infor­m ation or if you feel
the insur­a nce may not meet your needs, email our
You will not be covered if you travel outside the area you
customer services at: queries@aic.co.zw or telephone
have selected, as shown in your policy schedule.
(+263) 08677000715.
Area 1 - Zimbabwe
Zimbabwe - travelling internally within Zimbabwe. INSURER
Area 2 - Africa The Insurer for this policy is:
Algeria, Angola, Benin, Botswana, Burkina Faso, Burundi, Alliance Insurance Company, Registration number :
Cameroon, Cape Verde, Central African Rep., Chad, Comoros, 11827/2002 - 66, Ridgeway North, Borrowdale, Harare
Congo(Repub.), Congo(Democratic Repub), Cote d’Ivoire,
Djibouti, Egypt, Equatorial Guinea, Eritrea, Ethiopia, Gabon, This policy is effected in Zimbabwe and is subject to the
Gambia, Ghana, Guinea, Guinea-Bissau, Kenya, Lesotho, laws of Zimbabwe.
Liberia, Libya, Madagascar, Malawi, Mali, Mauritania,
Mauritius, Mayotte, Morocco, Mozambique, Namibia, Niger, Data Protection Act Notice
Nigeria, Rwanda, Senegal, Seychelles, Sierra Leone, Somalia, To set up and administer your policy we will hold and use
South Africa, South Sudan, Sudan, Swaziland, Tanzania, Togo, information about you supplied by you and by medical
Tunisia, Uganda, Zambia, Zimbabwe.
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 providers. We may send it in confidence for processing to Means a Trip taken wholly or in part for business purposes
other companies acting on our instructions including those but excluding manual work.
located outside Zimbabwe.
Bodily injury
Please note insurers exchange information with various Means an identifiable physical injury caused by sudden,
databases to help check the information provided and unexpected, external and visible means including injury as
prevent fraudulent claims. a result of unavoidable exposure to the elements.

Fraud prevention Close business associate

To keep premiums low we do participate in a number of Means any person whose absence from business for one
industry initiatives to prevent and detect fraud. To help or more complete days at the same time as your absence
prevents the proper continuation of that business.
prevent crime we may:
1. Share information about you with other organisations
Close relative
and public bodies including the police. Means mother, father, sister, brother, wife, husband, civil
2. Share information about you within Alliance Insurance partner, daughter, son, grandparent, grandchild, parent-in-
and with other insurers. law, son-in-law, daughter-in-law, sister-in-law, brother-in-
3. Pass your details to recognised centralised insurance law, step parent, step child, step sister, step brother, foster
industry applications and claims review systems (for child, legal guardian, domestic partner or fiancé/fiancée.
example the Travel Claims Database) where your details
may be checked and updated. Coronavirus
4. Check your details with fraud prevention agencies and Coronavirus disease (COVID-19) or a severe acute
databases. If you give us false or inaccurate information respiratory syndrome coronavirus (SARS-COV-2), or any
and we suspect fraud, we may record this with fraud mutation of the virus or disease.
prevention agencies.
5. Search records held by fraud prevention and credit Couple
agencies to: Means you and your close relative who lives with you in a
domestic relationship at the same address as you.
a) Help make decisions about credit services for you
and members of your household.
Curtailment /Curtail/Curtailed
b) Help make decisions on insurance policies and Means either:
claims for you and members of your household. a) abandoning or cutting short the trip by direct early
c) Trace debtors, recover debt, prevent fraud and to return to your home area, in which case claims will be
manage your insurance policies. calculated from the day you returned to your home area
d) Check your identity to prevent money laundering. and based on the number of complete days of your trip
6. Undertake credit searches and additional fraud searches. you have not used, or
b) by attending a hospital outside your home area as an in-
DEFINITIONS patient or being confined to your accommodation abroad
due to compulsory quarantine or on the orders of a medical
These definitions apply throughout your policy booklet. practitioner, in either case for a period in excess of 48 hours.
Where we explain what a word means that word will Claims will be calculated from the day the ill/injured person
appear highlighted in bold print and have the same was admitted to hospital or confined to your accommodation
meaning wherever it is used in the policy. We have listed and based on the number of complete days for which
the definitions alphabetically. you were hospitalised, quarantined or confined to your
accommodation. Cover only applies to ill/injured persons.
Accident by Road:
Means any bodily injury due to an accident whilst driving a Epidemic
private motor vehicle or fare paying passenger. A disease, illness or virus spreading in a certain region or
country and which is defined as such by the World Health
Baggage Organisation (WHO).
Means luggage, clothing, personal effects, valuables and
other articles (but excluding , golf equipment, personal Excess
money and documents of any kind) which belong to you Means the first amount of each claim, per section, for each
(or for which you are legally responsible) which are worn, separate incident payable for each Insured Person.
used or carried by you during any trip.
Family cover
Business equipment Means up to two adults and any number of their children,
Means items used by you in support of your business step children or foster children aged under 18 at date of issue
activity including office equipment which is portable by of the policy. The children are only insured when travelling
design including, but not restricted to, personal computers, with one or both of the insured adults, but under annual
PDA’s and mobile telephones. multi trip cover either adult and the children (accompanied
Business trip by a responsible adult) are also insured to travel on their own.

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Fare-paying passenger: Means if single trip cover is selected: the period of the trip
An insured person who has either paid a fare, made a and terminating upon its completion, but not in any case
contribution to, or the fare has been paid for them, so they exceeding the period shown in the schedule. For travellers
may travel on a public transport service. aged 70 and above, any trip not exceeding 180 days will
be covered. Under these policies Section A - Cancellation
Golf equipment cover will be operative from the time you pay the premium.
Means golf clubs, golf balls, golf bag, non motorised golf
trolley and golf shoes. For all other sections of the policy, whichever cover is
selected, the insurance starts when you leave your home or
Home for a business trip your place of business (whichever is the
Means your normal place of residence in Zimbabwe. later) to start the trip and ends at the time of your return
to your home or place of business (whichever is the earlier)
Insured person
on completion of the trip except for Area 7 - Inbound Plus.
See definition of You/Your/Yourself/ Insured Person.

Medical condition However any trip that had already begun when you
Means any disease, illness or injury. purchased this insurance will not be covered, except
where this policy replaces or you renew an existing annual
Medical practitioner multi trip policy which fell due for renewal during the trip.
Means a registered practising member of the medical
profession recognised by the law of the country where For Area 7 - Inbound Plus, the insurance starts when you
they are practising, who is not related to you or any person reach Zimbabwe and ends at the time you leave Zimbabwe.
who you are travelling with.
The period of insurance is automatically extended for the
One-way trip(s) period of the delay in the event that your return to your
Means a trip or journey made by you within the geographical home area is unavoidably delayed due to an event insured
areas shown in the schedule during the period of insurance, by this policy.
but with cover under this policy ceasing 12 hours after the
time you first leave immigration control of the country in Personal money
which your final destination is situated. Means bank notes, currency notes and coins in current
use, travellers’ and other cheques, postal or money orders,
Package pre-paid coupons or vouchers, travel tickets, event and
Means the pre-arranged combination of at least two of entertainment tickets, phone cards, money cards and credit/
the following components when sold or offered for sale at debit or pre-pay charge cards all held for private purposes.
an inclusive price and when the service covers a period of
more than 24 hours or includes overnight accommodation: Pre Existing Medical Conditions
• transport Any medical or mental condition existing prior to Your trip and/
• accommodation or causing You pain or physical distress or severely restricting
• other tourist services not ancillary to transport or Your normal mobility including (but not limited to) :
accommodation (such as car hire or airport parking) and a) a condition for which You are on a waiting list for or have
accounting for a significant proportion of the package. knowledge of the need for surgery, in-patient treatment
or investigation at a hospital, clinic or nursing home;
Pandemic b) a condition referred to a medical specialist or the cause
A disease, illness or virus which is simultaneously of in-patient treatment within one year prior Trip
transmitted globally and declared as such by the World c) any mental condition including fear of flying or other
Health Organisation (WHO).
travel phobia
d) a condition for which You have not had a diagnosis;
Passive Terrorsim e) a condition for which a Medical Practitioner has
Means an act/or acts in which the Insured Person is not provided a terminal prognosis
active Participant in terrorist attacks. f) any circumstances You are aware of that could reasonably
Active participant in terrorism shall include any Insured be expected to give rise to a claim on this policy.
person supplying, transporting or otherwise handling
facilities equipment devices, vehicles, weapons, or other Private motor vehicle
materials intended for use in a terrorist activity. Any road vehicle which is built or adapted to:
Period of insurance
Means if annual multi trip cover is selected: the period • carry not more than 9 persons (including the driver)
of 12 months for which we have accepted the premium • carry or haul a load with a fully laden weight (including
as stated in the schedule. During this period any trip the weight of any trailer or semi-trailer) not exceeding
not exceeding 60 days is covered. Under these policies 3.5 tonnes.
Section A - Cancellation cover will be operative from
the date stated in the schedule or the time of booking Agricultural vehicles and motorcycles (with or without
any trip (whichever is the later date) and terminates on sidecar), motor tricycles and mopeds are not included.
commencement of any trip.
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 Private motor vehicle or passenger accident: on behalf of or in connection with any organisation(s)
An accident occurring to an insured person when: or governments, committed for political, religious,
ideological or similar purposes including the intention to
• Getting into, driving in, riding in or getting out of if any influence any government and/or to put the public, or
private motor vehicle or any section of the public, in fear.
• Struck by any kind of vehicle whilst on a public
thoroughfare or Trip
• As a fare-paying passenger boarding, travelling in or Means any holiday, business or pleasure trip or journey
getting out of made by you within the geographical areas shown in
o any bus, train, taxi, ferry or hovercraft or the schedule which begins and ends in your home area
o any fully licensed passenger carrying aircraft forming or place of business during the period of insurance, and
part of a registered commercial airline including one-way trips.

Public thoroughfare: However any trip that had already begun when you
Any road or track constructed for the access of motor purchased this insurance will not be covered, except
vehicles, where the public at large has a right of way. where this policy replaces or you renew an existing annual
multi trip policy which fell due for renewal during the trip.
Public transport
Means any publicly licensed aircraft, sea vessel, train, coach If annual multi trip cover is selected any trip not exceeding
or bus on which you are booked or had planned to travel. 60 days is covered. If any trip exceeds 60 days there is
absolutely no cover under this policy for that trip (not even
Road Trip (only applicable for Area 1) for the first 60 days of the trip), unless you have contacted
Means travel must be more than 100 km from your primary us and we have agreed in writing to provide cover.
residence. Trips made by road are only covered for the
benefits specifically marked within the Benefit Schedule. In addition, any trip solely within your home area is only
covered where you have pre - booked at least two nights’
Schedule of benefits accommodation in a hotel, motel, holiday camp, bed
Means the details of cover as outlined in page 2 of this and breakfast, holiday cottage or similar accommodation
document. rented for a fee. Each trip under annual multi trip cover
is considered to be a separate insurance, with the terms,
Secure baggage area definitions, What is not covered and conditions contained
Means any of the following, as and where appropriate: in this policy applying to each trip.
a) The locked dashboard, boot or luggage compartment of
a motor vehicle Unattended
b) The locked luggage compartment of a hatchback vehicle Means when you are not in full view of and not in a
fitted with a lid closing off the luggage area, or of an position to prevent unauthorised interference with your
estate car with a fitted and engaged tray or roller blind property or vehicle.
cover behind the rear seats
c) The fixed storage units of a locked motorised or
Valuables
towed caravan
Means jewelry, gold, silver, precious metal or precious
d) A locked luggage box, locked to a roof rack which is itself
or semiprecious stone articles, watches, furs, cameras,
locked to the vehicle roof.
camcorders, portable satellite navigation systems,
photographic, audio, video, computer, television and
Single parent cover
telecommunications equipment (including mobile
Means one adult and any number of his or her children,
phones, MP3/4 players, CDs, DVDs, tapes, films,
step children or foster children aged under 18 at date of
cassettes, cartridges and headphones), computer games
issue of the policy. The children are only insured when
and associated equipment, telescopes and binoculars.
travelling with the insured adult, but under annual multi
trip cover the adult and children (accompanied by a
We/Us/Our
responsible adult) are also insured to travel on their own.
Alliance Insurance Company ,66, Ridgeway North,
Borrowdale, Harare, Zimbabwe.
Sports equipment
Means specialist equipment belonging to you used
You/Your/Yourself/Insured person
specifically for a particular sport of leisure pursuit.
Means each person travelling on a trip whose name
appears in the policy schedule.
Terrorism
Means an act, including but not limited to the use of
force or violence and/or the threat thereof, of any
person or group(s) of persons, whether acting alone or
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GENERAL CONDITIONS agreed that the above numbered policy is extended to
Applicable to the whole policy cover Bodily injury, as defined in the policy, sustained by
an insured Person which results from Passive Terrorism.
You must comply with the following conditions to have the
full protection of your policy. It is further declared and agreed that the passive terrorism
extension cover shall not available in the following countries :
If you do not comply we may cancel the policy or refuse
to deal with your claim or reduce the amount of any claim Afghanistan, DRC Congo, Iran, Iraq, North Sudan and Syria.
payment.
If you do not comply we may cancel the policy or refuse
1. Dual insurance to handle your claim or reduce the amount of any claim
If at the time of any incident which results in a claim payment. You must contact us by phone if you want to
under this policy, there is another insurance covering make a claim using the relevant number given below,
the same loss, damage, expense or liability we will not depending on the type of claim:
pay more than our proportional share (not applicable to
Section C– Personal accident). 1. Claims
For all claims, you must contact:
2. Reasonable precautions Alliance Insurance Company
At all times you must take all reasonable precautions to 66, Ridgeway North,
avoid injury, illness, disease, loss, theft or damage and take Borrowdale,Harare,
all reasonable steps to safeguard your property from loss Zimbabwe
or damage and to recover property lost or stolen.
Tel : (+263) 08677000715
3. Cancellation
Statutory cancellation rights: You may cancel this policy 2. For medical assistance and/or repatriation claims:
within 14 days of receipt of the policy documents (new In the event of any illness, injury, accident or hospitalisation
business) and for annual policies the renewal date (the which requires: Inpatient or Outpatient treatment
cancellation period) by writing to Alliance Insurance at the anywhere in the world, you must contact:
address shown below during the cancellation period. Any
premium already paid will be refunded to you providing LINKHAM ASSIST
you have not travelled, no claim has been made or is Tel (Abroad) : + 27 10 211 6981
intended to be made and no incident likely to result in a Email: assistance@linkham.com
claim has occurred.
The claim notification must be made within 31 days or
Alliance Insurance Company, 66, Ridgeway North, as soon as possible after that following any bodily injury,
Borrowdale, Harare, Zimbabwe. illness, disease, incident, event, redundancy or the
discovery of any loss, theft or damage which may lead to a
Cancellation outside the statutory pe­riod: You may cancel claim under this policy.
this policy at any time after the cancellation period by
You must also tell us if you are aware of any court
writing to Alliance Insurance, at the above address. If you
claim form, summons or impending prosecution. Every
cancel after the cancellation period no premi­um refund
communication relating to a claim must be sent to us as
will be made.
soon as possible.
We reserve the right to cancel the policy by providing 31
You or anyone acting on your behalf must not negotiate,
days’ notice by registered post to your last known address.
admit or repudiate (refuse) any claim without our
No refund of premium will be made.
permission in writing and cooperate fully with us in our
investigations into the circumstance of your claim.
Non payment of premiums
We can cancel the policy immediately by sending you You or your legal representatives must supply at your own
written notice if you do not pay the premium. expense, all information, evidence, details of household
insurance, proof of ownership and medical certificates
CLAIMS CONDITIONS as required by us. You should refer to the section under
which you are claiming for further details of the evidence
You must comply with the following conditions to have the that we need to deal with your claim.
full protection of your policy.
We reserve the right to require you to undergo an
Notwithstanding the provisions of the “war, Civil War independent medical examination at our expense.
and terrorism exclusion Clause”, it is hereby declared and
7
 We may also request and will pay for a post mortem where you would have been if you had sought their
examination. advice before beginning your trip; or
d) know you will need treatment or consultation at any
You must retain any property which is damaged, and if medical facility during your trip; or
requested, send it to us at your own expense. If we pay e) are travelling specifically for the purpose of obtaining
a claim for the full value of the property and it is then and/ or receiving any elective surgery, procedure or
recovered it will then become our property. hospital treatment; or
f) are aware of a medical condition but for which you have
not had a diagnosis; or
We may refuse to reimburse you for any property which
g) travel against any health requirements stipulated by
you cannot provide proof of ownership such as an original the carrier, their handling agents or any other public
receipt, a valuation, original user manual or bank or credit transport provider.
card statements.

3. Transferring of rights General Exclusions

We are entitled to take over any rights in the defense or Applicable to all sections of the policy
settlement of any claim and to take proceedings in your
name for our benefit against any other party. We will not pay for claims arising directly or indirectly from:

4. Fraud 1. Pre-Existing Medical Conditions

You must not act in a fraudulent manner. Any Pre-Existing Medical conditions (See Page 5)

If you or anyone acting for you 2. War risks, civil commotion and terrorism
a) Make a claim under the policy knowing the claim to be War, invasion, acts of foreign enemies, hostilities or
false or fraudulently exaggerated in any way; or warlike operations (whether war be declared or not), civil
b) Make a statement in support of a claim knowing the war, rebellion, terrorism, revolution, insurrection, civil
statement to be false in any way; or commotion assuming the proportions of or amounting to
c) Submit a document in support of a claim knowing the an uprising, military or usurped power but this exclusion
document to be forged or false in any way; or shall not apply to losses under Section B – Emergency
d) Make a claim for any loss or damage caused by your medical and other expenses, and Section C – Personal
willful act or with your connivance accident unless such losses are caused by nuclear,
Then chemical or biological attack, or the disturbances were
a) we will not pay the claim already taking place at the beginning of any trip.
b) we will not pay any other claim which has been or will
be made under the policy 3. Radioactive contamination
c) we may make the policy void from the date of the Ionising radiation or contamination by radioactivity
fraudulent act from any nuclear fuel or from any nuclear waste, from
d) we will be entitled to recover from you the amount of combustion of nuclear fuel, the radioactive, toxic, explosive
any claim already paid under the policy
or other hazardous properties of any nuclear assembly or
e) we will not refund any premium
nuclear component of such assembly.
f) we may inform the police of the circumstances.
4. Sonic bangs
IMPORTANT CONDITIONS RELATING TO Loss, destruction or damage directly caused by pressure
HEALTH waves caused by aircraft and other aerial devices travelling
You must comply with the following conditions to have the at sonic or supersonic speeds.
full protection of your policy.
5. Professional sports or entertaining
If you do not comply we may cancel the policy or refuse Your participation in or practice of any professional sports
to deal with your claim or reduce the amount of any claim or professional entertaining.
payment.
6. Other sports or activities
You will NOT be covered under Section A – Cancellation Your participation in or practice of any other sport or
charges, Section B – Emergency medical and other expenses, activity, manual work, driving any motorised vehicle or
and Section C – Personal accident for any trip where at the racing unless:
time of taking out or renewing this insurance you: a. specified in the list on page 9 or
a) are waiting for an operation, hospital consultation b. shown as covered in your schedule.
(other than for regular checkups for a stable condition)
or other hospital treatment or investigations, or are 7. Suicide, drug use or solvent abuse
awaiting the results of any tests or investigations; or Your wilfully self-inflicted injury or illness, suicide or
b) had received a terminal prognosis; or attempted suicide, sexually transmitted diseases, solvent
c) travel against the advice of a medical practitioner or abuse, drug use (other than drugs taken in accordance
8
with treatment prescribed and directed by a medical offer cover for an additional premium. Details of those sports
practitioner, but not for the treatment of drug addiction) and activities which you have purchased cover for will be
and putting yourself at needless risk (except in an attempt added to your policy schedule. No cover under Section C –
to save human life). Personal Accident for those sports or activities marked with
* (Page 9-10)
8. Alcohol abuse
Alcohol abuse or you drinking too much alcohol, where it is Covered as standard without charge
reasonably foreseeable that such consumption could result in
an impairment of your faculties and/or judgement resulting o abseiling (within organisers guidelines)
in a claim. We do not expect you to avoid alcohol on your trips o *administrative, clerical or professional occupations
or holidays, but we will not cover any claims arising because o aerobics
you have drunk so much alcohol that your judgement is o amateur athletics (track and field)
seriously affected and you need to make a claim as a result. o archery
o assault course
o badminton
9. Jumping from vehicles, buildings or balconies
o banana boating
You climbing on top of, or jumping from a vehicle or
o baseball
jumping from a building or balcony, or sitting, planking, o basketball
balconing, owling or lying on any external part of any o battle re-enactment
building, or climbing or moving from any external part o beachgames billiards/snooker/pool
of any building to another (apart from stairs, ramps or o blade skating
walkways) and falling regardless of the height, unless your o body boarding (boogie boarding)
life is in danger or you are attempting to save human life. o bowls
o camel riding
10. Unlawful action o canoeing (up to grade 2 rivers)
Your own unlawful action or any criminal proceedings o *carer
against you. o *caring for children (au pair/nanny)
o clay pigeon shooting
11. Additional loss or expense o climbing (on climbing wall only)
Any other loss, damage or additional expense following on o *coaching only (no playing or involvement in sport or activity)
o cricket
from the event for which you are claiming, unless we provide
o croquet
cover under this insurance. Examples of such loss, damage
o cross country running (non competitive)
or additional expense would be the cost of replacing locks o curling
after losing keys, costs incurred in preparing a claim or loss o cycling (wearing a helmet and no racing)
of earnings following bodily injury, illness or disease. o dancing (including instruction)
o deep sea fishing
12. Armed Forces o driving motorised vehicles (excluding Quad bikes) for
Operational duties of a member of the Armed Forces which you are licenced to drive in the United Kingdom
(other than claims arising from authorised leave being (other than in races, motor rallies or competitions) and
cancelled due to operational reasons, as provided for wearing a helmet if driving a motorbike, moped or scooter
under sub section 4. of Section A – Cancellation or o elephant riding/trekking
curtailment charges). o endurance activities (up to 2,500 metres above sea level)
o falconry
13. Travelling against the advice of the Regulatory Authority o fell walking/running (up to 2,500 metres above sea level)
Your travel to a country specific area or event when the o fencing
o fishing
Travel Advice Unit of the regulatory authority in a country
o fives
to/from which you are travelling has advised against all, or
o flying as a fare paying passenger in a fully licensed
all but essential travel. passenger carrying aircraft
o flying fox (cable car)
Sports and activities covered o football (amateur only and not main purpose of trip)
o frisbee/ultimate frisbee including competitions
The following lists detail the sports and activities that this o *glass bottom boats/bubbles
policy will cover without charge when you are participating o go karting (within organisers guidelines)
on a recreational and non professional basis during any trip. o golf
Any involvement is these sports and/or activities is subject to o handball
your compliance with local laws and regulations and the use o hitchhiking (organised groups of adults only)
o horse riding (wearing a helmet and excluding competitions,
of recommended safety equipment (such as helmet, harness,
racing, jumping and hunting)
knee and/or elbow pads). If you intend to participate in any
o hot air ballooning (organised pleas­ure rides only)
other sports or activities which are not mentioned below, o *hovercraft driving/passenger
please email us at queries@aic.co.zw as we may be able to
9
 o hurling (amateur only and not main purpose of trip) o water polo
o indoor climbing (on climbing wall) o water skiing/water ski jumping
o indoor skating/skateboarding (wear­ing pads and helmets) o whale watching
o jet boating (no racing) o wicker basket tobogganing
o jogging o wind surfing/sailboarding
o *jousting o wind tunnel flying (pads and helmets to be worn)
o *karting (wearing a helmet and no racing) o zip lining/trekking (safety harness must be worn)
o kayaking (up to grade 2 rivers) o zorbing/hydro zorbing/sphering
o korfball
o mountain biking (wearing a helmet and no racing)
o netball
MEDICAL EMERGENCY ASSISTANCE
o octopush
o orienteering You must contact the Medical Emergency Assistance
o paint balling/war games (wearing eye protection) Service in the event of an illness or accident which may
o passenger sledge lead to outpatient or in-patient hospital treatment or
o pedalos before any arrangements are made for repatriation; or in
o pony trekking (wearing a helmet) the event of curtailment necessitating your early return
o *power boating (no racing and non-competitive) home. The service operates 24 hours a day, 365 days a year
o racket ball for advice, assistance, making arrangements for hospital
o rambling admission, repatriation (returning you to your home area)
o refereeing (amateur only) and authorisation of medical expenses. If this is not possible
o ringos because the condition requires emergency treatment you
o roller skating/blading/in line skating (wearing pads and must contact the Medical Emergency Assistance Service at
helmets) the number below.
o rounders
o rowing (no racing)
Medical assistance abroad
o running (non-competitive)
o safari trekking/tracking in the bush (must be organised tour) The Emergency Assistance Service has the medical
o *sailing/yachting (if qualified or ac­companied by a expertise, contacts and facilities to help should you be
qualified person and no racing) injured in an accident or fall ill. The Emergency Assistance
o sand boarding/surfing/skiing Service will also arrange transport home when this is
o sand dune surfing/skiing considered to be medically necessary or when you are
o *sand yachting (no racing) told about the illness or death of a close relative or a close
o scuba diving up to depth of 18 me­tres (if qualified or business associate at home.
accompanied by qualified instructor and not diving
alone or involved in cave diving)
Payment for medical treatment abroad
o shooting/small bore target/rifle range shooting (within
organisers guidelines) If you are admitted to a hospital/clinic while abroad, the
o skateboarding (wearing pads and helmets) Emergency Assistance Service will arrange for medical
o snorkelling expenses, covered by the policy, to be paid direct to the
o softball hospital/clinic. To take advantage of this benefit someone
o spear fishing (without tanks) must contact the Emergency Assistance Service for you
o *speed sailing (no racing) as soon as possible. Private medical treatment is not
o squash covered unless authorised specifically by the Emergency
o *students working as counsellors or university Assistance Service.
exchanges for practical course work (non manual)
o surfing
o swimming The emergency assistance service provided for you by this
o swimming with dolphins insurance is operated by LINKHAM ASSIST. In the event
o swimming/bathing with elephants of any illness, injury, accident or hospitalisation which
o Sydney harbour bridge (organised and walking across requires Inpatient or Outpatient treatment anywhere in
clipped onto a safety line) the world, you must contact:
o table tennis
o *tall ship crewing (no racing) LINKHAM ASSIST
o ten pin bowling Tel ( Abroad) : + 27 10 211 6981
o tennis Email: assistance@linkham.com
o trampolining
o tree canopy walking
o trekking/hiking/walking up to 2,500 metres above sea level
o tug of war
o volleyball
o wake boarding

10
SECTION A - CANCELLATION OR nervous disorder that you are suffering from you must
CURTAILMENT CHARGES provide (at your own expense) a medical certificate
from either a registered mental health professional
What is covered if you are under the care of a Community Mental
We will pay you up to the amount shown in the Schedule Health Team or if not, a consultant specialising in the
of Benefits for your proportion only of any irrecoverable relevant field or
unused travel and accommodation costs and other pre- b) any other bodily injury, illness, disease or
paid charges which you have paid or are contracted to complications arising as a direct result of pregnancy,
pay, together with your proportion only of any reasonable you must provide (at your own expense) a medical
additional travel expenses incurred if : certificate from a medical practitioner stating that
this necessarily and reasonably prevented you from
a) cancellation of the trip is necessary and unavoidable travelling. We need the medical certificate completed
or as soon as you find out it is necessary to cancel the
b) the trip is curtailed before completion trip, as any delay in seeing a medical practitioner could
mean that your symptoms are no longer present. If
As a result of any of the following events: you cannot get an immediate appointment, please
1. The death, bodily injury, illness, disease, or complications make one for as early as possible and keep all details
arising as a direct result of : of this to help substantiate your claim.
a) you
b) any person who you are travelling or have arranged What is not covered
to travel with 1. The excess as shown in the Schedule of Benefits, unless
c) any person who you have arranged to stay with you have purchased the excess waiver and this is shown
d) your close relative on your schedule.
e) your close business associate. 2. The cost of your unused original tickets where the
2. You or any person who you are travelling or have Emergency Assistance Service or we have arranged and
arranged to travel with being quarantined, called as a paid for you to come home following curtailment of the
witness at a Court of Law or for jury service attendance. trip. If however you have not purchased a return ticket,
3. Redundancy of you or any person who you are travelling we reserve the right to deduct the cost of an economy
or have arranged to travel with, and at the time of
flight from any additional costs we have incurred which
booking the trip there was no reason to believe anyone
are medically necessary to repatriate you to your home.
would be made redundant.
4. You or any person who you are travelling or have arranged 3. The cost of Air Passenger Duty (APD) whether
to travel with, are a member of the Armed Forces, irrecoverable or not.
Territorial Army, Police, Fire, Nursing or Ambulance 4. Any claims arising directly or indirectly from:
Services or employees of a Government Department and a) Your misconduct or misconduct by any person who
have your/their authorised leave cancelled or are called you are travelling with or have arranged to travel
up for operational reasons, provided that the cancellation with leading to dismissal, your/their resignation,
or curtailment could not reasonably have been expected voluntary redundancy, you/their entering into a
at the time when you purchased this insurance or at the compromise agreement, or where you/they had
time of booking any trip. received a warning or notification of redundancy
5. The Police or other authorities requesting you to stay at before you purchased this insurance or at the time of
or return to your home due to serious damage to your booking any trip.
home caused by fire, aircraft, explosion, storm, flood, b) Circumstances known to you before you purchased
subsidence, fallen trees, collision by road vehicles, this insurance or at the time of booking any trip
malicious people or theft. which could reasonably have been expected to lead
to cancellation or curtailment of the trip.
Special conditions relating to claims 5. Travel tickets paid for using any airline mileage, unless
1. You must get (at your own expense) a medical certificate evidence of specific monetary value can be provided.
from a medical practitioner and the prior approval of the 6. Accommodation costs paid for using any Timeshare,
Emergency Assistance Service to confirm the necessity Holiday Property Bond or other holiday points scheme.
to return home, prior to curtailment of the trip due to In addition any property maintenance costs, fees or
death, bodily injury, illness, disease or complications charges incurred by you, as part of your involvement in
arising as a direct result of pregnancy. such schemes is not covered.
2. If you fail to notify the travel agent, tour operator or 7. Cancellation is not covered for Area 7 - Inbound Plus as
provider of transport or accommodation as soon as you your insurance starts when you reach Zimbabwe.
find out it is necessary to cancel the trip, the amount we 8. Anything mentioned in What is not covered applicable
will pay will be limited to the cancellation charges that to all sections of the policy.
would have otherwise applied.
3. If you cancel the trip due to: You should also refer to the Important conditions relating
a) stress, anxiety, depression or any other mental or to health.
11
 Claims evidence reasonable evidence to show the cost of the calls.
We will require (at your own expense) the following 4. The cost of taxi fares for your travel to or from hospital
evidence where relevant: relating to your admission, discharge or attendance
• A medical certificate from the treating medical for outpatient treatment or appointments and/or for
practitioner (or in the case of stress, anxiety, depression collection of medication prescribed for you by the hospital.
or any other mental or nervous disorder, either a 5. If you die:
registered mental health professional or a consultant a) outside your home the reasonable additional cost of
specialising in the relevant field) explaining why it was funeral expenses abroad plus the reasonable cost of
necessary for you to cancel or curtail the trip. returning your ashes to your home, or the additional
• In the case of death causing cancellation or curtailment costs of returning your body to your home
of the trip, the original death certificate. b) within your home the reasonable additional cost of
• Booking confirmation together with a cancellation returning your ashes or body to your home.
invoice from your travel agent, tour operator or provider 6. Reasonable additional transport and/or accommodation
of transport/accommodation. expenses incurred, up to the standard of your original
• In the case of curtailment claims, written details booking (for example full or half board, all inclusive,
from your travel agent, tour operator or provider of bed and breakfast, self catering or room only), if it
transport/accommodation of the separate costs of is medically necessary for you to stay beyond your
transport, accommodation and other pre-paid costs or scheduled return date. This includes, with the prior
charges that made up the total cost of the trip. authorisation of the Emergency Assistance Service,
• Your unused travel tickets. reasonable additional transport and/or accommodation
• Receipts or bills for any costs, charges or expenses expenses for a travelling companion, friend or close
claimed for. relative to stay with you or travel to you from Zimbabwe
• In the case of compulsory quarantine, a letter from the or escort you. Also additional travel expenses to return
relevant authority or the treating medical practitioner. you to your home or a suitable hospital nearby if you
• In the case of jury service or witness attendance, the cannot use the return ticket.
court summons. 7. With the prior authorisation of the Emergency Assistance
• The letter of redundancy for redundancy claims. Service, the additional costs incurred in the use of air
• A letter from the commanding officer concerned, transport or other suitable means, including qualified
confirming cancellation of authorised leave or call up attendants, to repatriate you to your home if it is medically
for operational reasons. necessary. These expenses will be for the identical class
• In the case of serious damage to your home a report of travel utilised on the outward journey unless the
from the Police or relevant authority. Emergency Assistance Service agree otherwise.
• Any other relevant information relating to your claim 8. We will pay up to the limit shown in the Schedule of
under this section that we may ask you for. Benefits for every 24 hours you have to stay in hospital
as an in-patient or are confined to your accommodation
To make a claim under this section please call: due to your compulsory quarantine or on orders of a
(+263) 08677000715 medical practitioner outside your home as a result of
bodily injury, illness or disease you sustain.
9. Real Cost for a friend or close relative to travel from the
SECTION B – EMERGENCY MEDICAL AND Home country to escort minor children under the age
OTHER EXPENSES 16 to your Home in your country if you are physically
unable to take care of them. If you cannot nominate a
What is covered person We will then select a competent person.
We will pay you up to the limit shown in the Schedule 10. Economy Class return air ticket as per the limit for
of Benefits for the following expenses which are accommodation expenses for a Close relative from
necessarily incurred during a trip as a result of you the Country of residence to visit You or escort You
suffering unforeseen bodily injury, illness, disease and/or to your Home if you are travelling alone and if You
compulsory quarantine: are hospitalised as an in-patient for more than 10
1. Emergency medical, surgical, hospital, ambulance and days with your prior authorisation of the Emergency
nursing fees and charges incurred outside of your home Assistance Service.
2. Emergency dental treatment for the immediate relief of 11. We will pay you up to the amount as shown in the
pain (to natural teeth only) incurred outside of your home Schedule of benefits if you sustain bodily injury due to
3. Costs of telephone calls: an accident whilst driving a private motor vehicle or
a) to the Emergency Assistance Service notifying and fare paying passenger.
dealing with the problem for which you are able to
provide receipts or other reasonable evidence to show Special conditions relating to claims
the cost of the calls and the numbers you telephoned 1. You must tell the Emergency Assistance Service as
b) incurred by you when you receive calls on your soon as possible of any bodily injury, illness or disease
mobile phone from the Emergency Assistance Service which necessitates your admittance to hospital as an in-
for which you are able to provide receipts or other
12
 patient or before any arrangements are made for your e) Additional costs arising from single or private room
repatriation. accommodation.
2. If you suffer bodily injury, illness or disease we reserve f) Treatment or services provided by a health spa,
the right to move you from one hospital to another and/ convalescent or nursing home or any rehabilitation centre
or arrange for your repatriation to Zimbabwe at any unless agreed by the Emergency Assistance Service.
time during the trip. We will do this, if in the opinion g) Any costs incurred by you to visit another person in
of the Emergency Assistance Service or us (based on hospital.
information provided by the medical practitioner in h) Any costs relating to herbal or homeopathic
attendance), you can be moved safely and / or travel medicines or therapies, acupuncture, or traditional
safely to your home or a suitable hospital nearby to Chinese medicines or therapies unless agreed with
continue treatment. the Emergency Assistance Company
3. The intention of this section is to pay for emergency i) Any expenses incurred after you have returned to
medical/surgical/ dental treatment only and not for your home
treatment or surgery that can be reasonably delayed j) Any expenses incurred in Zimbabwe which are:
until your return to your home area. Our decisions i. for private treatment, or
regarding the treatment or surgery that we will pay for ii. are funded by, or are recoverable from other
(including repatriation to your home ) will be based on insurers, or
this. If you do not accept our decisions and do not want iii. are funded by a reciprocal health agreement
to be repatriated, then we will cancel all cover under (RHA) between these countries and/or islands.
your policy and refuse to deal with claims for any further k) Expenses incurred as a result of a tropical disease where
treatment and/or your repatriation to your home. you have not had the recommended inoculations and/
or taken the recommended medication.
What is not covered l) Any expenses incurred after the date on which we
1. The excess as shown in the Schedule of Benefits, unless exercise our rights under this section to move you
you have purchased the excess waiver and this is shown from one hospital to another and/or arrange for
on Your schedule. your repatriation but you decide not to be moved or
2. Normal pregnancy, without any accompanying bodily repatriated.
injury, illness, disease or complication. This section 5. We will not pay the benefit under Accident by road only
is designed to provide cover for unforeseen events, if an insured person sustains a bodily injury while doing
accidents, illnesses and diseases and normal childbirth any of the following:
would not constitute an unforeseen event. • Driving with more alcohol in the blood than is allowed
3. The cost of your unused original tickets where the by the law of the country in which you are driving
Emergency Assistance Service or we have arranged and • Motorcycling (including riding mopeds and motor
paid for you to return to your home, if you cannot use tricycles) as a driver or passenger
• Driving a vehicle where the insured person does not
the return ticket. If however you have not purchased a
hold a current Zimbabwean or International driving
return ticket, we reserve the right to deduct the cost
licence to drive such a vehicle
of an economy flight from any additional costs we have • Driving a vehicle without valid insurance
incurred which are medically necessary to repatriate • Engaging in or practising for racing, rallies, trials or
you to your home. speed tests
4. Any claims arising directly or indirectly for: • Carrying out their duties in one of the armed forces.
a) The cost of treatment or surgery, including Travelling between the insured person’s home and
exploratory tests, which are not related to the bodily normal place of work is not military duty as long as
injury or illness which necessitated your admittance the home and place of work are not on the same
into hospital. military site.
b) Any expenses which are not usual, reasonable or 6. Anything mentioned in What is not covered applicable
customary to treat your bodily injury, illness or to all sections of the policy.
disease.
c) Any form of treatment or surgery which in the opinion You should also refer to the Important conditions relating
of the Emergency Assistance Service or us (based on to health.
information provided by the medical practitioner in
Claims evidence
attendance), can be delayed reasonably until your
We will require (at your own expense) the following
return to your home
evidence where relevant:
d) Expenses incurred in obtaining or replacing
• Receipts or bills for all in-patient/ out-patient treatment
medication, which you know you will need at the
or emergency dental treatment received.
time of departure or which will have to be continued
• In the event of death, the original death certificate and
outside of your home Where possible and with the
receipts or bills for funeral, cremation or repatriation
agreement of your medical practitioner, you should
expenses.
always travel with plenty of extra medication in case
• Receipts or bills for taxi fares to or from hospital
of travel delays.
13
 claimed for, stating details of the date, name and reasonably until your return to your home area.
location of the hospital concerned. ii) as a result of a tropical disease where you have not
• Receipts or bills or proof of purchase for any other had the WHO recommended inoculations and/ or
transport, accommodation or other costs, charges or taken WHO the recommended medication.
expenses claimed for, including calls to the Emergency iii) occurring in Zimbabwe relating to either private
Assistance Service. treatment or test, surgery or other treatment
• Any other relevant information relating to your claim funded or recoverable from the Health Authority
under this section that we may ask you for. in your home country or from any insurer
2) Anything mentioned in What is not covered applicable
To make a claim under this section please call : to all sections of the policy.
(+263) 08677000715
Claims evidence
For medical assistance and or repatriation claims please call : We will require (at your own expense) the following
+ 27 10 211 6981 evidence where relevant:
• Confirmation in writing from the hospital, relevant
HOSPITAL BENEFIT authority or the treating medical practitioner of the
dates when you were admitted and subsequently
What is covered discharged from hospital, compulsory quarantine
We will pay you up to the limit shown in the Schedule or confinement to your accommodation.
of Benefits for every complete 24 hours you have to
stay in hospital as an in-patient or are confined to your Any other relevant information relating to your claim
accommodation due to your compulsory quarantine or under this section that we may ask you for.
on the orders of a medical practitioner outside your home
area as a result of bodily injury, illness or disease you SECTION C – PERSONAL ACCIDENT
sustain.
Special definitions relating to this section (which are
We will pay the amount above in addition to any amount shown in italics) :
payable under Section B – Emergency medical and other
expenses. This payment is meant to help you pay for Loss of limb
additional expenses such as taxi fares and phone calls Means loss by permanent severance of an entire hand or
incurred by your visitors during your stay in hospital. foot or the total and permanent loss of use of an entire
hand or foot.
Special conditions relating to claims
Loss of sight
1. You must tell the Emergency Assistance Service as Means total and irrecoverable loss of sight which shall be
soon as possible of any bodily injury, illness or disease considered as having occurred:
which necessitates your admittance to hospital as an in- a) in both eyes, if you are officially confirmed Blind
patient, compulsory quarantine or confinement to your by a qualified authority or a qualified ophthalmic
accommodation on the orders of a medical practitioner. specialist and
b) in one eye if the degree of sight remaining after
What is not covered correction is 3/60 or less on the Snellen scale.
1) Any claims arising directly or indirectly from:
a) Any additional period of hospitalisa­tion, compulsory Permanent Total Disablement
quarantine or con­finement to your accommodation: Means disablement which:
i) relating to treatment or surgery, including a) continues for a period of three hundred and sixty-five
exploratory tests, which are not directly related (365) days, and
to the bodily injury, illness or disease which b) is confirmed as total, continuous and Permanent by a
necessitated your admittance into hospital. Medical Practitioner after three hundred and sixty-five
ii) relating to treatment or services provided by a (365) days, and
convalescent or nursing home or any rehabilitation c) entirely prevents an Insured Person from engaging in or
giving attention to gainful occupation of any and every
centre.
kind for the remainder of his or her life.
iii) following your decision not to be repatriated after
the date, when in the opinion of the Emergency
What is covered
Assistance Service it is safe to do so.
We will pay one of the benefits as shown in the Schedule
b) Hospitalisation, compulsory quarantine or
of Benefits if you sustain bodily injury which shall solely
confinement to your accommodation:
and independently of any other cause, result within two
i) relating to any form of treatment or surgery which
years in your death, loss of limb, loss of sight or permanent
in the opinion of the Emergency Assistance Service
total disablement.
or us (based on information provided by the
medical practitioner in attendance), can be delayed
14
Special conditions relating to claims of clothing, medication and toiletries if your baggage is
1. Our medical practitioner may examine you as often temporarily lost in transit during the outward journey
as they consider necessary if you make a claim. and not returned to you within 8 hours, as long as we
receive written confirmation from the carrier, confirming
Provisions the number of hours the baggage was delayed.
1) Benefit is not payable to you: If the loss is permanent we will deduct the amount paid
a) Under more than one of the items shown in the from the final amount to be paid under this section.
Schedule of Benefits under this section.
b) Under permanent total disablement until 24 3) We will pay you up to the amount as shown in the
continuous calendar months after the date you Schedule of Benefits for the accidental loss of, theft
sustain bodily injury. of or damage to personal money and documents
c) If you were already disabled before the bodily (including the unused portion of passports, visas and
injury occurred or already has a condition which driving licenses). We will also cover foreign currency
is gradually getting worse, we may reduce our during the 72 hours immediately before your departure
payment. Any reduced payment will be based on on the outward journey.
our medical assessment of the difference between:
i) the disability after the bodily injury; and The maximum we will pay for the following items is:
ii) the extent to which the disability is affected a) for bank notes, currency notes and coins is as shown
by the disability or condition before the bodily under the cash limit in the Schedule of Benefits.
injury occurred. b) for bank notes, currency notes and coins, if you are
2) The death benefit will be paid to the deceased insured under the age of 18 is as shown under the cash limit in
person’s estate. the Schedule of Benefits.
c) for all other personal money and documents
What is not covered (including the cost of the emergency replacement or
1. Anything mentioned in What is not covered applicable temporary passport or visa) is as shown under the
to all sections of the policy. Schedule of Benefits.

Claims evidence Special conditions relating to claims

We will require (at your own expense) the following 1) You must report to the local Police in the country where
evidence where relevant: the incident occurred within 24 hours of discovery,
• In the event of death, the original death certificate. or as soon as possible after that and get (at your own
• A medical certificate or report in relation to claims expense) a written report of the loss, theft or attempted
for loss of limb, loss of sight or permanent total theft of all baggage.
disablement. 2) If baggage is lost, stolen or damaged while in the care
• Any other relevant information relating to your claim of a carrier, transport company, authority, hotel or your
under this section that we may ask you for. accommodation provider you must report details of the
loss, theft or damage to them in writing and get (at your
To make a claim under this section please call own expense) written confirmation.
(+263) 08677000715 3) If personal money or passports are lost, stolen
or damaged while in the care of a hotel or your
SECTION D – BAGGAGE LOSS accommodation provider you must report details of
the loss, theft or damage to them in writing and get (at
(only operative if indicated in the schedule)
your own expense) written confirmation. Keep all travel
tickets and tags for submission if a claim is to be made
What is covered
1) We will pay you up to the amount as shown in the under this policy.
Schedule of Benefits for the accidental loss of, theft 4) If baggage, personal money or passports are lost, stolen
of or damage to baggage. The amount payable in the or damaged whilst in the care of an airline you must:
event of a total loss, will be the value at today’s prices a) get a Property Irregularity Report from the airline.
less a deduction for wear, tear and depreciation (loss of b) give written notice of the claim to the airline within
value), or we may replace, reinstate or repair the lost or the time limit contained in their conditions of carriage
damaged baggage.
(please retain a copy).
The maximum we will pay you for the following items is: c) keep all travel tickets and tags for submission if you
a) for any one article, pair or set of articles is as are going to make a claim under this policy.
shown in the Schedule of Benefits. 5) You must provide (at your own expense) an original
receipt or proof of ownership for items lost, stolen or
2) We will also pay you up to the amount as shown in the damaged to help you to substantiate your claim.
Schedule of Benefits for the emergency replacement
15
 What is not covered Claims evidence
1) The excess as shown in the Schedule of Benefits, unless We will require (at your own expense) the following
you have purchased the Excess waiver and this is shown evidence where relevant:
on Your schedule. (except claims under subsection 2 of • A police report from the local Police in the country
What is covered). where the incident occurred for all loss, theft or
2) Loss, theft of or damage to valuables and personal attempted theft.
money left unattended at any time (including in a • A Property Irregularity Report from the airline or a
vehicle, in checked in luggage or while in the custody
letter from the carrier where loss, theft or damage
of a carrier, tour operator or public transport operator)
occurred in their custody.
unless deposited in a hotel safe, safety deposit box or
left in your locked accommodation. • A letter from your tour operator’s representative, hotel
3) Loss, theft of or damage to travellers’ cheques if you or accommodation provider where appropriate.
have not complied with the issuer’s conditions or where • All travel tickets and tags for submission.
the issuer provides a replacement service. • An original receipt, proof of ownership or valuations for
4) Loss or damage due to delay, confiscation or detention items lost, stolen or damaged and for all items of clothing,
by customs or any other authority. medication and toiletries replaced if your baggage is
5) Loss or damage due to depreciation (loss in value), temporarily lost in transit for more than 12 hours.
variations in exchange rates or shortages due to error • Receipts of bills or proof of purchase for any transport
or omission. and accommodation expenses claimed for.
6) Travel, event or entertainment tickets paid for using • Receipt for all currency and travellers cheques transactions.
any airline mileage or supermarket reward scheme (for • A letter from the carrier confirming the number of
example Avios), unless evidence of specific monetary hours your baggage was delayed for.
value can be provided. • Repair report where applicable.
7) Loss, theft of or damage to baggage contained in an
• Any other relevant information relating to your claim
unattended vehicle:
under this section that we may ask you for.
a) overnight between 9 pm and 9 am (local time) or
b) at any time between 9 am and 9 pm (local time) unless:
i) it is locked out of sight in a secure baggage area To make a claim under this section please call
and (+263) 08677000715
ii) forcible and violent means have been used by an
unauthorised person to gain entry into the vehicle SECTION E - TRAVEL INCONVENIENCE
and evidence of such entry is available.
8) Loss or damage due to delay, confiscation or detention
TRAVEL AND FLIGHT DELAY
by customs or any other authority.
9) Loss, theft of or damage to unset precious stones, What is covered
contact or corneal lenses, hearing aids, dental or If the public transport on which you are booked to travel:
medical fittings, antiques, musical instruments, motor 1) is delayed at the final departure point from, or trips
accessories, documents of any kind, bonds, securities, within Zimbabwe, (but not including delays to any
perishable goods (such as foodstuffs), bicycles, ski subsequent outbound or return connecting public
equipment, golf equipment and damage to suitcases transport) for at least 6 hours from the scheduled time
(unless the suitcases are entirely unusable as a result of of departure, or
one single incidence of damage). 2) is cancelled before or after the scheduled time of
10) Loss or damage due to cracking, scratching, breakage departure as a result of any of the following events:
of or damage to china, glass (other than glass in watch a) strike or
faces, cameras, binoculars or telescopes), porcelain or b) industrial action or
other brittle or fragile articles unless caused by fire, c) adverse weather conditions or
theft, or an accident to the aircraft, sea vessel, train or d) mechanical breakdown of or a technical fault occurring
vehicle in which they are being carried.
in the public transport on which you are booked to travel
11) Loss or damage due to breakage of sports equipment
or damage to sports clothing whilst in use.
12) Loss, theft of or damage to business equipment, We will pay you:
business goods, samples, tools of trade and other 1) up to the amount as shown in the Schedule of Benefits
items used in connection with your business, trade, for the first completed 12 hours delay and as shown in
profession or occupation. the Schedule of Benefits for each full 12 hours delay
13) Loss or damage caused by wear and tear, depreciation after that, up to a maximum as shown in the Schedule of
(loss in value), atmospheric or climatic conditions, Benefits (which is meant to help you pay for telephone
moth, vermin, any process of cleaning repairing or calls made and meals and refreshments purchased
restoring, mechanical or electrical breakdown. during the delay) provided you eventually travel, or
14) Anything mentioned in What is not covered applicable 2) up to the amount as shown in the Schedule of Benefits
to all sections of the policy. for your proportion only of any irrecoverable unused
travel and accommodation costs and other pre-paid

16
 charges which you have paid or are contracted to pay, if: of accommodation (or their booking agents) that
a) after a delay of at least 12 hours, or compensation, assistance or reimbursement of any
b) following cancellation, no suitable alternative public costs, charges and expenses incurred by you will not be
transport is provided within 12 hours of the scheduled provided and the reason for this.
time of departure 5) You must allow enough time for the public transport or
other transport to arrive on schedule and to deliver you
You can only claim under subsection 1. or 2. above for the to departure point.
same event, not both.
What is not covered
Missed Departure : 1) The excess as shown in the Schedule of Benefits, unless
you have purchased the excess waiver and this is shown
What is covered on your schedule.
We will pay you up to the amount as shown in the Schedule 2) Claims arising directly or indirectly from:
of Benefits for reasonable additional accommodation a) Strike or industrial action existing or being publicly
(room only) and travel expenses necessarily incurred in announced by the date you purchased this insurance
reaching your overseas destination if you fail to arrive at or at the time of booking any trip.
the departure point in time to board the public transport on b) An aircraft or sea vessel being withdrawn from service
which you are booked to travel on for the initial international (temporary or otherwise) on the recommendation
outbound and return legs only of the trip as a result of: of the Civil Aviation Authority, Port Authority or any
1. the failure of other public transport or such regulatory body in a country to/from which you
2. an accident to or breakdown of the vehicle in which you are travelling.
are travelling or c) Any delays to any subsequent outbound or return
3. an accident or breakdown happening ahead of you on connecting public transport following your departure
a public road which causes an unexpected delay to the from the final departure point from or to Zimbabwe.
vehicle in which you are travelling or d) Any accident to or breakdown of the vehicle in which
4. strike, industrial action or adverse weather conditions. you are travelling when a repairers report or other
evidence is not provided.
Missed Connection : e) Breakdown of any vehicle owned by you which
We will pay you up to the amount as shown in the Schedule has not been services properly and maintained in
of Benefits for reasonable additional accommodation accordance with manufacturer’s instructions.
(room only) and travel expenses necessarily incurred f) Your failure to arrive at the departure point in time
in reaching your overseas destination if your onward to board any connecting public transport after your
connecting Scheduled flight is missed at the transfer departure on the initial international outbound and
point due to the late arrival of your connecting Scheduled return legs of the trip.
Flight, and no alternative onward transportation is made g) Volcanic eruptions and/or volcanic ash clouds.
available to you within four (4) hours of the actual arrival 3) For subsection 2. only of What is covered:
time of the incoming flight. a) The cost of Air Passenger Duty (APD) whether
You can only claim under one of either Travel and Flight irrecoverable or not.
delay or Missed departure for the same event, not both. b) Travel tickets paid for using any airline mileage or
supermarket reward scheme, unless evidence of
Special conditions relating to claims specific monetary value can be provided.
1) You must check in according to the itinerary given to c) Accommodation costs paid for using any Timeshare,
you unless your tour operator has requested you not to Holiday Property Bond or other holiday points
travel to the airport. scheme. In addition any property maintenance
2) You must get written confirmation (at your own expense) costs, fees or charges incurred by you, as part of
from the carriers (or their handling agents) of the your involvement in such schemes is not covered.
cancellation, number of hours of delay and the reason for d) Any costs incurred by you which are recoverable
these together with confirmation of your check in times from the providers of the accommodation, their
and details of any alternative transport offered. booking agents (or the administrators of either) or
3) You must comply with the terms of contract of the for which you receive or are expected to receive
travel agent, tour operator, carrier or transport provider compensation or reimbursement.
and seek financial compensation, assistance or a refund e) Any costs incurred by you which are recoverable
of your ticket from them in accordance with such from the public transport operator or for which you
terms and/or (where applicable) your rights under receive or are expected to receive compensation,
Zimbabwe Air Passenger Rights legislation in the event damages, refund of tickets, meals, refreshments,
of cancellation or long delay of flights. accommodation, transfers, communication facilities
4) Where applicable you must get (at your own expense) or other assistance.
written confirmation from the public transport f) Any costs incurred by you which are recoverable
operator (or their handling agents) and/or provider from your credit/ debit card provider or for which
17
 you receive or are expected to receive compensation 2) You must send us every court claim form, summons, letter
or re-imbursement. of claim or other document as soon as you receive it.
g) Any travel and accommodation costs, charges and
expenses where the public transport operator has 3) You must not admit any liability or pay, offer to pay,
offered reasonable alternative travel arrangements. promise to pay or negotiate any claim without our
h) Any cost if your trip was booked as part of a package permission in writing.
holiday. 4) We will be entitled to take over and carry out in your
4) Anything mentioned in What is not covered applicable name the defence of any claims for compensation or
to all sections of the policy. damages or otherwise against any third party. We will
have full discretion in the conduct of any negotiation or
Claims evidence proceedings or in the settlement of any claim and you
We will require (at your own expense) the following will give us all necessary information and assistance
evidence where relevant: which we may require.
• Full details of the travel itinerary supplied to you. 5) If you die, your legal representa­tive(s) will have the
• A letter from the carriers (or their handling agents) protection of this cover as long as they comply with the
confirming the number of hours delay, the reason for terms and conditions out­lined in this policy.
the delay and confirmation of your check in time.
• In the case of cancellation claims, your booking What is not covered
confirmation together with written details from your 1) The excess as shown in the Schedule of Benefits in
travel agent, tour operator or provider of transport/ relation to any temporary holiday accommodation
accommodation of the separate costs of transport, occupied by you unless you have purchased the excess
accommodation and other pre-paid costs or charges waiver and this is shown on your schedule.
that made up the total cost of the trip. 2) Compensation or legal costs arising directly or indirectly
from:
• Your unused travel tickets.
a) Liability which has been assumed by you under
• Receipts or bills for any transport, accommodation or
agreement (such as a hire agreement) unless the
other costs, charges or expenses claimed for. liability would have existed without the agreement.
• Written confirmation from the provider of transport/ b) Pursuit of any business, trade, profession or
accommodation that compensation, assistance or occupation or the supply of goods or services.
reimbursement of any costs, charges and expenses incurred c) Ownership, possession or use of mechanically
by you will not be provided and the reason for this. propelled vehicles, aircraft or watercraft (other than
• A letter from the public transport provider detailing the surfboards or manually propelled rowing boats,
reasons for failure. punts or canoes).
• A letter from the relevant public transport provider, d) The transmission of any contagious or infectious
carrier or authority confirming details of the strike, disease or virus.
industrial action or adverse weather conditions. 3) Anything mentioned in What is not covered applicable
• Any other relevant information relating to your claim to all sections of the policy.
under this section that we may ask you for.
Claims evidence
SECTION F – PERSONAL LIABILITY We will require (at your own expense) the following
evidence where relevant:
What is covered • Full details in writing of any incident.
We will pay you up to the amount as shown in the Schedule
• Any court claim form, summons, letter of claim or other
of Benefits (including legal costs and expenses) against any
amount you become legally liable to pay as compensation document must be sent to us as soon as you receive it.
for any claim or series of claims arising from any one event • Any other relevant information relating to your claim
or source of original cause for accidental: under this section that we may ask you for.
1) Bodily injury, death, illness or disease to any person who
is not in your employment or who is not a close relative To make a claim under this section please call
or persons residing with you but not paying for their (+263) 08677000715
accommodation.
2) Loss of or damage to property that does not belong to SECTION G – LEGAL EXPENSES
and is neither in the charge of or under the control of
you, a close relative and/or anyone in your employment What is covered
other than any temporary holiday accommodation We will pay up to the amount as shown in the Schedule
occupied (but not owned) by you. of Benefits for legal costs to pursue a civil action for
compensation, against someone else who causes you
Special conditions relating to claims
bodily injury, illness or death.
1) You must give us written notice of any incident, which
may result in a claim as soon as possible.
Where there are two or more insured persons insured by
18
this policy, then the maximum amount we will pay for all To make a claim under this section please call
such claims shall not exceed double the amount shown in (+263) 08677000715
the Schedule of Benefits.
SECTION H – HIJACK, HOSTAGE, WRONGFUL
Special conditions relating to claims
1) We shall have complete control over the legal case
DETENTION
through agents we nominate, by appointing agents of What is Covered
our choice on your behalf with the expertise to pursue We will pay You up to the amounts shown in the Schedule
your claim. of Benefits for each 24 hours You are detained in the event
2) You must follow our agent’s advice and provide any that the aircraft or sea vessel in which You are travelling as
information and assistance required within a reasonable a fare paying passenger is hijacked.
timescale.
3) You must advise us of any offers of settlement made by What is Not Covered
the negligent third party and you must not accept any Anything mentioned in GENERAL EXCLUSIONS on page 8.
such offer without our permission.
4) We may include a claim for our legal costs and other Claims evidence
related expenses. We will require the following evidence where relevant:
5) We may, at our own expense, take proceedings in your A police report from the local police in the country where
name to recover compensation from any third party for the incident occured
any legal costs incurred under this policy. You must give
us any assistance we require from you and any amount SECTION I – REIMBURSEMENT OF
recovered shall belong to us. UNIVERSITY /COLLEGE FEES
What is not covered What is Covered:
1) The excess as shown in the Schedule of Benefits. We will pay you up to the amount shown in the Schedule
of Benefits for any irrecoverable pre-paid college/
We shall not be liable for: university/language school course fees you have paid or
1) Any claim where in our opinion there is insufficient are contracted to pay if:
prospect of success in obtaining reasonable compensation. 1) cancellation of the trip is necessary and unavoidable; or
2) Legal costs and expenses incurred in pursuit of any claim 2) the trip is curtailed before comple­tion; as a result of the
against a travel agent, tour operator, carrier, us or our death, bodily injury or illness of:
agents, One Group or their agents, someone you were a) You, or
b) Your close relative.
travelling with, a person related to you, or another
insured person.
What is not Covered:
3) Legal costs and expenses incurred prior to our written In addition to the General Exclusions of the policy, we shall
acceptance of the case. not be responsible for:
4) Any claim where the legal costs and expenses are likely to 1. the excess as shown in the Schedule of Benefits;
be greater than the anticipated amount of compensation. 2. any claim arising directly or indirectly from any
5) Any claim where legal costs and expenses are variable pre-existing medical conditions;
depending on the outcome of the claim. 3. any claims arising directly or indirectly from circumstance
6) Legal costs and expenses incurred if an action is brought known to you prior to the date this insurance is
in more than one country. purchased by you or the time of book­ing any trip
7) Any claim where in our opinion the estimated amount (whichever is the earlier) which could reasonably have
of compensation payment is less than $1,000 for each been ex­pected to give rise to cancellation or curtailment
insured person. of the trip;
8) Travel, accommodation and incidental costs incurred to 4. more than the cost of that proportion of the course missed;
pursue a civil action for compensation. 5. anything mention in the General Exclusions (Page 8).
9) The costs of any Appeal.
You should also refer to the Important Conditions In
10) Claims by you other than in your private capacity.
Relation To Health.
11) Anything mentioned in What is not covered applicable
to all sections of the policy.
SPECIAL CONDITIONS RELATING TO CLAIMS
Claims evidence
We will require (at your own expense) the following 1) You must obtain (at your own expense) a medical
evidence where relevant: certificate from a medical practitioner and prior
• Relevant documentation and evidence to support your approval of the Emergency Assistance Service to confirm
claim, including photographic evidence. the necessity to return home prior to curtailment of the
• Any other relevant information relating to your claim trip due to death, bodily injury or illness.
under this section that we may ask you for.
19
 2) If you fail or delay to notify the travel agent, tour Special conditions
operator or pro­vider of transport/accommodation 1) We will only consider claims relating to coronavirus
immediately at the time it is found necessary to that are supported with a positive result for a
cancel the trip our liability shall be restricted to the government certified coronavirus test in the country
cancellation changes that would have applied had of departure prior to departure or from the country of
failure not occurred. destination prior to your return journey.
3) If you cancel the trip due to bodily injury or illness you 2) If you are denied boarding as a result of coronavirus
must provide a medical certificate from the medical you must have documented proof of this from the
practitioner treating the injured/ill person, stating that airline.
this necessarily and reasonably prevented you from 3) The cancellation benefit is only applicable if your trip is
travelling. You must provide your invoice and receipts booked more than 14 days prior your departure date.
for unused course fees, charges or expenses claimed for.
4) You must provide written confirmation from your What is not covered
college/university/language school that the course or 1) Claims if your trip was not booked more than 14 days
any part of it needs to be repeated as a direct result of: prior to your originally booked departure date.
a) death, bodily injury or illness to a close relative 2) Claims for cancellation due to coronavirus where you
making it necessary for you to return to your home have failed to obtain a positive coronavirus antigen
or, b. bodily injury or illness to you which strictly test in the country of departure prior to departure or
necessitates absence from the course. an official government certified coronavirus antigen
test from the country of destination prior to your
SECTION J - TOP UP return journey;
3) Claims where you have failed to adhere to government
It is hereby declared and agreed that the insurance by and/or airline guidelines, either in your country of
this Policy is extended to include any one of the following departure or arrival, on obtaining a coronavirus test
“Top-up” covers if stated to be applicable in the policy prior to travel;
schedule subject to : 4) Claims arising if you or your travelling companion(s)
or close relative had officially recognised symptoms
1. The Policyholder having paid the additional premium associated with coronavirus at the time of buying this
2. The maximum limit stated in the Benefit Schedule. insurance policy or booking the trip.
5) Claims arising if you, your travelling companion(s) or
Coronavirus (COVID-19)
1. Cancellation and/or Curtailment charges (Sub-Limit) close relative are awaiting results after undertaking a
If you have paid the appropriate additional premium and coronavirus test or have tested positive within the 14
this is shown on your schedule we will pay you up to the days prior to booking your trip.
limit shown in the Schedule of Benefits for expenses which 6) Claims arising from government or Foreign and
are necessarily incurred, during or in relation to a trip, Commonwealth Office advice, warning against all
arising directly from coronavirus. travel, or all but essential travel, due to any epidemic
or pandemic, including but not limited to Coronavirus;
What is covered
We will pay you, up to the amount shown in the Schedule 2. Emergency Medical and other expenses
of Benefits for unused and non-refundable portion of
travel and accommodation costs that you have paid What is covered
or contracted to pay and you suffer financial loss if you If you have paid the appropriate additional premium and
cancel before the start of your trip because of any of the this is shown on your schedule we will pay you up to the
following: limit shown in the Schedule of Benefits for the following
1) You, your travel companion(s) or any person you expenses which are necessarily incurred, during a trip as a
have arranged to stay with during your trip receiving a result of you suffering from coronavirus:
positive diagnosis of coronavirus within 14 days of the 1) Emergency medical, surgical, hospital, ambulance
start of the trip; and nursing fees and charges incurred outside of your
2) You, your travel companion(s) or any person you have Country of Residence.
arranged to stay with during your trip being admitted to
hospital due to coronavirus within 28 days of the start Special conditions
of the trip; We will only consider claims relating to coronavirus that
3) Your booked accommodation being required to close are supported with a positive result for a government
after you checked in at your booked accommodation certified coronavirus test in the country of departure
because of coronavirus; prior to departure or from the country of destination
4) You or your travel companion(s) being denied boarding prior to your return journey.
following either a positive coronavirus diagnosis or receiving
a temperature or other medical test reading which falls What is not covered
outside of the transport provider’s terms of travel. 1) Claims arising if you had officially recognised
20
 symptoms associated with coronavirus at the time of • Some sections are optional and these are marked* -
buying this insurance policy or booking your trip Your Travel Certificate will show if you selected any of
2) Claims arising if you are awaiting results after these options.
undertaking a coronavirus test.
3) The cost of your unused original tickets where the Significant or unusual limitations or what is not covered
Emergency Assistance Service or we have arranged • The standard excesses will be shown within your policy
and paid for you to return to your home, if you cannot wording.
use the return ticket. Where medically necessary for • Under annual multi trip policies there is no cover for
us or the Emergency Assistance Service to repatriate trips over 31 days.
you to your home as a result of coronavirus, and you • Any trip that has already begun when you purchase this
had not purchased a return ticket, we reserve the insurance will not be covered, except where this policy
right to deduct the cost of an economy flight from the replaces or you renew an existing annual multi trip
expenses. policy which fell due for renewal during the trip.
4) Any claims arising directly or indirectly for the cost
of treatment or surgery, including exploratory tests, What is not covered applicable to all sections of the policy
which are not related to the bodily injury or illness • War risks, civil commotion, terrorism, (except under
which necessitated your admittance into hospital. Section B – Emergency medical, and Section C – Personal
5) Any expenses which are not usual, reasonable or accident unless caused by nuclear, chemical or biological
customary to treat coronavirus. attack), sonic bangs, radioactive contamination.
6) Any form of treatment or surgery which, in the opinion • There are a number of sports, activities that are not
of the Emergency Assistance Service or us (based on covered - Please see paragraphs 4, 5, and 6 in What is
information provided by the medical practitioner in not covered - applicable to all sections of the policy in
attendance), can be delayed reasonably until your the policy wording.
return to your home. • Climbing on or jumping from vehicles, buildings or
7) Additional costs arising from single or private room balconies regardless of the height.
accommodation. • Willful, self-inflicted injury, suicide, drug use or solvent abuse.
8) Any costs relating to self-isolation or quarantine due • You drinking too much alcohol resulting in a claim.
to coronavirus. Treatment or services provided by • Unlawful actions and any criminal proceedings brought
a health spa, convalescent or nursing home or any against you.
rehabilitation centre unless agreed by the Emergency • Travel to a country, specific area or event which the has
Assistance Service. advised against all travel or all but essential travel.
9) Any costs incurred by you to visit another person in
hospital. What is not covered under Section A – Cancellation
10) Any costs relating to herbal or homeopathic medicines • Redundancy caused by misconduct, resignation,
or therapies, acupuncture, or traditional medicines voluntary redundancy, entering into a compromise
or therapies unless agreed with the Emergency agreement, or where you received a warning or
Assistance Company. notification of redundancy before you purchased this
11) Any expenses incurred after you have returned to insurance or at the time of booking any trip.
your home. • Any circumstances known to you before you purchased
12) Any expenses incurred after the date on which we this insurance or at the time of booking any trip that
exercise our rights under this section to move you could reasonably be expected to result in a claim.
from one hospital to another and/or arrange for • The cost of Air Passenger Duty (APD) whether
your repatriation but you decide not to be moved or irrecoverable or not.
repatriated.
What is not covered under Section B – Emergency medical
13) Anything mentioned in “What is not covered”
and other expenses
applicable to all sections of the policy.
• Treatment or surgery which in the opinion of the
Emergency Assistance Service, can wait until your
KEYFACTS return to your home area.
Significant features and benefits
• Medication, which prior to departure is known to be
• War risks, civil commotion and terrorism – cover for these
required.
events is provided under Section B – Emergency medical
• Expenses incurred as a result of a tropical disease
and other expenses, Section C – Hospital benefit and
where you have not had the Ministry of Health
Section D – Personal accident (unless caused by nuclear,
recommended inoculations and/ or taken the Health
chemical or biological attack) – Please see paragraph 1. in
Service recommended medication.
the What is not covered - applicable to all sections of the
• Pre Existing Medical Conditions
policy in the policy wording for full details.
• Hospitalisation, compulsory quarantine or confinement
• The Schedule of Benefits table (Page 2) shows the
to your accommodation as a result of a tropical disease
maximum benefits you can claim for each insured
where you have not had the WHO recommended
person (unless otherwise stated).
21
 inoculations and/or taken the WHO recommended • Loss or theft of traveller’s cheques where you have not
medication. complied with the issuing agents conditions.

What is not covered under Section C & F – Personal What is not covered under Section H – Hijack, Hostage
Accident & Liability Wrongful Detention
• Pursuit of any trade, business or profession, or • Personal money or your passport or visa left unattended
the ownership, possession or use of mechanically at any time unless in a hotel safe, safety deposit box or
propelled vehicles, aircraft or watercraft. in your locked accommodation.
• Any claim where in our opinion there is insufficient • Loss or theft of traveller’s cheques where you have not
prospect of success in obtaining reasonable complied with the issuing agents conditions.
compensation.
• Legal costs and expenses incurred prior to our written What is not covered under Section I – Reimbursement of
acceptance of the case. University/ College Fees
In addition to the General Exclusions of the policy, we shall
What is not covered under Section D – Baggage not be responsible for:
• Valuables left unattended at any time unless in a hotel • the excess as shown in the Schedule of Benefits;
safe, safety deposit box or in your locked accommodation. • any claim arising directly or indirectly from any pre-
• Baggage contained in an unattended vehicle between existing medical conditions;
9 pm and 9 am (or at any time between 9 am and 9 pm • any claims arising directly or indirectly from circumstance
unless it is locked out of sight in a secure baggage area) known to you prior to the date this insurance is purchased
– Please see the definition of secure baggage area in
by you or the time of booking any trip (whichever is the
the Definitions in the policy wording.
earlier) which could reasonably have been expected to
• Contact or corneal lenses, hearing aids, dental or
medical fittings, golf equipment and other items are give rise to cancellation or curtailment of the trip;
excluded - See your policy wording for the full list. • more than the cost of that proportion of the course.
• Business goods, samples or tools used in connection
with your occupation.
Duration
If this policy is an annual multi trip policy it lasts for a period
What is not covered under Section E – Travel
of 12 months after which it automatically expires, or it is
Inconvenience
for a single trip – Please refer to your policy schedule for
• Strike or industrial action existing or being publicly
your selected cover.
announced by the date you purchased this insurance
or at the time of booking any trip.
Cancellation period
• The cost of Air Passenger Duty (APD) whether
You are free to cancel this policy at any time. If you wish to
irrecoverable or not.
cancel within 14 days of receipt of the policy documents,
• Claims arising directly or indirectly from volcanic
you may do so by email to queries@aic.co.zw or by writing
eruptions and/or volcanic ash clouds.
to Alliance Insurance Company, 66, Ridgeway North,
• Any costs incurred by you which are recoverable
Borrowdale,Harare, Zimbabwe, for a full refund providing you
from the public transport operator or for which you
have not travelled and no claim has been made. If you cancel
receive or are expected to receive compensation,
after the first 14 days of receipt of the documents, no premium
damages, refund of tickets, meals, refreshments,
refund will be made. See General conditions applicable to the
accommodation, transfers, communication facilities or
whole policy in the policy wording for full details.
other assistance.
• Any travel and accommodation costs, charges and
Claim notification
expenses where the public transport operator has
To make a claim contact :
offered reasonable alternative travel arrangements.
Alliance Insurance Company,
• Strike or industrial action existing or being publicly
66, Ridgeway North,
announced by the date you purchased this insurance
Borrowdale,Harare,
or at the time of booking any trip.
Zimbabwe
• Your failure to arrive at the departure point in time
to board any connecting public transport after your
departure on the initial international outbound and
return legs of the trip.
• Claims arising directly or indirectly from volcanic
eruptions and/or volcanic ash clouds.

What is not covered under Section G – Legal Expenses

• Personal money or your passport or visa left unattended
at any time unless in a hotel safe, safety deposit box or
in your locked accommodation.
22
MAKING A COMPLAINT
Any complaint you may have about a claim should in the
first instance be addressed to Diamong Insurance Limited
at the contact details above.

If your complaint is about your policy in the first

instance please contact:

Alliance Insurance Company, 66, Ridgeway North,

Borrowdale,Harare, Zimbabwe
Tel: (+263) 08677000715

If the complaint is still not resolved, you can approach the

Insurance and Pensions Commissions (IPEC) :

The Insurance and Pensions Commissions (IPEC)

160 Rhodesville Avenue, Greendale
443358 / 443261 / 443422
0772 154 281, 0772 154 282, 0772 154 283, 0772 154 284

23