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Travel
Insurance Plan – ‘TRAVEL SMART’
(Content provided by AXA Insurance)
Whether you're traveling down under to
Australia or west to Continental Europe,
don’t let unplanned events turn your
travel plans upside down. Count on help
from us to ensure your peace of mind - no
matter where in the world you travel.
‘Travel Smart’ (an AXA product) – the
insurance plan for your holiday, covers
the cost of medical emergencies, trip
cancellation fees to many other benefits,
leaving you free to relax and enjoy your
vacation.
That’s the way to travel smart.
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Medical
Emergency |
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▪ |
Emergency Medical Expenses USD
1,000,000 |
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▪ |
Cost
of medical treatment and associated
expenses arising from accidental
bodily injury or sickness incurred
outside the country of residence
Excess: USD 30 |
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▪ |
Emergency Dental Care: USD 400
Excess: USD 30 |
Emergency Assistance & Evacuation
▪
Medical transportation
▪
Repatriation of other beneficiaries
▪
Premature return due to death of close
relative
▪
Visit
of close relative
▪
Repatriation of mortal remains
▪
Cost of first aid and rescue (if adventure
sports option taken) USD
20,000
Personal Accident USD 27,500
▪
A lump sum for accidental death, permanent
total disablement,
loss of limb or loss of sight
Personal Liability USD 1,000,000
▪
Indemnifies you against legal liability
towards third parties or
damage to their property due to your negligence
- Advance of bail bond of USD
10,000 (refundable)
- Legal assistance in case of
redresses USD 4,000
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Travel inconvenience and coverage
Personal Baggage & Personal Money (USD
5,000)
Accidental loss, theft of or damage to
baggage and personal money occurring
during the period of insurance. The amount
payable for baggage will be the current
market value, which takes into account a
deduction for wear, tear and depreciation.
Sub-limit:
▪
Sub-limit for any one item/pair USD 400
and overall limit of USD
1,500 for valuables such as cameras, jewellery, etc
▪
Sub-limit of USD 400 applies for personal
money
Excess: USD 30
Cancellation or Curtailment (USD 5,000)
Reimburses you for additional travel and
accommodation expenses incurred or
forfeited, if it is necessary and
unavoidable for you to cancel or curtail
your trip.
▪
Loss of Passport: USD 500
▪
Cost of replacing passport while abroad
Excess
USD 30
Delayed Departure (USD 500)
We will pay USD 50 for each twelve
-hour delay due to strike or adverse
weather conditions up to USD 500
Baggage Delay (USD 250)
If baggage is delayed for at least
twelve hours from the time of your arrival
at your outbound destination, we will pay
for emergency purchase of essential items
limited to clothing and toiletries.
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Travel period and coverage
Five days or twelve months, we have an
affordable plan for you. Choose the period
you need, and then relax with coverage.
*Prices are per member
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Travel period not exceeding |
Excluding USA & Canada (RO) |
Worldwide (RO) |
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5 days |
9.5 |
13 |
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9 days |
13 |
18 |
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15 days |
16 |
23 |
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22 days |
20 |
28 |
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31 days |
24 |
33 |
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45 days |
30 |
43 |
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62 days |
37 |
51 |
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92 days |
49 |
73 |
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Annual |
93 |
120 |
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Following changes apply to the above
prices:
▪
50% discount for children under 16 years
▪
100% increase for adventure sports
(winter, water sports,
trekking or safari)
▪
20% increase for terrorism extension
▪
50% increase for persons aged 60 - 65
years
▪
25% discount for Medical Cover removal
▪
20% discount for Travel inconvenience
removal
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Product features of ‘Travel Smart’
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24/7 Alarm Center
Immediate emergency medical assistance available worldwide,
365 days a year, from multilingual healthcare professionals
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Extensive Protection
Coverage for you and your family, your belongings, your liability,
your travel arrangements and more
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Fast and Fair Claims
AXA lives up to its reputation for superior customer service,
making
it easy to file a claim and receive prompt reimbursement
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Frequently Asked Questions
1. Who can be insured?
a. Any resident or citizen of the
Sultanate and BankMuscat customer who is
65 years of age or younger.
2. Can any trip be covered?
a. Travel Smart Insurance covers
conventional non-working holidays, or
business trips that do not involve manual
labor. This coverage is not available to
people leaving their country of residence
permanently.
3. How to apply for cover?
a. Contact Al Rafeeq staff at nearest bank
branch or email on
alrafeeq@bankmuscat.com or contact
(+968) 2479 5555
Cover will commence only when this
application has been accepted and premium
received.
4. How do I declare a claim?
▪ Theft:
Provide written proof from the police that
the incident has been reported
▪ Baggage
Delay: Written proof of the delayed
delivery must be obtained from the airline
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Medical Expenses: Claim is payable only if
Inter Partner Assistance has been
contacted (+33 1 55 92 40 00) and has
approved the cost
Please
note: A full medical certificate from the
attending doctor must be submitted along
with original bills and receipts.
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Main Exclusions from the cover
Medical expenses not approved by IPA
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Cover
in the country of residence |
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Cost
of prosthetics, cosmetic plastic surgery,
physiotherapy, pregnancy, pre-existing
conditions |
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Dental
treatment other than emergency dental
treatment |
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Any
consequence attributable directly or
indirectly to infection by Human
Immunodeficiency Virus and/or any
HIV-related illness |
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Willfully, self-infected injury or
illness, sexually transmitted diseases,
solvent abuse, alcoholism, the use of
drugs, self-exposure to needless peril
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Practice of a dangerous sport, or practice
of sports on a professional basis |
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Work
of any kind undertaken during the holiday
(other than clerical duties) |
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Wear
and tear, depreciation, mechanical or
electrical breakdown or derangement |
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Theft
not reported to police within 24 hours of
discovery |
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Willful act of an Insured Person |
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Any
consequence of war, terrorism and related
risks |
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