ETIC - Travel Insurance Policy


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The world has now become a global village and as such the need to have an insurance product that can ease your movement around the world cannot be over emphasized at this point in time.

THE PRODUCT

This is a very dynamic product that combines in one six different insurance policies and it gives you more than the comfort required to embark on a remarkable journey.

THE PRODUCTSCOPE OF COVER

LOSS OF OR DAMAGE TO PERSONAL BELONGINGS

Insured to be compensated up to a total amount of =N=100,000.00 for personal belongings lost or damaged while on a journey covered by the policy.

LOSS OF OR DAMAGE TO PERSONAL MONEY

This section of the policy shall cover insured?s personal money against loss or damage while the insured is on a journey including when in a temporary accommodation. However, cover is subject to a limit of =N=100,000.00

CANCELLING A JOURNEY

The policy pay for the cost of the insured?s personal accommodation and transport charges that can not be claimed from any other source, if the journey has to be cancelled as a result of:

  • Serious bodily injury to the insured occurring less than 24 hours to the trip
  • Airline or transport operator's decision (where the airline or transport operator concerned has failed to take responsibility for such cancellation)
  • Natural disaster

Benefit can accrue up to =N=200,000.00

MEDICAL & EMERGENCY TREATMENT EXPENSES ABROAD

This cover pays for the reasonable cost of providing medical treatment to the insured either as an out-patient or in-patient while on a journey covered by the policy. Only that cover is subject to a limit of =N=100,000.00 or dollar equivalent at the time of loss.

CUTTING SHORT A JOURNEY (CURTAILMENT)

This section covers extra expenses incurred by the insured where a journey has to be cut short because of:

  • Serious bodily injury to the insured occurring less than 24 hours to the trip
  • Death or serious bodily injury to:
    • A companion, the insured's journey depends on
    • A member of the insured's immediate family {Spouse, Children, Father & Mother} whose death incapacitated the insured from making the trip
  • Natural disaster

Cover is subject to a limit of =N=100,000.00 or dollar equivalent at the time of loss.

PERSONAL ACCIDENT

Where the insured suffers physical injury which is caused by violent, visible, external and accidental means during a journey, insured or his/her legal representatives shall be paid one of the following benefits: Benefit 1 - Up to =N=100,000.00 if the injury leads to death or permanent loss of sight or physical loss of limb. Benefit 2 - Up to =N=250,000.00 if the insured is permanently disabled and cannot carry out any paid work after two years from the date of the accident because of any injury covered by the policy.

PERSONAL LIABILITY

The policy will pay up to =N=200,000.00 for any legal liability incurred by the insured during the course of his/her journey arising from: 1 - Death or physical injury to any person or 2 - Accidental loss or damage to property: *Not belonging to the insured or any member of the insured's family. *Not in the charge or control of the insured or any member of the insured's family.

DELAYED OR MISSED DEPARTURE

Delayed Departure

This shall pay the insured where the transport the insured checked in for is delayed for a minimum period of 12 hours from time shown in the travel itinerary. A sum of =N=25,000.00 shall be paid to the insured provided there is no other source of compensation for the insured.

Missed Departure

The policy will pay the insured up to =N=20,000.00 for extra accommodation and for transport charges that are necessary if the insured arrives at the departure point too late to board the booked transport following accident to the vehicle taking the insured to the departure point.

DELAYED PERSONAL BELONGINGS

We will pay up to =N=10,000.00 for any essential belongings which the insured reasonably needs to buy if he/she has to wait more than 12 hours for baggage which the carrier has temporarily lost in transit.

LOSS OF PASSPORT

This will pay the insured up to =N=10,000.00 or dollar equivalent at the time of loss for loss of passport during the course of a journey covered by the policy. The payment shall cover reasonable extra travel and accommodation costs abroad while a replacement is being arranged. The cover is subject to the insured reporting the loss to the police or the Nigerian embassy in the country of visit.

DISASTER COVER

The policy will pay up to a limit of =N= 25,000.00 or dollar equivalent at the time of loss if during a journey the insured could no longer stay at a pre-booked and prepaid accommodation because of natural perils like fire, lightning, explosion, earthquake etc.

CONSEQUENTIAL LOSS

Any loss which is not specifically covered by this policy and which is the result of another event for example, loss of earnings because you are not able to return to work after an accidental bodily injury that happened during a journey up to a limit of =N=200,000.00.

PROVISO

This policy is for all forms of transportation and available for people on short trips of not more than thirty days outside Nigeria.

Please note that compensation can be varied upward as you want once you are prepared to pay the commensurate additional premium.

MAIN FEATURES

  • Cover all forms of travelling
  • Affordable premium
  • Benefits can be increased in line with your need on payment of necessary additional premium
  • Cover is world-wide and is for 24/7(except trips within Nigeria)