Enjoy the added benefit of Basic automatic Travel Insurance when you book your travel tickets in South Africa and pay with your BLUEBEAN Credit Card.

This automatic cover provides you with personal accident, emergency medical expenses as well as assistance services.

We also provide you with additional optional cover at preferential rates to provide you and your family with more peace of mind every time you travel.

For more information on the cover or to receive a copy of the master policy, call 0861 114 494.

Cover Options

Automatic Cover
All you need to do is pay for the full cost of your ticket with your BLUEBEAN Credit Card to receive automatic travel insurance, which provides cover for personal accident, emergency medical and related expenses as well as assistance services. You are guaranteed this cover, which is valid for 90 days, if you are under the age of 76 years.

Additional Cover
We often underestimate the benefits of taking out comprehensive travel insurance, that is why we have negotiated this additional cover at preferential rates to complement your automatic cover. Now you have a choice between three different levels of additional cover.

Additional cover provides additional emergency medical and related expenses cover and personal accident cover, as well as cover for baggage loss, baggage and travel delay, cancellation and curtailment and much more. Additional cover will ensure that you and your loved ones are adequately insured in an emergency. Cover is only available for travellers under the age of 76 years.


Pre-existing Illness Cover
This option can cover you if you have any medical condition for which you are receiving medical treatment or advice or for which treatment has been recommended before the start of your journey. You will need to be hospitalised as an in-patient following medical advice for more than 48 hours to claim this benefit. This benefit does not apply to travellers aged 75 and over.

Seniors Cover
We have a special policy exclusively developed for travellers who are 76 years to 85 years. Please refer to the Schedule of Benefits for details on the cover offered.

See the Schedule of Benefits for more details on the cover you will enjoy.

What’s Covered

Your travel insurance policy will cover the following events:

Emergency and Medical-Related Expenses

• Medical expenses (in-patient and out-patient)
• Medical evacuation, repatriation and transport to a medical centre
• Expenses for locating and sending doctor in situ and location of unavailable medication
• Return after medical treatment
• Visit by a family member if you are hospitalised
• Return of accompanying children and/or travel companion (if insured by AIG SA Ltd)
• Burial, cremation or return of mortal remains
• Coffin expenses

Personal Accident

• Death and permanent disability as the result of an accident: 24 hours a day and while on a public conveyance (under 75 years of age)

Loss of Unused, Non-Refundable Deposits Due to the Cancellation of Journey, Resulting From:

• Your unexpected death, illness or injury, or that of your spouse, dependant children or the person overseas with whom you intended to stay
• The non-availability of the person that was intended to take care of your dependant or disabled children, due to death, illness or injury
• Cancellation of your leave by your employer due to the non-availability of a colleague intended to replace you during your journey as a result of death, illness or injury within 30 days of the date of your departure.
• The termination of your employment due to economic reasons within 30 days of departure (including retrenchment)
• Your obligatory presence in court
• Important and considerable damage to real estate owned by you, caused within 30 days of your departure
• Theft or complete immobilisation of your private vehicle immediately before your departure or towards the point of departure due to a traffic accident, fire or hijacking
• Delay at the point of departure resulting from immobilisation of more than one hour due to a traffic accident or circumstances beyond your control (Act of God) during the trip towards the place of departure or arrival

Loss of Unused, Non-Refundable Deposits Due to the Curtailment of Journey, Resulting From:

• Your unexpected death, illness or injury or the unexpected death, illness or injury of your spouse, business associate, children, the person with whom you had intended to stay abroad, a relative or travel companion
• Cancellation or diversion of scheduled public transport services, including by reason of strikes or other industrial action, unless there was a media warning 24 hours before the date the particular insured journey was booked that such events were likely to occur
• Loss or theft of travel documents (travel tickets, passports and visas)

Loss of Baggage, Personal Effects, Documents, Money and Credit Cards

• Accidental loss or theft or damage to your accompanying baggage and personal effects
• Non-recoverable cost of replacing travel documents, airline tickets, Credit Cards and traveller’s cheques
• Assistance in advancing funds should cash, bank notes, postal or money orders or other negotiable instruments be damaged, lost or stolen
• Legal liability arising out of the unauthorised use of travel documents, Credit Cards or traveller’s cheques as a result of fraud

Baggage Delay

• As a result of the carrier delaying, misdirecting or misplacing your baggage

Travel Delay

• Loss or theft of travel documents, including travel tickets, passports and visas
• An accident involving the transport in which you arranged to travel or was travelling for the purpose of reaching the point of departure and/or departure point from which you had intended commencing an onward journey
• Delay in the scheduled departure of a public conveyance due to:
• industrial dispute, strike or action
• adverse weather conditions, including cyclones, tornados, floods, typhoons, blizzards or natural disasters in the country to or through which you are travelling
• mechanical or electrical breakdown
• public transport services failure

Personal Liability

• Accidental injury to another person
• Accidental loss or damage to another party’s property

Assistance Services

• Cash advances
• Consular referrals
• Emergency travel and accommodation services
• 24-hour medical emergency and assistance telephone line
• Sending of urgent messages
• Your premature return in the event of death, illness or injury of a spouse, child, relative or business associate
• Legal assistance abroad

AIG Will Not be Liable to Pay Any Benefit Caused by or Arising Directly or Indirectly From:

• War and terrorism. There is limited terrorism cover under optional cover
• Nuclear, biological or chemical contamination
• Engaging in occupational activities underground or requiring the use of explosives
• Wilful or deliberate exposure to danger (except in an attempt to save human life), self-inflicted injury, suicide or attempted suicide
• Deliberate violation of criminal law
• Travelling by air except as a passenger on a legally licensed aircraft or where the Insured person is part of the aircraft crew
• Mental disorders
• Pregnancy or childbirth by the insured person (except for an unexpected medical complication or emergency occurring during the first 26 weeks of the pregnancy)
• Sexually transmitted diseases and Aids or HIV and/or any related illness or condition, including their derivatives or variations howsoever acquired or caused
• Chronic fatigue syndrome or myalgicencephalomyelitis (ME) (anticardiolipin antibody positivity) or the illness commonly referred to as yuppie flu
• Non-adherence to medical advice
• An insured person being under the influence of alcohol, drugs or narcotics
• Any pre-existing medical condition, unless pre-existing medical conditions cover is purchased
• Any cardiac, cardio vascular, vascular or cerebrovascular illness or conditions or consequences thereof or complications that, in the opinion of a medical practitioner appointed by the company, can reasonably be related thereto, if the insured person has received medical advice or treatment (including medication) for hypertension 12 months before the commencement of the insured journey
• An insured person travelling against medical advice or to seek medical attention or advice or with a terminal condition that was diagnosed before the insured journey or when they are unfit to do so
• Any cardiac or cardio vascular or vascular or cerebrovascular illness or conditions or consequences thereof or complications that, in the opinion of a medical practitioner appointed by the company, can reasonably be related thereto, for persons over the age of 70 years
• Employment involving manual labour, other than while off duty
• Undertaking employment on a permanent or contract basis which is not casual, other than while on a leisure trip
• Participating in any sport as a professional player
• School sports
• Any hazardous pursuits, sports or activities, which introduce or increase the possibility of a loss
• Consequential loss of any kind or financial loss and/or expense not otherwise specifically covered
• Default or insolvency of the carrier
• The insured person’s intention to emigrate

Claims

Medical Claims and Assistance
For emergency medical and related expenses claims, please contact AIG Assist on +27 11 541 1390 as soon as possible after the incident.

Failure to notify AIG Assist of your emergency medical and related expenses claim may result in our liability being limited to R2 000 for any one incident. The services of AIG Assist are provided by International SOS.

Other Claims
On your return to South Africa, other claims together with original supporting documents should be sent to:

Premiums 2010

About the Underwriter

BLUEBEAN Travel Insurance is underwritten by AIG South Africa Limited, registration number 1962/003192/06 (AIG SA). AIG South Africa Limited (AIG) is a financial services provider (FSP) in terms of the Financial Advisory and Intermediary Services Act, 2002 (FAIS Act). AIG's FSP number is 15805.