Policy summary Annual Travel Insurance

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Ruth McLaughlin
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1 Travel insurance Policy summary Annual Travel Insurance What you need to know October 2016

2 Important contact numbers Whether at home or abroad please remember that we are readily available to help you deal with membership queries or make a claim. For medical emergencies, our telephone service is available 24 hours a day, 365 days a year. Travel Team Weekdays: 8am 8pm. Saturdays: 9am 1pm Our travel insurance specialists are available to help with any matters relating to your policy including amendments and upgrades to your cover, change of address or adding family members. Travel Claims Helpline Weekdays: 8am 8pm. Saturdays: 9am 5pm To make a claim, please ensure you telephone our Travel Claims Helpline within 31 days of returning home to the UK. (For more information see page 7.) International Emergency Medical Assistance +44 (0) Open 24 hours a day, 365 days a year You have the reassurance of knowing that worldwide medical advice and help in an emergency is just a phone call away. (For more information see page 5.) Health at Hand s travel clinic free from a UK landline +44 (0) if calling from abroad Lines are open 24 hours a day, 365 days a year Before you travel, call us for answers to a wide range of travel issues everything from visas and vaccination requirements, to climate and foreign currency regulations. Our Health at Hand team can even give you support while you re abroad. We may record and/or monitor calls for quality assurance, training and as a record of our conversation. We are committed to giving customers access to our products. To contact us by Text Relay on any of the numbers listed in this policy summary just prefix the number listed with For example, our Travel team can be contacted by Text Relay on If you would like to receive this policy summary or any other of our literature in a large print, audio (CD or tape) or Braille format, please contact us.

3 What you are covered for Your policy s key benefits at a glance Medical benefits Comprehensive Luxury Section Worldwide Worldwide Cover Cover Medical and additional expenses.+ 5,000,000 10,000,000 Section 1 A Extra overseas accommodation in the event of sickness or bodily injury. 5,000 7,500 Emergency dental treatment ,500 Repatriation of mortal remains to the UK. Up to 2,000 for Covered Section 1 B local burial/cremation.* Emergency medical repatriation and evacuation.* Covered Section 1 B Compassionate overseas visit.* Covered Section 1 D Assault benefit 50 each night up to a maximum of 1,000 Covered Section 1-E Replacement of prescription medication Section 1 F NHS prescription costs.* Hospital support in UK* each Section 1 G 24 hour period: up to a maximum of: Please note: All benefits are subject to an excess of 50 except those marked with an asterisk (*). The benefit marked with a cross (+) is subject to 50 excess unless a European Health Insurance Card is used to reduce costs. continued overleaf

4 Travel benefits Comprehensive Luxury Section Worldwide Worldwide Cover Cover Personal accident.* 30,000 30,000 Section 2 Personal baggage Section 3 single item limit up to a maximum of: 1,500 2,500 Delayed baggage* Section 3 (more than 12 hours) Personal money Section 3 cash limit up to: Loss of passport Section 3 Loss of deposit or cancellation. 5,000 7,500 Section 4 Curtailment. 5,000 7,500 Section 4 Delayed departure* Section 5 for every 12 hours up to a maximum of: Extended delay. 2,000 3,000 Section 5 Missed departure. 1,000 2,000 Section 6 Catastrophe cover Section 7 Legal expenses.* 25,000 35,000 Section 8 Personal liability.* 2,000,000 Section 9 UK travel cover. Various amounts. Section 11 Please note: All benefits are subject to an excess of 50 except those marked with an asterisk (*). Please note: UK travel cover has the same excesses as overseas cover (except those marked with an asterisk), where applicable. Benefits are subject to the conditions, limitations and exclusions detailed in the membership agreement.

5 What our Annual Travel Insurance does not cover As with all insurance policies, there are instances when we cannot provide cover. We refer to these as exclusions and limitations. Below is a summary of the policies main exclusions and limitations. What are the main exclusions and limitations of cover? There is no cover under section 1 Medical benefit and section 4 Curtailment if the insured member is not medically fit to travel. If the insured member is terminally ill (by which we mean has a life expectancy of below one year at the start of the overseas journey) we will not pay claims under section 1 Medical benefit and section 4 Curtailment caused directly or indirectly by that terminal illness. Claims arising from an insured member s failure to exercise all reasonable care to prevent accident, injury, illness, loss or damage. Sports activities listed as being excluded in the membership handbook. Treatment costs incurred as a result of engaging in, or training for, any sport for which you receive a salary or monetary reimbursement, including grants or sponsorship (unless you receive travel costs only). War and terrorist risks and travel against Foreign and Commonwealth Office advice. Routine pregnancy and childbirth. However, we will pay for the treatment of a medical condition which is due to, and occurs during, pregnancy subject to all other benefit limitations and exclusions on this travel policy. Charges where you travel outside the United Kingdom to obtain treatment (whether or not that is the only reason) or travel against medical advice (including the published advice of the Chief Medical Officer of the Department of Health of England). Where can I find more information? The Annual Travel Insurance handbook Benefits 1, 6 to 8, 10 to 12 and 15 to 18 are subject to an excess so you will have to pay the first 50 per claim per person. This does not apply to benefit 1 if the claim is reduced by using a European Health Insurance Card. Where we do not pay the first amount of any claim, it cannot be claimed against any other insurance policy which the insured member may have with AXA PPP healthcare.

6 How to contact us in a medical emergency International Emergency Medical Assistance Service Available to you 24 hours a day, 365 days a year Call +44 (0) * from anywhere in the world What is the International Emergency Medical Assistance Service (IEMAS)? IEMAS is a service that can bring urgent help and medical advice. They are also able to evacuate a patient to a suitable hospital for treatment or bring them back home if medically required. Who can use this service? Anyone covered by one of our travel policies who is sick, or injured, and needs to be admitted to hospital as an in-patient. Please note: This service is strictly for medical emergencies only. How to get help IEMAS is manned 24 hours a day. In most cases our advisers will be able to give you advice straight away. If necessary, they can put you in touch with an English-speaking doctor. The doctor may help arrange local treatment and ensure that arrangements are satisfactory. When you contact the helpline, please make sure you have your membership number to hand. How to make a claim If anyone covered by this policy is admitted to hospital whilst abroad, it is very important to ensure that: someone contacts us within 24 hours; and any medical expenses over 1,000 are authorised as soon as possible. We understand that contacting us within 24 hours could be difficult. If you are travelling alone and cannot make a call to us yourself, please ask a representative from the hospital to call us with your details as soon as possible. We can then offer any useful information and translation requirements to the hospital and you can concentrate on getting better.

7 Please note: To make a claim you will need proof of travel. For example the following types of document: the booking invoice or airline ticket (as well as all original receipts) medical report certificates; and other relevant documents. Your policy will not cover the cost of returning home if you, or someone else covered by this policy, decide to cut short your trip and return home for medical treatment or for an operation that doesn t involve an emergency admission to hospital. *Please note we may record and/or monitor calls for quality assurance, training and as a record of our conversation. What to do if you need to make a claim Step One Step Two Step Three Step Four Step Five Request a claim form from the AXA PPP healthcare Travel Claims helpline. To do this call: (UK) (Overseas) +44 (0) We may record and/or monitor calls for quality assurance, training and as a record of our conversation. Complete the claim form in full and submit within 31 days of your return to the UK (unless this is not reasonably possible). Ensure all the necessary information is enclosed relevant to your claim. Include the original accounts, bills or receipts and proof of travel, such as a booking invoice or airline tickets. Failure to supply these details may result in a delay in assessing your claim. Send in the completed claim form and documentation to: AXA PPP healthcare Travel, PO Box 400, Tunbridge Wells, Kent TN1 2WJ. Your claim will be assessed by one of our Personal Advisers and all eligible payments will be made. AXA PPP healthcare Travel Claims Department will send you a claims benefit statement confirming the amount of benefit paid for each claim.

8 At AXA PPP healthcare we are dedicated to supporting you. Individual medical insurance Company medical insurance International medical insurance Travel insurance Cash plans Dental cover axappphealthcare.co.uk PB59900a/10.16 Find us on Facebook facebook.com/axappp Follow us on Twitter twitter.com/axappphealth Join us on LinkedIn linkedin.com/company/axa-ppp-healthcare Watch us on YouTube AXA PPP healthcare, Phillips House, Crescent Road, Tunbridge Wells, Kent TN1 2PL. AXA PPP healthcare limited. Registered Office: 5 Old Broad Street, London EC2N 1AD, United Kingdom. Registered in England No AXA PPP healthcare is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. AXA PPP healthcare We may record and/or monitor calls for quality assurance, training and as a record of our conversation.

Travel claim form. 1 Membership details. 2 Patient s details. Medical and additional expenses. Lead member s full name Lead member s address.

Travel claim form. 1 Membership details. 2 Patient s details. Medical and additional expenses. Lead member s full name Lead member s address. Travel claim form Medical and additional expenses Here to help 0345 602 0303 8am to 8pm, Monday to Friday 9am to 5pm, Saturday and bank holidays 1 Membership details Lead member s full name Lead member