COMPREHENSIVE INBOUND TRAVEL INSURANCE

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Dale Hancock
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1 COMPREHENSIVE TRAVEL INSURANCE

2 COMPREHENSIVE INBOUND TRAVEL INSURANCE AGE LIMIT (Inclusive) 70 INSURED EVENTS BENEFIT LIMIT EMERGENCY MEDICAL & RELATED EXPENSES Emergency Medical Expenses Limit & Extensions: - Adventure sports/hazardous activities - Pre-existing condition Declared to us - Pre-existing medical condition Not declared to us - Terrorism Medical evacuation, repatriation or transportation to a medical centre R 20,000,000 R 2,000,000 R 1,000,000 Excluded R 500,000 Actual Expense Optical expenses R 5,000 Provisional pain-stilling dental treatment R 5,000 Repatriation of mortal remains and coffin expenses Actual Expense Repatriation of accompanying family member Actual Expense Compassionate emergency visit by any one person R 15,000 Hospital cash benefit - R 500 per day for max 6 days R 3,000 PERSONAL ACCIDENT Death R 100,000 Permanent Disability R 100,000 ASSISTANCE SERVICES Cash advances Emergency travel & accommodation arrangements Transmission of urgent messages 24 hour nurse line and trauma line Consular referral Household assist Legal assistance R 15,000 TRIP CANCELLATION & INTERRUPTION Cancelling your trip Specific reasons listed in policy wording R 20,000 Cutting your trip short after it has started Specific reasons listed in policy wording R 20,000 Postponement of trip Specific reasons listed in policy wording R 10,000

3 Travel delay - Scheduled public transport delayed for 4 hours or more R 1,000 - Security travel delay R 1,000 Missed connection - Arrived more than 1 hour after scheduled time R 7,500 Natural disaster cover R 3,000 INCONVENIENCE COVER Theft or damage of baggage and personal Items Limits: - Single item limit on theft and damage - Single item limit on contact lenses, prescription spectacles, sunglasses - Accidental loss of baggage or personal items R 20,000 R 5,000 R 500 Excluded Loss of cash and or travel documents R1,000 Baggage delay - Delayed for 4 hours or more R 1,000 PERSONAL LIABILITY Civil liability for injury or loss caused to third party R 1,000,000 HIJACK OF PUBLIC TRANSPORTATION R 1,000 per 24 hours during which your public transport was hijacked R 30,000 KIDNAPPING & WRONGFUL DETENTION Wrongful Detention R 50,000 CARRIER ACCUMULATION LIMIT R 50,000,000 EXCESS PER BENEFIT PER CLAIM R 500

4 IMPORTANT INFORMATION This document is for informational purposes only and is subject to change. It is not a valid insurance policy. Please refer to or request the Policy Wording (T&Cs) for full terms, conditions and exclusions. You are ultimately responsible for ensuring the policy you purchase is suitable for your needs. The products displayed herein are underwritten by GUARDRISK INSURANCE COMPANY LTD, a registered short-term insurer. Your intermediary services provider is HEPSTAR FINANCIAL SERVICES (PTY) LTD, an authorised financial services provider. ELIGIBILITY FOR COVER o Non-residents of South Africa travelling to RSA and neighbouring countries, namely Lesotho, Swaziland, Namibia, Zimbabwe, Mozambique, Botswana (Must spend at least 24 hours in South Africa) o You do not exceed the age limit of 70 years (inclusive). o Travel not exceeding 95 consecutive days. o Policy must be purchased prior to the date of departure from your country of residence o Healthy and fit to travel SOME LIMITS AND EXCLUSIONS You will not be covered for: o Travel against the advice of a Medical Practitioner o Travel with the intention of obtaining medical treatment or consultation abroad o Pre-existing medical conditions, unless approved by us (See Pre-existing Medical Conditions below) PRE-EXISTING MEDICAL CONDITIONS o The product only provides cover for emergency medical events that are unforeseen. Medical conditions that were pre-existing at the time of the policy being issued are not covered, UNLESS they are disclosed to us AND we expressly agree to cover such conditions. Please refer to or request the Medical Declaration Form for more information. THIS CAN BE DONE AFTER PURCHASE and you will be allowed to cancel if we do not agree to cover your pre-existing conditions. Carrier Accumulation Limit o This is the maximum amount the insurer will pay out in respect of a policy, regardless of how many insureds are covered by the policy. Medical Expenses o Excludes vascular, cardiovascular and cerebrovascular conditions or undeclared and unaccepted pre-existing medical conditions. o Excludes cover for some adventure sports/hazardous activities (see policy terms and conditions). o Excludes cover for accidents while driving a motor cycle or scooter if you do not hold a valid motor cycle license and do not wear a helmet. o Excludes cover for pregnancy, childbirth and related conditions after the 26th week of pregnancy. Personal Accident o Excluded if you exceed the age of 67 years. o Excluded while participating in hazardous activities/adventure sports or manual labour.

5 Baggage o Single item limits apply to baggage and personal items. o Theft of or damage to baggage and items due to an airline carrier, rail or coach operator must be reported to them before you leave the terminal or airport. o Theft of or damage to personal items due to theft or vandalism must be reported to a local police station within 24 hours of the incident. o Accidental loss of baggage or items is excluded. o We will reimburse essential expenses incurred if your baggage is delayed by 4 hours or more. Cancellation, Curtailment and Postponement o Covers irrecoverable expenses incurred if you cannot travel, need to return early or are postponed due to: Unexpected illness, injury or death to yourself, relative or travel companion Terrorist incident in your destination city less than 14 days prior to departure date Retrenchment / being made redundant Compulsory quarantine Damage or burglary affecting your home (theft loss exceeds R10 000) o Excludes cancellation due to: Causes related to pre-existing medical conditions. Visa being denied Travel supplier insolvency Cancellation for ANY REASON o This benefit is excluded from Inbound cover. Travel Delay o Covers essential expenses incurred for food and accommodation due to scheduled public transport delayed for 4 hours or more due to strike, bad weather, mechanical breakdown, security alert or terrorist incident. Missed connection o If you miss a connecting flight due to the delay of the incoming flight we will pay for you to continue your original itinerary. Natural disaster cover o If your prepaid accommodation is destroyed due to a natural disaster, we will pay for the unused accommodation and the additional accommodation expenses for new alternative accommodation.

SERVICE PROVIDERS GENERAL QUERIES AND POLICY ADMINISTRATION E-mail: info@hepstar.

INTERNATIONAL CLAIMS ASSISTANCE Emergency number: +27 (0)11 991 8731 Authorised

6 SERVICE PROVIDERS GENERAL QUERIES AND POLICY ADMINISTRATION Tel number: +27 (0) Authorised financial services provider INTERNATIONAL CLAIMS ASSISTANCE Emergency number: +27 (0) Authorised financial services provider CLAIMS BEFORE DEPARTURE OR AFTER RETURN Tel number: 0861 HEPSTR ( ) Authorised financial services provider THE INSURER / UNDERWRITER Authorised financial services provider

7 DISCLOSURE NOTICE TO SHORT-TERM INSURANCE POLICYHOLDERS INTERMEDIARY HEPSTAR FINANCIAL SERVICES (PTY) LTD Hepstar is a registered financial services provider for this class and type of product. Hepstar is authorised to provide intermediary services on behalf of the insurer, Guardrisk in terms of a written mandate. Guardrisk accepts responsibility for the actions of the intermediary, Hepstar. Intermediary Binder holder Represents you when dealing with the Insurer and is your first point of contact for policy related queries. Authorised to collect your premium. Authorised to entering into, vary and renew policies, as well as assess and settle claims on behalf of the Insurer. FSP number 45097, an authorised financial services provider Physical address 2 nd Floor, 19 Louis Gradner Street, Foreshore, Cape Town, 8001 Postal address Telephone number address Website As above (RSA) / +27 (0) (Outside RSA) info@hepstar.com Professional Indemnity R Fidelity Guarantee R External Compliance Officer A Daneel [Moonstone Compliance (Pty) Ltd] Tel: (021) adaneel@moonstonecompliance.co.za Hepstar has during the preceding 12 month period received more than 30% of its total remuneration, including commission, from Guardrisk. INSURER GUARDRISK INSURANCE COMPANY LTD Guardrisk is a registered financial services provider for this class and type of product Underwriter FSP number The company that ultimately receives your premium and underwrites your risk. 75, an authorised financial services provider Physical address 3 rd Floor, 102 Rivonia Road, Sandown, Sandton 2196 Postal address PO Box , Sandton, 2146 Telephone number address Website Compliance Officer info@guardrisk.co.za compliance@guardrisk.co.za

8 Complaints Complaints must be submitted in writing with adequate detail. Complaints will be acknowledged within 2 working days of receipt and resolved within 5 working days. INTERMEDIARY INSURER If you have a complaint about the way in which this policy was sold to you or the service you received during or after the purchase of this policy. address: complaints@hepstar.com If you are unable to resolve your complaint with your intermediary. address: complaints@guardrisk.co.za If your complaint is not resolved to your satisfaction after having followed the steps above, you may approach the FAIS Ombud or Short-term Ombudsman. THE FAIS OMBUD Physical address Sussex Office Park, Ground Floor Block B, 473 Lynnwood Rd, Cnr. Lynnwood Rd and Sussex Ave Lynnwood, 0081 Postal address PO Box 74571, Lynnwood Ridge, 0040 Telephone number (012) / (012) Fax number (012) address Website info@faisombud.co.za THE OMBUDSMAN FOR SHORT-TERM INSURANCE Physical address Sunnyside Office Park, 5th Floor, Building D, 32 Princess of Wales Terrace, Parktown Postal address PO Box 32334, Braamfontein, 2017 Telephone number (0860) / (011) Fax number (011) address Website info@osti.co.za Claims See relevant section in policy wording. Conflict of Interest Disclosure Available on request at info@hepstar.com. Disclosure of premiums and fees Intermediary receives commission of 20% and binder fee of 20% of the premium for the functions mentioned hereinabove.

9 Consent to Disclosure of Private Information 1. You acknowledge that the sharing of information for underwriting and claims purposes is in the public interest, as it will enable insurers to underwrite policies and assess risks fairly and reduce the incidence of fraudulent claims with a view to limiting premiums. 2. On Your behalf and on behalf of anyone You represent herein, You hereby waive any right to privacy with regard to any underwriting and claims information in respect of any insurance policy or claims made or lodged by You, or on Your behalf. 3. You consent to such information being stored in the shared database and used as set out above. 4. You also consent to such information being disclosed to any insurer or its agent. 5. You further consent to any underwriting information being verified against legally recognised sources or databases. 6. You agree that this consent clause will survive the termination for whatever reason of the Policy, including its termination or lapsing. Important matters 1. Material changes to the information disclosed above must be communicated to you. 2. You may request a written record of any dealings with your intermediary and information communicated to you verbally must be confirmed in writing within 30 days. 3. You are responsible for ensuring that the information that you disclose is accurate and complete, as incorrect or omitted information may influence the product recommended or the success of your claim. 4. You may not be forced to sign a blank or partially completed document.

COMPREHENSIVE TRAVEL INSURANCE

COMPREHENSIVE TRAVEL INSURANCE COMPREHENSIVE TRAVEL INSURANCE AGE LIMIT (Inclusive) 70 INSURED EVENTS BENEFIT LIMIT EMERGENCY MEDICAL & RELATED EXPENSES Emergency Medical Expenses Limit & Extensions: -