Travel Insurance. Country of Residence: the country in which the Insured Person is born or currently residing and holding a valid residency visa.
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1 Insurers: SABB Takaful Company Travel Insurance Country: Saudi Arabia Country of Residence: the country in which the Insured Person is born or currently residing and holding a valid residency visa. Eligible Card: VISA Infinite / Signature credit or debit Cardholders cards issued from time to time in the individual countries within the Territory. COVERAGE: The Insurers will indemnify Cardholders for the following Insured Events resulting from Covered Trips, subject to the Per Cover Limits declared in the Summary of Cover. 1- A. Personal accident benefits. Accidental death and disremembering while on a common carrier (Including loss of sight or hearing) 2- B. Medical & related benefits Medical expenses bodily injury and illness Daily hospital confinement cash benefit Medical evacuation Return of mortal remains/ burial expenses. 3- Travel inconvenience benefits Trip cancellation Tip curtailment Trip Delay Accompaniment of Minors Baggage/ personal effects Baggage delay Emergency family / child repatriation Legal fees Bail bond 4- Assistant department 24 Hour Medical Emergency & Assistance Telephone Line Legal Assistance abroad Replacement of Lost Travel Documents Consular and other assistance Emergency Accommodation & Travel arrangements How to file claim Written notice of service request / claim must be given no later than thirty (30) days from the date of the incident. Failure to give notice to the claims department listed below, within thirty (30) days from the date of the incident may result in a denial of the claim. Notice should be sent to: SABB Takaful Company
2 Claims Department P.O. Box 9086 Riyadh Kingdom of Saudi Arabia Tel: Fax: Office Timings: 8:30am to 4:30pm, from Sunday to Thursday Languages Supported: English / Arabic customercare@sabbtakaful.com Claim Notification Period: Up to ninety (90) days from the date of loss. Submission Period: No later than ninety (90) days from the date of Claim Notification. Procedures to Follow: 1) You (cardholder) or the beneficiary or someone legally acting on behalf of either, must notify us as required in the Claim Notification Period, or your claim may be denied - Upon receipt of a notice of claim, the Insurer will furnish to a claimant the necessary claim form(s) along with instructions; 2) Complete the claim form(s) in its entirety; 3) Submit all the required information (proof of loss etc.), as requested by the Insurer no later than the Submission Period. Please note that there may be additional information requested at times in order to process the claim. Exclusions: We will not be liable to reimburse any Sum Insured for: 1. The following classes of property: animals, birds, fish, motor vehicles (including accessories), snow skis, household furniture, antiques, contact or corneal lenses, artificial teeth or limbs, hearing aids, music instruments, perishables, consumables, money, securities, tickets or documents; 2. Automobiles or automobile equipment, boats, motors, trailers, motorcycles, or other conveyances or their appurtenances (except bicycles while checked as baggage with a Common Carrier); 3. Loss or damage caused by wear and tear, gradual deterioration, moths, vermin; 4. Damage sustained due to any process to repair, clean or alter any property; 5. Loss of or damage to hired or leased equipment; 6. Loss of or damage to property resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, or action taken by government authorities in hindering, combating or defending against such an occurrence, seizure or destruction under quarantine or customs regulation, confiscation by order of any government of public authority or risk of contraband or illegal transportation or trade, radioactive contamination; 7. Loss or damage to laptop computers recoverable under another insurance or from another source; 8. Loss of Insured Person baggage left unattained in any vehicle or public place or as a result of the Insured Person failure to take due care and precautions for the safeguard and security of such property; 9. Loss of the Insured Person s baggage, souvenirs or articles sent in advance or mailed or shipped separately; 10. Loss of business goods or samples; 11. Loss of data recorded on tapes, cards, discs or otherwise; 12. Inherent vice or damage; 13. Transporting contraband or illegal trade; 14. Mysterious disappearance; 15. Pilferage or missing contents from baggage
3 16. Insects or vermin; Travel Insurance FAQs 1. Can you explain to me what do you mean by Travel Insurance? Travel Insurance is a product to protect you while travelling outside of your country of residence. This product offers to financially compensate and provide services for certain unforeseen circumstances that may force you to cancel your trip or seek emergency medical treatment. The program also provides few other benefits like Travel inconvenience and Baggage. Complete list of the benefits are available in the Policy Terms. 2. How long is the cover valid for? The cover is valid for a maximum duration of 90 days for any one trip outside the country. 3. Who is eligible for this cover? The VISA card holder, Spouse and up to 5 children are covered under this program provided at least 50% of the ticket is purchased on the eligible VISA card. A sub-limit on the cover applies to the family. Kindly refer to the table of benefits in the policy terms for details of the cover. 4. How do I get a certificate of cover in the event it is required to be produced to an embassy or consulate for the purpose of visa application? Upon request of the card holder, the Bank will issue a letter stating the cover which could be presented as proof of insurance to the respective embassy or consulate. 5. How do I report a claim? Claim needs to be reported at the earliest by calling A representative will review your situation and will explain exactly what information will required in order to process the claim. 6. Do I need to request for a Letter of cover for the policy to be effective? No, you do not. To be eligible for the cover you need to pay for at least 50% of the travel ticket using an eligible VISA card. 7. What countries are covered under this program? The cover applies worldwide excluding, Iraq, Afghanistan, Cuba & Democratic Republic of Congo. 8. Till what age is the cover valid? The program covers individuals up to the age of 80years. 9. Is pre-existing condition covered under this program? Pre-existing condition is not covered under this program. 10. What is a pre-existing condition? Pre-existing is a condition for which medical care, treatment, or advice was recommended by or received from a Physician within a two year period preceding the travel date, or a condition for which hospitalization or surgery was required within a five year period preceding the travel date. 11. Are there exclusions under this program? Where can I find the details? There are certain exclusions under each benefit, the full list of exclusions are listed in the policy Terms.
4 Purchase Protection Insurer : SABB Takaful Company Territory: Kingdom of Saudi Arabia. Eligible card: Visa Platinum, and Infinite. (secondary or additional card on) which shall be valid, open and in good standing (not cancelled, suspended or delinquent) COVERAGE: The Insurer will cover items above USD 100 that an Insured Person purchased entirely through his/her Eligible Card from loss due to Theft and Accidental Damage for 365 days from the date of purchase as stated on the store receipt up to the Cardholders per occurrence and Annual Aggregate Limits listed below: Card Per Occurrence Aggregate Type Limit Limit Platinum $5,000 $20,000 Infinite $7,500 $20,000 Duties after loss: In the event of a covered loss the Insured Person Shall: - Contact the Insurer within 48 hours from the discovery of the incident to obtain a claims form and instruction thru the following contact information: SABB Takaful Company- Claims Department P.O. Box 9086 Riyadh Saudi Arabia. Phone: Fax: File a police report within 24 hours of experiencing a Theft incident; - Complete, sign and return the claim form to the Insurer with all the following documents, within 7 days of making the original claim: -Documents required: An original receipt showing a description of the item and amount paid at purchase (applies for Purchase Protection only) - An official police report - All other relevant documents We may ask the Insured Person and / or the Policy holder to provide. EXCLUSIONS: -Items carried or acquired during a trip outside Territory. -Items that were Lost or Stolen from a vehicle. -Any motor vehicle including automobiles, boats and airplanes, and any equipment and/or parts necessary for their operation and/or maintenance.
5 - permanent household and/or Business fixtures, including but not limited to carpeting, flooring and/or tile, air conditioners, refrigerators, or heaters. - Art, antiques, firearms, and collectable items. -Furs, Jewelry, gems, precious stones and articles made out of or containing gold (or other precious metals and/or precious stones) -Items rented or leased. - Used, rebuilt, refurbished, or remanufactured items at the time of purchase. - Shipping and handling expenses or installation, assembly related costs. -Items purchased for resale, professional, or commercial use. -Losses that are caused by vermin, insects, termites, mold, wet or dry rot, bacteria or rust. -Losses due to mechanical failure, electrical failure, software failure, or data failure including, but not limited to any electrical power interruption, surge, brownout or blackout, or telecommunications or satellite systems failure. -Items damaged due to normal wear and tear, inherent product defect or normal course of play (such as, but not limited to sporting or recreational equipment). -Items damaged through alteration (including cutting, sawing, and shaping). -Items left unattended in a place to which the general public has access; and -Losses due to or related to nuclear, biological or chemical event. GENERAL CONDITIONS: Coverage of this Policy to be applicable the following conditions must be satisfied. -Cardholder must comply with all terms and conditions of the Eligible card(s). -Cardholders account must be valid and in good standing for coverage to apply; benefits will not be paid if, on the date of occurrence, on the date of claim filing, or on the date of would-be claim payment, Cardholders account is in delinquency, collection, or cancellation status. -The Insurer will decide whether to have the item repaired or replaced, or to reimburse the Insured Person (cash or credit) up to the amount documented in an original receipt showing the description of the item. - The Insurer will not cover the following losses: caused by the Insured Person s illegal acts or those of a Relative - that Insured Person has intentionally caused - losses that resulted from, or are related to, Business pursuits including Insured Person s work or profession - that result from the intentional actions of a Relative of the Insured Person, or actions that a Relative knew of or planned - due to war, invasion, act of foreign enemy, hostilities or warlike operations (whether War has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power, martial law, terrorism, riot or the act of any lawfully constituted authority or vandalisms of any kind.
6 PURCHASE PROTECTION FAQs 1. Can you explain to me what do you mean by Purchase Protection? All items (with exception of named exclusions) that have been purchased with your VISA are covered against a loss arising from accidental damage or theft within 365 days from date of purchase of such items 2. Do you cover purchased items given as gifts? Yes we cover purchased items given as gifts 3. Do you cover purchases over the internet? Yes, we cover purchases made over the internet 4. When I buy anything new from the market, do I have to register the purchased item with you? No, your purchase is automatically covered if it doesn t fall under the exclusions 5. What do you mean by per occurrence limit? This is the maximum amount payable under the policy for any claim made on the covered purchase 6. What do you mean by Annual Aggregate Limit? Annual Aggregate Limit is the maximum amount payable to you for which we are liable in the policy period of one year 7. Are the items purchased through a rewards program of my bank covered? Yes these purchases are covered by AIG 8. Are the items purchased outside my resident country covered? Yes, this is a worldwide cover. 9. I have bought a pair of two ceramic lamps and one of the lamps is broken. Since this was a pair, I am expecting the claim payment for the set of them. The coverage available for this pair of lamps is limited to the cost of repair or replacement of the lamp that has been broken. However, in case this broken lamp cannot be replaced, the value of the pair of lamps will be payable provided it doesn t exceed the per occurrence limit 10. I purchased a digital camera from the local electronic shop on 1/7/14 and it has been stolen on 4/7/14 (The claim has to be notified within 30 days from the date of incidence in this case within 365 days from 4/10/14). What documents have to be provided to you? a. a signed claim form, if provided b. copy of purchase receipt showing payment of the item was made entirely with the Eligible Card; c. For theft claims, official copies of the police report within ninety 24 hours of incident; d. For damage claims, official copies of the repair estimates; e. Cardholder's statement of account showing the account is open and in good standing at the time of filing the claim. Note: Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation of the claim. 11. What is classified as Accidental Damage? If the item you have purchased can no longer perform the function it was intended to perform due to accidentally broken parts, material or any structural damage, this will be classified as Accidental Damage.
7 VISA - EXTENDED WARRANTY Insurer: MetLife AIG ANB Cooperative Insurance Company Territory: Kingdom of Saudi Arabia Eligible Card: Means Visa Platinum, and Infinite, debit or credit cards issued in the Territory. which shall be valid, open and in good standing (not cancelled, suspended or delinquent) at the time of a claim (secondary or additional card on the same account) Manufacturer Warranty: The contractual obligation to repair or to replace an article due to mechanical breakdown that renders the article unfit for its intended purpose provided by the maker of the item. This includes store brand warranties provided on store brand products. Covered Purchases: items, other than those listed in Section Exclusions, purchased entirely with the Eligible Card and/or have been acquired with points earned by a Rewards Program associated with the Eligible Card Card Type Single Limit per Item 365 days Platinum $2,500 $5,000 Infinite $5,000 $7,500 Notice of Service Request : -Written request for service must be given as soon as reasonably possible. Written request for service shall be given within thirty (30) days after the occurrence of any loss. -Notice shall be sent to: MetLife AIG ANB Cooperative Insurance Company Claims Department Al-Munajem Tower - King Fahed Road - Olaya District P.O. Box: 56437, Riyadh Kingdom of Saudi Arabia Tel.: Fax: The Cardholder must provide: o a signed service request form, if provided o copy of purchase receipt showing payment of the item was made entirely with the Eligible Card; o legible copies of all warranty information including, but not limited to: the manufacturer's original warranty; the store warranty; or any other applicable extended warranty; o Cardholder's statement of account showing the account is open and in good standing at the time of filing the service request. -Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation. -Fraud: If the service request is in any respect fraudulent all benefits in respect of such request shall be forfeited. EXCLUSIONS: - Boats; - Motorized vehicles including airplanes, automobiles and motorcycles, and any equipment, parts or accessories;
8 - Land or buildings; - Consumables and perishables - any customized, unique, or rare items - Used, rebuilt, refurbished and re-manufactured items at the time of purchase; -Items purchased for resale, professional, or commercial use; -Items which carry a "satisfaction guaranteed" promise that provides product replacement or benefits for anything other than defects in materials and workmanship of the item; -Items which carry a Manufacturer s Warranty of longer than three years; -Services, maintenance, repair, installation or assembly costs; -Any shipping or promised time frames of delivery, whether or not stated or covered by the Manufacturer's Warranty; and -Any costs relating to damage to Covered Products caused by accident, neglect, abuse, willful damage, vermin and insect infestation, misuse, theft, sand, fire, earthquake, storm and tempest, lightning, explosion, aircraft impact, water damage, corrosion, battery leakage or Acts of God CONDITIONS: - Covered Purchases must have a minimum Manufacturer s Warranty of twelve (12) months; and cannot have greater than a maximum combined Manufacturer s Warranty and additional optional warranty period of three (3) years. -Covered Purchases must have a valid Manufacturer s Warranty in the country of use, stating the extent of cover, the period of cover, what the manufacturer will do to correct the problem and whom to contact for service. -Covered Purchases may be repaired or replaced or the Cardholders may receive reimbursement of the original purchase price less any rebates, discounts or rewards points. -The Eligible Card must remain open, valid and in good standing for payments to be made. VISA - EXTENDED WARRANTY FAQs 12. Can you explain to me what do you mean by Extended Warranty? Extended Warranty is the extension of the manufacturer s warranty that comes with most electronic products that you purchase. It duplicates the terms of the original Manufacturer s Warranty up to one (1) full year upon the expiry of the manufacturer s warranty for Covered Purchases that cease to operate satisfactorily and require repairs during the Policy Period. The maximum period of coverage is 3 years, including any other additional warranty you purchased with the product 13. What is manufacturer s warranty? It is the warranty provided by manufacturer through the seller of the product. Coverage is usually one or two years depending on the brand. 14. What are the terms and conditions of coverage? Coverage of Extended Warranty depends on the manufacturer s warranty -- what it covers will also be covered under Extended Warranty.
9 There are certain exclusions to the coverage and they are found in the manufacturer s warranty card. In general, these are not covered: a. physical damage to the product, whether accidental in nature or not b. commercial usage of the Covered Purchase c. consumable and perishable items that came with the Covered Purchase d. motorized vehicles e. land or buildings 15. Do you cover purchased items given as gifts? Yes we cover purchased items given as gifts 16. Do you cover purchases over the internet? Yes, we cover purchases made over the internet 17. When I buy anything new from the market, do I have to register the purchased item with you? No, your purchase is automatically covered if it doesn t fall under the exclusions 18. What do you mean by per occurrence limit? This is the maximum amount payable under the policy for any claim made on the covered purchase 19. What do you mean by Annual Aggregate Limit? Annual Aggregate Limit is the maximum amount payable to you for which we are liable in the policy period of one year 20. Are the items purchased through a rewards program of my bank covered? Yes these purchases are covered 21. Are the items purchased outside my resident country covered? Yes these purchases are covered
CUSTOMER TERMS & CONDITIONS IN LIEU OF POLICY #: P/11/190301/2, P/11/190301/1
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