Travel Insurance - Policy Conditions

Make sure to fully understand the policy's Terms and Conditions of any plan you intend on choosing; they define the exact level of cover a policyholder will receive as well as any additional benefits that they may be entitled to. As a breif example, the key conditions of the IHI-Bupa travel policy are provided below.

Application and Acceptance of Insurance
Commencement of the Plan and Policy Extensions
Who is Covered
Area of Coverage
What is Covered
Medical Cover
Medical Evacuation and Repatriation
Return Trip Coverage
Compassionate Emergency Repatriation
Next of Kin Accompaniment and Compassionate Emergency Visit
Exceptions for Compensation (exclusions)
How to Report a Claim
Cover by Third Parties
Payment of Premium
Necessary Information to the Company
Assignment, Cancellation and Expiry
Disputes, Venue, Etc.

Should you have any additional questions or queries in regards to the IHI-Bupa international health insurance travel policies that we can offer, or you would like to compare travel insurance and receive a free quote, please click here, or contact one of our expert advisers today

 

Application and Acceptance of Insurance

• Applications for International Health Insurance Travel Plans require approval from IHI-Bupa.
• Individuals over 80 years old are not eligible to be covered by an IHI-Bupa travel insurance plan.
• If an individual starts a policy under the age of 80, cover will stop once they reach the age of 80.
• All underwriting and policy scehdules are deteremined at IHI-Bupa's headquarters in Copenhagen, Denmark.

 

Commencement of the Plan and Policy Extensions

• The policy will only be valid if the premium has been paid prior to the start of the plan.
• The policy will last from the date that the policyholder leaves their home country until the date that they return, understanding that both of these dates are inclusive in the length of the trip.
• Should a policyholder purchase the policy while they are outside of their home country then there will be a three day waiting period before coverage commences.
• In the event of a serious injury in connection with an accident, the right to compensation shall, however, take effect concurrently with the date of commencement of the insurance.
• IHI-Bupa travel insurance plans are valid for multiple trips throughout the year understanding that no single trip should exceed one calendar month in length (for example; if an annual policyholder starts a journey on the 5^th of June then they will be covered up to and including the 4^th of July).
• If an annual plan policyholder needs to extend the length of cover then they can contact IHI-Bupa and purchase additional travel days for the period that exceeds one month.
• If an annual policyholder purchases additional travel days prior to departing on the journey, then the coverage will applied with no interruptions during the transition to the extended period.
• If a single trip plan is purchased then the policyholder is limited to a trip no longer than 12 months in duration.
• A single trip policy can be extended by purchasing additional days from IHI-Bupa, however, any illnesses, injuries, or symptoms displayed during the previous coverage period will not be covered from the start date of the extension.

 

Who is Covered

• Any individual named on the insurance card or policy schedule is covered by the IHI-Bupa travel insurance plan.
• Children under the age of 2 are provided free cover after the policyholder has registered the child with IHI-Bupa. This is the case understanding that the policyholder has legal custody of the child, and that the child resides at the same home address.

 

Area of Coverage

• IHI-Bupa travel plans provide world wide protection.
• Travel plans will not provide cover while you are in your home country.

 

What is Covered

• An IHI-Bupa travel plan will provide coverage in accordance with the benefit table listed on the previous page.
• The coverage limit per insured person on the plan will not exceed USD$ 300,000.
• In the event that a policyholder is evacuated or repatriated, any children under the age of 18 will be compensated for reasonable travel expenses.

 

Medical Cover

• International health insurance travel plans will cover all medical expenses incurred by the policyholder in the event of acute illness or injury in accordance with the benefit table on the previous page.
• The plan will not cover any pre-existing conditions, chronic and reoccurring illnesses or disorders if the policyholder has;
• Been hospitalized at any point 6 months prior to the commencement of cover.
• Has had a change of medication for an illness 6 months prior to the commencement of cover.
• Has refused medical treatment or medication for any condition prior to the commencement of cover.
• Has reached the point where treatment has been abandoned or has been refused treatment for a condition, prior to the commencement of cover.
• Has referred to another place of treatment or is waiting to receive treatment for a condition prior to the commencement of cover.
• The insurance does not cover expenses for control, treatment and medicines in connection with stabilization and regulation of a pre-existing, chronic or recurrent illness/disorder. The insurance does not cover a need for treatment which was expected before departure.
• Physicians, specialists, dentists, etc. performing the treatment must have authorization in the country of practice. Furthermore, the method must be approved by the public health authorities in the country where the treatment takes place. Methods of treatment not yet approved by the public health authorities, but under scientific research, will only be covered if approved in advance by IHI-Bupa's medical consultants.
• IHI-Bupa has the right to demand that the insured be repatriated in order to receive treatment in the country of permanent residence, if the Company's medical consultant and the treating physician agree that treatment can be postponed until the insured has been transferred to his/her country of permanent residence.

 

Medical Evacuation and Repatriation

• Compensation shall be paid for reasonable additional expenses incurred for the insured's medical evacuation/repatriation in the event of acute serious illness, serious injury or death.
• Insurance shall provide cover subject to the treating physician and IHI-Bupa's medical consultant agreeing on the necessity of transferring the insured and agreeing on whether the insured should be transferred to his/her country of permanent residence or to another place of treatment.
• Only one transportation is covered in connection with one course of an illness.
• In the event of the insured's death, expenses for home transportation of the deceased and for statutory arrangements such as embalming and a zinc coffin shall be reimbursed. The next-of-kin have the following options:
• cremation of the deceased and home transportation of the urn or
• home transportation of the deceased.
• Expenses shall be reimbursed for repatriation for any 2 of the summoned relatives or fellow-travelers of the deceased. IHI-Bupa shall compensate travel expenses equivalent to the cost of an airplane ticket on economy class, as a maximum.
• If the insured is unable to continue the trip due to an acute illness covered by the insurance, additional and reasonable travel expenses shall be covered when the insured is able to travel again, and when accepted by IHI-Bupa prior to the change of travel itinerary.

 

Return Trip Coverage

• The insurance shall cover a return trip to the destination abroad if the insured has been medically evacuated because of illness or injury or if the insured has been repatriated or used the Compassionate Emergency Repatriation cover.
• The incident causing the return trip must be covered by the insurance, and the insurance must still be valid at the time of the return trip.
• IHI-Bupa shall compensate travel expenses equivalent to the cost of a return airplane ticket on economy class. The destination for the return trip must always be the destination where the insured would have been according to his/her original travel plan at the time of the return trip.

 

Compassionate Emergency Repatriation

• The insurance shall cover in the event that the insured has to terminate his/her stay abroad prematurely, because a close relative in the insured's country of permanent residence is hospitalized or dies as a result of serious acute illness or injury occurring after the departure of the insured.
• In case of doubt the decision will be left with IHI's medical consultants and if necessary with the treating physician. In the event of death, a death certificate must be submitted to the IHI-Bupa.
• A close relative is defined as being a spouse/partner, residing and registered at the same address as the insured, a child, a son or daughter-in-law, a grandchild, a parent, a Grandparent, a parent-in-law, a brother or a sister.
• Only one transportation is covered in connection with one course of an illness.
• No compensation shall be paid if the injured in question is a fellow-traveler who has already been repatriated.
• Repatriation shall only be covered if the ensuing time of arrival is at least 12 hours earlier than the insured's originally planned time of arrival.
• Compensation shall be paid for reasonable additional traveling expenses equivalent to the cost of an airplane ticket on economy class, as a maximum.

 

Next of Kin Accompaniment and Compassionate Emergency Visit

• The insurance shall cover accompaniment in the event of serious acute illness, serious injury, death and/or medical evacuation/repatriation of the insured. It is a condition for cover that IHI-Bupa's medical consultant and the attending physician agree that the duration of the stay in hospital will be a minimum of 5 days and nights, or that the condition of the insured is life-threatening.
• The insured is entitled to a maximum of two persons accompanying him/her. The accompanying persons may either be fellow-travelers or relatives who are summoned from the insured's country of permanent residence to accompany the insured.
• IHI-Bupa shall compensate additional travel expenses equivalent to the cost of a return airplane ticket on economy class per summoned person. Furthermore, compensation shall be made for a maximum of USD 300/EUR 250/ CHF 400/GBP 170 per day for each summoned person or fellow-traveler for expenses in connection with accommodation, board and local transport.
• The insurance shall only cover a compassionate emergency visit one time in connection with one insured event.

 

Exceptions for Compensation (exclusions)

• The Company shall not be liable to pay compensation for expenses which concern, are due to or are incurred as a result of:
• Any illness, injury, bodily infirmity or physical disability and consequences thereof which have come into existence, or shown symptoms, before the insurance became effective or, if an annual travel plan has been chosen, before each trip abroad.
• Cosmetic surgery and treatment and consequences thereof unless medically prescribed and approved by the insurance company.
• Recreational treatment.
• Pre-existing diseases of the teeth and dental treatment which is not pain stilling and provisional and can await the insured party's arrival home.
• Dentures are also not covered under an IHI-Bupa travel Plan
• Venereal diseases, AIDS, AIDS related diseases, and diseases relating to HIV antibodies (HIV positive).
• Medical and maternity assistance arising after the 36^th week of pregnancy, and after the 18^th week when the pregnancy is the result of any kind of fertility treatment and/or the insured is expecting more than one child.
• Induced abortions which are not medically prescribed will not be covered.
• Treatment relating to the abuse of alcohol, drugs and/or medicines.
• Self inflicted intentional bodily injury.
• Treatment by naturopaths, naturopathic medicines, and any other alternative methods of treatment.
• Treatments for sickness or injuries directly or indirectly caused while actively engaging in:
• War, invasion, acts of foreign enemies, hostilities (whether war has been declared or not), civil war, terrorist acts, rebellion, revolution, insurrection, civil commotion, military or usurped power, martial law, riots or the acts of any lawfully constituted authority, or army naval or air service operations (whether war has been declared or not).
• Nuclear reactions or radioactive fallout.
• Treatment performed by the insured, his/her spouse, parents or children, or any enterprise owned by one of the afore mentioned persons.
• Epidemics which have been placed under the direction of public authorities.
• Treatment prescribed by psychologists, unless prescribed by physicians in connection with emergency relief.
• Routine medical check ups, vaccinations, and other preventative treatments.
• The insured resisting or failing to comply with medical directions issued by IHI-Bupa's medical consultants or treating physicians.
• The insured resisting medical evacuation/repatriation.
• Transportation which has not been arranged by IHI-Bupa.
• Expenses equivalent to those that IHI-Bupa would have reimbursed if it had been notified of the transportation shall be covered.
• Medical treatments and examinations which can await the insured's return home.
• Private room in hospital unless medically prescribed and approved by IHI-Bupa.
• Any treatment which is not necessary or is not directly related to the diagnosis covered by the insurance.
• Active participation in any motor sport show, race, or competition.
• Any illness or injury resulting from active engagement in any illegal act.

 

How to Report a Claim

• Compensation shall be paid following IHI-Bupa's approval of the expenses being covered by the insurance after a fully completed Claim Form has been submitted to the company together with the original, receipted and itemized bills and/or other relevant documentation such as medical information and flight tickets/travel documents.
• In no event shall the amount compensated exceed the amount shown on the bill.
• If the insured receives compensation from IHI-Bupa in excess of the amount to which he/she is entitled, the insured shall be under the obligation to repay the company for the excess amount immediately. Subsequent compensation made by IHI-Bupa will first be written down by any outstanding amount.
• Compensation payments shall be limited to the usual, customary and reasonable charges in the area or country in which treatment is provided.
• IHI-Bupa shall be notified immediately in the case of death, hospitalization, emergency repatriation, medical evacuation/repatriation or accompaniment, and such notification must include medical information about the illness/injury.
• Notification should be made by telephone or email to IHI-Bupa's 24 hour emergency service; the company shall defray all expenses incurred in this connection.
• Claims shall be reported to IHI-Bupa no later than 30 days after the expiry of the insurance.
• Complaints regarding IHI-Bupa's claim handling process shall be filed no later than 30 days after receipt of the compensation amount.

 

Cover by Third Parties

• Where there is cover by another insurance policy or healthcare plan, this must be disclosed to IHI-Bupa when claiming reimbursement.
• In these circumstances, IHI-Bupa will co-ordinate payments with the other companies and IHI-Bupa will not be responsible for more than its ratable portion.
• If the claim has been covered in whole or in part by any scheme, program, or similar, funded by any government, IHI-Bupa shall not be liable for the amount covered.
• The policyholder and any insured person undertake to cooperate with IHI-Bupa and notify IHI-Bupa immediately of any claim or right of action against third parties.
• Furthermore, the policyholder and any insured person shall keep IHI-Bupa fully informed and will take any reasonable steps in making a claim against another party and to safeguard the interests of IHI.
• In any event, IHI-Bupa will have the full right of subrogation.

 

Payment of Premium

• Premiums, including renewal premiums for IHI-Bupa annual travel, are determined by IHI-Bupa and shall be payable in advance for the whole insurance period before the commencement of the insurance.
• The policyholder shall be responsible for punctual payment of the premium to IHI-Bupa.
• In the event of failure to pay before the commencement of insurance, the insurance shall not be effective and IHI-Bupa shall not become liable.
• Refund of the premium possible only if a written request is received by IHI-Bupa prior to the commencement date of the insurance.
• IHI-Bupa will charge a fee in connection with refund of a premium.
• After the commencement date of the insurance, the premium is considered fully earned and no refundable.

 

Necessary Information to the Company

• The policyholder and/or the insured shall be under obligation to notify IHI-Bupa of any travel or health insurance cover or a similar cover with another company.
• The policyholder and/or the insured shall also be under the obligation to notify IHI-Bupa of, and provide IHI-Bupa with, all obtainable information required for IHI-Bupa's handling of the policyholder's and/or insured's claim against the company.
• In addition the company is entitled to seek information about the insured's state of health and to contact any hospital, physician, etc. who is treating or has been treating the insured for physical or mental illnesses or disorders.
• Furthermore, the company is entitled to obtain any medical records or other written reports and statements concerning the insured's state of health.

 

Assignment, Cancellation and Expiry

• Without the prior written consent of IHI-Bupa, no party shall be entitled to create a change or assign the rights under the insurance.
• If IHI-Bupa Annual Travel has been chosen, the insurance is automatically renewed on each policy anniversary.
• The insurance can be cancelled by the policyholder or by IHI-Bupa at the policy anniversary with 1 months written notice.
• When a claim has been filled, the insurance can be cancelled with one month’s written notice by the policyholder or by IHI-Bupa within 14 days after the reimbursement has been affected or rejected by IHI-Bupa.
• IHI-Bupa's liability shall automatically cease at the end of the insurance period. Upon expiry of the insurance, the right to compensation shall cease.
• The insurance period can be extended for up to 48 hours with no extra premium charge if the return of the insured is delayed without the insured being responsible for the delay.
• Where upon taking out the insurance of subsequently, the policyholder or insured has fraudulently disclosed incorrect information or withheld facts which may be regarded as being of importance to IHI-Bupa, the insurance contract shall be considered void and shall not be binding to IHI-Bupa.
• IHI-Bupa can stop or suspend an insurance product at 3 months notice prior to the policy anniversary.

 

Disputes, Venue, Etc.

Any disputes arising out of or in connection with the insurance contract shall be settled in accordance with Danish law, with Copenhagen as the agreed venue.
The company is affiliated to Ankenævnet for Forsikring, Anker Heegaards Gade 2, 1572 Copenhagen V. Denmark (the insurance appeals board).