This is a weekly coverage amount.

This is the amount of medical cover that insurers will provide to pay for your medical costs in the event of an accident which is covered under this insurance.

✓ Sustains accidental bodily injury
✓ Dies or suffers total disablement as a result of unavoidable exposure to the elements
✓ Disappears and death is presumed after a reasonable period of time

✓ Medical, surgical, hospital, ambulance fees or other diagnostic treatment outside of the U.K.
✓ Medical, surgical, hospital, ambulance fees or other diagnostic treatment in the insured person’s country of domicile.
✓ The cost of a one-way economy ticket and other essential travel and accommodation expenses for up to three people who need to travel to or escort the insured person back to the U.K.
✓ Funeral expenses or expenses related to the transportation of an insured person’s body or ashes back to the U.K.
✓ Transport expenses of an insured person returning for the funeral of their spouse or blood relatives in the U.K. as specified in the policy document.
✓ Repatriation expenses to a suitable National Health Service hospital in the U.K. with the prior consent of the underwriters.

✓ Accidental bodily injury to a third party
✓ Accidental damage to or loss of property belonging to a third party
✓ Accidental trespass or nuisance

 If an insured person is travelling against medical or UK Government foreign travel advice
 For dental expenses not incurred as the result of an accident
 If the insured person can recover the costs from any other insurance or National Insurance Program
 After 12 months from the time of incurring the first expenses

 The ownership or use of any firearm, animal, aircraft, waterborne craft or mechanically propelled vehicle
 Bodily injury to anyone who is under service of the insured or when such an injury arises in the course of their employment
 The loss of or damage to property belonging to or in the custody of the insured person
 The ownership or occupation of land or buildings

! I am liable to pay the first part of any claim as an excess. The excess amount will be shown in my policy schedule.
! A 14-day deferment period may apply to my policy during which I must to be out of work due to my illness or injury before I will be entitled to any claim payment.
! Policy limits apply to my insurance. These are shown in my policy schedule.
! Cover for medical expenses when an insured person has returned to their country of domicile is limited to 30 days only

• When arranging your insurance or when making changes to your insurance you must take reasonable care to ensure that all information you provide is honest and accurate
• You must tell us as soon as reasonably practicable if you become aware of any inaccuracies or changes in the information you have provided to the insurer
• You must tell us about any incidents which could lead to a claim as soon as possible
Failure to meet your obligations could result in a claim being rejected, a reduction in the amount we pay or the cancellation of your insurance.