Travel is fast becoming an almost annual treat for most Maltese families. It is therefore important to take out travel insurance prior to your departure, indeed immediately you have paid a deposit to book your holiday.
Our Travel Policy is designed to ensure that adequate cover is in place to give you the peace of mind you require for the care-free holiday you deserve. Worldwide overseas medical assitance is also provided, should this be required, by Worldwide Assistance. There are three levels of cover you can choose from - the Budget, the Economy and the Club levels - all you need to do is to make sure that the sums insured / limits applicable under the various sections are in line with your requirements, and cater for what you will be carrying, wearing and buying.
The Benefits applicable under each of the policy covers are as follows:
| |
|
Plan |
Section |
Benefits |
Budget |
Economy |
Club |
| |
|
€ |
€ |
€ |
1 |
Cancellation & Abandonment - Cover starts from 'Date of Issue' of the Policy Schedule: |
698.81 |
2329.37 |
3494.06 |
|
Excess: |
23.29 |
34.94 |
46.59 |
2 |
Medical Emergency and Associated Expenses: |
23,293.73 |
174,703.00 |
232,937.34 |
| Excess: |
23.29 |
34.94 |
46.59 |
3 |
Hospital Benefit - Lm10 per day in addition to Benefit 2 up to: |
116.47 |
465.87 |
465.87 |
|
Excess: |
nil |
nil |
nil |
4 |
Your Liability to Others: |
1,164,686.70 |
1,164,686.70 |
1,164,686.70 |
| Excess: |
23.29 |
34.94 |
46.59 |
5 |
Delayed Departure - €20 for every full 12 hour period up to: |
116,47 |
116.47 |
232.94 |
|
Excess: |
nil |
nil |
nil |
6 |
Missed Departure: |
232.94 |
698.81 |
1,397.62 |
| Excess: |
nil |
nil |
nil |
7 |
Personal Accident: |
9,317.49 |
18,634.99 |
34,940.60 |
|
But if under 16 years: |
4,658.75 |
9,317.49 |
17,470.30 |
|
Excess: |
nil |
nil |
nil |
8 |
Personal Belongings |
698.81 |
1,164.59 |
2,096.44 |
|
Limit any one article: |
232.94 |
349.41 |
465.87 |
| Limit for valuables* |
465.87 |
698.81 |
698.81 |
| Excess: |
23.29 |
34.94 |
46.59 |
9 |
Delayed Luggage - If delayed more than 12 hours: |
116.47 |
174.70 |
232.94 |
| Excess: |
nil |
nil |
nil |
10 |
Loss of Passport: |
116.47 |
174.70 |
232.94 |
|
Excess: |
nil |
nil |
nil |
11 |
Personal Money: |
582.34 |
931.75 |
1,397.62 |
| Excess: |
23.29 |
34.94 |
46.59 |
12 |
Hijack: - Lm50.00 for every completed 24 hours |
465.87 |
465.87 |
465.87 |
| Excess: |
nil |
nil |
nil |
As with all legal documents, it is important for you to ensure that you go through the insurance policy to see that it meets your requirements and to know about exclusions which apply. Being aware of these exclusions makes life easier for everyone and we would be pleased to fax or mail to you a copy of the standard policy wording for your attention.
*Valuables - shall mean jewellery, furs, articles containing precious metals or stones, watches, binoculars, telescopes, photographic, audio and video equipment.
PREMIUM RATES |
| Budget |
| Days |
Territorial Limits |
|
Area 1 |
Area 2 |
Area 3 |
| |
€ |
€ |
€ |
| 1 - 5 |
11.65 |
22.13 |
26.79 |
| 6 - 11 |
13.98 |
29.12 |
34.95 |
| 12 - 18 |
18.17 |
37.27 |
43.09 |
| 19 - 24 |
24.00 |
43.09 |
47.75 |
| 25 - 31 |
27.49 |
47.75 |
52.41 |
| Each additional 10 days or part thereof |
5.82 |
6.99 |
11.65 |
|
| Economy |
| Days |
Territorial Limits |
|
Area 1 |
Area 2 |
Area 3 |
| |
€ |
€ |
€ |
| 1 - 5 |
15.14 |
29.12 |
32.61 |
| 6 - 11 |
18.63 |
34.94 |
40.76 |
| 12 - 18 |
23.29 |
46.59 |
54.27 |
| 19 - 24 |
27.95 |
55.9 |
65.22 |
| 25 - 31 |
30.98 |
61.96 |
72.21 |
| Each additional 10 days or part thereof |
6.99 |
11.65 |
13.98 |
|
|
|
|
|
| Club |
| Days |
Territorial Limits |
|
Area 1 |
Area 2 |
Area 3 |
| |
€ |
€ |
€ |
| 1 - 5 |
22.13 |
41.93 |
46.59 |
| 6 - 11 |
25.62 |
48.45 |
54.04 |
| 12 - 18 |
30.98 |
61.73 |
66.39 |
| 19 - 24 |
36.57 |
71.05 |
78.03 |
| 25 - 31 |
39.60 |
82.69 |
89.68 |
| Each additional 10 days or part thereof |
11.65 |
16.31 |
19.80 |
| Territorial Limits |
Area 1 |
Europe ( including Russia west of Ural Mountains), countries bordering the Mediterranean, the Azores, Canary Islands, Madeira and Iceland |
Area 2 |
Worldwide (excluding USA & Canada) |
Area 3 |
Worldwide |
IMPORTANT NOTES AND ADDITIONAL LIMITS
- Rates indicated are valid for persons between the ages of 16 and 70 both inclusive
- Persons aged between 71 and 79 are charged double the rates. A medical certificate of good health must be submitted. (Underwriting Restrictions may apply).
- Children under 2 will be covered free if accompanied by an insured adult. Children between 2 and 15 will be charged 60% of the rates quoted.
- Increased Accidental Death/Permanent Total Disablement for each scheme for any area, an additional €2.91 for each additional €2,329.37 or part thereof.
Max. Limit – Budget: €16,305.61, Economy: €32,611.23, Club:€58,234.33.
(Underwriting Restrictions may apply)
- Increased baggage or money cover for each scheme for any area, an additional €2.33 for each additional €232.94 or part thereof in excess of the limits as per Table of compensation. Max. Limit – BAGGAGE: Budget: €931.75, Economy: Lm1,630.56, Club: €2,562.31 MONEY: Budget: €815.28, Economy: €1,164.69, Club: €1,863.50 (Underwriting Restrictions may apply)
- Increase in the limits for any one article or valuables for each scheme for any area, an additional €2.33 for each additional €232.94 or part thereof in excess of the limits as per Table of Compensation. An updated valuation/receipt must be produced. Max. Limit - Any One Article: Budget: Lm N/A, Economy : Lm N/A, Club: €1.164.69. (Underwriting Restrictions may apply)
- Winter Sports will be covered at 3 times the rates quoted, available only for persons aged from 2 to 69 years.
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