BUPA Essential Travelcover

31 days

Section 6 - Personal accident
This section of the policy sets out the cover we provide if you have an accident during a trip.
What is covered:
If you suffer loss of limb(s), loss of sight, permanent total disablement or die as a result of an accidental bodily injury during a trip, which within 12 months is the sole cause of either death or disablement, we will pay:
- £15,000 for death
- £30,000 for the loss of limb(s) (one or more limbs);
- £30,000 for the loss of sight (in one or both eyes);
- £30,000 for permanent total disablement.
The most we will pay for any one claim in total is £30,000 per person insured under this policy or £1,000 for the death of any person under 18 years old or more than 69 years old.
What is not covered:
a) Any claim related directly or indirectly to any disease,physical defect, infirmity or illness which existed before the start of the trip.
b) Any claim related directly or indirectly to pregnancy within 10 weeks of the estimated date of delivery.

Section 3 - Hospital daily benefit
This part of the policy sets out the benefit we will pay for a hospital in-patient stay.
What is covered:
If you make a claim under Section 2 - Medical emergency and other related expenses and we agree to pay your claim, we will also pay you the amount shown on your Policy Schedule for each continuous 24-hour period that they have to spend in hospital as an in-patient.
The most we will pay for each insured person is the amount shown on your Policy Schedule.

Section 2 - Medical emergency and other related expenses
This part of the policy explains the cover we provide for a medical emergency and other related expenses.
What is covered:
If you suffer an accidental bodily injury, illness or die while on a trip we will pay the cost of:
2.1 reasonable and necessary emergency medical and surgical treatment in the nearest suitable hospital.
The most we will pay for any one claim for each person insured per trip is the amount shown on your Policy Schedule.2.2 In the event of death:
a) transport of the body or ashes to your home or,
b) the cost of burial or cremation where death occurred abroad.
The most we will pay for any one claim for each person insured under the policy is £2,500.
2.3 additional travelling costs when our Senior Medical officer recommends that you must return to your country of residence including the cost of a medical escort if necessary.
2.4 reasonable additional travelling and accommodation costs for your spouse or partner or travelling companion accompanying you if you need to return to your country of residence for treatment on the advice of our Senior Medical Officer.
2.5 emergency dental treatment for the immediate relief of pain. The most we will pay for any one claim for each person insured per trip under the policy is £1,000.
2.6 the additional travelling and accommodation costs for one person to come and stay with you and/or accompany you home if this is recommended by a medical practitioner.
2.7 a single journey air ticket, for the same class of travel that you paid for on your outward trip, to enable a business colleague to replace you abroad if you need to return to your country of residence when recommended by our Senior Medical Officer or if you die during your trip.
2.8 a competent adult of our choice to accompany any of your children insured under this policy home and any of their additional travelling costs, if your accidental bodily injury, illness or death means that there is no one else to look after them.
The most we will pay for any one claim per trip is £750
What is not covered:
a) The excess.
b) Costs of more than £500 which we have not agreed in advance.
c) Any medical condition which existed before the trip unless you told us about the medical condition and we agreed to accept it.
d) Any treatment that was pre-planned or pre-known by you.
e) Treatment costs for cosmetic reasons.
f ) The cost of treatment for pregnancy or childbirth incurred within 10 weeks of the expected date of delivery.
g) The cost of any treatment when you have been told by a medical practitioner that the treatment can safely be delayed until your return home.
h) Any costs you incur abroad after the date our Senior Medical Officer tells you, you should return home.
i) The cost of dental treatment involving the provision of dentures, artificial teeth, permanent crowns, bridgework or the use of precious metals.
j) Any travelling or accommodation costs where we have not arranged the transportation.
k) The cost of dental treatment for cosmetic reasons only.
l) In respect of section 2.8,children who are 18 years old or over.
m) Children who are not insured under the policy.
n) In respect of section 2.6,2.7 and 2.8,any air travel costs above an economy/tourist class ticket.
o) Any accommodation costs other than the cost of the room.
p) Any treatment ,investigations or tests in a private hospital unless authorised
and agreed by us ,including the cost of a private or semi-private room .

Section 2 - Medical emergency and other related expenses
This part of the policy explains the cover we provide for a medical emergency and other related expenses.
What is covered:
If you suffer an accidental bodily injury, illness or die while on a trip we will pay the cost of:
2.1 reasonable and necessary emergency medical and surgical treatment in the nearest suitable hospital.
The most we will pay for any one claim for each person insured per trip is the amount shown on your Policy Schedule.2.2 In the event of death:
a) transport of the body or ashes to your home or,
b) the cost of burial or cremation where death occurred abroad.
The most we will pay for any one claim for each person insured under the policy is £2,500.
2.3 additional travelling costs when our Senior Medical officer recommends that you must return to your country of residence including the cost of a medical escort if necessary.
2.4 reasonable additional travelling and accommodation costs for your spouse or partner or travelling companion accompanying you if you need to return to your country of residence for treatment on the advice of our Senior Medical Officer.
2.5 emergency dental treatment for the immediate relief of pain. The most we will pay for any one claim for each person insured per trip under the policy is £1,000.
2.6 the additional travelling and accommodation costs for one person to come and stay with you and/or accompany you home if this is recommended by a medical practitioner.
2.7 a single journey air ticket, for the same class of travel that you paid for on your outward trip, to enable a business colleague to replace you abroad if you need to return to your country of residence when recommended by our Senior Medical Officer or if you die during your trip.
2.8 a competent adult of our choice to accompany any of your children insured under this policy home and any of their additional travelling costs, if your accidental bodily injury, illness or death means that there is no one else to look after them.
The most we will pay for any one claim per trip is £750
What is not covered:
a) The excess.
b) Costs of more than £500 which we have not agreed in advance.
c) Any medical condition which existed before the trip unless you told us about the medical condition and we agreed to accept it.
d) Any treatment that was pre-planned or pre-known by you.
e) Treatment costs for cosmetic reasons.
f ) The cost of treatment for pregnancy or childbirth incurred within 10 weeks of the expected date of delivery.
g) The cost of any treatment when you have been told by a medical practitioner that the treatment can safely be delayed until your return home.
h) Any costs you incur abroad after the date our Senior Medical Officer tells you, you should return home.
i) The cost of dental treatment involving the provision of dentures, artificial teeth, permanent crowns, bridgework or the use of precious metals.
j) Any travelling or accommodation costs where we have not arranged the transportation.
k) The cost of dental treatment for cosmetic reasons only.
l) In respect of section 2.8,children who are 18 years old or over.
m) Children who are not insured under the policy.
n) In respect of section 2.6,2.7 and 2.8,any air travel costs above an economy/tourist class ticket.
o) Any accommodation costs other than the cost of the room.
p) Any treatment ,investigations or tests in a private hospital unless authorised
and agreed by us ,including the cost of a private or semi-private room .

Section 2 - Medical emergency and other related expenses
This part of the policy explains the cover we provide for a medical emergency and other related expenses.
What is covered:
If you suffer an accidental bodily injury, illness or die while on a trip we will pay the cost of:
2.1 reasonable and necessary emergency medical and surgical treatment in the nearest suitable hospital.
The most we will pay for any one claim for each person insured per trip is the amount shown on your Policy Schedule.2.2 In the event of death:
a) transport of the body or ashes to your home or,
b) the cost of burial or cremation where death occurred abroad.
The most we will pay for any one claim for each person insured under the policy is £2,500.
2.3 additional travelling costs when our Senior Medical officer recommends that you must return to your country of residence including the cost of a medical escort if necessary.
2.4 reasonable additional travelling and accommodation costs for your spouse or partner or travelling companion accompanying you if you need to return to your country of residence for treatment on the advice of our Senior Medical Officer.
2.5 emergency dental treatment for the immediate relief of pain. The most we will pay for any one claim for each person insured per trip under the policy is £1,000.
2.6 the additional travelling and accommodation costs for one person to come and stay with you and/or accompany you home if this is recommended by a medical practitioner.
2.7 a single journey air ticket, for the same class of travel that you paid for on your outward trip, to enable a business colleague to replace you abroad if you need to return to your country of residence when recommended by our Senior Medical Officer or if you die during your trip.
2.8 a competent adult of our choice to accompany any of your children insured under this policy home and any of their additional travelling costs, if your accidental bodily injury, illness or death means that there is no one else to look after them.
The most we will pay for any one claim per trip is £750
What is not covered:
a) The excess.
b) Costs of more than £500 which we have not agreed in advance.
c) Any medical condition which existed before the trip unless you told us about the medical condition and we agreed to accept it.
d) Any treatment that was pre-planned or pre-known by you.
e) Treatment costs for cosmetic reasons.
f ) The cost of treatment for pregnancy or childbirth incurred within 10 weeks of the expected date of delivery.
g) The cost of any treatment when you have been told by a medical practitioner that the treatment can safely be delayed until your return home.
h) Any costs you incur abroad after the date our Senior Medical Officer tells you, you should return home.
i) The cost of dental treatment involving the provision of dentures, artificial teeth, permanent crowns, bridgework or the use of precious metals.
j) Any travelling or accommodation costs where we have not arranged the transportation.
k) The cost of dental treatment for cosmetic reasons only.
l) In respect of section 2.8,children who are 18 years old or over.
m) Children who are not insured under the policy.
n) In respect of section 2.6,2.7 and 2.8,any air travel costs above an economy/tourist class ticket.
o) Any accommodation costs other than the cost of the room.
p) Any treatment ,investigations or tests in a private hospital unless authorised
and agreed by us ,including the cost of a private or semi-private room .

Section l - Assistance Cover
This part of the policy explains the services we provide before you travel and available on 020 8763 3115.
1.2 Personal Assistance
This part of the policy explains the administrative and delivery costs we will pay for services we provide outside the United Kingdom area.
What is covered:
1.2.1 If you need money urgently and access to your normal financial or banking arrangement is not available locally we will transfer emergency funds intended to cover your immediate emergency needs to you if you allow us to debit a credit or charge card, or arrange for funds to be deposited with us in your country of residence.
The most we will transfer under this policy, per trip is the amount shown on your policy schedule.

Section 5 - Legal protection
This section does not apply if you have chosen Extended Stay Travel Cover.
We will provide telephone guidance and assistance on any legal problem which arises in connection with a trip. This service operates from the start of a trip until 7 days after completion of the trip.
What is covered:
We will insure you for:
Legal expenses up to £25,000 to claim compensation or damages if you are injured or if you die as a direct result of an accident that happens during the trip.
An overall maximum of £50,000 for all claims made by insured persons as a direct result of the same accident.
Any extra travelling expenses up to a maximum of £250 per person if you have to attend a court abroad about your claim for compensation.
What is not covered:
We will not cover any claim:
a) For legal expenses which we have not agreed to beforehand in writing.
b) Reported to us more than 90 days after the incident.c) Where we think there is not a reasonable chance of you winning the case or achieving a reasonable outcome.
d) Where a reasonable estimate of your total legal expenses is greater than the compensation or damages that you are claiming.
e) Where you are injured or die as a result of taking part in hazardous sports or activities.
f ) For damages or fines you have to pay.
g) In connection with a trip solely within the United Kingdom area.
h) Made by you against us, the insurer or FirstAssist.
i) For any costs relating to a claim or counterclaim made against you.
j) Any legal expenses which are dependent upon the successful outcome of the case.
How we settle claims under this section
You must keep to the conditions on this page, and on page 15, 16 and 17.
If anything happens which might lead to a legal expenses claim, you must tell us immediately by filling in a claim form, giving us a full and truthful account of the details of your claim. You must give us any information we request. We will give you our agreement if:
- we think you have a reasonable chance of winning your case and achieving a reasonable outcome; and
- we think it is reasonable to pay your legal expenses. If we do not accept your claim we will tell you why. If there is a dispute between you and us or First Assist about this section of the policy, it can be taken to an independent arbitrator. The arbitrator will be a solicitor or barrister whom you and we agree to. If we cannot agree with you on an arbitrator, the President of the Law Society (or similar organisation) will choose an arbitrator. The side that loses the arbitration will pay the costs of the arbitration. If the decision is not totally in the favour of one side, the arbitrator will decide who pays the costs. This arbitration procedure does not prejudice your right to have recourse to any other complaints procedure to which the insurer subscribes or to the courts. When an incident happens outside of the European Union, we will appoint and control the legal representative. If your representative wants to consult a barrister we will agree if we think it is reasonable. You must give us the name of the barrister and the reasons why you need one. We may take over and continue in your name all legal action if the dispute is for an amount which is less than £1,000 or if the dispute could be dealt with by the Small Claims Court. In these circumstances, we may carry out our own investigation and try to settle your dispute. You must agree to a settlement which is reasonable. You must tell us if an offer is made to settle the dispute. You must not negotiate or agree to settle the dispute without having our agreement beforehand. If you do not accept a reasonable offer to settle the dispute, we may not continue to support your claim. We must be able to contact your representative. You and
your representative must co-operate with us and tell us about developments to do with your case. You must send all bills for the representatives legal expenses as soon as you receive them. You must confirm to
us that any charges you have to pay for the representatives handling this dispute are acceptable and that we may pay the bill for you. You and your representative must take every step to recover legal expenses. You must pay any recovered legal expenses to your representative who must then refund any legal expenses which we have paid or which we are due to pay. If, during the claim, we think that Exclusion (c) may apply, we may not continue to support your legal proceedings.

Emergency Assistance
In the event of a medical emergency, immediate help is available from the 24-hour multi-lingual emergency centre, 365 days a year.
What you must do:
In an emergency, you should first check that the situation is covered by your BUPA Travel Cover policy. Please be ready to give your name, schedule number and as much information as possible about your emergency. BUPA Travel Assistance will ask you for a telephone or fax number where they can contact you or leave you a message at any time of the day or night. You must contact BUPA Travel Assistance and obtain their authorisation before you incur any expenses over £500. Until you have contacted BUPA Travel Assistance, we cannot accept responsibility for any expenses. Any minor illness or injury costs resulting in a claim should be paid by the insured person and redeemed within 14 days of returning from the trip. You can ring BUPA Travel Assistance on the following number: Telephone: +44 (0)20 8763 3115 Or fax BUPA Travel Assistance on: Telefax: +44 (0)20 8763 3035 BUPA Travel Assistance services are provided by First Assist Services Limited. For your protection, your calls may be recorded and may be monitored.

General Exclusions
17. Any claim or expense of any kind, directly or indirectly caused by:
a) any terrorist act (other than under Section 2 Medical Emergency & Other related costs and Section 6 Personal Accident as long as the disturbances were
not taking place at the time of booking the trip and/or at the start of the trip).b) war, riot, invasion, revolution, rebellion or civil commotion;
c) ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuel;
d) radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
e) pressure waves from aircraft and other flying objects travelling at or faster than the speed of sound.

General Exclusions
17. Any claim or expense of any kind, directly or indirectly caused by:
a) any terrorist act (other than under Section 2 Medical Emergency & Other related costs and Section 6 Personal Accident as long as the disturbances were
not taking place at the time of booking the trip and/or at the start of the trip).b) war, riot, invasion, revolution, rebellion or civil commotion;
c) ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuel;
d) radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
e) pressure waves from aircraft and other flying objects travelling at or faster than the speed of sound.

Conditions
These are the conditions of the insurance you will need to meet as your part of this contract:
1. Medical Screening
1.1 If you have been assessed and accepted for full cover in respect of your pre-existing medical condition(s), the endorsement issued will only be valid for the duration of your Single Trip, Extended Stay and /or Annual Insurance Period. After which time you will need to be re-assessed at the start of each annual policy renewal and /or when purchasing a new Single Trip or Extended Stay policy.
2. Changes in your circumstances
You must write and tell us within 30 days:
- if anyone who has been insured under this policy is no longer to be covered under this policy;
- if your address has changed;
- if you or anyone who is insured under this policy is no longer resident in the United Kingdom area;
- if you develop a medical condition or anticipate any tests for a medical condition;
- if a medical condition disclosed to and accepted by us, deteriorates.
If you do not tell us about changes, a claim might be rejected or payment could be reduced. In some circumstances your policy might be invalid. We may re-assess our cover and premiums when we are told about changes.
3. Taking care
You must take all reasonable steps to prevent loss or damage. You must act as if you are not insured.
4. Fraud
If dishonest means are used by you or anyone acting on your behalf to:
- obtain a claims payment under your policy;
- obtain cover for which you do not qualify;
- obtain cover at a reduced premium;
all benefits under your policy will be lost. All benefits claimed fraudulently and received must be repaid to us.
5. Transferring your interest in the policy
You cannot transfer your interest in this policy to anyone else without our written permission.
6. You must not settle, reject or negotiate any claim without our permission.
7. We have the right, if we choose, in your name but at our expense to:
- take over the defence or settlement of any claim;
- start legal action to get compensation from anyone else for our own benefit;
- start legal action to get back from anyone else any payments that have already been made;
- take any action to get back any lost property or property believed to be lost.
8. You must give us, at your reasonable expense, all the information we ask for about any claim including evidence and receipts and you must help us to take
legal action against anyone if we ask you to.
9. If you claim under this policy for something which is also covered by another insurance policy or service contract, you must provide us with full details of the
other insurance policy or contract. We will only pay our share of any claim except for personal legal responsibility where we will make no payment where you hold another insurance policy providing this cover.
10. You must take all reasonable steps to get back any article which has been lost or stolen. You must if asked to, identify the person you believe to be responsible
for the loss and to assist with any prosecution if necessary.
11. If we settle your claim and as a result your travel ticket(s) are not used, you must give the tickets to us.
12. You must complete a claim form within 28 days of your returning home to your country of residence if anything happened on your trip which might lead to a
claim under your policy. For emergencies or claims that are likely to be expensive, you must tell us as soon as possible.
13. If we ask for it, you must agree to be examined by a medical practitioner of our choice and at our expense.
14. In the event of the death of anyone insured under the policy, if we ask for it, you must agree to have a post mortem examination carried out at our expense.
15. You must pay back to us any amount which we have paid to you for something which is not covered under this policy.
16. If you make a claim under this policy the policy premium is not refundable as part of your claim.17. We will make every effort to apply the full range of services in all circumstances as shown in your policy.
Remote geographical locations or unforeseeable adverse local conditions may prevent the normal standard of service being provided.

Excess
The first £50 of each claim, for each person insured under this policy which you must pay, for every incident, under each section of cover you claim.