Group Travel by x8SE33

VIEWS: 10 PAGES: 5

									Group Travel
_________________________________________________________________
Insurer                Chartis Insurance UK Limited
Period of Insurance    1st August 2011 - 31st July 2012


Insured Persons        1. Any Employee or Retired Employee, Holders of Research Fellowships
                          and Postgraduate Students travelling with the knowledge and consent of
                          the Insured.
                       2. All Secondees of the Insured details of whom have been declared to &
                          accepted by Insurers
                       3. Accompanying Spouses or partners of Categories 1&2 including
                          Children

Geographical Limits    Worldwide

Basis of Cover:        Whilst on a journey (as defined) on the business of the University

Non-Secondees          Outside United Kingdom or within United Kingdom if this involves air
                       travel or an overnight stay

Journey Duration       Maximum 12 months any one trip

Excess                 £250 each & every claim, applicable to both the Personal Belongings
                       and Money sections of the policy

Basis of Cover -       Whilst on a journey (as defined) on the business of the University.
Secondees              Effective Time A shall mean 24 hours a day whilst in the Country of
                       Secondment and whilst travelling to and from the Country of Secondment
                       from or to the United Kingdom.

                       Effective Time B shall mean whilst on a Journey which is defined as any
                       trip in connection with the Business of the Policyholder and / or holiday
                       travel that :

                       1. commences during the period of insurance
                       2. does not exceed 12 months duration
                       3a. involves any travel outside the Country of Secondment to a destination
                           other than the United Kingdom, or
                       3b. air travel within the Country of Secondment or
                       3c. any travel within the Country of Secondment provided that such travel
                           involves an overnight stay away from residence or normal place of
                           business.
                                          Cover will start from the time of leaving residence or normal place of
                                          business within the Country of Secondment ( whichever is left first) and
                                          continue until arrival back at residence or normal place of business
                                          within the Country of Secondment ( whichever is reached last)

Definition of                             This shall mean the fulfilling of a contract by a person on behalf of the
Secondment                                Policyholder that requires such person to work and reside in a country
                                          other than the United Kingdom for a specific period, intended to be for
                                          not less than twelve months

Excess                                    The first GBP 100 of each & every claim

Schedule of Benefits - Summary
(Please contact Insurance Section for full policy details)

Any Employee or Retired Employee, Holders of Research Fellowships and Postgraduate
Students travelling with the knowledge and consent of the University

Benefits                                  1. Death                                                   GBP150,000
                                          2. Loss of one or more limbs                               GBP150,000
                                          3. Loss of sight in one or both eyes                       GBP150,000
                                          4. Loss of speech                                          GBP150,000
                                          5. Loss of hearing in both ears                            GBP150,000
                                          6. Loss of intellectual capacity                           GBP150,000
                                          7. Permanent Total Disablement from usual occupation GBP150,000
                                          8. Other Permanent Disabling Injuries - limits as
                                             detailed in Page 10 of Policy document                  As per Policy
                                          9. Medical & Emergency Repatriation Expenses
                                             (excluding UK Journeys)                                    Unlimited
                                          10. Personal Belongings (where the value of any one
                                              article, pair or set exceeds £2,000 Policyholder shall
                                              be liable for 25% of such excess amount)                GBP10,000
                                          11. Business Equipment                                       GBP1,500
                                              (up to £2,000 for Electronic Business Equipment)
                                          12. Money ( where the amount of cash exceeds £2,000
                                              Policy holder shall be liable for 25% of such excess
                                              amount)                                                 GBP5,000
                                          13. Financial Card Misuse                                   GBP5,000
                                          14. Cancellation, Curtailment & Rearrangement Expenses
                                              (Aggregate limit per journey / event GBP 250,000) GBP10,000
                                          15. Hijack: GBP500 per day – maximum of 100 days           GBP25,000
                                          16. Personal Liability:
                                              Limit of Indemnity – any one event                   GBP5,000,000
                                          17. Kidnap, Ransom & Extortion Expenses (Aggregate
                                              Limit per Insured Event and in any one period of
                                              insurance)                                             GBP250,000
                                   18. Legal Expenses                                      GBP50,000
                                   19. Political and Natural Disaster Evacuation Expenses-
                                       Aggregate Limit per Insured event and in any one
                                       period of insurance                                 GBP50,000
                                   20. Emergency Replacement of Passport, Visa,
                                       Travel Documents or Driving Licence                  GBP1,500

Employees based abroad on secondment (as defined above)

Benefits
                                   1. Death                                                   GBP150,000
                                   2. Loss of one or more limbs                               GBP150,000
                                   3. Loss of sight in one or both eyes                       GBP150,000
                                   4. Loss of speech                                          GBP150,000
                                   5. Loss of hearing in both ears                            GBP150,000
                                   6. Loss of intellectual capacity                           GBP150,000
                                   7. Permanent Total Disablement from usual occupation GBP150,000
                                   8. Other Permanent Disabling Injuries – limits as
                                      detailed in Page 10 of Policy document                  As per Policy
                                   9. Medical & Emergency Repatriation Expenses                  Unlimited
                                   10. Personal Belongings (where the value of any one
                                       article, pair or set exceeds £2,000 Policyholder shall
                                       be responsible for 25% of such excess amount)           GBP10,000
                                   11. Business Equipment ( an excess of £100 applies to
                                       every loss)                                              GBP1,500
                                   12. Money ( where the amount of cash exceeds £2,000
                                       Policyholder will be liable for 25% of such excess
                                       amount)                                                  GBP5,000
                                   13. Financial Card Misuse                                    GBP5,000
                                   14. Cancellation/Curtailment Expenses ( Aggregate limit
                                       per journey / event GBP 250,000)                        GBP10,000
                                   15. Hijack: GBP500 per day, maximum of 100 days.
                                       Excluding Effective Time A.                             GBP25,000
                                   16. Personal Liability:
                                       Limit of Indemnity – any one event                   GBP5,000,000
                                   17. Kidnap, Ransom & Extortion Expenses ( Aggregate
                                       Limit per Insured Event and in any one period of
                                       insurance) – excluding Effective Time A                GBP250,000
                                   18. Legal Expenses                                          GBP50,000
                                   19. Political and Natural Disaster Evacuation Expenses –
                                       Aggregate limit per Insured Event and in any one
                                       period of insurance – excluding Effective Time A        GBP50,000
                                   20. Emergency Replacement of Passport, Visa, Travel
                                       Documents or Driving Licence                            GBP1,500
Accompanying Spouses or partners of Categories 1&2 (including children)

Benefits                              1. Death *                                                   GBP5,000
                                      2. Loss of one or more limbs                               GBP50,000
                                      3. Loss of sight in one or both eyes                       GBP50,000
                                      4. Loss of speech                                          GBP50,000
                                      5. Permanent loss of hearing in both ears                  GBP50,000
                                      6. Loss of intellectual capacity                           GBP50,000
                                      7. Permanent Total Disablement from usual occupation GBP50,000
                                      8. Other Permanent Disabling Injuries – limits as
                                         detailed in Page 10 of Policy Document                 As per Policy
                                      9. Medical and Emergency Repatriation Expenses
                                         (excluding internal UK trips)                             Unlimited
                                      10. Personal Belongings ( where the value of any one
                                          article, pair or set exceeds £2,000 Policyholder shall
                                          be liable for 25% of such excess amount)                GBP10,000
                                      11. Money (where the value of cash exceeds £2,000
                                           Policyholder shall be liable for 25% of such excess
                                           amount)                                                 GBP5,000
                                      12. Financial Card Misuse                                    GBP5,000
                                      13. Cancellation/Curtailment Expenses (Aggregate Limit
                                           per journey / event GBP 250,000)                       GBP10,000
                                      14. Hijack: GBP500 per day – maximum of 100 days            GBP50,000
                                      15. Personal Liability:
                                           Limit of Indemnity – any one event                   GBP5,000,000
                                      16. Kidnap, Ransom & Extortion Expenses ( Aggregate
                                           Limit per Insured Event and in any one period of
                                           insurance)                                            GBP250,000
                                      17. Legal Expenses                                           GBP50,000
                                      18. Political and Natural Disaster Evacuation Expenses-
                                           Aggregate limit per Insured event and in any one period
                                           of insurance                                            GBP50,000
                                      19. Emergency Replacement of Passport, Visa, Travel
                                           Documents or Driving Licence                             GBP1,500

                                      * Death of a Child                                           GBP20,000

NOTE: Benefits for journeys within the UK are less than for overseas trips – please contact the
Insurance Section for further details.

Principal                             The following summarises the principal exclusions applying to your
Exclusions                            policy. This is not a conclusive list and you must refer to your policy
                                      for full details.

                                      Insurers shall not be liable in respect of Bodily Injury, loss, damage or
                                      expense from the Insured person :
         (i) Committing or attempting to commit suicide or intentionally
             inflicting self injury
         (ii) engaging in aviation as a pilot or crew member of an aircraft or
             other aerial device
         (iii) War, whether declared or not in the Insured Person’s Country of
              Domicile
         (iv) Travelling to any country which is or whose armed forces are
              engaged in War within its own borders where that part of a
              journey commences after the outbreak of such War.
         (v) If Bodily injury results from the Insured Person suffering from
              sickness or disease which is not itself the direct result of Bodily
              Injury
         (vi) For Disabilities arising from Repetitive Strain Injury or
              Syndrome, any gradually operating cause or any psychological or
              psychiatric condition.
         (vii) For payment for Permanent Total Disablement in respect of any
               Insured Person is a Child or aged 75 years or over at the date of
               sustaining Bodily injury
         (viii) For payment for Permanent Disabling Injuries other than the
                Loss of one or more limbs and Loss of sight in one or both eyes
                in respect of an Insured Person who has attained the aged of 75.
         (ix) Any expenses incurred where a journey is undertaken against the
              advice of a Qualified Medical Practitioner or where the purpose
              of the journey is to receive medical treatment or advice.
         (x) Any expenses incurred by an Insured person aged 75 years or
              over whilst on a Journey in excess of 30 days duration
         (xi) Any expenses which are recovered from any national insurance
              programme which is applicable to the Insured Person
         (xii) Treatment which in any one way arises from or is attributable to
               any Human Immunodeficiency Virus infection or related
               syndrome unless it can be proved to the satisfaction of Insurers
               that this was contracted as a result of a blood transfusion or other
               medical treatment received for an unrelated injury or illness
               whilst on a journey.
         (xiii) For any kidnap which occurs in Iraq, Mexico, Nigeria,
                 Philippines, Venezuela or Yemen

Limits   a) Retired Persons – Permanent total disablement does not apply.
         b) Aggregate limit per event for Insured Persons whilst travelling in any
            multi-engine aircraft GBP10,000,000
         c)Aggregate limit per event for Insured Person whilst travelling in any
           other aerial device GBP5,000,000
         d) Overall aggregate limit per event GBP 10,000,000
         e) Maximum payment per person GBP 150,000
         f) Death Benefit per child GBP 20,000
         g) Death Benefit – Insured Persons age 75 or over GBP 100,000

								
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