Az utas-és poggyászbiztosításokról
Most important parts of a Travel insurance are:
Personal possessions
This section only applies if you have paid the relevant premium. This section covers your baggage against loss, theft, breakage or damage while you are away from home. There are limits in this section that may not be enough for expensive items such as jewellery and photographic or video equipment. However, you can usually insure these items separately.
We will pay you up to a total of ……. for your personal possessions if they are damaged, lost, stolen or destroyed while on your journey.
• The single item limit for personal possessions is ………
• The total limit for all your valuables is also ……..
Conditions
• You must keep your tickets and luggage tags and report any loss or theft within 24 hours to the police or to carriers if the loss or damage has happened during the journey. You must also get a police report form within 7 days.
• You must comply with the carrier’s conditions of carriage.
• You must not abandon any property to us.
Exclusions
We will not pay for loss, theft, breakage or damage to:
• valuables carried in suitcases or other luggage unless they are with you at all times;
• valuables which are not with you, locked in your personal accommodation or stored in a locked safety deposit box or locked safe;
• valuables left in an unattended motor vehicle;
• personal possessions which you have left unattended, unless they are locked in your personal accommodation or the secure area of a motor vehicle and there is evidence of someone using force to break in;
• films, tapes, cassettes, cartridges or discs that you have used/recorded on, other than for their value as unused material;
• sports equipment in use;
We will not pay for cracked, scratched or broken glass (other than lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile items.
Emergency medical and travel expenses abroad
This section only applies if you have paid the relevant premium. This section allows you to receive essential emergency medical treatment if you fall ill or are injured in an accident while you are abroad. You can then either continue with your journey or, if medically necessary, be brought back to your home for further medical treatment.
We will pay costs of up to ………. for continuous medical and travel expenses incurred abroad that are necessary for up to 12 months as a result of you becoming physically ill or injured. We will pay for the following costs:
1. usual, reasonable and necessary emergency expenses for medical, surgical and hospital
charges (including emergency dental treatment to relieve immediate pain);
2. returning you to your home
3. economy travel and accommodation expenses of up to ………. for one person, who is a resident of the UK, to stay with or travel to and stay with you;
4. a daily allowance of ……… a day for meals, phone calls and travel after you are discharged from hospital and before we bring you back home.
5. up to …….. for funeral expenses abroad or for the extra costs of returning your remains to your home in the UK. You must provide us with valid receipts for both 3 and 4 above.
Conditions
• You must not be travelling against medical advice or specifically to get medical treatment.
• You must not have been diagnosed with a terminal illness before travelling.
• You must not be waiting for medical treatment as a hospital inpatient or day-patient before the issue of this policy unless we know about it and have accepted it in writing.
• You must accept our decisions about the most suitable, practical and reasonable solutions to any medical emergency.
Exclusions
We will not pay for any claim directly or indirectly resulting from:
• non-emergency treatment, tests or surgery that is not directly related to the illness or injury which causes you to go into hospital;
• surgery or medical treatment that our medical advisor believes is not essential and could wait until you return
• pregnancy during the 12 weeks immediately before your estimated date of delivery or the first 7 days after giving birth;
• the extra cost of single or private accommodation in a hospital or clinic;
• medication which you need at the time of your departure and which you know you will have to continue abroad;
• the failure of the medical service provider to supply any necessary treatment;
• your failure to obtain necessary emergency treatment.
Káresemény bejelentése betegség miatt a biztosítótársaságnál
- Hello, my insurance is with your company, here are the documents. My wife got sick and had to go to the doctor yesterday. She has some kind of an infection and the doctor prescribed medicines that she has to take. I have paid for these bills, but they are supposed to be covered by the insurance – as far as I know.
- Let me see. Yes, you are right, sir, our company will cover these expenses. Please fill out this form and attach every document that you have including invoices.
- How do I get the money back? In cash or can I give you my bank account details and can you transfer it there?
- Whichever is more convenient for you.
- Please send it to my bank account, here is my number.
- Thank you, it takes about 2 weeks. I hope your wife will get better soon.
Káresemény bejelentése lopás miatt a rendőrségen
- Good morning, I came to report a theft. My camera was stolen this morning on the bus. Is this the right place? The nearest police station?
- Yes, it is, come in. We will have to fill in a report form about the facts and details of the theft and about the stolen camera. Do you have any documents, or invoice, or anything that can help us to identify it?
- Yes, luckily, I have the invoice, because it is quite new and it still has a valid guarantee card, product type and serial number, price, etc. are on it, here you are.
- Okay, we make a copy of the invoice to attach to the documentation. Now, please fill in this form. There are questions about when, where and what exactly happened. Please try to answer them as correct as possible. Also, the precise data of the stolen camera has to be given. Please sit down there, take your time, and when you are finished, bring it back to me.
- Yes, I see. What will happen then?
- I will register the case in the computer and give you an official report about it. With that you can arrange your insurance, if you have it. We will let you know if we find it, but to tell you the truth, there isn’t too much chance for that. You really have to be careful on crowded public transport especially!
- I will, I promise! I go fill in this form and come back in 10 minutes.
- Thank you, I will be here for you.
21. századi közoktatás - fejlesztés, koordináció (TÁMOP-3.1.1-08/1-2008-0002)
