<p>BUPA. HELPING YOU FIND HEALTHY POLICY SUMMARY BUPA TRAVEL INSURANCE Effective from XXXX bupa.co.uk POLICY SUMMARY SINGLE TRIP TRAVEL INSURANCE 1 Insurance provider The insurance is provided by Bupa Insurance Services Limited and underwritten by AIG Europe Limited. Purpose of the insurance The purpose of the travel insurance policy is to provide cover for losses arising as a result of specifi ed events that occur before or during a trip, including: emergency medical expenses, theft or loss of baggage and cancellation. Please read the policy wording for a full description of the terms of the insurance, including the policy defi nitions and refer to the policy for the specifi c policy benefi ts, sums insured and exclusions. This policy summary does not form part of the policy wording and does not contain the full terms of the policy. The full terms of the policy can be found in the policy wording. The cover provided is subject to certain limits and excesses, as set out in the Table of benefi ts (see pages 1 to 4 of this document). Significant features, conditions and exclusions The cover provided is subject to certain terms, conditions and exclusions. The following tables summarise the main features and benefi ts of the cover and the signifi cant terms, conditions and exclusions that apply. To ensure the policy is suitable for you, you are advised to read the Policy Wording which sets out all of the features, conditions and exclusions. TRAVE L IN SURANCE POL ICY SUMMARY Signifi cant features Conditions and exclusions Policy Wording reference Medical and other expenses outside of the United Kingdom The following limits and excesses apply per person, per incident: Essentials cover: Up to £5,000,000 (£200 excess) Deluxe cover: Up to £10,000,000 (£75 excess) Superior cover: Up to £15,000,000 (£60 excess) Platinum cover: Up to £20,000,000 (£50 excess) The cover provided includes: o emergency medical, surgical and hospital treatment and ambulance costs; o additional accommodation and travel expenses if you cannot return to the United Kingdom as scheduled; and o repatriation to the United Kingdom if it is medically necessary. Signifi cant conditions: o If you need inpatient medical treatment, you must contact the Medical Emergency Assistance Company, Travel Guard, immediately on phone number +44 (0) 1273 400 610; and o Additional accommodation and travel expenses and repatriation costs must be approved in advance by Travel Guard. Signifi cant exclusions: o Cover is not provided if: - the claim relates to any heart condition, any circulatory condition, any respiratory condition or any cancerous condition which you knew about when you bought the policy unless the condition has been declared to us and agreed by us in writing; - the claim relates to you having a medical condition for which you are taking prescribed medication or you have seen a hospital specialist or needed inpatient treatment within the last 12 months unless the condition has been declared to us and agreed by us in writing when you bought the policy; - you are travelling against medical advice or with the intention of receiving medical treatment; Page 24, Section B1 Page 18, ‘Medical and other emergencies’ Pages 14 and 15, ‘Health conditions’ Pages 21 and 22, General exclusions, numbers 1 and 23. 2 T RAVE L IN SURANCE POL ICY SUMMARY Signifi cant features Conditions and exclusions Policy Wording reference - you are receiving or waiting for hospital investigation or treatment for any undiagnosed condition or set of symptoms when you buy the policy and/or at the time of commencing travel or you have been given a terminal prognosis; or - the claim relates to pregnancy or childbirth if you are more than 26 weeks pregnant at the start of or during your trip. Cancelling your trip and Cutting your trip short (By paying a reduced premium, cover under section A - Cancelling your trip can be deleted) The following limits and excesses apply per person, per trip: Essentials cover: Up to £2,000 (£100 excess) Deluxe cover: Up to £3,000 (£75 excess) Superior cover: Up to £4,000 (£60 excess) Platinum cover: Up to £6,000 (£50 excess) Cover is provided for loss of travel and accommodation expenses you have paid or have agreed to pay under contract, and which you cannot get back, if it is necessary and unavoidable for you to cancel or cut your trip short for specifi ed reasons, including: o you dying, becoming seriously ill or being injured; and o the death, injury or serious illness of a relative, business associate or a person with whom you have booked to travel, or a relative or friend with whom you plan to stay during your trip. Signifi cant conditions: If it is necessary for you to cut your trip short and return to the United Kingdom, you must contact Travel Guard immediately. Signifi cant exclusions: o Cover is not provided if: - the reason for cancellation or cutting your trip short relates to a medical condition or illness which you knew about when you purchased the policy and which could reasonably be expected to lead to a claim unless declared to us and agreed by us in writing. Pages 23, 25 and 26, Sections A and C Page 18, ‘Medical and other emergencies’ Pages 14 and 15, ‘Health conditions’ Page 21, General exclusions, number 1. 3 Signifi cant features Conditions and exclusions Policy Wording reference Personal belongings and baggage (By paying a reduced premium, cover under this section can be deleted) The following limits and excesses apply per person, per incident (please see the Table of Benefi ts for the limit for any one item/pair or set of items and for valuables and electronic/other equipment): Essentials cover: Up to £1,500 (£100 excess) Deluxe cover: Up to £1,500 (£75 excess) Superior cover: Up to £2,000 (£60 excess) Platinum cover: Up to £3,000 (£50 excess) Cover is provided for loss, theft or damage to personal belongings and baggage owned by you (not borrowed or rented) during your trip. Signifi cant conditions: o In the event of a claim an allowance may be made in respect of wear and tear and loss of value; and o In the event of a claim you must provide receipts or other proof of ownership wherever possible for the items being claimed. Signifi cant exclusions: o Cover is not provided if: - you do not report the loss or theft of belongings or baggage to the police within 24 hours of discovery and do not obtain a written police report; - you leave your belongings or baggage unattended in a public place; - the loss, theft or damage occurs whilst your belongings or baggage are in the custody of the airline or transport company unless you report this to the carrier within 24 hours of discovery and get a written report (a property irregularity report will be required if the loss, theft or damage takes place whilst in the care of an airline); or - the loss, theft or damage to valuables and electronic/other equipment occurs whilst not being carried in your hand luggage while you are travelling on public transport or on an aircraft. - the loss, theft or damage to contact or corneal lenses, sunglasses, prescription glasses or spectacles, dentures, hearing aids, artifi cial limbs, paintings, household equipment, mobile phones, bicycles and their accessories, motor vehicles and their accessories (this would include keys), marine craft and equipment or items of a perishable nature. Pages 28 and 29, Section F1 Page 20, General defi nitions ‘Pair or set of items’ Page 20, General defi nitions ‘Valuables and electronic/other equipment’ 4 T RAVE L IN SURANCE POL ICY SUMMARY Signifi cant features Conditions and exclusions Policy Wording reference Personal money (By paying a reduced premium, cover under this section can be deleted) The following limits and excesses apply per person, per incident (please see the Table of Benefi ts for cash limits for persons 17 years of age or under): Essentials cover: Up to £200 (£125 cash limit, £100 excess) Deluxe cover: Up to £500 (£200 cash limit, £75 excess) Superior cover: Up to £500 (£250 cash limit, £60 excess) Platinum cover: Up to £500 (£350 cash limit, £50 excess) Cover is provided for cash and traveller’s cheques lost or stolen during your trip. Signifi cant conditions: o In the event of a claim, you must be able to provide evidence of ownership and value (for example, receipts, bank statements or cash- withdrawal slips). Signifi cant exclusions: o Cover is not provided if: - you do not report the loss or theft of personal money to the police within 24 hours of discovery and do not obtain a written police report; or - if, at the time of loss or theft, the personal money was not carried with you or held in a locked safety deposit facility. Page 28 Section F3 5 Limitations Policy Wording reference Geographical areas The geographical area which you are entitled to travel to is shown on your policy schedule. No cover is provided under the policy for any trip in, to or through Afghanistan, Cuba, Liberia or Sudan. No cover is provided for claims arising as a direct result of the situation highlighted by the Foreign and Commonwealth Offi ce (FCO) where you have travelled to a specifi c country or to an area where, prior to your trip commencing, the FCO have advised against all (but essential) travel. Page 17, ‘Geographical areas’ and Pages 21 and 22, General exclusions, numbers 4 and 13 Age limits To be eligible for cover all persons must be 89 years of age or under at the date of buying the policy. The person buying the policy must be 18 years of age or over at the date of purchase. Page 16, ‘Age limits’ Residency You and all other insured persons must have your main home in the UK, have a UK National Insurance number (when aged 16 or over) and be registered with a doctor in the UK at the time you buy or renew your policy. Residents of the Isle of Man must have their main home in the Isle of Man and be registered with a local doctor. We do not provide cover to residents of the Channel Islands. Page 15, ‘Residency’ Sports and activities You must contact Bupa Travel Insurance Customer Services by phoning 0845 601 0559 or by e-mailing info@bupa-travel.co.uk if you are planning to participate in a sport or activity during your trip. Please note that if using a two-wheeled motor vehicle as a driver or passenger you must wear a crash helmet and the driver must hold a licence permitting them to drive the two-wheeled motor vehicle under the laws of the country in which they are travelling (if such a licence is required under the laws of that country). Pages 15 and 41, ‘Sports and activities’ and Page 22, General exclusions, number 10 Upgrades By paying an additional premium you are entitled to upgrade your policy to include Winter Sports Cover, Golf Cover, Business Cover, Wedding Cover, Natural Catastrophe Travel Cancellation and Expenses Cover or an Excess Waiver. Please call Bupa Travel Insurance Customer Services on 0845 601 0559 for further details. Page 17, ‘Upgrades’ and Pages 34 to 40, Sections N to X Law and jurisdiction The policy will be governed by English law and you and we agree to submit to the courts of England and Wales to determine any dispute arising under or in connection with it, unless you reside in Scotland, Northern Ireland or the Isle of Man, in which case the law applicable to that jurisdiction will apply and its courts will have exclusive jurisdiction, unless agreed to the contrary by the policyholder and us before the start date of the policy. The terms and conditions of the policy will only be available in English and all communication relating to the policy will be in English. Page 12, 'Law and jurisdiction' 6 T RAVE L IN SURANCE POL ICY SUMMARY Period of insurance Cover for cancellation starts at the time you book the trip or pay the premium, whichever is the later. Cover for cancellation ends as soon as you start your trip. Cover under all other sections starts when you leave your home address in the United Kingdom (but not earlier than 24 hours before the booked departure time) or from the fi rst day of the period of cover as shown on your policy schedule, whichever is the later. Cover ends when you return to your home address in the United Kingdom (but not later than 24 hours after your return to the United Kingdom) or at the end of the period of cover as shown on your policy schedule, whichever is the earlier. If you have arranged a One-Way policy, cover ends 24 hours after you fi rst leave immigration control in your fi nal country of destination or at the end of the period of cover as shown on your policy schedule, whichever is the earlier. Cover cannot start after you have left the United Kingdom. Unless you have bought a One-Way policy, each trip must begin and end in the United Kingdom. You must be 89 years of age or under at the date of buying the policy. If you are between 66 and 89 years of age, travel is restricted to 31 days. The start and end dates of your trip are set out on your policy schedule. ‘Cooling-off’ period and your right to cancel your policy If the cover is not suitable for you and you want to cancel your policy, you must contact Bupa Travel Insurance within 14 days of buying your policy or the date you receive your policy documents. In line with the conditions below we will refund the premium you have paid within 30 days of the date you contact Bupa Travel Insurance to ask to cancel the policy. We will not refund your premium if you have travelled or made a claim before you asked to cancel the policy within the 14-day period. To obtain a refund, please phone 0845 601 0559, email info@bupa-travel.co.uk or write to Bupa Travel Insurance Customer Services Department, Shoreham Airport, Shoreham by Sea, West Sussex BN43 5FF. Claim notification You can make a claim for all sections apart from sections M1 and M2 by contacting: Bupa Travel Insurance Claims, PO Box 60108, London SW20 8US. Phone: 0845 602 7067 Fax: 01273 376 935 E-mail: uk.claims@travelguard.com You can make a claim under section M1 and M2 by contacting: IPP Claims Offi ce, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR. Phone: 020 8776 3752 E-mail: info@ipplondon.co.uk Website: www.ipplondon.co.uk (a claim form may be downloaded from this site) 7 Your right to complain We are committed to providing a fi rst class service at all times, however, we recognise that occasionally you may be unhappy with some aspect of this service. If you are not satisfi ed with the service you have received, you or someone on your behalf should contact one of the following. If your complaint is about a claim under all sections apart from sections M1 and M2, please contact: The Customer Care Manager, Bupa Travel Insurance Claims, Shoreham Airport, Shoreham by Sea, West Sussex BN43 5FF. Phone: 0845 602 7067 E-mail: uk.claims@travelguard.com If your complaint is about a claim under section M1 and M2, please contact: The Claims Manager, IPP Claims Offi ce, IPP House 22-26 Station Road, West Wickham, Kent BR4 0PR. Phone: 020 8776 3752 E-mail: info@ipplondon.co.uk If your complaint is not about a claim, please contact: The Sales and Service Manager, Bupa Travel Insurance, Shoreham Airport, Shoreham by Sea, West Sussex BN43 5FF. Phone: 0845 601 0559 E-mail: info@bupa-travel.co.uk To help us to deal with your comments quickly, please quote your policy schedule/claim number and the policyholder/ insured person’s name. We will acknowledge the complaint within 5 business days of receiving it, keeping you informed of progress and do our best to resolve matters to your satisfaction within 8 weeks. If we are not able to resolve the complaint satisfactorily, you or the complainant may be entitled to refer any disagreement to the Financial Ombudsman Service (FOS) to review the case, without affecting legal rights to take action against us. We will provide full details of how to do this when we provide our fi nal response letter addressing the issues raised. Please note: The FOS will not consider a complaint if you have not provided us with the opportunity to resolve it previously. The address and contact details are: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Phone: 0800 0 234 567 (free for people phoning from a “fi xed line”, i.e. a landline at home) 0300 123 9 123 (free for mobile phone users who pay a monthly charge for calls to numbers starting 01 or 02) E-mail: complaint.info@fi nancial-ombudsman.org.uk Are we covered by the Financial Services Compensation Scheme (FSCS)? AIG Europe Limited are covered by the Financial Services Compensation Scheme (FSCS). If we are unable to meet our fi nancial obligations you may be entitled to compensation from the scheme. Further information about compensation scheme arrangements is available from the FSCS. Please see the policy wording for further details. travel.bupa.co.uk AHT0535B/OCT13 Bupa Travel Insurance is sold by Bupa Insurance Services Limited and underwritten by AIG Europe Limited. Bupa Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA number 312526). AIG Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA number 202628)and the Prudential Regulation Authority. This information can be checked by visiting the Financial Conduct Authority website (www.fca.org.uk). </p>