GENERAL POLICY CONDITIONS
The purpose of these general conditions is to define the terms and conditions of application of the travel assistance cover specified
below issued by UAP Old Mutual Insurance Uganda Limited (the " General Conditions").
1. DEFINITIONS
For the application of these General Conditions, the following words or expressions have the meanings specified against them:
Abroad: Any country outside of Uganda, on a worldwide basis or within the geographical scope insured by the Policy.
Accident: Any sudden, unforeseeable and violent event taking place Abroad, external to the victim and beyond his/her control, the
nature of which may endanger the Beneficiary’s life or may briefly cause a significant deterioration in his/her condition if the
appropriate care is not given quickly to him/her.
Assistance Company: the service provider appointed by the Insurer in order to provide the coverages of the Policy
Beneficiary: individuals less than 75 years old when assistance is asked for, resident in Uganda, who is the holder of a Policy
subscribed with the Insurer or designated as the insured person under a Policy.
- For the “Student Plan”, the Beneficiary must be between 0 and 30 years old,
- For the “Senior Plan”, the Beneficiary must be between 76 and 85 years old.
- For the “Incoming Plan”, the Beneficiary must be less than 75 years old when assistance is asked for and must not be
resident in Uganda.
Close Relative: The spouse of the Beneficiary, their children who are less than 18 years old when assistance is asked for, and also
their immediate ascendants at first degree, resident in Uganda.
Country of Residence: Uganda (The country where the policy is taken out, in which the Beneficiary’s address is situated).
Deductible/Excess: Part of damage which remains borne by the Beneficiary.
Dollar: Currency that is legal tender in the United States of America.
East Africa: Kenya, Tanzania, Rwanda, Burundi, Ethiopia, South Sudan, Djibouti, Eritrea, and Somalia.
Force majeure: Including but not limited to a failure to manage a claim resulting from war, disaster, embargo, civil riot, serious bad
weather, epidemic, epidemic risks, pandemic, pandemic risks, blocking of the means of transport and supply whatever the reason,
earthquake, fire, storm, flood, government or legal restrictions, statutory or regulatory changes in marketing forms and in all other
cases where the Insurer and/or the Assistance Company are unable to perform all or any of their obligations due to the occurrence
of events that are beyond their control.
Hospitalization: Any unexpected stay of at least 24 consecutive hours in a public or private establishment when the purpose of that
stay is medical or surgical treatment following an Accident or Illness.
The stay is considered unforeseen when it has not been scheduled more than five (5) days prior to the hospitalization.
Illness: Any sudden, serious and unforeseeable change in health conditions, as observed by a competent Medical Authority and the
nature of which may endanger the patient’s life or may briefly cause a significant deterioration in his/her condition if the appropriate
care is not given quickly to him/her.
Insurer: UAP - OLD MUTUAL INSURANCE UGANDA LIMITED - P.O Box 7601 – Kampala - Uganda. Registration No. IN/020/2017.
Medical Authority: Any person with a valid diploma in medicine or surgery in the country where the Beneficiary is located, attending the Beneficiary.
Travel Agreement
Medical Team: A group of persons tailored to each specific case as defined by the Assistance Company’s supervising physician and relying on the support of the Assistance Company’s infrastructure and international network.
Medical Transportation/Transfer: Transportation/Transfer of the Beneficiary in accordance with his/her medical condition, decided by the Medical Team.
Period of insurance: The period that commences and ends on the dates stated on the certificate of the policy contracted.
Policy: Travel cover insurance policy, currently valid, issued by UAP Old Mutual Insurance Uganda Limited.
Schengen Area: Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy,
Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden
and Switzerland.
Sinister: Any event requiring the assistance of the Assistance Company.
CONDITIONS FOR APPLICATION OF THE COVERAGES
2. VALIDITY OF THE COVERAGES
Travel assistance coverages are valid outside of Uganda for the period of validity of the Policy; they only apply from the first (1st) day
of travel Abroad to the ninety-second (92nd) consecutive travel day, even if the Policy was subscribed for a longer period.
For durations of 6 months (semi-annual) and 12 months (annual), the covers only apply from the first (1st) day of travel abroad to
the ninety-second (92nd) consecutive travel day per trip.
For Student Cover – the duration of the trip can be up to a maximum of 180 consecutive days.
The coverage of the Policy shall not be extended after the start of the covered trip.
3. TERRITORY
Covers are granted for Beneficiaries holding a Policy in the geographical areas defined below
RETAIL
• BUSINESS Plan - Worldwide
• SILVER Plan - Worldwide
• SCHENGEN Plan - Schengen Area
• STUDENT Plan - Worldwide
• SENIOR Plan - Worldwide
• INCOMING Plan - Uganda
• EAST AFRICA Plan - East Africa
CORPORATE
• GOLD Plan - Worldwide
• SILVER Plan - Worldwide
• BRONZE Plan - Worldwide
BENEFITS SCHEDULE RETAIL
BENEFITS SCHEDULE - CORPORATE
ASSISTANCE TO PERSONS
Only the Assistance Company has the authority to arrange the service provisions associated with the coverages below.
If the Beneficiary or his/her family circle arranges for all or part of the service provisions insured by the Policy and/or any
commitment to expenses without the Assistance Company’s prior agreement, substantiated by a case number, he/she and/or
they are not entitled to reimbursement, except as provided by the policy terms and conditions and/or in case of force majeure.
The procedures and formalities associated with visa applications, for transfers to a third country, are solely the responsibility of
the Beneficiary or of any person acting instead and in place of him/her.
The procedures and formalities associated with continuing, in Uganda, with a treatment started Abroad are solely the
responsibility of the Beneficiary or of any person acting instead and in place of him/her.
1.MEDICAL TRANSPORTATION / TRANSFER
1.1Medical assistance
In case of Accident or Illness, the Medical Team, as soon as it is informed:
- elaborate with the usual physician and the physician who dealt with first cares and/or the Medical Authority who is taking care
of the person for the operation;
- decide the best decisions to be taken with regards to the medical state of the person.
Decisions of the Medical Team may lead to the implementation of various covers below. The non-justified refusal of those decisions
by the Beneficiary may lead to the withdrawal of the cover.
1.2Sending Abroad of a physician near the Beneficiary
Depending on the circumstances, the Medical Team may decide to send a physician near the Beneficiary in order to decide whether
an eventual repatriation is necessary and to deal with it.
The Assistance Company shall bear the costs of transportation and examination of the concerned assigned physician.
1.3Medical transportation
The Assistance Company shall deal with and bear the cost concerning the medical transportation of the Beneficiary depending on
his/her medical state:
- in a hospital with better services to deal with the medical state of the insured;
- in a hospital nearest to his/her home;
- up to his/her home.
In the event of transportation to a hospital, the Assistance Company shall deal with the reservation of a bed in the chosen hospital.
As an exception to the General Exclusions related to epidemics and/or pandemics declared by the World Health Organization, the
Beneficiary is covered under the same terms if he/she falls ill with an infectious disease during the trip.
NOTE: The Assistance Company cannot act as a substitute for local, national or international emergency help or search
organisations and does not pay for the expenses incurred because of their intervention. Thus, the Assistance Company shall
not pay for the transportation from the place where the Accident or Illness occurred to a medical facility.
1.4Common provisions:
1) Transportation is carried out by ambulance, train or regular service airline. If transportation is medically impossible by airline, or
by any other means decided on by the Medical Team, an air ambulance is provided.
Under no circumstances shall transatlantic or transpacific flights be arranged by air ambulance.
2) If the ticket held by the Beneficiary cannot be used for the Medical Transfer managed by the Assistance Company, the Beneficiary
shall relieve this non-used ticket to the Assistance Company or reverse any refund obtained from the carrier.
3) The Assistance Company shall find a bed in an appropriate medical facility according to its Medical Team recommendation or
agreement.
4) In all cases, the final decision regarding transportation, place of hospitalisation, date, need for the Beneficiary to be accompanied
and methods used shall be taken exclusively by the Medical Team. Should the Beneficiary refuse the decision of the Medical
Team, he/she will be no more entitled to claim for any coverages nor any refund under this Policy.
5) In all cases, the Assistance Company reserves the right to engage a competent Medical Authority who shall require unencumbered
access to the Beneficiary’s medical file and to examine the Beneficiary himself/herself in order to assess the appropriateness of
Medical Transportation.
6) In all cases the Beneficiary’s luggage – excluding essential personal effects – shall remain the responsibility of the Beneficiary or
of a Close Relative.
2.EMERGENCY MEDICAL AND RELATED EXPENSES
In the event of Accident or Illness during the trip, the Assistance Company shall pay directly to the concerned hospital urgent medical
and hospital costs incurred by the Beneficiary because of an emergency medical condition.
The Assistance Company shall bear urgent medical and hospital costs up to the maximum amount as specified in the Benefits
Schedule.
The implementation of this cover is subject to the prior approval of the Assistance Company, unless in case of force majeure or if
the Beneficiary is unconscious or unable to contact the Assistance Company on medical grounds or he/she is medically
incapacitated.
As an exception to the General Exclusions related to epidemics and/or pandemics declared by the World Health Organization, the
Beneficiary is covered under the same terms if he/she falls ill with an infectious disease during the trip, except in the cases referred
to in Specific exclusions hereafter.
Specific exclusions:
In addition to the General Exclusions, are not covered urgent medicines costs when the Beneficiary:
• has travelled to/from a country, specific area or event where a regulatory authority has advised against all travel;
• failed to obtain any recommended vaccines, inoculations or medications prior to his/her trip.
3.PRE-EXISTING MEDICAL EXPENSES
In the event of Accident or Illness during the trip following pre-existing conditions, the Assistance Company shall pay directly to the
concerned hospital urgent medical and hospital costs incurred by the Beneficiary because of a medical prescription.
The Assistance Company shall bear urgent medical and hospital costs up to the maximum amount as specified in the Benefits
Schedule.
The implementation of this cover is subject to the prior approval of the Assistance Company, unless in case of force majeure or if
the Beneficiary is unconscious or unable to contact the Assistance Company on medical grounds or he/she is medically
incapacitated.
4.COMPASSIONATE EMERGENCY VISIT
If the Beneficiary is hospitalised abroad for a period greater than ten (10) consecutive days, occurring whilst he/she was travelling
alone Abroad, the Assistance Company will arrange the travel of a Close Relative of legal age and pay for a return ticket from Uganda
(1st class by train or economy class airline) to allow the Close Relative to go to their bedside.
The Assistance Company can arrange and pay for the return ticket and the accommodation expenses (bed and breakfast only) as
soon as the duration of hospitalization is known to be above ten (10) consecutive days.
5.FOLLOW UP TREATMENT IN UGANDA
If a Beneficiary incurs Follow up Treatment in Uganda for an Illness or Accident; or optical or dental condition arising from Accident;
which was first treated outside his Country of Residence, the Assistance Company will pay the Beneficiary for those expenses provided
such Medical Expenses are incurred within 30 days of his return to the Point of Departure and provided such expenses are not
recoverable by or on his behalf from any other source.
6.DAILY HOSPITAL CASH BENEFIT
If the Beneficiary is hospitalized Abroad, the Assistance Company will pay for confinement as a result of Accident or Illness whilst on
an International Journey.
The Assistance Company will pay for each complete day of confinement as per the limit in the Benefits Schedule.
Confinement means confinement to a hospital as a resident in-patient for a period which is necessary for the diagnosis or treatment
of any Accident or Illness.
7.EMERGENCY DENTAL EXPENSES
The Assistance Company guarantees the payment of urgent dental fees up to the maximum amount as specified in the Benefits
Schedule.
Fillings and false teeth are excluded from this cover.
The implementation of this cover is subject to the prior approval of the Assistance Company.
8.EMERGENCY OPTICAL EXPENSES
The Assistance Company guarantees the payment of urgent optical fees provided by a medical practitioner or optician up to the
maximum amount as specified in the Benefits Schedule.
The implementation of the cover is subject to the prior approval of the Assistance Company.
9.ACCIDENT
In order to obtain payment of the Insured sum, the Beneficiaries should furnish the following documents: Beneficiary’s birth
9.1 Accidental Death
certificate and death certificate. They shall also prove necessary to present the a Grant of Probate of written will or Letters of
administration of the deceased’s estate If required, a Letter of payment or declaration of exemption from Inheritance Tax, duly
issued by the corresponding Tax Delegation or local equivalent Authority will be provided.
9.2 Permanent Total Disability
Where an accident should lead to the permanent total disablement of the Beneficiary, the Beneficiary shall be indemnified by the
Assistance Company up to the maximum amount as specified in the Benefits Schedule.
9.3 Modalities for implementation of the cover
The Beneficiary or one of their assignees, shall declare the claim within thirty (30) days of the date of the death or the Accident.
The declaration shall include the following elements:
- The names and surnames of the responsible third party and any witnesses,
- The number of the Policy,
- Any document necessary to understand the facts, the nature, the circumstance, the place and the date of the event,
- A copy of the Beneficiary’s birth certificate,
- A copy of the identity document certifying the status of the assignee,
- The final notification of the attribution of an invalidity pension,
- The Hospitalization report and the medical certificate including the date of the first medical act, the description of the
injuries and cares, as well as the consequences that may follow.
The Beneficiary shall send any document that would be of interest to the claim. In addition to these documents, the Assistance
Company reserves the right to request any additional documents deemed necessary. Any declaration that does not comply with
the provisions of this cover will void this warranty.
9.4 Specific Exclusions
In addition to the General Exclusions, the consequences originated or produced by the following are not covered:
- Bad faith on the part of the Beneficiary or those intentionally caused by the same, except where the damage was
sustained in order to avoid something worse.
- Wars, with or without prior declaration, and any conflicts or international interventions using force or duress. Events
arising from terrorism, mutiny or crowd disturbances. As well as damage caused during the course of strikes.
- Events of actions of the Armed Forces or Security Forces in peacetime.
- Extraordinary natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclonic storms,
falling objects from space and aerolites, and in general any extraordinary atmospheric, meteorological, seismic or
geological phenomenon.
- Fall of sidereal bodies and meteorites,
- Those derived from radioactive nuclear energy,
- Those caused when the Beneficiary takes part in bets, challenges or brawls, except in the case of legitimate defense or
necessity,
- Accidents caused by the Beneficiary’s participation in criminal acts, or as a result of his/her fraudulent, seriously
negligent or reckless actions.
- Accidents suffered as a result of being inebriated or under the effect of drugs, toxics or narcotics. Inebriation shall be
taken to mean when the blood alcohol level is greater than 0, 50 grams per 1.000 cubic centimeters, or the Beneficiary
is fined or convicted for this cause.
- Intoxication or poisoning from the consumption of foodstuff.
- Injuries that are a consequence of surgical operations or medical treatments not brought about by an accident covered
by the policy.
- Illnesses of any kind, fainting fits, syncope, strokes, epilepsy or epileptiforms and caused by any kind of loss of
consciousness as a result of an accident as the latter is defined in the definitions of these general conditions.
The consequences of accident that occurred prior to the coming into force of this insurance are also excluded, despite the fact that
they become apparent during its lifetime, as well as the consequences or after-effects of an accident covered which become
apparent after the three hundred and sixty-five days subsequent to the date on which it occurred.
The consequences of the following are excluded from the guarantee object of this contract:
- Engaging in the following sports: motor racing or motorcycle racing in any of its modes, big game hunting, underwater
diving using artificial lung, navigation in international waters in craft not intended for the public transport of passengers,
horse riding, climbing, pot holing, boxing, wrestling in any of its modes, martial arts, parachuting, hot air ballooning, free
falling, gliding and, in general, any sport or recreational activity that is notoriously dangerous.
- Participation in competitions or tournaments organized by sporting federations or similar organizations.
- The use, as a passenger or crew, of means of air navigation not authorized for the public transport of travelers, as well
as helicopters.
- Accidents due to a physical or manual risk activity (paid or not) such as: use of machinery, loading and unloading, work
in heights/levelling or confined locations, assembly of machinery, undertaking work on floating or underwater/sub-
aquatic platforms, mines or quarries, use of chemical substances, laboratories of any kind, and any other dangerous
activities.
Accidents in Iraq, Somalia, Afghanistan, Syria and North Korea are also excluded.
10.REPATRIATION OF CHILDREN
In the event of Accident or Illness or death of the Beneficiary and in the absence, in situ, of a Close Relative of legal age, the Assistance
Company arranges for the return home of his/her children who are less than 15 years old, traveling with him/her and who are also
Beneficiaries.
These children are accompanied either by a relation duly designated and authorised by the Beneficiary or one or his/her legal
successors, or, failing that, a qualified staff member provided by the Assistance Company.
The Assistance Company arranges and pays for the economy class return airline ticket of that accompanying person, their on-site
hotel expenses (bed and breakfast only) up to the maximum amount as specified in the Benefits Schedule, and also the fees and
travel expenses of the qualified staff member, if necessary.
A one-way ticket for the children is also paid for provided that the tickets or means initially scheduled for their return cannot be used
or modified.
If the ticket held by the children cannot be used for return home in Uganda, the Beneficiary shall relieve this non-used ticket to the
Assistance Company or reverse any refund obtained from the carrier.
The parents of the child holding a non-used nor modifiable travel ticket have to comply with the necessary steps for obtaining the
reimbursement of the said travel ticket from the issuer of this ticket and have to justify their actions to the Assistance Company. Any
eventual sum so received shall be reversed to the Assistance Company.
11.REPATRIATION OF TRAVEL COMPANION
In the event of medical transfer of the Beneficiary, the Assistance Company shall arrange the return to the home of Close Relatives
holding each their own Policy subscribed with UAP Uganda and travelling with the Beneficiary.
The Assistance Company shall bear the cost for a one-way ticket by airplane in economy class, if initial tickets cannot be used or
modified.
In this case, the holder a non-used nor modifiable travel ticket have to comply with the necessary steps for obtaining the
reimbursement of the said travel ticket from the issuer of this ticket and have to justify his/her actions to the Assistance Company.
Any eventual sum so received shall be deducted from any sum to be paid by the Assistance Company or reversed to the Assistance
Company up to the sum guaranteed by the Assistance Company.
12.BURIAL, CREMATION OR REPATRIATION OF MORTAL REMAINS (BODY AND ASHES)
In the event of the Beneficiary’s death Abroad, the Assistance Company arranges and pays for the transportation of the body or ashes
from the site where the deceased is laid to the nearest international airport to the burial site in Uganda.
The Assistance Company pays for the transportation expenses and also the related expenses up to the maximum amount as specified
in the Benefits Schedule.
As an exception to the General Exclusions related to epidemics and/or pandemics declared by the World Health Organization, the
Beneficiary is covered under the same terms if he/she falls ill with an infectious disease during the trip.
In addition to the General Exclusions, are not covered the funeral, ceremony, funeral procession, burial or incineration
expenses within the Country of Residence
The Assistance Company alone is responsible for choosing the companies to be involved in the repatriation process.
13.TRAVEL DELAY
13.1Purpose of the guarantee
The Assistance Company warrants to indemnify the Beneficiary for unforeseen expenses he/she had to incur due to a flight delay of
more than twelve (12) hours from the departure or arrival time given to its title transport.
"Expenses" mean costs incurred by the Beneficiary in situ for their meals and refreshments, hotel accommodation and local transfers
to and from the airport to the hotel.
This guarantee shall come into force in addition to sums received from the concerned airline company or from any other body that
the Beneficiary shall disclose to the Assistance Company. The Beneficiary shall not receive sums before justifying having claimed
for indemnities to any possible liable entity and for an amount corresponding to the real suffered damages.
Any indemnity shall be granted only in the following circumstances:
• late departure of a scheduled flight carried out by an airline company, which flights are published;
• late arrival of regular airline flight, which flights are published, preventing the Beneficiary traveling on this flight to take the
regular connecting flight.
In case of dispute, the site www.oag.com is considered as the reference website to determine the flights time and of connecting
flights.
13.2Amount of the indemnity
The Assistance Company shall reimburse hotel expenses (bed and breakfast only) up the maximum amount as specified in the Benefits
Schedule.
13.3Specific Exclusions
Delays or late arrivals because of events excluded as part of General Exclusions shall not give rise to any indemnity.
In addition to those General Exclusions, no indemnity shall be granted in the following circumstances:
• Any delay on non-regular airline company (e.g., charter company)
• Any delay or late arrival below twelve (12) hours with regards to the initial published arrival time;
• Any delay or late arrival due to a temporary or permanent withdrawal of an aircraft, which has been ordered:
- by the airport authorities, or
- by the civil aviation authorities, or
- by a similar body,
and/or has been announced prior to the departure day of the trip of the Beneficiary;
• If a similar means of transport has been made available to the Beneficiary within four (4) hours of the original departure time
(or arrival in the case of a connecting flight) of the scheduled flight on which the reservation was recorded.
13.4Conditions of implementation
Within five business days further to this event, the Beneficiary or their assignees shall contact and inform the Assistance Company
service of claims:
• By mail: gestion.assurances@axa-assistance.com
• By fax: +33 (0)1 55 92 40 41,
• By phone: +33 (0)1 49 65 25 61,
• By registered letter with acknowledgement of receipt.
Statement of delay shall disclose the following information:
• Surname and last name of the Beneficiary
• Number of the Policy
• Number of the general terms of the Policy: 0803511
• Name of the travel agency
• Date of departure and arrival of the trip
• Cause of the delay
Should the five (5) day period be not respected and should the Assistance Company incur any damages because of late filing, the
Beneficiary shall lose their right to indemnity.
The Beneficiary or their assignees shall then communicate to the Assistance Company, directly or through his/her travel agency, the
following documents:
• statement of the airline company mentioning the cause of the delay, the number of the flight, initial scheduled arrival time and
actual arrival time
• copy of the travel ticket
• copy of the boarding pass
• notice of compensation granted by the concerned airline
• the original invoices of expenses incurred because of the delay.
The Assistance Company reserves the right, if need be, to request additional documents to the Beneficiary.
The benefit of this guarantee cannot be combined with the guarantee described in Clause 21 "Luggage Delay".
14.LEGAL EXPENSES
Following an involuntary breach Abroad of the laws and regulations in force, which is not qualified as criminal act according to the
local law, which the Beneficiary might commit and if a legal action is initiated against him/her in this country, the Beneficiary may
request, in writing, for the assistance of the Assistance Company.
The coverages provided below do not apply for events in relation to the Beneficiary’s business activity.
The expenses, at the location, of a lawyer involved in the defence of the Beneficiary shall be reimbursed by the Assistance Company,
up to the maximum amount as specified in the Benefits Schedule.
15.CANCELLATION OR CURTAILMENT
15.1What is covered
The Assistance Company will pay, up to the sum insured as specified in the Benefits Schedule per trip for all Beneficiaries, for all non-
recoverable deposits, advance payments and other charges paid or due to be paid by or on behalf of the Beneficiary for travel and
accommodation and also for reasonable and necessary extra travel or accommodation expenses for return to the Beneficiary’s
Country of Residence in the event of a covered trip being reasonable and necessarily cancelled or curtailed because of:
- The death, body injury, Illness or complication of pregnancy of:
o the Beneficiary, or any person with whom he/she is travelling or has arranged to travel with, or any person with
whom he/she has arranged to reside temporarily,
o a Beneficiary’s Close relative,
o the Beneficiary’s business associate.
As an exception to the General Exclusions related to epidemics and/or pandemics declared by the World Health Organization, the
Beneficiary is covered under the same terms if before travelling:
o the Beneficiary falls ill at Home with an infectious disease and cannot travel;
o the Beneficiary or a Close Relative has to self-isolate at Home because of an infectious disease and cannot travel
Abroad (subject to medical certification);
o the Beneficiary has been denied boarding at airport due to detected symptoms of an infectious disease.
- The destination the Beneficiary is travelling is subject to travel restrictions by Ministry of foreign affairs, or denial of entry
by the local authorities, or is required to quarantine upon arrival (or upon return Home);
As an exception to the General Exclusions related to epidemics and/or pandemics declared by the World Health Organization, the
Beneficiary is covered under the same terms if during the trip, travel restrictions are imposed asking to the Beneficiary to return at
Home due to a pandemic illness.
- jury service attendance or being called as a witness at a Court of Law of the Beneficiary or any person with whom he/she
is travelling or has arranged to travel with;
- redundancy which qualifies for payment under the current redundancy payment legislation in the Country of Residence
and at the time of booking the trip there was no reason to believe anyone would be made redundant of the Beneficiary or
any person with whom he/she is travelling or has arranged to travel with.
- the withdrawal of leave for members of the Armed Forces, Police, Fire, Nursing or Ambulance Services or employees of a
Government Department, provided that such cancellation or curtailment could not reasonably have been expected at the
time of receiving these benefits or booking the trip (whichever is the later).
- the Police requesting the Beneficiary, within seven (7) days of his/her departure date, to remain at or subsequently return
to his/her home due to serious damage to his/her home caused by fire, aircraft, explosion, storm, subsidence, malicious
person or theft.
15.2Specific conditions
- The Beneficiary must obtain a medical certificate from his/her treating medical practitioner and prior approval of the
Assistance Company to confirm the necessity to return Home prior to curtailment of the trip due to death, body injury or
illness.
- If the Beneficiary delays or fails to notify the travel agent, tour operator or provider of transport/accommodation, at the
time it is found necessary to cancel the trip, the Assistance Company’s liability shall be restricted to the cancellation charges
that would have applied had failure or delay occurred,
- If the Beneficiary cancels the trip due to body injury or illness, he/she must provide a medical certificate form the medical
practitioner treating the injured person, stating that this necessarily and reasonable prevented him/her from travelling,
- In the case of curtailment, claims will be calculated from the day the Beneficiary returned to his/her Country of Residence
or the day he/she was admitted to hospital or confined to his/her accommodation, and bases on the number of complete
days of his/her trip he/she has not used or which he/she was hospitalized, quarantined or confined to his/her
accommodation.
15.3Specific exclusions
In addition to the General Exclusions, are not covered:
- pre-existing medical conditions predating the first subscription of the Policy and having given rise to a consultation,
hospitalisation or other medical treatment within the six (6) months prior to the request for assistance;
- the excess specified in the Benefits Schedule applied per claim and per Beneficiary;
- the cost of recoverable airport charges and levies;
- any claim arising directly or indirectly from redundancy caused by or resulting from misconduct leading to dismissal or from
resignation or voluntary redundancy or where a warning or notification of redundancy was given prior to the date these
benefits became effective or the time of booking any trip (whichever is the earlier);
- any claim arising directly or indirectly from circumstances known by the Beneficiary prior to the date these benefits became
effective or the time of booking any trip (whichever is the earlier) which could reasonably have been expected to give rise to
cancellation or curtailment of the trip;
- travel tickets paid for using any airline mileage reward scheme, for example Air Miles or any card bonus point schemes;
- accommodation costs paid for using any timeshare, Holiday Property Bond or other holiday points scheme;
- normal pregnancy from the 26th week;
- failure to obtain the required passport or visa;
- any unused or additional costs incurred by the Beneficiary which are recoverable from the providers of the accommodation,
their booking agents, travel agent or other compensation scheme;
- any unused or additional costs incurred by the Beneficiary which are recoverable from the providers of the transportation,
their booking agents, travel agent, compensation scheme or financial protection scheme (such as but not limited to Air Travel
Organisers' Licensing);
- any unused or additional costs incurred by the Beneficiary which are recoverable from the Beneficiary’s credit or debit card
provider or PayPal;
- any claim arising from a reason not listed in the 'What is covered' section (clause 15.1 above);
- any claim where the Beneficiary cannot travel or chooses not to travel because of Government or regulatory authority
restrictions or advices relating to a pandemic declared by the World Health Organisation.
16.CONSULAR REFERRALS
If the Beneficiary asks for, the Assistance Company will provide the Beneficiary with the details of the representative of the relevant
consulate.
17.EMERGENCY ACCOMMODATION & TRAVEL
If the Beneficiary asks for, the Assistance Company will provide the Beneficiary all reasonable, possible and practicable assistance in
arranging emergency alternative transportation and accommodation abroad.
18.TRANSMISSION OF URGENT MESSAGES
If the Beneficiary is unable to send an urgent message and if he/she specifically asks for it, the Assistance Company sends the
messages or news coming from the Beneficiary to a Close Relative free of charge, by the quickest means.
The Assistance Company shall send urgent messages only if they are related to Illness, Accident or death of the Beneficiary.
The Assistance Company can also act as an intermediary in the opposite direction.
The messages are the responsibility of their authors who must be able to be identified and are only binding on them, with the
Assistance Company only acting as an intermediary for them to be sent.
19.DELIVERY OF MEDICINES
If it is impossible to find, in situ, the medicines or their equivalent prescribed, before departure, by the treating doctor in Uganda
which are essential for the continuation of the treatment, the Assistance Company searches for them.
If they are available, the Assistance Company deals with their shipping as quickly as possible, subject to local legal constraints and
the transportation resources available.
This cover is valid for one-off requests. Under no circumstances may it be granted in respect of long-lasting treatments which
would need regular shipments or in respect of a vaccination request.
The Assistance Company shall bear the cost of shipping.
Cost of the drugs and eventual customs expenses shall be borne by the Beneficiary, who undertakes to reimburse the Assistance
Company within a period of 30 (thirty) days of the date on which the invoice was sent.
20.BAGGAGE, PERSONAL EFFECT
The Assistance Company will pay the non-recoverable cost of replacing the Beneficiary’s travel documents (travel tickets, passports
and visas), credit card, travellers’ cheques should they be lost, stolen or damaged.
The Assistance Company will pay for the Beneficiary’s loss of bank or currency notes, cheques, postal of money orders or other
negotiable instruments as a result of theft during his trip. In respect of money secured for the purpose of the trip, cover shall
commence at the time of collection from the bank or 72 hours prior to the start of the trip, whichever occurs first, and shall
continue for 72 hours after termination of the trip or until deposited at the bank, whichever occurs first.
The Assistance Company will pay for the accidental loss of, theft or damage to the Beneficiary’s accompanying baggage, personal
effects, portable business equipment (including computers and cellular phones) and business property (including Trade samples) that
occurred during the trip.
Trade samples refer to goods which the Beneficiary is carrying:
- For the purpose of being shown or demonstrated to clients and to solicit orders for goods to be supplied,
- By a manufacturer for the purposes of copying, testing or experimenting before producing these goods.
Trade samples must also not be sold, consumed, put to normal use, or used in any way for hire or reward.
20.1Sum insured
The maximum amount the Assistance Company will pay for any one item, set or pair of items, is 25% of the sum insured or the
amount stated in the Benefits Schedule, whichever is low, unless otherwise specified in the specific conditions relating to this section.
A deductible of US$ 150 shall be applied with respect to all
trade sample and shall be payable by the assistance company up to the Maximum Specified in the Benefits Schedule. Money kept in
luggage shall be payable to the maximum amount stated in the policy schedule.
20.2Specific conditions
- It is a condition of payment that loss or damage attributable to theft, vandalism or loss or damage by carriers be reported
to the local police or appropriate authority as soon as possible after discovery of the loss and that a written
acknowledgement of the report be obtained.
- A camera and/or video camera, its lenses and accessories shall be regarded as one item.
- The repair or replacement cost of a cellular phone and any fittings or accessories (all deemed to be a single item) shall be
limited to 25% of the phone value or the benefit stated in the policy whichever is lower per beneficiary.
- A laptop, palmtop, notebook or similar personal computer, and any fittings or accessories including discs/storage
mechanisms/carry cases, shall be deemed to be a single item and the repair or replacement cost shall be limited to 25% of
the actual value or of the benefit as stated on the Benefits Schedule whichever is lower.
- In respect of jewellery claims, original or certified copies of valuation certificates issued prior to the commencement of the
trip are required. This condition is applicable to all jewellery including gifts and inherited items.
- Contact lenses, prescription spectacles or sunglasses are limited to a maximum of US$25 per pair over and above any
applicable Excess.
- Any loss of credit cards, traveller’s cheques or travel documents must be reported within 24 hours to the issuing authority
and the appropriate cancellation measures taken. The onus will be on the Beneficiary to prove that the Assistance Company
was not prejudiced in any way by late reporting.
- Cash, documents and/or jewellery must be carried on the Beneficiary or lodged in safety deposit at the time of loss.
- Reasonable measures to save and recover baggage must have been taken by any Beneficiary.
- The Beneficiary shall, in respect of property, Personal Effects, travel documents, money and credit cards which may become
the subject of a claim:
o exercise all reasonable care for the safety, security and supervision thereof at all times and must not leave
property unattended in a public place or in any unlocked vehicle, room or building;
o endeavour to minimise any loss;
o not abandon any damaged property.
- The basis of settlement for items purchased within the 12 months prior to the trip or whilst on the trip will be the
replacement value of items determined at the Assistance Company’s discretion. The Assistance Company may choose to
replace, repair or pay for the loss in cash. All items must be supported by proof of purchase.
- To account for wear and tear the Assistance Company will pay a maximum of 75% of the replacement value for items
purchased more than 12 months prior to the trip, decreasing thereafter at 10% per year from date of purchase. This benefit
shall be limited to the benefit limits specified in the policy including the single limit of 25%.
20.3Specific exclusions
The Assistance Company will not be liable for:
- damage or loss arising from electrical or mechanical breakdown of any item; or
- damage to or replacement of any electronic data or software; or
- scratching or breakage of fragile or brittle items. This exclusion does not apply to photographic or video equipment,
binoculars, spectacles or contact lenses; or
- damage or loss arising from normal wear and tear, decay, a defective feature of the object itself, destruction by moth or
vermin, mould or fungus, insects, rodents, any process of cleaning, ironing, pressing, repairing, restoring or alteration.
However, loss as a result of leaking liquid enclosed in the baggage is included; or
- baggage, Personal Effects, business property, travel documents or money shipped under any freight agreement,
unaccompanied baggage or items sent by postal or courier services or given to someone else other than a travel
companion; or
- loss, destruction or damage arising from confiscation or detention by customs or other officials or authorities or
shortages due to errors, omissions or depreciation value; or
- loss, destruction or damage directly occasioned by pressure waves caused by aircraft or any other aerial devices
travelling at sonic or supersonic speeds; or
- loss, destruction or damage caused by atmospheric or climatic conditions or any other gradually deteriorating cause; or
- loss of or damage to bonds, stamps, negotiable instruments, deeds, securities or any kind of bullion; or
- personal computers, cellular phones or any electronic equipment:
o where theft or attempted theft occurs while such equipment is unattended other than when securely locked
inside a building or securely locked out of sight inside a motor vehicle.
o whilst carried on any conveyance unless carried by the Beneficiary as personal cabin luggage.
- contractual obligations in relation to a cellular phone purchase; or
- any goods intended for sale or trade; or
- household furniture and household appliances, non-portable property, computer or electronic equipment unless
acquired during the trip for personal use in the Beneficiary’s Country of Residence. The Beneficiary will be required to
attach receipts for such items in the event of a claim; or
- Loss of sports equipment and tools and/or damage of sports equipment and tools whilst in use.
21.LUGGAGE DELAY
The Assistance Company ensures the delay in delivery of luggage checked-in by an I.A.T.A. affiliated Airline Company subject to the
Beneficiary’s ticket being valid for a scheduled international flight of that company.
The amount of the indemnification as shown in the Benefits Schedule is, on an all-inclusive basis, for all luggage properly checked-in
where delivery is more than eight (8) hours after the arrival of the Beneficiary’s flight.
If the delivery of the luggage is more than eight (8) hours, the Assistance Company shall reimburse the essential items (toilet articles
and/or essential clothes) paid by the Beneficiary up to the amount as specified in the Benefits Schedule.
Obligations of the beneficiary in the event of a claim:
The Beneficiary must notify the Assistance Company by telephone on the same day as the event. Any claim must be accompanied by
the certification from the airline company describing the event.
22.PERSONAL LIABILITY
22.1Personal Civil Liability cover
The Company guarantees the Beneficiary to pay the compensation for which the Beneficiary may be civilly liable by law, for bodily or
material damages caused involuntarily to third parties and products during the lifetime of the insurance contract, according to the
definitions, terms and conditions set out in the policy and for incidents arising from the risk specified therein.
Save express agreement to the contrary, the Company will assume the legal supervision as regards the claim by the damaged party
and will meet the cost of the defense expenses that arise. The Beneficiary shall provide the collaboration necessary to assist the legal
supervision assumed by the Company.
If in the court procedures brought against the Beneficiary there should be a conviction, the Company will decide whether it is
appropriate to appeal to the competent higher Court; if it does not deem the appeal appropriate, it will inform the Beneficiary
thereof, and the latter will be free to lodge it on its own exclusive account. In this latter event, if the appeal lodged were to give rise
to a sentence favorable to the interests of the Company, it will be obliged to meet the cost of the expenses arising from such appeal.
When any conflict arose between the Beneficiary and the Company, prompted by the latter having to maintain in the loss interests
contrary to the defense of the Beneficiary, the Company will inform the Beneficiary thereof, without prejudice to taking the measures
which, because of their urgent nature, are necessary for the defense. In this case, the Beneficiary may choose between maintaining
the legal supervision provided by the Company or entrusting its own defense to another person. In this last event, the Company will
be obliged to pay the expenses of such legal supervision.
When in the civil part an amicable agreement was reached, the defense in the criminal part is discretionary on the part of the
Company and is subject to the prior consent of the defendant.
This cover is subject to a limit provided by the Benefits Schedule.
Recoveries
In the event of concurrence of the Company and of the Beneficiary against a liable third party, the amount recovered will be shared
out between them both in proportion to their respective interest.
22.2Specific exclusions
In addition to the General Exclusions, applicable to all coverage and sections of this policy, the consequences of the following
events and damages are not covered:
- Damage which has its origin in the breach of or voluntary failure to observe positive legal rules or of those governing the
activities object of the insurance
- Damage to goods or animals that are in the possession of the Beneficiary, or the person for whom the latter is answerable,
for his/her own use, or that have been entrusted or rented out to him/her to use, look after, transport, use for working
purposes or operate.
- Damage caused by the contamination of the ground, waters or the atmosphere, unless the cause thereof should be
accidental, sudden and unforeseen or not anticipated by the Beneficiary.
- Damage caused by risks that should be object of compulsory insurance cover.
- Damage arising from the use and running of motor vehicles, and of the elements towed or incorporated therein.
- The contractual obligations of the Beneficiary.
- Damage caused to ships, aircraft or any device destined for navigation or water or air support or caused by them.
- Damage caused by the transport, storage and handling of corrosive, toxic, inflammable and explosive substances and
gases.
- The payment of penalties and fines, as well as the consequences of failure to pay them and the furnishing of court bonds
to guarantee the criminal results of the procedure.
- Liability arising from labor accidents sustained by the personnel in the service of the Beneficiary.
- Damage caused by products, completed works and services rendered, after they have been delivered to clients or after
they have been rendered.
- Damage caused to movable or immovable property which, for their use or enjoyment, handling, transformation, repair,
safe-keeping, deposit or transport, have been entrusted, assigned or rented to the Beneficiary, or which are in his/her
possession or sphere of control.
- Financial losses that are not the consequence of a material damage covered by the policy, as well as the financial losses
that are the consequence of a bodily harm or material damage not covered by the policy.
- Damage caused by engaging in obviously dangerous sports, such as mountaineering, underwater activities, shooting or
similar.
- Injury to employees of the Beneficiary.
- Liability arising out of:
▪ Any willful act or misconduct;
▪ The carrying on of any trade profession or business.
- Liability to members of the Beneficiary’s family or any employee.
- Liability for which indemnity is provided to the Beneficiary under any other insurance.
23.HIJACK, HOSTAGE OR WRONGFUL DETENTION
23.1Hijack of a public conveyance
The Assistance Company will pay the benefit in the Benefits Schedule in the event of the unlawful seizure or wrongful exercise of
control of a public conveyance in which the Beneficiary is travelling (including the crew thereof) provided that such seizure or
wrongful control continues for a period of time greater than 12 hours.
23.2Kidnap and wrongful detention
The Assistance Company will indemnify the Beneficiary for covered losses should any of the following insured events happen to a
Beneficiary during the trip:
1. Kidnapping or alleged Kidnapping of a Beneficiary; or
2. Wrongful Detention.
23.3Specific exclusions
The Assistance Company will not be liable for loss caused by or resulting either directly or indirectly from or involving:
- The fraudulent, dishonest or criminal acts of the Beneficiary or any person authorised by the Beneficiary to have custody of
ransom monies. This exclusion will not apply to the payment of ransom monies by the Beneficiary in a situation where local
authorities have declared such payment illegal.
- Monies or property surrendered away from the Beneficiary’s premises in any face-to-face encounter involving the use or
threat of force or violence unless surrendered by a person in possession of such monies at the time of such surrender for the
sole purpose of conveying it to pay a demand for ransom monies previously communicated to the Beneficiary.
- Monies or property surrendered on the Beneficiary’s premises unless brought to the premises after receipt of a demand for
ransom monies for the purpose of paying that demand.
- Actual loss of or damage to property of any description, including intellectual property, as a result of an insured event.
- Any loss from Kidnap if the Beneficiary is permanently residing or is staying for more than 90 consecutive Days in the country
where the event occurs.
- Any violation of the laws of the host country by the Beneficiary or failure to maintain and possess duly authorised and
required documents and visas.
- Failure of the Beneficiary to evacuate from the host country within 10 Days after the issuance of an advisory or travel to
country/ies after an advisory has been issued.
- The Beneficiary taking part in the operations of any governmental organisation, official law enforcement or military force.
GENERAL CONDITIONS FOR APPLICATION
24.OBLIGATIONS OF THE BENEFICIARY
As soon as a covered event occurs, the Beneficiary or any other person acting on their behalf must immediately contact the
Assistance Company alarm center in order to obtain a file number and which will allow the Assistance Company to act as soon as
possible.
by telephone on the dedicated line number to UAP Uganda:
• from abroad: + 33 (0) 1 55 92 22 20
• from France 01 55 92 22 20
by email: servicemedical.ame@axa-assistance.ma
by quoting the following assistance agreement number: 0803511 as well as their policy number.
25.IMPLEMENTATION OF COVERAGES
The Assistance Company becomes involved within the scope fixed by national and international laws and regulations.
The Assistance Company reserves the right, prior to any intervention of its service provisions, to check the reality of the event insured
and the validity of the request made by the Beneficiary.
The Assistance Company cannot be held liable for any damage of a professional or commercial nature suffered by a Beneficiary
following an event which needed the intervention of the assistance services.
26.EXCEPTIONAL CIRCUMSTANCES
The Assistance Company’s commitment is based on an obligation of means (obligation de moyens) and not one of results (obligation
de résultat).
The Assistance Company cannot be held responsible for non-performance or delays or difficulties in performing the agreed services
caused by civil or foreign war whether declared or not, general mobilisation, requisition of men and/or materials by the
authorities, act of sabotage or terrorism, social unrest including strike, riot and popular uprising, restriction of the free movement
of goods and persons, natural disasters, effects of radioactivity, epidemic, pandemics, infectious or chemical risk or any other
accident or case of force majeure.
EXCLUSIONS
27.GENERAL EXCLUSIONS
In addition to the exclusions specified under the terms of the Policy, all consequences of and/or events resulting from the following
are also excluded:
- circumstances provoked intentionally by the Beneficiary;
- involvement in fights, except in case of self-defence, and in bets, dares, duels or crimes;
- the professional practice of any sport and the amateur practice of any aerial, self-defence or combat sport;
- participation in endurance or speed competitions or events and trials in preparation therefore on any form of land, water or
air locomotive means;
- failure to respect the recognised safety rules for the practice of any sporting or other leisure activity;
- the consequence of practising the following sports or activities: mountaineering requiring or not the use of equipment,
trekking, rock climbing, bobsleigh, skeleton, potholing, parachuting, acrobatic ski jumping, undersea diving involving the use
or not of autonomous equipment, aerial sports such as gliding, hang-gliding, flying wing (motorised and non-motorised) and
all similar machines (notably micro-lights and ULM), flying air navigation craft, air navigation control device, aerial sports ;
- official bans, injunctions and restrictions imposed by the forces of law and order;
- epidemics, pandemics, declared by the World Health Organisation and their consequences;
- effects of pollution, natural disasters and their consequences;
- any intervention initiated and/or organised at government or intergovernmental level by any governmental or non-
governmental authority or organisation.
- benign affections or lesions which can be treated on the spot;
- non-urgent affections which do not require immediate medical care;
- pre-existing illness predating the first subscription of the Policy and having given rise to a consultation, hospitalisation or other
medical treatment within the 6 months prior to the request for assistance;
- convalescence;
- affections under treatment at the first subscription of the Policy and not yet stabilised and/or requiring subsequent scheduled
treatment and possible follow-up measures (examination, additional treatment, foreseeable and recurrent complications);
- surgical treatments and interventions of an aesthetic nature not resulting from an Accident;
- pregnancy conditions and their consequences, miscarriages and ectopic pregnancies and their consequences, deliveries and
their consequences concerning the new-born babies;
- voluntary interruptions of pregnancy, amniocenteses;
- mental illnesses and their consequences, including depressive syndromes;
- the consequences of a suicide and attempted suicide;
- the consequences of the use of medicines or drugs not medically prescribed;
- the consequences of the alcohol abuse (blood-alcohol level greater than that set by the regulations in force in the country of
location, deficiency syndromes as well as any pathology directly resulting from alcohol abuse);
- the consequences of the failure or inability to obtain vaccination or treatment required or made compulsory by a trip or travel
or the repercussions of such vaccination or treatment;
- repetitive transportation required because of the Beneficiary’s follow up examinations, out- patient care sessions;
- any cost or expense covered by another insurance policy;
- cost or expense incurred without the prior agreement of the Assistance Company;
- the medical expenses relating to check-ups, medical examinations, scheduled or preventative screenings.
GENERAL PROVISIONS
28.LIFE OR DEATH SITUATION
If there is a risk of death, the Beneficiary or any other person representing him/her must call on the medical emergency services in
place where the Beneficiary is located before contacting the Assistance Company.
29.MAXIMUM INSRER’S COMMITMENT (MAXIMUM LIMIT)
It is agreed that if the policy is taken out in favour of one or several insureds, who are subject to the same insured accident caused
by a same event at the same time and if the aggregate benefits exceed €20,000,000, the insurer’s commitments shall in any
event be capped at this amount with respect to the total amount of benefits paid to insureds who are subject to the same
accident, the benefits being reduced and paid on a proportional basis with respect to the number of insureds.
30.PRESCRIPTION
Any claim arising out of the Policy shall become statute-barred two (2) years after the event which leads to it or after any time period
applicable in accordance with the law of the Country of Residence.
31.SANCTIONS
The assistance company and the insurer shall not be deemed to provide cover and shall not be liable to pay any claim or provide any
benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose
them to any sanction, prohibition or restriction under united nations resolutions or the trade or economic sanctions, laws or
regulations of the European union, United Kingdom or United States of America.
The assistance company is subject to anti-money laundering and counter-terrorist financing provisions. The assistance company will
not provide services to individuals or entities subject to assets freeze measures.
The policyholder and/or the beneficiary allow the insurer to apply any appropriate measure to fight against money laundering and
terrorist financing, as defined by the Financial Action Task Force (FATF) recommendations.
32.APPLICABLE LAW, JURISDICTION AND DISPUTE RESOLUTION
The General Conditions are governed by Ugandan law.
Where any dispute or difference between the parties arising out of or in connection with this Agreement including formation and
validity and whether arising during or after the period of this Agreement has not been settled through negotiation, both parties agree
to try in good faith to settle such dispute by non-binding mediation, before resorting to arbitration in the manner set out below.
Any dispute arising out of this Agreement, including any difference concerning its validity, shall be submitted to the decision of a
Court of Arbitration.
The Court of Arbitration shall consist of 3 members who shall be active or retired executive officials of insurance or reinsurance
companies.
The seat of the Court of Arbitration shall be in Kampala
Each party shall nominate one arbitrator and these arbitrators shall choose an umpire before entering upon the reference. If the
defendant party fails to nominate its arbitrator within four weeks after being required by the plaintiff party to do so, then the plaintiff
party shall nominate the second arbitrator as well. In the event of the two arbitrators failing to agree upon the umpire within four
weeks after their appointment, the umpire shall be nominated in accordance with Uganda’s Arbitration and Conciliation Act, 2000.
The arbitrators and the umpire shall make their award in accordance with the practice of reinsurance business and are relieved from
all judicial formalities unless otherwise agreed by the parties to this Contract. They shall make their own decision within 2 months
after the appointment of the umpire or within such longer period as may be mutually agreed by the parties to this Contract.
The decision of the Court of Arbitration shall be final and binding upon the two parties and not subject to appeal.
The costs of arbitration shall be paid as the Court of Arbitration may direct.
33.DATA PROTECTION
The Beneficiary acknowledges and agrees that the Assistance Company:
- is committed to protect his personal data in accordance with applicable laws and regulations;
- is acting as data controller in respect of the personal data that the Beneficiary process under this Policy;
- has implemented and will maintain within its organization policies and technical security measures preventing any breaches
(e.g. of confidentiality) by its officers, representatives, employees or any other third party acting on its behalf in determining
what are appropriate technical security measures, account shall be taken of risks presented by accidental or unlawful
destruction, loss, alteration, unauthorized disclosure of, or access to personal data transmitted, stored or otherwise
processed;
- has fulfilled legal requirements relative to the transfer of such personal data; and
- may record telephone calls between Beneficiaries and the Assistance Company for quality control purposes.
The Beneficiary consents to transfer his personal data Abroad, in order for the Assistance Company to fulfil its contractual
commitments with the Insurer, including but not limited to administration, risk management and performance of the Policy.
34.REIMBURSEMENT IN CASE VISA NOT APPROVED
UAP Old Mutual Insurance Uganda Limited will reimburse the client without any fee if the Visa is rejected.
35.COOLING OFF PERIOD
There is a cooling off period of twenty (20) days prior to the start of the trip. If a client is not happy with the insurance policy, he/she
can return it back prior to departure and get reimbursed 70% of the full amount excluding taxes.
36.FLEXIBILITY OF COVERAGE
If the Beneficiary is sick and is not fit to travel, the coverage is automatically extended until the Beneficiary is medically fit to travel.