|1.||medical aid travel extension
Medical insurance benefits are based on local tariffs and provides the benefits in South African rands. These benefits are not always sufficient to cover hospital medical expenses in full while travelling abroad; therefore, you should apply for extra cover.
When travelling into Schengen states or into Africa, ensure that you are sufficiently covered. The cost of private health care in Africa ranks as one of the highest, and some medical aid providers provide limited or no cover when crossing South African borders. Make sure your travel insurance is with a financially robust insurer underwriting the cover.
|3.||familiarise yourself with local conditions and laws
To ensure travellers will not place a burden on their medical system or economy, when it comes to applying for a visa, Schengen states have some of the most stringent requirements. To apply for a Schengen visa you require a minimum of €33,000 emergency medical and related cover, and evidence that your insurer has sufficient capacity via a multinational insurer.
|4.||get your vaccinations
Ask your travel clinic if you need vaccination for the countries you're travelling to. Most travel insurance underwriters will not provide cover unless you are appropriately vaccinated.
|5.||using travel insurance
Most insurance providers exclude cover for routine medical treatment. If you fall ill or need urgent medical attention, contact your insurer as soon as possible as most insurers require notification beforehand. This helps ensure that your claims are properly managed and settled.
You have the option to buy convenience covers for insurance against travel delays, baggage theft or lost property. When you claim, ensure that you submit all your supporting documentation and, if required, a letter from the airline.
|7.||credit card insurance: When purchasing your ticket with your credit card, you are allowed limited travel insurance cover. Ensure that you understand what is covered and what is not. Most insurers have call centres that will assist on taking out additional cover - advisable and especially necessary when applying for Schengen visas.|
|8.||local cover for emergency medical expenses
You are covered for inconvenience benefits such as cancellations, curtailment, travel delays, or lost property only when travelling nationally.
|9.||about insurance: Flight & bag insurance protects passengers against lost, stolen or damaged baggage, flight cancellations, flight delays, and personal accident cover. If you're flying kulula.com or British Airways, purchase travel insurance at R26 per person per flight (including rates & taxes).|
About ACE Insurance: American Casualty Excess was established in 1985 by thirty-four Fortune 500 companies. ACE Limited is the parent company of the ACE Group and listed on the New York Stock Exchange. The ACE Head office is based in Zurich, however, ACE has operations in over 50 countries. Through various multinational partnerships, ACE can also service customers in 140 countries. ACE is the world’s seventh largest insurer (determined by market capitalisation) and specialises in Property & Casualty (P&C) and Accident & Health (A&H) insurance. In 1999, ACE purchased the international property and casualty business of CIGNA, which resulted in ACE growing from a large insurer into a major multinational insurer. ACE opened its doors in South Africa in 2006 and specialises in underwriting P&C, A&H and Travel Insurance.
Travel Insurance is issued and underwritten by ACE Insurance Limited, a registered Financial Services Provider (FSB 00060/01 – FAIS 27176).The policy wording will take precedence over all the guidance contained in the website and in all instances the T&Cs of the policy wording apply. ACE only provides general guidance and does not consider your objectives, financial situation or needs; therefore, this guidance cannot be considered as financial advice. ACE can be contacted on 0861 223 467 (0861 ACE INS).
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