Cover is usually provided to include a fixed limit in respect of Accidental Death, Loss of Limbs, Loss of Eyesight, Loss of Hearing, Permanent Disablement or Quadriplegia. The limit should be tailored to suit your requirements; with policy limits of £25,000 being the most common.
In addition, cover within this section should also include benefit for less serious injuries (such as Loss of Toe, Loss of Finger, and also weekly benefits for Temporary Disablement).
Most policies provide unlimited medical and emergency expenses. The cost of medical treatment is increasing and policy limits of £10,000,000 and over are becoming more common.
The majority of “off the shelf” travel policies will exclude treatment for pre-existing medical conditions. In order to ensure the people travelling on your behalf are fully protected, you should enquire with your broker whether it is possible to have this exclusion removed.
Standard travel Insurance
These policies are quite often not designed to cover anything other than personal holiday travel. They are inadequate for trips undertaken on behalf of Health Partnerships.
Travelling to areas of Unrest
When travelling to areas of unrest you should check with the Foreign and Commonwealth Office before travelling. If FOC advises against travel this may invalidate the Insurance policy. Any such trips should be disclosed to underwriters who will confirm the level of cover.
Kidnap + Hijack
It is common for travel insurers to provide a small benefit for Kidnap and Ransom, however if travelling to countries of unrest consideration should be given to specialist cover and higher limits. This needs to be with insurers who are able to respond quickly if a situation occurs.
Duration of Trip
Insurers will be interested in the length of trip which is commonly limited to 31 days. If longer trips are required this should be discussed at inception of the policy. Individuals travelling for six months or longer in duration are often classed as secondees and special terms may be applied by insurers.
With a number of people travelling on your behalf on projects/visits, it is preferential to have in place Group Travel Policy which covers all travellers (as opposed to individual insurance for each traveller), in the event of an emergency, all personnel will know exactly who to contact (as opposed to having to find the specific contact details for the individual insurance). In addition, should a major incident occur which has an impact on more than one person (i.e. a serious car crash which necessitates an emergency medical evacuation – helicopter/plane etc), if you have the individual insurance in place, you will need to arrange separate transportation for each injured party and these may of course arrive at different times! With a Group Policy, only one telephone call will be necessary to arrange the evacuation of all injured parties.
Generally the cost of a group option is better and the cover obtained is wider but the real benefits are consistency of cover for all travellers, certainty that premiums have been paid/documentation issued and any claims will be on the Groups experience not an individual.
It is essential that your insurance provider has the support services in place to assist with evacuation, security and medical assistance services. This should be available 24 hours a day 365 days a year.
Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Registered in England No.4043759. Registered address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Authorised and regulated by the Financial Services Authority.