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Business Travel Insurance
Schedule of Benefits
Benefit description | Business (excl. Manual labour) | Business (incl. Manual labour) |
|---|---|---|
AGE LIMIT | 18-75 years | 18-75 years |
DURATION: | 365 days | 365 days |
SECTION 1: EMERGENCY MEDICAL & RELATED EXPENSES | ||
a) Emergency Medical Expenses - Illness, Injury, disease, or death | R100,000,000 | R100,000,000 |
b) Epidemic, Pandemic relating to COVID-19 | R7,500,000 | R7,500,000 |
Section 1.2: Pre-existing Medical Conditions (hospitalisation only) excess 48 hours | R1,000,000 | R1,000,000 |
Section 1.3: Test for Epidemic, Pandemic relating to COVID-19 (when tested positive) | R2,000 | R2,000 |
Section 1.3: Medical Quarantine COVID-19 positive (Accommodation, flight penalties) | R30,000 | R30,000 |
Section 1.3: Medical Evacuation, Repatriation and Transportation | Up to the Medical limit | Up to the Medical limit |
Section 1.3: Repatriation of Children and Travel Companion | R30,000 | R30,000 |
Section 1.3: Return of Mortal Remains or Cremation | Actual Cost | Actual Cost |
Section 1.3: Compassionate Emergency Visit | R30,000 | R30,000 |
Section 1.3: Daily Hospital Cash during your international trip (R750 per day) | R15,000 | R15,000 |
SECTION 2: LEISURE AND SPORTING ACTIVITIES | R5,000,000 | R5,000,000 |
LINKHAM 24 HOUR ASSISTANCE SERVICES | N/A | N/A |
SECTION 3: POSTPONEMENT, CANCELLATION & CURTAILMENT FOR NAMED REASON AND ANY REASON | ||
Section 3.1: Postponement Named Reason and 3.3 relating to COVID-19 - Altering travel arrangements before you travel | R10,000 | R7,000 |
Section 3.2: Cancellation for Named Reason - Cancel before you travel from your country of residence | R50,000 | R50,000 |
Section 3.3: Cancellation - COVID-19, policy purchased within 48 hours of making a payment towards your travel arrangement | R40,000 | R40,000 |
Section 3.2 & 3.4: Conference and sporting event | Up to the limits | Up to the limits |
Section 3.4: Curtailment for Named Reason - Cut short your journey and return to your country of residence | R50,000 | R50,000 |
Section 3.5: Cancellation for Any Reason, policy purchased within 48 hours of making a payment towards your travel arrangement | R15,000 | R15,000 |
Section 3.6: Curtailment for Any reason, policy purchased within 48 hours of making a payment towards your travel arrangement | N/A | N/A |
SECTION 4: DENIED VISA APPLICATION | ||
Section 4.1: Denied Visa Application - Before you travel (SA passport holders) | R30,000 | R30,000 |
Section 4.2: Visa application delayed - Before you travel (SA passport holders) | R10,000 | R10,000 |
SECTION 5: RESUMPTION OF A JOURNEY - REPLACEMENT OF AIRFARE (BEFORE YOU TRAVEL) | R5,000 | R5,000 |
SECTION 6: TRAVEL SUPPLIER INSOLVENCY - POLICY PURCHASED WITHIN 48 HOURS OF MAKING A PAYMENT TOWARDS YOUR TRAVEL ARRANGEMENT | R25,000 | R25,000 |
SECTION 7: ALTERNATIVE EMPLOYEE AND RESUMPTION OF ASSIGNMENT -BEFORE YOU TRAVEL | R15,000 | R15,000 |
SECTION 8: TRAVEL DELAY AND MISSED CONNECTION -ACCESS TO AIRPORT LOUNGE | ||
Section 8.1: Travel Delay (more than 6 Hours), Local Plan (more than 2 hours) | R5,000 | R5,000 |
Section 8.2: Additional travel and accommodation (more than 24 hours) | R5,000 | R5,000 |
Section 8.3: Missed Connection (more than 6 hours) | R30,000 | R30,000 |
SECTION 9: BAGGAGE & RELATED EXPENSES - THEFT OR DAMAGE TO PERSONAL BELONGINGS | R35,000 | R35,000 |
Single Item Limit - (SIL 25%) | R8,750 | R8,750 |
Accidental Loss of baggage | R8,750 | R8,750 |
Accidental loss single item limit | R2,187 | R2,187 |
Section 9.2: Baggage Delay (more than 6 hours) | R5,000 | R5,000 |
Section 9.3: Cash and Travel documents | R5,000 | R5,000 |
SECTION 10: PERSONAL ACCIDENT - (ACCIDENTAL DEATH) - PAY OUT TO YOUR BENEFICIARIES | R500,000 | R100,000 |
SECTION 10: ACCIDENTAL PERMANENT DISABLEMENT-PAYOUT TO YOU | R500,000 | R500,000 |
SECTION 11: LEGAL LIABILITY AND RELATEDEXPENSES | ||
Section 11.1: Personal liability - Legally responsible for damage to property or bodily injury | R5,000,000 | R5,000,000 |
Section 11.2: Motoring Bail - If You are imprisoned following a traffic accident | R20,000 | R20,000 |
Section 11.3: Legal Expenses | R30,000 | R30,000 |
SECTION 12: HIJACK, KIDNAP AND WRONGFUL DETENTION | R250,000 | R250,000 |
SECTION 13: INCIDENTAL LOSS / DAMAGE | R15,000 | R15,000 |
SECTION 14: NATURAL DISASTER - AT YOUR INTERNATIONAL DESTINATION | R15,000 | R15,000 |
SECTION 15: CREDIT CARD /MEDICAL AID EXCESS WAIVER-REFUND OF EXCESS PAID FOR A CLAIM, PROVIDED THAT LINKHAM TOP-UP PLAN PURCHASED | N/A | N/A |
SECTION 16: TICKET UPGRADE (DELAYED FOR MORE THAN 6 HOURS) | R10,000 | R10,000 |
SECTION 17: CAR RENTAL EXCESS WAIVER, CAR HIRE AND CAR HIRE KEY | ||
Section 17.1: Car Rental Excess Waiver | R10,000 | R10,000 |
Section 17.2: Car Hire (R500 per day) | N/A | N/A |
Section 17.3: Car Hire Key | N/A | N/A |
SECTION 18: CATTERY AND KENNEL (R500 PER DAY ) | R2,000 | R2,000 |
SECTION 19: HOTEL WITHDRAWAL SERVICES (R500 PER DAY) | R2,000 | R2,000 |
SECTION 20: HOME ASSISTANCE OR NANNY SERVICES (R500 PER DAY ) | R2,000 | R2,000 |
CARRIER ACCUMULATION LIMIT | R100,000,000 | R100,000,000 |
INDIVIDUAL/CHILDREN - PERIOD OF COVER | PREMIUM | PREMIUM |
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