GREAT ADVANTAGES OF USING N J HERITAGE PARTNERSHIP LTD
WE ARE PLEASED TO INFORM YOU THAT OUR PRODUCTS AND SERVICES NOW INCLUDE THE FOLLOWING:
*FREE - ACTS OF TERRORISM COVER INCLUDED IN POLICY
*FREE - SCHEDULED AIRLINE FAILURE AND DYNAMIC PACKAGING PROTECTION COVER INCLUDED IN POLICY
*CHILD RATE 3 YEARS TO UNDER 19 YEARS OF AGE 50% OF ADULT PREMIUM WHEN TRAVELLING WITH AN INSURED ADULT
*NO AGE LOADINGS UP TO 65 YEARS OF AGE
*66-69 YEARS OF AGE 150% X PREMIUM
*70-74 YEARS OF AGE 200% X PREMIUM
*75-80 YEARS OF AGE 300% X PREMIUM
*81-85 YEARS OF AGE 400% X PREMIUM
*WEDDING, GOLF AND BUSINESS COVER AVAILABLE
*LATE BOOKERS’ DISCOUNT 15% OFF RATES (HOLIDAYS BOOKED WITHIN 21 DAYS OF DEPARTURE)
*ONLINE PROCESSING SYSTEM OF POLICIES
*YOU ARE ABLE TO QUOTE ON SCREEN TO YOUR CLIENT SINGLE AND ANNUAL MULTI-TRIP RATES AT THE SAME TIME TO GIVE THEM A CHOICE
*CHOOSE YOUR OWN PERCENTAGE INCREASE ON NET PREMIUM AND YOU CAN EVEN AMEND THIS PRICE ON SCREEN YOURSELF WHICH AUTOMATICALLY CALCULATES THE IPT AMOUNT TO THE PREMIUM YOU WISH TO SELL AT
*AUTOMATIC MONTHLY SETTLEMENT STATEMENTS SENT TO YOU THEREFORE NO NEED FOR YOU TO CALCULATE THESE
*FACILITY TO EMAIL DIRECT TO CLIENT POLICY CONFIRMATION DOCUMENTS IF REQUIRED
*IF YOU ARE UNABLE TO ISSUE A POLICY YOURSELF FOR WHATEVER REASON PLEASE CONTACT US WITH DETAILS AND WE WILL COLLECT THE PAYMENT, ISSUE THE POLICY FOR YOU AND CREDIT YOUR ACCOUNT WITH THE COMMISSION
*OUR IN-HOUSE CLAIMS COMPANY
*OUR IN-HOUSE MEDICAL SCREENING COMPANY
This insurance policy contains health restrictions that apply to the cover provided under the Cancellation, Curtailment and Medical sections of this insurance (see the exclusions applying to Sections A, B and C). If You make a Claim for a Pre-Existing Medical Condition that You have not declared to Us and has not been agreed by Us in writing, Your claim will be declined.
In order to ensure that You are adequately insured, it is important that You declare all Pre-Existing Medical Conditions for Yourself and anyone insured on the policy. Your Insurance Schedule of Cover details how to contact the Health Check line. When You contact the Health Check line, You will be advised if Your condition can be covered by this insurance policy and any additional terms or premium that may apply. Please note that We cannot guarantee to be able to offer cover for all conditions. However, if the terms made available to You are unacceptable , You will be able to cancel this policy and obtain a refund of Your premium provided You have not already travelled or made a claim. This is also on the proviso that You contact us within 14 days of the policy issue date or within 7 days of the change in Your circumstance if You are declaring a new condition that has arisen after You have purchased this policy but before You start Your Outward Journey.
1. It is a condition of this Policy that You will not be covered under section A - Cancellation and Curtailment, Section B – Emergency Medical and other Expenses and section C - Personal Accident for any claims arising directly or indirectly from:
a. At the time of taking out this policy:
i) Any Medical Condition You have or have had for which You have seen a specialist or been admitted to a hospital overnight in the last 12 months;
ii) Any breathing or heart problem (including angina) or high blood pressure which has required treatment (including regular medication) in the last 12 months;
iii) Any disorder of the blood such as clotting, bleeding or anaemia, any form of stroke, any form of cancer, leukaemia or tumour, or any psychiatric illness, stress, depression, anxiety or dementia which has required treatment (including regular medication) in the last 12 months;
iv) Any transplant or dialysis treatment (including regular medication) that has been required in the last 12 months;
v) Any other Medical Condition for which You have been taking regular medication for more than 6 months;
unless You have contacted Health Check and We have agreed, in writing, to cover You.
The conditions falling within the criteria in i) to v) above are deemed to be Pre-Existing Medical Conditions
However, if You have a condition that falls within the above criteria but that condition is shown in the Automatically Accepted Minor Conditions list , it will be covered under the policy without the need to contact Health Check and without any additional charge provided:
*You only suffer from one of these conditions
*You are not awaiting surgery for the condition
*You have been fully discharged from any post-operative follow-up
*You meet the criteria stated next to the condition
If You have more than one condition that falls within the Automatically Accepted Minor Conditions list, You must declare all Your Pre- Existing Medical Conditions to Health Check.
2) Any Medical Condition for which You, a Close Relative, a travelling companion or a person with whom You intend to stay whilst on Your Trip have received a terminal prognosis.
3) Any Medical Condition for which You, a Close Relative, a travelling companion or a person with whom You intend to stay whilst on Your Trip are aware of but have not had a diagnosis.
4) Any Medical Condition for which You, a Close Relative, a travelling companion or a person with whom You intend to stay whilst on Your Trip are on a waiting list for or have knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.
You will not be covered at any time for:
a) Any Medical Condition You have in respect of which a medical practitioner has advised You not to travel (or would have done so had You sought his/her advice), but despite which You still travel.
b) Any Medical Condition for which You are travelling to obtain treatment. c) Any Medical Condition for which You are not taking the recommended treatment or prescribed medication as directed by a medical practitioner.
d) Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.
e) Any Medical Condition affecting You, a Close Relative or a travelling companion that You are aware of at the time of booking any Trip which could reasonably have been expected to lead to cancellation or Curtailment of the Trip.
ONGOING HEALTH DECLARATION
If, after taking out this insurance but before You travel on any Trip, You develop a new Medical Condition which would fall within the Medical Declaration criteria above, You must call Health Check immediately. We may in the light of such changed circumstances not be able to continue cover under Sections A, B and C of this insurance. If this is not acceptable to You, You will be entitled to claim for the cancellation of Your Trip and no policy Excess will be applied. If You have purchased an Annual Multi Trip policy, You may also be able to claim for a prorata refund of Your policy. Please note that You must contact Us promptly regarding the change and are responsible for all costs incurred in obtaining any medical reports required by Us. If You do not contact Us within 7 days of the change of circumstance, You will be responsible for any increased costs incurred as a result of the delay in cancelling Your trip and We will only pay the costs that would have applied had You cancelled Your trip within 7 days of the date of the change of circumstances giving rise to the claim. For advice and assistance, please contact the Health Check line.
CANCELLATION AND CURTAILMENT - RESTRICTIONS RELATING TO THE HEALTH OF NON-TRAVELLERS
This insurance policy excludes cover for any claims arising directly or indirectly from a Pre-Existing Medical Condition (unless shown in the Automatically Accepted Minor Conditions list) of any person on whom travel depends unless the person’s doctor can state that, at the date of policy purchase or Trip booking (whichever is later) he/she would have seen no substantial likelihood of the patient’s condition deteriorating to such a degree to cause a necessary cancellation or Curtailment claim. If the doctor will not confirm this, any claim arising from a Pre- Existing Medical Condition will be excluded.
All claims arising from a terminal prognosis, any set of symptoms where a diagnosis has not been made and any Medical Condition for which a non-traveller is on a waiting list for or has knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home at the time the policy is purchased or the Trip is booked (whichever is later) are automatically excluded.