2006 FirstRand Standard Wording _2

Travel Insurance Consultants FirstRand Bank Limited 2005: 2006 1

FSB Licence Number: 15592

COMPREHENSIVE GLOBAL TRAVEL INSURANCE POLICY WORDING

Persons up to the age of 75 (not yet 76)

We will insure You in terms of the conditions and exclusions as detailed in this policy and

Schedule of Insurance whilst on a Journey when the full cost of Your Public Conveyance

ticket has been debited to a valid credit card issued by FirstRand Bank Limited (which has

been specifically nominated to by the Bank). Where You have purchased Your Public

Conveyance tickets by redeeming points earned against a First National Bank Credit Card

You qualify for the free cover provided that the cost of the ticket is acquired in this manner

Payment is limited to the amount appropriate to the benefit shown on Your Schedule of

Insurance. We have the option to either pay, replace or repair (or any combination of these)

when compensating You. In respect of Section 5, Sub Section 5.1 cover commences on the

date of issue of Your policy.

SECTION 1: EMERGENCY MEDICAL AND RELATED EXPENSES

If You require emergency medical treatment as a result of accidental bodily injury, illness or

disease, We will reimburse You for Reasonable and Customary Medical Expenses

including hospital and out-patient treatment and prescription medication, when deemed

necessary by a registered medical practitioner.

If You require emergency dental treatment (to Sound Natural Teeth) We will reimburse

You for Reasonable and Customary Dental Expenses for the immediate relief of pain and /

or emergency repair to restore dental function.

1.1 RELATED EXPENSES

1.1.1 MEDICAL TRANSPORTATION AND REPATRIATION

If as a result of accidental bodily injury, illness or disease You require medical

transportation as determined and agreed by the Assistance Company, We will pay

for Your transfer to a medical facility to obtain necessary treatment and / or

repatriation to Your Country of Residence.

1.1.2 VISIT BY A FAMILY MEMBER

If You are travelling alone and are hospitalised We will pay for reasonable additional

accommodation and travelling expenses (but excluding telephone calls, meals, taxis

and beverages) necessarily incurred by Your Spouse or next of kin who, on the

advice of a medical practitioner appointed by Us travels to and remains with You

until You are fit to resume the Journey or return to Your Country of Residence,

whichever occurs first.

1.1.3 RETURN OF CHILDREN

If Your Accompanied Children are left stranded in the event of Your

hospitalisation, repatriation or death, We will arrange and pay for their transportation

back to their Country of Residence with a qualified escort if necessary, provided

they are also insured by Us.

1.1.4 RETURN OF TRAVEL COMPANION

If Your Travelling Companion is left stranded in the event of Your hospitalisation,

repatriation or death, We will arrange and pay for their transportation back to their

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FSB Licence Number: 15592

Country of Residence with a qualified escort if necessary provided they are also

insured by Us.

1.1.5 BURIAL, CREMATION OR RETURN OF MORTAL REMAINS

In the event of Your death, We will pay the reasonable costs in respect of funeral,

burial or cremation expenses in the country where Your death occurred or the

reasonable costs of returning Your body or Your ashes to Your Country of

Residence.

1.1.6 HOSPITAL INCONVENIENCE

If You are away from Your Country of Residence whilst on a Journey and You are

hospitalised for at least 24 hours We will pay You a daily inconvenience benefit for

each complete 24 hours You remain in hospital.

Travel Insurance Consultants FirstRand Bank Limited 2005: 2006 3

FSB Licence Number: 15592

EXCLUSIONS

We will not pay for any claim arising from:

a. pregnancy, childbirth, abortion, miscarriage, obstetrical procedures or any sequalae

thereof other than as a consequence of Accidental Bodily Injury;

b. treatment or advice that You or the person who is the subject of the claim are

receiving at the date of departure or any recurring, chronic or continuing illness or

condition or costs associated to conditions or treatment or advice received during the

six months prior to departure;

c. treatment that Your medical advisors are aware will arise during the Journey or

where Your medical advisor has advised against travel;

d. You traveling abroad to seek medical treatment;

e. cardiovascular, vascular, cerebrovascular or cardio respiratory or respiratory

conditions if You have received medical advice and / or treatment (including

medication) for hypertension in the six months prior to departure or where You have

attained an age of 65 years;

f. investigatory treatment that is not specified by a medical practitioner appointed by Us

as immediately necessary;

g. or relating to contraceptive devices, prosthetic devices, medical appliances and / or

artificial aids;

h. specialist medical fees unless authorised by the Assistance Company;

i. physiotherapy/ chiropractic charges exceeding R 1000 unless You are hospitalised for

at least 24 hours;

j. expenses We are prohibited by law from paying in terms of any current legislation;

k. out-patient medication unless prescribed by a medical practitioner;

l. treatment given or prescribed by a relative;

m. emergency dental treatment as a result of an accident whilst on a Journey more that

30 days after the accident;

n. any procedures relating to dental or oral hygiene;

o. medication unless prescribed by a medical practitioner;

p. the first R2 000 of each and every international medical claim.

CONDITIONS

a. You must obtain Our or the Assistance Company’s prior authorisation before

incurring any expenses over R 2 000. Failure to do so will result in Our liability

being limited to R 2 000.

b. Should the Assistance Company determine that You are capable of being repatriated

to Your Country of Residence and You choose not to be repatriated then all

expenses from that date onwards, will be for Your own account.

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FSB Licence Number: 15592

c. In the event of any transport or repatriation arranged by Us We reserve the right to

utilise Your original travel tickets and any refund from unused tickets belongs to Us.

SECTION 2: PRE-EXISTING MEDICAL COVER

If You require emergency medical treatment as a result of a pre-existing illness or disease,

We will reimburse You for Reasonable and Customary in-hospital Medical Expenses

when deemed necessary by a registered medical practitioner.

2.1 RELATED EXPENSES

2.1.1 MEDICAL TRANSPORTATION AND REPATRIATION

If as a result of, illness or disease You require medical transportation as determined and

agreed by the Assistance Company, We will pay for Your transfer to a medical facility to

obtain necessary treatment and / or repatriation to Your Country of Residence.

EXCLUSIONS

We will not pay for any claim arising from:

a. pregnancy or childbirth from the 1

day of the 26

week of pregnancy;

b. treatment that Your medical advisors are aware will arise during the Journey or

where Your medical advisor has advised against travel;

c. investigatory treatment that is not specified by a medical practitioner appointed by Us

as immediately necessary;

i. expenses We are prohibited by law from paying in terms of any current legislation;

j. cardiovascular, cerebrovascular or cardio respiratory or respiratory conditions where

You have attained an age of 70 years;

k. any person who has attained the age of 75.

CONDITIONS

a. You must obtain Our or the Assistance Company’s prior authorisation before

incurring any expenses over R2 000. Failure to do so will result in Our liability being

limited to R2 000.

b. Should the Assistance Company determine that You are capable of being repatriated

to Your Country of Residence and You choose not to be repatriated then all

expenses from that date onwards, will be for Your own account.

c. In the event of any transport or repatriation arranged by Us We reserve the right to

utilise Your original travel tickets and any refund from unused tickets belongs to Us.

d. You must be hospitalised as an in-patient for 48 hours in order to claim under this

section.

e. Reimbursement for Pre-Existing Medical Cover is in excess of any other valid and

collectable bond, policy, insurance, benefit or compensation, Medical Aid Fund or

Medical Insurance.

SECTION 3: EMERGENCY ASSISTANCE SERVICES

3.1 Medical Referral

The Assistance Company will endeavour to arrange for medical attention and

hospitalisation if necessary.

3.2 Medical Monitoring

The Assistance Company will endeavour to provide continued medical monitoring

of Your condition if necessary.

3.3 Emergency Medicine

Travel Insurance Consultants FirstRand Bank Limited 2005: 2006 5

FSB Licence Number: 15592

If special medicines are unobtainable locally, the Assistance Company will

endeavour to assist You with obtaining and despatching these medicines.

3.4 Evacuation

When medical facilities are not available locally, the Assistance Company will

endeavour to arrange emergency evacuation under constant medical supervision by

whatever means necessary to the nearest facility capable of providing the required

care.

3.5 Repatriation

In the event of Your repatriation home, the Assistance Company will endeavour to

make all necessary arrangements.

3.6 Return of Mortal Remains

In the event of Your death, the Assistance Company will endeavour to assist with

obtaining clearances and arrangements for the return of the remains.

3.7 Transmission of Urgent Messages

The Assistance Company will endeavour to transmit urgent messages on behalf of or

to You in the event of a medical or travel problem.

3.8 Embassy Referral

The Assistance Company will endeavour to provide You with relevant details of

diplomatic representatives wherever possible.

3.9 Emergency Travel and Accommodation Arrangements

The Assistance Company will endeavour to provide all reasonable, possible and

practical assistance in arranging for emergency alternative accommodation and

onward or return transportation if necessary.

3.10 Legal Assistance:

The Assistance Company will endeavour to locate a source of legal counsel and if

necessary an advance of funds for bail. The bail funds or bonds are Your

responsibility.

3.11 Bail

The Assistance Company will endeavour to assist with the posting of bail on Your

behalf from funds provided by You or Your representative for this purpose, subject

to foreign exchange approval.

3.12 Return in case of death or imminent death of a close relative

The Assistance Company will endeavour to provide all reasonable, possible and

practicable assistance in arranging for the amendment of Your Public Conveyance

tickets for You to return to Your Country of Residence.

3.13 Loss of travel documents

The Assistance Company will endeavour to provide all advice regarding the

replacement of Your lost or stolen credit cards, travel and other documents required

to continue with Your Journey.

Travel Insurance Consultants FirstRand Bank Limited 2005: 2006 6

FSB Licence Number: 15592

3.14 Cash Advances

When, as a result of theft, loss, accident or illness You require funds to pay for travel

and accommodation We will (subject to foreign exchange regulations and a surcharge

of 10%) advance You the funds provided by Your representative for this purpose.

SECTION 4: PERSONAL ACCIDENT

If You suffer bodily injury by accidental, external, violent and visible means which directly

and independently of any other cause, results within twelve months in Death or Permanent

Disablement (as detailed in the schedule below) We will pay the appropriate compensation to

You, Your estate or nominated beneficiary in accordance with the Schedule of Benefits.

If You suffer an injury or die as a direct result of exposure to the elements of nature, resulting

from a mishap to the conveyance in which You are travelling, We will pay the appropriate

compensation to You, Your estate or nominated beneficiary.

If You disappear and it is reasonable for Us to believe that You may have died due to

accidental bodily injury, We will pay the appropriate compensation to Your estate or

nominated beneficiary. Payment is conditional upon a waiting period of 12 months and will

only be made once the person or persons to whom such sum is to be paid have signed an

undertaking to refund such sum to Us if You are subsequently found to be living.

SCHEDULE OF BENEFITS

Percentage of Limit of Liability

a. Death 100%

b. Loss by physical separation at or above the wrist or ankle of one or more limbs

100%

c. Total, permanent and irrecoverable loss of hearing in both ears 100%

d. Total, permanent and irrecoverable loss of sight in both eyes 100%

e. Permanent Total Disablement 100%

f. Permanent and total loss of speech 100%

CONDITIONS

a. Permanent total loss of use of a limb shall be treated as loss of a limb.

b. In the event of compensation becoming payable under more than one benefit, the total

amount payable shall not exceed 100% of the Limit of Liability for each Insured

person.

c. In the event of travel in any chartered aircraft with more than 20 seats, the Limit of

Liability is restricted to 25% in respect of each Insured person.

d. In the event of the death of a minor child under the age of 16, the benefit payable will

be subject to the current amount legislated by law at the time of death but will never

exceed 20% of the Limit of Liability stated on the Schedule of Insurance.

e. The maximum known accumulation in respect of any benefits payable in respect of

any one accident or series of accidents under this section shall be limited to R 5 000

000 (five million rand) per valid First Rand Bank Credit Card.

Travel Insurance Consultants FirstRand Bank Limited 2005: 2006 7

FSB Licence Number: 15592

EXCLUSIONS

We will not pay for any claim resulting from:

a. airline crew during the course of their employment;

b. travel in any single engine aircraft;

c. travel in any helicopter unless when utilised as a connecting flight by a scheduled

airline.

SECTION 5: CANCELLATION OR CURTAILMENT

5.1 CANCELLATION

If You cancel Your Journey prior to departure as a result of:

a. unexpected death or sudden illness or injury of You, Your Travelling

Companion, a member of Your Immediate Family or Business Associate

and as deemed necessary by a medical practitioner appointed by Us;

b. the non availability of the person that is in charge of Your minor or disabled

children due to such person’s unexpected death, illness or injury within 30 days

prior to the date of the insured journey;

c. a Traumatic Event;

d. accidental damage or burglary to Your main residence likely to result in a loss

in excess of R 50 000;

then We will pay for, or reimburse You the non refundable portions of travel and/or

accommodation arrangements paid by You or for which You are legally liable.

5.2 CURTAILMENT

If the Journey is curtailed as a result of:

a. unexpected death or sudden illness or injury of You, Your Travelling

Companion, a member of Your Immediate Family or Business Associate

and as deemed necessary by a medical practitioner appointed by Us;

b. the non availability of the person that is in charge of Your minor or disabled

children due to such person’s unexpected death, illness or injury within 30 days

prior to the date of the insured journey;

c. a Traumatic Event;

d. accidental damage or burglary to Your main residence likely to result in a loss

in excess of R 50 000;

then We will pay for or reimburse You the non refundable portions of travel and/or

accommodation arrangements paid by You or for which You are legally liable and the

reasonable additional travel and accommodation expenses (three star accommodation

and economy class travel expenses) incurred by You to return to Your Country of

Residence.

EXCLUSIONS

We will not pay for any claim arising from:

a. disinclination to proceed or financial circumstances or government prohibition;

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FSB Licence Number: 15592

b. the inability of any tour operator or wholesaler to complete arrangements for a group

due to a deficiency in the number of persons required to commence or complete any

part of the tour;

c. default of any transport or accommodation provider, travel agency or tour

operator, or any person acting as an agent of Yours ;

d. pregnancy , childbirth, abortion, miscarriange, obstetrical procedures or any sequalae

thereof;

e. costs of resuming the Journey ;

f. non-admittance into any country by the authorities;

g. cardiovascular, cerebrovascular, respiratory or cardio respiratory conditions if You,

or the person who is the cause of the claim, have received medical advice and / or

treatment (including medication) for hypertension in the six months prior to departure

or where You, or the person who is the cause of the claim, have attained an age of 65

years;

h. any illness or physical infirmity for which You or the person who is subject of a

claim is receiving at the date of issue of this policy or whose medical advisors are

aware will arise during the Journey;

i. costs associated with treatment that You or persons described in Section 4 are

receiving at the date of issue of this policy or whose medical advisors are aware will

arise during the Journey;

j. the cancellation of the Journey on request of Your Spouse, parent or employer;

k. weather conditions;

l. You not having the required and / or valid and /or correct travel documents, or visas;

m. treatment or advice that You, Your Travelling Companion, a member of Your

Immediate Family or Business Associate are receiving at the date of departure or

any recurring, chronic or continuing illness or condition or costs associated to

conditions or treatment or advice received during the six months prior to departure;

n. the first R 500 claimed.

SECTION 6: TRAVEL DELAY

If the scheduled departure of Your Public Conveyance transport is delayed for at least 12

hours, due to any fortuitous cause outside Your control, We will reimburse You for

reasonable expenses incurred for meals, drinks, travel costs, accommodation and the like if

your carrier does not provide them. You must provide Us with receipts for all purchases when

making a claim under this Section.

SECTION 7: PERSONAL LIABILITY

If You become legally liable for accidental death, accidental bodily injury, illness of any

person or loss or damage to property, We will pay for claims made against You for any

event/s caused by the original occurrence. This amount includes any legal costs recoverable

from You by the claimant/s and other expenses incurred with Our consent.

EXCLUSIONS

We will not pay for any claim arising from:

a. liability arising from Your wilful, malicious or criminal activity;

b. liability for damage to property which is in Your care, custody or control;

Travel Insurance Consultants FirstRand Bank Limited 2005: 2006 9

FSB Licence Number: 15592

c. any liability where indemnity is provided under any other insurance;

d. liability for death, bodily injury or illness of any member of Your family, Travelling

Companion, Business Associate or an employee (or deemed by law to be an

employee) of You or Your business;

e. liability arising from the conduct by You of any profession, trade or business or the

use or ownership by You of any mechanically propelled vehicle, aircraft or

waterborne craft;

f. liability that arises under a contract or agreement entered into by You, but not

excluding liability which would have attached in the absence of such an agreement;

g. liability for fines, penalties or punitive damages

CONDITIONS

No admission, offer, promise or payment shall be made by You without Our written consent.

We shall be entitled, if We so desire, to take over and conduct in Your name, the defence

and/or settlement of any claim, or to prosecute in Your name, for Our own benefit, any claim

for indemnity or damages or otherwise against any person and shall have full discretion in

conducting such proceedings or in settling any claim. We may at any stage of the proceedings

pay to You the full amount of Our liability under this policy in respect of any claim and shall

thereupon not be responsible for any loss alleged to have been sustained in consequence of

any action or omission in connection with the prosecution of such claims or proceedings.

SECTION 8: HIJACK, HOSTAGE, OR WRONGFUL DETENTION

INCONVENIENCE

If a Public Conveyance in which You are travelling is hijacked or if You are held hostage or

if You are held in wrongful detention We will pay You an inconvenience benefit.

EXCLUSION

We will not pay for any claim arising from:

You being held hostage or being wrongfully detained by any member of Your family or

Travelling Companion or Business Associate, employer or employee.

SECTION 9: LEGAL EXPENSES

If You are imprisoned or threatened with imprisonment, We will assist You in locating and

appointing legal counsel and pay for legal expenses incurred by You.

EXCLUSIONS

We will not pay for any claim arising from:

a. legal practitioners not licensed or authorised to provide counsel;

b. the pursuit of a claim against a tour operator, travel agent, Assistance Company,

conveyance carrier, Us or any agent of Ours or Our Assistance Company;

c. legal advice or expenses incurred as a result of a legal action brought against You, or

Us by a relative, Business Associate or employee of Yours ;

d. any criminal or illegal act intentionally committed by You.

Travel Insurance Consultants FirstRand Bank Limited 2005: 2006 10

FSB Licence Number: 15592

SECTION 10: REPLACEMENT PERSONNEL

We will pay the reasonable travel costs for a replacement employee to complete the

assignment for which You were originally sent as the result of a valid claim under Section 1,

Section 3 and / or Section 4 where You are unable to complete the assignment for which You

were originally sent.

CONDITION

We reserve the right to utilise Your original travel ticket/s.

SECTION 11: LUGGAGE

If Your luggage, clothing and / or Personal Effects are accidentally lost, stolen or damaged

We will indemnify You by payment, replacement or repair (at Our option) subject to the

following:

1. there is a limit of R 1000 for any single item. Where an item is valued at more than R

1 000 such items should be insured more specifically elsewhere and are not covered

in terms of this policy;

2. a camera, it’s lenses and fittings and the camera case shall be deemed to be a single

item;

3. a mobile phone / satellite phone and its fittings (including photographic fittings) shall

be deemed to be a single item and is limited to R1 000;

4. a laptop, palmtop or similar personal computer and any fittings and/or accessories

including software and software disks shall be deemed to be a single item;

5. golf clubs, golf bags and golf equipment will be deemed to be a single item;

6. spectacles, sunglasses, contact lenses are limited to R1 000 per pair.

EXCLUSIONS

We will not pay for any claim arising from:

a. delay, detention, destruction or confiscation by customs officials or other authorities;

b. the contractual obligations resulting from the loss of a mobile or a satellite phone;

c. loss or damage to a mobile or satellite phone and its fittings, unless personally carried

with You;

d. jewellery and / or money unless carried upon You or lodged in a safety deposit box;

e. theft from an unattended motor vehicle unless such property is securely locked in the

boot and entry to the vehicle is gained by visible, violent and forcible means;

f. loss of trade samples;

g. wear and tear, mildew, rust or corrosion, the action of insects, moth or vermin or

whilst clothing or Personal Effects are being cleaned, dry-cleaned, dyed, altered or

repaired;

h. loss or damage to fragile or brittle articles (other than cameras, binoculars and

spectacles) unless caused by fire or accident to the transport in which they are being

carried;

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FSB Licence Number: 15592

i. mechanical or electrical breakdown or derangement;

j. loss or damage to bonds, stamps, negotiable instruments, manuscripts, deeds,

securities or any kind or bullion;

k. loss or damage to sporting equipment or tools of trade whilst in use;

l. any claim that has not been reported to the police or transport carrier immediately and

a written police or irregularity report obtained;

m. loss or damage to unaccompanied luggage;

n. the first R500 claimed.

SECTION 12: LUGGAGE DELAY

If Your luggage has been delayed, misdirected or temporarily misplaced for a period in

excess of 12 hours, We will reimburse the cost of purchasing emergency essential items of

clothing and Personal Effects.

Written proof of delay from the transport provider must be submitted with any claim along

with receipts in support of the purchase of emergency, essential items of clothing and

Personal Effects.

EXCLUSIONS

We will not pay for any claim arising from:

a. Your failure to check in Your luggage according to the scheduled times;

b. delay, detention, destruction or confiscation by customs officials or other authorities;

c. delayed luggage at Your final destination.

SECTION 13: LOSS OF CASH AND/OR TRAVEL DOCUMENTS

We will reimburse You in respect of accidental loss of or damage to personal Cash (meaning

bank and currency notes and, coins), and non-refundable accommodation vouchers, prepaid

and non refundable entertainment tickets, the reissuing cost of existing travel tickets,

traveller’s cheques, credit cards, visas, passports and vouchers. In respect of money secured

for the purpose of the Journey, cover shall commence 72 hours prior to the start of Your

Journey or at the time of collection from the bank (whichever occurs latest) and shall

continue for 72 hours after the termination of Your Journey.

EXCLUSIONS

We will not pay for any claim arising from:

a. delay detention, destruction or confiscation by customs officials or other authorities;

b. wear and tear, mildew, the actions of insects, moth or vermin;

c. loss or damage to bonds, stamps, negotiable instruments, manuscripts, deeds,

securities of any kind or bullion;

d. any claim where You have not immediately reported the loss to the police and

obtained a written police report;

e. theft of Your travel documents, travelers cheques or credit cards by Your travelling

companion or a relative;

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FSB Licence Number: 15592

f. the first R500 claimed.

GENERAL EXCLUSIONS APPLYING TO THE ENTIRE POLICY:

We will not pay for any claim arising from;

a. Your participation in motor cycling except as a driver of a motor cycle with an

engine capacity of 200cc or less, provided that You hold a current legal motor cycle

driver’s licence. When You are the passenger, the driver must hold a current legal

motor cycle licence and cover is limited to motor cycles with an engine capacity of

200cc or less;

b. Your participation in underwater diving involving the use of any artificial breathing

apparatus, unless You hold an open water diving certificate or are diving under the

supervision of a qualified instructor;

c. Your participation in any hazardous or professional sport or activity including

hunting, racing (other than on foot), any organised bodily contact sport, football,

rugby, hang gliding, skydiving/parachuting, white water rapid rafting, ski jumping,

guided glacier walking, mountaineering using ropes, crampons, ice axes or guides

and potholing or where You are required to acclimatize to altitude;

d. consequential loss, loss of enjoyment or financial loss or expense not specifically

covered in this policy;

e. acute and chronic psychiatric or psychological or emotional illness of any kind,

suicide, attempted suicide, deliberate self-injury, insanity, depression, stress or any

similar syndrome;

f. the effect and influence of alcohol, drugs, narcotics upon You unless administered by

a member of the medical profession ;

g. sexually transmitted disease;

h. human Immunodeficiency Virus (H.I.V) or Acquired Immune Deficiency Syndrome

(A.I.D.S) or any condition related thereto;

i. flying or air travel of any kind other than

i. on a flight arranged by the Assistance Company or;

ii. flying as a passenger in any fully licensed passenger carrying aircraft (but not as a

member of the crew) and not for purpose of undertaking any trade or technical

operation therein;

j. any child born whilst on a Journey;

k. manual work in connection with a business or a trade;

l. any unlawful act committed by You or You not being honest and frank with all

answers, statements and submissions made in connection with any claim on this

policy;

m. Your exposure to or active participation in war, invasion, act of foreign enemy,

hostilities (whether war be declared or not), riot, civil commotion, civil war,

rebellion, revolution, insurrection, military or usurped power or any foreseeable act of

any person acting on behalf of or in connection with any organisation with activities

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FSB Licence Number: 15592

towards the overthrow by force of any Government (whether with legal authority or

not) or any foreseeable act of Terrorism or violence;

n. loss or destruction of, or damage to, any property whatsoever or any loss or expense

whatsoever resulting or arising there from or any consequential loss or other loss

directly or indirectly caused by or contributed to or arising from ionising radiation or

contamination by radio activity from nuclear fuel or from any nuclear waste from the

combustion of nuclear fuel. For the purpose of this exclusion only, combustion shall

include any self sustaining process of nuclear fission;

o. or in any way caused or contributed to by an act of War or Terrorism involving the

use or release or the threat thereof of any nuclear weapon or device or chemical or

biological agent;

p. any person who has attained the age of 76;

q. You travelling with the intention of emigrating;

r. You engaging in or taking part in armed forces service or operations

s. Your deliberate exposure to exceptional danger (except in an attempt to save human

life).

SPECIFIC PROVISO TO GENERAL EXCLUSION M

Exclusion “M” does not apply in respect of War and Terrorism Medical Expenses and

Personal Accident provided (as stated on the Schedule of Insurance) where Your

exposure (as defined in exclusion m) is not willful.

GENERAL CONDITIONS APPLYING TO THE ENTIRE POLICY:

It is a condition precedent to liability that:

a. You must be healthy and fit to travel. You will not be insured when You are

travelling against medical advice or when You are travelling with the intention of

obtaining medical treatment abroad;

b. The maximum known accumulation in respect of any benefits payable in respect

of any one accident or series of accidents shall be limited to R 10 000 000 per

travel ticket debited to a valid credit card issued by FirstRand Bank Limited

(which has been specifically nominated by the bank);

c. You shall:

i. always exercise reasonable care for the safety, security and supervision of

property at all times and must not leave property in an unattended public place,

unlocked building or unattended unlocked vehicle;

ii. take all reasonable precautions to minimise any loss and not to abandon any

damaged property;

iii. attempt to make a recovery from the airline and never leave an airport with a

damaged suitcase that has not been reported and a written report obtained;

d. claims must be notified promptly and submitted no later than 60 days along with the

requested supporting documentation after return to Your Country of Residence. The

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FSB Licence Number: 15592

costs of submitting claims and obtaining supporting documentation as We may

require shall be borne by You;

e. all claims other than Medical Expenses are only payable in the Republic of South

Africa in South African Rand on Your return to Your Country of Residence;

f. the maximum liability for each Section under this policy shall not exceed the relevant

Limit of Liability specified in the Schedule of Insurance;

g. You must observe all of the policy conditions insofar as they relate to anything to be

done by You;

h. In the event of the death of Accompanied Children the amount payable will be

subject to Article 53 of the Short-term Insurance Act, 1998.

i. We may at Our expense and in Your name, pursue any actions available to obtain a

claim recovery;

j. if any claim under this policy is covered by any other policy or policies of insurance

or medical aid schemes, We will never contribute more than Our equitable share of a

claim which will never exceed the Limit of Liability. This condition does not apply to

Section 3;

k. where You have purchased additional policies from Us, Our maximum payment will

never be more than the maximum Limit of Liability as stated on the policy with the

highest benefits;

l. in all cases the monetary limits shown in the policy are deemed to be South African

Rand;

m. this policy excludes all persons to whom a terminal prognosis has been given;

n. You reimburse Us within 30 days of receiving a written request to defray any

expense for which We are not responsible;

o. this insurance shall be governed by the Laws of the Republic of South Africa whose

Courts shall have sole jurisdiction in any dispute arising hereunder;

p. any summons, notice or process to be served upon Us for the purpose of instituting

any legal proceedings against Us in connection with this insurance must be served

upon Travel Insurance Consultants (Pty) Ltd, Ground Floor, Norfolk House, Norwich

Close, 5

Street, Sandown, 2196 who have authority to accept notice on Our behalf;

q. You are a resident of the Republic of South Africa, Botswana, Lesotho, Namibia and

/ or Swaziland You may be insured in terms of this policy;

r. You are not aware of any reason why the Journey should be cancelled or abandoned;

s. cover cannot be granted for a period in excess of 90 days.

DEFINITIONS

For the purpose of this policy the following definitions apply:

Accompanied Children: Your dependent children not in full-time employment and under

the age of 21 years or under the age of 25 provided they are in full time education who are

travelling with You on the Journey.

Travel Insurance Consultants FirstRand Bank Limited 2005: 2006 15

FSB Licence Number: 15592

Assistance Company: Shall mean the Company whom We have authorised to Assist,

Coordinate and Negotiate Claims.

Business Associate: A partner or director.

Country of Residence: Your place of usual domicile.

Immediate Family: Spouse, parent, legal guardian, step parent, grandparent, grandchild, in-

law (son, daughter or parent), natural or adopted child, brother, sister, step brother or step

sister.

Journey: Means a trip which begins during the period of insurance and commences when

You go through passport control from Your Country of Residence and continues for a

period of 90 days from the date of departure or until You enter passport control on Your

arrival back in Your Country of Residence, whichever occurs first. In respect of a local

Journey the trip begins during the period of insurance and commences when You board a

Public Conveyance Carrier and continues for a period of 90 days from the date of Your

embarkation or until You return to the original point of embarkation, whichever occurs first.

Permanent Total Disablement: Shall mean disablement which entirely prevents You from

following Your usual occupation or any other occupation for which You are fitted by

knowledge and training, which lasts 12 months and at the end of that period is beyond hope of

improvement, or You being permanently bedridden.

Reasonable and Customary Medical / Dental Expenses: means the charges which:

a. are medically required for treatment of a covered illness or injury;

b. do not exceed the charges normally levied for similar treatment, supplies or medical

services in the locality where the expenses are incurred;

c. do not exceed the charges for treatment that would have been made if no insurance

existed.

Personal Effects: Spectacles, dentures, purses, wallets, cosmetics and other Personal Effects

normally carried on the person.

Public Conveyance: Means a scheduled or chartered conveyance licensed to carry

passenger’s for hire in which You are travelling as a fare-paying passenger but excluding any

taxis, motorcycles, hired motor vehicles and any single engined aircraft (including

helicopters).

Sound Natural teeth: Shall mean natural teeth, unaffected by any deterioration and / or

decay and will exclude teeth with precious metals or any artificial fillings, caps or crowns.

Schedule of Benefits: Means the sections of cover as shown on Your Schedule of Insurance

to be applicable to Your policy.

Spouse: Your husband or wife or common-law husband or wife or partner (the person who

has been residing with You and who has been publicly represented by You as Your husband

or wife or partner).

Terrorism: Means an act, including but not limited to the use of force or violence and/or the

threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in

connection with any organisation(s) or government(s), committed for political, religious,

ideological or similar purposes or reasons including the intention to influence any government

and/or to put the public, or any section of the public, in fear.

Travelling Companion: The person who is sharing travel and accommodation arrangements

with You without whom such a Journey would not be possible.

Travel Insurance Consultants FirstRand Bank Limited 2005: 2006 16

FSB Licence Number: 15592

Traumatic Event: Means serious personal trauma experienced by You or a member of Your

immediate family involving kidnap, carjack, rape, armed robbery at home or violent assault.

We, Us, Our, Insurer: Travel Insurance Consultants (Pty) Ltd and/ or Santam Limited.

You, Your: Means the individual named on the Schedule of Insurance and / or the individual

named on the Public Conveyance ticket who’s Journey has been debited, in full to a valid

credit card issued by FirstRand Bank Limited(which has been specifically nominated by the

Bank).

Travel Insurance Consultants FirstRand Bank Limited 2005: 2006 17

FSB Licence Number: 15592

SCHEDULE OF BENEFITS (Persons up to the age of 75 (not yet 76)

Limit per travel ticket purchased

Description Local International

Section 1

Emergency Medical and Related Expenses R 175 000 R 10 000 000

Excess R 1 000 R 2 000

War or Terrorism R 1 000 000 R 1 000 000

Excess R 1 000 R 2 000

Related Expenses

1.1.1 Medical Transportation and Repatriation Included in Emergency Medical Expenses

1.1.2 Visit by a family member Included in Emergency Medical Expenses

1.1.3 Return of Children Included in Emergency Medical Expenses

1.1.4 Return of Travel Companion Included in Emergency Medical Expenses

1.1.5 Burial, Cremation and Return of Mortal remains Included in Emergency Medical Expenses

1.1.6 Hospital Inconvenience R 200 / day – Total of R 3 000

Section 2 Local International

Pre-Existing Medical Cover R 100 000 R 100 000

Minimum Delay Period 48 hours 48 hours

2.1.1 Transportation and Repatriation Included in Pre-Existing Medical Cover

Section 3

3.1 Medical Referral Service Only

3.2 Medical Monitoring Service Only

3.3 Emergency Medicine Service Only

3.4 Evacuation Refer to Section 1.1.1

3.5 Repatriation Refer to Section 1.1.1

3.6 Return of Mortal Remains Refer to Section 1.1.5

3.7 Transmission of Urgent Messages Service Only

3.8 Embassy Referral Service Only

3.9 Emergency Travel and Accommodation

Arrangements Service Only

3.10 Legal Assistance Refer to Section 9

3.11 Bail Service Only

3.12 Return in case of death or imminent death of a

close Relative Service Only

3.13 Loss of Travel Documents Refer to Section 13

3.14 Cash advances Service Only

Section 4 Local International

Personal Accident whilst on a Public Conveyance R 750 000 R 750 000

Personal Accident whilst not on a Public Conveyance R 250 000 R 250 000

Personal Accident as a result of acts of War or

Terrorism R 250 000 R 250 000

Section 5

4.1 Cancellation R 10 000 R 10 000

Excess R 500 R 500

4.2 Curtailment R 10 000 R 10 000

Excess R 500 R 500

Section 6

Travel Delay R 2 000 R 2 000

Minimum Delay Period 12 hours 12 hours

Travel Insurance Consultants FirstRand Bank Limited 2005: 2006 18

FSB Licence Number: 15592

Section 7

Personal Liability R 2 500 000 R 2 500 000

Section 8

Hijack, Hostage or Wrongful Detention Inconvenience R 10 000 R 10 000

Benefit per day R 750 R 750

Section 9

Legal Expenses R 5 000 R 5 000

Section 10

Replacement Personnel R 10 000 R 10 000

Section 11

Luggage R 3 000 R 3 000

Excess R 500 R 500

Maximum Insured Value Per Item R 1000 R 1000

Section 12

Luggage Delay R 2 000 R 2 000

Minimum Delay Period 12 hours 12 hours

Section 13

Loss of Cash and / or Travel Documents R 1 500 R 1 500

Excess R 500 R 500