IVF Policy Wording

Policy Wording

Underwritten by certain underwriters at Lloyd’s

Insuring Clause

This Certificate of Insurance covers people travelling on a Trip during the Period of Insurance to receive the Treatment listed in the schedule. The person travelling to receive the Treatment is defined as “You” for the purposes of this insurance. If selected, this insurance also provides cover to a nominated person travelling with You (called a “Companion” for the purposes of this insurance). Covered Person(s) means both You and Your Companion.

Please note that We will NOT pay for any medical expenses or legal costs incurred in relation to Your Treatment except if You have a life-threatening complication that occurs during the planned Treatment. This Certificate of Insurance explains in full, the terms, conditions and exclusions and the claims procedure. Please take the time to read through this document carefully and make sure that the cover provided is suitable for Your needs.

Fraudulent Claims

If You make a fraudulent claim under this insurance, We:

• Are not liable to pay the claim; and
• May recover (from You) any sums paid by Us to You in respect of the claim; and
• May, by notice to You, treat the contract as having been terminated with effect from the time of the fraudulent act

Important Notice

It is important that:

• You check that the cover You have requested is included in the schedule;
• You check that the information You have given us is accurate – see the “Information You have given

Us” section;

• You notify Medical Travel Shield as soon as practicable of any inaccuracies in the information You

have given Us;

• You comply with Your duties under each section and under the insurance as a whole.

How to make a complaint

Our aim is to ensure that all aspects of Your insurance are dealt with promptly, efficiently and fairly. At all times We are committed to providing You with the highest standard of service.

How to Cancel this Policy

You can cancel this insurance at any time by contacting Medical Travel Shield.

General Definitions

Some words and phrases in this Certificate of Insurance will always have the same meaning wherever they appear. To make them easier to recognise, the words are capitalised in bold.

Any terms and conditions of Your insurance will be supplied in English and We will communicate with

You in English.

Interpretation

1. The headings in this Certificate are inserted for convenience only and shall not affect its construction.
2. The use of singular or plurals is used for illustration only.

Where the following terms are used in this Certificate they have the following meaning:

General Conditions

Applicable to ALL parts of this Certificate

Contracts (Rights of Third Parties) Act 1999 Clarification Clause

We do not intend any third parties to this contract to have the right to enforce the terms of this contract. Only You and Us can enforce the terms of this contract. You and We can vary or rescind the contract without the consent of any third party to this contract who may assert they have rights under this Contracts (Rights of Third Parties) Act 1999.

Other Insurance

We will not pay any indemnity claim if any loss, damage payment, or liability under this Certificate is also covered wholly or in part under any other insurance except in respect of any excess beyond the amount which would have been covered under such other insurances had this Certificate not been effected.

Subrogation

If a Covered Person is injured by or if death is caused by someone else’s negligence and We pay a claim under this Certificate, We may wish to attempt to recover from that person or organisation some or all of the amounts We have paid. The Covered Person agrees that We can, therefore, take over the legal rights and remedies against anyone who is responsible for the event(s) which led to the claim, but only in relation to, and to the extent of, any payment made to a Covered Person under this Certificate. If We choose to do this, We will be responsible for all costs incurred in pursuing a recovery of costs We have paid.

The Covered Person must fully co-operate with Us and give Us any assistance We need to help Us to recover some or all of the amounts We have paid under this Certificate. This includes, but is not limited to (to the extent necessary), transferring to Us the Covered Persons rights to take action but only in relation to, and up to, the amount paid by Us under this Certificate.

Interest

No sum payable under this Certificate of Insurance shall carry interest.

Limitation

In no case shall Our liability exceed the largest sum insured stated in the schedule.

Sanction(s) Restrictions

No (re)insurer shall be deemed to provide cover and no (re)insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that (re)insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

Geographical area

This Certificate does not cover Treatment in the UK.

Cover applies Worldwide excluding the United States and Hazardous Territories for the duration of the Trip.

Reciprocal health agreement

If a Covered Person visits a country in the European Union they should ensure that they have a European Health Insurance Card (EHIC). This entitles them to the benefit of the reciprocal health agreement which exists between European Union countries. If any medical costs incurred have been reduced by the use of an EHIC We will waive any excess applicable under Section 1.1 Medical and Additional Expenses in respect of such costs.

Automatic extension

If You are unable to return home before the expected return date of a Trip for reasons beyond Your control, which are not related to the Treatment, cover will be extended without charge until You return to the UK. If the reason You are unable to return before the expected return date is that You have been Hijacked, cover shall continue whilst You are subject to the control of the person(s) or their associates making the Hijack during travel direct to Your home and/or original destination, up to twelve (12) months from the date of the Hijack.

Law Applicable

This Certificate is subject to the Laws in England and Wales. Any dispute relating to this Certificate will be subject to the jurisdiction of the courts of England and Wales.

Cover for People with pre-existing medical conditions

This Certificate does NOT cover pre-existing medical conditions other than any existing condition directly related to the Treatment being sought and for which the Trip is booked.

See general exclusions.

Several Liability

The subscribing Insurers’ obligations under contract of insurance to which they subscribe are several and not joint and are limited solely to the extent of their individual subscriptions. The subscribing Insurers are not responsible for the subscription of any co-subscribing Insurer if for any reason does not satisfy all or part of their obligations.

Changes to the Certificate

We reserve the right to make any change or alteration to the terms and conditions of this Certificate for the following valid reason: in the event of any change in the law affecting this Certificate or Us. We will give You Thirty (30) days’ notice of any changes by writing to You at Your last known address. If You are not happy with the alteration, You have the right to cancel Your insurance (see the section headed How to Cancel Your Policy).

Currency

All premiums and benefits are payable in Sterling in the UK.

Payment of benefit

Any benefit payable in accordance with this insurance, except benefit payable in respect of death, will be paid to You.

Payment of any death benefit will be payable to the executor(s) or personal representative(s) of the deceased Insured Person’s estate.

General exclusions

Note: In addition to the general exclusions there are exclusions which apply to each section

We will not be liable for claims in respect of:

1. any Trip which is booked or commenced by a Covered Person:
   • contrary to medical advice,
   • after a terminal prognosis has been made,
   • in order to undergo medical care and attention of any kind that does not constitute the Treatment (as defined in this Certificate) being undertaken by You.

2. a Covered Person being past their 77th birthday during the Period of Insurance.
3. Your planned Treatment was not carried out at a hospital/clinic or dental surgery that is properly regulated in the country in which it is situated and/ or if the health professionals who carried out Your Treatment were not registered or qualified, in the speciality for which You are seeking treatment, in accordance with the regulations of the country in which they practice.
4. Your dissatisfaction with the results of the Treatment.
5. a pre-existing medical condition. A pre-existing medical condition means any condition, injury, illness, disease or related condition and/or associated symptoms for which:
   • A Covered Person was undergoing or awaiting any diagnostic tests, test results, or medical investigations when You applied for this Certificate, or
   • a diagnosis had not been made when You applied for this Certificate, or
   • A Covered Person having been prescribed medication, undergone surgery or any procedure, or received therapy or rehabilitation in the two year period before You applied for this Certificate, or
   • A Covered Person required to have regular check-ups by a doctor or nurse when You applied for cover under this Certificate.
     Please note that any diagnosis or tests, medical care or advice directly in relation to the condition for which You are seeking Treatment will NOT be considered as a pre-existing condition.

6. a Covered Person participating in manual labour or in a Hazardous Pursuit or any other activity that could reasonably be considered as hazardous.
7. a Covered Person participating in motor competitions, sporting competitions of any kind, professional sport or professional entertaining.
8. a Covered Person’s intentional self-inflicted injury, suicide or attempted suicide, provoked assault, fighting (except in self-defence) or from their own criminal act or whilst engaged or taking part in civil commotions or riots of any kind.
9. a Covered Person being under the influence of alcohol or drugs (including substance abuse) unless taken as prescribed by a registered medical practitioner and not for the treatment of drug addiction.
10. a Covered Person’s deliberate exposure to exceptional danger, other than in an attempt to save human life.
11. flying, except as a passenger in an aircraft licensed to carry passengers.
12. a Covered Person travelling to or through any Hazardous Territory.
13. the tour operator, airline or any other company, firm or person becoming insolvent, or being unable or unwilling to fulfil any part of their obligation to You.
14. operational duties or active service as member of the armed forces.
15. any condition caused by, prolonged by, or aggravated by any psychiatric, mental or nervous disorder, including anxiety and/or depression, or body dysmorphic disorder.
16. pregnancy, childbirth or associated medical complications if delivery is expected during a Trip or within three months after a Trip has ended.
17. nuclear reaction, nuclear radiation or radioactive contamination.
18. any claim directly or indirectly caused by or arising from: War, Acts of Terrorism, or a Covered Person engaging in Active War. In this exclusion:

“War” means:

• war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; or
• any act of terrorism, or any activity arising out of or attempt to participate in the use of military force between nations.

“Terrorism” means
an act, including but not limited to the use or threat of force and/or violence, of any person or group(s) or 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.

“Active war” means
the active participation in a war by a Covered Person who is deemed under English Law to be under instruction from or employed by the armed forces of any country.

19. the actual or threatened use of pathogenic or poisonous biological or chemical materials by any person(s), committed for political, religious, ideological, or similar purposes with the intention to influence any government and/or to put the public or any section of the public in fear.
20. Hazardous Pursuits and Sporting Activities

This Certificate DOES NOT cover a Covered Person’s participation in any of the Hazardous Pursuits listed immediately below:

We will not provide any cover for a claim which is in any way caused by, or results from, any disease, or the fear or threat of any disease, which:

• Is notifiable to the government or a local authority under any law, order, act or statute; and/or
• Is declared a Public Health Emergency of International Concern (PHEIC) by the World Health Organisation

However, this exclusion does not apply to sections 1.1, 1.2, 1.3, 1.6, 1.7, 1.10, 1.11, 1.12 and 1.13 of Your

policy, if within 14 days of the start date of Your Trip or whilst on a Trip:

• You or a travelling companion are diagnosed with Covid 19;
• if a Relative is hospitalised with Covid 19;
• You, a travelling companion or a Relative die from Covid 19.

Cyber Clause

We will not pay any claim which is caused by, contributed to by or arises out of:

• the use of, or inability to use, any application, software, or programme in connection with any electronic equipment (for example a computer, smartphone, tablet or internet-capable electronic device);
• any computer virus;
• any computer related hoax relating to i and/or ii above.

However, this exclusion does not apply to the following sections of Your policy if a Covered Person suffers

Bodily Injury or illness which is accidentally caused by, contributed to by or arises out of i, ii or iii above:

• Section 1.1 – Medical and Additional Expenses
• Section 1.2 – Cancellation and Curtailment
• Section 1.6 – Personal Accident

In respect of Section 1.2 – Cancellation and Curtailment, We will also provide this cover for any member of the group travelling with a Covered Person, any person with whom a Covered Person intends to reside during the Trip, and a Relative if their Bodily Injury or illness necessitates an Covered Person’s presence in the UK.

1. Cover under this insurance

Covers under Section 1.1 to 1.12 apply to each Covered Person. Covers under section 1.13 only apply to

You.

1.1 Medical and Additional Expenses

If within the Period of Insurance a Covered Person suffers Bodily Injury or illness during a Trip, We will pay up to GBP 2,000,000 (excess of GPB 100) for each Covered Person for the necessary expenses incurred as listed below.

Please note that We will NOT pay for any medical expenses incurred in relation to Your Treatment except if You have a life threatening complication that occurs during the planned Treatment and is secondary to the pre-agreed Treatment plan prior to departure.

• Normal and necessary expenses incurred outside the UK for medical or surgical care or procedures including specialists’ fees, emergency dental work, emergency ophthalmic fees, hospital, nursing home and nursing attendance charges, physiotherapy, massage and manipulative care, surgical and medical requisites and ambulance charges.
• Reasonable additional travel, accommodation and repatriation expenses incurred by a Covered Person and any Relative, friend or business associate who on medical advice has to remain or travel with the injured or ill person.
• Reasonable travel and accommodation expenses of one person to travel from the UK if their presence with a Covered Person is necessary on medical grounds.
• Reasonable expenses for either transporting a Covered Person’s remains or ashes to their former place of residence in the UK or funeral expenses incurred abroad.
• Expenses incurred with the prior consent and authorisation of the medical advisors at the Assistance Company for the provision of an air ambulance or the use of air transport, including qualified attendants, to repatriate the seriously ill or injured person to the UK.

Specific Exclusions applicable to Section
1.1 We shall not be liable to pay for:-

• the amount of the excess.
• any expenses incurred in the establishment that is performing the planned Treatment.
• any repatriation expenses incurred without the prior approval of the Assistance Company.
• the costs of continuing regular medication for any condition for which medical advice or care is being followed at the time of booking or commencing a Trip, nor for any travel, accommodation or other expenses incurred in connection therewith.
• any expenses incurred more than 12 months after the date the first expense was incurred, or any continuing expenses incurred after a Covered Person is fit to travel and has refused the option of repatriation to the UK.
• any claims consequent upon any sexually transmitted disease.
• any claims for repatriation on the grounds of the fear of contracting AIDS, ARC or HIV from medical care or procedures.
• anything included within the general exclusions.

1.2 Cancellation and Curtailment

We will pay up to GBP 5,000 (excess GBP 100) for each Covered Person for any irrecoverable payments paid or contracted to be paid for travel, accommodation and unused pre-booked excursions (including reasonable additional travel and accommodation expenses incurred for return to the UK ) should the planned Trip be cancelled before commencement or curtailed before completion, directly as a result of:

• Death, Bodily Injury, illness or compulsory quarantine of:-
  1. a Covered Person, or
  2. any member of the group travelling with a Covered Person, or
  3. any person with whom a Covered Person intended to reside during the Trip, or
  4. any Relative necessitating a Covered Person’s presence in the UK.
• Summoning to jury service or witness attendance in a court of the UK or unavoidable requirement of a Covered Person’s presence, or any member of the travel party, to be in the UK for service in any military or civil emergency.
• Major damage due to storm, flood or fire, or burglary at the home of:-
  1. a Covered Person, or
  2. any member of the travel party, or
  3. any person with whom a Covered Person intends to reside during the Trip.
• Adverse weather conditions making it impossible for a Covered Person to travel to the point of departure at commencement of the outward Trip.

Cover under this section is extended to include non-refundable deposits paid in respect of Treatment booked for You to be carried out outside of the UK. Any amount payable will be included in the overall maximum of GBP 5,000 payable under this Section 1.2.

Specific Exclusions applicable to Section
1.2 We shall not be liable to pay for:

• the amount of the excess,
• any claims attributed to any condition or set of circumstances known to a Covered Person at the time of booking a Trip, where such condition or set or circumstances could reasonably have been expected to give rise to cancellation or curtailment of a Trip,
• any claims where medical or other suitable evidence is not provided as proof of the necessity to cancel or curtail a Trip,
• any claims consequent upon any sexually transmitted disease,
• deposits for medical care and attention which could be rearranged to take place on an alternative date without forfeit of the said deposit,
• anything included within the general exclusions.

1.3 Journey Continuation

We will pay up to GBP 500 (excess GBP 100) for each Covered Person for additional travel and accommodation expenses incurred in meeting a reserved mode of transport, travel connection, reaching reserved accommodation or upon return to the UK if at commencement of, or during a Trip a Covered Person misses a reserved air, sea, coach or rail journey through any of the following contingencies directly affecting the means of transport in which a Covered Person is travelling or intending to travel:-

• if travel is by non-scheduled transport, interruption caused by strike, locked out workers, industrial action, riot or civil commotion, bomb scare, criminal or terrorist action, Hijack, fire, avalanche, landslide, earthquake, flood, or accident to or mechanical breakdown of such non- scheduled transport, an official warning issued by the UK government advising against travel to or through a country that forms a major part of the pre-booked itinerary, or travel restrictions by the government of the country in question against free passage of UK passport holders.
• if travel is by scheduled public transport, the events specified above, and adverse weather conditions.

Specific Exclusions applicable to Section
1.3 We shall not be liable to pay for:

• the amount of the excess,
• any claims arising out of any contingencies specified above, if they had already started or been forecast before the Trip was booked.
• anything included within the general exclusions.

1.4 Travel Delay

If during the Period of Insurance and during a Trip the aircraft, sea vessel, coach, or train on which a Covered Person is booked to travel be delayed as a result of strike, locked out workers, industrial action, riot or civil commotion, bomb scare, criminal or terrorist action, Hijack, fire, avalanche, landslide, earthquake, flood, adverse weather conditions, or accident to or mechanical breakdown of such passenger transport, then We will pay for each a Covered Person:-

• GBP 25 for each completed 12 hour period for which a Covered Person is delayed, for a maximum of 48 hours, or
• Up to GBP 5,000 under Section 1.2, Cancellation and Curtailment in the event of delay of at least 24 hours for any irrecoverable payments paid or contracted to be paid in respect of travel and accommodation in the event of the cancellation of a Trip.

Specific Exclusions applicable to Section 1.4
We shall not be liable to pay for:

• the amount of excess applicable to Section 1.2 for Cancellation and Curtailment,
• any claims attributed to any condition or set of circumstances known to a Covered Person at the time of booking a Trip, where such condition or set of circumstances could reasonably have been expected to give rise to a claim under this Section,
• any claims arising directly or indirectly out of a Covered Person’s failure to check in according to the itinerary supplied to them, and obtain written confirmation from the carriers, or their handling agents, of the number of hours delay and the reason for such delay,
• anything included within the general exclusions.

1.5 Personal Liability

If within the Period of Insurance and during a Trip, a Covered Person becomes legally liable to pay claims for bodily injury to the public or accidental loss of or damage to property, We will indemnify up to GBP 1,000,000 (excess GPB 250) for each Covered Person for any one event or series of events, including legal expenses up to a maximum of GBP 25,000 per Covered Person

Specific Conditions applicable to Section 1.5

• A Covered Person must not make any admission of liability whatsoever, or make any arrangements, offer, promise or payment without Our written consent.
• We shall be entitled, if We so desire, to take over and conduct in a Covered Person’s name, the defence of any claim or to prosecute in their name for their own benefit any claims for indemnity or damages or otherwise against any third party and shall have full discretion in the conduct of any negotiations or proceedings or the settlement of any claim. A Covered Person shall, wherever possible, give all such information and assistance as We may require.
• No endorsement or amendment to this Certificate will override the exclusions applicable to this section.
• We reserve the right to withdraw from legal proceedings at any stage and to limit Our liability to the expenses incurred during the period up to but not beyond the date of withdrawal.
• A Covered Person or their legal personal representatives will give notice in writing to Us as soon as reasonably possible after any event, occurrence, or circumstance which may give rise to a claim under this Section and will provide full details of the event, occurrence or circumstance.
• Every claim notice, letter, writ or process or other document served on a Covered Person shall be forwarded to Us immediately on receipt of the same.
• Notice in writing shall be given to Us by a Covered Person of any impending prosecution, inquest or fatal accident inquiry in connection with any such event.

We shall be entitled at any time and at Our own discretion to pay to a Covered Person the sum insured stated in the Schedule less any costs incurred by Us or any lesser sums for which any claim or claims under any section of this Certificate can be settled. In this event We shall not be under any further liability.

Specific Exclusions applicable to Section
1.5 We shall not be liable to pay for:-

• the amount of the excess.
• any claims arising out of Bodily Injury to any member of a Covered Person’s family or employees or any other person named in the Schedule.
• any claims arising out of accidental loss or damage to, property belonging to or in the care, custody or control of a Covered Person’s or any member of their family.
• any claims arising out of the ownership, possession or use of any horse drawn or mechanically propelled vehicle (other than golf buggies), aircraft, waterborne craft (other than sailboards, canoes, rowing dinghies, foot or hand propelled paddle boats, and inflatable dinghies), firearms or animals, caravan, vehicular trailer.
• any claims arising out of the ownership, possession, occupation or use of lands or buildings.
• any claims arising out of a Covered Person’s profession, occupation or business of a Covered Person or arising out of liability assumed under a contract, if such liability would not otherwise have attached.
• legal expenses incurred without Our prior written approval.
• claims against Us or anyone acting on Our behalf, or a travel agent, tour operator or carrier.
• claims against any medical practitioner or medical assistant.
• the continued pursuit of any claim where We consider a Covered Person does not have a likely prospect of establishing a legal liability against the party being pursued and of recovering charges from such party.
• legal actions between any person covered under this Certificate of Insurance.
• legal actions to obtain satisfaction of a judgement or legally binding decision, or legal proceedings brought in more than one country.
• legal expenses which constitute a valid claim under any other insurance certificate beyond Our rateable share of any claim costs.

• claims arising directly or indirectly in connection with:

• any participant to participant injury whilst participating in or practicing for any sporting event or similar event
• any fine or penalty

• employers liability.
• contractual liability.
• liability that is covered under any other insurance, except for any excess beyond the amount which would have been covered under such other insurance had this insurance not been in force.
• punitive and exemplary damages in respect of the United States of America or Canada.
• liability attaching to a Covered Person by reason of an express term of any contract unless such liability would have attached to a Covered Person in the absence of such agreement.
• liability whilst acting in the capacity as an officer or member of a club or association.
• any kind of pollution and all loss, damage or injury directly or indirectly caused by such pollution or contamination. Pollution shall mean pollution or contamination by naturally occurring or

man-made substances, forces, organisms or any combination of them whether permanent or transitory.

• any circumstance that occurs before the start date of this insurance.
• any legal costs relating to the planned Treatment.
• anything included within the general exclusions.

1.6 Personal Accident

If during the Period of Insurance and during a Trip a Covered Person sustains Bodily Injury which results in Accidental death, Loss of Limb(s), Loss of Eye(s) or Permanent Total Disablement as a result of an Accident, We will pay the amounts specified in the table of benefits below and includes Accidental death whilst undergoing the surgical operation during Treatment.

Specific Conditions applicable to Section 1.6

• We will not pay for more than one of the benefits 1 – 3 in the Table of benefits above in respect of the same Accident.

1.7 Hospital benefit

We will pay GBP 50 for each complete 24 hour period a Covered Person spends as an in-patient in a hospital outside the UK, other than time spent as an in-patient in relation to the Treatment, up to a maximum of GBP 1,500.

Specific Exclusions applicable to Section
1.7 We shall not be liable to pay for:

• any claims consequent upon any sexually transmitted disease
• anything included within the general exclusions

1.8 Accompanied Baggage, Clothing or Effects and Money

If during the Period of Insurance and during a Trip a Covered Person suffers loss of or damage to accompanied Property and/or Money (including reasonable expenses incurred as a result of loss of Money), We will pay up to GBP 3,500 (excess GBP 100) for each Covered Person, subject to:-

• the amount of the excess
• the limit for Property which is stated in the Schedule,
• a limit of GBP 1,000 any one article or pair or set of articles,
• A limit of GBP 250 for Money Property delay extension

If accompanied Property is temporarily lost for more than 12 hours by the carrier, We will pay up to GBP 100 for the purchase of immediate necessities, but such payment will be deducted from the final claim if the loss becomes permanent. Receipts for such purchases must be provided.

Specific Conditions applying to section 1.8

• In the event of any loss or damage a Covered Person should take all reasonable steps to make a recovery. If a comparable replacement is purchased, We will pay the cost (up to the maximum allowed on the schedule), providing that the original article was less than 2 years old at the time of loss and that proof of purchase is provided. For articles more than 2 years old, or which are not replaced, or for which proof of purchase cannot be provided, payment will be based on the value of the article at the time of loss, or the cost of repair.
• In respect of foreign currency, cover applies from the time of collection from a bank or travel agent or from 3 days before commencement of a Trip, whichever is the later, and up to 2 days after completion of a Trip, or time of conversion or encashment, whichever is the earlier.
• a Covered Person must take all necessary steps to safeguard their property and to recover any property or Money lost.

Specific Exclusions applicable to Section
1.8 We will not pay for:

• the amount of the excess.
• any claims due to moth, vermin, wear and tear and gradual deterioration, or Money shortages due to error, omission or depreciation in value.
• any claim for a single article, pair or set or greater value than GBP 1000 unless You have provided an original purchase receipt or other proof of ownership for the article, pair or set.
• any claims in respect of Money not reported to the police or appropriate authority.
• any claims arising from confiscations or detention by customs or any other authority.
• any claims in respect of Valuables or Money whilst in the custody of a carrier, any claims arising out of electrical and/or mechanical breakdown.
• any claims arising from the fraudulent use of credit cards, charge cards or banker’s cards.
• loss of or damage to hired clothing and hired equipment of any kind.
• loss of damage to household effects.
• theft or attempted theft of Valuables when unattended other than when securely locked in a building or securely locked out of sight inside a motor vehicle.
• devaluation of currency or shortages due to errors or omissions during monetary transactions,
• anything included within the general exclusions.

1.9 Loss of Passport

We will pay up to GBP 250 to each Covered Person for reasonable expenses incurred in obtaining a replacement passport, tickets and other travel documents should the original be lost or stolen during the Period of Insurance.

Specific Conditions applicable to Section 1.9

• A Covered Person must take all necessary steps to safeguard their property and to recover any property lost.

Specific Exclusions applicable to Section
1.9 We will not pay for:

• anything included within the general exclusions.

1.10 Travel and accommodation over and above the Normal Recovery Period

In the event that You need to stay at Your destination for a time longer than the Normal Recovery Period We will pay You the following:

• GBP 50 per day allowance;
• accommodation costs; and
• 1 x economy single Air Fare,

This benefit is payable until You are deemed fit to fly by a Qualified Medical Practitioner and are booked on the first reasonable economy flight or up to a maximum total claim of GBP 1,500, (excess GPB 100) whichever occurs first.

provided that;

• You supply Us with a copy of the consultation issued prior to the Trip by the Qualified Medical Practitioner at the hospital where the procedure is carried out and this report confirms the Normal Recovery Period.
• You supply to Us written confirmation from the Qualified Medical Practitioner who carried out the Treatment that a longer recovery period after the Treatment is necessary and how long it should last.
• You supply proof satisfactory to Us that You have had to amend Your travel plans. The original travel plans must have been consistent with the Normal Recovery Period outlined by the Qualified Medical Practitioner.

1.12 Sporting and Leisure

The Certificate of Insurance DOES cover the sporting and leisure activities listed immediately below provided that:

• participation is only for recreational purposes and not competitions or professional purposes or as part of an organised team, and
• all appropriate safety equipment is worn and/or used. Please see the lists below:

Also included:

SCUBA diving to a maximum depth of 30 meters provided that a Covered Person holds a British Sub Aqua Club or equivalent certificate of proficiency for the dive to be undertaken, or they are under the direct supervision of a qualified instructor and diving with proper equipment and not contrary to BSAC codes of good practice.

Cover will not apply to:

• solo, cave, wreck or ice diving;
• diving for hire or reward;
• diving within 24 hours of flying or flying within 24 hours of diving; and
• diving whilst suffering from any medical condition likely to impair Your fitness to dive.
• diving to depths greater than 30 metres.

1.13 Further medical consultations after discharge from hospital following Treatment

This section only applies to You.

If You require further medical consultation at the place of Treatment after Your discharge and prior to Your return to the UK, We will pay for reasonable medical expenses necessarily incurred in relation to the Treatment, up to a maximum amount of GBP 400. Medical expenses will be limited to consultation fees and medication costs incurred after You have been discharged from the hospital by a Qualified Medical Practitioner and You have been provided with a medical certificate confirming that You are fit to travel.

Specific Exclusions applicable to Section
1.13 We will not pay for:

• anything included within the general exclusions.

Important Information

Tax

The benefits from this insurance may be subject to tax depending upon the personal circumstances of the insured and beneficiaries

General Data Protection Regulation

Within this Personal Information Notice, the following defined words shown in bold will have the meaning set out below:

• We/Us/Our
  shall mean Sure Insurance Services Limited trading as Medical Travel Shield.

• You/Your
  shall mean the Certificate-Holder.