Destinations Travel - Senior Cover

Senior Cover

Any person who is over the age of 69 years can only be insured with the Senior Cover option. There are two classifications - Seniors (up to the age of 79 years) and Super Seniors (up to the age of 84 years).

The insurance cover is also internationally valid, but there are limitation on the covered events and the duration of the trip.

Details of insured event:	Seniors 70-79 years incl.	Super Seniors 80-84 years incl.
1 Medical & related expenses
1A Medical expenses	N$ 5,000,000	N$ 500,000
Excess - Insured journeys less Than 6 months	N$ 1,000	N$ 1,500
Excess - Insured Journeys 6 Months and longer	Nil	Nil
Medical expenses terrorism extension	Nil	Nil
Pre-existing medical extension (hospital admission longer than 46 hours	Nil	Nil
1B Medical evacuation, repatriation or transport to medical centre expenses	N$ 500,000	N$ 500,000
1C Optical expenses - bodily injury	Included	Included
- illness	N$ 5,000	N$ 5,000
1D Dental expenses - bodily injury	included	included
- illness	N$ 5,000	N$ 5,000
1E Hospital confinement benefit (N$ 500 per day)	Nil	Nil
1F Follow up treatment in Namibia - insured event	N$ 3,000	N$ 3,000
- Malaria	Nil	Nil
2 Personal Accident
2A 24 hour	Nil	Nil
2B Public conveyance cover - air only	Nil	Nil
Personal accident terrorism extension	Nil	Nil
2C Education fund supplement	Nil	Nil
3 Travel Guard
3B Visit by a family member	N$ 10,000	N$ 2,500
3C Return of children	N$ 10,000	N$ 2,500
3D Return of travel companion	N$ 10,000	N$ 2,500
3E Alternative employee or resumption of assignment expenses	Nil	Nil
3F Legal assístance abroad	N$ 7,500	N$ 2,500
3G Motoring bail bond (advance only)	N$ 2,000	N$ 1,000
3H Return of mortal remains or burial expenses	Actual expense	Actual expense
3I Coffin expenses	N$ 10,000	N$ 10,000
4 Cancellation or Curtailment
4A Cancellation	N$ 10,000	N$ 5,000
4B Curtailment	N$ 10,000	N$ 5,000
Excess	N$ 500	N$ 500
5 Baggage, Money, Credit Cards & Travellers Cheques and Baggage Delay
5A Theft or damage of baggage	N$ 10,000	N$ 5,000
Baggage single item limit - theft or damage	N$ 2,500	N$ 1,250
Accidental loss of baggage	N$ 2,500	N$ 1,250
Baggage single item limit - accidental loss	N$ 625	N$ 310
Excess	N$ 500	N$ 500
Theft of money and credit cards & travellers cheques	N$ 1,000	N$ 750
Single item limit - theft of money and credit cards & travellers cheques	N$ 250	N$ 200
Excess	N$ 500	N$ 500
5B Baggage delay (delayed for more than 6 hours)	N$ 750	N$ 250
6 Travel Delay & Missed Connection
6A Travel delay (delayed for more than 4 hours)	N$ 750	N$ 250
6B Missed connection (more than 6 hours)	N$ 1,000	N$ 750
7 Personal Liability	N$ 2,000,000	N$ 500,000
Excess	N$ 1,000	N$ 1,000
8 Hijack, Kidnap, Wrongful Detention
8A Hijack - after 12 hours	N$ 5,000	N$ 2,500
8B Kidnap and wrongful detention	Nil	Nil
9 Natural Disaster	Nil	Nil
Excess	Nil	Nil
10 Identity Theft	Nil	Nil
11 Cattery & Kennels (N$ 125 per day up to 30 days)	Nil	Nil
12 Ticket Upgrade	Nil	Nil
Excess	Nil	Nil
13 Student Cover - Reimbursement of study fees	Nil	Nil
14 Motor Hijack
14A Personal accident	N$ 5,000	N$ 5,000
14B Post traumatic stress	N$ 2,500	N$ 2,500
Accumulation Limit	N$ 5,000,000	N$ 500,000

Costs:

Senior Cover	Seniors Age: 70-79 incl.	Super Seniors Age: 80-84 incl.
1-7 days	N$ 836	N$ 1,157
8-15 days	N$ 1,843	N$ 2,430
16-31 days	N$ 3,050	N$ 4,320
32-62 days	N$ 4,550	N/A
63-92 days	N$ 5,460	N/A

Please note:

The above mentioned insurance cover limits and costs are subject to change without prior notice.
No benefits will be paid to persons 70 years of age and older if the claim is as a resultof any cardiac, cardio vascular, vascular or cerebro vascular illness or condition.
Please also refer to the Policy Wording, which explains the insurance terms and conditions more in details. You will find the Policy Wording in the download section.