Travel Insurance Certificate

Policy #: 2026/CTS/328338 Issuing Date: 16-06-2026

Policy Information: Group
Product Chosen: Al Manara - Low End Plan: Multiple Trips
Zone Chosen: Worldwide Excluding Schengen Duration: 15 Days
Inception Date: 27-06-2026 Expiry Date: 11-07-2026
Remove Deductible: No Sports Activities: Not Included
Destinations: Colombia
Beneficiary Information:
First Name: KARIM Country of Residence: Jordan
Middle Name: MOHAMMAD NOUR Nationality: Syria
Last Name: DRAK ALSIBAI Passport N.: N02100377
Date of Birth: 20-07-2024 Age: 2
Table of Benefits:
Benefits Limits Benefits Limits
Emergency medical evacuation $15,000 Emergency medical repatriation $15,000
Transportation of mortal remains $15,000 Medical expenses incurred during hospitalization $15,000
Maximum stay per trip Up to Policy Period Deductible up to 70 years $200
Deductible from 71 till 75 years $300 Deductible from 76 till 80 years $750
Medical and Travel Assistance 24/7 Free Service
For more specific coverage, please refer to the terms and conditions attached with this certificate.
Premium Information:
Premium: As Agreed Signature
 Travel Insurance Certificate
Policy #: 2026/CTS/328338 Issuing Date: 16-06-2026
Policy Information: Group
Product Chosen: Al Manara - Low End Plan: Multiple Trips
Zone Chosen: Worldwide Excluding Schengen Duration: 15 Days
Inception Date: 27-06-2026 Expiry Date: 11-07-2026
Remove Deductible: No Sports Activities: Not Included
Destinations: Colombia
Beneficiary Information:
First Name: MOHAMMAD NOUR Country of Residence: Jordan
Middle Name: AMMAR Nationality: Syria
Last Name: DRAK ALSIBAI Passport N.: N02803281
Date of Birth: 01-01-1994 Age: 32
Table of Benefits:
Benefits Limits Benefits Limits
Emergency medical evacuation $15,000 Emergency medical repatriation $15,000
Transportation of mortal remains $15,000 Medical expenses incurred during hospitalization $15,000
Maximum stay per trip Up to Policy Period Deductible up to 70 years $200
Deductible from 71 till 75 years $300 Deductible from 76 till 80 years $750
Medical and Travel Assistance 24/7 Free Service
For more specific coverage, please refer to the terms and conditions attached with this certificate.
Premium Information:
Premium: As Agreed Signature
 Travel Insurance Certificate
Policy #: 2026/CTS/328338 Issuing Date: 16-06-2026
Policy Information: Group
Product Chosen: Al Manara - Low End Plan: Multiple Trips
Zone Chosen: Worldwide Excluding Schengen Duration: 15 Days
Inception Date: 27-06-2026 Expiry Date: 11-07-2026
Remove Deductible: No Sports Activities: Not Included
Destinations: Colombia
Beneficiary Information:
First Name: DIANA Country of Residence: Jordan
Middle Name: MHD AZMI Nationality: Syria
Last Name: SAMAN Passport N.: N016041728
Date of Birth: 01-01-1995 Age: 31
Table of Benefits:
Benefits Limits Benefits Limits
Emergency medical evacuation $15,000 Emergency medical repatriation $15,000
Transportation of mortal remains $15,000 Medical expenses incurred during hospitalization $15,000
Maximum stay per trip Up to Policy Period Deductible up to 70 years $200
Deductible from 71 till 75 years $300 Deductible from 76 till 80 years $750
Medical and Travel Assistance 24/7 Free Service
For more specific coverage, please refer to the terms and conditions attached with this certificate.
Premium Information:
Premium: As Agreed Signature
 GENERAL TERMS AND CONDITIONS

Section 1. DEFINITION
• Act of terrorism means an act (which may include using force or violence) by any person or group, committed for political,
religious, ideological, or similar purposes, with the aim of influencing any government or to put the public, or any section of
the public, in fear. Robberies or other criminal acts mainly committed for personal gain and acts arising mainly as a result of
personal relationships will not be considered as an act of terrorism. Act of terrorism also includes any act which is confirmed
by the relevant government as an act of terrorism. Using nuclear, chemical, or biological substances or weapons will also be
considered an act of terrorism.
• Accident or accidental means a sudden, unexpected event which happens during the period of insurance which must be the
only cause of injury or damage to the insured, whichever applies.
• Certificate of insurance/ policy means the document which proves that you have insurance cover, listing among other things,
details of everyone insured, the plan and the period of insurance covered under this policy.
• Close Family Members means 1st degree relatives (parents, Spouse, full siblings, or children).
• Common Carrier means any public transport by road, rail, sea, or air with a licensed carrier operating a regular and/or charter
passenger service.
• Country of Residence means the country where you are permanently residing or where you are temporarily residing for a
period of more than three months at the date of issue of the insurance, and to where you will be repatriated if medically
necessary.
• Deductible means the first amount of each claim, for each separate accident, payable by the insured. Excess/Deductible
amounts are shown in the Table of Benefits. In the event that you make a claim under more than one Section of the insurance
the deductible will be applied to each Section.
• Emergency care: means immediate medical treatment needed for a serious or life-threatening condition, such as a sudden
illness, injury, or severe pain that requires urgent attention — typically provided in a hospital’s emergency room (ER).
• Insurance Company means the company with whom the insurance policy is held who will bear the risk/ expenses with the
insured in case of an eligible claim occurrence as per policy’s General conditions and Table of Benefits.
• Insured / you/ your means an individual named in the certificate of insurance who is insured under an insurance policy issued
by the insurance company.
• Medical Necessity means all acts that may be justified based on legal medical documents/ reports/ results and an attestation
from a registered certified doctor. The servicing company through its medical team reserves all the right, to determine the
implication of medical necessity depending on each case.
• Natural disaster means any event or force of nature such as earthquake, tsunami, volcanic eruption, flood, typhoon, or
hurricane that has catastrophic consequences in terms of financial, environmental, or human losses. Bad weather conditions
that cause little or no effect on financial, environmental, or human loss will not be considered as natural disaster.
• Outpatient care means the medical care you receive without being admitted to a hospital overnight — such as doctor visits,
diagnostic tests, or minor procedures.
• Pre-Existing Condition means any health condition or impairment medically existing, which has developed over time prior to
enrollment. The preexisting medical condition definition also applies to injury or sickness of the family member.
• Public transport means any regularly scheduled aircraft, bus, ferry, hovercraft, hydrofoil, ship, train, tram, or underground
train which has fixed and established routes and is operated by a licensed carrier or operator to transport fare-paying
passengers.
• Serious Medical Condition means a condition, which in the opinion of the servicing company constitutes a serious medical
emergency requiring urgent remedial treatment to avoid death or serious Impairment to the Insured's immediate or long-
term health prospects. The seriousness of the medical condition will be judged within the context of the Insured's geographical
location, the nature of the medical emergency and the local availability of appropriate medical care or facilities.
• Servicing/ Assistance Company means the company appointed to provide various emergency assistance services for the
purpose of supplying the Benefits/Services/Covers of this policy on the Insurer’s behalf if the claim is eligible.
• Services means the medical and travel assistance to be provided by The Servicing Company.
• Valuables means photographic, audio, video, computer, telecommunications, and electrical equipment; all discs, tapes, and
cassettes; telescopes, binoculars, spectacles and sunglasses; antiques; sports equipment; watches; jewelry; furs; works of art
and articles made of precious or semi-precious stones and precious metals.
• Sports Activities means any sport or sporting activity for amateurs (details in Sports activities section) upon extending
coverage as per policy’s Table of Benefits.

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 Section 2. GEOGRAPHICAL SCOPE OF SERVICES & COVERAGE
The geographical scope of services and coverage is limited only to outside the Usual Country of Residence; all treatments
for a covered case are not covered in the insured’s Usual Country of Residence. After the policy expires, all follow up
treatments and investigations related to a covered case, are not covered during the insured’s stay outside or inside his Usual
Country of Residence.
The Services provided by the servicing company under this Agreement are rendered on a worldwide basis. The servicing
company shall use its best endeavors to provide the Services, but any help and intervention depends upon, and is subject to
local availability and has to remain within the scope of national and international law and regulations and intervention depends
on the servicing company obtaining the necessary authorizations issued by the various authorities concerned.
The servicing company shall not be required to provide Services to the Insured/s, who in the sole opinion of the servicing
company is located in areas which represent war risks, political or other conditions such as to make such Services impossible
or reasonably impracticable.

Section 3. SCOPE OF SERVICES/COVERAGE

The servicing company shall make available operations coordinators answering in different languages for the Users by
telephone at its fully-manned non free call alarm center available 24 hours a day, 7 days a week.
When the servicing company has the information immediately available, the servicing company shall provide the Services, as
appropriate, to the Insured while the Insured is on the telephone. In all other cases, the servicing company will provide the
information to the Insured by the quickest possible means.
The servicing company shall, subject to the terms and conditions as defined hereunder, provide the following Services to a
Insured calling the servicing company.
If the claim is eligible, the client will be covered under usual, customary, necessary and reasonable costs for a maximum
Aggregate limit as per Table of Benefits.

Section 4. SERVICES & BENEFITS

1. Emergency medical evacuation
The Company will indemnify the Insured for the cost incurred towards Emergency Medical Evacuation, subject to the following:
a) These transportation expenses would be limited to transporting the Insured from the covered claim location to the
nearest appropriate medical facility provided that such cost is certified and authorized by a certified Medical Physician
and/or the Assistance Service Provider and Company’s liability does not exceed the Sum Insured/Sublimit mentioned in
the Policy Schedule.
b) The Servicing/Assistance company will arrange for the air and/or surface transportation, communication and all
customary ancillary services incurred in moving and transporting of the Insured through its medical team reserves the
right to determine the location to which the Insured will be evacuated and the means or method by which such
evacuation will be carried out. While doing so, , the Servicing/Assistance company may consider all relevant
circumstances including, but not limited to the Insured’s medical condition, the medical necessity for a special means of
transportation, the need for medical care enroute, the degree of emergency, the Insured’s fitness to travel, airport
availability, weather conditions and travel distance in determining which transportation means will be needed.
c) Medical Evacuation will be subject to the Insurance Company’s prior approval and only, when necessary, on medical
grounds.
Documents needed to be submitted under this clause:
• Copy of policy
• Copy of passport/ ID
• Entry stamp to destination country
• Companion’s Passport/ID (if any)
• Medical report from a licensed physician in the treating hospital
• Fit To Fly from a licensed physician
• Official Confirmation of acceptance from the receiving hospital
• Medical Clearance from the airlines
• Clearance from the airport and all legal parties
• Flight Reservation Tickets and medical facilities needed (including medical equipment, escorts and others)
• Flight Tickets for the companion (if any)
• GOP after confirming the quotation from the provider

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 2. Emergency medical repatriation
The servicing company will arrange for the return of the Insured to the Country of Residence by air and/or surface
transportation following an in-hospital admission for a covered case. The servicing company through its medical team
reserves the right to decide the means or method by which such repatriation will be carried out having regard to all the
assessed facts and circumstances including, but not limited to the Insured’s medical condition, the medical necessity for a
special means of transportation, the need for medical escort (s), the degree of urgency, the Insured’s fitness to travel, airport
availability, weather conditions and travel distance in determining which transportation means will be needed.
Medical repatriation will be subject to the Insurance Company prior approval and only when judged necessary on medical
grounds.

Documents needed to be submitted under this clause:

• Copy of policy
• Copy of passport/ ID
• Entry stamp to destination country
• Companion’s Passport/ID (if any) and visa or other authorization form
• Medical report from a licensed physician in the treating hospital
• Fit To Fly from a licensed physician
• Official Confirmation of acceptance from the receiving hospital or the drop off location
• Medical Clearance from the airlines
• Clearance from the airport and all legal parties
• Flight Reservation Tickets and medical facilities needed (including medical equipment, escorts and others)
• Flight Tickets for the companion (if any)
• GOP after confirming the quotation from the provider

3. Transportation of mortal remains

The servicing company will cover the cost and logistics of returning a deceased person’s body to their Country of Residence
in all cases of death while travelling abroad disregarding the exact cause of death.
The Transportation of Mortal Remains will be subject to the servicing company prior approval and the coverage will include
the following:
a) Transportation Costs:
Cost of transporting the body back to the country of Residence
Includes the needed transportation (Air or Ground transportation) as judged necessary by the servicing company.

b) Documentation and Legal Formalities:

Assistance with Medical providers and personnels for proper preparation of body and related medical documentation
needed for transportation.
Coordination with legal authorities and other parties to arrange needed permits for transportation.

c) Escorts of remains:
Arrangements of flight tickets for one Family member to escort the body back to the Country of residence
Exclusions applicable to this section:
− Travel to excluded countries or war Zones.
− Delay in Notification.
− Funeral or burial costs (at the place of death and country of residence).
− Repatriation of personal effects.
− Mortuary and Medical fees.

Documents needed to be submitted under this clause:

• Copy of policy
• Copy of passport/ ID
• Entry stamp to destination country
• Companion’s Passport/ID (if any) and visa or other authorization form
• Death Certificate mentioning the reason for death
• Embalming Certificate
• Clearance from the airport and all legal parties
• Flight Reservation Tickets for the corpse and the companion (if any)
• GOP after confirming the quotation from the provider

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 4. Medical expenses incurred during hospitalization
In the event of sudden illness or injury of the adherent occurring outside the usual country of residence, the insured has to call
the assistance party prior to his admission.
The Servicing Company will guarantee the direct payment of the medical expenses incurred during hospitalization, up to the
maximum limit stated in the schedule of benefits for the treatment of an injury or sickness sustained by the insured while his
policy is in effect considering that cases are:
− Not due to any preexisting condition.
− Within the scope of policy particular and general condition.
− Not excluded as per policy particular and general exclusions.
− As per the usual reasonable and customary charges.
− Covered under Regular/ Standard Admission Class.
a) Inpatient care
The Treatment of covered medical conditions that cannot be treated on an ambulatory basis, as defined hereinafter,
and requires an uninterrupted hospital confinement initiated during the policy period.

b) Emergency care
Refers to immediate medical treatment needed for a serious or life-threatening condition, such as a sudden
illness, injury, or severe pain that requires urgent attention — typically provided in a hospital’s emergency
room (ER).
Emergency care is covered under travel insurance when it is required immediately to prevent serious health
risks or death. Once the emergency is under control, any follow-up or non-urgent treatment (even if related
to the same issue) is considered outpatient care and is not covered unless specified in your policy.

c) Outpatient care
Outpatient treatment is not covered by travel insurance. However, if you need emergency care due to a sudden
illness or accident, the treatment you receive in the emergency room (ER) may be covered — if it is required
immediately to eliminate any life-threatening condition.

d) Deductible (applicable for Emergency and Inpatient Care)

Deductible means the first amount of each claim, for each separate accident, payable by the insured.
Excess/Deductible amounts are shown in the Table of Benefits.

WORLDWIDE EXCLUDING SCHENGEN

GEOGRAPHICAL COVERAGE MIDDLE EAST, TURKEY & GEORGIA
COUNTRIES
DEDUCTIBLE AMOUNT
1D - 70 years $100 $200
71 years - 75 years $200 $300
76 years - 80 years $500 $750

Documents needed to be submitted under this clause:

• Copy of policy
• Copy of passport
• Entry stamp to destination country
• Flight tickets
• Detailed medical report and discharge summary (translated if needed)
• All Tests results (Laboratory, Diagnostic and others)
• Detailed Hospital Invoice (translated if needed)
• Receipt of payment (if any)

5. Personal Accident (Accidental death in Common Carrier)

In case the insured opting for the personal Accident dies following covered accident in a common carrier, the sum insured
specified in the application form as per applicable plans shall be paid to the beneficiary (ies) designated in the application or
to the legal heirs.
Payment shall be effected as per legal jurisdiction.

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 Documents needed to be submitted under this clause:
• Copy of policy
• Copy of passport
• Entry stamp to destination country
• Flight tickets
• Boarding pass
• Death certificate indicating the cause, date, time and place of death
• Police/Accident report
• Common carrier report
• Proof of relationship with the beneficiary

Section 5. 24/7 ASSISTANCE

1. Telephone medical advice
The servicing company will arrange for the provision of medical advice to the Insured over the telephone.

2. Medical service provider referral

The servicing company shall provide to the Insured, upon request, the name, address, telephone number and, if available,
office hours of physicians, hospitals, clinics, dentists, and dental clinics (collectively "Medical Service Providers"). The servicing
company shall not be responsible for providing medical diagnosis or treatment. Although the servicing company shall make
such referrals, it cannot guarantee the quality of the Medical Service Providers and the final selection of a Medical Service
Provider shall be the decision of the Insured. The servicing company, however, will exercise reasonable care and diligence in
selecting the Medical Service Providers.

3. Arrangement of hospital admission

If the medical condition of the Insured is of such gravity as to require hospitalization, the servicing company will assist such
Insured in the hospital admission.

4. Monitoring of medical condition during and after hospitalization

The servicing company will monitor the Insured's medical condition during and after hospitalization, subject to any and all
obligations in respect of confidentiality and relevant authorization.

5. Medical translation service

The servicing company will arrange for the provision of medical translation to the Insured over the telephone. Where the
servicing company uses an external service provider to provide the translation service, the quality of the translator cannot be
guaranteed. The Servicing Company will however exercise reasonable care and diligence in selecting such service providers.

6. Delivery of essential medicine

The Assistance Company will take charge of delivering the medicines outside the country of residence prescribed urgently by
a doctor for the insured during the trip and which cannot be found in the place where he/she had travelled to or to be replaced
by medicines that have a similar composition. The Assistance Company will not be responsible for the medicine’s expenses.

7. Inoculation and visa requirement information

Upon request from the Insured, the servicing company shall provide information concerning visa and inoculation requirements
for foreign countries, as those requirements are specified from time to time in the most current edition of World Health
Organization Publication "Vaccination Certificates Requirements and Health Advice for International Travel" (for inoculations)
and the "ABC Guide to International Travel Information" (for visas).

8. Lost luggage assistance

Upon request from the Insured, the servicing company will assist the Insured who has lost his/her luggage while traveling
outside the Usual Country of Residence by referring the Insured to the appropriate authorities.

9. Interpreter referral
Upon request from the Insured, the servicing company will provide the names, telephone numbers and, if possible and
requested, hours of opening of interpreters' office in foreign countries. Although the servicing company shall make such
referrals, it cannot guarantee the quality of the service provider and the final selection of a service provider shall be the decision
of the Insured. The Servicing Company, however, will exercise care and diligence in selecting the service providers.

10. Emergency traveling service assistance

The servicing company shall assist the Insured in making reservations for air ticket or hotel accommodation on an emergency
basis when traveling overseas.

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11. Emergency interpreting assistance
The servicing company will arrange for the provision of interpreting assistance to the Insured over the telephone on an
emergency basis.

12. Embassy referral

The servicing company shall provide the address, telephone number and hours of opening of the nearest appropriate
consulate and embassy worldwide.
13. Emergency document delivery
The servicing company shall assist the Insured to arrange for emergency document(s) to be delivered to the Insured's friend,
relative or business associate, upon the Insured's request to do so.

The above assistance Services are purely on referral or arrangement basis. The servicing company shall not be responsible for
any third-party expenses, which shall be solely the Insured's responsibility.

Section 6. GENERAL EXCLUSIONS

The following treatment, items, conditions, activities and their related or consequential expenses are excluded unless the
servicing company has given its prior written approval, and the Insured has paid the appropriate fees:
Under “Medical Evacuation” & “Medical Repatriation” Benefits:
− More than one emergency evacuation and/or repatriation for any single medical condition of an Insured during
the term of the Agreement, subject to a maximum of one year.
− Any expenses for medical evacuation or repatriation if the Insured is not suffering from a Serious Medical
Condition, and/or in the opinion of the servicing company physician, the Insured can be adequately treated
locally, or treatment can be reasonably delayed until the Insured returns to his/her Home Country or Usual
Country of Residence.
− Any expenses for medical evacuation or repatriation where the Insured, in the opinion of the servicing compa-
ny physician, can travel as an ordinary passenger without a medical escort.

Under “Medical Expenses incurred during hospitalization” Benefit:

− Travelling to seek medical treatment or waiting for an operation, post operation check-up or any other hospital
treatment, or any medical investigations, tests, or test results.
− Losses arising from accidents on two wheeled motorized vehicles unless at the time of the accident the driver
is duly qualified, is in possession of a current full driving license valid in the country where the vehicle is
operated and, if you or your travel companion is the driver, a valid license for operating that class of vehicle in
the driver’s Country of Residence, and the driver and passenger are both wearing a safety crash helmet.
− Any expenses incurred as a result of a Pre-Existing Condition/ Chronic condition.
− Any treatment or expenses related to childbirth, miscarriage or pregnancy.
− Any expenses incurred for emotional, mental or psychiatric illness and Panic Attacks.
− Any expenses incurred as a result of a self-inflicted injury, suicide, drug addiction or abuse, alcohol abuse, sex-
ually transmitted diseases.
− Any expenses incurred as a result of Acquired Immune Deficiency Syndrome (AIDS) or any AIDS related condi-
tion or disease.
− Any expenses related to treatment performed or ordered by a non-registered practitioner not in accordance
with the standard medical practice as defined in the country of treatment.
− Any hospital admission required for a diagnostic reason or for investigation.
− Any consultation for medical assessment or treatment not requiring hospitalization including medicines
(pharmacy) and all outpatient medical treatment procedures.
− Ambulance and any other Transportation expenses such as a Taxi and others.
− Any expenses or costs of all kinds of materials, prosthesis and/or orthesis replacing any functional or missing
part of the human body.
− Cost of any walking or mobility aids and rehabilitation treatment except if rehabilitation treatment is due to a
covered case under this policy.
− Pharmacy including OTC drugs, Vitamins, and other out-patient prescriptions.
− Patient treatment supplies (including elastic stockings, ace bandages, gauze, syringes, and others).
− Costs associated with hearing tests, vision corrections, prosthetic devices or hearing and vision aids.
− All healthcare services & Treatments for In-Vitro Fertilization (IVF), embryo transport ovum and male sperm
transport.
− Treatments and Services related to hepatitis and associated complications except hepatitis A.
− Medical services and associated expenses for organ and tissue transplants, irrespective of whether the insured
is a donor or recipient.

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 − Medical expenses related to motor vehicle accidents, pedestrian accidents, and any other type of traffic motor
collision. Knowing that it should be covered under the involved car compulsory insurance.
− Any Investigational/Diagnostic Test not related directly to the main diagnosis.
− Any medical expenses related to extraordinary natural phenomena such as landslides, volcanic eruptions and
any other natural disasters.
− Internationally and locally recognized epidemics, pandemics, and endemics except COVID-19.
− Cases with waiting period of more than 12 hours are no longer considered Emergency cases.
− Herniated discs, slipped discs, hip dislocations, spinal and spinal cord diseases, and osteoporosis, unless
resulting from an emergency.
− In-flight Medical procedures.

Under All Benefits:

− Any circumstance which could reasonably have been foreseen as likely to give rise to a claim by the Insured
Person at the time that the insurance was effected or the Trip was booked (whichever is the later).
− Trips booked or commenced where the insured is travelling against medical advice or after receipt of a terminal
prognosis or with the intention of obtaining medical treatment or convalescent care.
− Needless self-exposure to peril except in an attempt to save human life.
− The bankruptcy, negligence, default or insolvency of a travel agent, tour operator, Carrier, or accommodation
provider.
− Errors or omissions in your booking arrangements, your failure to obtain appropriate visas and/or prevention
of access by the government of a country into which you wish to enter.
− Any costs or expenses not expressly covered by the servicing company Program and not approved in advance
and in writing by the servicing company and/or not arranged by The Servicing Company. This exception shall
not apply to emergency medical evacuation from remote or undeveloped areas when the servicing company
cannot be contacted in advance and delay might reasonably be expected in loss of life or harm to the Insured.
− Any event occurring when the Insured is within the territory of his/her Usual Country of Residence.
− Any expenses for rest and recuperation following any prior accident, illness, or Pre-Existing Condition.
− Any expenses related to the insured engaging in any form of aerial flight except as a passenger on a scheduled
airline flight or licensed charter aircraft over an established route.
− Any expenses related to the insured engaging in the commission of, or the attempt to commit, an unlawful act.
− Any expenses incurred as a result of the Insured engaging in active service in the armed forces or police of any
nation; active participation in war (whether declared or not), invasion, act of foreign enemy, hostilities, civil
war, rebellion, riot, revolution, or insurrection.
− Any expenses in respect of the insured being more than 80 years old at the date of intervention.
− Any expense which is a direct result of nuclear reaction or radiation. regardless of any contributory causers),
involving the use of or release or the threat thereof of any nuclear weapon or device or chemical or biological
agent, including but not limited to expenses in any way caused or contributed to by an Act of Terrorism or war.
− Work Related Accidents.
− Any claim arising while the client holds supplementary, duplicate travel insurances.
− Any policy issued for the purpose of claim coverage.

Section 7. GENERAL CONDITIONS

− The insured must observe and fulfill all the terms and conditions of this insurance by completing anything to
be done or complied with by him or anyone acting on your behalf.
− For In-Patient care, emergency repatriation or curtailment the Assistance Company must be notified within 48
hours of admission to hospital and, for curtailment, prior to departure back to the usual Country of Residence.
− That the insured uses Reciprocal Health Care Agreements where they are available. If in doubt he should
contact the Assistance Company.
− The insured must immediately notify the insurance company in the event of any occurrence likely to give rise
to a claim under this insurance in accordance with the instructions contained herein but in any event within 31
days of the end of his Trip.
− The insured provides at his own expense all certificates, information, and evidence required by the insurance
company’s appointed representatives or by the insurance company.
− That no person will admit liability or make any offer or promise of payment without by the insurance
company’s prior written consent.
− The insured acknowledge that the insurance company may at its own expense take action in the insured’s
name to recover compensation from a third party in respect of any payment made under this insurance and
that any amount recovered shall belong to the insurance company.
− In the event of the insured’s death, the insurance company shall have the right to have a postmortem carried
out at its expense.

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 − The insured has read and accepted the cover provided by this insurance including its cover limits, terms,
conditions, and exclusions. The insurance company will accept no liability arising from his failure to do so, or
his failure to purchase this insurance with sufficient time prior to departure to do so.
− That the insured take all reasonable care to avoid or minimize any loss that might result in him making a claim
under this insurance and he acts at all times as if this insurance were not in force.
− The insured may not transfer his interest in this insurance.
− The Law of the usual Country of Residence will apply if it is a legal requirement.
− In the event of a fraudulent claim being made by the insured or anyone acting on his behalf all cover under this
insurance shall be forfeited.
− The travel policy may be extended for a maximum of 15 days in either of the following cases:
1) In the event of a delay due to unforeseen circumstances beyond the traveler's control and not intentionally
caused, requiring the traveler to remain outside the country of residence for a period longer than the program's
duration. Provided that the insured presents the evidence, documents, or certificates justifying this extension.
In all cases, the insurance policy does not cover any situations arising from a change in the primary travel
destination specified in the program.
2) If the traveler extends the program's duration after leaving the Country of Residence, the traveler shall bear
the cost of this extension in agreement with the insurance company.

Section 8. ELIGIBILITY
− The concerned Insured is eligible for the servicing company Program following calling The Servicing Company
alarm center prior to hospital admission or Medical Assistance, cases shall be rejected if requested on
reimbursement basis. In case insured applies for reimbursement, and after assessment of claim, The Insurance
Company may ask for translated documents if not available and may accept on exceptional basis the claim,
and will pay after Auditing the provided invoices, deducting the appropriate amount, and covering under
Standard/ Regular Admission Class up to 75% of the approved amount (if the claim is eligible). The Insurance
Company will reject any claim on reimbursement basis presented or followed up after 30 days from the policy
expiry date.
− All claims covered on Direct Billing will be subject to proper assessment of documents including translated
documents (if needed) and internal audit to all invoices provided (detailed invoices may be requested),
deducting the appropriate amount, and covering under Standard/ Regular Admission the reasonable and
customary cost for all expenses.
− The maximum age of enrolment is 80 unless otherwise advised in writing by The Insurance Company.
− The Insured shall be eligible for Services when he/she travels outside the Usual Country of Residence.

Section 9. CANCELLATION
The contract can be cancelled:
− By the Insurance Company immediately, if any claim or declaration shall, in any way respect, be false or
fraudulent means or devices are used by the insured or anyone acting on his/her behalf to assert rights to
benefit. All benefit and premiums shall in such cases be forfeited.
− By the insured in case of cancellation of his/her trip abroad, provided the insured has notified the travel cover
agent before the effective date specified in the application form or on the amendment, and has received
confirmation of cancellation from the later.
− No refund is authorized if cancellation is required after the inception date.

Section 10. EXAMINATIONS

The servicing company shall have the right and opportunity through its medical representative to examine the Insured
whenever and as often as may reasonably require.

Section 11. ARBITRATION IN RESPECT OF MEDICAL OPINION

Any difference in respect of medical opinion in connection with the result of an accident or illness will be settled between
two medical experts, one appointed by the insured and one appointed by the issuing company.
Any difference in opinion between the two medical experts shall be referred to the syndicate of physicians who shall be
appointed in writing by the two medical experts.

Section 12. COMPETENT JURISDICTION AND GOVERNING LAW

In case of dispute between the insured and the issuing company, parties are obliged to refer to the courts of the country of
policy issuance if it is a legal requirement.
This contract shall be governed and construed in accordance with the laws of the country of policy issuance if it is a legal
requirement.

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 CLAIM PROCEDURE

If you experience an incident during your trip that is covered by your travel insurance, take the necessary actions to address
the situation. For medical emergencies, seek immediate medical attention.

1. Review your policy: Start by thoroughly reviewing your travel insurance policy to understand what is covered,
the limits, deductibles, and any specific requirements for making a claim. Make sure your claim falls within the
scope of your coverage.

2. Call the assistance company: As soon as you encounter an issue that might result in a claim, contact the
assistance company. This could be due to medical treatment, trip cancellations, lost baggage, or any other
covered incident. You will find the contact information for claims assistance below:

Zone Phone Number

Europe & Turkey 00 90 212 800 6548
Worldwide 00 1 786 206 9925
South America 00 54 11 3989 3293
MENA 00 971 7 204 5091
MENA (WhatsApp Chat available) 00 971 7 204 5090
Lebanon 00 961 1 504 000
Lebanon (WhatsApp Chat available) 00 961 81 504 015

3. Gather evidence: You'll need to gather supporting documentation to substantiate your claim. This may include
medical reports, bills, invoices, proof of purchase, proof of travel (boarding passes, itineraries), and any other
documents that demonstrate the circumstances of your claim.

4. Submit your claim: Send all supporting documents to the assistance company. This can typically be done by mail
or by phone. Be sure to keep copies of all the documents you send for your records.

5. Claims processing:
a) In case the claim is on direct billing basis, we will contact the hospital directly to coordinate with them
regarding the status, cost and coverage of your claim. Deductible might be applicable depending on
your policy.
b) In case the claim is on reimbursement basis, we will review your claim and the supporting documents
to determine its validity and the amount to be paid. This process can take some time, so be patient.

6. Resolution: Once your claim is approved, COPE will coordinate with the insurance company where you will get
reimbursed for the covered expenses in the same payment mode you settle the purchased policy with.

Policyholders are responsible for understanding the terms and conditions of their travel insurance policy, including covered
incidents, exclusions, and claim limits. Claims must fall within the scope of the policy to be eligible for processing.

In case you wish to contact Cope TS claims, you may email us on: claims@[Link]

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