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Travel insurance:


In cooperation with ALC International Healt Insurance, AG-Gruppen is proud to offer a travel insurance made to your needs...

 

TRAVEL

...peace of mind for whatever is beyond the horizon

   

Pre-Travel Policy

Policy section & cover provided

Cover 

Provided

Policy Excess

Silver

Gold

(Silver only)

A1. Cancelllation charges following your death, injury or illness

 * charges for prepaid transport & accommodation

Up to €3.750

 

Up to €7.500

 

€75

Deposit only claims: €50

A2. Cancellation charges following death, injury or illness of a close business associate

 * charges for prepaid transport & accommodation

Up to €3.750

 

Up to €7.500

 

€75

Deposit only claims: €50

Travel Policy

Policy section & cover provided

Silver

Gold

(Silver only)

B1. Departure Delay

     

* delay after the first 12 hours

€30

€60

 

* delay for each following complete period of 12 hours

€15 €30  

* up to a maximum

€150 €300 Nil

Abandonment (after 12 hour)

€3,750 €7,500 €75

Missed Departure

€1,125 €2,250 Nil

B2. Personal Possessions

     

* up to a maximum of

€2,250 €4,500 €75

* up to a maximum for each individual item

€225 €450  

* up to an overall total for valuables

€300 €600  

Possessions delayed in transit for more than 12 hours (purchase of essential items

€150 €300 Nil

B3. Personal Money

     

* up to a maximum of

€750 €1,500 €75

* up to a maximum for cash on your person

€225 €450  

Loss of travel documents

€375 €750 Nil

B4. Emergency medical expenses

     

* medical expenses outside your home country. Up to a maximum of State hospital benefit

€7,500,000 €15,000,000 €75

* for each full day are confined to a hospital bed in a State hospital

€15 €30  

* up to a maximum of

€750 €1,500 Nil

B5. Replacement Employee benefit

     

* travel and accommodation expenses for a replacement employee if you are unable to complete the trip due to illness/accident

N/A

€7,750

Nil

B6. Curtailment (cutting short your trip)

     

* unused portion of costs

€3,750

€7,500

€75

B7. Personal Liability

€1,500,000

€3,000,000

€150

B8. Personal accident

     

* death

€7,500 €15,000 Nil

* loss of arms or legs

€22,500 €45,000 Nil

* if you are permanently unable to work after an accident on your trip

€22,500 €45,000 Nil

B9. Legal advice and expenses

€15,000

€30,000

€150

B10. Winter Sports

     

* ski equipment (up to a maximum for each individual item)

€375 €750  

* own ski equipment up to a maximum of

€600 €1,200 €75

* hired ski equipment up to a maximum of

€225 €450 €75

Loss of ski pack

€300 €600 €75

Piste closure

     

* for each full day you cannot ski due to lack of snow

€15 €15  

* up to maximum of

€150 €300 Nil

B11. Golf Extension (OPTIONAL COVER - payment of additional premium)

         

(available on payment of an additional premium)

     

* golf equipment up to a maximum for each individual item of

N/A €200 Nil

* own golf equipment up to a maximum of

N/A €1,000 Nil

* hired golf equipment up to a maximum of

N/A €300 Nil

* golf equipment delayed by over 12 hours

N/A €300 Nil

* loss of green fees

N/A €225 Nil
 * hole in one N/A €100 Nil

 

 

 

Premium Schedule

Effective 01 september 2006 exclusive of local taxes

 

Silver - Europe

Age

18-54 55-64 65-69 70-74  

Individual

€84 €93 €138 €185  

Couple/Single Parent Family

€119 €132 €198 €264  

Family

€144 €161 €240 €320  

Silver - Worldwide excluding USA, Canada and the Caribbean

 

Age

18-54 55-64 65-69 70-74  

Individual

€104 €117 €177 €237  

Couple/Single Parent Family

€156 €177 €264 €354  

Family

€167 €191 €287 €381  

Silver - Worldwide

 

Age

18-54 55-64 65-69 70-74  

Individual

€117 €183 €273 €410  

Couple/Single Parent Family

€173 €188 €282 €422  

Family

€183 €204 €306 €459  

Gold - Europe

Age

18-54 55-64 65-69 70-74

75-84**

Individual

€150 €167 €213 €333 €467

Couple/Single Parent Family

€209 €231 €312 €461 €686

Family

€248 €275 €345 €548 €759

Gold - Worldwide excluding USA, Canada and the Caribbean

Age

18-54 55-64 65-69 70-74

75-84**

Individual

€191 €212 €252 €423 €554

Couple/Single Parent Family

€276 €306 €372 €612 €818

Family

€296 €329 €399 €656 €878

Gold - Worldwide

Age

18-54 55-64 65-69 70-74

 

Individual

€204 €221 €330 €462  

Couple/Single Parent Family

€288 €315 €473 €662   

Family

€305 €338 €506 €708   

Golf Extension (Gold only)

€39  
  

** 6 month cover, maximum period per trip 21 days

Local taxes may apply - please refer to us at AG-Gruppen.

 

Payment methods

Cheque payable to α la carte healthcare limited

Debit card

Credit card

 

 

 

 

  • Comprehensive Travel Insurance specially designed for residents of the EU

  • If you have more than one home within the EU, our policy has the special feature of covering trips between each home.

  • Optional Golf cover including "hole in one".

 

 

 

 

 

 

 

 

We deal you “the best hand”….  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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AG-AssurandorGruppen looks after you during your travels….

Call AG-Gruppen 

on..

+34 952 56 74 13

or (easier to contact)

+34 649 95 74 70 (Preben)

 

and arrange a meeting where we go through your insurances.

 

Policy wording

 

You should read this document carefully. It gives details of what is and is not covered and the conditions of the cover. Cover can vary from one policy to another so you should familiarise yourself with this particular insurance.

 

Conditions and exclusions

 

Specific conditions and exclusions apply to individual sections of your insurance, whilst general exclusions and conditions will apply to the whole of your insurance.

 

Significant and unusual exclusions or limitations

 

The following are excludedfrom cover under your policy:

  • Pre-existing medical conditions

  • Drugs and alcohol abuse

  • Travel to countrieswhere the British Foreign Office have advised against travel

  • Professional sports

Health

 

This insurance contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and of other people upon whose health the trip depends. You are advised to read the policy document carefully.

 

Property Claims

 

These claims are paid based on the value of the goods at the time you lose them and not on a "new for old" or replacement cost basis. Allowances will be made for their age and likely condition.

 

Policy limits

 

This insurance has limits on the amount the insurer will pay under each section. Some sections also include other specific limits, for example,for any one item or for valuables total.

 

Policy excess

 

Claims under the Silver policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of the claim.

 

Reasonable care

 

You need to take all reasonable care to protect yourself and your property, as you would if you were not insured. Any amounts the insures will pay for property left unattended in a public place or unattended vehicle is very limited, as specified in the wording.

 

Right toCancellation

 

The policyholder may cancel the policyby notifying us in writing within 14 days from the inception date and provided no claim has been submitted a full refund of premium will apply.

 

Single Parent and Family

 

There is no limit to the number of dependant children that can be covered under the age of 18 years at the date of commencing the trip.

 

Dangerous sports and pastimes

 

Certain hazardous activities are covered under this policy, but please check the policy wording to ensure that you are covered and if any limits apply.

    

Features

Silver

Gold

Europe

Maximum age at inception

74

84 (ages 75-84, 6 months cover only, maximum period per trip 21 days)

Worldwide excluding USA, Canada and the Caribbean

Maximum age at inception

74

84 (ages 75-84, 6 months cover only, maximum period per trip 21 days)

Worldwide

Maximum age at inception

74

74

Maximum period per trip

31 days

62 days

Overall maximum total periode of all trips

None

None

Trips within country of residence (UK/Europe only with minimum 2 nights in pre-booked paid accom- modation excluding Section B4)

Included

Included

Wintersports -a maxi- mum of

10 days

21 days

Pre-existing medical conditions

Like most travel insurers we do not cover pre-existing medical conditions, however, we may consider cover.

Please call us on +34 952446524, after the purchase of your policy, to see if cover is available.

 
- for your peace of mind!    
 

Copyright 2018 AssurandψrGruppen