100% Commercial Premiums in USD + BHD
| COVERAGE | EUROPE | WORLDWIDE | WORLDWIDE | EXCLUDE USA & Canada | WORLDWIDE | EXCLUDE USA & Canada | ||||||||
| SCHENGEN | TRAVELLER | PEARL | FAMILY | TRAVELLER | PEARL | |||||||
| Ian NAME | USD | BHD | USD | BHD | USD | BHD | USD | BHD | USD | BHD | USD | BHD |
| Period of coverage | ||||||||||||
| Up to 7 days | 14 | 5 | 33 | 12 | 25 | 9 | 30 | 11 | 23 | 9 | 16 | 6 |
| Up to 10 days | 17 | 6 | 36 | 13 | 28 | 10 | 37 | 14 | 26 | 10 | 18 | 7 |
| Up to 15 days | 20 | 7 | 47 | 18 | 38 | 14 | 43 | 16 | 33 | 12 | 22 | 8 |
| Up to 21 days | 29 | 11 | 58 | 22 | 42 | 16 | 62 | 23 | 41 | 15 | 31 | 12 |
| Up to 30 days | 30 | 11 | 85 | 32 | 56 | 21 | 68 | 25 | 54 | 20 | 36 | 13 |
| Up to 60 days | 48 | 18 | 105 | 39 | 76 | 28 | 79 | 30 | 74 | 28 | 50 | 19 |
| Up to 90 days | 69 | 26 | 124 | 46 | 95 | 36 | 114 | 43 | 87 | 33 | 70 | 26 |
| Up to 180 days | 80 | 30 | 147 | 55 | 116 | 43 | 143 | 54 | 104 | 39 | 84 | 31 |
| Annual multi-trip (1 years) | 116 | 43 | 160 | 60 | 127 | 48 | 154 | 58 | 125 | 47 | 119 | 45 |
| By- Annual multi-trip (2 years) | 232 | 87 | 318 | 119 | 258 | 97 | 312 | 117 | 253 | 95 | 235 | 88 |
|
GEOGRAPHICAL COVERAGE |
|
| EUROPE | All European countries including the Schengen Area |
| WORLDWIDE | Provides Worldwide cover except the country of residence |
| WORLDWIDE I | Provides Worldwide cover except the country of residence, USA and Canada |
Note:
- The premium mentioned is for the age group 19 to 65 years and above 65 yearssubject to a loading as follows:
- Between 66 and 75 years – increase the above premium by 50%
- Between 76 and 80 years – increase the above premium by 100%
- 81 years and above only the Schengen policy shall be available-increase the premium by 300%.
- Children up to 18 years (any number of children) are coverd under family cover within the premium stated under “Family” BUT if not under family cover, the premuim payable is 50%
Product Benefits and Limitations
| SUMMARY OF COVERS | TRAVELLER | PEARL | Limits in USD | Limits in USD |
| Geographical coverage | Worldwide or Worldwide I | Worldwide or Worldwide I | Worldwide | Europe |
| A. Medical & Emergency Assisstance | ||||
| Mediccal Expenses and Hospitalization Abroad |
150,000 | 50,000 | 50,000 | 30,000 |
| Emergancy Medical Evacuation | 150,000 | 50,000 | 50,000 | 30,000 |
| Emergancy Dental Care | 1000 | 1000 | 1000 | 1000 |
| Repatriation of Mortal Remains | 15,000 | 10,000 | 10,000 | 5,000 |
| Repatriation of family member travelling with the insured | 10,000 | 5,000 | 5,000 | 2,000 |
| Emergency Return Home mFollowing Death of a Close Relative | 5,000 | 2,000 | 2,000 | 2,000 |
| Travel Of One Immediate Family Member | 100/-day Max 1000/- |
85/-day Max 850/- |
85/-day Max 850/- |
Not covered |
| Travel Of One Immediate Family Member | 100/-day Max 1000/- |
85/-day Max 850/- |
85/-day Max 850/- |
Not covered |
| B. Personal Assistance Services | ||||
| 24 Hours Assistance Services | Covered | Covered | Covered | Covered |
| Delivery of Medicines | 5.000 | 1.000 | 1.000 | Not covered |
| Advance of Bail Bond | 10.000 | 4.000 | 4.000 | Not covered |
| Legal Defence | 5.000 | 2.000 | 2.000 | Not covered |
| Hijacking | 250/ hour up to 10000 |
Not covered | Not covered | Not covered |
| C. Losses & Delays | ||||
| Loss of Passport,driving license, national identity card abroad | 500 | 300 | 300 | Not covered |
Compensation for in-flight loss of checked-in baggage
|
2500
1250 |
1000 500 50 |
1000 500 50 |
Not covered |
| Compensation for delay in the arrival of luggage | 1,000 | 500 | 500 | Not covered |
| Delayed Departure | 1,000 | 500 | 500 | Not covered |
| Location and forwarding of personal effects | Covered | Covered | Covered | Covered |
| D. Personal Accident | ||||
| Death in common Carrier | 50,000 | 25,000 | 25,000 | 30,000 |
| Permanent disability | % of principal sum as per scale |
% of principal sum as per scale |
% of principal sum as per scale |
Not covered |
| Permanent Total disability | 50,000 | 25,000 | 25,000 | Not covered |
| E. Civil Liability Benefits | ||||
| Personal Civil Liability | 50,000 | 25,000 | 25,000 | Not covered |
