Пример медицинской страховки от SEDA College, Дублин, Ирландия.
Ну и собственно — текст на английском. Лично составлением авторского перевода заниматься не стал в ввиду довольно легкой лексики и понимания того, что данный материал нужен студентам, которые едут на годовые программу Work and Study in Ireland и имеют минимальный запас знания на уровне pre-intermediate.
This insurance is available only to the students under the age of 70 who have booked an Academic Course with SEDA College and for whom the appropriate premium has been paid prior to travel, including Leisure trips within the European Union up to a maximum of 21 days per trip.
This policy summary is essential reading but does not contain the full terms and conditions of SEDA College Travel Insurance Policy which can be found in the Policy document 400013.
Cover is underwritten by ERV, an Ergo Group Company.
Administered by Globalguard International Insurance Services Ltd., trading as Guard.me International Insurance
Period of Cover
Cover for Cancellation under the Cancellation and Curtailment Section of the Policy begins on the date the Journey has been booked by the Insured Person and ends when the Insured Person leaves home to commence the Journey or expiry of the Period of Insurance (whichever comes first). Cover for Curtailment and cover under all other Sections begins when the Insured Person leaves home during the Period of Insurance to commence the Journey and ends upon the Insured Person’s return home or expiry of the Period of Insurance (whichever comes first).
Significant Features and Benefits
|Section||Sub-Section||Benefit Amount / Limit of Indemnity*||Excess|
|1. Personal Accident||€32,000||NIL|
|2. Medical||Emergency medical & repatriation expenses Hospital confinement benefit Emergency dental treatment Funeral expenses||i. €10,000,000
ii. €100 (€20/24 hrs)
|3. Personal liability||€2,000,000||NIL|
*€ shall mean Euro Currency
Aggregate Limit of Liability
ERV shall not be liable for any amount in excess of the amounts shown below. If the aggregate amount of all benefits payable exceeds that amount the benefit payable for each Insured Person shall be proportionately reduced until the total of all benefits does not exceed the Aggregate Limit.
Per Event overall under Section 1. Personal Injury €1,000,000
Per Journey or event overall under the Section 3. Cancellation and Curtailment. €75,000
ERV Emergency Assistance: In the event of a medical emergency, telephone ERV Emergency Assistance on: +44 1444 454 540 from outside the UK or 0 1444 454 540 from within the UK at any time of the day or night, 365 days a year. ERV Emergency Assistance will give you advice and assistance in the event of any medically-related emergency.
Please quote your name, the Policy Number and Period of insurance. Please remember to give a telephone number where you can be contacted.
ERV Emergency Assistance will decide the most appropriate course of action to help you through the emergency — do not try to find your own solution.
Significant Exclusions — (See General Exclusions and the Specific Exclusions of each Section of the policy document).
There are some situations for which the Insured Student is not covered. These generally involve anything the Student already knows about or that are caused by deliberate or illegal acts on the part of the Insured Student. The most significant exclusions of this policy are set out here.
Claims due to the following causes will not be paid:
• ERV shall not be liable for Bodily Injury, loss, damage or expense resulting from or contributed to by, directly or indirectly:
o The Insured Person committing or attempting to commit suicide or intentionally inflicting self injury.
o The Insured Person engaging in hazardous activities and sports. (Appendix 1 of the Policy Wording)
o The Insured Person being a full time member of the armed forces of any nation or international authority or a member of any Reserve Forces called out for Permanent Service.
o War, whether declared or not in the Insured Person’s Country of Domicile.
• Any expenses incurred if the Policyholder or Insured Person is refused entry to the UK or has a Visa application refused.
• Medical expenses in the country of domicile
• Unattended valuables unless suitably locked away
• Loss or theft not reported to the police within 24 hours
• Regulations or order made by Public Authority or Government
There may be other exclusions which are significant to you. See the Specific Exclusions and General Exclusions Sections of the policy document for full details.
You must notify ERV Claims Service as soon as possible upon the occurrence of any Insured Event that may give rise to a claim if the value of the claim exceeds or is likely to exceed GBP 400. Cover will not apply if you notify ERV more than 60 days after the occurrence of any Insured Event.
1) Check the Policy Schedule and Policy Wording to see whether the loss is covered.
2) Contact ERV Claims Service during normal office hours, Monday to Friday, 09.00 to 17.00, Tel:+44 (0)1403 788 515, e-mail firstname.lastname@example.org as soon as possible, quoting your Policy number and tell us what has happened.
3) Please remember to keep relevant original receipts (not photocopies) as they will be required for any claim.
If you are not satisfied with ERV’s service, please contact:
The Managing Director
Financial Ombudsman Service
If you are not satisfied following receipt of ERV’s final response, you may contact the Financial Ombudsman Service:
Postal Address: South Quay Plaza, 183 Marsh Wall, London E14 9SR.
Telephone: 0845 080 1800 (within UK only)
Facsimile: +44 (0)20 7964 1001
Web Site: www.financial-ombudsman.org.uk
The existence of these complaints procedures does not affect any right of legal action you may have against ERV.
In the unlikely event that ERV is unable to meet its liabilities, you may be entitled to compensation under the Financial Services Compensation Scheme (FSCS). Their contact details are:
Postal Address: FSCS, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN.
Telephone: +44 (0)20 7892 7300
Web Site: www.fscs.org.uk