The travel insurance is valid world wide during the covered trip and which commences during the period of Insurance i.e., from 01/01/2012 to 31/12/2012 both days inclusive. Please note that any trip within Kuwait itself is not covered.

Any trip, not exceeding the number of days  (90 days) specified in the schedule, which commences during the period of Insurance and within the geographical limits specified in the schedule and for which at least 75% of the cost of the tickets has been purchased using the cardholders. Always provided that such purchase is made by the person who is the main account holder with NBK

Death due to accident of the insured person during the period of travel, baggage delay on a public carrier (> 6 hrs), delayed departure of the public carrier (> 6 hrs), medical expenses reimbursement, repatriation of the body to their home country in case of death during the insured period of the insured person.

This Section shall reimburse the cardholder in respect of expenses necessarily incurred for medical, surgical, diagnostic or remedial treatment as a result of the cardholder falling ill or sustaining accidental bodily injury in the course of a covered trip. Treatment for Pre- existing illness or medical conditions is excluded

Yes dental treatment is covered, but only for the emergency relief of pain to sound and natural teeth,( Eg, accidental damage to the sound and natural teeth) occurring during a covered trip.

All dependent children means unmarried children, step children or legally adopted children of the cardholder who at the date of any loss hereunder are under 18 or 23 years of age if still in full time education.

All legally wedded spouse(s) are covered.

Maximum of 90 days from the commencement of a trip or, if the journey is completed by returning back to Kuwait, whichever is the earlier.

Yes business trips are covered provided tickets are purchased with NBK credit card.

f you fall ill and it is an emergency then you need to visit a registered Medical physician/ doctor/hospital and consult for treatment. If the illness is serious and major medical treatment or in-patient treatment or repatriation to Kuwait is required you should call the 24 hour SAS telephone number for assistance. They will deal with the medical staff/hospital and arrange for any necessary treatment to be approved. They will normally arrange for cost of treatment to be reimbursed to the hospitals directly. The medical physician/doctor prescription, medical report signed by the attending doctor, medical bills/invoices paid need to be submitted along with the completed signed claim form.

submit along with the claim form all required documents, like medical report from the attending physician/ doctor, prescriptions, medical bills/ invoices for payment to various services provided by the hospital/clinic.

If it is a minor illness and the treatment cost is less than US$1,500 or equivalent you can pay the bills to the hospital directly and seek reimbursement from the insurance company later by providing all original documents, bills, invoices, medical reports etc. Above US$1,500 you can contact our world wide SAS assistance for help and they would negotiate with hospitals and if necessary would arrange for payment to the hospital after verifying and satisfying that you are not in breach of the policy terms and conditions.

Any registered hospitals or clinics with the appropriate Government agencies or Government Ministries.

No.

You should provide the list of items with their prices/invoices copies if available for any expensive items, date of purchases made so as to arrive at proper depreciation, along with the police report/ carriers lost report, mentioning the list of items lost together with their values.

Yes, depending upon the section of the policy under which you’re claiming. It would range from US$50 to US$100 for each loss or claim.

After you submit all the required claim documents to the Insurance company, you will receive your claim within 21 working days.

For any claim first you need to provide proof that the travel journey tickets have been purchased through NBK credit card then complete and submit the relevant claim form.

Pre – existing ailments, illness or health conditions are excluded.

You may buy tickets for friends using your card however they are not covered by this policy, cover is for Card-holder, spouse and dependant children only.