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Travel Insurance

Whether you travel for business or for pleasure, international travel involves risks that could ruin an importance business trip or an eagerly awaited family vacation. You may fall sick suddenly and face huge hospital bills that are difficult to meet. Or you may miss a flight, lose your luggage or travel documents. Or you could even experience an unpleasant incident in an unfamiliar place, which could leave you vulnerable.

Our travel insurance takes care of these worries and provides you with the peace of mind you need when away from home.

Individual Travel Insurance

With Allianz as your travel partner, you can relax and enjoy risk- free travel. Allianz provides you with comprehensive covers at affordable premiums. We give you the option of choosing the exact cover to meet your needs, where and whenever you want. You have the choice of protection for a single trip or you could choose an annual travel insurance plan. We also have s package designed especially for the student travelling overseas for studies.

Features

  • Medical expenses and representation: covers hospitalization expenses for accident or illness, including medical evacuation where necessary
  • Personal Accident: covers death and permanent disability
  • Loss of Checked in Baggage: compensation will be provided for lost baggage
  • Delay of Checked Baggage: covers cost of emergency purchases
  • Loss of Passport: covers reasonable costs of obtaining a duplicate passport or other valid travel document
  • Personal Liability: covers any legal liabilities you incur in your private capacity during the course of overseas travel
  • Missed Departure: If you miss your flight for a reason such as traffic congestion, you will be compensated for associated costs
  • Home Safety: covers loss or damage to your household contents following a theft by violent and forcible entry into or exit from the premises while your principal residence in Sri Lanka is left vacant during your travel overseas.

Advantages

  • Direct payments to hospitals means you are provided with the financial support to meet unexpected medical needs outside your country
  • Sudden and unforeseen expenditure is taken care of. You and your family are assured of a hassle- free trip

Travel Assistance

  • Pre-trip information services
  • Medical advice by telephone
  • Hospital admission
  • Referral of medical service provider
  • Embassy referral
  • Interpreter referral
  • Weather and exchange rate information assistance
  • Emergency message transmission assistance
  • Lost luggage assistance
  • Lost passport assistance

Some of the main exclusions

  • Routine physical and other medical checkups and examinations
  • Travel for the purpose of obtaining medical treatment
  • Suicide, attempted suicide or willful self-inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness or drug abuse, HIV, AIDS
  • Pregnancy resulting in childbirth, miscarriage, or abortion, or complications arising out of any of the foregoing
  • Cost of dentures, dental appliances, false limbs, hearing aids, contact or corneal lenses or spectacles (prescribed or otherwise)
  • Any illness / sickness caused or contributed by pre-existing conditions
  • Treatment of any congenital anomalies / defects
  • Loss or damage to personal baggage / passport as a result of confiscation or detention by customs, police or other authority
  • Loss caused by the insured’s failure to take reasonable steps to safeguard the loss of personal baggage / passport
  • Loss of passport not reported to the appropriate police authority within 24 hours of discovery of the loss, in respect of which an official report has not been obtained

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