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Risk Management Services are agents for AXA Insurance (Gulf) BSC(c) and can arrange your travel insurance with: TRAVEL SMART Simply download and complete the proposal form and forward it to us together with your premium payment. We will immediately acknowledge and register your insurance and send you a policy document. No insurance is in force until RMS have acknowledged your application and provided confirmation.
Questions & Answers Who can be insured? Any resident or citizen of the Gulf Cooperation Council who is 65 years of age or younger. Can any trip be covered? Travel Smart Insurance covers conventional non-working holidays, or business trips that do not involve manual labor. This coverage is not available to people leaving their country of residence permanently. How to apply for cover? Complete the attached application or provide travel details to RMS. Cover will commence only when this application has been accepted and premium received. How do I declare a claim? • Theft: You must provide written proof from the police that the incident has been reported. • Baggage Delay: Written proof of the delayed delivery must be obtained from the airline. • Medical Expenses: Claim is payable only if AXA Assistance has been contacted (+33 1 55 92 24 98) and has approved the cost. A full medical certificate from the attending doctor must be submitted along with original bills and receipts. Main Exclusions from the cover • Medical expenses not approved by AXA Assistance • Cover in the country of residence • Cost of prosthetics, cosmetic plastic surgery, physiotherapy, pregnancy, pre-existing conditions • Dental treatment other than emergency dental treatment • Any consequence attributable directly or indirectly to infection by Human Immunodeficiency Virus and/or any HIV related illness • Willfully, self-inflicted injury or illness, sexually transmitted diseases, solvent abuse, alcoholism, the use of drugs, self-exposure to needless peril • Practice of a dangerous sport, or practice of sports on a professional basis • Work of any kind undertaken during the holiday (other than clerical duties) • Wear and tear, depreciation, mechanical or electrical breakdown or derangement • Theft not reported to police within 24 hours of discovery • Willful act of an Insured Person • Any consequence of war, terrorism and related risks
Disclaimer: This commentary provides only summary information about coverage. Full details of terms, coverage, conditions and exclusions are contained in the Policy, available from any AXA branch office in the Gulf or at our website Risk Management Services llc, P.O. Box 1734, Ruwi, Postal Code 112, Sultanate of Oman Phone: (968) 24700404 Fax (968) 24798423 e-Mail: insure@rmsllc.com |
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