Frequently Asked Questions (FAQ's)

The following are a list of Frequently Asked Questions with the answers, should you have any further questions please do not hesitate to contact us.

1) What are the countries in which this free travel insurance is valid?
The travel insurance is valid world wide during the covered trip and which commences during the period of Insurance i.e., from 01/01/2008 to 31/12/2008 both days inclusive. Please note that any trip within Kuwait itself is not covered.

2) What is a Covered Trip?
COVERED TRIP shall mean 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 National Bank of Kuwait Credit Card (Classic/Gold/Diners/Platinum). Always provided that such purchase is made by the person who is the main account holder with the National Bank of Kuwait.

3) What are the benefits offered?
• Trip/flight delay
• Trip/flight cancellation
• Baggage delay
• Baggage lost
• Emergency Medical
• Body repatriation
• Personal liability

4) What Medical & Emergency Expenses are covered during the covered trip?
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.

5) Is dental treatment covered?
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.

6) Are my children covered? How many?
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.

7) Is my spouse(s) covered?
All legally wedded spouse(s) are covered.

8) What's the maximum length of time I can be covered per trip?
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.

9) Are business trips included?
Yes business trips are covered provided tickets are purchased with NBK credit card.

10) What do I do if I fall ill abroad during the insured period?
If 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.

11) How do I make a medical claim?
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.

12) When I fall ill abroad, will the insurance company directly settle the hospital bill, or am I required to pay first and then claim reimbursement?
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.

13) When I fall sick abroad, can I go to any hospital or only specified hospitals?
Any registered hospitals or clinics with the appropriate Government agencies or Government Ministries

14) Am I covered for Adventurous/ hazardous sports or activities?
No

15) How will the valuation of my lost baggage be made?
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.

16) Can I buy tickets for friends? Are they covered?
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.

17) In the event of a claim, am I liable to pay any excess?
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.

18) How and when will I get re-imbursement for a claim?
After you submit all the required claim documents to the Insurance company, you will receive your claim within 21 working days

19) What documents are required for making a claim?
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

20) Are there any 'health conditions'?
Pre – existing ailments, illness or health conditions are excluded.

PLEASE REFER TO THE FULL POLICY DOCUMENT FOR DETAILED TERMS, CONDITIONS, EXCLUSIONS, EXCESS AND COVERAGES.