Travel Insurance

Available on

  • O3 American Express® Gold Card.
  • O3 American Express® Platinum Card.
  • O3 American Express® Gold Business Card

Benefit summary (prospects)

Travel insurance on all tickets and lost items purchased using the O3 American Express cards.Travel assistance coverages are valid outside of Nigeria for the period of validity of the Policy; they only apply from the first (1st) day of travel Abroad to the ninety-second (92nd) consecutive travel day, even if the Policy was subscribed for a longer period. The coverage of the Policy shall not be extended after the start of the covered trip.Covers are granted outside Nigeria for Beneficiaries holding a Policy depending on the option and the card hold by the Beneficiaries:

  • Platinum: Worldwide
  • Gold Business: Worldwide
  • Gold: Worldwide

Benefit details (existing cardholders)

Travel insurance covers Travel tickets for close relatives, extension of beneficiary stay, cancellation or curtailment, delay in delivery luggage’s, additional compensation if delay in delivery luggage, additional compensation in the event of loss of luggage, compensation in the event of flight delay, Travel accident, Theft or loss of passport, mobile phone theft, purchase protection, missed departure. It also covers medical assistance (Emergency medical and hospitalization expenses abroad, medical transportation, emergency dental expenses abroad, sending medicine abroad, body repatriation in case of death, escort of the beneficiary by a close relative, Escort of a beneficiary who is less than 15years old etc.

Benefit terms and conditions

BENEFITS GOLD

Medical Assistance
Emergency medical & hospitalisation expenses abroad

$75 000 for accident & illness
deductible $50 for illness only
Medical Transportation Actual costs
Emergency dental expenses abroad $200 – deductible $50
Extension of beneficiary’s stay Accommodation up to $80 /night up to 10 nights.
Sending medicines abroad Costs of medicines refunded by Beneficiary
Body repatriation in case of death

Repatriation of body: actual costs
Actual post-mortem expenses
Coffin expenses up to
$1 000

Close relative

Escort of the beneficiary by a close relative 1 return ticket economy class airline
Escort of a beneficiary who is less than 15 years old

1 return ticket economy class airline
2 nights maximum / $80 per night
Fees for qualified escort
Travel ticket for a close relative 1 return ticket economy class airline

Transportation Insurance & Assistance

Information service if delay in delivering luggage Information service
Compensation if delay in delivering of luggage delay =/> 6h; $50 per hour, up to $200
Additional compensation in the event of loss of luggage 20 /kg up to $100
Compensation in the event of flight delay delay =/> 6 h; $50 per hour, up to $200

Legal Assistance Abroad

Lawyer’s expenses $1 000
Advance for bail $2 000 IOU Form

Other guarantees
Administrative information service in the event of loss or theft of personal

documents Service only
Theft or loss of passport Actual direct reproduction costs
Sending urgent messages Actual costs
Cancellation or curtailment Up to $1500
Missed departure Up to $200
Travel accident $50 000
Personal liability $50 000

Additional Covers

Emergency card replacement (To Be Provided in Conjunction with EPP) $300
Online fraud protection $1 500
MOBILE PHONE THEFT

replacement cost limit up to 200
Aggregate limit – 300
deductible $10

PURCHASE PROTECTION

replacement cost limit up to 200
Aggregate limit – 300
deductible $10

Customer journey and fulfilment process

The Beneficiary must notify the Assistance Company by telephone on the same day as the event. Any claim must be accompanied by the certification from the airline company describing the event. Whenever there is a situation that will give rise to a claim the client must contact AXA assistance and provide the following within the time frame mentioned in the contract;

  • Reason for the call / Claim
  • Description of incident
  • Customer Name
  • Date Of Birth
  • Contact Numbers and email address if any
  • Passport Number
  • Agreement Number

Our Service platform will check coverage , exclusion & create a case and inform the client on the following next steps ;

  1. Send all scan documentation to our claims service platform with a covering letter by email
  2. Send all original documentation to the Insurer.

When all documentation is received the claim handler will assess the claim and confirm the following:

  • Check if we have all the supporting documentation – if we dont have all documentation we will contact the client and ask same.
  • Check if the Policy is valid
  • Check if the incident is covered – If not covered, send a decline letter to the client with reason for declinature
  • If incident is covered, ask client for Bank Details and proceed with payment
  • Activate finance department for bank transfer.

Medical expenses Requirements or Claim:

  • Travel Details
  • Medical Certificate
  • Accident/Police Report (if applicable)
  • Receipts
  • Validation of the coverage
  • An official document from the bank with all the bank details
  • If ok Bank details of the insured filed on a form to be provided by the Assistance company

Delayed luggage Requirements for Claim:

  • the indemnification proof of the I.A.T.A. affiliated Airline company
  • The luggage Irregularity Report delivered by the Airline company
  • Luggage delivery note
  • Validation of the coverage
  • An official document from the bank with all the bank details
  • Bank details of the insured filed on a form to be provided by the Assistance company

Loss luggage Requirements for Claim:

  • the indemnification proof of the I.A.T.A. affiliated Airline company
  • The luggage Irregularity Report delivered by the air carrier
  • The luggage receipt clearly showing the weight of the luggage lost
  • An official document from the bank with all the bank details
  • Bank details of the insured filed on a form to be provided by the Assistance company

Personal Accident Requirement for Claim:

  • Travel Details
  • Medical Certificate
  • Accident/Police Report (if applicable)
  • Receipts
  • Validation of coverage
  • An official document from the bank with all the bank details
  • Bank details of the insured filed on a form to be provided by the Assistance company