Bank of Maldives

CREDIT CARD

Travel Takaful Coverage

Section	Green Card (USD)	Gold Card (USD)	Platinum Card (USD)
Personal Accident Covers death and permanent disablement including eyes and limbs up to the Sum covered according to the Table of Losses Excess: USD 100	100,000	200,000	500,000
Personal Liability Covers legal liability incurred by the participant in his private capacity to pay damages for third party civil claims (property damages and bodily injury) occurring during covered Journey. Excess: USD 100	10,000	20,000	20,000
Delay of Flight Covers reimbursement of expenses incurred by the participant for meals and accommodation only when the participant’s flight is delayed beyond 4 hours due to aircraft technical defects/malfunction, adverse weather conditions and Industrial strikes. Excess: USD 25	300 (excess 4 hrs)	600 (excess 4 hrs)	600 (excess 4 hrs)
Checked in Baggage Delay Covers reimbursement of emergency purchases of toiletries, medication, and clothing, incurred due to the covered Checked in Baggage being delayed more than 5 hours beyond the time of the participant’s arrival outside of Maldives. Excess: USD 25	300 (excess 5 hrs)	600 (excess 5 hrs)	600 (excess 5 hrs)
Loss of Passport Covers the reasonable and necessary expenses incurred to obtain a Travel permit or a valid travel document. Excess: USD 25	300	500	500
Checked in Baggage Loss USD 250 any one article USD 300 in respect if Jewellery and Valuables. Excess: USD 25 Compensates participant for the complete and permanent loss of the participant’s Checked in Baggage.	1000 in all	1500 in all	1500 in all
Hijacking Compensates you for each full 24-hour period you are the victim of a hijack.	Maximum up to USD 400 Sub Limit: USD 40 per 24 hours	Maximum up to USD 500 Sub Limit: USD 50 per 24 hours	Maximum up to USD 600 Sub Limit: USD 60 per 24 hours
Pre-trip information services Embassy referral Weather and exchange rate information assistance Emergency message transmission assistance Arrangement of Hotel accommodation in case of an Emergency Interpreter referral Lost Luggage assistance Compensates participant for the expenses incurred during the journey to obtain any of the services mentioned above	20 per day up to a maximum of 200	30 per day up to a maximum of 500	30 per day up to a maximum of 500
Emergency Travel Medical Takaful Covers your Medical Expenses (not pre-existing conditions) including hospitalization for accident or illness. Excess: USD 100	-	-	25,000
Emergency Medical Evacuation and Repatriation Services Excess: USD 100	-	-	25,000
Any one event limit	10,000,000	10,000,000	10,000,000

*All takaful contribution/ prices in the quotation are GST exempted

Important instructions

1. The Participant should make sure that you take all necessary action to minimize the losses.

2. Do not admit liability at any point or offer to settle the claim unless you have obtained the written consent from us.

List of documents required for some travel claims.

1. EMERGENCY MEDICAL AND REPATRIATION COSTS

Duly filled claim form
Receipts or bills for all in-patient/out-patient treatment or emergency dental treatment received
In the event of death, the original death certificate and receipts or bills for funeral, cremation or repatriation expenses
Receipts or bills for substantiate the claim
Receipts or bills or proof of purchase for any other transport, accommodation or other costs, charges or expenses claimed for

2. DELAY OF FLIGHTS

Duly filled claim form
Written confirmation from the operator (or their handling agents) confirming number of hours of delay for and reason for delay together with confirmation of check in times and details of any alternative transport offered
All travel tickets and tags
Invoices for additional costs incurred (meals and accommodations)

3. CANCELLING OR CUTTING SHORT YOUR TRIP

Duly filled claim form
A medical certificate from the treating medical practitioner (or in the case of stress, anxiety, depression or any other mental or nervous disorder, a consultant specializing in the relevant field) explaining why it was necessary for you to cancel or curtail the trip.
In the case of death causing cancellation or curtailment of the trip, the original death certificate
Booking confirmation together with a cancellation invoice from your travel agent, tour operator or provider of transport/accommodation
In the case of curtailment claims, written details from your travel agent, tour operator or provider of transport/accommodation of the separate costs of transport, accommodation and other pre-paid costs or charges that made up the total cost of the trip
Your unused travel tickets
Receipts or bills for any costs, charges or expenses claimed for
In the case of compulsory quarantine, a letter from the relevant authority or the treating medical practitioner. In the case of jury service or witness attendance, the court summons
The letter of redundancy for redundancy claims
A letter from the commanding officer concerned, confirming cancellation of authorized leave or call up for operational reasons
In the case of serious damage to your home a report from the Police or relevant authority

4. MISSED DEPARTURE

Duly filled claim form
A letter from the public transport provider detailing the reasons for failure.
A letter from the relevant public transport provider, carrier or authority confirming details of the strike, industrial action or adverse weather conditions
Your unused travel tickets
Receipts or bills or proof of purchase for any transport, accommodation or other costs, charges or expenses claimed for

5. LOSS OF CHECKED IN BAGGAGE

Duly filled claim form
A Property Irregularity Report from the airline or a letter from the carrier where loss, theft or damage occurred in their custody
All travel tickets and tags for submission
An original receipt, proof of ownership or valuations for items lost and for all items of clothing, medication and toiletries replaced if your baggage is temporarily lost in transit for more than 12 hours
A letter from the carrier confirming the number of hours your baggage was delayed for
At the initial stage of a claim, Insurer will proceed with the review and processing stage with scanned copies of the documents; however, once a claim reaches the settlement stage, they will require the original copies.

Note: The above listed documents under each section is a general list of documents required.

Depending on the case Insurer may require additional documents / information.

Travel Takaful

Travel Takaful Claim Process

How to claim?

CREDIT CARD

Travel Takaful Coverage