Annual Travel

Each insured pays an annual premium. The insurance is automatically renewed each year, unless it is cancelled in writing. Please note  that the renewal premium is lower than first year’s premium.

Your  policy premium may be subject to Insurance Premium Tax based  on your  country of residence. If this is the case, the amount

of any taxes, levies or charges will be shown on your  premium notice. For more  detailed information on any taxes in your  country of residence, please refer  to ihi Bupa or your  local representative.

1st  year  premium
Basic Cover

USD

2 – 16 years

130

17 – 36 years

190

37 – 59 years

200

60 – 69 years

267

Non-Medical Option

USD

2 – 69 years

103

Trip Cancellation Option

USD

2 – 69 years

81

Renewal Basic Cover

USD

2 – 16 years

94

17 – 36 years

136

37 – 59 years

145

60 – 69 years

192

Non-Medical Option

USD

2 – 69 years

81

Trip Cancellation Option

USD

2 – 69 years

65

Discounts

You are entitled to a premium discount in the following circumstances:

  • When  you take out Worldwide Travel  Options on www.ihi.com, you will  receive a 5% discount.
  • If you already have an ihi Bupa medical insurance plan, you will  receive a discount.

* Premium payable in Nepalese currency.

Note :13% Vat is an Extra

Basic Cover

This is the fundamental cover providing inpatient cover and much more. The Basic cover can be taken out on its own or you can choose to add one or both of the following option.

Note : Expeditions, mountaineering and trekking in Antarctica, the North Pole and Greenland are not covered by the insurance.

Benefits : ihi Denmark Bupa Annual Policy

(World wide except Permanent residential address and Iraq & Afghanistan)

Valid from 1 January 2014

The List of cover and benefits is part of the Policy Conditions

Maximum cover and benefits are per person per trip.

Basic Cover

USD

Maxmimum cover per person per trip

Unlimited

Hospitalization

100%

Outpatient treatment by doctor/specialist

100%

Prescribed medicines

100%

Prescribed treatment by physiotherapist/chiropractor

2500

Provisional pain -stilling dental treatment

300

Ambulance transportation

100%

Medical Evacuation/Repatriation

100%

Evacuation

100%

Return Trip

100%

Compassionate Emergency Repatriation

100%

Accompaniment

100%

Compassionate Emergency Visit

100%

Accommodation, food and local transportation for an insured unable to continue their travel itinerary due to acute illness or injury or persons summoned or accompanying an insued, per person

6,000

per day300

Statutory arrangements in case of death

100%

Home transportation of the deceased

100%

Continuation of trip  post treatment (must be pre-approved by the Company)

100%

Maximum Cover and benefits are per person per trip:

Non-Medical Option

USD

Personal accident – death and disability

75,000

Baggage – theft, loss or damage

2,000

Theft of passport and/or cash

200

Baggage delay

500

Personal liability – property damage

500,000

Personal liability – bodily injury

1,000,000

Flight delay

500

Per day 100

Hospital daily benefit

2,000

per day 50

Security and legal assistance

10,000

Trip Cancellation Option

USD

Single Trip

2,000

Annual – per trip

1,500

The complete terms and insurance sums are stated in the Policy Conditions.

NOTE:

1)If the client is from Belgium, France, Luxemburg, Portugal, Spain, UK or Austria he/she has to pay a premium tax which is sent to the Government in the given country.

The rates are :

UK : 20 % of the premium

Belgium : 19.25% of the premium

France : 9% of the premium

Luxemburg : 4 % of the premium

Portugal : 7.242% of the premium

Spain : 0.15% of the premium

Austria : 1% of the premium

2) Loading of 300% on standard premium for individuals and groups working in Iraq & Afghanistan or traveling there on business.

3) Insured have  to provide their address in country of permanent residence.

4) Please note that IHI Travel Policy issues from Denmark  directly through internet so please provide the detail of person(s) to be covered before two/three days.

Note: If the insurance is taken out after the insured has let the country of permanent residence, there is a waiting period of 3 days before the insurance takes effect. In the event of serious injury in connection with an accident, the right to compensation shall, however, take effect concurrently with the date of commencement of the insurance

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