Starlight Cruises Travel Insurance .

Travel insurance is always the last thing on our minds when we plan a well earned holiday. The best planned holiday can be ruined by lost baggage or unexpected travel delays and the resulting costs.

Injuries experienced on board a cruise liner off the coast of Africa could require repatriation to South Africa for treatment as limited medical facilities are available on board.

Travel insurance is for your own protection.

N.B. It is compulsory that you take out insurance from Starlight Cruises.

Features To Make Your Journey Easier
Terrorism Cover
You will be covered for Terrorism on the International cruises. Refer to the Schedule of Benefits for details. (available in the dowloads section of this website)

Age Limits
This Policy covers any event as defined in the Policy Wording to an Insured Person who is: - From age 3 months to 85 years at the date of such event.

With respect to Permanent Total Disablement, cover ceases on the insured's 65th birthday unless gainfully employed.

No Benefits will be paid to persons over the age of 70 years if the claim is as a result of any Cardiac, Cardio Vascular, Vascular or Cerebro Vascular Illness or Conditions.

Important Information

Schedule of Benefits
This brochure must be read in conjunction with the Schedule of Benefits (available in the downloads section of this website) which forms part of the Policy Wording.

About the Tour Operator
Your tour operator is mandated by AIG South Africa Ltd., and is authorised to provide information and intermediary services with regard to the sale of this product.

Medical Claims and Assistance
For Emergency Medical and Related Expenses claims, please contact AIG Assist on +27 11 541 1303 as soon as possible after the incident. If not approved by AIG Assist our liability will be limited to R2 000 for any one incident. The services of AIG Assist are provided by International SOS.

Other Claims
Other claim requests should be submitted on your return to South Africa. All original supporting documentation should be submitted to: AIG Assist Claims, P O Box 4561- Halfway House 1685.

Who is International SOS?
International SOS is the world's leading global health care and assistance network, operating in 60 countries. They offer medical and technical support to those travelling outside their home countries. To facilitate medical intervention and evacuations, International SOS has a medical doctor in their alarm centre 24 hours a day.

Complaints and Dispute Resolution
We have developed an internal procedure for dispute resolution so that if, at any time, our products or services have not satisfied your expectations, you can contact our Compliance Officer on 0860 100 491 or complasntssa@aig.com. Our complaints and disputes resolution procedure will have your complaint reviewed by management. You may access this procedure on our website at: www.aig.co.za.

Summary of General Exclusions
Full details available in the policy wording available on www.aig.co.za

AIG will not be liable to pay any benefit caused by or arising directly or indirectly from:

War and Terrorism (there is limited terrorism cover under the International Product); or
Nuclear, Biological and Chemical contamination; or
Engaging in occupational activities underground or requiring the use of explosives; or
Wilful or deliberate exposure to danger (except in an attempt to save human life), intentional self inflicted injury, suicide or attempt thereat; or
Deliberate violation of criminal law; or
Travelling by air except as a passenger on a legally licensed aircraft or where the Insured Person is acting as part of the aircraft crew; or
Mental disorders; or
Pregnancy or childbirth of the Insured Person (except for an unexpected medical complication or emergency occurring during the first 26 weeks of the pregnancy); or
Sexually transmitted diseases and the conditions commonly known as AIDS or HIV and/or any related illness or condition including derivatives or variations thereof, howsoever, acquired or caused; or
Chronic fatigue syndrome or myalgic encephalomyelitis (M.E.) (anticardioipin antibody positivity) or the Illness commonly referred to as yuppie flu; or
An Insured Person being under the influence of alcohol, drugs or narcotics; or
Any Pre-existing Medical Condition; or
Any cardiac or cardio vascular or vascular or cerebro vascular illness or conditions or sequelae thereof or complications that, in the opinion of a Medical Practitioner appointed by the Company, can reasonably be related thereto, if the Insured Person has received medical advice or treatment (including medication) for hypertension 6 months prior to the commencement of the Insured Journey; or
An Insured Person travelling against medical advice or to seek medical attention or advice or with a terminal condition which was diagnosed prior to the Insured Journey or when he is unfit to do so; or
Any cardiac or cardio vascular or vascular or cerebro vascular illness or conditions or sequelae thereof or complications that, in the opinion of a Medical Practitioner appointed by the Company, can reasonably be related thereto, for persons over the age of 70 years; or
Employment involving Manual Labour, other than off duty; or
Undertaking employment on a permanent or contract basis which is not casual, other than whilst on a leisure trip; or
Participating in any sport as a Professional Player; or
School sports; or
Any Hazardous Pursuits, sports or activities which introduce or increase the possibility of a loss; or
Consequential loss of any kind or financial loss and/or expense not otherwise specifically covered; or
Default or insolvency of the carrier; or
The Insured Person's intention to emigrate.

Please Note: The description of cover provided here is for Marketing purposes only, and is subject to the Full Terms, Conditions, Exclusions and Endorsements of the Policy Wording. Please ensure that you obtain a copy of the relevant Policy Wording from Starlight Cruises or the Travel Agent with whom your reservation was made. Alternatively, contact our travel helpline on 0860 100 491 weekdays, from 8:00am to 8:00pm, or visit our website at www.aig.co.za.

24 HOUR EMERGENCY MEDICAL ASSISTANCE - +27 11 541 13O3

Click on the link here to read or print the Master Policy Document.

To view and/or print these documents you will need to use the Adobe Acrobat Reader. To download a free copy of the Adobe Acrobat Reader please click here

Thank you