Lifeline Plus - Group Personal Accident & Travel
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Claims information for businesses and their insured employees under a Lifeline Plus Group Personal Accident & Travel Policy.
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Travel Insurance
Key benefits for business travellers
- 12 months multi-trip Business Travel Insurance for all employees on a business trip (including UK trips)
- No age limits
- Directors, their partners and children (and a nanny!) covered on personal travel trips
- Pre-existing medical conditions covered as long as the person is not travelling against a medical practitioner’s advice
- We aim to agree 90% of personal property, baggage delay and money claims by phone in less than 15 minutes
- Changes to the trip
- Natural catastrophe cover
All Sections of Lifeline Plus Travel policies taken out or renewed on or after 1st January 2011 will include natural catastrophe cover.
Cancellation, curtailment, disruption and delay
We'll pay up to £10,000 or whatever higher amount is agreed if a trip has to be cancelled, curtailed or altered by anything outside the control of either the business or an insured person.
Cancellation before departure
We'll pay for deposits and advance payments for transport and accommodation.
Curtailed trips
We’ll pay for any expenses that can’t be recovered and for the cost of returning a person to the UK and sending a replacement to assume their duties.
Altered trips
We’ll reimburse additional travel and accommodation costs that can’t be recovered, to continue the trip or return to the UK.
Travel delay
We’ll pay £50 per hour (starting after the first four hours delay) up to a maximum of £500.
What’s not included- disinclination to travel or to continue a trip
- default by a provider (or their agent) of transport or accommodation
- Public Authority or Government regulations
- strike, labour dispute, mechanical breakdown or other failure of transport except in specified circumstances
- Medical help & rescue
- You can't put a price on treatment and recovery, so there's no limit on medical expenses outside the UK incurred within 24 months of an injury or illness or the insured person's permanent country of residence.
In addition to the cost of emergency medical and rescue fees for a sick or injured traveller, we’ll pay:- additional travel and accommodation expenses for the traveller or a person who has to travel to, remain with, or escort the traveller
- up to £50,000 for the cost of in-patient medical charges during the three months after a traveller returns to the UK or their own permanent country of residence
- £50 each day, for up to 365 days, if a traveller is sick or injured and a hospital in-patient
- rescue costs to get someone to an appropriate medical facility or back home, where recommended by a medical advisor
- rescue costs to bring a person’s body or ashes and personal effects home
Plus, our Assistance services are available 24/7 and staffed by experienced multi-lingual assistance co-ordinators.
What’s not included- travelling against medical advice or to receive medical advice or treatment
- use of non-prescribed drugs that cannot be obtained legally from a pharmacy
- intentional self-injury, suicide or attempted suicide
- Personal property & money
- Some property is relatively easy to replace. Other property, like travel documents, can involve official bodies that may not be located nearby. And whilst delayed baggage may not be lost, it’s likely to require a shopping trip. So, we offer financial solutions in each of these situations. Plus we cover losses resulting from lost or stolen personal money, foreign currency and traveller’s cheques.
We’ll pay up to:- personal property: £5,000 (or other sum insured selected) for lost, stolen or damaged personal property
- money, credit, debit or charge cards: £5,000 if money for travel, meals, accommodation and personal expenditure is lost or stolen, or credit, debit or charge cards are used fraudulently
- travel documents: £1,500 towards extra travel and accommodation costs to replace lost or damaged, essential travel documents (e.g. passport, visa, money, travel tickets)
- home keys: £250 to replace locks if a person loses their home keys
- delayed baggage: £1,000 to buy essential items because personal baggage is temporarily lost for more than four hours during an outward or return trip (if property is permanently lost, any payment is deducted from the final claim payment)
As foreign currency and travellers cheques are generally purchased in advance and deposited or cashed afterwards, we’ll cover them for up to 120 hours either side of a trip.
What’s not included- any item worth more than £2,000 unless the policyholder or insured person pays 25% of the difference between £2,000 and the replacement value
- any loss of money of more than £2,000 unless the policyholder or insured person pays the first 25% of the difference between £2,000 and the value of the cash loss (or sum insured if that is less)
- fraudulent use of a lost or stolen credit, charge or cash card unless the card issuer’s terms and conditions have been complied with
Please note: For a full description of the exclusions and cover limitations for personal property please read the policy document
- Legal expenses & liability
- People can get injured by a third party when they're travelling or injure a third party or damage their property. Lifeline Plus covers these scenarios.
If travellers- want to sue third parties that have injured them we’ll pay up to £50,000 towards their legal expenses
- are sued by third parties for injuries or damaged property we’ll pay up to £5 million in awarded damages and compensation, plus legal costs and expenses
Legal expenses
Claims for damages and/or compensation against a third party- that are not due to accidental bodily injury, death or illness
- with no reasonable legal grounds for pursuing
Legal Liability
Any liability due to- employment related injury, sickness or disease
- a mechanically propelled vehicle, aircraft or watercraft
- carrying on any trade, business or profession
- loss or damage to property owned by, or in the custody of the policyholder or an employee
Please note: For a full description of the exclusions and cover limitations for legal expenses and liability please read the policy document.
- Hijack, kidnap or being held hostage
- We’ll pay
- £500 each day a traveller is forcibly or illegally detained on an aircraft, ship or train – up to a maximum of £25,000
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up to £250,000 in any 12 months as ransom money and up to £50,000 in any 12 months for fees and expenses payable to consultants we choose to respond to a ransom demand
- fraudulent, dishonest or criminal acts of the policyholder or a person it has authorised to have custody of ransom monies (but not a ransom payment because a local authority has declared payment illegal)
- kidnap within a hostage’s permanent country of residence or other designated countries (including Colombia, Iraq, Mexico, Nigeria, Philippines, Venezuela or Yemen)
Please note: For a full description of the exclusions and cover limitations for hijack and kidnap please read the policy document.
- Political evacuation
- Evacuation and repatriation costs and expenses due to political evacuation or instability.
We’ll pay up to £50,000 for evacuation and repatriation costs if- a traveller is being expelled, declared persona non grata or the insured’s property is being seized or confiscated
- an appropriate authority issues an advisory order to all its government personnel in non-emergency positions and their dependents to leave a country
What’s not included
Any claim due to- alleged violation of the host country’s laws
- failure to maintain and possess required documents and visas
Please note: For a full description of the exclusions and cover limitations for Political Evacuation please read the policy document.