Section C - Medical and other expenses

(This section does not apply for trips within the United Kingdom other than for trips to the Channel Islands.) If you go into hospital as an in-patient for more than 24 consecutive hours, you must tell CEGA Air Ambulance immediately.

What you are covered for:

We will pay up to the sum insured shown on the Schedule of Benefits for the following necessary and reasonable costs incurred as a result of you being injured or ill during your trip.

  1. Emergency medical, surgical and hospital treatment. (Emergency dental treatment is covered up to GBP200 as long as it is for the immediate relief of pain only.)
  2. Up to GBP5,000 for either the cost of returning your body or ashes to the United Kingdom, or for the cost of a funeral in the country where you die if this is different from the country where you normally live.
  3. Extra accommodation and travel expenses (Economy class) to allow you to return to the United Kingdom if you cannot return as you originally booked provided this has been approved by CEGA Air Ambulance.
    1. Extra accommodation for someone to stay with you and travel home with you, if this is necessary due to medical advice, and authorized in advance by CEGA Air Ambulance; or
    2. Expenses for one relative or friend to travel from the United Kingdom to stay with you and travel home with you, if this is medically necessary, and authorized in advance by CEGA Air Ambulance.
  4. We will pay to return you to the United Kingdom if this is medically necessary, and CEGA Air Ambulance arrange this for you.

What you are not covered for:

  1. The first GBP50 of each claim for each insured person.
  2. Any treatment or surgery that we think is not immediately necessary and can wait until you return to the United Kingdom. Our decision is final and binding.
  3. Any expenses for treatment or surgery carried out more than 12 consecutive months after the date of the incident which you are claiming for.
  4. The extra cost of single or private room accommodation unless it is medically necessary.
  5. Any treatment or medication of any kind that you receive after you return to the United Kingdom.
  6. Any extra costs after the time when, in our medical advisor's opinion, you are fit to be returned to the United Kingdom.
  7. Any medical treatment or associated costs of any kind occurring after you have refused the offer of repatriation when in the opinion of our medical advisor you are fit to travel.

Please read the general conditions, general exclusions and Schedule of Benefits.

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