Terms and Conditions

1. The insurance has an age limit of up to 75 years, with a 50% surcharge applied to travelers over the age of 65. (Individuals over 60 years old must complete the attached health declaration form)
2. Coverage is only available to Sri Lankan citizens.
3. The territorial coverage includes Sri Lanka, Dubai, Chennai, the Maldives, and Bangladesh.
4. Coverage is provided for 5, 10, or 15 days from the departure date or until the traveler arrives back home, whichever occurs first.
5. There is a sublimit on Section 02: Medical Coverage Limits for Travelers Aged 56 and above.
   
   

   Medical Expense	Limit
   Room Charges	Maximum USD 150 per day up to 30 days
   Intensive Care Unit	Maximum USD 500 per day up to 10 days
   Surgical Treatment	Maximum USD 1,500
   Anesthetic Services	Up to 25% of surgical treatment
   Physician’s Visit	Maximum USD 25 per day up to 10 visits
   Diagnostic and Pre-Admission Testing	Maximum USD 125
   Ambulance Services	Maximum USD 100

6. Refunds are not permitted once purchased.

7. Covid Cover: When the appropriate additional premium has been paid, the Company shall cover the medical hospitalization of the Participant in case of illness related to the COVID-19 for a maximum limit as set in the Schedule of Benefits. This coverage will be only granted if Negative PCR Test or any COVID-19 equivalent test approved by country of origin authorities within 72 hours prior to scheduled departure or fulfillment of any travel requirement from destination country.
   
   Claims related to mandatory COVID-19 diagnostic tests that the Covered Person is required to take for the trip, such as pre-departure tests and post-arrival tests are not covered. Cover will be strictly due to medical complications related to COVID-19 and not to any pre-existing known or unknown pathology.

   Subjectivity: if COVID is re-declared as a pandemic in the future, it will then be strictly excluded from the treaty following to the declaration.