|I would like to|
|Get a quote||Update/Cancel my policy||Submit a claim|
|RSA ID number/Passport number||*||The identity number of the primary policy holder|
|I would like to||*||
|Why do you want to cancel
(select all that apply)
|Please provide details of the cancellation||*|
|Please select your reason for update
(select all that apply)
|Please provide details of the update||*|
|RSA ID number/Passport number||*||The identity number of the primary policy holder|
|Alternative contact number||*|
|Type of claim||*|
|Date that incident occured||*|
|Description of your claim||*|
|Please select your primary reason for travelling||*||
|Total number of travellers||*|
|How many travellers are over the age of 70||*|
|How many travellers are dependants
(under the age of 21)
|Are all travellers South African residents||*||
|Select your destination||*|
|Travel start date||*|
|Travel end date||*|
|Please enter broker agent number (if applicable)|
Select your preferred package
(travellers up to the age of 70)
(based on your selection)
|Non pre-existing||R5 000 000||R20 000 000||R50 000 000||R50 000 000||R5 000 000|
|Sub-limit: dental||R2 000||R2 000||R2 000||R2 000||R2 000|
|Sub-limit: terrorism||R2 000 000||R2 000 000||R2 000 000||R2 000 000||R2 000 000|
|Pre-existing conditions (in hospital expenses)||R500 000||R500 000||R500 000||R500 000||R500 000|
|Accidental death and disability||R50 000||R100 000||R150 000||R150 000||-|
|Carrier accumulation limit||R50 000 000||R50 000 000||R50 000 000||R50 000 000||R50 000 000|
|Baggage, money, credit cards, and travellers cheques|
|Section limit||R10 000||R15 000||R25 000||R25 000||R10 000|
|Sub-limit: baggage delay (more than 6 hours)||R1 500||R2 000||R3 500||R3 500||R1 500|
|Sub-limit: money, credit cards, travellers cheques and passports||R2 000||R2 000||R2 000||R2 000||R2 000|
|Sub-limit: any one article, pair or set of articles||R1 500||R2 000||R3 500||R3 500||R1 500|
|Sub-limit: cellphones||R1 000||R1 000||R1 000||R1 000||R1 000|
|Sub-limit: contact lenses, prescription spectacles or sunglasses||R1 000||R1 000||R1 000||R1 000||R1 000|
|Travel delay and travel missed connection|
|Delayed departure of a public conveyance (6 hours +)||R3 500||R4 000||R5 000||R5 000||R3 500|
|Travel missed connection||R2 500||R5 000||R20 000||R20 000||R5000|
|Section limit||R500 000||R1 000 000||R5 000 000||R5 000 000||R1 000 000|
|Cancellation and curtailment|
|Section limit||R10 000||R20 000||R50 000||R50 000||R10 000|
|Sub-limit: unexpected illness, injury or death||R10 000||R20 000||R50 000||R50 000||R10 000|
|Sub-limit: damage to immovable property owned by you||R10 000||R20 000||R50 000||R50 000||R10 000|
|Sub-limit: cancellation for any reason||-||-||R25 000||R25 000||-|
|End supplier insolvency|
|Section limit||-||-||R25 000||R25 000||-|
|Sports and activities|
|Medical cover||Included in non pre-existing medical cover|
|Loss or damage to equipment||Included in baggage cover|
|Personal liability claims|
|Excess applicable to each and every claim||R1 000||R1 000||R1 000||R1 000||R1 000|
|All other claims|
|Excess applicable to each and every claim||R500||R500||R500||R500||R500|
|General enquiries (South Africa)|
|General enquiries (International)||+27 11 556 7060|
|Claims (South Africa)||0860 25 24 66 (press 2 for claims)|
|Claims (International)||+27 11 556 7060 (press 2 for claims)|
|Enquiries & policy firstname.lastname@example.org|
|Claim administration email@example.com|
The quickest way is to buy online on our travel insurance portal.
Click here to get a quote.
You can pay online. We accept credit cards and debit cards.
Yes, our site is 128 bit encrypted by Verisign. We use Nedbank to facilitate our online payments, and, our online payments are 3D Secure. 3D Secure is a fraud prevention mechanism and stands for 3 Domain Server. There are 3 parties that are involved in the 3D secure process of verifying correct payment details:
Travel insurance must be obtained at least 3 days before you embark on your journey.
You can purchase travel insurance up to 12 months before you travel.
Yes, the insured can cancel at any time by giving 30 days notice, provided that no claims have been made and the insured has not commenced the trip.
No, travel insurance must be obtained before you embark on your journey.
Yes, we will issue you with a new policy for the extra days.
Yes, we will issue you with a policy for the extra days, provided that you request the extension before your current policy lapses.
Yes, you may, provided you contact us prior to your departure.
The premium that we charge is influenced by the duration of your trip, the level of cover that you select and the number of people who will be covered under the policy.
No, only travellers up to the age of 70 are eligible for our business package.
You cannot select a combination of business travellers and senior travellers.
Please purchase two separate policies in this scenario.
We have designed a range of quality travel insurance products to provide personal and business travelers with cover for their specific requirements in the event of a medical or travel emergency while travelling both locally and abroad.
Our product does not cover travel to high risk areas. This includes countries, regions and territories where the Foreign & Commonwealth Office (FCO) has advised against travel.
Yes. Emergency malaria treatment is covered. We recommend that you be aware of the risks associated with contracting malaria and take precautionary measures before departure. Anti-malaria medication should be obtained from a travel clinic prior to departure.
Cover is available for sports and activities that are not considered to be dangerous if listed in the Schedule of Benefits to be included. Sports undertaken for leisure purposes, for example, snow skiing, water skiing and scuba diving, and are automatically covered. All other sports that are deemed hazardous, risky, competitive or professional require a sports extension to be arranged prior to departure.
Yes. Any unexpected medical complication or emergency that occurs up to the first day of the 26th week of pregnancy is covered.
The maximum age we will cover is 70 for the personal and business product, if you are older than 70 you will need to take out our senior product. You cannot take out any product if you are 81 years or older.
No, you are not covered if you work overseas. But, if you are travelling for business purposes with the intention of returning back to your work in your country of residence you will be able to purchase the business cover.
The country of which you are a citizen or permanent resident. The travel insurance product will be available to travelers who are SA residents travelling locally and abroad and it will also be available to foreign residents travelling to SA.
Depending on the product you have chosen you may be covered in the event that a supplier or airline goes bankrupt. Please review your benefit schedule.
Yes, your children or grandchildren travelling with you will automatically share your cover if you have selected the personal product. If you have chosen the senior product or business product you will need to take out separate cover for your children or grandchildren.
You may be covered for the costs that you incur in ending your journey early as a result of this event.
The cover that you receive will be dependant on the product you have chosen.
You can contact us at the following numbers / e-mail addresses:
You have the option to submit or lodge a claim in the following ways:
Within 90 days of an accident. Within 30 days of death by for a death benefit by a beneficiary and within 30 days of an occurrence that may give rise to a claim.
Should we receive all necessary documentation in respect of your claim, an assessment should take between 15 and 20 working days, depending on the complexity of the claim.
The supporting documentation required depends on the nature of your claim. Please refer to the below list which sets out the required documentation for our various types of claims.
You may still lodge the claim. The assessment thereof will be delayed, however, until the necessary documentation has been provided.
No, you may lodge a claim while you are travelling abroad.
You can submit your complaint in writing to firstname.lastname@example.org
Welcome to the OMINSURE Insurance Limited ("OMINSURE") website located within the Republic of South Africa. By accessing and using this website you agree to be bound by the terms and conditions contained herein.
The website must be used for lawful purposes only.
OMINSURE has the sole discretion to suspend or block your access at any time for any reason.
The content or information of the website shall not be copied by you.
Any restrictions or security measures that are used to prevent access must not be violated and any unauthorised use of the website may give rise to civil or criminal action against you.
OMINSURE may make changes to the website at any time without notice.
OMINSURE is a registered and licensed financial service provider and underwriter of travel insurance policy product/s (the "product/s") sold on this Site.
There are 3 stages in the conclusion of a contract of insurance:
The full payment of the quote by you is evidence that you have accepted the quote and a contract of insurance (the "insurance contract") has been entered into between OMINSURE and you.
Clause 5 below deals with the insurance contract.
The insurance contract is concluded between OMINSURE and you when you purchase the product/s and services by you using this website. This insurance contract, subject to terms and conditions as may be imposed by OMINSURE.
All disputes arising from the insurance contract, and especially where OMINSURE disputes liability in terms of the product/s or service purchased by you, must be dealt with directly with OMINSURE only. In other words, you will have recourse directly against OMINSURE.
You are required to make payment immediately upon purchase of the product/s or service. If incorrect pricing is displayed or you over or underpay for a particular product or service, you will be notified by OMINSURE. You must pay any outstanding amounts requested by the OMINSURE. You cannot refuse to pay any outstanding amounts by relying on the price or amount displayed. However, you are entitled to cancel the insurance contract in accordance with the terms and conditions imposed by OMINSURE.
OMINSURE will refund any overpaid amount to you.
Credit cards and debit cards are accepted.
After your payment has been verified by OMINSURE, the product documentation will be sent to you via email.
You may cancel your policy and receive a refund of your payment subject to the terms and conditions of your insurance contract.
In the event of the following arising:
OMINSURE reserves the right not to accept your request for insurance and your insurance policy may be cancelled if already issued.
If you default on payment the insurance cover will be withdrawn.
If payment has been received, such payment will be refunded to you, subject to terms and conditions of the insurance contract. You will not be entitled to any additional compensatory relief in any way or form, including interest.
The product/s or service selected by you is solely made by your discretion and it is accepted that you have read and understood the terms and conditions and the benefits provided in this website to determine the suitability of the product/s or service selected.
OMINSURE does not make any representations as to the suitability of a product/s or service and does not include, perform or provide any advisory services in this regard.
You are responsible for providing accurate information to the website and it is accepted that all personal and travel details displayed on the OMINSURE Travel Insurance Certificate (the "Certificate") are correct.
OMINSURE shall not be liable for incorrect information displayed on the Certificate and it is your responsibility to request the amendment of incorrect information.
OMINSURE will not be liable for your failure to present documentation provided when applying for a travel Visa or your failure to provide such documentation in time for your appointment at the relevant embassy.
You must ensure insurance is purchased with sufficient opportunity to receive the documents prior to the appointment.
Your policy may be cancelled in terms of the provisions of the terms and conditions of the policy if you fail to accurately provide all material information in relation to such insurance products.
Complaints related to the product/s or services must be made in writing to OMINSURE and must contain details of the complaint. OMINSURE will acknowledge each complaint within 1 working day of receipt and will endeavour to resolve the complaint within 5 working days. If the complaint cannot be resolved to your satisfaction, you may submit your complaint in writing to the Ombudsman for Short-Term Insurance at PO Box 32334, Braamfontein, 2017. The Ombudsman may also be contacted on Telephone: 0860 OMBUDS (0860 662 837) or (011) 726 8900, Fax: (011) 726 5501 and e-mail: email@example.com.
All complaints related to insurance claims must follow the complaints procedure stated in the policy terms and conditions from which you are making a claim.
All information provided by you of a personal nature provided to this website shall be kept strictly confidential, but will be subject to statutory and regulatory obligations.
All intellectual property rights in and to the aforementioned vests in OMINSURE and you shall not reproduce, sell, transfer or modify any content or data on the website without the express written permission of OMINSURE.
OMINSURE retains all rights in and to any copyright or registered or unregistered trademarks on this website and future content not owned by any third parties. Any copyrights or trademarks of other products and/or company names used or displayed on this website are done so with the consent of the owners thereof.
This website is owned and operated within the Republic of South Africa and the terms and conditions are therefore governed by the laws of South Africa. The High Court of South Africa, Johannesburg will have exclusive jurisdiction over any dispute arising from use of this website.
OMINSURE, its employees and agents, shall not be liable for loss, damage, consequential or special damages, accident, injury, illness, harm, trauma, death, delay or inconvenience (collectively "losses") to you or any other person or party or your/their property, except if directly or indirectly arising from the gross negligence or wilful misconduct of OMINSURE, its employees or agents, in which case any such liability will be limited to R15 000. You agree to indemnify and hold harmless OMINSURE from and against any claims of third parties in respect of the above damages or losses. OMINSURE will under no circumstances be liable for any indirect or consequential losses.
The accuracy of all product information and pricing on this website is not guaranteed and OMINSURE will not be held liable for any inaccuracies relating to the aforementioned. Your right of recourse shall only lie against OMINSURE in terms of the relevant product terms and conditions, including a right to cancel the contract and be refunded the amount paid.
OMINSURE is not liable for the acts, errors, omissions, representations, warranties, breaches or negligence or for any personal injuries, death, property damage, or other damages or expenses resulting thereof.
|Complaints Management Policy|
|Conflicts of Interest Management Policy|