Personal
Personal, Travel & Accident Insurance
Individual and employee protection covering travel, accident and personal exposures — arranged through licensed providers.
What it covers
- Travel medical expenses, evacuation and repatriation
- Trip cancellation, curtailment and baggage, where included
- Personal accident benefits for death and permanent disability
- Group business travel schemes for workforces
Commonly excluded
- Pre-existing medical conditions unless declared and accepted
- Travel against official advisories for the destination
- Hazardous activities unless specifically covered
- Losses not reported within policy time limits
Eligibility
- Age and health criteria set by the insurer
- Destination and duration acceptable to underwriters
- Accurate disclosure of medical history
How a claim works
- 01Contact the assistance line immediately in a medical emergency
- 02Retain receipts, medical reports and police reports
- 03Notify within the policy's reporting deadline
- 04Submit the claim form with all supporting evidence
FAQ
Personal, Travel & Accident Insurance questions
Practical answers on how this instrument behaves in a real transaction.
Important notice
Osford Risk Group is not an insurer, surety or guarantor. Descriptions on this page are illustrative and are not an offer of cover or a statement of what any policy will pay. Actual coverage, exclusions, limits, deductibles, premiums, eligibility and availability depend on the insurer or surety, the underwriting outcome, the wording of the issued policy, bond or guarantee, and the law of the relevant jurisdiction. Regulated activity is arranged through appropriately licensed partners.