The Phoenix Travel Insurance covers medical expenses and other losses incurred while travelling internationally. However, this policy does not provide general health insurance cover.

This policy only becomes effective when you are outside Ghana.

Phoenix Life has partnered with a foreign company called “Mapfre Asistencia”, based in Spain, to handles all claims outside Ghana. The claimant shall contact Phoenix Life's representative through the under-stated address:

 

 

     MAPFRE ASISTENCIA, S.A.

C/sor Angela de la Cruz, no 6, Planta 11a

E-28020 MADRID

Tel: +353 91 560628 (Europe)

             +216 71 799999 (worldwide)

 

 

POLICIES FOR PERIOD EXCEEDING THREE MONTHS

Clients with Cover exceeding three months are permitted to:

• make multiple trips within the period

• stay up to a maximum of 92 consecutive days abroad per trip

 

The policy automatically expires after the 92 consecutive days spent per trip

 

MAXIMUM INSURED AGE:                                      80 YEARS OLD

PERSONS BELOW 18 YEARS OF AGE:                  50 % PREMIUM DISCOUNT

PERSONS AGED BETWEEN 66 & 75 YEARS:         50% PREMIUM LOADING

PERSONS AGED BETWEEN 76 & 80 YEARS:        100% PREMIUM LOADING

REFUND

The insured is entitled to a refund less company’s charges, when the letter from authorities denying him/her the visa is submitted in addition to the insured’s passport. Also, the policy schedule and receipt issued should be presented as proof of taking travel policy from Phoenix Life. These must be submitted before the effective date of the cover as stated in the schedule.

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EXTENSION

Should the insured require extending the effective date, he/she is permitted to do so within the three months provision before the effective date. During this period the policy goes into suspension mode until reinstated. Also, a policy may be extended if the visa processing is delayed for any reason but must be done before the effective date.