FNB Travel Insurance provides travel insurance of up to R5 million for medical and related expenses.
FNB Travel Insurance is designed for FNB credit card and cheque account holders under the age of 75.
Outpatient services require an additional fee of R2,000.00 for medical and related expenses upon claim submission. In contrast, inpatient clients facing a medical emergency do not incur extra charges.
The insurance becomes active upon purchasing return tickets with a participating FNB cheque or credit card. Additionally, residents of Lesotho, Namibia, and Swaziland are eligible for this coverage.
Quarantine costs are reimbursed at R3,000.00 per day, capped at R30,000.00. An excess fee of R500.00 applies when making a quarantine-related claim.
Dental care up to R2,000.00 is covered, with an excess fee of R350.00 applicable for dental claims.
The plan also includes coverage for accidental death while traveling, up to R250,000.00, and accidental permanent disability, up to R750,000.00.
Other related expenses covered by the insurance policy include:
- Medical Transportation, Repatriation and Evacuation
- Compassionate Emergency Visit
- Repatriation of Children
- Repatriation of Travel Companion
- Burial, Cremation or Return of Mortal Remains
Other types of emergencies are also covered by FNB Travel Insurance. The following are the pre-existing medical emergencies that are covered by the plan.
FNB Travel Insurance Included Medical Emergencies
The FNB plan covers the sudden and unexpected onset of a pre-existing medical condition that may necessitate emergency medical treatment. The plan pays for inpatient hospital expenses. Pre-existing medical conditions are covered for a maximum of R500,000.00.
The plan also covers any additional expenses incurred as a direct result of covered injuries, illnesses, or diseases.
The plan cover policyholders for the following:
Medical Transportation, Repatriation and Evacuation
The plan covers transportation to the most appropriate medical facility for the insured to receive necessary treatment. The plan allows for an organized plan in which an assistance company can assist in transporting the insured to a facility. If necessary, repatriation to the insured’s home country is also provided. FNB will make such arrangements through their assistance company.
Compassionate Emergency Visit
If the insured is hospitalized for 5 days or more in a row, the policy will pay for reasonable hotel and airfare expenses for a family member. Accommodation is paid for in a three-star hotel and does not include calls, meals, or drinks.
The insurance covers a family member who, on the advice of a doctor, stays with you until you are able to resume your journey.
Repatriation of Children
If your accompanied children are left stranded in the event of your hospitalization, repatriation, or death, FNB travel insurance will arrange and pay for their transportation back to their country of residence, if necessary, with a qualified escort, provided they are also insured by FNB.
Repatriation of Travel Companion
If your traveling companion is left stranded due to your hospitalization, repatriation, or death, FNB will arrange and pay for their transportation back to their country of residence with a qualified escort if required, provided they are also insured by FNB Insure.
List of FNB Credit Cards that Qualify for FNB Travel Insurance
- FNB Aspire Credit Card
- FNB Premier Credit Card
- FNB Private Client Credit Card
- FNB Private Wealth Credit Card
- RMB Private Bank Credit Card
- FNB Fusion Gold Card
- FNB Fusion Premier Card
- FNB Fusion Private Clients Card
- FNB Fusion Private Wealth Card
- FNB Premier Debit Card
- FNB Private Client Debit Card
- FNB Private Wealth Debit Card
- RMB Private Bank Debit Card
- FNB Islamic Premier Debit Card
- FNB Islamic Private Clients Debit Card
- FNB Islamic Private Wealth Debit Card
- FNB Business Platinum Debit Card
- FNB Enterprise Debit Card
- FNB Islamic Business Platinum Debit Card
- FNB Islamic Enterprise Debit Card
- FNB Business Private Clients Debit Card
- FNB/RMB Private Bank Business Debit Card
- FNB Business Gold Credit Card
- FNB Business Platinum Credit Card
- FNB Business Black Credit Card
- FNB Business Lodge Credit Card
- FNB Corporate Gold Credit Card
- FNB Corporate Platinum Credit Card
- FNB Corporate Black Credit Card
- FNB Corporate Lodge Credit Card
Advantages of FNB Travel Insurance
- The travel insurance is free for FNB and RMB credit card and cheque account holders.
- The travel insurance is free for the first 90 days of your journey.
- Other nationalities, such as Swati, can also purchase the product.
- Accidental death is covered under the plan.
- Accidental permanent disablement has the highest cover amount of up to R750,000.00.
- The cover is available to individuals up to the age of 74, which is a high age restriction.
- Emergency medical and related expenses are covered for up to R5,000,000.00 on international travels.
- In-hospital pre-existing conditions are covered by the plan for up to R500,000.00.
Disadvantages of FNB Travel Insurance
- The cover is only available to some FNB credit card and cheque account holders.
FNB Travel Insurance Application
- Must have a participating FNB credit card.
- Purchase your return tickets using your qualifying FNB card.
Conclusion
FNB Travel Insurance is one of South Africa’s most comprehensive travel insurance products. The product is designed to cover not only medical expenses but also in-hospital medical expenses due to pre-existing conditions, as well as accidental death and permanent disability coverage.
The plan also covers death and disability caused by war and terrorism. The plan eliminates the need for travellers to require additional coverage while traveling. However, it is recommended to keep some money aside when traveling to pay for any excess fees required when making a claim.”