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Baggage and Personal Accident Insurance

Get cover for your baggage, flight cancellation, personal accident and more.

Schedule of Benefits

Territorial Limits South Africa
No cover while participating in Hazardous Activities/Adventure Sports/Manual Labour
Death and Permanent Disability R 250 000
2.1. Cancellation (specific reasons as per T&Cs) R 10 000
2.2. Postponement of your journey R 10 000
2.3. Travel delay (delayed for 4 hours or more) R 5 000
3.1. Theft or Damage to Baggage R 10 000
Accidental Loss of Baggage and Personal Items R 5 000
Single item limit on baggage and personal Items R 5 000
Single item limit on accidental loss of baggage and personal Items R 1 250
Single item limit for contact lenses, prescription spectacles, sunglasses R 500
Single item limit for personal computers and similar electronic equipment R 5 000
Single item limit for cellular phones R 5 000
3.2. Baggage Delay (delayed for 4 hours or more) R 1 000

Important Information

  1. There is no cover under the Personal Accident benefit while participating in an adventure activity.
  2. Pregnancy, childbirth and any pregnancy related conditions are excluded after the 25th week of pregnancy.
  3. Loss of or damage to baggage and personal items due to an airline carrier, rail or coach operator must be reported to them before you leave the terminal or airport.
  4. Loss of or damage to personal items due to theft or vandalism must be reported to a local police station within 24 hours of the incident.
  5. Accidental loss of personal items will only be covered if proof of the incident (e.g. affidavit) is provided and proof of ownership or purchase is provided.
  6. There are single item limits for baggage and personal items, please take note of these in your Schedule of Benefits and ensure that any valuable items are insured on an All Risk policy.

What You Are Covered For

Personal Accident Cover

This benefit pays out a cash benefit for death or permanent disablement due to an accident.

Cancellation and Journey Interruption

  1. Cancellation of your insured journey before it starts covers irrecoverable pre-paid expenses if you cannot travel at all due to Injury, illness, death (pre-existing medical conditions are excluded).
  2. Postponement of your journey covers irrecoverable pre-paid expenses if you cannot travel due to Injury, illness, death (pre-existing medical conditions are excluded).
  3. Travel delay provides cover for essential expenses when your scheduled departure is delayed due to strike, bad weather or mechanical breakdown.

Inconvenience Cover

Cover for the theft of, loss or damage to your personal belongings. We also pay for essential items if your baggage is delayed.

Claims Procedures

Europ Assistance South Africa is our claims assistance partner and manages claims on our behalf. It you need to submit a claim contact Europ Assistance on +21 11 991 8419 or e-mail them at A claim form will be sent to you, which must be completed and submitted back to this email address along with all supporting documents. A claim must be submitted to us within 60 days of your loss.

*Refer to the Policy Terms & Conditions for additional information or contact Hepstar at 086 144 4548.

Once purchased you will receive an email with links to:

  • Travel Insurance Certificate
  • Policy Terms and Conditions

Travelstart Online Travel Operations (Pty) Ltd is a juristic representative of Hepstar Financial Services (Pty) Ltd, an authorised financial services provider FSP45097. Insurance is underwritten by Regent Insurance Company Limited FSP25511.

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30 Apr 2017 - 09 May 2017

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