AIG

Assistance call deadline

Not specified in publicly available Cyprus-specific sources. Contact the AIG assistance line or authorised broker (DigiCare) for the applicable call deadline.

Unauthorized treatment

Policy terms require the insured to take all reasonable steps to avoid or reduce any loss, and to notify AIG before obtaining medical treatment where possible. Failure to comply may result in reduced or denied claims. Specific penalty terms for the Cyprus Global Travel Guard product are not publicly disclosed.

Purchase while abroad

Not confirmed in publicly available sources. The Cyprus branch or an authorised broker should be contacted for policy purchase conditions while abroad.

Chronic conditions

Chronic diseases that constitute pre-existing conditions are excluded from coverage. The policy does not cover medical conditions which the insured had before the cover incepted.

Pregnancy

Coverage for pregnancy-related conditions is subject to policy terms and conditions. The policy contains health-related conditions affecting persons travelling; specific pregnancy clauses are not disclosed in publicly available Cyprus-specific documents.

pre_existing_conditions

Pre-existing medical conditions are explicitly excluded. The policy does not cover medical conditions which you or persons travelling with you had before the cover incepted. This policy also does not cover medical conditions of a relative or business associate if you were aware of circumstances likely to lead to a cancellation at the time of booking.

coverage_duration_limit

The policy covers both return and one-way trips outside the country of residence, subject to the applicable duration terms set out in the policy. Specific maximum trip duration limits for the Cyprus Global Travel Guard product are not published in publicly available sources.

Medical expenses incurred overseas

Coverage for emergency medical treatment and hospitalization costs during travel outside country of residence

Emergency evacuation and repatriation

Coverage for emergency medical evacuation and repatriation to home or suitable medical facility

Trip cancellation or curtailment

Reimbursement of pre-paid, non-refundable trip costs if cancellation occurs due to covered reasons

Pre-existing medical conditions

Medical conditions which the insured had before the cover incepted are not covered unless waived

Commercial air travel requirement

Covered trips require an air journey in a commercial, scheduled aircraft as a condition of coverage