GasanMamo Insurance Limited
GasanMamo
GasanMamo is a travel insurance for the Malta market with online purchase and 24/7 assistance.
Direct payment
The 24 Hour Worldwide Intana Global Emergency Service contacts hospitals abroad and guarantees necessary medical fees directly on behalf of the insured once notified, particularly for in-patient treatment and repatriation arrangements
Geographic scope
Worldwide, selected at purchase: Area 1 (Europe), Area 2 (Worldwide excluding USA & Canada), or Area 3 (Worldwide including USA & Canada)
Cover applies to round trips starting and ending in Malta to the selected Area Covered shown on the policy schedule; trips wholly within Malta are excluded
Unique selling points
- Executive Cover provides Emergency Medical and Associated Expenses up to €1,000,000, well above typical market minimums
- COVID-19 cover is included as standard, covering cancellation, additional travel/accommodation costs and emergency medical expenses at no extra cost
- Children under 16 years of age are covered free of charge when their parents or guardians are insured under the annual policy
- An optional Excess Waiver lets clients remove the standard policy excess from eligible claims for an additional premium
- The 24 Hour Worldwide Intana Global Emergency Service guarantees hospital fees and coordinates repatriation, funded entirely by GasanMamo
Coverage limits
Emergency Medical and Associated Expenses
€200,000 – €1,000,000
Total amount payable per insured for accidental bodily injury, illness or death during the trip, including emergency medical/dental treatment, additional accommodation and travel costs, and costs of returning home early: €200,000 under Standard Cover, €1,000,000 under Executive Cover
Emergency Medical Treatment
€200,000 – €1,000,000
Emergency medical treatment (including rescue services to hospital) incurred outside Malta is covered within the overall Emergency Medical and Associated Expenses limit of €200,000 (Standard) / €1,000,000 (Executive), subject to a medical certificate from the treating doctor abroad
Hospital Cash Benefit
€750 – €900
Fixed in-patient cash benefit (not expense reimbursement) if admitted to a hospital abroad licensed for surgery: €25/24h up to €750 total (Standard) or €30/24h up to €900 total (Executive); increased to €50/24h if the European Health Insurance Card is used. Actual in-patient treatment costs are reimbursed separately under the Emergency Medical and Associated Expenses section
Outpatient Emergency Treatment
Covered
Outpatient emergency medical treatment abroad is covered within the overall Emergency Medical and Associated Expenses limit; no separate outpatient sub-limit is specified in the policy
Emergency Dental Treatment
€1,000 – €1,250
Emergency dental treatment incurred outside Malta is covered within the overall Emergency Medical limit; treatment (medical or dental) required in Malta within 3 months of the booked return date is capped at a shared sub-limit of €1,000 (Standard) / €1,250 (Executive)
Medical Transport / Rescue Services
Covered
Rescue services to take the insured to hospital are covered as part of the overall Emergency Medical and Associated Expenses limit; no separate transport sub-limit is stated
Medical Evacuation / Early Return
Covered
Reasonable additional travel and accommodation expenses necessary to get the insured home if the return ticket cannot be used, or to return early due to a close relative's injury, illness or death, are covered within the overall Emergency Medical and Associated Expenses limit
Repatriation of Remains
Covered
The cost of returning the insured's body to their home address, or the cost of burial or cremation abroad where death occurred, is covered within the overall Emergency Medical and Associated Expenses limit
Search and Rescue
Covered
Rescue services required to take the insured to hospital following an accident or illness abroad are covered within the overall Emergency Medical and Associated Expenses limit
COVID-19 Cover
€1,000,000
Cover for COVID-19 includes up to €7,500 for cancellation/abandonment charges, up to €100 per 24-hour period (max €1,000) for additional travel and accommodation expenses, up to €500 for additional return travel expenses, and up to €1,000,000 for emergency medical and associated expenses if the insured contracts COVID-19 while on a trip; this section overrides the general coronavirus exclusion elsewhere in the policy
Pre-existing Conditions
Excluded
Claims under the Personal Accident, Cancellation and Curtailment, Emergency Medical and Hospital Cash Benefit sections are excluded if the insured was receiving or awaiting medical/surgical treatment at inception, or suffering from a serious or chronic illness/injury requiring consultation or treatment within the preceding 12 months (Health Warranty)
Winter Sports Cover
€1,000 – €2,000
Optional extension (additional premium required) covering loss/theft/damage to winter sports equipment up to €1,000 (Standard) / €2,000 (Executive); also unlocks related Piste Closure cover (up to €200/€350) and Ski Pack cover (up to €250/€500)
Adventure Sports Cover
Excluded
Death, injury, illness or disablement resulting from mountaineering, rock climbing, hunting, trapping, pot-holing, white-water rafting/canoeing, bungee jumping, jet skiing, sub-aqua diving, kayaking, tubing or organised team sports is excluded
Pregnancy Complications
No limit stated
Not addressed as a distinct benefit in the policy wording or IPID
Personal Liability
€1,250,000
Covers all sums the insured becomes personally legally liable to pay for accidents during the trip resulting in death or bodily injury of any person or loss of/damage to property, up to €1,250,000 for all claims from any one occurrence, plus extra costs and expenses awarded/incurred with written permission; this limit applies equally under Standard and Executive Cover
Legal Assistance / Costs
Covered
Extra legal costs and expenses awarded against the insured or incurred with GasanMamo's written permission are paid as part of the Personal Liability section, without a separately stated sub-limit
24/7 Worldwide Emergency Assistance
Covered
The 24 Hour Worldwide Intana Global Emergency Service, paid for by GasanMamo, contacts hospitals, guarantees necessary medical fees, consults medical advisors and arranges repatriation to Malta when medically suitable
Key conditions
Assistance call deadline
The insured must contact GasanMamo with full details in writing as soon as possible, but not later than seven days following arrival back in Malta, after any bodily injury, illness, incident, unemployment or discovery of loss/damage; Cancellation and Curtailment claims must be notified immediately once the insured becomes aware of a reason to cancel or curtail
Unauthorized treatment
No payment is made for any in-patient treatment or repatriation expenses or fees that have not been agreed in advance by GasanMamo Insurance or the Intana Global Emergency Service
Purchase while abroad
Cover only operates if all insured persons are normally resident in Malta at the date the Schedule is issued and the trip is a round trip starting and ending in Malta, meaning the policy cannot be purchased while already abroad on a trip
Chronic conditions
Claims under the medical, personal accident, cancellation and hospital cash sections are excluded if the insured was suffering from a serious or chronic illness or injury requiring consultation or treatment within the 12 months before taking out the policy
Pregnancy
The policy wording and IPID do not contain a specific clause addressing pregnancy or pregnancy-related complications
Pre-existing condition exclusions
Claims relating to a medical condition for which the insured was receiving or on a waiting list for in-patient treatment, had received a terminal prognosis, or intended to seek treatment during the trip at the time of booking are excluded
Coverage duration limit
The annual policy runs for a 12-month period; per-trip duration is limited to a maximum of 30 days, 6 months or 12 months for Area 1 (Europe), and a maximum of 30 days or 6 months for Area 2 (Worldwide excluding USA & Canada) and Area 3 (Worldwide including USA & Canada), as selected on the schedule
Policy specifics
Emergency Medical and Associated Expenses
Coverage for costs arising from medical conditions during travel, with pre-existing condition exclusions applied
SourceHospital Cash Benefit
Additional benefit payable if insured is admitted to hospital during covered trip
SourceCOVID-19 Cover
Coverage for cancellation charges, additional travel and accommodation expenses, and emergency medical and associated expenses related to COVID-19
SourceBaggage and Personal Belongings
Coverage for accidental loss of or damage to personal belongings and baggage during the period of insurance
SourcePersonal Accident
Coverage for bodily injury caused by accidental and external means resulting in death or disablement
SourceExcess Waiver
Optional enhancement to waive the policy excess against payment of additional premium
SourceMalta Residency Requirement
All people entitled to benefit under policy must be normally resident in Malta at date of Schedule issue
SourceRound Trip Requirement
Policy covers only round trips starting and ending in Malta during period of insurance
SourceClaim Notification Period
Insured must report any event which might lead to claim as soon as possible, but within 7 days following arrival to Malta
SourcePre-existing Condition Exclusion
Claims for medical expenses not covered if insured was receiving treatment or suffering from serious or chronic illness requiring consultation or treatment within 12 months prior to policy inception
SourceMaximum Trip Duration
Annual policy covers trips up to specified maximum duration per trip depending on coverage area selected
SourceEmergency Assistance Requirement
Not established from the insurer's documents
In-patient treatment or repatriation expenses must be agreed in advance by GasanMamo Insurance or Collinson Medical Assistance
24 Hour Worldwide Emergency Medical Assistance
If serious injury or illness occurs while abroad, assistance coordinators will contact hospitals and guarantee medical fees
SourceCoverage Area Selection
Insured selects coverage area when purchasing: Area 1 (Europe), Area 2 (Worldwide excluding USA & Canada), or Area 3 (Worldwide including USA & Canada)
SourceFree Children Cover
Children under 16 years of age covered free if parents and/or guardians insured under annual policy
Source