Pregnancy and childbirth are not considered to be either an illness or injury. Cover is provided for unexpected complications relating to pregnancy, occurring more than 15 weeks prior to your expected delivery date (as long as you are not travelling against any health requirements stipulated by the airline or other public transport provider) . If you were to give birth whilst away, the child would be covered as well automatically under the existing policy (share in cover). However there is no cover available under any section of the policy for a pregnancy where any of the following applies:
Provided the swine flu was not already contracted prior to purchasing the insurance or booking the trip you will be covered against any cancellation of your holiday due to the contraction of Swine Flu should the doctor advise it is medically necessary to cancel the trip. The cancellation section will not cover you for disinclination (not wishing to) to travel due to fear of contracting Swine Flu. As long as you are not travelling against Foreign Office advice, and the condition is not pre-existing, you would be covered for any medical treatment relating to this.
Overseas Medical Expenses provides cover for the cost of your treatment in respect of emergency medical, surgical and hospital treatment, doctor's fees and transportation fees for sending you to hospital whilst outside your Country of Residence. The Hospital Daily Benefit is a daily allowance towards your personal expenses (for example calls home) in the event that you are hospitalised during your trip.
Oojah's travel insurance policies entitle you to medical assistance and cover for the costs of treatment as detailed in the policy wording. When you buy a policy, you're provided with a policy number and an assistance number that you can phone from anywhere around the world, 24 hours a day, 7 days a week, 365 days a year. Contact Europ Assistance immediately if you have a medical problem whilst overseas (011) 991 8610. We have to pre-authorise all expenses incurred in excess of R5,000.
We don't cover medical costs incurred within South Africa because of South African legislation. We are a registered short-term insurance provider, not a medical aid, and under the demarcation of the medical schemes act we are not allowed to defray from medical expenses.