Travel Insurance

Available on

• O3 American Express® Gold Card.
• O3 American Express® Platinum Card.
• O3 American Express® Gold Business Card

Benefit summary (prospects)

Travel insurance on all tickets and lost items purchased using the O3 American Express cards.Travel assistance coverages are valid outside of Nigeria for the period of validity of the Policy; they only apply from the first (1st) day of travel Abroad to the ninety-second (92nd) consecutive travel day, even if the Policy was subscribed for a longer period. The coverage of the Policy shall not be extended after the start of the covered trip.Covers are granted outside Nigeria for Beneficiaries holding a Policy depending on the option and the card hold by the Beneficiaries:

• Platinum: Worldwide
• Gold Business: Worldwide
• Gold: Worldwide

Benefit details (existing cardholders)

Travel insurance covers Travel tickets for close relatives, extension of beneficiary stay, cancellation or curtailment, delay in delivery luggage’s, additional compensation if delay in delivery luggage, additional compensation in the event of loss of luggage, compensation in the event of flight delay, Travel accident, Theft or loss of passport, mobile phone theft, purchase protection, missed departure. It also covers medical assistance (Emergency medical and hospitalization expenses abroad, medical transportation, emergency dental expenses abroad, sending medicine abroad, body repatriation in case of death, escort of the beneficiary by a close relative, Escort of a beneficiary who is less than 15years old etc.

Benefit terms and conditions

O3 American Express Gold Card members can enjoy travel insurance worldwide using O3 American Express Card. If the Beneficiary is hospitalised abroad for a period greater than ten (10) consecutive days, occurring whilst he/she was travelling alone Abroad, the Assistance Company arranges the return travel of a Close Relative of legal age and pays for a return ticket from the Country of Residence (1st class by train or economy class airline) to allow a Close Relative to go to their bedside. The Assistance Company can arrange and pay for the return ticket as soon as the duration of hospitalisation is known to be above ten (10) consecutive days. 

Customer journey and fulfilment process

The Beneficiary must notify the Assistance Company by telephone on the same day as the event. Any claim must be accompanied by the certification from the airline company describing the event. Whenever there is a situation that will give rise to a claim the client must contact AXA assistance and provide the following within the time frame mentioned in the contract;

• Reason for the call / Claim

• Description of incident

• Customer Name

• Date Of Birth

• Contact Numbers and email address if any

• Passport Number
• Agreement Number

Our Service platform will check coverage , exclusion & create a case and inform the client on the following next steps ;

1. Send all scan documentation to our claims service platform with a covering letter by email
2. Send all original documentation to the Insurer.

When all documentation is received the claim handler will assess the claim and confirm the following:

• Check if we have all the supporting documentation – if we dont have all documentation we will contact the client and ask same.

• Check if the Policy is valid

• Check if the incident is covered – If not covered, send a decline letter to the client with reason for declinature

• If incident is covered, ask client for Bank Details and proceed with payment

• Activate finance department for bank transfer.

Medical expenses Requirements or Claim:

• Travel Details

• Medical Certificate

• Accident/Police Report (if applicable)

• Receipts

• Validation of the coverage

• An official document from the bank with all the bank details

• If ok Bank details of the insured filed on a form to be provided by the Assistance company

Delayed luggage Requirements for Claim:

• the indemnification proof of the I.A.T.A. affiliated Airline company

• The luggage Irregularity Report delivered by the Airline company

• Luggage delivery note

• Validation of the coverage

• An official document from the bank with all the bank details

• Bank details of the insured filed on a form to be provided by the Assistance company

Loss luggage Requirements for Claim:

• the indemnification proof of the I.A.T.A. affiliated Airline company

• The luggage Irregularity Report delivered by the air carrier

• The luggage receipt clearly showing the weight of the luggage lost

• An official document from the bank with all the bank details

• Bank details of the insured filed on a form to be provided by the Assistance company

Personal Accident Requirement for Claim:

• Travel Details

• Medical Certificate

• Accident/Police Report (if applicable)

• Receipts

• Validation of coverage

• An official document from the bank with all the bank details

• Bank details of the insured filed on a form to be provided by the Assistance company