A Guide to Personal Accidence Cover 2023-2

Page 1

PLEASEREADTHISDOCUMENTCAREFULLY

PersonalAccidentInsuranceforStudents2023-2024: AParent’sGuidetoCover

TABLEOFCONTENTS

• HOW WILL YOUR POLICY WORK? PAGE3

• HOW CAN I SUBMIT A CLAIM? PAGE4

• POINTS OF CONTACT PAGE5

• TABLE OF BENEFITS PAGE6

• EXCLUSIONS – DEATH & DISABILITY PAGE7

• EXCLUSIONS – ACCIDENTAL MEDICAL EXPENSES

HOWWILLYOURPOLICYWORK?

• Parents can purchase cover for their children aged 3-19 throughout the policy period (28th September 2023 to 27th September 2024). This can be done by accessing the registration link at https://yallacompare.com/uae/en/youth-pa and submitting the student’s details (You'll need to complete a form for each childrequiring cover). You’ll then receive a Payfort secure payment link. Once your payment is made, you'll receive your child'scertificate on the same day,as well as a useful guide to the cover includinginformation about claiming,helpful points of contact, exclusions and other important detailsabout the policy.

• The geographical scope of cover is UAE, the listed sports will be covered within the UAE whether you are participatingin a match,or training,for a School, or a Club. Cover outside the UAE is excluded.

• All claimswill be covered on a reimbursementbasis. Covered claims will be paid within 14days following the Insurer’s receipt and acceptance of all original documents (see page 4 for further details).

• Players will be able to claim 100% of the actual invoice(s) up to the annual policy limit,and they will only be required to pay a AED 500 excess per claim.

HOWCANISUBMITACLAIM?

For injuries sustained during participationin any of the covered activities,members must notify us within 3 days via our dedicatedinbox: youthpa@yallacompare.com. Please include the following in your notification:

✔ Student’s name and certificatenumber, their passport copy and visa page, and EID copy

✔ Nature of injury

✔ Date and place of accident

✔ Completed Claim form signed by the member or parent. A copy of the reimbursement claim form can be found on the following page: https://yallacompare.com/uae/en/youth-pa

✔ Clinic/hospital receipts together with Doctor’s Prescription for and treatment referred including MRIs, X-rays, physiotherapy etc.

✔ Medical report detailing history, diagnosis and prescribed course of treatment

✔ Reports for any MRIs, X-rays etc.

• You MUST retain all original copies of documents. These will be required by Salama to process your claim following your initial notification.

POINTSOFCONTACT

Dedicated inbox for queries: youthpa@yallacompare.com

Dedicatedinbox for claimnotifications: claims@salamalife.ae

Claim numbers: +9714 407 9999 / 800 SALAMA (800 725262)

TABLEOFBENEFITSPERMEMBER

Physiotherapy following a fracture, dislocation, or an injury where the student is hospitalised due to their injuries

Benefits Annual limit Emergency Medical Expenses AED 75,000 per member
Covered
to 3 sessions per injury Accidental death AED 50,000 per member Permanent Total Disability (Accidents only) AED 50,000 per member Permanent Partial Disability (Accidents only) % of sum insured as per Continental Scale Repatriation Expenses AED 25,000 per member Deductible per claim AED 500
Covered up to 10 sessions per injury Physiotherapy for soft-tissue injuries
up

WHATDOESTHEPOLICYEXCLUDE?

Participationin any sports in a professional capacity will notbe covered

✔ Sports will not be covered without proper use of tools/gears/apparatus and under supervision

✔ Multiple policies for one person is not allowed

✔ Participationin any sports in a professional capacity will notbe covered

✔ This policy is non-refundable

✔ Pre-existing conditionsare not covered

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