ETIHAD AIRWAYS TRAVEL GUARD

Etihad Airways Travel Guard
Policy Terms & Conditions
This Policy is issued in accordance with the Cooperative Insurance Companies Supervision Law
promulgated by Royal Decree No. M/32 dated 02/06/1424H and its Implementing Regulations
issued under Ministerial Resolution No. 1/596 dated 01/03/1425H in this respect.
In accordance with its Articles of Association as a Cooperative Insurance Company, SANAD
Cooperative Insurance & Reinsurance Company (hereinafter called "the Company") will
distribute to the Policy holders, as required by Article No. 70 (2-e) of the implementing
Regulations, at least 10% (Ten Percent) of the net annual surplus, if any, arising from its
insurance operations either in cash or in the form of a reduction in premium (contribution) for the
subsequent year.
The Insured having applied to the Company for the Insurance expressed herein and made a
Proposal and Declaration which shall be the basis of this contract and is deemed to be
incorporated herein and having paid or agreed to pay the Premium as consideration for the
insurance;
The Company will, subject to the terms exceptions and conditions contained herein, insure in the
manner and to the extent hereinafter provided.
GENERAL DEFINITIONS
Wherever the following words or phrases appear in the policy wording they will always have the
meanings shown under them:
Business associate Any person who works at your place of business and who, if you were both
away from work at the same time, would prevent the business from running properly.
Child/children A child of the policyholder or the policyholder’s partner who is under 18 years of
age at the date of buying this policy and is either in full time education or living with them.
Home Your usual place of residence within Saudi Arabia.
Manual labour Work involving physical labour, for example, but not limited to, construction,
installation and assembly. This does not include bar and restaurant staff, music and singing, or
fruit picking (not involving machinery).
Pair or set of items A number of items associated as being similar or complementary or used
together.
Partner A legally married spouse.
Policy schedule The document showing the names and other details of all the people insured
under this policy and any special conditions that apply.
Pre-existing Condition: a condition for which care, treatment, or advice was recommended by or
received from a Physician or which was first manifested or contracted within a period upto 2 years
preceding the Insured Person’s Effective Date of Coverage,
Relative Your partner and your or your partner’s parent, brother, sister, son, daughter,
grandparent, grandchild, stepparent, stepchild, stepbrother, stepsister or next of kin.
Valuables Photographic, audio, video and electrical equipment (including cds, dvds, video and
audio tapes and electronic games), MP3 players, computer equipment, binoculars, antiques,
jewellery, watches, furs, silks, precious stones and articles made of or containing gold, silver or
precious metals.