FAQs


Injury and Travel Insurance Policy


  • Who is insured under an Injury and Travel Insurance policy?

    All Directors (other than a non-executive director) and Employees of the company are insured by the policy (there is also limited cover provided for accompanying partners and children of directors and employees but please refer to the policy wording for further details on this).It is also important that each insured person has reviewed and understood the terms of the policy.

  • Do I have to be an Irish resident in order to be covered under this policy?

    No, but you must have been permanently resident in the Republic of Ireland for the past 6 months prior to the date of issue.

  • What is the maximum age limit of an insured person on this policy?

    The maximum age limit is 85 years.

  • What is the maximum trip duration allowed on the policy?

    This policy allows a maximum trip duration for any one trip of up to 31 days.

  • I have a medical condition, can I be covered?

    If you need to make a change to your policy/details please contact us on 0818 484 484 and we will be happy to assist you.

  • I have a medical condition, can I be covered?

    Before you buy a policy, we ask you to confirm that you are NOT

    receiving or on a waiting list for treatment in a hospital or nursing home

    travelling against the advice of a medically qualified doctor

    travelling for the purpose of obtaining medical treatment

    travelling after being given a terminal prognosis

    If you can confirm all these points you can buy our cover online.

  • Do I have to pay medical expenses and claim them back or will you pay them directly?

    A - If it’s a medical emergency and you are admitted to hospital our emergency assistance service (Mapfre Assistance + 353 91 545 955 will guarantee the fees of the hospital and attending doctor (s) - so you don’t have to pay) In cases where the expenses are small, you may opt to pay, or be asked to pay, and claim the money back. Please talk to our emergency assistance service, unless the case is very minor, and they will decide what to do.

  • What is the name of the Assistance Company and when should I call them?

    Mapfre Assistance Emergency Assistance Service can be contacted on + 353 91 545 955. Always contact Mapfre Assistance first in the event of inpatient medical treatment or if you wish to curtail home from a trip.

  • What should I do if I require medical treatment in Australia?

    There is a Reciprocal Health Agreement in place between Ireland and Australia. As a resident of the Republic of Ireland you are entitled to free treatment as a public in-patient or outpatient at a public hospital and access to subsidised medicines under the Pharmaceutical Benefits Scheme during your visit to Australia. This covers any ill health or injury needing medical treatment while in Australia. If you require medical treatment in Australia you must access these benefits by showing your passport at hospitals or pharmacies. If you do not, we may reject your claim or reduce the amount we pay to you.

  • Are staff covered for personal holiday trips?

    Directors and their accompanying spouse and children are covered by this policy for separate holiday trips but employees are not. Please note our cover is primarily designed for business travel, so it may not extend to cover all the specific costs/risks associated with personal holiday trips and the activities you plan on undertaking. Please refer to the policy wording before travel to ensure you have adequate cover for your trip.

  • Are Employees covered to extend the business trip with a few days holiday?

    The primary purpose of your trip must be for business. But you may choose to include leisure travel during your trip. Remember our cover is primarily designed for business travel - so it may not extend to cover all the specific costs/risks associated with your pleasure activities. You should check the policy wording before purchasing. For just holiday insurance check out www.blueinsurance.ie

  • Are there certain occupations that cannot be covered by this policy?

    This Injury and Travel Insurance policy is designed to cover the majority of clerical and manual occupations. However duly excluded are labour accidents that are directly and exclusively a consequence of an activity that involves risk for the physical integrity or the health of the worker: due to the use of tools, vehicles, ships, aircraft, machinery and equipment in the course of their work; due to the worker’s exposition to harmful agents; due to the use of explosive, inflammable or hazardous substances during the execution of their work; due to undertaking work on floating vessels or platforms, aircraft, tunnels, towers, posts, wells, quarries, levelling or other works and, in general, in exposed, confined, unstable or notoriously dangerous locations.

    If the insured persons are involved in manual work and the business description matches one of the listed trades below, please contact us and we will attempt to provide an alternative quotation. Construction (e.g. jobbing builders, maintenance companies, groundwork contractors, bricklayers, roofers, road layers, motorway maintenance and tunnel/pipe/cable layers);

    Foundry/Steelworks (i.e. involved in the manufacture of raw materials);

    Window Cleaners (domestic and commercial);

    Forestry/Sawmills;

    *Off shore work - unless this is incidental to the company’s main trade;

    Police/Fire & Ambulance Services;

    Professional Sportspeople and Entertainers (where your livelihood depends on you being able to participate in sports, athletics or entertainment);

    Abattoirs & Slaughter Houses;

    Aircrew;

    Agricultural & Horticultural Work;

    Farming & Fish Farming;

    Trawler Men/Women;

    Media Groups

    Non-Government organisations / Charities

    *Helicopter trips to off shore oil rigs must be referred prior to quotation and may be subject to an additional premium.

  • How do I make a claim?

    If the complaint is in relation to your policy please contact Blue Insurance Limited on Tel 0818 484 484. If your complaint is in relation to a claim on your policy please contact Mapfre Assisstance Travel claims on Tel 0818 286 534.

Important Conditions Relating To Health

Tel: 0818 286 525

Please note certain medical conditions will incur an additional premium.

Medical Screening Line Opening Hours

  • Monday: Friday 9am to 8pm
  • Saturday: 9am to 5pm
  • Sunday: 11am to 3pm
  • Quoting Reference: Blue Irish Broker 2015-2016.

Private Health Insurance Members

If you hold a valid private health insurance with a minimum of �55,000 of inpatient medical cover abroad and have declared your private health insurance details to us, then you do not need to contact the medical screening line as detailed below.

Important note: If your private health insurance does not provide cover for the full duration of your trip abroad as stated on your validation certificate you will still be required to contact the Medical Screening Line to declare your medical conditions.

Non Private Health Insurance Members

At the time of taking out this policy, do you have or have you had any medical condition(s) for which you are taking or have taken prescribed medication or are waiting to receive, or have received treatment (including surgery, tests, or investigations) within the last 2 years?

If so, it is a condition of this policy that you will not be covered under Section A � Cancellation or Curtailment Charges, Section B � Emergency Medical and Other Expenses, Section C � Hospital Benefit, Section D � Personal Accident and Section X3 � Green Fees for any claims arising directly or indirectly from this medical condition(s) unless you contact the Medical Screening Line on 0818 286 525 and they have agreed in writing to cover your medical condition(s).

If you have only one medical condition and it is one of those shown in the table of �Medical Conditions which do not require screening� below, then this will be covered under the policy without the need to contact us.


Exclusions that apply to all Insured Persons

These exclusions apply to all insured persons irrespective of whether they are a Private Health Insurance or Non Private Health Insurance holder.

The following exclusions apply to all insured persons at the time of taking out this policy or at the time of booking the trip.

You will not be covered under Section A � Cancellation or Curtailment Charges, Section B � Emergency Medical and Other Expenses, Section C � Hospital Benefit, Section D � Personal Accident and Section X3 � Green Fees for any claims arising directly or indirectly from:

  1. Any medical condition for which you are aware of but have not had a diagnosis.
  2. Any medical condition for which you have received a terminal prognosis.
  3. Any medical condition for which you are receiving or are on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.

The following exclusions apply to all insured persons at all times:

  1. Any medical condition you have in respect of which a Medical Practitioner has advised you not to travel or would have done so had you sought his/her advice but despite this you still travel.
  2. Any surgery, treatment or investigations for which you intend to travel outside of Ireland to receive (including any expenses incurred due to the discovery of other medical conditions during and/or complications arising from these procedures).
  3. Any medical condition for which you are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner.
  4. Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.

You should also refer to the general exclusions in the policy wording.


Exclusions that apply if a Close Relative or Travelling Companion has Medical Conditions

If any of the below exclusions apply to your close relative(s) or travel companion(s) at the time of taking out this policy or at the time of booking the trip, you will not be covered under Section A � Cancellation or Curtailment Charges, Section B � Emergency Medical and Other Expenses, Section C � Hospital Benefit, Section D � Personal Accident and Section X3 � Green Fees for any claims arising directly or indirectly from:

  1. Any medical condition for which a close relative or travelling companion have received a terminal prognosis.
  2. Any medical condition for which a close relative or travelling companion are receiving or on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.
  3. Any medical condition for which a close relative or a travelling companion are aware of but for which they have not had a diagnosis.

You should also refer to the general exclusions in the policy wording.


Medical Conditions which do not require screening

Important Note: If you have more than one of the below medical conditions you must contact the Medical Screening Line or if you have any other medical condition in addition to any of the below, you must declare all conditions to medical screening..

    • Achilles Tendon Injury
    • Acid Reflux
    • Acne
    • Anal Fissure/Fistula
    • Allergy (requiring non prescriptive treatment only)
    • Bells Palsy (in isolation only)
    • Benign Prostatic Enlargement
    • Blindness
    • Broken/Fractured Bones(not head or spine)
    • Carpal Tunnel Syndrome
    • Cataracts
    • Colds or Influenza
    • Colitis (no hospital admissions in last 12 months
    • Corneal Graft
    • Cuts & Abrasions (non self-inflicted)
    • Cyst Breast (Benign)
    • Cyst Testicular (Benign)
    • Cystitis
    • Diarrhoea and/or vomiting (resolved)
    • Dislocated Hip
    • Dyspepsia
    • Eczema
    • Epididymitis
    • Essential Tremor
    • Fungal Nail Infection
    • Gall Bladder Removal (if more than 3 months ago)
    • Gastric Reflux
    • Glandular Fever
    • Glaucoma
    • Gout
    • Hayfever
    • Hemorrhoids (Piles)
    • Hernia (not Hiatus)
    • Hip Replacement
    • HRT (Hormone Replacement Therapy)
    • Hyperthyroidism
    • (Overactive Thyroid)
    • Hypothyroidism (Underactive Thyroid)
    • Hypercholesterolaemia (high cholesterol)
    • Hysterectomy (provided carried out more than 6 months ago)
    • Irritable Bowel Syndrome
    • Macular Degeneration
    • Menopause
    • Menorrhagia
    • Migraine (confirmed diagnosis, no on-going investigations)
    • Myalgia (Muscular Rheumatism)
    • Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue)
    • Nasal Polyp(s)
    • Neuralgia, Neuritis
    • Nut Allergy
    • Osteochondritis
    • Osteoporosis, Osteopaenia (fragile bones) NO vertebral (backbone) fractures
    • Pelvic Inflammatory Disease
    • Psoriasis
    • Reflex Oesophagitis
    • Rheumatism
    • Rhinitis (Allergic)
    • Shingles (Herpes Zoster)
    • Shoulder Injury
    • Sinusitis
    • Sleep Apnoea
    • Tendon Injury
    • Tonsilitis
    • Underactive Thyroid
    • Uriticaria
    • Varicose Veins legs only (if GP has confirmed that client is fit to travel)
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