Art 14. Delayed baggage
14.1 If the policyholder has chosen the Non-Medical option, the insurance covers reasonable expenses for the purchase of essential items of clothing, toiletries and essential medicine in cases where registered baggage is delayed for more than five hours after the time of arrival at the destination outside the country of permanent residence.
14.2 Insurance cover is conditional upon the insured:
a) providing an original Property Irregularity Report from the carrier stating that the baggage did not arrive at the scheduled time and date, and indicating the date and time of actual arrival.
b) having already made a replacement purchase before the baggage was returned to him / her.
c) providing documentation of the expenses in the form of dated receipts or vouchers.
14.3 The insurance does not cover:
a) the rental or purchase of sports equipment.
b) indirect losses
c) delays to the insured's registered baggage when returning to their country of permanent residence.
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Art 15. Personal liability
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