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When travelling overseas, your most pressing concerns might be the cost of airfares, tricky hotel bookings and/or whether or not you’ve exceeded the weight allowance.

It might therefore fail to cross your mind as to what would happen if there is a flight delay or cancellation…or worse!!

What if your flight was cancelled?

A cancelled flight can lead to an imposed no-show or late cancellation fee by the hotel. It can affect the bookings you’ve already paid for to visit some of the most famous attractions around the world. It can lead to lost luggage as a result of last-minute rerouting and changing of flights at the airport.

It can also lead to additional unbudgeted expenses such as rebooking your hotel as you can no longer leave on the planned departure date or paying for a brand new ticket

What if you fell sick or got into an accident?

Falling sick overseas is a very expensive affair. Hospital charges are normally quite high, more so if emergency surgery due to traumatic injuries are required. On top of the applicable daily fee for the hospital stay itself, you’s be expected to bear the full cost of each specific medical intervention carried out by the hospital – x-rays, blood tests, MRIs etc.

Worst yet, some hospitals may refuse admission regardless of the fatalistic nature of your injury if the patient is uninsured.

What if you catch COVID19 during your trip?

As COVID19 is very infectious, people are generally required to quarantine and isolate to limit the spread of the disease. What it means for you is a cancelled flight, additional days at the hotel for isolation or medical fees for quarantine and associated treatment. If the virus proves to be particularly harmful to you, it could result in additional fees for hospitalisation.

Thankfully, travel insurance can be the critical life saviour when you most need it!

As stressful as it would be to go through all that, you do not have to go through it alone with the Sacos Travel Insurance.

We cover:

• Hospitalisation and other medical expenses, including COVID19
• Emergency travel of one of your family member, including daily subsistence allowance, if you are hospitalised
• Emergency return home if one of your family member passes away
• Repatriation of your mortal remains if you or your travelling companion pass away whilst overseas
• Flight cancellations and delays
• Lost luggage, passports and other important documents
• Personal assistance services – 24/hr
• And many more…

If you are travelling overseas tomorrow, fret not! You can still purchase your insurance with us before your flight. Simply contact us on 429 5000 or send an email to general@sacos.sc and we will get you covered before your flight!

Stay insured! Travel under protection, with us.

Visit our website for more information on the Sacos Travel Insurance.

One of the many reasons students have a hard time studying abroad is the uncertainty of what to do when something unexpected happens.

The unexpected can be as minor as a lost document or as serious as a road accident. What does the student do when the unexpected happens?

Most students will contact the support service at their university for guidance and assistance. In many cases, the university will already be equipped to deal with the concerns raised, such as a lapsed visa. 

In some cases, students will reach out to their parents when their universities are unable to assist. This can be in cases of emergency return home due to illness, a death in the family or a civil unrest in the country of study.

In many cases, however, the student’s family are unable to assist either due to financial reasons or simply a case of unfortunate timing. Example, a sudden road accident causing severe injuries might lead to death if the injured does not have insurance as hospitals may refuse to treat uninsured patients.

The Student Travel Insurance covers all possible scenarios a student could face while studying abroad:

– lost passport and IDs

– lost or delayed luggage

– emergency return home due to illness or death in the family

– medical care, including hospitalisation + COVID19

– emergency dental care

– repatriation of mortal remains

– travel of immediate family member to stay with hospitalised student

– 24hour personal assistance

– Plus many more…

For more information on the Student Travel Insurance call us on 4295000, send an email to general@sacos.sc or visit our website.

For the month of February, we are launching a special promotion for first time buyers of the Sacos Junior Plan.

What’s the prize?

We will contribute up to SCR1,000 for the first monthly premium to the first 10 policyholders of the Sacos Junior Plan.

How to participate?

Purchase a Sacos Junior Plan in the month of February and win back up to SCR1,000 in monthly premium if you are part of the first 10 policyholders to purchase a Sacos Junior Plan for your child.

Who can participate?

Any parent or guardian who purchases a Sacos Junior Plan for the first time during the month of February will be eligible for the promotion.

When is the promotion valid?

The promotion will run for the month of February only.

What is the Sacos Junior Plan?

The Sacos Junior Plan is a life insurance plan designed specifically for children up to the age of 11 years.

You can call us on 429 5000, send an email to life@sacos.sc or request a quote via our website for more information on the Sacos Junior Plan.

The Sacos Junior Plan is a life insurance plan designed specifically for children up to the age of 11 years.

With many life insurance plans available, as well as other savings tools for children, you may be asking yourself what is special about the Junior Plan?

It’s a very good question because there are plenty of benefits which are unique to the Junior Plan.

Sacos Junior Plan benefits:

The child receives the sum assured even if the parent passes away

One of the clear benefits of the Sacos Junior Plan is that it has the features of any life insurance policy. Meaning that if you die before the term of maturity is reached, your child receives the full sum assured you intended for them to receive.

Whereas with some savings tools, you may not reach a set target for your child at the time of your passing. Your child will only receive whatever amount you were able to save.

For example, providing the terms and conditions of the life policy are met, if you assured the sum of SCR250,000 upon your child reaching their 21st birthday – SCR250,000 is the amount they will receive under the Sacos Junior Plan even if you, as the policyholder, passed away unexpectedly tomorrow.

The parent receives the sum assured if the child passes

In the event of your child’s passing before the end of the policy term, the sum assured will go to the parent, or any other beneficiary named in the policy.

If the child passes away after reaching the age of 6, the sum assured is paid out fully to the beneficiary. If the child passes before reaching the age of 6, the sum assured is paid out according to percentages fixed to their ages at the time of death.

The child is the direct “beneficiary” if the policyholder passes

In insurance terms, beneficiary usually means the person named on your life insurance to receive the sum assured in the event of your – the insured – passing during the term of the policy.

As the child will be “the insured” under the Junior Plan, the beneficiary will be whoever else the policyholder has named in the policy.

But if the policyholder passes away and the child is still alive, the child is the direct beneficiary of the policy. Why is this information important?

With the Sacos Junior Plan, there can only be one inheritor to the life insurance if the insured is still alive – that is your child.

The Sacos Junior Plan is therefore a guaranteed way for your child to receive an inheritance from you (the policyholder) in the event of your passing. This inheritance could never be challenged as it is a result of a direct contract between the policyholder (the parent) and the insurer (Sacos).

*You are now able to purchase the Sacos Junior Plan for your child from the day of their birth. The earlier you get started, the more affordable the monthly premium.

For more information on the Sacos Junior Plan, call us on 429 5000, send an email to life@sacos.sc or request a quote via our website.

With COVID-19 and its variants on the rise around the world, more and more countries are making travel insurance an obligatory condition for entry into their jurisdiction. As a result, travellers are finding themselves in embarrassing situations upon boarding or upon arrival.

With Sacos Travel Insurance, you can ensure that you are up-to-date with the COVID-19 guidelines wherever you travel to.

Our Travel Insurance includes a COVID-19 clause which ensures that you are fully protected if you happen to catch COVID-19 at some point during your travel and even before you fly out.

What is included?

Emergency Medical Assistance

• Medical expenses and hospitalisation including for COVID-19
• Compulsory quarantine if infected with COVID-19
• Emergency medical evacuation in case of illness or accident
• Emergency dental care
• Repatriation of mortal remains
• Repatriation of family member travelling with the insured
• Emergency return home following death of a family member
• Travel of one immediate family member

Flight cancellation, curtailment and  delays

• Journey cancellation
• Journey curtailment
• Delayed departure
• Missed travel connection
• Missed departure

Baggage losses and delays

• Loss of passport, driving license and/or National ID card abroad
• In-flight loss of checked-in luggage
• Luggage delay
• Location and forwarding of baggage and personal belonging

And so much more….Ensure that you are not refused boarding or entry into another country by having the Sacos travel insurance.
For more information, call us on 429 5000, send an email to general@sacos.sc or request a quote via our website.