Learn more about our Student Travel Insurance policy

The Student Travel Insurance policy is specifically designed to provide coverage to students studying abroad. It provides a worldwide coverage to students, with the exception of their country of residence.

Policyholders can choose between a more basic coverage – Worldwide Classic  – or a more extensive coverage –  Worldwide Premium.

Both policies provide the following coverage:

Medical and Emergency Assistance (including COVID-19)

This includes the cost of hospitalisation, consultation fees, prescribed medicine and other treatments, emergency dental care, as well as compulsory quarantine for COVID-19. It also covers emergency travel such as medical evacuation, return home upon death of a close family member and travel of one immediate family member). In cases of death, the policy covers the repatriation of the mortal remains, including that of the family member travelling with the insured.

Personal Assistance Services

The Personal Assistance Services allows the insured to contact the re-insurer at any time as it provides a 24hour service. It helps with the delivery of medicines and in cases of hijacking in means of public transport.


It provides compensation for in-flight loss pf checked-in luggage, as well as delays in the arrival of luggage. Moreover, it covers the cost of location and forwarding of personal effects. The policy also covers the loss of important travel documents such as passports, driving licences and national identify cards.

Personal Accident in means of Public Transport

Our policy covers compensation related to accidental death, permanent disability or permanent total disability due to accidents when travelling in a public transport whilst overseas.

Personal Liability

The policy provides students with coverage for legal defence, as well as personal civil liability.

All the above coverage are subject to exceptions and limitations.

The policyholder has the option to choose between four different cover periods: 3 months, 6 months, 9 months or 1 year.

For more information on the Student Travel Insurance, call us on 4295000 or send an email to general@sacos.sc. For an insurance quote, contact us via our website: www.sacos.sc

What to know about the COVID-19 coverage included in the Sacos Travel Insurance

With travelling steadily resuming to pre-pandemic level, we have expanded our Travel Insurance to include coverage against costs related to COVID-19. 
This means that if you catch COVID-19 whilst abroad, we will cover the cost of hospitalisation and other related medical expenses, including the cost of compulsory quarantine.
What is the limit on the coverage for medical expenses and hospitalisation abroad?It depends on the region you visit:

  • For Africa and Asia, the limit is USD15,000; 
  • For Europe and UK, it is EUR30,000; 
  • For Worldwide Basic, it is USD30,000; and, 
  • For Worldwide Plus it is USD100,000.

Do I have to pay an ‘Excess’ when I submit a claim?In insurance terms, Excess is the portion of the insured loss paid by the policy holder. The policyholder only has to pay the Excess if they received outpatient treatment. It means, therefore, that the insurer will meet the entirety of the insured loss for inpatient treatment received. The Excess amount is only USD50 for all regions, except for Europe and UK which is EUR50.
What other health-related coverage are included?The Sacos Travel Insurance also provides additional coverage to the traveller:

  • Emergency Medical Evacuation
  • Emergency Dental Care
  • Repatriation of mortal remains
  • Repatriation of family member travelling with the insured
  • Travel for one family member if you are hospitalised abroad
  • Emergency return home following death of a close family member

Are there other travel-related costs included in the coverage?

  • Personal accidents in means of public transport
  • Personal assistance services (24 hour assistance)
  • Loss of baggage and travel documents
  • Personal Liability
  • Cancellation and curtailment
  • Losses due to delays

What’s more! Our Travel Insurance has a very competitive premium rate. A 7-day trip can cost as little as SCR260. 

If you are planning to travel soon, be sure to include the Sacos Travel Insurance as part of your essential travel items. For more information, call us on 4295000 or general@sacos.sc. To request a quote, visit out website at www.sacos.sc

How your garden can protect your home from floods

Gardening is easily one of the most rewarding hobbies out there. The end results of your labour of love generally improve your home’s exterior and provide you with healthy, homegrown, plant-based meals.

But, there’s one more thing that gardening, and landscaping, can do for you – protect your house from flooding.

During the rainy season, many homeowners become victims of a flooded home and garden. While, with time, the flooded water may lower and eventually dry out; the structural damage to the house can be permanent. Moreover, the homeowner has to contend with debris damage, content damage etc.

Here’s how good gardening and landscaping can help you out:

Grading your lawn: While homeowners have a tendency to prefer a flat/levelled-out lawn, it may be wiser for your lawn to have a downward slope in all directions from your house. The slope does not have to be noticeable, but it has to be sufficient enough for water to flow away from your house when it rains, rather than remain stagnant.

Use water-absorbent plants: Highly absorbent plants are not only resistant to heavy rainfalls, but they also help ensure that excess water in your garden is soaked up.

Apply quality soil: The quality of the soil plays a great role in preventing flooded gardens. Healthy soils absorb water quicker and enriches the surrounding plants.

Maintain grass health: A healthy grass will ensure that water is absorbed quickly and also act as a deterrent against soil erosion. Water, fertilise and mow your grass regularly to maintain its health and thus avoid a flooded garden.

Other useful tips to consider:

  • Raise your house on stilts or piers
  • Apply coatings and sealants
  • Clear the spouts
  • Buy home insurance

What to do in case of floods?

If your home is flooded and you have home insurance, you can submit a claim with us via claims@sacos.sc. Visit our website for more details on how to submit a claim.

Learn more about our home insurance products by contacting us on 4295000 or general@sacos.sc. You can also request a quote for home insurance via our website.

What is the right amount of life insurance for me?

Are you wondering how much you should assure for your life policy? The answer depends entirely on you but there are some important factors you may need to consider before you determine the sum assured.

Age: The younger you are or rather, the earlier you start your policy, the cheaper your monthly premium. This means that you can afford to purchase a bigger life insurance coverage with a long policy term

Income: Your current income will determine your ability to pay a monthly premium. If you foresee upwards income mobility for yourself in the future, you can decide to choose a life policy sum that aligns with your future salary. This will also entail envisioning how your expenditure could be affected when you factor in a family, mortgage and car expenses.

Future obligations: Depending on the reasons you are taking out a life insurance policy, you may want to consider what future obligations you will have that this policy could cover. Is it a house, a car, start-up capital for your business, tuition fees for your children, retirement money? Whatever your reasons may be, you should assure a sum which corresponds to those needs. In fact, you should also carefully a life policy which is better suited for those plans.

Dependents’ Needs: Because life insurance works well as an inheritance for your loved ones, you should consider an amount which would leave your dependents in a position to continue to maintain their current lifestyle. For example, you may consider an amount which covers your existing debts or mortgage. You may also consider an amount which ensures that your kids can continue attending the same school.

Talk through all of these options with your life insurance agent or one of our lovely staff at Sacos and they can help you to choose an option that is right for you.

If you buy a policy of SCR200,000 or above before 31 August, you get a chance to win a free endowment plan worth SCR100,000

Use life insurance as an inheritance for your child

Most parents, regardless of their income bracket, work hard to provide for their children’s future. 

A part of that is ensuring that their children has some form of savings when they come of age. In the extreme event of their untimely death, most parents would want to leave behind an inheritance for their child.

 Wealth and savings

Some people acquire wealth through inheritance. Others gain wealth through earned income, profits or investments. Over time, they accumulate enough savings to the extent that they can safely pass down a sufficient amount to their children without affecting their current lifestyle.

Life insurance and inheritance

Not many people can afford to build an inheritance fund for their children, whilst maintaining their current lifestyle. Thankfully, there are other alternative ways to do that. 

Life insurance is a contract between an insurer and a policyholder which guarantees that the sum assured will be paid to the policyholder during or after the term of the policy (depending on the policy) in exchange for premiums paid to the insurer. A person could in theory* pay SCR500 in premium every month for a life policy worth SCR150,000.

*In practice, there are many factors which determine the premium such as age, policy term, policy plan etc.

Importantly, life insurance guarantees that the beneficiary of the policyholder is paid the full sum assured in the event of the death of the policyholder.

The insurer, Sacos, is obligated to pay the full sum assured to the beneficiary even if the policyholder had only been paying the premium for a few years before their passing. That payout to the beneficiary becomes their inheritance.

If a policyholder has a life policy worth SCR250,000, that amount will be paid to the beneficiary when the policyholder passes away.

With other saving options, the beneficiary gets has been saved at the time of death. With life insurance, the beneficiary gets what the policyholder intended to save before their untimely passing.

Even if the policyholder survives the term of the plan, the payout received by the policyholder can be placed in a separate savings account as future inheritance to their children.

For more information on life insurance and to learn more about the current life insurance promotion which ends on 31 August, call us on 4295000 or send an email to life@sacos.sc. For a quote on our life insurance plans, you can submit your request via our website.