Paquerette Lablache is the winner of the 2nd Sacos’ “great travel insurance giveaway” for 2019!

At the beginning of July 2019, Sacos, in partnership with Air Seychelles, Avani & Berjaya, launched its’ second “Great Travel Insurance Giveaway” promotion for customers purchasing a Travel Insurance Plan between 1st July and 1st September, with the aim of raising awareness on the importance of getting a Travel Insurance Cover when travelling overseas, whether for business or leisure. Having a Travel Insurance has become an essential part of travelling. It not only acts as a safety net against the risk of incurring unforeseen medical expenses but also safeguards against other travel related emergencies that could spoil a person’s trip such as trip delays, loss of passport or luggage, and many more.

The lucky winners of our second promotion received their prizes today, Friday 11th October at Sacos Head Office and Ms. Paquerette Lablache walked away with the Star-prize of a return ticket to South Africa, which was presented by Ms. Brigitte Appoo, Head of Sales at Sacos & Ms. Elsie Hurst, Corporate Relations Manager of Air Seychelles who co-sponsored the ticket. Ms. Lablache understands the benefits and protection that the Travel Insurance can offer during an overseas trip and for the last 2 years, she always ensures that she purchase her travel insurance from Sacos. Indeed, she stated, “nowadays it is becoming very tough when you travel, as you can be involved in any accidents. You are leaving your family behind and you do not know what can happen to you while you are travelling, it is therefore very wise to take the travel insurance to feel secure.” “People should not think twice to purchase the Travel Insurance!” she continued, “ I am very happy and feel very secured and safe when I purchase my Travel Insurance from Sacos”

The other winners of the promotion were: Ms, Emmelyn Porice, who won a night stay on Half Board at Berjaya Praslin Beach, Ms. Richelle Jean, who won a one night stay at on BB at Avani Resort & Spa, and Ms. Valerie Ah-Weng who won dinner for two sponsored by Berjaya Beau Vallon Bay Resort.

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“We are happy that through our promotions travellers are becoming more conscious and appreciate the need for them to take insurance cover when they travel” said Ms, Morel, CEO of Sacos “ I would encourage others to ensure they are protected when they travel – after all one never knows what can go wrong” she continued. “We will continue to provide our clients the protection needed, in partnership with Mapfre, our internationally renowned insurance partner, which operates worldwide and therefore provides immediate assistance for our client, wherever they are” she concluded.

Since January this year we have had three lucky travellers who have won return tickets in our “great travel insurance giveaway” as well as other prizes and that included return ticket to Mauritius, Sri Lanka, and South Africa.

UPCOMING PROMOTION

To encourage more people to take a travel insurance, Sacos is very happy to announce our next travel promotion, which will run for the period 12th September to 18th December 2019 with the prize giving taking place on 23rd December just in time for the festive season. To encourage travellers to protect themselves when travelling, all individuals who purchase their travel insurance with Sacos during that period, whether travelling for leisure, business or studies will go into the draw and have a chance to win the following:

  • A return Ticket to Dubai + SCR 5,000.00 Allowance,
  • One night for two on Half-Board at Silhouette Hilton La Briz Island Resort and Spa,
  • A Voucher for a Dinner at La Scala Restaurant amounting SCR 2,000.00.

The Sacos Travel Insurance covers medical and emergency assistance expenses up to USD 100,000.00, offers a return ticket and accommodation for a family member to your holiday destination in case of hospitalization, and it covers trip delays, loss of passport or luggage, as well as legal defence, thus providing a worry-free trip for the travellers.

Visit our branches at Victoria, Praslin & Providence for your travel insurance or contact us on 4295000 or visit our website
https://www.sacos.sc/here-for-you/travel-insurance/ for a quote or for more information.

Sacos Here for you.

Travel Insurance Promo: Sacos to offer SCR 5,000 allowance to Grand Prize winner in Great Travel Giveaway grand finale!

Can you believe that Christmas and New Year is only TWO months away?! Neither can we! If you are anything like us then we’re sure you have already started making plans. Prevent your vacation plans from being ruined by unfortunate accidents and mishaps by purchasing your travel insurance with Sacos Insurance Group between the 12th October and 18th December and not only are you reassured of being protected while away on holidays, but you will also be entered into our festive season prize giveaway

What is the star prize?

For the first time ever, not only will you get a return ticket to Dubai on Emirates Airline, but you will also win a SCR 5,000 allowance to travel with!

What other prizes are on offer?

We’ve got some fab consolation prizes! 2nd prize is a one night stay on half board at Hilton Seychelles Labriz Resort & Spa and 3rd prize is a SCR 2,000 voucher for dinner at La Scala restaurant!

When is the promotion valid?

The promotion is valid between 12 October and 18 December 2019.

How do I enter the competition?

If you purchase any travel insurance policy during the promotion period, you will be automatically entered into the draw. Travelling between now and early 2020? No worries! You will automatically enter the draw if you purchase you travel insurance before the 18th December but your travel date is after the 18th December 2019.

When will the draw be taken?

The draw will be taken on 23 December 2019.

How will I know the outcome?

The winners will be announced on Facebook and other media outlets, but more importantly, we will contact you through the contact details provided to us when you purchased your travel insurance policy.

If you need a reminder of why you need travel insurance, here is a quick list of the benefits:

  • Loss and delay of check-in luggage
  • Loss of passport and important documents
  • Delayed departure
  • Trip cancellation or curtailment
  • Medical expense and hospitalisation
  • Emergency medical evacuation
  • Emergency dental care
  • 24-hour worldwide personal assistance
  • Legal defence abroad
  • Emergency return home following death of a family member
  • Repatriation of mortal remains, if you pass away overseas

There are different travel insurance plans you can choose from which would provide you with some or all of the above coverage. This allows you to have more flexibility in choosing a package that is right for you. Different plans also include varying payment thresholds in case of emergency. For example, if you are on a worldwide plus package you will be given a higher amount to cover your medical and hospitalisation bills. It is up to you to decide how much you want to be covered when you are overseas.

So what are you waiting for? Purchase our recently updated travel insurance policy.  Call us on 429 5000 or send an email to info@sacos.sc for more information!

5 tips for keeping your valuables safe at university

We’ve written fairly extensively on the necessity of purchasing a Student Travel Insurance Plan before you leave for university, but being proactive when it comes to ensuring your valuables are protected goes a long way.

This is especially true when you’re at university where you are surrounded by hundreds of people each day in places like the classroom, library or your local coffee shop. With so many people around, it’s important to keep your belongings safeguarded at all times to minimise the risk of theft.

These 5 tips can help you keep your stuff safe on campus:

Make a list of your valuables  including makes, models and serial numbers where it applies. Write down any details you might need if anything goes missing such as phone numbers to cancel bank cards, phone contracts and to access benefits of your insurance policy. Make sure that you have photocopies of any important documents such as your passport and that these are stored separately to the original versions.

Secure all valuables!  It is easy to forget to put valuables in a safe place, especially when you are in a hurry. Consider investing in a small safe for expensive jewelries and other valuables, even your passport.

Do not leave your valuables unattended, especially your laptop.  If you’re carrying it around, put it inside a larger bag rather than making it obvious by carrying it only in its case. Back up your work on mobile storage devices, external hard drives or by using a website such as Dropbox

Keep your doors and windows locked at all times. You may be tempted to leave your bedroom door unlocked if you’re only leaving for a short time, but you never know who can have access to your residence when you are not present. Locking your door can be an easy way to help secure your belongings. Refrain from loaning your keys to anyone, including close friends. This helps minimise the risk of someone entering your place without your knowledge.

Get insured! Despite taking preventive measures to protect your stuff, it may not always stop thieves. Purchasing a content insurance policy can help you prepare for the unexpected, as it may help replace your belongings if they are stolen or damaged.

If, despite your precautions you are still burgled, do not waste time. Report the theft as soon as you are aware that it has happened.

Insurance deductible: What is it?

As the owner of any insurance policy, you’ve no doubt come across the commonly used term ‘deductible.’ But how much do you understand about what the term means?

In simple terms, a deductible is the amount of money that you, the insured, must pay for a claim before your insurance will kick in.

If your insurance policy has a deductible, you will be responsible for any losses and/or payment of services up to a certain amount as stated in your insurance policy.

How is a deductible beneficial?

A deductible isn’t only beneficial to your insurance company, it’s beneficial to you as a policy holder, too! As a policy holder, it can be a way to lower the cost of your insurance: The more risk for loss that you agree to pay before your insurance kicks in, the lower the chance for your premium to be.

Look at it this way:  You are unfortunate enough to be in a car accident and your car’s damages are assessed at SCR15,000 in damages. If your insurance policy has a SCR5,000 deductible, you will have to pay the first SCR5,000 of the damages to your car out of your own pocket and your insurance will pay the remaining SCR10,000. Generally, once the deductible is met, any future losses that you might have during the term of that policy will be covered in full.

Talk to one of our insurance agent about what deductible options are available to you, and how they will affect the cost of your coverage. Call us on 429 5000 or send an email to info@sacos.sc and an officer will get back to you.

Frequently asked questions about our improved Healthcare Insurance Policy:

Just in case you missed it  we recently launched a new, improved version of our affordable Health Insurance policy!

You may recall that for only 25EUR per month, our affordable health care plan covers up to EUR100,000 emergency treatment overseas. This covers the cost of the treatment, accommodation fees and airfares for the patient and one accompanying family member. Moreover, for the added cost of EUR10 we also cover the cost of access to private medical and dental practitioners in Seychelles.

The questions we get asked most often are:

Who is the plan for? 

Ideally everyone should have a healthcare policy, so we aim for inclusion. Therefore any individual can become a new member of the plan up to the age of 59. Existing members can be covered up to the age of 75. Even babies can be covered as from 1 month! Corporate clients can provide the plan to their employees and their family members, whilst individual clients can take the plan for themselves and/or can also add their family members to the plan.

How soon after I have paid can I make a claim? 

That depends on what you are filing a claim for. Let’s take a look: Your plan comes into effect immediately if an injury results from an accident, twelve months after date of entry in connection with Caesarean &/ or complications that can reasonably be related to it thereafter. Six months after date of entry for Dental Expenses/ Treatment incurred in connection with Orthodontic, Prosthetic Appliances, Crowns, Dental Implants, Surgical Operation, Periodontics and Gum Treatment and for all Optical costs if out-patient option is taken. Three Months after date of entry for all other treatment.

So how do I make a claim?

It’s actually  a lot more simple than you think! For In-Patient Treatment  requires admission outside Seychelles, simply call our customer service on 429 5107 and we will provide full guidance on the procedures.

For Out-patient Treatment, we require a fully completed claim form, accompanied by original invoices, receipts and Doctor’s prescription and medical record.

What are the main key exclusions to this plan?

Understandably treatment or expenses in connection with or attributable to any illness or physical condition for which the Insured Person had knowledge of or had been diagnosed or treated by a Medical Practitioner prior to the commencement date of the Policy.

Preventive treatment, check-ups or health screening.

Treatment directly or indirectly arising from or required in connection with male or female birth control, infertility, contraception, sterilisation (or its reversal) and any form of assisted reproduction.

Treatment for Alcoholism/Drug Abuse and Treatment of any illness or injury arising directly or indirectly from any such abuse or addiction.

Any condition directly or indirectly caused or arising from or in any way attributable to or aggravated by or related to the Human Immunodeficiency Virus (HIV), or the mutants, derivatives or variants thereof, including Acquired Immuno Deficiency Syndrome (AIDS) and AIDS-Related Complex (ARC).

How is payment made for my treatment?

All pre-approved in-patient treatment (emergency/planned) in Mauritius will be paid directly to the hospital by Sacos upon completion of treatment.

All Pre-approved planned treatment in all other regions will be paid in advance to the hospital by Sacos upon the receipt of hospital invoice.

All Pre-approved emergency treatment in other regions will be on a refund basis.

Out-patient treatment will be on a refund basis, meaning Sacos will refund you the total claim, less 20% excess amount applicable under the cover.

How do I sign on to a health insurance plan?

Easy Peasy. Just select the In-Patient plan and region you require.

 Choose the optional out-patient cover if you would like to opt for it.

Complete our health insurance proposal form.

Receive your quote for the options selected (it can take up to 14 days to receive confirmation of acceptance onto the plan).

Pay for your plan once confirmation is received (Monthly or annual payment option available).

And you’re done!

Did we miss anything out? Call us on 429 5000 or send an email to info@sacos.sc and an officer will get back to you!

Dear teachers, do you have health insurance?

It’s a well known fact that teachers are the pillars of a society and the builders of a nation. So when you’re out there working hard to make a positive difference, it’s very important that your health insurance is working just as hard to look after you. With our recently launched new, improved version of our affordable Health Insurance policy, Sacos is just the insurance agency to take care of you!

As a natural caregiver, you understand the importance of looking after the people in your charge. What about yourself? Do you have a health insurance plan in case something happens to you?

A health insurance policy will cover expenses due to hospitalisation and medical procedures caused by illness or injury, even those resulting accidents. The area of coverage depends on the package you select, but the different zones include Seychelles, Mauritius, India, and South Africa, as well as a worldwide coverage (excluding USA and Canada).

Our role is simple: We aim to provide you with as a comprehensive policy that will provide financial coverage for any medical expenses due to all sorts of illnesses, injuries, and other medical conditions.

So, dear teachers, why have you not taken out a health insurance yet?

Get in touch by paying us a visit at our branches (Maison Esplanade – Victoria, Pension Complex –Baie St. Anne Praslin, Green Corner –Providence)  or call us on 429 5000 or send an email to info@sacos.sc. We’ll be more than happy to help you get the protection you deserve!

Jet ski safety

Anyone who’s ever been on a jet ski will tell you that the exhilaration is second to none, and no doubt a great way to spend an afternoon. But did you know that according to the BoatUS Foundation, they are more hazardous to operate than other watercraft?!

They also make up around 26 percent of accidents!

With that said, here are a few things to consider before you take your jet ski out for a spin:

Have appropriate jet ski equipment on board

A Coast Guard-approved fire extinguisher,  a signalling device (i.e. whistle or horn).

Even if you are a good swimmer, make sure the driver and all passengers are wearing flotation devices such as a life vests. The person operating the Jet Ski should wear a cord or lanyard around their wrist which is attached to the key in the ignition to prevent the engine staying on in the event of a fall.

Drive defensively

No, we don’t mean aggressively! As tempting as it may be to ride in a passing boat’s wake, avoid doing so as it’s easy to lose control; the Jet Ski land awkwardly even upside down, causing serious injury.

Fun fact: It can take a jet skis up to 300 feet to stop when driving at full speed.

Stay within the limit

You may want to bring your friends for a ride, but you should  never carry more passengers than your jet ski allows. Remember that all passengers, even the little ones, need to sit behind the driver.

Exercise caution and common sense

Always be alert to other jet skis, boats and swimmers.

Be smart: don’t loan your jet ski to an unqualified driver. Accidents cannot be predicted, but they are more likely to happen when the operator has no experience with controlling such a high-powered vessel.

With these in mind, there’s no reason why you can’t have an enjoyable time whilst being safe!