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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!

In a tropical climate such as Seychelles, downpours are quite common and as drivers we often think very little of it. We all know to exert caution on the road, especially when the roads and wet and slick. However, we’ve all been in a situation where we’re in a hurry and drive a little too fast.

In these situations, it is easy to lose traction over water while driving, and actually skimming or sliding on the surface of that water. This is called hydroplaning, and can be a frightening experience because it results in loss of control of the car.

In order to avoid such a scenario, here is what you can do as a driver to avoid hydroplaning:

• Maintain your tires – make sure the tread is good and that they are properly inflated.
• Slow down when it rains. Even a light rain can be hazardous, particularly in the first few minutes as rainfall mixes with oils on the road surface.
• Avoid standing water where possible.
• If you have the option to, disable cruise control on wet roads and when raining.
• Increase the following distance between you and the car ahead.
• If you do hydroplane, stay calm, ease off the accelerator, and don’t make any sudden moves that may cause a spin out.

Make sure that your motor vehicle policy is always valid, it’s the only way to ensure that you are protected in the event of an accident.

Need to renew your policy?

Pay 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!

Basically a holiday trip insurance will not provide sufficient protection for your abroad studies or internship as they are designed for shorter travels and therefore may not meet the needs of an academic program. Especially in countries where student travel insurance is a must, regular travel insurance will not be accepted as a substitute.

Depending on your travel destination and type of visa, you may be asked to provide confirmation of applicable health insurance when entering the country.

As an international student, you will no doubt have plans to go exploring other countries, and will undoubtedly come back home to visit family as some point. This means that you will be breaking up your travels over the course of a year. You will need to purchase travel insurance with every trip if you opt not to get a Student Travel Insurance Plan which will end up costing you more in the long run. Whereas the Student  Travel Plan is an annual policy for multi-trips within 1-year period, worldwide, if your studies is for more than 1 year, you can renew your policy annually either in Seychelles or from overseas before it expires. To note that if the policy has expired, it cannot be renewed from overseas so you need to ensure renewal before expiry. At renewal, you will need to provide evidence that you are still a student.

Hopefully this has cleared up any doubts or uncertainties that you may have, and has outlined the importance of choosing an appropriate insurance policy. If you still have questions, one of our staff would be more than happy to discuss them with you.

Simply call us on 429 5000 or send an email to info@sacos.sc and an officer will get back to you. Alternatively you can pay us a visit at our branches (Maison Esplanade – Victoria, Pension Complex –Baie St. Anne Praslin, Green Corner –Providence)  

The first thing you need to know is that the Sacos Student Travel insurance is backed by Mapfre Assistencia: a global insurance company that operates worldwide. Therefore both the classic and the premium plan is designed to provide you with the protection you would expect from a comprehensive travel insurance that is supported by a 24 hour international call center service. That said, whichever plan you opt for will depend entirely on your needs.

Both plans offer worldwide coverage, although the amount covered differ.

The main differences between the two plans:

The Classic Student Travel Insurance Plan has a limit of USD30,000 for Emergency Medical Evacuation whereas the Premium Plan has a limit of USD50,000. If you incur any medical expense including hospitalisation while you are studying abroad, the limit on your Classic Plan will be USD60,000, with excess of USD50.

In contrast, the Premium Student Travel Insurance Plan is capped at USD100,000, with excess of USD50. The Classic Plan has a limitation of USD15,000 for the repatriation of mortal remains, whilst the Premium Plan has a limit of USD25,000 .

How will I know which plan is best for me?

Regardless of which plan you opt for, you should bear these in mind:

• Your policy will not cover any medical conditions which were already present when you bought your policy, nor will your cover apply if you travel against medical advice.
• This policy is to protect you when the unexpected happens and medical claims are based on what is necessary and reasonable. Preventative treatments such as health screening and health checks are not covered.
• You must act responsibly and report any crime against you to the police within 24 hours.  Incidents involving drugs and/or alcohol and illegal activities are not covered.

Still unsure about which cover is better suited to your needs? Visit our website at:  https://www.sacos.sc/here-for-you/student-travel-insurance/ or call us on 429 5000 or send an email to info@sacos.sc and an officer will be more than happy to go through the Policy with you.