Terms & Conditions

Definitions

We, us, and our refer to VHIS, the provider of travel insurance services. You and your refer to the customer purchasing travel insurance from our website. Policy refers to the insurance contract between you and us. Coverage refers to the scope of protection provided by the policy.

Coverage and Benefits

The coverage provided by the policy is outlined in the policy document, which you will receive upon purchase. It is your responsibility to review the coverage, benefits, and exclusions to ensure they meet your travel insurance needs.

Policy Purchase

To purchase a policy, you must provide accurate and complete information about yourself and your trip. Misrepresentation of information may result in denial of coverage or cancellation of the policy without refund.

Payment and Refunds

Payment for the policy is required at the time of purchase. Refunds are subject to the terms outlined in the policy document. Refunds are typically provided only before the start date of the policy or as specified in the policy document.

Policy Modifications and Cancellations

Policy modifications or cancellations must be requested in writing before the policy start date. Depending on the policy type and timing of the request, there may be fees associated with modifications or cancellations.

Claims Process

In the event of a claim, you must follow the claims procedure outlined in the policy document. Provide all necessary documentation to support your claim, such as receipts, medical reports, and incident reports.

Exclusions

The policy does not cover certain events, circumstances, or pre-existing conditions. Please refer to the policy document for a complete list of exclusions.

Pre-existing Conditions

Coverage for pre-existing medical conditions may be subject to specific terms and requirements outlined in the policy document.

Travel Alerts and Advisories

It is your responsibility to stay informed about travel advisories, warnings, and restrictions for your destination. Failure to adhere to travel advisories may affect coverage under the policy.

Personal Responsibility

You are responsible for your own actions, including taking reasonable precautions to safeguard your belongings and personal safety during your trip.

Privacy and Data

We will handle your personal information in accordance with our Privacy Policy, which is available on our website.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of Ghana.

Changes to Terms and Conditions

We reserve the right to modify these Terms and Conditions at any time without prior notice. Changes will be effective upon posting on our website.

Contact Us

If you have any questions or concerns regarding these Terms and Conditions or our services, please contact our customer support. By purchasing travel insurance from our website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions. It is important to review the policy document thoroughly to understand the specific terms of your coverage.