Battleface Insurance
INSURANCE ADMINISTRATION DETAILS
Travel medical insurance plan administered by battleface Insurance Services Ltd. Insurance benefits are underwritten Crum & Forster, SPC. C&F and Crum & Forster are registered trademarks of the parent company of Crum & Forster, SPC. The Crum & Forster group of companies is rated A+ (Superior) by AM Best Company 2025.
PLAN DETAIL
The insurance policy contains terms, conditions and exclusions including an exclusion for pre-existing medical conditions.
For more information or visit www.battleface.com/en-int.
UNDERWRITING DISCLOSURE
By purchasing this insurance provided by Crum & Forster SPC, under the jurisdiction of the Cayman Islands, you become a member of the Fairmont Specialty Trust. Benefits are provided for eligible Insured Persons.
This plan contains both insurance and non-insurance benefits. Complete provisions pertaining to the insurance portion of the plan are contained in the policy. In the event of any conflict between this Disclosure Statement and the policy, the policy will govern.
The policy is a short-term limited duration policy renewable only at the option of the insurer. This is a brief description of the important features of your plan and is not a contract of insurance. The terms and conditions of coverage are set forth in the Plan Document.
This insurance is not subject to, and will not be administered as a PPACA (Patient Protection and Affordable Care Act) insurance plan. This policy is not subject to guaranteed issuance or renewal.
LIMITED BENEFITS DISCLOSURE
The insurance described in this document provides limited benefits and is intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage and does not provide major medical or comprehensive medical coverage, nor is it designed to replace major medical insurance.
This insurance does not constitute minimum essential benefits as defined under the Patient Protection and Affordable Care Act. Non-insurance services are provided by Robin Assist.
If you remain dissatisfied and wish to make a complaint, you may contact the Complaints team at [email protected]
PPACA DISCLOSURE
This insurance is not subject to and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”).
PPACA requires certain U.S. citizens or U.S. residents to obtain PPACA-compliant health insurance, also referred to as “minimum essential coverage,” and requires certain employers to offer PPACA-compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA-compliant insurance coverage.
In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all benefits required by PPACA.
You should consult your attorney or tax professional to determine whether the policy meets any obligations you may have under PPACA.
PRIVACY STATEMENT
We strive to protect the confidentiality of your non-public personal information and do not disclose such information about our insureds or former insureds except as permitted or required by law.
We maintain appropriate physical, electronic, and procedural safeguards to ensure the security of your non-public personal information.
A detailed copy of our privacy policy is available at www.battleface.com/en-int/privacy-policy.
DATA PROTECTION
Sensitive health and other personal information you provide may be used by us, our representatives, insurers, and relevant industry governing bodies and regulators for the purposes of processing insurance, handling claims, and preventing fraud. This may include the transfer of information to other countries, some of which may have limited or no data protection laws. Appropriate measures have been taken to ensure that your information is held securely.
Where sensitive personal information relates to an individual other than yourself, you must obtain the explicit consent of that individual for the disclosure and use of such information as described above.
Information we hold will not be shared with third parties for marketing purposes. You have the right to access your personal records.
SUBSCRIPTION AGREEMENT
The applicant applies to become a Plan Participant of the Fairmont Specialty Trust and to participate in the insurance coverage extended under the Trust by Crum & Forster SPC. The coverage is not general health insurance and is intended solely for sudden and unexpected events occurring while traveling outside the Plan Participant’s Home Country. Coverage terminates upon return to the Home Country. Full details of the insurance are contained in the Master Policy, which governs the insurer’s liability.
By acceptance of coverage and/or submission of any claim, the Plan Participant ratifies the authority of the signer to bind the Plan Participant and undertakes to make all premium payments when due. The Plan Administrator is not responsible for the administration of premium payments, and failure to pay premiums may result in lapse of coverage at the discretion of the insurer.
The Plan Participant confirms the accuracy and validity of all representations and warranties provided in connection with participation in the Plan and subscription for coverage. The insurer relies on this information, and any inaccuracy may result in invalidation or loss of coverage and forfeiture of amounts paid. The Plan Participant undertakes to notify the Plan Administrator of any changes to such information.
The Plan Participant agrees to indemnify and hold harmless the Plan Administrator against any loss or damage, including attorney’s fees, arising from inaccuracies in representations and warranties, failure to disclose changes, or actions taken by the Plan Administrator in reliance on written instructions provided by the Plan Participant.
Benefits payable under the coverage will be paid by the insurers to the Plan Participant or directly to a provider where an assignment of benefits has been authorized. The Plan Administrator is not responsible for the administration of benefit payments.
The Plan Participant confirms that the insurance is appropriate for them and that they meet the applicable eligibility criteria.
PURCHASE POINT DISCLOSURE
The applicant expressly agrees that this insurance policy, all pre-contractual information, and all communications relating to the policy will be provided in the English language.
The applicant confirms that they have received, or will have received, all immunisations recommended by a qualified physician in their Home Country prior to entering the destination country and that they will not be an active member of any military or paramilitary force during the Policy Period.
The applicant acknowledges that the insurance applied for is not general health insurance and is intended solely to cover unforeseen injury or illness occurring outside the Home Country during the covered journey. The policy contains a pre-existing condition exclusion and other restrictions and limitations.
By electing to purchase this insurance, the applicant submits an application for insurance and confirms that all information provided is true and accurate, that they are at least 18 years of age, or, if the applicant is a minor, that the purchaser is the legal parent or guardian.
The applicant further confirms that they have read and understood the information provided in the UNDERWRITING DISCLOSURES and SUBSCRIPTION AGREEMENT, and that they understand and agree to the ELECTRONIC SIGNATURE and ELECTRONIC DELIVERY terms.
ELECTRONIC SIGNATURE
The applicant acknowledges that clicking the submission button constitutes an electronic signature and documents their consent to all applicable terms and conditions. Electronic signatures are legally valid and enforceable in the same manner as a traditional handwritten signature.
ELECTRONIC DELIVERY
The applicant consents to the electronic delivery of policy documents and all related notices via email and undertakes to keep their email address up to date. Consent may be withdrawn by contacting [email protected]
CONTACT DETAILS
battleface Underwriting Services
Avenue des Arts 6–9
1210 Saint-Josse-ten-Noode
Brussels, Belgium
Telephone: +44 (33) 0027 0999
Email: [email protected]