The features of this policy are as stated below:
Schengen Travel Insurance (STI ) is the most economical of the travel products to be sold under this facility which contains the bare minimum medical insurance benefits as stipulated for Schengen Visa eligibiilty. In addition to the medical expenses some nominal travel inconvenience benefits are also offered under this product. As the name suggests, this would be sold to those customers who do not want a travel insurance to protect themselves against potential mishaps and inconvenience but want to ful fill the Schengen requirements in order to get the Visa. They would obviously like to incur minimum expenses for buying travel insurance. The Benefits of this policy are as follows; Emergency Medical Expenses, Emergency Dental Expenses, Medical Transportation,Repatriation of Mortal Remains and Personal Accident.
Family Travel Insurance (FTI) is targeted at families who travel together for holidaying or pleasure to any foreign country and want to purchase travel insurance at the lowest price available. These families would like to carry some insurance covering all the family members even if the benefits are very limited. They would like to have travel insurance irrespective of whether the countries insist on compulsory travel or medical insurance. The product is structured in such a way that the benefits ‘float’ across all the family members with the children enjoying smaller benefits. Also the aggregate benefits are capped at reasonable limits so as to protect the underwriters from accumulation exposures. The Benefits of this policy are as follows; Emergency Medical Expenses, Emergency Dental Expenses, Medical Transportation,Repatriation of Mortal Remains, Personal Accident, Travel Delay, Loss of Baggage, Personal Liability.
Universal Travel Insurance (UTI) – Classic & Premium are targeted at individuals who travel either on business or on pleasure. Whereas the benefits for the products are identical in all respects, they are different in the destinations being catered to; Classic is for travel to any where in the world excluding USA and Canada and Premium is for travel to any where in the world. The benefits of this policy include the following; Personal Accident, Emergency Medical Expenses, Emergency Dental Expenses, Medical Transportation, Repatriation of other Insured (Accompanying) Persons, Repatriation of Mortal Remains, Early Return due to death of close relative, Visit of a close relative, Hospital daily Benefit, First Aid and Rescue, Cancellation and delay, Travel Delay, Delayed Baggage, Loss of Baggage, Personal Liability, Legal Assistance, Advance Bail Bond, Terrorism Extension, Winter Sport Extension and Water Sport Extension.

Cost—The number of days will determine the cost (minimum of 7days) and the minimum premium is N3,900.
Underwriter/Administrator—The policy is underwritten by Goldlink Insurance Plc in partnership with Sun Reinsurance Dubai