CSPA Travel Insurance
Important Information from Towergate
CSPA Travel InsuranceNews update from Towergate Health and Protection Ltd
The insurance brokers who administer the travel insurance policy on behalf of CSPA Members
In line with government guidance and to keep our employees safe, all the Towergate Health & Protection offices are now closed but we remain available as we are all working from home, continuing to deliver the excellent standard of service our customers have come to expect.
We are experiencing a high number of phone calls at the moment, so please bear with us if it takes a bit longer than normal to get through to us.
Our normal phone lines are all still up and running but it might be easier to email us initially, due to the amount of calls we are receiving. We will let you know as and when the situation changes. Stay safe and thank you for your continued support.
Email: firstname.lastname@example.org or by completing the email form on the website:-
Telephone: 0800 389 7724
CSPA Travel Insurance Policy -
Temporary Withdrawal Of Travel Policy to new applicants - Claims involving Covid-19
We have been notified by Towergate Health and Protection Ltd the brokers who administer the CSPA travel insurance on behalf of the Alliance, that the underwriters AXA PPP healthcare Ltd issued the following updates on 16 March 2020 in the light of the Covid-19 pandemic. How long the withdrawal of the CSPA travel insurance policy to new applicants will last for is a matter for speculation at present. We will notify members of any change to this situation in the light of future updates. This issue affects all Affinity organisations with travel insurance policies underwritten by AXA PPP healthcare Ltd.
1.“The Executive Committee at AXA PPP healthcare have made their decision today to cease offering new travel policy access with immediate effect on all Affinity schemes until further notice.”
2.“We have been assessing the Covid -19 situation here at AXA PPP and now have a decision on how we move forward.
Most importantly now that Covid-19 has been classed as a pandemic, it is no longer viewed as an unforeseen event.
In line with other providers in the market, including AXA Insurance, we will use our existing policy terms to reject cancellation claims from members who booked their trip or purchased their travel insurance policy after 9am 14 March 2020 due to Covid-19.
We should warn any customer wishing to purchase travel insurance as a standalone cover or as an add on to one of our PMI policies that this is our position.
We have made this decision because cancellation as a result of COVID-19, is now considered something the member should reasonably have known about before they purchased their travel insurance or booked their overseas journey.
Cover on both new and existing travel policies will continue to include cover for medical treatment should a member choose to travel within FCO advice and fall ill with Covid-19. This is the case so long as the member was fit to travel.”
Travel Insurance from AXA PPP Healthcare
The CSPA Annual Travel Insurance plan offers extremely competitively-priced, worldwide travel insurance cover to CSPA members and their families. Arranged by The Health Insurance Group and underwritten by AXA PPP Healthcare. There is no medical screening prior to joining. Provided you are fit to travel and not suffering from a terminal illness you are covered to travel. Pre-existing conditions are also covered except for certain problems related to mental health. What’s more, if you join prior to your 85th birthday you are able to remain in the scheme for life.
CSPA Annual Travel Insurance Plan
The role of Towergate Health & Protection and Civil Service Pensioners' Alliance (CSPA).
Towergate Health & Protection is an independently authorised broker, who acts on your behalf. As an independent broker, Towergate Health & Protection is also able to undertake a market review for you.
To support their members, CSPA works with Towergate Health & Protection to enable The Towergate Health & Protection to market the scheme, for which CSPA receive a fee.
Towergate Health & Protection negotiate the overall renewal terms AXA PPP healthcare offers on this plan, with CSPA agreeing the recommendation. CSPA has no other role within the administration of this arrangement.
For clarity, there is no commercial agreement between AXA PPP healthcare and CSPA, who do not represent you or negotiate any aspect of your healthcare insurance with AXA PPP healthcare.
This cover is an individual contract of insurance between you and AXA PPP healthcare. The subscriptions under this agreement are set each year by AXA PPP healthcare to take into account the claims made by all the members of CSPA and their family members covered under the product.
Of Importance to Northern Ireland members the Scheme DOES cover travel where the first flight is from Dublin Airport. ( Some other policies do not!!)
Following a query from a member we have been in touch with AXA through the Health Insurance group and we have received the following reply which should clarify the issue:-
The following response has been provided to me by AXA PPP in respect of your query: The travel handbook (attached page 16) clarifies that the policy starts when you leave your home area and ends when you return to your home area.” any journey which involves travelling outside your home area and ending on return to your home area.” Home area means:“for residents of the United Kingdom (including the Isle of Man), excluding the Channel Islands, yourhome area means the United Kingdom excluding the Channel Islands. For residents of the Channel Islands, your home area means the Channel Islands.” I have queried the above with regards to departures from Eire and received the following: The cover starts when they leave UK (in this case from NI into Eire). It doesn’t matter what mode of transport they then take out of Ireland to somewhere else (beyond UK), that is what their travel policy is for. I trust the above is of use to you and your members.
Kind regards, Catherine Scott
Head of Affinity Partnerships
Changes from 1st April 2019
Previously, all members have paid the same premium regardless of age. From renewal (in 2019), the premium will depend on which age brand a member falls into.
Change for members who join mid-way through the policy year
Previously CSPA members could join the policy at any time during the policy year from 1st April to 31st March, but payment of the full annual premium was required regardless of the date on which the member enrolled.
From this year's (2019) 1st April renewal, new members joining the policy mid-way through the policy year will enjoy cover for a full 12-month period from their date of enrolment.
Cover for Europe-only travel
Finally, a further level of cover has been introduced for members who only travel within
Europe. The premiums will reflect that your travel is limited to Europe only and has a single trip duration of 25 days, up to a total of 65 days maximum in any policy year.
Please note that you will require your CSPA membership number to complete the application form. I can provide that for Northern Ireland members if you e-mail me at email@example.com. Members from England, Scotland and Wales should make their request to firstname.lastname@example.org
Further details are in the Spring 2019 edition of "The Pensioner"
If you would like to comment on the travel insurance