Insurance & Reinsurance Brokers at Lloyd’s
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Reduced Benefit Age

CSP Insurance policies refer to a reduced benefit age. The insurance contains lower limits for those below this age in only some areas where to give the full cover would be inappropriate or unacceptable. In general this relates only to the baggage and cash limits (which are halved for these younger people) and the Personal Accident death benefit the level of which is specifically stated in the table of benefits.

Your children (and other dependants) may travel independently of you (i.e you are not required to accompany them) but you should be aware that the maximum trip allowed where they travel without the EMPLOYEE on a winter sports is usually reduced to 17 days – you can find this information on the schedule you have recieved or the copy included in the certificate available through your employer.