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SOUTH AFRICAN QUALIFICATIONS AUTHORITY 
REGISTERED UNIT STANDARD: 

Demonstrate knowledge and understanding of the scope of travel insurance in South Africa 
SAQA US ID UNIT STANDARD TITLE
120012  Demonstrate knowledge and understanding of the scope of travel insurance in South Africa 
ORIGINATOR
SGB Insurance and Investment 
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY
-  
FIELD SUBFIELD
Field 03 - Business, Commerce and Management Studies Finance, Economics and Accounting 
ABET BAND UNIT STANDARD TYPE PRE-2009 NQF LEVEL NQF LEVEL CREDITS
Undefined  Regular  Level 4  NQF Level 04 
REGISTRATION STATUS REGISTRATION START DATE REGISTRATION END DATE SAQA DECISION NUMBER
Reregistered  2018-07-01  2023-06-30  SAQA 06120/18 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2024-06-30   2027-06-30  

In all of the tables in this document, both the pre-2009 NQF Level and the NQF Level is shown. In the text (purpose statements, qualification rules, etc), any references to NQF Levels are to the pre-2009 levels unless specifically stated otherwise.  

This unit standard does not replace any other unit standard and is not replaced by any other unit standard. 

PURPOSE OF THE UNIT STANDARD 
This Unit Standard intended for learners in Short Term insurance and learners in the travel industry who receive commission on travel insurance policies. It will be useful for Underwriting Agents, Assistance Companies, Banks, Call/Service Centres, Intermediaries, learners in Medical Schemes, Healthcare Benefits Administrators, Tour Operators, Airline Personnel and Foreign Exchange Outlets.

The qualifying learner is capable of:
  • Describing the risks associated with travel.
  • Explaining the role players in a travel insurance contract.
  • Analysing a travel policy wording.
  • Explaining the procedure in the event of a claim. 

  • LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    Learners should be competent in Communication and Mathematical Literacy at Level 3. 

    UNIT STANDARD RANGE 
    The typical scope of this Unit Standard is:
  • Travel within South Africa, regionally within SADC and internationally. 

  • Specific Outcomes and Assessment Criteria: 

    SPECIFIC OUTCOME 1 
    Describe the risks associated with travel. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    The risks covered under medical expenses are identified with reference to indemnity. 

    ASSESSMENT CRITERION 2 
    Risks classified as personal accidents are explained with reference to cover. 

    ASSESSMENT CRITERION 3 
    Risks relating to cancellations and curtailment are explained with examples. 

    ASSESSMENT CRITERION 4 
    Baggage and personal effect related risks are explained with examples. 

    ASSESSMENT CRITERION 5 
    General risks associated with travel overseas are identified with reference to the potential quantum of a claim. 

    ASSESSMENT CRITERION 6 
    Risks relating to transport and repatriation are explained with examples. 

    SPECIFIC OUTCOME 2 
    Explain the role players in a travel insurance contract. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    The partners to a travel insurance contract are analysed for a specific contract. 

    ASSESSMENT CRITERION 2 
    The role of the insurer is explained with reference to risk and claims. 

    ASSESSMENT CRITERION 3 
    The role of the intermediary id explained with examples. 

    ASSESSMENT CRITERION 4 
    Suppliers who are party to a travel contract are identified for a specific contract and an indication is given of the role of each. 

    SPECIFIC OUTCOME 3 
    Analyse a travel policy wording. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    A policy wording is analysed to determine terms and conditions. 

    ASSESSMENT CRITERION 2 
    A policy wording and policy schedule are analysed to determine cover. 

    ASSESSMENT CRITERION 3 
    Exclusions and endorsements in a policy are identified and an indication is given of why certain aspects are excluded or endorsed under a specific policy. 

    ASSESSMENT CRITERION 4 
    A credit card product is compared to a specific travel insurance product. 

    ASSESSMENT CRITERION 5 
    Medical scheme cover is compared to medical cover under travel insurance. 

    ASSESSMENT CRITERION 6 
    The legal requirements associated with travel insurance are explained and an indication is given of the consequences of non-compliance. 

    SPECIFIC OUTCOME 4 
    Explain the procedure in the event of a claim. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    Events that could result in a claim are identified and classified according to the risk. 

    ASSESSMENT CRITERION 2 
    The process to be followed in the event of a claim is explained for three different types of risk. 

    ASSESSMENT CRITERION 3 
    The limitations on a claim are analysed to validate a claim. 

    ASSESSMENT CRITERION 4 
    The complaints procedure for a specific organisation is outlined and an indication is given of avenues that are available for redress in cases where a policy holder is dissatisfied with the outcome of a claim. 


    UNIT STANDARD ACCREDITATION AND MODERATION OPTIONS 
    This Unit Standard will be internally assessed by the provider and moderated by a moderator registered by a relevant accredited ETQA or an ETQA that has a Memorandum of Understanding with the relevant accredited ETQA. 

    UNIT STANDARD ESSENTIAL EMBEDDED KNOWLEDGE 
    N/A 

    UNIT STANDARD DEVELOPMENTAL OUTCOME 
    N/A 

    UNIT STANDARD LINKAGES 
    N/A 


    Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO COLLECTING 
    The learner is able to collect, organise and critically evaluate information in analysing and comparing credit card and medical scheme cover to travel insurance cover. 

    UNIT STANDARD CCFO COMMUNICATING 
    The learner is able to communicate effectively in analysing a policy wording and explaining exclusions, endorsements and legal limitations on travel insurance. 

    UNIT STANDARD CCFO DEMONSTRATING 
    The learner is able to se the world as a set of related systems in explaining the relationship between the parties to a travel insurance contract and the consequences of non-compliance with legal requirements. 

    UNIT STANDARD ASSESSOR CRITERIA 
    N/A 

    REREGISTRATION HISTORY 
    As per the SAQA Board decision/s at that time, this unit standard was Reregistered in 2012; 2015. 

    UNIT STANDARD NOTES 
    N/A 

    QUALIFICATIONS UTILISING THIS UNIT STANDARD: 
      ID QUALIFICATION TITLE PRE-2009 NQF LEVEL NQF LEVEL STATUS END DATE PRIMARY OR DELEGATED QA FUNCTIONARY
    Elective  66609   Further Education and Training Certificate: Retail Insurance  Level 4  NQF Level 04  Reregistered  2021-06-30  As per Learning Programmes recorded against this Qual 
    Elective  66610   Further Education and Training Certificate: Short Term Insurance  Level 4  NQF Level 04  Reregistered  2021-06-30  As per Learning Programmes recorded against this Qual 


    PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS UNIT STANDARD: 
    This information shows the current accreditations (i.e. those not past their accreditation end dates), and is the most complete record available to SAQA as of today. Some Primary or Delegated Quality Assurance Functionaries have a lag in their recording systems for provider accreditation, in turn leading to a lag in notifying SAQA of all the providers that they have accredited to offer qualifications and unit standards, as well as any extensions to accreditation end dates. The relevant Primary or Delegated Quality Assurance Functionary should be notified if a record appears to be missing from here.
     
    1. Alcari Learning Centre (Pty) Ltd 
    2. BRC Solutions (Pty) Ltd 
    3. CKP Development Agency (Pty) Ltd. 
    4. De Vries Management & Training Services cc 
    5. EJW Financial Services (Pty) Ltd 
    6. Executive People Development Solutions (Pty) Ltd 
    7. Faisit (Pty) Ltd 
    8. Intec College 
    9. Intelligo Solutions Pty (Ltd) 
    10. Invuya Institute of Learning (Pty) Ltd 
    11. Masifunde Training Centre (Pty) Ltd 
    12. Octomate (Pty) Ltd 
    13. Outsurance Insurance Company Ltd 
    14. Ripple Effect 4 (Pty) Ltd 
    15. Umfolozi FET College - Central Office 



    All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.