a. Refund Basis

Refund percentages apply to Funds Received (amounts actually received by the Operator net of payment gateway/bank charges). Third-party costs (air tickets/hotels/visas/insurance, etc.) are excluded.

b. Policy

• More than 4 months before the trip (≥120 calendar days): 50% refund.
• 2 to 4 months before the trip (60–119 calendar days): 30% refund.
• Less than 2 months before the trip (<60 calendar days): NO REFUND.

a. Financial Handling

Funds Received are converted into credit, then adjusted by the reschedule fee and any fare difference:

• If credit ≥ new price → surplus remains as credit for the same guest/party (validity per policy).
• If credit < new price → the shortfall must be paid to confirm.
• If the reschedule fee exceeds Funds Received → the difference must be paid to confirm. Agent/OTA bookings are handled via the original channel.

b. Policy

• More than 2 months before the trip (≥120 calendar days): Free (one-time) — fare difference applies.
• 1 to 2 months before the trip (60–119 calendar days): Reschedule fee 20% of trip/charter price — fare difference applies.
• Less than 1 month before the trip (<60 calendar days): Not permitted (treated under the Cancellation Policy).

Under exceptional and unforeseeable circumstances, Navila Group reserves the right to adjust the agreed contract price. Such adjustments may be necessitated by, but are not limited to:

• Significant increases in transportation-related costs, including government-regulated fuel prices.
• Imposed increases in state or governmental duties, taxes, or levies (such as embarkation/disembarkation charges, port fees, and sales taxes).
• Substantial currency exchange fluctuations.

Navila Group shall, upon request, provide reasonable supporting documentation to substantiate any such price adjustments.

Due to the nature of certain variables—particularly government-determined fuel prices—which are beyond the control of Navila Group, a fixed cap on price increases cannot be guaranteed or contractually imposed. Nonetheless, all price adjustments shall be executed in good faith, transparently, and within reasonable commercial standards. Any such adjustment may be made no later than twenty-one (21) days prior to the scheduled departure date.

a. Insured Object & Coverage

• Insured Object, Official guests of PT Sea Marine Industry who are duly registered for the tour.
• Coverage Period, 24 hours during the official tour period as stated on the booking/manifest.
• Covered Activities, Leisure and adventure activities in Indonesia including, without limitation: snorkeling, scuba diving up to 30 meters (with certified diver and/or under instructor supervision), trekking, cruising, island tours, and similar activities operated or coordinated by the Operator.
• Not Covered. Professional/competitive activities, training for competition, or any activity outside the official tour program or contrary to safety instructions.

b. Benefits (Overview)

• Accidental Death.
• Permanent Total/Partial Disablement (in accordance with the insurer’s disability scale, e.g., Zurich Indonesia scale).
• Accident Medical Expenses.
• Emergency Medical Evacuation & Repatriation of Remains.
• Funeral Expenses.
• Transportation Expenses.

Note: Specific benefit limits/amounts are not stated here and are governed by the Insurance Certificate/Policy Schedule issued by the insurer. This T&C references that separate document as the sole authoritative source for limits, sub-limits, excess/deductibles, waiting periods, and exclusions.

c. Conditions & Exclusions (Summary)

• Coverage applies only to registered guests listed on the final manifest and for activities conducted in accordance with safety briefings, local regulations, and standard operating procedures.
• Pre-existing conditions, non-accidental illnesses, intoxication, illegal acts, and activities undertaken outside the official itinerary are excluded.
• Guests must follow crew/guide instructions and use required safety equipment; failure to do so may void coverage.

d. Claims & Procedure

• Notice of Claim. Guest (or representative) must notify the Operator as soon as practicable and provide required documents (incident report, medical records, receipts/invoices, proof of identity/booking).
• Assistance. The Operator will facilitate initial coordination with the insurer/assistance provider; however, claims are assessed and settled directly by the insurer pursuant to the policy terms.
• Authority. The Insurance Certificate/Policy Schedule and the insurer’s General Terms & Conditions prevail over this summary in case of discrepancy.