Supplement to the Guide to Benefits Business Credit Card Only Policy Language Changes for 2016 Renewal. January 13 th, 2016

Size: px
Start display at page:

Download "Supplement to the Guide to Benefits Business Credit Card Only Policy Language Changes for 2016 Renewal. January 13 th, 2016"

Transcription

1 Supplement to the Guide to Benefits Business Credit Card Only Policy Language Changes for 2016 Renewal January 13 th, 2016

2 Document Revision History Revision Type Revised By Date Document Revision No. ORIGINAL Lisa Sharp 1/6/16 1 First Review AIG 1/6/16 2 Second Review Luis Diaz Valdez 1/13/16 3 Third Review Luis Diaz Valdez 1/13/16 4

3 MasterCard Business Credit Card Program Supplement Guide to Benefits Important information: Please read and save, this document contains changes to your MasterCard benefits. The information contained herein is provided solely for general informational purposes. It does not intend to be a complete description of all terms, conditions, limitations, exclusions, or other provisions of any program or insurance benefits provided by, or for, or issued to MasterCard. Selection of benefits on your MasterCard card may vary by card issuer. Please refer to your issuing financial institution for more details General changes to all insurance programs (where applicable) The following definitions provide detailed information about General Terms and Definitions changes to your MasterCard Business Credit Card Program which you can access as an eligible preferred Cardholder. AIG (The Company): means the Company underwriting the Insurance Coverage. Cardholder: Means a person who has an eligible Account whose name is on the surface (embossed or other) of an eligible MasterCard card provided by an Issuer in the Issuing Territory. Eligible Account: A MasterCard Cardholder who has an International use MasterCard card in his or her name which is issued by a MasterCard Issuer located and doing business in the Issuing Territory. Issuer: means a bank, financial institution (or like entity) or Corporation and/or Government Institution (CGI) that is admitted or and/or authorized by MasterCard to operate a MasterCard card program in the Issuing Territory. Issuing Territories: means Latin America and Caribbean Region territories where products are filed and/or filing is in process but regulator has approved benefit for sale, which includes but is not limited to: Antigua and Barbuda, Argentina, Aruba, Bahamas, Barbados, Bermuda, Brazil, Cayman Islands, Chile, Colombia, Costa Rica, Dominica, Dominican Republic, Ecuador, El Salvador, Grenada, Guatemala, Haiti, Honduras, Jamaica, México, Netherlands Antilles, Panamá, Perú, Puerto Rico, St. Kitts-Nevis & Anguilla, St. Maarten, Trinidad & Tobago, U.S. Virgin Islands, Uruguay, and Venezuela. NOTE: Some coverages are subject to filing and/or registration in some Issuing Territories.

4 Policy: means a contract of insurance and any attached endorsements or riders issued by an authorized and licensed insurance company, AIG Insurance Company or its affiliates, to MasterCard to provide coverage in relation to the benefits that are offered to the MasterCard Program Cardholders whose issuers are located and do business in the Issuing Territories. Rewards Program: means a program developed/offered by MasterCard and Issuer, allowing cardholders to earn value (mileage points, cash, etc.) and redeem rewards (merchandise, travel, etc.) on an eligible MasterCard card. An eligible Rewards Program must be a consequence of plastic /card transactions associated with MasterCard, regardless of the value earned (mileage points, cash, etc.). Rewards programs where points are not generated by plastic /card transactions, or not associated with MasterCard at all, are not considered eligible Rewards Programs. For a Cardholder to be eligible for coverage, he/she must pay all associated taxes, shipping and handling fees and any other required fees with his/her eligible MasterCard card or eligible MasterCard reward points. ATM Protection: Definition Added to ATM Protection Definition of Account has been further defined: Account: means and eligible MasterCard International-use Cardholder account that is open and in good standing (not cancelled, suspended or delinquent) at the time of loss. CONDITIONS/LIMITATIONS HAVE BEEN MODIFIED AS FOLLOWS: In the event of a claim, notice must be provided to the Insurance Company within 90 days of the date of incident. Failure to give notice within ninety (90) days from the date of the incident may result in a denial of the claim (please refer to the section, How to File a Claim.) WHAT IS NOT COVERED by ATM Protection (Exclusions) has been expanded to include: AIG and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose AIG and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. DEFINITIONS-ATM PROTECTION have been modified as follows:

5 Loss with regards to ATM Protection means a Death caused by murder during an Assault within 2 hours of completing an ATM transaction with a covered card. Is replaced as follows: Loss means Robbery with violence / assault of cash withdrawn from an ATM or/and Death caused by murder during an Assault within 2 hours of doing an ATM transaction with a covered card. HOW TO FILE A CLAIM section has been modified as follows for ATM Protection: Claim Notification Period: Within ninety (90) days from the date of incident or discovery. A new document has been added for Required Information (proof of loss): d) The Cardholder s statement of Account evidencing the eligibility of the Account. A new method to upload required information: Submit all required information as outlined above by either: 1. Upload: Fax: Mail: MasterCard Benefits Assistance Center c/o Program Administrator at Sedgwick Claims Management Services, Inc. PO Box Cleveland, OH, Payment of claim has been modified as follows to include: Subject to all applicable terms and conditions, all benefits will be paid to the Insured Person. Payment of any indemnity shall be subject to the laws and governmental regulations then in effect in the country of payment. MASTER RENTAL INSURANCE Collision Damage Waiver Definition Changes to Master Rental Coverage 1. New Definition Account:

6 Account: means an eligible MasterCard International-use Cardholder that is open and in good standing (not cancelled, suspended or delinquent) at the time of loss. Revised Definition Market Value: Market Value: means a) the amount that a seller may expect to obtain for merchandise, services or securities in the open market; b) the price for which something would sell based on what they would sell for under current market conditions; c) the price of destroyed or damaged stock or goods. Revised Definition Rental Company: Rental Company (or Car Rental Company ): means any commercial vehicle licensed rental agency which rents Rental Cars. LENGTH AND SCOPE OF COVERAGE YOU RECEIVE has been modified as follows: You may have difficulty utilizing the benefits of Master Rental in Australia, Ireland, Israel, Italy, Jamaica and New Zealand. Please contact your Rental Company before making your arrangements- Is replaced as follows: Cardholder may have difficulty utilizing the benefits of Master Rental in some countries or with some rental agencies. Cardholder should contact the Rental Company before making arrangements. WHAT IS NOT COVERED (EXCLUSIONS) has been expanded to include: AIG and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose AIG and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. HOW TO FILE A CLAIM SECTION has been modified as follows for Master Rental Required Information (proof of loss): g) Cardholder s monthly statement of account showing the account is open and in good standing at the time of filling the claim- is replaced as follows: g) The cardholder statement of account evidencing the eligibility of the account. A new method to upload required information:

7 Submit all required information as outlined above by either: 5. Upload: Fax: Mail: MasterCard Benefits Assistance Center c/o Program Administrator at Sedgwick Claims Management Services, Inc. PO Box Cleveland, OH, Payment of claim has been modified as follows to include: Subject to all applicable terms and conditions, all benefits will be paid to the Insured Person. Payment of any indemnity shall be subject to the laws and governmental regulations then in effect in the country of payment. MASTER TRAVEL INSURANCE Common Carrier Conveyance Insured Journey 24 Hours Definition Changes to Master Travel Coverage New Definition Accidental Death Accidental Death: means, death due to unintentional, violent and external injury. The Company will pay the maximum Sum Insured applicable if an Injury to an Insured Person results in the Loss of life. The Loss must occur within the 365 Days from the date of the Accident or occurrence, which caused such injury. Definition of Account has been further defined: Account: means and eligible MasterCard International-use Cardholder account that is open and in good standing (not cancelled, suspended or delinquent) at the time of purchase of the common carrier ticket. Definition of Common Carrier Conveyance added Conveyance and added valid and in good standing: Common Carrier Conveyance: means any land, water or air conveyance operated under a valid and in good standing license for the transportation of passengers for hire for which a ticket has been obtained. Additional verbiage added to Covered Trip: Covered Trip: means a trip where (a) the Insured Person s Common Carrier fare/ticket has been charged in full to an eligible Account, credit or debit transactions, or (b) purchased with an eligible card, credit or debit transactions, that received mileage points, and other similar discounts from reward programs for travel issued by MasterCard or a MasterCard International Issuer, or (c) both point (a) and (b) of this definition by an Insured Person on behalf of another Insured Person. Additionally, if the above definition

8 has been met and a change in airfare and/or change in flight and/or a class upgrade occurs, which was made with another means of payment or Rewards Program, it will also be considered a Covered Trip; however the maximum Sum Insured benefit amount will be based on the eligible Class Type (as Card Type) for the original passenger fare purchase and this will be the only benefit amount applicable. Such Covered Trip shall be deemed to have commenced when the Insured Person begins travel when the Common Carrier is scheduled for departure and continues until such time as the Insured Person completes travel, or up to the maximum scope of coverage where applicable. New Definition - Dismemberment: Dismemberment (including Loss of sight, speech, hearing or paralysis): The Company will pay a percentage of the maximum Sum Insured if an Injury to the Insured Person results in one of the Losses shown in the table of Losses. The Loss must occur within the 365 days from the date of the Accident which caused the injury. In the event an insured person suffers more than one Loss (Paralysis or Dismemberment) as a result of any one Accident, only one benefit amount, the largest, will be paid. MASTER TRAVEL INSURANCE has been modified as follows: MasterCard Business Card cardholders, their Spouse, and dependent children can benefit from comprehensive travel accident insurance coverage offered through Master Travel- Is replaced as follows: MasterCard Business Card cardholders can benefit from comprehensive travel accident insurance coverage offered through Master Travel WHO IS COVERED has been modified as follows: MasterCard BusinessCards cardholders, the cardholder s Spouse and dependent Children whether traveling together or separately Is replaced as Follows MasterCard Business Card cardholders Only. WHAT IS NOT COVERED (EXCLUSIONS) has been expanded to include: AIG and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose AIG and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation.

9 What Are the Benefits Common Carrier Travel Accident has been modified as follows In the event of an accidental death while on a covered Trip, you can receive the maximum Principal Benefit Amount. For a covered Loss with Common Carrier Travel Accident Only, benefits are provided as a percentage of the maximum Principal Benefit per the following Schedule of Losses: Schedule of Losses For Loss of: Two Members One Member Thumb and Index Finger of Same Hand Quadriplegia (Paralysis) Paraplegia (Paralysis) Hemiplegia (Paralysis) Uniplegia (Paralysis) Percentage of Principal Sum Insured 100% 50% 50% 100% 75% 50% 25% How to file a claim section has been modified as follows for MASTER TRAVEL INSURANCE Submission Period: No later than ninety (90) days from the date of Claim Notification. A new document has been added for Required Information (proof of loss): d) The Cardholder s statement of Account evidencing the eligibility of the Account. Please Note that at time additional information may be requested from the Proof of Loss required below in order to process the claim. It is the Insured Person s or the beneficiary s or someone legally acting on behalf of either, responsibility to provide this information in order to process the claim. Please note there may be Additional information requested at times in order to process your claim. It is your responsibility to provide this information to process the claim. How to file a claim section has been modified as follows to include a new method to upload required information: Submit all required information as outlined above by either: 9. Upload: Fax: Mail: MasterCard Benefits Assistance Center c/o Program Administrator at Sedgwick Claims Management Services, Inc. PO Box 89405

10 Cleveland, OH, Payment of claim has been modified as follows to include: Subject to all applicable terms and conditions, all benefits will be paid to the Insured Person. Payment of any indemnity shall be subject to the laws and governmental regulations then in effect in the country of payment. NOTE: How to file a claim section has been modified as follows for ATM Protection, Master Rental and MASTER TRAVEL INSURANCE 2) Complete the Claim Form (s) in its entirety Is replaced as follows: 2) Complete the Claim Form (s) in its entirety signed and dated. IMPORTANT This summary of benefits is presented as general reference only. Please contact your card issuing bank to verify the benefits applicable to your card since some of them may not apply to every country due to compliance with local regulations.

Supplement to the Guide to Benefits Executive Business Credit Card Only Policy Language Changes for 2016 Renewal

Supplement to the Guide to Benefits Executive Business Credit Card Only Policy Language Changes for 2016 Renewal Supplement to the Guide to Benefits Executive Business Credit Card Only Policy Language Changes for 2016 Renewal MasterCard Business Executive Credit Card Program Supplement Guide to Benefits Important

More information

Supplement to the Guide to Benefits Gold Card Only Policy Language Changes for 2016 Renewal

Supplement to the Guide to Benefits Gold Card Only Policy Language Changes for 2016 Renewal Supplement to the Guide to Benefits Gold Card Only Policy Language Changes for 2016 Renewal Gold MasterCard Gold Credit Card Program Supplement Guide to Benefits Important information: Please read and

More information

MasterCard BusinessCard

MasterCard BusinessCard - 1 - MasterCard BusinessCard Guide to Benefits Important information. Please read and save. This Guide to Benefits contains detailed information about extensive travel, insurance, and assistance services

More information

FedEx International Priority. FedEx International Economy 3

FedEx International Priority. FedEx International Economy 3 SERVICES AND RATES FedEx International Solutions for your business Whether you are shipping documents to meet a deadline, saving money on a regular shipment or moving freight, FedEx offers a suite of transportation

More information

MasterCard Gold Credit Card Program

MasterCard Gold Credit Card Program MasterCard Gold Credit Card Program Guide to Benefits Important information. Please read and save. This Guide to Benefits contains detailed information about extensive travel, insurance, and assistance

More information

AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA AND AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA

AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA AND AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA AND AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA Certificate of Insurance No Fee MasterCard Cardholders Group Policy: CUNF0604 Effective Date: June 1,

More information

Auto Rental Insurance Basic Benefits

Auto Rental Insurance Basic Benefits Auto Rental Insurance Basic Benefits NOTICE: This document is a summary of the policy and is intended to be distributed in its entirety to cardholders. If an issuer uses excerpts of this material to distribute

More information

MasterCard Guide to Benefits Benefits that are always with you.

MasterCard Guide to Benefits Benefits that are always with you. MasterCard Platinum Debit Card Guide to Benefits Important information. Please read and save. This Guide to Benefits contains detailed information about insurance, and assistance services that you can

More information

UNITED KINGDOM/ BRITISH PASSPORT SERVICE for Adults Ages 16 & Over

UNITED KINGDOM/ BRITISH PASSPORT SERVICE for Adults Ages 16 & Over British, UK, United Kingdom Passport Renewal Call us for assistance Toll-free: (866) 378-1722 Local: (202) 684 7150 Fax: (866) 511-7599 1802 Vernon Street, NW Washington, DC 20009 Email: dc@travelvisapro.com

More information

Puerto Rico 2016 SERVICES AND RATES

Puerto Rico 2016 SERVICES AND RATES SERVICES AND RATES FedEx International Solutions for your business Whether you are shipping documents to meet a deadline, saving money on a regular shipment or moving freight, FedEx offers a suite of transportation

More information

Additional Life Coverage Highlights Johnson County Community College

Additional Life Coverage Highlights Johnson County Community College Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select

More information

12505-645820-BROKERED

12505-645820-BROKERED Voluntary Life Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through your employer. Written in non-technical

More information

REPORT OF THE KNOWLEDGE TRANSFER NETWORK*

REPORT OF THE KNOWLEDGE TRANSFER NETWORK* Distr. LIMITED LC/L.3379(CEA.6/7) 19 October 2011 ENGLISH ORIGINAL: SPANISH Sixth meeting of the Statistical Conference of the Americas of the Economic Commission for Latin America and the Caribbean Bávaro,

More information

ATTACHMENT C BENEFIT AGREEMENT

ATTACHMENT C BENEFIT AGREEMENT ATTACHMENT C BENEFIT AGREEMENT 1. SUPPLEMENTAL LIFE INSURANCE PLAN Plan Design for Supplemental Life: Step rates for Supplemental Life insurance based upon age Coverage based on annual salary levels. 1-6X

More information

Know the Facts. Aon Hewitt Country Profiles can help: Support a decision to establish or not establish operations in a specific country.

Know the Facts. Aon Hewitt Country Profiles can help: Support a decision to establish or not establish operations in a specific country. Aon Hewitt Country Profiles Your eguide to employment requirements and practices Profiles for nearly 90 countries worldwide Risk. Reinsurance. Human Resources. Know the Facts Whether you are a newcomer

More information

Additional Life Insurance with AD&D Coverage Highlights The Salvation Army

Additional Life Insurance with AD&D Coverage Highlights The Salvation Army Accidental Death and Dismemberment (AD&D) Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through. Written in non-technical

More information

GROUP BENEFIT PROGRAM HIGHLIGHTS

GROUP BENEFIT PROGRAM HIGHLIGHTS Group Disability GROUP BENEFIT PROGRAM HIGHLIGHTS When the death of a family provider occurs, families find themselves facing not only the loss of a loved one but also the loss of their financial security.

More information

Dial 00-800-0010, when prompted to enter calling number, enter 800-544-6666 American Samoa 1-800-544-6666 Number can be dialed directly Angola 0199

Dial 00-800-0010, when prompted to enter calling number, enter 800-544-6666 American Samoa 1-800-544-6666 Number can be dialed directly Angola 0199 National Financial Services International Calling Instructions Albania 00-800-0010 Dial 00-800-0010, when prompted to enter American Samoa 1-800-544-6666 Number can be dialed directly Angola 0199 Dial

More information

EURONET VERSION 8.0 OVERVIEW

EURONET VERSION 8.0 OVERVIEW EURONET VERSION 8.0 OVERVIEW Copyright 2009 Rail Europe, Inc. All Rights Reserved. 1 Dear Preferred Partner, We are pleased to present to you a summary of some of the exciting changes which will be available

More information

HCC Life Insurance Company (A stock insurance company) CERTIFICATE OF INSURANCE

HCC Life Insurance Company (A stock insurance company) CERTIFICATE OF INSURANCE Group Term Life Insurance HCC Life Insurance Company (A stock insurance company) CERTIFICATE OF INSURANCE Policyholder: SAMPLE CONTRACT Policy Number: 1234 Policy Effective Date: XX/XX/XXXX Policy Anniversary

More information

MasterCard Platinum Credit Card Program

MasterCard Platinum Credit Card Program 1 MasterCard Platinum Credit Card Program Guide to Benefits Important information. Please read and save. This Guide to Benefits contains detailed information about extensive travel, insurance, and assistance

More information

Stewart Title Guaranty Company. International Real Estate A Buyers Guide

Stewart Title Guaranty Company. International Real Estate A Buyers Guide Stewart Title Guaranty Company International Real Estate A Buyers Guide Global Presence. Local Expertise. Anguilla* Antigua & Barbuda Argentina Aruba Australia* Austria Bahamas Barbados Belgium Belize

More information

Business Phone. Product solutions. Key features

Business Phone. Product solutions. Key features Product solutions Enjoy free calls and significant savings on your business landline bills with from International. Set-up is simple and you don t need to change your existing telephone numbers, plus there

More information

Life Insurance & Voluntary AD&D Insurance

Life Insurance & Voluntary AD&D Insurance 30 Life Insurance & Voluntary AD&D Insurance Elective Benefits The Standard Life Insurance Plan Basic and Additional (Supplemental) Life Insurance Group Policy Effective Date January 1, 2012 It s not easy

More information

Life Insurance and AD&D

Life Insurance and AD&D Life Insurance and AD&D The plan provides you with life and accident coverage that gives you and your family protection against some of the financial hardships that can occur if you become injured or die.

More information

BMO Common Carrier C E R T I F I C A T E O F I N S U R A N C E

BMO Common Carrier C E R T I F I C A T E O F I N S U R A N C E BMO Common Carrier C E R T I F I C A T E O F I N S U R A N C E Inside You ll find all You need to know about the BMO Common Carrier features and benefits included with Your BMO REWARDS MasterCard *. CERTIFICATE

More information

ACCIDENT INSURANCE ENDORSEMENT

ACCIDENT INSURANCE ENDORSEMENT THIS ENDORSEMENT ADDS ACCIDENT INSURANCE TO THE POLICY UNDER THE TERMS AND CONDITIONS STATED HEREIN, PLEASE READ IT CAREFULLY. ACCIDENT INSURANCE ENDORSEMENT NOTICE: THIS ENDORSEMENT PROVIDES ACCIDENT

More information

FedEx Ship Manager. New Features. Version 2350

FedEx Ship Manager. New Features. Version 2350 FedEx Ship Manager New Features Version 2350 Support Information FedEx Ship Manager Installation During the installation, turn off any virus protection or firewall programs on your PC. These programs may

More information

FedEx Ship Manager Software Quick Reference Guide

FedEx Ship Manager Software Quick Reference Guide FedEx Ship Manager Software Quick Reference Guide 1 New install 1 Download and launch the installer file setup.exe. 2 Select "typical install". 4 At the end of the automatic installation, the Installation

More information

To contact Dell Technical Support electronically, you can access the following websites:

To contact Dell Technical Support electronically, you can access the following websites: Contact Numbers Contacting Dell To contact Dell electronically, you can access the following websites: : support.dell.com / support.euro.dell.com (Europe) For specific web addresses for your country, find

More information

Life Insurance TABLE OF CONTENTS. Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3. Eligibility... 8 Beneficiary... 8 Coverage...

Life Insurance TABLE OF CONTENTS. Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3. Eligibility... 8 Beneficiary... 8 Coverage... Life Insurance TABLE OF CONTENTS Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3 Eligibility... 3 Beneficiary... 4 Coverage... 4 Benefits... 4 Conversion Privilege... 4 Claims... 5

More information

REGISTRATION POLICY Version 1.1 5/2/2016. Summary

REGISTRATION POLICY Version 1.1 5/2/2016. Summary REGISTRATION POLICY Version 1.1 5/2/2016 Summary This Registration Policy, to be read together with the Registration Agreement and the.hoteles Registry Policies, sets forth the criteria which all Applicants,

More information

TRAVEL ACCIDENT INSURANCE CERTIFICATE AMEX (MIDDLE EAST) B.S.C. (C)

TRAVEL ACCIDENT INSURANCE CERTIFICATE AMEX (MIDDLE EAST) B.S.C. (C) TRAVEL ACCIDENT INSURANCE CERTIFICATE AMEX (MIDDLE EAST) B.S.C. (C) TRAVEL ACCIDENT (Applicable to travel in public conveyances). Travel Accident Insurance Certificate [Amex (Middle East)] 51UK428967 This

More information

Evolution of EU exports and imports of goods with CELAC, 2004-2014 (in billion)

Evolution of EU exports and imports of goods with CELAC, 2004-2014 (in billion) 100/2015-9 June 2015 EU Community of Latin American and Caribbean States (CELAC) summit CELAC represents the fifth most important trading partner of the EU More than 200 bn total trade The 28 Member States

More information

Visa Card Auto Rental Collision Damage Waiver

Visa Card Auto Rental Collision Damage Waiver Your Guide to Benefit describes the benefit in effect as of 4/1/14. Benefit information in this guide replaces any prior benefit information you may have received. Please read and retain for your records.

More information

A financial plan that s right for you. NAABA General Meeting March 20, 2014

A financial plan that s right for you. NAABA General Meeting March 20, 2014 A financial plan that s right for you. NAABA General Meeting March 20, 2014 Agenda Scotiabank Global Footprint Financial Solutions Aboriginal Relations Small Business Banking Commercial Banking Wealth

More information

VII. Life & Accident Insurance Programs Table of Contents

VII. Life & Accident Insurance Programs Table of Contents VII. Life & Accident Insurance Programs Table of Contents About This Section...1 An Overview of the Life and Accident Insurance Programs...2 How Benefits Are Paid...2 Basic Life Insurance...3 Imputed Income...3

More information

Your Global Solution For Medical Flights Caribbean, Americas and Transatlantic

Your Global Solution For Medical Flights Caribbean, Americas and Transatlantic Air Ambulance CARIBBEAN AIR MEDICAL ASSISTANCE Your Global Solution For Medical Flights Caribbean, Americas and Transatlantic ABOUT US JetBudget is an air operator based in St Maarten / St Martin specializing

More information

Tourism Statistical Yearly Report 2012

Tourism Statistical Yearly Report 2012 Tourism Statistical Yearly Report 2012 The Costa Rica Tourism Board is pleased to present the Tourism Statistical Yearly Report 2012. The information has been collected and organized by officers of Subproceso

More information

MAXIMUM INDEMNITY PER COVERED PERSON

MAXIMUM INDEMNITY PER COVERED PERSON American Express Cathay Pacific Credit Card / American Express Cathay Pacific Elite Credit Card Travel Accident Insurance ACE Insurance Limited (hereinafter called the "Company") hereby certifies an American

More information

ATB FINANCIAL BUSINESS REWARDS TERMS AND CONDITIONS

ATB FINANCIAL BUSINESS REWARDS TERMS AND CONDITIONS Effective February 8, 2016 1. REWARD PROGRAM These terms and conditions apply to the ATB Financial Business Rewards BusinessCard Program (the Program ) associated with the Card Account that allows you

More information

WorldPoints Rewards Program Rules

WorldPoints Rewards Program Rules WorldPoints Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases, like buying groceries, filling the gas tank or paying your utility bill. Your rewards at a

More information

(Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only)

(Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only) (Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only) I. Description of the Program a) Unitus members with Prime Share

More information

American Express Personal Card Travel Accident Insurance Policy. Terms and Conditions

American Express Personal Card Travel Accident Insurance Policy. Terms and Conditions American Express Personal Card Travel Accident Insurance Policy Terms and Conditions March 2008 TABLE OF CONTENTS Terms and Conditions 3 Travel Insurance Cover 3 - Activation of Insurance Benefits and

More information

Overview of CAAM-HP and its Achievements

Overview of CAAM-HP and its Achievements Overview of CAAM-HP and its Achievements Presented at the 10 th Anniversary Conference of the CAAM-HP July 28-30, 2014 Montego Bay, JAMAICA Lorna Parkins Executive Director The Caribbean GULF OF MEXICO

More information

Global Network Access International Access Rates

Global Network Access International Access Rates Global Network Access International Access Rates We know that you need to communicate with your partners, colleagues and customers around the world. We make every effort to understand the difficulties

More information

Installing New Software Using the Online Installer (Backup and Restore Required)

Installing New Software Using the Online Installer (Backup and Restore Required) Installing New Software Using the Online Installer (Backup and Restore Required) Last Updated: September 7, 2010 This chapter provides procedures for installing a new version of the Cisco Video Management

More information

Life Insurance and AD&D

Life Insurance and AD&D Life Insurance and AD&D The plan provides you with life and accident coverage that gives you and your family protection against some of the financial hardships that can occur if you become injured or die.

More information

Latin America - Digital Media and Pay TV Market

Latin America - Digital Media and Pay TV Market Brochure More information from http://www.researchandmarkets.com/reports/1937256/ Latin America - Digital Media and Pay TV Market Description: This market report provides a comprehensive overview of convergence,

More information

Life and AD&D Coverage Options

Life and AD&D Coverage Options 43 Life and AD&D Coverage Options Life Insurance Options Life insurance pays benefits if you die or if a dependent dies while covered by the plan. Adequate life insurance can provide important financial

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of University System of New Hampshire 6CC000 Class I B-12270 11-12 E-Book CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

More information

Guaranteed-Issue. International Term Life Insurance. Financial Protection Your Family Can Rely On: No Medical Exam Required*

Guaranteed-Issue. International Term Life Insurance. Financial Protection Your Family Can Rely On: No Medical Exam Required* Guaranteed-Issue International Term Life Insurance Financial Protection Your Family Can Rely On: No Medical Exam Required* Low fixed premium for portable term life coverage up to $250,000 USD in benefits.

More information

Regional References on solution/ mitigation of FPL problems. (Presented by Secretariat) EXECUTIVE SUMMARY

Regional References on solution/ mitigation of FPL problems. (Presented by Secretariat) EXECUTIVE SUMMARY 19/02/15 FPL Ad hoc Group Missing/duplicated/erroneous Filed flight plan /Flight plan (FPL) evaluation meeting (FPL/AD/MON) Mexico City, Mexico, 24-26 February 2015 Agenda Item 2 Regional references on

More information

Virginia Polytechnic Institute and State University Voluntary Accidental Death & Dismemberment Insurance GTU 5091373

Virginia Polytechnic Institute and State University Voluntary Accidental Death & Dismemberment Insurance GTU 5091373 Virginia Polytechnic Institute and State University Voluntary Accidental Death & Dismemberment Insurance GTU 5091373 The following is a brief description of the Voluntary Accidental Death and Dismemberment

More information

Take advantage of the security, reliability, and convenience that comes with a Visa card the number one payment card used around the world.

Take advantage of the security, reliability, and convenience that comes with a Visa card the number one payment card used around the world. Take advantage of the security, reliability, and convenience that comes with a Visa card the number one payment card used around the world. Learn more about specific Personal card benefits. Not all benefits

More information

CHARTIS PERSONAL PROTECTION FOR. Premier MasterCard Per Cardholder. For Oman Cardholders

CHARTIS PERSONAL PROTECTION FOR. Premier MasterCard Per Cardholder. For Oman Cardholders CHARTIS PERSONAL PROTECTION FOR Premier MasterCard Cards For Oman Cardholders SUMMARY OF COVER Maximum amount payable Per occurrence: Premier MasterCard Per Cardholder Purchase Protection USD 3,000 Extended

More information

1 Definitions. 2 Standard Product Warranty

1 Definitions. 2 Standard Product Warranty This Document ( T&C Document ) sets forth the terms under which Advanced Network Technology Laboratories Pte Ltd, ( ANTlabs ) upon Customer s payment of applicable fees and successful registration for

More information

MasterCoverage. The liability protection program

MasterCoverage. The liability protection program MasterCoverage The liability protection program Introduction Effectively managing travel and entertainment (T&E) spending, small-dollar purchasing, and other business expenditures is increasingly important

More information

Additional Employee Life and AD&D Insurance

Additional Employee Life and AD&D Insurance Additional Employee Life and AD&D Insurance Employee Life and Accidental Death & Dismemberment (AD&D) Insurance provides a source of income to your beneficiary in the event of your death while you are

More information

Name of Insured Organization: Name of Insured Organization: Policy Number: Policy Number:

Name of Insured Organization: Name of Insured Organization: Policy Number: Policy Number: Name of Insured Organization: Name of Insured Organization: Policy Number: Policy Number: Please note that this is not a credit card or medical insurance card. Please note that this is not a credit card

More information

Section. Basic Life Insurance and accidental Death & dismemberment insurance

Section. Basic Life Insurance and accidental Death & dismemberment insurance Section b Basic Life Insurance and accidental Death & dismemberment insurance Section Page Coverage...B. 1 General Provisions...B. 1 Appeal of Denied Claims...B. 3 Conversion Privilege...B. 4 Insurer...B.

More information

Car Rental Insurance Provided by Visa. General Information & Terms and Conditions

Car Rental Insurance Provided by Visa. General Information & Terms and Conditions Car Rental Insurance Provided by Visa General Information & Terms and Conditions What is this benefit? When certain terms and conditions are met, Visa Auto Rental Collision Damage Waiver benefit ( Auto

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of State of South Dakota All Eligible Employees 6CC000 B-14517 (03-15) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF

More information

Service Description Implementation of EMC Fast LUN Migrator Software

Service Description Implementation of EMC Fast LUN Migrator Software Service Description Implementation of EMC Fast LUN Migrator Software Service SKUs See Appendix A. Service Overview This service provides for the installation and implementation of EMC Fast LUN Migrator

More information

Recognition of Judgments 2016

Recognition of Judgments 2016 The United Nations High Commissioner for Refugees, Sin Fronteras, the Inter-American Commission on Human Rights, and the Asociación Mexicana de Impartidores de Justicia A.C. CALL FOR PROPOSALS Recognition

More information

INTERNATIONAL FACTORING

INTERNATIONAL FACTORING INTERNATIONAL FACTORING November 3, 2011 1 L. Gabriel Segura President and founding officer of CVCredit Inc, a Miami-based company which focuses in USA-domestic and international factoring services. Nine

More information

NAVY FEDERAL S BUSINESS REWARDS CARD PROGRAM DESCRIPTION

NAVY FEDERAL S BUSINESS REWARDS CARD PROGRAM DESCRIPTION NAVY FEDERAL S BUSINESS REWARDS CARD PROGRAM DESCRIPTION BUSINESS REWARDS Online Members with NFO access may view their BUSINESS REWARDS point history and redeem points on navyfederal.org 24 hours a day

More information

The Healthcare and Health Tourism. Sector

The Healthcare and Health Tourism. Sector The Healthcare and Health Tourism Sector Introduction For Bancolombia being an ally of healthcare institutions means to accompany, advise, and offer alternatives to make your projects become a reality.

More information

Global Smart Business Inc. Field Services Outsourcing Company Global Smart Hands Services

Global Smart Business Inc. Field Services Outsourcing Company Global Smart Hands Services Global Smart Business Inc. Field Services Outsourcing Company Global Smart Hands Services Global Smart Business Headquarter in Boca Raton, Florida Capabilities in 26 countries On-site capabilities 5x9,

More information

Receivables Management Solutions

Receivables Management Solutions Receivables Management Solutions Unlock trapped liquidity, reduce costs and make collections more predictable Citi Transaction Services Latin America and Mexico Citi Transaction Services Latin America

More information

Accidental Death and Dismemberment Insurance

Accidental Death and Dismemberment Insurance Benepac Insurer Accidental Death, Dismemberment and Specific Loss Indemnity Industrial Alliance Insurance and Financial Services Inc. (IA) The loss or permanent and total loss of use must occur within

More information

Memorial Hermann Employer Occupational Accident Program Houston, Texas

Memorial Hermann Employer Occupational Accident Program Houston, Texas Memorial Hermann Employer Occupational Accident Program Houston, Texas Memorial Hermann Health Solutions, Inc. Employer Occupational Accident Program Insurance underwritten by ACE American Insurance Company

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of Lincolnshire Prairie View School District 103 Class IV - Full-time Staff 6CC000 NIHIP Account 31 B-12602 11-14 Elec CONTENTS CERTIFICATION PAGE.............................................

More information

Global Dialing Comment. Telephone Type. AT&T Direct Number. Access Type. Dial-In Number. Country. Albania Toll-Free 00-800-0010 888-426-6840

Global Dialing Comment. Telephone Type. AT&T Direct Number. Access Type. Dial-In Number. Country. Albania Toll-Free 00-800-0010 888-426-6840 Below is a list of Global Access Numbers, in order by country. If a Country has an AT&T Direct Number, the audio conference requires two-stage dialing. First, dial the AT&T Direct Number. Second, dial

More information

HP Next Business Day Hardware Support for Travelers

HP Next Business Day Hardware Support for Travelers HP Next Business Day Hardware Support for Travelers HP Care Pack Services Technical data HP Next Business Day Hardware Support for Travelers provides mobile computer users with a hardware support solution

More information

Auto Rental Collision Damage Waiver

Auto Rental Collision Damage Waiver This description of coverage is provided in response to your request for information from the Benefit Administrator. This description of coverage does not supersede any description you may have received

More information

Personal Financial Services Agreement

Personal Financial Services Agreement Personal Financial Services Agreement *Trademarks of The Bank of Nova Scotia, used under license (where applicable). Registered trademarks of Visa International, used under license. MasterCard is a registered

More information

USA RUGBY CIPP ACCIDENT AND LIABILITY INSURANCE INFORMATION

USA RUGBY CIPP ACCIDENT AND LIABILITY INSURANCE INFORMATION USA RUGBY CIPP ACCIDENT AND LIABILITY INSURANCE INFORMATION https://www.usarugby.org USA Rugby members automatically receive two forms of insurance when they register, liability insurance and accident

More information

City of Moberly. Your Group Life and Accidental Death and Dismemberment Plan

City of Moberly. Your Group Life and Accidental Death and Dismemberment Plan City of Moberly Your Group Life and Accidental Death and Dismemberment Plan Identification No. 420359 011 Underwritten by Unum Life Insurance Company of America 12/4/2015 CERTIFICATE OF COVERAGE Unum

More information

Group term life and AD&D insurance

Group term life and AD&D insurance Group term life and AD&D insurance Employer information for groups with 51+ eligible employees Effective October 1, 2011 blueshieldca.com Life and accidental death and dismemberment (AD&D) insurance are

More information

Accidental Death & Dismemberment Conversion Package

Accidental Death & Dismemberment Conversion Package Accidental Death & Dismemberment Conversion Package Accidental Death & Dismemberment Conversion Package Converting your Accidental Death & Dismemberment Coverage from the Group Policy to an Individual

More information

The Standard Life Insurance Company of New York Additional Life and AD&D Coverage Highlights Teachers College, Columbia University

The Standard Life Insurance Company of New York Additional Life and AD&D Coverage Highlights Teachers College, Columbia University Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Life insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt, secure your children

More information

Life and Accident Insurance

Life and Accident Insurance Life and Accident Insurance Honda offers basic life and accident insurance and business travel insurance benefits for you or your survivors in the event of your accidental death or serious injury. Table

More information

Visa Classic and Gold

Visa Classic and Gold Visa Classic and Gold Enjoy con venience and security with Visa. Butterfield Visa Credit Cards. Put the ultimate in purchasing power at your fingertips, with a Visa Credit Card from Butterfield. Offering

More information

Service description. Data Center Relocation Assistance. Introduction to your service agreement

Service description. Data Center Relocation Assistance. Introduction to your service agreement Service description Data Center Relocation Assistance Introduction to your service agreement This service provides assistance to the Customer in the relocation of Dell Compellent, Dell EMC, Dell EqualLogic

More information

Preparing Tomorrow's Teachers with Web 2.0 Tools and 21st Century Skills 1

Preparing Tomorrow's Teachers with Web 2.0 Tools and 21st Century Skills 1 Professional Development Scholarship Program Preparing Tomorrow's Teachers with Web 2.0 Tools and 21st Century Skills 1 OAS/DHDEC/CIR.031/2012 1) Study venue: The course will be delivered entirely online

More information

Cisco Global Cloud Index Supplement: Cloud Readiness Regional Details

Cisco Global Cloud Index Supplement: Cloud Readiness Regional Details White Paper Cisco Global Cloud Index Supplement: Cloud Readiness Regional Details What You Will Learn The Cisco Global Cloud Index is an ongoing effort to forecast the growth of global data center and

More information

AAD Group Accidental Death & Dismemberment Insurance Plan. Frequently Asked Questions

AAD Group Accidental Death & Dismemberment Insurance Plan. Frequently Asked Questions Frequently Asked Questions 1. Who is eligible? All AAD members in good standing who are under age 65 are eligible to enroll for this plan. If the Family Plan is selected, you may also enroll your lawful

More information

1.99% Introductory APR for the first 6 Statement Closing Dates following the opening of your account.

1.99% Introductory APR for the first 6 Statement Closing Dates following the opening of your account. CREDIT CARD AGREEMENT FOR BEYOND SMALL BUSINESS MASTERCARD OF FIRSTBANK (THE AGREEMENT ) Interest rates and Interest Charges Annual Percentage Rate (APR) for Purchases 1.99% Introductory APR for the first

More information

Commercial MasterCard Credit Card (Option for TruRewards)

Commercial MasterCard Credit Card (Option for TruRewards) Commercial MasterCard Credit Card (Option for TruRewards) Conveniently Manage Your Business Expenses With a Card From a Bank You Know Better ideas. Better banking. bannerbank.com Owned & Serviced by Banner

More information

GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today.

GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today. GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today. If you are a regular, full-time employee, the Getty Life Insurance

More information

Fall 2015 International Student Enrollment

Fall 2015 International Student Enrollment Fall 2015 International Student Enrollment Prepared by The Office of International Affairs Nova Southeastern University Nova Southeastern University International Student Statistics Fall 2015 International

More information

Dealer. Línea Integral Autos Car Line Program. Autos (LIA): Línea Integral. The Wholesale Plan: The Retail Plan: Inventory 0 % Inventory Sales

Dealer. Línea Integral Autos Car Line Program. Autos (LIA): Línea Integral. The Wholesale Plan: The Retail Plan: Inventory 0 % Inventory Sales Automotive Sector Introduction Grupo Bancolombia is the financial partner for the Automotive Sector in Colombia and has a comprehensive portfolio designed according to your needs and those of agents that

More information

Voluntary Group Accident Insurance Program

Voluntary Group Accident Insurance Program Voluntary Group Accident Insurance Program Designed for the Eligible Retired Persons (Retirees) of LLNS BENEFIT PROGRAM SUMMARY IMPORTANT NOTICE: The Benef it Program provides ACCIDENT insurance only.

More information

Health Care Expenditure and Financing in Latin America and the Caribbean [Fact sheet]

Health Care Expenditure and Financing in Latin America and the Caribbean [Fact sheet] Health Care Expenditure and Financing in Latin America and the Caribbean [Fact sheet] December 2012 Overview of Health Expenditure and Financing Current Situation and Trends In 2011, the national or total

More information

Paragraph (9) of subdivision (a) of section 300.1 of Title 12 NYCRR is amended to read as follows:

Paragraph (9) of subdivision (a) of section 300.1 of Title 12 NYCRR is amended to read as follows: Paragraph (9) of subdivision (a) of section 300.1 of Title 12 NYCRR is amended to read as follows: (9) Prima Facie Medical Evidence means a medical report referencing an injury, which includes traumas

More information

TRAVEL ACCIDENT INSURANCE

TRAVEL ACCIDENT INSURANCE TRAVEL ACCIDENT INSURANCE SUMMARY PLAN DESCRIPTION February 2014 Travel Accident Insurance Summary Plan Description for Oak Ridge Associated Universities Principle Address: P.O. Box 117 Oak Ridge, TN 37831-0117

More information

How Much Do U.S. Multinational Corporations Pay in Foreign Income Taxes?

How Much Do U.S. Multinational Corporations Pay in Foreign Income Taxes? FISCAL FACT May. 2014 No. 432 How Much Do U.S. Multinational Corporations Pay in Foreign Income Taxes? By Kyle Pomerleau Economist Key Findings The United States worldwide system of corporate taxation

More information

International Calling Instructions

International Calling Instructions International Calling Instructions Instructions to Callers NOTE: Countries listed in RED are direct dial numbers in local language and the following steps do not apply just dial direct using the listed

More information