Friedrich Wilhelm Raiffeisen Credit Card The insurance that really takes care of you

Transcription

1 Friedrich Wilhelm Raiffeisen Credit Card The insurance that really takes care of you

2 Your new Friedrich Wilhelm Raiffeisen Credit Card offers you a wide range of insurance for your comfort while travelling both for personal or business purposes, including all belongings you use during travelling e.g. business equipment, golf equipment, personal documents etc. As a part of this service you can use also assistance sevices for your travelling that will make your preparations for your journey easier as well as solving of potential difficut moments during your journey. TRAVEL INSURANCE Travel advice Travel assistance Cancellation or Curtailment Charges Delayed Departure/Abandonment Baggage Delay and Extended Baggage Delay Emergency Medical and Other Expenses Abroad Hospital Benefit Travel Accident Personal Liability Personal Belongings Mugging Business Equipment Golf Equipment INSURANCE FOR COMFORT AND SAFETY ATM Assault Purchase Protection Best Price Protection Credit Card Fraud Insurance offerred with Friedrich Wilhelm Raiffeisen Credit Card Friedrich Wilhelm Raiffeisen is provided by the partner of MasterCard, company Inter Partner Assistance, member of group AXA Assistance. All services can be used only by Friedrich Wilhelm Raiffeisen Credit Card Holder.The scope of services and the insurance payout are described in this brochure. The complete information about insurance, conditions, requirements etc. are stated in Benefit Schedule published at Travel Insurance 1. TRAVEL ADVICE Are you confused by getting ready for a trip aroad and you would appreciate the posibility to ask a Professional for an adice? As Friedrich Wilhelm Raiffeisen Credit Card Holder you can use this service for free. Before and during your trip you can ask the service for: 2. current visa and entry requirements for all countries. If you hold a passport from a country other than the country of residence, we may need to refer you to the embassy or consulate of the country concerned 3. current vaccination requirements for all countries and information on current World Health Organisation warnings 4. customs duties and regulations 5. foreign exchange rates and value added taxes 6. referrals to Embassies or Consulates 7. weather forecasts abroad 8. specific languages spoken at the travel destination 9. time zones and time differences 2.. TRAVEL ASSISTANCE Your travelling can be now more comfortable with your new assistance services that you can use with your Friedrich Wilhelm Raiffeisen Credit Card during your journey abroad. During your trip we will: assist you with the procurement of a lawyer and/or interpreter and/or the advance of any legal or interpreter s fees if you are arrested or threatened with arrest while travelling, or are required to deal with any public authority relay messages to your close relatives, business colleagues or friends in your country of residence assist in locating your luggage lost by a common carrier and organise the dispatch of such luggage, if recovered, to your location outside of the country of residence (Costs of dispatch are not included) provide an advance of funds up to the amount shown in the Benefit Table, if your covered Friedrich Wilhelm Raiffeisen Credit Card is lost or stolen and there are no other means for you to obtain funds. All advances and delivery fees will be charged to your covered Friedrich Wilhelm Raiffeisen Credit Card account unless other accepted means of repayment to us are made in advance provide you with necessary information and assist you in obtaining replacement travel documents such as passport, entry visa or airline tickets, from the appropriate local authority if the documents required for the return journey are lost or stolen. We will not pay the charges payable for issuing new documents organise and pay for the dispatch of your replacement personál items that are essential to the continuation of your journey, such as but not limited to contact lenses and glasses (excluding any type of document, whether private or business related). This service will be provided upon the condition that either we are permitted and given access to such replacement items or, that such replacement items are delivered to our office as indicated by us to you or your representative refer you to physicians, hospitals, clinics, ambulances, private duty nurses, dentists, dental clinics, services for the disabled, ophthalmologists, pharmacies, opticians and suppliers of contact lenses and medical aid equipment organize replacement of essential prescription medication which has been lost or stolen, if it, or a local equivalent, is unavailable when you are outside the country of residence. We will bear the costs for dispatch, but all costs of obtaining the medicine will be borne by you. The transportation of medicine remains subject to the regulations imposed by airline companies or any other transportation company, as well as local and/or international law in the case of an illness or bodily injury affecting your close relative residing in the country of residence, AXA Assistance will monitor their condition and keep you informed advance bail bond (excluding deposits required to cover civil liabilities, fines or personal indemnities to be paid by you) up to the amount listed in the Benefit Table, if you are arrested or threatened with arrest while travelling. All advances and delivery fees will only be made if accepted means of repayment to us are made in advance 2

3 3. INSURANCE OF CANCELLATION OR CURTAILMENT CHARGES Do you have to cancel your trip? Your Friedrich Wilhelm Raiffeisen Credit Card will cover your costs. We will pay you, up to EUR per trip for all beneficiaries for any irrecoverable unused travel and accommodation costs and other pre-paid charges which you have paid or are contracted to pay together with any reasonable additional travel expenses incurred if; a) cancellation of the trip is necessary and unavoidable; or b) the trip is curtailed before completion; as a result of any of the following changes in circumstances, which is beyond your control, and of which you were unaware at the time you booked your trip: 1. unforeseen illness, injury or death of you or a close relative. 2. The Police requesting you to remain at or subsequently return home due to serious damage to your home or business cause by fire, aircraft, explosion, storm, flood, subsidence, malicious persons or theft. We will pay you up to EUR for rebooking fees if, due to an incident mentioned above you chose to rebook your covered holiday instead of cancellation. YOU SHOULD ALWAYS CONTACT CONCIERGE LINE BEFORE CURTAILMENT, CALL US AT: Concierge Line (+420) You can also directly contact AXA ASSISTANCE (+420) INSURANCE OF DELAYED DEPARTURE/ABANDONMENT If your journey is delayed due to strike, mechanical breakdown or other reason covered that will delay departure your scheduled transport, we will cover your costs to make your situation less uncomfortable. If departure of the scheduled public transport on which you are booked to travel is delayed at the final departure point from or to the country of residence for at least 4 hours from the scheduled time of departure due to: a) strike or industrial action or b) adverse weather conditions or c) mechanical breakdown of or a technical fault occurring in the scheduled public transport on which you are booked to travel we will pay you, either: 1. after a minimum of 4 hours delay, up to 500 EUR per trip for all beneficiaries travelling together, for reasonable meals, refreshments and additional accommodation (room only); or 2. up to EUR for any irrecoverable unused travel and accommodation costs and other pre-paid charges for all beneficiaries which you have paid or are contracted to pay if after a minimum of 24 hours delay, you choose to cancel your trip. 5. INSURANCE OF BAGGAGE DELAY AND EXTENDED BAGGAGE DELAY Now you can be sure that even in case of the baggage delay or loss you will have covered necessary equipment without additional costs. BAGGAGE DELAY We will pay you up to 500 EUR per trip for all beneficiaries travelling together, for Baggage Delay for the emergency replacement of clothing, medication and toiletries if the checked in baggage containing personal belongings is temporarily lost in transit during the outward journey and not returned to you within 4 hours of your arrival. EXTENDED BAGGAGE DELAY We will pay you up to EUR per trip for all beneficiaries travelling together, for Extended Baggage Delay if the checked in baggage has still not arrived at your destination airport within 48 hours of your arrival. 6. INSURANCE OF EMERGENCY MEDICAL AND OTHER EXPENSES ABROAD We never know in advance when we will need medical treatment for more or less serious injury. Therefore you take your Friedrich Wilhelm Raiffeisen Credit Card with you at every journey to be sure you will be covered in case you need it during your travelling. We will pay the following costs, up to the maximum limit, for each beneficiary who suffers sudden and unforeseen bodily injury or illness, or who dies during a trip outsider the country of residence: 1. All reasonable and necessary expenses which arise as a result of a medical emergency involving you. This includes medical practitioners fees, hospital expenses, medical treatment and all the costs of transporting you to the nearest suitable hospital, when deemed necessary by a recognized medical practitioner. 2. Emergency dental treatment for the immediate relief of pain and/or emergency repairs to dentures or artificial teeth solely to relieve distress in eating up to 750 EUR 3. With the prior authorisation of AXA Assistance, additional travelling costs to repatriate you to your home when recommended by our Chief Medical Officer, including the cost of a medical escort if necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless AXA Assistance agrees otherwise. 4. Up to 150 EUR per night for 10 nights for reasonable accommodation expenses incurred, up to the standard of your original booking, if it is medically necessary for you to stay beyond your scheduled return date. This includes, with the prior authorisation of AXA Assistance, up to 150 EUR per night for reasonable additional accommodation expenses for a friend or close relative to remain with you and escort you home. If you and your friend or close relative are unable to use the original return ticket, AXA Assistance will provide additional travel expenses up to the standard of your original booking to return you to your home. 5. Economy class transport and up to 150 EUR per night for 10 nights accommodation expense for a close relative from the country of residence to visit you or escort you to your home if you are travelling alone and if you are hospitalised as an in-patient for more than 10 days, with the prior authorisation of AXA Assistance. 6. Economy class transport and up to 150 EUR per night for 3 nights accommodation expenses for a friend or close relative to travel from the country of residence to escort beneficiaries under the age of 15 to your home in the country of residence if you are physically unable to take care of them. If you cannot nominate a person we will then select a competent person. If the original pre-booked return ticket(s) for the child cannot be used, we will pay for economy one way travel to return the child to the home. 3

4 7. In the event of your death the reasonable additional cost of funeral expenses abroad plus the reasonable cost of conveying your ashes to your home, or the additional costs of returning your remains to your home up to EUR. 8. For a close business associate to take your place on a prearranged business trip if in the opinion of our Chief Medical Officer, you are unable to continue working on your trip following your illness or bodily injury. 7. INSURANCE OF HOSPITAL BEENFIT To make unpleasant moment more pleasant that is why your Friedrich Wilhelm Raiffeisen Credit Card offers now Hospital Benefit to cover your costs in case of hospitalization abroad. If we accept a claim for Emergency Medical and Other Expenses Abroad, we will also reimburse you up to 75 EUR for incidental expenses (such as telephone line rental, television rental and visitor taxi journeys) for each continuous 24 hour period that you have to spend in hospital as an in-patient outside the country of residence (maximum per incident EUR). 8. TRAVEL ACCIDENT INSURANCE We will pay up to EUR, against any amount you become legally liable to pay as compensation for any claim or series of claims arising from any event occurring during a trip outside of the country of residence, in respect of accidental: 1. bodily injury, death, illness or disease to any person who is not in your employment or who is not a relative, close relative or member of your household 2. loss of or damage to property that does not belong to and is neither in the charge of or under the control of you, a relative, close relative, anyone in your employment or any member of your household other than any temporary holiday accommodation occupied (but not owned) by you 10. INSURANCE OF PERSONAL POSSESSIONS MUGGING Be safe while travelling your Friedrich Wilhelm Raiffeisen Credit Card covers your necessary personal belongings that you really need such as handbag, travelling documents and keys. If you are assaulted during a trip abroad and your personál possessions are stolen at the same time as your covered Friedrich Wilhelm Raiffeisen Credit Card we will pay up to the amount linked to each possession mentioned below (including locks associated with covered keys), maximum up to EUR per incident and year. Be ready for your journeys with travel accident insurance you get financial compensation for accidental events. If you sustain bodily injury: 1. between the home point of departure and the destination or on the return journey of a trip whilst on public transport; or 2. during your trip outside of the country of residence; which shall solely and independently of any other cause, result within one year in your death, loss of limb, loss of sight or permanent total disablement, we will pay up to one of the corresponding amounts shown in the Benefit Table below: Benefit Table All benefit amounts are per beneficiary per trip unless otherwise noted Travel Accident on Public Transport 500,000 EUR Permanent Total Disablement, Loss of Limbs, Loss of Sight, (Age < 71) 500,000 EUR Loss of Life, (Age 18 to 70) EUR 500,000 EUR Loss of Life (Under 18 or 71yrs+) 10,000 EUR All Benefits (71yrs+) EUR 10,000 EUR Personal Accident Abroad, maximum 50,000 EUR Permanent Total Disablement, Loss of Limbs, Loss of Sight, (Age < 71) 50,000 EUR Loss of Life, (Age 18 to 70) EUR 50,000 EUR Loss of Life (Under 18 or 71yrs+) 5,000 EUR All Benefits (71yrs+) EUR 5,000 EUR Groups covered per incident 3,500,000 EUR 9. PERSONAL LIABILITY INSURANCE Do not make any worries during your travelling due to your personal liability in case you make any loss to third party, your Friedrich Wilhelm Raiffeisen Credit Card is here to pay compensation. As an Assault, we understand any threat or physical violence committed by a third person (a person other than a close relative) with the dishonest intention to deprive you of your covered Friedrich Wilhelm Raiffeisen Credit Card and personal possessions. Keys The keys to your main home and vehicle in the country of residence Costs compensation up to 500 EUR Papers Your passport, ID, driving license, car documents Costs compensation up to 500 EUR Handbag/wallet Your handbag, satchel, briefcase, wallet, purse or Friedrich Wilhelm Raiffeisen Credit Card holder wallet, all purchased new by you Costs compensation up to 500 EUR Portable electronics Your mobile phone, portable communication devices, MP3/4 players and cameras carried on your person or within your handbag/wallet Costs compensation up to 100 EUR 11. BUSINESS EQUIPMENT INSURANCE Insurance for you that will ensure coverage of related costs in case your business equipment is damaged or stole during your business trip. 4

5 Under Business equipment we understand items used by you in support of your business activity including office equipment which is portable by design including, but not restricted to, personal computers, telephones and calculators, purchased new with a minimum value of 75 EUR and paid in full with your covered Friedrich Wilhelm Raiffeisen Credit Card, being less than 12 months old. 14. PURCHASE PROTECTION INSURANCE With this insurance you do not need to be worried that your newly bought good will be covered even in case of unpleasant events such as theft, fire or accident for 3 months after purchase date. We will pay you up to the amount shown below for accidental loss, theft of or damage to your business equipment while on a trip. The maximum we will pay for any single item, computer equipment or business sample is as shown in the Benefit Table below. Benefit Table All benefit amounts are per beneficiary per trip unless otherwise noted Limit per 365 day period 5,000 EUR Limit per Incident 2,500 EUR Single Item Limit 600 EUR Computer Equipment Single Item Limit 800 EUR Business Sample 500 EUR 12. GOLF EQUIPMENT INSURANCE Insurance for your golf equipment to make you be sure that you can go play anytime you want during your travel abroad. We will pay you a compensation after the theft of your own golf equipment being stolen on a trip either: 1. by a third party exerting threats or violence against you in public or at sports facility; or 2. due to a break-in at hotel, vacation rental or sports facility, The maximum we will pay for any single item is 600 EUR, the maximum for incident is EUR, the maximum for year is EUR. Under Golf equipment we understand golf clubs, golf balls, golf bag, golf trolley, and golf shoes purchased new with a minimum value of 75 EUR and paid in full with your covered Friedrich Wilhelm Raiffeisen Credit Card, being less than 12 months old. Under Theft we understand any theft committed by violence, threat of violence, assault or through break in by a third party. Insurance for your comfort and safety during shopping 13. ATM ASSAULT INSURANCE In the event of loss through theft, fire and/or accidental damage to an eligible item within 90 days of purchase, we will, at our option, replace or repair the eligible item or credit the Friedrich Wilhelm Raiffeisen Credit Card holder account an amount not exceeding the purchase price of the eligible item, to maximum amount up to EUR per incident (maximum for 365 days period is EUR). Under Eligible item we understand an item, purchased by the Friedrich Wilhelm Raiffeisen Credit Card holder solely for personal use (including gifts), which has been charged fully (100%) to the Friedrich Wilhelm Raiffeisen Credit Card holder at minimum purchase price of 100 EUR. 15.BEST PRICE PROTECTION Best price protection is checking prices for you and in case you buy a good for higher price than available in different shop, you can request a compensation of the price difference. We will refund the difference between the original price paid for an eligible item and the reduced selling price for the identical eligible item (manufacture date, make, model as well as identical accessories) found at any store, if the reduction is discovered within 30 days of purchase and equal to or higher than 50 EUR. Maximum compensation per year is EUR. Required documents: original sales receipt from the store, original of Friedrich Wilhelm Raiffeisen Credit Card receipt, original of account statement showing the transaction for the eligible item was paid in full with your covered Friedrich Wilhelm Raiffeisen Credit Card and proof of the cheaper price of the identical eligible item. The proof must include written evidence from the store verifying that the identical eligible item is on sale to the public at any store for a lower price within the country of residence (such as the entire advertisement or note from the store stating an exact price, product description and verifiable issue and expiry dates. This insurance covers you in case you withdraw money from ATM with your Friedrich Wilhelm Raiffeisen Credit Card and you were assaulted by a third party. Under Store we understand a place that you can physically enter and buy goods in the country of residence. This does not include any internet websites, mail order companies, any form of auction or market traders. We will pay up to EUR if you are assaulted and the cash that you have withdrawn from an ATM with the covered Friedrich Wilhelm Raiffeisen Credit Card and the covered Friedrich Wilhelm Raiffeisen Credit Card are taken from you within 6 hours of the withdrawal. Under Assault we understand any threat or physical violence committed by a third party (a person other than a close relative) with the intention of depriving you of your covered Friedrich Wilhelm Raiffeisen Credit Card and cash. As as Eligible Item we understand an item bearing the name or brand of the retailer or manufacturer with a minimum purchase price of 50 EUR, purchased by you solely for personal use (including gifts), which has been charged fully to your covered Friedrich Wilhelm Raiffeisen Credit Card in a single transaction from a store and is not listed as an item which is not covered. Under Claim date we understand the date you find an identical item available at a store within the country of residence. 5

6 16. FRIEDRICH WILHELM RAIFFEISEN CREDIT CARD FRAUD INSURANCE Friedrich Wilhelm Raiffeisen Credit Card fraud insurance covers you in case of misusage of your Credit Card so you do not need to be afraid of any costs that would occur with such an event. In the event of unauthorised and fraudulent use of the Friedrich Wilhelm Raiffeisen Credit Card holders lost or stolen covered Friedrich Wilhelm Raiffeisen Credit Card (for personal use only) for which the Friedrich Wilhelm Raiffeisen Credit Card holder is legally responsible and for which the bank or credit Friedrich Wilhelm Raiffeisen Credit Card company refuse to reimburse the Friedrich Wilhelm Raiffeisen Credit Card holder, we will reimburse you up to a total of 150 EUR per incident for losses which occur before a Friedrich Wilhelm Raiffeisen Credit Card holder reports the incident to Raiffeisenbank a.s.. WHAT TO DO IN CASE OF CLAIM? In case of injury, illness, loss, theft or damane, please call us immediately. Your claim will be handled by AXA Assistance, insurance partner providing services for your Friedrich Wilhelm Raiffeisen Credit Card. Concierge Line Your single point of contact for Concierge services and insurance: (+420) Concierge Line is available for Friedrich Wilhelm Raiffeisen Friedrich Wilhelm Raiffeisen Credit Card holders 24/7. Please contact us within maximum 28 days from the moment you found out about an incident or loss that you would like to make claim about. In an urgent case you can also contact directly AXA Assistance on the following phone number: (+420) What is good to know. Claims arising directly or indirectly from any pre-existing medical conditions are not covered. The benefits will not cover you when you are travelling against the advice of a medical practitioner (or would be travelling against the advice of a medical practitioner had you soubyt his/her advice). The benefits will not cover you when you are travelling with the intention of obtaining medical treatment or consultation abroad. The benefits will not cover you if you have any undiagnosed symptoms that require attention or investigation in the future (that is symptoms for which you are awaiting investigations or consultations, or awaiting results of investigations, where the underlying cause has not been established). In the event of curtailment necessitating your early return home you must contact AXA Assistance. The service is available to you and operates 24 hours a day, 365 days a year for adice and assistance with your return home. AXA Assistance will arrange transport home when you have notice of serious illness, imminent demise, or death of a close relative at home. In order to be eligible to receive benefits under this Benefit Schedule for Sections 2-15, you must charge 100% of the total cost of pre-booked transport and/or accommodation to your covered Friedrich Wilhelm Raiffeisen Credit Card. In order to be eligible to receive benefits under this benefit schedule for Sections 12-15, you will only be covered if 100% of the total cost has been charged to the covered Friedrich Wilhelm Raiffeisen Credit Card. You are covered worldwide for trips of 90 consecutive days. The cover is limited to a total of 183 days in any 12 month period. Trips must begin and end in the country of residence. Any trip solely within the country of residence is only covered where you have pre - booked at least two nights accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee. Further information about claim processing: 1. This brochure does not cover complete Terms and Conditions of insurance provided to your Friedrich Wilhelm Raiffeisen Credit Card. The complete Terms and Conditions are published at Please check the document to learn about details regarding each insurance coverage and limits, requirements, conditions, documents and necessary steps that has to be done to process your claim. 2. Please read carefully relevant part of this brochure and Terms and Conditions before you make your claim to be sure your situation is included in the insurance. Please pay attention to Special Conditions and description of what is covered and what is excluded from insurance. 3. You need to supply all of your original invoices, receipts and reports etc. You should check the section under which you are claiming for any specific conditions and details of any supporting evidence that you must give us.it is always advisable to keep copies of all the documents that you send to us. 4. To help us agree a quick and fair settlement of a claim, it may sometimes be necessary for us to appoint a claims handling agent. 6