WIZZ AIR TRAVEL INSURANCE POLICY WORDING CYPRUS

Transcription

1 WIZZ AIR TRAVEL INSURANCE POLICY WORDING CYPRUS This document s only valid when issued with a Wizz Air certificate of insurance and provided the appropriate insurance premium has been paid. TABLE OF BENEFITS The following cover is provided for each insured person. It is important the you refer to the terms and conditions of the policy for full details of cover Section Benefit description Sum Insured up to Excess* A Trip Cancellation 4.000,00 75,00 * Excess: When claiming under certain section listed in the table above, You have to pay the first part of a claim. The excess will apply to each person claiming, and to each incident and to each section of the policy which a claim is made under. GENERAL INFORMATION ABOUT THIS INSURACE Insurance provider This insurance is underwritten by AIG Europe Limited. AIG Europe Limited is registered in England and Wales. Company number: Registered office: The AIG Building, 58 Fenchurch Street, London EC3M 4AB, United Kingdom. AIG Europe Limited is registered in the Republic of Cyprus as an oversea company. Company number: AE Registered office: 26 Esperidon street, 2001 Strovolos, Cyprus. AIG All rights reserved Your travel insurance This policy wording along with Your Certificate of Insurance and any appropriate endorsements forms the basis of Your contract of insurance with Us. Together, these documents explain what You are covered for. The policy wording details what You are covered for and what You are not covered for. The policy wording contains conditions and exclusions which you should be aware of. You must keep the terms and conditions of the insurance, otherwise any claims you make may not be paid. Please read this policy wording to make sure that the cover meets Your needs and please check the details outlined within Your Certificate and any applicable endorsements to make sure that the information shown is correct. How we use Personal Information We are committed to protecting the privacy of customers, claimants and other business contacts. Personal Information identifies and relates to you or other individuals (e.g. your dependants). By providing Personal Information you give permission for its use as described 1

2 below. If you provide Personal Information about another individual, you confirm that you are authorised to provide it for use as described below. The types of Personal Information we may collect and why - Depending on our relationship with you, Personal Information collected may include: identification and contact information, payment card and bank account, sensitive information about health or medical condition, and other Personal Information provided by you. Personal Information may be used for the following purposes: Insurance administration, e.g. communications, claims processing Decision-making on provision of insurance cover Management and audit of our business operations Prevention, detection and investigation of crime, e.g. fraud and money laundering Establishment and defence of legal rights Legal and regulatory compliance including compliance with laws outside your country of residence Marketing, market research and analysis Sharing of Personal Information - For the above purposes Personal Information may be shared with our group companies, agents, brokers and other distribution parties, insurers and reinsurers, credit reference agencies, healthcare professionals and other service providers. Personal Information will be shared with other third parties (including government authorities) if required by law. Personal information (including details of injuries) may be recorded on claims registers shared with other insurers. We may search these registers to detect and prevent fraud or to validate your claims history or that of any other person or property likely to be involved in the policy or claim. Personal Information may be shared with prospective purchasers and purchasers, and transferred upon a sale of our company or transfer of business assets. International transfer - Due to the global nature of our business Personal Information may be transferred to parties located in other countries, including the United States and other countries with different data protection laws than in your country of residence. Security and retention of Personal Information Appropriate legal and security measures are used to protect Personal Information. Our service providers are also selected carefully and required to use appropriate protective measures. Personal information will be retained for the period necessary to fulfil the purposes described above. Requests or questions - To request access or correct inaccurate Personal Information, or to request the deletion or suppression of Personal Information, or object to its use, please at cy.customer.relations@aig.com or by writing to the General Manager, AIG, P.O. Box 21745, CY-1512 Nicosia. More details about our use of Personal Information can be found in our full Privacy Policy at or you may request a copy using the contact details above. GENERAL POLICY DEFINITIONS We use certain words in this policy which have a specific meaning. They have this specific meaning wherever they appear in the in the policy and Policy schedule, and are shown in bold print. Accident: means sudden, unforeseen, uncontrollable and unexpected physical event to You caused by external, violent and visible means occurring during Your Trip. Bodily Injury: means injury to the body caused solely and directly by violent, accidental, external and visible means occurring during Your Trip. Common Carrier: means schedule airline low cost airline, cruiser or train only. 2

3 Certificate of Insurance: means the document showing details of the cover and which should be read with this policy wording. Excess shall mean the fixed amount shown to a relevant section which will be deducted from each claim payment before the policy becomes payable. The excess will apply to each person claiming, and to each incident and to each section of the policy which a claim is made under. Inclement Weather: any severe weather condition which delays the scheduled arrival or departure of a Common Carrier. Insured Person: means the person or persons shown on the Policy Schedule. Manual Labour: work involving physical labour (which does not include office and clerical work, bar and restaurant work, music performance and singing, or fruit picking which does not involve machinery). Medical Practitioner: means a registered and qualified medical practitioner or a physician licensed under any applicable law who is not You or related to - You or a person booked to accompany You on Your Trip. Natural catastrophe: means volcanic eruption, flood, tsunami, earthquake, landslide, hurricane, tornado or wildfire. Period of Insurance: means the period shown in the Certificate of Insurance. Policyholder: means the person who has paid for this policy and is shown on Certificate of Insurance Relative: shall refer to Your legal spouse, child, parent, parent-in-law, brother, sister, niece or nephew (3rd degree), auntie or uncle (2nd degree), brother-in-law, sister-in-law. Sickness: means any sickness first diagnosed during Your Trip but excluding Sickness which arises out of a condition or defect for which medical treatment was advised, sought out, or should have reasonably been sought out, or received within 12 months before the date coverage began. Travel Guard EMEA Ltd ( Travel Guard ): is a wholly owned subsidiary Of Travel Guard Worldwide Inc. operating outside of the United States. Travel Guard Worldwide Inc. is part of the AIG group of companies owned by American International Underwriters (AIU) which is, turn, part of the American International Group (AIG). Trip: Your holiday or journey starting from the time that You leave Your home in Cyprus or from the start date shown on Your Certificate of Insurance, whichever is the later, until arrival back at Your home address in Cyprus. Trip includes any Land/Sea Arrangements which include any flight connections joining or departing the Land/Sea Arrangements. A Trip does not include any additional time period between connecting flights and Land/Sea Arrangements. War: means military action, either between nations or resulting from civil War or revolution. We, Us, Our: means AIG Europe Limited. You, Your, Yourself : means an Insured person. GENERAL POLICY EXCLUSIONS General exclusions apply to all sections of this policy. In addition to these General exclusions, please also refer to Section exclusion under each policy section as this sets out further exclusions which apply to certain sections; 1. Any Pre-Existing Conditions; 2. Any act of Terrorism; 3. War, civil war, invasion, revolution or any similar event; 4. Any claim arising from civil riots, blockades, strikes or industrial action of any type (except for strikes or industrial action which were not public knowledge when You booked Your Trip or purchased this insurance, whichever is the later); 5. Any claim arising from the tour operator, airline or any other company, firm or person becoming insolvent, or being unable or unwilling to fulfil any part of their obligation to You; 6. Travel in, to, or through Afghanistan, Cuba, Libya, Iran, Sudan and Democratic Republic of Congo; 3

4 7. Liability sustained directly or indirectly by any terrorist or member of a terrorist organization, narcotics trafficker, or purveyor of nuclear, chemical or biological weapons; 8. Any claim involving You taking part in Manual Labour; 9. Loss of or damage resulting from wilful, malicious or unlawful act or negligence; 10. Being under the influence of drugs, alcohol, or other intoxicants unless prescribed by a Physician and taken as prescribed; 11. Acquired Immune Deficiency Syndrome (AIDS) and Human Immune Deficiency Virus (HIV) infection; 12. Any Sexually Transmitted Diseases (STD); 13. Any claim arising from You acting in a way which goes against the advice of a Medical practitioner; 14. Participation in any professional, or semi professional sports; 15. Any claim relating to winter sports of any kind; 16. Motor racing, rallying or vehicle racing of any kind; 17. Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or while piloting any aircraft; 18. Operating or using a two-wheeled motor vehicle as a driver or as a passenger or without the driver having the appropriate driving license or without wearing a crash helmet; 19. Any claim relating to any diagnosed psychological or physiatrist disorder anxiety or depression; 20. Any claim relating to elective cosmetic or plastic surgery; 21. Any claim arising from Your suicide or attempted suicide; or You injuring Yourself deliberately or putting Yourself in danger (unless You are trying to save a human life). HOW TO MAKE A CLAIM You must register a claim by contacting Us at: AIG Europe Limited 26, Esperidon Str Nicosia, Cyprus Phone: Fax: cy.customer.relations@aig.com Please note: All claims must be notified as soon as it is reasonably practical after the event which causes the claim. If Our position is prejudiced by the late notification of a claim then this may affect Our acceptance of a claim. Limited is open Monday to Thursday between 7:30am and 5:15pm and Friday between 7:30am and 2pm. A claim form will be sent to You as soon as You tell them about Your claim. HOW TO MAKE A COMPLAINT Every effort is made to ensure You receive a high standard of service. If You are not satisfied with the service You have received relating to all matters, please contact: 4

5 General Manager AIG Europe Limited 26, Esperidon Str Nicosia, Cyprus Phone: Fax: To help Us deal with Your complaint quickly, please quote Your claim number and/or Your policy number as shown on the Policy schedule. We will acknowledge your complaint and keep you or the complainant regularly informed about the progress of the complaint. For complaints relating to claims, it may take Us a little longer to respond, especially if We need to consult with medical professionals, however We will let You or the complainant know what information we are waiting for. In any case You always maintain Your right to have recourse to justice. GENERAL POLICY CONDITIONS 1. Age Limits All persons must be 70 years of age or under at the date of buying this policy. The main applicant must be 18 years of age or older at the date of buying this policy. 2. Duration of cover This policy provides cover for a single trip up to 30 days unless authorized and approved by Us otherwise; One-Way Trip: This provides cover for a single one-way Trip. Cover ends 24 hours after You first leave immigration control in Your final country of destination or at the end of the Period of insurance shown on Your Policy schedule, whichever is earlier. 3. Residency You and all other Insured on this policy must have Your/ Their main home in the Republic of Cyprus at the time You buy this policy. 4. Entire contract changes No change in this policy shall be valid until approved by Us and such approval is endorsed hereon. No agent has authority to change this policy or to waive any of its provisions. 5. Assignment This Policy cannot be ceded, assigned or in any way transferred to a third party. Benefits shall be payable only to You, or Your legal representative whose receipt shall discharge Us. 6. Other insurance This insurance is excess over other valid and collectible insurance. 7. Changes in Your health If after You have paid Your insurance premium You are diagnosed with a heart condition, a circulatory condition, a respiratory condition, cancer or if You receive inpatient medical treatment or if You are placed on a waiting list for investigation or medical treatment, You do not have a duty to disclose details of Your change in circumstances to Us before Your Trip. Provided You were not aware of the medical condition and You were not aware You would need to receive medical treatment or undergo investigations at the date You paid Your insurance premium, cover will continue under the existing terms of the policy. However, if You are no longer able to travel on Your forthcoming Trip due to Your change in circumstances, You would be entitled to make a claim under section D (Trip Cancellation) for Your costs which cannot be recovered from elsewhere. 8. Risk declaration: You must tell Us if You know about anything which may affect Our decision to accept Your insurance (for example, if You are planning to take part in sports or a dangerous activity while You are on holiday). If You are not sure whether to tell Us, let Us know anyway. 5

6 9. Legal actions: No legal actions for a claim can be brought against us until 60 days after we receive proof of loss. No legal action for a claim can be brought against us more than 3 years after the time for giving proof of loss. 10. Fraud: Any fraud, deliberate mis-statement or hiding of information in connection with the application for this policy or when making a claim will make this policy invalid for the Insured person who has committed the fraud, deliberate mist-statement or hid information. In this event, any benefit due to the Insured person who has committed the fraud, deliberate misstatement or hiding of information under this policy will be forfeited and any benefit that has previously been paid to them must be repaid to Us in full. We will also under such circumstances not refund any premium paid by the Insured person who has committed the fraud, deliberate mis-statement or hiding of information. 11. Geographical Limits: This policy provides worldwide except any trips to Cuba, Afghanistan, Libya, Iran, Sudan and Democratic Republic of Congo. 12. Cancellation We may cancel this Policy by sending thirty (30) days notice in writing to the Policyholder at the last address shown by records of the Company stating when thereafter such cancellation shall be effective. In event of such cancellation, We will return promptly the pro rata unearned portion of any premium actually paid by the Policyholder. Such cancellation shall be without prejudice to any claim originating prior thereto. 13. Payment of Claims: Death claims will be paid to Your estate, unless We receive a written request from You designating a named beneficiary. All other claims will be paid to You. In the event You are a minor, incompetent or otherwise unable to give a valid release for the claim, We may make arrangements to pay claims to Your legal guardian, committee or other qualified representative. Any payment made in good faith will discharge our liability to the extent of the claim. 16. Medical examination: We, at Our own expense, have the right to have You examined as often as reasonably necessary while a claim is pending. We also have the right to have an autopsy made unless prohibited by law. 17. Subrogation: You may waive in writing before a loss all rights of recovery against any person. If not waived, We may require an assignment of rights of recovery for a loss to the extent that payment is made by Us. If an assignment is sought, You must sign and deliver all related papers and cooperate with Us. 18. Governing law: This policy shall be governed by and interpreted in accordance with the laws of the Republic of Cyprus and the Courts of the Republic of Cyprus shall have exclusive jurisdiction. SECTIONS OF COVER SECTION A - Trip Cancellation We will pay up to the amount stated in the Certificate of Insurance for this benefit for: travel and accommodation expenses which You have paid or have agreed to pay under a contract and which You cannot get back; the cost of excursions, tours and activities which You have paid for and which You cannot get back; the cost of visas which You have paid for and which You cannot get back. We will provide this cover if the cancellation of Your Trip - originating from country of residence - is necessary and unavoidable as a result of the following: 1. You dying, becoming seriously ill or being injured; 2. The death, serious illness or injury of a Relative, business associate, a person who You have booked to travel with or a Relative or friend living abroad who You had planned to 6

7 stay with. The incident giving rise to the claim must have been unexpected and not something You were aware of when You purchased this insurance; 3. You or a person who You have booked to travel with being called for jury service (and Your request to postpone Your service has been rejected) or attending court as a witness (but not as an expert witness); 4. If You are a member of the armed forces or police, fire, nursing or ambulance services which results in You having to stay in the Republic of Cyprus due to an unforeseen emergency or if You are posted overseas unexpectedly; 5. If after the time You booked Your trip the Foreign and Commonwealth Office advises against all (but essential) travel to Your intended destination; 6. If You become pregnant after the date You purchased this insurance cover and Your doctor advises that You are not fit to travel due to complications in Your pregnancy; Section Exclusions: In addition to the General Policy Exclusions, this section will not cover: 1. The Excess of 75,00 which will apply for each Trip that you have booked and for each Insured Person 2. Cancelling You Trip due to a medical condition or an illness related to a medical condition which You new about it before You bought this insurance and which could reasonably be expected to lead to a claim. This also applies to You, a Relative, business associate or a person who are travelling with, and any person you were depending on the trip. 3. You not wanting to travel; 4. You being unable to travel due to Your failure to obtain the passport or visa You need for the Trip. 5. Any looses caused directly or indirectly by Common Carrier cancellation; 6. Cancellation due to Natural catastrophe. Claims evidence require when filling a claim for this section: Certificate of insurance Proof of travel cost (confirmation invoice, travel tickets, unused excursion tour or activity tickets or visas) Cancellation invoice or letter confirming whether any refund is due Official medical report from the treating doctor in the Republic of Cyprus describing the nature and extent of all injuries or sicknesses and providing a precise diagnosis Summon for jury service An official letter confirming redundancy, emergency posting overseas, the need for you to remain in the Republic of Cyprus Please note: we may request other evidence to support your claim dependent upon the circumstances 7