Visa Platinum. Travel Accident Insurance When Using Means of Transportation

Transcription

1 Travel Accident Insurance When Using Means of Transportation

2 2 Table of Contents Section A. Introduction A.1. About this Guide A.2. Visa Platinum A.3. Definitions of the Benefits Described in this Guide A.4. General Provisions of the Program Section B. Travel Accident Insurance when using Means of Transportation B.1. General Aspects B.2. Travel Accident Insurance when using Means of Transportation General Exclusions to Benefits in Section B

3 3 Section A. Introduction A.1 About this Guide This document is intended to be used as a guide for quick reference on the Travel Accident Insurance when using Means of Transportation offered to the Visa Platinum Cardholders and their beneficiaries, as defined below. Here, the cardholder will find information on Travel Accident Insurance when using Means of Transportation and coverage offered. The full version of the insurance policy (SUSEP Process No ), executed between Visa International Service Association ( Visa ) and AIG Seguros Brasil S/A, CNPJ/MF No / (SUSEP codes No /00 International Travel, /00 In-Country Travel). Visa acts as merely the policyholder in the insurance agreement and acts before AIG Seguros Brasil S/A on behalf of the insureds, having no obligation to make any payments in their favor. The registration of the insurance policy referred to in this guide with SUSEP does not imply, by the local authority, inducement or recommendation to its commercialization. Enjoy reading and refer to this guide whenever you have any doubts about the Travel Accident Insurance when using Means of Transportation offered by your Visa Platinum Card. Below you will find some information about this product. If you want information about other benefits provided by Visa Platinum Card, visit the page

4 4 A.2. Visa Platinum Visa Platinum is an exclusive card, developed for special customers. It is intended for affluent consumers who are frequently travelling abroad and require the full availability of services, insurance and credit. Visa Platinum offers many important travel benefits. The Visa Platinum Card is accepted in more than 30 million merchants, in 150 countries and territories, and can be used to withdraw cash in local currency in more than one million ATMs. For more information on the benefits provided by your Visa Platinum Card, please access or contact by phone the following numbers through toll free: (Brazil), (USA and Canada) 1, or collect calls: (other countries) 1e2. 1 For calls made by mobile phone, all roaming charges are user responsibility. 2 Collect call through an international operator. A.3. Definitions of the Benefits described in this Guide* (* = specific restrictions may apply. Please refer to the specific section of the benefit in question) BENEFICIARIES: The Visa Platinum CARDHOLDER, his/her spouse and children considered ECONOMICALLY DEPENDENT, minor of 23 years of age, subject to the provisions of applicable laws. CUSTOMER SERVICE: Communication channel and available facilities (equipment, systems and staff) which purpose is to make the interface between Visa and customers. It can be accessed through the following telephone numbers: (Brazil), (USA and Canada) 1, or collect calls: (other countries) 1e2. 1 For calls made by mobile phone, all roaming charges are user responsibility. 2 Collect call through an international operator. INSURANCE COMPANY: AIG Seguros Brasil S/A, CNPJ/MF No / INSURED: An active CARDHOLDER, his/her spouse and unmarried dependent children under age 23, under the benefits provided for in Section B. SPOUSE: person related to the CARDHOLDER by marriage or common-law marriage (união estável), under the applicable laws in force.

5 5 ECONOMIC DEPENDENTS: CARDHOLDER s single children and under 23 years old who cumulatively: (a) reside with the CARDHOLDER or are under his/her responsibility; and (b) are financially supported by the CARDHOLDER. This definition includes the CARDHOLDER s stepchildren. DISMEMBERMENT: loss of members of the body, as well as of sight, speech or hearing. TRANSPORTATION COMPANY: company that operates a MEANS OF TRANSPORTATION, including an AIRLINE COMPANY. AIRLINE COMPANY: company listed in the Official Airline Guide (OAG) or in the ABC World Airways guide and that has a license, certificate or similar authorization for the regular air transportation issued by the competente authorities of the country in which the aircraft is registered and, in accordance with such authorization, maintains and publishes flight schedules and service fees to passengers for flights between airports at regular and specific schedules. CLAIM FORM: document to be supplied by CUSTOMER SERVICE, upon notification of an incident or request for benefit, which must be filled out and returned together with the required documents within the deadlines for each of the benefits presented. MEANS OF TRANSPORTATION: any means of transport operated by a TRANSPORTATION COMPANY under a valid license for paid transportation of passengers, including: AIR: aircraft operated by an AIRLINE COMPANY, duly authorized by the competent authorities to operate regular scheduled flights; LAND AND SEA: all those included in this definition, WITH THE EXCLUSION OF (i) rental vehicles, except those that have been rented by a TRANSPORTATION COMPANY for paid transportation of passengers; (ii) taxis, (iii) car rental companies transfers, hotels or parking outside the boundaries of the airport;

6 6 TRANSFERS used immediately before boarding or after disembarking from an aircraft operated by an AIRLINE COMPANY, provided that they are connected to the COVERED TRIP; and TRANSFERS included in the COVERED TRIP. CARDHOLDER: individual who holds an active and valid Visa Platinum Card, issued in its name in Brazil, as holder or additional holder. COVERED TRIP: an itinerary, in any part of the world, including the Insured's country of residence, regardless of origin or destination,which must satisfy any of the following characteristics: full amount of the tickets were paid with a valid Visa Platinum Card; or the tickets were purchased by redeeming points from a loyalty program, provided that the boarding fee and possible taxes due have been paid with a Visa Platinum Card; or if no boarding fee or taxes are levied, just the tickets purchased through redemption of points obtained upon utilization of the Visa Platinum Card. A.4. GENERAL PROVISIONS OF THE PROGRAM HOW DO I SUBMIT A REQUEST? The CARDHOLDER, the one designated by the CARDHOLDER or the CARDHOLDER s representative, as applicable, should contact the CUSTOMER SERVICE immediately but, in any case, within the time limit established for each of the benefits provided, even if not yet in possession of the documents that will support the CLAIM FORM. Delayed communication may result in the loss of benefit. The CUSTOMER SERVICE s operator will answer any of the CARDHOLDER s questions and send a CLAIM FORM. Upon receiving the CLAIM FORM, the CARDHOLDER, the one designated by the CARDHOLDER or the CARDHOLDER s representative, as applicable, must fill out the form and return it along with the required documentation required for each offered benefit. These documents must be submitted up to 90 days (depending on the program) from the initial contact with the CUSTOMER SERVICE to the addresses below: Claims Administrator: Visa Card Benefits Administration (VCBA) Maipú 255- Piso 17 C1084 ABE, Buenos Aires, Argentina

7 7 LOSS OF BENEFITS The INSUREDS shall use their best efforts to avoid or reduce any loss or damage to the insured property under this program. INSUREDS/BENEFICIARIES will lose their right to the benefits and payment of any compensation under the terms of this program if they make any claim they know to be false or fraudulent in any respect. CONVERTING AMOUNTS INTO FOREIGN CURRENCY The foreign currency amounts mentioned in this guide will be converted into Brazilian reais based on foreign currency s sale rate (PTAX 800) published by the Central Bank of Brazil at the day the credit card cycle is closed for the month after the incident occur and is reflect in the Account statement. In the event this information is not available, the FX rate to be used will be the one from the day before the payment of the claim.

8 8 Section B. Travel Accident Insurance When using Means of Transportation This guide contains a summary of the insurance policy executed between Visa and the INSURANCE COMPANY with respect to the insurance coverage offered to CARDHOLDERS. B.1. General Aspects In case of discrepancies between this guide and the policy, the provisions established in the accepted policy and in full force in the jurisdiction in which your Visa Platinum Card was issued will always prevail. In Brazil, the insurance coverage is offered by AIG Seguros Brasil S/A. Should VISA cancel or refuse to renew any of the insurance coverage offered to CARDHOLDERS, the financial institution that issued the Visa Platinum Card will notify the CARDHOLDERS at least 60 days in advance. Should the INSURANCE COMPANY not renew or cancel any of the coverage provided, CARDHOLDERS will be notified at least 60 days before the expiration of the policy. In the event that a substantially similar coverage comes into force, with no interruptions whatsoever, the notification will not be required. When applicable, the INSURANCE COMPANY will reimburse the INSURED directly, once the process has been completed. No payment will be made until CUSTOMER SERVICE has received all required documentation. If a payment is made, the INSURANCE COMPANY will have the right to be reimbursed for the amounts paid to other parties or persons. Any party or person to whom the INSURANCE COMPANY has made a payment must transfer to it of its/his/her rights to credit that said party or person might have against any other party or person in connection with the portion of the compensation paid by the INSURANCE COMPANY. Said party or person must make all necessary efforts to preserve these rights and refrain from performing any act that may harm them.

9 9 B.2. Travel Accident Insurance When using Means of Transportation Introduction WE RECOMMEND THAT YOU READ SECTION A. INTRODUCTION

10 10 Accidental loss of thumb and index finger on the same hand 25% TO BE UNDERSTOOD AS: Loss of Hand or Foot: depending on the case, loss of limbs beyond the wrist or below the knee; Loss of Sight: total and irreparable loss of vision; Loss of Thumb and Index Finger: loss of limbs beyond the joints at the palm of a hand; and Loss of Speech or Hearing: total and irreparable loss of speech or hearing in both ears. Should the INSURED suffer multiple injuries as a result of a single accident, the CARDHOLDER AND/OR BENEFICIARY/IES will receive the greatest individual benefit applicable. The benefit for the death of the INSURED will be paid to the first surviving BENEFICIARY, as follows: Spouse or, if none; Children, in equal shares or, if none; Parents, in equal shares or, if none; Siblings, in equal shares of, if none; or Executor or trustee appointed by the local courts. In the event of injuries resulting from the fact that the INSURED has inevitably been exposed to the accident, benefits will be paid as if they resulted from the injury. The injury must occur within 365 days following the accident. Except for cases in which the INSURED is declared presumably dead by a court of law, the INSURANCE COMPANY will only pay the death benefit if the INSUREDbody fails to be located within one year following the forced landing, shipwreck, sinking or destruction of the MEANS OF TRANSPORTATION in which the INSURED was carried as a passenger, at which time his/her death will be recognized. THIS INSURANCE DOES NOT COVER LOSSES CAUSED BY: EMOTIONAL TRAUMA, PHYSICAL OR MENTAL ILLNESS, PREGNANCY, CHILDBIRTH OR MISCARRIAGE, BACTERIAL OR VIRAL INFECTION (OTHER THAN BACTERIAL INFECTION CAUSED BY ACCIDENT OR BY ACCIDENTAL INGESTION OF A SUBSTANCE CONTAMINATED BY BACTERIA) OR ANY OTHER PHYSIOLOGICAL DYSFUNCTION OF THE INSURED; SUICIDE, ATTEMPTED SUICIDE OR SELF-INFLICTED INJURIES; WAR, DECLARED OR NOT, EXCLUDING GUERRILLA ACTIONS; and

11 11 INJURIES SUFFERED BY THE INSURED WHILE TRAVELING BY TAXI OR WHILE ENTERING OR EXITING SAID VEHICLE. This is a summary of the insurance policy. For more information on the insurance policy agreement executed between Visa and the INSURANCE COMPANY, including the definitions and exclusions applicable to this benefit and procedure for submitting a claim, please see the Introduction section of this guide. This insurance is effective from July 1, 1997, from the date on which the issuer of your card contracted this coverage or from the date on which your card was issued, whichever occurred last, and will terminate on the expiration date of the policy or on the date on which you cease to be a HOLDER of this CARD, whichever comes first. Benefit Amount of benefit Visa Platinum US$ 500,000 The CARDHOLDER, the one designated by the CARDHOLDER or the CARDHOLDER s representative, as applicable, must contact the CUSTOMER SERVICE immediately after (i) the INSURED s date of DISMEMBERMENT or death, (ii) the date on which the INSURED was declared presumably dead by a court of law, or (iii) one year elapsed without having located the INSURED s body, as applicable. Delayed communication may result in the loss of the benefit.

12 12 General Exclusions to Benefits in Section B. 1. INTENTIONALLY SELF-INFLICTED INJURIES; 2. SUICIDE OR ATTEMPTED SUICIDE IN A SANE MENTAL STATE: 3. DISEASES, UNLESS OTHERWISE PROVIDED FOR IN THE INSURANCE POLICIES; 4. BACTERIAL INFECTIONS, EXCEPT FOR BACTERIAL INFECTIONS IN INJURIES OR IF DEATH IS RESULTED BY ACCIDENTAL INGESTION OF A SUBSTANCE CONTAMINATED BY BACTERIA; 5. DAMAGES ARISING OUT OF ACTS OF WAR, DECLARED OR NOT; 6. ACCIDENTS THAT OCCURRED WHILE A PASSENGER IS (I) OPERATING, LEARNING HOW TO OPERATE, OR SERVING AS A CREW MEMBER OF AN AIRCRAFT; 7. DAMAGES IN WHICH ONE OF THE CONCURRENT CAUSES HAS BEEN THE PRACTICE OF, OR ATTEMPT TO PRACTICE, AN ILLEGAL ACT ON BEHALF OF AN INSURED; 8. PARTICIPATION IN ANY CONTACT SPORT OR TEAM PROFESSIONAL, SEMI- PROFESSIONAL OR COLLEGE SPORT; 9. PARTICIPATION IN EXTREME SPORTS, AS WELL UNDERSTOOD BY SPEED COMPETITIONS WHERE THEY USE MOTOR VEHICLES OR BIKES, PARACHUTING, SKYDIVING, HANG GLIDING, BUNGEE JUMPING, SKI, SCUBA DIVING, CLIMBING, SPELUNKING, OR MOTORCYCLE RACING ABOVE 100CC S; 10. DAMAGES OCCURRED WHILE THE INSURED WAS SERVING IN THE ARMY, NAVY OR AIR FORCE, IN ANY COUNTRY; 11. DAMAGES WHEN UNDER THE INFLUENCE OF DRUGS, ALCOHOL OR OTHER DRUGS, EXCEPT AS PRESCRIBED BY A QUALIFIED PROFESSIONAL AND TAKEN TO TREAT DRUG ADDICTIONS, AS INDICATED IN THE MEDICAL PRESCRIPTIONS; 12. DEPRESSION, ANXIETY, MENTAL OR NERVOUS DISORDERS OR TREATMENTS KNOWN AS "REST CURES"; 13. PREGNANCY AND PREGNANCY-RELATED CONDITIONS, INCLUDING FERTILITY TREATMENT OR OTHER MEDICAL ISSUES RELATED TO A WOMAN S INABILITY TO CONCEIVE; 14. INSURED TRAVELING AGAINST A PHYSICIAN S RECOMMENDATIONS; 15. ANY INJURY, ILLNESS, DEATH, LOSS OR EXPENSE, DIRECTLY OR INDIRECTLY ATTRIBUTABLE TO THE HIV VIRUS AND/OR HIV-RELATED CONDITIONS, INCLUDING AIDS AND/OR ANY MUTATIONS OR VARIATIONS THEREOF OR SOMEHOW CAUSED BY IT; 16. ANY EXPENSES COVERED BY POLICIES AND INSURANCE POLICIES RELATED TO WORKERS COMPENSATION OR EMPLOYEE RISKS. 17. ELECTIVE PLASTIC AND COSMETIC SURGERY, EXCEPT WHEN MEDICALLY REQUIRED AS THE RESULT OF DAMAGES; 18. ANY DAMAGE RESULTING IN A HERNIA; 19. ANY PRE-EXISTING CONDITION.