Travel Accident Insurance Basic Benefits

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1 Travel Accident Insurance Basic Benefits Visa cardholders, their spouses and dependant children** under 23 years of age, and VISA CTA users with this benefit will be automatically covered worldwide against accidental bodily injuries, which are the sole cause of loss of life or dismemberment while traveling, boarding or descending from an aircraft operated by a scheduled airline* licensed to carry passengers for hire on a regularly scheduled flight, or a maritime or land conveyance operated by a licensed common carrier duly authorized to transport passengers, provided the full travel fare has been paid with the cardholder s valid Visa card or Visa CTA. Cardholders and CTA users are also entitled to this coverage when using a means of transportation, such as bus, authorized to transport passengers from the commercial carrier s plane, if this is included in the ticket price or if the airport provides that type of transportation within its facilities. All frequent flyer, rewards and complimentary common carrier tickets are covered if there are taxes and/or fees associated with the ticket issuance and they are charged in their entirety to an eligible Visa card. If there are no taxes or fees, or they are paid with rewards points, only tickets earned as direct result of charges made with an eligible Visa Card will be covered. The bank will have to send a letter to guarantee that the points acquired in the loyalty were generated by the use of the Visa card covered by the insurance. The Visa TravelMoney Platinum Prepaid card does not include this coverage. If body injuries cause death or dismemberment, including loss of sight, speech and hearing, benefits will be paid as described below: 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 to cardholders it does so at its own risk. **For dependant children, the benefit amount is subject to local regulations. 1

2 Travel Accident InsurANCE Basic Benefits Loss Accidental loss of life 100% Loss of both hands or both feet, or the sight of both eyes, or speech and hearing in both ears, or one hand and one foot, or either hand or foot, and sight of one eye Accidental loss of one hand or one foot, or the sight of one eye, or speech or hearing in both ears Accidental loss of index finger and thumb on same hand Percentage of Benefit Payable 100% 50% 25% If the Insured has multiple losses as the result of one accident, the Company will pay the single largest benefit amount applicable. The death benefit will be paid to the beneficiary designated by the Insured, or if there is no such designation, to the first surviving beneficiary scheduled on the policy, as follows: Spouse, or, if none, Children, in equal shares, or, if none, Parents, in equal shares, or, if none, Siblings, in equal shares, or, if none, Executor or administrator appointed by local courts For losses resulting from the Insured person being unavoidably exposed to the elements due to an accident, the benefits will be payable as if resulting from an Injury. Loss must occur within 365 days of the accident. The Company will pay the benefit for loss of life if the body of an Insured Person cannot be located within one year after the forced landing, stranding, sinking or wrecking of a conveyance in which such person was a passenger, then it shall have suffered loss of life within the meaning of the policy This insurance does not cover losses caused by 1. Insured emotional trauma, mental or physical illness, pregnancy, childbirth or abortion, bacterial or viral infection (except for bacterial infection caused by the accident or by the accidental consumption of a bacteria-contaminated substance, or any physiological dysfunction; 2. Suicide, suicide attempt or self-inflicted wounds; 3. War, whether declared or not. War does not include guerilla acts; 4. Wounds suffered by the insured while traveling in a taxi, or getting in or out of it. This is a summary of the exclusions. Complete exclusions are contained in the policy on file with Visa International. All coverage described herein is subject to change or cancellation without notice. This insurance is effective the later of July 1, 1997, the date your card issuer elected this coverage, or the date of issuance of your card and will cease on the date the policy is terminated. This description of coverage is not a contract of insurance and is intended to be a general informative statement of the coverage made available by Visa International throughout Latin America and Caribbean Region. In some instances, according to the provisions of the locally admitted policy issued in the jurisdiction where your international Visa card has been issued, the US Dollar benefit amounts shown will be converted to equivalent local currency and certain details of coverage may differ from what is outlined in this document. Complete provisions pertaining to this plan of insurance are contained in the policy on file with Visa International, Latin America and Caribbean Region, Miami, Florida. If a statement in the description of coverage and any provision in the policy differ, the locally admitted policy issued in the jurisdiction where your international Visa card has been issued will govern. * Scheduled Airline means an airline listed in the Official Airline Guide or ABC World Airways Guide where the air carrier holds a certificate, license, or similar authorization for scheduled air transportation issued by the relevant authorities of the country in which the aircraft is registered, and in accordance with such authorization, maintains and publishes schedules and tariffs for passenger service between named airports at regular and specific times. The Plan is underwritten by: Country Argentina Bolivia Brasil Chile Colombia Ecuador El Salvador Guatemala Honduras Jamaica México Panamá Paraguay Perú Puerto Rico Uruguay Venezuela Other countries Company La Meridional Compañía Argentina de Seguros, S.A. Chartis Seguros Brasil S.A. Chartis Seguros Colombia S.A. AIG Metropolitana Compañía de Seguros y Reaseguros S.A. Chartis Seguros El Salvador S.A. Chartis Seguros Guatemala S.A. American Home Assurance Company American Home Assurance Company Chartis Seguros Mexico, S.A. de C.V. National Union Fire Insurance Company of Pittsburg, PA Chartis Insurance Company Puerto Rico Chartis Seguros Uruguay S.A. C.A. de Seguros American International New Hampshire Insurance Company Listed underwriting companies (except those marked with *) are member companies of Chartis Inc., 70 Pine Street, New York, NY Chartis member companies provide security in the form of reinsurance for any non-member company listed. If you have question regarding this program, contact the Visa Assistance Center. 2

3 Travel Accident InsurANCE Basic Benefits If you wish to file a claim, please send the completed form with the required documentation to the Benefit Administrator to the following address: Chartis Inc. c/o AXA Assistance Maipú 255 Piso 17 C1084ABE, Buenos Aires, Argentina If you have questions regarding this program, contact the Claims Administrator, 24 hours a day, 365 days a year at benefits@ap-visa.com or call the customer service telephone number on the back of your Visa card. Beneficiaries should give notice of the loss within 90 days, or as soon as reasonably possible. Upon receipt of complete and acceptable proof of loss for a valid claim, the Company will send payment to the insured within ten (10) business days. Consumer Cards Benefit Amount Visa Classic USD 75,000 Visa Gold USD 250,000 VISA Platinum USD 500,000 VTM Platinum Prepaid USD 500,000 Visa Signature USD 1,000,000 Visa Infinite USD 1,500,000 Commercial Cards Benefit Amount Visa Business Credit ** USD 250,000 Visa Business Debit ** USD 250,000 Visa Corporate USD 250,000 Visa Purchasing * USD 250,000 Visa CTA USD 100,000 Visa CTA USD 250,000 *Applicable only for those Purchasing Cards used for Travel Expenses **Applicable only for Visa Business Credit Packages 3 & 4 3

4 Auto Rental Insurance Basic Benefits Visa cardholders with this benefit may obtain the Auto Rental Insurance, if this coverage is provided by the card issuer, at no additional cost each time they rent an automobile using their Visa card. The cardholder must decline the Collision Damage Waiver (CDW/LDW) or similar coverage offered by the auto rental company. Coverage is offered by Chartis Inc. Eligibility To be eligible for this insurance coverage the cardholder must: Use the Visa card providing this coverage to reserve and pay for the entire cost of the auto rental. All drivers authorized to operate the rental vehicle in accordance with the rental car agreement are covered. The cardholder must use his Visa card to initiate and complete the auto rental transaction. No person other than the cardholder or other authorized drivers shall have any legal or equitable right, remedy, or claims of insurance proceeds and/or damages under or arising out of this coverage. If the cardholder is unable to decline the auto rental company coverage, the coverage will be secondary to the auto rental company coverage and will be responsible for any gap between the auto rental company coverage and the damages for which the cardholder is responsible. Coverage The Chartis Auto Rental Insurance covers Visa cardholders up to the actual cash value of the vehicle, the cost of repairs or replacement value of the rental vehicle while said vehicle is in the cardholder s possession. The following specific costs are included in the policy: Damage due to collision. Theft of vehicle and related charges. 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 to cardholders it does so at its own risk. 1

5 AUTO RENTAL INSURANCE BASIC BENEFITS Malicious vandalism charges. Loss due to accidental fire as long as the liability rests with the cardholder. The following specific costs are not included in the policy [this is a summary of the exclusions; complete exclusions are contained in the policy on file with Visa International]. Any obligation assumed by the cardholder under other agreements. Injury to any person or damage to any object that is inside or outside the rental vehicle. Loss or theft of personal belongings. Personal Liability. Expenses assumed, waived or paid by the auto rental company or its insurer. The cost of the insurance coverage purchased through the auto rental company. The operation and care of the vehicle contrary to the terms of the auto rental contract. Losses resulting from intentional acts, or losses arising from admission of guilt, being prosecuted or found guilty by a court of law of being under the influence of drugs or intoxicating substances, or as a result of illegal activities or smuggling. Gradual wear and tear due to normal use or mechanical problems. Losses arising from any type of hostility (including war, invasion, rebellion or insurrection). Confiscation by the authorities. Vehicles that do not fit the definition of covered vehicles. For rental agreements in excess of 31 days there is no coverage after the 31st day. Leases and mini-leases. What happens if the auto rental company insists that the cardholder buy its insurance? The cardholder must ask the auto rental company representative to call the Claims Administrator toll free at the number assigned to the country, or collect from any country in the world. The Claims Administrator can provide a confirmation of coverage. The cardholder can also obtain a certificate of coverage from the issuer prior to travel. Where and when is coverage effective? This insurance is effective when the Visa cardholder rents a covered vehicle and the Visa card issuer provides the coverage. This coverage is available 24 hours a day and will remain in effect while the vehicle is in the possession of any of the drivers named in the contract. The coverage will cease as soon as the rental car is returned to the Auto Rental Company. Vehicles rented for rental periods of more than 31 days are not covered after the 31st day. What type of insurance coverage is provided? This coverage is primary coverage. If the cardholder is unable to decline the auto rental company coverage, the coverage will be secondary to the auto rental company coverage and will be responsible for any gap between the auto rental company coverage and the damages for which the cardholder is responsible. Which vehicles are covered? Most cars are covered, including: Some luxury cars such as BMW and Mercedes Benz. Some minivans designed to transport a maximum of ten passengers, including the driver, and used exclusively to transport passengers, such as the Dodge Caravan, Plymouth Voyager and Chevrolet Lumina. Jeeps (4 x 4) provided they are not driven outside the government maintained roads. Some examples of the latter are Jeep Renegade and Suzuki Samurai. If the cardholder has any question regarding a specific vehicle, he or she should call the Claims Administrator. Rental cars not covered Rental cars that are not covered include: Expensive and exotic cars such as Aston-Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche and Rolls-Royce. Very old automobiles (over 20 years old, or which were not manufactured in the last 10 years). Trucks, pick-up trucks for commercial use, motorcycles, mopeds, motor bikes, limousines and recreational vehicles. Are auto rental reservations arranged through the VISA Rewards Program covered? Yes, as long as a valid and verifiable Rental Car Agreement has been issued to the cardholder, and the entire transaction is charged to the cardholder s eligible Visa card to pay for taxes and any other additional fees. The Visa TravelMoney Platinum Prepaid card does not include this coverage. What should the cardholder do in the event of accident or theft? If a Visa cardholder is involved in an accident or the rental vehicle is stolen, he or she should call the Claims Administrator immediately. A representative will answer any questions the cardholder or the auto rental company representative may have, and will send the cardholder a claim form. The auto rental company might require the cardholder to pay for damages with his Visa card. If this happens, the insurance company will reimburse the cardholder directly for the covered amount after the claim is processed. The cardholder is required within 30 days after the accident or theft to notify the Claims Administrator via telephone call. A toll free number or worldwide collect number is available. Not doing so might result in denial of the claim. What does the cardholder need from the auto rental company in order to submit a claim? As soon as the accident occurs or the cardholder returns the rental vehicle, he or she must request the following from the auto rental company: A copy of the Accident Report and a completed claim form indicating the costs for which the cardholder is liable. A copy of the initial and final auto rental agreement (front and back). A copy of the repair estimate and final repair invoice. If available, two photographs of the vehicle showing damages. For claims including loss of use charges by the auto rental company, a copy of the Daily Utilization Record for the loss period, if available. 2

6 AUTO RENTAL INSURANCE BASIC BENEFITS A copy of the Police Report (if any). How is the claim submitted? The cardholder must notify the incident to the Claims Administrator no later than 30 days following the accident or theft. The cardholder within the time frame stated on the claim form, must fill out and sign the claim form and submit it accompanied by: A copy of the sales receipt showing that the full auto rental was reserved and paid with the cardholder s Visa card providing this coverage. All documentation the cardholder receives from the auto rental company (see the list above under What does the cardholder need from the auto rental company in order to submit a claim? section ) must be sent within the time frame stated on the claim form to: Claims Administrator VLAC Auto Rental Insurance Program Maipú 255 Piso 17 C1084ABE, Buenos Aires, Argentina After the cardholder reports the damage or theft, the claim will remain open during a period of 12 months following the date of loss. During that period, the cardholder must support the claim as required. No payment will be made until the Claims Administrator has received all necessary documentation at its offices. What else should the cardholder do? In normal circumstances, the claim will be paid within a period of 15 days from the date the Claims Administrator receives all required documentation. However, as soon as the claim is paid, all rights against any person in connection with the damage or theft will be transferred to the Insurance Provider. This means that the Insurance Provider will have the right to file suit on its own in the cardholder s name. The cardholder will assist the Insurance Provider in any way, as reasonably requested by the Insurance Provider, in order to help the Insurance Provider enforce any rights or recourse the Insurance Provider may have, including the execution of all documents required by the Insurance Provider to file suit in the cardholder s name. General Program Provisions The cardholder will do his or her best to avoid or reduce any losses or damages to the property insured under this program. Please keep in mind that the Insurance Provider will not apply this provision unreasonably to avoid a claim. If the cardholder makes any claim knowing it to be false or fraudulent in any respect, he or she will no longer be entitled to the benefits of this protection, nor to the payment of any claim made under this policy. This insurance is subject to the terms and conditions described and includes certain restrictions, limitations and exclusions. This description of coverage is not a contract of insurance and is intended to be a general informative statement of the coverage made available by Visa International throughout the Latin America and Caribbean Region. In the event of any discrepancy between the policy and the description of the program, the policy will govern. This policy is on file at the offices of Visa International, Latin America and Caribbean Region. If a cardholder needs to submit a claim or has any question regarding this program, the cardholder should call the Assistance Center at the toll free number assigned to his country. The Assistance Center operates 24 hours a day, 365 days a year. We are empowered to cancel or decline renewal of any Visa cardholder s insurance coverage. If we do so, the card issuer will give cardholders at least 60 days advance notice. If the Insurance Company does not renew or cancels any coverage provided to Visa cardholders, cardholders will be notified at least 60 days prior to the date the policy expires. In the event a substantially similar coverage becomes effective without interruption, said notice will not be required. The Auto Rental Insurance will continue to apply to rentals that were effective prior to the date of cancellation or nonrenewal, provided all other terms and conditions of coverage are met. Complete provisions pertaining to this plan of insurance are contained in the policy on file with Visa International, Latin America and Caribbean Region. If a statement in the description of coverage and any provision in the policy differ, the locally admitted policy issued in the jurisdiction where your Visa card has been issued will govern. The Plan is underwritten by: Country Argentina Bolivia Brasil Chile Colombia Ecuador El Salvador Guatemala Honduras Jamaica México Panamá Paraguay Perú Puerto Rico Uruguay Venezuela Other countries Company La Meridional Compañía Argentina de Seguros, S.A. Chartis Seguros Brasil S.A. Chartis Seguros Colombia S.A. AIG Metropolitana Compañía de Seguros y Reaseguros S.A. Chartis Seguros El Salvador S.A. Chartis Seguros Guatemala S.A. American Home Assurance Company American Home Assurance Company Chartis Seguros Mexico, S.A. de C.V. National Union Fire Insurance Company of Pittsburg, PA Chartis Insurance Company Puerto Rico Chartis Seguros Uruguay S.A. C.A. de Seguros American International New Hampshire Insurance Company Listed underwriting companies (except those marked with +) are member companies of Chartis, Inc., 70 Pine Street, New York, NY Chartis member companies provide security in the form of reinsurance for any non-member company listed. If you need to submit a claim or have questions regarding this program, contact the Claims Administrator, 24 hours a day, 365 days a year at benefits@ap-visa.com or call the customer service telephone number on the back of your Visa card. 3

7 AUTO RENTAL INSURANCE BASIC BENEFITS Consumer Cards Visa Classic***** Visa Gold Visa Platinum VTM Platinum Prepaid Visa Signature Visa Infinite Coverage Area US & Canada Americas & Caribbean Commercial Cards Visa Business Credit**** Visa Business Debit Visa Purchasing*** Visa Corporate Coverage Area **Coverage includes country of card issuance, only if allowed by local regulations *** Optional Coverage, not a core benefit **** Applicable only for Visa Business Credit packages 3 and 4. ***** Optional Coverage, not a core benefit. Coverage is limited to Canada and the 50 states of the United States of America. Rentals in the U.S. Virgin Islands and Puerto Rico are not covered. PLEASE NOTE: The benefits described above do not apply to all Latin American and Caribbean International Visa Cards. Please check with your bank to verify that the coverage applies to your Visa Card. 4

8 Visa Concierge The Visa Concierge service is available 24 hours per day, 365 days per year, to help Cardholders to send gifts, purchase tickets and tours, rent vehicles, make reservations for theatre plays or provide any other information or assistance that Cardholders may need, anywhere in the world. 1

9 Visa CONCIERGE Eligibility: In order to be eligible for the services and benefits described below, you must be a Visa Cardholder. We encourage you to review the benefits of you Visa Card with your bank for further details. The Visa Concierge Service can assist Visa Cardholders with the following requests: Travel Information and Arrangements: Visa Concierge can help you plan your trip from start to finish with anything related to travel such as airport transfers, hotel reservations and booking, city tours, auto rental, etc. as well as make recommendations to your itinerary and help you figure out your best travel options. Cultural Information. Provides information on local city events and attractions such as concerts, theater and sporting events overseas. Also provides information on your destination prior to travel including essential cultural information such as protocol and etiquette. Restaurant Referrals and Reservations. Access to a broad network of distinctive dining restaurants domestically or while traveling overseas. If you are looking for that special restaurant with a panoramic view for a unique dining experience, we can refer you to the proper facility and assist with reservations when available. We will assist Cardholders with information on restaurants such as location, type of cuisine, hours of operation, attire required, pricing range, general menu options, etc. Entertainment information and arrangements. Assist with Ticket referrals for opera, ballet, theater, concerts, sporting events and museums. If information is not enough, we can assist with tickets arrangements and pre-paid dinning arrangements. Business Service Referrals and Arrangements. While the Visa Cardholder is traveling, Concierge service can help by providing: interpretation or referrals to translators, business equipment rental (computer, cellular phone, etc.), essential cultural information such as protocol and etiquette. Golf Course Referrals and Reservations. Visa Concierge will provide information and referrals and tee times to public and semi-private golf courses in major cities. Leisure Activity Information and Assistance Tours and Sightseeing Recreational sports information Referrals to health and fitness clubs Gift Referrals and Arrangement Services. We will provide referrals to and make arrangements for Floral designers, balloons and gifts baskets and packages can be arranged as well as unique gift ideas specific to the Card s needs. Referrals and arrangements can be provided both domestically or internationally. All costs for arrangements are borne by the Cardholder. Hard to Find Items. We will assist the Cardholder with locating hard to find items such as out of print books, art objects, and specialty items. We can make arrangements for delivery if chosen items to the destination of choice of the Cardholder. Travel arrangements and Luxury transportation. We can provide bus and Taxi services and train schedules at the Cardholder s request. Personal Assistant can also provide Cardholder s with referrals and assist with arrangements for luxury car rental or or any other luxury transportation. Specialty Service Referrals. While the Cardholder is planning a trip or is overseas, we can help by providing referrals to interpreters, dog walkers and health and fitness facilities. COST OF THE ASSISTANCE SERVICES PROVIDED Cardholder will be responsible for all costs and expenses related to Cardholder s Concierge request. All expenses will be debited, in some cases in advance of purchase, to Cardholder s Visa Card, irrespective of the success of the search and/or Cardholder s acceptance of the goods and/or services arranged on Cardholder s behalf. Concierge specialists will seek Cardholder s authorization prior to arranging a service; in some instances written authorization may be required. When goods or services are purchased on Cardholder s behalf: Items will be purchased and/or delivered in accordance with national and international regulations; Cardholder is at all times responsible for customs and excise fees and formalities; AXA Assistance recommends that they be insured for mailing and shipping and accepts no responsibility for any delay, loss, damage or resulting consequences. AXA Assistance cannot undertake any request we consider to be: -- for re-sale, professional or commercial purposes; -- virtually impossible or unfeasible; -- subject to risk e.g. illegal sources; -- a violation of the privacy of another person; -- a violation of national and international laws; -- unethical and/or immoral; -- price-shopping for discounted items. Visa Concierge reserves the right to decline or stop working on a request at any time and will not be liable for any consequences if the request involves illegal activity. If a request is declined, we will alert the Cardholder and endeavor to offer an alternative. Visa Concierge will endeavor to use at all times providers which are professionally recognized and in Visa Concierge s experience reliable; in instances where a requested service can only be provided by a provider which does not meet this criteria, Visa Concierge will inform Cardholder of the potential risks. Should Cardholder nevertheless wish to utilize the services of such a provider, Visa Concierge accepts no liability whatsoever for the risks undertaken, consequences arising thereof or the resolution of any dispute with the service provided. Visa Concierge service is provided by AXA Assistance USA. AXA Assistance USA accepts no liability arising from any provider that does not fulfill his obligations to the Cardholder. 2

10 Visa Luxury Hotel Collection The Visa Luxury Hotel Collection is comprised of some of the world's most intriguing and prestigious properties. It offers Visa cardholders the most complete benefits program for the world s best hotels. The properties are appraised annually and they provide guests an exclusive, unique collection of benefits, specially designed to offer an unparalleled experience. With every booking, Visa Signature, Visa Platinum or Visa Infinite cardholders receive The best available rate Automatic room upgrade upon arrival, when available Complimentary continental breakfast 3PM check-out, when available VIP Guest status $25 food or beverage voucher/credit Free in-room Internet or Valet parking Best Rate Guarantee To ensure that you are getting the best rate, the Visa Luxury Hotel Collection endeavors to guarantee that the room rates on its web site are the best rates publicly available on the Internet. Best Available Rate, which is a specific rate type, varies depending on time of purchase, is unrestricted, non-qualified and excludes discount or negotiated rates not available to the general public. See terms and conditions for the program. Exclusive Web Site for Visa Signature, Visa Platinum or Visa Infinite cardholders Visit for the latest terms and conditions and to discover all the prestigious hotels. Hotels are included in the Visa Luxury Hotel Collection by invitation only. Every property is first visited, inspected and assigned a score by our partner, Kiwi Collection. The exclusive benefits described here are subject to change. Please contact your Visa representative for more information

11 Emergency Medical Compensation Services Who is covered? As an International Visa Cardholder, you, your spouse and dependent children under 23 years of age, will each be covered automatically, whether traveling together or separately. To get coverage If you need a physician or medical provider the VISA Assistance Center can help you. It is required that you contact the VISA Assistance Center immediately within thirty (30) days of the emergency medical assistance occurrence. What is covered? Beneficiary has coverage up to a maximum of USD 25,000 worldwide (EUR 30,000 in European countries that are Schengen agreement participants), per person for the Usual Reasonable and Customary Charges for Covered Medical Expenses in the event of an emergency medical assistance which occurs during the course of a Covered Trip outside of Beneficiary s Home Country and Country of Card Issuance. All covered Medical Expenses are in excess of all valid and collectible insurance. Pre-Existing Conditions are not covered. Treatment must be received upon the recommendation of a Licensed Medical Practitioner and provided during the course of your Covered Trip. Length of Coverage Benefits on Covered Trips are limited to trips outside of the Beneficiary s Home Country of residence and Country of Card Issuance up to a maximum of sixty (60) consecutive days. If the Beneficiary is hospitalized beyond the 60th day of coverage, coverage will be extended until: (a) Maximum limits are reached or (b) The Beneficiary is release from the hospital. When does a Covered Trip begin? Covered Trip begins automatically when the entire cost of the Common Carrier Passenger fare has been charged to your eligible Visa International card and/or has been acquired with points earned by a Rewards Program associated with your card (i.e., mileage points for travel). All frequent flyer, rewards and complimentary common carrier tickets are covered if there are taxes and/or fees associated with the ticket issuance and they are charged in their entirety to an eligible Visa card. If there are no taxes or fees, or they are paid with rewards points, only tickets earned as direct result of charges made with an eligible Visa Card will be covered. The bank will have to send a letter to guarantee that the points acquired in the loyalty were generated by the use of the Visa card covered by the insurance. Coverage is provided regardless of whether the trip is for one-way or round trip travel. 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 to cardholders it does so at its own risk. 1

12 Emergency Medical Compensation Services Schengen Countries covered under this agreement Germany, Austria, Belgium, Denmark, Slovakia, Slovenia, Spain, Estonia, Finland, France, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Norway, Netherlands, Poland, Portugal, Czech Republic, Sweden, Switzerland. Key Features Trips are covered worldwide outside of Beneficiary s Home Country and Country of Card Issuance. Trips are covered up to a maximum of sixty (60) consecutive days. Medical Expense coverage up to a maximum benefit amount of USD 25,000 per person. No limitation on the number of trips. Schengen Coverage: When a Beneficiary travels to any country that has signed and implemented the 1985 Schengen Aquis (Agreement) on a Covered Trip, the maximum medical expense benefit will be automatically increased to up to EUR 30,000, in those countries. The Visa International Cardholder will also be eligible to receive the following services worldwide: Emergency Medical Evacuation: up to a maximum of USD 50,000 to cover expenses incurred during the course of a Covered Trip if the emergency medical assistance results in a necessary Emergency Medical Evacuation, in case adequate medical facilities are not locally available in the event of an accident or illness. The VISA Assistance Center will arrange and pay the Reasonable and Customary Charges for an Emergency Medical Evacuation to the nearest facility capable of providing adequate care. Repatriation of Remains: up to a maximum of USD 25,000 for the Reasonable and Customary Charges, In the unfortunate event of the death of a Beneficiary during a Covered Trip, VISA Assistance Center will arrange for the necessary government authorizations and pay for the transportation costs of the remains and the required necessary container to return the mortal remains to the home country. Cremation and funeral costs are excluded. Early Return: up to a maximum of USD 5,000 to cover the cost of any additional charges that an airline may apply for changing a return ticket in case of an early return home due to the unexpected death, serious injury, or sickness of cardholder, Beneficiary s traveling companion or Immediate Family Member. In case of a non refundable ticket with no possibility of changes, this benefit will be paid up to the maximum benefit amount to cover the purchase of an economy ticket. VISA Assistance Center must coordinate and make all the necessary arrangements to bring the Beneficiary back home. Trip Interruption: up to a maximum of USD 500 to cover for loss of travel and/or accommodation expenses for the unused, non-refundable pre-paid expenses paid by the Beneficiary, less the value of applied credit from the unused return travel ticket to return home, if prior to the date of return, the Beneficiary s Covered Trip is interrupted due to: Unexpected Death, Emergency Medical Assistance of the Beneficiary, Beneficiary s traveling companion or Beneficiary s Immediate Family Member. Convalescence Care: up to a maximum of USD 750 (USD 150 per day) to cover the cost of a hotel room when AXA Assistance has deemed necessary the required convalescence as a consequence of a covered hospitalization due to injury or sickness. AXA Assistance will pay or reimburse the additional reasonable customary hotel room charges only in the case that the Beneficiary has been hospitalized five (5) consecutive days or more. Emergency Family Travel: USD 5,000 maximum if the Cardholder is hospitalized for more than five days, following a covered hospitalization, while traveling alone on a covered trip, AXA Assistance USA will arrange and cover the cost for a round-trip economy airfare for one (1) one family member or other person designated by the cardholder to travel to the cardholders bedside. Other expenses incurred by the family member or other such person are not covered. The maximum will not exceed the amount of USD 5,000 per 12 month period. Unaccompanied Dependent Minor Children or Elderly: up to a maximum of USD 5,000 to cover the cost of an economy air ticket to send unaccompanied dependent minor children or an elderly travel companion back home or the cost of a person who will accompany the dependent minor children or the elderly travel companion during the trip home in the event the Beneficiary is hospitalized in a foreign country for over five (5) days during a trip that was paid with the International Visa card. Emergency Dental Treatment: up to a maximum of USD 1,000 to cover the cost of an Emergency Dental Treatment, meaning accidental injury to sound, natural teeth, which requires immediate treatment for the temporary relief of acute pain and suffering. Prescription Expenses: up to a maximum of USD 1,000 to cover out-of-pocket prescription expenses relating to a covered illness or covered accident. Legal Fees: up to a maximum of USD 1,000 to cover legal fees if a Beneficiary incurs during the course of a Covered Trip, as a result of false arrest or wrongful detention by any government or foreign power. What do I do if I need emergency medical assistance while on a Covered Trip? It is required that you contact the VISA Assistance Center immediately within thirty (30) days of the emergency medical assistance occurrence. If you need a physician or medical provider the VISA Assistance Center can help you. Do I have to pay all medical expenses? Visa s emergency medical assistance is a cashless service. That means if you call the VISA Assistance Center first, we will take care of the coordination of the services rendered and also directly cover all covered medical expenses allowing you to avoid paying for the medical expenses covered by this benefit and filing for reimbursement. In case you choose not to use the VISA Assistance Center, you must contact a Licensed Medical Practitioner or a licensed and accredited hospital facility, pay for services rendered, and submit covered medical bills to the Visa Claims Center for reimbursement. See how to file a claim. What is included in the Covered Medical Expenses? The expenses that will be covered are those that you incur during the course of a Covered Trip for services and supplies which are recommended by the attending Licensed Medical Practitioner. They include the following: The services of a Physician. Hospital Confinement and use of operating room. 2

13 Emergency Medical Compensation Services Anesthetics (including administration), x-ray examinations or treatments, and laboratory tests. Ambulance service and drugs, medicines, and therapeutic services and supplies Dental treatment resulting from injuries sustained to sound natural teeth subject to a maximum USD Which hospitals are covered? The hospitals covered are those which: (a) hold a valid license (if required by law); (b) operate primarily for the care and treatment of sick or injured persons; (c) have a staff of one or more physicians available at all times; (d) provide 24-hour nursing service and have at least one registered professional nurse on duty at all times; (e) have organized diagnostic and surgical facilities, either on premises or in facilities available to the hospital on a pre-arranged basis; and (f) is not, except incidentally, a clinic, nursing home, rest home, or convalescent home for the aged, or a facility operated as a drug and/or alcohol treatment center. What is considered Emergency Medical Assistance? An illness or injury during a Covered Trip which impedes its completion, for which medical treatment is sought, and for which services are payable according to the terms and conditions of this description of these benefits. What is NOT Covered? Limitations and Exclusions 1. Any chronic illness or medical pre-existing conditions, or its consequences or related consequences, and/or any relapses or periods of convalescence. 2. Any disease or illness resulting from travel during a period of time when a treating doctor has advised the patient not to travel, or occurring during the overseas treatment of a pre-existing illness. 3. Treatment, complications, or side effects resulting from the ingestion of drugs for mental or nervous conditions. Treatment of mental illness or nervous disorders. Consultation and treatment ordered by a psychiatric doctor. Illness, injuries and expenses resulting from the use of narcotics, drugs, or non-prescription medication. Treatment for alcoholism or drug addiction, and any complication arising from these conditions, including but not limited to alcoholism and drug addiction treatment services or programs. 4. Any complication due to pregnancy, childbirth, or abortion, including those occurring during the first trimester of pregnancy. 5. Treatment of any self inflicted-illness or injury such as: suicide or attempted suicide, and any consequences thereof, while sane or insane. 6. Being under the influence of drugs or intoxicants, unless prescribed by a licensed physician. 7. Treatment of and/or complications due to Human Immune Deficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS) and AIDS Related Complex (ARC). Treatment of sexually transmitted diseases. 8. Chiropractic treatment; homeopathic treatment; acupuncture; occupational therapy; physical therapy. 9. Any treatment or service provided by rehabilitative treatment institutions or centers, geriatric care institutions or centers, and institutions which are not hospitals, including but not limited to thermal baths, spas, and hydro-therapy clinics. 10. Any dental or orthodontic treatment which is not related to an accidental injury. 11. Examinations or diagnostic tests which are part of a routine physical exam; scheduled treatment, including but not limited to: vaccinations, routine eye and ear exams, optometry and correction of vision, eyeglasses, contact lenses, hearing aids, or any maintenance or adjustment of these, dentures, the purchase or rental of humidifiers, atomizers, walkers or canes, inhalers, exercise equipment or similar equipment. 12. Plastic and cosmetic surgery except for re-constructive surgery resulting from a covered accident or illness. 13. Organ transplants or the transportation thereof. 14. Foot treatments, including but not limited to corns, calluses, flat feet, weak arches, congenital deformations, and any type of shoe insert. 15. Treatment of sexual dysfunction or insufficiencies. Services or provisions related to male or female sterilization. Services or provisions related to birth control. 16. Any treatment that is not related to an accident or a sudden and acute medical emergency which occurred while the Beneficiary was traveling. 17. Any service or provision received which is related to weight control or the treatment of obesity, whether in the form of diet, liquid injection, medication, or surgery of any kind Treatment of any illness, accidental injury, or expenses resulting, directly or indirectly, from the Beneficiary involvement in wars, revolutions, civil upheavals, conspiracies, riots, public disturbances, or any illegal or criminal activity by the Beneficiary as a principal, accessory, or in any other role, including but not limited to physical fights initiated by the Beneficiary. 19. Other hotel, restaurant, or taxi expenses. 20. Any treatment and/or medical expenses incurred after the termination of the Beneficiary s Covered Trip, regardless of any relation they have to accidental injuries or illness which manifested themselves or were diagnosed while the Beneficiary was traveling. 21. Work related illness or its consequences. 22. Any treatment or service which is not specifically stated as a benefit under this program. 23. Circumstances resulting from or in any way related to force majeure, such as strikes, acts of sabotage, civil or international wars, revolts, terrorism, etc. 24. Medical record fees are excluded. 25. Cremation and funeral costs are excluded. 26. Travel undertaken for the specific purpose of securing medical treatment. 27. Treatment of accidental injuries or illness resulting from the practice of a professional sport, or any sport which could be life-threatening to the covered person, whether it be due to irresponsibility, lack of knowledge, or lack of experience on the part of the covered person, including but not limited to: hang-gliding, skydiving, parasailing, whitewater rafting, driving unlicensed off-road vehicles, mountain climbing, equestrian sports, winter sports if not practiced within resorts and under normal security conditions, auto racing and motorcycle racing and any other type of racing other than on foot, and underwater activities 3

14 Emergency Medical Compensation Services Key Terms and Definitions (General) 1. Beneficiary: means an International Visa Card (issued by a Visa Latin America or Caribbean Region) cardholder or other eligible person(s) who are defined as being eligible under the program s Who Is Covered provision in this guide. 2. Rewards Program: means a program developed/offered by an International Visa Card and your Bank Issuer, allowing you to earn value (mileage points, cash, etc.) and redeem rewards (merchandise, travel, etc.) on your eligible Visa Rewards Program or any frequent flyer rewards or complimentary tickets for which taxes, and fees were assessed at the time of the issuance of the ticket charged to an International Visa card. 3. Valid International Visa Card : means (1) Your International Visa card account must be open, valid and in good standing for any benefits, coverage or services to apply; and (2) Benefits will not be paid and coverage will not apply if; on the date of an accident, occurrence or incident that causes or results in a loss covered under any plan of coverage, your Visa card account is not open, valid, in good standing; or is in delinquency, collection, or cancellation statuss 4. Reasonable and Customary Charges: means you will be covered for treatment, supplies and medical services, which are medically necessary, provided they do not exceed the usual and customary level of charges for similar treatment, supplies or medical services in the locality where treatment is provided. 5. Covered Trip: means a trip anywhere (outside of the Beneficiary s Home Country of residence and Country of Card Issuance) a) where the Beneficiary s full Common Carrier Passenger fare has been charged to an active and valid International Visa Card issued by a Visa Latin America or Caribbean Region b) a frequent flyer, rewards ticket or complimentary ticket associated with the Visa Latin America and Caribbean Region, Platinum Visa Rewards Program. All applicable charges, taxes or fees, must be charged to an eligible Visa card. Coverage will only apply to the first sixty (60) days of the trip. 6. Home Country: means the country where a Beneficiary has his/her true, fixed and permanent home and principal establishment, and to which he/she has the intention of returning. 7. Country of Card Issuance: means the country in Latin America and Caribbean where a Beneficiary had his/her VISA card issued by a Bank. 8. Common Carrier: means an aircraft operated by a scheduled airline registered in the OAG (Official Airline Guide) or ABC World Airways licensed to carry passengers for hire on a regularly scheduled flight, or a maritime or land conveyance operated by a licensed carrier duly authorized to transport passengers. 9. Covered Accident: means a sudden, unforeseen, uncontrollable and unexpected physical event to the Beneficiary caused by external, violent and visible means occurring during a Covered Trip. 10. Schengen Coverage: means when a Beneficiary travels to any country that has signed and implemented the 1985 Schengen Aquis (Agreement) on a Covered Trip, the maximum Medical Expense benefit will be up to 30,000 Euros, in those countries 11. Medical Emergency: a medical condition, which is sudden, unanticipated and urgent requiring immediate medical or surgical evaluation or treatment for the relief of acute pain and suffering 12. Pre-Existing Conditions: means a condition occurring during the one hundred and eighty (180) day period prior to (the individual effective date of coverage (included) for which treatment by a Licensed Medical Practitioner has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care, or treatment. 13. Cashless: meanspayments for all covered Medical Expenses and Emergency Medical Evacuations can be completed on a Cashless basis if the VISA Assistance Center is notified at the point of service, which means VISA Assistance Center can contact the Hospital or clinic directly and process payment without the need for any disbursement from the cardholder. 14. Emergency Medical Evacuation: means if any Injury or Sickness commencing during the course of a Covered Trip while traveling outside of Beneficiary s Home Country of residence and Country of Card Issuance if results in the necessary Emergency Medical Evacuation of the Beneficiary, AXA Assistance USA will provide coverage for expenses incurred. 15. Repatriation of Remains: means if the Beneficiary suffers a loss of life while traveling outside his or her Home Country and Country of Card Issuance, benefits are provided for reasonable expenses to preserve and return the body home. 16. Licensed Medical Practitioner: means a doctor of medicine or a doctor of osteopathy licensed to render medical services or perform surgery in accordance with the laws of the country where such professional services are performed. However, such definition will exclude chiropractors, physiotherapists, homeopaths and naturopaths. 17. VISA Assistance Center, this program and benefits administrated by: AXA Assistance USA, Inc. 122 South Michigan Ave. Suite 1100 Chicago, IL AXA Assistance USA is subsidiary in the U.S. of AXA Assistance S.A. central office in 12bis, Boulevard des Frères Voisin Issy-Les- Moulineaux Cedex 9, Paris, Francia What if the severity of the Emergency Medical Assistance results in death or requires the need for Emergency Evacuation? In the unfortunate event of the death of a Beneficiary during a Covered Trip, VISA Assistance Center will arrange for the necessary authorizations and pay for the transportation costs of the remains and the required necessary container for up to a maximum of USD 25,000 to return the mortal remains to the Home Country of residence. Cremation and funeral costs are excluded. If a Licensed Medical Practitioner certifies that the severity or the nature of the Illness or injury warrants Emergency Evacuation, and the evacuation is approved and ordered by the VISA Assistance Center in consultation with the attending physician, you will be covered up to USD 50,000 each for the expenses incurred for the evacuation during the course of a Covered Trip. 4

15 Emergency Medical Compensation Services Do I need pre-approval for Emergency Medical Evacuation? Yes, the evacuation must be approved and ordered by the VISA Assistance Center in consultation with the attending Licensed Medical Practitioner who certifies that the severity or the nature of the Illness or injury warrants Emergency Evacuation. You must obtain VISA Assistance Center s pre-approval and/or the VISA Assistance Center must make all medical transportation arrangements. Do I need pre-approval in the case of Repatriation of Remains? Yes, It is required that the VISA Assistance Center make all repatriation arrangements. Do I need pre-approval for early return? Yes, before using the early return benefit you must obtain VISA Assistance Center s pre-approval and the VISA Assistance Center must make all transportation arrangements. What conditions are necessary for Emergency Medical Evacuation coverage? Your medical condition must warrant immediate transportation from the place where you are injured or sick to the nearest hospital where appropriate medical treatment can be obtained; or/and If after being treated at a local hospital, your medical condition warrants transportation to the nearest qualified medical facility, or to Beneficiary s Home Country of residence to obtain further medical treatment, or to recover. What kind of transportation will be provided in the case of an Emergency Medical Evacuation? Any land, water or air conveyance required to transport you during an Emergency Evacuation will be provided. Special transportation includes, but is not limited to, air ambulances, land ambulances and private motor vehicles. How do I obtain a certificate of coverage in order to obtain a visa for the European countries participants in the Schengen treaty? You must call the VISA Assistance Center in order to request your certificate. This certificate will be issued by fax or with no additional cost for you. Do I need pre-approval for early return? Yes, before using the early return benefit you must obtain VISA Assistance Center s pre-approval and the VISA Assistance Center must make all transportation arrangements. How do I file a claim? You must call and notify the VISA Assistance Center within thirty (30) days following the date of the occurrence or Emergency incident on your Covered Trip. The representative will gladly answer any questions and send you a Claim Form. If the VISA Assistance Center is not contacted within thirty (30) days, your claim may be denied. The completed Claim Form together with all pertaining documents must be returned to the VISA Assistance Center within 90 days of the date of the occurrence, not doing so will result in the denial of your claim. Claim Notification Period: Within thirty (30) days from the date of occurrence. Submission Period: No later than Ninety (90) days from the date of Claim Notification. Required documents are as follows: A copy of your customer statement and Common Carrier Ticket, as proof that the entire travel fare was purchased with your valid International Visa Card. A copy of any bill(s) incurred from your Medical Provider(s) A copy of documentation for any other valid and applicable insurance A copy of all applicable medical reports including the name and address of the medical facility and any attending physicians. A completed VISA Assistance Medical Claim Form. For repatriation a certified copy of the death certificate and bills for services rendered. Please submit all of the above required scanned documentation to the VISA Assistance Claims Center at clienteassist@axa-assistance.us or if you prefer send the information via courier to the address below: AXA Assistance USA, Inc. 122 S. Michigan Ave. Suite 1100 Chicago, IL Account and Billing Information: Important: Contact your cardissuing financial institution directly for questions concerning your account, such as account balance, credit line, billing inquiries (including transaction exchange rates), merchant disputes, or information about additional services not described in this Guide. Your financial institution s phone number should be available on your monthly billing statement. Please keep in mind the General Program Provisions All indemnified assistance services described herein are subject to change or cancellation without notice. This Assistance is effective the later of July 1, 2002, the date your bank elected this coverage, or the date of issuance of your card and will cease on that date the indemnified assistance plan isterminated. This description of the indemnified assistance is not a contract of insurance and is intended to be a general informative statement of the indemnified assistance services made available by Visa Inc. throughout Latin America and Caribbean Region. In some instances, according to the Indemnified assistance contract the laws in the jurisdiction where your local Visa Card has been issued, the US Dollar benefit amounts shown will be converted to equivalent local currency and certain details of coverage may differ from what is outlined in this document. Complete provisions pertaining to this plan of service are contained in the indemnified assistance services contract on file with Visa Inc., Latin America and Caribbean Region, Miami, Florida. If a statement in the description of the indemnified assistance services and description of the indemnified assistance services contract differ, the local requirements pertaining to indemnified assistance programs in the jurisdiction where your International Visa Card has been issued will govern. The Plan is administrated by:axa Assistance USA Inc. If you have questions regarding this program, call the VISA Assistance Center, 24 hours a day, 365 days a year. PLEASE NOTE: The benefits described in this document do not apply to all Latin American and Caribbean International Visa Cards. Please check with your bank to verify that the coverage applies to your International Visa Card. 5

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