COMPLETE INFORMATION ON INSURANCE

Transcription

1 Dear client, Page 1 with your Diners Club card you also get a free comprehensive travel insurance package for trips abroad, with cover up to 6 million all over the world. The aim of this document is to provide you with complete information about the travel insurance. Together with your travel insurance you have non-stop access to a complete assistance service abroad. In the event of an emergency or insured event abroad, you can turn to the Assistance service, where they will gladly help you resolve any problem you have. In this document you will find also a manual on how to proceed in unpleasant situations that could arise on trips abroad or if some insured event occurs. Please absorb this information, because by following the recommendations here you could avoid senseless misunderstandings or complications. Diners Club WHO IS INSURED As a Diners Club cardholder, you are covered by travel insurance 24 hours a day during your trip abroad, anywhere in the world (outside the Slovak Republic and the country of permanent residence). The duration of any trip abroad may not exceed 90 days. If a trip abroad lasts longer than 90 days, insurance cover is valid for the first 90 days from departing for the trip abroad, including the crossing of the border. Insurance cover ceases at the moment the insured cross the border back into the Slovak Republic from abroad, but no later than upon expiry of 90 days from departing on the trip or upon expiry of the last day of card validity, whichever of the two is first. The period of cover starts on the first day of the calendar month given as the start of card validity and ends on the last day of the calendar month of card validity. The number of trips abroad during the period of cover is unlimited and the trips do not have to be announced in advance. Insurance applies to the cardholder and fully to a maximum of 3 accompanying travellers, under the condition that the condition of paying also their costs is satisfied. If the payment card holder is personally not travelling, insurance shall not apply to the accompanying travellers. If an insured event happens to the accompanying travellers, they are entitled to the same scope of insurance cover as the insured Diners Club cardholder. The number of insured events that the insurer will settle for accompanying travellers is limited, however, to just one claim per each fellow traveller. If there are more than three accompanying travellers, the insurer shall reduce the indemnity for each of them proportionate to the ratio of three against the actual number of travellers. An accompanying traveller is understood as any person for whom the cardholder activated insurance (where the cardholder pays for certain costs of the trip the same as for himself) and who clearly travelled with the cardholder to the same destination point abroad. In the event of an insured event, indemnity shall be paid out only from one of the payment cards, regardless of how many payment cards with contracted insurance cover the insured was issued with or how many times the insurance was activated. WHEN ARE YOU INSURED Insurance is valid only if the insurance was duly activated based on each individual journey. Activation is regarded as: a) use of the payment card of the insured for any payment for goods or services within 60 days before crossing the border of the Slovak Republic. With this activation only the cardholder is insured, and not the accompanying travellers; b) payment of any part of the costs for the journey using the card of the insured. This activation applies to insurance of the cardholder and also the accompanying travellers. The payment must document the card number, the date and time of payment, and the name of the cardholder. Travel costs are regarded as: costs for transport of the insured and other insured persons associated with a trip abroad, especially payment for flights or airport fees, tickets for the bus, train or any other public transport, boat tickets and the like, also if as part of a trip;

2 Page 2 payment for or reservation of car rental with the aim of travelling to the destination point outside the territory of the Slovak Republic; expenses for accommodation abroad or accommodation booking with confirmation of payment by a Diners Club payment card of the insured, or a binding accommodation booking subject to presentation of proof of this binding reservation using the Diners Club card of the insured. Use of the card at check-in is also regarded as a reservation; payment for fuel at filling stations on the date the Slovak border is crossed when travelling abroad, this for a car that is inseparably or partially linked to the beginning of the journey abroad. When activating insurance before setting off on the journey, insurance cover starts at the moment the you cross the border of the Slovak republic to go abroad, no sooner that on the first day of card validity, however. If payment of costs by the insured s card for a trip abroad was made during the course of the journey abroad, insurance cover starts at the moment this payment is made. WHAT IS PROOF OF INSURANCE Proof of insurance is your EMERGENCY CARD, which carries the logo of the insurer MetLife Europe Insurance Limited with the number of the insurance policy that provides you with insurance cover. EMERGENCY CARD Asistenčná služba / Assistance service Číslo poistnej zmluvy / Insurance contract ID dinersclub@metlife.sk Hotline Diners Club customer.service@dinersclub.sk EMERGENCY CARD is also available at Just print it and take it with you, or you can save the phone numbers in your mobile phone. WHAT ARE YOU COVERED FOR An insured holder of a Diners Club credit card is entitled to indemnity as per the table Scope of insurance for compulsory and supplementary travel insurance, which sets out the sums insured in euros ( ), the amount of deductible in euros or the number of hours for individual parts of cover and in terms of the indicated sections of the General Terms and Conditions of Insurance (GTC). SCOPE OF INSURANCE COVER FOR COMPULSORY TRAVEL INSURANCE AND SUPPLEMENTARY TRAVEL INSURANCE Section of GTC Scope of cover Limit of indemnity 4 5 Insurance of medical costs medical costs limit for acute dental work Insurance of assistance services assistance services 140, ,00 7 Insurance for sending substitute employee 1, Insurance of travel costs of family member when staying more than 7 nights Insurance of luggage and personal belongings limit per item 1,40 1,40 20

3 Page 3 Section of GTC Scope of cover Limit of indemnity Insurance of luggage delay when using travelling by air limit per hour Insurance of flight delay limit per hour Insurance of legal assistance and bail upon traffic accident costs for legal assistance bail in case of traffic accident Accident insurance death by injury permanent disability from injury death by injury children under 18 permanent disability from injury children under 18 accumulated limit per accident on one card Poistenie zodpovednosti za škodu škody na zdraví a na majetku spoluúčasť hours hours ,00 140,00 4,00 4,00 560, HOW TO CONTACT AND USE THE ASSISTANCE SERVICE In the event of illness, injury or some other insured event covered by this insurance policy, our Assistance service will provide you with assistance abroad. The term assistance service is understood as organisational and consulting assistance when eliminating the consequences of an insured event at the place of your stay abroad. The Assistance service is ready to assist you non-stop 24 hours a day, 7 days a week, anywhere in the world. All Assistance service centres are modern equipped, with qualified doctors, lawyers and organisational staff who speak all world languages. Telephone number for the Assistance service: You can contact the Assistance service in person or via someone else (doctor, examiner, accompanying traveller and so on) on the above telephone number. In an emergency, you can also call collect. When dealing with the Assistance service you will be asked for information regarding the insured event, so you should prepare for this call in advance. By giving correct and accurate information, your situation will be resolved quicker. They will ask you in particular for the following information: name and surname of insured (cardholder) and the aggrieved person, number of insurance policy: , name of policyholder: Diners Club CS, s. r. o., number and expiry date of your payment card, manner of activation, information about insured event, if you were treated or hospitalised description of diagnosis (or also its number) and a contact for the examining doctor or hospital where you were treated or hospitalised.

4 Page 4 HOW TO PROCEED AFTER AN INSURED EVENT With each loss, it is necessary to secure information about the person liable for the loss. Medical treatment abroad/premature return to the Slovak Republic (section 4 of the General Terms and Conditions of Insurance) The Assistance service will recommend and arrange outpatient treatment for you or transportation and admission to a hospital, depending on the severity of your state of health. It will then settle costs for healthcare to the scope of section VII of the General Terms and Conditions of Insurance. With basic outpatient care, some doctors abroad demand payment in cash. You should therefore keep all original copies of doctor s reports and accounts paid in cash. The costs will be reimbursed to you at the Claims Department of MetLife Europe Insurance Limited after you return to the Slovak Republic. If you are not able to pay these bills, contact the Assistance service. Always contact the Assistance service in the event of some demanding outpatient procedures or hospitalisation. If hospitalisation is necessary, you must inform the Assistance service immediately after being admitted to the hospital. If this condition is not fulfilled, the insurance company could reduce the level of insurance benefits. The costs of a premature return to the Slovak Republic because of illness or injury will be settled only after the prior consent of the Assistance service. The Assistance service centre receives and forwards to family members urgent reports concerning the state of health of the insured. If your state of health allows or requires transfer to Slovakia or to the country of permanent residence, the Assistance service will arrange your transport. If the insured person dies as a result of injury or sudden illness, the Assistance service will arrange the necessary transportation. Documents necessary for making a claim for compensation: b) doctor s report with description of illness or injury, the course of treatment, the diagnosis code, c) original bills for treatment and drugs for the particular claim, d) other documents depending on circumstances of the insured event. Sending replacement employee (section 7, point 9 of General Terms and Conditions of Insurance) If while on a trip abroad an illness or injury requires hospitalisation of an insured person or their return to the Slovak Republic, you are entitled to compensation of appropriate travel costs for a replacement employee to deal with pressing work tasks. b) confirmation of hospitalisation of the insured or about their return to the Slovak Republic, c) confirmation of payment of travel costs, d) other document depending on the circumstances of the insured event. Travel costs for family members of the insured (section 8, point 10 of the General Terms and Conditions of Insurance, Article 7 of Endorsements) If while on a trip abroad an illness or injury requires hospitalisation of an insured person for a period longer than 7 days, you are entitled to compensation of appropriate travel costs, meals expenses and accommodation at the place of hospitalisation for one family member of the insured person. b) confirmation of hospitalisation of the insured, c) confirmation of payment of travel costs, accommodation and meals,

5 Page 5 d) other documents depending on the circumstances of the insured event. Legal assistance or bail in the case of a traffic accident (section 6, points 6 and 7 of the General Terms and Conditions of Insurance) If the insured is involved in a traffic accident, after which he is detained by the competent authorities or where there is a risk of such detention, it is essential that the Assistance service is contacted immediately, as it will arrange immediate legal assistance and cover the costs, and also put up the necessary cash for bail if necessary. The insured is obliged to return the amount of the surrendered bail within 30 days at the latest from returning to the Slovak Republic. b) police report on the traffic accident, c) any other documents depending on the circumstances of the insured event. Liability for damages (section 9 of the General Terms and Conditions of Insurance) If while on a trip abroad you cause bodily harm or damage to the property of other persons, without the prior written consent of the insurance company you must not take any action by which you acknowledge liability for the incurred damage, or give an offer or promise or make a payment. As soon as you discover a claim to compensation of damages, immediately contact the Assistance service, which will recommend next steps to you. If the insurance company suffers a loss as a result of late reporting of an insured event, you will lose your claim to any insurance benefits. When defending or in the case of a court executing a claim, you are obliged to provide the insurance company with all information and documents that you have available. b) detailed description of circumstances on how the damage/accident happened, the names and contact details of any witnesses, c) the police report/official protocol/court ruling concerning the damage/accident, d) documents demonstrating the identity of eligible persons, e) a written claim to compensation completed by the aggrieved party, f) any other documents depending on the circumstances of the insured event. Luggage damage or theft (section 2 of the General Terms and Conditions of Insurance, Article 4 of Endorsements) In the event of damage to luggage, it is important that you take steps as soon as possible to protect, save or reacquire your luggage immediately inform the carrier/holder that is liable for the damage, or which may be liable for it, and then draw up a protocol with it about how the damage was caused. Any benefits that the insurance company pays out to you will comprise the difference after deducting the amount paid by the carrier or other liable party. You are obliged to report the theft of luggage or a robbery to the police within 24 hours from when it is discovered. You should then inform the insurer about the loss as soon as possible. In the event of theft from a motor vehicle, the insurance applies only to items placed in the luggage space of a properly locked vehicle, if the theft took place between 6 am and 10 pm and the luggage was not visible from outside. Please therefore don t leave personal belongings in a vehicle at night. b) description of the circumstances of the loss, theft or damage to luggage or personal property,

6 Page 6 c) protocol on loss/damage of luggage completed and signed by the carrier, holder or other party responsible for the loss/ damage, against which you have made a request for compensation, d) copy of travel documents (flight ticket, travel tickets, accommodation bill), e) a concluding police report (official report) or protocol relating to the loss/theft/damage of your personal belongings, f) if an item is destroyed, a statement of the carrier confirming that it is not repairable, g) documents about the purchase of luggage and personal belongings that you want to have compensated, h) bills for the repair of damaged luggage/items, i) a sworn declaration about where and when the luggage/items were purchased, and if possible, also original bills to this document, j) any other documents depending on the circumstances of the insured event. Luggage delay when flying (section 3 of the General Terms and Conditions of Insurance, Article 5 of Endorsements) If your luggage is held up by more than 6 hours at a duly registered air carrier, you are entitled to compensation of justified and essential expenses. b) copy of travel documents (flight ticket, travel tickets, accommodation bill), c) confirmation of air carrier about the length of flight delay, d) confirmation of the delivery of luggage stating the place and time of delivery, e) original bills for paid expenses, f) any other documents depending on the circumstances of the insured event. Flight delays (section 10 of General Terms and Conditions of Insurance, Article 6 of Endorsements) If a flight is delayed by more than 6 hours as a result of a flight cancellation/delay, the late arrival of an incoming flight or because of a delay of a public carrier, you are entitled to compensation of justified and essential expenses, including expenses for refreshments if these expenses are not covered by the party responsible for the delay. b) copy of travel documents (flight ticket, travel tickets, luggage slip), c) confirmation of the airline that the flight was delayed, and by how much, d) confirmation of the carrier that a previous incoming flight or public transport connection was late, e) original bills for costs incurred in connection with the flight delay, f) any other documents depending on the circumstances of the insured event. Permanent disability from injury (section 1 of the General Terms and Conditions of Insurance, Article 3 of Endorsements) If an insured suffers an injury while on a trip abroad, which within the space of a year leads to some permanent disability or death of the insured, this is grounds for a claim to compensation to the amount set by the evaluation table. A claim to compensation of damages may only be filed by the insured or the authorised party. In the event of an injury abroad, seek medical attention and have a confirmation issued on the extent of the injury. Insured persons under 18 years of age are entitled to a reduced sum insured of up to 4,00.

7 Page 7 b) medical report with description of injury, course of treatment and diagnosis code, c) confirmation of a doctor about the extent of permanent bodily harm, d) death certificate, e) any other documents depending on the circumstances of the insured event. HOW TO REPORT A CLAIM Entitled to compensation for an insured event must always be reported in writing as soon as you return home from abroad, using the form Notice of insurance claim, which you will find on in the section Information materials. Please read carefully the whole of this document, gather together the necessary documents and proceed exactly as instructed. You must report any insurance claim without undue delay, as soon as the situation allows (after returning from abroad/hospital). Send the form together with original copies of the requested documents to the address of the insurer. The insurance company may request also additional documents from you for the liquidation of claims. If required, turn to the Assistance service Europ Assistance: Europ Assistance s.r.o. P.O. BOX Bratislava dinersclub@metlife.sk