SANTA CLARA COURT, PLOT 1412, AHMADU

BELLO WAY, LAGOS, NIGERIA

Phone No - 0700 292 626 7273
Email- insure@axamansard.com

TRAVEL INSURANCE POLICY

Policyholder: ADEKEYE, SULAIMON ADISA Policy number 0001076891
Telephone: 09131765352 SPTO 0
Passport No. B50399464 Premium per Insured 25,830.90 NGN
City: LAGOS Number of passengers 1

Coverage Period Policy Amount

Effective from: 12/05/2023 Policy Period: 180 day(s) Net premium 25,830.90 NGN
Expiry: 07/11/2023 Payment Method: [Invoiced] Surcharge 0.00 NGN
Taxes (.00%) 0.00 NGN
Total 25,830.90 NGN

Destination Area : All European countries including the Schengen Area. Country of origin: Nigeria

Product: Schengen Agent Code: (AXA Mansard)

Name: Passport: Date of Birth:

ADEKEYE, SULAIMON ADISA B50399464 18/11/1975

Summary of Covers and Limits

MEDICAL AND EMERGENCY ASSISTANCE Cover Limit Excess

Medical Expenses and Hospitalization Abroad 35,500.00 USD 100.00 USD
Emergency Medical Evacuation 35,500.00 USD
Emergency Return Home Following Death of a Close Relative Covered
Emergency Dental Care 1,200.00 USD 60.00 USD
Repatriation of Mortal Remains 6,000.00 USD
Repatriation of family member travelling with the insured Covered
Travel Of One Employee of the Same Company (Optional/Not stand alone) 3,500.00 USD
Return of Child(ren) Covered

PERSONAL ASSISTANCE SERVICES

24 Hours Assistance Services Covered
Cash Advance 2,000.00 USD
Consular reference Covered
Emergency travel & Accomodation arrangement Covered
Travel Information Covered

LOSSES AND DELAYS

Location and forwarding of personal effects Covered

PERSONAL ACCIDENTS IN MEANS OF PUBLIC TRANSPORT

Accidental Death occurred in means of public transport 35,500.00 USD
Permanent Total disability 35,500.00 USD

CIVIL LIABILITY BENEFITS 25,000.00 USD

Personal Civil Liability

CANCELLATION OR CURTAILMENT
Trip Cancellation Expenses 1,200.00 USD 70.00 USD

ASSISTANCE INFORMATION
In case of claim, the insured should dial one of the following emergency numbers, or send an assistance request to the provided email addresses - 24 hours a day and 365 days a year
Telephone : from abroad + 33 1 49 65 25 21 or from France 01 49 65 25 21
Fax : from abroad + 33 1 70 95 94 79 or from France 01 70 95 94 79
Assistance E-mail: servicemedical.ame@axa-assistance.ma copying Insure@axamansard.com by quoting the
following Assistance agreement number: 0814161 as well as your policy number.

If you are unable to get across to any of our assistance centres please call us on +2341-4606630; +234 700 292 626 7273
This policy, provided by , has been issued online from

As an exception to the General Exclusions related to epidemics and/or pandemics declared by the World Health Organisation, the Beneficiary is covered under the same terms if He/She falls ill during the trip with an
infectious disease including Covid-19. It applies for Medical transportation, Medical expenses, Cancellation & curtailment and Body repatriation & mortal remains. Please refer to Terms & Conditions.

By signing this document, the Policyholder expresssly accepts the clauses limiting the rights of the Insured included in the attached General Conditions of the Policy.

POLICYHOLDER 18/04/2023 THE INSURANCE COMPANY

 GENERAL POLICY CONDITIONS
The purpose of these general conditions is to define the
terms and conditions of application of the travel assistance
cover specified below issued by AXA Mansard Insurance Plc
(the " General Conditions").
1. DEFINITIONS
For the application of these General Conditions, the
following words or expressions have the meanings specified
against them:
“Insurer” or “The Company” means: The insurance
company, AXA Mansard Insurance Plc, registered and
authorized in the country in which this insurance policy is
issued and subscribed.
“The Assistance Company” means: The service provider
appointed by the Insurer in order to provide the coverages
of the Policy.
“Policyholder” means: The natural or legal person who
subscribes the policy with the Insurer and who is bound by
the obligations arising, therefore.
“Insured” means: Within the validity period of the policy,
the person aged between 3 months and 85 years, whose
name and address are specified in the policy, with respect
to whom the premium has been paid before his/her travel
and who is a permanent resident in Nigeria where the policy
was issued.
A student is deemed to be an Insured up to 27 years old
studying abroad.
Not eligible as “Insured Person”:
a. Insured intending to travel more than 92 consecutive days,
except students.
b. Persons of less than 3 months of age.
c. Persons aged from 86 years old.
d. Non-residents in Nigeria where the policy is issued;
e. Those who have initiated the trip prior to the insurance
underwriting.
f. Insured undertaking physical or manual hazardous activities
such as: driving vehicles, use of machinery, loading and
unloading, working at heights or in confined spaces,
assembly of machinery, working on floating or underwater
platforms, mines or quarries, use of chemical substances,
laboratory work of any kind and any other hazardous
activities.
“Family Plan Insured” means: The persons whose names
appear in the family plan policy certificate as insured;
(Principal + spouse + children) - maximum 5 members /
single premium - with respect to whom the premium has
been paid before his/her travel and who is a permanent
resident of the country where the policy was issued. The
whole benefits and limits of the covers provided into the
family plan will be shared among all beneficiaries.
“Beneficiary” means: Person(s) for whom the Policy holder
recognizes the right to receive the corresponding amount of
compensation as outlined in this contract. Should no one
have been specified, the compensation will form part of the
Insured’s estate.
“Immediate Family Member” of the Insured, means:
Spouse, children, parents, grandparents, and siblings.
“Close Relative” of the insured, means: Spouse, parents,
children, grandparents, grandchildren, siblings, mother and
father-in-law and brothers and sisters in law.
“Children” means: Persons from 3 months to 17 years old
travelling as a companion of an adult.
“Spouse” means: Person officially registered as wife or
husband of the Insured.
“Usual Country of Residence” means: The country where
the Insured is a citizen or permanent resident and where the
policy is issued by the Insurer.
“Illness” means: Any change in health diagnosed and
confirmed by a legally recognized doctor during the life of
the policy and which is not comprised or derived from either
of the following two groups:
• Congenital disease: the disease that exists at the moment
of birth as a consequence of hereditary factors or
complaints acquired during pregnancy.
• Pre-existing disease: the disease that the Insured suffered
prior to the date of taking out this policy, even if it wasn’t
diagnosed.
“Serious Illness” means: Any Illness that requires admission
to hospital and which, in the opinion of the Assistance
Company's medical team, prevents the Insured from
continuing travel on the date planned, or which involves the
risk of death.
“Injury” means: A medical problem caused by a sudden and
severe external cause or reason beyond the control of the
Insured, with in the validity period of this policy.
“Serious Injury" means: An Injury which, in the opinion of
the Assistance Company's medical team, prevents the
Insured from continuing travel on the date planned or
involves the risk of death.
“Accident” means: The bodily injury suffered during the life
of the contract, which derives from a violent, sudden,
 external cause and one that is not intended by the Insured.
For the purposes of this policy, the following shall also be
construed to be accidents:
a. Asphyxia or injuries as a consequence of gases or vapors,
immersion or submersion, or from the consumption of
liquid or solid matter other than foodstuffs.
b. Infections resulting from an accident covered by the policy.
c. Injuries that are a consequence of surgical operations or
medical treatments resulting from an accident covered by
the policy.
“Emergency Dental Care” means: Any natural dental
treatment covered by the policy due to a condition suddenly
started up at travel and that it does not occur by reason of
any pre-existing situation and must be documented by
dentist’s report.
“Europe” means: Schengen Countries.
“Doctor” or “Physician” means: An officially registered
medical practitioner according to the law of the place where
the claim happens.
“Osteosynthesis material” means: Parts or pieces of metal
or of any other kind used to join together the ends of a
fractured bone, or to knit together the tips of joints, by
surgical operation and which can be reused.
“Orthopedic material or Orthosis” means: Anatomical parts
or items of any kind used to prevent or correct temporary
or permanent deformations of the body (walking sticks,
cervical collar, wheelchair, etc.).
“Prosthesis” means: This are deemed to be any item of any
kind that temporary or permanently replaces the lack of an
organ, tissue, organic fluid, member or part of any of them.
By way of an example, mechanical or biological items such
as cardiac valve parts, joint replacements, synthetic skin,
intraocular lenses, biological materials (cornea), fluids,
gels and synthetic or semisynthetic liquids that replace
organic humors or liquids, medicine reservoirs, mobile
oxygen therapy systems, etc.
“Limit” means: The amounts set forth in the conditions of
this policy, the benefits table and limits of each different
plan, and which represents the maximum benefit (financial,
temporary or another kind) covered under each guarantee.
“Fraudulent Claims” means: When the Insured, Beneficiary
or someone acting on their behalf, uses any fraudulent
means or devices in order to obtain any of the benefits of
this policy, consequently, any payment of any amount in
respect of such claim shall be cancelled.
“Deductible” or “Excess” means: The amount of expenses
or the number of days which are not covered by the Insurer,
and that are to be paid or supported by the Insured before
the policy benefits become payable.
“Premium” means: The price of the insurance that the
Policyholder must pay the Insurer in consideration for the
coverage of the risks provided for the Insured by the latter,
the receipt for which will include, moreover, the surcharges
and taxes legally applicable.
“Period of Insurance” or “Effective Date of Coverage”
means: The period that commences and ends on the dates
stated on the certificate of the policy contracted. Such
period of insurance is in any case not renewable.
“Territory” means: Geographic area where the travel object
of the contract takes place, and in which the events that
occur there have coverage.
“Means of Public Transport /Common Carrier” means: It
will be understood like common carrier which are hired to
carry out the trip object of this insurance and will remain
limited to the plane, ship, train, or coach, including when
going into and going out of the above mentioned way of
transport. Equally there remains covered the Accident of
the way of public transport (limited to taxi, rent car with
driver, tramway train, bus, train, underground train) during
the direct route between the point of exit or come
(domicile or hotel) up to the terminal of the trip (station,
airport, port).
“Cover” means: The Company will immediately provide the
Insured, the assistance specified under the coverage clause
of this insurance policy for mishaps that occur due to
unforeseen incidents during travels outside his/her Usual
Country of Residence, provided that this occurrence does
not take place outside the specified geographical
boundaries and does not take place out of the prescribed
travel duration between the validity dates of this policy.
The scope of this policy becomes void when the travel
causing the acquisition of this policy ends and/or the
Insured arrives at his/her Usual Country of Residence,
whichever takes place first. Period of cover granted under
this policy shall not exceed 92 consecutive days each travel.
CONDITIONS FOR APPLICATION OF THE COVERAGES
2. VALIDITY OF THE COVERAGES
Travel assistance coverages are valid outside of Nigeria for
the period of validity of the Policy; they only apply from the
first (1st) day of travel Abroad to the ninety-second (92nd)
consecutive travel day, even if the Policy was subscribed for
a longer period.
For durations of 6 months (semi-annual) and 12 months
(annual), the covers only apply from the first (1st) day of
travel abroad to the ninety-second (92nd) consecutive
travel day per trip.
For Student Cover – the duration of the trip can be up to a
maximum of 180 consecutive days.
 TABLE
The coverage of the Policy shall not be extended after the
start of the covered trip. 1. ASSISTANCE TO PERSONS 4
2. MEDICAL EXPENSES & HOSPITALIZATION ABROAD 4
3. TERRITORY 3. EMERGENCY MEDICAL EVACUATION AND REPATRIATION . 4
4. EMERGENCY DENTAL CARE 5
Covers are granted for Beneficiaries holding a Policy in the 5. REPATRIATION OF MORTAL REMAINS 5
geographical areas defined below: 6. REPATRIATION OF FAMILY MEMBER TRAVELLING WITH THE
INSURED 5
 Area 1: Europe; 7. RETURN OF CHILDREN 5
8. EMERGENCY RETURN HOME FOLLOWING DEATH OF CLOSE
 Area 2: Worldwide; RELATIVE 5
9. TRAVEL OF ONE IMMEDIATE FAMILY MEMBER 5
 Area 3: Area 2 excluding USA, Australia, Japan and Canada.
10. TRAVEL OF ONE EMPLOYEE OF THE SAME COMPANY
(OPTIONAL / NOT STAND ALONE) 5
• TRAVEL INDIVIDUAL 11. 24 HOURS ASSISTANCE SERVICES 6
o TRAVELER Plan: Worldwide (Area 2) or (Area 3) 12. DELIVERY OF MEDICINES 6
o PEARL Plan: Worldwide (Area 2) or (Area 3) 13. ADVANCE OF BAIL BOND 6
o FAMILY Plan: Worldwide excluding USA Australia, Canada, 14. CASH ADVANCE 6
Japan (Area 3) 15. CONSULAR REFERAL 7
o ECONOMY Plan: Worldwide excluding USA Australia, 16. EMERGENCY TRAVEL & ACCOMMODATION ARRANGEMENT
Canada, Japan (Area 3) 7
o EUROPE Plan: Schengen countries (Area 1) 17. TRAVEL INFORMATION 7
18. LEGAL DEFENSE 7
• STUDENTS 19. HIJACKING IN MEANS OF PUBLIC TRANSPORT 7
o STUDENT Plan: Worldwide (Area 2) or (Area 3) 20. LOSS OF PASSPORT, DRIVING LICENSE, NATIONAL IDENTITY
CARD ABROAD 7
• PILGRIMAGE 21. COMPENSATION FOR IN-FLIGHT LOSS OF CHECKED-IN
o PILGRIMAGE Basic Plan: Worldwide except European BAGGAGE 7
Union countries and UK 22. COMPENSATION FOR DELAY IN THE ARRIVAL OF LUGGAGE7
23. MISSED DEPARTURE/ FLIGHT BENEFITS 8
o PILGRIMAGE Plus Plan: Worldwide except European Union
24. DELAYED DEPARTURE 8
countries and UK
25. LOCATION AND FORWARDING OF BAGGAGE AND
PILGRIMAGE Extra Plan: Worldwide except European Union
PERSONAL EFFECTS 8
countries and UK 26. ACCIDENTAL DEATH OCCURRED IN MEANS OF PUBLIC
TRANSPORT 9
27. PERMANENT DISABILITY 9
28. PERMANENT TOTAL DISABLILITY 11
29. PERSONAL CIVIL LIABILITY 11
30. CANCELLATION OR CURTAILMENT 13
31. OBLIGATIONS OF THE BENEFICIARY 14
32. IMPLEMENTATION OF COVERAGES 14
33. EXCEPTIONAL CIRCUMSTANCES 16
34. EXCLUSIONS 16
35. GENERAL EXCLUSIONS 16
36. GENERAL PROVISIONS 16
37. LIFE OR DEATH SITUATION 16
38. MAXIMUM INSRER’S COMMITMENT (MAXIMUM LIMIT) 16
39. PRESCRIPTION 17
40. SANCTIONS 17
41. APPLICABLE LAW AND JURISDICTION 17
42. DATA PROTECTION 17
 ASSISTANCE TO PERSONS
Only the Assistance Company has the authority to arrange
the service provisions associated with the coverages
below.
If the Insured person or his/her family circle arranges for
all or part of the service provisions insured by the Policy
and/or any commitment to expenses without the
Assistance Company’s prior agreement, substantiated by a
case number, he/she and/or they are not entitled to
reimbursement, except as provided by the policy terms 2.
and conditions and/or in case of force majeure.
The procedures and formalities associated with visa
applications, for transfers to a third country, are solely the
responsibility of the Insured person or of any person acting
instead and in place of him/her.
The procedures and formalities associated with
continuing, in Nigeria, with a treatment started Abroad are
solely the responsibility of the Insured person or of any
person acting instead and in place of him/her.
SECTION A: MEDICAL & EMERGENCY ASSISTANCE
1. MEDICAL EXPENSES & HOSPITALIZATION ABROAD
In the event of illness or injury of the insured occurring
outside the usual country of residence, the insurer will pay
the usual, customary, necessary and reasonable costs of
hospitalization, surgery, medical fees and pharmaceutical
products, prescribed by the attending doctor.
The assistance company’s medical team will maintain the
telephone contacts necessary with the center and with the
doctors who attend to the insured to supervise the
provision of proper health care.
The implementation of this cover is subject to the prior
approval of the assistance company, unless in case of force
majeure or if the Insured person is unconscious or unable to
contact the assistance company on medical grounds or
he/she is medically incapacitated
As an exception to the General Exclusions related to
epidemics and/or pandemics declared by the world health
organization the Insured person is covered under the same
terms if he/she falls ill with an infectious disease during the
trip, except in the cases referred to in specific exclusions
hereafter.
Specific exclusions:
In addition to the General Exclusions, urgent medicines
costs are not covered when the Insured person:
- has travelled to/from a country, specific area or event
where a regulatory authority has advised against all
travel;
- failed to obtain any recommended vaccines,
inoculations or medications prior to his/her trip.
This cover is subject to a limit provided by the referred plan.
EMERGENCY MEDICAL EVACUATION AND REPATRIATION
In the event of an Accident or Sudden Illness, that is not pre-
existing and which is acute, the Company will take charge of
transferring the Insured to a properly equipped health
centre or repatriating to his/her usual country of residence.
The Assistance Company’s medical team will maintain the
telephone contacts necessary with the doctors attending to
the Insured and will decide which health centre the Insured
is transferred to or whether repatriation is necessary,
depending on the situation or gravity of the state the latter
is in.
The Assistance Company will arrange the evacuation, using
the means it deems suitable, based on the medical
evaluation of the seriousness of the Insured’s condition.
These means may include air ambulance, surface
ambulance, regular airplane, railroad or other appropriate
means. All decisions relating to the means of transportation
and final destination will be made by The Assistance
Company.
Approval and arrangements shall be taken from the
Assistance Company. In case any transportation or
arrangement is made without obtaining prior approval from
the Assistance Company, fees shall be paid by the Insured.
As an exception to the General Exclusions related to
epidemics and/or pandemics declared by the World Health
Organization, the Insured person is covered under the same
terms if he/she falls ill with an infectious disease during the
trip.
NOTE: The Assistance Company cannot act as a substitute
for local, national or international emergency help or
search organisations and does not pay for the expenses
incurred because of their intervention. Thus, the
Assistance Company shall not pay for the transportation
from the place where the Accident or Illness occurred to a
medical facility.
This cover is subject to a limit provided by the referred plan.
3. EMERGENCY DENTAL CARE 6.
In case of emergency, the company will provide the insured
party with the dental assistance required abroad. However,
this coverage is restricted to the treatment of pain, infection
and removal of the tooth/teeth affected. Fillings and false
teeth are excluded from this cover. The implementation of
this cover is subject to company’s priori agreement.
This cover is subject to a limit provided by the referred plan.
4. REPATRIATION OF MORTAL REMAINS
In the event of the Insured person’s death Abroad, the
Assistance Company arranges and pays for the
transportation of the body or ashes from the site where the
deceased is laid to the nearest international airport to the
burial site in the Country of Residence.
The Assistance Company pays for the transportation
expenses and the related expenses up to the maximum
amount as specified in the Benefits Schedule.
As an exception to the General Exclusions related to
epidemics and/or pandemics declared by the World Health 7.
Organization, the Insured person is covered under the same
terms if he/she falls ill with an infectious disease during the
trip.
In addition to the General Exclusions, ceremony, funeral
procession, burial or incineration expenses within the
Country of Residence are not covered.
The Assistance Company alone is responsible for choosing
the companies to be involved in the repatriation process.
5. REPATRIATION OF FAMILY MEMBER TRAVELLING WITH
THE INSURED 8.
Should the insured be hospitalized due to sudden illness or
accident for more than ten days or deceased, the company
will meet the cost of repatriating one immediate family
member accompanying the insured at the moment of the
event, to his usual place of residence, when the latter is
placed in the same country of residence of the insured, and
provided this immediate family member is unable to travel
by his/her own means of transport or the means of
transport used for the initial trip.
9.
This cover is subject to a limit provided by the referred
plan
RETURN OF CHILDREN
In the event of accident or illness or death of the
beneficiary and in the absence, in situ, of a beneficiary’s
close relative of legal age, the assistance company arranges
for the return home of his/her children who are less than
17 years old and who are also beneficiaries.
These children are accompanied either by a relation duly
designated and authorized by the beneficiary or one or
his/her legal successors, or, failing that, a qualified staff
member.
The assistance company arranges and pays for the economy
class return airline ticket of that accompanying person,
his/her on site hotel expenses (bed and breakfast only) for
a maximum period of 2 (two) consecutive nights up to USD
80 (eighty) per night, and also the fees and travel expenses
of the qualified staff member, if necessary.
A one-way ticket for the children is also paid for provided
that the tickets or means initially scheduled for their return
cannot be used or amended.
EMERGENCY RETURN HOME FOLLOWING DEATH OF CLOSE
RELATIVE
When an insured's trip/journey is interrupted by the death
of a close relative, the company will meet the cost of travel
to the usual country of residence, whenever he/she is
unable to travel by his/her own means of transport or the
means of transport hired for the trip. However, the insured
shall be required to furnish the evidence, documents or
certificates of the event, interrupting the journey (death
certificate).
This cover is subject to a limit provided by the referred plan.
TRAVEL OF ONE IMMEDIATE FAMILY MEMBER
In the event that the insured should be admitted to hospital
for more than ten days as a result of an accident or illness
covered in the policy, the insurer will take charge of the
transfer of an immediate family member at the insured’s
choice, from the usual country of residence of the insured,
including meeting the cost of the outbound to the place of
hospitalization, accommodation expenses and return
journey, up to a limit provided by the referred plan.
TRAVEL OF ONE EMPLOYEE OF THE SAME COMPANY
(OPTIONAL / NOT STAND ALONE)
 In the event of travel for professional reasons and in the
event that the insured should fall ill or suffer an accident 10.4 International General Assistance
that obliges him/her to be admitted to hospital for a period
of more than ten days, the insurer will meet the cost of the
return journey, to the place where the insured was located,
and in the means and class equivalent to those used by the
insured, for another executive appointed by the employer
to deputize for the insured in his/her professional functions.
Under no circumstances, the insurer assumes the cost of the
wages, salaries, subsistence allowances, accommodation,
or maintenance for that person.
This cover is subject to a limit provided by the referred plan.
SECTION B: PERSONAL ASSISTANCE BENEFITS
10. 24 HOURS ASSISTANCE SERVICES
10.1 Medical Assistance
As soon as the Assistance Company is notified about a
medical emergency resulting from the Insured’s Accident or 11. DELIVERY OF MEDICINES
Illness, the Assistance Company will contact the medical
facility or location where the Insured is placed and confer
with the Physician at that location of the Insured to
determine the best course of action to be taken.
If possible and if deemed appropriate by the Assistance
Company, the Insured’s Physician will be contacted in order
to have a better knowledge of the medical conditions of the
Insured. The Assistance Company will then analyse the
situation and recommend the most appropriate way of
providing the assistance benefits, as well as arranging 12. ADVANCE OF BAIL BOND
hospital admission of the Insured if appropriate, in
discretion of The Assistance Company.
10.2 Legal Assistance
Following an involuntary breach abroad of the laws and
regulations in force which the beneficiary might commit and
for any unqualified criminal act abroad, the assistance
company will, if required, provide him with the name of an
attorney who can represent him in any necessary legal
matters. 13.
10.3 Pre-Departure Services
Prior to the Insured’s departure, the Assistance Company
will provide basic useful information about foreign
locations, information about immunization requirements
and passport or visa requirements, general information
about weather and warnings about travel to certain
locations.
The Assistance Company will serve as a central point for
translation and communication for the Insured during
emergencies.
The Assistance Company agrees to provide to him advice on
contacting and using services available from consulates,
government agencies, translators and other service
providers that can help with travel problems.
10.5 Abroad Information Assistance about lost Luggage and
Passport Assistance
If the insured outside his country of citizenship, notifies the
assistance company that his/her luggage or passport has
been lost, the assistance company will endeavour to assist
him/her by contacting the appropriate authorities involved
and providing direction for replacing the passport or finding
the luggage.
The insurer will cover the expenses of sending medicines, in
case of emergency, which are prescribed by the doctor of
the insured, even if this prescription is previous to the trip,
and are not available at the place where she/he is staying.
This cover is subject to a limit provided by the referred plan.
The costs of the medicines are excluded from this
guarantee.
The company will advance funds for any legal bond required
on behalf of an insured up to the amount provided by the
referred plan.
The insured will be required to repay such sum as may have
been advanced within 30 days. The assistance company will
require valid credit authorization prior to any such fund
advance.
CASH ADVANCE
In the event of lost or stolen cash, credit cards or travelers’
cheques during the trip of the insured or beneficiary and in
case of emergency, the company will give a cash advance up
to the amount provided by the referred plan.
 The beneficiary undertakes to fill and duly sign an
acknowledgment of debt which shall be handed over to the
assistance Company’s provider.
This will be reimbursed within 30 days from the date of the
service.
14. CONSULAR REFERAL
Upon request of the insured, the assistance company will
provide him/her consular references.
15. EMERGENCY TRAVEL & ACCOMMODATION
ARRANGEMENT
Upon request, in case of emergency, the assistance
company provides information to the insured about hotels
in the country where he/she is travelling and can book an
accommodation for him/her.
16. TRAVEL INFORMATION
Upon request, the assistance company provides
information to the insured about the country where he/she
is travelling, that include visa requirements, immunization
and inoculation recommendations, embassy and consulate
information, country-specific details and security advisories
as well as other pertinent information for travel
destinations.
17. LEGAL DEFENSE
The insurer will cover the expenses of legal defence abroad
of the beneficiaries in the penal or civil procedures which
are generated against the beneficiaries as a result of false
arrest or wrongful detention.
This cover is subject to a limit provided by the referred plan.
18. HIJACKING IN MEANS OF PUBLIC TRANSPORT
The insurer will pay the insured distress compensation for
every 24 hours during any common carrier in which the
beneficiary is travelling has been hijacked.
This cover is subject to a limit provided by the referred plan.
SECTION C: LOSSES & DELAYS BENEFITS
19. LOSS OF PASSPORT, DRIVING LICENSE, NATIONAL
IDENTITY CARD ABROAD
In case of loss of the insured's passport, driving license,
national identity card while abroad, the company will take
charge of the expenses of the replacements necessary for
obtaining a new passport driving license, nation al identity
card or equivalent consular document.
This cover is subject to a limit provided by the referred plan.
20. COMPENSATION FOR IN-FLIGHT LOSS OF CHECKED-IN
BAGGAGE
The company will supplement the compensation for
which the carrier is liable, as a sum of both compensation
payments, for the collection of baggage and possessions
checked in by each insured, in the event of loss during the
carriage by air performed by the carrier company, for the
purpose of which the insured shall furnish a list of the
contents including the estimated price and date of purchase
of each item, as well as the settlement of the compensation
payment by the carrier.
Compensation payment for loss will be calculated according
to the procedures recommended by international carriage
by air organizations.
The minimum period of time that must elapse for the
baggage to be considered to have been lost once and for all
will be that stipulated by the carrier company shall not be
less than 21 days.
This cover is subject to a limit provided by the referred plan.
Exclusions:
• the means of payment, (cash, bank notes, cheque books,
bank cards or credit cards),
• the tickets, documents, manuscripts, business papers,
passports, and other identity documents,
• perfumes, perishable commodities and, in general, food.
21. COMPENSATION FOR DELAY IN THE ARRIVAL OF LUGGAGE
In the event of a delay of more than 12 hours in delivering
the baggage checked in, since the arrival of the flight on an
IATA member airline, the company will cover up to a limit
specified by the selected plan for each insured person, to
purchase prime necessity items (those that are
indispensable while the insured awaits the arrival of the
delayed baggage), provided that the relevant original copies
of the invoices are furnished.
This cover is subject to a limit provided by the referred
plan.
 All such claims shall be accompanied by documents duly
certified by the airline attesting to the occurrence of the
event.
22. MISSED DEPARTURE/ FLIGHT BENEFITS
The insurer will pay the insured, up to the amount provided
by the referred plan, for reasonable additional
accommodation and travel expenses, if the insured arrives
at his last departure point from the country of residence,
too late to board his booked flight, as a result of the
following:
A. Scheduled public transport services failing to get him to its
destination in time due to strike, industrial action, adverse
weather conditions or mechanical breakdown.
B. The private motor vehicle in which the insured were
travelling suffering from a mechanical breakdown or failure.
C. The private motor vehicle in which the insured were
travelling being directly involved in a road traffic accident,
which result in mechanical breakdown or failure.
All such claims shall be accompanied by the following
documents:
• a written formal attestation from the public transport
services certifying the occurrence of the event.
• a copy of the fixing invoice by the garage
• a copy of the police / local authorities report
Specific exclusions:
• any upgrade in accommodation.
• any claim arising as a result of the insured not having taken - any delay that occurs on charter or non-regular flights.
reasonable steps to complete the journey to the departure - any delay or late arrival due to the temporary or definitive
point on time.
• any claim, if the adverse weather, strike, or industrial action or by the civil aviation authorities, or by a similar
was in existence or publicly declared before the insured
started his journey to the departure point.
• any claim in respect of mechanical breakdown or failure if
the private motor vehicle has not been properly serviced
and maintained.
• any repair costs to the private motor vehicle of the insured.
• any claims for vehicle breakdown or failure, which are not
substantiated by a written report from a rescue service or 24. LOCATION AND FORWARDING OF BAGGAGE AND
properly qualified and commercially established provider of
garage services.
23. DELAYED DEPARTURE
When the departure of the common carrier contracted by
the insured for travelling is delayed by at least 12 hours, the
company, subject to presentation of the corresponding
original invoices, shall reimburse any additional expenses
incurred (transport and hotel accommodation, as well as
meals) as a result of the said delay, with the following limits
in accordance with the plan selected:
A) Traveller Plan: Area 2 & Area 3
- up to USD$ 250, for delays in excess of four (4) but less than
twelve (12) hours;
- up to USD$ 500, for delays in excess of twelve (12) but less
than eighteen (18) hours;
- up to USD$ 750, for delays in excess of eighteen (18) but less
than twenty-four (24) hours;
- up to USD$ 1000, for delays in excess of twenty-four (24)
hours.
B) Pearl Plan and Family Plan: Area 2 & Area 3
- up to USD$ 125, for delays in excess of four (4) but less than
twelve (12) hours;
- up to USD$ 250, for delays in excess of twelve (12) but less
than eighteen (18) hours;
- up to USD$ 375, for delays in excess of eighteen (18) but less
than twenty-four (24) hours;
- up to USD$ 500, for delays in excess of twenty-four (24)
hours.
This guarantee duly excludes any delay that is a direct
consequence of a strike called by employees belonging to
the airline company and/or the departure or arrival airports
for the flight, or to service companies subcontracted by the
same.
Also excluded from this guarantee are:
withdrawal of an aircraft ordered by the airport authorities,
organization, and/or which has been announced prior to the
date of departure of the beneficiary’s travel.
The benefit from this cover is not cumulative with the
compensation for delay in the arrival of luggage cover
benefit.
PERSONAL EFFECTS
The company will furnish the insured with advice on
reporting the robbery or loss of his/her baggage and
personal possessions and will collaborate in arrangements
for locating them.
 In the event that the aforesaid possessions should be
recovered, the company will take charge of forwarding
them to the place of the trip planned by the insured or to
his/her usual country of residence.
In this event, the insured is under an obligation to return the
compensation received for the loss in accordance with this
policy.
Conditions and limitations applicable to SECTION C:
- the insured must obtain written confirmation from the
carriers or their agents of the actual date and time of
departure and the reasons for delay before a claim is
considered under this section of the policy.
- claims under this section shall be calculated from the actual
time of departure of the conveyance on which the insured
was booked to travel, as specified in the booking
confirmation.
SECTION D: PERSONAL ACCIDENT IN MEANS OF PUBLIC
TRANSPORT
MEANS OF PUBLIC TRANSPORT COVER:
Insurance covers accidents the insured may suffer at the
means of transport used during the trip, including public
means of transport (taxis, buses, microbuses, coaches) used
by the insured to get from his usual place of residence to
the boarding point (airport, sea port, bus station) and from
the point of arrival to the place of accommodation, as well
as the return journey under the same conditions. 26. PERMANENT DISABILITY
The indemnity limit for each cover is that provided at the
plan selected of the policy or at the individual insurance
certificate.
25. ACCIDENTAL DEATH OCCURRED IN MEANS OF PUBLIC
TRANSPORT
1. Where an accident should lead to the death of the insured,
the insurer shall pay the beneficiary the sum determined for
this eventuality.
2. If, prior to the death, the insurer should have paid an
indemnity for disability, as a result of the same accident and
this had occurred in less than one year, it shall indemnify
the difference between the amount paid and the insured
sum in the event of death. Should the indemnity already
paid out be greater, the insurer shall not lay claim to the
difference.
3. If, upon the death of the insured, there should be no
designated beneficiary, nor rules to decide upon one, the
insured sum shall go on to form part of the insured’s estate.
Where there are several beneficiaries, and except
agreement to the contrary, payment of the sum insured
shall be divided equally between them, or in proportion to
their share of the estate, where those designated are the
legal heirs. That part not received by a beneficiary shall
augment all the others, except agreement to the contrary,
except in the case where any of them should be a wilful
causer of the accident. In such a case, any designation in
favour of the same shall be deemed null and void and the
corresponding part not received shall go on to form part of
the policyholder’s estate.
In order to obtain payment of the insured sum, the
beneficiaries should furnish the insurer with the following
documents:
A. insured’s birth certificate and literal death certificate.
B. those that prove the beneficiaries’ identity. Should they be
the legal heirs, it shall also prove necessary to present the
declaration of heirs decreed by the competent court.
C. where the beneficiaries are duly designated in a will, a
certification from the general registry of last wills and
testaments or local equivalent authority, together with a
first copy thereof, will be required.
D. letter of payment or declaration of exemption from
inheritance tax, duly issued by the corresponding tax
delegation or local equivalent authority.
1. This shall be deemed to consist of the permanent anatomic
loss or lack of functionality or limbs or organs as a result of
an accident. The coverage threshold is from 10% disability.
The amount of the indemnity shall be determined by
applying to the sum insured the percentages established in
the following injury table:
 B. In order to determine the said percentages, neither the
insured’s profession or age, nor any other factor not
Injury Table %
included in the table shall be considered.
Head and nervous system C. The accumulation of all the disability percentages arising
Complete mental derangement 100
Maximum expression of epilepsy 60 from the same accident shall not give rise to an indemnity
Total blindness 100 of over 100 per cent.
Loss of one eye or the sight thereof, where the other had previously
been lost
70 D. The total lack of functionality of some limb or organ shall be
Loss of one eye, while conserving the other, or reduction of binocular considered as total loss thereof.
25
vision to 50% E. The sum of diverse partial percentages related to the same
Operated bilateral traumatic cataract 20
limb or organ shall not exceed the percentage of indemnity
Operated unilateral traumatic cataract 10
established for the total loss thereof.
Total deafness 50
Total deafness in one ear, having previously lost hearing in the other 30
F. Those types of disability not expressly specified shall be
Total deafness in one ear 15 indemnified by analogy with other cases that do appear
Total loss of sense of smell or taste 5
Total mutism with impossibility of emitting coherent sounds 70
therein.
Ablation of the lower jaw 30 G. Partial limitations and anatomic losses shall be indemnified
Grave disorders in the articulations of both jawbones 15
proportionally, with respect to the total loss of the affected
Spine
Paraplegia 100
limb or organ.
Quadriplegia 100 H. In the event that, prior to the accident, some member or
Mobility limitations as a result of vertebral fractures, without
neurological complications or grave deformations of the spine: 3 per 20
organ suffered amputations or functional limitations, the
cent for each vertebra affected percentage of the indemnity shall be the difference
Barré-Liéou syndrome 10
between the pre-existing disability and that present after
Thorax and Abdomen
Loss of a lung or a reduction to 50 per cent of lung capacity 20
the accident.
Nephrectomy 10
Enterostomy 20 2. for the purposes of the definitive indemnity, the degree of
Splenectomy 5
disability shall be determined by the insurer whenever the
Upper Limbs
insured’s physical condition is medically recognized as being
Amputation of an arm from the articulation of the humerus 100
Amputation of an arm at the level of, or above, the elbow 65
definitive and the corresponding medical certificate of
Amputation of an arm below the elbow 60 incapacity is provided. Where twelve months pass from the
Amputation of a hand at the level of, or below, the wrist 55
date of the accident, without the above being established,
Amputation of four fingers of a hand 50
Amputation of a thumb 20 the insured may request from the insurer a further period
Total amputation of an index finger or two joints thereof 15 of up to twelve months more, after which time the latter
Total amputation of any other finger or two joints thereof 5
Total loss of movement of a shoulder 25
must determine the disability on the basis of what it
Total loss of movement of an elbow 20 believes, will be the definitive condition.
Total paralysis of the radial, cubital or median nerve 25
Total loss of movement of a wrist 20
Pelvis and Lower Limbs
3. should the insured not accept the insurer’s proposal, duly
Total loss of movement of a hip 20
made in accordance with the medical certificate of
Amputation of a leg above the knee 60 incapacity and in line with the scale outlined in the policy,
Amputation of a leg, while conserving the knee 55 the following rules shall apply:
Amputation of a foot 50
Partial amputation of a foot, while conserving the heel 20 A. Each party shall appoint a medical expert and their written
Amputation of a big toe 10 acceptance must be duly recorded. Should one of the
Amputation of any other toe 5
Shortening of a leg by 5 cm or more 10
parties not make such an appointment, he shall be obligated
Total paralysis of the external popliteal sciatic nerve 15 to do so within eight days of the date on which the party
Total loss of movement of a knee 20 who had done so requires him to comply; should the former
Total loss of movement of an ankle 15
Serious walking difficulties subsequent to the fracture of one of the
still not name anyone within this period, it shall be taken
10
heel bones that he accepts the report issued by the other party’s
appraiser and he shall be duly bound by it.
Applying the table of injuries shall be governed by the B. Where the experts reach an agreement, this shall be
following principles: reflected in a joint report, which shall state the causes of
the loss, the degree of disability, any other circumstances
A. When the injuries affect the non-dominant upper limb, the that have a bearing on the determination of the same and
left of a right-handed person or vice versa, the indemnity the corresponding percentage of indemnity proposed.
percentages for the same shall be reduced by 15 per cent, C. Where no agreement between the medical experts is
except in case of a hand amputation related to a foot forthcoming, both parties shall agree on the designation of
amputation.
 a third appraiser. Should this agreed designation not prove
possible, this shall be incumbent on the competent judge
corresponding to the insured’s address, under the insured’s
country law of civil procedure.
27. PERMANENT TOTAL DISABLILITY
Where an accident should lead to the permanent total
disablement of the insured, the insured shall be indemnified
by the assistance company up to the maximum amount as
specified in the benefits table.
Specific exclusions for personal accident (SECTION D)
1. In addition to the general exclusions to all the guarantees of
this policy, the insurer does not cover the consequences
originated or produced by the following:
A. bad faith on the part of the insured or those intentionally
caused by the same, except where the damage was
sustained in order to avoid something worse.
B. wars, with or without prior declaration, and any conflicts or
international interventions using force or duress. Events
arising from terrorism, mutiny or crowd disturbances. As
well as damage caused during the course of strikes.
C. events or actions of the armed forces or security forces in
peacetime.
D. extraordinary natural phenomena such as floods,
earthquakes, landslides, volcanic eruptions, atypical
cyclonic storms, falling objects from space and aerolites,
and in general any extraordinary atmospheric,
meteorological, seismic or geological phenomenon.
E. fall of sideral bodies and meteorites.
F. those derived from radioactive nuclear energy.
G. those caused when the insured takes part in bets,
challenges or brawls, except in the case of legitimate
defence or necessity.
H. accidents caused by the insured’s participation in criminal
acts, or as a result of his/her fraudulent, seriously negligent 28. PERSONAL CIVIL LIABILITY
or reckless actions.
I. accidents suffered as a result of being inebriated or under 1. The company guarantees the insured to pay the
the effect of drugs, toxics or narcotics. Inebriation shall be
taken to mean when the blood alcohol level is greater than
0,50 grams per 1 000 cubic centimetres, or the insured is
fined or convicted for this cause.
J. intoxication or poisoning from the consumption of
foodstuff.
K. injuries that are a consequence of surgical operations or
medical treatments not brought about by an accident 2. Save express agreement to the contrary, the company will
covered by the policy.
L. illnesses of any kind, fainting fits, syncope, strokes, epilepsy
or epileptiform and caused by any kind of loss of
consciousness as a result of an accident as the latter is
defined in the definitions of these general conditions.
2. The consequences of accidents that occurred prior to the
coming into force of this insurance are also excluded,
despite the fact that they become apparent during its
lifetime, as well as the consequences or after -effects of an
accident covered which become apparent after the three
hundred and sixty-five days subsequent to the date on
which it occurred.
3. The consequences of the following are excluded from the
guarantee object of this contract:
A. engaging in the following sports: motor racing or
motorcycle racing in any of its modes, big game hunting,
underwater diving using artificial lung, navigation in
international waters in craft not intended for the public
transport of passengers, horse riding, climbing, pot holing,
boxing, wrestling in any of its modes, martial arts,
parachuting, hot air ballooning, free falling, gliding and, in
general, any sport or recreational activity that is
notoriously dangerous.
B. participation in competitions or tournaments organized by
sporting federations or similar organizations.
C. the use, as a passenger or crew, of means of air navigation
not authorized for the public transport of travellers, as well
as helicopters.
D. accidents due to a physical or manual risk activity (paid or
not) such as: driving of vehicles, use of machinery, loading
and unloading, work in heights/levelling or confined
locations, assembly of machinery, undertaking work on
floating or underwater/sub-aquatic platforms, mines or
quarries, use of chemical substances, laboratories of any
kind, and any other dangerous activities.
SECTION E: CIVIL LIABILITY BENEFITS
compensation for which the insured may be civilly liable by
law, for bodily or material damages caused involuntarily to
third parties and products during the lifetime of the
insurance contract, according to the definitions, terms and
conditions set out in the policy and for incidents arising from
the risk specified therein.
assume the legal supervision as regards the claim by the
damaged party, and will meet the cost of the defence
expenses that arise. The insured shall provide the
 collaboration necessary to assist the legal supervision
assumed by the company.
3. If in the court procedures brought against the insured
there should be a conviction, the company will decide
whether it is appropriate to appeal to the competent
higher court; if it does not deem the appeal appropriate, it
will inform the insured thereof, and the latter will be free to
lodge it on its own exclusive account. In this latter event, if
the appeal lodged were to give rise to a sentence favourable
to the interests of the company, it will be obliged to meet
the cost of the expenses arising from such appeal.
4. When any conflict arose between the insured and the
company, prompted by the latter having to maintain in the
loss interests contrary to the defence of the insured, the
company will inform the insured thereof, without prejudice
to taking the measures which, because of their urgent
nature, are necessary for the defence. In this case, the
insured may choose between maintaining the legal
supervision provided by the company or entrusting its own
defence to another person. In this last event, the company
will be obliged to pay the expenses of such legal supervision.
When in the civil part an amicable agreement was reached,
the defence in the criminal part is discretionary on the part
of the company and is subject to the prior consent of the
defendant.
This cover is subject to a limit provided by the referred
plan.
28.1 Recoveries
In the event of concurrence of the company and of the
insured against a liable third party, the amount recovered
will be shared out between them both in proportion to their
respective interest.
28.2 Specific exclusions to Personal Civil Liability cover:
In addition to the general exclusions, applicable to all
coverage and sections of this policy, the consequences of
the following events and damages are not covered:
A. Damage which has its origin in the breach of or voluntary
failure to observe positive legal rules or of those governing
the activities object of the insurance.
B. Damage to goods or animals that are in the possession of
the insured, or the person for whom the latter is
answerable, for his/her own use, or that have been
entrusted or rented out to him/her to use, look after,
transport, use for working purposes or operate.
C. Damage caused by the contamination of the ground, waters
or the atmosphere, unless the cause thereof should be
accidental, sudden and unforeseen or not anticipated by the
insured.
D. Damage caused by risks that should be object of compulsory
insurance cover.
E. Damage arising from the use and running of motor vehicles,
and of the elements towed or incorporated therein.
F. The contractual obligations of the insured.
G. Damage caused to ships, aircraft or any device destined for
navigation or water or air support or caused by them.
H. Damage caused by the transport, storage and handling of
corrosive, toxic, inflammable and explosive substances and
gases.
I. The payment of penalties and fines, as well as the
consequences of failure to pay them and the furnishing of
court bonds to guarantee the criminal results of the
procedure.
J. Liability arising from labour accidents sustained by the
personnel in the service of the insured.
K. Damage caused by products, completed works and services
rendered, after they have been delivered to clients or after
they have been rendered.
L. Damage caused to movable or immovable property which,
for their use or enjoyment, handling, transformation, repair,
safe-keeping, deposit or transport, have been entrusted,
assigned or rented to the insured, or which are in his/her
possession or sphere of control.
M. Financial losses that are not the consequence of a material
damage covered by the policy, as well as the financial losses
that are the consequence of a bodily harm or material
damage not covered by the policy.
N. Damage caused by engaging in obviously dangerous sports,
such as mountaineering, underwater activities, shooting or
similar.
O. Injury to employees of the insured.
P. Liability arising out of:
- any wilful act or misconduct;
- the carrying on of any trade profession or business.
Q. Liability to members of the insured's family or any
employee.
R. Liability for which indemnity is provided to the insured
under any other insurance.
 SECTION F: CANCELLATION OR CURTAILMENT
29. CANCELLATION OR CURTAILMENT
What is covered
The Assistance Company will pay, up to the sum insured as
specified in the Benefits Schedule per trip for all
Beneficiaries, for all non-recoverable deposits, advance
payments and other charges paid or due to be paid by or on
behalf of the Beneficiary for travel and accommodation and
also for reasonable and necessary extra travel or
accommodation expenses for return to the Beneficiary’s
Country of Residence in the event of a covered trip being
reasonable and necessarily cancelled or curtailed because
of:
The death, body injury, Illness or complication of pregnancy
of:
- the Beneficiary, or any person with whom 29.2 he/she is
travelling or has arranged to travel with, or any person with
whom he/she has arranged to reside temporarily,
- a Beneficiary’s Close relative,
- the Beneficiary’s business associate.
As an exception to the General Exclusions related to
epidemics and/or pandemics declared by the World Health
Organization, the Beneficiary is covered under the same
terms if before travelling:
- the Beneficiary falls ill at Home with an infectious disease
and cannot travel;
- the Beneficiary or a Close Relative has to self-isolate at
Home because of an infectious disease and cannot travel
Abroad (subject to medical certification);
- the Beneficiary has been denied boarding at airport due to
detected symptoms of an infectious disease.
- The destination the Beneficiary is travelling is subject to
travel restrictions by Ministry of foreign affairs, or denial of
entry by the local authorities, or is required to quarantine
upon arrival (or upon return Home);
As an exception to the General Exclusions related to
epidemics and/or pandemics declared by the World Health
Organization, the Beneficiary is covered under the same
terms if during the trip, travel restrictions29.3
are imposed
asking to the Beneficiary to return at Home 29.4 due to a
pandemic illness 29.5
29.6
- jury service attendance or being called as 29.7
a witness at a
Court of Law of the Beneficiary or any person 29.8with whom
he/she is travelling or has arranged to travel29.9
with;
- redundancy which qualifies for payment under the current
redundancy payment legislation in the Country of Residence
and at the time of booking the trip there was no reason to
believe anyone would be made redundant of the
Beneficiary or any person with whom he/she is travelling or
has arranged to travel with.
- the withdrawal of leave for members of the Armed Forces,
Police, Fire, Nursing or Ambulance Services or employees of
a Government Department, provided that such cancellation
or curtailment could not reasonably have been expected at
the time of receiving these benefits or booking the trip
(whichever is the later).
- the Police requesting the Beneficiary, within seven (7) days
of his/her departure date, to remain at or subsequently
return to his/her home due to serious damage to his/her
home caused by fire, aircraft, explosion, storm, subsidence,
malicious person or theft.
Specific conditions
- The Beneficiary must obtain a medical certificate from
his/her treating medical practitioner and prior approval of
the Assistance Company to confirm the necessity to return
Home prior to curtailment of the trip due to death, body
injury or illness.
- If the Beneficiary delays or fails to notify the travel agent,
tour operator or provider of transport/accommodation, at
the time it is found necessary to cancel the trip, the
Assistance Company’s liability shall be restricted to the
cancellation charges that would have applied had failure or
delay occurred,
- If the Beneficiary cancels the trip due to body injury or
illness, he/she must provide a medical certificate form the
medical practitioner treating the injured person, stating
that this necessarily and reasonable prevented him/her
from travelling,
- In the case of curtailment, claims will be calculated from the
day the Beneficiary returned to his/her Country of
Residence or the day he/she was admitted to hospital or
confined to his/her accommodation, and bases on the
number of complete days of his/her trip he/she has not
used or which he/she was hospitalized, quarantined or
confined to his/her accommodation.
 Specific exclusions
In addition to the General Exclusions, the underlisted are
not covered:
- pre-existing medical conditions predating the first
subscription of the Policy and having given rise to a
consultation, hospitalisation or other medical treatment
within the six (6) months prior to the request for
assistance;
- the excess specified in the Benefits Schedule applied per
claim and per Beneficiary;
- the cost of recoverable airport charges and levies;
- any claim arising directly or indirectly from redundancy • his name and surname;
caused by or resulting from misconduct leading to • the number and the validity of his insurance policy;
dismissal or from resignation or voluntary redundancy or • the number of the travel agreement: 0804161
where a warning or notification of redundancy was given
prior to the date these benefits became effective or the
time of booking any trip (whichever is the earlier);
- any claim arising directly or indirectly from circumstances
known by the Beneficiary prior to the date these benefits • brief description of the event.
became effective or the time of booking any trip
(whichever is the earlier) which could reasonably have
been expected to give rise to cancellation or curtailment
of the trip;
- travel tickets paid for using any airline mileage reward
scheme, for example Air Miles or any card bonus point
schemes;
- accommodation costs paid for using any timeshare,
Holiday Property Bond or other holiday points scheme;
- normal pregnancy from the 26 week;
th
- failure to obtain the required passport or visa;
- any unused or additional costs incurred by the Beneficiary
which are recoverable from the providers of the
accommodation, their booking agents, travel agent or
other compensation scheme;
- any unused or additional costs incurred by the Beneficiary
which are recoverable from the providers of the 31. IMPLEMENTATION OF COVERAGES
transportation, their booking agents, travel agent,
compensation scheme or financial protection scheme
(such as but not limited to Air Travel Organisers' Licensing);
- any unused or additional costs incurred by the Beneficiary
which are recoverable from the Beneficiary’s credit or
debit card provider or PayPal;
- any claim arising from a reason not listed in the 'What is
covered' section (clause 29.1 above);
- any claim where the Beneficiary cannot travel or chooses
not to travel because of Government or regulatory
authority restrictions or advices relating to a pandemic
declared by the World Health Organisation.
GENERAL CONDITIONS FOR APPLICATION
30. OBLIGATIONS OF THE BENEFICIARY
As soon as a covered event occurs and before taking any
initiative or incurring any expense, the Beneficiary or any
person acting on his behalf should contact the Assistance
alarm center, which is operational 24/7, within five days of
knowledge of the event.
He must provide the following information:
• the date of entrance in the inbound country;
• the telephone number on which the Beneficiary can be
reached;
• the name, address and telephone number of the admission
hospital;
Under no circumstances the Assistance company be held
liable for refunding any expense incurred without prior
agreement that shall be validated by the Assistance
company through a file number.
The Assistance alarm center can be reached
By phone: +33 (0) 1 49 65 25 21
By mail: servicemedical.ame@axa-assistance.ma
The insured and the assistance company cannot act as a
substitute for local, national or international emergency
help or search organizations and does not pay for the
expenses incurred because of their intervention unless
there is a contractual stipulation to the contrary.
The Assistance Company becomes involved within the
scope fixed by national and international laws and
regulations.
The Assistance Company reserves the right, prior to any
intervention of its service provisions, to check the reality of
the event insured and the validity of the request made by
the Beneficiary.
The Assistance Company cannot be held liable for any
damage of a professional or commercial nature suffered by
a Beneficiary following an event which needed the
intervention of the assistance services.
 BENEFITS JUSTIFICATIVE DOCUMENTS TO PROVIDE Identity Card • Copy of the new documents (passport,
TO THE INSURER Abroad identity card….)
Medical Assistance • IBAN
Emergency • Statement of theft or loss issued by relevant
• Detailed medical report
Medical local authorities,
• Invoice of the transportation
Evacuation and • • Original invoice of the tax stamp.
Copy of passport and round-trip ticket
Repatriation Travel Convenience
Medical • Original invoices Delayed • Certificate of the travel policy
Expenses and • Medical prescription check by the medical Departure • N° of the file
Hospitalization staff if it is an emergency
• An official document of the airline company
Abroad • Name of the beneficiary and IBAN with all the details of the delay
Emergency • Original invoices of dental fees • A copy of the boarding card
Dental Care • Medical prescription acceptance if it is an • The airline company’s compensation notice
emergency • The originals (copy of those invoices is
• Name of the beneficiary and IBAN accepted if the originals are sent to the
Repatriation of • Death certificate airline for indemnification) of invoices for
Mortal Remains • Original invoice of the body repatriation the expenses incurred during the delay
• The proof of payment • Inventory of all the essential items (toilets
• Name of the beneficiary and IBAN items and essential clothes…)
• Depending on cases a heredity certificate • IBAN + form filed by customer with bank
Cash Advance • Detailed medical report with the dates of details
hospitalization Legal Assistance
Travel of One • Detailed medical report + dates of
Immediate hospitalization (10 days) Legal Defense • Number of the file when the beneficiary
Family Member • Invoices of plane ticket called the assistance service
• Official proof of family link • The original invoice
• Copy of passport and round-trip plane ticket • The proof of payment
Return of • Detailed medical report of death certificate • An official document from the bank with all
children • Invoices of the hotel and plane ticket for the the bank details
accompanying person • Name of the beneficiary
• Official proof of family link • IBAN
• Copy of passport and the round-trip plane Advance on bail • Number of the file when the beneficiary
ticket bond called the assistance service
Emergency • Death certificate • The original of the invoice of the deposit
Return Home • Invoices of plane tickets • IOU
Following Death • Official proof of family link Personal & Travel Accident
of Close Relative Personal • The names and surnames of the responsible
Cancellation & Curtailment Accident in third party and any witnesses,
Means of Public • The number of the Policy,
Cancelation or • Detailed medical report Transport • Any document necessary to understand the
Curtailment • Proof of medication and medical analysis
facts, the nature, the circumstance, the
• Copy of the contract
place, and the date of the event,
Baggage, Personal Money, and Travel Documents • A copy of the Beneficiary’s birth certificate,
• A copy of the identity document certifying
Compensation • The travel certificate and the N° of the file
the status of the assignee,
for In-Flight Loss • The luggage Irregularity Report delivered by
• The final notification of the attribution of an
of Checked-In the air carrier
invalidity pension,
Baggage • The indemnification proof of the I.A.T.A.
• The Hospitalization report and the medical
affiliated Airline company
certificate including the date of the first
• The luggage receipt clearly showing the medical act, the description of the injuries
weight of the luggage lost and cares, as well as the consequences that
• IBAN + form filed by customer with bank may follow.
details
Loss of Passport, • Certificate of the travel policy
Driving License, • N° of the file
National • Declaration of the loss of theft of the
personal effects
32. EXCEPTIONAL CIRCUMSTANCES
The Assistance Company’s commitment is based on an
obligation of means (obligation de moyens) and not one of
results (obligation de résultat).
The Assistance Company cannot be held responsible for
non-performance or delays or difficulties in performing
the agreed services caused by civil or foreign war whether
declared or not, general mobilisation, requisition of men
and/or materials by the authorities, act of sabotage or
terrorism, social unrest including strike, riot and popular
uprising, restriction of the free movement of goods and
persons, natural disasters, effects of radioactivity,
epidemic, pandemics, infectious or chemical risk or any
other accident or case of force majeure.
EXCLUSIONS
33. GENERAL EXCLUSIONS
In addition to the exclusions specified under the terms of
the Policy, all consequences of and/or events resulting -
from the following are also excluded:
- circumstances provoked intentionally by the Beneficiary;
- involvement in fights, except in case of self-defence, and
in bets, dares, duels or crimes;
- the professional practice of any sport and the amateur
practice of any aerial, self-defence or combat sport;
- participation in endurance or speed competitions or -
events and trials in preparation therefore on any form of -
land, water or air locomotive means;
- failure to respect the recognised safety rules for the -
practice of any sporting or other leisure activity;
- the consequence of practising the following sports or
activities: mountaineering requiring or not the use of
equipment, trekking, rock climbing, bobsleigh, skeleton,
potholing, parachuting, acrobatic ski jumping, undersea
diving involving the use or not of autonomous equipment,
aerial sports such as gliding, hang-gliding, flying wing
(motorised and non-motorised) and all similar machines
(notably micro-lights and ULM), flying air navigation craft, 34. LIFE OR DEATH SITUATION
air navigation control device, aerial sports ;
- official bans, injunctions and restrictions imposed by the
forces of law and order;
- epidemics and/or pandemics declared by the World Health
Organisation and their consequences
- effects of pollution, natural disasters and their
consequences;
- any intervention initiated and/or organised at government
or intergovernmental level by any governmental or non-
governmental authority or organisation.
- benign affections or lesions which can be treated on the
spot;
- non-urgent affections which do not require immediate
medical care;
- pre-existing illness predating the first subscription of the
Policy and having given rise to a consultation,
hospitalisation or other medical treatment within the 6
months prior to the request for assistance;
- convalescence;
- affections under treatment at the first subscription of the
Policy and not yet stabilised and/or requiring subsequent
scheduled treatment and possible follow-up measures
(examination, additional treatment, foreseeable and
recurrent complications);
- surgical treatments and interventions of an aesthetic
nature not resulting from an Accident;
- pregnancy conditions and their consequences,
miscarriages and ectopic pregnancies and their
consequences, deliveries and their consequences
concerning the new-born babies;
- voluntary interruptions of pregnancy, amniocenteses;
- mental illnesses and their consequences, including
depressive syndromes;
- the consequences of a suicide and attempted suicide;
- the consequences of the use of medicines or drugs not
medically prescribed;
- the consequences of the alcohol abuse (blood-alcohol
level greater than that set by the regulations in force in the
country of location, deficiency syndromes as well as any
pathology directly resulting from alcohol abuse);
the consequences of the failure or inability to obtain
vaccination or treatment required or made compulsory by
a trip or travel or the repercussions of such vaccination or
treatment;
- repetitive transportation required because of the
Beneficiary’s follow up examinations, out- patient care
sessions;
any cost or expense covered by another insurance policy;
cost or expense incurred without the prior agreement of
the Assistance Company;
the medical expenses relating to check-ups, medical
examinations, scheduled or preventative screenings.
GENERAL PROVISIONS
If there is a risk of death, the Beneficiary or any other person
representing him/her must call on the medical emergency
services in place where the Beneficiary is located before
contacting the Assistance Company.
35. MAXIMUM INSRER’S COMMITMENT (MAXIMUM LIMIT)
It is agreed that if the policy is taken out in favour of one or
several insureds, who are subject to the same insured
accident caused by a same event at the same time and
if the aggregate benefits exceed €20,000,000, the
insurer’s commitments shall in any event be capped at this
 amount with respect to the total amount of benefits paid
to insureds who are subject to the same accident, the
benefits being reduced and paid on a proportional basis
with respect to the number of insureds

36. PRESCRIPTION

Any claim arising out of the Policy shall become statute-

barred two (2) years after the event which leads to it or after
any time period applicable in accordance with the law of the
Country of Residence.

37. SANCTIONS

The assistance company and the insurer shall not be

deemed to provide cover and shall not be liable to pay any
claim or provide any benefit hereunder to the extent that
the provision of such cover, payment of such claim or
provision of such benefit would expose them to any
sanction, prohibition or restriction under united nations
resolutions or the trade or economic sanctions, laws or
regulations of the European Union, United Kingdom or
United States of America.

The assistance company is subject to anti-money laundering

and counter-terrorist financing provisions. The assistance
company will not provide services to individuals or entities
subject to assets freeze measures.

The policyholder and/or the beneficiary allow the insurer to

apply any appropriate measure to fight against money
laundering and terrorist financing, as defined by the
Financial Action Task Force (FATF) recommendations.

38. APPLICABLE LAW AND JURISDICTION

The General Conditions are governed by Nigerian law.

It is agreed that any dispute arising out of an event leading

to an intervention by the Assistance Company shall be
brought before the court with jurisdiction in accordance
with applicable law.

39. DATA PROTECTION

The Beneficiary acknowledges and agrees that the Insurer:

- is committed to protect his personal data in accordance

with applicable laws and regulations;
- is acting as data controller in respect of the personal data
that the Beneficiary process under this Policy;
has implemented and will maintain within its organization
policies and technical security measures preventing any
breaches (e.g. of confidentiality) by its officers,
representatives, employees or any other third