Visa Infinite. Baggage Delay Insurance

Transcription

1 Baggage Delay Insurance

2 2 Table of Contents Section A. Introduction A.1. About this Guide A.2. Visa Infinite A.3. Definitions of the Benefits Described in this Guide A.4. General Provisions of the Program Section B. Baggage Delay Insurance B.1. General Aspects B.2. Baggage Delay Insurance General Exclusions to Benefits in Section B

3 3 Section A. Introduction A.1 About this Guide This document is intended to be used as a guide for quick reference on Baggage Delay Insurance offered to the Visa Infinite Cardholders and their beneficiaries, as defined below. Here, the cardholder will find information on Baggage Delay Insurance and coverage offered to protect Visa Infinite cardholders. The full version of the insurance policy (SUSEP Process No ), executed between Visa International Service Association ( Visa ) and AIG Seguros Brasil S/A, CNPJ/MF No / (SUSEP codes No /00 International Travel, /00 In-Country Travel). Visa acts as merely the policyholder in the insurance agreement and acts before AIG Seguros Brasil S/A on behalf of the insureds, having no obligation to make any payments in their favor. The registration of the insurance policy referred to in this guide with SUSEP does not imply, by the local authority, inducement or recommendation to its commercialization. Enjoy reading and refer to this guide whenever you have any doubts about Baggage Delay Insurance offered by your Visa Infinite Card. Below you will find some information about this product. If you want information about other benefits provided by Visa Infinite Card, visit the page A.2. Visa Infinite Visa Infinite is Visa s most complete and exclusive card, developed for special customers. It is intended for affluent consumers who are frequently travelling abroad and require the full availability of services, insurance and credit. Visa Infinite offers the inclusion of all the benefits Visa offers. The Visa Infinite Card is accepted in more than 30 million merchants, in 150 countries and territories, and can be used to withdraw cash in local currency in more than one million ATMs. For more information on the benefits provided by your Visa Infinite Card, please access or contact by phone the following numbers through toll free:

4 (Brazil), (USA and Canada) 1, or collect calls: (other countries) 1e2. 1 For calls made by mobile phone, all roaming charges are user responsibility. 2 Collect call through an international operator. A.3. Definitions of the Benefits described in this Guide* (* = specific restrictions may apply. Please refer to the specific section of the benefit in question) BENEFICIARIES: The Visa Infinite CARDHOLDER, his/her spouse and children considered ECONOMICALLY DEPENDENT, minor of 23 years of age, subject to the provisions of applicable laws. CUSTOMER SERVICE: Communication channel and available facilities (equipment, systems and staff) which purpose is to make the interface between Visa and customers. It can be accessed through the following telephone numbers: (Brazil), (USA and Canada) 1, or collect calls: (other countries) 1e2. 1 For calls made by mobile phone, all roaming charges are user responsibility. 2 Collect call through an international operator. INSURANCE COMPANY: AIG Seguros Brasil S/A, CNPJ/MF No / INSURED: An active CARDHOLDER, his/her spouse and unmarried dependent children under age 23, under the benefits provided for in Section B. SPOUSE: person related to the CARDHOLDER by marriage or common-law marriage (união estável), under the applicable laws in force. ECONOMIC DEPENDENTS: CARDHOLDER s single children and under 23 years old who cumulatively: (a) reside with the CARDHOLDER or are under his/her responsibility; and (b) are financially supported by the CARDHOLDER. This definition includes the CARDHOLDER s stepchildren. TRANSPORTATION COMPANY: company that operates a MEANS OF TRANSPORTATION, including an AIRLINE COMPANY.

5 5 AIRLINE COMPANY: company listed in the Official Airline Guide (OAG) or in the ABC World Airways guide and that has a license, certificate or similar authorization for the regular air transportation issued by the competente authorities of the country in which the aircraft is registered and, in accordance with such authorization, maintains and publishes flight schedules and service fees to passengers for flights between airports at regular and specific schedules. CLAIM FORM: document to be supplied by CUSTOMER SERVICE, upon notification of an incident or request for benefit, which must be filled out and returned together with the required documents within the deadlines for each of the benefits presented. MEANS OF TRANSPORTATION: any means of transport operated by a TRANSPORTATION COMPANY under a valid license for paid transportation of

6 6 is outside the Insured's country of card issuance with a minimum of 150 km from the Insured's place of residence. Both must satisfy any of the following characteristics: full amount of the tickets were paid with a valid Visa Infinite Card; or the tickets were purchased by redeeming points from a loyalty program, provided that the boarding fee and possible taxes due have been paid with a Visa Infinite Card; or if no boarding fee or taxes are levied, just the tickets purchased through redemption of points obtained upon utilization of the Visa Infinite Card. A.4. GENERAL PROVISIONS OF THE PROGRAM HOW DO I SUBMIT A REQUEST? The CARDHOLDER, the one designated by the CARDHOLDER or the CARDHOLDER s representative, as applicable, should contact the CUSTOMER SERVICE immediately but, in any case, within the time limit established for each of the benefits provided, even if not yet in possession of the documents that will support the CLAIM FORM. Delayed communication may result in the loss of benefit. The CUSTOMER SERVICE s operator will answer any of the CARDHOLDER s questions and send a CLAIM FORM. Upon receiving the CLAIM FORM, the CARDHOLDER, the one designated by the CARDHOLDER or the CARDHOLDER s representative, as applicable, must fill out the form and return it along with the required documentation required for each offered benefit. These documents must be submitted up to 90 days (depending on the program) from the initial contact with the CUSTOMER SERVICE to the addresses below: Claims Administrator: Visa Card Benefits Administration (VCBA) Maipú 255- Piso 17 C1084 ABE, Buenos Aires, Argentina LOSS OF BENEFITS The INSUREDS shall use their best efforts to avoid or reduce any loss or damage to the insured property under this program. INSUREDS/BENEFICIARIES will lose their right to the benefits and payment of any compensation under the terms of this program if they make any claim they know to be false or fraudulent in any respect.

7 7 CONVERTING AMOUNTS INTO FOREIGN CURRENCY The foreign currency amounts mentioned in this guide will be converted into Brazilian reais based on foreign currency s sale rate (PTAX 800) published by the Central Bank of Brazil at the day the credit card cycle is closed for the month after the incident occur and is reflect in the Account statement. In the event this information is not available, the FX rate to be used will be the one from the day before the payment of the claim.

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

9 9 B.2. Baggage Delay Insurance Introduction WE RECOMMEND THAT YOU READ SECTION A. INTRODUCTION" ABOVE BEFORE READING THE ITEM BELOW. IN PARTICULAR, THE READING OF ITEM "A.3. DEFINITIONS FOR THE BENEFITS DESCRIBED IN THIS GUIDE" AND ITEM "A.4. GENERAL PROVISIONS OF THE PROGRAM" IS FUNDAMENTAL FOR THE UNDERSTANDING OF THE CONCEPTS USED HEREINBELOW, AS WELL AS FOR KNOWLEDGE OF THE EXCLUSIONS THAT APPLY TO THIS BENEFIT. The INSUREDS will be automatically covered, up to a maximum of US$500 each, for reasonable unavoidable expenses incurred for the emergency replacement of essential items during a COVERED TRIP if, during said COVERED TRIP, the TRANSPORTATION COMPANY delays delivery of their baggage, misdirects it or temporarily loses it for over six (06) hours, or if baggage delivery is delayed as a result of TRANSPORTATION COMPANY s financial collapse. The full fare must be charged to a Visa Infinite Card. All claims must be submitted to the TRANSPORTATION COMPANY. Conditions ALL CLAIMS MUST BE SUPPORTED BY WRITTEN PROOF FROM THE TRANSPORTATION COMPANY STATING THAT BAGGAGE DELIVERY WAS DELAYED, PLUS ORIGINAL RECEIPTS FOR THE ESSENTIAL REPLACEMENT ITEMS PURCHASED AS A RESULT OF THE LUGGAGE BEING DELAYED. THE BAGGAGE MUST BE DELAYED FOR OVER SIX (06) HOURS DURING a COVERED TRIP; CONFISCATION OR SEIZURE OF BAGGAGE BY CUSTOMS OR OTHER GOVERNMENT AUTHORITY WILL NOT BE GROUNDS FOR A BAGGAGE DELAY CLAIM. THIS INSURANCE WILL ONLY CONSIDER CLAIMS FOR CLOTHING ITEMS OR ESSENTIAL ITEMS ACQUIRED AS A RESULT OF A BAGGAGE DELAY THAT ARE ACQUIRED WITHIN FOUR (04) DAYS OF INSUREDS ARRIVAL AT THE DESTINATION;

10 10 ANY ALLEGEDLY DELAYED OR LOST BAGGAGE MUST BE FORMALLY CLAIMED BY INSUREDS AT THE PORT OF DESTINATION BY SUBMITTING THE APPROPRIATE DOCUMENTATION TO THE TRANSPORTATION COMPANY; INSUREDS WILL BE REIMBURSED UP TO THE MAXIMUM AMOUNT OF THE BENEFIT THAT EXCEEDS THE AMOUNTS PAID BY OR OWED BY THE TRANSPORTATION COMPANY RESPONSIBLE FOR THE LOSS OR ANY OTHER VALID INSURANCE COVERAGE. THE INSURED MUST PAY FOR THE ESSENTIAL ITEMS WITH CASH OR A VISA CARD. PURCHASES PAID FOR WITH A CREDIT OR DEBIT CARD ISSUED BY ANOTHER ISSUER WILL NOT BE COVERED; THE COVERAGE ESTABLISHED IN THIS SECTION COMES INTO EFFECT ONLY AFTER THE CUSTOMER LEAVES HIS/HER POINT OF DEPARTURE; THE BENEFIT WILL BE A MAXIMUM OF US$100 PER HOUR, STARTING FROM THE SEVENTH HOUR, UP TO FIVE ADDITIONAL HOURS. THE MAXIMUM BENEFIT IS US$500. Exclusions No expenses or claims will be covered in the event that: AN ALTERNATIVE AND SIMILAR MEANS OF TRANSPORTATION IS OFFERED WITHIN SIX (06) HOURS OF THE SCHEDULED DEPARTURE TIME OF THE BOOKED FLIGHT OR WITHIN SIX (06) HOURS OF THE ACTUAL ARRIVAL OF THE FLIGHT (IN CASE OF A CONNECTING FLIGHT), OR IF THE CARDHOLDER FAILS TO CHECK-IN ACCORDING TO HIS/HER SCHEDULED ITINERARY, EXCEPT IN THE EVENT OF A STRIKE, INTENTIONAL WORK DELAY DUE TO LABOR DISPUTES OR SIMILAR, OR IF THE DELAY IS DUE TO AN INDUSTRIAL STRIKE, INTENTIONAL WORK DELAY DUE TO LABOR DISPUTES, MECHANICAL OR ELECTRICAL MALFUNCTION OR MALFUNCTION OF THE AIRCRAFT OR VESSEL ON WHICH THE INSURED WAS SCHEDULED TO TRAVEL, WHICH EXISTED OR FOR WHICH ADVANCE NOTICE WAS GIVEN ON THE START DATE OR PRIOR TO THE START DATE OF THE COVERED TRIP, OR IF THE DELAY IS DUE TO TEMPORARY OR PERMANENT SUSPENSION OF THE SERVICE OF AN AIRCRAFT OR TRANSPORTATION COMPANY BY ORDER OR RECOMMENDATION OF ANY PORT AUTHORITY OR THE CIVIL AVIATION AUTHORITY OR SIMILAR AUTHORITY OF ANY COUNTRY, FOR WHICH THE

11 11 CARDHOLDER WAS GIVEN ADVANCE NOTICE ON THE START DATE OR PRIOR TO THE START DATE OF THE COVERED TRIP, INCLUSIVE, OR IF THE TRANSPORTATION COMPANY THAT CAUSED THE DELAY IS ABLE TO REPAY THE COST OF EXPENSES, OR IF THE DELAY RESULTED FROM A SUSPECTED BOMB THREAT, OR IF THE INSURED HAS RETURNED TO HIS/HER POINT OF DEPARTURE OR USUAL PLACE OF RESIDENCE. What should the INSURED do if the TRANSPORTATION COMPANY loses the INSURED s baggage while it is under its care, control, and custody? The first thing the INSURED should do is contact the TRANSPORTATION COMPANY, preferably before leaving the baggage claim area, or within seven (07) days ofinsured s arrival, and submit a CLAIM FORM supported by the baggage claim receipts. How do I submit a claim? After receiving and filling out the CLAIM FORM, the INSURED must submit this to our CUSTOMER SERVICE, along with the following documentation: Copy of bank or card statement, as well as a copy of the ticket issued by the TRANSPORTATION COMPANY for the portion of the trip for which the luggage has been delayed, so as to prove that the full fare has been paid for with a Visa Infinite Card; Written proof from the TRANSPORTATION COMPANY that the baggage was delayed, and Any additional information to support the claim. The INSURED, the person designated by the -INSURED or the -INSURED s representative must contact our CUSTOMER SERVICE immediately or within no more than 30 days after the date of arrival, even if all the documentation that will support the CLAIM FORM is not yet available. Delayed communication may result in the loss of benefit. General Provisions of the Program This insurance is effective from December 1, 2003, from the date on which your bank has contracted this coverage, or from the date on which your card was issued, whichever occurred last, and will

12 12 terminate on the expiration date of the policy contracted with the INSURANCE COMPANY, or on the date you cease to be an INSURED, whichever comes first. This is a summary of the insurance policy. For more information on the insurance policy executed between Visa and the INSURANCE COMPANY, including the definitions and exclusions applicable to this benefit and information on how to submit a claim, please see the Introduction section of this guide. Benefit Amount of benefit Visa Infinite US$ 500

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