Visa Infinite. Trip Delay Insurance

Transcription

1 Trip 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. Trip Delay Insurance B.1. General Aspects B.6. Trip 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 Trip Delay Insurance offered to the Visa Infinite Cardholders and their beneficiaries, as defined below. Here, the cardholder will find information on Trip 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 (SUSEP code No /00 International Travel, /00). Visa acts as merely the policyholder in the insurance agreement and acts before AIG Seguros Brasil S/Aon 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 Trip 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. SEVERE WEATHER CONDITIONS: any weather condition that causes a delay in the arrival time and/or departure of a given MEANS OF TRANSPORTATION, as originally contracted with a TRANSPORTATION COMPANY. 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. EQUIPMENT FAILURE: any sudden and unforeseen damage to the equipment of a TRANSPORTATION COMPANY that causes a delay or interruption of the scheduled COVERED TRIP. CLAIM FORM: document to be supplied by CUSTOMER SERVICE, upon notification of an incident or request for benefit, which must be filled out and returned together with the required documents within the deadlines for each of the benefits presented. MEANS OF TRANSPORTATION: any means of transport operated by a TRANSPORTATION COMPANY under a valid license for paid transportation of passengers, including: AIR: aircraft operated by an AIRLINE COMPANY, duly authorized by the competent authorities to operate regular scheduled flights; LAND AND SEA: all those included in this definition, WITH THE EXCLUSION OF (i) rental vehicles, except those that have been rented by a TRANSPORTATION COMPANY for paid transportation of passengers; (ii) taxis, (iii) car rental companies transfers, hotels or parking outside the boundaries of the airport; TRANSFERS used immediately before boarding or after disembarking from an aircraft operated by an AIRLINE COMPANY, provided that they are connected to the COVERED TRIP; and TRANSFERS included in the COVERED TRIP. CARDHOLDER: individual who holds an active and valid Visa Infinite Card, issued in its name in Brazil, as holder or additional holder.

6 6 COVERED TRIP: an itinerary, in any part of the world, including the Insured's country of residence, regardless of origin or destination. INSURED JOURNEY: an itinerary in any part of the world that 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.

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

8 8 Section B. Trip Delay Insurance B.2. 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. B.2. Trip 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.

9 9 The INSUREDS will be covered automatically up to the benefit amount, as established below, for reasonable expenses if their COVERED TRIP is delayed for more than six hours due to a Covered Hazard, provided that the full travel fare has been paid for with a Visa Infinite Card. Coverage is in excess of any other applicable insurance. INSUREDS will be reimbursed up to the maximum amount of the benefit in excess of any amounts paid by or owed by the TRANSPORTATION COMPANY responsible for the loss or any other valid insurance coverage. What are the Covered Hazards? In the event of delays caused by EQUIPMENT FAILURE, the INSURANCE COMPANY will cover the expenses incurred due to a delay or interruption of the COVERED TRIP; In the event of delays caused by SEVERE WEATHER CONDITIONS, the INSURANCE COMPANY will cover the expenses incurred due to a delay or interruption of the COVERED TRIP In the event of delays caused by a strike or any labor dispute involving the COMMON TRANSPORTATION COMPANY's employees, the INSURANCE COMPANY will cover the expenses incurred as a result of a delay or interruption of the COVERED TRIP that interferes with the scheduled departure and arrival times contracted with the COMMON TRANSPORTATION COMPANY.The full fare must be charged to a Visa Infinite Card. What expenses resulting from a delay are covered? The INSURANCE COMPANY will cover reasonable expenses incurred by the INSUREDS as a result of one of the Covered Hazards above, such as meals and lodging that were not provided by the TRANSPORTATION COMPANY or any other party, free of charge. The maximum benefit (see table below) is the total benefit payable, regardless of the number of or length of the delays What is not covered? THE INSURED WILL NOT BE COVERED FOR ANY DELAY DUE TO A COVERED HAZARD THAT WAS MADE PUBLIC OR KNOWN TO THE INSURED PRIOR TO THE DEPARTURE OF THE COVERED TRIP. How do I submit a claim? The -INSURED, the person designated by the -INSURED or the -INSURED s representative must contact our CUSTOMER SERVICE within 30 days of the date on which the COVERED TRIP was delayed, even if all the documentation that will support the CLAIM FORM is not yet available. Delayed communication may result in the loss of benefit.

10 10 Documentation for supporting the Claim Copy of the receipts for the expenses incurred, as well as a copy of the ticket issued by the TRANSPORTATION COMPANY, as well as proof that the full fare was paid for with a Visa Infinite Card; and Copy of a document provided by the TRANSPORTATION COMPANY confirming that the COVERED TRIP was delayed due to a Covered Hazard. General Provisions of the Program It is recommended that the INSURED make his/her best efforts and act in a conscientious and reasonable way in order to avoid or minimize any losses covered by this program. This insurance is effective from January 1, 2001, from the date on which the issuer of your card contracted this coverage, or from the date on which your card was issued, whichever occurred last, and will terminate on the expiration date of the policy 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 agreement 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. Cardholder s card Amount Insured Visa Infinite US$ 200

11 11 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.

12 12 Visa Infinite