SPECIAL CONDITIONS - ASSISTANCE INSURANCE INCLUSION
The policy number 699/747 in which INTERMUNDIAL insurance broker, with registered office at C / Irún, 7, Madrid. Inscribed in the R.M. Madrid, page M 180.298, section 8, book 0, folio 149, volume 11.482. C.I.F.- B-81577231. Inscribed in the R.D.G.S and F.P with No. J-1541 and insurance R.C. and concerted bond according to the Law 26/06 MSRP, acts as mediator and is signed between TRAVEL COMPOSER, S.L.U. and the insurer MAPFRE FAMILIAR COMPANY
INSURANCE AND REINSURANCE SA, has its registered office in Spain, with the Ministry of Economy and Finance of the State, through the Directorate General of Insurance and Pension Funds, the authority responsible for supervising the exercise of their activity.
SUMMARY OF COVERAGE AND MAXIMUM COMPENSATION ASSISTANCE
Transfer or repatriation in case of illness or accident the insured displaced ........ Unlimited Medical assistance for illness or accident of the insured displaced outside their country
habitual residence - outside the country of habitual residence of the insured ................ 3,000 €
Medical assistance for illness or accident the insured displaced within their country
habitual residence - in the country of habitual residence of the insured.................... ..... 3,000 €
Transfer or repatriation of the deceased in................................ .................................Unlimited
Displacement of the hospitalized insured - for hospitalization of the insured
more than 5 days - death of the insured ......................................... ..............................Unlimited
Accommodation of the hospitalized insured - up to 42 euros / day
(Maximum 10 days) insured illness or accident - death of the insured ................... 420 €
Overstaying the insured for illness or accident - up to 42 euros / day
(Maximum 10 days) ............................................................................................................ € 420
Early return of the insured death of a family member - to the second degree ..............Unlimited drug Shipping...................................................................................................Included
Transmission of urgent messages.............................................. Included
LUGGAGE
Compensation for final loss, theft or exterior deterioration of checked baggage in flight
- Carrier certificate - for external damage of checked baggage - limit 60 eur -
by permanent loss or theft of baggage .......................................... ................................ 180 €
Location and delivery of luggage and effects .......................................... Included
ACCIDENTS
Indemnity for accidental death of the insured displaced ........................................... ... 6,000 € Compensation for permanent disability of the insured shifted according to scale............ 6,000 €
Conditions apply General MOD. 520100SG0116 attached.
According to the provisions of Article 8 of the Insurance Contract Act the Policyholder you may claim to the insurer the correction of the differences between the content of the policy and the insurance proposal or the agreed clauses. The deadline for this is one month from the delivery of the policy, after which there will be as provided in the policy.
The parties agree that a third file the communications of each party and include your date and time. The designation thereof shall be communicated to the policyholder via SMS to phone or fax or email address provided by him to the Policy and shall be deemed accepted at the reception of a communication by the policyholder, with the intervention of the third party confidence.
CLAUSE LOPD.
The policyholder / insured / affected authorizes the processing of the personal data provided voluntarily you through this document, as well as all those who could provide MAPFRE SPAIN, COMPANY OF INSURANCE AND REINSURANCE SA (hereinafter, MAPFRE SPAIN) directly or through its mediator, including documents containing them, and those obtained by recording phone conversation or as a result of browsing the website of Internet or other means, to mark the development of the contract or consultation, request or contracting of any service or product, even once the pre-contractual or contractual relationship for the following purposes
- The management of the insurance and / or performance of the contract or pre-contract as well as the legal obligations
- Assessment and delimitation of risk, prevention and investigation of fraud in risk selection and claims management, even without the insurance contract or, where appropriate, extingui- do once it is formalized.
- Studies and statistical calculations, surveys, analysis of market trends and quality control.
- The processing, monitoring, and updating any request for information, business relationship, contractual or contractual pre-configured, any of the various MAPFRE Group and management of the activity with insurance brokers.
- The comprehensive and centralized maintenance and its relationship with the various entities of GRUPO MAPFRE management.
All data collected, as well as treatments and purposes stated above are necessary or related to proper maintenance, development and control of the business relationship.
- Sending information and advertising, including electronically, on offers, products, recommendations, services and promotional items, and loyalty campaigns SPAIN MAPFRE and the various entities of the MAPFRE Group (www.mapfre.com) or those third parties with any company MAPFRE Group has signed partnership agreements;
extraction, data storage and marketing studies in order to adapt our commercial offers to your particular profile, whether formalized or not any operation, as appropriate, after the termination of the contractual relationship.
You also agree that your data, including health and claims relating to policies, they can be transferred, exclusively for the purposes stated above, other insurers, reinsurers, insurance intermediaries, financial, real estate or services related to their field of activity belonging to the MAPFRE Group (www.mapfre.com), subsidiaries and affiliates, MAPFRE Foundation, public administrations and other natural or legal persons who also wants to develop which ones of those activities and services that the various entities of the MAPFRE Group concluded cooperation agreements, even when the assignment involves an international transfer of data, all whether formalized or not any operation and, if necessary, after the termination of the contractual relationship.
You also agree that your data, including health and claims relating to policies, they can be transferred, exclusively for the purposes stated above, other insurers, reinsurers, insurance intermediaries, financial, real estate or services related to their field of activity belonging to the MAPFRE Group (www.mapfre.com), subsidiaries and affiliates, MAPFRE Foundation, public administrations and other natural or legal persons who also wants to develop which ones of those activities and services that the various entities of the MAPFRE Group concluded cooperation agreements, even when the assignment involves an international transfer of data, all whether formalized or not any operation and, if necessary, after the termination of the contractual relationship.
Specifically the affected consents and expressly authorizes any entity belonging to the MAPFRE Group (www.mapfre.com) subsidiaries and affiliates, to communicate your details to any of the aforementioned entities in order to maintain a comprehensive and centralized management its relationship with the various entities of the MAPFRE Group, and benefit from the ability to access their data from any of them, as they may be communicated between the insurance and doctors, health centers, hospitals or other institutions or persons, in order to meet, develop, manage and run the health care delivery, reimbursement or guaranteed compensation in the insurance contract and to request or verify such health providers causes and medical history of the insured motivating benefits, refunds or compensation and, if necessary, recover the expenses, always respecting the Spanish legislation on protection of personal data without which is communicated to each first transfer is made. Communication of data between MAPFRE Group is necessary sary to maintain comprehensive and centralized its relationship with MAPFRE management, implementation of premium discounts and other benefits obtained by this circumstance and management of loyalty programs in case of subscription to them.
If the Policyholder / Insured Holder is different from the insured, it accepts that their data, excluding health, may be communicated between the policyholder and the insurer to fulfill all the purposes stated above.
The file is under the supervision and control of MAPFRE SPAIN domiciled in Pozuelo Road # 50, MAPFRE 3 28222, Majadahonda (Madrid) building, in accordance with the provisions of Law 15/1999 of December 13, Protection of Personal data, and other applicable legislation, and to whom the owner of the data can exercise their rights of access, rectification, cancellation and opposition by writing to MAPFRE, Corporate Office of Privacy and data Protection. Carretera de Pozuelo, 52 - 28222 Majadahonda Madrid or at any branch of MAPFRE.
MAPFRE SPAIN can view your data files about compliance or non-monetary obligations.
The policyholder / insured / affected guarantee the accuracy and veracity of the personal data, com- promising to keep them updated and to inform MAPFRE SPAIN any variation occurring in them.
Should the data provided relate to third parties other than Toma individuals dor / insured / affected, it guarantees be sought and have the prior consent of the same for the communication of data and informed them in advance to inclusion herein, for the purposes of treatment, assignments and other terms provided in this clause.
[] You. You can check this box if you object to the processing and communication of personal data by MAPFRE SPAIN for sending information and advertising on offers of products and services MAPFRE SPAIN and the various Group entities MAPFRE in which case we can not report marle discounts, giveaways, promotions, and other advantages associated with loyalty schemes MAPFRE.
In any case, consent is revocable, can refuse at any time the consent given or exercise any of the rights mentioned in the manner indicated in this clause. If within 30 days does not manifest its refusal, it shall be deemed to consent to the set of purposes stated in this clause.
SPECIAL CONDITIONS
INSURED: insured shall be considered all those persons participating in a trip organized by the Policyholder Zado, and placed on the relationships the TAKER send the Insurer before the start of each trip, indicating policy number, full name , identification number (strictly necessary if this policy contains the guarantee of compensation for death of the insured), dates of departure and return, and destination. To proceed to manage their high must go to the following website: www.mapfre.es/asistenciaenviaje
USER: TRAVE13
PASSWORD: TRAVE16
PAYMENT: For this policy a renewable annual minimum premium of 282.61 euros (excluding taxes), this minimum annual premium shall be consumed during each annual term of the policy, no right of return for non total consumption set or part of it. Once the minimum premium will be held monthly adjustments, depending on listings ceived insured by the Insurer. Being the premium per person, scope and period of stay.
Surcharge age on premium without tax:
- Up to 69 without surcharge.
- Between 70 and 84 years old: 30%.
- From 85 years always excluded.
These premiums will increase by 0.15% for C.L.E.A., 6% for I.P.S., and the consortium, the latter depending on travel days and capital of accidents person- guarantees contracted them.
They will not be covered THOSE ARISING FROM PERFORMANCE PRACTICE OF WINTER SPORTS AND / OR DANGEROUS.
GENERAL CONDITIONS - SAFE TRAVEL ASSISTANCE RECOMMENDATIONS INCLUSION
Always carry SPAIN MAPFRE phone and your policy number.
If you are traveling to Europe, get the "EHIC" TSE in the Social Security office. Please read this policy, including the general exclusions of the policy and specific for each coverage or guarantee.
Please read the recommendations on the country of destination of the trip that offers the traveler the Ministry of Foreign Affairs on its website.
How to use your policy?
Any emergency or need to use the policy, please contact MAPFRE SPAIN, always provide your name, policy number, place where it is and telephone contact.
Accident or illness: if it is an emergency, go immediately to a suitable hospital. If not an emergency, call first to MAPFRE SPAIN.
Note that the quality of health services depend on the degree of development of the country in which required medical attention.
definitive loss or destruction of checked baggage in flight:
to. Before leaving the baggage area requested by the Irregularity Report (PIR).
b. You must file a written complaint to the airline meeting the deadlines established by each company.
c. Make a list of the contents of your luggage.
Theft, loss or damage to their luggage outside delivered to the custody of the carrier:
to. You must report it to the police in the place of occurrence of the event, stating therein a list of the contents of their luggage and their economic value.
Obtain a certificate of denunciation.
b. You must file a written complaint to the carrier to meet the deadlines set for each company. Keep a copy of it.
c. Make a list of the contents of your luggage.
Theft of luggage or personal effects unbilled:
to. You must report it to the police in the place of occurrence, stating in the report the relationship of objects and their economic value. Obtain a certificate of denunciation.
Delay in departure of means of transport or loss of connections:
to. You must file a written complaint to the carrier to meet the deadlines set for each company.
b. Obtain a certificate from the carrier to reflect the actual departure time and cause of the delay.
Travel tips
c. Keep invoices additional expenses incurred during the delay.
Cancellation of your trip:
At the moment it becomes aware of the inability to start your trip because contemplated in the policy, contact your travel agent and make the cancellation, obtaining the document certifying the annulment, and report the incident promptly
ARTICLE 1. PRELIMINARY
This contract is governed by the provisions in the General, Particular and Special Conditions and, unless otherwise agreed to any more favorable to the Insured by the Law of Insurance Contracts (Law 50/80, of October 8) and management Act, supervision and solvency of insurers and reinsurers (law 20/2015, of July 14) and its development regulations.
ARTICLE 2. DEFINITIONS
MAPFRE SPAIN, COMPANY OF INSURANCE AND REINSURANCE SA, has its registered office in Spain, with the Ministry of Economy and Finance of the State, through the Direccion General de Seguros, the authority responsible for supervising the exercise of their activity.
For the purposes of this contract shall apply:
Policy document containing the regulatory conditions of the insurance. They form an integral part of the policy Application Security, the General Conditions, the Particular that individualize the risk, and Spe- them, if they came and Supplements or Appendices issued to complement or modify it.
Collective policy: that policy by the Policyholder, normally a legal person, is con- coatings for a Insureds and / or specific beneficiaries, usually clients or employees of the policyholder. The Policyholder contract with the Insurance coverages, their boundaries and limits, in accordance with the risks that the policyholder wishes are protected by the insurer in respect of the Insured and / or Beneficiaries. The Policyholder assumes responsibility for reporting coverage, delimitations and / or limitations of the policy taken out to policyholders and / or Bene- ficiaries of it.
Insurer or Company: MAPFRE SPAIN, AND REINSURANCE INSURANCE COMPANY S.A., called "the Company" in these Terms and Conditions.
Policyholder: person signing this contract with the Company and who are the obligations arising thereof, except those expressly correspond to the insured and / or beneficiary.
Insured: each person included in the policy entitled to receive insurance benefits. In the case of group policies, have such character persons included in relationships or communications that the Policyholder to convey to the Company prior to the start of coverage.
In SEGURVIAJE policies where the "family" mode is engaged, they will be considered in addition to the insured policyholders holder, spouse, domestic partner, and unmarried children under 30 years always dependent of the insured person and provided they reside in the same household
Beneficiary: person or persons to whom the Policyholder or, where applicable, the Insured recognizes the right to receive the assistance hedged or, where appropriate, to receive the corresponding amount for compensation hedged in the contracted policy .
Family: are considered family only to spouses, partners, children, parents, grandparents, siblings, grandchildren, nephews, in-laws, sons, daughters and in-laws of the Insured, except as provided for each or Warranty Coverage. They will also have this condition guardians of the Insured.
Territorial Scope: Geographical area through which runs the trip covered by the contract and which will cover the events that occur in it. It will be collected in the Specific or Special Conditions of the policy. The effect of applying tariffs, for determining the territorial scope will take into account the country of habitual residence.
European countries: to determine the territory "Europe and Mediterranean coastal" the following countries are considered Albania, Austria, Andorra, Armenia, Azerbaijan, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Vatican City, Croatia, Cyprus, Denmark, Slovakia, Slovenia, Spain, Estonia, Finland, France, Georgia, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Norway, Netherlands, Poland, Portugal, United Kingdom, Czech Republic, Romania, Russia (the part that is on the European continent), San Marino, Serbia, Sweden, Switzerland, Turkey and Ukraine.
non-European countries bordering the Mediterranean: Syria, Israel, Egypt, Libya, Tunisia, Algeria and Morocco.
Countries bordering on the Mediterranean but also included: Jordan.
They shall not be considered within the scope Europe and bordering the Mediterranean, the territories of the countries listed above are not in the European geographical territory or coastal Mediterranean.
Third: any natural or legal person other than the Policyholder, the Insured, the Beneficiary or the cause of the accident.
Limit: amount stated in the Special Conditions, or, where applicable, on the special of the policy represents the maximum (economic, temporary or otherwise) provision covered under each guarantee.
Sum insured: amount stated in the Special Conditions, or, where applicable, in the Special of the policy that represents the maximum amount of compensation for each of the guarantees.
Bonus: insurance price that must satisfy the Policyholder to the Insurer in respect of contracts provide for coverage of the risks it offers and the receipt will also include the rechargeable gos and taxes of legal application are passed on to the Policyholder.
Sinister: means any event whose consequences are fully or partially covered by the guarantees of this policy. All the damages arising from the same event constitutes a single claim.
Robbery: appropriation of things outside through violence or intimidation or force people into things.
Theft: appropriation of other people’s things, profit, without using violence or intimidation or force people into things.
Illness means any impairment of health whose diagnosis and confirmation is made by a doctor le- gally recognized during the term of the policy.
Serious illness: impairment of health involving hospitalization or, in the opinion of the medical team of the Company precludes the initiation of the trip the Insured continuation or risk of death.
Pre-existing condition: the whole is considered preexisting disease was treated or was known by the Insured or their relatives before the trip and / or contracting the policy.
Accident: bodily injury derived from a violent, sudden, external and beyond the control of the Insured suffered during the contract term cause. They are also considered as accidents for insurance purposes:
a) The choking or internal injuries as a result of gases or vapors, immersion or submersion, or by ingestion of liquid or solid non-food materials.
b) Infections resulting from an accident covered by the policy.
c) Injuries resulting from surgical procedures or medical treatments motivated by an accident covered by the policy.
d) The injuries sustained as a result of self-defense.
Unless expressly agreed otherwise not be considered of "accident" within the meaning of safe ro, heart attacks and other cardiovascular events or cerebrovascular identical or similar.
Serious accident: the accident that, according to the medical team of the Company, on schedule precludes the initiation of the trip the Insured or its continuation, or involves risk of death.
Personal Injury: bodily injury or death caused to individuals.
Material damage: deterioration or destruction of inanimate objects and damage to animals. Damages: economic losses as a direct result of a compensable bodily injury or material damage suffered by a third party.
Osteosynthesis material: metal parts or elements or of any other nature used for joining the ends of a fractured bone, joint or welding ends, surgically and be reusable.
orthopedic material or orthesis: anatomical parts or elements of any kind used to prevent or correct temporary or permanent deformation of the body (rods, cervical collar, wheelchair, etc.).
Prostheses any element of any kind, either temporarily or permanently replacing the absence of an organ, tissue, organic fluid, member or part of any of these. For example, have such consideration mechanical or biological factors such as heart valve replacements, joint replacements, synthetic skin, intraocular lenses, glasses, biological materials (cornea), fluids, gels and synthetic liquid or semi-synthetic substitutes humors or organic liquids, reservoirs medicines, oxygen therapy system vendors, etc., except prescribed crutches as a result of skiing accident in those policies that have been hired this warranty.
Valuables: jewelry, watches, objects of precious metals, furs, paintings, art objects, silver and precious metalwork, unique items, mobile phones and accessories, cameras and accessories photography and video, radio registration or reproduction of sound or image, and its accessories, computer equipment of all types, models and remote control accessories, rifles, shotguns, and optical accessories.
Monitor: person responsible for the custody or guardianship of a group of minors or disabled, both on campus and during excursions, cultural visits or similar events.
ARTICLE 3. PURPOSE AND SCOPE OF INSURANCE
Under this agreement the Company guarantees the provision of Insured immediate material aid in the form of service delivery, or if applicable, the corresponding financial benefit that gives as a result of a fortuitous event occurred in the course of a journey for which the present contract is signed.
The insurance shall provide, in any case, according to the terms and conditions set forth in the policy and in accordance with the specific guarantees of the same that have actually been hired.
In the Special Conditions, and, if applicable, in the Special guarantees contracted effectively be collected, along with the insured sum or limits of each, as well as the territorial scope of coverage.
The Particular and Special Conditions shall take precedence over as indicated in the general conditions.
Unless the Special, Special, additional or Annexes or supplements to these General Terms and Conditions have another distance and / or duration, guarantees take effect only while the Insured is traveling displaced. The guarantees will cease once finished the trip to be insured or have the first ninety (90) days of the trip for which the insurance was contracted elapsed.
ARTICLE 4. TRAVEL ASSISTANCE COVERAGE
Under this contract, the Company guarantees the provision of Insured immediate material aid in the form of service delivery, or if applicable, the corresponding economic benefit occurs when it is in difficulties as a result of an event accidental injury sustained in the course of a journey for which this contract is signed.
When the occasion of an accident covered by this policy, an Insured should prolong their stay away from home, the Hedges Travel Assistance granted by this section are hereby extended automatically for that Insured, for once, and up 10 days, but it may be increased or further extended this guarantee.
ARTICLE 4.1. PERSONAL ASSISTANCE COVERAGE
The guarantees relating to insured persons are listed in this article and shall be provided in accordance with the conditions set out below.
1. Medical assistance for illness or accident of the Insured displaced within their country of habitual residence
In case of illness or accident of the Insured, supervening while you are displaced in their country of habitual residence, the Company shall bear the costs of hospitalization, surgery, medical fees, nursing costs and cough pharmaceuticals prescribed by the physician who attends to achieve stabilization to allow further travel or transplantation aside his habitual residence or hospital close to it, to the limit duly established in the Specific or Special Conditions.
The medical team of the Company will maintain the telephone contacts necessary with the center and with the doctors attending to the Insured to supervise that health care is adequate.
Costs of emergency dental services apply to the limit that has been laid down in the Specific or Special Conditions.
2. Medical assistance for illness or accident of the Insured displaced outside their country of habitual residence
In case of illness or accident of the Insured, supervening while it is displaced outside their country of habitual residence, the Company shall bear the costs of hospitalization, surgical operations, medical fees, nursing costs and pharmaceuticals prescribed by the doctor who treats until stabilization that allows to continue the trip or transfer to your regular home or hospital near it, to the limit duly established in the Specific or Special Conditions.
The medical team of the Company will maintain the telephone contacts necessary with the center and with the doctors attending to the Insured to supervise that health care is adequate.
Costs of emergency dental services apply to the limit that has been laid down in the Specific or Special Conditions.
In any case, the Company may claim health benefits which have been lent to the Insured is entitled under the General System of Social Security, or if applicable, any other special regime of this or any other organizations or arrangements substitutive you. When traveling to countries of the European Union, the Insured must have the "EHIC" TSE. To travel to other countries with which there is Social Security Agreement, the Insured must carry the appropriate form.
3. Move accompanying the Insured hospitalized
Should hospitalization of the Insured, caused by an accident or illness covered by the policy, will provide more than five days, the Company will pay the travel costs of an accompanying person designated by the Insured, the town where hospitalized, up to the limit duly established in the Specific or Special Conditions.
4. Housing companion of the Insured hospitalized
Should hospitalization of the Insured, caused by an accident or illness covered by the policy, will provide more than five days, the Company will pay the cost of accommodation in the locality where you are hospitalized accompanying person which it has been designated by the Insured, up to the limit duly established in the Specific or Special Conditions.
The companion once has moved to address the Insured shall be entitled to the following coverage during the time you are moved: a) medical care in case of illness or accident,
b) transport and medical repatriation in case of illness or accident. The extent and limits of these guarantees will be the same as having contracted the Insured.
5. Extension of stay of the Insured due to illness or accident
The Company will take over the hosting of the Insured when illness or covered accident policy, precise, during a trip, extended stay away from home for medical treatment on prescription, up to the limit established in the Particular Conditions or special.
6. Delivery of medicines
The Company will arrange shipping of medicines urgently, have been prescribed by a doctor to the insured and can not be in the place where they would find displaced or be substituted by drugs of similar composition.
the Company will bear the cost of drugs in any case.
7. Transfer or repatriation in case of illness or accident of the Insured displaced In case of accident or illness of the Insured traveling outside of their place of habitual residence, the Company shall, where necessary, relocation or repatriation secured to a suitably equipped health center and / or to their place of habitual residence.
The medical team of the Company will decide, depending on the situation of urgency or seriousness in which the Insured is, what health center transfer will take place and / or whether repatriation is necessary and will be in permanent contact with doctors attending to the Insured monitoring it receives proper care.
The medical team of the Company, depending on the medical condition of the Insured and exclusively when said Insured is displaced in the territory of "Europe and countries bordering the Mediterranean", may authorize the use of an air ambulance.
Rescue the costs are not included in this warranty if necessary.
8. Transfer or repatriation of accompanying the sick or injured Insured Insured When illness or accident of one of the Insured impedes the continuation of the journey, the Company will take over the transfer of the companions, who have contracted the trip together with the Asegu - rado (up to SIX subject to the provisions of the Specific or Special Conditions cial) to where it is hospitalized and / or to their place of habitual residence.
9. Transfer or repatriation of Insured minors or disabled accompanying the sick or injured Insured
When illness or accident of one of the Insured impedes the continuation of the trip, if any of the accompanying Insured mentioned in the previous article, is less than fifteen years or disabled and had no who accompany him, the Company will make available the person right to attend him during the journey to the place where one is hospitalized and / or to their place of habitual residence.
10. Transfer or repatriation of the deceased Insured
In case of death of the Insured, the Company will make the appropriate arrangements for transfer or repatriation and will take the necessary expenses for the transfer to the place of burial, cremation or funeral ceremony in place of habitual residence.
They are not subject to warranty coverage expenses burial, cremation or funeral ceremony.
11. Transfer or repatriation of accompanying the deceased Insured Insured
In case of death of an insured the Company will take over the transfer of the remaining Insureds who accompany him (to a maximum of SIX subject to the provisions of the particular conditions or Special) to their place of habitual residence.
12. Transfer or repatriation of minors accompanying insured and / or disabled the deceased Insured
When the death of one of the Insured impedes the continuation of the trip, if any of the Insured two companions of the previous article was less than fifteen years or disabled and who have not accompany him, the Company will make available to the right person will attend during the journey to the place of hospitalization of the Insured and / or to their place of habitual residence.
13. Moving accompanying the deceased Insured
The Company will make available a family of a ticket Insured return from their habitual residence to go to the place of death and, if possible accompany the body of the deceased in their repatriation.
14. Accommodation of accompanying the deceased Insured
The Company will pay the accommodation expenses of the person referred to in the previous article in the place of death of the Insured, up to the limit duly established in the Specific or Special Conditions.
This person, once it is displaced in the place of death of the Insured shall be entitled to the following coverage during the time you are displaced: a) medical care in case of illness or accident, b) transport and medical repatriation in case of illness or accident. The extent and limits of these two guarantees are the same as had contracted the Insured.
15. Early return of the Insured death of a family member
When the Insured has to interrupt the trip due to death of a family member, the Company will take over the travel to their place of habitual residence or to the place of burial in the country of habitual residence of the Insured if it can not make such a move with the own transport or hired for the trip.
The Insured must provide the supporting documents or certified fact that led to the interruption of the trip (death certificate).
16. Early return of the Insured for hospitalization of a family member
When the Insured has to interrupt the trip for hospitalization of a family than 5 days, the Company will take over the travel to their place of habitual residence or place of hospitalization in the country of habitual residence of the Insured, provided that I can not make such a shift with own transport or hired for the trip.
The Insured must provide the supporting documents or certified fact that led to the interruption of the trip.
17. Return anticipated serious disaster in their usual residence or local professionals
The Company will take care of the expenses of urgent travel to their place of habitual residence due to the occurrence of an event of fire or explosion, flood or theft in your habitual or secondary residence or in their own or rented business premises that do uninhabitable or serious risk of further damage to justify of essential and immediate way his presence and the need for travel occur if it can not make such a move with own transport or hired for the trip.
The Insured must provide the supporting documents or certified fact that led to the interruption of the trip (original report fire, police report, report of the insurance com- pany or similar documentation).
18. Moving to travel then in the event of early return to the home en- ured
If the Insured has had to interrupt his trip, returning to their place of habitual residence for some of the causes covered in the policy and want to return to their travel plan, the Company will take over the shift to travel the place where it was when the insured event occurs.
The Insured must provide the supporting documents or certified fact that led to the interruption of the trip.
19. Management and coordination of care services
When health care services and repatriation are not covered by the policy, the Company submit to the Insured facilitate, through the most appropriate professional, management, coordination and supervision of assistance needed. The costs for these services are borne by the Insured.
20. Transmission of urgent messages
The Company manages the transmission of messages from the Insured, urgent and justified, concerning any of the events covered in the policy.
21. Simultaneous translation telephone service abroad
In case of urgent need and in relation to the guarantees provided in the policy, the insured may, being abroad, require the Company conducting simultaneous trans- lation service by telephone.
22. Replacing the Insured Repatriation
If traveling for professional reasons, when it occurs an illness or accident of the Insured and this should be repatriated, the Company will take the trip back and forth to the place of destination of the person designated by the Policyholder to replace the Insured repatriate. This person will take in turn the condition of Insured.
the Company will pay wages, salaries, allowances, board and lodging of the person to replace the repatriated Insured under any circumstances.
23. General Information
Company phone deal with any queries, questions or problems that made by the Asegu- rado on the following aspects:
• Recommendations of the Ministry of Foreign Affairs.
• Information embassies, consulates, visas and formalities necessary for entry into a country.
• Foreign Exchange.
• Vaccination and sanitary recommendations for travelers.
• Phones, prefixes and time zones.
• Meteorology.
24. Moving the Insured to obtain the necessary documentation for travel outside their country of habitual residence
In case of loss of passport the Insured while it is displaced outside their country of habitual residence, the Company will pay the commuting expenses necessary for obtaining new passport or equivalent consular document, to the extent that there It has been established in the Specific or Special Conditions.
25. Reimbursement of expenses for obtaining travel documents.
In case of loss of passport the Insured while he is posted outside their country of habitual residence, the Company shall bear the expenses incurred by the Insured to obtain a new passport, up to the limit has been established in the Specific or Special cial Conditions.
26. Management delivering cash abroad
If during a trip abroad, the Insured were to lose cash because of theft, lost luggage, illness or accident, the Company will manage a shipment of cash, upon submission of supporting documents, certificates or reports relevant, up to the limit established in the Specific or Special Conditions previously deposited the amount must be requested through a deposit in the bank account of the Company.
27. Expenses rescue
If during the trip the Insured disappeared at risk, the Company shall bear the expenses for their location and rescue to the limit duly established in the Specific or Special Conditions.
28. Compensation for loss of classes
If the reason for the trip for which you sign the policy is that of attending courses of study, whether through illness or accident, the insured is hospitalized for at least five days, the Company shall indemnify the first day of hospitalization lost to the limit duly established in the Specific or Special Conditions classes.
The Insured must provide the medical report attesting hospitalization and days of stagnant cia, as well as the original course registration.
29. Opening of safes in hotel rooms
In case of loss of the key or code to open the safe in the hotel room, the Company shall reimburse duly justified opening up to the limit agreed in the Specific or Special Conditions of the policy.
30. Reimbursement of expenses for loss or theft of keys or vehicle residence
If during the course of a trip the Insured lost or stolen keys are habitually resident or vehicle owned, and because of this fact had urgent need for a locksmith service or assistance to enter your home or your vehicle use, the Company reimbursed expenses incurred Sará to the limit established in the Specific or Special Conditions of the policy.
To request a refund under this guarantee, the Insured must submit the original invoices of the expenses caused by the loss or theft of keys.
ARTICLE 4.2. EXCLUSIONS SPECIFIC COVERAGE PERSONAL ASSISTANCE
In addition to the General Exclusions to all the guarantees of this policy described in Article 12 of these General Conditions shall not be hedged the following events and their consequences:
a) The performance required for the care of pre-existing conditions that do not have character of vital urgency. This exclusion does not apply to the guarantee of "transfer or repatriation of the deceased Insured".
b) Illnesses or pathological states caused by the voluntary consumption of alcohol, drugs, toxic substances, narcotics or drugs purchased without a prescription.
c) derivatives waiver or delay the transfer agreed by the medical service of the Company, for reasons attributable to the Insured or his companions.
d) Rehabilitation treatments.
Periodic or preventive checkups.
e) concerning prosthetics, orthotics and orthopedic material or osteosynthesis material.
f) occurring during a trip where it has been initiated for the following reasons: a) with the intention of receiving medical treatment, b) because the insured is diagnosed with a terminal illness.
g) Work accidents occurred during the performance of the following activities:
- Work under construction, scaffolding or heights, wells or loading dock.
- Use of machinery press type, cut, lathe, saw under construction or agricultural work.
- Using cutting instruments type knives, machetes or shears.
- Management or handling goods or heavy or dangerous objects.
- Handling of toxic, corrosive, explosive or flammable.
- Work in armed forces or security.
ARTICLE 4.3. COVERAGE OF COMPENSATION FOR DELAY
The guarantees relating to travel delays are related in this article to be provided in accordance with the conditions set out below.
In all cases, the original certificate shall provide the carrier about the occurrence of the delay or cancellation and its causes.
Is excluded from this coverage delay or cancellation caused as a result of organized by companies themselves or outsourced services air carrier and / or employees strike airports where the flight has its starting point, scale, or destination.
1. Delay in departure of the means of air transport
When the output air public transportation contracted by the Insured to travel is delayed at least six hours or canceled, the Company will refund the additional costs of transportation, hotel accommodation and meals incurred as a result of the delay or cancellation, they are essential while waiting for departure, to the extent that has been established under the conditions Specific or Special.
To claim compensation for this guarantee, the Insured must submit the following documents:
a) Certificate carrier reflecting the actual departure time and cause of the delay.
b) Original receipts of expenses incurred as a result of the delay.
2. Delay Over Booking travel through air transport in
If the departure of the Insured suffered a delay of more than six hours as a result of recruitment by the air carrier of a greater number of seats actually existing, known as Over Booking situation, the Company will reimburse the Insured costs first need that are essential while waiting for departure, to the limit that has been laid down in the Specific or Special Conditions.
To claim compensation for this guarantee, the Insured must submit the following documents:
a) Certificate carrier reflecting the actual departure time and cause of the delay.
b) Original receipts of expenses incurred as a result of the delay.
3. Loss of air links
If the flight is delayed hired by technical failure, weather problems, intervention by the authorities or others by force and, as a result of this delay preclude the link with the following closed and scheduled flight on the ticket, the Company reimburse the Insured the cost of necessities that are essential to the exit for the next flight to the limit duly established in the Specific or Special Conditions.
To claim compensation for this guarantee, the Insured must submit the following documents:
a) Certificate carrier reflecting the actual departure time and cause of the delay.
b) Original receipts of expenses incurred as a result of the loss of air link.
4. Delay return to home
When the arrival of means of transport hired by the Insured completion of travel to reach their habitual residence is delayed on the scheduled time more than three hours, the Company reimbursed up to the limit established in the Specific or Special Conditions of the policy, the jus- fied and unforeseen costs generated by the delay to continue or conclude the trip.
To request a refund under this guarantee, the Insured must submit the following documents:
a) Certificate carrier reflecting the actual departure time and cause of the delay.
b) Original receipts of expenses incurred as a result of the delay.
ARTICLE 4.4. LUGGAGE COVER
The guarantees relating to luggage belonging to the insured and personal effects are those related in this article to be provided in accordance with the conditions set out below.
1. Compensation and management of the claim for lost luggage off the aére- companies as
Under this cover the Company agrees to indemnify the insured, once declared by the airline the definitive loss of checked baggage in flight, which corresponds to the carrier part in accordance with applicable regulations in force to the loss of luggage in each case and to the extent that has been specified in the Special Conditions.
a) Identification label checked baggage.
b) Pass on board, boarding pass or boarding pass.
c) Heel excess baggage, if any paid or had declared the value of the luggage.
2. Compensation for final loss, theft or exterior deterioration in flight baggage The Company shall inform the Insured of rights and procedures to be carried out against the carrier liable for loss or exterior definitive deterioration of checked baggage in flight, and complement the compensation received from the airline to the limit duly established in the Specific or Special Conditions.
In any case, the outer damaged luggage will be compensated with a maximum of 60 euros.
A compensation to be received by this guarantee compensation due, if any, for the "Compensation Coverage baggage delay in flight" will be deducted.
DOCUMENTS REQUIRED TO CLAIM THIS WARRANTY
To claim compensation for permanent loss of luggage, the insured must submit the fol- lowing documents:
a) Irregularity Report (PIR).
b) Letter of liquidation of the airline certifying the definitive loss of checked baggage in flight.
c) Relationship of the contents of luggage to economic valuation that made him the Insured.
In case claim compensation for damaged luggage outside it is only necessary to present the Property Irregularity Report (PIR).
To claim compensation for theft of baggage, the Insured must provide:
a) Irregularity Report (PIR) or complaint with the police at the place and time that has been detected theft stating the relationship of stolen items and damage caused by the theft.
b) List the contents of your luggage to economic valuation incurred by the Insured.
3. Compensation for theft of luggage delivered to the custody of the carrier
The Company shall indemnify the theft of luggage during transportation by the carrier, to the limit duly established in the Specific or Special Conditions, without prejudice to the responsibility that corresponds to the carrier by the set of luggage.
To claim compensation for this guarantee, the Insured must submit the following documents:
a) Certificate of the complaint to the police in the place of occurrence of theft stating a ratio of contents of baggage and luggage economic assessment made by the Insured.
b) Claim in writing to the carrier meeting the deadlines established by that com- pany.
c) Relationship of the contents of luggage to economic valuation that made him the Insured.
4. Location and delivery of luggage and personal effects
The Company will advise the Insured in the presentation of the theft or loss of your luggage and personal effects billed a means of public transport, collaborating in efforts to their location.
In case of repossession, the Company will arrange shipment to the place of trip planned by the Insured or to their place of habitual residence. In this case the Insured is obliged to return the compensation for the loss or theft would have received under this policy.
5. Compensation for delay of baggage in flight
In case of a delay of more than six hours after the flight arrival baggage delivery do billing, the Company shall inform the Insured of rights and procedures to be carried out against the airline responsible and indemnify up to the limit has been established in the Specific or Special buying necessities that are essential while awaiting the arrival of delayed baggage Conditions.
There will be no place for this benefit if the delay or purchases of essential items were made in the province in which the Insured has his habitual residence.
To claim compensation for this guarantee, the Insured must provide original invoices for items purchased first necessity.
6. Sending Objects necessities
The Company shall send the Insured to the place where the Insured is those objects that can be considered necessities that had forgotten at home before embarking on the trip or during the trip will have been stolen, whenever possible, by their nature , his replacement at the place where the Insured is.
The Company will assume the shipping organization and its cost to the limit duly established in the Specific or Special Conditions.
7. Compensation for theft of baggage or personal effects unbilled
The Company shall indemnify the material losses and damage to luggage or personal effects of the Insured traveling outside of their usual place of residence to the limit duly established in the Specific or Special Conditions, if:
a) Theft and damage resulting therefrom.
b) Theft inside hotel rooms.
c) Theft inside a vehicle only when the objects are in the trunk and others safe from view and the vehicle remains within a closed and secure parking.
Valuables theft will be covered only when it is established that these objects were deposited in a safe or take them with you when the insured, the allowance for this item will reach up to 50% of the sum insured. Valuables jewelry, watches, objects of precious metals, furs, paintings, art objects, silver and precious metalwork, unique items, mobile phones and accessories, cameras and accessories photography and video, radio of understood recording or reproducing sound or images and their accessories, computer equipment of all types, models and remote control accessories, rifles and shotguns, and optical accessories, as well as wheelchairs and medical devices. Compensation for theft of cash is limited to 100 euros.
To claim compensation for this guarantee, the Insured must furnish a copy of the complaint filed by robbery or theft in the place of occurrence, stating the relationship of objects and their economic value.
ARTICLE 4.5. EXCLUSIONS SPECIFIC COVERAGE OF BAGGAGE
In addition to the General Exclusions to all the guarantees of this policy described in Article 12 of these General Conditions will not be hedged:
a) Goods, materials professional, travel tickets, collections, titles of any nature, identity cards and, in general, all documents and paper securities, credit cards, money, jewelry, any content stored in electronic and / or computer media, recorded on magnetic tape or filmed documents. For this purpose it is considered personal computers professional material.
b) Losses arising from an object that has not been delivered to the custody of a carrier who has been lost or forgotten by the Insured.
c) Damage due to use or normal wear and tear, inherent vice, or to weathering.
d) Theft during the practice of camping, caravanning, or in any non-fixed housing.
e) The damage to luggage that is not adequately packaged or identified, as well as fragile or perishable goods.
f) Theft, except for the provisions of the guarantee "compensation for theft of luggage or personal effects unbilled".
ARTICLE 5. COVERAGE OF EXPENSES TRIP CANCELLATION OR INTERRUPTION
The guarantees relating to cancellation fees or interruption of their travel are included in this article to be provided in accordance with the conditions set out below.
1. Trip Cancellation fees
This warranty will apply from the date of the insurance and will end at the time that begins with boarding the means of public transport that will be used on the trip. Only be covered claims whose occurrence is later than the date of hire insurance and travel before the insurance object.
The Company reimbursed up to the limit duly established in the Specific or Special cancellation costs of their travel to be billed to the Insured by application of the general conditions of sale of your provider, Conditions provided that the trip is canceled before it starts and one of the following causes supervening after the insurance to prevent the voyage on the contracted dates:
1. For family reasons and health reasons: Serious illness, serious bodily injury or death of the Insured or their relatives. Placement for adoption of a child.
2. official requirements: Call the Insured at the request of official bodies of the State or Autonomous Communities.
3. For work reasons: Joining a new job being unemployed or undertaking other than the current one, which does not belong to the same group, with employment contract. Unforeseen and mandatory transfer to a workplace located in different Autonomous Community to that of their residence for more than three months. professional dismissal of the Insured. Justified and unforeseen change of holiday permit previously granted by the company with which the Insured has employment contract. Getting a scholarship training or work whose start date match schedule for the trip and whose concession has been notified to the insured after the insurance.
4. extraordinary circumstances: Serious damage to their habitual or secondary residence or in their own or rented that do inhabilitables or serious risk of further damage to justify their presence imperatively business premises occur. Declaration of disaster area of the town of habitual residence of the Insured.
5. Other causes: For breakdown or accident of the vehicle owned by the Insured, occurred within 48 hours prior to departure, which makes it impossible to start the trip Insured. In case of failure, it will only cover ratio canceled the trip if the vehicle is less than four years old. Breakdown or accident by means of transport used for moving toward the terminal, port or airport of the trip, during which the Insured loses hired transport. Only alternative transportation expenses will be covered to rejoin the trip or 50% of the cancellation costs if the insured decides to cancel the trip. Theft of documentation or luggage up to 24 hours before the start of the journey and that prevents the Insured start the same. Trip cancellation of the Insured companions of the same contract provided that the cancellation has its origin in one of the cases covered in this coverage.
If the Insured companions decided to continue the trip will be covered additional expenses incurred by the cancellation of the insured trip.
DUTY OF THE INSURED TO COMMUNICATE THE SINISTER
It shall be the duty of the Insured, in accordance with Article 17 of the Law of Insurance Contracts, to use the means at its disposal to mitigate the consequences of the accident, so that, in accordance with the provisions of Article 160 of the Real Legislative Decree 1/2007 of 16 November, approving the revised text of the General Law for the Protection of Consumers and users and Article 16 of the Insurance Contract Act is approved, it must notify both their travel provider to the Company as trip cancellation when it becomes aware of the event that the RESULT iN that. In case of breach of this obligation, the Company may deduct from the compensation to be paid the corresponding management fees, cancellation penalties and amounts which correspond under those provisions, caused by such delay.
DOCUMENTS REQUIRED TO CLAIM THE PROVISION OF CANCELLATION FEES
For the processing of a claim, the insured must submit the following documents:
1. Document proving the occurrence of the accident (medical report, death certificate, police report, etc.). This document must necessarily reflect the date of occurrence of the incident (hospitalization, death, breakdown, accident, etc.).
2. List of the services contracted for the trip (accommodation, flights, etc.) and proof of payment thereof.
3. Conditions of cancellation of such services and proof of cancellation.
4. Invoice cancellation fees or credit note of expenses not included in the cancellation fees ".
It is essential that trip cancellation costs remain justified in the documentation required above.
2. Compensation for trip interruption hired
If travel is interrupted by one of the causes listed in the previous article, the Company shall indemnify the Insured the value of the trip in proportion to the number of days not taken starting from the date of trip interruption and to the extent that has been established in the particular Conditions or Special.
This warranty takes effect from the moment the Insured access the first services the package or, if necessary, proceed to board or using the first carrier travel insurance object.
This warranty entitles the recognition of compensation if the trip interruption occurs for any of the reasons set out in paragraph 1 of this article.
3. Compensation for loss of visits or tours
The Company will reimburse the Insured up to the limit duly established in the Specific or Special Conditions leisure visits or cultural and excursions canceled which have been contracted das in the destination of a trip and collected by the always supplier and when the visit has been canceled for any of the reasons set out in paragraph 1 of this article.
ARTICLE 5.1. EXCLUSIONS SPECIFIC COVERAGE OF EXPENSES TRIP CANCELLATION OR INTERRUPTION
In addition to the General Exclusions to all the guarantees of this policy described in Article 12 of these General Conditions, no cancellations or travel disruptions that have their origin in the following events or their consequences are guaranteed:
a) non-urgent medical treatment or surgical procedures, analytical, medical tests, rehabilitation sessions and periodical or preventive revisions.
b) The medical or vaccination contraindication, or failure to follow certain destinations recommended medical treatment.
c) Epidemics.
ARTICLE 6. SPECIAL COVERAGE FOR CAUSES
The Insurer covers the guarantees listed in this article when, as a result of earthquakes, tidal waves, extraordinary floods (including sea battering), volcanic eruptions, atypical cyclonic storms (including extraordinary winds with gusts exceeding 120 km / h and tornados) and the fall of astral bodies and meteorites, the definitive cancellation of flight or boat trip hired by the Insured, or a delay for more than 24 hours time from the scheduled time of departure indicated on the ticket occur transport.
1. Cancellation fee
When due to the phenomena of the above-mentioned nature, the definitive cancellation of the trip covered by insurance or delay more than 24 hours time from the scheduled time of departure indicated on the ticket occurs, the insurer will cover the reimbursement of expenses for services contracted transport and accommodation and not enjoyed by the Insured not be recovered tour operator or travel agent. Reimburse such expenses are as follows:
a) Amounts paid for housing (including deposits and bonds) for the realization of tourist excursions or hiring the services of guides and interpreters, paid by the insured to the tour operator or travel agent, up to a limit that has been agreed in the Specific or Special Conditions.
b) Amounts paid by the insured in respect of transport for the part or parts of the journey that can not be made when these expenses are not reimbursed by the carrier under the law that is applicable and the amounts paid (including deposits and bonds) for transportation during the trip, such as car rentals, train tickets, plane or ferry to the maximum limit that has been agreed in the Specific or Special Conditions.
c) Amounts paid by the Insured for recruitment service dedicated to the care of relatives, children or pets, up to a limit that has been agreed in the Specific or Special Conditions professionals.
2. EXPENDITURE BY FAILURE TO RETURN TO ADDRESS THE INSURED
When due to the phenomena of the above-mentioned nature, the insured can not return to their permanent address in Spain on the date scheduled departure time on the ticket, for final flight cancellation or trip hired boat, or by a delay time longer than 24 hours, the Insurer will cover the reimbursement of expenses incurred below to the maximum limit that has been agreed in the Specific or Special Conditions.
a) The costs of accommodation and subsistence satisfied by the Insured, up to a limit of 100 euros for each day that can not return home.
b) The costs of transport by train, plane, ferry or rental car hired by the Insured, when the carrier, the tour operator or travel agent not been able to provide alternative adequate transportation to return home
3. DOCUMENTATION TO BE DELIVERED BY THE INSURED
To give effect to the reimbursement of expenses covered by the above guarantees the Insured the Insurer shall provide the following documentation:
a) A copy of the ticket entitling the transport issued by the carrier or its authorized agent.
b) Certificate of air or sea transport company in which the cause of the trip has been canceled specified.
c) To guarantee "Expenses inability to return to the Insured home", the copy of the note stating that the Insured has used alternative means of transport.
d) Original invoices for expenses paid by the Insured which reimbursement requests.
ARTICLE 6.1. WHAT IS NOT COVERED
This coverage does not cover the risks listed below or those agreed in Article 12 of these General Conditions, except as provided in subparagraph b), paragraph a) of that article:
a) Cancellation fees cruise.
b) Reimbursement of expenses covered by this coverage that the insured can recover from the carrier, tour operator or authorized travel agent or any other provider you have hired dor.
c) The costs of transportation or accommodation have been satisfied by the conveying company, the tour operator or authorized travel agent.
d) Any expense or fax or telephone connection to communication networks.
ARTICLE 7. PERSONAL ACCIDENT COVERAGE
Under this cover accidents that may occur to the displaced Insured during the trip object of insurance cover.
Also, in the case of Insureds under fourteen and / or legally incapacitating people Tadas, the sum insured in the Particular or Special Conditions accidental death will go to vote the burial of the Insured.
1. Compensation for accidental death of the Insured displaced
If as a result of an accident covered by the policy the Insured’s death while on a trip occurs, the Company will pay the Beneficiary the insured amount that has been set in the Specific or Special Conditions
If at the time of death of the Insured had not designated Beneficiary or rules for its determination, the sum insured will be part of the estate of the Insured. When there are several beneficiaries, unless otherwise agreed, payment of the sum insured shall be made equally or in proportion to the hereditary share if the appointment had been made in favor of the heirs. Unless otherwise agreed share not acquired by a Beneficiary will increase the others.
In the event that any of the beneficiaries regardless willful misconduct of the accident causing shall be null the designation made in their favor, so that the party should you have corresponded you will increase that of other beneficiaries or, where appropriate, be part of the estate Insured.
If prior to death the Company had paid compensation for disability as a result of the same accident and no more than one year had passed since its occurrence, it must compensate the difference between the amount paid and the sum insured in case of death. If you already indemnified out above, the Company will not claim difference.
To claim compensation for this guarantee, the Policyholder or the Beneficiaries shall provide the Company the following documents:
a) Birth certificate and certification literal death certificate of the Insured.
b) certifying the personality of the beneficiaries.
c) If the beneficiaries are the heirs of the Insured a copy of the Deed of partition and award of inheritance or, where appropriate, the order of heirs statement issued by the competent court will be required.
d) Letter payment or exemption from Inheritance Tax duly completed by the corresponding delegation of Finance.
2. Compensation for accidental death of the Insured displaced in a medium conveying public
In case of death of the Insured trip displaced as a result of an accident caused by a means of public transport, the Company will act as set out in paragraph 1 of this Article (Indemnity Guarantee accidental death of the displaced Insured).
For the purpose of insurance is understood as a means of public transport contracted for the trip covered by this insurance, limited by plane, boat, train or bus, including the raising and lowering of said transport means. Similarly, it considers public transportation (limited to taxi, rental car with driver, tram, bus, train or subway) as used for the direct route between the point of departure or arrival (home or hotel) to the terminal travel (railway, airport, port).
3. Compensation for permanent disability of the Insured shifted according to scale
For insurance purposes it is deemed invalid anatomical loss or functional impairment of limbs or organs as a result of bodily injury from an accident while the Insured is traveling displaced.
The amount of compensation shall be determined by applying on the sum insured established in the Specific or Special Conditions of the percentages set forth in the scale of injuries this en- Warranty terms. For the determination of these percentages profession and age of the insured do, or any other factor beyond the scale is not taken into account.
SCALE OF INJURY compensation
Percentage
Head and nervous system
• complete mental Alienation ………………………………………………………………………….…………100
• Epilepsy in its maximum degree…………………………………………………………………………..….. 60
• absolute blindness …………………………………………………………………………………………………..100
• Loss of one eye or vision of it if it is lost before the other………………………………………… 70
• Loss of one eye or reduc retain the other half nución binocular vision ……………………..25
• bilateral traumatic cataract operated (aphakia) ………………………………………………………..20
• unilateral traumatic cataract operated (aphakia)……………………………………………………… 10
• Complete deafness ……………………………………………………………………………………………………50
• Total deafness in one ear, having lost the other previously……………………………………… 30
• Total deafness in one ear…………………………………………………………………………………………. 15
• Total loss of smell or taste……………………………………………………………………………………………5
• Muteness with absolute inability to make consistent sounds ……………………………………70
• Ablation of the lower jaw ……………………………………………………………………………………………30
• Serious disorders in the joints of both jaws Spine.....………………………………………………... 15
• Paraplegia……………………………………………………………………………………………………………….. 100
• Quadriplegia ……………………………………………………………………………………………………………..100
• Limitations of mobility as a result of vertebral fractures without neurological complications or severe defor- mation column………………..3 100 for each vertebra affected, with up to 20
• Barré Syndrome-Lieou ………………………………………………………………………………………………….10
Thorax, abdomen and genitourinary apparatus
• Loss of a lung or reduction to 50 100 lung capacity 20
• Nephrectomy ………………………………………………………………………………………………………………10
• Splenectomy ………………………………………………………………………………………………………………….5
• Unnatural Year ……………………………………………………………………………………………………………..20
Superior members
• Amputation of an arm from the shoulder joint……………………………………………………………. 70
• Amputation of an arm at elbow level or above it …………………………………………………………65
• Amputation of an arm below the elbow……………………………………………………………………….60
• Amputation of a hand at wrist level or below this……………………………………………………… 55
• Amputation of four fingers of one hand ……………………………………………………………………….50
• Amputation of a thumb ……………………………………………………………………………………………….20
• Total amputation of a finger or two phalanges of the same ……………………………………….15
• Total amputation of any finger of one hand or two phalanges of the same…………………. 5
• Total loss of movement of a shoulder ………………………………………………………………………..25
• Total loss of movement of an elbow………………………………………………………………………….. 20
• Total paralysis of the radial nerve, ulnar or median ……………………………………………………25
• Total loss of movement of a doll………………………………………………………………………………. 20
Lower limbs
• Total loss of movement of a boiler………………………………………………………………………….. 20
• Amputation of a leg above the knee joint …………………………………………………………………60
• Amputation of a leg preserving the knee joint…………………………………………………………. 55
• Amputation of one foot………………………………………………………………………………………….. 50
• Partial amputation of a foot retaining the heel ………………………………………………………..20
• Amputation of a thumb …………………………………………………………………………………………..10
• Amputation of any other finger of a foot……………………………………………………………….…. 5
• Shortening of leg 5 cm. or more ……………………………………………………………………………….10
• Total paralysis of the peroneal nerve ……………………………………………………………………….15
• Total loss of movement of a knee …………………………………………………………………………...20
• Total loss of movement of an ankle……………………………………………………………………….. 15
• serious difficulties in ambulation subsequent fracture of one of the calcaneus ………10
In the application of the scale of injury shall govern the following principles:
a) The types of disability unspecified expressly indemnified by analogy with other cases that appear there.
b) If prior to the accident presented a limb or organ amputations or functional limitations, the percentage of compensation will be the difference between the pre-existent patent invalidity and that resulting after the accident.
c) When lesions affect the non-dominant upper limb, the left of a right or vice versa, the percentages of compensation on it should be reduced by 15 100.
d) The limitations and anatomical loss partial character be compensated proportionately respect to the absolute loss of the limb or body concerned.
The absolute functional impotence of a limb or organ shall be considered as a total loss.
e) The sum of many partial percentages, referring to the same limb or organ, shall not exceed the percentage of compensation set for total loss. The accumulation of all percentages of disability arising from the same accident, will not lead to compensation exceeding 100 100.
The recognition of the right to this warranty applies solely to the Company who will verify the invalidity submitted by the Insured. The purpose, the Company will assess the physical condition of the Insured, after a physician has recognized and declared that their state is definitive, medical reports by the Insured undertakes to provide, proving their disability.
If after twelve months from the date of the accident the Company can not assess the physical condition of the Insured, it may request a further period of up to twelve months. After this period the Compañ- ed determine whether there invalidity or not, and if so, the degree of disability shall be deemed final for the purpose of insurance. If the Insured does not accept the valuation that your state has made the Company may request an expert third party in accordance with Article 38 of the Law on Secu- ro Contract. Each party shall bear the fees of its expert. The third expert and other expenses incurred in the expert appraisal shall be borne and charge half the Insured and the Company. However, if any one of the parties have made the appraisal necessary by insisting on a manifestly disproportionate valuation of charge damage shall be solely responsible for such expenses.
4. Compensation for accidental permanent disability of the Insured displaced in a means of public transport
In case of permanent disability resulting from bodily injury caused by an accident while the Insured is traveling shifted a means of public transport, implementation will be all the provisions of paragraph 3 of this article.
For the purpose of insurance is understood as a means of public transport contracted for the trip covered by this insurance, limited by plane, boat, train or bus, including the raising and lowering of said transport means. Similarly, it considers public transportation (limited to taxi, rental car with driver, tram, bus, train or subway) as used for the direct route between the point of departure or arrival (home or hotel) to the terminal travel (railway, airport, port).
ARTICLE 7.1. EXCLUSIONS SPECIFIC PERSONAL ACCIDENT COVERAGE
In addition to the General Exclusions to all the guarantees of this policy described in Article 12 of these General Conditions, under the "Personal Accident Coverage" is not guaranteed ZARAN accidents which have their origin and consequences on the following facts:
a) Damage caused during the course of strikes.
b) poisoning or poisoning by ingestion of food products.
c) Injuries resulting from surgical procedures or medical treatments not derivatives of an accident covered by the policy.
d) infectious diseases, such as sleep, malaria, malaria, yellow fever and, in general, diseases of any kind, lightheadedness, fainting, stroke, epilepsy or epileptic, and those caused by any kind of unconsciousness Disease as a result of an accident as defined by "accident" in Article 2 of these General Conditions.
e) Accidents, except for the performance of activities that do not pose a risk to physical and / or health of the worker.
f) Accidents occurred prior to the entry into force of this insurance, although they manifest during its term and the consequences or consequences of a covered accident that has us forth after the following three hundred sixty-five days from the date occurrence.
ARTICLE 8. LIABILITY COVERAGE
This coverage protects the economic consequences of the Tort Liability incurred by the Insured, according to law, during the term of the policy, corporal or material damages caused involuntarily to third parties when the insured is understood I cuentre displaced travel and travel hedged.
payment of compensation of the Insured found responsible is guaranteed judicial and extrajudicial expenses arising from the defense of the Insured, provided that the insurer assumes the legal address ca against the claim, and the provision of legal bonds required to ensure the responsibilities des civil procedure, all with the conditions, limits and exclusions agreed in the present contract.
ARTICLE 8.1. PRIVATE LIABILITY
The warranty liability of the Insured covered by this warranty is arising from the following risks, events and circumstances:
In his capacity as head of household, for the acts or omissions of those persons who must respond.
For sporting activities, as amateur.
By the use of boats, powered only by oars or pedals.
By the use of non-motorized vehicles, such as bicycles, skates and any vehicle similar to the above characteristics.
As a tenant or user of a house or room, where their use is not permanent, but always engaged exclusively policyholder’s residence.
This coverage also extends to civil liability arising from the existence in the temporary residence of the Insured, garage, garden, transformers, boilers, individual TV antennas and the like.
By water damage, fire or explosion whether they originate in the residence of the insured do, and outside it, and whether the tortfeasor the Insured or any of the people we must respond.
For the acts or omissions of staff dedicated to domestic service, when working for the Insured. It is included as such personnel engaged in the housing and care facilities or domestic activities.
As holder of PETS.
ARTICLE 8.2. EXCLUSIONS FROM PRIVATE LIABILITY
This warranty does not cover:
a) Compensation for damage caused to property of employees and staff dependent on the Insured.
b) Claims for asbestosis or any disease, including cancer, due to the manufacture, production, processing, assembly, sale or use of asbestos or products that contain have.
c) Those economic losses whose origin is the activity of the Insured as a director, executive counselor or private companies, associations or clubs, or as trustee or business manager.
d) Civil liability for the conduct of a trade or business, the exercise of a profession or a paid service or a position or an activity in associations of any kind, even if they are honorable.
e) Claims arising from accidents suffered by the dependent personnel of the Insured.
f) The liability for damages caused, directly or indirectly, by any disturbance of the natural state of the air, land, sea or ground water, soil and subsoil, and in general, the environment, caused by:
- Emissions, Effluents, injections, deposits, escapes, discharges, leaks, spills or infiltrations of pollutants.
- Radiation, noise, vibration, odor, heat, temperature changes, electromagnetic fields or any other type of waves.
- Toxic or polluting fumes caused by fire or explosion.
ARTICLE 8.3. LIABILITY OF MONITORS
the damage suffered by persons who are under guardianship and custody of the insured as well as damage caused by them to third parties during excursions, cultural visits and similar acts shall be particularly covered, provided such damages have their cause an action or culpable or negligent omission of the Insured.
ARTICLE 8.4. EXCLUSIONS FROM PERSONAL LIABILITY OF MONITORS
This warranty does not cover:
a) The facts produced by causes attributable to the management of the Centre in that is if the Insured provides services, such as those caused by the facilities (buildings, furniture, gymnastic and similar appliances) or being served food in poor conditions tions. In the event that the Insured exercising management functions combining them with faculty, coverage is only valid for the latter.
b) Those caused by acts or omissions of the Insured in their private lives, or performing other than professional who is subject to coverage under this policy activities.
c) Damage to the dependents each other cause, and that could happen to the facilities where the risk or property owned by teachers or monitors to develop.
d) incurred in the practice of sports or notoriously dangerous activities, giving that- especially excluded the following: motorsports, motorcycling, scuba diving, casting scale, bungee jumping and jumping rope "bungee", caving or spelunking, boxing , any form of air sports (parachuting, ballooning, gliding and gliding, paragliding etc ....) rafting, canoeing, skiing, snowboarding, abseiling, paintball, horseback riding and water skiing and use of weapons of any kind.
e) Claims arising from accidents suffered by the dependent personnel of the Insured.
ARTICLE 8.5. DEFENSE AND BONDS EXPENSES CIVIL LIABILITY IN PROCESS
With the limit of 3,000 Euros for processes in Spain and 6,000 Euros for processes abroad and provided that the subject of the claim is included in the coverage of the policy, are also guar- anteed by this contract:
The constitution of judicial bonds required to ensure the civil liabilities of the procedure. Court costs, to be paid in the same proportion between the compensation payable by the Insurer, in accordance with the provisions of the policy, and the total amount of liability of the Insured in the accident.
The Insurer shall assume the legal defense against the claim of the injured, and your account will be defense costs incurred. The Insured must provide the necessary collaboration in order to address the legal assumed by the insurer. When the Insured appoint his own defense legal expenses arising they shall be the exclusive behalf.
The benefits mentioned above will also apply in the case of criminal proceedings against the Insured having their cause in the exercise of the activity being insurance, with the consent of the defendant. In the event that the Insured appoint his own defense, costs and expenses incurred by this concept are your sole account.
If a conviction occurs in judicial proceedings conducted against the Insured, the Insurer shall decide whether to appeal to the competent High Court; if it considers inadmissible the appeal, it shall inform the person concerned, leaving it free to appeal on his own account.
In the latter case, if the appeal produced a favorable to the interests of the insurance sentence, compensation deducted by it, this is obliged to assume the costs originase that resource.
If a conflict between the Insured and motivated Insurer produced by having to sustain it interests in the claim contrary to the defense of the Insured, the Insurer shall inform thereof, without prejudice to perform those procedures which by their urgency, are necessary for the defense. In this case, the Insured may choose between maintaining the legal direction by the insurer or trust his own defense to another person. In the latter case, the Insurer shall be obliged to pay the expenses of such legal address to the limit for this coverage.
When they had reached an amicable agreement on civil liability, assumption of criminal sa defend the insured is optional for the insurer and always subject to the prior consent of fendido determined.
In the event that the legal costs mentioned above, added to the satisfaction compensation, exceeding the limit of the sum insured per claim, the Insurer shall assume the quantities in excess of this limit, as long as the case of actions brought before the Spanish courts .
In the event that has been expressly agreed the extension of the territorial scope of coverage of the policy and the actions are brought before foreign courts, the maximum amount of the insurance charge will in any case, for the sum of compensation and expenditure judicial them, the amount established in the policy as indemniacion limit per claim.
ARTICLE 9. LEGAL ASSISTANCE COVERAGE OUTSIDE THE USUAL RESIDENCE COUNTRY
The guarantees relating to legal aid are listed in this article to be provided in accordance with the conditions set out below.
1. Costs of legal defense in proceedings arising from a traffic accident outside their country of habitual residence
The Company will assume the costs incurred in the legal defense of the Insured in civil or criminal proceedings under way against him for a traffic accident outside their country of habitual residence, to the limit duly established in the Specific or Special Conditions.
The legal defense lawyer and prosecutor will be the Insured chooses. However, the Com- pany offers legal services have such effects.
2. Advance of bail in criminal proceedings arising from a traffic accident outside their country of habitual residence
The Company will be by the Insured bonds that foreign courts will require to ensure the payment of legal costs and expenses or to ensure their release on bail in the criminal procedure to followed by a traffic accident outside their country of habitual residence until the limit duly established in the Specific or Special Conditions.
The Company reserves the right to seek the Insured, in writing, recognition of related debt.
Also, the Insured undertakes to reimburse the Company the amount paid on account for payment of the bonds in the maximum period of three months without the express request by the Company. In case the amount of the securities sobrepasase 3,000 euros, the Insured ensure reimbursement through a deposit in the bank account designated by the Company.
ARTICLE 10. LEGAL DEFENSE IN COVERAGE OF CONTRACTS IN SPAIN modality MANAGEMENT
The company guarantees that no member of staff dealing with legal advice on this coverage exerts the same time a similar activity in another class.
WARRANTIES AND BENEFITS
With this coverage, the Company undertakes, within the limits established by law and to the extent agreed in the Particular Conditions of the policy, payment of the expenses incurred by the insured as a result of its intervention, as part of the procedure on its own behalf or anyone who holds the position of insured in this policy, in arbitral, judicial or administrative procedure expressly provided in this article, or the provision of services necessary legal, judicial and extrajudicial assistance, arising from insurance coverage.
Unless otherwise agreed, the guarantees covered by this insurance will only apply to the procedures set out for those who understand Courts, courts or public or private bodies having their seat or domicile in Spanish territory.
The sum insured stipulated in the Particular Conditions of the policy to cover legal defense is the limit on the amount payable by the insurer, regardless of the number of en- gured for all actions arising from the same event or cause of action, regardless of the number of procedures followed, duration or judicial bodies to which recourse is made.
COVER
For this coverage the claim for damages caused to the Insured, in his person or property of which they own, they find its cause in negligence or contractual negligence, breach of any of the following services contracted in Spain is guaranteed on the occasion of travel or travel insurance object:
• hired in travel agencies including contracted services electronically.
• Accommodation.
• Public transport.
• rental of motor vehicles.
• hired for conducting language courses Services: travel, classes and accommodation.
The claim for damages arising from contractual breach of the aforementioned services, includes the following services:
a) The completion of the negotiations and formalities of court for compensation for damages and perjui- prices, as well as payment of the costs incurred during such claim.
b) The legal defense in proceedings for the reasons indicated for the claim for damages, when it has not achieved its compensation out of court.
WHAT IS NOT COVERED
In addition to cases not covered under Article 12 of these General Terms and Conditions shall not be understood in this coverage:
a) The material damages resulting capable of economic assessment.
b) Contracts with companies incorporated outside of Spain who have no residence or registered office in Spain.
c) Payment of penalties and fines, appeals against these and any expense arising due to their imposition by the competent authorities.
d) Compliance with the obligations were imposed by the Insured Judgment.
e) The defense or payment of expenses incurred for management, procedures, records or procedures of any kind and nature of which are listed below:
• Processes that have litigious amount is less than 305 Euros.
• The exercise by the driver or the vehicle owner of criminal or civil actions to result of events arising from the use and circulation of motor vehicles, except civil or criminal proceedings under way against the insured by a traffic accident outside their country of expressly covered by the policy habitual residence.
• Claims that the Insured intends to run against the Company, whatever its cause or any of the companies that are directly or indirectly linked to it to be part of the same unit of decision.
• The procedures the Insured intends to promote once the limitation period established by law for the exercise of the action in question exceeded.
• Those derived or bring their cause of events that occurred before the effective date of the guarantee of legal defense. The legal expenses cover means force at the time that it is engaged in the travel assistance insurance.
• In general, any conflict that originated with no objective reasons for traveling to this insurance.
f) The costs of unjustified because they lack sufficient means to make it feasible claims and grossly disproportionate to the assessment of damage or injury suffered. However, the Company will assume the payment of such expenses if the insured obtains a favorable their claims or compensation similar to his initial claim amount final decision. To this end the Company is required to notify the insured that fact and to make those errands of their urgency are necessary to object to not cause helplessness.
RIGHTS AND OBLIGATIONS OF THE INSURED
1. The Insured shall have the following rights:
a) Free choice of attorney to represent him and the lawyer to defend him.
b) To submit to arbitration any dispute that may arise with the Company. The appointment of arbitrators shall be made before the dispute arises.
2. In case of conflict of interest or disagreement on how to address the contentious issue, the Com- pany immediately inform the Insured of the faculty is responsible for exercising rights to which the preceding paragraph.
3. The insured is required to notify the designation of any professional within seven days from the date thereof. If the Insured does not fulfill the duty to communicate the appointment of Barrister and Solicitor, the Company may claim damages caused by their lack of communication.
PERFORMANCES AND PROFESSIONAL FEES.
1. The Advocate and Attorney appointed by the Insured shall not be subject to the instructions of the Company.
2. The Company, subject to detailed justification of the steps and actions already taken, will meet the fee-for- Attorney appointed by the Insured, according to the scales of fees, for guidance, has established the Bar that corresponds to territorially place of performance of the activity, to be considered as maximum payable amount. The Company will not be obligated to pay any provision of funds prior to the completion of the steps and actions to these corresponding character. In any case the ceiling by the Company will be agreed in the Particular Conditions of the policy. The excess of this limit, if any, will be sole expense of the insured.
3. The Company does not assume the payment of fees, fees and expenses of Attorney and Procurator in which the Insured have incurred when they have complied with those by the other party for payment have been imposed in the judgment.
COMPENSATION CLAUSE FOR THE CONSORTIUM OF INSURANCE COMPENSATION FOR LOSSES DERIVED FROM EXTRAORDINARY EVENTS
ARTICLE 11. INSURANCE COMPENSATION CONSORTIUM
In accordance with the provisions of the revised text of the Legal Statute of the Insurance Compensation Consortium, approved by Royal Decree Law 7/2004, of October 29, and amended by Law 12/2006 of 16 May, the policyholder an insurance contract which must include a surcharge in favor of the aforementioned public body has the power to agree on the cover of extraordinary risks with any insurance company that meets the conditions required by the legislation in force.
Compensations derived from losses caused by extraordinary events occurring in Spain and affecting risks located, and also those occurring abroad when the Insured do habitually resident in Spain, will be paid by the Consortium of Insurance Compensation when the policyholder has paid the corresponding surcharges in its favor and any of the following situations occur:
a) That the extraordinary risk covered by the Insurance Compensation Consortium is not covered by the insurance policy taken out with the insurance company.
b) That, despite being protected by this insurance policy, the obligations of the insurance company could not be satisfied having been declared judicially insolvent, or be subject to a process of liquidation intervened or assumed by the Compensation Consortium insurance.
The Insurance Compensation Consortium will adjust its performance to the provisions of the aforementioned Legal Statute Law 50/1980, of 8 October, on Insurance Contracts, the Insurance Regulations extraordinary risks, approved by Royal Decree 300 / 2004 of February 20, and in the Supplementary provisions.
ARTICLE 11.1. RISKS COVERED
Covered extraordinary events:
a) The following natural phenomena: earthquakes and tidal waves, extraordinary floods (including the ravages of the sea), volcanic eruptions, atypical cyclonic storms (including ex- traordinary winds exceeding 120 km / h gusts, and tornadoes) and falling meteorites.
b) Those caused violently as a result of terrorism, rebellion, sedition, mutiny and riots.
c) Acts or actions of the Armed Forces or the Security Forces in peacetime.
ARTICLE 11.2. EXCLUDED RISKS
a) Those who do not give rise to compensation under the Insurance Contracts Act.
b) Those caused to persons insured by an insurance contract different to those that include the obligatory surcharge in favor of the Insurance Compensation Consortium.
c) Those caused by armed conflicts, although there is no official declaration of war.
d) derivatives nuclear energy, without prejudice to the provisions of Law 25/1964 of 29 April, Nuclear Regulatory Energy.
e) Those produced by natural phenomena other than those specified in Article 1 of the Regulations on Extraordinary Risk Insurance and, in particular, those produced by rising water table, movement of hillsides, landslides or land settlement, detachment ment of rocks and the like, unless these were professedly caused by the action of rainwater which, in turn, would have resulted in the situation of extraordinary flooding tion and occur simultaneously with said flooding phenomena.
f) Those caused by riots during the course of meetings and manifestations carried out in accordance with the provisions of the Organic Law 9/1983 of 15 July, and during the course of legal strikes, unless the said actions may be qualifications give as extraordinary events pursuant to Article 1 of the Regulations on extraordinary Risk Insurance.
g) Those caused by bad faith of the Insured.
h) corresponding to losses occurring before payment of the first premium or when, in accordance with the provisions of the Law on Insurance Contract, coverage of the Consortium of Insurance Compensation is suspended or the insurance has been canceled for nonpayment premiums.
i) Claims by their magnitude and severity are qualified by the Government of the Nation as "national catastrophe or disaster".
ARTICLE 11.3. EXTENSION OF COVERAGE
The coverage of the extraordinary risks to the same people and sums insured are established in the insurance policies for the purpose of coverage of ordinary risks.
The Insurance Compensation Consortium shall indemnify, under either compensation, personal injury arising from extraordinary events occurring in Spain and affecting risks located. However, will also be compensable by the Consortium personal injury arising from extraordinary acontecimien- cough occurring abroad as the policyholder is habitually resident in Spain.
ARTICLE 11.4. PROCEDURE IN THE EVENT OF A CLAIM COMPENSATION FROM THE CONSORTIUM OF INSURANCE COMPENSATION
In case of accident, the Insured, Policyholder, Beneficiary or their respective legal representatives, directly or through the insurance company or insurance intermediary entity, shall communicate, within a maximum period of seven days have known, the occurrence of sinister, in the regional delegation of the Consortium, depending on where the accident occurred. Communication is made using the model established for this purpose, which will be available in the "web" Consortium www.consorseguros.es, page or in offices or those of the insurance company, which documentation must be attached that, according to nature of lesions required.
To clarify any doubts that may arise regarding the procedure to be followed, the Insurance Compensation Consortium offers the following telephone service to the Insured: 902,222,665.
ARTICLE 12. GENERAL EXCLUSIONS TO ALL COVERAGE
1. In general excluded the following risks and their consequences, for all coverages of the contract:
a) directly or indirectly caused by the bad faith of the Insured, for their involvement in criminal acts, or their, grossly negligent or willful gross negligence actions.
b) Extraordinary events, defined as:
to. The following natural phenomena: earthquakes and tidal waves, floods extraordi- nary, volcanic eruptions, atypical cyclonic storm and falling sidereal bodies and meteorites.
b. Those caused violently as a result of terrorism, rebellion, sedition, riot or popular tumult.
c. Acts or actions of the Armed Forces or the Security Forces in peacetime.
c) The consequences of the actions of the Insured in a state of mental derangement or under psychiatric treat- work.
d) The events in those countries appearing as recommended in the information provided by the Ministry of Foreign Affairs of Spain, or which are embargoed Security Council of the UN or other international bodies to which Spain is
attached, and the events of any conflicts or international interventions using force or coercion.
e) occurring during the Insured’s participation in bets, challenges or brawls, except in self defense or necessity.
2. Unless expressly included in the Specific or Special Conditions Insured and the corresponding premium being paid, are excluded risks and consequences arising from:
a) The skiing and / or related sports.
b) The practice of following sports: motor racing, motorcycling, mountain biking (BTT), route 4x4, karting, quads, enduro, 4x4 raid, big game hunting, horse riding, diving, fishing at sea, kayaking, sailing, surfing , windsurfing, water-skiing, jet ski, rafting, sledging, caving, skydiving, base jumping, wingfly, skysurf, hot air ballooning, hang gliding, paragliding, gliding, indoor climbing, zip line, paint ball, mountain climbing , mountaineering, rock climbing, canyoning, boxing, wrestling and martial arts, sailing in international waters in craft not intended for the public transport of passengers.
c) occurring during the Insured’s participation in competitions and preparatory trials or training.
d) The use, as a passenger or crew member, air navigation not authorized for public passenger transport and helicopter.
3. In addition to the above exclusions, are not hedged and benefits following situations:
a) The services the Insured has concluded on their own, without advance notice or without the consent of the Company, except in case of urgent need. In that case, the Insured must justify the urgency and the supporting documents and original invoices for those services.
b) Costs incurred after the Insured is at his place of habitual residence, incurred outside the scope of the insurance coverage, and in any case, those incurred after the conclusion of the travel dates object contract or within 90 days from the start of it, subject to the provisions of Clauses or Additional the conditions Specific or Special.
4. The Company is exempt from liability when force majeure is unable to provide any of the benefits and services under the policy.
General rules
ARTICLE 13. BASES OF INSURANCE
1. This contract is concluded with the basis of the statements made by the Policyholder and / or Insured in the insurance application, which determined the acceptance of risk by the Company and the calculation of the premium.
2. If the content of the policy differs from the insurance proposal or the agreed clauses, the Policyholder may apply to the Company within one month from the delivery of the policy to rectify the existing divergence. After that time without making the complaint, it will be disposed to the policy.
3. In case of omission or inaccuracy in the declaration the Company may terminate the contract by declaration addressed to the Policyholder within one month, starting from the knowledge of the reservation or inaccuracy. It is up to the Company, unless willful misconduct or gross negligence on their part, the premiums for the period in progress at the time to make this statement.
4. If the incident occurs before the Company makes such declaration, the compensation will be reduced in proportion to the difference between the agreed premium and that which would have been applied to the true magnitude of the risk been known. If brokered malice or gross negligence of the Policyholder, the Company shall be released from payment of compensation.
5. If such reservation or inaccuracy is exclusively attributable to one of the Insured, the Company may exclude the same from the policy by the Policyholder directed communication.
ARTICLE 14. PERFECTION TAKES EFFECT AND DURATION OF INSURANCE
1. The insurance is perfected by consent of the parties and shall enter into force on the day and time indicated in the Special Conditions of the policy and if the Policyholder has paid the first premium.
2. The insurance provides for the period specified in the Special Conditions. If you hire for renewable periods shall be tacitly extended for equal periods, unless one of the parties objects, by written notice to the other made with a term of at least one month before the end of the current period notification when who it opposes the extension is the policyholder, and two months when is the insurer.
3. If either party wishes to modify the contracted guarantees, excluding or reducing their hedges, notify the other hand, at least two months before the expiration of the current period. If the notified party does not answer fifteen days before the due date shall be deemed to accept this amendment which will take effect in the next period of insurance; and if you answer negatively, you can rescin- Dirse policy from maturity.
ARTICLE 15. AMOUNT OF PREMIUMS, PAYMENTS AND EFFECT OF ITS FAILURE TO PAY
Policyholder is obliged to pay the premium according to the General Conditions and particle-res of the contract. In the absence of agreement, regarding the place of payment, the Company will present the receipts at the last address that the Policyholder has notified.
The premium is indivisible and must and corresponds to the insurer throughout the entire duration of the contract agreement, even if it is agreed installment payment. If extinction of the contract before the agreed date of expiration or termination of the contract before the agreed date of maturity, or any of its extensions, the insurer is not required to reimburse the policyholder any amount corresponding the premium that has been paid in full, except in cases provided by law.
INITIAL PRIMA
1. The initial premium is to be fixed in the Special Conditions which corresponds to the initial period of coverage stated therein.
2. If, because of Policyholder the premium has not been paid after signing the contract or, where applicable, the expiration thereof, the Company is entitled to terminate the contract or demand payment of the premium due on track executive.
3. Unless expressly agreed otherwise, if the premium has not been paid before the loss occurs, the Company shall be released from its obligations.
SUBSEQUENT PREMIUMS
1. In the case of tacit renewal of the contract, the premium for successive periods will be the result of applying the premium rates that have established the Company at any time, based on technical actuarial criteria, taking into account also , modifications of guarantees or causes of aggravation or decrease the risk had occurred as provided in these Terms and Conditions.
2. The Company, at least two months before the expiration of the contract, notify the policyholder the amount of the premium for the new coverage period, by sending timely billing notice of receipt at the address stated for this purpose or , failing that, in the habitual residence of the policyholder.
3. Non-payment of one of the following premiums will result in coverage is suspended one month after the maturity date. If an accident occurs during the course of that month, the Compañ- ed may deduct the amount to compensate the premium due for the current period. If the Company does not claim the outstanding payment of the premium within six months maturity, the contract shall be terminated.
4. The premiums for this policy are automatically updated by applying the percentage change resulting from comparing the Consumer Price Index (CPI) on the date of notification, with the previous annuity, without an express agreement.
ARTICLE 16. AMENDMENTS TO THE RISK
1. The Policyholder or the Insured during the course of the contract shall notify the Company as soon as possible, all the circumstances that increase the risk and are of such a nature that if they had been known to it at the time of the perfection of the contract would not have executed or would have been executed under more burdensome conditions.
2. The increase in risk may, or may not be accepted by the Company in accordance with the following rules:
a) In case of acceptance, the Company will propose to the Policyholder the modification of the specific contract, within two months from the time in which the increase is declared.
The Policyholder has fifteen days from receipt of this proposal to accept or reject Zarla. In case of rejection or silence on the part of the Policyholder, the Company may, within that period, terminate the contract prior warning the Policyholder, giving to answer a new period of fifteen days, after which and within the following eight inform the policyholder final termination.
b) If the Company does not accept the modification of risk may terminate the contract by notifying the Policyholder within one month from the day I became aware of the aggravation.
3. In the event that the Policyholder or the Insured has not made his statement and befalling an accident, the Company will be released from your benefit if the policyholder or the insured has acted in bad faith. Otherwise, the provision of the Company shall be reduced proportionately to the difference between the agreed premium and that which would have applied the true magnitude of the risk been known.
4. During the course of the contract the Policyholder or the Insured may make known to the Company all circumstances that decrease the risk and are of such a nature that if it had been known at the time the contract was what would concluded on more favorable terms.
ARTICLE 17. INCIDENTS
1. In an incident occurs, the Policyholder, the Insured and / or Beneficiary are required to:
a) Communicate the occurrence of the incident, and if necessary, request the appropriate assistance by phone, indicating their identification data, the policy number, the place where you are and what kind of services you require, and always within the maximum period of seven days of having known, unless a broader one set in the Special Conditions of the Policy. For the purposes of management and review of claims, these conversations may be recorded.
b) use all means at its disposal to mitigate the consequences of the accident. The breach of this duty will entitle the Company to reduce its benefits in proportion timely, given the importance of damages resulting thereof and the degree of fault of the Insured.
If this breach occurs with the manifest intention of harming or deceiving the Company, it shall be released from any provision arising from the incident.
c) Communicate to the Company the existence of other insurance policies with other companies that may protect the loss.
d) To assist in the proper handling of the incident, communicating to the Company as soon as possible any judicial, extrajudicial or administrative notice that comes to their knowledge and is relative lated to the incident.
e) Provide the Company for any information about the circumstances and consequences of the incident, initial medical assistance and evolution of lesions of the Insured, in addition to supplementary information that it solicitase. Breach of this duty of information will result in the loss of the right to compensation in the event of willful misconduct or gross negligence.
f) To provide the supporting documents, receipts, certificates and reports to justify the occurrence of events covered under this Policy, as well as having incurred expenses compensable under it.
g) To submit to the recognition of doctors appointed by the Company, if it deems it necessary to complete the reports provided and to move on behalf of it, the appropriate place for such a survey is carried out.
2. The Company is obliged to pay compensation or provide services at the end of the investigations and surveys necessary to establish the existence of the claim, and if so to determine the amount of damage resulting therefrom or service to be provided .
3. When the Company decides to reject a claim based on the rules of the policy, must inform the Insured within a maximum period of fifteen days from the date that was aware of the case in that substantiates the refusal, stating the reasons therefor.
If from the refusal of a claim after having made payments and other benefits under the Fund, the Company may sue the insured the sums satisfied or the amount of the services provided.
ARTICLE 18 Subrogation
1. The Company, after completion of the benefits or compensation paid, may exercise the rights and actions that by reason of the loss correspond to the Insured against the persons responsible for it, up to the limit of those, and no such right can be exercised to the detriment of the Insured.
2. The Insured shall be liable for damages, with their acts or omissions, may cause the Company in its right of subrogation.
3. The Company is not entitled to subrogation against any of the people whose acts and omissions might lead to liability of the Insured, according to the law, or against the cause of the accident whatever with the Insured, a relative in direct line or collateral within the third civil degree of consanguinity, adoptive parent and adopted child living with the Insured. This rule will not take effect if the responsibility comes from willful misconduct or is covered by an insurance contract. In the latter case, the subrogation shall be limited in scope in accordance with the terms of the contract.
4. In case of concurrence of the Insured and the Company against a responsible third party, bro rec- obtained is divided between them in proportion to their respective interests.
ARTICLE 19. COMMUNICATIONS
1. Communications of the policyholder, the insured or the beneficiary will be considered valid only if they have been addressed in writing to the insurer.
In case of distance contracts, when the contract has been perfected by the consent of the parties expressed verbally, communications concerning statements of risk factors and other data needed for underwriting and policy issuance or supplements they will be made verbally. The parties authorize each other to record telephone conversations are kept to such effects.
2. All communications between the Policyholder, Insured or Beneficiary and the Insurer that may be effected on the basis of this Policy shall be valid and may be made not only by letter, written by any other means, including email, SMS or fax in the direction that both the insurance and the policyholder had provided either by hiring the Policy or at a later time, having the common nicar Policyholder to the Insurer as soon as possible, any change of address, phone , fax or email address facilitated.
3. The communications by the Underwriter by an insurance broker, on behalf of the Policyholder shall have the same effect as if the realizase it, unless expressly stated otherwise on their part.
4 In the case of group insurance, the Policyholder assumes the obligation to inform the insured of the terms and conditions agreed in the policy.
ARTICLE 20. ATTENDANCE OF INSURANCE
1. When any of the risks covered by this policy was insured by another entity insurers ra, during the same period, the Policyholder or the Insured shall, unless otherwise agreed contrary, notify the insurance company other existing .
If fraud this communication is omitted, and in case of over-insurance the accident occurred, the Company is not obliged to pay compensation.
2. Once the casualty, the Policyholder or the Insured must notify, in accordance with the provisions of Article 17 of these General Conditions, the Company, with the names of the other insurers, to contribute proportionally to the payment basis of performance.
3. In no case the insurance may be subject to unjust enrichment for the Insured.
ARTICLE 21. PRESCRIPTION, JURISDICTION AND DEPARTMENTS OF PRESCRIPTION CLAIM
The actions under this contract shall lapse at the end of five years, except those derived from the "Liability Coverage" which will do so within two years. The limitation period shall begin from the date on which the shares can be exercised.
COMPLAINTS AND JURISDICTION
1. This contract is subject to Spanish jurisdiction and, within it, will judge for understanding the actions derived therefrom that of the Insured, for which purpose it shall designate one address in Spain if he were domiciled in the Foreign.
2. Pursuant to the regulations established for the protection of users of financial services, in the event that dispute arises in the performance of this contract of insurance, the burner To- Insurance, the insured, the beneficiaries and injured third parties or their successors, may make a complaint by writing to the address MAPFRE claims by letter (paragraph post 281-28220 Majadahonda, Madrid), by email (reclamaciones@mapfre.com), or 900 20 50 09, in accordance with the Regulations for the resolution of conflicts between societies MAPFRE Group and users of financial services, available on the website "mapfre.es", and performance standards that sum and the policyholder are provided with this con- tract.
3. Investors may also make claims and customer complaints Insurer and their right-holders in connection with the performance of their insurance agents and bancassurance operators, in accordance with the Regulations and the procedure mentioned above .
4. The complaint may be made on paper or by computer, electronic or telematic means, in accordance with the provisions of Law 59/2003 of 19 December on Electronic Signature.
5. Dismissed such claim or passed within two months from the date on which the claimant has submitted, the latter may make a complaint to the Complaints Service of the Direccion General de Seguros (Paseo de la Castellana 44 , 28046, Madrid; email: reclamaciones.seguros@mineco.es, virtual Office: oficinavirtual.dgsfp@mineco.es).
6. Only with the express agreement of the parties may submit disputes arising from the interpretation and performance of this contract to the judgment of mediators or arbitrators, in accordance with current legislation.
ARTICLE 21 BIS. MODIFICATION OF WARRANTIES AGREED
Any party wishing to modify the guarantees agreed for the next period of insurance shall notify the other prior to expiry.
In any case, the insurer shall make such communication to the policyholder at least two months before the end of the current period, for which the policyholder may oppose the extension of contracts to at least one month prior to that period.
If the notified party has not indicated its opposition by written notice to the other, it is understood to have accepted and will take effect in the next period of insurance; and if you answer negatively, the policy may be terminated from their maturity.
Additional clauses ARTICLE 22
ADDITIONAL CLAUSE 1
CLAUSE CA-01. SEGURVIAJES DISPLACED
For SEGURVIAJE POLICY DISPLACED is eliminated limiting coverage to 90 days into the trip for which the insurance was contracted.
It limited to two years the maximum duration of this policy can not be renewed beyond this period unless expressly agreed otherwise.
ADDITIONAL CLAUSE 2
CLAUSE CA-02. PLATINUM SEGURVIAJE
the following additional conditions are set for the policy SEGURVIAJE PLATINUM:
a) In the Coverage Persons Assistance: Policyholders also be considered a spouse, domestic partner, unmarried children under 30 years and dependent ascendants of the Policyholder and / or Insured and provided that reside in the same household.
b) Baggage Coverage:
1. Compensation for theft of baggage or personal effects unbilled
The Company shall indemnify the material losses and damage to luggage or personal effects of the Insured traveling outside their place of habitual residence up to 900 euros, if:
a) Theft and damage as a result thereof;
b) Theft inside hotel rooms.
c) Theft inside a vehicle only when the objects are in the trunk and others safe from view and the vehicle remains within a closed and secure parking.
Valuables theft will be covered only when it is established that these objects were deposited in a safe or take them with you when the insured, the allowance for this item will reach up to 50% of the sum insured. Valuables jewelry, watches, objects of precious metals, furs, paintings, art objects, silver and precious metalwork, unique items, mobile phones and accessories, cameras and accessories photography and video, radio of understood recording or reproducing sound or images and their accessories, computer equipment of all types, models and remote control accessories, rifles and shotguns, and optical accessories, as well as wheelchairs and medical devices.
Compensation for theft of cash is limited to 100 euros.
They are not covered under this warranty mobile phones, laptops, briefcases and prescription glasses, which are hedged in the following assurances.
2. Compensation for theft mobile phone while on a trip Insured
The Company shall indemnify the mobile phone theft Insured traveling outside their usual place of residence, and the damage that theft has caused up to 120 euros.
At this warranty apply the conditions set out in paragraph 1 of this clause.
3. Compensation for theft laptop while on a trip Insured
The Company shall indemnify theft laptop Insured traveling outside their usual place of residence, and the damage that theft has caused up to 600 euros.
At this warranty apply the conditions set out in paragraph 1 of this clause.
4. Compensation for stolen briefcase displaced Insured traveling
The Company shall indemnify the Insured stolen briefcase traveling outside their place of habitual residence, and the damage that theft has caused up to 180 euros.
At this warranty apply the conditions set out in paragraph 1 of this clause.
5. Compensation for theft of prescription glasses displaced Insured traveling
The Company shall indemnify the theft of prescription glasses Insured traveling outside their usual place of residence, and the damage that theft has caused up to 90 euros.
At this warranty apply the conditions set out in paragraph 1 of this clause.
c) Platinum Exclusive Services:
1. Information Service card cancellation
The Company shall inform the Insured on the contact numbers of the issuing companies of their tarje- financial accounts so you can proceed to its cancellation in case of loss or misplacement.
2. Access to VIP airport lounges in Spain
The Company will facilitate access of the Insured and a companion to the VIP lounges that the company Spanish Airports and Air Navigation (AENA) manages several airports in Spain. However, the direction of the airport reserves the right not to authorize the entry into the VIP lounge to accredited persons, for safety reasons, technical or operational.
The services that the insured can get in these rooms they include: particularized information to users, self-service cafeteria, daily newspapers and general magazines, cleaning and replacement of consumables, limited access, television and teletext information and telephone connection to reserve conference rooms and meeting rooms, sending flowers and gifts, information and telephone connection for booking car hire.
In addition, the Insured may obtain a telephone and fax service to be paid at their expense.
The Company will seek access to these rooms by agreement with AENA, not being responsible, therefore, the quality and maintenance of services. AENA is the responsibility of attempting indicated that the services have the character of minimum and permanent, but the lack of any of them, because of a fault or temporary replacement is understood as a breach of the conditions of this service. Also, the possible modification of the conditions of these services is the sole responsibility of AENA, not assuming any responsibility Company in this regard.
3. pre-trip phone service
The Company shall provide the Insured before the trip, 24-hour general information on: embassies, consulates and foreign exchange, vaccination, visa and entry procedures to a country, hygienic sanitary recommendations, telephones, prefixes and schedules, weather and gastronomy, routes and tourist information listing the recipient.
4. Telephone service connection for bookings
The Company will manage the Insured reserves airline tickets, train, bus and ferry, hotel bookings and vacation packages.
ADDITIONAL CLAUSE 3
CLAUSE CA-03. AVENTURA SEGURVIAJE
POLICY SEGURVIAJE for AVENTURA, the maximum duration of the covered trip is limited to 30 days, unless expressly agreed otherwise.
In general, this policy can not be extended, after his term duration. ADDITIONAL CLAUSE 4
CLAUSE CA-04. TEMPORARY SEGURVIAJE
For SEGURVIAJE TEMPORARY POLICY, its duration is, unless otherwise agreed, the same as the trip hedged.
In general, this policy, the term may be extended duration elapsed. ADDITIONAL CLAUSE 5
CLAUSE CA-05. SEGURVIAJE HUNTING SAFARIS
the following additional conditions are set for SEGURVIAJE HUNTING SAFARIS POLICY:
1. Compensation for definitive loss or deterioration of firearms, ammunition intended visor and two to the practice of hunting and billed in flight
The Company shall inform the Insured of rights and procedures to be carried out against the airline respon- sible for permanent loss or impairment of firearms, ammunition and display declared and invoiced Rados in flight, and will complement the compensation received from the airline to the limit duly established in the Specific or Special Conditions.
To claim compensation for this guarantee, the Insured must submit the following documents:
a) Irregularity Report (PIR).
b) Letter of liquidation of the airline certifying the definitive loss or deterioration gun fue- go, display and / or ammunition intended for hunting practice.
c) A copy of the complaint to Intervention Arms and Explosives of the Civil Guard and, if the loss occurred abroad, copy of the complaint to the competent authority.
In case claim compensation for the deterioration of firearms it is only necessary to present the Property Irregularity Report (PIR).
Also, it must prove that such weapons are intended for the practice of hunting or sport hunting and owned by the Insured appearing as such in the membership guide.
2. Rental charges for late delivery of the weapon billed in flight
In case of a delay of more than six hours after the flight arrival billed weapon delivery, the Company shall inform the Insured of rights and procedures to be carried out against the airline responsible ble and indemnify up to the limit has been established in the Specific or Special cial conditions, by renting another weapon similar characteristics.
There will be no place for this benefit if the delay happens on the return flight trip hired for hunting practice.
To claim compensation for this guarantee, the Insured must submit the following documents:
a) Irregularity Report (PIR).
b) A written complaint to the airline meeting the deadlines established by each company.
c) Original invoice gun rental.
3. Liability Coverage
Coverage for Civil Liability Policy SEGURVIAJE HUNTING SAFARIS, is repealed Article 8 of the General Conditions, continue to apply the additional conditions set out below:
ARTICLE 1. RISKS COVERED
The Company guarantees the insured the payment of compensation of may be held civilly responsible for personal injury and property damage to third parties, by fault or negligence, when these damage during the course of the practice of hunting in any country the scope of insurance coverage indicated in Special Conditions, excluding the events in Spanish territory.
Also, they are also guaranteed, even if unfounded claims to the limit of the sum insured established in the Specific or Special Conditions: a) The constitution of the judicial fian- wham required of the Insured to ensure liability; b) Legal costs, where they are imposed on the Insured, which will be paid in the same proportion between the compensation payable by the Company in accordance with the policy, and the total paid by the Insured in the accident.
The Company will assume the legal defense against the claim of the injured third party, unless expressly agreed otherwise, being their own legal expenses incurred up to a maximum of 6,000 euros for the events abroad.
The Insured must provide the necessary cooperation in order to establish the legal defense assumed by the Company.
If a conviction occurs in judicial proceedings conducted against the Insured, the Insurer shall decide whether to appeal to the competent High Court; if it considers inadmissible the appeal, it shall inform the person concerned, leaving it free to appeal on his own account.
In the latter case, if the appeal produced a favorable to the interests of Aseguradora sentence, compensation deducted by the same, it shall be obliged to bear the expenses originase that resource.
When a conflict between Insured and Company occurred because there were contrary to the defense interests of the insured, the Company will this fact known to the Insured, subject to perform those procedures which by their urgent nature, are necessary for his defense. In this case, the Insured may choose between retaining the legal defense by the Company or entrust their defense to another person. In the latter case, the Company shall be obliged to pay the costs of legal defense to the limit of 3,010 euros.
When civil proceedings has reached an amicable agreement, the defense in criminal proceedings shall be optional for the Company and, in any case, be subject to the prior consent of the Insured.
In any case the Policyholder, the Insured and / or Beneficiary shall not negotiate, accept or reject any injured party claims relating to loss, unless expressly authorized tion with the Company.
The limit duly established in the Specific or Special Conditions represents the maximum you to indemnify the Company, in each incident, to the set of compensation for personal injury or caused limited material.
ARTICLE 2. EXCLUDED RISKS
For, in addition to the General Exclusions this guarantee to all the guarantees of this policy de- scribed in Article 12 of these General Conditions, the consequences arising from or produced by the following facts are not covered:
a) Acts occurred in Spanish territory.
b) Damage caused by the Insured when not possess the legally required licenses or permits for the possession of weapons and / or practice of hunting.
c) Damage to property or animals that are in the possession of the Insured under any title.
d) Damage resulting from participation in bets, challenges or contests of any nature or in their preparatory events, except as provided in these Conditions.
e) Damage resulting from active participation in bets, challenges, races or contests of any nature or in their preparatory events, except as provided in these Conditions.
f) Payment of penalties and fines, and the result of its default.
g) Acts occurred in Spanish territory.
h) Liability for damage caused due to the use and circulation of motor vehicles or boats.
i) Claims for damage caused by any device or aircraft intended for air navigation or damage to them.
j) Obligations assumed under contracts or agreements, which would not be legally enforceable in the absence of such agreements.
k) Those economic losses not resulting in bodily injury and Amparo materials rado by the policy and the economic losses resulting from bodily injury or material covered by the policy.
l) The practice of following sports or activities: motorsports, motorcycling, submarinis- mo and any form of air sports.
ARTICLE 3. SCOPE AND TEMPORARY RESTRICTION
This coverage shall protect only claims made by events in any country in the area indicated in the particular conditions that result in liabilities covered by the policy, excluding any case events in Spanish territory.
For the purposes of this coverage, this insurance covers the consequences of ocurri- claims two during the validity period, ie from the initial effect of the policy to date of termination of the contract, provided that the communication of the incident to the Company is formulated during the insurance period or within two years from the date of termination, subject to the terms legally established prescription.
4. Personal Accident Coverage
are expressly included in the policy SEGURVIAJE HUNTING SAFARIS, the accidents suffered by the Insured during the practice of sport hunting abroad, in any of its modalities, in accordance with the conditions set out in Article 7 of the Conditions general,
CLÁUSULA ADICIONAL 6
CLÁUSULA CA-06. SEGURVIAJE ESQUÍ Y ORGANIZADORES DE VIAJES DE ESQUÍ
Para la PÓLIZA SEGURVIAJE ESQUI y ORGANIZADORES DE VIAJES DE ESQUI se establecen las
siguientes condiciones:
a) Podrán contratarse dentro de la Cobertura de Asistencia a Personas las garantías:
1. Gastos de rescate en pista
La Compañía se hará cargo de los gastos de socorro en pista, en caso de accidente del Asegurado sobreveni- do en las pistas de esquí, para su traslado desde la pista hasta el centro médico de las instalaciones de la estación de esquí, hasta el límite que haya sido establecido en las Condiciones Particulares o Espe- ciales.
2. Indemnización por pérdida de clases de esquí
En caso de repatriación médica del Asegurado, la Compañía indemnizará las clases de esquí no disfrutadas desde el inicio de la enfermedad o accidente sobrevenidos que motivo la repatriación hasta el límite que haya sido establecido en las Condiciones Particulares o Especiales. Al efecto, el asegurado ha de presentar a la Compañía la factura original de las clases.
3. Indemnización de forfait no utilizado
En caso de repatriación médica, la Compañía indemnizará al Asegurado el forfait correspondiente a los días no disfrutados desde la fecha de inicio de la enfermedad o accidente sobrevenidos que motivó la repatriación hasta el límite que haya sido establecido en las Condiciones Particulares o Especiales.
4. Gastos de muletas
En caso que el Asegurado sufra un accidente como consecuencia de la práctica de esquí que le impida cami- nar por sus propios medios, la Compañía reembolsará el importe de las muletas que necesite para de ambula- ción hasta el límite que haya sido establecido en las Condiciones Particulares o Especiales. Al efecto, el Asegurado ha de presentar a la Compañía el correspondiente informe médico que haga constar la prescrip- ción del uso de muletas. Se excluyen de esta garantía los gastos que se deriven de la utilización de cualquier otro aparato ortopédico.
b) Podrán contratarse dentro de la Cobertura de Equipajes las garantías:
1. Indemnización por pérdida definitiva o deterioro del material de esquí facturado en vuelo
La Compañía informará al Asegurado de los derechos y trámites a efectuar frente a la compañía aérea res- ponsable en caso de pérdida definitiva o deterioro del material de esquí facturado en vuelo y complementará la indemnización recibida de la compañía aérea hasta el límite que haya sido establecido en las Condiciones Particulares o Especiales.
Para reclamar la indemnización por esta garantía el Asegurado deberá entregar la siguiente documentación:
a. Parte de Irregularidad de equipaje (PIR).
b. Carta de liquidación de la compañía aérea que certifique la pérdida definitiva o deterioro del material de esquí.
c. Relación del material de esquí facturado con la valoración económica que efectúe el Asegurado.
En el caso de reclamar indemnización por el deterioro del material de esquí facturado en vuelo solo es nece- sario presentar el Parte de Irregularidad de Equipaje (PIR).
Las indemnizaciones percibidas por esta garantía son complementarias a las que pudieran corres- ponder por la garantía de “Indemnización por pérdida definitiva o deterioro exterior del equipaje facturado en vuelo” recogida en el artículo 4.4.1 de las Condiciones Generales.
CLÁUSULA ADICIONAL 7
CLÁUSULA CA-07. SEGURVIAJE GOLF
Para la PÓLIZA SEGURVIAJE GOLF se establecen las siguientes condiciones adicionales:
a) Podrán contratarse dentro de la Cobertura de Equipajes las siguientes garantías:
1. Indemnización por pérdida definitiva o deterioro de artículos destinados a la práctica del golf y facturados en vuelo
La Compañía informará al Asegurado de los derechos y trámites a efectuar frente a la compañía aérea res- ponsable en caso de pérdida definitiva o deterioro del material de golf facturado en vuelo y complementará la indemnización recibida de la compañía aérea hasta el límite que haya sido establecido en las Condiciones Particulares o Especiales.
Para reclamar la indemnización por esta garantía el Asegurado deberá entregar la siguiente documentación:
a. Parte de Irregularidad de equipaje (PIR).
b. Carta de liquidación de la compañía aérea que certifique la pérdida definitiva o deterioro de los artículos destinados a la práctica del golf.
c. Relación del material con la valoración económica que de él efectúe el Asegurado.
En el caso de reclamar indemnización por el deterioro de artículos de golf solo es necesario presentar el Parte de Irregularidad de Equipaje (PIR).
Las indemnizaciones percibidas por esta garantía son complementarias a las que pudieran corres- ponder por la garantía de “Indemnización por pérdida definitiva o deterioro exterior del equipaje facturado en vuelo” recogida en el artículo 4.4.1 de las Condiciones Generales.
2. Gastos de alquiler por demora en la entrega de artículos destinados a la práctica del golf factu- rados en vuelo
En caso de una demora superior a seis horas desde la llegada del vuelo en la entrega del material facturado destinado a la práctica de golf, la Compañía informará al Asegurado de los derechos y trámites a efectuar frente a la compañía aérea responsable e indemnizará hasta el límite que haya sido establecido en las Condiciones Particulares o Especiales, por el alquiler de otro material de similares características.
No habrá lugar a esta prestación si la demora sucede en el vuelo de vuelta del viaje contratado para la práctica del golf.
Para reclamar la indemnización por esta garantía el Asegurado deberá presentar los siguientes documentos:
d. Parte de Irregularidad de equipaje (PIR).
e. Reclamación por escrito ante la compañía aérea cumpliendo los plazos establecidos por cada compañía.
f. Factura original del alquiler del material destinado a la práctica del golf.
3. Rotura de un palo durante la práctica del golf
En caso de rotura de un palo durante la práctica del golf en un recinto cerrado destinado a la práctica de dicho deporte, la Compañía abonará hasta el límite que haya sido establecido en las Condiciones Par- ticulares o Especiales, el coste del alquiler de un palo de similares características para poder continuar con la práctica del golf objeto del viaje.
ADDITIONAL SECTION 8
CLAUSE CA-08. SEGURVIAJE FOR REPATRIATION OF IMMIGRANTS
The SEGURVIAJE POLICY FOR IMMIGRANT covers REPATRIATION transfer or sanitary tary repatriation in case of illness or accident, the Insured moved outside Spain, unless is posted in their country of origin.
As an exception to the provisions of the General Conditions, this warranty are covered labor accidents, except tes occurring by performing the following professions: stonecutters, miners, fishermen inshore and offshore fisheries, federated or not athletes, pilots and aircraft crews, divers, bullfights and any activity involving a risk of similar characteristics to the physical integrity or health of the worker.
IF YOU DO NOT AGREE RECLAME. THANK YOU. WHO CAN CLAIM
- Policyholders, the policyholders and beneficiaries of insurance policies with MAPFRE, as well as their dependents.
- Investors, participants and beneficiaries of individual pension and investment funds gestio- Nados, promoted or deposited in MAPFRE, as well as their dependents.
- Third parties harmed by incidents covered by insurance contracts contracted with MAPFRE.
- Customers of insurance agents and bancassurance operators who provide mediation services for private insurance Group insurance companies, as well as their dependents.
WHEN CLAIMING
You can make a complaint when it considers that any decision ta MAPFRE not respected the rights that correspond according to the contract signed by you, provided that:
- There is a formal decision by MAPFRE that denied what his judgment corresponds or inactivity of sufficient importance to consider that their rights have been infringed.
- Do not try to a matter submitted or already settled by a judicial, administrative or arbitral decision. HOW TO CLAIM
- The claim shall be sent to the MAPFRE Claims Management letter (PO Box 281 -
28220 Majadahonda, Madrid) or email (reclamaciones@mapfre.com).
- The complaint must be in writing and in it, must be entered personal data, address, number of your policy or contract and the facts that justify their claim.
To facilitate the processing of claims in all our offices are printed to the effect models.
However, Claims Management will also hear claims submitted by any other written means.
- The claim may be made on paper or by computer, electronic or telematic means, in accordance with the provisions of Law 59/2003 of 19 December on Electronic Signature.
HOW TO RESOLVE YOUR CLAIM
- Complaints Directorate will acknowledge your complaint and forwarded to the relevant body of MAPFRE for analysis.
- In any case, MAPFRE resolve your complaint within two months, once you have provided all the necessary data.
- In those cases where it is competent to intervene the Defence Committee of the Insured in accordance with our rules, previously you will receive a draft resolution, and can you decide whether to accept or ask your claim is studied and settled by the Commission. In the letter in which it is communicated our draft resolution, we will indicate clearly and convey its decision.
- Dismissed your claim or after a period of two months of its submission, can you formulate complaint to the Claims Service of the Directorate General of Insurance and Pension Funds (Paseo de la Castellana, 44, 28046, Madrid; email: reclamaciones.seguros@meh.es, virtual Office: www.dgsfp.es)
HELP US TO SERVE CORRECTLY
Complaints Directorate is not a Customer Service for normal incidents related to the issuance noughts and collection of their policies or treatment of their claims, for which must go to any of the offices of the entity or the Centers phone provided for this purpose, whose tele- phonic numbers are provided in signing him their policies or contracts.
INTERNAL PROCEDURE AND REGULATIONS APPLY
- The procedure described in this booklet is in the Regulations for the settlement of disputes between the MAPFRE Group companies and users of financial services, available in the "mapfre.es" Web page.
- Ministerial Order ECO 734/2004 of 11 March.
