INSURANCE DEFINITIONS
COSTA CROCIERE S.p.A., in collaboration with Allianz Global Assistance, a company specialised in insurance cover for the tourism sector, has agreed and assessed the adequacy of a specific
insurance policy with particularly favourable contractual conditions, and whose cost is already included in the payment, for all those taking part in cruises in the ‘Emerging Countries Programme’. Policy No. 172.061 has been deposited in the offices of COSTA CROCIERE S.p.A. The full version of the cover will be given with the travel documents before the departure; however, the full regulations, which are available on the website indicated below, can be consulted at the booking stage: www.allianz-global-assistance.it/corporate/Prodotti/certificati-assicurativi/
Definitions
Family member: the Insured’s spouse, children, father, mother, brothers, sisters, half brothers and
sisters, grandparents, in-laws, sons and daughters in-law, brothers and sisters in-law, uncles and aunts, as well as anyone else co-habiting with the Insured, provided that resulting from appropriate certificate.
Baggage: all those personal effects worn or carried by the Insured on the cruise, including clothing,
sports equipment and toiletries, photo and video cameras, medical equipment for the disabled, children’s buggies and prams, cases and any transport cases. Operating Centre: the AGA Service Italia S.c.a.r.l. structure which, in conformity with ISVAP Regulation 12 dated 9 January 2008, provides telephone contact with the Insured 24 hours a day, 365 days a year, and arranges and provides the assistance services set out in the policy.
Insured: the person whose interests are protected by the insurance or every person enrolled in the
cruise Guide to Costa Cruises organised by Costa Crociere S.p.A. and advised to the company in a normal manner.
Contracting party: Costa Crociere S.p.a., piazza Piccapietra 48, 16121 – Genoa (Italy), indicate
below as Costa Crociere.
Address: the place where the Insured has his/her main address for his/her affairs and interests.
Excess: the part of the damage which the Insured will pay, calculated in a fixed or percentage
manner.
Accident: the event due to accidental, violent and external circumstances which produces bodily
Care institute: public health structure or private care home with regular authorisation, as per the law in force, for the provision of hospital services. The following are not considered care institutes: spa centres, structures for the elderly, long-term stay or convalescence homes, structures whose main aim is dietetic, physiotherapy and rehabilitation.
Residence: the place where the Insured has his/her habitual home.
Admission: admission to a care institute which requires at least one overnight stay (day hospital
and Accident and Emergency excluded).
Company: AGA International S.A. - General Agent for Italy, hereinafter also named with its brand
Allianz Global Assistance.
Trip: the cruise including accommodation on board ship, flights, transfers and excursions booked
in Italy sold by Costa Crociere S.p.A. to the Insured and showing on the relative contract or travel document.
REGULATIONS COMMON TO ALL COVERS
Effective date, Expiry, Operativity The services and insurance cover are effective from and valid: For the Baggage cover, Personal Assistance, Medical Expenses, Civil Liability of the traveller, Legal Assistance, Interruption of the Cruise, Delay of Aircraft
- for Insured resident abroad, from the time of boarding and for the duration of the cruise; - for cruises made for tourism, study or business purposes with, however, a maximum of 60 days from the date the cruise starts. Exclusively for Round World Cruise the validity of the policy is extended to the entire duration of the cruise;
- for ‘Delay of Aircraft’ in particular, the cover is operative from the last official time advised to the Insured by Costa Crociere S.p.A. before departure;
- up to the amount of the capital set out for each cover and summarised in the ‘Table of Services and Capital Insured’.
“Outings and excursions” accidents from the time in which the Insured disembarks and for the period necessary to take advantage of the services acquired (outings and excursions) and terminates at the time the embarkation operations start.
Aim Baggage – Within the limit of the capital insured of €2,600 per person, Allianz Global
Assistance will indemnify the Insured for material and direct damage to him arising from the theft, snatch, robbery, fire, soaking or leakage of liquids, or failure to return the baggage by the carrier. Damage caused by a carrier is covered up to a maximum sum of €150 per person.
Purchase of essential items - Allianz Global Assistance will reimburse the Insured for the
documented expenses in purchasing essential items following a delay of more than 8 hours in the return of baggage by the airline company, in excess of the capital insured, and with a maximum of €400 per insurance period, calculated on the basis of the official time of arrival at one of the destinations of the outward flight. The cover will be operative from the time of the first check-in and terminate before the last check-in.
The following goods are excluded: - money in any form;
- shares of any kind, documents, cheques, traveller’s cheques and credit cards;
- coins, stamps, works of art, collections, samples, catalogues, goods, travel documents;
- audio, audio-visual and photo-cine-optical equipment entrusted to third parties (hoteliers, airlines, etc.);
- professional instruments, personal computers, mobile telephones and PDAs, arms, helmets and car radios.
Limits of indemnity
The indemnity will be paid with the following limits per object:
- suitcases and travel bags, items of clothing, personal objects that the Insured takes with him on the cruise: per item €300
- jewels, precious items, watches, furs: per item €400 and cumulatively €800 - photo-cine-optical equipment (considered as a single item) per item €500 - sports equipment: per item: €600
- health equipment for the disabled: per item and cumulatively equal to capital of €2,600 - equipment for infants [e.g. pushchairs and prams]: per item €400
Excess
Compensation shall be paid applying an excess of €50 per claim. However, if damage is over €50 compensation shall be paid, up to a maximum of €150, without deducting any excess.
2. HEALTH ASSISTANCE AND MEDICAL EXPENSES – (EXTRACT OF THE
CONDITIONS)
Aim
Of Health Assistance cover Allianz Global Assistance will make the medical and organisational structure of the Operating Centre available to the Insured in difficulty during the cruise, and which, also in collaboration with the local doctors or those on board, will activate the cover and assistance services which it considers most appropriate for management of the case, i.e.: - Telephonic medical consultancy.
- Indication of a specialist doctor abroad. - Transport – return for health reasons.
- Return at the same time of all family members or a travelling companion following the return for health reasons of the Insured, or his decease.
- Accompanied return of an insured minor.
Early return of the Insured, all family members and a travelling companion following the death or admission to hospital with imminent danger to life of a family member at home.
- Return trip for a family member to assist the Insured in hospital for a period of more than 10 days. Allianz Global Assistance will also bear the costs of the hotel (overnight stay and breakfast) up to the maximum amount of €100 per day for a maximum of 10 days.
- Costs of extended stay in a hotel (overnight stay and breakfast) up to the maximum amount of €100 per day for a maximum of 10 days.
- Hotel costs for the stay on dry land of family members or a travelling companion of the Insured, with him on the cruise and who have to interrupt it to help him following his admission to hospital. Allianz Global Assistance will be responsible for the hotel expenses (overnight stay and breakfast) up to a maximum amount of €100 a day for a maximum of 10 days and, however, with a limit of €1,000 per event.
- Return of the convalescent Insured in cases in which his state of health prevents return with the means initially planned. The cover is extended to family members and a travelling companion up to the overall limit of €1,000.
- Finding and sending urgent medicines not available locally but regularly registered in Italy. - Interpreters available for up to an overall 8 hours of work.
- Transmission of urgent messages.
- Reimbursement of telephone charges for contacting the Operating Centre, up to a limit of €100. - Transport of the body.
- Money advance up to €8,000.
Aim of the Medical Expenses cover Allianz Global Assistance, if contacted in advance, will arrange for the following, within the limit of each upper amount, per event and per period:
1. Direct payment up to €50,000 of hospital and surgical expenses.
2. Direct payment up to €5,000 of the medical expenses paid for admission to the hospital structure on board.
Cover is given up to the time when the Insured is released or, in the unquestionable opinion of Allianz Global Assistance doctors, is in the condition to be returned. In cases in which the Operating Centre cannot make direct payment, the expenses will be reimbursed, as long as
authorised by the Operating Centre contacted in advance or, however, not after the date of release of the Insured. No reimbursement is provided for if there is no contact with the Operating Centre. 3. Reimbursement up to €2,000 of the expenses of: - transport from the place of the incident to the first aid medical centre or centre of first admission;
- search and rescue at sea.
4. Reimbursement up to €1,000 of the expenses: - for medical checks;
- doctors on board;
- medicines, as long as supported by the medical prescription; outpatients’ care; for cure on return, within 60 days, for the direct consequences of an incident occurring while travelling.
5. Reimbursement up to €200 of the expenses for urgent dental treatment.
All reimbursements will be made with application of a fixed excess of 60 per claim.
3. LEGAL ASSISTANCE - (EXTRACT OF THE CONDITIONS)
Bail money up to 25,000, following a negligent event of the Insured occurring abroad.- Finding a lawyer abroad up to €5,000, for the local management of civil disputes.
4. INTERRUPTION OF THE TRIP - (EXTRACT OF THE CONDITIONS)
Aim
If one of the following assistance services, organised by Allianz Global Assistance, is activated: a) medical transport – repatriation as planned by art. 2; b) early return as planned by art. 2; c) transport of the body as set out by the cover in Art. 2;
Allianz Global Assistance will reimburse the Insured, family members or a travelling companion the pro rata of the holiday not enjoyed, up to the maximum amount of €5,200, with effect from the date of disembarking, on condition that boarding once more cannot subsequently be made. Reimbursement will be made, up to the maximum amount of €5,200, counting just the individual part of the journey divided by the number of days in the trip and multiplied by the number of days missing for the completion of the cruise (pro-rata temporis) excluding the day of return.
5. DELAY IN THE AIRCRAFT - (EXTRACT OF THE CONDITIONS)
Aim
5.1 Indemnity – If the flight is delayed, as calculated on the basis of the official timetable advised to the traveller/Insured with the travel documents or convocation fax by Costa Crociere or on its behalf, for any reason attributable to either the airline or Acts of God such as strikes, airport congestion, inclement weather or other, Allianz Global Assistance will indemnify the Insured with €150 after the first 8 complete hours delay in the first outward and/or return flight.
5.2 Reimbursement 75 % Crociera – As an alternative to point 5.1, if the delay of the aircraft of more than 8 complete hours of the first outward flight prevents the Insured from embarking on the ship, Allianz Global Assistance will reimburse 75% of the total amount of the cruise (net of
administrative costs, the insurance premiums, airport/embarkation/disembarkation taxes and visas).
6. THIRD PARTY CIVIL LIABILITY (RCT) - (EXTRACT OF THE CONDITIONS)
Aim
Allianz Global Assistance will pay the amounts the Insured is required to pay as civilly liable, as per the law, as compensation (capital, interest and costs) for damage involuntarily caused to third parties for death, personal injury and damage to things resulting from an accidental fact occurring during the validity of the policy, relating to events of the private life, with the exclusion of all responsibility referring to the professional activity. The damage arising from the following is, likewise, included in the cover:
- ownership of domestic animals;
- ownership and use of velocipedes, vehicles and motor vessels not more than 6.5 metres long, golfcars;
- use of horses and other saddling animals with the consent of the owner;
- doing sports, including competitions, not at a professional level, leisure time activities in general. Upper limits
Per event and insurance period:
- €25,000 for damage to things and animals; - €100,000 for bodily damage to people. Excess
In relation to damage to things and animals, insurance is given with the application of an excess on the damages payable 10% with a minimum of €250 per claim. Provisions and limitations Cover is given as a second risk with respect to any other civil liability policies operating to cover the same risk. Geographical extension The insurance is valid for the whole world with the exclusion, however, of action against the Insured in the USA or Canada.
7. ACCIDENTS - (EXTRACT OF THE CONDITIONS)
Aim
Allianz Global Assistance will insure accidents (not flying accidents) suffered by the Insured during the outings and excursions on land which lead to death or permanent invalidity within one year of the day on which they occurred.
Allianz Global Assistance will also insure accidents suffered while in an ill state or unconsciousness arising from inexperience, imprudence or negligence, even serious negligence. Allianz Global Assistance will also consider the following accidents:
- asphyxia which is not of an unhealthy origin;
- acute poisoning from swallowing or absorption of substances; - drowning;
- hypothermia or freezing; - sun- or heat-stroke.
Allianz Global Assistance will not consider the following accidents: - hernias, except abdominal ones arising from effort;
- heart attacks of any kind. Effective date and operativity
The cover will be effective from the time the Insured disembarks on land for the period necessary to take advantage of the services acquired (outings and excursions) and terminates at the time in which the embarking operations begin for the return to the ship.
Capital insured: - €25,000 for death;
- €25,000 for permanent invalidity. Excess
There will be no indemnity permanent invalidity when this is of 5% of the total or less.
If, however, it is greater then this percentage, the indemnity will only be paid for the percentage above this figure.
Beneficiaries Legitimate and/or testamentary heirs.
8. IF THERE IS A CLAIM THE COMPLETE REGULATIONS ABOUT WHAT TO DO
IF THERE IS A CLAIM (INCLUDING THE EXCLUSIONS) IS SHOWN IN FULL IN
THE CONDITIONS OF INSURANCE IN:
- Web site www.allianz-global-assistance.it/corporate/Prodotti/certificati-assicurativi/
- The information note which will be given with the otherdocuments before the cruise leaves. For all information relating to any claims, please consult the web site
www.allianz-global-assistance.it/corporate/Prodotti/certificati-assicurativi/ The precise indication of the bank details and tax code of the Insured, so that compensation can be paid via bankcredit transfer, for timely and safe liquidation of the claim.Following the instructions on the insurance certificate carefully is essential for the correct and fast liquidation of the damages.
PRIVACY INFORMATION ON THE TECHNIQUES OF REMOTE COMMUNICATION (EX LEGIS. DEC. 196 OF 30/6/03) To respect the law on privacy, we would like to inform you about the use of your personal data and your rights. Our company has to acquire (or already holds) some data on you. The data you or others have given is used by AGA International S.A. - Italian Branch., by companies of the same group in Italy and third parties to whom it will be advised for the purposes of giving you the information you have requested via fax, telephone, including mobile phones, e-mail or other techniques of remote communication.
As a result, we ask you to authorise the handling of your data necessary for the above purposes. If you have supplied sensitive data, we will handle that, too. Therefore, the authorisation will also concern that data that you may have supplied. We will not be able to supply the service wholly or partly without your data. Your personal data will only be used with the methods and procedures strictly necessary to supply you the service and any information you have requested.
We use the above remote communication methods when we communicate some of this data to other companies in our sector, in Italy or abroad, and to other companies in our group, in Italy or abroad, for the same purposes.
We use people we trust to carry out technical and organisational tasks for some services on our behalf.
Some of these people also operate abroad. Some of these people are our direct collaborators and perform the function of our datahandling manager or work completely independently as external suppliers and are listed separately as data handlers. In particular, these are bodies which are part of the Allianz S.E. group in Italy, service companies to which the management, liquidation and
payment of claims has been entrusted, IT and telematics services or filing companies, and postal service companies indicated in the postal package. The list of all the above people and bodies is constantly updated and you can easily obtain a copy free of charge by requesting it from AGA International S.A. - Italian Branch, Servizio Privacy (Privacy Service), P.le Lodi 3, 20137 Milan, Italy
or on Fax No +39 02 26624019 e-mail: [email protected] where you can also obtain a list of current managers.
The authorisation we ask you for also concerns, therefore, the transmission to and handling by these bodies and is necessary for the fulfilment of the purposes of the supply of the service. You have the right to know what your data is and how it is used at any time.
You also have the right to have it updated, integrated, rectified or cancelled, ask for it to be blocked and oppose its handling. Please contact AGA International S.A. - ITALIAN BRANCH SERVIZIO Privacy (Privacy Service), P.le Lodi 3, 20137 Milan, Italy or on Fax No. +39 02 23695948, e-mail [email protected] for the exercise of your rights.
INFORMATION FOR THE CONTRACTING PARTY – SET OUT IN ACCORDANCE WITH ART. 185 LEGIS. DEC. 209 OF 7.9.2005 AND COMPLIANT WITH THE PROVISIONS OF ISVAP REG 35 OF 26 MAY 2010. This ‘Information Note’ is to give the Contracting Party (physical or legal person signing the insurance contract) all the information necessary, before signing the contract (insurance contract), in accordance with the provisions of Art. 185 Legis. Dec. 209 dated 7.9.2005. This note has been written in Italian in Italy, without prejudice to the right of the Contracting Party to ask for it to be written in another language.
1) Information on the Company
- Company name and legal form of the company (Insurance Company) The insurance company is AGA International S.A.
- Registered office 37, Rue Taitbout, 75009 Paris - France French Trade Register nr. 519490080 Share capital subscribed € 17.287.285
- Licenses
Authorized to provide Insurance Services by dall’Autorité de Contrôle Prudentiel (ACP) on February the 1st 2010
- Italian Branch Piazzale Lodi 3, 20137 (MI), Milan, ITALY Tax code, VAT number and enrolment in the Business Register of Milan No. 07235560963 Economic and Administrative Index 1945496 - Licenses
Company authorized for insurance work in Italy by way of establishment, enrolled on 3 November 2010 at No. I.00090, in the appendix of the professional roll of insurance companies. List I.
- Legislation applicable to the contract The legislation applicable to the contract is Italian; however, the Parties have the right to choose a different legislation before the signature of the contract. The company suggests the choice of the Italian legislation. Application of the binding regulations of Italian law remains however.
- Prescription of rights arising from the contract
All rights of the Insured with regard to Allianz Global Assistance arising from this contract are prescribed in two years from the day on which the fact on which the right is based occurred, as per Art. 2952 of the Italian Civil Code.
- Complaints about the contract Any complaints concerning the contractual relationship or the management of the claims must be forwarded in writing to the company:
- Servizio Qualità (Quality Service) AGA International S.A. Italian Branch - P.le Lodi 3 - 20137 Milano (Italy) Fax: +39 02 266 24 008 - e-mail: [email protected]
If the person making the complaint is not satisfied by the outcome or if no answer is received within the maximum term of forty-five days (45), he can refer to: IVASS, Via del Quirinale, 21 - 00187 Roma Fax 06.42133.745 – 06.42133.353, enclosing the documentation relative to the complaint dealt with by the company. For disputes referring to the quantification of damages and the attribution of responsibility, remember that this remains the exclusive competence of the judicial authority, in addition to the right to resort to conciliation systems where they exist. In the case of cross-border dispute between a contracting party / insured domiciled in a State member of the European Economic Area and a company having its registered office in another member state, the contracting party / insured may request the activation of the FIN-NET process, forwarding the complaint directly to the foreign jurisdiction, that’s to say the one in which the insurance company issuing the contract has its head office(identified by accessing the website
http://www.ec.europa.eu/fin-net), or, if the contracting party / insured is domiciled in Italy, he can forward the claim toward IVASS which provides to send it to the foreign jurisdiction, giving notice to the contracting party / insured itself.
3) Information during the contract - If variations referring to the informationabout the company and/or the contract occur during the duration of the contract, the company undertakes to advise the contracting party of them as soon as possible, and also give all necessary clarifications.
