Travel Insurance Certificate
Policy Card Holder
Start of cover *
End of cover **
* or the date card was contracted if after **or the date contract expired if prior
This certificate supersedes all insurance documents or information previously provided regarding the card policy holder agreement established.
8th The insurance contract is governed by the provisions of Law 50/ 1980 of the October, the Insurance Agreement and other regulatory Spanish rules of private insurance. It is also governed by the terms of the policy.
Insured Parties(hereinafter referred to as “the Insured”): Holders of a valid Madrid Youth Card.
Beneficiaries: Eligible individuals or legal entities.
Insurer:SegurCaixa Adeslas, SA Insurance and Reinsurance, residing at 08014 Barcelona, C / Juan Gris 20-‐26, NIF A-‐ 28011864.
Excess:amount that is exempt from insurance cover. To be deducted from the value of damages to establish the amount of compensation or payout required to satisfy the insurer in the event of an accident covered by the policy.
Youth Card Holder:Individuals who have been issued a card which is for personal use only and non-‐ transferable, at the request of the holder.
Family members:Family members are considered to be only spouses, civil partners, children, parents, grandparents, siblings, parents-‐in-‐law, sons and daughters-‐in-‐law and brothers and sisters-‐in-‐law of the Insured, except for the provision for each type of cover or guarantee. Legal guardians are also included.
The guarantees covered by the insurer are as follows. TRAVEL ASSISTANCE GUARANTEES
The insurer agrees to pay the Insured all costs stipulated below, the terms and restrictions being clear in each case, whenever they occur over the course of a journey that does not exceed 90 consecutive days.
In general, the insurer will provide cover whenever the harmful events occur as long as the Insured is more than 15km from their permanent address. Insurance cover will be temporarily limited for the duration of the trip.
1. Services provided are:
1.1. Medical care for illness or accident of the Insured abroad
This warranty covers up to a maximum of 4,000.00 Euros abroad and claims in general:
Medical Fees: The insurance company will reimburse the fees paid to physicians providing insured primary medical care in case of illness or serious accident abroad , including surgical care as long as the insurer gives its prior consent. Pharmaceutical costs: In addition, the insurer will satisfy the cost of medications prescribed by the aforementioned physicians.
Hospitalization: To be determined by the medical services of the insurance company, in collaboration with the physicians attending the Insured, the need for the Insured to be hospitalized, the cost of transportation to the medical centre in which the Insured is admitted, stay and medication provided insaid medicalcentre, will be assumed by the insurer, as well as the costs of any surgical intervention where deemed necessary.
In addition, the insurer will pay up to the limit on this guarantee any bond that the centre may request on admission.
The medical/surgical, pharmaceutical and/or hospitalization expenses will not be reimbursed when the amount is less than 9.02 Euros, applicable separately to medical fees, pharmaceutical expenses and hospitalization costs occurring in each claim.
1.2. Emergency dental expenses abroad
The insurer will pay up to the amount of 60 Euros, the costs of emergency treatment as a result of the onset of acute dental problems abroad, such as infection, pain or trauma, which require emergency treatment.
1.3. Repatriation or medical transfers.
The insurer shall cover the transfer, with health and medical care if needed, of the Insured who has suffered an accident or serious illness in the course of a trip and, when so determined by the doctor of the insurance company, in accordance with the physician attending the Insured at the site of the accident, to the nearest medical facility.
When hospitalization occurs, as and when necessary, the insurer will carry out the subsequent transfer to the domicile or residence of the Insured. Considerations of a
medical nature: Urgency, state of the sick or injured and fitness to travel, as well as circumstances such as weather conditions, distance, etc. , constitute the criteria for determining whether transportation should take place, where and in what mode of transport and conditions. These are:
-‐ Air ambulance -‐ Regular airline -‐ Sleeper -‐ ambulance
-‐ Mobile intensive care unit , etc. .
However, the air ambulance can only be used in Europe and countries bordering the Mediterranean.
1.4. Travel expenses of accompanying parties
If the Insured should be hospitalized or die abroad, as a result of a risk covered by the policy, the insurer shall provide the next of kin named onthe policy either a return ticket by train (first class), return airline tickets (economy class) or public transport departing from anywhere in Spain in order to reach the hospital of the Insured.
1.5. Accommodation expenses for accompanying individuals.
In the case of the previous cover, the insurer will pay, up to the amount of 42 Euros a day and a maximum of 10 days or 420 Euros, for the accommodation costs and board of the companion. This warranty shall apply even if the companionis travelling with the Insured.
1.6. Repatriation of mortal remains from overseas
If, in the course of a trip abroad, covered by the policy, the death of the Insured occurs, the insurance company will take care of all necessary paperwork and
expenses to transport the remains of the deceased to the place of burial in Spain. At no time will this cover apply to the funeral/ burial costs and administration.
1.7. Urgent messaging service
Notwithstanding, the insurer shall relay urgent messages arising from the application of the cover by the Insured which can not be sent by conventional means via its emergency control service.
1.8. Location and delivery of checked baggage transported by air, ship, rail or coach In cases of total or partial loss of checked baggage and personal effects due to
transport, damage, fire or theft, provided that travel is by plane, boat, train or bus, the insurer will help deal with the complaint, check the facts and assist in the efforts to search, locate and return said lost items.
1.9. Location and delivery of baggage transported by air, ship, rail or coach In case of delay of more than six hours of checked flight luggage, the insurer will compensate the Insured with a maximum of 120 Euros.
1.10. Early return of the Insured due to bereavement of a relative.
If the Insured has to interrupt the trip due to the death of a relative, the insurer will either provide a rail ticket (first class), airline tickets (economy class) or any other mode of public transport to the place of burial of the deceased in Spain.
1.11. Early return of the Insured due to hospitalization of a relative.
If the Insured needs to interrupt the trip due to the hospitalization of a family member, the insurer will either provide a rail ticket (first class) airline ticket (economy class) or any other mode of public transport to the hospital where the relative has been admitted.
1.12. Early return of the Insured due to serious injury at permanent residence or at a place of work.
If the Insured has to interrupt the trip because of a serious accident in the habitual residence or the workplace, the insurer will provide a rail ticket (first class) , airline tickets (economy class ) or other means of public transport , to their permanent residence .
1.13. Sending medicines abroad
Also, should the Insured be abroad, the insurer will send all the necessary
medication for the treatment of serious injury or illness incurred during the trip, that which can not be obtained in the place where the Insured person is. Drug costs are borne by the Insured.
1.14. Sending cash abroad
In the event of duly justifiable exceptional circumstances, the Insured should require an advance of funds for emergency expenses, the insurer will get a prior
endorsement or formal commitment to a refund of the amounts to be borrowed. Borrowed funds must be returned to the insurer within a maximum period of 60 days. The maximum limit is up to 1,500 Euros or the equivalent in the local currency. 1.15. (Non-‐binding) personal liability during travel
This warranty covers up to 60,000 Euros of insured capital, per policy, per claim and per year and has an excess fee of 90 Euros. Compensation required from the Insured, being directly or indirectly legally responsible in line with the legislation of the country where the claim is made, can be material, physical or property damage and caused to third parties arising from events that occurred during a trip.
Within the limits of the sum insured, which is set, the benefits included are listed below:
-‐ The payment of compensation resulting from the liability of the Insured . -‐ The legal defense of the Insured in proceedings before the civil courts, using company designated lawyers and solicitors. Unless there is agreement to the contrary, in any judicial proceeding resulting in a loss covered by the policy, the company will assume the legal counsel against the claim of the affected party or their heirs, appointing lawyers and attorneys to defend and represent the Insured
during the legal proceedings against him/her relating to any civil liability claim covered by this policy, even if such claims are unfounded.
The Insured must comply completely with the defense, promising to grant powers and lend assistance wherever necessary. Whatever the verdict or outcome of the legal proceedings, the Company reserves the right to take legal action to proceed against such a verdict or outcome, or to accept it.
When a conflict between the Insured and the company arises as a result of having to sustain the former in the claim contrary to the defense of the policy holder, the company shall notify the Insured , without prejudice, to perform the necessary due diligence which , by its urgent nature, maybe necessary for the defense. In this case the Insured may choose between keeping the legal counsel provided by the
company or trust their defense to someone else. Should this be the case the
company will be obliged to pay the legal costs of such representation, up to the limit of the sum insured as the overall limit set for all services listed in this warranty. -‐ The constitution of judicial bonds required by the Insured to guarantee their civil liability. If the courts demand bail to jointly cover both civil and criminal liability, the company will deposit as security half of the required bail amount, to the limit of the sum insured set for all services related to this warranty.
-‐ Payment of legal costs and other expenses inherent to the claim.
For the purposes of this warranty, any natural or legal person will be considered a third party with the exception of:
-‐ The policyholder and the Insured.
-‐ The spouse of the Insured or, if applicable, the civil partner/common law partner -‐ The ancestors and descendants living with the Insured.
-‐ The partners, directors, employees and individuals dependent on the Insured during the period of dependency.
In addition to the General Exclusions outlined in the General Terms and Conditions governing the policy, the following criteria and consequences thereof shall not be eligible for cover:
A. Cover for individuals:
a) Pre-‐existing medical conditions of the Insured , except for the guarantee of " transfer or repatriation of the deceased " .
b ) Diseases or pathological states caused by the voluntary consumption of alcohol, drugs , toxic substances, narcotics or drugs purchased without a prescription. c ) The refusal or deferral of the transfer agreed by the Company’s medical service , for reasons attributable to the Insured or his/her companions.
d) Rehabilitation treatments. e) Periodic or medical check-‐ups.
f) All things related to prosthetics, orthotics or orthopedic and osteosynthetic materials.
g) Events occurring during a trip taken for the following reasons: a) with the intention of receiving medical treatment,
b ) because the Insured party has been diagnosed with a terminal illness. h ) Accidents in the workplace while carrying out the following activities: -‐ Work on construction sites, scaffolds or at height , wells or loading docks.
-‐ Use of press, cutting, lathe, construction sawing or agricultural machinery. -‐ Use of cutting instruments such as knives, machetes or shears.
-‐ Handling of goods or heavy or dangerous objects.
-‐ Handling of toxic, corrosive, flammable or explosive material. -‐ Working in the armed forces or security services.
B. Baggage cover:
a) Goods, professional materials, tickets for travel, collections, certificates of any type , identity documents and all documents and paper certificates in general, credit cards, money, jewelry, any content stored electronically, documents recorded on magnetic tape or film. To these purposes personal computers are not considered professional equipment.
b ) Losses resulting from an object that has not been handed over to a courier/carrier that has either been lost or forgotten by the Insured . c ) Damage due to normal wear and tear , inherent defect , or weathering . d ) Theft during while camping , caravanning , or while staying in any non-‐ fixed housing .
e) Damage to luggage which is not adequately packaged or identified, as well as fragile or perishable goods.
f ) Theft, except for the provisions of the compensation warranty for the theft of unchecked baggage or personal effects. .
C. Personal liability cover:
a) Compensation for damage caused to property of employees and staff under 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 containing it. c) Economic losses that originated from the Insured’s activity as a director, executive director of private companies, associations or clubs, or as a trustee or business administrator.
d ) The civil liability arising from running a trade or business, carrying out a
professional paid service or a position or activity in associations of any kind ,even if it is honorary in nature.
e) Claims arising from accidents suffered by the staff under 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 ,discharges ,blasts ,tanks, leakage, dumping ,gas leaks, spills or leaks of pollutants of any kind.
-‐ Radiation, noise, vibration, odours, heat, temperature changes, electromagnetic fields or other types of wave.
-‐ Toxic or polluting fumes caused by fire or explosion. D. Exclusions to all covers:
1. The following risks and their consequences are generally excluded, for all types of cover in the contract:
involvement in criminal acts, or their ,intentional/unintentional actions of gross negligence.
b. Extraordinary events, defined as:
-‐ The following natural phenomena: earthquakes, tsunamis, extraordinary floods, volcanic eruptions, cyclones and the fall of space debris and meteorites.
-‐ Those caused by the violence of terrorism, rebellion, sedition, riot or unrest. -‐ Acts or actions of the Armed Forces or the Security Forces in peacetime. The consequences of the actions of the Insured being of unsound mind or under psychiatric treatment.
c. The events in those countries listed as unsafe in travel advice issued by the Spanish Ministry of Foreign Affairs, or which are subject to embargo by the Security Council of the UN or other international bodies to which Spain is associated, and the events in any international conflicts or interventions involving the use of force or coercion.
d. Those occurring during the Insured’s participation in betting, challenges or fights, except in self-‐ defense or necessity.
. 2 Unless expressly included in the Specific or Special Conditions and the Insured pays the appropriate additional premium, all risks and consequences are excluded arising from:
a. Skiing and / or related sports.
b. The practice of motoring and motorcycling in all its forms, big game hunting, scuba diving or diving of any kind, sailing in international waters on ships not intended for public passenger transport, horse riding, climbing, potholing, boxing, wrestling in all its forms, martial arts, parachuting, ballooning, hang-‐gliding, gliding, and in general, any sport or recreational activity of a notoriously dangerousnature.
c. Those occurring during the Insured’s participation in competitions or training and preparatory tests.
d. The use of, either as a passenger or a crew member, aircraft unauthorized for public passenger transport, including helicopters.
. 3 In addition to the above exclusions, the following situations are not subject to cover:
a. The services that the Insured acquires independently, without prior notice and without the consent of the Company , except in cases of urgent need . In such cases, the Insured must justify the urgency and provide supporting documents and original invoices for those services.
b. Expenses incurred after the Insured has returned home, incurred outside the scope of the insurance cover, and in any case, claims after the conclusion of the travel dates under the contract or after 90 days from the start thereof, subject to the provisions of the Additional Terms or the Specific or Special Conditions are not included.
4. The Company is exempt from liability when force majeure impedes any of the facilities and services provided in the policy.
STATEMENT OF CLAIM
To make a claim for any of the services covered in this policy please call SegurCaixa assistance on: 91.359.04.26.
TREATMENT AND TRANSFER OF PERSONAL DATA
By signing the card contract the Insured party gives his or her consent for their personal data contained in the policy or additional documents, to be treated, either manually or by automated processes, in the files of the policyholder and / or the insurer in order to subscribe, develop, manage and enforce the insurance contract, providing services where appropriate. The provision of such data is necessary to cover all eventualities. The rights of access, rectification, opposition and cancellation are regulated by Organic Law 15/1999 which may be exercised by the policy holder or, if applicable, the insurer indicated in this certificate.
PREVALENCE OF TERMS OF THE POLICY
This certificate is a summary of the conditions of the policy, the provisions of which take precedence should there be a discrepancy. This document is intended to provide information about existing insurance covers. These covers are subject in all cases to the requirements, terms and conditions of the policies taken out by the policyholder.
CaixaBank Electronic Money , EDE , SL , Gran Via Carlos III , 84-‐98 , East Tower, 1st Floor 08028 -‐ Barcelona NIF B65866105
Entered in the Mercantile Registry of Barcelona, volume 43345 , folio 58, sheet B 426061 , 1st entry