Benefits Terms and Conditions


BENEFIT TABLE
All benefit amounts are per beneficiary per trip unless otherwise noted
Section A – Travel Assistance
Medical Assistance Included
Lost or Stolen Document Assistance Included
Message Relay Included
Lost Baggage Assistance Included
Section B – Emergency Medical and Other Expenses Abroad
Medical Expenses up to € 50,000
Repatriation Expenses unlimited
Emergency dental treatment up to €250
Close Relative to travel out if hospitalised up to €75 per day, max. 10 days + Economy Flight
Extended Stay of Beneficiary/Companion up to €75 per day, max. 10 days + Economy Flight
Infants born following Complications of Pregnancy, maximum per event €25,000 (or  €50,000 for trips to USA or Caribbean)
Funeral Expenses and Repatriation of Mortal Remains up to € 4,500
Excess per claim per person € 100
Section C – Travel Accident 
Travel Accident, maximum up to  € 50,000
- Permanent Total Disablement, Loss of Limbs, Loss of Sight, (Age < 71) € 50,000
- Loss of Life, (Age 18 to 70) € 50,000
- Loss of Life (Under 18 or 71yrs+) € 2,000
- All Benefits (71yrs+) € 2,000
Section D – Purchase Protection 
- Limit per incident and per 365 day period up to € 1,000
- Single Article Minimum Limit € 75


1.INTRODUCTION
This document is not a contract of insurance but summarises the benefits provided to you by virtue of you holding a Valletta FC   Card through Insignia Cards Limited. The provision of those benefits is enabled by an insurance policy held by and issued to Insignia Cards Limited by Inter Partner Assistance (policy number 5539503).
Insignia Cards Limited is the only Policyholder under the insurance Policy and only it has direct rights under the policy against the insurer. This agreement does not give you direct rights under the Policy of insurance. Strict compliance with the terms and conditions of this agreement is required if you are to receive its benefit.
ELIGIBILITY
The benefits summarised in this document are dependent upon you being a valid Insignia Cards Limited Valletta FC Card Cardholder at the time of any incident giving rise to a claim. Insignia Cards Limited will give you notice if there are any material changes to these terms and conditions or if the Policy supporting the benefits available under this agreement is cancelled or expires without renewal on equivalent terms.
This is your benefit guide and agreement with us. It contains details of benefits, conditions and exclusions relating to Insignia Cards Limited Valletta FC Card Cardholders and is the basis on which all claims you make will be settled.
INSURER
Benefits under this Policy are underwritten by Inter Partner Assistance (IPA), whose registered branch office in Ireland is 10/11 Mary Street, Dublin 1, Ireland (company number 906006) and is regulated by the Central Bank of Ireland. IPA is a branch of Inter Partner Assistance SA, a Belgian firm of Avenue Louise, 166 bte1, 1050, Brussels, which is authorised by the National Bank of Belgium. Some of the services under this Policy will be provided by IPA’s agent, AXA Travel Insurance (company number 426087), of the same Ireland address. All companies are members of the AXA Assistance Group.

2.INFORMATION
1. Claims arising directly or indirectly from any pre-existing medical conditions are NOT covered.
2. The benefits will NOT cover you when you are travelling against the advice of a medical practitioner (or would be travelling against the advice of a medical practitioner had you sought his/her advice).
3. The benefits will NOT cover you when you are travelling with the intention of obtaining medical treatment or consultation abroad.
4. The benefits will NOT cover you if you have any undiagnosed symptoms that require attention or investigation in the future (that is symptoms for which you are awaiting investigations or consultations, or awaiting results of investigations, where the underlying cause has not been established).
5. If injury, illness loss, theft or damage happens you should immediately call AXA Assistance on 8007 3703 or from overseas  +356 2570 9333 to report a medical emergency, request repatriation, report any loss, theft or damage.
6. These benefits will be governed by the laws of Malta unless agreed by us in writing.
7. All benefit amounts listed in the Benefit Table are per beneficiary per trip unless otherwise noted.
8. You are covered worldwide for trips of up to 30 consecutive days. The cover is limited to a total of 183 days in any 12 month period. Trips must begin and end in the country of residence. Trips using one way or open tickets are not covered unless the outbound and inbound travel tickets have been purchased before the trip begins. Any trip solely within the country of residence is only covered where you are travelling further than 100 kilometres from home and where you have pre-booked at least two nights’ accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee.
9. In order to be eligible to receive benefits under this Benefit Schedule you must charge your trip in full (100%) to the covered card.
10. In order to be eligible to receive benefits under Section D – Purchase Protection 100% of the total cost of the eligible items must be charged to the covered card.
11. The maximum age limit for benefits in Section B – Emergency Medical and Other Expenses Abroad is 70 years inclusive.
12. An excess applies to benefits in Section B – Emergency Medical and Other Expenses Abroad.

3. DEFINITIONS
Any word or expression to which a specific meaning has been attached will bear the same meaning throughout this Benefit Schedule (unless otherwise noted) and is highlighted in bold print.
AXA Assistance
– the service provider, arranged by AXA Travel Insurance 10/11 Mary Street, Dublin 1, Ireland (company number 426087).
Beneficiary(ies)/You/your/
– the Cardholder and his/her spouse or legal partner (any couple, including same-sex, in a common law relationship living permanently at the same address), their unmarried children, aged under 19 who are financially dependent (according to the regulations of the country of residence) on the Cardholder, all living in the country of residence and travelling on a trip.
Beneficiaries must be travelling on the trip with and to the same destination as the Cardholder.
In order to be eligible to receive benefits under this Benefit Schedule you must charge your trip in full (100%) to the covered card.
In order to be eligible to receive benefits under Section D – Purchase Protection 100% of the total cost of the eligible items must be charged to the covered card.
Benefit Table
– the table listing the benefit amounts on page 1.
Bodily injury
– an identifiable physical injury caused by a sudden, violent, external, unexpected specific event. Injury as a result of your unavoidable exposure to the elements shall be deemed to be a bodily injury.
Cardholder
– the holder of a covered card.
Close relative
– mother, father, sister, brother, spouse, partner or fiancé/fiancée or Common-Law Partner (any couple, including same-sex, in a common law relationship living permanently at the same address) daughter, son, including adopted daughter or son), grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step parent, step child, step sister, step brother, foster child, legal guardian, legal ward, of the Cardholder.
Complications of Pregnancy
- the following unforeseen complications of pregnancy as certified by a medical practitioner: toxaemia; gestational hypertension; pre-eclampsia; ectopic pregnancy; hydatidiform mole (molar pregnancy); hyperemesis gravidarum; ante partum haemorrhage; placental abruption; placenta praevia; post partum haemorrhage; retained placenta membrane; miscarriage; stillbirths; medically necessary emergency Caesarean sections/ medically necessary termination; and any premature births or threatened early labour more than 8 weeks (or 16 weeks in the case of a multiple pregnancy) prior to the expected delivery date.
Country of residence
– the country in which you legally reside.
Covered Card
– a Valletta FC Card, issued by Insignia Cards Limited, the card being valid and the account balance having been paid in accordance with the Cardholder agreement at the time of any incident giving rise to a claim.
Home
– your normal place of residence in your country of residence.
Loss of limb
– loss by physical severance, or the total and irrecoverable permanent loss of use or function of, an arm at or above the wrist joint, or a leg at or above the ankle joint.
Loss of sight
– A complete and irreversible loss of vision in one or both eyes. The degree of residual vision after correction shall be 3/60 or less on the Snellen scale. This means that you can see objects at a distance of 3 feet (0.9 m) or less, whereas they should be visible from a distance of 60 feet (18.3 m).
Medical condition(s)
– any medical or psychological disease, sickness, condition, illness or injury that has affected you or any close relative.
Medical emergency
– a bodily injury or sudden and unforeseen illness suffered by you while you are on a trip outside the country of residence and a registered medical practitioner tells you that you need immediate medical treatment or medical attention.
Medical practitioner
– a legally licensed member of the medical profession, recognised by the law of the country where treatment is provided and who, in rendering such treatment is practising within the scope of his/her licence and training, and who is not related to you or any travelling companion.
Pair or set
– items forming part of a set or which are normally used together.
Period of cover
– cover begins for any trip commencing on or after 01/12/2013. The period of any trip may not exceed 30 consecutive days.
Eligible items purchased after 01/12/2013 are covered under Section D – Purchase Protection.
Cover will end when the card account is terminated or when these benefits are cancelled or expire.
Extension to the period of cover
The period of cover is automatically extended for the period of the delay in the event that your return to your country of residence is unavoidably delayed due to an event covered by this Benefit Schedule.
Permanent total disablement
– disablement which, having lasted for a period of at least 12 consecutive months from the date of occurrence will, in the opinion of an independent qualified specialist, prevents you from engaging in, or giving any attention to, any business or occupation for the remainder of your life.
Policyholder
– Insignia Cards Limited, Level 11 Portomaso Tower, Portomaso, St. Julians, Malta STJ 4011.
Pre-existing medical condition(s)
• any past or current medical condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received during the 2 years prior to the commencement of cover under this Benefit Schedule and/or prior to any trip: and
• any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to commencement of cover under this Benefit Schedule and/or prior to any trip.
Public transport
– any public transport by road, rail, sea or air with a licensed carrier operating a regular and/or charter passenger service on which you are booked to travel.
Sports and activities
– the activities listed under 7. Sports and Activities for which your participation in during your trip is not the sole or main reason for your trip (excluding golf and winter sports holidays).
Terrorism
– an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or governments, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
Trip
- any holiday, or journey for business or pleasure made by you worldwide up to 30 consecutive days, during the period of cover. The cover is limited to a total of 183 days in any 12 month period. Trips must begin and end in the country of residence. Trips using one way or open tickets are not covered unless the outbound and inbound travel tickets have been purchased before the trip begins.
Any trip solely within the country of residence is only covered where you are travelling further than 100 kilometres from home and where you have pre – booked at least two nights’ accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee.  Cover for benefits in Section B – Emergency Medical and Other Expenses Abroad is excluded in the country of residence.
In order to be eligible to receive benefits under this Benefit Schedule you must charge your trip in full (100%) to the covered card.
Unattended
– when you are not in full view of and not in a position to prevent unauthorised interference with your property or vehicle.
We/us/our
– Inter Partner Assistance, 10/11 Mary Street, Dublin 1, Ireland and/or AXA Travel Insurance of the same Irish address. All companies are members of the AXA Assistance Group.

4. EMERGENCY ASSISTANCE
Contact AXA Assistance on Telephone:  8007 3703 or from overseas  +356 2570 9333.
In the event of a serious illness or accident which may lead to in-patient hospital treatment, or before any arrangements are made for repatriation or in the event of an emergency you must contact AXA Assistance (any minor illness or injury costs must be paid for by you and reclaimed). The service is available to you and operates 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses. If this is not possible because the condition requires immediate emergency treatment you must contact AXA Assistance as soon as possible. Private medical treatment is not covered unless authorised specifically by AXA Assistance.
Medical Assistance Abroad
AXA Assistance has the medical expertise, contacts and facilities to help should you be injured in an accident or fall ill. AXA Assistance will also arrange transport home when this is considered to be medically necessary, or when you have notice of serious illness or death of a close relative at home.
Payment for Medical Treatment Abroad
If you are admitted to a hospital/clinic while outside the country of residence, AXA Assistance will arrange for medical expenses covered by the Benefit Schedule to be paid direct to the hospital/clinic. To take advantage of this benefit someone must contact AXA Assistance for you as soon as possible.
For simple out-patient treatment, you should pay the hospital/clinic yourself and claim back medical expenses from us on your return to the country of residence. Beware of requests for you to sign for excessive treatment or charges. If in doubt regarding any such requests, please call AXA Assistance for guidance.

5 .GENERAL CONDITIONS
You must comply with the following conditions in addition to the items listed under SPECIAL CONDITIONS in Section A-D below to have the full protection of the Benefit Schedule. If you do not comply we may at our option refuse to deal with your claim, or reduce the amount of any claim payment.
1. The maximum age limit for benefits in Section B – Emergency Medical and Other Expenses Abroad is 70 years inclusive.
2. You must take all reasonable care and precautions to protect yourself against accident, illness, disease or injury and to safeguard your property against loss, theft or damage. You must act as if you are not covered and take steps to minimise your loss as much as possible and take reasonable steps to prevent a further incident and to recover missing property.
3. You must tell us as soon as possible in the event of an emergency or if you are hospitalised (any minor illness or injury costs must be paid for by you and reclaimed).
4. You must report all incidents to the local police in the country where it occurs and obtain a crime or lost property report, which includes an incident number.
5. You must not abandon any property for us to deal with or dispose of any damaged items as we may need to see them.
6. You or your legal representatives must supply at your own expense all information, evidence, medical certificates, original invoices, receipts, reports, assistance that may be needed including details of other insurance policies that may cover the loss. We may refuse to reimburse you for any expenses for which you cannot provide receipts or bills. Please keep copies of all documents sent to us.
7. You must not admit, deny, settle, reject, negotiate or make any arrangement for any claim without our permission.
8. You must immediately send us any writ or summons, letter of claim or other document relating to your claim.
9. In the event of a claim and if we require it, you must agree to be examined by a medical practitioner of our choice as often as may be reasonably necessary prior to paying a claim, at our expense. In the event of your death we may also request and will pay for a post-mortem examination.
10. If we provide transportation or settle your claim and as a result you have unused travel ticket(s) you must surrender those tickets to us. If you do not we will deduct the amount of those tickets from any amount paid to you.
11. We have the right, if we choose, in your name but at our expense to:


1. take over the settlement of any claim;
2. take legal action in your name to get compensation from anyone else for our own benefit or to get back from anyone else any payments that have already been made;
3. take any action to get back any lost property or property believed to be lost.

12. If you or anyone acting for you in any respect, attempts to gain funds, information or other assets by deception or any other illegal means, including deliberate misrepresentation or omission of facts in order to misrepresent the true situation, this Benefit Schedule shall become void. We may inform the police and you must repay to us any amount already received under the policy.
13. If we pay any expense for which you are not covered, you must pay this back within one month of our asking.
14. We will make every effort to apply the full range of services in all circumstances as shown in your Benefit Schedule. Remote geographical locations or unforeseeable adverse local conditions may prevent the normal standard of service being provided.
15. We may at any time pay to you our full liability under the Benefit Schedule after which no further payments will be made in any respect.
16. If at the time of any incident which results in a claim under this Benefit Schedule, there is another insurance covering the same loss, damage, expense or liability we will not pay more than our proportional share (not applicable to Section C – Travel Accident).
17. If you possess multiple Insignia Cards Limited cards you may only claim and we will only pay up to the highest limit of the cards, the benefit values will not be cumulative.

6. GENERAL EXCLUSIONS
These exclusions apply throughout your Benefit Schedule in addition to the items listed under WHAT IS NOT COVERED in Section A-D below. We will not pay for claims arising directly or indirectly from:
1. Any pre-existing medical conditions.
2. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under Section B – Emergency Medical and Other Expenses Abroad, and Section C – Travel Accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any trip.
3. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly.
4. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
5. Your participation in or practice of any sport or activity unless it is shown as covered under 7. Sports and Activities.
6. Your engagement in or practice of: manual work with the exception of: bar and restaurant work, wait staff, chalet, maid, au pair and child care, and occasional light manual work at ground level including retail work and fruit picking (excluding the use of cutting tools, power tools and machinery); flying except as a fare paying passenger in a fully-licensed passenger-carrying aircraft; the use of motorised two or three wheeled vehicles unless a full driving licence issued in your country of residence is held permitting the use of such vehicles and you and your passengers are all wearing helmets; professional entertaining; professional sports; racing (other than on foot); motor rallies and motor competitions; or any tests for speed or endurance.
7. Any claim resulting from you attempting or committing suicide; deliberately injuring yourself; using any drug not prescribed by a medical practitioner, being addicted to any drugs, or abusing solvents, drugs, or alcohol, or being under the influence of drugs, solvents, or alcohol.
8. Self exposure to needless peril (except in an attempt to save human life).
9. Any claim resulting from your involvement in a fight except in self defence.
10. Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.
11. Your own unlawful action or any criminal proceedings against you.
12. Any claim where you are entitled to indemnity under any other insurance, including any amounts recoverable from any other source, except in respect of any excess beyond the amount which would have been covered under such other insurance, or any amount recoverable from any other source, had these benefits herein not been effected.
13. Any other loss, damage or additional expense following on from the event for which you are claiming. Examples of such loss, damage or additional expenses would be the cost incurred in preparing a claim, loss of earnings, loss or costs incurred arising from the interruption of your business, inconvenience, distress, or loss of enjoyment.
14. Operational duties as a member of the Armed Forces.
15. Your travel to a country or specific area or event to which a government agency in the country of residence or the World Health Organisation has advised the public not to travel, or which are officially under embargo by the United Nations.
16. Any claim caused by you climbing, jumping or moving from one balcony to another regardless of the height of the balcony.
17. Any costs you would have been required or been expected to pay, if the event resulting in the claim had not happened.
18. Any circumstances you are aware of that could reasonably be expected to give rise to a claim under this Benefit Schedule.
19. Costs of telephone calls or faxes, meals, taxi fares (with the exception of the taxi costs incurred for the initial journey to a hospital abroad due to your illness or injury), newspapers, laundry costs, or interpreters’ fees.
20. A condition for which you are not taking the recommended treatment or prescribed medication as directed by a medical practitioner.
21. Cover for benefits in Section B – Emergency Medical and Other Expenses Abroad is excluded in the country of residence.

7. SPORTS AND ACTIVITIES
You are covered under Section B – Emergency Medical and Other Expenses Abroad for the following activities provided your participation in them is not the sole or main reason for your trip (excluding golf and winter sports holidays which are covered as the main reason for a trip). Cover under Section C – Travel Accident for those sports or activities marked with * is excluded.
*Abseiling
*Archery
Badminton
Baseball
Basketball
Bowling
Camel Riding
*Canoeing (up to grade/class 3)
*Clay pigeon shooting
Cricket
*Cross country skiing
*Elephant Riding
*Fell running
*Fencing
Fishing
Football
*Glacier Skiing
*Go- Karting
Golf
Hockey
*Horse Riding
*Horse Trekking
*Hot air ballooning
Ice Skating (on recognised ski rinks)
*Jet Biking
*Jet Skiing
Kitesurfing
Monoskiing
*Mountain bicycling on tarmac
Netball
Orienteering
*Paintball
Pony Trekking
Racquetball
Road Cycling
Roller skating
Rounders
Running
Sailing (within 20 Nautical Miles of the coastline)
*Sailing (outside 20 Nautical Miles of the coastline)
Scuba diving (Unqualified and above 18 metres)
*Scuba diving (Qualified and above 40 metres)
*Ski touring
*Skidoo
Skiing (on piste or off piste with a guide)
*Snowblading
Snowboarding (on piste or off piste with a guide)
Snowshoeing
Squash
Surfing
Table Tennis
Tennis
*Tobogganing
Trampolining
Trekking (up to 4000 metres without use of climbing equipment)
Volleyball
*War games
Water polo
Water Skiing
Wind Surfing
Yachting (within 20 Nautical Miles of the coastline)
*Yachting (outside 20 Nautical Miles of the coastline)
Zorbing

8. SECTION A – TRAVEL ASSISTANCE
WHAT IS COVERED
During your trip we will:
1. refer you to physicians, hospitals, clinics, ambulances, private duty nurses, dentists, dental clinics, services for the disabled, ophthalmologists, pharmacies, opticians and suppliers of contact lenses and medical aid equipment.
2. provide you with necessary information and assist you in obtaining replacement travel documents such as passport, entry visa or airline tickets, from the appropriate local authority if the documents required for the return journey are lost or stolen. We will not pay the charges payable for issuing new documents.
3. relay messages to your close relatives, business colleagues or friends in your country of residence.
4. assist in locating your baggage lost by a common carrier and organise the dispatch of such baggage, if recovered, to your location outside of the country of residence. Costs of dispatch, if any, shall be borne by you.

9. SECTION B – EMERGENCY MEDICAL AND OTHER EXPENSES ABROAD
WHAT IS COVERED
We will pay the following costs, up to the amount shown in the Benefit Table, for each beneficiary who suffers sudden and unforeseen bodily injury or illness, or who dies, during a trip outside the country of residence.
1. All reasonable and necessary expenses which arise as a result of a medical emergency or a complication of pregnancy involving you. This includes medical practitioners’ fees, hospital expenses, medical treatment and all the costs of transporting you to the nearest suitable hospital, when deemed necessary by a recognised medical practitioner.
2. Emergency dental treatment for the immediate relief of pain and/or emergency repairs to dentures or artificial teeth solely to relieve distress in eating.
3. All reasonable and necessary emergency medical expenses for all infants born following complications of pregnancy during a trip. Claims involving multiple births are considered to be one event.
4. With the prior authorisation of AXA Assistance, additional travelling costs to repatriate you to your home when recommended by our Chief Medical Officer, including the cost of a medical escort if necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless AXA Assistance agrees otherwise.
5. Up to the amount shown in the Benefit Table per night for 10 nights for reasonable accommodation expenses incurred, up to the standard of your original booking, if it is medically necessary for you to stay beyond your scheduled return date. If you are unable to use the original return ticket, AXA Assistance will provide an economy class ticket to return you to your home.
6. Economy class transport and up to the amount shown in the Benefit Table per night for 10 nights’ accommodation expenses for a close relative from the country of residence to visit you or escort you to your home if you are travelling alone and if you are hospitalised as an in-patient for more than 10 days, with the prior authorisation of AXA Assistance.
7. In the event of your death the reasonable additional cost of funeral expenses abroad plus the reasonable cost of conveying your ashes to your home, or the additional costs of returning your remains to your home up to the amount shown in the Benefit Table.

SPECIAL CONDITIONS
1. You must give notice as soon as possible to AXA Assistance of any bodily injury or medical condition which necessitates your admittance to hospital as an in-patient or before any arrangements are made for your repatriation.
2. You must contact AXA Assistance as soon as possible in the event of you incurring medical expenses in excess of €500 relating to any one incident. You must always contact AXA Assistance before curtailing your trip.
3. In the event of your bodily injury or medical condition we reserve the right to relocate you from one hospital to another and arrange for your repatriation to the country of residence at any time during the trip. We will do this if in the opinion of the medical practitioner in attendance or AXA Assistance you can be moved safely and / or travel safely to the country of residence to continue treatment.

WHAT IS NOT COVERED
1. The Excess. You are responsible for the first € 100 per claim.
2. Any claim arising directly or indirectly from any pre-existing medical conditions.
3. Any treatment which is not a surgical or medical procedure with the sole purpose of curing or relieving acute unforeseen illness or injury.
4. Any expenses which are not usual, reasonable or customary to treat your bodily injury or illness.
5. Any form of treatment or surgery which in the opinion of our Chief Medical Officer can be delayed reasonably until your return to the country of residence.
6. Expenses incurred in obtaining or replacing medication, which at the time of departure is known to be required or to be continued outside the country of residence.
7. Additional costs arising from single or private room accommodation.
8. Treatment or services provided by a private clinic or hospital, health spa, convalescent or nursing home or any rehabilitation centre unless agreed by AXA Assistance.
9. Treatment costs for cosmetic reasons unless our Chief Medical Officer agrees such treatment is necessary as a result of an accident covered by this Benefit Schedule.
10. Any expenses incurred after you have returned to the country of residence unless previously agreed to by AXA Assistance.
11. Expenses incurred as a result of a tropical disease where you have not had the recommended inoculations or vaccinations and/or taken the recommended medication.
12. Any costs you incur outside the country of residence after the date our Chief Medical Officer tells you you should return home or we arrange for you to return home. (Our liability to pay further costs under this section after that date will be limited to what we would have paid if your repatriation had taken place.).
13. You must not unreasonably refuse the medical repatriation services we agree to provide and pay for under this Benefit Schedule. If you choose alternative medical repatriation services you must notify us in writing in advance and it will be at your own risk and own cost.
14. The cost of flight tickets exceeding economy class for an accompanying non-medical escort in the event of medical repatriation (any increase in cost due to requested upgraded flight tickets must be at the personal expense of the person(s) travelling).
15. Any claim arising from pregnancy related conditions not due to complications of pregnancy which first arise after departing on your trip.  Normal pregnancy or childbirth, or travelling when your medical practitioner has recorded your pregnancy as being at heightened risk of premature birth, would not constitute an unforeseen event.
16. Any treatment or diagnostic testing that was pre-planned or pre-known by you.
17. The cost of dental treatment involving the provision of dentures, artificial teeth or the use of precious metals.
18. Costs incurred in the United States that exceed the average reimbursement the medical service provider receives for all services rendered to its patients for like treatment, but in any event no more than one and a half times the rate that would be applicable if the costs were payable by US Medicare.
19. Costs of telephone calls, other than calls to AXA Assistance notifying them of the problem for which you are able to provide a receipt or other evidence to show the cost of the call and the number telephoned.
20. Air-sea rescue costs.

10 .SECTION C – TRAVEL ACCIDENT
WHAT IS COVERED
If you suffer an accidental bodily injury whilst on public transport during your trip which, within 12 months is the sole and direct cause of your death or loss of limb, loss of sight or permanent total disablement, we will pay to you or your legal personal representative one of the benefits as shown in the Benefit Table.
The benefit is not payable under more than one item shown in the Benefit Table.
SPECIAL CONDITIONS
1. The benefit is not payable under permanent total disablement, until one year after the date you sustain bodily injury.
2. Normal and habitual travel to and from the beneficiary’s home and place of employment or second residence shall not be considered as a covered trip.
WHAT IS NOT COVERED
1. Any claim arising directly or indirectly from any pre-existing medical conditions.
2. Any disability or death that is caused by a worsening of physical health (e.g. a stroke or a heart attack) and not as a direct result of a bodily injury.

11. SECTION D – PURCHASE PROTECTION
DEFINITIONS – Applicable to this section
Eligible item
– an item, purchased by the Cardholder solely for personal use (including gifts), which has been charged fully (100%) to the Cardholders covered card account and is not listed under WHAT IS NOT COVERED in this section.
Purchase price
– the lower of the amounts shown on either the covered card billing statement or the store receipt for the eligible item.
WHAT IS COVERED
In the event of theft and/or accidental damage to an eligible item within 90 days of purchase, we will, at our option, replace or repair the eligible item or credit the Cardholder account an amount not exceeding the purchase price of the eligible item, or the single item limit shown in the Benefit Table whichever is lower. We will not pay more than the amount shown in the Benefit Table for any one event, or more than the maximum amount shown in the Benefit Table in any one 365 day period.
SPECIAL CONDITIONS
1. Purchase Protection provides cover only for claims or portions of claims that are not covered by other applicable guarantees, warranties, insurance or indemnity policies, subject to the stated limits of liability
2. Claims for an eligible item belonging to a pair or set, will be paid up to the full purchase price of the pair or set, provided the items are not useable individually and cannot be replaced individually.
3. If you purchase the eligible item as a gift for someone else, we will if you wish, pay a valid claim to the recipient, subject to you making the claim.
4. You must exercise due diligence and do all things reasonably practicable to avoid any direct physical theft or damage to an eligible item.
5. You will need to transfer to us, on our request and at your expense, any damaged eligible item or part of a pair or set, and assign the legal rights to recover from the party responsible up to the amount we have paid.
6. You must provide us with the original sales receipt from the store, the original of card receipt, the original account statement showing the transaction and the police report where applicable.
WHAT IS NOT COVERED
1. Events not connected to theft or damage caused by accident.
2. Mysterious disappearance of eligible items.
3. Events caused by fraud, mistreatment, carelessness or not following the manufacturers manual.
4. Eligible items which were used before purchase, second-hand, altered, or bought fraudulently.
5. Damage to eligible items caused by product defects or error during production.
6. Theft not reported to the police within 48 hours of discovery and a written report obtained.
7. Eligible items left unattended in a place accessible to the public.
8. Theft of or damage to eligible items in a motor vehicle or as a result of the theft of the motor vehicle.
9. Theft from any property, land or premises unless entry or exit to the property or premises was gained by the use of force, resulting in visible physical damage to the property or premises.
10. Mobile telephones.
11. Jewellery, watches, precious metals, gemstones and any item made from precious metals and gemstones.
12. Motor vehicles, motorcycles, bicycles, boats, caravans, trailers, hovercraft, aircraft and their accessories.
13. Service, cash, travel checks, tickets, documents, currency, silver, gold, art, antiques, rare coins, stamps and collector’s items.
14. Animals, living plants, consumables, perishable goods or permanent installations.
15. Electronic items and equipment, including but not limited to, personal stereos, MP3/4 players, computers or computer-related equipment whilst at your place of employment, items used for business purposes.
16. Damage due to normal wear and tear, normal use or normal activity during sports and games (example golf or tennis balls).
17. Theft or damage when the eligible item is under the supervision, control or safe keeping of, a third party other than required according to safety regulations.
18. Eligible items not received by the Cardholder or other party designated by the Cardholder.
19. Mail order or courier delivered item(s) until the item(s) are received, checked for damage and accepted at the nominated delivery address.
20. Expenses due to repairs not performed by workshops approved by AXA Assistance.
21. Damage to clothing or material through cleaning or alteration.
22. Damage due to water, damp or earthquake.
23. Loss caused by declared or undeclared war, confiscation by order of any government or public authority, or arising from illegal acts.
24. Theft or accidental damage to any eligible item where there is any other insurance covering the same theft or accidental damage, or where the terms and conditions of such other insurance have been broken or for the reimbursement of any evident excess.

12. CLAIMS PROCEDURE
1. Please read the appropriate section in the benefits to see exactly what is, and is not covered, noting particularly any conditions, limitations and exclusions.
2. Making a claim
a) In the event of an emergency you should first call AXA Assistance on telephone  8007 3703 or from overseas  +356 2570 9333  (any minor illness or injury costs must be paid for by you and reclaimed
b) For all other claims telephone our Claims Helpline on  8007 3703 or from overseas  +356 2570 9333 (Monday – Friday 9:00 – 17:00) to obtain a claim form. You will need to give:
– your name,
– your covered card number,
– brief details of your claim.
We ask that you notify us within 28 days of you becoming aware of an incident or loss leading to a claim and you return your completed claim form and any additional information to us as soon as possible.
3. Additional Information.
You must supply all of your original invoices, receipts and reports etc. You should check the section under which you are claiming for any specific conditions and details of any supporting evidence that you must give us.
It is always advisable to keep copies of all the documents that you send to us.
4. Claims Handling Agents.
To help us agree a quick and fair settlement of a claim, it may sometimes be necessary for us to appoint a claims handling agent.

13. COMPLAINTS PROCEDURE
We make every effort to provide you with the highest standards of service. If on any occasion our service falls below the standard you would expect us to meet, the procedure below explains what you should do.
WHEN YOU CONTACT US:
Please give us your name and contact telephone number. Please quote your covered card number and/ or claim number. Please explain clearly and concisely the reason for your complaint.
STEP ONE – INITIATING YOUR COMPLAINT
You need to contact AXA Assistance on  8007 3703 or from overseas  +356 2570 9333.  We expect that the majority of complaints will be quickly and satisfactorily resolved at this stage, but if you are not satisfied, you can take the issue further:
STEP TWO – CONTACTING AXA TRAVEL INSURANCE HEAD OFFICE
If your complaint is one of the few that cannot be resolved by this stage contact the Head of Customer Care in your preferred language, who will arrange for an investigation on behalf of the Chief Executive: AXA Travel Insurance, Head of Customer Care, The Quadrangle, 106-118 Station Road, Redhill, RH1 1PR, United Kingdom. Or you may use e-mail:
customer.support@axa-travel-insurance.com

14. USE OF YOUR PERSONAL DATA
In using these benefits you also agree we may:
a) disclose and use information about you and your benefits – including information relating to your medical status and health – to companies within the AXA Assistance Group of companies worldwide, our partners, service providers and agents in order to administer and service your benefits, process and collect relevant payments and for fraud prevention;
b) undertake all of the above within and outside the European Union (EU). This includes processing your information in countries in which data protection laws are not as comprehensive as in the EU. However, we have taken appropriate steps to ensure the same (or equivalent) level of protection for your information in other countries as there is in the EU; and
c) monitor and/or record your telephone calls in relation to cover to ensure consistent servicing levels and account operation.
We use advanced technology and well defined employee practices to help ensure that your information is processed promptly, accurately and completely and in accordance with applicable data protection law.
If you want to know what information is held about you by the AXA Assistance Group, please write to:
AXA Travel Insurance, Data Protection Officer, The Quadrangle, 106-118 Station Road, Redhill, RH1 1PR, United Kingdom
There may be a charge for this service, as permitted by law. Any information which is found to be incorrect will be corrected promptly.

15. CANCELLATION OF THE COVER
These benefits are included with your covered card and cannot be cancelled separately. If you cancel the covered card the cover will end and all benefits will stop. Please see your Credit Card agreement for full details of how to cancel the covered card.