General Terms
and Conditions of Insurance All Inclusive Travel Insurance Pass & All Risk
Information for
customers in accordance with the VVG (the Swiss law governing insurance contracts)
The following information for customers provides a clear and concise
overview of the identity of the Insurer and the most important points contained
in the insurance contract (Art. 3 of the Swiss law governing insurance
contracts, the VVG).
Who is the Insurer?
The Insurer is Mondial Assistance International AG, called Mondial in
the following text. The insurance products are sold under the ELVIA brand. The
headquarters of the company is at Hertistrasse 2, 8304
What risks does the insurance cover, and what is the scope of the
insurance protection?
The insured risks and the scope of insurance cover are set out in the
policy and the General Terms and Conditions of Insurance.
Who are the people covered by the insurance?
In the case of insurance policies with durations of less than one year
(short-term insurance policies) the insured individuals are those specified in
the policy.
In the case of insurance policies with durations of one year (annual
insurance policies), the policy will specify whether the insurance protection
applies to the Policy Holder alone (single person) or for the Policy Holder and
the people living in the same household as the Policy Holder, together with any
under-age children who do not live in the same household (family insurance).
The insured individuals are listed in the policy and the General Terms
and Conditions of Insurance.
What are the important exclusions?
§
Events that have already
occurred at the time of concluding the contract or booking the trip, or events
that were discernible for the insured individual at the time of concluding the
contract or booking the trip.
§
Events connected with
epidemics or pandemics.
§
Events connected with
participation in risky actions, where the individual is knowingly exposed to
danger.
This list only contains the most common exceptions. Further exceptions
are set out in the General Terms and Conditions of Insurance and the VVG.
How much is the premium?
The level of the premium depends on the insured risks in each case, and
on the cover required. The level of the premium will be defined at the time of
application, and is set out in the policy.
What are the duties of the Policy Holder and the insured individuals?
§
To fulfil their contractual
and legal duties of notification, information and conduct in full (e.g. prompt
notification of a case of loss/damage to Mondial).
§
To do all that they can to
help minimise and clarify the loss/damage (e.g. authorising Mondial to issue
the relevant documents, information etc. to third parties to clarify the case
of loss/damage).
This list only contains the most common duties. Further duties are set
out in the General Terms and Conditions of Insurance and the VVG.
When does the insurance cover begin and end?
The beginning and end of the insurance cover are defined in the
application and specified in the policy.
§
In the case of insurance
policies with durations of one year (annual insurance policies), the policies
will be automatically extended by a further year when they expire. Either the
Policy Holder or Mondial can terminate annual insurance policies by giving
notice of 3 months to the end of their terms, in writing.
§
Insurance policies with
durations of less than one year (short-term insurance policies) end
automatically on the day defined in the application and set out in the policy.
The insurance cover can be ended prematurely by giving notice of
termination:
§
Following a case of
loss/damage for which Mondial has provided benefits, as long as the notice of
termination takes place at the time of the pay-out, at the latest.
§
If Mondial changes the
premiums. In this case, notice of termination must reach Mondial on the last
day of the insurance year.
§
In the event of insurance
fraud.
This list only contains the most common causes of termination. Further
causes of termination are set out in the General Terms and Conditions of
Insurance and the VVG.
How do Mondial and CAP handle information?
Mondial handles information that arises from the contractual documents
or the processing of the contract, and uses this in particular to establish the
premiums, clarify risk, handling benefits cases, statistical evaluations and
marketing purposes. The information is stored physically or electronically.
If necessary, the information is passed to involved third parties, to
the extent needed. These third parties might be other participating insurers,
the authorities, lawyers or external experts. Information may also be passed on
in order to reveal or prevent the misuse of insurance.
Contents
Overview of insurance benefits
General Terms and Conditions of Insurance
I Common provisions relating
to all components of insurance
II Special provisions
relating to the individual components of insurance
A1 Cancellation
A4 ALL RISK cancellation
(extension of insurance cover for the Cancellation component)
B Assistance
C Search and rescue costs
D Repeat trip
E Auto-Assistance
F Flight delay
H Private Medical
J Travel baggage
K Air accident
L Excess insurance (CDW)
M Legal protection
III Special provisions
relating to the individual service benefits
N Travel Hotline
O 24-hour medical advisory
service
P Credit and customer cards
barring service (KKS)
Q Mobile phone barring
service
R Home Care
Overview of insurance benefits
|
Insurance
type |
Insurance
protection |
Sum insured |
(Maximum) |
|
A1 Cancellation A4 ALL Risk Cancellation |
Trip cancellation and
delayed start to trip |
per event |
as set out in policy |
|
B Assistance |
Repatriation under medical
supervision, additional return journey, trip cancellation, trip interruption |
per event |
unlimited |
|
C Search and rescue costs |
Search and rescue costs |
per event |
CHF 30,000.– |
|
D Repeat
trip |
Travel voucher to the amount
of the booked package as a result of an insured event |
per event |
as set out in policy |
|
E Auto-Assistance |
Breakdown rescue and
recovery as a result of accident or breakdown. A restricted amount of cover applies to certain
benefits |
|
unlimited |
|
F Flight
delay |
Expenses for hotel,
rebooking and telephone when a connection flight is missed |
per case |
CHF 2,000.– |
|
H Private
Medical |
Payment of costs not covered
by health or accident insurance |
per case |
as set out in policy |
|
J Travel
baggage |
Robbery, theft, loss, damage
or destruction. A limited level of cover applies to certain items |
per event |
as set out in policy |
|
K Air
accident |
Death/disability as a result
of an air accident Maximum benefit for an
accident involving several insured individuals |
per person |
as set out in policy |
|
L Excess
insurance (CDW) |
Excess for damage to a
rented vehicle during the period of rental |
per loss case |
CHF 10,000.– |
|
M Legal
protection |
Legal protection in relation
to travel |
per loss case in outside |
CHF 250,000.– CHF 50,000.– |
|
Service
benefits with no cost payment |
|||
|
N Travel
Hotline |
Telephone travel
information, hospitals and for minor medical problems |
||
|
O 24-hour medical advisory service |
Telephone
information about minor medical problems in the country of travel |
||
|
P Credit and customer cards barring
service |
Barring of credit, bank and
post cards (KKS) and customer cards as a result of theft, robbery or loss |
||
|
Q Mobile phone barring service |
Barring mobile phones after
theft, robbery or loss |
||
|
R Home
Care |
Provision of telephone
numbers of workmen in case of emergencies at home |
||
|
S Callyandi
– translation service |
Telephone translation
service |
||
General Terms and Conditions
of Insurance
The
insurance protection provided by the Mondial Assistance (Schweiz) (hereafter
referred to as Mondial) is defined by the Insurance Policy and the following
General Terms and Conditions of Insurance.
I Common provisions relating to all
components of insurance
The
common provisions for all components of insurance only apply to the extent that
there are no contrary provisions in the Special Provisions to the individual
components of insurance.
1 Insured persons
1.1 The
insurance covers whoever is listed in the insurance policy(ies). If a family
policy is arranged, this will include all those who live in the same household
and any of their underage children who do not live in the same household. The
“Junior 26” insurance can only be completed by persons who haven’t passed their
26th birthday.
1.2 The
insurance covers those people listed in accordance with Clause I 1.1 if they
have their permanent residence in
1.3 The
insurance covers those people listed in accordance with Clause I 1.1 if they
live abroad, as long as they booked their trip in
2 Scope of the insurance
The
insurance provides cover worldwide or in
3 Extension of insurance cover
Annual
insurance policies are valid for 1 year from the commencement of insurance
entered in the policy. Upon expiry, they are extended automatically by another
year in each case. Either the insured person or Mondial can terminate the
contract by giving a period of notice of 3 months from its conclusion, in
writing.
4 Obligations in the event of loss/damage
4.1 The
insured person has a duty to do everything possible to minimise the loss/damage
and to clarify it.
4.2 The
insured person has a duty to undertake in full his/her contractual or legal
obligations with regard to notification, information or conduct (including
immediate prompt notification of the insured event to the contact address
specified in the common provisions).
4.3 If
the loss/damage has arisen as a result of illness or injury, the insured person
must ensure that the medical personnel providing treatment are freed from their
duty of confidentiality with regard to Mondial.
4.4 If
the insured person is also able to assert claims for which Mondial has furnished
provisions against third parties, he/she must safeguard these claims and cede
them to Mondial.
4.5 The
following documents must be made available to Mondial at the contact address
specified in the common provisions (in accordance with the insured event):
- Proof of
insurance (Policy)
- Invoice for
cancellation costs, in the original
- Transport
tickets (airline tickets, railway tickets), entry cards, receipts, etc. in the
original
- Receipts
for unforeseen costs, in the original
- Death
certificate
- Booking
confirmation
- Documents
and/or official certificates that confirm that the loss/damage has happened
(e.g. detailed medical certificate with diagnosis, employer’s certificate,
police report, etc.)
- Confirmation
of business travel from the employer
- Copy of
passport with immigration stamp
- Invoices for costs of medical
personnel, medical products and hospitals, plus doctor’s
prescriptions in the original
- Invoices
for the insured additional costs in the original
- Record of
the facts of the case
- Missing
persons notification for EDA
- Proof of
delay by airline.
5 Violation of obligations
If
the person with the right to claim violates his/her obligations, Mondial can
refuse or reduce its benefits.
6 Non-insured events
6.1 If
an event has already taken place at the time the contract is concluded or the
trip is booked, or if the event was discernible for the insured person at the
time the contract was concluded or the trip was booked, there will be no right
to claim benefit.
6.2 Events
are not insured if they have been caused by the insured person as follows:
- Misuse of
alcohol, drugs or medical products
- Suicide or
attempted suicide
- Participation
in strikes or unrest
- Participation
in competitions and training sessions involving motor vehicles or boats
- Participation
in actions involving risks, where the individual knowingly exposes
himself/herself to danger
- Grossly
negligent or pre-meditated conduct/omission
- Commitment
of a crime or offence, or the intention to do so
6.3 The
insurance does not cover activities related to an insured event, e.g. costs of
replacement of the insured items or police-related matters.
6.4 The
insurance does not cover the following events or their consequences: war,
terrorist attacks, unrest of any kind, epidemics, pandemics, natural
catastrophes and incidents involving atomic, biological or chemical substances.
6.5 The
insurance does not cover the consequences of events caused by official decrees,
e.g. confiscation of assets, imprisonment or ban on leaving the country.
6.6 If
the purpose of the trip is for medical treatment as an in-patient.
6.7 If
the certifier (expert, doctor, etc.) is a direct beneficiary or relative of the
insured person by blood or by marriage.
6.8 The
insurance does not cover costs relating to kidnappings.
7 Definitions
7.1 Closely
connected persons
Closely
connected persons are:
- Relatives
(spouses, parents, children, parents-in-law, grandparents and siblings)
- Personal
partners and their parents and children
- Carers of
underage children or relatives who are in need of care and are not travelling
with the insured person
- Very close
friends, with whom there is intensive contact
7.2
The
European area of application includes all the nations on the European continent
plus the Mediterranean and Canary Islands, Madeira and the nations that border
the Mediterranean but are outside
7.3
The
Swiss area of application covers
7.4 Damage
by the elements
Damage
by the elements covers loss or damage caused by events involving the elements,
such as high water levels, floods, storm (wind speeds of at least 75 km/h),
hail, avalanche, weight of snow, rock slip, rock fall or landslide. Damage
caused by earthquakes or volcanic eruptions does not count as damage by the
elements.
7.5 Monetary
assets
Monetary
assets are cash, credit cards, securities, savings books, precious metals (as
reserves, bullion or retail goods), coins, medals, loose precious stones and
pearls.
7.6 Trip
A
trip includes a stay of more than one day’s duration away from the usual place
of residence, or a shorter trip at a location at least 30 km away from the
usual place of residence, excluding journeys to work. The maximum duration of a
trip within the meaning of these General Terms and Conditions is limited to a
total of 92 days. For the annual travel insurance policies, the maximum
duration of the trip is limited to 365 days.
7.7 Travel
company
A
travel company (travel organiser, travel agent, airline, car hire company,
hotels, course organiser etc.) includes any company that, based on a contract,
provides travel services with and for the insured person.
7.8 Public
conveyance or means of transport
A
public conveyance or means of transport is a method of transport that travels
regularly, on the basis of a timetable, and for which a ticket has to be
purchased. Taxis and hired vehicles do not count as public means of transport.
7.9 Breakdown
A
breakdown is a sudden, unforeseen failure of the insured vehicle as a result of
an electrical or mechanical defect, which makes it impossible to continue the
journey, or which would make it illegal to continue the journey. The following
are put in the same category as a breakdown: tyre faults, lack of fuel, vehicle
keys locked in the vehicle and discharged battery. Loss of or damage to the
vehicle key and incorrect fuel do not count as a breakdown and are not covered
by insurance.
7.10 Personal
injury
An
injury is the sudden, unintended damaging effect of an unusual factor on the
human body.
7.11 Motor
vehicle accident
An
accident is any damage to the insured vehicle, caused by a sudden violent
external event, which makes it impossible to continue the journey, or which
would make it illegal to continue the journey. In particular, this includes
events caused by impact, collision, turning over, crashing, subsidence and
immersion.
7.12 Severe
illness / Severe consequences of injury
Illnesses
and/or consequences of injury are regarded as severe if they result in a
temporary or permanent inability to work, or if they cause an absolute
inability to travel.
8 Complementary clause
8.1 If
an insured person has an entitlement under a different contract of insurance
(voluntary or compulsory insurance), the cover is limited to that part of our
benefits that exceeds that provided by the other insurance contract. Overall
costs will only be reimbursed one single time.
8.2 If
Mondial has nevertheless provided benefits for the same loss/damage, these
shall be regarded as an advance payment, and the insured person shall cede
his/her entitlement to claim against the third party (third-party, voluntary or
compulsory insurance) to Mondial to the same extent.
9 Period of limitation
The
period of limitation for claims resulting from the insurance contract is 2
years from the time of the event upon which the duty to provide the benefit is
based. (Exception: air accident; in this case, the period of limitation is 5
years.)
10 Hierarchy of standards
The
“Special provisions relating to the individual components of insurance” take
precedence over the “General provisions relating to all components of
insurance”.
11 Place of jurisdiction and applicable law
11.1 Actions
against Mondial may be filed in the court at the company’s headquarters, or at
the Swiss place of residence of the insured person or the person with an
entitlement to claim.
11.2 The
Swiss law governing the insurance contract (the Bundesgesetz über den
Versicherungsvertrag, or VVG) is applied as a supplement to these provisions.
12 Contact address
Mondial
Assistance (Schweiz), Hertistrasse 2, Postfach, 8304
II Special provisions relating to the
individual components of insurance
1 Scope
1.1 Insurance
protection begins on the day on which the insurance policy is issued, and ends
when the insured trip begins. The beginning of the trip is taken as the time
the insured person enters the booked means of transport, or the booked hotel,
etc., if no means of transport has been booked.
1.2 Insurance
protection only exists if the insurance has been taken out within 8 days of
issue of the final confirmation of booking by the booking office. Issue of the
insurance policy is regarded as its arrangement.
1.3 In
the case of annual insurance policies, initial arrangement must take place
before the beginning of any cost-liable notice of termination period at the
travel company, or must occur at the same time as the travel booking is made.
2 Sums insured
The
sums insured are given in the Overview of insurance benefits.
3 Insurance benefits
3.1 Cancellation
costs
If
the insured person cancels the contract with the travel company as a result of
an insured event, Mondial will pay the contractually owed cancellation costs,
up to the amount of the agreed sum insured. Where tickets for an event are not
part of a package arrangement, an excess of CHF 50 will be deducted per ticket.
3.2 Delay
to start of trip
If
the insured person suffers a delay to the start of the trip as a result of an
insured event, Mondial will pay the following costs instead of the costs of
cancellation (up to a maximum of the level of the cost of a cancellation):
- the
additional travel costs arising in relation to the delayed departure and
- the costs
of the unused part of the trip, in proportion to the package price (excluding
transport costs). The date of the outward journey is regarded as a used day of
the package.
3.3 The
expenses of disproportional or repeated administrative costs or for the
insurance premium will not be reimbursed.
4 Insured events
4.1 Illness,
injury, death and pregnancy
1 Severe
illness, severe injury, complications of pregnancy or as a result of death (in
so far as the relevant event has arisen after the time of booking)
- of the insured person;
- of a person travelling with the insured
person, who has booked the same trip and has cancelled it;
- of a person who is closely connected to the
insured person, but who is not travelling with the insured person;
- of the person deputising for the insured
person at his/her place of work, if the presence of the insured person is
indispensable.
If
several people have booked the same trip, it can only be cancelled by a maximum
of 6 people.
2 Psychological
illness. Insurance cover only exists if
- the inability to travel and work is certified
by a psychiatrist, and
- the inability to work is proven by providing a
confirmation of absence from the employer.
3 In the
event of chronic illness, insurance protection only applies if the trip has to
be cancelled as a result of an unexpected acute worsening, as certified by a
doctor. It is a prerequisite that the state of health of the insured person was
stable and that the person was fit to travel at the time of booking.
4 In the
event of pregnancy, insurance protection only applies if the pregnancy occurred
after the time of booking the trip, and if the date of return is after the 24th
week of pregnancy, or if the pregnancy has occurred after the time of booking
the trip, and a vaccination that would present a risk to the unborn child is
recommended for the destination of travel.
4.2 Damage
to property at the place of residence
If
there has been serious damage to the property of the insured person at his/her
permanent place of residence as a result of theft, fire or damage by the
elements, and the presence at home of the insured person is therefore
indispensable.
4.3 Delay
and failure of the means of transport for the outward journey
If
it becomes impossible to start the booked trip as a result of a delay or
failure of the means of public transport used on the outward journey to reach
the point of departure anticipated in the travel package.
4.4 Failure
of the vehicle on the outward journey
If
the private vehicle or taxi becomes undriveable during the direct trip to the
point of departure anticipated in the travel package, as a result of an
accident or breakdown. Problems with keys and fuel are not covered by
insurance.
4.5 Strikes
If
strikes make it impossible for the trip to be undertaken.
4.6 Dangers
at the destination of travel
If
war, terrorist attacks, unrest of any kind, natural catastrophes or radioactive
radiation at the destination of travel endanger the life of the insured person,
and the official Swiss advice (from the Federal Department of Foreign Affairs
(DFA)) is against undertaking the trip.
4.7 Unemployment
/ unexpected start of a new job
If
the insured person unexpectedly starts a new job or receives a notice of
termination of employment through no fault of his/her own within the last 30
days before the outward journey.
4.8 Summons
from the authorities
If
the insured person unexpectedly receives a summons to appear as a witness or as
a juror in a court. The court dates must lie within the period of travel.
4.9 Theft
of passport or identity card
If
the passport or the identity card of the insured person is stolen immediately
before departure, making it impossible to start the trip.
NB:
Emergency passport offices are located at various airports.
5 Non-insured events (as a supplement to
Clause I 6: Non-insured events)
5.1 Poor
course of recovery
If
an illness or the consequence of an accident, an operation or a medical
intervention already exists at the time of booking the trip, and recovery is
not complete by the date of travel. If recovery from the consequences of an
operation/medical intervention already planned at the time of booking the trip,
but not undertaken until afterwards, is not complete by the date of travel.
5.2 Cancellation
by the travel company
If
the travel company can not fulfil the contractual benefits in full or in part,
or cancels the trip, or has to cancel as a result of the actual circumstances,
and has to reimburse the costs of benefits not provided on statutory grounds.
The actual circumstances, as a result of which the trip would have to be
cancelled, would include advice from the Federal Department of Foreign Affairs
(DFA) against travel to the affected area.
5.3 Official
directives
If
official directives make it impossible to carry out the booked trip according
to plan.
6 Obligations in the event of loss/damage
(as a supplement to Clause I 4: Obligations in the event of loss/damage)
In
order to be able to call upon the Mondial benefits, the person with the entitlement
to claim must cancel the booked trip with the travel company or the person who
is renting immediately upon the occurrence of the insured event, and then
notify Mondial of the loss/damage in writing.
A4 ALL
RISK cancellation (extension of insurance cover for the Cancellation component)
The
All Risk extension of the Cancellation component
of the insurance will cover payment of up to a maximum of 80% of the
cancellation costs contractually owed by the insured person, up to the level of
the agreed sum insured, if events occur that are not covered by the Cancellation insurance but provably
affect the insured person directly and personally, and lead to the cancellation
of the insured trip, with the exception of
- The events specified as
fundamentally non-insured under Clause I 6 (General Terms and Conditions of
Insurance),
- Cancellations associated with
multiple simultaneous bookings and/or overlapping journey times
- An error in the choice of
destination of travel, means of travel or travel agent/partner in the travel
contract.
In
order to be able to call upon the benefits covered by the All Risk insurance
extension to the Cancellation component
of the insurance cover, the claimant must send a written form of confirmation
and/or written proof of the event leading to the cancellation (e.g.
confirmation from the authorities or other official sources, employers, insurance
policies, lawyers, notaries public or tax consultants, doctors or veterinaries)
to Mondial, in addition to the documents to be provided in the event of a claim
as are already listed in the applicable Common Provisions relating to all
Components of Insurance.
In
addition, the Special Provisions of the Cancellation
component of insurance relating to Scope,
Sum insured and Obligations in the event of loss/damage will also apply.
1 Sums insured
The
sums insured are given in the Overview of insurance benefits.
2 Insured events and benefits
The
Mondial emergency call centre is available round the clock (conversations with
the emergency call centre are recorded):
Tel. +41
44 202 00 00 / Fax +41 44 283 33 33
In
the case of medical benefits, the Mondial-Assistance doctors have the sole
right to decide upon the type and timing of the measure undertaken.
The
following benefits must in any event be requested by telephone through the Mondial
emergency call centre:
2.1 Assistance
benefits
1 Transfer
to the nearest suitable hospital
If the insured person becomes seriously ill, or is
seriously injured, or if an unexpected worsening of a chronic illness,
certified by a doctor, occurs during the trip, Mondial-Assistance will organise
and pay for transfer into the nearest hospital suitable for the treatment,
based on an appropriate medical diagnosis.
2 Repatriation
with medical care to a hospital at the place of residence
If medically necessary, Mondial-Assistance will
organise and pay for repatriation with medical care to a hospital suitable for
the treatment at the place of residence of the insured person.
3 Repatriation
without medical care to the place of residence
Based on an appropriate medical diagnosis, and the
prerequisites of Clause II B 2.1.1, Mondial-Assistance will organise and pay
for repatriation without accompaniment by medical carers to the place of
residence of the insured person.
4 Return
travel caused by interruption of trip by traveller or member of the family on
the same trip
If a closely-connected person or member of the family
on the same trip is repatriated to his/her place of residence, or the trip has
to be interrupted for some other insured reason, and the insured person would
have to continue the trip on his/her own, Mondial-Assistance will organise and
pay for the extra costs for the additional return journey (first-class train
ticket, economy- class air ticket) for the insured person and/or the insured
family member.
5 Care
for underage children on the same trip
If both parents, or the only parent taking part in a
trip, have to be repatriated to their place of residence, Mondial-Assistance
will organise additional care for the underage children who would have to
continue the trip or return home alone, and will pay the costs for the outward
and return journey of a carer (first-class train ticket, economy-class air
ticket).
6 Return
travel caused by the illness, injury or death of a closely connected person at
home, or deputising person at the place of work
If a closely connected person at home or a deputy at
the place of work becomes severely ill, is severely injured or dies, Mondial-Assistance
will organise and pay for the extra costs for the additional return journey
(first-class train ticket, economy-class air ticket) to the permanent place of
residence of the insured person.
7 Premature
return for other important reasons
If the property of an insured person at their place of
residence has been severely affected as a result of theft, fire or damage by
water or the elements, Mondial-Assistance will organise and pay for the extra
costs for the additional return journey (first-class train ticket,
economy-class air ticket) for the insured person to his/her place of residence.
8 Temporary
return
Mondial-Assistance will also organise and pay for the
temporary return (first-class train ticket, economy-class air ticket) of an
insured person to his/her place of residence (outward and return) for the same
reasons as under Clause II B 2.1.6 and II B 2.1.7. The costs for the unused
part of the trip will not be reimbursed.
9 Repatriation
of the body in the event of death
If an insured person dies, Mondial will pay for the
costs of cremation away from the home nation, or the extra costs to fulfil the
international agreement on the conveyance of corpses (minimum requirements such
as a lead coffin or lining) plus the return carriage of the coffin or urn to
the last place of residence of the insured person. Disposal of the lead coffin
is also covered.
10 Return
travel caused by unrest, terrorist attacks, natural catastrophe or strike
If it can be proven that unrest, terrorist attacks,
natural catastrophes or strikes at the destination of travel make it impossible
for the trip to continue, or put the life and property of the insured person at
definite risk, Mondial-Assistance will organise and pay for the extra costs for
the additional return journey (first-class train ticket, economy-class air
ticket) of the insured person.
11 Return
travel caused by failure of the means of transport
If the means of public transport booked or used for
the trip fails, and continuation of the trip is therefore not possible, Mondial-Assistance
will organise and pay for the extra return journey or the delayed onward
journey of the insured person. Delays and diversions of the means of public
transport booked or used do not count as failure. There is no entitlement to
claim for breakdowns or accidents involving private vehicles used to undertake
the trip, whether the insured person is the driver or a passenger.
12 Effects
of the theft of documentation
In the event of the theft of personal documents
(passport, identity card, conveyance tickets and accommodation vouchers),
temporarily making it impossible to continue the trip or return to Switzerland,
Mondial will pay the extra costs of the stay (hotel, cost of transport on site,
additional costs for return journey) up to a maximum of CHF 2,000.– per event,
providing the responsible police authorities have been promptly informed.
2.2 Visiting
trip
If
the insured person has to be hospitalised abroad for more than 7 days, Mondial-Assistance
will organise and pay for a visiting trip (first-class train ticket, economy-class
air ticket, medium-class hotel) for a maximum of two closely connected people,
up to a maximum of CHF 5,000.–.
2.3 Mondial
service benefits
1 Advance
payment to a hospital
If the insured person has to be hospitalised abroad, Mondial-Assistance
will, if necessary, provide an advance payment of the hospital charges, up to
CHF 5,000.–. The advance payment must be repaid to Mondial-Assistance within 30
days of discharge from the hospital.
2 Travel
Hotline
The Travel Hotline (N) is available to the insured
person without restriction throughout the duration of the trip.
2.4 Reimbursement
of travel costs
1 Reimbursement
of the costs of the unused part of the trip
If an insured person has to interrupt the trip as a result of an insured
event, the costs of the unused part of the trip will be reimbursed by
Mondial-Assistance in proportion to the price of the insured package.
Reimbursement is limited to the sum on the policy. If the Policy does not
indicate a particular amount, the compensation will be limited to the amount of
the insured cancellation costs. No reimbursement will be made for the costs of
the homeward journey originally booked. A benefit is inapplicable if there is
an entitlement to a repeat trip as a result of supplementary insurance.
2 Unforeseen
expenses for repatriation, extra return travel, interruption of travel or
delayed return travel
If any unforeseen expenses occur in connection with an
insured event (taxi, telephone costs etc.) Mondial-Assistance will pay up to
CHF 750.– per person for these costs.
3 Non-insured events and benefits (as a
supplement to Clause I 6: Non-insured events)
3.1 Failure
of agreement by the Mondial emergency call centre
If
the Mondial emergency call centre has not agreed in advance to the benefits.
3.2 Interruption
by the travel company
If
the travel company can not fulfil the contractual benefits in full or in part,
or interrupts the trip, or has to interrupt or cancel as a result of the actual
circumstances, and has to reimburse the costs of benefits not provided on
statutory grounds and/or pay the costs of return travel. The actual
circumstances, as a result of which the trip would have to be cancelled or
interrupted, would include advice from the Federal Department of Foreign
Affairs (DFA) against travel to the affected area.
3.3 The
costs of out-patient or in-patient treatment are not covered by Mondial-Assistance.
4 Obligations in the event of loss/damage
(as a supplement to Clause I 4: Obligations in the event of loss/damage)
In
order to be able to claim Mondial-Assistance benefits, the Mondial emergency
call centre must be informed immediately of the event or illness:
Tel. +41 44 202 00 00 / Fax +41 44 283 33 33
1 Sums insured
The
sums insured are given in the Overview of insurance benefits.
2 Insured event and benefit
2.1 If
the insured person is registered as missing abroad, or has to be rescued from a
physical emergency, Mondial-Assistance will pay the necessary search and rescue
costs.
2.2 In
any case, the search and rescue must be requested from the Mondial emergency
call centre by telephone:
Tel. +41 44 202 00 00
3 Non-insured events and benefits (as a
supplement to Clause I 6: Non-insured events)
If
the Mondial emergency call centre has not agreed in advance to the search and
rescue.
1 Sums insured
The
sums insured are given in the Overview of insurance benefits.
2 Insured event and benefit
2.1 The
insured person is entitled to claim a repeat trip if he/she has been
repatriated to his/her place of residence by the Mondial emergency call centre
on medical grounds during the period of insurance.
2.2 When
the insured event occurs in accordance with Clause II D 2.1, the insured person
will receive a travel voucher to the value of the package booked before
departure. Unused benefits of the package and reimbursement following
repatriation will be settled by the entitlement to reimbursement.
3 Non-insured
events (as a supplement to Clause I 6: Non-insured events)
If
the repatriation of the person entitled to claim has not been arranged by the Mondial
emergency call centre.
4 Obligations
in the event of loss/damage (as a supplement to Clause I 4: Obligations in the
event of loss/damage)
In
order to be able to claim Mondial-Assistance benefits, the Mondial emergency
call centre must be informed immediately of the event or illness:
Tel. +41 44 202 00 00 / Fax +41 44 283 33 33
1 Insured vehicle
The
motor vehicle driven by the insured person (cars and motor caravans up to 3.5 t
plus motorbikes). Approved camping trailers and caravans are also insured.
2 Scope
The
insurance protection applies to events in
3 Sums insured
The
sums insured are given in the Overview of insurance benefits.
4 Insured events and benefits
All
the Auto-Assistance must in each case be requested from the Mondial-Assistance
centre by telephone (conversations with the Mondial-Assistance centre will be
recorded): Tel. +41 44 202 00 00
4.1 Breakdown
help / recovery / rescue
1 If the
vehicle can no longer be driven as a result of a breakdown or an accident, Mondial-Assistance
will organise and pay for breakdown help at the location of the event, or
recovery to a suitable garage nearby.
2 The costs
of rescue after an accident (recovery of the vehicle onto the road) are insured
up to CHF 2,000.–.
4.2 Overnight
stay / travel home / hired car
If
the vehicle has been stolen, or can not be repaired in a nearby garage on the
same day (within 48 hours if abroad, for reasons of expertise) after a
breakdown or accident, Mondial-Assistance will organise one of the three
following benefits after receiving a call:
4.2.1 Overnight
stay
If
the vehicle can not be repaired on the same day, or if the return or onward
journey is impossible on the same day in the case of theft, Mondial-Assistance
will organise and pay for an overnight stay in
or
4.2.2 Travel
home
Travel
home by public transport for all passengers to the place of residence of the
person insured (in
or
4.2.3 Hired car
In
the case of events that occur abroad, Mondial-Assistance will organise and pay
for a hired car for the onward or return journey for a maximum of 5 days and up
to CHF1,500.–. Fuel costs and other running expenses will not be paid. The
insured person has a duty to fulfil the contractual terms and conditions of the
car hire company.
4.3 Taxi
costs
If
any taxi costs arise in conjunction with an insured event in accordance with
Clause II E 4.2, Mondial-Assistance will pay for these, up to a maximum of CHF
100.– per event.
4.4 Return
transport for vehicle
If
the vehicle cannot be repaired the same day in Switzterland and abroad within
48 hours, Mondial-Assistance will organise and pay for the return transport of
the undriveable or recovered vehicle to the nearest repair shop at the place of
residence of the person insured. In the case of return transport from abroad,
the costs of return transport will only be paid if the transport costs are less
than the current value of the vehicle after the event. If the vehicle is not
transported back to
4.5 Driving
back by chauffeur
If
the driver is seriously ill, seriously injured or dies, and no other traveller
on the trip can drive the vehicle back, Mondial-Assistance will organise and
pay for the other passengers and the vehicle to be driven back to the place of
residence of the insured person by a chauffeur.
4.6 Delivery
of replacement parts abroad
If
the necessary replacement parts can not be procured in the nearby suitable
garage after the event, Mondial-Assistance will organise and pay for immediate
delivery where possible. The costs of the replacement parts are not insured.
5 Non-insured events (as a supplement to
Clause I 6: Non-insured events)
5.1 If
Mondial-Assistance has not agreed in advance to the benefits in accordance with
Clause II E 4: Insured events and benefits.
5.2 The
benefits in accordance with Clause II E 4.2 can only be claimed if the
breakdown help/recovery has been organised in advance by Mondial-Assistance in
accordance with Clause II E 4.1.
5.3 If
the vehicle is not in a condition that meets the applicable traffic law
provisions at the time of the event, or if the service tasks recommended by the
manufacturer have not been carried out.
5.4 Breakdowns
and accidents that happened away from public roads or on unofficial roads.
5.5 Breakdowns
and accidents that happened on roads forbidden by law or by the authorities.
5.6 If
the event concerns a vehicle used for business or a hired car.
5.7 If
the event is caused by vandalism or by the elements.
5.8 The
insurance does not cover damage to the vehicle nor to goods carried in it, nor
to any consequent costs.
5.9 The
insurance does not cover the costs of repair and replacement parts.
5.10 Mondial-Assistance
does not accept liability for any loss/damage caused by a service provider
instructed by you.
6 Obligations in the event of loss/damage
(as a supplement to Clause I 4: Obligations in the event of loss/damage)
6.1 In order
to be able to claim Assistance benefits, the Mondial emergency call centre must
be informed immediately of the event or illness:
Tel. +41
44 202 00 00 / Fax +41 44 283 33 33
6.2 Any
claims for loss/damage caused to insured vehicle by a service provider
instructed by Mondial-Assistance in connection with an insured event must be
asserted directly against the service provider and/or party responsible.
1 Sums insured
The
sums insured are given in the Overview of insurance benefits.
2 Insured
event and benefit
If
a connection between two flights is missed because of a delay of at least 3
hours caused solely by the first airline, Mondial will pay for the extra costs
of continuing the journey (hotel costs, costs of rebooking, telephone charges).
3 Non-insured events (as a supplement to
Clause I 6: Non-insured events)
If
the insured person him-/herself is responsible for the delay.
4 Obligations in the event of loss/damage
(as a supplement to Clause I 4: Obligations in the event of loss/damage)
In
order to be able to claim Mondial-Assistance benefits, the Mondial emergency
call centre must be informed of the event immediately upon return to
1 Insured persons
The persons
insured according to Clause I 1, as long as they are not older than 80 years of
age.
2 Sums insured
The
sums insured are given in the Overview of insurance benefits.
3 Scope
3.1 The
insurance is valid for travel throughout the world, with the exception of
3.2 The
insurance cover begins on the date specified in the proof of insurance
(policy), but at the time of payment at the earliest. If the date is missing,
then the start of the insurance will apply from the issue date of the policy.
3.3 The
costs for treatments by doctors and in hospital will be met for up to 90 days
beyond the agreed period of insurance, as long as the illness or accident
occurred during the insured time.
3.4 Following
the end of this insurance cover, Private Medical can be rearranged after a
waiting time of 4 weeks. If it emerges at the time of loss/damage that this
waiting time was not maintained, then cover will not exist.
4 Insurance benefits
Mondial
provides its benefits as a supplementary insurance to the statutory social
insurances in
4.1 In
the case of an accident or illness, Mondial will pay for the following listed
medical benefits in the relevant country of travel, as long as the necessary
medical intervention has been requested by a certified doctor or dentist, or by
a person with the relevant operational approval:
- Treatment
measures, including medication
- Hospital
treatment
- Treatment
by a state registered chiropractor
- Hire of
medical aids
- In the
event of an accident: initial provision of prostheses, spectacles, hearing
aids, etc
- Repair or
replacement of medical aids if these have been damaged by an accident requiring
medical treatment
- Transport
to the nearest suitable hospital for treatment
- Dental
treatment resulting from an accident, up to a maximum of CHF 3,000.–
4.2 As
long as the doctors at the Mondial emergency call centre have given their
express approval, Mondial will also pay the necessary costs of in-patient
treatment in a private ward. Approval for treatment in a private ward must be
obtained by telephone from the Mondial emergency call centre in every case
(conversations with the emergency call centre will be recorded):
Tel.
+41 44 202 00 00 / Fax +41 44 283 33 33.
4.3 Limitation
and exclusion of service
4.3.1 If there is no Swiss health and/or accident
insurance cover, Mondial will only pay 50% of the overall documented costs for
hospital and out-patient treatment that would exceed the obligatory part of the
Swiss health and/or accident insurance cover, as long as these costs have
arisen as a result of illness or injury. No further services will be provided
in such cases.
4.3.2 In the event of injury or illness, Mondial
will pay the necessary costs of treatment in the private ward only up to the
time at which the repatriation/return travel of the insured individual is
possible, in the sole opinion of the doctors at the Mondial emergency call
centre.
4.3.3 There is no entitlement to claim payment or
repayment of the costs of treatment in the private ward without the express
agreement in advance of the doctors at the Mondial emergency call centre.
4.3.4 The doctors at the Mondial emergency call
centre will approve or refuse their agreement to treatment in the private ward
according to Clause II H 4.2 at their own discretion, taking account of the
local medical conditions in the relevant country of travel, and after weighing
up the medical necessity/suitability of the treatment to be undertaken. If the
insured individual undergoes treatment in a private ward in spite of the lack
of approval by the doctors at the Mondial emergency call centre, or their
express referral to a general ward, this will be at the sole responsibility and
cost of the insured individual.
5 Insured events
Accidents
and illnesses for which emergency medical intervention is appropriate.
6 Non-insured events (as a supplement to
Clause I 6: Non-insured events)
6.1 Accidents
and illnesses that were already present when the insurance cover started,
together with their consequences. Complications, worsening or relapse,
particularly for chronic and repeated illnesses, and independently of whether
they were already known to the insured person at the time the insurance cover
started.
6.2 Investigation
and treatment of dental and jaw diseases.
6.3 Investigation
and treatment of conditions of tiredness and exhaustion, as well as nervous or
psychological illnesses.
6.4 Investigation
and treatment of malignant diseases, including checks.
6.5 Gynaecological,
paediatric or general check-ups.
6.6 Prophylactic
medication, sleeping tablets, tranquillisers, vitamins, homeopathic
medications, vaccinations, first-aid kits, amphetamines, hormones and
cholesterol-reducing drugs.
6.7 Pregnancy,
abortion and birth, together with any complications, and the consequences of
contraceptive or abortion measures.
6.8 Accidents
while driving a motor vehicle for which the insured person does not fulfil the
statutory requirements.
6.9 Accidents
while carrying out manual work.
6.10 Accidents
while parachute jumping or piloting aircraft or flying devices.
6.11 Massages
and well-being treatments, plus cosmetic surgery.
6.12 Accidents
during military service.
6.13 No
excess costs (or franchises) will be paid for the statutory social insurance
schemes (nursing care insurance, accident insurance, etc.) or any supplementary
insurances.
7 Cost credit
7.1 Mondial
provides cost credits as part of this insurance and as a supplement to the
statutory social insurance schemes (nursing care insurance, accident insurance,
etc., and analogous insurance schemes in the countries where the insured person
has his/her main place of residence or his/her main health insurance provision)
and any supplementary insurance schemes for all in-patient treatment in
hospital. The insured person is still the debtor in relation to the service
provider (doctor, etc.) for all out-patient treatments carried out locally.
7.2 The
cost credit must be requested by telephone from the Mondial emergency call
centre in all cases (conversations with the emergency call centre will be
recorded): Tel. +41 44 202 00 00 / Fax +41
44 283 33 33
8 Obligations in the event of loss/damage
(as a supplement to Clause I 4: Obligations in the event of loss/damage)
8.1 Mondial
must be informed in writing immediately after the occurrence of the event (cf.
Clause I 12: Contact address).
8.2 The
insured person must, at the request of Mondial, be willing to undergo a medical
inspection by the company doctor at any time.
1 Insured items
The
insurance covers the travel baggage of the insured person, including souvenirs
collected during the trip, i.e. all items owned by the insured person and taken
on the trip for personal use or handed over to a transport company for
conveyance.
2 Scope
The
insurance applies worldwide or in Europe, depending on the insurance cover
agreed or in accordance with the details on the policy. The permanent place of
residence of the insured person is excluded.
3 Sums insured
The
sums insured are given in the Overview of insurance benefits.
4 Insured events and benefits
4.1 For
- Theft
- Robbery (theft
involving the threat or use of violence against the insured person)
- Damage and
destruction
- Loss and
damage during conveyance by a public transport company
- Delayed
delivery by a public transport company
the
following benefits will be provided, taking account of the agreed sum insured:
1 For a
complete write-off or loss, the actual purchase price of the insured item will
be repaid. If this is lower at the time the damage occurred, then the lower sum
will be paid.
2 For partial
loss/damage, the cost of repair of the damaged item will be limited to the
current value.
3 For film,
photographic and video equipment, music equipment (MP3 player, Discman, etc.)
and for skis, snowboards and bicycles, the current value will be repaid. The
current value will be taken as the actual purchase price minus an annual
depreciation of 20%, starting from 1 year after purchase (amortisation).
4 For films,
data carriers, image carriers and sound media, the material value will be
repaid.
5 In the case
of delayed delivery by a public transport company, the recompense for
indispensable purchases and hire charges will be limited to a maximum of 20% of
the agreed sum insured.
6 For
personal and vehicle papers, and for keys, the costs are limited to the initial
costs of procurement.
7 Scratch and
wear damage on bicycles will be repaid to a maximum of CHF 200.–.
8 For travel
souvenirs, a maximum of CHF 300.– will be paid.
4.2 In
the event of robbery of monetary assets, the maximum repayment will be CHF
1,000.–, with a maximum of CHF 2,000.– for the robbery of tickets (train
tickets, air tickets, etc.)
4.3 Musical
instruments, sports equipment, bicycles, baby buggies, rubber dinghies and
folding canoes are only insured during transport by the public transport
companies.
4.4 The
insured person is subject to an excess of CHF 200.– per case of loss/damage by
theft.
5 Non-insured items
1 Motorboats,
ships, surfboards and aircraft, including accessories in each case
2 Valuable
items covered by special insurance
3 Securities,
deeds, business papers, travel tickets and vouchers, cash, credit and customer
cards and stamps (see Clause II J 4.2 for exceptions)
4 Computer
hardware (desktop, laptop, beamer, accessories, handheld, etc.), mobile phone
devices, navigation equipment, and all kinds of software
5 Valuable
items left in a vehicle (locked or unlocked)
6 Items left
on a vehicle, or overnight (10 pm to 6 am) in or on a vehicle where the insured
person is not sleeping
7 Precious
metals, loose precious stones and pearls, stamps, retail goods, goods samples,
items with an artistic or collectable value and occupational tools
8 Film,
photographic and video equipment, jewellery and furs, in so far as they are
within the area of responsibility of the transport company while they are being
conveyed by public transport
9 Spectacles
against damage and destruction
10 Hearing aids and hearing aid accessories
11 Theft, loss
or destruction of monetary assets
6 Non-insured events (as a supplement to
Clause I 6: Non-insured events)
Loss/damage
that can be traced back to the following causes are not insured:
- Neglect of
the general duty of care by the insured person
- Misplacement,
loss and abandonment
- Abandonment
or leaving behind (even for a short time) of items in a place accessible to
anyone outside the direct personal area of influence of the insured person
- Taking care
of a valuable item in a manner that is inappropriate to its value (cf. Clause J
7: Duties of conduct while travelling)
- Pearls and
precious stones falling from their settings
- Temperature
and weathering effects, and the effects of wear and tear
- The direct
or indirect effects caused by unrest, plunder, authorities and strikes
7 Duties of conduct while travelling
Valuable
items such as furs, jewellery, watches with or without precious metals,
precious stones or pearls, laptops, photographic, film, video and sound
equipment, including accessories in each case, must, if they are not being worn
or used, be kept in a locked room, not generally accessible. Even there, they
must be kept under separate lock and key (suitcase, cupboard, safe). The manner
in which the item is kept must be appropriate to its worth in each case.
8 Obligations in the event of loss/damage
(as a supplement to Clause I 4: Obligations in the event of loss/damage)
8.1 The
cause, circumstances and extent of the event must be confirmed by the insured
person immediately and in detail:
1 by the
nearest police station to the location of the event in the case of theft or
robbery;
2 by the
responsible third party or by the travel or hotel manager in the case of damage
by the transport company;
3 by the
responsible public transport company in the case of loss or delayed delivery.
8.2 If
the loss or damage during transport by a public transport company is only
discovered after delivery at home, then the facts of the case must be reported
in writing within 2 working days to the responsible transport company, and
confirmed by them.
8.3 The
level of damage must be proven by original receipts. If this is not possible,
then Mondial will be able to reduce or refuse its benefits.
8.4 The
insured event must be reported immediately in writing to Mondial. The claim
must be submitted with justifications and receipts.
8.5 Damaged
items must be kept available to Mondial until the final settlement of the
claim, and must be sent at the cost of the insured person for inspection upon
demand.
1 Scope
1.1 Insurance
cover extends beyond the agreed duration of the contract until the end of the
flight, if an insured flight departs later or lasts longer than timetabled, for
reasons that are the responsibility of the airline.
1.2 In
the case of military or terrorist events, the validity of the insurance cover
will be maintained beyond the agreed duration of the contract, for 1 year from
the time of the kidnapping, parachute jump or emergency landing. This cover
only applies with the precondition that the insured person was him-/herself
demonstrably not active nor a participant in stirring up the relevant events.
2 Sums insured
The
sums insured are given in the Overview of insurance benefits.
3 Insurance benefits
3.1 In
the event of death
The
agreed sum insured, if the insured person dies from the consequences of an
accident within 5 years after the accident. For children up to the age of 16,
the maximum compensation amounts to CHF 20,000.–.
1 Payment of
this capital sum is made to the legal heirs, unless the insured person has left
behind instructions to the contrary in writing.
2 If the
accident leads to the death of the insured person, the agreed sum will be paid
out with a deduction for any disability benefit already paid for the same
accident.
3.2 In
the event of disability
The
capital sum is calculated in accordance with the following principles, if the
insured person suffers permanent physical or psychological damage to his/her
health within 5 years of the accident, as a result of the accident.
1 The
disability capital will be calculated on the basis of the degree of disability
and the sum insured, as agreed in the insurance document. The benefits are
limited to 100% of the agreed capital. For children up to the age of 16, the
maximum compensation amounts to CHF 300,000.–.
2 The
following fixed levels of disability apply:
In the case of complete loss or complete inability to
use
- both arms or hands 100%
- both legs or feet 100%
- one arm or one hand, plus one leg or one
foot 100%
- one upper arm 70%
- one lower arm or one hand 60%
- one thumb 22%
- one index finger 15%
- one other finger 8%
- one upper leg 60%
- one lower leg 50%
- one foot 40%
- the sight in both eyes 100%
- the sight in one eye 30%
- the hearing in both ears 60%
- the hearing in one ear 15%
- the sense of smell or taste 3%
- one kidney 20%
- the prevention of employment as a result of
mental disorder 100%
3 Where the
loss or inability to use is partial, the level of disability will be reduced
accordingly.
4 If several
parts of the body or organs are affected simultaneously, the level of
disability (which can be 100% of the sum insured at the most) will be given by adding
the individual losses.
5 If cases
occur that are not listed above, the level of disability will be established by
reference to the above percentages.
6 If previous
physical defects worsen the consequences of the accident, these will not
contribute to a higher disability compensation, as if the accident had happened
to a physically intact person. If parts of the body had already been lost or
were unusable before the accident, in full or in part, the level of disability
indicated by the above principles will be deducted.
7 Compensation
will only be paid for psychological or nervous damage in so far as this can be
traced back to an organic illness of the nervous system caused by the accident.
3.3 Maximum
liability / Maximum benefit
If
the same event leads to the disability or death of several persons covered by Mondial’s
insurance, the compensation to be paid by Mondial for all the people insured by
Mondial will be limited to the maximum amount. If the claims exceed this
amount, the maximum sum of CHF 10,000,000.– will be distributed
proportionately.
4 Insured events
4.1 Accidents
Accidents caused by civilian flights, suffered by
the insured person as a legal passenger in any aircraft on the ground
(including when entering or leaving) or in the air.
4.2 Accidents
connected to military or terrorist events
1 On board
the aircraft, as long as the accident is caused by people who are also on
board, or by dangerous materials smuggled onto the aircraft
2 During
imprisonment after a hijack of the aircraft, during involuntary periods
following a parachute jump to save life, or an emergency landing, or on the
subsequent direct return journey to the place of residence of the insured
person, or onward journey to the place of destination.
4.3 Outbreak
of war
1 In which
Switzerland or one of its neighbouring countries is a participant
2 Between
only individual countries among Great Britain, CIS, USA, People’s Rpublic of
China, or between one of these countries and a European state, the insurance
cover lapses for accidents as result of war or unrest in any case 2 days after
break-out of hostilities. If, however, the deprivation of liberty, the
parachute jump or the emergency landing has already taken place, the insurance
only lapses one year after the event.
1 Insured vehicle
The insurance
extends to the vehicle hired by the insured person, up to 3,500 kg overall
weight. Vehicles of over 3,500 kg overall weight, taxis and driving school
vehicles are not covered by the insurance.
2 Scope
2.1 The
insurance is valid worldwide, with the exception of Israel and Jamaica.
2.2 The
insurance cover starts on the relevant date entered into the contract of hire
and ends with the date entered for this purpose in the contract of hire, and
with the return of the vehicle to the car hire company at the latest. The
insurance protection covers loss/damage arising within the period of the
contract.
3 Sums insured
The
sums insured are given in the Overview of insurance benefits.
4 Insurance benefits
4.1 The
insurance acts as a supplementary insurance for hired vehicles. In the event of
damage, Mondial will repay the insured person any excess charged by the hirer
(or by another insurance company).
4.2 The
level of insurance cover is set according to the level of the excess in each
case, but is limited to the maximum sum insured.
5 Insured events
5.1 The
insurance covers the excess charged as a result of damage to the hired vehicle
or theft of the hired vehicle during the period of hire. An event covered by
insurance from another source and a resulting excess is a precondition for
compensation.
5.2 If
the insured damage in accordance with Clause II L 5.1 does not amount to the
value of the excess, then Mondial will pay the damage, as long as it has
involved an insured event
6 Non-insured events (as a supplement to
Clause I 6: Non-insured events)
6.1 Damage
for which the insurance provided does not require an excess.
6.2 Damage
caused by gross negligence on the part of the driver.
6.3 If
the driver of the vehicle has caused the damage while in a state of drunkenness
(exceeding the statutory alcohol limit in the relevant country), or under the
influence of drugs or medication.
6.4 Damage
associated with a breach of contract with regard to the car hirer is not
covered.
6.5 Damage
occurring on roads that are not public or not official is not insured.
6.6 Damage
to caravans and other types of trailer is not insured.
1 Subject and scope
The
insured person is entitled to legal protection only in connection with travel
outside Switzerland and the Principality of Liechtenstein. The risk is borne by
CAP Rechtsschutz-Versicherungsgesellschaft AG, which has its headquarters in
Zurich.
2 Sums insured
The
sums insured are given in the Overview of insurance benefits.
3 Exclusively insured disputes and
proceedings
3.1 Defence
against negligence offences in criminal and administrative proceedings.
3.2 Assertion
of extracontractual third-party claims as the victim of accidents of all kinds,
as well as in assaults, theft and robbery.
3.3 Disputes
with private or public insurance schemes covering the insured person.
3.4 Contractual
disputes arising from the following contracts for the trip or concluded on the
trip:
- Hire or
lease of a vehicle approved for use on the public roads, up to 3.5 t
- Repair or
transport of such a vehicle
- Travel and
accommodation contract
- Temporary
rental of a holiday home
- Transport
of people or baggage
4 Insurance benefits
4.1 CAP
legal services benefits.
4.2 Cash
benefits to the maximum sum insured per case of loss/damage during travel in
the applicable European area and per case of loss/damage during travel outside
the applicable European area (as long as this insurance option has been
arranged) for:
- Costs of
expertise and analyses ordered by CAP, by the lawyer for the insured person or
by the court
- Court and
arbitration costs
- Compensation
of the parties
- Lawyers’
fees
- Necessary
translation costs
- Bail (only
as an advance to avoid imprisonment while under investigation)
The
intervention costs awarded to the insured person during the proceedings or in a
settlement will be deducted.
5 Settlement of a loss/damage case
5.1 The
need for legal assistance must be notified as quickly as possible to:
CAP Rechtsschutz,
Spezialgeschäft, Badenerstrasse 694, 8048 Zurich, Tel. +41 58 358 09
09, www.cap.ch, Reference: Z75.1.685.643.
5.2 The
insured person must not instruct a legal representative, instigate legal
proceedings, conclude any settlement or use any legal remedy without the
agreement of CAP – with the reservation of precautionary measures to meet a
deadline. In addition, the insured person must hand over to CAP all the
documents relating to the case of loss/damage. If the insured person does not
fulfil these requirements, CAP is entitled to refuse its benefits.
5.3 If
the presence of an independent legal representative is necessary in court or
administrative proceedings, in accordance with the applicable law of
proceedings, or if there is a conflict of interests (two people insured by CAP
are acting against each other, or an insured person is acting against a company
in the Allianz Group), the insured person has free choice of legal
representative. If CAP does not accept the proposed legal representative, the
insured person has the right to propose three other legal representatives from
various chambers, one of which CAP must accept.
5.4 In
the event of differences of opinion between the insured person and CAP with
regard to the measures used to settle the loss/damage, the insured person can demand
judgement on the matter by an arbitrator appointed jointly by the insured
person and CAP.
6 Non-insured events and benefits
6.1 If
the insured person is not in possession of a valid driving licence at the time
of the case of loss/damage, or was not authorised to drive the vehicle.
6.2 In
disputes with tax or customs officials or in proceedings against counteractions
against tax or customs directives (e.g. smuggling).
6.3 If
the insured individual intends to act against CAP, the Mondial Assistance International
AG, those acting on its behalf or people who provide services in the event of
loss/damage.
6.4 If
the case involves disputes or conflicts of interests between persons who are
insured under the same policy (this exclusion does not relate to the insured
person him-/herself).
6.5 If
the requirement for legal assistance is notified after the end of the insurance
cover.
6.6 Criminal
and administrative disposition costs.
III Special provisions relating to the
individual service benefits
1 Service benefits
The
listed Mondial Travel Hotline service benefits can be called upon by the
insured person round the clock, 365 days a year, before as well as during the
trip.
1.1 Travel
information
Mondial-Assistance
provides insured persons with important information before departure and by
request, about conditions on arrival, charges, customs, currencies and health
conditions.
1.2 Provision
of hospital and medical practitioner contacts abroad
If
necessary, Mondial-Assistance provides its insured persons with a
correspondence doctor or a hospital in the area of the trip. Where there are
problems of comprehension, Mondial-Assistance provides help with translation.
1.3 Advice
service
Mondial-Assistance
provides advice for insured persons for minor medical problems in the country
of travel. The insured person can also turn to Mondial-Assistance with
day-to-day problems in the country of travel.
1.4 Notification
service
If
the Mondial-Assistance centre has organised measures, it can also notify the
relatives and employer of the insured person about the facts of the case and
the measures undertaken, if necessary.
2 Liability
Mondial-Assistance
accepts no liability for damage to assets or health resulting from the
information given by the Travel Hotline.
3 The insured person can telephone or fax
the following numbers to use the services of the Travel Hotline:
Tel.
+41 44 202 00 00 / Fax +41 44 283 33 33
O 24-hour
medical advisory service
1 Service
provision
The
specified 24-hour medical advisory service provision can be called upon while
the insured individual is travelling, 24-hours per day and 365 days per year.
1.1 Advisory service
Mondial-Assistance will advise insured individuals
with regard to minor medical problems in their country of travel.
-
Computer-assisted triage in the
event of acute medical problems, with a recommendation on the urgency for
treatment
-
Advice on questions regarding
disease symptoms, progressions, therapies and prevention – in the widest sense
with regard to health and sickness
2 Liability
Mondial-Assistance accepts no responsibility for
loss/damage to property or restrictions on health resulting from information
given by the 24-hour medical advisory service.
3 Policyholders
can call the following number to use the services provided by the 24-hour
medical advisory service:
Tel. +41 44
202 00 00
P Credit and customer cards barring service
(KKS)
The
KKS is in operation round the clock throughout the year, and provides help for
insured persons in the event of robbery, theft, loss or misplacement of bank,
post, credit and customer cards, as well as personal ID cards.
1 Insured cards
All
credit, bank, post and customer cards issued in Switzerland in the name of the
insured person.
2 Insurance services
2.1 Following
a call from the insured person to the Mondial-Assistance centre, an attempt
will be made to bar all the specified cards via the relevant institutions (card
companies, bank, post, etc.).
2.2 If
the barring is not carried out by the relevant institution, Mondial-Assistance
will inform the insured person and advise him/her of the telephone number of
the relevant institution.
3 Insured events
Theft,
robbery (theft with the threat or use of violence) and loss of the insured
cards.
4 Liability
Mondial
does not accept liability for loss/damage caused by the failure to reach the
relevant institution, nor for loss/damage to assets as a result of the loss of
credit, bank and post cards.
5 The insured person must call or fax the
following numbers to use the credit and customer card barring services (24
hours per day / 365 days per year):
Tel. +41
44 202 00 00 / Fax +41 44 283 33 33
Q Mobile phone barring service
Based
on a call from the affected customer, Mondial-Assistance will arrange the
immediate barring of numbers provided by the customer for the relevant
provider. In the case of providers who require a password for barring, the
customer must provide Mondial-Assistance with this password in order that
barring can be undertaken.
1 Insured mobile phone
All
mobile phones registered with a Swiss network provider (Swisscom, Sunrise,
etc.).
2 Insured benefits
In
the event that a mobile telephone is lost, the insured person can call Mondial-Assistance
to arrange for the mobile phone to be barred immediately.
3 Insured events
3.1 Theft
3.2 Robbery
(theft with the threat or use of violence)
3.3 Loss.
4 Liability
Mondial-Assistance
accepts no liability for loss/damage caused by the inability to reach the
relevant provider, nor for loss of assets resulting from the loss of the mobile
phone.
5 The
insured person must call or fax the following numbers to use the mobile phone
barring service (24 hours per day / 365 days per year):
Tel. +41 44 202 00 00 / Fax +41 44
283 33 33
1 Service benefits
If
an emergency situation arises during the trip as a result of fire, damage by
the elements, burglary or damage by water or breakage of glass at the insured
person’s permanent place of residence in
2 Costs
The
costs of the emergency repair of the damage will be borne by the customer, who
will be invoiced directly by the engaged workman.
3 Liability
Mondial-Assistance
accepts no liability for loss/damage caused by the inability to reach the
relevant workman, nor for loss/damage or consequential loss/damage arising
during and after the work carried out by the workman.
4 In order to use the Home Care services,
the insured person must call or fax the following numbers (24 hours per day /
365 days per year):
Tel. +41 44 202 00 00 / Fax +41 44 283 33 33
1 Service provisions
The Callyandi
services listed here can be claimed around the hour by the insured individuals
during the duration of trip covered by the insurance policy, subject to
sufficient call credit.
1.1 Telephone
interpreting service
1.1.1 The
Callyandi telephone interpreting service is available free of charge to the
insured person during the period of travel covered by the insurance
- for a
maximum total of 12 minutes (corresponding to 12 minutes’ Callyandi call
credit) in the case of short-term insurance policies
The aim
of this service is to provide help in the event of difficulties of
communication in foreign languages - subject to Clause 1.1.3 - such as when
ordering in a restaurant, making a journey by taxi, asking for travelling
directions, communicating with business partners, booking a hotel by telephone
and many other situations in which someone who can speak the language of the
insured person can solve a problem on their behalf.
1.1.2 The
Callyandi telephone interpreting service offers the following languages: from
German to Spanish, French and English. Additional languages will be introduced
during the course of 2009.
1.1.3 The
Callyandi telephone interpreting service explicitly excludes emergency
situations in which legally-protected interests (life and limb, property,
personal liberty, etc.) of the insured person or of third parties are at risk.
In addition, the Callyandi GmbH General Terms and Conditions of Business also
apply.
2 Liability
Neither
Mondial nor Callyandi accept any liability for loss/damage or consequential
loss/damage resulting form the work of the Callyandi telephone interpreting
service. This applies expressly and in particular to any improper use of the
interpreting services for emergency situations within the meaning of Clause
1.1.3.
3 Additional call minutes subject to
charge
3.1 Any use
of the Callyandi telephone interpreting service beyond the call credit
allowance according to Clause 1.1.1 is subject to charge.
3.2 If
an insured person calls upon the Callyandi telephone interpreting service
beyond the free-of-charge 12-minute call credit allowance (Clause 1.1.1), this
will result in a binding contract between that person and Callyandi GmbH, on
the basis of which the affected person will be liable to Callyandi GmbH for the
additional call minutes. The price per additional minute is CHF 3.90 (including
MwSt. [VAT]). In addition, the Callyandi GmbH General Terms and Conditions of
Business will also apply; these can be accessed/obtained from
www.callyandi.com/bedingungen.
4 To
use the Callyandi telephone interpreting service, the insured person should
call the following number:
Tel. +41 44 202 00 00