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| The American
Express Platinum Credit Card |
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PREMIUM PLATINUM GLOBAL ASSISTANCE |
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| 1- GENERAL |
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1.1 GUIDELINES
To comply with the terms and conditions and in order to receive benefits under the present group policy
The Platinum Credit Cardmember must contact the assistance service provider appointed by the insurer
as soon as a claim or potential claim arises. In any event, The Platinum Credit Cardmember must
contact the assistance service provider before incurring expenses over US$250 or as soon as physically
possible, in order to obtain prior authorisation by the assistance service provider:
1.2 SPECIFIC APPLICATION
American Express Limited Network Card Issuer:
Amex (Saudi Arabia) Limited, a company incorporated and organized under the laws of the Kingdom of
Saudi Arabia and having its registered office at P O Box 6624, Riyadh, 11452, Saudi Arabia.
In an emergency, The Platinum Credit Cardmember should call: (+44) 1737 815 143, giving the Platinum
Credit Cardmember’s name, Card number and as much information as possible.
Please give the ASSISTANCE SERVICE PROVIDER a telephone, fax or telex number where the
Cardmember can be contacted.
All emergency services are open 24 hours a day, 365 days a year.
The ASSISTANCE SERVICE PROVIDER for this Specific Application:
AXA ASSISTANCE GMBH, Garmischer Str. 8-10, 80339 Munich, Germany
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| 2- DEFINITIONS |
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2.1 THE INSURER
Benefits 1 - 10 are underwritten by:
Inter Partner Assistance S.A., German Branch, Garmischer Str. 8-10, 80339 Munich, Germany
2.2 THE POLICYHOLDER:
AMERICAN EXPRESS TRAVEL RELATED SERVICES, a corporation incorporated and validly existing under
the laws of the State of Delaware, having its principal office at the World Financial Center, New York,
N.Y. 10285, U.S.A.
2.3 THE PROGRAMME ADMINISTRATOR AND ASSISTANCE SERVICE PROVIDER:
AXA ASSISTANCE GMBH, Garmischer Str. 8-10, 80339 Munich, Germany
2.4 THE BENEFICIARY
The Beneficiary of this Group Policy issued to American Express Limited are worldwide American
Express Limited Network CARD Issuers (THE ISSUER).
The Benefits are extended free of charge to:
- the account holder of The Platinum Credit Card issued by [THE ISSUER] (the Cardmember) in the
COUNTRY OF DEPARTURE;
- his/her dependent spouse and children under 19 years of age in full-time education, living at HOME;
The Cardmember and dependents must have their permanent residence in the COUNTRY OF
DEPARTURE and all must be no more than 80 years of age, in a good state of health and fit to travel.
Coverage for dependents applies only if they are travelling with the Cardmember.
The Cardmember is covered during an unlimited number of private or business TRIPS commencing and
ending in the COUNTRY OF DEPARTURE world-wide, with the exception of the COUNTRY OF
DEPARTURE, of maximum 91 consecutive days.
Specific Definitions with respect to certain Benefits may apply.
2.5 MEANING OF WORDS APPLYING TO THE WHOLE POLICY
2.5.1 BUSINESS ASSOCIATE
means a business partner, director or the Cardmembers employee who
has a close working relationship with the Cardmember, as certified by a Director or Manager.
2.5.2 CLOSE RELATIVE:
Spouse, mother, father, mother-in-law, father-in-law, daughter, son, (including
legally adopted daughter or son, step-daughter or son), daughter-in-law, son-in-law, brother,
sister of the Cardmember.
2.5.3 COUNTRY OF DEPARTURE:
Country in which the Card is issued in.
2.5.4 FAMILY:
The Cardmember, his/her spouse, the natural, foster or adopted child/children or legal
ward of the Cardmember, each child being under 19 years of age in full-time education and
living at HOME at the time the period of validity of the Card.
2.5.5 GEOGRAPHICAL LIMITS: The Cardmember is covered world-wide with the exception of the
COUNTRY OF DEPARTURE.
Please note the following:
If the Cardmember is undertaking a holiday on a cruise ship, all appropriate benefits will apply when
the Cardmember is on board the cruise ship and whilst the Cardmember is embarking or disembarking.
The INSURER will not pay for the costs of air-sea rescue or emergency transfer ship to shore.
2.5.6 HOME:
The Cardmember‘s principal place of residence in the COUNTRY OF DEPARTURE.
2.5.7 MANUAL WORK:
Work involving hands-on involvement with the installation, assembly,
maintenance or repair of electrical, mechanical or hydraulic plant, (other than in a purely
managerial/ supervisory, sales or administrative capacity), or the undertaking of any trade of
plumber, electrician, lighting or sound technician, carpenter, painter/decorator or builder, or
manual labour of any kind (other than in the catering industry).
2.5.8 MEDICAL EMERGENCY:
A bodily injury sustained, or sudden and unforeseen illness suffered,
by the Cardmember whilst on a TRIP which results in immediate in-patient or out-patient
TREATMENT being deemed necessary by a licensed medical practitioner.
2.5.9 POLICY EXCESS:
The first US$ 100 per Cardmember and/or dependent per each and every
occurrence of out-patient treatment.
2.5.10 PRE-EXISTING MEDICAL CONDITION:
Any medical or mental condition existing prior to a
TRIP and/ or causing the Cardmember and/or dependent pain or physical distress or severely
restricting his or her normal mobility, and including (but not limited to):
- a condition for which the Cardmember is on a waiting list for hospital in-patient TREATMENT;
- a condition referred to a medical specialist or the cause of in-patient TREATMENT within the
six months prior to the TRIP;
- any mental condition including fear of flying or other travel phobia;
- a condition for which a terminal prognosis has been provided by a medical practitioner.
2.5.11 STRIKE OR INDUSTRIAL ACTION:
Any form of industrial action, whether organised by a trade
union committee or not, which is carried on with the intention of preventing, restricting or
otherwise interfering with the production of goods or the provision of services.
2.5.12 TREATMENT:
Surgical or medical procedures, the sole purpose of which is the cure or relief of
acute illness or injury.
2.5.13 TRIP:
The Cardmember is covered during an unlimited number of private or business TRIPS
commencing and ending in the COUNTRY OF DEPARTURE world-wide, of maximum 91
consecutive days; the cover is, however, limited to a total of 183 days spent outside the
COUNTRY OF DEPARTURE in any 12 month period.
Please note the following:
The Cardmember will be covered when undertaking Winter Sports, on condition that the total
time the Cardmember spends engaged in these activities does not exceed a maximum of 17
days in total per annual period of insurance.
2.5.14 WINTER SPORTS:
On- and off-piste skiing, on- and off-piste snowboarding, tobogganing,
glacier skiing, outdoor ice skating on recognised public rinks.
The Cardmember is covered when taking part in WINTER SPORTS, as defined above, on
condition that the total time the Cardmember spends engaged in these activities does not
exceed a maximum of 17 days in total per annual period of insurance.
The Cardmember is not covered when engaging in bobsleigh, heli skiing, ice hockey, luge,
paraskiing, skeleton, ski jumping, ski racing or ski stunting.
Special Conditions applying Off-Piste
The INSURER expects the Cardmember to comply with the following guidelines:
- The Cardmember must observe the rules of the resort or area. If in doubt, the Cardmember
should follow the advice of local authorised guides or instructors.
- Where off-piste is only allowed in the company of a guide, the guide’s advice should be
strictly followed.
- Inexperienced skiers or snowboarders should not go off-piste except under the supervision of
an authorised guide.
- As a general rule, the Cardmember should exercise common sense and follow sensible local
practices.
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| 3. BENEFITS |
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3.1 ASSISTANCE SERVICES
The Cardmember is entitled to obtain:
3.1.1 MEDICAL EMERGENCY ASSISTANCE
3.1.1.1 REFERRALS TO MEDICAL SERVICES:
Physicians, hospitals, clinics, ambulances, private duty nurses, dentists, dental clinics, services
for the disabled, opticians, ophthalmologists, pharmacies, suppliers of contact lenses and
medical aid equipment.
3.1.1.2 DISPATCH OF A DOCTOR ON THE SPOT:
If the Cardmember’s condition or the circumstances require it, AXA ASSISTANCE will send a
doctor to the Cardmember in order to assess the medical condition; (the cost of health
treatment and any doctor’s fees shall be borne by the Cardmember unless covered under a
benefit of this Group Policy).
3.1.1.3 HOSPITAL ADMISSION:
AXA ASSISTANCE will organise the subsequent admission into an appropriate hospital and, if
requested, guarantee the medical expenses (to be charged to Cardmember’s account and
subject to authorisation by the ISSUER, unless covered under a benefit of this Group Policy).
3.1.1.4 DISPATCH OF NECESSARY MEDICINES WHICH CANNOT BE FOUND LOCALLY:
If the Cardmember’s condition or the circumstances require it, and if legally possible, AXA
ASSISTANCE will despatch the medicine to the Cardmember’s location. The cost of the
medicine shall be borne by the Cardmember. The cost of shipment shall be borne by
AXA ASSISTANCE.
3.1.1.5 REPLACEMENT OF BROKEN, LOST OR STOLEN GLASSES OR CONTACT LENSES:
If the Cardmember’s condition or the circumstances require it, AXA ASSISTANCE will despatch
replacement lenses or glasses to the Cardmember’s location. The cost of the actual lenses or
glasses shall be borne by the Cardmember. The cost of shipment shall be borne by
AXA ASSISTANCE.
3.1.1.6 TRANSFER OF LOST OR FORGOTTEN PRESCRIPTIONS
When possible by law, AXA ASSISTANCE shall endeavour to facilitate the transfer of a
prescription from a Cardmember’s home pharmacy to a local pharmacy. The cost of the
medication and any prescription charges shall be borne by the Cardmember.
3.1.2 LEGAL ASSISTANCE
3.1.2.1 LAWYER REFERRALS
If the Cardmember is jailed (or threatened to be jailed) AXA ASSISTANCE shall appoint and
advance the fees of a lawyer up to US$ 1,000 (to be charged to Cardmembers’ account and
subject to authorisation by the ISSUER).
3.1.2.2 ADVANCE PAYMENT FOR BAIL BOND
If the beneficiary is jailed (or threatened to be), AXA ASSISTANCE shall advance the bail bond
up to US$ 10,000 (to be charged to Cardmembers’ account and subject to authorisation by
the ISSUER).
3.1.2.3 DISPATCH OF AN INTERPRETER
In case of imprisonment or hospitalisation and circumstances demand the services of an
interpreter, AXA ASSISTANCE shall make the necessary arrangements. (to be charged to the
Cardmember’s account and subject to authorisation by the ISSUER).
3.1.3 PERSONAL ASSISTANCE
3.1.3.1 AXA ASSISTANCE WILL ENDEAVOUR TO PROVIDE:
- Information for preparing a journey
- Information on visas, passports
- Information on inoculation requirements for foreign travel
- Information on customs and duty regulations
- Information on foreign exchange rates and value added taxes
- Referrals to American Express Travel Service Offices World-wide
- Referrals to Embassies or Consulates
- Referrals to Interpreters
3.1.4 TRAVEL ORIENTED EMERGENCY ASSISTANCE
3.1.4.1 CASH ADVANCES
In the event of lost or stolen cash, travellers cheques, credit and charge cards or in the event
that there are no American Express Travel Service Offices or automatic teller machines (ATMs’)
available at the Cardmember’s location, AXA ASSISTANCE shall advance cash to the
Cardmember up to US$ 1,000 (to be charged to Cardmember’s account and subject to
authorisation by the ISSUER).
3.1.4.2 URGENT MESSAGE RELAY
Transmission of urgent messages from the Cardmember to relatives, business associates,
friends residing in his/her country of residence and vice versa.
3.1.4.3 LUGGAGE ASSISTANCE
AXA ASSISTANCE will provide assistance in locating lost luggage and shall provide to the
Cardmember regular updates on the location status.
3.1.4.4 ASSISTANCE FOR RETURN TRIP
In case of loss or theft of the American Express Card or identity papers necessary to return
home, AXA ASSISTANCE will provide assistance in replacing them. In the event of loss or theft
of the transportation ticket to return home, a replacement transportation ticket shall be provided
for an amount up to US$ 1,000. (to be charged to Cardmember’s account and subject to
authorisation by the ISSUER)
3.2 ASSISTANCE BENEFITS
3.2.1 MEDICAL BENEFITS
Cover under section 3.2. - depends on the Cardmember and/or dependent being in a good state
of health and fit to undertake the TRIP immediately prior to their departure on the TRIP, as it
may be stated in a letter from the Cardmember’s and/or dependant’s family physician.
3.2.1.1 BENEFIT 1: MEDICAL EXPENSES
The INSURER will pay the following costs for each Cardmember and/or dependent who sustains
bodily injury or suffers illness or dies whilst on a TRIP:
- Up to US$ 150,000 for Inpatient Treatment i.e. reasonable medical expenses necessarily
incurred for the immediate needs of a MEDICAL EMERGENCY. Included are doctor’s fees,
hospital expenses, medical TREATMENT and medical transportation charges for conveyance
of the Cardmember to the nearest suitable hospital abroad.
- Up to US$ 20,000 (with POLICY EXCESS of US$ 100) for Outpatient Treatment i.e. reasonable
medical expenses for doctors fees incurred for the immediate needs of a MEDICAL EMERGENCY.
3.2.1.2 BENEFIT 2: DENTAL TREATMENT
Costs of providing emergency dental TREATMENT up to US$ 250 for the immediate relief of
pain; and/or emergency repairs to dentures or artificial teeth carried out solely to alleviate
distress in eating.
3.2.2 BENEFIT 3: REPATRIATION EVACUATION
Additional travelling costs incurred in repatriating the Cardmember to the COUNTRY OF
DEPARTURE when recommended by AXA ASSISTANCE’s Senior Medical Officer. The INSURER
will pay for the cost of a medical escort if considered necessary. Also the INSURER will pay the
additional travelling and reasonable accommodation costs incurred in returning to the
Cardmember’s HOME address the Cardmember’s spouse or common law or same sex partner
and/or the Cardmember’s children) accompanying the Cardmember on the TRIP and subject to
being covered under this Group Policy.
3.2.3 BENEFIT 4: REPATRIATION OF REMAINS
Transportation costs of returning the Cardmember’s body to the HOME in the COUNTRY OF
DEPARTURE.
OR ALTERNATIVELY
Cremation of a Cardmember abroad and transportation costs of returning the ashes to the
HOME in the COUNTRY OF DEPARTURE
OR ALTERNATIVELY
Burial of a deceased Cardmember abroad (costs payable up to US$ 3,000).
3.2.4 BENEFIT 5: ADDITIONAL COST FOR ACCOMMODATION
In the event of a valid claim under Benefit 3 AXA ASSISTANCE will pay costs up to an overall
limit of US$ 100 per day for up to 5 days for the following:
Additional accommodation arranged by AXA ASSISTANCE for one person required on medical
advice to stay at a hotel prior to his/her return to the COUNTRY OF DEPARTURE.
What is not covered:
- accommodation costs other than the cost of the room.
- anything mentioned in 4.2 General Exclusions.
3.2.5 BENEFIT 6: ADDITIONAL TRAVEL EXPENSES
In the event of repatriation of the Cardmember and/or his/her dependents, AXA ASSISTANCE
will pay additional travel expenses arranged by AXA ASSISTANCE for the other person covered
under the Group Policy to return to the COUNTRY OF DEPARTURE, provided that the original
travel ticket cannot be used.
What is not covered:
Anything mentioned in 4.2 General Exclusions.
3.2.6 BENEFIT 7: VISIT OF A CLOSE RELATIVE
In the event of in-patient treatment of the Cardmember and/or his/her dependents for more than 7
consecutive days, the INSURER will pay for the cost of a round trip ticket for a CLOSE RELATIVE,
living in the COUNTRY OF DEPARTURE, to enable him/her to visit the hospitalised person at the
overseas location.
3.2.7 BENEFIT 8: RETURN HOME OF CHILDREN
Additional travelling costs incurred in returning each dependent, being a child under 15 years of
age, to the HOME address in the COUNTRY OF DEPARTURE if incapacity of the responsible
Cardmember leaves such child unsupervised. A competent person will be provided to
accompany the child HOME.
What is not covered:
Any air travel costs in excess of a one-way economy/tourist class ticket for each child to be
repatriated.
3.2.8 BENEFIT 9: MEDICAL ASSISTANCE TO CHILDREN AT HOME
In the event of sickness or injury of the Cardmember’s child being less than 15 years of age and
left at home while the Cardmembers is travelling outside the COUNTRY OF DEPARTURE, AXA
ASSISTANCE shall monitor the child medical condition and keep the Cardmember informed.
Any subsequent need for transportation and hospitalisation of the child shall be organised by
AXA ASSISTANCE and charged to the Cardmembers’ account and subject to authorisation by
the ISSUER. Subsequent need for the Cardmember to return to the COUNTRY OF DEPARTURE
will be covered under Benefit: 3.3.1
What is not covered:
Any cost for treatment or transportation in the COUNTRY OF DEPARTURE.
Specific Exclusions applying to all benefits defined in section 3.2
What is not covered:
- costs in excess of US$ 250 which have not been authorised by AXA ASSISTANCE in
advance (when the Cardmember has not been physically prevented through the
Cardmember’s medical condition from contacting the Assistance Service Provider).
- PRE-EXISTING MEDICAL CONDITIONS.
- pre-planned or pre-known medical TREATMENT abroad or travel undertaken solely for such purpose.
- TREATMENT for cosmetic purposes.
- any costs relating to pregnancy within eight weeks of the estimated date of delivery.
- TREATMENT which, in the opinion of the medical practitioner or dentist treating the
Cardmember, can reasonably be delayed until the Cardmember’s return to the COUNTRY OF
DEPARTURE.
- any costs incurred outside the COUNTRY OF DEPARTURE, after the date when the
Cardmember’s repatriation is both medically feasible and logistically practicable in the
opinion of AXA ASSISTANCE’s Senior Medical Officer, in excess of those which would be
incurred in repatriating the Cardmember at that date.
- any costs incurred in the COUNTRY OF DEPARTURE other than in connection with the
Cardmember’s transportation or remains to HOME from abroad.
- any costs where the transportation has not been arranged by the INSURER.
- dental TREATMENT involving the supply of dentures or artificial teeth or the use of precious
metals.
- any costs incurred when the Cardmember is engaging in the following WINTER SPORTS:
bobsleigh, heli skiing, ice hockey, luge, paraskiing, skeleton, ski jumping, ski racing, ski
stunting.
- air sea rescue costs.
- anything mentioned in 4.2 General Exclusions.
3.3 PERSONAL ASSISTANCE BENEFITS
3.3.1 BENEFIT 10: EMERGENCY RETURN HOME
AXA ASSISTANCE will pay all necessary additional travelling costs incurred in transporting the
Cardmember HOME early from a TRIP (and, if required, back to the overseas location within the
original period of the booked TRIP) as a result of the following:
- The sudden and unforeseen death or imminent demise, or the sudden and unforeseen
hospitalisation due to serious accident or illness, of a CLOSE RELATIVE or BUSINESS
ASSOCIATE in the COUNTRY OF DEPARTURE during the period of a TRIP which requires the
Cardmember’s immediate return.
- Accidental damage to, or burglary, flooding or fire affecting the Cardmember’s HOME or
usual place of business in the COUNTRY OF DEPARTURE when a loss in excess of US$
2,000 is involved or when the Cardmember’s presence is required by the Police in
connection with such events.
What is not covered:
- Any illness, or death or imminent demise of a CLOSE RELATIVE due to a PRE-EXISTING
MEDICAL CONDITION.
- any costs when the transportation has not been arranged by AXA ASSISTANCE.
- any air travel costs in excess of an economy/tourist class ticket for each Cardmember.
- anything mentioned in 4.2 General Exclusions.
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| 4. GENERAL TERMS APPLYING TO ALL PARTS OF THIS GROUP POLICY |
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4.1 GENERAL CONDITIONS
| 4.1.1 |
The Cardmember must exercise reasonable care for the supervision and safety of the
Cardmember’s property. |
| 4.1.2 |
The Cardmember must take all reasonable steps to avoid or minimise any claim. |
| 4.1.3 |
The Cardmember must avoid needless exposure to peril except in an attempt to save human life. |
| 4.1.4 |
The INSURER will make every effort to apply the full range of services in all circumstances
dictated by the terms and conditions. Remote geographical locations or unforeseeable
adverse local conditions may preclude the normal standard of service being provided but in
all cases where such difficulties pertain, the full monetary benefits of the insurance cover
will apply. |
| 4.1.5 |
The Cardmember must comply with all the terms and conditions of this Group Policy before
a claim will be paid. The Cardmember must make no admission, offer, promise or payment
without AXA ASSISTANCE prior consent. |
| 4.1.6 |
In the event of an emergency or of any occurrence which may give rise to a claim for costs
exceeding or likely to exceed US$ 250 under this Group Policy, the Cardmember must
contact AXA ASSISTANCE immediately when the Cardmember is able to do so and before
the Cardmember authorise any costs and expenses. |
| 4.1.7 |
The INSURER is entitled to take over the Cardmember’s rights in the defence or settlement
of a claim or to take proceedings for its own benefit against another party and shall have
full discretion in such matters. The INSURER may, at any time, pay to the Cardmember its
full liability under this GroupPolicy after which no further liability shall attach to the
INSURER in any respect or as a consequence of such action. |
| 4.1.8 |
If the Cardmember is repatriated, he/she must give the INSURER the benefit of any unused
travel tickets which would otherwise have been utilised by the Cardmember. |
| 4.1.9 |
The Cardmember must give the INSURER written notice of any event which may lead to a
claim, within 28 days of the Cardmember’s return HOME to the COUNTRY OF DEPARTURE.
As often as the INSURER requires the Cardmember shall submit to medical examination at
the INSURER’s expense. In the event of the death of the Cardmember the INSURER shall be
entitled to have a post mortem examination carried out at the INSURER’s expense. The
Cardmember must supply the INSURER with a written statement substantiating the
Cardmember’s claim, together with (at the Cardmember’s own expense) all certificates,
information, evidence and receipts that the INSURER requires. |
| 4.1.10 |
If any fraudulent claim is made or if any fraudulent means or devices are used to obtain any
benefit under the insurance, this Group Policy shall become void and the premium paid shall
be forfeited. Any benefits so claimed and received by the Cardmember or BENEFICIARY
must be repaid to the INSURER. |
| 4.1.11 |
If any dispute arises as to Group Policy interpretation or as to any rights or obligations under
the Group Policy, the INSURER shall offer the Cardmember the option of resolving this by
using the Arbitration procedure the INSURER has arranged. Please see the details shown in
6 Complaints Procedure. Using this Service will not effect the Cardmember’s legal rights. |
| 4.1.12 |
The Cardmember will be required to reimburse to the INSURER, within one month of the
INSURER’s request to the Cardmember, any costs or expenses the INSURER has paid out on
the Cardmember’s behalf which are not covered under the terms of this insurance. |
| 4.1.13 |
The POLICY EXCESS, as and when applicable, will be deducted in respect of each and every
separately identifiable occurrence of loss, whether notified to the INSURER as one claim or
otherwise. |
| 4.1.14 |
All benefits and services insured under this Group Policy will be provided subject to the
laws of the country where the incident giving rise to the claim occurs. |
| 4.1.15 |
When engaging in any sport or holiday activity (not excluded under the General Exclusions),
the Cardmember must accept and follow the supervision and tuition of experts qualified in
the pursuit or activity in question and the Cardmember must use all appropriate precautions,
equipment and eye protection. |
| 4.1.16 |
The following sports and activities are not covered: American football; boxing; bungee
jumping; flying (other than as a fare-paying passenger in a licensed passenger-carrying
aircraft); go karting; hang gliding; hot air ballooning; martial arts; micro lighting; mountain
biking; mountaineering; motor rallies; parachuting; paragliding; piloting an aircraft; polo;
potholing; rock climbing; rugby; tour operator safari, using guns; white water canoeing;
yachting more than 20 nautical miles from the nearest coastline; the following WINTER
SPORTS activities: bobsleigh, heli skiing, ice hockey, luge, paraskiing, skeleton, ski jumping,
ski racing, ski stunting. |
| 4.1.17 |
The following sports and activities will only be covered if the Cardmember undertake these
sports and activities as only incidental to the main purpose of the Cardmember’s TRIP:
jetskiing; parascending; scuba diving below 30 metres; white water rafting. |
| 4.1.18 |
Although the INSURER is prepared to cover the Cardmember when undertaking certain
sports and activities, the availability of the insurance cover does not, in itself, imply that the
INSURER or the issuer consider such sports and activities as safe. At all times the Cardmember
must satisfy the condition that the Cardmember is capable of safely undertaking the planned
sport or activity, and the Cardmember must take all due care to avoid injury, accident or loss to
yourself and to others. |
4.2 GENERAL EXCLUSIONS
No Benefit of this Group Policy shall apply in respect of:
| 4.2.1 |
Expense which at the time of happening is insured by, or would, but for the existence of this
Group Policy, be insured by any other existing certificate, policy or any organisation’s
service. If the Cardmember has any other policy in force which may cover the event for
which the Cardmember is claiming, the Cardmember must tell the INSURER. |
| 4.2.2 |
Costs which would have been payable if the event being the subject of a claim had not
occurred. |
| 4.2.3 |
Any wilful act of the Cardmember. |
| 4.2.4 |
Needless self-exposure to peril except in an endeavour to save human life. |
| 4.2.5 |
The Cardmember’s suicide, insanity, intentional self-injury, alcoholism, drug addiction or
solvent abuse or the Cardmember being under the influence of alcohol or drug. |
| 4.2.6 |
Sexually transmitted diseases. |
| 4.2.7 |
Any injury, illness, death, loss, expense or other liability attributable to HIV (Human
Immunodeficiency Virus) and/or any HIV related illness including AIDS and/or any mutant
derivatives or variations thereof however caused. |
| 4.2.8 |
The Cardmember engaging in MANUAL WORK in conjunction with any profession, business
or trade during the TRIP. |
| 4.2.9 |
The Cardmember engaging in or practising for the following sports and activities: hunting;
professional sports; horse jumping; hunting on horseback; steeplechasing; solo mountain
climbing; any form of motor racing, speed, performance or endurance tests; solo caving;
cave diving. |
| 4.2.10 |
Loss, damage, death, injury, illness, disablement or expense caused by: war; invasion; act of
foreign enemy; hostilities (whether war be declared or not); terrorist activity; civil war;
rebellion; revolution; insurrection; military or usurped power; the Cardmember taking part in
civil commotion or riot of any kind; the Cardmember fighting (except in self-defence) |
| 4.2.11 |
Loss or destruction or damage or any expense whatsoever resulting from: ionising
radiations or contamination by radioactivity from any nuclear waste from the combustion of
nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any
explosive nuclear assembly or nuclear component thereof. |
| 4.2.12 |
Consequential loss of any kind arising from the provision of, or any delay in providing, the
services to which this Group Policy relates, unless negligence on the INSURER’s part can be
demonstrated. |
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| 5. MAKING A CLAIM |
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The Cardmember must check the Terms and Conditions of Insurance and the appropriate Section of this
Group Policy to make sure that what he/ she is claiming for is covered.
Phone the Claims Helpline to obtain a claim form, giving the Cardmember’s name and Card Number, and
brief details of the Cardmember’s claim.
All claims must be submitted within 28 days of the Cardmember’s return HOME from a TRIP, on a Group
Policy claim form, accompanied by original invoices, receipts, reports, etc.
Please refer to the relevant Section of this Group Policy for specific conditions and details of the supporting
evidence that the INSURER require.
Please remember that it is always advisable to retain copies of all documents when submitting the
Cardmember’s claim form.
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| 6. COMPLAINTS PROCEDURE |
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The INSURER aims to provide a first class service at all times. However, if the Cardmember has any
complaint regarding the standard of service the Cardmember has received under the American Express Group
Travel Assistance Policy, the following procedure is available to the Cardmember to resolve the situation:
Please write to the Relationship Manager for American Express at AXA Assistance, c/o AXA Assistance
Germany, Garmischerstr. 8-10, 803339 Munich, Germany
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