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| The American Express Platinum Credit Card |
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Travel Accident Insurance Certificate
Amex (Saudi Arabia) Limited, Policy Number 51UK428554
Underwritten by the Bahrain National Insurance Company (BNIC) herein called the ‘Company’
This document provides details of insurance cover arranged by American Express Global Network Services
for and on behalf of Amex (Saudi Arabia) Limited.
It is hereby certified that the holder of this certificate, as an American Express U.S. Dollar or Saudi Riyal
billed Cardmember is insured against loss in the amount of US $1,000,000 - subject to the Exclusions,
Provisions and other Terms of the Policy described herein.
The Company, having issued Master Policy Number PDAT/03/14054 to Amex (Saudi Arabia) Limited, hereby
certifies that the following persons are eligible for cover under the Master Policy:
- The American Express US Dollars or Saudi Riyals billed Cardmember who has The Platinum Credit Card
(Basic or Additional) issued by Amex (Saudi Arabia) Limited and is the recipient of the certificate
(herein called the Cardmember).
- The Cardmember’s legally married spouses, and
- The Cardmember’s dependent children under the age of 23, which means and includes legally
dependent child, step child or legally adopted child of any eligible person described in 1 above.
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| COVER |
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Each eligible person shall be an Insured Person while taking a trip on a public conveyance operated under a
license for the transportation of passengers for hire including taxis, fare for which has been charged to The
Platinum Credit Card account in the manner detailed herein.
Benefits specified below will be paid while the Master Policy is in force and the Insured Person suffers loss
resulting directly and independently of all other causes from accidental bodily injury (‘such injury’) received
during a one-way or round trip taken by the Insured Person between the Point of Departure and Destination
(both as designated in the Insured Person’s ticket) on or after the date ticket purchased, provided however,
such injury is sustained under the circumstances specified in 1 or 2 as follows:
- Such injury received while riding as a passenger and not as a pilot or crew member, in or boarding or
alighting from or being struck by any air, land or water conveyance operated under a license for the
transportation of passengers for hire; provided the fare for transportation on such public conveyance
has been charged to The Platinum Credit Card.
- Such injury received while riding as a passenger in a conveyance operated under a license for the
transportation of passengers for hire including taxis or rental cars (whether charged to the Card or not)
but only
- When going directly to an airport for the purpose of boarding an aircraft on which the Insured
Person is covered by the Policy; or
- When leaving an airport after alighting from such an aircraft.
- A Common Carrier Benefit is payable if the Insured Person sustains injury as a result of:
- An accident which occurs while riding solely as a passenger in or boarding or alighting from a
Common Carrier Conveyance for a Covered Trip; or
- Being struck by such Common Carrier Conveyance.
“Common Carrier Conveyance” means an air, land or water vehicle (other than a rental vehicle)
operated by a common carrier licensed to carry passengers for hire (including taxis).
- A trip is a “Covered Trip” if:
- It is a trip taken by an Insured Person between Point of Departure and the Final Destination as
shown on the Insured Person’s ticket; and
- the Insured Person’s entire fare for such trip has been charged to a Platinum Cerdit Card prior to any
injury.
- Airport Transportation Benefit: If a Scheduled Airline ticket is purchased for a Covered Trip prior to the
Insured Person’s departure for the airport, this Benefit is payable if the Insured Person sustains any
injury while riding as a passenger in a land Common Carrier Conveyance rental car or a scheduled
helicopter operated as a Common Carrier Conveyance, but only:
- When going directly to an airport for the purpose of boarding an aircraft for a Covered Trip; or
- When leaving directly from an airport after alighting from an aircraft from a Covered Trip
“Scheduled Airline” means a flight in an aircraft where the airline is listed in the Official Airline Guide
or ABC World Airways Guide where the air carrier holds a certificate, license or similar authorisations
for Scheduled air transportation issued by the relevant authorities in the Country in which the aircraft is
registered, in accordance with such authorisation, maintains and publishes schedules and tariffs for
passenger service between named airports at regular and specific times.
- Airport Premises Benefit: If a Scheduled Airline ticket is purchased for a Covered Trip prior to boarding,
this Benefit is payable if the Insured Person sustains any injury while upon any airport premises
designated for passenger use, but only when the Insured Person is upon such premises immediately
before boarding, or immediately after alighting from, an aircraft from a Covered Trip.
- Coverage Requirements: An Insured Person will be fully insured for benefits under the Policy while taking
a trip on a Common Carrier Conveyance only when the entire fare is charged to The Platinum Credit Card.
- On-Board Ticketing: In the event that the Insured Person suffering a Loss on board a Scheduled Airline
flight for which the Airline sells ticket on board the flight and the Insured Person has not purchased his
or her ticket by charging the ticket to The Platinum Credit Card prior to boarding the flight, then the
Company will evaluate and pay such loss where it can establish that no other form of payment was
used for the flight in question.
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| SCHEDULE OF BENEFITS |
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When such injury to an Insured Person results in any of the following losses within 100 days after the date
of the accident, the Company will pay for:
| Loss of Life |
$1,000,000 |
| Loss of both hands or both feet $ |
$1,000,000 |
| Loss of one hand and one foot |
$1,000,000 |
| Loss of the entire sight of both eyes |
$1,000,000 |
| Loss of the entire sight of one eye and the loss of one hand or one foot |
$1,000,000 |
| Loss of one hand or one foot |
$500,000 |
| Loss of the entire sight of one eye |
$500,000 |
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“Loss” as above used with reference to hand or foot means complete severance through or above the
wrists or ankle joint and as used with reference to an eye means the irrevocable loss of the entire sight
thereof. Indemnity provided hereunder will not be paid under any circumstances for more than one of the
losses, the greatest, sustained by an Insured Person as the result of any one accident.
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| EXPOSURE AND DISAPPEARANCE |
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If the Insured Person is unavoidably exposed to the elements because of an accident on a Covered Trip which
results in disappearance, sinking or wrecking of a Common Carrier Conveyance, and as a result of such
exposure, the Insured Person suffers a loss for which benefits are otherwise payable under the Policy, such
loss will be covered under the Policy.
If the Insured Person disappears because of an accident on a Covered Trip which results in the disappearance,
sinking, wrecking of a Common Carrier Conveyance, and if the Insured Person’s body has not been found
within the 52 weeks after the date of such accident, it will be presumed, subject to there being no evidence to
the contrary, that the Insured Person suffered Loss of Life as a result of injury covered by this Policy.
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| EXTENSIONS |
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I. HIJACK
If in the course of a Covered Trip the Common Carrier Conveyance in which the Insured Person is
travelling is hijacked, the Company will pay:
(a) US $2,500 after the first 24 Hours during which Insured Person is illegally detained as a result of a
Hijack.
(b) A further US $5,000 after the first 72 Hours during which Insured Person is illegally detained as a
result of a Hijack.
For the purpose of this extension, a Hijack shall have occurred when the control of the Common Carrier
Conveyance, in which the Insured Person is travelling as a passenger, is involuntarily passed from the
regular crew to a person or persons who has or have used, or threatened to use, violent means to
obtain such control.
II. ACCIDENT MEDICAL EXPENSES
If an Insured Person, while riding solely as a passenger or while boarding or alighting from a Common
Carrier Conveyance for a Covered Trip, sustains injury and as a direct result necessarily incurs Medical
Expenses, the Company will indemnify the Insured Person for such expenses incurred up to a maximum
US $25,000. Medical Expenses shall mean all reasonable and customary costs necessarily incurred
outside the Insured Person’s country of domicile for hospital, surgical, or other diagnostic or remedial
treatment given or prescribed by a qualified medical practitioner. Dental or optical expenses are
excluded unless incurred as the result of an emergency following injury, provided that all routine dental
and optical treatment is completed prior to the Covered Trip.
In respect of this extension, the following additional Exclusions will apply:
a. Any expenses which are recoverable from any other insurance policy, Workmen’s Compensation
programmes, health policies or programmes or national insurance programmes which are applicable
to the Insured Person.
b. Any expenses incurred after 3 months from the time of the incurring of the first expense.
c. Expenses incurred as a result of:
(1) The Insured Person engaging in aviation (other than as a fare paying passenger) or flying in any
aircraft owned by or leased to the Insured.
(2) Active service in any of the Armed Forces of any nation.
d. Expenses incurred by an Insured Person over the age of 70 years.
III. TICKET UPGRADE INSURANCE
The Company will indemnify the Insured Person for the cost of upgrading his or her outbound or return
schedule flight to the next available ticket class in the event that:
a. Departure of an Insured Person’s confirmed Scheduled Flight from any airport is delayed for four
hours or more, is cancelled, or the Insured Person is denied boarding of the aircraft due to
over-booking, and no alternative transportation is available to the Covered Person within four hours
of the scheduled departure time of such flight.
b. The Insured Person’s confirmed onward connecting Scheduled Flight is missed at the transfer point
due to the late arrival of the Insured Person’s incoming confirmed connecting Scheduled Flight and
no alternative onward transportation is available to the Insured Person within four hours of the
actual arrival time of his or her incoming flight.
EXCLUSIONS
The Policy does not cover any Loss caused or contributed to by:
- Suicide or self-destruction or any attempt there at;
- War or any act of war whether declared or undeclared;
- Injury to which a contributory cause was the commission of, or attempt to commit an illegal act by or
on behalf of the Insured Person or his or her beneficiaries;
- Injury received while serving as an operator or crewmember of any conveyance.
- The actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release of or
exposure to any hazardous biological, chemical, nuclear or radioactive material, gas, matter or
contamination.
CLAIMS
Written notice of a claim must be given to the Company’s claim representative at the following address
within 20 days after the occurrence or commencement of any loss covered by the Policy, or as soon
thereafter as is reasonably possible. Benefits will be payable upon receipt of due written proof, as
requested by the Company for a legitimate covered loss.
Copies of the Record of Charge Forms relating to expenses incurred in respect to which indemnity is
claimed under this insurance must be supplied to the Company. Also, the Record of Charge Form, verifying
that the relevant flight tickets were charged to The Platinum Credit Card account must be supplied to the
Company together with the following information:
Full details of the Flight (Airline, Flight Numbers, Departure Airport, Destination, Scheduled Times and
Arrival Airport).
Full details of the Delay.
Full details of expenses for which reimbursement is claimed.
ACE Insurance S.A. - N.V.
Ashdown House
125 High Street
Crawley
West Sussex
RH10 1DQ
United Kingdom
Telephone: +44 1293 726070
Fax: +44 1293 726100
Indemnity for loss of life and any other accrued indemnities unpaid at the Insured Person’s death shall be
payable in accordance with the designation of beneficiary made by the Insured Person, subject to the laws
of the country of payment.
If no beneficiary has been designated or if the designated beneficiary has predeceased the Insured Person,
such indemnities shall, at the Company’s option and in accordance with the laws of the country of payment,
be paid to the Insured Person’s executor(s) or administrator(s), legal heir(s) or personal legal
representative(s).
All other indemnities will be payable to the Insured Person. The receipt from the person(s) to whom
payment is made will fully discharge the Company.
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| MAXIMUM INDEMNITY PER INSURED PERSON |
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In no event will duplicate or multiple American Express Cards or duplicate or multiple American Express Travel
Accident Insurance Certificates obligate the Company in excess of the ‘Schedule of Benefits’ for any one loss
sustained by any one individual Insured Person as a result of any one accident or incident under Policy Number
PDAT/03/14054 or under American Express Travel Accident Insurance Policies wherever issued.
Termination of Insurance
Insurance of the Cardmember shall terminate forthwith on the earliest of the following events:
- The termination of Master Policy;
- The termination of the Cardmember’s Card account serviced by Amex (Saudi Arabia) Limited.
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| GOVERNING LAW AND JURISDICTION |
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The Master Policy including any future amendments hereof, as well as its present and future interpretation,
shall be governed by and construed in accordance with Saudi Arabian law.
In any action or proceeding brought against the Insurer in relation to any matter arising under this Policy the
Courts of Saudi Arabia shall have exclusive jurisdiction.
It is a condition of this Policy that in any action against the Insurer the Parties hereto are deemed:
- To have irrevocably submitted to the jurisdiction of the Courts of Saudi Arabia and
- To have irrevocably waived any objection they may now or hereafter have to the venue of such action
or proceeding such Courts including, but not limited to, any objection that such action or proceeding was
brought in an inconvenient forum.
The Benefits described herein are subject to all of the terms and conditions of the Policy which is held by
and Amex (Saudi Arabia) Limited. This Certificate replaces any prior Certificate which may have been
furnished in connection with the Policy.
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