Chubb Travel Insurance · Chubb European Group SE, insurance company with head office at La Tour...

Your Policy Document

Chubb Travel Insurance

Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE -

Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173. 2

Advice to Travellers

Important Phone Numbers

Plea se make a note of the following phone

n umbers or add them to Your mobile; You

m ay need them in an emergency or if You

n eed to make a Claim .

Ch u bb Assistance

For ov erseas medical emergencies please con tact Chubb Assistance on:

Telephone: +351 21 020 00 52

E-m a il: a [email protected]

(2 4 hours a day, 365 days a year)

Ch u bb Claims

Telephone: +351 21 020 00 51


Web: https://chubb-r eembolsos.giarna.com.pt/pt/

Ch u bb Customer Service

Telephone: +351 21 020 00 51


Helpful hints for y our insurance

• Ta ke copies of Your policy documents

on You r T rip with You;

• Repor t any Loss of theft to the hotel

or local police within 24 hours and get

a r eport from them;

• Keep V aluables safe (for example in a

sa fety deposit box);

• Don ’t leave Valuables ly ing around or

in v iew of other people;

• Leav e yourself enough t ime to get to

th e airport, park, and g et through

security. Remember to a llow time for

delays in traffic or travel

• Con tact Us if You have a change in

h ea lth that may lead to You having to

ca ncel or alter Your Trip

• Con tact Us for a dvice before incurring

costs that You would seek to

su bsequently Claim for under this

Policy 020 3282 0103.

Immunisations

You may n eed extra immunisations when

tr avelling A broad. Check whether You do

befor e travelling online at Min istério dos

Neg ócios Est rangeiros

h ttps://www.portaldascomunidades.mne.pt

EHIC

If You a re travelling to Europe (all EU

cou ntries plus Iceland, Liechtenstein,

Nor way & Switzerland) You should obtain a

Eu r opean Heath In surance Card (EHIC and

ta ke it with You when You travel. This will

a llow You to benefit from the reciprocal

h ea lth arrangements, which exist with these

cou ntries and, if You have a valid Claim for

Medical Expenses under this Policy, We will

n ot deduct the Excess where the cost of

You r Claim has been reduced by You

u sing Your EHIC.

You can get more information about the

EHIC, a pply or renew Online at:

Website: www.seg-social.pt

By post : Forms available online.

Waiver

If You h ave a valid Claim for medical

ex penses under this Policy, which is reduced

by Your

• u sing an EHIC or

• ta king a dvantage of a reciprocal health

a g reement with Portugal; or

• u sing Your private medical insurance

a t the point of treatment,

We w ill not deduct the excess.

mailto:[email protected]


https://chubb-reembolsos.giarna.com.pt/pt/



https://www.portaldascomunidades.mne.pt/

Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00

Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.

3

Contents

Advice to Travellers 2

Im portant Ph one Number s 2

Helpful hints for y our in surance 2

Immunisation s 2

EHIC 2

Waiv er 2

Welcome 6

Table of Benefits 7

Important Information 8

How to Claim 8

How to Cancel 8

General Conditions and General Exclu sion s 8

Per sons Cov ered 8

Policy Definitions 8

Children 8

Trips Cov ered 8

Trips Not Cov ered 8

The Cov er We Pr ov ide 9

When You Are Cov ered 9

When Cov er Will En d Automatically 9

Automatic Extension of the Period of In surance 9

Leisure Activ ities and Sports 9

Chubb Assistance 11

Medical Emergency and Referral Serv ices 1 1

Per sonal Assistance Serv ices 1 2

Section 1 - Cancellation 13

What is cov ered 1 3

What is not cov ered 1 4

Section 2 – Medical Expenses & Repatriation 15


Special Con dition s 1 5


Section 3 – Hospital Benefit 16



Section 4 – Travel Delay / Abandonment 17

What is cov ered 17

Special Con dition s 17

What is not cov ered 17

Section 5 – Missed Departure 18






4

Section 6 –Curtailment 19



Section 7 – Personal Effects & Baggage 21




Section 8 – Loss of Passport / Driving Licence 23




Section 9 – Personal Money 23




Section 10 – Personal Accident 24




Section 11 – Personal Liability 24




Section 12 – Overseas Legal Expenses 25




General Exclusions 28

Making a Claim 30

Reporting Lost, Stolen or Damaged Pr operty 3 0

Claim Conditions 31

Other Insurance 3 1

Recov ering Our Claims Payments fr om Others 3 1

Comply ing with Special Condit ions 3 1

Supply ing Details & Documents 3 1

Your Duty to Av oid or Minimise a Claim 3 1

Pr otecting Pr operty 3 1

Sending Us Legal Documents 3 1

Subr ogation 3 1

Things You Mu st Not Do 3 1

Recognising Our Rights 3 1

Fraudulent Claims 3 2

Pay ing Claims 3 2

General Conditions 33

Contract 3 3

Ch oice of Law 3 3



5

Third Party Rights 3 3

Compliance with Policy Requirements 3 3

Changing Your Policy 3 3

Cancelling Your Policy 3 3

Other taxes or costs 3 3

Misr epresentation and Non -Disclosure 3 4

Interest 3 4

Bank Charges 3 4

Complaints pr ocedures 3 4

European Online Dispute Resolution Platform 3 4

Prudential Regulation Authority and Financial Conduct Authority 3 5

Portuguese Insurance and Pensions Funds Superv isory Authority – ASF 3 5

General Definitions 36

Data Pr otect ion 4 0

Language 4 0

Contact Us 41

About Chubb 41



6

Welcome

Thank you for choosing Chubb Travel Insurance.

Th is is Your Policy Wording which, together with Your Certificate of In surance and the

in formation supplied when applying for this insurance, is a contract between You and Us.

Cov er provided under this Policy is underwritten by Chubb European Group SE,

Por tuguese branch (We/Us).

Th is Policy pays benefits, if shown as insured on your Certificate of In surance, in a ccordance

w ith this Policy Wording, in the ev ent that You:

• n eed to cancel Your T rip before it begins; or

• su ffer illness or injury; or

• a r e delayed en r oute; or

• su ffer Loss or damage to Your Personal Property or Mon ey

a ll whilst on a Trip.

Th is Policy does not cov er:

• a ny pre-existing medical conditions; or

• m anual work of a ny description; or

• a ny Trip where Winter Sports is the main reason for Your trip.

You (a s specified in the Certificate of In surance) and Chubb agree that You shall pay the

pr emium as agreed. The Certificate of In surance and this Policy Wording prov ides the full

terms and conditions of the insurance with Us. You acknowledge that We have offered this

Policy and set the premium using the information which We have asked for and You have

pr ov ided, and that any change to the r esponses prov ided by You may r esult in a change in the

terms and conditions of the Policy and/or a change in the premiu m.

You sh ould check ov er the Policy Wording and Certificate of In surance carefully to ensure

th ey are correct and meet Your requirements, and notify Us immediately, if anything is

in correct, as this could a ffect Policy cov er in the ev ent of a Claim. You should keep these

documents in a safe place. You must tell Us if either Your insurance n eeds or any of the

in formation You have g iven Us changes. A change in circumstances may affect Policy cov er,

ev en if You do n ot think a change is significant, and We may n eed to change this Policy. We

w ill update the Policy a nd issue a new Certificate of In surance each time a change is agreed.

Ig n acio Bor ja

Cou ntry Pr esident Iberia

Ch ubb European Group SE



7

Table of Benefits (Your chosen product is shown on your Certificate of insurance)

Sect ion / Policy Type

Benefit Amounts /Limit of Liability

Excess1 T ravel Insurance including

Ca ncellation

T ravel Insu rance exclu ding

Ca ncellation

Ca ncellation Insu rance

1. Cancellation Fl i ght Cost 2 plus up to €500 for unused

trav el costs Not Insured

Fl i ght Cost 2 pl us up to €500

for unused trav el costs

✓

2. Medical Expenses & Repatriation Not Insured

A. i . Medical Expenses

ii . Emergency Repatriation Expenses

In Europe: up to €250,000

Worl dwi de: up to €500,000

In Europe: up to €250,000

Worl dwi de: up to €500,000

✓

iii. Travel Expenses €60 per day up to a

Max of €600 €60 per day up to

a Max of €600 ✓

B. A ccompanying Traveller Expenses

€60 per day up to a Max of €600

€60 per day up to a Max of €600

✓

C. Cremation Burial or Transportation Charges

up to €5,000 up to €5,000 ✓

D. Emergency Dental Treatment up to €250 up to €250 ✓

3. Hospital Benefit €15 for each full 24 hours up to a Max

of €750

€15 for each full 24 hours up to a

Max of €750 Not Insured ✗

4. Travel Delay/Abandonment Not Insured

A. Each complete 12 hour period €75 up to a Max of

€300 €75 up to a Max

of €300 ✗

B. A bandonment

In Europe: up to €500

Worl dwi de: up to €1000



✓

5. Missed Departure up to €200 up to €200 Not Insured ✓

6. Cu rtailment







✓

7. Personal Effects and Baggage Not Insured A. Loss, damage or theft up to €1,500 up to €1,500 ✓

Single i tem limit €250 €250

V aluables limit up to €250 up to €250

Sports equ ipment limit up to €250 up to €250

B. Delayed Baggage up to €200 up to €200 ✗

8. Loss of Passport / Driving Licence temporary replacement costs

up to €250 up to €250 Not Insured ✗

9. Personal Money up to €300 up to €300 Not Insured ✓

10. Personal Accident up to €10,000 up to €10,000 Not Insured ✗

11. Personal Liability up to €1,000,000 up to €1,000,000 Not Insured ✓

12. Overseas Legal Expenses up to €10,000 up to €10,000 Not Insured ✗

1 A €50 excess a pplies to each benefit section per person as h ighlighted in the table above.

Howev er, under Section 1. Cancellation, the excess is 10% of t he a pplicable claim amount,

su bject t o a m inimum of €50.

2 Flight Cost means the t otal cost of y our flight as sh own on your flight booking con firmation.

T h e table a bove shows the maximum amounts that a re cov ered under the policy per person.



8

Important Information

How to Claim

Gu idance on how to make a Claim under

th is Policy is detailed on page 30 in this

Policy Wording.

How to Cancel

Gu idance on how to cancel this Policy is

detailed on page 33 in this Policy Wording.

General Conditions and General Exclusions

Th ere are certain Conditions and Ex clusions

w h ich apply to a ll sections of this Policy, and

th ese are detailed on pages 33 to 35 and 28

to 2 9 in this Policy Wording.

Persons Covered

A ll Persons Insured on this Policy

m ust be:

1 . permanently r esident in Portugal and

be in Portugal at the t ime of

pu r chasing this Policy; and

2 . 6 4 years of age or under a t the t ime of

pu r chasing this Policy.

Policy Definitions

Cer tain words in this Policy have a specific

m eaning. They have this specific meaning

w h erever they appear in this Policy and are

sh own by using bold text and capital letters.

A ll Policy definitions are a pplicable to this

Policy as a whole, and are detailed on pages

3 6 to 39 in this Policy Wording.

Children

Ch ildren will only be cov ered when they

a r e travelling with an a dult named under

Person (s) Insured on the

Cer tificate of In surance.

Trips Covered

Th e Plan Type You have chosen, Travel

In su rance including Cancellation, Travel

In su rance excluding Cancellation or

Ca n cellation In surance, is shown on your


1 . Tr avel In surance including Cancellation

a n d Travel In surance excluding

Ca n cellation.

A T rip A broad during the Period of

Insu rance that takes place entirely

w ithin the Area of Travel stated in the

Cer tificate of In surance, as long a s You

h av e booked a return flight to Your

cou ntry of or igin before y ou depart for

You r Trip.

2. Ca n cellation In surance,

a. Rou nd Trip

A T rip A broad during the Period

of Insu rance that takes place

en t irely within the Area of Travel

sta ted in the Certificate of

In su rance.

b. One wa y Trip

A T rip A broad during the Period

of Insu rance that takes place

en t irely within the Area of Travel

sta ted in the Certificate of Insurance

bu t has n o scheduled return date.

Trips Not Covered

We will not cover a ny Trip

• wh ich involves manual work of

a ny description;

• wh ere Winter Sports is the main

rea son for Your trip;

• wh ich involves You t ravelling on

a Cru ise;

• wh ich involves You t ravelling

specifically to obtain m edical,

dental or cosmetic treatment;

• wh en You h ave been a dvised not

t o t ravel by Your Doct or or You

h a ve received a terminal

prognosis;

• wh ere, on the date it is booked

(or com m encement of the Period

of Insu rance if later), You or

You r Travelling Companion are

a wa re of a ny reason why it might

be ca ncelled or Curtailed, or any

ot h er circumstance that cou ld

rea sonably be expected t o result

in a Claim under this Policy;

• involving travel t o areas where

t h e Foreign and Commonwealth

Office h as a dvised a gainst ‘a ll

t ravel’. If You are not sure

wh ether there is a travel warning

for You r destination, please

ch eck their website.


Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de

Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.

9

The Cover We Provide

Th e maximum amount We will pay under

ea ch Section that applies is detailed in the

Ta ble of Benefits on page 7 in this Policy

Wor ding.

When Y ou Are Covered

1 . Ca n cellation cov er under Section 1

beg ins when a T rip is booked, or from

th e commencement date and time

sta ted in the Certificate of In surance,

w h ichever is later. It ends when You

sta rt Your T rip.

2. In su rance cover under all other

Sect ions operates for a Trip that takes

pla ce during the Period of

Insu rance .

When Cover Will End Automatically

Th e Plan Type You have chosen, Travel

In su rance including Cancellation, Travel

In su rance excluding Cancellation or

Ca n cellation In surance, is shown on your


1 . Tr avel In surance including Cancellation

a n d Travel In surance excluding

Ca n cellation

A ll cover will end when the Period of

Insu rance ends.

2. Ca n cellation In surance

a. Rou nd Trip

A ll cover will end when the Period

of Insu rance ends.

b. One Wa y Trip

A ll cover will end 24 hours a fter

You start Your T rip.

Automatic Extension of the Period of Insurance

If You cannot r eturn home from a Trip

befor e Your cov er ends, Your policy will

a u tomatically be extended at n o extra

ch arge for:

• u p t o 14 da ys if any Public

T ransport in which You are booked

to tr avel as a ticket-holding passenger

is u n expectedly delayed, cancelled or

Cu rtailed because of A dverse

Wea ther, industrial a ction, or

m echanical breakdown; or

• u p t o 30 da ys (or any longer period

a g reed by Us in writing before this

a u tomatic extension expires) if You

ca nnot return h ome Du e T o:

You being injured or becom ing

ill or being quarantined during

a T rip.

You being required to stay on

m edical adv ice with another

Person Insured named on

You r Certificate of In surance

w h o is injured or becomes ill or is

qu a rantined during a T rip.

Leisure Activities and Sports

You a re automatically covered when

pa r ticipating in any of the leisure a ctivities

or spor ts listed in this section, on a

r ecreational basis during Your Trip,

su bject to any prov isions, limitations or

ex clusions noted by the relevant sport or

a ct ivity and prov ided that:

1 . You h ave not been advised by a

Doct or a gainst participating in such

spor t or a ctivity;

2. You w ear the r ecommended/

r ecognised safety equipment;

3. You follow safety procedures, rules

a n d regulations a s specified by the

a ct ivity organisers/prov iders;

4. You a re n ot racing or competing in or

pr a ctising for speed or t ime trials of

a ny kind; and

5. It is n ot the main r eason for

You r Trip.

Im portant Note

If a leisure activity or sport is not

l isted then we will not provide cov er

u nder the Policy.

• A r chery (prov ided supervised by a

qu a lified person)

• A rm wrestling

• Ba dminton

• Ba sketball

• Bea ch basketball

• Bea ch cricket

• Bea ch football

• Bea ch volleyball

• Bocce

• Body boarding

• Bow ls

• Bow ling

• Ca n oeing, kayaking and rafting on

in land waters on ly (excluding

wh ite water)




10

• Ca rriage or hay or sleigh r ides

• Clay -pigeon sh ooting (prov ided

su pervised by a qu alified person)

• Cr icket

• Cr oqu et

• Cu rling

• Cy cling (except BMX and/or

m ountain biking)

• Deep sea fishing

(ex cluding competitions)

• Dr y skiing

• Eleph ant r iding (less than 2 days)

• Fell walking

• Fen cing (provided supervised by a

qu a lified person)

• Fish ing, or angling (on inland

w a ters only)

• Footbag (hacky sa ck)

• Footba ll (Association)

• Go ka rting (provided You wear a

cr ash helmet)

• Golf

• Ha ndball

• Hiking or hill walking (up to 1,000m

a bove sea level, on ly covered if no

gu ides or ropes are required)

• Hor se riding (prov ided n o hunting,

ju mping or polo)

• Hot a ir ballooning (prov ided it is

pr ofessionally organised, and You

tr avel a s a passenger on ly)

• Ice ska ting (excluding ice h ockey and

speed skating)

• In lin e skating

• Ja v elin

• Jet skiing

• Kor fball

• La crosse

• La n d sailing

• La ser games

• Lon g jump

• Ma x i-basketball

• Min i-basketball

• Motor cy cling up t o 125cc provided

You w ear a crash helmet, and h old a

fu ll (and n ot prov isional) Portugal

m otorcycle licence if You are in

con trol of the motorcycle

• Netball

• Pa ddleball

• Pa r ascending (prov ided ov er water)

• Pon y trekking

• Ra cquetball

• Ra mbling (up t o 1,000m a bove sea

lev el, only covered if no guides or

ropes a re required)

• Roller skating

• Roller blading

• Rou n ders

• Row ing (on inland waters only)

• Ru n ning (recreational)

• Sa fari (camera only and

pr ofessionally organised)

• Sa il boarding

• Sa iling or yachting (inland and coastal

w a ters only)

• Scu ba diving (to a depth not

exceeding 18m and provided that

You a re either accompanied by a

qu a lified instruction, or You are

qu a lified and not diving alone)

• Sn or kelling

• Soccer

• Squ a sh

• Softball

• Str eetball

• Su rfing

• Sw imming

• Ta ble tennis

• Ten nis

• Tr ampolining

• Tr ekking (up t o 1,000m a bove sea

lev el, only covered if no guides or

ropes a re required)

• Tr iple jump

• Tu g of war

• Tw irling

• V olleyball

• Wa ter polo

• Wa ter skiing

• Win d surfing

Plea se refer to the relevant exclusions

u nder each Section of Your Policy and

t o t h e General Exclusions, which

con t inue to a pply. Please specifically

n ot e the exclusion under Section 11 -

Person al Liability relating to the

ownership, possession or u se of

v ehicles, a ircraft, hovercraft,

wa t ercraft, firearms or buildings.



Chubb Assistance

Ch u bb Assistance can provide a range of

a ssistance and medical related services

du r ing Your Trip Abroad. Please make

su r e You have details of this Policy,

in cluding the Policy number and Period of Insu rance when You call.

To con tact Chubb Assistance please call:

+351 21 020 00 52

Medical Emergency and Referral Services

If You a re injured or become ill Abroad You must contact Chubb A ssistance immediately if You n eed hospital in-patient tr eatment, specialist treatment, medical tests, sca ns or to be brought back to Portugal.

If You cannot do this yourself, You must a r range for a personal r epresentative (for ex ample, a spouse or parent) to do this for You . If this is not possible because Your con dition is serious, You or Your personal r epresentative must contact Chubb A ssistance a s soon as possible.

If Ch u bb Assistance are not contacted, We m ay reject Your Claim or r educe its pa y ment.

In a ll other circumstances You are entitled to u se the services of Chubb Assistance detailed in this section, as appropriate.

Ch u bb Assistance - Medical Emergency

a n d Referral Services can help with:

A. Pa y ment of bills - if You are admitted

to h ospital Abroad, the hospital or

a t tending Doctor(s) will be contacted

a n d payment of their fees up to the

Policy limits may be guaranteed so that

You do n ot have to make the payment

fr om Your own funds.

B. Bein g brought back to Portugal - if

th e Doct or appointed by Chubb

A ssistance believes treatment in

Port ugal is preferable, transfer may

be a rranged by regular scheduled

tr ansport services, or by air or r oad

a m bulance services if more urgent

tr eatment and/or specialist care is

r equ ired during the Trip.

C. Pr ov ision of medical advice –

i) if You r equire emergency

con sultation or treatment

A broad, Chubb Assistance

w ill provide the names and

a ddresses of local Doct ors,

h ospitals, clinics and dentists,

a n d its panel of Doct ors will

pr ov ide telephone medical

a dv ice.

ii) if n ecessary Chubb A ssistance

w ill make arrangements for a

Doct or to call, or for You to be

a dmitted to hospital.

D. Un supervised Children - if a Ch ild is

left unsupervised on a T rip Abroad

because You are h ospitalised or in capacitated, Chubb A ssistance

m ay organise their return home,

in cluding a suitable escort when

n ecessary.

Plea se n ote that whilst You will n ot be ch arged for advice or a ssistance, You will be

r esponsible for paying fees and charges for

serv ices prov ided to You if they are not

cov ered as part of a valid Claim under this

Policy .




12

Personal Assistance Services

• Th e services under this Section are

pr ov ided by Chubb A ssistance and

a r e only available during a

T rip Abroad.

• Th ese are non-insured facilitation

serv ices making use of Chubb

A ssistance’s wide experience and

con tacts. Any costs incurred, for

ex ample for message r elay, must be

r eimbursed to Chubb Assistance

u n less they form part of a successful

Cla im under an a ppropriate Section of

th is Policy.

Ch u bb Assistance – Personal Assistance Serv ices can help with:

A. T ransfer of em ergency funds

Tr ansfer of emergency funds u p to

€250 per T rip if access to normal

fin ancial/ banking arrangements are

n ot av ailable locally. In order to

r eimburse Chubb A ssistance You

m ust authorise Chubb A ssistance to

debit Your credit or charge card with

th e amount of the transfer, or make

a lternative arrangements to deposit

th e funds in Chubb Assistance’s

a ccount in Portugal. If the emergency

tr ansfer is n eeded Du e T o theft or

Loss of per sonal money, a Claim may

be m ade under the Policy.

B. Messa ge relay

Tr ansmission of urgent messages to

r elatives or business associates if

m edical or travel problems disrupt a

T rip travel schedule.

C. Replacement travel documents

A ssistance with the r eplacement of

Lost or stolen t ickets and travel

documents, and r eferral to suitable

tr avel offices. Chubb Assistance will

n ot pay for any item.

D. Em ergency translation facility

A translation service if the local

pr ov ider of a n assistance service does

n ot speak English.

E. Lega l h elp

Refer ral to a local English speaking

La wyer, Embassy or Consulate if legal

a dv ice is n eeded, and arrangement of

pa y ment of reasonable emergency

Lega l Expenses or bail, against a

g u arantee of repayment.




13

SECT ION 1 -12 ONLY A PPLY IF SHOWN A S INSURED ON YOUR

CERT IFICA TE OF INSURA NCE

Section 1 - Cancellation

What is covered

We w ill refund Your proportion of unused

tr avel and/or accommodation costs up to

th e amount stated in the Table of Benefits

(in cluding excursions pre-booked and paid

for before starting Your T rip), which You

h av e paid or are contracted to pay and

w h ich cannot be recov ered from any other

sou r ce if it becomes necessary to cancel a

T rip Du e T o:

1 . You or Your Travelling

Com panion(s)

A. dy ing; or

B. su ffering serious injury; or

C. su ffering sudden or serious

illness; or

D. su ffering from complications in

pr egnancy if incurred in a n

em ergency as a r esult of

com plications (where such

com plications are diagnosed by a

Doct or w ho specialises in

obstetrics); or

E. being compulsorily quarantined

on th e or ders of a

t r eating Doct or;

pr ov ided that such cancellation is

con firmed a s medically necessary by

th e treating Doctor.

2. You r Immediate Family Member

or Close Bu siness Colleague or

You r Travelling Companion’s

Im m ediate Family Member or

Close Bu siness Colleague or

som eone You have arranged to stay

w ith on Your Trip:

A. dy ing; or



illness; or







obstetrics);

pr ov ided that such reasons for

ca ncellation are confirmed

by a Doct or.

3. th e police requiring You or Your

T ravelling Com panion’s presence

follow ing a burglary or attempted

bu rglary at Your or Your Travelling

Com panion’s home.

4. ser ious fire storm or flood damage to

You r or Your Travelling

Com panion’s home, provided that

su ch damage occurs within the 7 days

immediately prior to commencement

of You r T rip.

5 . th e compulsory jury service or

su bpoena of You or Your

T ravelling Com panion

6. You or Your Travelling

Com panion being made redundant

a n d having registered a s unemployed.




14

What is not covered

1 . A ny Claim Du e To

A. a ny pre-existing medical

con dition affecting a ny

person u pon whom Your

T rip depends that was

dia gnosed, treated or

requ ired hospital inpatient

or ou t patient treatment at

a ny time before Your Trip

wa s booked (or

com m encement of the

Period of Insurance if later),

a nd which could result in

You h aving to ca ncel Your

T rip;

B. ju ry service or subpoena if

You or You r Travelling

Com panion a re ca lled a s an

expert witness or where

You r or their occu pation

wou ld normally require a

Cou rt attendance;

C. redundancy wh ere You or

You r Travelling Companion:

i) were u nemployed or

knew that You or they

m ay become

u nemployed, at the time

t h e Trip

wa s booked;

ii) a re voluntarily made

redundant or made

redundant as a result of

m isconduct or

following resignation;

iii) a re self-employed or a

con t ract worker;

D. a ny adverse financial

sit uation causing You to

ca ncel Your T rip, other than

rea sons stated within the

sect ion

'Wh at is covered’.

E. You or You r Travelling

Com panion(s) deciding that

You do not want t o travel,

u nless that reason for not

t raveling is stated within the

sect ion

'Wh at is covered'.

F. T h e failure to obtain the

necessary passport, visa or

permit for Your Trip.

2. A ny loss, charge or expense Du e

T o:

A. a delay in notifying the tour

operator, travel a gent, or

t ransport or a ccommodation

prov ider that it is necessary

t o ca ncel a booking;

B. proh ibitive regulations by

t h e government of any

cou ntry.

3. A ny charge or expense paid for

wit h, or settled u sing, a ny kind of

prom otional voucher or points,

t imeshare, h oliday property bond

or h oliday points sch eme, or a ny

Cla im for management fees,

m a intenance cost s or exchange

fees a ssociated in relation to

t imeshares or similar

a rrangements.

4. T h e Excess.




15

Section 2 – Medical Expenses & Repatriation

What is covered

If du ring a T rip Abroad You:

1 . a r e injured; or

2. become ill (including complications in

pr egnancy as diagnosed by a Doct or

or specialist in obstetrics, prov ided

th at if You are travelling between 28 a n d 35 weeks pregnant You obtained

w r itten confirmation from a Doctor of

You r fitness to travel no earlier than 5

da y s prior to the commencement of

You r Trip Abroad);

We w ill pay up to the amount stated in the

Ta ble of Benefits for:

A . i) Medical Expenses

A ll reasonable costs that it is

m edically necessary to incur

ou tside of Portugal for hospital,

a m bulance surgical or other

dia gnostic or r emedial treatment,

g iv en or prescribed by a Doct or,

a n d including charges for staying

in a h ospital;

ii) Em ergency Repatriation

Ex pen ses

A ll reasonable costs that it is

m edically necessary for Chubb

A ssistance to incur to r eturn

You to Your home in Portugal;

or to m ov e You to the most

su itable hospital in Portugal; if

it is m edically necessary to do so.

iii) Tr avel Ex penses

A ll necessary and r easonable

a ccommodation (room on ly) and

tr avel expenses incurred with the

con sent of Chubb Assistance ,

if it is medically n ecessary for

You to stay A broad after Your

sch eduled date of r eturn to

Port ugal, including travel costs

ba ck to Portugal if You cannot

u se Your or iginal return t icket.

B. A ccompanying Traveller Ex penses

A ll necessary and r easonable

a ccommodation (room only) and travel

ex penses incurred with the consent of

Ch u bb Assistance , by any one other per son if required on medical advice to

a ccompany You or to escort a Child

h om e to Portugal.

C. Cr emation Burial or Transportation

Ch arges if You die A broad

i) cr emation or burial charges in the

cou ntry in which You die; or

ii) tr ansportation charges for

r eturning Your body or a shes

ba ck to Portugal.

D. Em ergency Dental Treatment

A ll medically necessary and reasonable

cost to prov ide emergency dental

tr eatment for the relief of pa in only,

ou tside of Portugal.

Special Conditions

1 . If You a re injured or become ill

A broad You must follow the

pr ocedure detailed under ‘Making a

Cla im’ on page 30 of this Policy. If

You do n ot , We may r eject Your

Cla im or r educe the amount that We

pa y You.

2. Ch u bb Assistance may:

A. m ov e You from one hospital to

a n other; and/or

B. r eturn You to Your home in

Port ugal; or move You to the

m ost suitable hospital in

Port ugal;

a t a ny t ime, if Chubb Assistance

believes that it is necessary and sa fe to

do so.

3. A dditional travel and hotel expenses

m ust be authorised in a dvance by

Ch u bb Assistance .

4. A ll original r eceipts must be kept and

pr ov ided to support a Claim .

What is not covered

1 . A ny Claim Du e To a ny pre-

existing m edical con dition that

wa s diagnosed, treated or

requ ired hospital inpatient or

ou t patient t reatment in the 5

y ear period before Your Trip wa s

booked (or commencement of the

Period of Insurance if later);

2. A ny treatment or surgery or

exploratory tests:




16

A. not con firmed as medically

necessary; or

B. not directly related to the

injury or illness that You

were a dmitted to h ospital

for.

3. Su rgery, medical or preventative

t reatment which can be delayed

in t he opinion of t he Doct or

t reating You until You return t o

t h e Portugal.

4. A ny costs incurred following

You r decision not t o move

h ospital or return to Portugal

a ft er the date when, in the

opinion of Ch ubb A ssistance, You

sh ou ld do so.

5. Cosm etic Su rgery.

6. T reatment or services provided

by a ny convalescent or nursing

h om e, rehabilitation centre or

h ea lth spa.

7 . A ny medical treatment that You

t ravelled A broad t o obtain.

8. Medica tion You a re taking

before, a nd which You will have

t o con t inue taking during, a T rip.

9. A ny expenses incurred in the

Port ugal.

10. A ny additional travel and

a ccom modation expenses

incurred which have not been

a u thorised in advance by Ch ubb

A ssistance.

11 . A ccommodation and travel

expenses where the transport

a nd/or a ccommodation u sed is of

a st andard superior to that of t he

T rip.

12. A ny additional costs for single or

private room accommodation.

13. Cremation or burial costs in

Port ugal.

14. T h e cost of m edical or surgical

t reatment of a ny kind received by

a Person Insured later than 52

weeks from the date of t he

a ccident or commencement of

t h e illness.

15. T h e Excess, except where You

h a ve obtained a reduction in the

cost of m edical expenses by using

a Eu ropean Health Insurance

Ca rd (EHIC) in the Eu ropean

Union , (including Iceland,

Liechtenstein, Norway &

Swit zerland) if You require

m edical treatment whilst i n the

cou ntry.

16. A ny Claim wh en You have

t ravelled a gainst the advice of

You r Doct or.

17 . A ny complication in pregnancy

t h at wa s known by You at the

t ime of t ravel.

Section 3 – Hospital Benefit

What is covered

If You a re a dmitted to a hospital as an in-

pa t ient during a Trip Du e T o injury or

illness for which You have a valid Claim

u n der Section 2 – Medical Ex penses &

Repa triation, We will pay the benefit

a m ount stated in the Table of Ben efits for

ea ch complete 24 h ours that You remain a

h ospital in-patient, up to the maximum

a m ount stated in the Table of Ben efits.

What is not covered

We will not pay for t ime You spend in

a n institution not recognised a s a

h ospital in the country of t reatment.




17

Section 4 – Travel Delay / Abandonment

What is covered

If You a re delayed for at least 12 hours on

You r outbound international Trip or the

fin al part of Your international return Trip

because the scheduled departure of Pu blic

T ransport is affected by a strike; industrial

a ct ion; Adverse Weather; mechanical

br eakdown or grounding of a n aircraft Du e

T o m echanical or structural defect, We

w ill either:

A. pay the Travel Delay benefit stated in

th e Table of Ben efits; or

B. if You a bandon Your T rip a fter a

delay of a t least 24 hours of the

sch eduled outbound international

depa rture, We will refund Your

u n used travel and accommodation

costs u p to the amount stated in the

Ta ble of Benefits that You have paid or

a r e contracted to pay and which cannot

be r ecovered from any other source.

Special Conditions

1 . You can on ly Claim under item A or

item B a bov e, n ot both.

2. You must:

A. ch eck-in before the scheduled

depa rture t ime shown on Your

t r avel itinerary; and

B. comply with the travel agent, tour

oper ator and transport prov iders

con tract terms; and

C. pr ov ide Us w ith written details

fr om the Public T ransport

oper ator describing the length of,

a n d reason for, the delay; and

D. a llow r easonable t ime to arrive at

You r departure point on t ime.

What is not covered

1 . A ny Claim Du e To:

A. Pu blic Transport being taken

ou t of service on the

instructions of a Civil

A v iation Authority, Port

A u thority or similar

a u thority;

B. a st rike if it had started or

been announced before You

a rranged this insurance;

C. a ny journey by Public

T ransport commencing and

ending in the country of

depa rture.








fees in relation to t imeshares or

sim ilar arrangements.

3. A ccommodation and travel

expenses where the a dditional

t ransport a nd/or accommodation

u sed is of a standard superior to

t h at of t he original Trip.

4. A ny Claim Du e To Your not

a llowing sufficient t ime for the

jou rney.

5. A ny Claim Du e To:

A. You t ravelling against the

a dv ice of the appropriate

na tional or local authority;



cou ntry.

6. A ny expenses that:

A. You ca n recover from any

t ou r operator, airline, hotel

or ot h er service provider;

B. You wou ld normally h ave t o

pa y during Your T rip.

7 . A ny Claim for Travel

A bandonment caused by volcanic

a sh .

8. T h e Excess, if a Trip

is a bandoned.




18

Section 5 – Missed Departure

What is covered


Ta ble of Benefits for n ecessary and r ea sonable additional a ccommodation

(r oom only) and travel expenses to enable

You to r each:

1 . You r scheduled destination A broad

if, on Your outbound journey, You

a r rive too late at Your final point of

in ternational departure to board the

Pu blic Transport on which You are

booked to travel ; or

2. On You r return journey, You arrive

too la te at Your final point of

in ternational departure to board the

Pu blic Transport on which You are

booked to travel.

Du e T o:

1 . th e car/taxi You are travelling in

br eaking down or being involved in an

a ccident; or

2. th e Public T ransport You are

tr avelling in failing to arrive on

sch edule.

Special Conditions

1 . You must:

A. pr ov ide ev idence of a ll the extra

costs You incurred

B. a llow r easonable t ime to arrive at

You r departure point on t ime

C. for car breakdown/accident

pr ov ide Us w ith:

i) a w ritten r eport from the

v ehicle breakdown service

or g arage that assisted You

du r ing the incident; or

ii) r easonable ev idence that the

v ehicle used for travel was

r oa dworthy, properly

m a intained and broke down

a t the t ime of the incident

D. for la te arrival of Public

T ransport prov ide Us w ith:

i) r ea sonable ev idence of the

pu blished t ime of a rrival

a n d the a ctual t ime of

a r rival.

What is not covered

1 . A ny Claim Du e To:

A. Pu blic Transport being taken

ou t of service on the

instructions of a Civil

A v iation Authority, Port

A u thority or similar

a u thority;

B. a st rike if it had started or

been announced before You

a rranged this insurance or

booked Your T rip,

wh ichever is the later.











expenses where the a dditional

t ransport a nd/or accommodation

u sed is of a standard superior to

t h at of t he original Trip.

4. A ny Claim Du e To You not

a llowing sufficient t ime for the

jou rney.

5. A ny Claim Du e To:

A. You t ravelling against the

a dv ice of the appropriate

na tional or local authority;



cou ntry.

6. A ny expenses that:

A. You ca n recover from any

t ou r operator, airline, hotel

or ot h er service provider;

B. You wou ld normally h ave t o

pa y during Your T rip.

7 . T h e Excess



Section 6 –Curtailment

What is covered

We w ill pay:

A. u n used a ccommodation costs

(in cluding excursions pre-booked and

pa id for before starting Your Trip,

w h ich You have paid or are contracted

to pay and which cannot be r ecov ered

fr om any other source; and

B. r ea sonable additional travel and

a ccommodation (room on ly) costs

n ecessarily incurred in Your r eturning

to You r home in Portugal.

u p to the amount shown in the Table of

Ben efits, if it becomes necessary to, Curtail

a T rip Du e To:

1 . You , Your T ravelling

Com panion(s)

A. dy ing; or



illness; or







obstetrics); or



t r eating Doct or;

pr ov ided that such Curtailment is



2. You r Immediate Family Member

or Close Bu siness Colleague or

You r Travelling Companion's

Im m ediate Family Member or

Close Bu siness Colleague or

som eone You have arranged to stay

w ith on Your Trip:

A. dy ing; or



illness; or






Qu a lified Medical Practitioner

w h o specialises in obstetrics); or



t r eating Doct or;

pr ov ided that such Curtailment is



3. Th e police r equiring You or Your

T ravelling Companion’s presence

follow ing a burglary or attempted

bu rglary at Your or Your Travelling

Com panion’s home

4. Ser ious fire storm or flood damage to

You r or Your Travelling

Com panion’s home; prov ided that

su ch damage occurs after Your Trip

commences.

What is not covered

1 . A ny Claim Du e To

A. a ny pre-existing medical

con dition affecting a ny

person u pon whom Your

T rip depends that was

dia gnosed, treated or

requ ired hospital inpatient

or ou t patient treatment at

a ny time before Your Trip

wa s booked (or

com m encement of the

Period of Insurance if later),

a nd which could result in

You r having to Cu rtail Your

T rip;

B. a ny adverse financial

sit uation causing You to

Cu rtail

You r Trip;

C. You or You r Travelling

Com panion(s) deciding that

You do not want t o remain

on You r Trip.




20

2. A ny loss, charge or expense Du e

T o:

A. a delay in notifying the tour

operator, travel a gent, or

t ransport or a ccommodation

prov ider that it is necessary

t o Cu rtail a booking;



cou ntry.


wit h, or settled u sing any kind of









expenses where the transport

a nd/or a ccommodation u sed is of

a st andard superior to that of t he

T rip.

5. T h e Excess.



Section 7 – Personal Effects & Baggage

What is covered

A. Loss, damage or theft

If Personal Property is Lost,

da maged or stolen during Your Trip,

We w ill pay Repair a nd

Replacement Costs up to the

a m ount stated in the Table of Ben efits.

B. Dela y ed Baggage

If Personal Property is Lost or

m isplaced for a t least 12 h ours on

You r outbound journey by the airline

or oth er carrier, We will pay up to the

a m ount stated in the Table of Ben efits

to r eimburse You for the cost of

essen tial items of clothing, medication,

toiletries and Mobility Aids that You

h av e to purchase.

Special Conditions

1 . You m ust take reasonable care to keep

You r Personal Property sa fe. If

You r Personal Property is Lost or

stolen You must take a ll r easonable

steps to g et it back.

2. V a luables must be attended by You

a t a ll t imes when not contained in a

locked sa fe or safety deposit box.

3. If You r Personal Property is Lost

or stolen You must make ev ery

r ea sonable effort to report it to the

police (and h otel management if the

Loss or th eft occurs in a hotel) within

2 4 hours of discovery and You must

pr ov ide Us w ith a copy of the original

w r itten police r eport.

4. Loss, th eft or damage to Personal

Property in the custody of an a irline

or oth er carrier must be r eported in

w r iting to the airline or other carrier

w ithin 24 h ours of discov ery and We

m ust be prov ided with a copy of the

or ig inal written a irline or carrier’s

Pr operty Ir regularity report;

5 . Wh ere Personal Property is

temporarily Lost or misplaced by an

a ir line or other carrier We must be

pr ov ided with original written

con firmation from such airline or other

ca rrier or the tour representative that

th e delay lasted for at least 12 hours

a fter You arrived a t Your destination.

6. If You h ave been paid for emergency

pu r chases of essential items and You

th en also Claim for Loss, damage or

th eft of Personal Property r esulting

fr om the same item, cause or ev ent, the

a m ount paid to You for emergency

pu r chases will be deducted from the

fin al settlement payment. However,

a ny deduction will not be any more

th an the amount paid for emergency

pu r chases.

What is not covered

1 . More t h an the amount stated in

t h e Table of Benefits for:

A. a single item, pair or set, or

pa rt of a pair or set;

B. V a luables in t otal;

C. sport s equ ipment in total

2. Loss or t h eft of Valuables left

Una ttended u nless contained in a

locked safe or safety deposit box.

3. Loss or t h eft of any Personal

Property (ot her than Valuables)

left Unattended u nless:

A. con t ained in

i) a locked room; or

ii) a locked safe or safety

deposit box; or

iii) t h e locked glove box or

boot of a v ehicle or in

t h e luggage space at the

rea r of a locked estate

ca r or h atchback under

a t op cov er a nd out of

v iew;

a nd there is evidence of

forced entry to the room,

sa fe, safety deposit box or

ca r, or the ca r has been

st olen;

B. in t he cu stody or control of

a n a irline or other ca rrier.

4. Loss, t h eft or damage t o:

A. a ntiques, musical

instruments, pictures,

h ou sehold goods, con tact or

corneal lenses, dentures, or

dental fittings, hearing a ids,

bon ds, securities or

docu m ents of a ny kind;




22

B. sport s equ ipment whilst

being used, vehicles or their

a ccessories (other than

Mobility Aids), watercraft

a nd ancillary equipment,

gla ss china or similar fragile

it ems and pedal cycles;

C. bu siness equ ipment,

bu siness goods, samples,

bu siness Mon ey, tools of

t rade or any ot her item used

in con nection with Your

bu siness, trade or

occu pation;

5. Depreciation in value, normal

wea r and t ear, denting or

scra tching, damage by moth or

v ermin, electrical, electronic or

m echanical breakdown, or

da mage Du e T o atmospheric or

climatic con ditions.

6. Dela y, detention, seizure or

con fiscation by customs or ot her

officials.

7 . T h e Excess (not applicable to

delayed baggage Claims).




23

Section 8 – Loss of Passport / Driving Licence

What is covered

If You r passport and/or driving licence is

Lost , destroy ed or stolen while You are on

a T rip A broad, We will pay up to the

a m ount stated in the Table of Ben efits to

cov er the cost of:

1 . g etting any temporary replacement

documents needed to enable You to

r eturn from Your Trip including any

a dditional travel and a ccommodation

(r oom only) costs incurred by You or

on You r behalf during Your T rip to

obta in such documents; and

2. th e replacement passport or driving

licence fee payable, prov ided that it

r emained v alid for a t least 2 years a t

th e date it was Lost, destroy ed

or stolen.

Special Conditions

1 . You must take reasonable care to keep

You r passport and/or driving licence

sa fe. If Your passport a nd/or driving

licence is Lost or stolen You must

ta ke all reasonable steps to g et it back.

2. You r passport and/or driving licence

m ust be attended by You a t all times

w h en not contained in a locked safe or

sa fety deposit box.

3. If You r passport and/or driving

licence is Lost or stolen You must

m a ke ev ery r easonable effort to report

it to the police (and h otel management

if th e Loss or theft occurs in a hotel)

w ithin 24 h ours of discov ery and You

m ust prov ide Us w ith a copy of the

or ig inal written police report.

What is not covered

1 . Loss or t h eft of any passport or

driving l icence left Unattended

u nless contained in a locked safe

or sa fety deposit box.


con fiscation by customs or

ot h er officials.

Section 9 – Personal Money

What is covered

We w ill pay up to the amount stated in the Ta ble of Benefits if Mon ey held by You for

You r own personal use is Lost or stolen du r ing a Trip whilst:

1 . being carried by You; or

2. left in a locked sa fe or safety deposit

box .

Special Conditions

1 . You must take reasonable care to keep

You r Mon ey safe. If You r Mon ey is

Lost or stolen You must take all

r ea sonable steps to get it back.

2. You r Mon ey must be attended by

You a t a ll t imes when not contained in

a locked safe or sa fety deposit box.

3. If You r Mon ey is Lost or stolen You

m ust make ev ery r easonable effort to

r eport it to the police (and hotel

m anagement if the Loss or theft

occurs in a h otel) within 24 h ours of

discov ery and You must provide Us

w ith a copy of the or iginal written

police report.

What is not covered

1 . More t h an the amount stated in

t h e Table of Benefits for cash.

2. Loss or t h eft of Mon ey left

Una ttended u nless contained in a

locked safe or safety deposit box.


con fiscation by customs or ot her

officials.

4. T raveller’s cheques:

A. u nless the Loss or theft is

reported immediately t o the

loca l branch or a gent of t he

issu ing com pany;

B. if t he issuing company

prov ides a replacement

service.

5. Depreciation in value or shortage

Du e T o a ny error or omission.

6. T h e Excess.




24

Section 10 – Personal Accident

What is covered

If You su ffer physical injury caused by an

A ccident during a Trip which, within 12

m on ths, directly r esults in Your:

1 . Dea t h; or

2. Loss of Sigh t; or

3. Loss of Lim b; or

4. Permanent Total Disablement .

We w ill pay the appropriate benefit stated

in the Table of Benefits.

Special Conditions

We w ill not pay more than one benefit for

th e same physical injury.

What is not covered

Dea t h, Loss of Sight, Loss of Limb or

Permanent Total Disablement Du e T o

disease or a ny physical defect, injury

or il lness wh ich existed before the

T rip.

Section 11 – Personal Liability

What is covered

We w ill cover You up to the Limit of

Lia bility stated in the Table of Benefits

a g ainst all sums which You are legally liable

to pay a s damages in respect of:

1 . a ccidental bodily injury (including

dea th illness or disease) to any person;

2. a ccidental loss of or damage to

m aterial property;

w h ich occurs during the Period of

Insu rance arising out of the Trip.

Th e maximum that We will pay under this

Sect ion for all damages as a result of any

on e occurrence or series of occurrences

a r ising directly or indirectly from one source

or or iginal cause shall be the Limit of

Lia bility stated in the Table of Benefits. We

w ill in addition pay Costs a nd Expenses.

Cost s a nd Expenses shall mean:

1 . a ll costs and expenses recov erable by a

cla imant from You;

2. a ll costs and expenses incurred with

Ou r written consent;

3. solicitors’ fees for representation at

a ny coroner’s inquest or fatal a ccident

in qu iry or in any Court of Summary

Ju r isdiction;

in r espect of a ny occurrence to which this

Sect ion applies – ex cept that in respect of

occurrences happening in or claims or legal

pr oceedings brought or originating in the

Un ited States of America and Canada or any

oth er territory within the jurisdiction of

either such country, Costs and Expenses

described in 1., 2., and 3. abov e are deemed

to be in cluded in the Limit of Liability for

th is Section.

Special Conditions

1 . We m ay at Ou r sole discretion in

r espect of any occurrence or

occurrences cov ered by this Section

pa y to You the Limit of Liability stated

in the Table of Benefits applicable to

su ch occurrence or occurrences (but

dedu cting therefrom any sum(s)

a lready paid) or any lesser sum for

w h ich the Claim(s) arising from such

occurrence(s) can be settled and We

sh a ll thereafter be under n o further

lia bility in r espect of such

occurrence(s) except for the payment

of Cost s a nd Expenses incurred

pr ior to the date of su ch payment and

for w hich We may be responsible

h er eunder.

2. If a t the time of the happening of any

occurrence cov ered by this Section

th ere is any other existing insurance

w h ether taken out by You or not

cov ering the same liability We shall

n ot be liable to indemnify You in

r espect of such liability except so far as

con cerns a ny excess beyond the

a m ount which would have been

pa y able under such other insurance

h a d this Section n ot been effected.




25

What is not covered

Cov er for any liability:

1 . in respect of bodily injury to any

person wh o is:

A. u nder a contract of service

wit h You when such injury

a rises ou t of and in the

cou rse of their employment

by You;

B. a m ember of You r family.

2. a ssumed by You u nder a contract

or a greement unless such

lia bility wou ld have attached in

t h e absence of such contract or

a greement;

3. in respect of loss of or damage to

property:

A. belonging t o You;

B. in Your ca re cu stody or

con t rol.

Howev er this Exclusion shall not

a pply in respect of loss of or

da mage t o buildings and their

con t ents not belonging to but

t emporarily occu pied by You in

t h e course of t he Trip.

4. in respect of bodily injury loss or

da mage caused directly or

indirectly in connection with:

A. t h e carrying on of a ny trade,

bu siness or profession;

B. t h e ownership, possession

or u se of:

i) h orse-drawn or

m echanically propelled

v ehicles;

ii) a ny aerospatial device

or a ny airborne or

wa t erborne craft or

v essel (other than non-

m echanically powered

wa t erborne craft not

exceeding 10 metres in

length whilst used on

inland waters) or the

loa ding or u nloading of

su ch craft or vessel;

iii) firearms (ot her than

sport ing guns);

iv) a rising from the

occu pation or

ownership of any land

or bu ilding other than

a ny building

t emporarily occupied by

You in the course of a

T rip.

5. in respect of a ctivities or

v olunteer work organised by or

wh en the individual is assigned

ov erseas by or under the auspices

of a ch a ritable voluntary not for

profit social or similar

orga nisation except where no

ot h er insurance or cover is

a v ailable.

6. in respect of punitive or

exem plary damages.

7 . in respect of the Excess.

Section 12 – Overseas Legal Expenses

What is covered

If du ring a T rip You sustain bodily injury

or illness which is caused by a third party


Ta ble of Benefits to cover Legal Expenses

a r ising out of A ny One Claim.

Special Conditions

1 . Lega l Representatives must be

qu a lified to practise in the Courts of

th e country where the event g iving r ise

to th e Claim occurred or where the

pr oposed defendant under this Section

is r esident.

2. We sh a ll a t all t imes have complete

con trol ov er the legal proceedings.

Ou tside the Eu ropean Union, the

selection, appointment and control of

Lega l Representatives shall rest

w ith Us. Within the European Union,

You do n ot have to a ccept the Legal

Representatives chosen by Us. You

h av e the right to select and a ppoint

Lega l Representatives a fter legal

pr oceedings have commenced subject

to Ou r agreement to the Legal

Representatives' fee or charging

r a tes. If there is a disagreement ov er

th is choice of Legal

Representatives You can propose

Lega l Representatives by sending

Us th e proposed Legal




26

Representatives’ name and a ddress.

We m ay choose not to accept Your

pr oposal but only on r easonable

g r ounds. We may ask the ruling body

for Legal Representatives to

n om inate alternative Legal

Representatives. In the meantime,

We m ay appoint Legal

Representatives to protect

You r interests.

3. You must co-operate fully with the

Lega l Representatives and ensure

th at We are fully informed at all t imes

in connection with any Claim or legal

pr oceedings for damages and or

com pensation from a third party. We

a r e entitled to obtain from the Legal

Representatives any information,

document or a dvice relating to a

Cla im or legal proceedings under this

In su rance. On request You will give to

th e Legal Representatives any

in structions necessary to ensure

su ch access.

4. Ou r a uthorisation to incur Legal

Expenses will be g iven if You can

sa t isfy Us that:

A. th ere are r easonable grounds for

pu r suing or defending the Claim

or legal proceedings and the

Lega l Expenses will be

pr oportionate to the v alue of the

Cla im or legal proceedings; and

B. it is r easonable for Legal

Expenses to be prov ided in a

pa r ticular case. The decision to

g r ant authorisation will take into

a ccount the opinion of the Legal

Representatives a s well a s that

of Ou r ow n advisers. If there is a

dispute, We may request, a t

You r expense, an opinion of a

ba rrister a s to the merits of the

Cla im or legal proceedings. If

th e Claim is a dmitted, Your

costs in obtaining this opinion

w ill be cov ered by this Policy.

5 . If th ere is any dispute, other than in

r espect of the admissibility of a Claim

on w hich Ou r decision is final, the

dispute will be referred to a single

a r bitrator who will be either a solicitor

or ba rrister agreed by a ll parties, or

fa iling agreement, one who is

n om inated by the current President of

th e appropriate Law Society. The party

a g ainst whom the decision is made

sh a ll meet the costs of the arbitration

in fu ll. If the decision is n ot clearly

m a de a gainst either party the

a r bitrator shall have the power to

a pportion costs. If the decision is made

in Ou r favour, Your costs shall n ot be

r ecov erable under the In surance.

6. We m ay at Ou r discretion assume

con trol at any t ime of any Claim or

leg al proceedings in Your name for

da mages and/or compensation from a

th ird party.

7 . We m ay at Ou r discretion offer to

sett le a counter-claim a gainst You

w h ich We consider to be reasonable

in stead of continuing any Claim or

leg al proceedings for damages and/or

com pensation by a third party.

8. Wh ere settlement has been made to

You w ithout legal costs being

a pportioned, We will determine h ow

m uch of that settlement sh ould be

a pportioned to legal costs and

ex penses and paid to Us.

9. If a con flict of interest arises, where

We a r e also the insurers of the third

pa r ty or proposed defendant to the

Cla im or legal proceedings, You have

th e right to select and a ppoint other

Lega l Representatives in

a ccordance with the terms of this

In su rance.

10. If a t Your request Legal

Representatives cease to continue

a ct ing for You, We shall be entitled to

w ithdraw cov er immediately or agree

w ith You to a ppoint other Legal

Representatives in accordance w ith

th e terms of this In surance.

What is not covered

1 . A ny Claim reported t o Us m ore

t h an 12 months a fter the

beginning of the incident wh ich

led t o the Claim.

2. A ny Claim wh ere it is Ou r

opinion that the prospects for

su ccess in achieving a reasonable

set tlement are insufficient

a nd/or where the laws, practices

a nd/or financial regulations of

t h e country in which the incident

occu rred wou ld preclude the

obt a ining of a satisfactory




27

set tlement or the costs of doing

so wou ld be disproportionate to

t h e value of t he Claim.

3. Lega l Expenses incurred before

receiving Ou r prior authorisation

in writing.

4. Lega l Expenses incurred in

con nection with any criminal or

wilful a ct on Your part.

5. Lega l Expenses incurred in the

defence against any civil claim or

legal proceedings made or

brou ght a gainst You unless a s a

cou nter-claim.

6. Fines, penalties compensation or

da mages imposed by a cou rt or

ot h er authority.

7 . Lega l Expenses incurred for a ny

Cla im or legal proceedings

brou ght a gainst:

A. a t ou r operator, travel agent,

ca rrier, insurer or their

a gents where the subject

m a tter of t he Claim or legal

proceedings is eligible for

con sideration u nder a n

A rbitration Sch eme or

Com plaint Procedure;

B. Us or Ou r a gents; or

C. You r employer.

8. A ct ions between Persons Insured

or pu rsued in order t o obtain

sa t isfaction of a ju dgement or

legally

binding decision.

9. Lega l Expenses incurred in

pu rsuing a ny Claim for

com pensation (either

individually or a s a member of a

grou p or class a ction) a gainst the

m a nufacturer, distributor or

su pplier of a ny drug, m edication

or m edicine.

10. Lega l Expenses ch argeable by the

Lega l Representatives u nder

con t ingency fee a rrangements.

11 . Lega l Expenses incurred where

You h ave:

A. fa iled to co-operate fully

wit h and make sure that We

a re fully informed at a ll

t imes in connection with any

Cla im or legal proceedings

for da mages a nd or

com pensation from a third

pa rty; or

B. set tled or withdrawn a Claim

in con nection with any Claim

or legal proceedings for

da mages and or

com pensation from a third

pa rty without Our

a greement. In su ch

circumstances We shall be

ent itled to withdraw cover

im mediately a nd t o recover

a ny fees or expenses paid.

12. Lega l Expenses incurred a fter

You h ave not:

A. a ccepted an offer from a

t h ird party to settle a Claim

or legal proceedings where

t h e offer is con sidered

rea sonable by Us; or

B. a ccepted an offer from Us t o

set tle a Claim.

13. Lega l Expenses wh ich We

con sider u nreasonable or

excessive or unreasonably

incurred.




28

General Exclusions

Ex clusions that a pply to the whole Policy.

T h is insurance does not apply t o the

ext ent that resolutions of the United

Na t ions or the trade a nd economic

sa nctions, laws or regulations of the

Eu ropean Union, the member states

of t h e European Union or United

St a tes of America prohibit Chubb

from providing insurance, including

bu t not limited to t he payment of

cla ims or the provision of a ny other

benefit.

In pa rticular, Chubb will not pay a ny

cla ims or provide any other benefits

a rising out of or relating t o any

Insu red Person whose main residence

is in Cu ba and/or arising out of or

relating to any travel t o, from or in

Cu ba or a ny travel which starts, ends

or h a s a scheduled stop in Cu ba.

T h is Policy does not cover and we will

not (u nder a ny sections) pay for

cla ims of any kind directly or

indirectly a rising from, relating t o or

in a ny way connected with the

Coron avirus Disease 19 (COV ID-19)

(or a ny mutation or variation thereof)

a nd / or its outbreak. T o the extent

t h at a ny term or con dition in the

Policy may be inconsistent with this

exclu sion, this exclusion shall prevail.

We will not be l iable to m ake any

pa yment under this Policy where:

1 . Person s Covered

You do not meet the criteria

det ailed under Important

Information on page 8 of t h is

Policy.

2. Ch ildren travelling alone

You a re a Ch ild travelling or

booked t o travel without an adult

Person Insured named in the

Cert ificate of Insurance.

3. T rips not covered

You r Trip is described under

“T rips Not Cov ered”, on page 8 of

t h is Policy.

4. a ny Claim is Du e To:

A. Not t aking m edication or

t reatment

a Person Insured ch oosing

not t o take m edication or

ot h er recommended

t reatment a s prescribed or

directed

by a Doct or.

B. T ropical disease where

not vaccinated

a t ropical disease wh ere the

Person Insured has not had

t h e vaccinations or taken the

m edication recommended

by Portuguese Department

of Hea lth or required by the

a u thorities in the country

being visited, unless they

h a ve written confirmation

from a Doct or that they

sh ou ld not be vaccinated or

t a ke the medication, on

m edical grounds.

C. A nxiety state or phobia

a Person Insured suffering

from any t ravel-related

a nxiety state, or phobia.

D. Exclu ded leisure a ctivities

or sports

You t aking part in a ny of the

following wh ile on a Trip:

i) a ny leisure activities or

sport s not specifically

cov ered under "Leisure

A ct ivities & Sports"

ii) a ny leisure activities or

sport s in a professional

ca pa city or for financial

rewa rd or gain

iii) a ir travel unless You are

t ravelling as a fare

pa ying passenger on a

fl ight which is provided

by a l icensed airline or

a ir

ch a rter company

E. Cu rrency

Cu rrency exchange,

including but not l imited to

a ny loss of v alue or cu rrency

con v ersion fees.

F. Illegal A cts

A ny illegal act by You.




29

G. A lcohol/drugs

i) A lcohol

You drinking t oo much

a lcohol, alcohol a buse

or a lcohol dependency.

We do not expect You to

a v oid alcohol on Trips,

bu t We will not cover

a ny Claims a rising

beca use You have drunk

so m u ch a lcohol that

You r judgement is

seriously affected and

You need to make a

Cla im a s a result (for

exa mple any medical

report or evidence

sh owing excessive

a lcohol con sumption

wh ich in the opinion of

a Doct or h as caused or

con t ributed t o the

bodily injury).

ii) Dru gs

You t aking a ny drugs in

con t ravention of the

la ws a pplicable to the

cou ntry You are

t ravelling to, or having

a n a ddiction t o or

a bu sing any

m edications, or being

u nder the influence of

a ny non-prescribed

m edication wh ich is

cla ssified a s a legal h igh

in t he cou ntry You are

t ravelling to.

H. Su icide/self-injury

i) You r suicide, attempted

su icide or deliberate

self-inflicted injury

regardless of the state of

You r mental h ealth; or

ii) You r needless self-

exposu re t o danger or

wh ere You have acted in

a m anner con trary t o

v isible warning signs

except in an attempt t o

sa v e human life.

I. Ra diation

i) ion ising radiation or

con t amination by

ra dioactivity from any

nu clear fuel or from any

nu clear waste resulting

from the com bustion of

nu clear fuel; or

ii) t h e radioactive, t oxic,

explosive or other

h a zardous properties of

a ny explosive nuclear

a ssembly or nuclear

com pon ent of such

a ssembly.

J. Son ic wa ves

pressure waves from aircraft

a nd other a irborne devices

t ravelling at sonic or

su personic speeds.

K. Wa r

Wa r or any act of War

wh ether War is declared or

not .

L. Financial Failure

T h e financial failure of a

t ou r operator, travel a gent,

t ransport provider,

a ccom modation provider,

t icketing agent or excursion

prov ider.




30

Making a Claim

Con ditions that a pply to the whole Policy.

1 . If You a re injured or become ill

A broad and n eed:

A. h ospital in patient treatment,

specialist treatment, medical

tests, scans or to be brought back

to Port ugal:

You must contact Chubb

A ssistance immediately on:

+351 21 020 00 52

If You cannot do this yourself,

You must arrange for a personal

r epresentative (for example, a

spou se or parent) to do this for

You . If Ch ubb A ssistance are

n ot contacted, any expense

in curred by You that would

oth erwise n ot have been incurred

h a d Chubb A ssistance been

con tacted will be deducted from

You r Claim

B. m edical treatment other than

u n der A. above - You must

follow the procedure detailed

u n der condition 2. below. You

ca n make use of the services

pr ov ided by Chubb A ssistance,

a s a ppropriate (these are detailed

on pa ges 11-12 of this Policy).

2. A ll other Claims

You m ust notify Us immediately

by t elephone or email a s soon a s

rea sonably possible a nd within

30 da ys of becoming aware of

a nything likely to result in a

Cla im.

A per sonal r epresentative can do this

for You if You cannot.

We ca n be contacted at:

Em a il: [email protected]

Tel: +351 21 020 00 51

With our Online Claims Portal, it's

qu ick and easy to lodge a claim. Login

to g et started, to check up on the

pr ogress of existing claims, u pload

su pporting documents, and r eview

y our details. Here: https://chubb-

r eembolsos.giarna.com.pt/pt/

Reporting Lost, Stolen or Damaged Property

1 . Lost or stolen Personal Property ,

Mon ey , passport or driving licence.

You must make ev ery r easonable effort

to obta in a police report within 24

h ou rs of discov ery.

• If Lost or stolen from a h otel,

You must make every reasonable

effor t to notify the h otel

m anagement; and

• If th e Mon ey You have Lost or

h a d stolen includes travellers

ch eques, You must make every

r ea sonable effort to notify the

loca l branch or agent of the

issu ing company; and

• Pr ov ide Us w ith a copy of the

or ig inal written r eports.

2. Person al Property Lost , stolen or

da maged whilst in the custody of a n

a ir line or other carrier.

You m ust notify the airline or

ot h er carrier in writing within 24

h ou rs of discovery and provide

Us wit h a copy of the original

Property Irregularity Report.






Claim Conditions

Other Insurance

If, a t the t ime of a n incident which results in

a Cla im under this Policy, there is any other

in surance covering the same Loss, damage,

ex pense or liability, We are entitled to

a pproach that insurer for a contribution

tow ards the Claim, and will on ly pay Our

pr oportionate share. This condition does not

a pply to Section 1 0 - Personal Accident or

Sect ion 3 – Hospital Benefit of this Policy.

Recovering Our Claims Pay ments from Others

We a r e entitled to take ov er and carry out in

You r name the defence or settlement of any

leg al a ction. We may a lso take proceedings

a t Ou r own expense and for Our own

ben efit, but in Your name, to r ecov er any

pa y ment We have made under this Policy to

a ny one else.

Comply ing with Special Conditions

You must comply with the Special

Con ditions detailed in the r elevant Section

of th is Policy.

Supply ing Details & Documents

You must supply a t Your own expense any

in formation, ev idence and r eceipts We

r equ ire including medical certificates signed

by a Doct or, police r eports and

oth er reports.

Y our Duty to Avoid or Minimise a Claim

You a nd each Person Insured must take

or dinary and r easonable care to safeguard

a g ainst Loss, damage, Accident, injury or

illness as though You were not insured. If

We believe You have n ot taken reasonable

ca re of property, the Claim may n ot be

pa id. The items insured under this Policy

m ust be maintained in good condition.

Protecting Property

You must take all reasonable steps to

pr otect any item or property from further

Loss or da mage and to r ecov er any Lost or

stolen article.

Sending Us Legal Documents

You must send Us any original writ, summons, legal process or other correspondence received in connection with a Claim in 8 (eight) days when it is received

and without answering it.

Subrogation

We m ay take action in Your name to

r ecov er compensation or security for loss,

da mage or expenses covered by this

in surance. You w ill n ot have to pay

a ny thing towards this action but We will be

en t itled to retain some or all of a ny

a m ount recovered.

Things Y ou Must Not Do

You must not do the following without Our

w r itten agreement:

3. a dmit liability, or offer or promise to

m a ke any payment; or

4. sell or otherwise dispose of a ny item or

pr operty for which a Claim is

being made

Recognising Our Rights

You a nd each Person Insured must

r ecognise Ou r right to:

5 . ch oose either to pay the amount of a

Cla im (less any Excess and up to any

Policy limit) or repair, replace or

r einstate any item or property that is

da maged, Lost or stolen;

6. in spect and take possession of any

item or property for which a Claim is

being made and handle any sa lvage in

a r easonable manner;

7 . ta ke ov er and deal with the defence or

sett lement of any Claim in Your

n ame and if a settlement is made

w ithout costs being awarded,

determine what proportion of those

costs sh ould be paid for costs &

ex penses and paid to Us;

8. sett le all Claims in Euros;




32

9. be reimbursed within 30 days for

a ny costs or expenses that are not

insured under this Policy, which

We pa y t o You or on Your behalf;

10. be su pplied at Your expense with

a ppropriate original medical

cer tificates where r equired before

pa y ing a Claim;

11 . r equ est and carry out a medical

ex amination and insist on a post-

m ortem examination, if the law allows

Us to a sk for on e, at Ou r expense.

Fraudulent Claims

We w ill not pay dishonest Claims. If You

m a ke a dishonest Claim, We may cancel

You r cover.

Pay ing Claims

12. Dea t h

A. If You a re 18 y ears old or ov er,

We w ill pay the Claim to Your

esta te and the r eceipt g iven to Us

by Your personal representative

(in most cases, the executor

a ppointed under Your will) shall

be a fu ll discharge of a ll liability

by Us in r espect of the Claim .

B. If You a re aged under 18 years

a n d covered under this Policy as

th e Partner of a Person

Insu red, We will pay any

Cla im for Accidental death to

You r Partner. In a ll other

cir cumstances We will pay any

Cla im for Accidental death to

You r Parent or Legal

Gu a rdian. Your Partner’s or

Pa rent or Legal Gu ardian’s

r eceipt shall be a full discharge of

a ll liability by Us in respect of

th e Claim .

13. A ll other Claims

A. If You a re 18 years or ov er, We

w ill pay the Claim to You and

You r receipt shall be a full

discharge of a ll liability by Us in

r espect of the Claim .

B. If You a re aged under 18 years

a n d covered under this Policy as

th e Partner of a Person

Insu red, We will pay the Claim

to You r Partner for Your

ben efit. In a ll other

cir cumstances we will pay the

a ppropriate benefit amount to

You r Parent or Legal

Gu a rdian for Your benefit.

You r Partner’s or Parent or

Lega l Guardian’s receipt shall

be a fu ll discharge of a ll liability

by Us in r espect of the Claim .



General Conditions

Con ditions that a pply to the whole Policy.

Contract

Th is Policy, the Certificate of In surance and

a ny information prov ided in Your

a pplication will be read together as on e

con tract.

Choice of Law

Th is Policy shall be g overned by and

in terpreted in accordance with the laws of

Por tugal alone shall have jurisdiction in any

dispute. All communication in connection

w ith this Policy shall be in Por tuguese.

Ju risdiction

Th is agreement or any dispute or claim

a r ising out of or in connection with its

su bject matter or formation shall be

su bmitted to the exclusive jurisdiction of the

Por tuguese courts, understood a s insured’s

dom icile.

Third Party Rights

On ly You a nd Us can enforce the terms of

th is Policy. No other party may benefit from

th is contract a s of right. This Policy may be

v aried or cancelled without the c onsent of

a ny third party.

Compliance with Policy Requirements

You (and where relevant Your

r epresentatives), shall comply with a ll

a pplicable terms and conditions specified in

th is Policy. If You do not comply, We will

on ly pay that part of any Claim that We

w ou ld have had to pay if You had complied

in fu ll.

Changing Y our Policy

1 . If You want to change Your Policy

If a ny of the information You have

g iv en Us changes You must telephone

(a n d confirm in writing if We request

You to do so), email or write to Us.

2. If We w ant to change Your Policy

We r eserve the r ight to make changes

or a dd to these Policy terms for legal or

r egulatory r easons and/or to r eflect

n ew industry guidance and codes of

pr a ctice. If this happens We will write

to You w ith details at least 30 days

befor e We make any changes. You

w ill then have the option to continue

w ith or to cancel the Policy.

A ny change made to Your Policy will begin

on th e date that the Certificate of In surance

is issu ed to You by Us.

If We ch ange Your policy and a s a result of

th ose changes You wish to cancel Your

policy , We will send You a pro-rata r efund

u n less You have made a Claim under this

Policy in which case no r efund will be made.

Cancelling Your Policy

If You wa nt to ca ncel Your Policy

A . 14 da y cancellation right

If, for a ny reason, You a re not

sa t isfied with this Policy, You

m ay, within 14 days of receiving

You r Policy and Certificate of

Insu rance contact Us a nd we will

ca ncel it. If this happens the

Policy will h ave provided no

cov er and We will refund a ny

premiums You have paid,

prov iding no Claim(s) have been

reported or paid.

B. Ca ncellation after 14 days

A fter 14 days You may cancel Your

policy, but we will not pay You a

r efund of a ny premium You have paid.

Ou r contact details are:

Ch ubb European Group SE - Sucursal em

Por tugal, Av. da Liberdade, n .º 249, 3rd

Floor , 1250-143 Lisboa.

Telephone: 808 501 055 (cost of a local call)

If We w ant to cancel Your Policy We can

ca ncel this Policy by giving You 30 days

w r itten notice. We will only do this for a

v alid r eason. Ex amples of valid cancellation

r ea sons include attempted or actual fraud,

or w here We are ordered or instructed to

ca ncel this Policy by a r egulator, court, or

oth er law enforcement agency. If We cancel

th e Policy We will r efund any premium

You pa id for the cancelled period prov ided

You h ave not made a Claim under the

Policy during the current

Period of Insurance .

Other taxes or costs

We a r e required to n otify You that other

ta xes or costs may exist which are not

im posed or charged by Us.




34

Misrepresentation and Non-Disclosure

You must take reasonable care to ensure

th at all of the information prov ided to Us in

th e application process, in "Your

Declaration to Us", by correspondence, ov er

th e telephone, on claim forms and in other

documents is true, complete and accurate.

Plea se n ote that providing incomplete, false

or m isleading information could a ffect the

v alidity of this Policy a nd may mean that all

or pa rt of a Claim may n ot be paid. You

a cknowledge that We have offered the

Policy and calculated the premium using the

in formation which We have asked for and

You h ave provided, and that any change to

th e responses provided may result in a

ch ange in the terms and conditions of the

Policy and/or a change in the premium.

Prem ium

In order t o benefit from the coverages

foreseen in this contract, You h ave t o

pa y the agreed premium in the due

da t e.

If You do not pay the agreed premium

t h is contract will be null with no effect

from the very beginning.

Interest

No su m payable by Us u nder this Policy

sh a ll carry interest unless payment has been

u n reasonably delayed by Us following

r eceipt of a ll the required certificates,

in formation and ev idence n ecessary to

su pport the Claim. Where interest becomes

pa y able by Us, it will be calculated only

fr om the date of final receipt of such

cer tificates, information or ev idence.

Bank Charges

We sh a ll n ot be liable for any charges

a pplied by Your bank for any transactions

m a de in relation to a Claim.

Complaints procedures

We a r e dedicated to prov iding a h igh

qu a lity service and want to maintain this at

a ll t imes. If the Policyholder or In sured

Per son a re n ot satisfied with this service,

plea se contact Us, qu oting Your Policy

details, so We can deal with the complaint

a s soon a s possible, a ccording to the

Com plaints Ma nagement Policy of Ch ubb

Eu ropean Group SE, Sucursal em

Por tugal

If You have a complaint a bout the sale of

You r Policy or the Customer Service You

h av e r eceived please contact our complaints

depa rtment:

Ch ubb European Group SE – Sucursal em Por tugal, Av. da Liberdade, n .º 249, 3rd Floor , 1250-143 Lisboa.

E-m a il address: r [email protected] Fa x : 800834239 (cost of a local call)

You can also a ddress Your complaint to the Por tuguese In surance and Pensions Funds Su pervisory Authority – A SF (w ww.asf.com.pt, e-mail con [email protected]).

You can a pproach the Ombudsman Service

for a ssistance if there is dissatisfaction with

Ou r final response or a fter 20 days from

m a king the complaint if n ot resolved

sa t isfactorily. A leaflet explaining the

pr ocedure is available upon request. You

ca n a lso access the contacts details in our

w ebsite:

h ttps://www2.chubb.com/pt-

pt/conformidade-etica/reclama-provedor-

cliente.aspx

Follow ing these complaints procedures does

n ot r educe Your statutory rights relating to

th is Policy. For further information about

You r statutory r ights contact the Citizens

A dv ice Bu reau.

European Online Dispute Resolution Platform

If You a rranged Your Policy with Us

on line or through other electronic means,

a n d have been unable to contact Us either

dir ectly or through the Ombudsman, You

m ay wish to r egister Your complaint

th rough the Eu ropean Online Dispute

Resolu tion platform:

h ttp://ec.europa.eu/consumers/odr/.

You r complaint will then be r e-directed to

th e Ombudsman and to Us to r esolve. There

m ay be a short delay before We receive it.


https://www2.chubb.com/pt-pt/conformidade-etica/reclama-provedor-cliente.aspx



http://ec.europa.eu/consumers/odr/




35

List of A lternative Dispute Resolution

A u thorities (RAL) (established in

a ccordance with Article 20 of t he

2013/11 / EU Directive:

Cen tro de Arbitragem de Conflitos de Con sumo de Lisboa h ttp://www.centroarbitragemlisboa.pt/

Cen tro de Arbitragem de Conflitos de Con sumo do Vale do Ave/Tribunal Arbitral h ttp://www.triave.pt/

CIA B – Cen tro de Informação, Mediação e A r bitragem de Consumo (Tribunal Arbitral de Con sumo) h ttp://www.ciab.pt/pt/

CNIA CC – Centro Nacional de In formação e A r bitragem de Conflitos de Consumo h ttp://www.arbitragemdeconsumo.org/

Cen tro de Arbitragem de Conflitos de Con sumo do Distrito de Coimbra h ttp://www.centrodearbitragemdecoimbra.com

Cen tro de In formação, Mediação e A r bitragem de Conflitos de Consumo do A lgarve h ttp://www.consumoalgarve.pt

Cen tro de In formação de Consumo e A r bitragem do Porto h ttp://www.cicap.pt

Prudential Regulation Authority and Financial Conduct Authority

Ch ubb European Group SE, Registered in

En g land and Wales No. with r egistered

office at Tour Carpe Diem, 31 Place des

Cor olles, Esplanade Nord, 92400

Cou rbevoie, France..

Ch ubbEuropean Group SE is authorised by

th e Autorité de Contrôle Prudentiel et de

Résolu tion (ACPR), with r egistered office at

4 , Place de Bu dapest, CS 92459, 75436

PA RIS CEDEX 09.

Portuguese Insurance and Pensions Funds Supervisory Authority – ASF

Ch ubb European Group SE – Sucursal em

Por tugal” with registered office in Av. da

Liberdade, n .º 249, 3rd Floor, 1250-143

Lisboa , Registered No. 980 350 964, is

su pervised by the Autorité de Contrôle

Pr u dentiel et de Résolution (ACPR) 4, Place

de Bu da pest, CS 92459, 75436 PARIS

CEDEX 09 and by the Autoridade de

Su pervisão de Seguros e Fundos de Pensões

(A SF) with code n.1173.

http://www.cicap/



General Definitions

Th e following words and phrases below will

a lways have the following meanings

w h erever they appear in the Policy and

Cer tificate of In surance in bold type and

sta rting with a capital letter.

A broad

Ou tside Portugal

A ccident, A ccidental

A su dden identifiable violent external ev ent

th at happens by chance a nd which could not

be ex pected; or unavoidable exposure to

sev ere weather.

A dverse Weather

Wea ther of such severity that the police (or

a ppropriate authority) warn by means of

pu blic communications n etwork (including

bu t not limited to television or radio) that it

is u n safe for individuals to a ttempt to travel

v ia the route or iginally planned by You.

A ge Limit

6 4 years old (inclusive) and under at the

da te of taking out the Policy.

A ny One Claim

A ll Claims or legal proceedings including

a ny appeal a gainst judgment consequent

u pon the same original cause, ev ent

or circumstance.

Ch ild, Children

A per son under 18 years of age at the time

th e Policy is purchased.

Ch u bb

Ch ub European Group SE

Ch u bb Assistance

1 . The telephone a dvice, information and cou nselling services; and/ or

2 . the travel assistance and emergency m edical and repatriation services;

a r ranged by Chubb.

Insu rer

Ch ubb European Group SE, Sucursal em

Por tugal.

A v . da Liberdade, n .º 249, 3rd Floor, 1250-

1 43 Lisboa.

Cla im, Claims

Sin gle loss or a series of losses Du e To on e

ca use cov ered by this Policy.

Close Bu siness Colleague

Som eone who You work with in Portugal

a n d who has to be in work in or der for You

to be a ble to g o on or continue a T rip.

Cru ise

A sea or river voy age of more than 3 days in

tota l duration, where transportation and

a ccommodation is primarily on an ocean or

r iv er going passenger ship.

Cu rtail, Cu rtailed, Cu rtailment

Cu t short/cutting short Your Trip .

Doct or

A doctor or specialist, registered or licensed

to pr actise medicine under the laws of the

cou ntry in which they practise

w h o is neither:

1 . a Person Insured; or

2 . a r elative of the Person Insured

m a king the Claim,

u n less a pprov ed by Us.

Du e T o

Dir ectly or indirectly caused by, arising or

r esulting from, or in connection with.

Eu rope

A lbania, Andorra, Austria, Belarus, Belgium,

Bosn ia -Herzegov ina, Bulgaria, Canary

Isla n ds, Channel Islands, Croatia, Czech

Repu blic, Denmark, Eire, Estonia, Finland,

Fr a nce, Germany, Gibraltar, Greece,

Hu ngary, Iceland, Isle of Ma n, Italy, Latvia,

Liechtenstein, Lithuania, Luxembourg,

Ma cedonia, Ma deira, Mediterranean Islands

(in cluding Ma jorca, Menorca, Ibiza; Corsica;

Sa r dinia; Sicily; Ma lta, Gozo; Crete, Rhodes

a n d other Greek Islands; Cyprus), Moldova,

Mon a co, Netherlands, Norway, Poland,

Por tugal, Romania, Ru ssian Federation

(West of Urals), Serbia and Mon tenegro,

Slov akia, Slov enia, Spain, Sweden,

Sw itzerland, Turkey, Ukraine, United

Kin gdom.

Excess

Th e first amount stated in the Table of

Ben efits of any Claim which each Person

Insu red must pay for each Section of the

Policy that is claimed under.




37

Im m ediate Family Member

You r Partner or fiancé(e) or the

g r andchild, child, brother, sister, parent,

g r andparent, step-brother, stepsister, step-

pa r ent, parent-in-law, son- in-law,

da ughter-in-law, sister-in-law, brother-in-

la w, aunt, uncle, n ephew, niece, of You or

You r Partner, or anyone noted as n ext of

kin on any legal document, all of whom

m ust be resident in Portugal, and not any

Person Insured .

Insu red Adult

A per son named in the Certificate of

In su rance between the ages of 18 and 64

(in clusive) and who is r esident in Portugal

a n d is in Portugal when taking out the

in surance.

Lega l Expenses

1 . Fees, expenses, costs/expenses of

ex pert witnesses and other

disbursements reasonably incurred by

th e Legal Representatives in

pu r suing a Claim or legal proceedings

for damages and/or compensation

a g ainst a third party who has caused

a ny Persons Insured Accidental

bodily injury or illness or in a ppealing

or r esisting an appeal against the

ju dgment of a Court, tribunal

or a r bitrator.

2 . Costs for which You are legally liable

follow ing an award of costs by any

cou rt or tribunal or an out of Court

sett lement made in connection with

a ny Claim or legal proceedings.

Lega l Representatives

Th e solicitor, firm of solicitors, lawyer,

a dv ocate or other appropriately qualified

per son, firm or company appointed to act on

You r behalf.

Loss, Lost , Losses

You r Personal Property, Mon ey , or

pa ssport and/or driving licence that are

cov ered under this Policy:

1 . h av e been accidentally or

u n intentionally left in a location and

th ey have then disappeared; or

2 . a r e in a known location, but You are

n ot r easonably a ble to r etrieve

th em; or

3 . h av e disappeared and You are n ot

su r e h ow it has happened

Loss of Lim b

A mputation or total and permanent loss of

u se of on e or more hands at or abov e the

w r ist or of on e or more feet above the ankle

(ta lo-tibial joint).

Loss of Sigh t

1 . In both eyes:

Per manent blindness, which based on

m edical ev idence You will never

r ecov er from, and which results in

You r name being a dded (on the

a u thority of a qualified ophthalmic

specialist) to the Register of Blind

Per sons maintained by

th e gov ernment.

2 . In on e ey e:

Per manent blindness, which based on

m edical ev idence You will never

r ecov er from, in a n eye to the degree

th at, after correction using spectacles,

len ses or surgery, objects that should

be clear from 60 feet away can only be

seen from 3 feet away or less.

Mobility Aid, Mobility A ids

A ny crutch, walking stick, walking frame,

w h eeled walking frame, walking trolley,

ev acuation chair, wheelchair, powered

w h eelchair or mobility scooter constructed

specifically to a id persons suffering from

r estricted mobility but excluding any golf

bu ggy or g olf trolley.

Mon ey

Coin s, banknotes, traveller’s cheques, postal

or m oney orders, travel tickets, pre-paid

v ouchers, non-refundable pre-paid entry

t ickets a nd debit, credit, payment,

pr epayment and/or charge cards.

One wa y Trip (outward flight on ly):

Is a T rip that commences upon leaving your

h om e and ends after leaving passport

con trol at your destination, including any

stopov ers on your Trip to your destination

of u p to 24 h ours

Pa rent or Legal Guardian

A per son with parental r esponsibility, or a

leg al guardian.




38

Pa rtner

You r spouse or civil partner (registered

pu r suant to the Civil Partnership Act) or

som eone of either sex with whom You h ave

been living for a t least three months as

th ough they were Your spouse or

civ il partner.

Period of Insurance

Per iod of cov er commencing a t 00.01 or any

la ter time the Certificate of In surance is

issu ed and ending on the date shown on

You r Certificate of In surance.

Prem ium

Tota l amount, including Taxes and all

a pplicable charges that the Policyholder

m ust pay for the In surance.

Permanent Disability

A ny form of functional disability which has

la sted for at least 12 months and from

w h ich, based on medical evidence, You will

n ev er recover.

Permanent Total Disablement

1 . If You w ere in gainful employ ment a t

th e date of the Accident:

A Permanent Disability which

stops You from carrying out gainful

em ploy ment for which You are fitted

by way of training, education or

ex perience; or

2. If You were not in gainful employ ment

a t the date of the A ccident:

A for m of Permanent Disability

ca lculated on a medical assessment by

Us or a n independent medical expert

a ppointed by Us, which r esults in

You r inability to perform, without

a ssistance from another person, at

lea st 2 of the following activities of

da ily living:

• ea t ing;

• g etting in and out of bed;

• dr essing and undressing;

• toileting; or

• w a lking 200 metres on

lev el ground

Person al Property

1 . A ny suitcase, trunk or container of a

sim ilar kind and its contents;

2. a ny Mobility Aid;

3. V a luables,

4. a ny other article worn or carried by

You ; that is not otherwise excluded

a n d which is either owned by You or

for w hich you are legally responsible.

Pu blic Transport

A ny air, land or water vehicle operated

u n der licence for the transportation of fare-

pa y ing passengers and which runs to a

sch eduled published timetable.

Repa ir a nd Replacement Costs

Th e cost of repairing partially damaged

pr operty, or, if property is totally Lost or

destroy ed or uneconomical to repair, the

cost of r eplacing property as n ew less a

dedu ction for wear, tear or depreciation.

(Note: We will pay a reasonable proportion

of th e total value of a set or pair to r epair or

r eplace an item that is part of a set or pair).

Rou nd Trip (outward and return

fl ight):

Is a T rip that commences upon leaving your

h om e including any stopov ers on your

ou tward and return T rip to your

dest ination of u p to 24 hours, and ends

u pon your return to your place of r esidence

su bject to a maximum duration of 30 days.

T ravelling Com panion(s)

Som eone You have arranged to go on Trip

w ith and who it would be unreasonable to

ex pect You to travel or continue Your Trip

w ithout.

T rip

A jou rney A broad involving pre-booked

tr avel or accommodation.

Una ttended

Wh ere You are n ot in full v iew of or in a

posit ion to prevent unauthorised taking or

in terference with Your Personal

Property or vehicle.

Port ugal

Con tinental Portugal and archipelagos of

A çores and Ma deira,

V a luables

Ca meras and other photographic

equ ipment, telescopes and binoculars,

a u dio/v ideo equipment (including radios,

iPods, mp3and mp4 players, camcorders,

DV D, v ideo, televisions, and other similar

a u dio and v ideo equipment), mobile

ph on es, satellite navigation equipment,

com puters and computer equipment




39

(in cluding PDA s, personal organisers,

la ptops, notebooks, netbooks, iPads, tablets

a n d the like), computer games equipment

(in cluding consoles, games and peripherals)

jew ellery, watches, furs, precious and semi-

pr ecious stones and articles made of or

con taining gold, silver or other

pr ecious metals.

Wa r

A rmed conflict between nations, invasion,

a ct of foreign enemy, civil war or taking

pow er by or ganised or military force.

We, Us, Ou r, Ou rselves

Ch u bb European Group SE, Sucursal

em Portugal.

Winter Sports

Big foot skiing, bobsleighing, cross-country

skiing, glacier skiing, h eli-skiing, kite

sn ow boarding, langlauf, luging, mono-

skiing, skidooing, skiing, ski acrobatics, ski

fly ing, ski jumping, ski racing, ski touring,

sledg ing, sn ow blading, snowboarding,

sn owmobiling, speed skating, tobogganing.

You , Your, Person(s) Insured

A ll persons named in the Certificate of

In su rance within the Age Limit being

r esident in Portugal. Ea ch person is

sepa rately insured with the exception of a ny

Ch ild unless travelling with an

Insu red Adult.


Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176.662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Grou p SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de

Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n.1173.

40

Data Protection

We u se personal information which you

su pply to us or, where applicable, to y our

in surance broker in or der to write and

a dminister this Policy, including any claims

a r ising from it.

Th is information will include basic contact

details such as your name, address, and

policy number, but may also include more

detailed information a bout y ou (for

ex ample, your age, health, details of a ssets,

cla ims history) where this is relevant to the

r isk we are insuring, services we are

pr ov iding or to a claim y ou are reporting.

We a re part of a global group and y our

per sonal information may be shared with

ou r group companies in other countries a s

r equ ired to prov ide coverage under your

policy or to store y our information. We also

u se a number of trusted service providers,

w h o will also have a ccess to y our personal

in formation subject to our instructions and

con trol. Some of the recipients may be

ba sed in territories, like the US, with a level

pr otection of pr ivacy not equivalent to the

on e en joy ed in the European Union.

You have a number of r ights in relation to

y our personal information, including r ights

of a ccess a nd, in certain circumstances,

r ectification, erasure, restriction of

pr ocessing, data portability, objection and

r ev iew of automated individual decisions.

Th is section represents a condensed

ex planation of how we use your personal

in formation. For more information,

ch ecking the identity of our Da ta Protection

Officer and knowing how to exercise your

da ta rights, we strongly recommend y ou

r ea d our user-friendly Ma ster Privacy

Policy , available here:

h ttps://www2.chubb.com/uk-

en /footer/privacy-policy.aspx. You can a sk

u s for a paper copy of the Privacy Policy at

a ny time, by contacting u s a t

da [email protected] .

Language

Upon r equest from the policyholder, the

pa r ties agree that this policy was written in

En g lish language.

T h e actions a rising from this

Insu rance Contract will expire within

fiv e (5) y ears. The limitation period begins

sin ce the knowledge of the right.


Chubb European Group SE, i nsurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Espl anade N ord, 92400 Cour bevoie, Fr ance, a company registered in N anterre under number RCS 450 327

37 4, w i th a fully paid share capital of 896.1 76.662€, gov er ned by the provisions of the French insurance Code,

oper ating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Por tugal", domi ci led at Avenida da Li berdade, 249, 3r d Fl oor, 1 250-1 43 Li sboa, r egistered at the Commercial Registry

Of f i ce with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel

et de Résol ution (ACPR) 4, Pl ace de Budapest, CS 92459, 7 5436 PARIS CEDEX 09 and by the Autoridade de Super visão de Seguros e Fundos de Pensões (ASF) with code n.1 173.

Contact Us

Ch ubb European Group SE, Sucursal em

Por tugal

A v . da Liberdade, n .º 249, 3rd Floor, 1250-143

Lisboa

About Chubb

Ch ubb is the world’s largest publicly traded

pr operty and casualty insurer. With operations

in 54 countries, Chubb prov ides commercial

a n d personal property and casualty insurance,

per sonal accident and supplemental health

in surance, reinsurance and life insurance to a

div erse group of clients.

Th e company is distinguished by its extensive

pr oduct and service offerings, broad

distribution capabilities, exceptional financial

str ength, underwriting excellence, superior

cla ims handling expertise and local

oper ations globally.

Th e insurance companies of Chubb serve

m ultinational corporations, midsize and sm all

bu sinesses with property a nd casualty

in surance and services; affluent and high n et

w or th individuals with substantial assets to

pr otect; individuals purchasing life, personal

a ccident, supplemental health, home and car

in surance and other specialty insurance

cov erage; companies and affinity groups

pr ov iding or offering a ccident and health

in surance programmes and life insurance to

th eir employ ees or members; and insurers

m anaging exposures with reinsurance cov erage.

Ch ubb’s core operating insurance com panies

m a intain financial strength ratings of AA from

Sta ndard & Poor ’s and A++ from A .M. Best.

Ch ubb’s parent company is listed on the New

Yor k Stock Exchange (NYSE: CB) and is a

com ponent of the S&P 500 index.

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