Multi-risks travel insurance policy RYE Italian Multidistrict
Multi-risks travel insurance policy RYE Italian Multidistrict
Youth Exchange Program (YEP) UE vs Italy
Rotary International - Youth Exchange Program (YEP) –
UE vs Italy
SUMMARY SCHEDULE OF COVERAGE AND BENEFITS
Last update: v. 03/2017
XXX ha acquisito CHUBB, dando vita così a una compagnia leader a livello globale nel settore assicurativo, che opererà sotto il rinnovato nome di Chubb.
ACE European Group Limited avente sede legale a Londra, 000 Xxxxxxxxxx Xx., XX0X 0XX (UK) e Rappresentanza generale per l'Italia a Milano, in Xxxxx Xxxxx 000 - 00000 Xxxxxx. Tel. 02 27095.1 - Fax 02 27095.333 è abilitata ad operare in Italia in regime di stabilimento nei Rami Danni con numero di iscrizione all’albo IVASS I.00043. L’attività in Italia è regolamentata dall'IVASS, con regimi normativi che potrebbero discostarsi da quelli del Regno Unito. Autorizzata dalla Prudential Regulation Authority e soggetta anche alla vigilanza del Financial Conduct Authority e del Prudential Regulation Authority. Per maggiori dettagli consultare il sito xxx.xxx.xxx.xx/xxxxxxxx e il sito xxx.xxxxx.xx sezione imprese.
Coverage Plan for LTEP Inbound Students
This document represents the Summary Schedule of coverage and benefits envisaged by collective policy no. ITBOTY05338 subscribed by the Associations formed to manage the Rotary International Youth Exchange Program, as specified in the Policyholder definition of this insurance policy stipulated with ACE European Group Ltd. (Insurance Company). In this Schedule the following definitions are valid:
▪ Abroad or foreign Country: All Countries of the world excluding Italy.
▪ Accident: an event due to violent, accidental and external cause which results in physical injuries that can objectively be ascertained.
▪ Assistance: prompt aid, in cash or in kind, provided through Chubb Assistance to the Insured who is in difficulty due to the occurrence of a claim.
▪ Associated district: this wording refers to all Italian districts which participate in the “Association for the Rotary International Youth Exchange Program”, in accordance with the relative Articles of Association that have been approved and are in force.
▪ Baggage: clothing items, personal hygiene items, photo/video equipment and the bag, suitcase or backpack which contain these items and which the Insured is bringing with him on the trip.
▪ Broker: the intermediary who is regularly registered within the Sole Registry of Insurance Brokers and recognized by the parties and to whom the Policyholder has delegated the management of the Master policy through a specific mandate.
▪ Chubb: the insurance Company, i.e. ACE European Group Ltd.
▪ Chubb Assistance: IMA Servizi S.c.a.r.l – Xxxxxx Xxxxx Xxxxxxxxxx 00, 00000 Xxxxx Xxx Xxxxxxxx (XX). Xx is provided with doctors, technicians and operators and operating 24 hours a day, all year round, the organisation ensures phone contact with the Insured, organises action on the spot and provides the assistance services under this Insurance Contract with costs charged to Chubb.
▪ Company: the insurance Company, i.e. ACE European Group Ltd.
▪ Country of origin: the nation specified in the passport of the Insured student.
▪ Date of effectiveness/subscription: the day in which the premium was paid.
▪ Disease: any alteration in the state of health of an individual which does not derive from accidents i.e., for the purposes of this contract, any involuntary deterioration in health which can be ascertained by professional medical personnel.
▪ District: all districts which are part of the Rotary International and participate in the Youth Exchange program.
▪ Force majeure: any external, extraordinary and unpredictable energy, that prevents the Insured to be compliant with the obligations relating to the procedure to be followed in the event of claims.
▪ Foreign countries: all countries of the world except Italy.
▪ Host family: the family nucleus residing in Italy and to which the Insured has been assigned during his/her stay.
▪ Insured: the student which subscribed the Master policy and whose candidacy has been accepted by the Districts associated with MD Italia in order to participate in the young exchange program of Rotary International as a host in Italy.
▪ Italy: the territory of the Italian Republic, the Republic of San Marino and the Vatican City State.
▪ Master policy: document which proves the existence of the insurance stipulated, in accordance with Article 1891 of the Italian Civil Code, by a Policyholder on behalf and in the interest of a group of insured parties.
▪ Policyholder: the party which undersigns the insurance policy for him(her)self or on behalf of third parties and assumes its relative charges. In the case of this policy:
- the “Associazione per il Programma Scambio Giovani Rotary International” (henceforth referred to as the “Multidistretto Italiano Scambio Giovani”” or also “MD Italia”), with a registered office in Xxx Xxxxx xx. 0, 00000 xx Xxxxxxx (XX), tax ID no. 97609050584.
▪ Pre-existing disease: a disease which is the expression or direct consequence of chronic pathological conditions or which existed prior to the date of effectiveness of the insurance policy and which were not known to the Insured prior to the subscription of the policy.
▪ Prior disease: a pre-existing disease which was known to the Insured prior to the subscription of the policy.
▪ Residence: the country where the Insured has a stable home, as reported in documentation pertaining to a personal data certification.
▪ Subscription Certificate: the document drafted and issued by the Company which confirms the activation of the insurance coverage, in accordance with the request for application for the Master policy sent from the Insured through the entrusted broker which specifies the Insured, the travel details and the relative premium.
▪ Trip: the period of stay in Italy of the Insured so long as this stay is duly authorized in advance by MD Italia and by the relative Associated District, in accordance with currently effective rules for the travels of exchange students of Rotary International. The period of stay in Italy also includes leisure trips abroad, if authorized in advance by the hosting Associated District and organized by the latter or by the hosting family or by the school, and within a limit of 30 (thirty) total days, even non-continual. Travel on the part of the Insured within his/her country of origin is, in any case, excluded.
Eligibility
All students aged under 30 (thirty) are eligible, whose applications have been accepted by the Member Districts of MD Italia, which participate in the Rotary International youth exchange program as guests.
Purpose Of The Insurance
The insurance coverage of this policy covers:
1. the period of Insured stay in Italy, seat of Rotary Youth Exchange Program (YEP), so long as the stay is duly authorized in advance by MD Italia or by the relative Associated District, in accordance with currently effective rules for the travels of exchange students of Rotary International.
The period of stay in Italy also includes leisure trips abroad, if authorized in advance by the hosting Associated District and organized by the latter or by the hosting family or by the school, and within a limit of 30 (thirty) total days, even non-continual.
Travel on the part of the Insured within his/her country of origin is, in any case, excluded.
2. the journey of the Insured from the moment he leaves his home / residence to go to the host Country and from the moment he leaves the host Country to return to his residence, as stated in the related travel documents.
This additional coverage period may not exceed a maximum of 48 h before the Insured arrival in Italy and 48 h after the Insured departure from Italy, with the exception of objective and external impediments that occurred during the journey, which can be duly documented and not attributable to the Insured’s will, which prevent journey fulfillment within 48h.
Effect And Duration Of Coverage
The coverage will be effective from 00:00 h on Coverage effective date until 24:00 h on Coverage end date, as stated on Subscription Certificate and in any case, for a maximum period of 365 days from Coverage effective date.
The coverage is not effective when the Insured is abroad, with the exception of leisure travel that is duly authorized in advance by the hosting Associated District and organized by the latter or by the hosting family or by the school, and within a limit of 30 (thirty) total days, even non- continual.
The coverage is not applicable when the Insured is located within his/her country of residence/origin, except for the period in point 2 of section “PURPOSE OF THE INSURANCE” here above.
Insurance Coverage And Benefits
In the event of a conflict between this document and the content of Insurance Terms and Conditions, the latter shall prevail.
Assistance during the trip | Insurance limit(€) | Deductible (€) |
Telephone consultation with a doctor | No limit | No |
Sending a doctor following telephone consultation with a doctor (only in Italy) | Max.3 times per Insured | No |
Medical transfer | 4,000 per Insured | 200 per claim |
Medical repatriation | 80,000 per Insured | 200 per claim |
Repatriation of the Insured’s body | 40,000 per Insured | 200 per claim |
Evacuation for safety reasons | 80,000 per Insured | 200 per claim |
Trip of a family member in the even the Insured is hospitalised | 4,000 per Insured (max. 75 € per day/overnight stay) | 200 per claim |
Death and permanent total disablement | Insurance limit (€) | Deductible (€) |
Death following an accident | 50,000 per Insured | No |
Permanent disablement following an accident | 50,000 per Insured | No |
- in the event of the loss of one or more members | 100% of the insured limit of insurance | 200 per claim |
- in the event of the loss of one member | 50% of the insured limit of insurance | 200 per claim |
- in the event of the loss of the thumb and index finger of the same hand | 50% of the insured limit of insurance | 200 per claim |
- in the event of quadriplegia | 100% of the insured limit of insurance | 200 per claim |
- in the event of paraplegia | 50% of the insured limit of insurance | 200 per claim | |
- in the event of hemiplegia | 50% of the insured limit of insurance | 200 per claim | |
in the event of accidents following amateur sports activities | 20,000 per Insured | No | |
Interruption of the trip | Insurance limit (€) | Deductible (€) | |
Cover for the interruption of the trip | 2,400 per Insured | 200 per claim | |
Protection of baggage and personal effects | Insurance limit (€) | Deductible (€) | |
Theft/loss/damage/failure redelivery of baggage or of personal effects | 1,500 per Insured | 150 per claim | |
- limit of compensation per object | 150 per claim | No | |
Emergency replacement expenses due to late delivery of baggage (> 12h) | 200 per claim | No | |
Personal liability | Insurance limit (€) | Deductible (€) | |
Civil liability towards third parties for damage to objects, persons and animals | 400,000 per Insured | 200 | |
- in the event of damage caused to the home/belongings of the host family | 4,000 per Insured | 200 | |
Main Exclusions And Limitations
The following is a list of the main exclusions and limitations, merely by way of example and is not limited to the same (for a full list of exclusions and limitations, refer to the Insurance Terms and Conditions):
- students above the age of 30 (thirty) cannot be insured;
- trips to the country of residence/origin of the Insured;
- trips abroad not authorised by the host Member District;
- trips to a country where, at the time of departure, are subject to a prohibition or limitation (even temporary) issued by the competent Public Authority;
- extreme trips to remote locations that can only be reached with the use of special vehicles;
- the direct organisation of all of the services envisaged, or, in any event, without the prior authorisation of the Assistance Centre;
- illnesses which are a manifestation of or direct consequence of chronic or pre-existing conditions at the start of the trip and known by the Insured;
- drug addiction, HIV or AIDS;
- fraudulent intention, voluntary or premeditated acts by the Insured;
- the consequences of the abuse of alcohol or of the use of psychoactive drugs or narcotic drugs for non-medicinal purposes;
- participation in sports competitions or relative training, unless they are for recreational purposes;
- practice of aerial or air-related sports in general, extreme sports, reckless pursuits and any sport exercised professionally or which, in any event, entails direct or indirect payment.
OFAC” LIMITATION FOR COUNTRIES EXPOSED TO INTERNATIONAL SANCTIONS
The Insurer shall not be required to provide coverage or will be obliged to pay any compensation or pay any benefit under this policy if the provision of such coverage, the payment of such compensation or recognition of such benefit would expose the Insurer to penalties, prohibitions or restrictions provided for by the United Nations resolutions or trade and economic sanctions provided for by the laws or regulations of the European Union and individual countries that are part, of the United States of America or conventions international.
ACE European Group Limited is a subsidiary of Chubb Limited, a U.S. company listed on the NYSE. Consequently, ACE European Group Limited is subject to certain U.S. laws and regulations regulations in addition to EU, UN and national sanctions restrictions which may prohibit it from providing cover or paying claims to certain individuals or entities or insuring certain types of activities related to following countries and territories: Iran, Syria, North Korea, North Sudan, Cuba and Crimea.
Obligations Of The Insured In The Event Of A Claim
Conditions that apply to all coverages and benefits of this Policy.
1. In case of accident or sudden disease during the trip, if the Insured needs to request “Travel Assistance” and “Medical Expenses”: hospital inpatient treatment, specialist treatment, medical tests, scans or medical repatriation,
Insured or his personal representative must contact immediately Chubb Assistance available 24 hours a day, 365 days a year at following
contacts:
🕿: 800 658658 (from Italy)
🕿: x00 00 00000 000 (from abroad)
🖂: xxxxxxxx.xxxxxxxxx@xxxxxxxxx.xx.
If Chubb Assistance is not contacted, Chubb may reject the Claim or reduce the payment.
2. All other Claims,
the notification of the claim - along with all documentation required to assess the loss - must be sent to one of the following addresses:
🖂: xxxxxxxxxxxx.xxxxx@xxxxx.xxx
🖷: 02 27095447
by writing:
ACE European Group Ltd - Ufficio Sinistri Travel (Claims Office), Xxxxx Xxxxx 000, 00000 Xxxxxx.
The Insured or the party acting on behalf of the latter must notify the claim to Chubb immediately or within 30 (thirty) days from the date of occurrence of the loss – 6 (six) days for claims related to Personal liability coverage - supplying Chubb with all documents that are useful for managing the loss and without prejudice to the right of Chubb to request, for the purposes of liquidation, any additional documentation with respect to that which is contractually required as well as the right to enforce, at any time and in any case, potential exceptions even if has begun the liquidation of the insurance guarantees.
How To Activate The Policy
When the student receives confirmation that his application has been approved from the host Member District, he/she may go to the following website xxxx://xxx.xxxxxxxxxxxxxxxxx.xxx and click on: “Rotary YEP”, then:
1. read the Insurance Terms and Conditions of the Master policy no ITBOTY05338_RY0001;
2. enter his/her personal details and those relating to the stay in Italy on the appropriate form requesting subscription;
3. provide his/her consent to the processing of personal details and the required declarations requested;
4. pay the premium with a credit card. The policy premium is calculated on the basis of the duration of the Insured’s stay in Italy, according to the following:
During of the trip | Gross per capita premium per student |
Up to 3 (three) months | 55 € per month or part of a month (of which taxes of €5.91) |
From 4 (four) months to 1 (one) year | 400 € for the entire year (of which taxes €42.96) |
After completing the purchase process, the Insured will receive confirmation of the success of the transaction and subsequently via e-mail will receive the policy documents (Insurance Terms and Conditions and Summary schedule of coverage and benefits) including the Subscription Certificate, which must be signed and returned to the Broker authorised to manage the Master policy by e-mail to xxx@xxxxxxxxxxxxxxxxx.xx or fax to no. x00.00.00.00.00.00 or by post to LC Larizza Consulting srl Xxx Xxxxx Xxxx 00, 00000 Xxxxx - Xxxxx.
Right Of Withdrawal
The Insured will have the right to unilaterally withdraw from the policy, without having to specify the reason:
- within 48 (forty-eight) hours prior to the date when the Insured leaves his abode in his Country of residence or origin to participate to the trip;
- only in cases in which the policy has been purchased in the 14 (fourteen) day period prior to the date of arrival in Italy, the above-cited right can also be exercised after the date of arrival in Italy. In this case, the right of withdrawal may be exercised for a 14 (fourteen) day period from the date of purchase/subscription to the Master policy.
In the event of withdrawal, the policy premium will be returned, net of taxes due, if already paid by the Company, without the application of any penalty.
To exercise the right of withdrawal, the Insured must advise the Broker of his/her intention to withdraw via electronic mail to xxx@xxxxxxxxxxxxxxxxx.xx or by fax to no. x00.00.00.00.00.00 or by registered letter to LC Larizza Consulting srl Xxx Xxxxx Xxxx 00, 00000 Xxxxx. The Broker will inform the Company of said withdrawal.
Information Note On Personal Data Processing
(Disclosure pursuant to art. 13 of Italian Legislative Decree no. 196/03 – Code for the protection of personal information)