A.1. BEFORE THE TRIP

A.1.1 SERVICE ACTIVATION

Some ASSIST-CARD products must be activated prior to the beginning of a trip abroad. Only if and when your voucher or ID card include the following phrase: "ACTIVATE PRIOR TO YOUR TRIP" follow the instructions below:

· The activation of the ASSIST-CARD must always be requested before starting the trip. Activation requests will not be accepted once a trip has commenced, except in conditions as described below.

· You can request the activation of additional days whenever needed, as long as the sum of the activated days does not exceed the amount of days purchased and established within your voucher.

· In order to request the activation of the service please contact, before starting the trip, the ASSIST-CARD office in the country where the card was purchased. The following information will be required: Name, voucher and/or ASSIST-CARD number and the starting and ending dates of your trip.

· The ASSIST-CARD operator will assign you an Activation Code. Please record it, as well as the activated days, in the spaces provided below for this purpose. You will be asked for these data whenever you request assistance and they are essential to be able to access to the benefits described in the General Conditions of the ASSIST-CARD Services.

· Should you need to unexpectedly extend your trip abroad, you may request the activation of additional ASSIST-CARD days. This can be done as long as the required days are available for use. Check below your available days. This new Activation can only be requested before the expiration date of the previous or original Activation. Once the total of days available is surpassed or once the validity of the card has expired, you may request a new ASSIST-CARD card according to what is established in Clause C.5.15 "Extension of the ASSIST-CARD Services due to trip prolongation" of the present General Conditions of the ASSIST-CARD Services.

Enter below the activation code for each trip:

IMPORTANT: The benefits described in the General Conditions of the ASSIST-CARD Services will not be valid whatsoever if the ASSIST-CARD card was not activated prior to the initiation of the trip and the Card Holder does not have the corresponding Activation code.

A.1.2 VERIFICATION

· Verify that all data contained within your voucher and ASSIST-CARD card are correct. Pay special attention to telephone numbers that you may have indicated as emergency contact numbers as well as the validity dates and the desired product are correct. Should errors be found, immediately contact the ASSIST-CARD office of the country where the Card was issued in order to have them corrected. The local office telephone number can be found in the "TELEPHONE LIST".
· Remove from the document-holder the ID Card and the extendable Telephone List and place them in a readily available place (i.e. your wallet).

· Attach the Luggage Tags to your luggage.
· Affix the ASSIST-CARD stickers to the back cover of your passport as well as on the cover of your flight tickets coupons. This will expedite recovery in case of loss.

· Carefully read the Instructions for the Proper Use and the General Conditions of the ASSIST-CARD Services and verify that the voucher and the ID card indicate the characteristics of the product purchased.

A.1.3 TRIP CANCELLATION
In case the product you purchased includes the GUARANTY OF TRIP CANCELLATION OR INTERRUPTION and you must cancel the trip due to the circumstances described in Clause D.4., inform this fact, peremptorily and within the 24 hours of its occurrence, to the ASSIST-CARD office in the country of issuance of the card or in the country you are at that moment and proceed according to what is established in Clause D.4. ASSIST-CARD will then proceed to verify the informed event through its Medical Department.

A.2. DURING THE TRIP

A.2.1 HOW TO CONTACT AN ASSIST-CARD ALARM CENTER

· Within the ASSIST-CARD document-holder you will find the unfolding ASSIST-CARD Telephone List with the complete list of the ASSIST-CARD Alarm Centers' telephone numbers.

· Find the toll free numbers for the closest ASSIST-CARD Alarm Center at the back of your ID card or in the unfolding Telephone List. Should there be no "Toll-Free" number for the country you are in, contact the closest ASSIST-CARD Alarm Center by placing a "Collect Call". If this is not possible then please pay for the phone call and submit the receipt for reimbursement once you return to your country of origin.

· In the event that there is no ASSIST-CARD Alarm Center in the country you are visiting, contact the corresponding Regional Alarm Center as per the ASSIST-CARD Telephone List.

· In order that the cost of the Collect Call is charged to ASSIST-CARD, it is imperative that you inform the hotel/company operator that you want to place such a call.

· Should the communication to the nearest ASSIST-CARD Alarm Center be impossible due to line problems or communication breakdowns then proceed to contact the ASSIST-CARD Regional Alarm Center that corresponds to the country you are in or any other ASSIST-CARD Alarm Center. ASSIST-CARD Alarm Centers generally operate 24 hours a day.

Before calling to request our services, have the following information at hand:
· Your voucher or ASSIST-CARD ID card.
· Area code and telephone number where you may be contacted.
· Data of the location where you are (domicile, hotel, etc).

A.2.2 THE NATURE OF YOUR PROBLEM ALLOWS YOU TO REQUEST THE ASSIST-CARD SERVICES

Contact ASSIST-CARD and carefully follow the instructions given by the ASSIST-CARD coordinator on duty. The effectiveness of the assistance will depend on this procedure.

A.2.3 THE HEALTH PROBLEMS IS SERIOUS, THE NEED FOR ASSISTANCE IS URGENT AND YOU ARE UNABLE TO REQUEST THE SERVICE TO OUR ALARM CENTERS

· In this case, it is essential that you be immediately assisted where you are and by the professionals and/or medical establishments that can take best care of you.
· However, unfailingly within the 24 hours following the event, you or any accompanying person, must call the nearest ASSIST-CARD Alarm Center and supply all information related to the emergency experienced and the assistance received.
· Thus our Alarm Center will be able to immediately contact the medical facility where you are and monitor all phases of the assistance. Carefully follow these instructions since the fact that ASSIST-CARD takes upon the involved expenses will depend on the compliance of this procedure, as described in Clause C.7.2 of the General Conditions of the ASSIST-CARD services.

A.2.4 INSTRUCTIONS IN THE EVENT OF LOST LUGGAGE

1. Proceed to the airline counter or individual in charge in the luggage claim area as soon as you confirm that your luggage is missing.

2. Request and complete a P.I.R. (Property Irregularity Report) that must be provided by the airline.

3. Before leaving the airport, call the nearest ASSIST-CARD Alarm Center or if ASSIST-CARD has a counter at the airport, go there to report that your luggage has been lost.

4. Provide ASSIST-CARD your temporary local address and your future itinerary.

5. Verify in Clause D.1. of the General Conditions of the ASSIST-CARD Services the conditions applicable to the insurance coverage which are included free of charge in some of the ASSIST-CARD products.

A.2.5 INSTRUCTIONS IN THE EVENT OF EXCESSIVELY DELAYED OR CANCELLED FLIGHTS

1. If your flight is cancelled or delayed for more than 6 hours, obtain from the airline the corresponding written proof.

2. Before leaving the airport call the nearest ASSIST-CARD Alarm Center in order to notify the flight delay or cancellation.

3. Always obtain receipts for expenses incurred and related to the flight delay or cancellation (i.e. taxis, lodging, meals and telephone) in order to request the corresponding reimbursement to ASSIST-CARD.

4. Verify in Clause D.1. of the General Conditions of the ASSIST-CARD Services, as well as in your voucher the conditions applicable to reimbursements in case of flight delay or cancellation and corresponding to the product you purchased.

IN ORDER TO BE FULLY AWARE OF THE ASSIST-CARD SYSTEM AND THE MANY SERVICES WE PROVIDE TO OUR CUSTOMERS, WE RECOMMEND THOROUGH READING OF THE INSTRUCTIONS FOR THE PROPER USE OF THE ASSIST-CARD SERVICES AND THE GENERAL CONDITIONS OF THE ASSIST-CARD SERVICES

VERIFY WITHIN YOUR ASSIST-CARD VOUCHER THE CHARACTERISTICS AND LIMITATIONS OF THE PRODUCT YOU PURCHASED.

B. INDEX

C. GENERAL CONDITIONS OF THE ASSIST-CARD SERVICES - TRAVELERS' ASSISTANCE CONTRACT-

C.1. PRELIMINARY CONSIDERATIONS

C.2. DEFINITIONS

C.3. LIST OF COUNTRIES WITH ASSIST-CARD SERVICES

C.4. ASSIST-CARD SERVICES
C.4.1 Medical Assistance
C.4.2 Exclusion of pre-existing and chronic illnesses
C.4.3 Medical Transfers
C.4.4 Medical Repatriations
C.4.5 Minors' escort
C.4.6 Transfer of a relative
C.4.7 Stay of a Card Holder's relative
C.4.8 Difference in Airfare due to delayed or early return
C.4.9 Hotel expenses due to convalescence
C.4.10 Reimbursement of expenses due to delayed or cancelled flight
C.4.11 Transfer of executives due to an emergency
C.4.12 Transmission of urgent messages
C.4.13 Assistance in the event of lost or stolen documents, etc.
C.4.14 Early return due to serious disaster at home
C.4.15 Funerary Repatriation
C.4.16 Luggage location
C.4.17 Legal assistance in case of responsibility in an accident
C.4.18 Cash advance for bail bonds
C.4.19 Legal assistance to file claims in case of an accident

C.5. GENERAL STIPULATIONS
C.5.1 Card Holder
C.5.2 Territorial Validity
C.5.3 Temporary Validity
C.5.4 Consecutive days per journey
C.5.5 Determining the kind of product/service
C.5.6 Applicable Limits
C.5.7 Expiration date
C.5.8 Recording and monitoring of Telephone Conversations
C.5.9 Sudden and Acute illnesses
C.5.10 Medical history revealing
C.5.11 Irrevocable authorization to request medical information
C.5.12 Excluded events and expenses
C.5.13 Special limitations and exclusions due to age
C.5.14 Exclusions applicable to the ASSIST-CARD cards valid within the country of issuance
C.5.15 Extension of the ASSIST-CARD Services due to trip prolongation
C.5.16 Notice of issuance

C.6. OBLIGATIONS OF ASSIST-CARD

C.7. OBLIGATIONS OF THE CARD HOLDER

C.8. SUBROGATION AND CESSION OF RIGHTS

C.9. EXCEPTIONAL AND/OR FORCE MAJEURE CIRCUMSTANCES

C.10. EXPENSES NOT CONSIDERED WITHIN THE AGREEMENT. INTERVENTION OF OTHER COMPANIES

C.11. LIABILITY

C.12. JURISDICTION

C.13. PRESCRIPTION

D. COVERAGES

D.1. INSURANCE DUE TO LOST OR DELAYED LUGGAGE

D.2. ACCIDENTAL DEATH BENEFIT

D.3. PERSONAL ACCIDENT COVERAGE (TOTAL AND PERMANENT DISABILITY)

D.4. GUARANTY IN CASE OF TRIP CANCELLATION OR INTERRUPTION

E. GLOSSARY
Accident (Definition) (C.2.)
Accidental Death Benefit (D.2.)
ASSIST-CARD Alarm Centers telephone numbers (In Document Holder)
ASSIST-CARD Product purchased (See Voucher)
Assistance in the event of lost or stolen documents, etc. (C.4.13)
Card territorial validity (C.5.2)
Card temporary validity (C.5.3)
Card Holder (General Dispositions) (C.5.1)
Cash advance for bail bonds (C.4.18)
Change in validity or services cancellation (C.1.7/8/9)
Characteristics of the ASSIST-CARD product purchased (See Voucher)
Collect-calls system (A.2.)
Countries with ASSIST-CARD services (C.3.)
Countries without ASSIST-CARD services (Reimbursements) (C.3.)
Deductible applicable to medical expenses (C.4.1.11)
Definitions of the Contract (C.2.)
Delayed luggage (D.1.)
Dental assistance (C.4.1.6)
Dentistry (C.4.1.6)
Document holder (Definition) (C.2.)
Early return due to serious disaster at home (C.4.14)
Exceptional and/or force majeure circumstances (C.9.)
Excluded events (C.5.12)
Excluded expenses (C.5.12)
Exclusions (C.5.12)
Expenses due to delayed or cancelled flights (Reimbursement) (C.4.10)
Expenses not considered within the Agreement (C.10.)
Extension of the ASSIST-CARD services due to trip prolongation (C.5.15)
Guaranty in case of trip cancellation or interruption (D.4.)
Hospitalizations (C.4.1.7)
Hotel expenses due to convalescence (C.4.9)
How to contact ASSIST-CARD (A.2.1)
ID Card (Definition) (C.2.) o Card
Instructions in the event of lost luggage (A.2.4)
Instructions in case of excessively delayed or cancelled of flights (A.2.5)
Instructions to request assistance (A.2.)
Issuance notification (C.5.16)
Jurisdiction (C.12.)
Legal assistance services in case of an accident (C.4.17)
Liability of ASSIST-CARD (C.11.)
Limits applicable to the ASSIST-CARD product purchased (C.5.6)
Lost luggage (Instructions in case of) (A.2.4)
Lost luggage location (C.4.16)
Luggage tags (In Document Holder)
Luggage coverage (Loss or delay in location) (D.1.)
Maximum global amount for expenses and/or reimbursements (C.4.1.10/12)
Medical assistance (C.4.1)
Medical escort in case of transfer (C.4.3/4)
Medical Repatriation (C.4.4)
Medical Transfers (C.4.3)
Minor's escort (C.4.5)
Obligations of ASSIST-CARD (C.6.)
Obligations of the Card Holder (C.7.)
Personal loss coverage (total and permanent impairment) (D.3.)
Prescription (C.13.)
Pre-existent (definition) (C.2.)
Pre-existing conditions (C.4.2)
Procedure to request assistance (A.2.)
Recording and monitoring of telephone calls (C.5.8)
Reimbursement of communication expenses (A.2.)
Reimbursement of expenses due to delayed or cancelled flight (C.4.10)
Reimbursement of medical expenses (C.4.1.12)
Repatriation of mortal remains (C.4.15)
Return Trip (Date modification) (C.4.8)
Service activation prior to the trip (A.1.1)
Services excluded within the country of issuance of the ASSIST-CARD card (C.5.14)
Services provided by companies other than ASSIST-CARD (C.10.)
Special limitations and exclusions due to age (C.5.13)
Stay of a relative (C.4.7)
Subrogation and cession of rights (C.8.)
Surgery (C.4.1.8)
Toll-free - free calls system (A.2.)
Transmission of urgent messages (C.4.12)
Transfer of a relative (C.4.6)
Transfer of executives due to an emergency (C.4.11)
Voucher (Definition) (C.2. )

C. GENERAL CONDITIONS OF THE ASSIST-CARD SERVICES - TRAVELERS' ASSISTANCE CONTRACT-

C.1. PRELIMINARY CONSIDERATIONS

C.1.1 ASSIST-CARD is an international travelers assistance organization whose object is to render, among others, medical, legal and personal assistance services in emergency situations during a trip.

C.1.2 It is expressly established, and the Card Holder expressly accepts, that the ASSIST-CARD services are not medical insurance nor an extension of or substitute to any social security or prepaid medicine program. The ASSIST-CARD services are exclusively directed towards providing assistance during a trip abroad for sudden and unpredictable events that prevent the normal continuation of a trip.

C.1.3 The present General Conditions of the ASSIST-CARD Services govern the provision by ASSIST-CARD of the assistance services hereby detailed, during a trip abroad made by the Holder of an ASSIST-CARD card.

C.1.4 In order to utilize any of the ASSIST-CARD services, THE CARD HOLDER MUST HAVE CHOSEN the product of his/her preference, and read and accepted its terms and conditions applicable to it and described in these General Conditions of the ASSIST-CARD Services.

C.1.5 The ASSIST-CARD services will be rendered only to the ASSIST-CARD Holder and are non-transferable to third parties. In order to receive the assistance services herein described, the Card Holder must submit the ASSIST-CARD voucher and/or card and personal documentation which demonstrates his/her identity and travel dates.

C.1.6 The purchase by one cardholder of one or more ASSIST-CARD cards will not automatically accumulate the services and/or benefits they include. In such a case the limits established in the one that results more beneficious for the consumer will apply.

C.1.7 The ASSIST-CARD card and services thereof derived will not be valid whatsoever within the country of actual and/or usual residence of the Holder, and/or in the country where the product was issued and/or in the country where the Card Holder is at the time the Card is issued. This condition will not apply for ASSIST-CARD cards expressly valid within the same country of issuance.

C.1.8 Requests for cancellation and/or modification of the ASSIST-CARD's validity dates may only be made no less than 2 (two) working days prior to the start of validity date.

C.1.9 Requests for cancellation and/or modification of any ASSIST-CARD "EURO" product will cost U$S 10.00 (or its equivalent in local currency) per administrative charges. All the other ASSIST-CARD products will cost U$S 5.00 (or its equivalent amount in local currency) for the same reason.

C.1.10 Under no circumstances ASSIST-CARD will accept requests for cancellation and/or modifications of any ASSIST-CARD product neither within the immediate 48 hours prior to the start of validity nor once the validity has been started, according to the terms stipulated in the voucher.

C.2. DEFINITIONS

For all purposes of interpretation it is hereby expressly established that in the present "Instructions for the proper use of the ASSIST-CARD services" and in the "General Conditions of the ASSIST-CARD services", it shall be understood as:
Accident
The event resulting in bodily injury suffered by the Card Holder caused by foreign agents, out of control and in movement, external, violent and visible. Whenever the word "accident" appears hereby it shall be understood that the resulting injury or condition was directly provoked by such agents and independently of any other cause.

Acute Illness
The short and relatively severe process of alteration of the status of the body or of any of its organs, that might interrupt or disturb the balance of the vital functions, producing pain, weakness or other manifestation alien to its normal behavior.

Ailment and/or illness
The terms "ailment" and/or "illness" shall be understood to all purposes as synonyms of "sickness" within the present General Conditions.

Alarm Center
The office that coordinates the rendering of the services required by the Card Holder because of his/her assistance.

Card Holder
The individual designated within the "voucher" as the recipient and beneficiary of the services described in the established Travelers' assistance contract composed by the above-mentioned voucher together with the General Conditions attached thereto.

Chronic
Any pathological process, continuous and persisting in time, and lasting over 30 days.

Congenital
Present or existing before the moment of birth.

Deductible Fixed Amount
The fixed and specific amount that shall be born by the Card Holder and that shall be paid by him/her at the time the first medical assistance is provided, as obligatory initial payment for expenses generated by the mentioned assistance.

Document Holder
The printed material that is delivered to the Card Holder prior to his/her trip and that contains -among other documents - the ID card, the Voucher with his/her personal data and the characteristics of the ASSIST-CARD product purchased, the present Booklet of Instructions and Services, the unfolding Telephone List, the Luggage Tags and the Document Stickers.

Exceptional Circumstances
All those extraordinary situations, occurring rarely, which are indicated in Clause C.9. of the present General Conditions.

ID Card
The credential that is delivered to the Card Holder prior to his/her trip and that contains his/her complete name and the number, validity and type of ASSIST-CARD card purchased. You must carry it always with you during your trip.

Maximum Global Amount
The total sum of expenses that ASSIST-CARD will pay and/or reimburse the Card Holder in every respect and for all the services provided as per the present General Conditions.

Maximum Global Amount in case of multiple events
The total sum of expenses that ASSIST-CARD will pay and/or reimburse all the affected Card Holders in case one single event has caused injuries or death to more than one Card Holders, in every respect and for all the services provided as per the present General Conditions.

Medical Department
Group of health care professionals who, providing supervision, control and/or coordination services for ASSIST-CARD, intervene and decide in all those matters and/or services rendered or to be rendered according to the present General Conditions and that are directly or indirectly related to medical issues.

Pre-existing Condition
All physio-pathological process that recognizes an origin or etiology previous to the date of start of the ASSIST-CARD validity or of the trip (whichever is posterior) and that can be determined through complementary diagnostic methods of customary use, daily accessible and frequent in all countries of the world (including but not limited to: Doppler. MRI, Angioplastic procedures, etc.).

Recurrent
Return of the same illness alter having been treated. Usually, 3 or more times during a calendar year.

Sudden or Unexpected Illness
Rapid, fortuitous, unforeseen illness contracted after the starting date of validity of the ASSIST-CARD or the date the trip begins, whichever is last.

Voucher
The document delivered to the Card Holder prior to his/her trip and that contains -among other evidences- the number and type of card purchased as well as its Particular Conditions, specifications and limits.

C.3. LIST OF COUNTRIES WITH ASSIST-CARD SERVICES

ALGERIA - ANDORRA - ARGENTINA - ARUBA - AUSTRALIA - AUSTRIA - BELGIUM - BOLIVIA - BONAIRE - BRAZIL - BULGARIA - CANADA - CHILE - CHINA - COLOMBIA - COSTA RICA - CROATIA - CUBA - CURAÇAO - CYPRUS - CZECH REPUBLIC - DENMARK - DOMINICAN REPÚBLIC - ECUADOR - EGYPT - EL SALVADOR - ENGLAND - ESTONIA - FINLAND - FRANCE - GERMANY - GREECE - GUATEMALA - HOLLAND - HONDURAS - HONG KONG - HUNGARY - ICELAND - INDIA - INDONESIA - IRELAND - ISRAEL - ITALY - JAMAICA - JAPAN - JORDAN - KENYA - KUWAIT - LATVIA - LEBANON - LESOTHO - LIECHTENSTEIN - LITUANIA - LUXEMBOURG - MALAYSIA - MALDIVES ISLANDS - MAURITIUS ISLANDS - MEXICO - MONACO - MOROCCO - NEW ZEALAND - NICARAGUA - NORWAY - OMAN - PANAMA - PARAGUAY - PERU - PHILIPPINES - POLAND - PORTUGAL - QATAR - ROMANIA - RUSSIA - SAINT MAARTEN - SAN MARINO - SAUDI ARABIA - SCOTLAND - SERBIA & MONTENEGRO - SINGAPORE - SLOVAKIA - SLOVENIA - SOUTH AFRICA - SOUTH KOREA - SPAIN - SRI LANKA - SWEDEN - SWITZERLAND - SYRIA - TAHITI - TAIWAN - THAILAND - TUNISIA - TURKEY - UKRAINE - UNITED ARAB EMIRATES - UNITED STATES - URUGUAY - VENEZUELA - VIETNAM - YEMEN.

In countries not included within the above list, ASSIST-CARD services are limited only to the reimbursement of medical expenses according to the circumstances and conditions established within the General Conditions of the services.

C.4. ASSIST-CARD SERVICES

The following is a limitative enunciation of the services that ASSIST-CARD provides to the Holder beneficiary of the ASSIST-CARD product purchased.

IT IS ESSENTIAL THAT YOU VERIFY WITHIN YOUR VOUCHER THE "MAXIMUM FINANCIAL AND PER AGE LIMITS" APPLICABLE TO THE ASSIST-CARD PRODUCT YOU HAVE PURCHASED.

C.4.1 MEDICAL ASSISTANCE

ASSIST-CARD puts at the Card Holder's disposal its Alarm Centers worldwide network. Card Holders must telephone an ASSIST-CARD Center in case of any illness, accident or emergency for which he/she needs assistance. ASSIST-CARD will provide the Card Holder the conditions for his/her convenient attention, either by sending the professional in each case or authorizing the attention in any of the medical facilities or hospitals available in the area where the event for which the assistance is requested occurred. The Card Holder is obliged to inform ASSIST-CARD as many times as assistances he/she requires. As from the first assistance or service provided, the Card Holder must always contact ASSIST-CARD in order to obtain the authorization for new assistances or services originated in the same cause as the first event.

IMPORTANT: The medical assistance services to be rendered by ASSIST-CARD are limited to the emergency treatment of acute episodes and are oriented to assisting the Card Holder while traveling abroad for sudden and unforeseeable events whereby a clear, acute and verifiable disease has been diagnosed and which prevents the normal continuation of the trip. For this same reason they are neither designed nor contracted or rendered for elective medical procedures or to advance treatments or long-term procedures but to provide for the initial recovery and for the physical conditions that will allow the normal continuation of the trip.

THE AFOREMENTIONED MEDICAL ASSISTANCE SERVICES INCLUDE:

C.4.1.1 Doctor Consultations
Medical Assistance will be provided in case of an accident or "acute and unexpected illness". Whenever a sudden illness or injury occurs that prevents the normal continuation of the Card Holder's trip, he/she is entitled to use for free the services of the professionals and/or medical facilities that for that purpose are indicated and/or authorized by ASSIST-CARD.

Benign diseases and minor wounds, which do not prevent the normal continuation of the trip, will not give reason for this assistance although the Card Holder may request the reimbursement of expenses incurred for this reason, if these expenses are in accordance to the present Instructions for the proper use of the ASSIST-CARD services and the General Conditions of the ASSIST-CARD services.

The medical assistance services to be rendered by ASSIST-CARD are limited to the emergency treatment of acute symptoms that prevent the continuation of the trip. Unless explicitly described within the characteristics of the ASSIST-CARD product purchased, all chronic or pre-existing or congenital or recurrent conditions, known or unknown to the Card Holder, are expressly excluded as well as its consequences and/or complications even if these consequences and/or complications appear for the first time during the trip.

NOTE: In some countries, and primarily in the United States of America, for reasons of computer systems standardization, it is customary for some Medical facilities to send billing notices to the attended patients, even after accounts have been settled. Should this be the case, please contact the ASSIST-CARD office in the country where the Card was purchased in order to inform about this situation.

C.4.1.2 Attention by specialists
Medical Assistance by specialists will be provided whenever it is prescribed or requested by the medical emergency team and previously authorized by the corresponding ASSIST-CARD Alarm Center.

C.4.1.3 Complementary medical examinations
Complementary medical examinations will be performed when prescribed by the medical emergency team and authorized by the corresponding ASSIST-CARD Alarm Center.

C.4.1.4 Physical recovery therapy in case of trauma
Whenever the ASSIST-CARD Medical Department so authorizes and when prescribed the treating physician, ASSIST-CARD will pay for up to 10 (ten) sessions of physiotherapy, kinesiotherapy, etc.

C.4.1.5 Medications
ASSIST-CARD will pay for the cost of medications prescribed by its medical team for the affection that gave rise to the Card Holder's assistance, during the time of validity of the Card and up to the limits indicated in his/her voucher, according if it is a question of:
C.4.1.5.1 Ambulatory assistances
C.4.1.5.2 Assistances during the Card Holder's hospitalization: In case this limit does not apply, ASSIST-CARD will pay up to the amount established in item C.4.1.5.1, no matter if the service is provided while the Card Holder is hospitalized or not.
C.4.1.5.3 Assistances within the country where the Card was issued.

When the medication to be provided by ASSIST-CARD is not readily available and the Card Holder must use it in emergency situations the amounts disbursed for this reason will be reimbursed to him/her, whenever it corresponds, upon submission of the original receipts and up to the limits indicated in his/her voucher.
IT IS ESSENTIAL THAT YOU VERIFY WITHIN YOUR VOUCHER THE "MAXIMUM FINANCIAL AND PER AGE LIMITS" APPLICABLE TO THE ASSIST-CARD PRODUCT YOU HAVE PURCHASED.

C.4.1.6 Emergency Dentistry
ASSIST-CARD will pay the expenses for emergency dental services in case of infection or trauma. Dental assistance will be only limited to the treatment of pain and/or to tooth extraction and shall not exceed U$S 150.00 (one hundred and fifty American dollars) per dental piece, even when the limit established within your voucher is higher.
Verify within your voucher the limits for:
C.4.1.6.1 International assistances
C.4.1.6.2 Assistances within the country where the Card was issued
PLEASE VERIFY IN YOUR VOUCHER THE CHARACTERISTICS AND THE FINANCIAL RESPONSIBILITY ASSUMED BY ASSIST-CARD IN THIS REGARD AND APPLICABLE TO THE PRODUCT YOU HAVE PURCHASED.

C.4.1.7 Hospitalizations
Whenever the ASSIST-CARD medical team so prescribes, the Card Holder will be hospitalized at the nearest and more adequate (according to ASSIST-CARD's Medical Department exclusive judgment) Medical Center. Such hospitalization will be born by ASSIST-CARD for the entire validity period of the Card plus 7 (seven) complementary days that begin to be counted from the last day of the ASSIST-CARD validity. Complementary days comprise only and exclusively hospital accommodation expenses and as long as the "Maximum Global Amount" indicated in your voucher has not been reached.

C.4.1.8 Surgery
Surgeries will be performed to the Card Holder in cases of emergency that urgently require such a procedure and exclusively after authorization of the ASSIST-CARD Medical Department and the corresponding ASSIST-CARD Alarm Center.
IT IS ESSENTIAL THAT YOU REVIEW WITHIN YOUR VOUCHER THE "MAXIMUM FINANCIAL AND PER AGE LIMITS" APPLICABLE TO THE ASSIST-CARD PRODUCT YOU HAVE PURCHASED.

C.4.1.9 Intensive care and coronary unit
When the nature of the illness or injuries of the Card Holder so require, intensive care and coronary unit treatments will be performed. In all such cases and as an essential requirement for ASSIST-CARD to take upon the payment of these expenses, these treatments must have been authorized by ASSIST-CARD's Medical Department.

C.4.1.10 Limit for Medical Expenses: Maximum Global Amount
IMPORTANT: THE TOTAL AMOUNT OF EXPENSES INCURRED FOR ALL MEDICAL SERVICES DESCRIBED IN CLAUSE C.4. SHALL NOT EXCEED THE "MAXIMUM GLOBAL AMOUNT" INDICATED IN YOUR VOUCHER.
For all purposes, it is hereby established that for those products where the Maximum Global Amount is set up in more than one currency and differ from each other, the mentioned Amounts will not be complementary between them, and therefore the sums computed as expenses for assistances provided for any of said Amounts will be deductible between them.
Within your voucher you will find the amount for every Maximum Global Amount applicable for:
C.4.1.10.1 Medical Assistance due to an "accident".
C.4.1.10.2 Medical Assistance due to "non pre-existing illness".
C.4.1.10.3 Medical Assistance due to "pre-existing illness" as long as the ASSIST-CARD product you have purchased expressly includes this benefit.
C.4.1.10.4 Medical Assistance within the country in which the Card was issued (This amount will apply to assistances arising from both illnesses and/or accidents and only in the events that the ASSIST-CARD product purchased includes this benefit).
C.4.1.10.5 Maximum Global Amount in case of multiple events.
IT IS ESSENTIAL THAT YOU REVIEW WITHIN YOUR VOUCHER THE "MAXIMUM FINANCIAL AND PER AGE LIMITS" APPLICABLE TO THE ASSIST-CARD PRODUCT YOU HAVE PURCHASED.

C.4.1.11 Deductible applicable to medical expenses
The Deductible Fixed Amount shall be applicable to the Card Holder's medical expenses and to those ASSIST-CARD products that include this item within their corresponding voucher.
IMPORTANT: THIS DEDUCTIBLE APPLIES ONLY TO CERTAIN ASSIST-CARD PRODUCTS. VERIFY IN YOUR VOUCHER IF THE PRODUCT YOU HAVE PURCHASED INCLUDES A DEDUCTIBLE AMOUNT AND WHICH IS THE AMOUNT DETERMINED FOR IT.

C.4.1.12 Reimbursement of medical expenses
ASSIST-CARD will reimburse medical expenses made in an emergency situation as far as they have been previously authorized by the ASSIST-CARD Medical Department and they do not exceed fees and prices in use, regular and valid in the country and/or place where they have been made. Permanently updated rates and tariffs are at your disposal in the ASSIST-CARD offices in every country where it provides its services. These expenses will be reimbursed by ASSIST-CARD upon submission of original receipts and up to the amount indicated in your voucher and corresponding to the ASSIST-CARD product purchased.

Medical Expenses incurred in emergency situations, or within countries in which ASSIST-CARD does not provide assistance services, will be reimbursed to the Card Holder as long as he/she has complied and fulfilled what is established in Clauses A - INSTRUCTIONS FOR THE PROPER USE OF THE ASSIST-CARD SERVICES and C.7.- OBLIGATIONS OF THE CARD HOLDER. These reimbursements will be paid at the ASSIST-CARD offices.
IT IS ESSENTIAL THAT YOU VERIFY WITHIN YOUR VOUCHER THE CHARACTERISTICS, LIMITATIONS AND "MAXIMUM GLOBAL AMOUNT" FOR MEDICAL EXPENSES APPLICABLE TO THE ASSIST-CARD PRODUCT YOU HAVE PURCHASED.

C.4.2 EXCLUSION OF PRE-EXISTING AND CHRONIC ILLNESSES

Unless otherwise specified within the ASSIST-CARD voucher, all chronic or pre-existing or congenital or recurrent conditions, known or unknown to the Card Holder, and also all its consequences and acute episodes, even when they appear for the first time during the trip, are excluded.

SOME ASSIST-CARD PRODUCTS INCLUDE BENEFITS FOR CHRONIC OR PRE-EXISTING ILLNESSES. PLEASE VERIFY IN YOUR VOUCHER THE CHARACTERISTICS OF THE ASSIST-CARD PRODUCT YOU HAVE PURCHASED.

C.4.3 MEDICAL TRANSFERS

In case of an emergency, ASSIST-CARD will arrange the transfer of the Card Holder to the nearest medical facility in order that he/she receives medical attention. When the ASSIST-CARD Medical Department recommends transfer to a more adequate medical facility, such a transfer will be organized, according to the possibilities of the case, in the conditions and means authorized by the ASSIST-CARD Alarm Center involved and exclusively within the territorial limits of the country where the event has occurred. A doctor or nurse, if necessary, may accompany the injured or ailing Card Holder.

NOTE: Only medical reasons, deemed necessary at the sole discretion of the ASSIST-CARD's Medical Department, will be taken into account to determine the appropriateness and/or urgency of the transfer of the Card Holder. Should the Card Holder or his/her family decide to make a transfer disregarding the opinion of the ASSIST-CARD Medical Department, ASSIST-CARD shall not be liable for such an action, and the transfer, its costs and its consequences will be at the sole risk and expense of the Card Holder and/or his/her family.

C.4.4 MEDICAL REPATRIATIONS

The medical repatriation of the Card Holder will only be carried out when ASSIST-CARD's Medical Department deems it necessary, and exclusively as the result of a serious accident. The repatriation of the injured Card Holder to his/her usual country of residence will be performed by regular airline, accompanied by a doctor or nurse if applicable subject to seat availability. This repatriation must be expressly authorized and coordinated by the ASSIST-CARD Alarm Center involved. Should the Card Holder or his/her family decide to make a medical repatriation disregarding the opinion of the ASSIST-CARD Medical Department, ASSIST-CARD shall not be liable for such an action, and the repatriation, its costs and its consequences will be at the sole risk and expense of the Card Holder and/or his/her family. Medical repatriations as a consequence of an illness, no matter its etiology or kind, are expressly excluded from ASSIST-CARD's responsibilities.
THE MEDICAL REPATRIATION BENEFIT IS EXCLUDED FROM SOME ASSIST-CARD PRODUCTS. PLEASE VERIFY IN YOUR VOUCHER THE CHARACTERISTICS AND THE FINANCIAL RESPONSIBILITY ASSUMED BY ASSIST-CARD IN THIS REGARD AND APPLICABLE TO THE PRODUCT YOU HAVE PURCHASED.

C.4.5 MINORS' ESCORT

Should a Card Holder be traveling as the only companion of a child (or children) under the age of 15, who is (are) also an ASSIST-CARD Holder(s), and is unable to take care of the child (children) due to an illness or an accident occurred during the trip, ASSIST-CARD will arrange, and pay for, the trip of to a relative to accompany the child (children) back to their permanent place of residence. The choice of the means of transportation to be used for the minor's escort will be made exclusively by ASSIST-CARD.

C.4.6 TRANSFER OF A RELATIVE

In case a Card Holder, traveling alone, is hospitalized abroad, such hospitalization has been authorized by ASSIST-CARD's Medical Department, and as long as the foreseen duration of the hospitalization for the Card Holder is above 10 (ten) days, ASSIST-CARD will take upon the trip of a relative, by paying for an economy class airline ticket subject to seat availability, so that he/she may accompany the Card Holder. This benefit will be provided only in the event that the entire anticipated period of hospitalization falls within the validity period of the ASSIST-CARD plus 7 (seven) complementary days.

C.4.7 STAY OF A CARD HOLDER'S RELATIVE

If and when ASSIST-CARD has transferred a relative during the Card Holder's hospitalization with the purpose of providing companionship, the lodging expenses incurred by the accompanying relative for a maximum period of 10 (ten) days will be assumed by ASSIST-CARD as long as the Card Holder is abroad alone, and without any other family members or personal friends, during said period.
Within your voucher you will find the amounts to be paid by ASSIST-CARD with the following limits:
C.4.7.1 Daily limit
C.4.7.2 Total limit

PLEASE VERIFY IN YOUR VOUCHER THE CHARACTERISTICS AND THE FINANCIAL RESPONSIBILITY ASSUMED BY ASSIST-CARD IN THIS REGARD AND APPLICABLE TO THE PRODUCT YOU HAVE PURCHASED.

C.4.8 DIFFERENCE IN AIRFARE DUE TO DELAYED OR EARLY RETURN

C.4.8.1 Return due to illness or accident
ASSIST-CARD will pay for the fare difference for a tourist or economy class return ticket when the Card Holder's original round trip ticket was issued at a reduced rate and with a fixed or limited return date, and such return date cannot be met due to the Card Holder's illness or accident. This benefit will only apply if the Card Holder has been medically assisted with authorization of the corresponding ASSIST-CARD Alarm Center. This benefit will not be rendered in case of Excluded Events as per Clauses C.4.2, C.5.12 and C.5.13.

C.4.8.2 Return due to death of a family member
A benefit similar to the one established in Clause C.4.8.1 will apply in case the Card Holder must return to his/her country of usual and permanent residence due to the death of a immediate family member (parent, spouse, child or sibling) residing in that country.

NOTE: In both cases the circumstances that gave rise to this benefit must be proven by the Card Holder and will be conclusively verified by ASSIST-CARD. The return trip benefit, either by the Card Holder or by third parties, will not be reimbursable. The return trip benefit will only be provided within the validity period of the ASSIST-CARD. When this service has been provided, the Card Holder must transfer to ASSIST-CARD the unused portion(s) of his/her original airline ticket or its countervalue.

C.4.9 HOTEL EXPENSES DUE TO CONVALESCENCE

ASSIST-CARD will reimburse the Card Holder for hotel lodging expenses (excluding extras), as long as the involved ASSIST-CARD Alarm Center previously authorized it, when the attending physician prescribes mandatory bed rest after hospitalization. In order to obtain this benefit the Card Holder must have been hospitalized for a minimum period of 5 (five) consecutive days and the hospitalization must have been authorized by the ASSIST-CARD Alarm Center. These hotel expenses will have:
C.4.9.1 A daily limit, and
C.4.9.2 A total maximum
THIS BENEFIT IS INCLUDED ONLY IN SOME ASSIST-CARD PRODUCTS. PLEASE VERIFY IN YOUR VOUCHER THE CHARACTERISTICS AND THE FINANCIAL RESPONSIBILITY ASSUMED BY ASSIST-CARD IN THIS REGARD AND APPLICABLE TO THE PRODUCT YOU HAVE PURCHASED.

C.4.10 REIMBURSEMENT OF EXPENSES DUE TO DELAYED OR CANCELLED FLIGHT

Should a Card Holder's flight be delayed for more than 6 (six) consecutive hours beyond the scheduled departure time, and provided that no alternative transportation is available during those 6 (six) hours, ASSIST-CARD will reimburse the expenses for hotel lodging, food, taxi and communication expenses incurred during this period and up to the maximum limits indicated in your voucher. ASSIST-CARD will only reimburse expenses upon submission of the original receipts to support the incurred expenses and a letter or certificate from the airline certifying the delay and/or cancellation. To be entitled to this reimbursement, the Card Holder must have contacted the nearest ASSIST-CARD Alarm Center before leaving the airport where the event took place.

NOTE: This service will not be rendered if the Card Holder is traveling with a standby or sublo ticket, nor to any destination within the same country where the ASSIST-CARD was purchased. This service will not apply if the cancellation is due to the bankruptcy or ceasing of operations of the airline or to any of the circumstances described in Clause C.9. "Exceptional and of Force Majeure Circumstances" of these General Conditions of the ASSIST-CARD Services.
THIS BENEFIT IS INCLUDED ONLY IN SOME ASSIST-CARD PRODUCTS. PLEASE VERIFY IN YOUR VOUCHER THE CHARACTERISTICS AND THE FINANCIAL RESPONSIBILITY ASSUMED BY ASSIST-CARD IN THIS REGARD AND APPLICABLE TO THE PRODUCT YOU HAVE PURCHASED.

C.4.11 TRANSFER OF EXECUTIVES DUE TO AN EMERGENCY

In case the Card Holder is abroad on a business trip and is hospitalized by ASSIST-CARD as the consequence of a serious medical emergency that makes it impossible for him/her to continue with the objective of his/her professional trip, ASSIST-CARD will pay for the ticket of the person that the company of the Card Holder appoints as a replacement of the hospitalized Card Holder. The ticket will be purchased in the same class as the Card Holder who is being replaced originally traveled and will be subject to seat availability. The replacing executive must purchase, at the moment he/she starts the trip and for its whole duration, the same ASSIST-CARD assistance product that replaced executive had.
THIS BENEFIT IS INCLUDED ONLY IN SOME ASSIST-CARD PRODUCTS. PLEASE VERIFY IN YOUR VOUCHER WHETHER THIS BENEFIT IS INCLUDED IN THE PRODUCT YOU HAVE PURCHASED.

C.4.12 TRANSMISSION OF URGENT MESSAGES

ASSIST-CARD will take charge of transmitting urgent and justified messages from Card Holders related to any of the events included within the services described in these General Conditions of the ASSIST-CARD Services.

C.4.13 ASSISTANCE IN THE EVENT OF LOST OR STOLEN DOCUMENTS, ETC.

ASSIST-CARD will advice the Card Holder on local procedures in case he/she has lost or has been stolen from his/her personal documents, airline tickets and/or credit cards. This advisory service will under no circumstances include those formalities that the Card Holder is obliged to comply personally due to the loss and/or theft occurred. ASSIST-CARD will not pay for expenses or fees inherent to lost or stolen personal documents', airline tickets and/or credit cards.

C.4.14 EARLY RETURN DUE TO SERIOUS DISASTER AT HOME

In the event of a serious disaster (fire, explosion, robbery with loss of property and violence) at the Card Holder's residence when he/she is traveling with an ASSIST-CARD Card and provided there is no other person who can take charge of the situation and the Card Holder's original ticket does not permit a free change of the return date, ASSIST-CARD will pay for applicable penalties, fare differences or the cost of a new ticket in tourist class from the Card Holder's location to his/her permanent residence. The event giving rise to this assistance must be documented with the corresponding police report. Whenever this service is provided, the Card Holder must transfer to ASSIST-CARD the unused portion(s) of his/her original airline ticket or its countervalue.

C.4.15 FUNERARY REPATRIATION

In the event of demise of a Card Holder, ASSIST-CARD will organize the funerary repatriation and will pay for:
1) The coffin required for transportation.
2) Administrative procedures.
3) Transportation to the airport of entrance to the country of permanent residence of the Card Holder, by the means that ASSIST-CARD deems more convenient.

NOTE: Expenses for the definitive coffin, for funerary procedures and for transfers within the country of permanent residence of the deceased Card Holder will not be paid by ASSIST-CARD under any circumstances. The funerary repatriation service will only be provided in case ASSIST-CARD's intervention was requested immediately after demise. ASSIST-CARD will be exempt from and will not be liable for the transfer of the remains nor will it reimburse any expenses in this respect in the event that funeral parlors or other third parties take charge before ASSIST-CARD does or without its express authorization.

ASSIST-CARD will neither pay for the funerary repatriation nor for expenses related to it in cases of death produced by:
a) Narcotics or stupefacients
b) Suicide
c) In case the death has been the consequence of a pre-existent illness suffered by the Card Holder and whose treatment was the reason for the trip

C.4.16 LUGGAGE LOCATION

ASSIST-CARD will assist the Card Holder abroad by all means at its reach to try to locate lost pieces of luggage that have been shipped in the luggage compartment of the same international flight on which the ASSIST-CARD Holder was traveling. ASSIST-CARD provides Card Holders, within the document-holder with codified luggage tags for identification purposes. In order to facilitate luggage identification in case of loss, it is essential to have those luggage tags affixed to it for the whole duration of the trip.

NOTE: ASSIST-CARD will not be liable for lost and unfound pieces of luggage. Some ASSIST-CARD products include, at no additional cost, coverage(s) for indemnity for delayed and/or lost luggage according to what is established in Clause D.1. Insurance due to lost or delayed luggage.

SOME ASSIST-CARD PRODUCTS INCLUDE AN INDEMNITY FOR DELAYED OR LOST LUGGAGE. PLEASE VERIFY IN YOUR VOUCHER THE FINANCIAL RESPONSIBILITY ASSUMED BY THE INSURANCE COMPANY IN THIS REGARD AND APPLICABLE TO THE PRODUCT YOU HAVE PURCHASED.

C.4.17 LEGAL ASSISTANCE IN CASE OF RESPONSIBILITY IN AN ACCIDENT

In case the Card Holder is charged with responsibility in an accident in a country where ASSIST-CARD renders its assistance services (see List Of Countries, Clause C.3. of the present General Conditions of the ASSIST-CARD Services), an attorney will be placed at the disposal of the Card Holder's who makes such a request, in order to take charge of his/her civil or criminal defense.
C.4.17.1 ASSIST-CARD will advance, as a loan and to be refunded by the Card Holder, the amounts corresponding to lawyer fees and trial expenses, or
C.4.17.2 Will pay such expenses up to the limits establish for the ASSIST-CARD product purchased.

C.4.17.3 ASSIST-CARD will advance, as a loan and to be refunded by the Card Holder, up to the limits established within his/her voucher the amounts corresponding to lawyer fees and trial expenses when the assistance service is provided within the country of issuance of the ASSIST-CARD Card purchased.
PLEASE VERIFY IN YOUR VOUCHER THE CHARACTERISTICS AND THE FINANCIAL RESPONSIBILITY ASSUMED BY ASSIST-CARD IN THIS REGARD AND APPLICABLE TO THE PRODUCT YOU HAVE PURCHASED.

C.4.18 CASH ADVANCE FOR BAIL BONDS

Should a Card Holder be arrested and charged with criminal responsibility in an accident he/she may revert to ASSIST-CARD in order to obtain a loan to pay for bonds that may be required for his/her conditional release. This Cash Advance is subject to the conditions that ASSIST-CARD establishes for each case and that the Card Holder must accept.

C.4.19 LEGAL ASSISTANCE TO FILE CLAIMS IN CASE OF AN ACCIDENT

Should a Card Holder require legal aid to file a claim or lawsuit against third parties for damages or any other compensation resulting from an accident in countries where ASSIST-CARD provides its services (see "List Of Countries" Clause C.3. of these General Conditions for the ASSIST-CARD Services) a lawyer will be made available to him/her for this purpose. The Card Holder will be responsible for the hiring of the professional and their services as well as for the payment of all fees and expenses arising from the case.

NOTE: The obligation of ASSIST-CARD is limited to putting at the disposal of the services of a professional. In all the cases, the lawyers designated or recommended by ASSIST-CARD will act as agents of the Card Holder without any right to claims or indemnifications against ASSIST-CARD for having recommended such a professional.

C.5. GENERAL STIPULATIONS

C.5.1 CARD HOLDER

The services provided by ASSIST-CARD will only be rendered to ASSIST-CARD Card Holders and are non-transferable to third parties. In order to receive the assistance services described herein, the Card Holder must submit the ASSIST-CARD ID Card and/or voucher along with any personal identification that may be requested by ASSIST-CARD in order to prove his/her identity, as well as any other information concerning places and travel dates regarding the hired services.

C.5.2 TERRITORIAL VALIDITY

C.5.2.1 International
Assistance services will only be rendered in the countries where ASSIST-CARD provides its services (see "List Of Countries" Clause C.3. of these General Conditions for the ASSIST-CARD Services). Under no circumstances will the ASSIST-CARD services be rendered neither within the country of usual residence of the Card Holder nor in the country where the ASSIST-CARD Card was issued nor in the country where the Card Holder is at the time the Card is issued. Expenses incurred for assistance in countries other than those appearing in the List of Countries, Clause C.3., with the exception of the country of usual residence of the Card Holder, will be reimbursed only if applicable and pursuant to the provisions of the Instructions for the proper use and the General Conditions of the ASSIST-CARD Services.

C.5.2.2 National
The assistance services for ASSIST-CARD products valid within the country of issuance of the card will be provided within its territorial limits, beyond 100 Km (one hundred kilometers) counted from the usual place of residence of the Card Holder and only when he/she is temporarily traveling. Whenever assistance services are provided by ASSIST-CARD within the country of issuance of the Card, ASSIST-CARD's financial responsibility will always and without exception be complementary and ancillary to the financial responsibility that might correspond to the social security program and/or welfare program and/or insurance coverage and/or pre-paid medical attention program(s) that the Card Holder may be a member or beneficiary of.

NOTE: ASSIST-CARD will be entitled to demand from the Card Holder immediate reimbursement of all the expenses unduly made in case a service was paid that -had the financial responsibility of the Card Holder's social security program, welfare program, insurance coverage and/or pre-paid medical attention program, been previously verified- would not have been rendered or would have been rendered only partially. Independently of the fact that the ASSIST-CARD assistance service is rendered as the result of an accident or an illness, the Maximum Global Amount for Medical Expenses within the country of issuance of the Card will be the one established within your voucher.
PLEASE VERIFY IN YOUR VOUCHER WHETHER THE ASSIST-CARD PRODUCT YOU HAVE PURCHASED INCLUDES ASSISTANCE WITHIN THE COUNTRY OF ISSUANCE OF THE CARD.

C.5.3 TEMPORARY VALIDITY
PRIOR TO YOUR DEPARTURE PLEASE VERIFY WITHIN YOUR VOUCHER THE VALIDITY DATES OF THE ASSIST-CARD PRODUCT YOU PURCHASED.

The assistance services to be rendered by ASSIST-CARD will only and exclusively be valid during the validity period indicated on the ASSIST-CARD card and/or voucher. The validity will start as from 00:00 hours on the date indicated in the ASSIST-CARD voucher as validity starting date and will last for the number of days effectively paid for at the rates established by ASSIST-CARD for the product purchased on the date of issue.

The ASSIST-CARD services temporary validity indicated in the above paragraph will in all cases be complementarily limited to:
1. The maximum amount of consecutive days per trip established within your voucher, and/or
2. the days of validity indicated in your ASSIST-CARD voucher, and/or
3. the maximum amount of days of stay for tourism purposes permitted by the Immigration authorities of the country/countries to which the Card Holder is traveling, independently from how many countries he/she is visiting visited during the validity of the card.

NOTE: These limitations will apply even when the ASSIST-CARD was hired and issued for a longer period.

C.5.4 CONSECUTIVE DAYS PER JOURNEY

C.5.4.1 International Trips
The departure and return dates to the country of usual and permanent residence of the Card Holder and/or the place where the ASSIST-CARD Card was issued will be taken into consideration in order to establish the period of consecutive days per trip.

THIS CONDITION APPLIES TO SOME ASSIST-CARD PRODUCTS. PLEASE VERIFY IN YOUR VOUCHER WHETHER THE ASSIST-CARD PRODUCT YOU HAVE PURCHASED INCLUDES THE LIMITATION OF CONSECUTIVE DAYS PER TRIP.

C.5.4.2 Trips within the Card Holders' country of residence
The dates of departure and return to the domicile or place of usual residence of the Card Holder will be taken into consideration in order to establish the period of consecutive days per trip. This must be understood as destinations beyond 100 km. (one hundred kilometers) away from the Card Holder's domicile.

THIS CONDITION APPLIES TO SOME ASSIST-CARD PRODUCTS. PLEASE VERIFY IN YOUR VOUCHER WHETHER THE ASSIST-CARD PRODUCT YOU HAVE PURCHASED INCLUDES ASSISTANCE WITHIN THE COUNTRY OF ISSUANCE OF THE CARD.

C.5.5 DETERMINING THE KIND OF PRODUCT/SERVICE

Only the price paid by the Card Holder will determine the kind of product purchased and therefore its characteristics and limitations. Should there be discrepancies between the data appearing in the voucher and/or card referring to the validity and/or rate applicable to the ASSIST-CARD product hired with respect to the one effectively paid by the Card Holder, the data corresponding to this latter will be considered as valid.

C.5.6 APPLICABLE LIMITS

The monetary or financial limits established in the ASSIST-CARD voucher will be applicable for the entire validity period of the ASSIST-CARD Card purchased. Said entire validity period shall be considered as only and absolute, regardless within the term established the Card Holder made more than one trip.

C.5.7 EXPIRATION DATE

The expiration of the validity of the ASSIST-CARD Card will automatically imply the cease of all the services detailed within these General Conditions, including those assistances already started and in course at the moment of the end of validity, with the exception of the hospitalization service described in Clause C.4.1.7. ASSIST-CARD services will cease to be valid as from the moment the Card Holder unexpectedly interrupts the trip abroad, for whatever reason, and returns to his/her country of usual residence or country where the card was issued. In such a case, the Card Holder is not entitled to any reimbursement whatsoever for the ASSIST-CARD's unused time.

PRIOR TO YOUR DEPARTURE PLEASE VERIFY WITHIN YOUR VOUCHER THE VALIDITY DATES OF THE ASSIST-CARD PRODUCT YOU PURCHASED.

C.5.8 RECORDING AND MONITORING OF TELEPHONE CONVERSATIONS

ASSIST-CARD reserves the right to record and audit telephone conversations deemed necessary for the good development of the rendering of its services. The Card Holder expressly agrees on this established procedure and on the eventual usage of these records as a proof in case of possible controversies with regards to the assistance services provided.

C.5.9 SUDDEN AND ACUTE ILLNESSES

The medical assistance services and the financial responsibilities established within these General Conditions of the ASSIST-CARD Services will only be in force for accidents and/or sudden and acute illnesses contracted after the date of initiation of the validity of the Card or after the date of initiation of the trip of the Card Holder, whichever is later. ASSIST-CARD reserves the right to investigate the veracity of the Card Holder's declaration in this sense.

C.5.10 MEDICAL HISTORY REVEALING

Whenever ASSIST-CARD so requires, the Card Holder must grant the authorizations to reveal his/her medical records by completing the RECORD RELEASE FORM that is included within this booklet and to fax it to the involved ASSIST-CARD Alarm Center.

C.5.11 IRREVOCABLE AUTHORIZATION TO REQUEST MEDICAL INFORMATION

The Card Holder irrevocably and absolutely authorizes ASSIST-CARD to request in his/her behalf any medical information to professional either from abroad or from his country of residence, with the purpose of evaluating and eventually decide about the applicability of the restrictions in case of chronic or pre-existing conditions or illnesses that may have arisen the assistance request.

ASSIST-CARD PUTS AT YOUR DISPOSAL PRODUCTS THAT INCLUDE THE ASSISTANCE OF PRE-EXISTING CONDITIONS. ASK YOUR TRAVEL AGENT OR THE ASSIST-CARD OFFICES.

C.5.12 EXCLUDED EVENTS AND EXPENSES

The following events and/or treatments are expressly excluded from the ASSIST-CARD assistance services:

C.5.12.1 Chronic or pre-existing illnesses
The studies and/or treatments related to chronic or pre-existing or congenital or recurrent conditions -whether known or unknown by the Card Holder- suffered from before the beginning of the validity of the Card and/or the trip, whichever comes later, as well as any sequels, complications and consequences arising thereof (even when they appear during the trip for the first time). To all effects concerning the present Travelers' assistance contract, it must be understood as pre-existing illnesses or conditions those suffered from before the initiation of the validity of the ASSIST-CARD Card as well as those that reveal afterwards but that for their development have required an incubation, formation or evolution period within the Card Holders' body, started prior to the date of beginning of validity of the Card or of the trip, or suffered from during the validity of a previous ASSIST-CARD Card.
ASSIST-CARD will not pay for any tests or hospitalizations seeking to evaluate the medical condition of a pre-existing illness and/or to rule out its relation with the current condition giving rise to the need of assistance.
ASSIST-CARD PUTS AT YOUR DISPOSAL PRODUCTS THAT INCLUDE THE ASSISTANCE OF PRE-EXISTING CONDITIONS. PLEASE VERIFY WITHIN YOUR VOUCHER THE CHARACTERISTICS OF THE ASSIST-CARD PRODUCT YOU PURCHASED.

C.5.12.2 Endemic and/or epidemic illnesses
Assistance services arising from endemic and/or epidemic illnesses in countries under sanitary emergency status in case the traveler has not followed suggestions and/or indications issued by sanitary authorities about travel restrictions and/or prophylactic treatment and/or vaccination.
C.5.12.3 Disputes, strike or tumult. Illegal or fraudulent acts
All complaints, injuries and/or illnesses resulting directly or indirectly from quarrels - except those caused for reasons of self defense - strike, vandalism acts or popular uproar in which the Card Holder has taken part as an active element. The attempt to or the commission of an illegal act and, in general, any criminal or fraudulent act of the Card Holder including providing information that is false or different from reality.
C.5.12.4 Suicide
All complaints, injuries and/or illnesses resulting from attempted suicide or from the intention to commit suicide, or intentionally caused by the Card Holder to him/herself.
C.5.12.5 Drugs, narcotics and/or related elements
Treatment of illnesses or pathological conditions caused by the intentional ingestion or administration of toxics (drugs) narcotics, or because of the use of medications without a doctor's prescription. Also conditions, illnesses or injuries resulting from the ingestion of alcoholic beverages of any kind.
C.5.12.6 Attention by persons or professionals not belonging to ASSIST-CARD
Illnesses, injuries, complaints, consequences and/or complications resulting from treatments or assistances received by the Card Holder from persons or professionals not belonging to the ASSIST-CARD organization.
C.5.12.7 Sports (Professional or amateur)
The assistances that may occur as the result of, training for, practice of or active participation in all kinds of sports' competitions. Besides, this Clause expressly excludes the assistances that may occur as the consequence of practicing dangerous or high-risk sports, included but not limited to: motorcycling, car racing, boxing, polo, water skiing, jet skiing, wave runners, snow mobiles, 4 wheel ATV (All Terrain Vehicles), skating, para sailing, scuba diving, hang gliding, mountain climbing, surf, windsurf, etc.
All assistances that may occur as a consequence of practicing ski, snow boarding and/or other winter sports not mentioned in the previous clause outside of authorized tracks, are also excluded.
C.5.12.8 Air travel
Air travel in planes not intended and authorized for public transportation.
C.5.12.9 Child deliveries
Checkups, controls, exams and complications during pregnancy. Child deliveries. Abortions and/or miscarriages, whatever their etiology.
C.5.12.10 Mental disease and/or related conditions
Mental or psychological conditions, psychosis, neurosis and/or any mediate or immediate consequences thereof.
C.5.12.11 Blood pressure
Blood pressure controls. Hypertension or any consequence thereof.
C.5.12.12 HIV
Auto-Immune Deficiency Syndrome, AIDS and HIV in any/all of its forms, as well as its complications, sequels and consequences. Venereal or sexually-transmitted diseases.
C.5.12.13 Medical calls not authorized by ASSIST-CARD
Medical visits for follow-up, checkups and prolonged treatments, unless previously and expressly authorized by the ASSIST-CARD Medical Department.
C.5.12.14 Prosthesis and related elements
Expenses for prosthesis, orthesis, synthesis or mechanical-help devices of any type, either of internal or external use, including but not limited to: orthopedic articles, dental prosthesis, hearing aids, glasses, contact lenses, splints, crutches, nebulizers, respirators, etc.
C.5.12.15 Treatments
All dental, ophthalmologic or otorinolaryngologic treatments, except for the emergency attention as described in these General Conditions of the ASSIST-CARD Services.
C.5.12.16 Check-ups or routine exams
Checkups or routine medical examinations including those not directly related to a diagnosed illness, as well as those that are not the direct consequence of an illness or accident subject to the ASSIST-CARD service.
C.5.12.17 Age
A Card Holders' age when it exceeds the established limit indicated in the voucher according to the ASSIST-CARD product purchased.
C.5.12.18 Professional Risks
Whenever the motive of the trip was the execution of works or tasks that involve professional risks. En all cases, the services described in these General Conditions of the ASSIST-CARD Services will be complementary to those that must be rendered by assistance or health-insurance entities according to job safety and labor risks regulations applicable in the country where the illness or accident occurred.
C.5.12.19 Un-authorized Expenses
Hotel, restaurants, taxis and communications expenses that have not expressly been authorized by an ASSIST-CARD Alarm Center.
C.5.12.20 Accompanying persons and extra expenses
In the case of a Card Holder's hospitalization all extra expenses as well as those expenses incurred by those accompanying him are expressly excluded.

IMPORTANT: Should it be determined that the reason for a trip is the treatment abroad of any base illness, and that the current treatment has any direct or indirect link with the previous illness, ASSIST-CARD will be released from any obligation to provide its services, as set forth in Clause C.6. "Obligations of ASSIST-CARD" and Clause C.5.12 "Excluded Events and Expenses" of the present General Conditions of the ASSIST-CARD services. For this purpose, ASSIST-CARD reserves the right to investigate the relation between the current event and the previous illness.

C.5.13 SPECIAL LIMITATIONS AND EXCLUSIONS DUE TO AGE

THE LIMITATIONS ESTABLISHED IN THE FOLLOWING PARAGRAPHS APPLY TO SOME ASSIST-CARD PRODUCTS. VERIFY WITHIN YOUR VOUCHER WHETHER THE ASSIST-CARD PRODUCT YOU PURCHASED INCLUDES LIMITATIONS AND EXCLUSIONS DUE TO AGE. IN SUCH A CASE, THE ASSIST-CARD SERVICES WILL BE SUBJECT TO THE FOLLOWING LIMITATIONS AND EXCLUSIONS:

C.5.13.1 Maximum Global Amount
In case the Card Holder is included within the limitation due to age established in the voucher and suffers injuries caused by an accident, as described in Clauses C.2. "Definitions" and C.5.13 "Special Limitations and Exclusions due to age", the Maximum Global Amount for medical expenses due to illness will be applied. This limitation will apply without fail and regardless from the fact that the ASSIST-CARD product purchased had one Maximum Global Amount for medical expenses due to an accident and another for illness.

C.5.13.2 Medications
In case the Card Holder is included within the limitation due to age established in the voucher, the top amount for medications' expenses will be in all cases and in every respect the one established as "ambulatory".

C.5.13.3 Implantation or replacement of prosthesis or any related item
In case the Card Holder is included within the limitation due to age established in the voucher, the following are expressly excluded: Any assistance that may arise from a diagnose whose treatment may require or may be related to surgeries that require the implantation, replacement and/or repairs of prosthesis, orthesis, mechanical aids and/or synthesis or any thereof related element, either external or internal, as well as all the expenses arising before, during or after said surgery, including but not limited to: complementary exams, medical or hospital fees, pre- or post-surgical therapies, hospital stays, changes of tickets, etc.

C.5.13.4 Sanitary Repatriations
Sanitary repatriations of any origin are excluded in case the Card Holder in included within the limitation due to age established in the voucher corresponding to the ASSIST-CARD product purchased.

C.5.14 EXCLUSIONS APPLICABLE TO THE ASSIST-CARD CARDS VALID WITHIN THE COUNTRY OF ISSUANCE
Even in case the voucher corresponding to the ASSIST-CARD product you purchased includes services within the country of issuance of the card, the following exclusions will fully apply:
C.5.14.1 Chronic or pre-existing illnesses
See C.5.12.1
C.5.14.2 Hotel Expenses
Hotel expenses due to convalescence or any other reason.
C.5.14.3 Expenses due to cancelled or delayed flight
Reimbursement of expenses due to cancelled or delayed flight.
C.5.14.4 Transfer of business colleagues due to an emergency
Transfer or replacement of business colleagues due to an emergency.

C.5.15 EXTENSION OF THE ASSIST-CARD SERVICES DUE TO TRIP PROLONGATION

C.5.15.1 The request of issuance of a new ASSIST-CARD Card must be made prior to the expiration date of the previous card.
C.5.15.2 The Card Holder may request the issuance of a new Card to the ASSIST-CARD office nearest to where he/she is or to the agency or office who issued the previous Card.
C.5.15.3 Payment methods for the new Card will be those established by the ASSIST-CARD office the Card Holder reverted to. ASSIST-CARD will only pay for the mailing (via regular mail) of the new Card to an address within the same country where it was issued.

C.5.15.4 The validity period of the new ASSIST-CARD Card must be immediately consecutive to the one of the original Card.
C.5.15.5 The new ASSIST-CARD Card issued under the conditions described in this Clause may not be used for any reason, or under any circumstances whatsoever, to initiate or continue treatment and/or assistance for any medical problems that had occurred during the validity of the original and/or prior ASSIST-CARD Card or before the validity of the new ASSIST-CARD Card, regardless if the proceedings or treatments in progress have been indicated by ASSIST-CARD or by third parties.
C.5.15.6 The Card Holder may purchase one or more ASSIST-CARD Cards as long as the accumulated amount of days does not exceed 90 (ninety) or the maximum amount of consecutive days per trip established in the voucher corresponding to the ASSIST-CARD product originally purchased.

C.5.15.7 Insurance coverages included within some ASSIST-CARD products will not be granted to extensions or renewals of Cards made in a country other than that where the original card was purchased. Should a Card Holder wish that the renewal Card includes insurance coverage, the Card must be purchased and paid for only and exclusively in the country where the original Card was issued.

C.5.16 NOTICE OF ISSUANCE

The validity of the ASSIST-CARD Card will be subject to the fact that the issuing agent had appropriately informed ASSIST-CARD of such issuance prior to the date its validity starts. Neither any change in the validity date nor the cancellation of any of ASSIST-CARD product will be accepted under any circumstances and for no reason whatsoever once its validity has started.

C.6. OBLIGATIONS OF ASSIST-CARD

C.6.1 The obligations of ASSIST-CARD established within the present Travelers' assistance contract will only apply in the event of an accident and/or of a sudden and acute illness suffered after the date on which the ASSIST-CARD Card starts its validity or the date that the trip commences, whichever occurs last.

C.6.2 See C.5.12.1

C.6.3 For all cases of assistance services provided within the country of issuance of the card, ASSIST-CARD's financial responsibility will always and without exception be complementary and subsidiary to the financial responsibility corresponding to the social security and/or welfare program and/or health insurance and/or pre-paid medical attention program(s) that the Card Holder may be a member or beneficiary of.

C.6.4 ASSIST-CARD reserves the right to verify the veracity of the Card Holder's declaration in this sense. ASSIST-CARD will be entitled to demand from the Card Holder immediate reimbursement of all the expenses unduly made in case a service was paid that -had the financial responsibility of the Card Holder's social security program, welfare program, insurance coverage and/or pre-paid medical attention program, been previously verified- would not have been rendered or would have been rendered only partially.

C.6.5 Independently of the fact that the ASSIST-CARD assistance service is rendered as the result of an accident or an illness, the Maximum Global Amount for Medical Expenses within the country of issuance of the Card will be the one established within your voucher.

C.7. OBLIGATIONS OF THE CARD HOLDER

In all cases and for all the services, the Card Holder is obliged to:

C.7.1 PRIOR AUTHORIZATION

To receive authorization from an ASSIST-CARD Alarm Center before taking any step or incurring in any expenses, according to the procedure established in Clause A - "INSTRUCTIONS FOR THE PROPER USE OF THE ASSIST-CARD SERVICES".

C.7.2 OBLIGATION OF INFORMING WITHIN 24 HOURS

C.7.2.1 Should it be impossible in an emergency to contact an ASSIST-CARD Alarm Center to request the above-mentioned prior authorization, the Card Holder may resort to the nearest emergency medical service. In all such cases the Card Holder must report the emergency suffered and the assistance received to ASSIST-CARD from the place it occurred, as soon as possible and always within the first 24 hours following the incident. The Card Holder will be required to furnish original documentation and receipts supporting the situation.

C.7.2.2 Upon previous evaluation of the case and once any restrictions or exclusions have been ruled out, ASSIST-CARD will assume expenses arising from the assistance up to the maximum amounts established for the assistance in question according to the ASSIST-CARD product purchased and as long as the amounts involved are in accordance to those usual in the country or region where the event took place. No reimbursement of expenses arising from an emergency situation will be made in case the procedure established within the present Instructions for the proper use of the ASSIST-CARD Services are not strictly followed.

C.7.3 DOCUMENTATION SUPPLY

The Card Holder must supply ASSIST-CARD with all documentation necessary to justify the case, in addition to all the original receipts for expenses reimbursable by ASSIST-CARD as well as all medical records, even those previous to the trip or of any kind, that may be necessary for ASSIST-CARD to provide its services.

C.7.4 MEDICAL/DENTAL DOCUMENTS

The Cardholder must submit the complete medical records in order to make any claim to ASSIST-CARD arising from a medical/dental assistance. The lack of compliance of this requirement shall allow ASSIST-CARD to deny the claim.

C.7.5 FLIGHT TICKETS

In those cases when ASSIST-CARD assumes any fare difference from the original tickets, or when ASSIST-CARD provides the repatriation service for the Card Holder in case of serious accident or demise, he/she must deliver to ASSIST-CARD all transportation tickets (air travel or not) that he/she may possess. In all such cases ASSIST-CARD will only assume the eventual fare difference that may exist, if corresponding.

C.8. SUBROGATION AND CESSION OF RIGHTS

C.8.1 Up to the amounts disbursed in compliance with the obligations arising from the present General Conditions of the ASSIST-CARD services, ASSIST-CARD will be immediately and automatically subrogated in all the rights and actions that may correspond to the Card Holder or to his/her heirs against third parties, either individuals or legal entities and/or official or public institutions, in virtue of the event that gave rise to the assistance service provided.

C.8.2 The Card Holder agrees to immediately pay ASSIST-CARD all those amounts he/she received from the party who caused or who is responsible for the accident and/or his/her insurance company or companies as an advance(s) on account of the settlement of the final indemnity the Card Holder is entitled to. This payment shall be made up to the amounts paid by ASSIST-CARD for the event.

C.8.3 Subrogation expressly includes, but is not limited to, the rights and actions that may be exercised against the following persons:
- Third parties responsible for an accident (traffic or of any other kind).
- Transportation companies, with regard to the restitution -total or partial- of the price of unused tickets, when ASSIST-CARD has paid for the transfer of the Card Holder or his/her mortal remains.

IMPORTANT: The Card Holder irrevocably transfers in favor of ASSIST-CARD the rights and actions comprised within the present Clause and pledges to accomplish all legal proceedings that may be necessary to this effect and to provide any kind of collaboration that may be required to him/her because of the event occurred. In case he/she refuses to subscribe and/or collaborate to transfer such rights to ASSIST-CARD, the latter shall automatically be exempt of the payment of the inherent assistance expenses.

C.9. EXCEPTIONAL AND OF FORCE MAJEURE CIRCUMSTANCES

As specified within the present Travelers' assistance contract ASSIST-CARD is expressly released, exempt and excused from any of its obligations and liabilities in the event a Card Holder suffers any damage or requires assistance as the consequence and/or arising from fortuitous or force majeure case, such as catastrophes, earthquakes, floods, storm, international war or civil, declared or undeclared, rebellion, internal uproar, actions of guerrillas or counter-guerrillas, hostilities, reprisals, conflicts, seizures, internal riots, strikes, mass movements, lock-out, public riots or acts of sabotage or terrorism, etc. as well as problems and/or delays resulting from the termination, interruption or suspension of communication services. When elements of this kind are involved, and once such event is terminated, ASSIST-CARD pledges to fulfill its commitments and obligations within the shortest possible time.

C.10. EXPENSES NOT CONSIDERED WITHIN THE AGREEMENT. INTERVENTION OF OTHER COMPANIES

C.10.1 ASSIST-CARD reserves the right to demand from the Card Holder reimbursement of any expenses paid in excess of the terms and/or rendering conditions established herein and/or out of the validity period of the Card.

C.10.2 Under no circumstances will ASSIST-CARD provide the Card Holder new assistance services, nor will it reimburse any kind of expenses, as long as the Card Holder requests or has requested services for the same problem and/or illness from any other company, before, during, or after having requested such assistance services from ASSIST-CARD.

C.11. LIABILITY

The service rendered by ASSIST-CARD according to the terms of the present Travelers' assistance contract is exclusively circumscribed to providing the Card Holder with access to professionals in order that they render, on their own account and under their exclusive responsibility, medical, pharmaceutical, legal or assistance services in general. Therefore, ASSIST-CARD will not be liable whatsoever and in any way, either directly or indirectly, for any complaint that the Card Holder may have regarding the rendering of services made by any of the above-mentioned professionals.

C.12. JURISDICTION

For all legal issues regarding the contractual relationship between the Card Holder and ASSIST-CARD, it is hereby expressly agreed the jurisdiction of the courts of the capital city of the country where the original ASSIST-CARD was purchased, excluding any other power or jurisdiction.

C.13. PRESCRIPTION

Any legal actions arising from the relationship between the Card Holder and ASSIST-CARD will prescribe after 180 (one hundred and eighty) consecutive days, counted as of the date on which the event giving rise to the claim took place.

D. COVERAGES

IMPORTANT: All the coverages included within the ASSIST-CARD products are provided at no additional cost to Card Holders and are issued according to local legal regulations. ASSIST-CARD purchases these insurance policies for its clients and therefore reserves the right to make changes to coverages as well as to cancel them without any prior notifications according to the regulations of the local insurance laws. The complete text of the policies is available to the general public at the offices of the indicated insurers as well as at the ASSIST-CARD office where the ASSIST-CARD is purchased.

These coverages are granted only to residents in the country of issuance of the ASSIST-CARD Card, holding ASSIST-CARD Cards issued locally. These coverages are not granted for extension or renewals of Cards made in other countries. Should a Card Holder wish that the renewal Card includes insurances, it must be purchased and paid for only and exclusively in the country where the Card was originally issued.

D.1. INSURANCE DUE TO LOST OR DELAYED LUGGAGE

THIS INSURANCE IS NOT APPLICABLE TO SOME ASSIST-CARD PRODUCTS. PLEASE VERIFY IN YOUR VOUCHER THE CHARACTERISTICS AND THE LIMITS OF THE FINANCIAL RESPONSIBILITY ASSUMED BY THE INSURANCE COMPANY APPLICABLE TO THE PRODUCT YOU HAVE PURCHASED.

D.1.1 INSURED PERSONS

The holder of ASSIST-CARD Card is automatically insured and at no additional cost when the voucher corresponding to the ASSIST-CARD product purchased establishes this coverage.

D.1.2. INSURED RISKS

D.1.2.1 DELAY IN THE LOCATION OF LUGGAGE
Delay in the location of luggage during international transportation by regular airline and provided that it was shipped in the luggage compartment of the aircraft.

THIS INSURANCE IS EXCLUDED FROM SOME ASSIST-CARD PRODUCTS. PLEASE VERIFY IN YOUR VOUCHER THE CHARACTERISTICS OF THE PRODUCT YOU HAVE PURCHASED.

D.1.2.2 LOSS OF LUGGAGE
Loss of luggage (whole piece) during international transportation by regular airline and provided that it was shipped in the luggage compartment of the aircraft.
THIS INSURANCE IS EXCLUDED FROM SOME ASSIST-CARD PRODUCTS. PLEASE VERIFY IN YOUR VOUCHER THE CHARACTERISTICS OF THE PRODUCT YOU HAVE PURCHASED.

D.1.3 COMPENSATION/INDEMNITY

D.1.3.1 Compensation due to the delay in the location of the luggage
D.1.3.1.1 The insurance company will reimburse the Card Holder, up to the amount established within his/her voucher, for expenses arising from the purchase of basic necessity items made within the period of the luggage delay and only if it is not located within 36 (thirty-six) hours counting from the moment ASSIST-CARD received the notification that the luggage was missing.
D.1.3.1.2 Should the lost luggage not be located within 10 (ten) days counting from the date the Card Holder informed ASSIST-CARD about the loss, the Card Holder will receive from the insurance company an additional amount until completion of the maximum amount established within his/her voucher for this purpose.

D.1.3.2 Indemnity due to loss of luggage
The insurance company will indemnify the Card Holder per dispatched kilogram, per whole piece of luggage lost and up to the maximum amount established within his/her voucher.

D.1.3.3 General dispositions for the compensation/indemnity
D.1.3.3.1 Verify within your voucher the value per dispatched kilogram applicable to the ASSIST-CARD product you purchased.
D.1.3.3.2 The Card Holder is entitled to collect up to the Maximum Global Amount established in the voucher as a whole per compensation and/or indemnity regardless the number of events (delays or losses) that may take place over the validity period of your ASSIST-CARD, even if it is a yearly card.
D.1.3.3.3 The actual value of the lost piece of luggage will not be taken into consideration.
D.1.3.3.4 The indemnity to the Card Holder will be additional or supplementary to the one paid by the airline, according to what is established within the voucher corresponding to the ASSIST-CARD product purchased.
PLEASE VERIFY IN YOUR VOUCHER THE CHARACTERISTICS OF THE PRODUCT YOU HAVE PURCHASED.
D.1.3.3.5 Reimbursement for expenses incurred as the result of delayed or lost luggage must be processed at any ASSIST-CARD Alarm Center. If the Card Holder is in a location where ASSIST-CARD does not have an office, he/she must unfailingly contact the nearest ASSIST-CARD Alarm Center and follow the instructions to obtain the compensation(s) that will always be subject to submission and verification of documentation at any ASSIST-CARD offices.
D.1.3.3.6 In order to obtain reimbursement for expenses arising from delayed or lost luggage, the Card Holder must remain abroad for the minimum periods of time stipulated above (36 hours or 10 days) and with an ASSIST-CARD Card valid for the entire duration of the trip.
D.1.3.3.7 The compensation in case of delay in the location of the luggage will not be paid in case the verification or the luggage loss itself takes place during the return trip to the country where the ASSIST-CARD was issued and/or to the Card Holder's country of residence.

D.1.4 REQUIRED DOCUMENTATION

D.1.4.1 P.I.R. (Property Irregularity Report) form,
D.1.4.2 Passport, ASSIST-CARD voucher with coverage certification, airline tickets,
D.1.4.3 Original receipts for the expenses incurred (for the compensation for expenses incurred as the result of delayed luggage),
D.1.4.4 Original of the indemnity receipt from the airline (for the indemnity for total loss).

D.1.5 PARTICULAR CONDITIONS

D.1.5.1 No compensation or indemnity will be paid for damages to the luggage and/or for partially or totally missing contents.
D.1.5.2 The indemnity for total loss of the piece of luggage will be paid to the Card Holder in the country where the Card was issued.
D.1.5.3 The compensations and/or indemnities described herein are per person and not per piece of luggage lost. When two or more individuals share the same lost piece of luggage, the above-mentioned compensations and/or indemnities will be prorated.
D.1.5.4 All the compensations and/or indemnities described herein will be paid in the local currency of the country where payment is made. The applicable exchange rate will be the same in effect on the date that the Card Holder's ASSIST-CARD was issued.

D.1.6 REQUIREMENTS TO OBTAIN THE COMPENSATIONS AND/OR INDEMNITIES

D.1.6.1 The Card Holder must have attached the ASSIST-CARD luggage identification tags on the outside of the lost piece of luggage.
D.1.6.2 The piece of luggage must have been lost during its transportation on an international flight (between two countries) on a regular airline.
D.1.6.3 The piece of luggage must have been duly checked into the aircrafts' luggage compartment.
D.1.6.4 The piece of luggage must have been lost between the moment it was handed over to authorized personnel of the airline in order to be loaded on board the aircraft and the moment it should have been returned to the Card Holder when the trip ended.
D.1.6.5 Luggage must have been lost outside the territory of the country where the ASSIST-CARD Card was issued and/or outside the Card Holders' usual country of residence, except for losses that take place on international flights that arrive into that country.
D.1.6.6 The Card Holder must have immediately reported the missing luggage to the airline before leaving the luggage claim area and obtained written proof of that fact through the P.I.R. (Property Irregularity Report) form.
D.1.6.7 The Card Holder must have informed ASSIST-CARD of the missing piece of luggage before leaving the airport where it was confirmed to be missing.
D.1.6.8 The airline must have assumed its liability for the loss of the luggage and paid the Card Holder the corresponding indemnity established by the airline. The Card Holder must prove the airline's acceptance of its liability by submitting reliable receipts.
D.1.6.9 The Card Holder must fill out the request for indemnity at any ASSIST-CARD office submitting the complete documentation as per Clause D.1.4 "Required Documentation".

D.2. ACCIDENTAL DEATH BENEFIT

THIS INSURANCE IS INCLUDED IN SOME ASSIST-CARD PRODUCTS. PLEASE VERIFY IN THE PARTICULAR CONDITIONS STATED IN YOUR VOUCHER THE CHARACTERISTICS OF THE PRODUCT YOU HAVE PURCHASED.

D.2.1. INSURED PERSONS
The holder of ASSIST-CARD Card is automatically insured and at no additional cost when the voucher corresponding to the ASSIST-CARD product purchased includes this coverage.

D.2.2 INSURED RISKS
D.2.2.1 Death in public transportation: Death only as the result of an accident while the Card Holder is traveling as a passenger in any means of public transportation (land, air or sea), or while traveling in taxi or limousine, provided the Card Holder is not a crew member, the pilot, or the driver.
D.2.2.2 Accidental death 24 hours: Death, only as the result of an accident other than the one defined in paragraph 2.2.1 above, providing the Card Holder is 74 years old or younger at the moment of the accident.

IMPORTANT: In case an ASSIST-CARD card includes two indemnity alternatives, according to the circumstances that have caused the Accidental Death, one and only one of them shall be indemnified.
It is therefore understood that the 24 hrs. Accidental Death Coverage excludes Accidental Death in Public Transportation and vice-versa.

D.2.3 TERRITORIAL VALIDITY OF THE COVERAGE

PLEASE VERIFY IN YOUR VOUCHER WHETHER THE COVERAGE INCLUDED IN YOUR ASSIST-CARD CARD HAS NATIONAL OR INTERNATIONAL VALIDITY.

D.2.3.1 INTERNATIONAL: This coverage will not be valid whatsoever neither within the country of residence of the Card Holder, nor within the country in which the ASSIST-CARD was issued, nor within the country where the Card Holder was when the ASSIST-CARD was issued.
D.2.3.2 NATIONAL: This coverage will be valid within territorial limits of the country where the ASSIST-CARD Card was issued.

D.2.4 INSURED AMOUNTS ACCORDING TO THE BENEFICIARY'S AGE

PLEASE VERIFY IN YOUR VOUCHER THE INSURED SUM AND THE MAXIMUM AMOUNT IN CASE OF DISASTER.

Death in Public Transportation (D.2.2.1):
Card Holders aged 18 or younger: They will be covered for the amount specified in clause D.2.2.1 of the particular conditions stated in their voucher or up to the amount of US$ 60,000 (sixty thousand US dollars), whichever is lower.
Card Holders aged 19 to 74: They will be covered for the amount specified in clause D.2.2.1 of the particular conditions stated in their voucher.
Card Holders aged 75 or older: They will be covered for the amount specified in clause D.2.2.1 of the particular conditions stated in their voucher.

Accidental death 24 hours (D.2.2.2):
Card Holders aged 18 or younger: They will be covered for the amount specified in clause D.2.2. of the particular conditions stated in their voucher or up to the amount of US$ 20,000 (twenty thousand US dollars), whichever is lower.
Card Holders aged 19 to 74: They will be covered for the amount specified in clause D.2.2.2 of the particular conditions stated in their voucher.

IMPORTANT: When the purchased Card includes Accidental Death Benefit, the particular conditions stated in your voucher will set forth the insured amounts corresponding to Card Holders aged 19 to 74, PLEASE VERIFY THE INSURED AMOUNT THAT CORRESPONDS TO YOUR AGE.

The insured amount is per Card Holder. Nevertheless, in the event of an accident involving more than one Card Holder, the maximum liability for all Card Holders affected shall not exceed the amount established within your voucher as Global Maximum for the same disaster or event. In case the sum of the indemnities to be paid exceeds the above-mentioned amounts, every individual indemnity will be paid prorating the maximum liability defined within the voucher.

D.2.5 EXCLUSIONS

All exclusions usually and/or legally applicable to this type of coverage and approved by the Insurance Regulatory Agency in the country where the ASSIST-CARD is issued.

IMPORTANT: When the ASSIST-CARD product purchased has age restrictions for the purchase of the card, such age will apply, in the same way and automatically, as a limit to the validity of this accidental death benefit.

D.2.6 BENEFICIARIES

The Card Holder's legal heirs will be considered as the beneficiaries of this coverage unless the Card Holder expressly designates other beneficiaries in writing. This notification must be made before beginning the trip, by certifying document and at the ASSIST-CARD office in the country where the Card was issued.

D.3. PERSONAL ACCIDENT COVERAGE (TOTAL AND PERMANENT DISABILITY)

THIS INSURANCE IS INCLUDED IN SOME ASSIST-CARD PRODUCTS. PLEASE VERIFY IN YOUR VOUCHER THE CHARACTERISTICS OF THE PRODUCT YOU HAVE PURCHASED.

D.3.1 INSURED PARTIES

The holder of ASSIST-CARD Card is automatically insured and at no additional cost when the voucher corresponding to the ASSIST-CARD product purchased establishes this coverage.

D.3.2 INSURED RISKS

Total and permanent disability only as the consequence of an accident and while the Card Holder is traveling.

IMPORTANT: The term "Permanent Disability" is to be understood as a permanent invalidity determined independently from the career or occupation of the Card Holder, caused by an accident.

D.3.3 INSURED SUM

PLEASE VERIFY IN YOUR VOUCHER THE INSURED SUM AND THE MAXIMUM AMOUNT IN CASE OF DISASTER.

The maximum insured amount is the one established in your voucher. The amount of the indemnity shall be determined according to the nature and seriousness of the suffered injury and as per the following percentages:

· Absolute state and incurable of mental alienation, that hinders the insured person from performing any type of work for the rest of his/her life: 100%
· Incurable fracture of the spinal cord causing total and permanent disability: 100%

IMPORTANT: In the event of an accident involving more than one Card Holder, the maximum liability of the Insurance Company for all policies affected shall not exceed the amount established within your voucher as maximum for the same disaster. In case the sum of the indemnities to be paid exceeds the above-mentioned amounts, every individual indemnity will be paid prorating the maximum liability defined within the voucher.

D.3.4 EXCLUSIONS

D.3.4.1 All exclusions usually and/or legally applicable to this type of coverage and approved by the Insurance Regulatory Agency in the country where the ASSIST-CARD is issued.
D.3.4.2 This coverage will not be valid whatsoever neither within the country of residence of the Card Holder, nor within the country in which the ASSIST-CARD was issued, nor within the country where the Card Holder was when the ASSIST-CARD was issued.
D.3.4.3 IMPORTANT: When the ASSIST-CARD product purchased has age restrictions, such age will apply, in the same way, as a limit to the validity of this personal accident coverage.

D.3.5 ADDITIONAL SPECIFICATIONS

D.3.5.1 Total loss is to be understood as one which occurs due to the amputation or the permanent functional and total disability of the injured body part.
D.3.5.2 When partial disability has reached 80% it will be considered as total disability and therefore the whole insured amount will be paid.

D.3.6 REQUIREMENTS TO OBTAIN THE INDEMNITY

In order to collect the indemnity the ASSIST-CARD holder must fulfill all the requirements established in the Clause C.7. "Obligations of the Card Holder" of the General Conditions of the ASSIST-CARD services.

D.4. GUARANTY IN CASE OF TRIP CANCELLATION OR INTERRUPTION

THIS GUARANTY IS NOT APPLICABLE TO SOME OF THE ASSIST-CARD PRODUCTS. PLEASE VERIFY IN YOUR VOUCHER THE CHARACTERISTICS AND THE FINANCIAL LIABILITY LIMIT ASSUMED BY THE INSURANCE COMPANY CORRESPONDING TO THE PRODUCT YOU PURCHASED.

THIS GUARANTY IS VALID ONLY FOR INTERNATIONAL FLIGHTS

D.4.1 INSURED PERSONS

The holder of ASSIST-CARD Card is automatically insured and at no additional c