Transcription
Policy Document
Useful telephone numbersCustomer Services:1890 719 425Call this number if your circumstanceschange and you need to update yourpolicy or if you have a question.Chubb Assistance 353 (0)1 440 2780
ContentsSuperValu Holiday Plus Travel Insurance.Advice for Travellers.The information you provide.456PART I1.1 Definitions.1.2 Holidays Covered.1.3 Holidays Not Covered.1.4 Persons Insured.1.5 When cover operates for a Holiday.1.6 Claims Conditions.1.7 Making a Claim.1.8 Annual Declaration.710101111111212PART IIChubb Assistance. 13PART IIISection 1. Medical Expenses and Additional Expenses.Section 2. Hospital Benefit.Section 3. Cancellation, Curtailment or Rearrangement.Section 4. Travel Delay.Section 5. Missed Departure.Section 6. Personal Accident.Section 7. Personal Property.Section 8. Money and Credit Cards.Section 9. Loss of Passport/ Driving Licence ExpensesSection 10. Hijack.Section 11. Personal Liability.Section 12. Overseas Legal Advice & Expenses.Section 13. Pet Care.Section 14. Winter Sports.Section 15. Car Hire Excess Cover.161718191920212424252527303132PART IV4.1 General Exclusions.4.2 General Conditions.4.3 Claims Provisions.4.4 Ending or changing Your cover.4.5 Automatic ending of cover.3536383940Complaints Procedures. 41European Online Dispute Resolution Platform. 41SuperValu Travel Insurance3
IntroductionSuperValu Holiday Plus Travel InsurancePLEASE NOTE: Terms in bold have the meanings given to them in theDefinitions Sections, which appear in Parts I and III of this Policy.SuperValu Travel Insurance is underwritten by Chubb European GroupSE. This Holiday Plus Travel Insurance Policy is only available if Youalready have Private Medical Insurance in force covering all PersonsInsured under this Policy at the time of purchasing cover andcontinuously throughout the duration of any Holiday.If You have any questions please call SuperValu Travel Insurance on1890 719 425 from within Ireland or 353 (0)1 440 2784 from outsideIreland or e-mail: supervalu.travelinsurance@chubb.comThis is Your Holiday Plus Travel Insurance Policy which, together withYour Policy Schedule and the information supplied in Your application,is a contract between You and Us.In return for payment of the premium, We agree to insure You and, ifYou have asked Us to, Your Partner and/or Children during the Periodof Insurance in the manner and to the extent provided, and subject tothe Policy Terms, Conditions and Exclusions.The Policy Schedule shows the cover You have chosen and the Policyshows the most We will pay for each benefit.James DuncanAuthorised OfficialFor Chubb European Group SE4SuperValu Travel Insurance
Advice for TravellersReciprocal Health AgreementsEEAIf You intend travelling to countries within theEuropean Economic Area (all EU countriesplus Iceland, Liechtenstein, and Norway)We advise You to obtain a European HealthInsurance Card (EHIC) to take with You whenYou travel. For more information about theEHIC, contact Your local Post Office or theDepartment of Health:Department of Health and ChildrenHawkins House, Hawkins StreetDublin 2IrelandTel: 01 6354001www.dohc.ieFurther information can be obtained on thegovernment information websitehttp://www.citizensinformation.ie/en/ underthe section Travel and Recreation – TravelAbroadAustraliaIf You intend travelling to Australia and Youare an Irish passport holder or otherwiseeligible, You MUST register with Medicare ifYou require medical treatment there. (You cando this on arrival or after You have hadtreatment. Some treatment charges may bepartially refunded by the Medicare schemeand You should try to make Your Claim whileYou are still in the country). If You do not, Wemay reject Your Claim or reduce the amountWe pay You.Rest of the WorldIf You are travelling to a country outside theEuropean Economic Area or Australia, Youmay also be able to Claim back some or allof the costs of any medical treatment YouSuperValu Travel Insurancerequire. Please contact the Department ofHealth (details above) to find out more.Travel Advice Unit of theDepartment of Foreign AffairsThe Travel Advice Unit of the Departmentof Foreign Affairs and the World HealthOrganisation (WHO) periodically issueguidelines about locations around the worldand whether it is advisable to travel to, orwithin, such locations. The Person Insured isstrongly advised to contact the DFA’s beforetravelling.This Policy does not cover anyHolidays involving travel to areaswhere the Department of ForeignAffairs has allocates a security status of‘Avoid non-essential travel’ or ‘Do not travel’.If You are not sure whether there is atravel warning for Your destination,please check their visit www.dfa.ieImportant information about COVID-19This Policy does not cover and We will not(under any sections) pay for claims of anykind directly or indirectly arising from, relatingto or in any way connected with theCoronavirus Disease 19 (COVID-19) (or anymutation or variation thereof) and / or itsoutbreak. This exclusion applies to allsections of cover except for Section 1 –Medical Expenses and Repatriation providedYou are not travelling in, to or through anyarea to which the Department of ForeignAffairs has allocated a security status of‘Avoid non-essential travel’ or ‘Do not travel’.To the extent that any term or condition in thePolicy may be inconsistent with thisexclusion, this exclusion shall prevail.5
The information you provideWe use personal information which You supplyto Us in order to write and administer thisPolicy, including any claims arising from it.You have a number of rights in relation to Yourpersonal information, including rights of accessand, in certain circumstances, erasure.This information will include basic contactdetails such as Your name, address, and policynumber, but may also include more detailedinformation about You (for example, Your age,health, details of assets, claims history) wherethis is relevant to the risk We are insuring,services We are providing or to a claim Youare reporting.This section represents a condensedexplanation of how We use Your personalinformation. For more information, We stronglyrecommend You read Our user-friendly MasterPrivacy Policy, available icy.aspx. You can ask Us for a paper copyof the Privacy Policy at any time, by contactingUs atmailto:dataprotectionoffice.europe@chubb.com.We are part of a global group, and Yourpersonal information may be shared withOur group companies in other countries asrequired to provide coverage under Your policyor to store Your information. We also use anumber of trusted service providers, who willalso have access to Your personal informationsubject to Our instructions and control.6SuperValu Travel Insurance
PART I1.1 DefinitionsThe following words and phrases will alwayshave the same special meaning wherever theyappear in the Policy in bold type and startingwith a capital letter. Additional Definitionsappear in Sections 6, 7, 8 and 12. Euro(s).AbroadOutside Ireland.AccidentA sudden identifiable violent external eventthat happens by chance and which could notbe expected; or unavoidable exposure tosevere weather conditions.Cancellation CostsCosts for unused travel and/oraccommodation (including ski hire, ski schooland ski lift passes if Winter Sports are shownas covered on the Policy Schedule) which aPerson Insured has paid or is contracted topay and which cannot be recovered from anyother source.Child, ChildrenYour offspring and the offspring of YourPartner, extending to include a step child orchildren and a legally adopted child orchildren, each of whom must be:a) Under 18 years old (or under 23 years oldif still in full-time education) on the dateYou purchase cover; andb) Dependent on You or Your Partner evenif he or she does not live with either ofYou; andc) Unmarried or living with a Partner.SuperValu Travel InsuranceChubb Assistancea) The telephone advice, information andcounselling services; and orb) The travel assistance and emergencymedical and repatriation services,arranged by Us.Claim(s)Single loss or a series of losses Due To onecause covered by this Policy.Curtailment Costs1. A proportion of the costs for unused traveland/or accommodation (including ski hire,ski school and ski lift passes if WinterSports are shown as covered on thePolicy Schedule) which a Person Insuredhas paid or is contracted to pay andwhich cannot be recovered from any othersource. The amount paid will becalculated on a pro-rata basis for thenumber of days between the date aPerson Insured returns home, and hisor her original planned return date.2. Reasonable additional travel andaccommodation costs necessarilyincurred in returning an Insured Personhome provided that:a) Such travel is of a standard no greaterthan the class of transport on theoutbound journey; andb) The standard of accommodation isnot superior to that of the Holiday.DoctorA doctor or specialist, registered or licencedto practise medicine under the laws of thecountry in which they practise who is neither:a) A Person Insured; orb) A relative of a Person Insuredunless approved by Us.7
Due ToDirectly or indirectly caused by, arising orresulting from, in connection with.EuropeAndorra, Austria, Belarus, Belgium, BosniaHerzegovina, Bulgaria, Canary Islands,Croatia, Czech Republic, Denmark, Estonia,Finland, France, Germany, Greece, Hungary,Iceland, Ireland (annual cover only) Italy,Latvia, Liechtenstein, Lithuania, Luxembourg,Macedonia, Madeira, Mediterranean Islands(including Majorca, Menorca, Ibiza, Corsica,Sardinia, Sicily, Malta, Gozo, Crete, Rhodesand other Greek Islands, Republic of Cyprus),Moldova, Monaco, Morocco, Netherlands,Norway, Poland, Portugal, Romania, RussianFederation (West of Urals), Serbia andMontenegro, Slovakia, Slovenia, Spain,Sweden, Switzerland, Tunisia, Turkey,Ukraine, and United Kingdom, Isle of Man,the Channel Islands.Holiday, HolidaysTrip(s) devoted entirely to pleasure, rest, orrelaxation, where travel begins and ends inIreland.Immediate FamilyYour Partner or fiancé(e) or the grandchild,Child (including fostered and adoptedchildren), brother, sister, parent, grandparent,grandchild, step-brother, step-sister, stepparent, parent-in-law, son-in-law, daughter-inlaw, sister-in-law, brother-in-law, aunt, uncle,nephew, niece of You or Your Partner, oranyone noted as next of kin on any legaldocument.Parent or Legal GuardianA person with parental responsibility, or alegal guardian, both being in accordance withIrish law.Albania, although in Europe, is excluded fromthis definition. If a Person Insured wishes tovisit Albania or is likely to travel outside thecountries specified they need Our Worldwidecover.ExcessThe first 90 of any Claim which eachPerson Insured must pay except fora) A loss of deposit only Claim when theExcess is the first 10 of any Claim; orb) A Claim for medical and additionalexpenses in European Union countrieswhen there is no Excess where areduction is obtained using a EuropeanHealth Insurance Card.HijackThe unlawful seizure or taking control of anaircraft or other means of transport in which aPerson Insured is travelling as a passenger.HijackersThe perpetrators of a Hijack.8SuperValu Travel Insurance
Partnera) Your spouse; orb) Someone of either sex with whom youhave been living for at least three monthsas though they were your spouse or civilpartner.Period of InsuranceFor annual multi-trip cover:The period of cover between and inclusive ofthe dates shown as Effective From: and To: onthe Policy Schedule commencing at 00.01 orany later time the Policy Schedule is issued onthe earlier date shown and finishing at 24.00on the later date shown.For single trip cover:The period of cover commencing at 00.01 orany later time the Policy Schedule is issuedand ending either when You arrive at Yourreturn destination in Ireland, or at the end ofthe trip duration shown on Your PolicySchedule, whichever is sooner. Dates refer toLocal Standard Time at Your address asshown in the Policy Schedule.Person(s) InsuredYou, Your Partner and Children if they areshown as insured on the Policy Schedule.Private Medical InsuranceA health insurance contract as defined in theIrish Health Insurance Acts, underwritten byeither the Voluntary Health Insurance Board,Aviva Health, Laya Healthcare or Glo Health,which incorporates cover for medicalexpenses Abroad and is shown in the PolicySchedule.provided that:a) No claim has been made or will be madefor Cancellation Costs or CurtailmentCostsb) Travel is of a standard no greater than theclass of transport originally booked; andc) The standard of accommodation is notsuperior to that originally bookedd) The total amount payable will not exceedthe cost of the original Holidaye) The rearranged Holiday must be bookedand fully paid no later than 6 months afterthe date of commencement of the originalHoliday.SedgwickSedgwick Travel Claims, Merrion Hall, StrandRoad, Sandymount, Dublin 4.Specially Designated ListMeans names of a person, entities, groups,corporate specified on a list who are subjectto as trade or economic sanctions or othersuch similar laws or regulations of the UnitedStates of America, United Nations, EuropeanUnion or United Kingdom.Total Underlying LimitThe maximum policy limit in respect ofmedical expenses Abroad under a PersonInsured’s Private Medical Insurance.Travelling CompanionsFriends, associates or companionsaccompanying You on a Holiday.WarArmed conflict between nations, invasion, actof foreign enemy, civil war, military or usurpedpower.Public ConveyanceAn air land or water vehicle operated underlicence for the transportation of fare-payingpassengers.We, Us, OurChubb European Group SE; of or pertaining toChubb European Group SE.Rearrangement CostsReasonable travel and accommodation costsnecessarily incurred in rearranging a HolidayWinter SportsSkiing (including skiing outside the area of thenormal compacted snow or ski slope, i.e. off-SuperValu Travel Insurance9
piste), tobogganing, snow boarding and iceskating (other than on an indoor rink) butexcluding competitive winter sports (including,but not limited to, ski or ski bob racing, monoskiing, ski jumping, ski boarding, ice hockey orthe use of bobsleighs or skeletons).You; YourThe Policyholder shown in the PolicySchedule; of or pertaining to the Policyholdershown in the Policy Schedule.1.2 Holidays CoveredThe type of Policy You have chosen, singletrip or annual multi-trip, is shown on the PolicySchedule.A. Single trip PolicyA single trip Policy covers a HolidayAbroad or in Ireland, during the Periodof Insurance. Winter Sports cover isincluded if shown as covered on the PolicySchedule.1.3 Holidays Not CoveredWe will not cover any Holidaya) which involves You travelling specificallyto obtain medical, dental or cosmetictreatment;b) when You have been advised not totravel by Your Doctor or You havereceived a terminal prognosis;c) where, on the date it is booked (orcommencement of the Period ofInsurance if later), You or Your TravellingCompanion are aware of any reason whyit might be cancelled or Curtailed, or anyother circumstance that could reasonablybe expected to result in a Claim underthis Policy;d) involving travel to areas where theDepartment of Foreign Affairs allocates asecurity status of ‘Avoid non-essentialtravel’ or ‘Do not travel’. If You are notsure whether there is a travel warning forYour destination, please check theirwebsite www.dfa.ie.B. Annual multi-trip PolicyAn annual multi-trip Policy covers allHolidays during the Period of Insuranceprovided they meet the followingconditions:i. No individual Holiday Abroadcontinues for more than 30consecutive days; andii. No more than 90 days in total arespent on Holidays Abroad in anyPeriod of Insurance; andiii. Each Holiday in Ireland includes atleast 2 nights spent in accommodationthat is booked before the Holidaybegins.Up to 21 days Winter Sports cover isincluded in any Period of Insurance, ifshown as covered on the Policy Schedule.10SuperValu Travel Insurance
1.4 Persons InsuredThere is no cover under the Policy unless all ofthe following conditions are met:a) Each Person Insured must bei. A resident of IrelandResident in Ireland for a minimum of180 days per calendar yearii. A member of Private MedicalInsuranceInsured under current Private MedicalInsurance at the time this Policy wasapplied for and which remainscontinuously in force throughout theduration of any Holiday.b) Children travelling without You or YourPartner will only be insured under a familyannual multi-trip Policy, and then only ifthey are travelling:i. In the company of an adult (i.e.someone not defined as a Child underthis Policy) You or Your Partner know(other than on an organised school,college or university trip); orii. As an unaccompanied minor on ascheduled air service which operatesan unaccompanied minor scheme,and then only if they are travelling withthe intention of joining, or beingsubsequently joined by, another adultinsured under this Policy.1.5 When cover operates for aHolidayInsurance cover for Cancellation under Part IIISection 3 – Cancellation, Curtailment andRearrangement begins:a) Annual Multi-Trip: when a Holiday isbooked, if this Policy is in force at the timeof booking (refer to Policy schedule fordates of cover).b) Single Trip: when You purchase thisPolicy.c) Insurance under all other Sectionsoperates for a Holiday that takes placeduring the Period of Insurance andincludes travel directly to and from thehome of each Person Insured providedthe return home is completed within 24hours of:i) return to Ireland; orii) departure from pre-bookedaccommodation following a Holidaywithin Ireland which is covered underan annual multi-trip Policy.d) If the return of a Person Insured from aHoliday is unavoidably delayed Due To aClaim, he or she will continue to beinsured without any additional premiumfor the period of the delay.e) If there is a change to this Policy it willbegin on the Effective From date shownon the subsequent Policy Schedule that isissued to record the change in cover.1.6 Claims ConditionsWe have the right to refuse to pay any Claimif:a) At the time You applied for this Policy, youwere unable to make the statements weasked you to make, and which appear inYour Policy Schedule under the Sectionentitled “Your declaration to us”; orb) the Claim is Due to any reason specifiedas not being covered in Your PolicySchedule under the Section entitled “Yourdeclaration to us”.SuperValu Travel Insurance11
1.7 Making a ClaimType of Claima) Medical Expenses onlyPlease make sure that You and eachPerson Insured ALWAYS take the contactdetails of the MED
have any questions please call SuperValu Travel Insurance on 1890 719 425 from within Ireland or 353 (0)1 440 2784 from outside Ireland or e-mail: supervalu.travelinsurance@chubb.com This is . Your. Holiday Plus Travel Insurance Policy which, together with Your Policy S
