Chubb Travel Insurance · Chubb European Group SE, insurance company with head office at La Tour...
Transcript of Chubb Travel Insurance · Chubb European Group SE, insurance company with head office at La Tour...
Your Policy Document
Chubb Travel Insurance
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE -
Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173. 2
Advice to Travellers
Important Phone Numbers
Plea se make a note of the following phone
n umbers or add them to Your mobile; You
m ay need them in an emergency or if You
n eed to make a Claim .
Ch u bb Assistance
For ov erseas medical emergencies please con tact Chubb Assistance on:
Telephone: +351 21 020 00 52
E-m a il: a [email protected]
(2 4 hours a day, 365 days a year)
Ch u bb Claims
Telephone: +351 21 020 00 51
E-m a il: a [email protected]
Web: https://chubb-r eembolsos.giarna.com.pt/pt/
Ch u bb Customer Service
Telephone: +351 21 020 00 51
E-m a il: a [email protected]
Helpful hints for y our insurance
• Ta ke copies of Your policy documents
on You r T rip with You;
• Repor t any Loss of theft to the hotel
or local police within 24 hours and get
a r eport from them;
• Keep V aluables safe (for example in a
sa fety deposit box);
• Don ’t leave Valuables ly ing around or
in v iew of other people;
• Leav e yourself enough t ime to get to
th e airport, park, and g et through
security. Remember to a llow time for
delays in traffic or travel
• Con tact Us if You have a change in
h ea lth that may lead to You having to
ca ncel or alter Your Trip
• Con tact Us for a dvice before incurring
costs that You would seek to
su bsequently Claim for under this
Policy 020 3282 0103.
Immunisations
You may n eed extra immunisations when
tr avelling A broad. Check whether You do
befor e travelling online at Min istério dos
Neg ócios Est rangeiros
h ttps://www.portaldascomunidades.mne.pt
EHIC
If You a re travelling to Europe (all EU
cou ntries plus Iceland, Liechtenstein,
Nor way & Switzerland) You should obtain a
Eu r opean Heath In surance Card (EHIC and
ta ke it with You when You travel. This will
a llow You to benefit from the reciprocal
h ea lth arrangements, which exist with these
cou ntries and, if You have a valid Claim for
Medical Expenses under this Policy, We will
n ot deduct the Excess where the cost of
You r Claim has been reduced by You
u sing Your EHIC.
You can get more information about the
EHIC, a pply or renew Online at:
Website: www.seg-social.pt
By post : Forms available online.
Waiver
If You h ave a valid Claim for medical
ex penses under this Policy, which is reduced
by Your
• u sing an EHIC or
• ta king a dvantage of a reciprocal health
a g reement with Portugal; or
• u sing Your private medical insurance
a t the point of treatment,
We w ill not deduct the excess.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
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Contents
Advice to Travellers 2
Im portant Ph one Number s 2
Helpful hints for y our in surance 2
Immunisation s 2
EHIC 2
Waiv er 2
Welcome 6
Table of Benefits 7
Important Information 8
How to Claim 8
How to Cancel 8
General Conditions and General Exclu sion s 8
Per sons Cov ered 8
Policy Definitions 8
Children 8
Trips Cov ered 8
Trips Not Cov ered 8
The Cov er We Pr ov ide 9
When You Are Cov ered 9
When Cov er Will En d Automatically 9
Automatic Extension of the Period of In surance 9
Leisure Activ ities and Sports 9
Chubb Assistance 11
Medical Emergency and Referral Serv ices 1 1
Per sonal Assistance Serv ices 1 2
Section 1 - Cancellation 13
What is cov ered 1 3
What is not cov ered 1 4
Section 2 – Medical Expenses & Repatriation 15
What is cov ered 1 5
Special Con dition s 1 5
What is not cov ered 1 5
Section 3 – Hospital Benefit 16
What is cov ered 1 6
What is not cov ered 1 6
Section 4 – Travel Delay / Abandonment 17
What is cov ered 17
Special Con dition s 17
What is not cov ered 17
Section 5 – Missed Departure 18
What is cov ered 1 8
Special Con dition s 1 8
What is not cov ered 1 8
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
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Section 6 –Curtailment 19
What is cov ered 1 9
What is not cov ered 1 9
Section 7 – Personal Effects & Baggage 21
What is cov ered 2 1
Special Con dition s 2 1
What is not cov ered 2 1
Section 8 – Loss of Passport / Driving Licence 23
What is cov ered 2 3
Special Con dition s 2 3
What is not cov ered 2 3
Section 9 – Personal Money 23
What is cov ered 2 3
Special Con dition s 2 3
What is not cov ered 2 3
Section 10 – Personal Accident 24
What is cov ered 2 4
Special Con dition s 2 4
What is not cov ered 2 4
Section 11 – Personal Liability 24
What is cov ered 2 4
Special Con dition s 2 4
What is not cov ered 2 4
Section 12 – Overseas Legal Expenses 25
What is cov ered 2 5
Special Con dition s 2 5
What is not cov ered 2 6
General Exclusions 28
Making a Claim 30
Reporting Lost, Stolen or Damaged Pr operty 3 0
Claim Conditions 31
Other Insurance 3 1
Recov ering Our Claims Payments fr om Others 3 1
Comply ing with Special Condit ions 3 1
Supply ing Details & Documents 3 1
Your Duty to Av oid or Minimise a Claim 3 1
Pr otecting Pr operty 3 1
Sending Us Legal Documents 3 1
Subr ogation 3 1
Things You Mu st Not Do 3 1
Recognising Our Rights 3 1
Fraudulent Claims 3 2
Pay ing Claims 3 2
General Conditions 33
Contract 3 3
Ch oice of Law 3 3
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
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Third Party Rights 3 3
Compliance with Policy Requirements 3 3
Changing Your Policy 3 3
Cancelling Your Policy 3 3
Other taxes or costs 3 3
Misr epresentation and Non -Disclosure 3 4
Interest 3 4
Bank Charges 3 4
Complaints pr ocedures 3 4
European Online Dispute Resolution Platform 3 4
Prudential Regulation Authority and Financial Conduct Authority 3 5
Portuguese Insurance and Pensions Funds Superv isory Authority – ASF 3 5
General Definitions 36
Data Pr otect ion 4 0
Language 4 0
Contact Us 41
About Chubb 41
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
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Welcome
Thank you for choosing Chubb Travel Insurance.
Th is is Your Policy Wording which, together with Your Certificate of In surance and the
in formation supplied when applying for this insurance, is a contract between You and Us.
Cov er provided under this Policy is underwritten by Chubb European Group SE,
Por tuguese branch (We/Us).
Th is Policy pays benefits, if shown as insured on your Certificate of In surance, in a ccordance
w ith this Policy Wording, in the ev ent that You:
• n eed to cancel Your T rip before it begins; or
• su ffer illness or injury; or
• a r e delayed en r oute; or
• su ffer Loss or damage to Your Personal Property or Mon ey
a ll whilst on a Trip.
Th is Policy does not cov er:
• a ny pre-existing medical conditions; or
• m anual work of a ny description; or
• a ny Trip where Winter Sports is the main reason for Your trip.
You (a s specified in the Certificate of In surance) and Chubb agree that You shall pay the
pr emium as agreed. The Certificate of In surance and this Policy Wording prov ides the full
terms and conditions of the insurance with Us. You acknowledge that We have offered this
Policy and set the premium using the information which We have asked for and You have
pr ov ided, and that any change to the r esponses prov ided by You may r esult in a change in the
terms and conditions of the Policy and/or a change in the premiu m.
You sh ould check ov er the Policy Wording and Certificate of In surance carefully to ensure
th ey are correct and meet Your requirements, and notify Us immediately, if anything is
in correct, as this could a ffect Policy cov er in the ev ent of a Claim. You should keep these
documents in a safe place. You must tell Us if either Your insurance n eeds or any of the
in formation You have g iven Us changes. A change in circumstances may affect Policy cov er,
ev en if You do n ot think a change is significant, and We may n eed to change this Policy. We
w ill update the Policy a nd issue a new Certificate of In surance each time a change is agreed.
Ig n acio Bor ja
Cou ntry Pr esident Iberia
Ch ubb European Group SE
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
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Table of Benefits (Your chosen product is shown on your Certificate of insurance)
Sect ion / Policy Type
Benefit Amounts /Limit of Liability
Excess1 T ravel Insurance including
Ca ncellation
T ravel Insu rance exclu ding
Ca ncellation
Ca ncellation Insu rance
1. Cancellation Fl i ght Cost 2 plus up to €500 for unused
trav el costs Not Insured
Fl i ght Cost 2 pl us up to €500
for unused trav el costs
✓
2. Medical Expenses & Repatriation Not Insured
A. i . Medical Expenses
ii . Emergency Repatriation Expenses
In Europe: up to €250,000
Worl dwi de: up to €500,000
In Europe: up to €250,000
Worl dwi de: up to €500,000
✓
iii. Travel Expenses €60 per day up to a
Max of €600 €60 per day up to
a Max of €600 ✓
B. A ccompanying Traveller Expenses
€60 per day up to a Max of €600
€60 per day up to a Max of €600
✓
C. Cremation Burial or Transportation Charges
up to €5,000 up to €5,000 ✓
D. Emergency Dental Treatment up to €250 up to €250 ✓
3. Hospital Benefit €15 for each full 24 hours up to a Max
of €750
€15 for each full 24 hours up to a
Max of €750 Not Insured ✗
4. Travel Delay/Abandonment Not Insured
A. Each complete 12 hour period €75 up to a Max of
€300 €75 up to a Max
of €300 ✗
B. A bandonment
In Europe: up to €500
Worl dwi de: up to €1000
In Europe: up to €500
Worl dwi de: up to €1000
✓
5. Missed Departure up to €200 up to €200 Not Insured ✓
6. Cu rtailment
In Europe: up to €500
Worl dwi de: up to €1000
In Europe: up to €500
Worl dwi de: up to €1000
In Europe: up to €500
Worl dwi de: up to €1000
✓
7. Personal Effects and Baggage Not Insured A. Loss, damage or theft up to €1,500 up to €1,500 ✓
Single i tem limit €250 €250
V aluables limit up to €250 up to €250
Sports equ ipment limit up to €250 up to €250
B. Delayed Baggage up to €200 up to €200 ✗
8. Loss of Passport / Driving Licence temporary replacement costs
up to €250 up to €250 Not Insured ✗
9. Personal Money up to €300 up to €300 Not Insured ✓
10. Personal Accident up to €10,000 up to €10,000 Not Insured ✗
11. Personal Liability up to €1,000,000 up to €1,000,000 Not Insured ✓
12. Overseas Legal Expenses up to €10,000 up to €10,000 Not Insured ✗
1 A €50 excess a pplies to each benefit section per person as h ighlighted in the table above.
Howev er, under Section 1. Cancellation, the excess is 10% of t he a pplicable claim amount,
su bject t o a m inimum of €50.
2 Flight Cost means the t otal cost of y our flight as sh own on your flight booking con firmation.
T h e table a bove shows the maximum amounts that a re cov ered under the policy per person.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
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Important Information
How to Claim
Gu idance on how to make a Claim under
th is Policy is detailed on page 30 in this
Policy Wording.
How to Cancel
Gu idance on how to cancel this Policy is
detailed on page 33 in this Policy Wording.
General Conditions and General Exclusions
Th ere are certain Conditions and Ex clusions
w h ich apply to a ll sections of this Policy, and
th ese are detailed on pages 33 to 35 and 28
to 2 9 in this Policy Wording.
Persons Covered
A ll Persons Insured on this Policy
m ust be:
1 . permanently r esident in Portugal and
be in Portugal at the t ime of
pu r chasing this Policy; and
2 . 6 4 years of age or under a t the t ime of
pu r chasing this Policy.
Policy Definitions
Cer tain words in this Policy have a specific
m eaning. They have this specific meaning
w h erever they appear in this Policy and are
sh own by using bold text and capital letters.
A ll Policy definitions are a pplicable to this
Policy as a whole, and are detailed on pages
3 6 to 39 in this Policy Wording.
Children
Ch ildren will only be cov ered when they
a r e travelling with an a dult named under
Person (s) Insured on the
Cer tificate of In surance.
Trips Covered
Th e Plan Type You have chosen, Travel
In su rance including Cancellation, Travel
In su rance excluding Cancellation or
Ca n cellation In surance, is shown on your
Cer tificate of In surance.
1 . Tr avel In surance including Cancellation
a n d Travel In surance excluding
Ca n cellation.
A T rip A broad during the Period of
Insu rance that takes place entirely
w ithin the Area of Travel stated in the
Cer tificate of In surance, as long a s You
h av e booked a return flight to Your
cou ntry of or igin before y ou depart for
You r Trip.
2. Ca n cellation In surance,
a. Rou nd Trip
A T rip A broad during the Period
of Insu rance that takes place
en t irely within the Area of Travel
sta ted in the Certificate of
In su rance.
b. One wa y Trip
A T rip A broad during the Period
of Insu rance that takes place
en t irely within the Area of Travel
sta ted in the Certificate of Insurance
bu t has n o scheduled return date.
Trips Not Covered
We will not cover a ny Trip
• wh ich involves manual work of
a ny description;
• wh ere Winter Sports is the main
rea son for Your trip;
• wh ich involves You t ravelling on
a Cru ise;
• wh ich involves You t ravelling
specifically to obtain m edical,
dental or cosmetic treatment;
• wh en You h ave been a dvised not
t o t ravel by Your Doct or or You
h a ve received a terminal
prognosis;
• wh ere, on the date it is booked
(or com m encement of the Period
of Insu rance if later), You or
You r Travelling Companion are
a wa re of a ny reason why it might
be ca ncelled or Curtailed, or any
ot h er circumstance that cou ld
rea sonably be expected t o result
in a Claim under this Policy;
• involving travel t o areas where
t h e Foreign and Commonwealth
Office h as a dvised a gainst ‘a ll
t ravel’. If You are not sure
wh ether there is a travel warning
for You r destination, please
ch eck their website.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
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The Cover We Provide
Th e maximum amount We will pay under
ea ch Section that applies is detailed in the
Ta ble of Benefits on page 7 in this Policy
Wor ding.
When Y ou Are Covered
1 . Ca n cellation cov er under Section 1
beg ins when a T rip is booked, or from
th e commencement date and time
sta ted in the Certificate of In surance,
w h ichever is later. It ends when You
sta rt Your T rip.
2. In su rance cover under all other
Sect ions operates for a Trip that takes
pla ce during the Period of
Insu rance .
When Cover Will End Automatically
Th e Plan Type You have chosen, Travel
In su rance including Cancellation, Travel
In su rance excluding Cancellation or
Ca n cellation In surance, is shown on your
Cer tificate of In surance.
1 . Tr avel In surance including Cancellation
a n d Travel In surance excluding
Ca n cellation
A ll cover will end when the Period of
Insu rance ends.
2. Ca n cellation In surance
a. Rou nd Trip
A ll cover will end when the Period
of Insu rance ends.
b. One Wa y Trip
A ll cover will end 24 hours a fter
You start Your T rip.
Automatic Extension of the Period of Insurance
If You cannot r eturn home from a Trip
befor e Your cov er ends, Your policy will
a u tomatically be extended at n o extra
ch arge for:
• u p t o 14 da ys if any Public
T ransport in which You are booked
to tr avel as a ticket-holding passenger
is u n expectedly delayed, cancelled or
Cu rtailed because of A dverse
Wea ther, industrial a ction, or
m echanical breakdown; or
• u p t o 30 da ys (or any longer period
a g reed by Us in writing before this
a u tomatic extension expires) if You
ca nnot return h ome Du e T o:
You being injured or becom ing
ill or being quarantined during
a T rip.
You being required to stay on
m edical adv ice with another
Person Insured named on
You r Certificate of In surance
w h o is injured or becomes ill or is
qu a rantined during a T rip.
Leisure Activities and Sports
You a re automatically covered when
pa r ticipating in any of the leisure a ctivities
or spor ts listed in this section, on a
r ecreational basis during Your Trip,
su bject to any prov isions, limitations or
ex clusions noted by the relevant sport or
a ct ivity and prov ided that:
1 . You h ave not been advised by a
Doct or a gainst participating in such
spor t or a ctivity;
2. You w ear the r ecommended/
r ecognised safety equipment;
3. You follow safety procedures, rules
a n d regulations a s specified by the
a ct ivity organisers/prov iders;
4. You a re n ot racing or competing in or
pr a ctising for speed or t ime trials of
a ny kind; and
5. It is n ot the main r eason for
You r Trip.
Im portant Note
If a leisure activity or sport is not
l isted then we will not provide cov er
u nder the Policy.
• A r chery (prov ided supervised by a
qu a lified person)
• A rm wrestling
• Ba dminton
• Ba sketball
• Bea ch basketball
• Bea ch cricket
• Bea ch football
• Bea ch volleyball
• Bocce
• Body boarding
• Bow ls
• Bow ling
• Ca n oeing, kayaking and rafting on
in land waters on ly (excluding
wh ite water)
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
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• Ca rriage or hay or sleigh r ides
• Clay -pigeon sh ooting (prov ided
su pervised by a qu alified person)
• Cr icket
• Cr oqu et
• Cu rling
• Cy cling (except BMX and/or
m ountain biking)
• Deep sea fishing
(ex cluding competitions)
• Dr y skiing
• Eleph ant r iding (less than 2 days)
• Fell walking
• Fen cing (provided supervised by a
qu a lified person)
• Fish ing, or angling (on inland
w a ters only)
• Footbag (hacky sa ck)
• Footba ll (Association)
• Go ka rting (provided You wear a
cr ash helmet)
• Golf
• Ha ndball
• Hiking or hill walking (up to 1,000m
a bove sea level, on ly covered if no
gu ides or ropes are required)
• Hor se riding (prov ided n o hunting,
ju mping or polo)
• Hot a ir ballooning (prov ided it is
pr ofessionally organised, and You
tr avel a s a passenger on ly)
• Ice ska ting (excluding ice h ockey and
speed skating)
• In lin e skating
• Ja v elin
• Jet skiing
• Kor fball
• La crosse
• La n d sailing
• La ser games
• Lon g jump
• Ma x i-basketball
• Min i-basketball
• Motor cy cling up t o 125cc provided
You w ear a crash helmet, and h old a
fu ll (and n ot prov isional) Portugal
m otorcycle licence if You are in
con trol of the motorcycle
• Netball
• Pa ddleball
• Pa r ascending (prov ided ov er water)
• Pon y trekking
• Ra cquetball
• Ra mbling (up t o 1,000m a bove sea
lev el, only covered if no guides or
ropes a re required)
• Roller skating
• Roller blading
• Rou n ders
• Row ing (on inland waters only)
• Ru n ning (recreational)
• Sa fari (camera only and
pr ofessionally organised)
• Sa il boarding
• Sa iling or yachting (inland and coastal
w a ters only)
• Scu ba diving (to a depth not
exceeding 18m and provided that
You a re either accompanied by a
qu a lified instruction, or You are
qu a lified and not diving alone)
• Sn or kelling
• Soccer
• Squ a sh
• Softball
• Str eetball
• Su rfing
• Sw imming
• Ta ble tennis
• Ten nis
• Tr ampolining
• Tr ekking (up t o 1,000m a bove sea
lev el, only covered if no guides or
ropes a re required)
• Tr iple jump
• Tu g of war
• Tw irling
• V olleyball
• Wa ter polo
• Wa ter skiing
• Win d surfing
Plea se refer to the relevant exclusions
u nder each Section of Your Policy and
t o t h e General Exclusions, which
con t inue to a pply. Please specifically
n ot e the exclusion under Section 11 -
Person al Liability relating to the
ownership, possession or u se of
v ehicles, a ircraft, hovercraft,
wa t ercraft, firearms or buildings.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE -
Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173. 11
Chubb Assistance
Ch u bb Assistance can provide a range of
a ssistance and medical related services
du r ing Your Trip Abroad. Please make
su r e You have details of this Policy,
in cluding the Policy number and Period of Insu rance when You call.
To con tact Chubb Assistance please call:
+351 21 020 00 52
Medical Emergency and Referral Services
If You a re injured or become ill Abroad You must contact Chubb A ssistance immediately if You n eed hospital in-patient tr eatment, specialist treatment, medical tests, sca ns or to be brought back to Portugal.
If You cannot do this yourself, You must a r range for a personal r epresentative (for ex ample, a spouse or parent) to do this for You . If this is not possible because Your con dition is serious, You or Your personal r epresentative must contact Chubb A ssistance a s soon as possible.
If Ch u bb Assistance are not contacted, We m ay reject Your Claim or r educe its pa y ment.
In a ll other circumstances You are entitled to u se the services of Chubb Assistance detailed in this section, as appropriate.
Ch u bb Assistance - Medical Emergency
a n d Referral Services can help with:
A. Pa y ment of bills - if You are admitted
to h ospital Abroad, the hospital or
a t tending Doctor(s) will be contacted
a n d payment of their fees up to the
Policy limits may be guaranteed so that
You do n ot have to make the payment
fr om Your own funds.
B. Bein g brought back to Portugal - if
th e Doct or appointed by Chubb
A ssistance believes treatment in
Port ugal is preferable, transfer may
be a rranged by regular scheduled
tr ansport services, or by air or r oad
a m bulance services if more urgent
tr eatment and/or specialist care is
r equ ired during the Trip.
C. Pr ov ision of medical advice –
i) if You r equire emergency
con sultation or treatment
A broad, Chubb Assistance
w ill provide the names and
a ddresses of local Doct ors,
h ospitals, clinics and dentists,
a n d its panel of Doct ors will
pr ov ide telephone medical
a dv ice.
ii) if n ecessary Chubb A ssistance
w ill make arrangements for a
Doct or to call, or for You to be
a dmitted to hospital.
D. Un supervised Children - if a Ch ild is
left unsupervised on a T rip Abroad
because You are h ospitalised or in capacitated, Chubb A ssistance
m ay organise their return home,
in cluding a suitable escort when
n ecessary.
Plea se n ote that whilst You will n ot be ch arged for advice or a ssistance, You will be
r esponsible for paying fees and charges for
serv ices prov ided to You if they are not
cov ered as part of a valid Claim under this
Policy .
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
12
Personal Assistance Services
• Th e services under this Section are
pr ov ided by Chubb A ssistance and
a r e only available during a
T rip Abroad.
• Th ese are non-insured facilitation
serv ices making use of Chubb
A ssistance’s wide experience and
con tacts. Any costs incurred, for
ex ample for message r elay, must be
r eimbursed to Chubb Assistance
u n less they form part of a successful
Cla im under an a ppropriate Section of
th is Policy.
Ch u bb Assistance – Personal Assistance Serv ices can help with:
A. T ransfer of em ergency funds
Tr ansfer of emergency funds u p to
€250 per T rip if access to normal
fin ancial/ banking arrangements are
n ot av ailable locally. In order to
r eimburse Chubb A ssistance You
m ust authorise Chubb A ssistance to
debit Your credit or charge card with
th e amount of the transfer, or make
a lternative arrangements to deposit
th e funds in Chubb Assistance’s
a ccount in Portugal. If the emergency
tr ansfer is n eeded Du e T o theft or
Loss of per sonal money, a Claim may
be m ade under the Policy.
B. Messa ge relay
Tr ansmission of urgent messages to
r elatives or business associates if
m edical or travel problems disrupt a
T rip travel schedule.
C. Replacement travel documents
A ssistance with the r eplacement of
Lost or stolen t ickets and travel
documents, and r eferral to suitable
tr avel offices. Chubb Assistance will
n ot pay for any item.
D. Em ergency translation facility
A translation service if the local
pr ov ider of a n assistance service does
n ot speak English.
E. Lega l h elp
Refer ral to a local English speaking
La wyer, Embassy or Consulate if legal
a dv ice is n eeded, and arrangement of
pa y ment of reasonable emergency
Lega l Expenses or bail, against a
g u arantee of repayment.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
13
SECT ION 1 -12 ONLY A PPLY IF SHOWN A S INSURED ON YOUR
CERT IFICA TE OF INSURA NCE
Section 1 - Cancellation
What is covered
We w ill refund Your proportion of unused
tr avel and/or accommodation costs up to
th e amount stated in the Table of Benefits
(in cluding excursions pre-booked and paid
for before starting Your T rip), which You
h av e paid or are contracted to pay and
w h ich cannot be recov ered from any other
sou r ce if it becomes necessary to cancel a
T rip Du e T o:
1 . You or Your Travelling
Com panion(s)
A. dy ing; or
B. su ffering serious injury; or
C. su ffering sudden or serious
illness; or
D. su ffering from complications in
pr egnancy if incurred in a n
em ergency as a r esult of
com plications (where such
com plications are diagnosed by a
Doct or w ho specialises in
obstetrics); or
E. being compulsorily quarantined
on th e or ders of a
t r eating Doct or;
pr ov ided that such cancellation is
con firmed a s medically necessary by
th e treating Doctor.
2. You r Immediate Family Member
or Close Bu siness Colleague or
You r Travelling Companion’s
Im m ediate Family Member or
Close Bu siness Colleague or
som eone You have arranged to stay
w ith on Your Trip:
A. dy ing; or
B. su ffering serious injury; or
C. su ffering sudden or serious
illness; or
D. su ffering from complications in
pr egnancy if incurred in a n
em ergency as a r esult of
com plications (where such
com plications are diagnosed by a
Doct or w ho specialises in
obstetrics);
pr ov ided that such reasons for
ca ncellation are confirmed
by a Doct or.
3. th e police requiring You or Your
T ravelling Com panion’s presence
follow ing a burglary or attempted
bu rglary at Your or Your Travelling
Com panion’s home.
4. ser ious fire storm or flood damage to
You r or Your Travelling
Com panion’s home, provided that
su ch damage occurs within the 7 days
immediately prior to commencement
of You r T rip.
5 . th e compulsory jury service or
su bpoena of You or Your
T ravelling Com panion
6. You or Your Travelling
Com panion being made redundant
a n d having registered a s unemployed.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
14
What is not covered
1 . A ny Claim Du e To
A. a ny pre-existing medical
con dition affecting a ny
person u pon whom Your
T rip depends that was
dia gnosed, treated or
requ ired hospital inpatient
or ou t patient treatment at
a ny time before Your Trip
wa s booked (or
com m encement of the
Period of Insurance if later),
a nd which could result in
You h aving to ca ncel Your
T rip;
B. ju ry service or subpoena if
You or You r Travelling
Com panion a re ca lled a s an
expert witness or where
You r or their occu pation
wou ld normally require a
Cou rt attendance;
C. redundancy wh ere You or
You r Travelling Companion:
i) were u nemployed or
knew that You or they
m ay become
u nemployed, at the time
t h e Trip
wa s booked;
ii) a re voluntarily made
redundant or made
redundant as a result of
m isconduct or
following resignation;
iii) a re self-employed or a
con t ract worker;
D. a ny adverse financial
sit uation causing You to
ca ncel Your T rip, other than
rea sons stated within the
sect ion
'Wh at is covered’.
E. You or You r Travelling
Com panion(s) deciding that
You do not want t o travel,
u nless that reason for not
t raveling is stated within the
sect ion
'Wh at is covered'.
F. T h e failure to obtain the
necessary passport, visa or
permit for Your Trip.
2. A ny loss, charge or expense Du e
T o:
A. a delay in notifying the tour
operator, travel a gent, or
t ransport or a ccommodation
prov ider that it is necessary
t o ca ncel a booking;
B. proh ibitive regulations by
t h e government of any
cou ntry.
3. A ny charge or expense paid for
wit h, or settled u sing, a ny kind of
prom otional voucher or points,
t imeshare, h oliday property bond
or h oliday points sch eme, or a ny
Cla im for management fees,
m a intenance cost s or exchange
fees a ssociated in relation to
t imeshares or similar
a rrangements.
4. T h e Excess.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
15
Section 2 – Medical Expenses & Repatriation
What is covered
If du ring a T rip Abroad You:
1 . a r e injured; or
2. become ill (including complications in
pr egnancy as diagnosed by a Doct or
or specialist in obstetrics, prov ided
th at if You are travelling between 28 a n d 35 weeks pregnant You obtained
w r itten confirmation from a Doctor of
You r fitness to travel no earlier than 5
da y s prior to the commencement of
You r Trip Abroad);
We w ill pay up to the amount stated in the
Ta ble of Benefits for:
A . i) Medical Expenses
A ll reasonable costs that it is
m edically necessary to incur
ou tside of Portugal for hospital,
a m bulance surgical or other
dia gnostic or r emedial treatment,
g iv en or prescribed by a Doct or,
a n d including charges for staying
in a h ospital;
ii) Em ergency Repatriation
Ex pen ses
A ll reasonable costs that it is
m edically necessary for Chubb
A ssistance to incur to r eturn
You to Your home in Portugal;
or to m ov e You to the most
su itable hospital in Portugal; if
it is m edically necessary to do so.
iii) Tr avel Ex penses
A ll necessary and r easonable
a ccommodation (room on ly) and
tr avel expenses incurred with the
con sent of Chubb Assistance ,
if it is medically n ecessary for
You to stay A broad after Your
sch eduled date of r eturn to
Port ugal, including travel costs
ba ck to Portugal if You cannot
u se Your or iginal return t icket.
B. A ccompanying Traveller Ex penses
A ll necessary and r easonable
a ccommodation (room only) and travel
ex penses incurred with the consent of
Ch u bb Assistance , by any one other per son if required on medical advice to
a ccompany You or to escort a Child
h om e to Portugal.
C. Cr emation Burial or Transportation
Ch arges if You die A broad
i) cr emation or burial charges in the
cou ntry in which You die; or
ii) tr ansportation charges for
r eturning Your body or a shes
ba ck to Portugal.
D. Em ergency Dental Treatment
A ll medically necessary and reasonable
cost to prov ide emergency dental
tr eatment for the relief of pa in only,
ou tside of Portugal.
Special Conditions
1 . If You a re injured or become ill
A broad You must follow the
pr ocedure detailed under ‘Making a
Cla im’ on page 30 of this Policy. If
You do n ot , We may r eject Your
Cla im or r educe the amount that We
pa y You.
2. Ch u bb Assistance may:
A. m ov e You from one hospital to
a n other; and/or
B. r eturn You to Your home in
Port ugal; or move You to the
m ost suitable hospital in
Port ugal;
a t a ny t ime, if Chubb Assistance
believes that it is necessary and sa fe to
do so.
3. A dditional travel and hotel expenses
m ust be authorised in a dvance by
Ch u bb Assistance .
4. A ll original r eceipts must be kept and
pr ov ided to support a Claim .
What is not covered
1 . A ny Claim Du e To a ny pre-
existing m edical con dition that
wa s diagnosed, treated or
requ ired hospital inpatient or
ou t patient t reatment in the 5
y ear period before Your Trip wa s
booked (or commencement of the
Period of Insurance if later);
2. A ny treatment or surgery or
exploratory tests:
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
16
A. not con firmed as medically
necessary; or
B. not directly related to the
injury or illness that You
were a dmitted to h ospital
for.
3. Su rgery, medical or preventative
t reatment which can be delayed
in t he opinion of t he Doct or
t reating You until You return t o
t h e Portugal.
4. A ny costs incurred following
You r decision not t o move
h ospital or return to Portugal
a ft er the date when, in the
opinion of Ch ubb A ssistance, You
sh ou ld do so.
5. Cosm etic Su rgery.
6. T reatment or services provided
by a ny convalescent or nursing
h om e, rehabilitation centre or
h ea lth spa.
7 . A ny medical treatment that You
t ravelled A broad t o obtain.
8. Medica tion You a re taking
before, a nd which You will have
t o con t inue taking during, a T rip.
9. A ny expenses incurred in the
Port ugal.
10. A ny additional travel and
a ccom modation expenses
incurred which have not been
a u thorised in advance by Ch ubb
A ssistance.
11 . A ccommodation and travel
expenses where the transport
a nd/or a ccommodation u sed is of
a st andard superior to that of t he
T rip.
12. A ny additional costs for single or
private room accommodation.
13. Cremation or burial costs in
Port ugal.
14. T h e cost of m edical or surgical
t reatment of a ny kind received by
a Person Insured later than 52
weeks from the date of t he
a ccident or commencement of
t h e illness.
15. T h e Excess, except where You
h a ve obtained a reduction in the
cost of m edical expenses by using
a Eu ropean Health Insurance
Ca rd (EHIC) in the Eu ropean
Union , (including Iceland,
Liechtenstein, Norway &
Swit zerland) if You require
m edical treatment whilst i n the
cou ntry.
16. A ny Claim wh en You have
t ravelled a gainst the advice of
You r Doct or.
17 . A ny complication in pregnancy
t h at wa s known by You at the
t ime of t ravel.
Section 3 – Hospital Benefit
What is covered
If You a re a dmitted to a hospital as an in-
pa t ient during a Trip Du e T o injury or
illness for which You have a valid Claim
u n der Section 2 – Medical Ex penses &
Repa triation, We will pay the benefit
a m ount stated in the Table of Ben efits for
ea ch complete 24 h ours that You remain a
h ospital in-patient, up to the maximum
a m ount stated in the Table of Ben efits.
What is not covered
We will not pay for t ime You spend in
a n institution not recognised a s a
h ospital in the country of t reatment.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
17
Section 4 – Travel Delay / Abandonment
What is covered
If You a re delayed for at least 12 hours on
You r outbound international Trip or the
fin al part of Your international return Trip
because the scheduled departure of Pu blic
T ransport is affected by a strike; industrial
a ct ion; Adverse Weather; mechanical
br eakdown or grounding of a n aircraft Du e
T o m echanical or structural defect, We
w ill either:
A. pay the Travel Delay benefit stated in
th e Table of Ben efits; or
B. if You a bandon Your T rip a fter a
delay of a t least 24 hours of the
sch eduled outbound international
depa rture, We will refund Your
u n used travel and accommodation
costs u p to the amount stated in the
Ta ble of Benefits that You have paid or
a r e contracted to pay and which cannot
be r ecovered from any other source.
Special Conditions
1 . You can on ly Claim under item A or
item B a bov e, n ot both.
2. You must:
A. ch eck-in before the scheduled
depa rture t ime shown on Your
t r avel itinerary; and
B. comply with the travel agent, tour
oper ator and transport prov iders
con tract terms; and
C. pr ov ide Us w ith written details
fr om the Public T ransport
oper ator describing the length of,
a n d reason for, the delay; and
D. a llow r easonable t ime to arrive at
You r departure point on t ime.
What is not covered
1 . A ny Claim Du e To:
A. Pu blic Transport being taken
ou t of service on the
instructions of a Civil
A v iation Authority, Port
A u thority or similar
a u thority;
B. a st rike if it had started or
been announced before You
a rranged this insurance;
C. a ny journey by Public
T ransport commencing and
ending in the country of
depa rture.
2. A ny charge or expense paid for
wit h, or settled u sing, a ny kind of
prom otional voucher or points,
t imeshare, h oliday property bond
or h oliday points sch eme, or a ny
Cla im for management fees,
m a intenance cost s or exchange
fees in relation to t imeshares or
sim ilar arrangements.
3. A ccommodation and travel
expenses where the a dditional
t ransport a nd/or accommodation
u sed is of a standard superior to
t h at of t he original Trip.
4. A ny Claim Du e To Your not
a llowing sufficient t ime for the
jou rney.
5. A ny Claim Du e To:
A. You t ravelling against the
a dv ice of the appropriate
na tional or local authority;
B. proh ibitive regulations by
t h e government of any
cou ntry.
6. A ny expenses that:
A. You ca n recover from any
t ou r operator, airline, hotel
or ot h er service provider;
B. You wou ld normally h ave t o
pa y during Your T rip.
7 . A ny Claim for Travel
A bandonment caused by volcanic
a sh .
8. T h e Excess, if a Trip
is a bandoned.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
18
Section 5 – Missed Departure
What is covered
We w ill pay up to the amount stated in the
Ta ble of Benefits for n ecessary and r ea sonable additional a ccommodation
(r oom only) and travel expenses to enable
You to r each:
1 . You r scheduled destination A broad
if, on Your outbound journey, You
a r rive too late at Your final point of
in ternational departure to board the
Pu blic Transport on which You are
booked to travel ; or
2. On You r return journey, You arrive
too la te at Your final point of
in ternational departure to board the
Pu blic Transport on which You are
booked to travel.
Du e T o:
1 . th e car/taxi You are travelling in
br eaking down or being involved in an
a ccident; or
2. th e Public T ransport You are
tr avelling in failing to arrive on
sch edule.
Special Conditions
1 . You must:
A. pr ov ide ev idence of a ll the extra
costs You incurred
B. a llow r easonable t ime to arrive at
You r departure point on t ime
C. for car breakdown/accident
pr ov ide Us w ith:
i) a w ritten r eport from the
v ehicle breakdown service
or g arage that assisted You
du r ing the incident; or
ii) r easonable ev idence that the
v ehicle used for travel was
r oa dworthy, properly
m a intained and broke down
a t the t ime of the incident
D. for la te arrival of Public
T ransport prov ide Us w ith:
i) r ea sonable ev idence of the
pu blished t ime of a rrival
a n d the a ctual t ime of
a r rival.
What is not covered
1 . A ny Claim Du e To:
A. Pu blic Transport being taken
ou t of service on the
instructions of a Civil
A v iation Authority, Port
A u thority or similar
a u thority;
B. a st rike if it had started or
been announced before You
a rranged this insurance or
booked Your T rip,
wh ichever is the later.
2. A ny charge or expense paid for
wit h, or settled u sing, a ny kind of
prom otional voucher or points,
t imeshare, h oliday property bond
or h oliday points sch eme, or a ny
Cla im for management fees,
m a intenance cost s or exchange
fees in relation to t imeshares or
sim ilar arrangements.
3. A ccommodation and travel
expenses where the a dditional
t ransport a nd/or accommodation
u sed is of a standard superior to
t h at of t he original Trip.
4. A ny Claim Du e To You not
a llowing sufficient t ime for the
jou rney.
5. A ny Claim Du e To:
A. You t ravelling against the
a dv ice of the appropriate
na tional or local authority;
B. proh ibitive regulations by
t h e government of any
cou ntry.
6. A ny expenses that:
A. You ca n recover from any
t ou r operator, airline, hotel
or ot h er service provider;
B. You wou ld normally h ave t o
pa y during Your T rip.
7 . T h e Excess
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE -
Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173. 19
Section 6 –Curtailment
What is covered
We w ill pay:
A. u n used a ccommodation costs
(in cluding excursions pre-booked and
pa id for before starting Your Trip,
w h ich You have paid or are contracted
to pay and which cannot be r ecov ered
fr om any other source; and
B. r ea sonable additional travel and
a ccommodation (room on ly) costs
n ecessarily incurred in Your r eturning
to You r home in Portugal.
u p to the amount shown in the Table of
Ben efits, if it becomes necessary to, Curtail
a T rip Du e To:
1 . You , Your T ravelling
Com panion(s)
A. dy ing; or
B. su ffering serious injury; or
C. su ffering sudden or serious
illness; or
D. su ffering from complications in
pr egnancy if incurred in a n
em ergency as a r esult of
com plications (where such
com plications are diagnosed by a
Doct or w ho specialises in
obstetrics); or
E. being compulsorily quarantined
on th e or ders of a
t r eating Doct or;
pr ov ided that such Curtailment is
con firmed a s medically necessary by
th e treating Doctor.
2. You r Immediate Family Member
or Close Bu siness Colleague or
You r Travelling Companion's
Im m ediate Family Member or
Close Bu siness Colleague or
som eone You have arranged to stay
w ith on Your Trip:
A. dy ing; or
B. su ffering serious injury; or
C. su ffering sudden or serious
illness; or
D. su ffering from complications in
pr egnancy if incurred in a n
em ergency as a r esult of
com plications (where such
com plications are diagnosed by a
Qu a lified Medical Practitioner
w h o specialises in obstetrics); or
E. being compulsorily quarantined
on th e or ders of a
t r eating Doct or;
pr ov ided that such Curtailment is
con firmed a s medically necessary by
th e treating Doctor.
3. Th e police r equiring You or Your
T ravelling Companion’s presence
follow ing a burglary or attempted
bu rglary at Your or Your Travelling
Com panion’s home
4. Ser ious fire storm or flood damage to
You r or Your Travelling
Com panion’s home; prov ided that
su ch damage occurs after Your Trip
commences.
What is not covered
1 . A ny Claim Du e To
A. a ny pre-existing medical
con dition affecting a ny
person u pon whom Your
T rip depends that was
dia gnosed, treated or
requ ired hospital inpatient
or ou t patient treatment at
a ny time before Your Trip
wa s booked (or
com m encement of the
Period of Insurance if later),
a nd which could result in
You r having to Cu rtail Your
T rip;
B. a ny adverse financial
sit uation causing You to
Cu rtail
You r Trip;
C. You or You r Travelling
Com panion(s) deciding that
You do not want t o remain
on You r Trip.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
20
2. A ny loss, charge or expense Du e
T o:
A. a delay in notifying the tour
operator, travel a gent, or
t ransport or a ccommodation
prov ider that it is necessary
t o Cu rtail a booking;
B. proh ibitive regulations by
t h e government of any
cou ntry.
3. A ny charge or expense paid for
wit h, or settled u sing any kind of
prom otional voucher or points,
t imeshare, h oliday property bond
or h oliday points sch eme, or a ny
Cla im for management fees,
m a intenance cost s or exchange
fees in relation to t imeshares or
sim ilar arrangements.
4. A ccommodation and travel
expenses where the transport
a nd/or a ccommodation u sed is of
a st andard superior to that of t he
T rip.
5. T h e Excess.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE -
Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173. 21
Section 7 – Personal Effects & Baggage
What is covered
A. Loss, damage or theft
If Personal Property is Lost,
da maged or stolen during Your Trip,
We w ill pay Repair a nd
Replacement Costs up to the
a m ount stated in the Table of Ben efits.
B. Dela y ed Baggage
If Personal Property is Lost or
m isplaced for a t least 12 h ours on
You r outbound journey by the airline
or oth er carrier, We will pay up to the
a m ount stated in the Table of Ben efits
to r eimburse You for the cost of
essen tial items of clothing, medication,
toiletries and Mobility Aids that You
h av e to purchase.
Special Conditions
1 . You m ust take reasonable care to keep
You r Personal Property sa fe. If
You r Personal Property is Lost or
stolen You must take a ll r easonable
steps to g et it back.
2. V a luables must be attended by You
a t a ll t imes when not contained in a
locked sa fe or safety deposit box.
3. If You r Personal Property is Lost
or stolen You must make ev ery
r ea sonable effort to report it to the
police (and h otel management if the
Loss or th eft occurs in a hotel) within
2 4 hours of discovery and You must
pr ov ide Us w ith a copy of the original
w r itten police r eport.
4. Loss, th eft or damage to Personal
Property in the custody of an a irline
or oth er carrier must be r eported in
w r iting to the airline or other carrier
w ithin 24 h ours of discov ery and We
m ust be prov ided with a copy of the
or ig inal written a irline or carrier’s
Pr operty Ir regularity report;
5 . Wh ere Personal Property is
temporarily Lost or misplaced by an
a ir line or other carrier We must be
pr ov ided with original written
con firmation from such airline or other
ca rrier or the tour representative that
th e delay lasted for at least 12 hours
a fter You arrived a t Your destination.
6. If You h ave been paid for emergency
pu r chases of essential items and You
th en also Claim for Loss, damage or
th eft of Personal Property r esulting
fr om the same item, cause or ev ent, the
a m ount paid to You for emergency
pu r chases will be deducted from the
fin al settlement payment. However,
a ny deduction will not be any more
th an the amount paid for emergency
pu r chases.
What is not covered
1 . More t h an the amount stated in
t h e Table of Benefits for:
A. a single item, pair or set, or
pa rt of a pair or set;
B. V a luables in t otal;
C. sport s equ ipment in total
2. Loss or t h eft of Valuables left
Una ttended u nless contained in a
locked safe or safety deposit box.
3. Loss or t h eft of any Personal
Property (ot her than Valuables)
left Unattended u nless:
A. con t ained in
i) a locked room; or
ii) a locked safe or safety
deposit box; or
iii) t h e locked glove box or
boot of a v ehicle or in
t h e luggage space at the
rea r of a locked estate
ca r or h atchback under
a t op cov er a nd out of
v iew;
a nd there is evidence of
forced entry to the room,
sa fe, safety deposit box or
ca r, or the ca r has been
st olen;
B. in t he cu stody or control of
a n a irline or other ca rrier.
4. Loss, t h eft or damage t o:
A. a ntiques, musical
instruments, pictures,
h ou sehold goods, con tact or
corneal lenses, dentures, or
dental fittings, hearing a ids,
bon ds, securities or
docu m ents of a ny kind;
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
22
B. sport s equ ipment whilst
being used, vehicles or their
a ccessories (other than
Mobility Aids), watercraft
a nd ancillary equipment,
gla ss china or similar fragile
it ems and pedal cycles;
C. bu siness equ ipment,
bu siness goods, samples,
bu siness Mon ey, tools of
t rade or any ot her item used
in con nection with Your
bu siness, trade or
occu pation;
5. Depreciation in value, normal
wea r and t ear, denting or
scra tching, damage by moth or
v ermin, electrical, electronic or
m echanical breakdown, or
da mage Du e T o atmospheric or
climatic con ditions.
6. Dela y, detention, seizure or
con fiscation by customs or ot her
officials.
7 . T h e Excess (not applicable to
delayed baggage Claims).
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
23
Section 8 – Loss of Passport / Driving Licence
What is covered
If You r passport and/or driving licence is
Lost , destroy ed or stolen while You are on
a T rip A broad, We will pay up to the
a m ount stated in the Table of Ben efits to
cov er the cost of:
1 . g etting any temporary replacement
documents needed to enable You to
r eturn from Your Trip including any
a dditional travel and a ccommodation
(r oom only) costs incurred by You or
on You r behalf during Your T rip to
obta in such documents; and
2. th e replacement passport or driving
licence fee payable, prov ided that it
r emained v alid for a t least 2 years a t
th e date it was Lost, destroy ed
or stolen.
Special Conditions
1 . You must take reasonable care to keep
You r passport and/or driving licence
sa fe. If Your passport a nd/or driving
licence is Lost or stolen You must
ta ke all reasonable steps to g et it back.
2. You r passport and/or driving licence
m ust be attended by You a t all times
w h en not contained in a locked safe or
sa fety deposit box.
3. If You r passport and/or driving
licence is Lost or stolen You must
m a ke ev ery r easonable effort to report
it to the police (and h otel management
if th e Loss or theft occurs in a hotel)
w ithin 24 h ours of discov ery and You
m ust prov ide Us w ith a copy of the
or ig inal written police report.
What is not covered
1 . Loss or t h eft of any passport or
driving l icence left Unattended
u nless contained in a locked safe
or sa fety deposit box.
2. Dela y, detention, seizure or
con fiscation by customs or
ot h er officials.
Section 9 – Personal Money
What is covered
We w ill pay up to the amount stated in the Ta ble of Benefits if Mon ey held by You for
You r own personal use is Lost or stolen du r ing a Trip whilst:
1 . being carried by You; or
2. left in a locked sa fe or safety deposit
box .
Special Conditions
1 . You must take reasonable care to keep
You r Mon ey safe. If You r Mon ey is
Lost or stolen You must take all
r ea sonable steps to get it back.
2. You r Mon ey must be attended by
You a t a ll t imes when not contained in
a locked safe or sa fety deposit box.
3. If You r Mon ey is Lost or stolen You
m ust make ev ery r easonable effort to
r eport it to the police (and hotel
m anagement if the Loss or theft
occurs in a h otel) within 24 h ours of
discov ery and You must provide Us
w ith a copy of the or iginal written
police report.
What is not covered
1 . More t h an the amount stated in
t h e Table of Benefits for cash.
2. Loss or t h eft of Mon ey left
Una ttended u nless contained in a
locked safe or safety deposit box.
3. Dela y, detention, seizure or
con fiscation by customs or ot her
officials.
4. T raveller’s cheques:
A. u nless the Loss or theft is
reported immediately t o the
loca l branch or a gent of t he
issu ing com pany;
B. if t he issuing company
prov ides a replacement
service.
5. Depreciation in value or shortage
Du e T o a ny error or omission.
6. T h e Excess.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
24
Section 10 – Personal Accident
What is covered
If You su ffer physical injury caused by an
A ccident during a Trip which, within 12
m on ths, directly r esults in Your:
1 . Dea t h; or
2. Loss of Sigh t; or
3. Loss of Lim b; or
4. Permanent Total Disablement .
We w ill pay the appropriate benefit stated
in the Table of Benefits.
Special Conditions
We w ill not pay more than one benefit for
th e same physical injury.
What is not covered
Dea t h, Loss of Sight, Loss of Limb or
Permanent Total Disablement Du e T o
disease or a ny physical defect, injury
or il lness wh ich existed before the
T rip.
Section 11 – Personal Liability
What is covered
We w ill cover You up to the Limit of
Lia bility stated in the Table of Benefits
a g ainst all sums which You are legally liable
to pay a s damages in respect of:
1 . a ccidental bodily injury (including
dea th illness or disease) to any person;
2. a ccidental loss of or damage to
m aterial property;
w h ich occurs during the Period of
Insu rance arising out of the Trip.
Th e maximum that We will pay under this
Sect ion for all damages as a result of any
on e occurrence or series of occurrences
a r ising directly or indirectly from one source
or or iginal cause shall be the Limit of
Lia bility stated in the Table of Benefits. We
w ill in addition pay Costs a nd Expenses.
Cost s a nd Expenses shall mean:
1 . a ll costs and expenses recov erable by a
cla imant from You;
2. a ll costs and expenses incurred with
Ou r written consent;
3. solicitors’ fees for representation at
a ny coroner’s inquest or fatal a ccident
in qu iry or in any Court of Summary
Ju r isdiction;
in r espect of a ny occurrence to which this
Sect ion applies – ex cept that in respect of
occurrences happening in or claims or legal
pr oceedings brought or originating in the
Un ited States of America and Canada or any
oth er territory within the jurisdiction of
either such country, Costs and Expenses
described in 1., 2., and 3. abov e are deemed
to be in cluded in the Limit of Liability for
th is Section.
Special Conditions
1 . We m ay at Ou r sole discretion in
r espect of any occurrence or
occurrences cov ered by this Section
pa y to You the Limit of Liability stated
in the Table of Benefits applicable to
su ch occurrence or occurrences (but
dedu cting therefrom any sum(s)
a lready paid) or any lesser sum for
w h ich the Claim(s) arising from such
occurrence(s) can be settled and We
sh a ll thereafter be under n o further
lia bility in r espect of such
occurrence(s) except for the payment
of Cost s a nd Expenses incurred
pr ior to the date of su ch payment and
for w hich We may be responsible
h er eunder.
2. If a t the time of the happening of any
occurrence cov ered by this Section
th ere is any other existing insurance
w h ether taken out by You or not
cov ering the same liability We shall
n ot be liable to indemnify You in
r espect of such liability except so far as
con cerns a ny excess beyond the
a m ount which would have been
pa y able under such other insurance
h a d this Section n ot been effected.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
25
What is not covered
Cov er for any liability:
1 . in respect of bodily injury to any
person wh o is:
A. u nder a contract of service
wit h You when such injury
a rises ou t of and in the
cou rse of their employment
by You;
B. a m ember of You r family.
2. a ssumed by You u nder a contract
or a greement unless such
lia bility wou ld have attached in
t h e absence of such contract or
a greement;
3. in respect of loss of or damage to
property:
A. belonging t o You;
B. in Your ca re cu stody or
con t rol.
Howev er this Exclusion shall not
a pply in respect of loss of or
da mage t o buildings and their
con t ents not belonging to but
t emporarily occu pied by You in
t h e course of t he Trip.
4. in respect of bodily injury loss or
da mage caused directly or
indirectly in connection with:
A. t h e carrying on of a ny trade,
bu siness or profession;
B. t h e ownership, possession
or u se of:
i) h orse-drawn or
m echanically propelled
v ehicles;
ii) a ny aerospatial device
or a ny airborne or
wa t erborne craft or
v essel (other than non-
m echanically powered
wa t erborne craft not
exceeding 10 metres in
length whilst used on
inland waters) or the
loa ding or u nloading of
su ch craft or vessel;
iii) firearms (ot her than
sport ing guns);
iv) a rising from the
occu pation or
ownership of any land
or bu ilding other than
a ny building
t emporarily occupied by
You in the course of a
T rip.
5. in respect of a ctivities or
v olunteer work organised by or
wh en the individual is assigned
ov erseas by or under the auspices
of a ch a ritable voluntary not for
profit social or similar
orga nisation except where no
ot h er insurance or cover is
a v ailable.
6. in respect of punitive or
exem plary damages.
7 . in respect of the Excess.
Section 12 – Overseas Legal Expenses
What is covered
If du ring a T rip You sustain bodily injury
or illness which is caused by a third party
We w ill pay up to the amount stated in the
Ta ble of Benefits to cover Legal Expenses
a r ising out of A ny One Claim.
Special Conditions
1 . Lega l Representatives must be
qu a lified to practise in the Courts of
th e country where the event g iving r ise
to th e Claim occurred or where the
pr oposed defendant under this Section
is r esident.
2. We sh a ll a t all t imes have complete
con trol ov er the legal proceedings.
Ou tside the Eu ropean Union, the
selection, appointment and control of
Lega l Representatives shall rest
w ith Us. Within the European Union,
You do n ot have to a ccept the Legal
Representatives chosen by Us. You
h av e the right to select and a ppoint
Lega l Representatives a fter legal
pr oceedings have commenced subject
to Ou r agreement to the Legal
Representatives' fee or charging
r a tes. If there is a disagreement ov er
th is choice of Legal
Representatives You can propose
Lega l Representatives by sending
Us th e proposed Legal
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
26
Representatives’ name and a ddress.
We m ay choose not to accept Your
pr oposal but only on r easonable
g r ounds. We may ask the ruling body
for Legal Representatives to
n om inate alternative Legal
Representatives. In the meantime,
We m ay appoint Legal
Representatives to protect
You r interests.
3. You must co-operate fully with the
Lega l Representatives and ensure
th at We are fully informed at all t imes
in connection with any Claim or legal
pr oceedings for damages and or
com pensation from a third party. We
a r e entitled to obtain from the Legal
Representatives any information,
document or a dvice relating to a
Cla im or legal proceedings under this
In su rance. On request You will give to
th e Legal Representatives any
in structions necessary to ensure
su ch access.
4. Ou r a uthorisation to incur Legal
Expenses will be g iven if You can
sa t isfy Us that:
A. th ere are r easonable grounds for
pu r suing or defending the Claim
or legal proceedings and the
Lega l Expenses will be
pr oportionate to the v alue of the
Cla im or legal proceedings; and
B. it is r easonable for Legal
Expenses to be prov ided in a
pa r ticular case. The decision to
g r ant authorisation will take into
a ccount the opinion of the Legal
Representatives a s well a s that
of Ou r ow n advisers. If there is a
dispute, We may request, a t
You r expense, an opinion of a
ba rrister a s to the merits of the
Cla im or legal proceedings. If
th e Claim is a dmitted, Your
costs in obtaining this opinion
w ill be cov ered by this Policy.
5 . If th ere is any dispute, other than in
r espect of the admissibility of a Claim
on w hich Ou r decision is final, the
dispute will be referred to a single
a r bitrator who will be either a solicitor
or ba rrister agreed by a ll parties, or
fa iling agreement, one who is
n om inated by the current President of
th e appropriate Law Society. The party
a g ainst whom the decision is made
sh a ll meet the costs of the arbitration
in fu ll. If the decision is n ot clearly
m a de a gainst either party the
a r bitrator shall have the power to
a pportion costs. If the decision is made
in Ou r favour, Your costs shall n ot be
r ecov erable under the In surance.
6. We m ay at Ou r discretion assume
con trol at any t ime of any Claim or
leg al proceedings in Your name for
da mages and/or compensation from a
th ird party.
7 . We m ay at Ou r discretion offer to
sett le a counter-claim a gainst You
w h ich We consider to be reasonable
in stead of continuing any Claim or
leg al proceedings for damages and/or
com pensation by a third party.
8. Wh ere settlement has been made to
You w ithout legal costs being
a pportioned, We will determine h ow
m uch of that settlement sh ould be
a pportioned to legal costs and
ex penses and paid to Us.
9. If a con flict of interest arises, where
We a r e also the insurers of the third
pa r ty or proposed defendant to the
Cla im or legal proceedings, You have
th e right to select and a ppoint other
Lega l Representatives in
a ccordance with the terms of this
In su rance.
10. If a t Your request Legal
Representatives cease to continue
a ct ing for You, We shall be entitled to
w ithdraw cov er immediately or agree
w ith You to a ppoint other Legal
Representatives in accordance w ith
th e terms of this In surance.
What is not covered
1 . A ny Claim reported t o Us m ore
t h an 12 months a fter the
beginning of the incident wh ich
led t o the Claim.
2. A ny Claim wh ere it is Ou r
opinion that the prospects for
su ccess in achieving a reasonable
set tlement are insufficient
a nd/or where the laws, practices
a nd/or financial regulations of
t h e country in which the incident
occu rred wou ld preclude the
obt a ining of a satisfactory
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
27
set tlement or the costs of doing
so wou ld be disproportionate to
t h e value of t he Claim.
3. Lega l Expenses incurred before
receiving Ou r prior authorisation
in writing.
4. Lega l Expenses incurred in
con nection with any criminal or
wilful a ct on Your part.
5. Lega l Expenses incurred in the
defence against any civil claim or
legal proceedings made or
brou ght a gainst You unless a s a
cou nter-claim.
6. Fines, penalties compensation or
da mages imposed by a cou rt or
ot h er authority.
7 . Lega l Expenses incurred for a ny
Cla im or legal proceedings
brou ght a gainst:
A. a t ou r operator, travel agent,
ca rrier, insurer or their
a gents where the subject
m a tter of t he Claim or legal
proceedings is eligible for
con sideration u nder a n
A rbitration Sch eme or
Com plaint Procedure;
B. Us or Ou r a gents; or
C. You r employer.
8. A ct ions between Persons Insured
or pu rsued in order t o obtain
sa t isfaction of a ju dgement or
legally
binding decision.
9. Lega l Expenses incurred in
pu rsuing a ny Claim for
com pensation (either
individually or a s a member of a
grou p or class a ction) a gainst the
m a nufacturer, distributor or
su pplier of a ny drug, m edication
or m edicine.
10. Lega l Expenses ch argeable by the
Lega l Representatives u nder
con t ingency fee a rrangements.
11 . Lega l Expenses incurred where
You h ave:
A. fa iled to co-operate fully
wit h and make sure that We
a re fully informed at a ll
t imes in connection with any
Cla im or legal proceedings
for da mages a nd or
com pensation from a third
pa rty; or
B. set tled or withdrawn a Claim
in con nection with any Claim
or legal proceedings for
da mages and or
com pensation from a third
pa rty without Our
a greement. In su ch
circumstances We shall be
ent itled to withdraw cover
im mediately a nd t o recover
a ny fees or expenses paid.
12. Lega l Expenses incurred a fter
You h ave not:
A. a ccepted an offer from a
t h ird party to settle a Claim
or legal proceedings where
t h e offer is con sidered
rea sonable by Us; or
B. a ccepted an offer from Us t o
set tle a Claim.
13. Lega l Expenses wh ich We
con sider u nreasonable or
excessive or unreasonably
incurred.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
28
General Exclusions
Ex clusions that a pply to the whole Policy.
T h is insurance does not apply t o the
ext ent that resolutions of the United
Na t ions or the trade a nd economic
sa nctions, laws or regulations of the
Eu ropean Union, the member states
of t h e European Union or United
St a tes of America prohibit Chubb
from providing insurance, including
bu t not limited to t he payment of
cla ims or the provision of a ny other
benefit.
In pa rticular, Chubb will not pay a ny
cla ims or provide any other benefits
a rising out of or relating t o any
Insu red Person whose main residence
is in Cu ba and/or arising out of or
relating to any travel t o, from or in
Cu ba or a ny travel which starts, ends
or h a s a scheduled stop in Cu ba.
T h is Policy does not cover and we will
not (u nder a ny sections) pay for
cla ims of any kind directly or
indirectly a rising from, relating t o or
in a ny way connected with the
Coron avirus Disease 19 (COV ID-19)
(or a ny mutation or variation thereof)
a nd / or its outbreak. T o the extent
t h at a ny term or con dition in the
Policy may be inconsistent with this
exclu sion, this exclusion shall prevail.
We will not be l iable to m ake any
pa yment under this Policy where:
1 . Person s Covered
You do not meet the criteria
det ailed under Important
Information on page 8 of t h is
Policy.
2. Ch ildren travelling alone
You a re a Ch ild travelling or
booked t o travel without an adult
Person Insured named in the
Cert ificate of Insurance.
3. T rips not covered
You r Trip is described under
“T rips Not Cov ered”, on page 8 of
t h is Policy.
4. a ny Claim is Du e To:
A. Not t aking m edication or
t reatment
a Person Insured ch oosing
not t o take m edication or
ot h er recommended
t reatment a s prescribed or
directed
by a Doct or.
B. T ropical disease where
not vaccinated
a t ropical disease wh ere the
Person Insured has not had
t h e vaccinations or taken the
m edication recommended
by Portuguese Department
of Hea lth or required by the
a u thorities in the country
being visited, unless they
h a ve written confirmation
from a Doct or that they
sh ou ld not be vaccinated or
t a ke the medication, on
m edical grounds.
C. A nxiety state or phobia
a Person Insured suffering
from any t ravel-related
a nxiety state, or phobia.
D. Exclu ded leisure a ctivities
or sports
You t aking part in a ny of the
following wh ile on a Trip:
i) a ny leisure activities or
sport s not specifically
cov ered under "Leisure
A ct ivities & Sports"
ii) a ny leisure activities or
sport s in a professional
ca pa city or for financial
rewa rd or gain
iii) a ir travel unless You are
t ravelling as a fare
pa ying passenger on a
fl ight which is provided
by a l icensed airline or
a ir
ch a rter company
E. Cu rrency
Cu rrency exchange,
including but not l imited to
a ny loss of v alue or cu rrency
con v ersion fees.
F. Illegal A cts
A ny illegal act by You.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
29
G. A lcohol/drugs
i) A lcohol
You drinking t oo much
a lcohol, alcohol a buse
or a lcohol dependency.
We do not expect You to
a v oid alcohol on Trips,
bu t We will not cover
a ny Claims a rising
beca use You have drunk
so m u ch a lcohol that
You r judgement is
seriously affected and
You need to make a
Cla im a s a result (for
exa mple any medical
report or evidence
sh owing excessive
a lcohol con sumption
wh ich in the opinion of
a Doct or h as caused or
con t ributed t o the
bodily injury).
ii) Dru gs
You t aking a ny drugs in
con t ravention of the
la ws a pplicable to the
cou ntry You are
t ravelling to, or having
a n a ddiction t o or
a bu sing any
m edications, or being
u nder the influence of
a ny non-prescribed
m edication wh ich is
cla ssified a s a legal h igh
in t he cou ntry You are
t ravelling to.
H. Su icide/self-injury
i) You r suicide, attempted
su icide or deliberate
self-inflicted injury
regardless of the state of
You r mental h ealth; or
ii) You r needless self-
exposu re t o danger or
wh ere You have acted in
a m anner con trary t o
v isible warning signs
except in an attempt t o
sa v e human life.
I. Ra diation
i) ion ising radiation or
con t amination by
ra dioactivity from any
nu clear fuel or from any
nu clear waste resulting
from the com bustion of
nu clear fuel; or
ii) t h e radioactive, t oxic,
explosive or other
h a zardous properties of
a ny explosive nuclear
a ssembly or nuclear
com pon ent of such
a ssembly.
J. Son ic wa ves
pressure waves from aircraft
a nd other a irborne devices
t ravelling at sonic or
su personic speeds.
K. Wa r
Wa r or any act of War
wh ether War is declared or
not .
L. Financial Failure
T h e financial failure of a
t ou r operator, travel a gent,
t ransport provider,
a ccom modation provider,
t icketing agent or excursion
prov ider.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
30
Making a Claim
Con ditions that a pply to the whole Policy.
1 . If You a re injured or become ill
A broad and n eed:
A. h ospital in patient treatment,
specialist treatment, medical
tests, scans or to be brought back
to Port ugal:
You must contact Chubb
A ssistance immediately on:
+351 21 020 00 52
If You cannot do this yourself,
You must arrange for a personal
r epresentative (for example, a
spou se or parent) to do this for
You . If Ch ubb A ssistance are
n ot contacted, any expense
in curred by You that would
oth erwise n ot have been incurred
h a d Chubb A ssistance been
con tacted will be deducted from
You r Claim
B. m edical treatment other than
u n der A. above - You must
follow the procedure detailed
u n der condition 2. below. You
ca n make use of the services
pr ov ided by Chubb A ssistance,
a s a ppropriate (these are detailed
on pa ges 11-12 of this Policy).
2. A ll other Claims
You m ust notify Us immediately
by t elephone or email a s soon a s
rea sonably possible a nd within
30 da ys of becoming aware of
a nything likely to result in a
Cla im.
A per sonal r epresentative can do this
for You if You cannot.
We ca n be contacted at:
Em a il: [email protected]
Tel: +351 21 020 00 51
With our Online Claims Portal, it's
qu ick and easy to lodge a claim. Login
to g et started, to check up on the
pr ogress of existing claims, u pload
su pporting documents, and r eview
y our details. Here: https://chubb-
r eembolsos.giarna.com.pt/pt/
Reporting Lost, Stolen or Damaged Property
1 . Lost or stolen Personal Property ,
Mon ey , passport or driving licence.
You must make ev ery r easonable effort
to obta in a police report within 24
h ou rs of discov ery.
• If Lost or stolen from a h otel,
You must make every reasonable
effor t to notify the h otel
m anagement; and
• If th e Mon ey You have Lost or
h a d stolen includes travellers
ch eques, You must make every
r ea sonable effort to notify the
loca l branch or agent of the
issu ing company; and
• Pr ov ide Us w ith a copy of the
or ig inal written r eports.
2. Person al Property Lost , stolen or
da maged whilst in the custody of a n
a ir line or other carrier.
You m ust notify the airline or
ot h er carrier in writing within 24
h ou rs of discovery and provide
Us wit h a copy of the original
Property Irregularity Report.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE -
Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173. 31
Claim Conditions
Other Insurance
If, a t the t ime of a n incident which results in
a Cla im under this Policy, there is any other
in surance covering the same Loss, damage,
ex pense or liability, We are entitled to
a pproach that insurer for a contribution
tow ards the Claim, and will on ly pay Our
pr oportionate share. This condition does not
a pply to Section 1 0 - Personal Accident or
Sect ion 3 – Hospital Benefit of this Policy.
Recovering Our Claims Pay ments from Others
We a r e entitled to take ov er and carry out in
You r name the defence or settlement of any
leg al a ction. We may a lso take proceedings
a t Ou r own expense and for Our own
ben efit, but in Your name, to r ecov er any
pa y ment We have made under this Policy to
a ny one else.
Comply ing with Special Conditions
You must comply with the Special
Con ditions detailed in the r elevant Section
of th is Policy.
Supply ing Details & Documents
You must supply a t Your own expense any
in formation, ev idence and r eceipts We
r equ ire including medical certificates signed
by a Doct or, police r eports and
oth er reports.
Y our Duty to Avoid or Minimise a Claim
You a nd each Person Insured must take
or dinary and r easonable care to safeguard
a g ainst Loss, damage, Accident, injury or
illness as though You were not insured. If
We believe You have n ot taken reasonable
ca re of property, the Claim may n ot be
pa id. The items insured under this Policy
m ust be maintained in good condition.
Protecting Property
You must take all reasonable steps to
pr otect any item or property from further
Loss or da mage and to r ecov er any Lost or
stolen article.
Sending Us Legal Documents
You must send Us any original writ, summons, legal process or other correspondence received in connection with a Claim in 8 (eight) days when it is received
and without answering it.
Subrogation
We m ay take action in Your name to
r ecov er compensation or security for loss,
da mage or expenses covered by this
in surance. You w ill n ot have to pay
a ny thing towards this action but We will be
en t itled to retain some or all of a ny
a m ount recovered.
Things Y ou Must Not Do
You must not do the following without Our
w r itten agreement:
3. a dmit liability, or offer or promise to
m a ke any payment; or
4. sell or otherwise dispose of a ny item or
pr operty for which a Claim is
being made
Recognising Our Rights
You a nd each Person Insured must
r ecognise Ou r right to:
5 . ch oose either to pay the amount of a
Cla im (less any Excess and up to any
Policy limit) or repair, replace or
r einstate any item or property that is
da maged, Lost or stolen;
6. in spect and take possession of any
item or property for which a Claim is
being made and handle any sa lvage in
a r easonable manner;
7 . ta ke ov er and deal with the defence or
sett lement of any Claim in Your
n ame and if a settlement is made
w ithout costs being awarded,
determine what proportion of those
costs sh ould be paid for costs &
ex penses and paid to Us;
8. sett le all Claims in Euros;
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
32
9. be reimbursed within 30 days for
a ny costs or expenses that are not
insured under this Policy, which
We pa y t o You or on Your behalf;
10. be su pplied at Your expense with
a ppropriate original medical
cer tificates where r equired before
pa y ing a Claim;
11 . r equ est and carry out a medical
ex amination and insist on a post-
m ortem examination, if the law allows
Us to a sk for on e, at Ou r expense.
Fraudulent Claims
We w ill not pay dishonest Claims. If You
m a ke a dishonest Claim, We may cancel
You r cover.
Pay ing Claims
12. Dea t h
A. If You a re 18 y ears old or ov er,
We w ill pay the Claim to Your
esta te and the r eceipt g iven to Us
by Your personal representative
(in most cases, the executor
a ppointed under Your will) shall
be a fu ll discharge of a ll liability
by Us in r espect of the Claim .
B. If You a re aged under 18 years
a n d covered under this Policy as
th e Partner of a Person
Insu red, We will pay any
Cla im for Accidental death to
You r Partner. In a ll other
cir cumstances We will pay any
Cla im for Accidental death to
You r Parent or Legal
Gu a rdian. Your Partner’s or
Pa rent or Legal Gu ardian’s
r eceipt shall be a full discharge of
a ll liability by Us in respect of
th e Claim .
13. A ll other Claims
A. If You a re 18 years or ov er, We
w ill pay the Claim to You and
You r receipt shall be a full
discharge of a ll liability by Us in
r espect of the Claim .
B. If You a re aged under 18 years
a n d covered under this Policy as
th e Partner of a Person
Insu red, We will pay the Claim
to You r Partner for Your
ben efit. In a ll other
cir cumstances we will pay the
a ppropriate benefit amount to
You r Parent or Legal
Gu a rdian for Your benefit.
You r Partner’s or Parent or
Lega l Guardian’s receipt shall
be a fu ll discharge of a ll liability
by Us in r espect of the Claim .
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE -
Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173. 33
General Conditions
Con ditions that a pply to the whole Policy.
Contract
Th is Policy, the Certificate of In surance and
a ny information prov ided in Your
a pplication will be read together as on e
con tract.
Choice of Law
Th is Policy shall be g overned by and
in terpreted in accordance with the laws of
Por tugal alone shall have jurisdiction in any
dispute. All communication in connection
w ith this Policy shall be in Por tuguese.
Ju risdiction
Th is agreement or any dispute or claim
a r ising out of or in connection with its
su bject matter or formation shall be
su bmitted to the exclusive jurisdiction of the
Por tuguese courts, understood a s insured’s
dom icile.
Third Party Rights
On ly You a nd Us can enforce the terms of
th is Policy. No other party may benefit from
th is contract a s of right. This Policy may be
v aried or cancelled without the c onsent of
a ny third party.
Compliance with Policy Requirements
You (and where relevant Your
r epresentatives), shall comply with a ll
a pplicable terms and conditions specified in
th is Policy. If You do not comply, We will
on ly pay that part of any Claim that We
w ou ld have had to pay if You had complied
in fu ll.
Changing Y our Policy
1 . If You want to change Your Policy
If a ny of the information You have
g iv en Us changes You must telephone
(a n d confirm in writing if We request
You to do so), email or write to Us.
2. If We w ant to change Your Policy
We r eserve the r ight to make changes
or a dd to these Policy terms for legal or
r egulatory r easons and/or to r eflect
n ew industry guidance and codes of
pr a ctice. If this happens We will write
to You w ith details at least 30 days
befor e We make any changes. You
w ill then have the option to continue
w ith or to cancel the Policy.
A ny change made to Your Policy will begin
on th e date that the Certificate of In surance
is issu ed to You by Us.
If We ch ange Your policy and a s a result of
th ose changes You wish to cancel Your
policy , We will send You a pro-rata r efund
u n less You have made a Claim under this
Policy in which case no r efund will be made.
Cancelling Your Policy
If You wa nt to ca ncel Your Policy
A . 14 da y cancellation right
If, for a ny reason, You a re not
sa t isfied with this Policy, You
m ay, within 14 days of receiving
You r Policy and Certificate of
Insu rance contact Us a nd we will
ca ncel it. If this happens the
Policy will h ave provided no
cov er and We will refund a ny
premiums You have paid,
prov iding no Claim(s) have been
reported or paid.
B. Ca ncellation after 14 days
A fter 14 days You may cancel Your
policy, but we will not pay You a
r efund of a ny premium You have paid.
Ou r contact details are:
Ch ubb European Group SE - Sucursal em
Por tugal, Av. da Liberdade, n .º 249, 3rd
Floor , 1250-143 Lisboa.
Telephone: 808 501 055 (cost of a local call)
If We w ant to cancel Your Policy We can
ca ncel this Policy by giving You 30 days
w r itten notice. We will only do this for a
v alid r eason. Ex amples of valid cancellation
r ea sons include attempted or actual fraud,
or w here We are ordered or instructed to
ca ncel this Policy by a r egulator, court, or
oth er law enforcement agency. If We cancel
th e Policy We will r efund any premium
You pa id for the cancelled period prov ided
You h ave not made a Claim under the
Policy during the current
Period of Insurance .
Other taxes or costs
We a r e required to n otify You that other
ta xes or costs may exist which are not
im posed or charged by Us.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
34
Misrepresentation and Non-Disclosure
You must take reasonable care to ensure
th at all of the information prov ided to Us in
th e application process, in "Your
Declaration to Us", by correspondence, ov er
th e telephone, on claim forms and in other
documents is true, complete and accurate.
Plea se n ote that providing incomplete, false
or m isleading information could a ffect the
v alidity of this Policy a nd may mean that all
or pa rt of a Claim may n ot be paid. You
a cknowledge that We have offered the
Policy and calculated the premium using the
in formation which We have asked for and
You h ave provided, and that any change to
th e responses provided may result in a
ch ange in the terms and conditions of the
Policy and/or a change in the premium.
Prem ium
In order t o benefit from the coverages
foreseen in this contract, You h ave t o
pa y the agreed premium in the due
da t e.
If You do not pay the agreed premium
t h is contract will be null with no effect
from the very beginning.
Interest
No su m payable by Us u nder this Policy
sh a ll carry interest unless payment has been
u n reasonably delayed by Us following
r eceipt of a ll the required certificates,
in formation and ev idence n ecessary to
su pport the Claim. Where interest becomes
pa y able by Us, it will be calculated only
fr om the date of final receipt of such
cer tificates, information or ev idence.
Bank Charges
We sh a ll n ot be liable for any charges
a pplied by Your bank for any transactions
m a de in relation to a Claim.
Complaints procedures
We a r e dedicated to prov iding a h igh
qu a lity service and want to maintain this at
a ll t imes. If the Policyholder or In sured
Per son a re n ot satisfied with this service,
plea se contact Us, qu oting Your Policy
details, so We can deal with the complaint
a s soon a s possible, a ccording to the
Com plaints Ma nagement Policy of Ch ubb
Eu ropean Group SE, Sucursal em
Por tugal
If You have a complaint a bout the sale of
You r Policy or the Customer Service You
h av e r eceived please contact our complaints
depa rtment:
Ch ubb European Group SE – Sucursal em Por tugal, Av. da Liberdade, n .º 249, 3rd Floor , 1250-143 Lisboa.
E-m a il address: r [email protected] Fa x : 800834239 (cost of a local call)
You can also a ddress Your complaint to the Por tuguese In surance and Pensions Funds Su pervisory Authority – A SF (w ww.asf.com.pt, e-mail con [email protected]).
You can a pproach the Ombudsman Service
for a ssistance if there is dissatisfaction with
Ou r final response or a fter 20 days from
m a king the complaint if n ot resolved
sa t isfactorily. A leaflet explaining the
pr ocedure is available upon request. You
ca n a lso access the contacts details in our
w ebsite:
h ttps://www2.chubb.com/pt-
pt/conformidade-etica/reclama-provedor-
cliente.aspx
Follow ing these complaints procedures does
n ot r educe Your statutory rights relating to
th is Policy. For further information about
You r statutory r ights contact the Citizens
A dv ice Bu reau.
European Online Dispute Resolution Platform
If You a rranged Your Policy with Us
on line or through other electronic means,
a n d have been unable to contact Us either
dir ectly or through the Ombudsman, You
m ay wish to r egister Your complaint
th rough the Eu ropean Online Dispute
Resolu tion platform:
h ttp://ec.europa.eu/consumers/odr/.
You r complaint will then be r e-directed to
th e Ombudsman and to Us to r esolve. There
m ay be a short delay before We receive it.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
35
List of A lternative Dispute Resolution
A u thorities (RAL) (established in
a ccordance with Article 20 of t he
2013/11 / EU Directive:
Cen tro de Arbitragem de Conflitos de Con sumo de Lisboa h ttp://www.centroarbitragemlisboa.pt/
Cen tro de Arbitragem de Conflitos de Con sumo do Vale do Ave/Tribunal Arbitral h ttp://www.triave.pt/
CIA B – Cen tro de Informação, Mediação e A r bitragem de Consumo (Tribunal Arbitral de Con sumo) h ttp://www.ciab.pt/pt/
CNIA CC – Centro Nacional de In formação e A r bitragem de Conflitos de Consumo h ttp://www.arbitragemdeconsumo.org/
Cen tro de Arbitragem de Conflitos de Con sumo do Distrito de Coimbra h ttp://www.centrodearbitragemdecoimbra.com
Cen tro de In formação, Mediação e A r bitragem de Conflitos de Consumo do A lgarve h ttp://www.consumoalgarve.pt
Cen tro de In formação de Consumo e A r bitragem do Porto h ttp://www.cicap.pt
Prudential Regulation Authority and Financial Conduct Authority
Ch ubb European Group SE, Registered in
En g land and Wales No. with r egistered
office at Tour Carpe Diem, 31 Place des
Cor olles, Esplanade Nord, 92400
Cou rbevoie, France..
Ch ubbEuropean Group SE is authorised by
th e Autorité de Contrôle Prudentiel et de
Résolu tion (ACPR), with r egistered office at
4 , Place de Bu dapest, CS 92459, 75436
PA RIS CEDEX 09.
Portuguese Insurance and Pensions Funds Supervisory Authority – ASF
Ch ubb European Group SE – Sucursal em
Por tugal” with registered office in Av. da
Liberdade, n .º 249, 3rd Floor, 1250-143
Lisboa , Registered No. 980 350 964, is
su pervised by the Autorité de Contrôle
Pr u dentiel et de Résolution (ACPR) 4, Place
de Bu da pest, CS 92459, 75436 PARIS
CEDEX 09 and by the Autoridade de
Su pervisão de Seguros e Fundos de Pensões
(A SF) with code n.1173.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE -
Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173. 36
General Definitions
Th e following words and phrases below will
a lways have the following meanings
w h erever they appear in the Policy and
Cer tificate of In surance in bold type and
sta rting with a capital letter.
A broad
Ou tside Portugal
A ccident, A ccidental
A su dden identifiable violent external ev ent
th at happens by chance a nd which could not
be ex pected; or unavoidable exposure to
sev ere weather.
A dverse Weather
Wea ther of such severity that the police (or
a ppropriate authority) warn by means of
pu blic communications n etwork (including
bu t not limited to television or radio) that it
is u n safe for individuals to a ttempt to travel
v ia the route or iginally planned by You.
A ge Limit
6 4 years old (inclusive) and under at the
da te of taking out the Policy.
A ny One Claim
A ll Claims or legal proceedings including
a ny appeal a gainst judgment consequent
u pon the same original cause, ev ent
or circumstance.
Ch ild, Children
A per son under 18 years of age at the time
th e Policy is purchased.
Ch u bb
Ch ub European Group SE
Ch u bb Assistance
1 . The telephone a dvice, information and cou nselling services; and/ or
2 . the travel assistance and emergency m edical and repatriation services;
a r ranged by Chubb.
Insu rer
Ch ubb European Group SE, Sucursal em
Por tugal.
A v . da Liberdade, n .º 249, 3rd Floor, 1250-
1 43 Lisboa.
Cla im, Claims
Sin gle loss or a series of losses Du e To on e
ca use cov ered by this Policy.
Close Bu siness Colleague
Som eone who You work with in Portugal
a n d who has to be in work in or der for You
to be a ble to g o on or continue a T rip.
Cru ise
A sea or river voy age of more than 3 days in
tota l duration, where transportation and
a ccommodation is primarily on an ocean or
r iv er going passenger ship.
Cu rtail, Cu rtailed, Cu rtailment
Cu t short/cutting short Your Trip .
Doct or
A doctor or specialist, registered or licensed
to pr actise medicine under the laws of the
cou ntry in which they practise
w h o is neither:
1 . a Person Insured; or
2 . a r elative of the Person Insured
m a king the Claim,
u n less a pprov ed by Us.
Du e T o
Dir ectly or indirectly caused by, arising or
r esulting from, or in connection with.
Eu rope
A lbania, Andorra, Austria, Belarus, Belgium,
Bosn ia -Herzegov ina, Bulgaria, Canary
Isla n ds, Channel Islands, Croatia, Czech
Repu blic, Denmark, Eire, Estonia, Finland,
Fr a nce, Germany, Gibraltar, Greece,
Hu ngary, Iceland, Isle of Ma n, Italy, Latvia,
Liechtenstein, Lithuania, Luxembourg,
Ma cedonia, Ma deira, Mediterranean Islands
(in cluding Ma jorca, Menorca, Ibiza; Corsica;
Sa r dinia; Sicily; Ma lta, Gozo; Crete, Rhodes
a n d other Greek Islands; Cyprus), Moldova,
Mon a co, Netherlands, Norway, Poland,
Por tugal, Romania, Ru ssian Federation
(West of Urals), Serbia and Mon tenegro,
Slov akia, Slov enia, Spain, Sweden,
Sw itzerland, Turkey, Ukraine, United
Kin gdom.
Excess
Th e first amount stated in the Table of
Ben efits of any Claim which each Person
Insu red must pay for each Section of the
Policy that is claimed under.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
37
Im m ediate Family Member
You r Partner or fiancé(e) or the
g r andchild, child, brother, sister, parent,
g r andparent, step-brother, stepsister, step-
pa r ent, parent-in-law, son- in-law,
da ughter-in-law, sister-in-law, brother-in-
la w, aunt, uncle, n ephew, niece, of You or
You r Partner, or anyone noted as n ext of
kin on any legal document, all of whom
m ust be resident in Portugal, and not any
Person Insured .
Insu red Adult
A per son named in the Certificate of
In su rance between the ages of 18 and 64
(in clusive) and who is r esident in Portugal
a n d is in Portugal when taking out the
in surance.
Lega l Expenses
1 . Fees, expenses, costs/expenses of
ex pert witnesses and other
disbursements reasonably incurred by
th e Legal Representatives in
pu r suing a Claim or legal proceedings
for damages and/or compensation
a g ainst a third party who has caused
a ny Persons Insured Accidental
bodily injury or illness or in a ppealing
or r esisting an appeal against the
ju dgment of a Court, tribunal
or a r bitrator.
2 . Costs for which You are legally liable
follow ing an award of costs by any
cou rt or tribunal or an out of Court
sett lement made in connection with
a ny Claim or legal proceedings.
Lega l Representatives
Th e solicitor, firm of solicitors, lawyer,
a dv ocate or other appropriately qualified
per son, firm or company appointed to act on
You r behalf.
Loss, Lost , Losses
You r Personal Property, Mon ey , or
pa ssport and/or driving licence that are
cov ered under this Policy:
1 . h av e been accidentally or
u n intentionally left in a location and
th ey have then disappeared; or
2 . a r e in a known location, but You are
n ot r easonably a ble to r etrieve
th em; or
3 . h av e disappeared and You are n ot
su r e h ow it has happened
Loss of Lim b
A mputation or total and permanent loss of
u se of on e or more hands at or abov e the
w r ist or of on e or more feet above the ankle
(ta lo-tibial joint).
Loss of Sigh t
1 . In both eyes:
Per manent blindness, which based on
m edical ev idence You will never
r ecov er from, and which results in
You r name being a dded (on the
a u thority of a qualified ophthalmic
specialist) to the Register of Blind
Per sons maintained by
th e gov ernment.
2 . In on e ey e:
Per manent blindness, which based on
m edical ev idence You will never
r ecov er from, in a n eye to the degree
th at, after correction using spectacles,
len ses or surgery, objects that should
be clear from 60 feet away can only be
seen from 3 feet away or less.
Mobility Aid, Mobility A ids
A ny crutch, walking stick, walking frame,
w h eeled walking frame, walking trolley,
ev acuation chair, wheelchair, powered
w h eelchair or mobility scooter constructed
specifically to a id persons suffering from
r estricted mobility but excluding any golf
bu ggy or g olf trolley.
Mon ey
Coin s, banknotes, traveller’s cheques, postal
or m oney orders, travel tickets, pre-paid
v ouchers, non-refundable pre-paid entry
t ickets a nd debit, credit, payment,
pr epayment and/or charge cards.
One wa y Trip (outward flight on ly):
Is a T rip that commences upon leaving your
h om e and ends after leaving passport
con trol at your destination, including any
stopov ers on your Trip to your destination
of u p to 24 h ours
Pa rent or Legal Guardian
A per son with parental r esponsibility, or a
leg al guardian.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
38
Pa rtner
You r spouse or civil partner (registered
pu r suant to the Civil Partnership Act) or
som eone of either sex with whom You h ave
been living for a t least three months as
th ough they were Your spouse or
civ il partner.
Period of Insurance
Per iod of cov er commencing a t 00.01 or any
la ter time the Certificate of In surance is
issu ed and ending on the date shown on
You r Certificate of In surance.
Prem ium
Tota l amount, including Taxes and all
a pplicable charges that the Policyholder
m ust pay for the In surance.
Permanent Disability
A ny form of functional disability which has
la sted for at least 12 months and from
w h ich, based on medical evidence, You will
n ev er recover.
Permanent Total Disablement
1 . If You w ere in gainful employ ment a t
th e date of the Accident:
A Permanent Disability which
stops You from carrying out gainful
em ploy ment for which You are fitted
by way of training, education or
ex perience; or
2. If You were not in gainful employ ment
a t the date of the A ccident:
A for m of Permanent Disability
ca lculated on a medical assessment by
Us or a n independent medical expert
a ppointed by Us, which r esults in
You r inability to perform, without
a ssistance from another person, at
lea st 2 of the following activities of
da ily living:
• ea t ing;
• g etting in and out of bed;
• dr essing and undressing;
• toileting; or
• w a lking 200 metres on
lev el ground
Person al Property
1 . A ny suitcase, trunk or container of a
sim ilar kind and its contents;
2. a ny Mobility Aid;
3. V a luables,
4. a ny other article worn or carried by
You ; that is not otherwise excluded
a n d which is either owned by You or
for w hich you are legally responsible.
Pu blic Transport
A ny air, land or water vehicle operated
u n der licence for the transportation of fare-
pa y ing passengers and which runs to a
sch eduled published timetable.
Repa ir a nd Replacement Costs
Th e cost of repairing partially damaged
pr operty, or, if property is totally Lost or
destroy ed or uneconomical to repair, the
cost of r eplacing property as n ew less a
dedu ction for wear, tear or depreciation.
(Note: We will pay a reasonable proportion
of th e total value of a set or pair to r epair or
r eplace an item that is part of a set or pair).
Rou nd Trip (outward and return
fl ight):
Is a T rip that commences upon leaving your
h om e including any stopov ers on your
ou tward and return T rip to your
dest ination of u p to 24 hours, and ends
u pon your return to your place of r esidence
su bject to a maximum duration of 30 days.
T ravelling Com panion(s)
Som eone You have arranged to go on Trip
w ith and who it would be unreasonable to
ex pect You to travel or continue Your Trip
w ithout.
T rip
A jou rney A broad involving pre-booked
tr avel or accommodation.
Una ttended
Wh ere You are n ot in full v iew of or in a
posit ion to prevent unauthorised taking or
in terference with Your Personal
Property or vehicle.
Port ugal
Con tinental Portugal and archipelagos of
A çores and Ma deira,
V a luables
Ca meras and other photographic
equ ipment, telescopes and binoculars,
a u dio/v ideo equipment (including radios,
iPods, mp3and mp4 players, camcorders,
DV D, v ideo, televisions, and other similar
a u dio and v ideo equipment), mobile
ph on es, satellite navigation equipment,
com puters and computer equipment
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176 .662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n .1173.
39
(in cluding PDA s, personal organisers,
la ptops, notebooks, netbooks, iPads, tablets
a n d the like), computer games equipment
(in cluding consoles, games and peripherals)
jew ellery, watches, furs, precious and semi-
pr ecious stones and articles made of or
con taining gold, silver or other
pr ecious metals.
Wa r
A rmed conflict between nations, invasion,
a ct of foreign enemy, civil war or taking
pow er by or ganised or military force.
We, Us, Ou r, Ou rselves
Ch u bb European Group SE, Sucursal
em Portugal.
Winter Sports
Big foot skiing, bobsleighing, cross-country
skiing, glacier skiing, h eli-skiing, kite
sn ow boarding, langlauf, luging, mono-
skiing, skidooing, skiing, ski acrobatics, ski
fly ing, ski jumping, ski racing, ski touring,
sledg ing, sn ow blading, snowboarding,
sn owmobiling, speed skating, tobogganing.
You , Your, Person(s) Insured
A ll persons named in the Certificate of
In su rance within the Age Limit being
r esident in Portugal. Ea ch person is
sepa rately insured with the exception of a ny
Ch ild unless travelling with an
Insu red Adult.
Chubb European Group SE, insurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 924 00
Courbevoie, France, a company registered in Nanterre under number RCS 450 327 374, with a fully paid share capital of 896.176.662€, governed by the provisions of the French insurance Code, operating through its branch in Portugal, named "Chubb European Grou p SE - Sucursal em Portugal", domiciled at Avenida da Liberdade, 249, 3rd Floor, 1250-143 Lisboa, registered at the Commercial Registry Office with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4, Place de
Budapest, CS 92459, 75436 PARIS CEDEX 09 and by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) with code n.1173.
40
Data Protection
We u se personal information which you
su pply to us or, where applicable, to y our
in surance broker in or der to write and
a dminister this Policy, including any claims
a r ising from it.
Th is information will include basic contact
details such as your name, address, and
policy number, but may also include more
detailed information a bout y ou (for
ex ample, your age, health, details of a ssets,
cla ims history) where this is relevant to the
r isk we are insuring, services we are
pr ov iding or to a claim y ou are reporting.
We a re part of a global group and y our
per sonal information may be shared with
ou r group companies in other countries a s
r equ ired to prov ide coverage under your
policy or to store y our information. We also
u se a number of trusted service providers,
w h o will also have a ccess to y our personal
in formation subject to our instructions and
con trol. Some of the recipients may be
ba sed in territories, like the US, with a level
pr otection of pr ivacy not equivalent to the
on e en joy ed in the European Union.
You have a number of r ights in relation to
y our personal information, including r ights
of a ccess a nd, in certain circumstances,
r ectification, erasure, restriction of
pr ocessing, data portability, objection and
r ev iew of automated individual decisions.
Th is section represents a condensed
ex planation of how we use your personal
in formation. For more information,
ch ecking the identity of our Da ta Protection
Officer and knowing how to exercise your
da ta rights, we strongly recommend y ou
r ea d our user-friendly Ma ster Privacy
Policy , available here:
h ttps://www2.chubb.com/uk-
en /footer/privacy-policy.aspx. You can a sk
u s for a paper copy of the Privacy Policy at
a ny time, by contacting u s a t
da [email protected] .
Language
Upon r equest from the policyholder, the
pa r ties agree that this policy was written in
En g lish language.
T h e actions a rising from this
Insu rance Contract will expire within
fiv e (5) y ears. The limitation period begins
sin ce the knowledge of the right.
Chubb European Group SE, i nsurance company with head office at La Tour Carpe Diem, 31 Place des Corolles, Espl anade N ord, 92400 Cour bevoie, Fr ance, a company registered in N anterre under number RCS 450 327
37 4, w i th a fully paid share capital of 896.1 76.662€, gov er ned by the provisions of the French insurance Code,
oper ating through its branch in Portugal, named "Chubb European Group SE - Sucursal em Por tugal", domi ci led at Avenida da Li berdade, 249, 3r d Fl oor, 1 250-1 43 Li sboa, r egistered at the Commercial Registry
Of f i ce with the same registration and taxpayer 980350964, supervised by the Autorité de Contrôle Prudentiel
et de Résol ution (ACPR) 4, Pl ace de Budapest, CS 92459, 7 5436 PARIS CEDEX 09 and by the Autoridade de Super visão de Seguros e Fundos de Pensões (ASF) with code n.1 173.
Contact Us
Ch ubb European Group SE, Sucursal em
Por tugal
A v . da Liberdade, n .º 249, 3rd Floor, 1250-143
Lisboa
About Chubb
Ch ubb is the world’s largest publicly traded
pr operty and casualty insurer. With operations
in 54 countries, Chubb prov ides commercial
a n d personal property and casualty insurance,
per sonal accident and supplemental health
in surance, reinsurance and life insurance to a
div erse group of clients.
Th e company is distinguished by its extensive
pr oduct and service offerings, broad
distribution capabilities, exceptional financial
str ength, underwriting excellence, superior
cla ims handling expertise and local
oper ations globally.
Th e insurance companies of Chubb serve
m ultinational corporations, midsize and sm all
bu sinesses with property a nd casualty
in surance and services; affluent and high n et
w or th individuals with substantial assets to
pr otect; individuals purchasing life, personal
a ccident, supplemental health, home and car
in surance and other specialty insurance
cov erage; companies and affinity groups
pr ov iding or offering a ccident and health
in surance programmes and life insurance to
th eir employ ees or members; and insurers
m anaging exposures with reinsurance cov erage.
Ch ubb’s core operating insurance com panies
m a intain financial strength ratings of AA from
Sta ndard & Poor ’s and A++ from A .M. Best.
Ch ubb’s parent company is listed on the New
Yor k Stock Exchange (NYSE: CB) and is a
com ponent of the S&P 500 index.