1.2. DESARROLLO DE LAS TEORÍAS Y CONCEPTOS
1.2.3. Turismo cultural
1.2.3.1. Actividad de desplazamiento
6 Any part of ajourneyover 31 days.
7 The excess is limited to £70, where one claim relates to two or more members of the same family covered by this policy and living at the same address, or where one incident results in each insured person claiming under two or more sections (except under sections 2, 5, 7 and 9).
We will act in good faith in all our dealings with you.
Wewill only payyourclaim ifyou meet the following conditions
1 Youtake reasonable care to protect yourself andyourproperty against accident, injury, loss and damage.
2 Youhave a valid credit card payment slip or statement showing that all or part of the cost of purchase of the travel tickets or accommodationyouarranged, were paid for usingthe card.
3 Youget a medical certificate from the doctor who treatedyouwhen a claim is made for medical reasons. Ifyoudie,weneed to see the death certificate, and any other necessary documents.
4 Youwrite tousas soon as
reasonably possible with full details of anything which may result in a claim.
5 Yousendusthe claim form` or other communication to do with a claim as soon as possible afteryou get it.
6 Yougiveusall the information, documents, evidence, vouchers, receipts and billsweneed (including details ofyour household insurance under which your valuablesmay need to be insured separately depending on their value).Youmust do this at yourown expense.
7 Youdo not admit liability or offer to pay any claim unlessyouhave ourwritten permission.
8 Youaccept thatwewill not extend the period of insurance.
9 Youaccept that no alterations to the cover and conditions of the policy thatyourequest apply, unlesswe, HSBC Card Services or HSBC Bank plc confirm them in writing.
General conditions
The following conditions apply to claims under sections 1 and 6
1 Ifyouhave a medical condition, youmust askyourdoctor if it is safe foryouto travel toyour chosen destination.Yourdoctor must take into account howyour condition may be affected by:
•
preventative medication;•
the weather;•
the type of transportyoutake;•
medical services available to youwhileyouare away; and•
altitude or atmospheric pressures.2 Ifyouhave a medical condition, youmust tellusabout any changes inyourmedical condition before eachjourney.Wecan stop providing cover beforeyoutravel if yourhealth or the health of anyone on whom thejourneydepends, changes after the date all or part of yourtravel tickets or
accommodation were bought using the card.
3 Youwill not be covered ifyou travel against the advice of yourdoctor.
4 Ifyoumake a claim,youwould need to getyourdoctor to confirm in writing that, at the date all or part ofyourtravel tickets or
accommodation were arranged and paid for usingthe card,your condition was stable and thatyou were fit to travel and there was no sign thatyourcondition would get worse.
5 Youwill not be covered ifyou knowyouwill need medical treatment whileyouare away, unlessweagree in writing.
6 Youwill not be covered ifyou travel specifically to get medical treatment whileyouare away.
7 Youwill not be covered if, before all or part ofyourtravel tickets or accommodation were arranged and paid for usingthe card, a doctor diagnosed thatyouhave a terminal condition.
8 Youwill not be covered if, at the time of buying this insuranceyou were receiving in-patient treatment or were on a waiting list for in- patient treatment at the start date of yourpolicy and/or the dateyour travel tickets or confirmation of booking were issued.
9 Youwill not be covered ifyousuffer from any diagnosed psychiatric disorder, unlessweagree in writing. The following conditions apply to claims under section 7
1 Youmust keep allyourtickets and luggage tags.
2 Youmust get an estimate for repair for all damage claims. If possible, youshould keep the damaged items so thatwecan inspect them and if wemake a payment orwereplace an item, the item will then belong tous.
3 If something is lost or stolen,you must tell the police as soon as possible but within 24 hours of discovering the loss and get a report and crime reference number from them.You should also get a report fromyour tour operator’s representative oryour hotel or apartment manager if this is appropriate. If the loss or theft happens whileyouare travelling,you must tell the carriers and get a Property Irregularity Report form from them.
4 Youmust keep to the carrier’s conditions of carriage.
5 Youmust not abandon any property.
We have the right to do the following
1 Cancel the policy and make no payment ifyoumake a fraudulent claim.
2 Only coveryouif all or part of yourtravel tickets or
accommodation were arranged and paid for usingthe cardbeforeyou beginyour journey.
3 Take over and deal with, inyour name, any claimyoumake under this policy.
4 Take legal action inyourname (but atourexpense) and askyouto give usdetails and fill in any forms (including Department for Work and Pensions forms), which will helpusto recover any paymentwe have made under this policy.
5 Get information fromyourmedical records (withyourpermission) to helpusorourrepresentatives deal with any claim.Wewill not give personal information aboutyouto any other person or organisation withoutyourspecific agreement.
6 Sendyou homeat any time during your journeyifyouare taken ill or injured.Wewill only do this if the doctor treatingyouand the emergency assistance company doctor agree. If there is a dispute, wewill ask for an independent medical opinion.
7 Not accept liability ifyourefuse to be repatriated.
8 Cancel the cover given on this policy for the rest of ajourneyifyou cancel or cut short thatjourney.
9 Not to pay any claim on this policy (except under section 7) for any amountsyoucan get back from someone or somewhere else or anything which is covered by another insurance policy.
10Not to automatically pay any claim on this policy when travel insurance has been bought for a particular journey.
11Pay any claim in pounds sterling.
12Following the expiry ofyour statutory cooling off period,you continue to have the right to cancel yourtravel insurance policy at any time by contacting HSBC Card Services on 08457 404 404.
13Wecan, at any time and after taking a fair and reasonable view, make changes toyourpolicy cover and/or terms and conditions of insurance to: - reflect changes inour
expectation of the future cost of providing cover and
administeringyourpolicy; - reflect changes in the law,
regulation or taxation that affectsusoryourpolicy. Changes will be notified toyouin writing at least 30 days before they become effective. Policy cover may be increased or decreased.
14 We(or any agentweappoint and who acts withourspecific authority) may cancel the policy by sending 30 days' notice toyourlast known address.
Ifyoudo not meet the policy conditions yourcover may be affected. Ifyouhave not already contactedourmedical line, please phone them on 0800 068 4263, to make sure thatyourcover is not affected. All calls are treated with the strictest confidence. Calls may be monitored or recorded to checkourstandard of service.
•
It is a condition of this policy that: l Ifyouhave a medical condition,youmust askyourdoctor if it is safe for youto travel toyourchosen destination.Yourdoctor must take into account howyourcondition may be affected by:
•
preventative medication;•
the weather;•
the type of transportyoutake;•
medical services available to youwhileyouare away; and•
altitude or atmospheric pressures.2 Ifyouhave a medical condition,you must tellusabout any changes inyour medical condition before each journey.Wecan stop providing cover beforeyoutravel ifyourhealth or the health of anyone on whom the journeydepends, changes after the date all or part ofyourtravel tickets or accommodation were bought using the card.
3 Youwill not be covered ifyou travel against the advice ofyour doctor.
4 Ifyoumake a claim,youwould need to getyourdoctor to confirm in writing that at the date all or part ofyourtravel tickets or
accommodation were arranged and paid for usingthe card,your condition was stable, thatyouwere fit to travel and there was no sign thatyourcondition would get worse.
5 Youwill not be covered ifyou knowyouwill need medical treatment whileyouare away, unlessweagree in writing.
6 Youwill not be covered ifyou travel specifically to get medical treatment whileyouare away.
Medical declaration
7 Youwill not be covered if, before all or part ofyourtravel tickets or accommodation were arranged and paid for usingthe card, a doctor diagnosed thatyouhave a terminal condition.
8 Youmust not have been waiting for medical treatment as a hospital patient or have been under investigation at the date all or part ofyourtravel tickets or
accommodation were arranged and paid for usingthe card.
9 Youwill not be covered ifyou suffer from any diagnosed psychiatric disorder, unlesswe agree in writing.
If you do not meet these conditions your cover may be affected.
•
This is not a private medical insurance policy and only gives cover in the event of accident or illness ifyouneed emergency medical treatment.•
Reciprocal health arrangements Ifyouare travelling to a European Union country, Iceland,Liechtenstein, Norway or Switzerland,westrongly recommend thatyoutake a European Heath Insurance card (EHIC) withyou. Application forms can be obtained from the post office or online and should be completed and validated beforeyoutravel. This will allowyouto benefit from the reciprocal heath arrangements which exist with these countries. Youshould take reasonable steps to use these arrangements where possible. Ifyoumake use of these arrangements or any other worldwide reciprocal health arrangement andyourclaim under section 6 is reduced,youwill not have to pay any excess.
See under the headings ‘Cancellation or curtailment charges - Section 1’ and ‘Medical emergency, repatriation and associated expenses - Section 6’ for more information.
Youcan use this service outside your home countryand Great Britain duringyour journey.
If a medical problem happens contact CEGA as soon as possible.Youmay reverse the call charges when using this service.
Use the international dialling code for theUnited Kingdomfollowed by: Emergency phone number 1243 621064
Fax 1243 773169 Telex 86588 CEGAIR G.
Please give CEGAyourage and policy reference number PTXHCH10000, yourcard number, expiry date and youraddress. Say thatyouare insured by Aviva through HSBC Bank plc, Platinum Credit Card.
CEGA’s doctors and nurses and other technical support staff are on call 24 hours a day throughout the year. They provide immediate help to anyone who contacts their medical emergency service helpline.
The service is available if medically necessary and whenyouhave a valid card payment slip or statement. It includes:
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a guarantee to pay hospital or doctors’ fees;•
help in different languages;•
repatriation arrangements to sendyou homeby land, sea or air using Air Ambulance where appropriate, and if necessary a nurse or doctor to travel withyou;
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necessary travel arrangements for other members ofyourparty or next-of-kin (if it is covered under this policy); and•
an ambulance service to a hospital or nursinghomeoryour home whenyouarrive inyour home country.CEGA may record calls forourjoint protection.