 | Insurance Definitions |
| COSTA CROCIERE S.p.A., in collaboration with Mondial Assistance, a company specialised in insurance cover for the tourism sector, has agreed and assessed the adequacy of a specific insurance policy with particularly favourable contractual conditions, and whose cost is already included in the payment, for all those taking part in cruises in the ‘Emerging Countries Programme’. Policy No. 172.061 has been deposited in the offices of COSTA CROCIERE S.p.A. The full version of the cover will be given with the travel documents before the departure; however, the full regulations, which are available on the website indicated below, can be consulted at the booking stage:
WWW.MONDIAL-ASSISTANCE.IT ON THE ‘PARTNER & FRIENDS’ PAGE |
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| Definitions |
| INSURED: the person whose interests are protected by the insurance or every person enrolled in the cruise organised by Costa Crociere S.p.A. and advised to the company in a normal manner.
CONTRACTING PARTY: Costa Crociere S.p.A., Via XII Ottobre 2, 16121 Genoa, Italy, indicated below as Costa Crociere.
ADDRESS: the place where the Insured has his/her main address for his/her affairs and interests.
EXCESS: the part of the damage which the Insured will pay, calculated in a fixed or percentage manner.
ACCIDENT: the event due to accidental, violent and external circumstances which produces bodily injuries which can be objectively noted, the result of which is death or permanent invalidity.
CARE INSTITUTE: public health structure or private care home with regular authorisation, as per the law in force, for the provision of hospital services. The following are not considered care institutes: spa centres, structures for the elderly, long-term stay or convalescence homes, structures whose main aim is dietetic, physiotherapy and rehabilitation.
RESIDENCE: the place where the Insured has his/her habitual home. Admission: admission to a care institute which requires at least one overnight stay (day hospital and Accident and Emergency excluded).
COMPANY: Mondial Assistance Italia S.p.A., indicated below as Mondial Assistance.
TRIP: the cruise including accommodation on board ship, flights, transfers and excursions booked i
n Italy sold by Costa Crociere S.p.A. to the Insured and showing on the relative contract or travel document. |
| Regulations common to all covers |
| Effective date, Expiry, Operativity
The services and insurance cover are effective from and valid:
For the Baggage cover, Personal Assistance, Medical Expenses, Civil Liability of the traveller, Legal Assistance, Interruption of the Cruise, Delay of Aircraft
- for Insured resident abroad, from the time of boarding and for the duration of the cruise. The operating conditions for residents/those living in Italy traveling abroad apply;
- for cruises made for tourism, study or business purposes with, however, a maximum of 60 days from the date the cruise starts;
- for 'Delay of Aircraft' in particular, the cover is operative from the last official time advised to the Insured by Costa Crociere S.p.A. before departure;
- up to the amount of the capital set out for each cover and summarised in the 'Table of Services and Capital Insured'.
“Outings and excursions” accidents
from the time in which the Insured disembarks and for the period necessary to take advantage of the services acquired (outings and excursions) and terminates at the time the embarkation operations start. |
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| Cover |
|  | 1. Baggage ? (extract of the conditions) |
| | AIM
Baggage ? Within the limit of the capital insured of ? 2,600 per person, Mondial Assistance will indemnify the Insured for material and direct damage to him arising from the theft, snatch, robbery, fire, soaking or leakage of liquids, or failure to return the baggage by the airline.
Purchase of essential items - Mondial Assistance will reimburse the Insured for the documented expenses in purchasing essential items following a delay of more than 8 hours in the return of baggage by the airline company, in excess of the capital insured, and with a maximum of ? 400 per insurance period, calculated on the basis of the official time of arrival at one of the destinations of the outward flight. The cover will be operative from the time of the first check-in and terminate before the last check-in.
The following goods are excluded:
- money in any form;
- shares of any kind, documents, cheques, traveller’s cheques and credit cards;
- coins, stamps, works of art, collections, samples, catalogues, goods, travel documents;
- audio, audio-visual and photo-cine-optical equipment entrusted to third parties (hoteliers, airlines, etc.);
- professional instruments, personal computers, mobile telephones and PDAs, arms, helmets and car radios.
Limits of indemnity
The indemnity will be paid with the following limits per object:
- suitcases and travel bags, items of clothing, personal objects that the Insured takes with him on the cruise: per item ? 300
- jewels, precious items, watches, furs: per item ? 400 and cumulatively ? 800
- photo-cine-optical equipment (considered as a single item) per item ? 500
- sports equipment: per item: ? 600
- health equipment for the disabled: per item and cumulatively equal to capital of ? 2,600
- equipment for infants [e.g. pushchairs and prams]: per item ? 400 |
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| | 2. Health assistance and medical expenses ? (extract of the conditions) |
| | Aim of Health Assistance cover
Mondial Assistance will make the medical and organisational structure of the Operating Centre available to the Insured in difficulty during the cruise, and which, also in collaboration with the local doctors or those on board, will activate the cover and assistance services which it considers most appropriate for management of the case, i.e.:
- Telephonic medical consultancy.
- Indication of a specialist doctor abroad.
- Transport ? return for health reasons.
- Return at the same time of all family members or a travelling companion following the return for health reasons of the Insured, or his decease.
- Accompanied return of an insured minor.
Early return of the Insured, all family members and a travelling companion following the death or admission to hospital with imminent danger to life of a family member at home.
- Return trip for a family member to assist the Insured in hospital for a period of more than 10 days. Mondial Assistance will also bear the costs of the hotel (overnight stay and breakfast) up to the maximum amount of ? 100 per day for a maximum of 10 days.
- Costs of extended stay in a hotel (overnight stay and breakfast) up to the maximum amount of ? 100 per day for a maximum of 10 days.
- Return of the convalescent Insured in cases in which his state of health prevents return with the means initially planned. The cover is extended to family members and a travelling companion up to the overall limit of ? 1,000.
- Finding and sending urgent medicines not available locally but regularly registered in Italy.
- Interpreters available for up to an overall 8 hours of work.
- Transmission of urgent messages.
- Reimbursement of telephone charges for contacting the Operating Centre, up to a limit of ? 100.
- Transport of the body.
- Money advance up to ? 8,000. Aim of the Medical Expenses cover
Mondial Assistance, if contacted in advance, will arrange for the following, within the limit of each upper amount, per event and per period:
1. Direct payment up to ? 50,000 of hospital and surgical expenses.
2. Direct payment up to ? 5,000 of the medical expenses paid for admission to the hospital structure on board.
Cover is given up to the time when the Insured is released or, in the unquestionable opinion of Mondial Assistance doctors, is in the condition to be returned. In cases in which the Operating Centre cannot make direct payment, the expenses will be reimbursed, as long as authorised by the Operating Centre contacted in advance or, however, not after the date of release of the Insured. No reimbursement is provided for if there is no contact with the Operating Centre.
3. Reimbursement up to ? 2,000 of the expenses of:
- transport from the place of the incident to the first aid medical centre or centre of first admission;
- search and rescue at sea.
4. Reimbursement up to ? 1,000 of the expenses:
- for medical checks;
- doctors on board;
- medicines, as long as supported by the medical prescription; outpatients’ care;
for cure on return, within 60 days, for the direct consequences of an incident occurring while travelling.
5. Reimbursement up to ? 200 of the expenses for urgent dental treatment.
All reimbursements will be made with application of a fixed excess of ? 60 per claim. |
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| | 3. Legal assistance - (extract of the conditions) |
| | - Bail money up to ? 25,000, following a negligent event of the Insured occurring abroad.
- Finding a lawyer abroad up to ? 5,000, for the local management of civil disputes. |
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| | 4. Interruption of the trip - (extract of the conditions) |
| | Aim
If one of the following assistance services, organized by Mondial Assistance, is activated:
a) transport ? return for health reasons;
b) early return;
c) return of the body,
Mondial Assistance will reimburse the Insured, family members or a travelling companion the pro rata of the holiday not enjoyed, up to the maximum amount of ? 5,200, with effect from the date of return to the address/residence.
Provisions and limitations
Reimbursement will be made, up to the maximum amount of ? 5,200, counting just the individual part of the journey divided by the number of days in the trip and multiplied by the number of days missing for the completion of the cruise (pro-rata temporis) excluding the day of return. |
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| | 5. Delay in the aircraft - (extract of the conditions) |
| | Aim
- Indemnity ? If the flight is delayed, as calculated on the basis of the official timetable advised to the traveller/Insured with the travel documents or convocation fax by Costa Crociere or on its behalf, for any reason attributable to either the airline or Acts of God such as strikes, airport congestion, inclement weather or other, Mondial Assistance will indemnify the Insured with ? 150 after the first 8 complete hours delay in the first outward and/or return flight.
- Reimbursement 75 % Crociera ? As an alternative to point 7.1.1, if the delay of the aircraft of more than 8 complete hours of the first outward flight prevents the Insured from embarking on the ship, Mondial Assistance will reimburse 75% of the total amount of the cruise (net of administrative costs, the insurance premiums, airport/embarkation/disembarkation taxes and visas). |
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| | 6. Third party civil liability (RCT) - (extract of the conditions) |
| | Aim
Mondial Assistance will pay the amounts the Insured is required to pay as civilly liable, as per the law, as compensation (capital, interest and costs) for damage involuntarily caused to third parties for death, personal injury and damage to things resulting from an accidental fact occurring during the validity of the policy, relating to events of the private life, with the exclusion of all responsibility referring to the professional activity. The damage arising from the following is, likewise, included in the cover:
-ownership of domestic animals;
-ownership and use of velocipedes, vehicles and motor vessels not more than 6.5 metres long, golf-cars;
-use of horses and other saddling animals with the consent of the owner;
-doing sports, including competitions, not at a professional level, leisure time activities in general.
Upper limits
Per event and insurance period:
- ? 25,000 for damage to things and animals;
- ? 100,000 for bodily damage to people.
Excess
In relation to damage to things and animals, insurance is given with the application of an excess on the damages payable 10% with a minimum of ? 250 per claim.
Provisions and limitations
Cover is given as a second risk with respect to any other civil liability policies operating to cover the same risk.
Geographical extension
The insurance is valid for the whole world with the exclusion, however, of action against the Insured in the USA or Canada. |
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| | 7. Accidents - (extract of the conditions) |
| | Aim
Mondial Assistance will insure accidents (not flying accidents) suffered by the Insured during the outings and excursions on land which lead to death or permanent invalidity within one year of the day on which they occurred. Mondial Assistance will also insure accidents suffered while in an ill state or unconsciousness arising from inexperience, imprudence or negligence, even serious negligence. Mondial Assistance will also consider the following accidents:
- asphyxia which is not of an unhealthy origin;
- acute poisoning from swallowing or absorption of substances;
- drowning;
- hypothermia or freezing;
- sun- or heat-stroke.
Mondial Assistance will not consider the following accidents:
- hernias, except abdominal ones arising from effort;
- heart attacks of any kind.
Effective date and operativity
The cover will be effective from the time the Insured disembarks on land for the period necessary to take advantage of the services acquired (outings and excursions) and terminates at the time in which the embarking operations begin for the return to the ship.
Capital insured:
- ? 25,000 for death;
- ? 25,000 for permanent invalidity.
Excess
There will be no indemnity permanent invalidity when this is of 5% of the total or less. If, however, it is greater then this percentage, the indemnity will only be paid for the percentage above this figure.
Beneficiaries
Legitimate and/or testamentary heirs. |
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| | 8. If there is a claim |
| | THE COMPLETE REGULATIONS ABOUT WHAT TO DO IF THERE IS A CLAIM [INCLUDING THE EXCLUSIONS] IS SHOWN IN FULL IN THE CONDITIONS OF INSURANCE IN:
- Web site WWW.MONDIAL-ASSISTANCE.IT on the page ‘Partner & Friends’;
- The information note which will be given with the other documents before the cruise leaves.
For all information relating to any claims, please consult the web site www.ilmiosinistro.it
The precise indication of the bank details and tax code of the Insured, so that compensation can be paid via bank credit transfer, for timely and safe liquidation of the claim.
Following the instructions on the insurance certificate carefully is essential for the correct and fast liquidation of the damages.Contact the Operating Centre at the number highlighted on the insurance certificate for every eventuality concerning the services of assistance.
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| Note on the privacy of remote communication techniques
(ex Legis. Dec. 196 dated 30/6/03) |
| In order to respect the law on privacy, we would like to inform you about the use of your personal data and your rights. Our company has to acquire (or already holds) some data on you. The data supplied by you or others is used by Mondial Assistance Italia S.p.A. , companies in the Mondial Assistance group in Italy and third parties to whom it will be advised for the purposes of providing you with the information requested, also via fax, telephone including mobiles, electronic mail or other remote communications techniques. In order to comply with the requirements of the insurance policy, please supply the personal data necessary for the supply of the services set out contractually. If medical assistance has been requested, please also supply confidential data which will be handled exclusively and transmitted to agents and suppliers, if necessary, for the urgent management of the claim.
Without your data we will be unable to supply the service wholly or partly. Your personal data will only be used with the method and procedures strictly necessary to supply the service and information you have requested, also via fax, telephone including mobiles, electronic mail or other remote communications techniques. We will use the same methods when we communicate some of this data to other companies in our sector in Italy or abroad, or other companies in our group, in Italy and abroad, for this purpose. We will use people we trust for some services and they will perform tasks of a technical and organisational nature on our behalf. Some of these people also operate abroad. They are our direct collaborators and carry out the function of Data Handling Manager or they operate complete independently as separate owners of that handling. In particular, these are people who are part of the Mondial Assistance group in Italy, service companies to whom the management, liquidation and payment of claims has been entrusted; IT service or filing companies; the postal service companies indicated in the postal envelope.
The list of all the above people is constantly updated and can be easily obtained free of charge by requesting from Mondial Assistance Italia S.p.A., Privacy Service, via Ampere 30, 20131 Milan, Italy or on Fax no. +39 02 23695948, e-mail:
privacy@mondial-assistance.it where the list of current managers can also be obtained. As a result, the consent we request also concerns transmission to these people and their handling of the data, and must be given for the purposes of the supply of services. You have the right to know your data and how it is used at any time. You also have the right to have it updated, integrated, rectified or cancelled, asking for it to be blocked and to oppose its handling. To exercise your rights, contact Mondial Assistance Italia S.p.A., Privacy Service, via Ampere 30, 20131 Milan, Fax +39 02 23695948, e-mail: privacy@mondial-assistance.it |
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| Note for the Contracting Party ? set out in accordance with Art. 185 of Legislative Decree No. 209 dated 07.09.2005
and in conformity with the provisions of ISVAP circular No. 303 of 2 June 1997 |
| This ‘Note' has the aim of supplying the Contracting Party (physical or legal person signing the insurance contract) and the Insured with all the necessary preliminary information for the signature of the contract (insurance contract) as per the provisions of Art. 185 Legis. Dec. No. 209, dated 7.9.2005. This note has been drawn up in Italy in Italian, barring the right of the Contracting Party to ask for it to be drawn up in another language.
1) Information Relating to the Company
- Company name and legal form (insurance company)
The insurance company is MONDIAL ASSISTANCE ITALIA S.p.A.
- Registered office
Via Ampere 30, 20131 Milan (Italy)
- Authorisation for the provision of insurances
The company was authorised to provide insurances with Ministerial Decree dated 02.09.1993 (Official Gazette 211 dated 08.09.1993) and later authorizing provisions.
2) Information Relating to the Contract
- Legislation applicable to the contract
The legislation which applies to the contract is that of Italy; however, the Parties have the right to choose an alternative legislation before signature of the contract.
The company suggests the choice of the Italian legislation. However, the application of the mandatory rule of Italian remains firm.- Prescription of rights deriving from the contract
As per Art. 2952 of the Italian Civil Code, “the rights of the Insured (the person in whose interest the contract has been signed) arising from the contract will be prescribed one year from the day in which the fact on which the right is founded occurred.”- Complaints concerning the contract
Any complaints concerning the contractual relationship or the management of the claims must be forwarded to the company in writing.
Mondial Assistance Italia S.p.A.
Servizio Qualita (Quality Service)
Via Ampere 30, 20131 Milan (Italy)
Fax: +39 02 26 624 008
e-mail: quality@mondial-assistance.it
If the exponent is not satisfied by the outcome of the complaint or if there is response within the maximum term of forty-five days (45), he can contact:
ISVAP
Servizio Tutela degli Utenti (Customer Protection Service)
Via del Quirinale 21, 00187 Rome (Italy)
Furnishing the documentation relating to the complaint handled by the company. Remember that the exclusive competence of the judicial authority, in addition to the right to refer to arbitration systems where they exist, persists in relation to disputes referring to the quantification of the services and the attribution of responsibility.
3) Information during the Contract
If variations referring to the information relating to the company and/or that relating to the contract, the company undertakes to advise the Contracting Party as soon as possible, and also supply all necessary clarification.
Warnings
This note is a document only for information and not contractual by this; it must be given to the Contracting Party before signature of each insurance contract against damage. Given the multitude of types of insurance against damage, we recommend that the Contracting Party always asks his insurance broker for any additional clarification on the chosen contract and to read it carefully before signing the policy. |
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