 | Insurance Definitions |
| COSTA CROCIERE S.p.A., in collaboration with MondialAssistance, a company specialised in insurance cover for thetourism sector, has agreed and assessed the adequacy of aspecific insurance policy with particularly favourablecontractual conditions, and whose cost is already included inthe payment, for all those taking part in cruises in the‘Emerging Countries Programme’. Policy No. 172.061 has beendeposited in the offices of COSTA CROCIERE S.p.A. The fullversion of the cover will be given with the travel documentsbefore the departure; however, the full regulations, which areavailable on the website indicated below, can be consulted atthe booking stage:
WWW.MONDIAL-ASSISTANCE.IT on the ‘Partner and Friends’ page |
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| Definitions |
| Insured: the person whose interests are protected by theinsurance or every person enrolled in the cruise organised byCosta Crociere S.p.A. and advised to the company in a normalmanner.
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 mainaddress 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 externalcircumstances which produces bodily injuries which can beobjectively noted, the result of which is death or permanentinvalidity.
Care institute: public health structure or private care homewith regular authorisation, as per the law in force, for theprovision of hospital services. The following are notconsidered care institutes: spa centres, structures for theelderly, long-term stay or convalescence homes, structureswhose main aim is dietetic, physiotherapy and rehabilitation.
Residence: the place where the Insured has his/her habitualhome.
Admission: admission to a care institute which requires atleast one overnight stay (day hospital and Accident andEmergency excluded).
Company: Mondial Assistance Italia S.p.A., indicated below asMondial Assistance.
Trip: the cruise including accommodation on board ship,flights, transfers and excursions booked in Italy sold by CostaCrociere S.p.A. to the Insured and showing on the relativecontract or travel document. |
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| 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 ofthe Cruise, Delay of Aircraft
- for Insured resident abroad, from the time of boarding andfor the duration of the cruise. The operating conditions forresidents/those living in Italy travelling abroad apply;
- for cruises made for tourism, study or business purposeswith, however, a maximum of 60 days from the date thecruise starts;
- for 'Delay of Aircraft' in particular, the cover is operativefrom the last official time advised to the Insured by CostaCrociere S.p.A. before departure;
- up to the amount of the capital set out for each cover andsummarised in the 'Table of Services and Capital Insured'.
“Outings and excursions” accidentsfrom the time in which the Insured disembarks and for theperiod necessary to take advantage of the servicesacquired (outings and excursions) and terminates at thetime 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 ? 2,600per person, Mondial Assistance will indemnify the Insured formaterial and direct damage to him arising from the theft,snatch, robbery, fire, soaking or leakage of liquids, or failure toreturn the baggage by the airline.
Purchase of essential items - Mondial Assistance willreimburse the Insured for the documented expenses inpurchasing essential items following a delay of more than 8hours in the return of baggage by the airline company, inexcess of the capital insured, and with a maximum of ? 400per insurance period, calculated on the basis of the officialtime of arrival at one of the destinations of the outwardflight. The cover will be operative from the time of the firstcheck-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 chequesand credit cards;
- coins, stamps, works of art, collections, samples, catalogues,goods, travel documents;
- audio, audio-visual and photo-cine-optical equipmententrusted to third parties (hoteliers, airlines, etc.);
- professional instruments, personal computers, mobiletelephones and PDAs, arms, helmets and car radios.
Limits of indemnity
The indemnity will be paid with the following limits perobject:
- suitcases and travel bags, items of clothing, personalobjects that the Insured takes with him on the cruise:per item ? 300
- jewels, precious items, watches, furs: per item ? 400and cumulatively ? 800
- photo-cine-optical equipment (considered as a singleitem) per item ? 500
- sports equipment: per item: ? 600
- health equipment for the disabled: per item andcumulatively equal to capital of ? 2,600
- equipment for infants [e.g. pushchairs and prams]: peritem ? 400 |
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| | 2. Health assistance and medical expenses ? (extract of the conditions) |
| | Aim of Health Assistance coverMondial Assistance will make the medical and organisationalstructure of the Operating Centre available to the Insured indifficulty during the cruise, and which, also in collaborationwith the local doctors or those on board, will activate thecover and assistance services which it considers mostappropriate 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 atravelling companion following the return forhealth reasons of the Insured, or his decease.
- Accompanied return of an insured minor.Early return of the Insured, all family members and atravelling companion following the death oradmission to hospital with imminent danger to life of afamily member at home.
- Return trip for a family member to assist theInsured in hospital for a period of more than 10days. Mondial Assistance will also bear the costs ofthe hotel (overnight stay and breakfast) up to themaximum amount of ? 100 per day for a maximumof 10 days.
- Costs of extended stay in a hotel (overnight stay andbreakfast) up to the maximum amount of ? 100 perday for a maximum of 10 days.
- Return of the convalescent Insured in cases inwhich his state of health prevents return with themeans initially planned. The cover is extended tofamily members and a travelling companion up tothe overall limit of ? 1,000.
- Finding and sending urgent medicines notavailable locally but regularly registered in Italy.
- Interpreters available for up to an overall 8 hours ofwork.
- Transmission of urgent messages.
- Reimbursement of telephone charges forcontacting 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 forthe following, within the limit of each upper amount, perevent and per period:
1. Direct payment up to ? 50,000 of hospital and surgicalexpenses.
2. Direct payment up to ? 5,000 of the medical expenses paidfor 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 theOperating Centre cannot make direct payment, the expenseswill be reimbursed, as long as authorised by the OperatingCentre contacted in advance or, however, not after the date ofrelease of the Insured. No reimbursement is provided for ifthere 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 aidmedical 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 medicalprescription;
outpatients’ care; for cure on return, within 60 days, for thedirect consequences of an incident occurring whiletravelling.
5. Reimbursement up to ? 200 of the expenses for urgentdental treatment.
All reimbursements will be made with application of a fixedexcess 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 ofthe Insured occurring abroad.
- Finding a lawyer abroad up to ? 5,000, for the localmanagement of civil disputes. |
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| | 4. Interruption of the trip - (extract of the conditions) |
| | Aim
If one of the following assistance services, organised byMondial Assistance, is activated:
a) transport ? return for health reasons;
b) early return;
c) return of the body,
Mondial Assistance will reimburse the Insured, familymembers or a travelling companion the pro rata of theholiday 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 journeydivided by the number of days in the trip and multiplied bythe 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 thebasis of the official timetable advised to thetraveller/Insured with the travel documents orconvocation fax by Costa Crociere or on its behalf, for anyreason attributable to either the airline or Acts of Godsuch as strikes, airport congestion, inclement weather orother, Mondial Assistance will indemnify the Insured with? 150 after the first 8 complete hours delay in the firstoutward and/or return flight.
- Reimbursement 75 % Crociera ? As an alternative to point7.1.1, if the delay of the aircraft of more than 8 completehours of the first outward flight prevents the Insured fromembarking on the ship, Mondial Assistance will reimburse75% of the total amount of the cruise (net ofadministrative 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 isrequired to pay as civilly liable, as per the law, ascompensation (capital, interest and costs) for damageinvoluntarily caused to third parties for death, personalinjury and damage to things resulting from an accidental factoccurring during the validity of the policy, relating to eventsof the private life, with the exclusion of all responsibilityreferring to the professional activity. The damage arising fromthe following is, likewise, included in the cover:
- ownership of domestic animals;
- ownership and use of velocipedes, vehicles and motorvessels not more than 6.5 metres long, golf-cars;
- use of horses and other saddling animals with the consentof the owner;
- doing sports, including competitions, not at a professionallevel, 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 isgiven with the application of an excess on the damagespayable 10% with a minimum of ? 250 per claim.
Provisions and limitations
Cover is given as a second risk with respect to any other civilliability 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 flyingaccidents) suffered by the Insured during the outings andexcursions on land which lead to death or permanentinvalidity within one year of the day on which they occurred.Mondial Assistance will also insure accidents suffered whilein an ill state or unconsciousness arising from inexperience,imprudence or negligence, even serious negligence. MondialAssistance will also consider the following accidents:
- asphyxia which is not of an unhealthy origin;
- acute poisoning from swallowing or absorption ofsubstances;
- 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 Insureddisembarks on land for the period necessary to takeadvantage of the services acquired (outings and excursions)and terminates at the time in which the embarkingoperations 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 isof 5% of the total or less. If, however, it is greater then thispercentage, the indemnity will only be paid for thepercentage above this figure.
Beneficiaries
Legitimate and/or testamentary heirs. |
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| | 8. 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 and Friends’;
- The information note which will be given with the otherdocuments before the cruise leaves.
For all information relating to any claims, please consult theweb site www.ilmiosinistro.it
The precise indication of the bank details and tax code of theInsured, so that compensation can be paid via bank credittransfer, for timely and safe liquidation of the claim.
Following the instructions on the insurance certificatecarefully is essential for the correct and fast liquidation of thedamages.
Contact the Operating Centre at the number highlighted onthe insurance certificate for every eventuality concerning theservices of assistance.
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 informyou about the use of your personal data and your rights. Ourcompany has to acquire (or already holds) some data on you.The data supplied by you or others is used by MondialAssistance Italia S.p.A., companies in the Mondial Assistancegroup in Italy and third parties to whom it will be advised forthe purposes of providing you with the informationrequested, also via fax, telephone including mobiles, electronicmail or other remote communications techniques. In order tocomply with the requirements of the insurance policy, pleasesupply the personal data necessary for the supply of theservices set out contractually. If medical assistance has beenrequested, please also supply confidential data which will behandled 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 servicewholly or partly. Your personal data will only be used withthe method and procedures strictly necessary to supply theservice and information you have requested, also via fax,telephone including mobiles, electronic mail or other remotecommunications techniques. We will use the same methodswhen we communicate some of this data to other companiesin our sector in Italy or abroad, or other companies in ourgroup, in Italy and abroad, for this purpose. We will use peoplewe trust for some services and they will perform tasks of atechnical and organisational nature on our behalf. Some ofthese people also operate abroad. They are our directcollaborators and carry out the function of Data HandlingManager or they operate complete independently asseparate owners of that handling. In particular, these arepeople who are part of the Mondial Assistance group in Italy,service companies to whom the management, liquidationand payment of claims has been entrusted; IT service or filingcompanies; the postal service companies indicated in thepostal envelope.
The list of all the above people is constantly updated and canbe easily obtained free of charge by requesting from MondialAssistance Italia S.p.A., Privacy Service, via Ampere 30, 20131Milan, Italy or on Fax no. +39 02 23695948, e-mail:
privacy@mondial-assistance.it where the list of currentmanagers can also be obtained.
As a result, the consent we request also concerns transmissionto these people and their handling of the data, and must begiven for the purposes of the supply of services. You have theright to know your data and how it is used at any time. Youalso have the right to have it updated, integrated, rectified orcancelled, asking for it to be blocked and to oppose itshandling. To exercise your rights, contact Mondial AssistanceItalia S.p.A., Privacy Service, via Ampere 30, 20131 Milan, Fax+39 02 23695948, e-mail:
privacy@mondial-assistance.it
Note for the Contracting Party ? set out in accordance withArt. 185 of Legislative Decree No. 209 dated 07.09.2005 and inconformity with the provisions of ISVAP circular No. 303 of 2June 1997
This ‘Note' has the aim of supplying the Contracting Party(physical or legal person signing the insurance contract) andthe Insured with all the necessary preliminary informationfor the signature of the contract (insurance contract) as perthe provisions of Art. 185 Legis. Dec. No. 209, dated 7.9.2005.This note has been drawn up in Italy in Italian, barring theright of the Contracting Party to ask for it to be drawn up inanother language.
1) Information Relating to the Company
- Company name and legal form (insurance company)The insurance company is MONDIAL ASSISTANCE ITALIAS.p.A.
- Registered office
Via Ampere 30, 20131 Milan (Italy)
- Authorisation for the provision of insurances
The company was authorised to provide insurances withMinisterial Decree dated 02.09.1993 (Official Gazette 211dated 08.09.1993) and later authorising 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 alternativelegislation before signature of the contract. The companysuggests the choice of the Italian legislation. However, theapplication 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 theInsured (the person in whose interest the contract has beensigned) arising from the contract will be prescribed one yearfrom the day in which the fact on which the right is foundedoccurred.”
- Complaints concerning the contract
Any complaints concerning the contractual relationship orthe management of the claims must be forwarded to thecompany 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 thecomplaint or if there is response within the maximum term offorty-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 complainthandled by the company. Remember that the exclusivecompetence of the judicial authority, in addition to the rightto refer to arbitration systems where they exist, persists inrelation to disputes referring to the quantification of theservices and the attribution of responsibility.
3) Information during the Contract
If variations referring to the information relating to thecompany and/or that relating to the contract, the companyundertakes to advise the Contracting Party as soon aspossible, and also supply all necessary clarification.
Warnings
This note is a document only for information and notcontractual by this; it must be given to the Contracting Partybefore signature of each insurance contract against damage.Given the multitude of types of insurance against damage, werecommend that the Contracting Party always asks hisinsurance broker for any additional clarification on thechosen contract and to read it carefully before signing thepolicy.
The prices listed in this brochure were set in February 2009.Please note that these rates may not be applicable at thetime you consult the brochure. We therefore invite you tocheck the best available price with your Travel Agent. |
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