travel insurance contract - itesmgda.itesm.mx/pi/general.pdf · spanish version will prevail over...

Spanish version will prevail over any translation The English translation of this document is a courtesy. In case of controversy, the Spanish version and exclusive

Mexican laws and Courts shall prevail in any case

1 TRAVEL ISURANCE CONTRACT

Special Conditions of the

TRAVEL INSURANCE CONTRACT




Special Conditions of the

TRAVEL INSURANCE CONTRACT




Apreciable Cliente: En RSA Seguros estamos comprometidos en brindarle el mejor servicio esperando con esto cumplir con sus expectativas de calidad y satisfacción, ya que lo más importante para nosotros es su tranquilidad. Es un placer tenerlo como cliente y nos complace informarle que usted esta respaldado con 300 años de experiencia en el mercado asegurador, por lo tanto puede sentirse tranquilo y confiado de que siempre le brindaremos la mejor protección. Nuestra amplia experiencia en el mercado nos permite ofrecer un servicio de calidad, garantizándole el mejor respaldo para hacer frente a los momentos más difíciles. Ponemos a su disposición seguros de: Vida

Patrimoniales

Empresariales

Daños

Lo invitamos a que conozca sus Condiciones Generales para saber más a detalle todos los beneficios con los que cuenta a partir de este momento. Agradecemos la confianza que ha depositado en nosotros, para dudas o comentarios, contacte a su Agente de Seguros quien con gusto lo atenderá o llámenos al 01 800 00 83 693. Protege en un solo lugar lo más valioso de tu vida.

Atentamente RSA Seguros




GENERAL DEFINITIONS

For the effects of the present contract, the

following are agreed on as definitions:

ACCIDENT

Injury or handicap which affects the personal

integrity, health or strength of the Insured as

the result of an external, violent, sudden and

unexpected event. In view of the foregoing,

when this contract refers to an Accident, no

illnesses of any type are covered.

AIRCRAFT

Airplane operated by a commercial airline

authorized for the regular transportation of

passengers on regularly‐scheduled services,

excluding private flights (known as charter

flights).

INSURED

Any individual described as such on the cover

page of the policy, who is covered under the

coverage of this insurance.

INSURED HOLDER

Holder Is the individual, also insured, who

has contracted this insurance and who

represents his/her Economic Dependents.

BENEFICIARY

Is the person named by each one of the

Insured to receive the benefit of the

insurance, in the event of the death of each

of same.

COINSURANCE

Percentage or amount by which the total

amount corresponding to the Insured as

reimbursement of Medical Expenses for

Accident and/or illness is reduced, after the

Deductible has been diminished and in the

event this coverage has been contracted.

COMPANY

Royal & SunAlliance Seguros México S.A. de

C.V.

DEDUCTIBLE

Amount payable by the Insured to be

discounted from the indemnity for each

event.

ECONOMIC DEPENDENTS

Only the following persons will be considered

Economic Dependents of the Holder: his/her

spouse, the ascendants of the Insured Holder

and his/her children over 6 months and

under 24 years of age, always providing that

they are unmarried and maintain the

condition of economic dependency. For the

effects of this definition the relative will not

be considered an economic dependent when

he/she receives any kind of income.

DOMICILE

Habitual place of residence of the Insured

TRANSPORT COMPANY

Company official authorized to provide the

commercial service of passenger transport,

over established routes, for a minimum

period of 24 continuous hours.

HOSPITALIZATION FOR ACCIDENT

Internment of the Insured in a Hospital,

deriving from an Accident under the care and




attention of a Doctor, for a minimum period

of 24 continuous hours.

HOSPITALIZATION FOR ILLNESS

Internment of the Insured in a Hospital

deriving from an illness under the care and

attention of a Doctor, for a minimum period

of 24 continuous hours.

Hospital or Sanatorium Institution legally

authorized to provide hospital services,

whether medical or surgical, which operates

under the constant supervision of a Doctor.

Doctor Person qualified to exercise

medicine, holding a degree and legally

authorized for the exercise of same.

PASSENGER

Is the individual making use of Public

Transport whose ticket or travel costs have

been paid, excluding the personnel servicing

same.

DISMEMBERMENT

The surgical or traumatic amputation of a

foot, a hand, the thumb or index finger or a

total loss of their use; the loss of an eye will

be understood to mean the complete and

irreparable loss of the seeing function of that

eye.

PRE‐EXISTENT

Is that state or pathological affliction which,

prior to the entry into effect of the policy:

A) Was diagnosed by a Doctor; or

B) Resulted in an expenditure, or

C) Was obvious on sight; or

D) Was one of those which, due to their

symptoms or signs, it was impossible not to

perceive.

ACQUIRED IMMUNODEFICIENCY SYSTEM

(AIDS)

Has the significance attributed thereto by the

World Health Organization; AIDS will include

HIV (Human Immunodeficiency Virus),

Encefalopatía (Dementia), HIV Weakening

Syndrome and "ARC" (Asociación de

Síntomas Relacionados con el SIDA).

PUBLIC TRANSPORT

Sea or land vehicle or aircraft authorized to

transfer passengers, over an established

route and subject to regular itineraries,

excluding private flights known as charter

flights.

INTENSIVE THERAPY UNIT

Hospital division working 24 hours a day and

utilized for attending to seriously ill patients

by the provision of special medical services

and equipment not available in a normal

recovery or post‐operational room or other

non‐intensive care units.

Journey Is the transfer (whether by aircraft or

water or land means) of the Insured from

his/her domicile to his/her place of

destination (or vice versa), always providing

the domicile and the place of destination are

separated by a distance of 50 kilometers. The

stay at the place of destination is considered

part of the journey when the coverage so

indicates. The cover page of the policy of this

contract should indicate whether work

journeys, pleasure journeys or both are

covered.




GENERAL CONDITIONS

1. Insurance Contract

This insurance contract includes the

coverage indicated as contracted on the

cover page of the policy.

All coverage contracted will only apply while

the Insured is on a Journey.

The type of Journey (whether work, pleasure

or both) should be expressly indicated on the

cover page of the policy in order to be

included.

For all corresponding purposes, the

insurance contract will consist of the

statements of the Insured Holder provided to

the Company, by the policy, by the

endorsements added and by these general

conditions.

2. Period of Effect

The cover page of the policy will indicate the

period of effect of the insurance contracted.

3. Omissions or Inexact Statements

The Insured is obliged to declare to the

Company in writing all important facts for

appreciation of the risk which could have an

effect on the conditions agreed, as they are

known or should be known at the moment

this contract is formalized.

An omission or inexact statement of the facts

to which the previous paragraph refers, will

empower the Company to consider

rescission of the contract in full accordance

with law, even when not influencing the

occurrence of the accident.

4. Age

The age of the Insured will be considered as

that attained on his/her birthday

immediately prior to the date the policy

comes into effect.

The age declared by the Insured must be

legally verified on one single occasion to the

Company, and the date and manner in which

the age was accredited and before whom

this was done, will be recorded in the policy

or in any other document.

In the event of a false declaration of age, the

amount insured will be increased or

decreased depending on the premium paid,

in the terms of article 161 of the Insurance

Contract Law.

If for any reason the policy has been issued

in favor of a person whose age is outside the

limits established in the benefit contracted,

the obligation of the Company will be limited

to returning to the Insured the mathematical

reserve of the contract at the moment of

rescission.

5. Article 25 of the Insurance Contract Law

In the terms of the provisions of article 25 of

the Insurance Contract Law, should the

contents of the policy or its amendments fail

to agree with the offer, the Insured can

request the corresponding rectification

within the 30 days following the date on

which the policy was received. Once this

period has elapsed, the provisions of the

policy or its amendments will be considered

to have been accepted.

Agents or any other person not authorized

by the Company, will have no power to make




amendments or concessions. These

amendments or concessions, as applicable,

can be processed through the insurance

agents, but will only be valid when the

consent of the Company is recorded in

writing.

6. Prescription

All the actions deriving from this contract will

prescribe in two years, counted in the terms

of article 81 of the Insurance Contract Law,

from the date of the event on which they are

based, except in the cases of exception

provided in article 82 of the same law.

The prescription will be interrupted not only

for normal reasons, but also by the

appointment of experts or for the reasons

and in the terms to which the Law on the

Protection and Defense of the User of

Financial Services refers.

7. Currency

All the payments to be made by the Insured

and the Company under this contract, will be

effected in national currency in accordance

with the Currency Law in force in the United

Mexican States on the date of payment.

Should the policy be drawn‐up in dollars,

indemnity will take place according to the

exchange rate in force published in the

Official Gazette of the Federation by the

Bank of Mexico on the date of payment.

8. Competence

In the event of controversy, the Insured or

his/her Beneficiaries can enforce their rights

before the Specialized Unit for Attention,

Consultation and Claims of the Company or

at the National Commission for the

Protection and Defense of the Users of

Financial Services (CONDUSEF), being able at

his/her election to determine the

competence by territory, by reason of

domicile or any of its delegations, in the

terms of articles 50 Bis and 68 of the Law on

the Protection and Defense of the User of

Financial Services and 136 of the General

Law on Mutual Insurance Institutions and

Corporations, the foregoing within a term of

two years counted as from the date on which

the event originating same occurred or, as

applicable, as from the refusal of the

Company to meet the claims of the user, by

submitting the parties to arbitration by the

CONDUSEF, or whomsoever the latter

proposes, leaving the rights of the claimant

free to be enforced before the judge of the

domicile of said delegations.

In all cases, the claimant can appear before

said entities or directly before the

corresponding judge.

9. New Insured

Should a Family Plan have been contracted,

the children born during the term of the

policy can be included in the insurance by

paying an additional premium, as from the

sixth month following their birth.

10. Early Termination

Notwithstanding the period of effect of this

policy, this contract can be terminated early

under the following circumstances:

Should the Insured wish to terminate same,

he/she should so notify the Company in

writing. In this case, the early termination

will come into effect on the day and at the




time the notification is presented to the

Company. The Company will be entitled to

that part of the premium corresponding to

the time the policy remained in force, in

accordance with the following rates for

short‐term insurance:

For insurance contracts covering a single

journey, within the 48 hours following

formalization of the contract, the Company

will be entitled to 25% of the total premium.

For insurance contracts valid for one year:

• Up to three months, 40% of the total

premium will correspond to the Company.

• Up to four months, 50%

• Up to five months, 60%

• Up to six months, 70%

• Up to seven months, 75%

• Up to eight months, 80%

• Up to nine months, 85%

• Up to ten months, 90%

• Up to eleven months, 95%

Should the Company desire to terminate this

contract early, it so should notify the Insured

in writing, sending a notification by certified

mail with at least thirty calendar days'

advance notice prior to the date on which it

wishes to terminate, and should also return

the corresponding part of the unused

premium within a term of 30 days, in

accordance with the provisions of Article 71

of the Insurance Contract Law.

The provisions of this clause will not apply

for any coverages of Accidental Death which

may have been contracted.

11. Automatic Termination

This contract will terminate automatically

without the need for prior notification in the

following cases:

• On the date the period of effect

terminates, as indicated on the cover page of

the policy.

• Upon termination of the period of grace

given in number 24 herein below, without

the premium having been paid.

• In the cases specifically provided for in

each coverage contracted.

• The insurance with respect to children, on

the anniversary date of the policy on which

they attain the age of 24 years.

12. Moratory Interests

In the event that the Company,

notwithstanding having received documents

and information which fully support the

grounds and origin of the claim presented

thereto by the Beneficiary empowered for

such purpose, failure to comply with

payment of the amount insured indicated in

this contract when this becomes legally

requirable, in the terms of applicable current

legislation, it will pay the creditor the

amount for late payment corresponding

thereto in the terms of article 135 Bis of the

General Law on Mutual Insurance

Institutions and Corporations.




13. Beneficiaries

Each Insured of legal age will be entitled to

appoint a third party as Beneficiary, without

the need for consent by the Company. The

Insured should notify the change in writing

to the Company, indicating the name of the

new Beneficiary and remitting the policy for

annotation.

Each Insured, even when a third party has

been named as Beneficiary of the insurance,

can dispose freely of the right deriving

therefrom, either by an act among the living

or by reason of death.

If only one Beneficiary has been named and

the latter die before or at the same time as

the Insured and no new Beneficiary has been

appointed, the amount of the insurance will

be paid to the heirs of the Insured unless he

has agreed to waive the right to revoke the

appointment.

The right to revoke the appointment of the

Beneficiary will only cease when the Insured

waives his/her entitlement to same and,

moreover, so notifies the Beneficiary and/or

the Company. The waiver must necessarily

be shown in the policy, and this record will

be the only means of admissible proof.

Should the Insured fail to state the degree of

relationship, or name as the Beneficiaries of

his/her policy persons who should not inherit

as heirs, omitting to specifically indicate the

proportion corresponding to each, the

insurance will be distributed among them all

in equal parts.

The Company will effect payment of the

corresponding indemnity in accordance with

the last registered appointment of

Beneficiaries, being released from the

obligations incurred under this contract.

Should any of the Beneficiaries disappear,

his/her portion will be evenly distributed

among the remainder.

When there is no Beneficiary named, the

amount of the insurance will be paid to the

legal heirs of the Insured. The same rule will

be observed unless otherwise provided,

should the Beneficiary and the Insured die

simultaneously, or when the Beneficiary or

Beneficiaries appointed die before the

Insured without any alternative Beneficiary

having been named.

Warning: In the event it is desired to name

minors as beneficiaries, no person of legal

age should be appointed to represent them

in order to collect the indemnity on their

behalf.

The foregoing is due to the fact that civil

legislation provides for the manner in which

guardians, executors, the representatives of

heirs or other similar officers should be

named, and do not consider an insurance

contract as a suitable instrument for such

purpose.

Should an adult be named to represent

minor beneficiaries during their minority, this

could legally imply that the adult who, in any

case would only have a legal obligation,

could be named as beneficiary, since the

appointment of beneficiaries in an insurance

contract grants him/her the unconditional

right to dispose of the amount insured.




14. Other Insurance

When insurance against the same risk and

for the same interest, is contracted with

several companies, the Insured will be

obliged to notify each insurance company of

the other insurance existing.

The notification should be given in writing or

indicate the name of the insurers, together

with the amounts insured.

Should the Insured intentionally fail to give

the notification to which this clause refers, or

contracts several insurance policies in order

to obtain an illicit gain, the Company will be

released from its obligations.

The provisions of this clause will not apply

for the coverage of Accidental Death or

those other than the Damages operation for

which they were contracted.

15. Assignment of the Insurance Contract

The Insured cannot cede, transfer or assign

this contract to any other person(s), unless a

previous agreement in writing exists

between the Insured and the Company,

otherwise this contract will be null and void.

16. Amendments to the Contract

This contract can be amended by agreement

between the parties, which should be

recorded in writing.

17. Aggravation of Risk

The Insured must notify the Company of any

essential aggravations affecting the risk

during the course of the insurance, during

the twenty‐four hours following the moment

he/she has become aware of same. The

obligations of the Company will cease in full

accordance with law, should the Insured fail

to so notify or if he/she provokes said

aggravation and this influences the

occurrence of the accident.

18. Fraud, Deceit or Bad Faith

The obligations of the Company will become

null and void:

• Should the Insured, the Beneficiary or

his/her representatives, dissimulate or

inexactly declare facts which would exclude

or be able to restrict said obligations in order

to induce the Company to error.

• Should, for the same purpose, they fail to

deliver the documentation requested on

time to the Company.

• Should there be deceit or bad faith on the

part of the Insured, the Beneficiary, the

successor or the agents or representatives of

any of the foregoing.

• Should the Accident occur due to the

serious fault of the Insured.

19. Language

Any translation of this document is by

courtesy but, in any event, the Spanish

version will prevail.

20. Documents comprising the Insurance

Contract

The cover page of the policy, the

endorsements, the application, the general

conditions and a description of the benefits

contracted form a part, and represent proof,

of the insurance contract formalized with the

Company.




21. Notifications

All communications with the Company

should be made in writing directly to the

latter´s offices, at its domicile. Those made

to the contracting party and/or Insured by

their successors, will be addressed to the last

domicile notified in writing by the Insured for

such purpose or, otherwise, that shown on

the cover page of the policy. All notifications

will be taken as made the same day and will

be negotiated with any person receiving

same at the corresponding domicile.

22. Titles and Definitions

The titles of the clauses contained in this

contract are solely for ease of reference and

add no significance whatsoever to the

present contract. In this document, the

words with a capital first letter will have a

special significance and have been defined.

23. Commissions of the Insurance Agents

During the term of the policy, the contracting

party can ask the institution in writing to

inform him/her as to the percentage of the

premium which, as commission or direct

compensation, corresponds to the

intermediary or corporate entity for their

participation in the formalization of this

contract. The institution will provide this

information in writing or by electronic

means, within a term not to exceed ten

business days following the date on which

the request was received.

24. Premium

The amount of the premium is that shown on

the cover page of the policy.

24.1 Date of Payment

The premium falls due and must be

paid on the date the insurance

contract is formalized.

24.2 Form of Payment

The premium can be paid by charges

made by the Company to the credit

card or bank account selected by the

Insured Holder, whether his/her own

or those of a third party, always

providing that the third party holding

the account grants his/her written or

tacit consent. In the event the charge

is not made for reasons imputable to

the holder of the account involved,

the Insured Holder will be obliged to

effect payment of the premium or

the corresponding part thereof direct

at the offices of the Company, or to

make the respective deposit to the

account indicated thereto by the

Company itself.

The holder of the account to which

charges are made will be responsible

for cancelation of the credit card or

bank account, the absence of a

balance or available credit or any

other similar situation which

prevents collection of the

corresponding amount.

In accordance with the provisions of

the Insurance Contract Law, in the

case of insurance covering a single

journey, payment of the premium

cannot be effected by installment.




24.3 Period of Grace

If the premium has not been paid

within the 30 calendar days following

the due date, the effects of the

contract will automatically cease at

twelve hours on the last day of this

term.

24.4 Payments Pending

In the event of an accident, the

Company will deduct from the

indemnity owed to the Beneficiary

the total premium pending payment

or the parts of this which have not

been paid, until the entire premium

corresponding to the insurance

period covered has been completed.

24.5 Place of Payment

The premiums agreed should be paid

at the offices of the Company or by

deposit to accounts in its name as

provided by the Company, against

delivery of the corresponding

receipt.

25. Medical Arbitration Clause

Only in the event of rejection due to

previously‐existing medical conditions, can

the Insured resort to arbitration proceedings

to resolve controversies arising from pre‐

existence.

The arbitration proceedings will be carried

out according to the following:

25.1 Complaint

The plaintiff will have thirty business

days counted as from the day

following that on which the rejection

of the indemnity is known, to file

his/her complaint with the Company,

mentioning the facts on which it is

based, the points of controversy, and

the benefits claimed.

The complaint should be signed by

the claimant or by his/her duly‐

empowered legal representative, and

accompanied by the respective

proofs.

25.2 Response

The defendant must reply in writing

to the points contested within the

thirty business days following

notification of the complaint.

25.3 Appointment of arbitrator

The arbitrator appointed should be

independent and a single arbitrator,

to be named by agreement between

the parties, will intervene in the

proceedings.

The written complaint should contain

the name and domicile of the

arbitrator proposed by the claimant.

The written response should contain

the acceptance or new proposal of

arbitrator of the defendant.

The party proposing the arbitrator

should notify the arbitrator

appointed in order for the latter to

accept office.

Should the parties fail to agree on

the appointment of an arbitrator

within a term of forty business days




following notification of the

complaint, the arbitrator will be

named by a judge in the terms of the

provisions of article 1427, section III,

of the Commercial Code.

25.4 Hearing of evidence

The arbitrator will examine the

evidence offered in the complaint

and response and decide whether it

is necessary to hold a hearing.

The probatory period must conclude

in a period of three months counted

as from the acceptance date of the

office of arbitrator.

25.5 Allegations

Once the probatory period has

concluded, the arbitrator will notify

the parties of commencement of a

period of fifteen business days for

the parties to file allegations in

writing.

25.6 Award

Upon termination of the allegations

period, the arbitrator will have three

months to issue and notify his award

to the parties, which award will bind

the parties and have the effect of res

judicata between them.

The arbitrator will resolve based on

the text of the corresponding

contract conditions and must justify

his decision. The Insurance Contract

Law and the General Law on Mutual

Insurance Corporations and

Institutions should govern the

grounds of the matter.

25.7 Transfers

On all declarations, probatory

documents, expert opinions or other

information filed by one of the

parties with the arbitrator, the other

party will be notified on the same

date.

25.8 Domiciles:

Notification of the arbitration

proceedings will be given:

• For the Company: to its domicile

located at Blvd. Adolfo López Mateos

2448, Colonia Altavista, C.P. 01060,

Delegación Álvaro Obregón, Mexico

City.

• For the Insured: to the domicile

indicated on the cover page of the

policy.

• For the appointed Arbitrator: to

the domicile reported by the latter to

the parties on accepting office.

All notifications will be given by

private messenger service and will be

taken as made on the day they are

received. Refusal by one of the

parties to receive the notifying

document will not give rise to cause

to consider the document not

notified.

25.9 Costs of the Arbitration

Should arbitration take place, this

procedure will be at no cost to the




claimant and will be paid by the

Company, with the exception of the

claimant´s travel costs and costs of

expert advisory services.

25.10 Place of Arbitration

The place of arbitration will be the

domicile of the Company.

25.11 Supplementation

In everything not provided for in the

present clause the provisions of the

fourth heading of the Commercial

Code will apply.

26. Indemnity Procedure

26.1 Notice

Any event which could result in an

indemnity in the terms of this

contract, should be notified in

writing to the Company within the 5

days following the date on which it

occurs

26.2 Proof

The claimant must present to the

Company at his/her cost, in addition

to the declaration forms supplied

thereto by the latter, proof of the

facts and relative documents giving

rise to the claim.

On processing any claim in

connection with this contract, the

Company will be entitled to practice,

at its cost, medical examinations of

the Insured, as well as to verify the

veracity of the facts declared by the

Insured, Beneficiary or their

representatives.

26.3 Payment of Indemnity

The Company will pay indemnity for

death to the appointed Beneficiaries.

Indemnities originated by events

other than death will be paid to the

Insured Holder.

In the coverage providing Daily

Indemnity, the Company and the

Insured Holder can agree that

payments will be made weekly or

monthly.

The Company will effect payment of

the indemnity at its domicile, within

the 30 days following the date on

which the evidence on which the

claim is based is received; otherwise,

the provisions of clause 13 above will

apply.

27. Limit of the Sum Insured

All coverage will have as maximum

indemnity the insured amount indicated on

the cover page of the policy.

Should reimbursement of costs coverage be

contracted, each payment made by the

Company will be discounted from the

insured amount.

28. Territoriality

This policy do not covers loss, injury,

damage, civil liability, benefit or service

generated directly or indirectly by travel to,

in or through Afghanistan, Cuba, the




Democratic Republic of the Congo, Iran, Iraq,

Liberia, the Sudan or Syria.

GENERAL EXCLUSIONS

Notwithstanding the fact that every benefit

contracted provides for its own exclusions,

listed below are the exclusions applicable to

all benefits:

The Company will not pay an indemnity for

an accident occurring during the term of this

insurance contract, when this is originated

by any of the following events or

circumstances or when it occurs under the

situations described below:

1. Pre‐existent Medical Conditions

Notwithstanding the foregoing, the

Company can only reject a claim for a pre‐

existent injury and/or illness when it has

any of the proofs indicated in the following

cases:

i) Statement (prior to formalization of the

insurance contract) on the existence of said

injury and/or illness, or

ii) Medical file containing a diagnosis

prepared by a legally‐authorized doctor, or

iii) Laboratory or cabinet tests, or

iv) Any other recognized method of

diagnosis.

The Company can also reject a claim for a

pre‐existent injury and/or illness when,

prior to formalization of the insurance

contract, the Insured has incurred in

expenses, verified by documents, to receive

medical treatment for the injury and/or

illness in question.

Independently of the foregoing, when the

Company holds documentary proof that the

Insured has incurred in expenses in order to

receive a diagnosis of the illness or injury in

question, it can request the results of said

corresponding diagnosis from the Insured

or, as applicable, the medical or clinical file,

in order to resolve on the applicability of

the claim.

This exclusion will not apply if the Insured

underwent the medical examination prior

to accepting the contract in the terms

indicated by the Company, since the

exclusion of pre‐existence cannot be

applied thereto with respect to any illness

and/or injury whatsoever unless this was

diagnosed at said medical examination.

2. Injuries or Accidents deriving from direct

participation by the Insured as active

subject of the felony, in felonious acts of an

intentional nature.

3. The professional practice of any sport.

4. When the Insured drives or travels on a

motorbike, scooter, or similar motorized

vehicle.

5. The practice of parachuting, diving,

climbing, charreada, skiing, bullfighting or

any type of aerial sport.

6. Tests or contests of speed, resistance or

safety in vehicles of any type in which the

Insured participates.




7. Injuries or death of the Insured in a

quarrel when this was provoked by the

latter.

8. Injuries or death of the Insured on

military service.

9. Accidents which occur while the Insured

is on board an aircraft, unless traveling

thereon as a Passenger.

10. Accidents originated or caused by the

serious fault of the Insured. In all cases,

serious fault of the Insured will be

understood as being in a state of

drunkenness or under the influence of

drugs, nerve‐affecting medicine or

stimulants not medically prescribed. A state

of drunkenness will be understood as the

presence of a level in excess of 150

milligrams of alcohol over 100 milliliters of

blood of the Insured, at the moment the

Accident occurs.

11. Complications of pregnancy, unless said

complications result as the consequence of

an Accident or some reimbursement of

medical expenses coverage had been

contracted which covers same.

12. Indemnities by or as the result of or

resulting from, which contribute to or are

aggravated as the direct or indirect

consequence, accidental or intentional,

deliberate or not deliberate, direct or

indirect, immediate or remote of, or are

caused entirely or in part by any of the

following events:

a) War (declared or not), invasion, warlike

action in times of peace or war, acts of

foreign enemies, hostilities, civil war and/or

similar operations, including covert action,

combat or defense against actual attack, the

prevention of said attack or anticipated

attack: by government (by law or in fact) or

usurped power or by any authority

maintained by or using military, naval or air

force power or by an agent of any of said

governments, power, authority or force.

b) Riot, civil commotion assuming the

proportions of or popular uprising,

insurrection, rebellion, revolution, either

military or by the usurpation of power, or

action taken by the government authority

to prevent, combat or defend itself against

said occurrence, attack or destruction.

c) Acts of terrorism committed by one or

several people acting on behalf of, or in

connection with, any organization.

For the purposes of this condition, terrorism

signifies the type of criminal action

described in article 139 of the Federal

Criminal Code, that is, the use of explosives,

toxic substances or firearms or by fire,

flooding or any other violent means by

means of which acts are committed against

persons, things or public services producing

alarm, fear, terror in the population or in a

group or sector of same, in order to disturb

public peace or try to undermine the

authority of the state or put pressure on

authority to adopt a decision.

d) Kidnapping, any unlawful or illicit attack

or unjust exercise of the control over any

means of transportation, including but not

limited to aircraft, aquatic vehicles, trucks,

trains or automobiles, including any

attempt at attack or control effected by any

person or persons.




13. Poisoning of any origin or nature, unless

shown that this was an Accident in the case

of the Insured.

14. The homicide of the Insured caused by a

firearm or cutting weapon, without the

cause, motive, circumstances or type of

weapon being of consequence.

15. Injuries caused by a firearm or cutting

weapon, without the cause, motive,

circumstances or type of weapon being of

consequence.

16. If the death or injuries of the Insured are

the result of a robbery or attempted

robbery to the detriment of the Insured.

17. If the death or injuries of the Insured are

produced by a direct and premeditated

attack against the Insured.

18. Infections with the exception of those

resulting from injuries deriving from

Accidents.

19. Injury or death by ionizant radiation,

nuclear fissure or fusion or radioactive

pollution.

20. Surgical intervention or treatment, both

of a preventive nature.

21. Injuries or death resulting from the

kidnapping of the Insured.

22. Opportunist infection or malign

neoplasm if, at the moment the illness

manifests itself or the Accident occurs, the

Insured has the Acquired Immune

Deficiency Syndrome (AIDS) or is zero‐

positive to the HIV (Human Immune

deficiency Virus). Opportunist infections

include pneumonia, pneumocystis carinii,

Sarcoma de Kaposi and lymphoma of the

central nervous system.

23. Acquired Immune Deficiency Syndrome

(AIDS), the symptomatic complex related to

AIDS (CRS) and all the illnesses caused by

and/or related to the HIV Positive virus.

24. Surgical treatments or interventions of

an aesthetic or plastic type, except for the

essential reconstructive surgery deriving

from an Accident.

25. Chiropractic or acupuncture treatment.

26. Hernias or eventrations, unless these

are the result of an Accident.

Absence of Coverage

THIS CONTRACT DOES NOT REPRESENT LIFE

INSURANCE, but rather an insurance

contract covering Accidents occurring to the

Insured while the latter is on a Journey,

AND WILL NOT THEREFORE COVER ANY OF

THE FOLLOWING EVENTS OR SITUATIONS:

• Unless a reimbursement of funeral

expenses coverage has been contracted, the

death of the Insured not deriving from an

Accident.

• Suicide of the Insured.

• Self‐inflicted injuries committed by the

Insured in whatever mental state.

• Any type of injury or death caused outside

of what, in conformity with this contract, is

considered a Journey.




DESCRIPTION OF COVERAGE




INDEMNITY FOR ACCIDENTAL

DEATH

DESCRIPTION OF THE COVERAGE

The Company will pay the insured amount of

this coverage should the Insured die as the

result of an Accident, at the moment of

accident or within the 90 calendar days

following the date of same.

Automatic termination

For every Insured, this coverage will

automatically terminate without the need for

notification, when the Economic Dependent

ceases to qualify for this condition.

INDEMNITY DUE TO

ACCIDENTAL DEATH IN PUBLIC

TRANSPORT






following the date of same, as long as the

event occurs whilst the Insured is a

Passenger in Public Transport.






INDEMNITY DUE TO

ACCIDENTAL DEATH IN AIR

TRANSPORT






following the date of same, as long as the

event occurs whilst the Insured is traveling

onboard an Aircraft, or when getting on or

off thereof during normal or forced

stopovers or during his/her stay in the place

of the normal or forced stopover.

The indemnity will be paid as long as the

Accident occurs during the validity of the

cover.

EXPOSURE TO NATURAL ELEMENTS

The death of the insured will be subject to

indemnity, in the terms of this cover, due to

being unavoidably exposed to adverse

natural elements as a consequence of an

Accident.

DISAPPEARANCE

The Company will pay the indemnity in the

case that the Insured disappears as a

consequence of the Accident of an Aircraft in

which he/she is traveling as a Passenger,

even when his/her body has not been found.

In the latter case, six months must have

passed from the date on which the Accident

occurred in order to proceed with the

payment of the corresponding indemnity.




INDEMNITY FOR ACCIDENTAL

DEATH IN TRAFFIC




result of an covered Accident, at the moment

of accident or within the 90 calendar days

following the date of same, as long as such

Accident occurs:

a) When the Insured is the driver or occupant

of a private automotive vehicle or rented

automobile; or

b) When the Insured is run over by any class

of automotive vehicle, whilst walking along

the public highway as a pedestrian.






INDEMNITY FOR

DISMEMBERMENT AS THE

RESULT OF ACCIDENT

INDEMNITY SCALE “A”


If as the result of any Accident, upon the

occurrence of same or within the 90 calendar

days following, the Insured suffers any of the

losses listed in the following indemnity table,

the Company will pay the percentage of the

insured amount of coverage indicated in said

table.

Automatic Termination

For each Insured, this coverage will


prior notification, when the Economic

Dependent ceases to qualify for this

condition.

MAXIMUM LIABILITY

The maximum liability to be paid by the

Company whether for the occurrence of one

or more Accidents or of one or more

dismemberments covered, will be the

amount insured contracted under the

present coverage.

TABLE OF INDEMNITY FOR

DISMEMBERMENT

SCALE "A"

CONCEPT PERCENTAGE

Loss of both hands 100%

Loss of both feet 100%

Loss of both eyes 100%

Loss of one hand and one foot

100%

Loss of one hand and an eye 100%

Loss of a foot and an eye 100%

Loss one hand or one foot 50%

Loss of an eye 30%

Loss of the thumb of either hand

15%

Loss of the index finger of either hand

10%




INDEMNITY FOR


RESULT OF ACCIDENT

INDEMNITY SCALE “B”







insured amount of coverage indicated in said

table.






condition.

MAXIMUM LIABILITY






present coverage.


DISMEMBERMENT

SCALE "B"

CONCEPT PERCENTAGE




Loss of one hand and one 100%

foot




Loss of an eye 30%

Partial amputation of one foot, including all the toes

30%

Loss of three fingers on one hand, including the thumb or index finger

30%

Loss of three fingers on one hand, not including the thumb or index finger

25%

Loss of the thumb on one hand and any other finger other than the index finger

25%

Total loss of hearing in both ears

25%

Loss of the index finger on one hand and any other finger other than the thumb

20%

The loss of at least 5 cm from any lower bodily member

15%


15%


10%

Loss of the middle finger, ring finger or little finger

5%




INDEMNITY FOR


RESULT OF ACCIDENT IN

PUBLIC TRANSPORT






losses listed in the following Indemnity table,


insured amount of this coverage and

indicated in said table, as long as the event

occurs whilst the Insured is a Passenger in

Public Transport.






condition.

MAXIMUM LIABILITY






present coverage.


DISMEMBERMENTSCALE "A"

CONCEPT PERCENTAGE





100%




Loss of an eye 30%


15%


10%

INDEMNITY FOR



PUBLIC TRANSPORT








insured amount of this coverage and

indicated in said table, as long as the event

occurs whilst the Insured is a Passenger in

Public Transport.






condition.

MAXIMUM LIABILITY









present coverage.


DISMEMBERMENT

SCALE "B"

CONCEPT PERCENTAGE





100%




Loss of an eye 30%


30%


30%


25%


25%


25%


20%


15%


15%


10%


5%

INDEMNITY FOR


RESULT OF ACCIDENT IN AIR

TRANSPORT








insured amount of this coverage indicated in

said table, as long as the event occurs whilst

the Insured is traveling onboard an Aircraft,

or when getting on or off thereof during

normal or forced stopovers or during his/her

stay in the place of the normal or forced

stopover.






condition.

MAXIMUM LIABILITY




dismemberment covered, will be the amount

insured contracted under the present

coverage.





DISMEMBERMENT

SCALE "A"

CONCEPT PERCENTAGE





100%




Loss of an eye 30%


15%


10%

INDEMNITY FOR


RESULT OF ACCIDENT IN AIR

TRANSPORT










the Insured is traveling onboard an Aircraft,

or when getting on or off thereof during

normal or forced stopovers or during his/her

stay in the place of the normal or forced

stopover.






condition.

MAXIMUM LIABILITY




dismemberment covered, will be the amount

insured contracted under the present

coverage.


DISMEMBERMENT

SCALE "B"

CONCEPT PERCENTAGE





100%




Loss of an eye 30%


30%


30%


25%


25%


25%





20%


15%


15%


10%


5%

INDEMNITY FOR



TRAFFIC








insured amount of coverage and indicated in


the Insured:

a) Is driving or an occupant in a private

automotive vehicle or rented automobile; or

b) Is run over by any class of automotive

vehicle, whilst walking along the public

highway as a pedestrian.






condition.

MAXIMUM LIABILITY






present coverage.


DISMEMBERMENT

SCALE "A"

CONCEPT PERCENTAGE





100%




Loss of an eye 30%


15%


10%

INDEMNITY FOR



TRAFFIC













the Insured:

a) Is driving or an occupant in a private

automotive vehicle or rented automobile; or

b) Is run over by any class of automotive

vehicle, whilst walking along the public

highway as a pedestrian.






condition.

MAXIMUM LIABILITY






present coverage.


DISMEMBERMENT

SCALE "B"

CONCEPT PERCENTAGE





100%




Loss of an eye 30%


30%


30%


25%


25%


25%


20%


15%


15%


10%


5%

INDEMNITY DUE TO TOTAL

AND PERMANENT DISABILITY

DUE TO AN ACCIDENT


If as a consequence of a covered Accident

and at the time the incident occurs or within

90 calendar days following the date thereof,

the Insured suffers a state of Total and




Permanent Disability under the age of 65,

the Company will pay the insured sum of this

cover stipulated on the front of the policy.

For the purposes of this cover, the following

definition is established:

Concept Definition Total and Permanent

Disability

Is the inability suffered by the Insured as a

consequence of a covered Accident, to

perform his/her habitual work or any other

job compatible with his/her knowledge, skills

and social position, completely and for the

rest of his/her life.

The loss of the following members of the

Insured caused by an Accident will also be

considered as states of Total and Permanent

Disability:

• The absolute and irreparable loss of sight in

both eyes, or

• The loss of both hands or both feet, or

• The loss of one hand and one foot, or

• The loss of one hand and sight in one eye,

or

• The loss of one foot and sight in one eye.

For the effects of this definition, loss is

understood to mean the separation or

anchylosis from the carpometacarpal joint or

to the shoulder or from the tibial‐tarsal joint

or to the knee.

In order to be considered as Total and

Permanent Disability, an opinion will be

required issued by any public health

institution and/or the confirmation of the

opinion of a Physician indicated by the

Company and a waiting period of six months

as of the accident in order to verify that it is

in fact a Total and Permanent Disability.

For the effects of the above, waiting period

will be understood to mean the time that

passes from the date on which the incident

occurs and the day on which the indemnity

claim should be processed.

The waiting period mentioned in this

definition will not apply in the case of clear

losses of hands or feet, suffered immediately

by the Insured in an event covered by this

insurance.

REFUNDING OF FUNERAL

EXPENSES DUE TO

ACCIDENTAL DEATH


In case of death of the Insured in virtue of an

Accident covered at the time the incident

occurs or within 90 days following the date

thereof, the Company will refund the

amount that has been paid out for funeral

expenses, without exceeding the amount

indicated on the front of the policy as the

maximum insured sum for this cover.

In order to proceed with the refund, the

Beneficiaries should submit the original

receipts of the expenses effectively made to

the Company.

Automatic Termination of this cover

This cover will be automatically terminated,

without the need for prior notice, on the

anniversary of the policy immediately




following the date on which the Insured

celebrates his/her 12th birthday.

INDEMNITY FOR FUNERAL

EXPENSES


In case of death of the Insured due to

accident or illness, the Company will pay the

total insured sum indicated on the front of

the policy for this cover for the funeral

expenses paid thereof.






condition.

EMERGENCY MEDICAL

EVACUATION ASTHE RESULT

OF ACCIDENT


The Company will reimburse the Insured for

the expenses which he/she incurs by reason

of the emergency transportation of the

Insured due to an Accident arising which

he/she is traveling, away from his/her usual

place of residence; during the term of this

coverage.

An emergency medical transfer will be

understood to signify that immediately

necessary due to the medical condition of

the Insured, for transporting him/her from

the place of the accident to the nearest

Hospital or Sanatorium where he/she can

receive suitable treatment.

EXPENSES COVERED

• The expenses for medical transportation of

the Insured in an aerial, land or aquatic

means of transport from the place where the

Accident occurs to the nearest Hospital or

Sanatorium in order to receive medical

treatment.


the Insured from the hospital or sanatorium

where he/she has received the medical

treatment, to his/her place of residence,

when the physical state of the Insured so

permits, in order to continue his/her medical

treatment.

• The expenses for medical attention

provided to the Insured during the transfer.

The medical transfer must comply with the

regulations for this type of transportation

and be authorized and certified by a Doctor,

as well as utilize the most direct, safest and

economical route.

MAXIMUM AMOUNT OF REIMBURSEMENT

The maximum reimbursement to be effected

by the Company for each Accident covered,

will not exceed the insured amount

contracted for this coverage.




EMERGENCY MEDICAL

EVACUATION



the covered expenses which he/she incurs by

reason of the emergency transportation of

the Insured due to an Accident or illness

arising which he/she is traveling, away from

his/her usual place of residence, during the

term of this coverage.

An emergency medical transfer will be

understood to signify that immediately

necessary due to the medical condition of

the Insured, for transporting him/her from

the place of the accident or occurrence of

the illness to the nearest Hospital or

Sanatorium where he/she can receive

suitable treatment.

In the event of illness, this contract will only

cover the medical expenses incurred by

reason of a medical emergency.

For the effects of this coverage, medical

emergency will be understood to signify that

endangering the life or physical integrity of

the Insured.

EXPENSES COVERED


the Insured in an aerial, land or aquatic

means of transport from the place where the

Accident or illness occurs to the nearest

Hospital or Sanatorium in order to receive

medical treatment.


the Insured from the Hospital or Sanatorium

where he/she has received the medical

treatment, to his/her place of residence,

when the physical state of the Insured so

permits, in order to continue his/her medical

treatment.

• The expenses for medical attention

provided to the Insured during the transfer.

The medical transfer must comply with the

regulations for this type of transportation

and be authorized and certified by a Doctor,

as well as utilize the most direct, safest and

economical route.



by the Company for each Accident or illness

covered, will not exceed the insured amount

contracted for this coverage. For the

Unlimited Benefits (Centauri plan), the

Company will pay $2,000,000 USD (two

million dollars) as a the maximum indemnity

amount for this policy.

DAILY INDEMNITY FOR

HOSPITALIZATION ABROAD


The Company will pay the Insured Daily

Indemnity for Hospitalization abroad

stipulated on the front of the policy, if the

Insured is admitted for a minimum period of

24 hours continuously in a Hospital located in

a country other than that of his/her

residence, in virtue of an Accident or illness

during the validity of this cover and being

found in such country.




If on the starting date of the policy the

Insured is hospitalized or in a state of

disability, then this cover will enter into force

once 31 calendar days have passed, counted

as of the release date from the Hospital or

the date on which the state of disability has

ceased.

The indemnity provided by this cover will be

paid as long as the Hospitalization due to

Accident or illness results from an

emergency abroad, and that such

Hospitalization is deemed to be necessary by

the case Physician.

This indemnity will not apply in the case that

the Insured leaves his/her country of

residence with the intention of receiving

medical care abroad.

BENEFIT PERIOD

The Company will pay the Daily Indemnity

for Hospitalization stipulated on the front of

the policy, for each Accident or illness, during

the time the Insured remains Hospitalized,

limiting the benefit period to a maximum of

15 calendar days per event and 60 days per

year.

CONCURRENT COVER

If the Insured has contracted several policies

with this type of cover with the Company,

the liability of the Company for all cover will

be limited to a maximum of double the Daily

Indemnity established in the policy that

grants the greatest benefits.

REIMBURSEMENT OF

MEDICAL EXPENSES WITH

INTERNATIONAL COVERAGE


The company will reimburse the Insured for

the Medical Expenses he/she incurs in excess

of the Deductible and the Co‐assurance, as

the result of each Accident or illness

occurring during the term of this coverage.


cover the Medical Expenses incurred by

reason of a Medical Emergency.

For the effects of this coverage, Medical

Emergency will be understood to signify that


the Insured.

TERRITORY

The Company will reimburse Medical

Expenses incurred in the Mexican Republic or

abroad, subject to the provisions of the

Territory clause.

AMOUNT OF REIMBURSEMENT

The amount of the reimbursement will be

determined as follows:

a) All Medical Expenses covered will be

added.

b) The amounts payable by the Insured for

Deductible and Co‐insurance will be

deducted from the total Medical Expenses

covered.

The deductible will be applied once only for

each accident or illness and the percentage

of the co‐assurance will be applied to

medical expenses covered in excess of the

deductible.




In the event of accident, the first expense

must have been incurred at the time of the

accident and within the ninety calendar days

following the occurrence of same.

PERIOD OF COVERAGE

The reimbursement of the Medical Expenses

covered for each Accident or illness will be

effected until the maximum amount for

reimbursement has been exhausted. For this

Benefit, the coverage will be only abroad,

and for the UNLIMITED benefits the payment

will be only made for the first 90 natural days

of each event, after the first expense is

made.

In the event the policy is not renewed, the

reimbursement of Medical Expenses covered

for each event occurring prior to the date of

cancellation of the policy will be effected for

a maximum period of 365 calendar days,

counted as from the date of the first

payment by the Insured, or until the

maximum amount for reimbursement has

been reached, whatsoever occurs first.








million dollars) as the maximum indemnity


MEDICAL EXPENSES COVERED

The expenses incurred by the Insured for the

following concepts in medical or surgical

treatment will be considered Medical

Expenses covered:

a) The cost of medical fees for surgical

intervention and the fees of the Surgeon´s

assistants.

b) The cost of medicines, application of

substances and studies for diagnosis

essential for the treatment of the Insured,

always providing a medical prescription

exists and the corresponding prescriptions

are attached.

c) The costs for use of the operating theater,

recovery room and Intensive Therapy Unit.

d) The cost of physical therapy, radioactive

(sic) and physiotherapy treatment provided

to the Insured during his/her hospitalization

and prescribed by the treating physician.

e) The cost of orthopedic apparatus and

prosthesis when not replacements.

f) The costs of hospitalization represented by

the use of a standard room, together with

the food consumed by the Insured.

g) The cost for utilization of an ambulance by

land.

h) The cost of a nurse with a maximum limit

of three shifts a day during the

Hospitalization period. Outside the Hospital

the costs of a nurse will be limited to up to

three shifts a day with a maximum of 30

calendar days for each event.

i) The cost for treatment of Lithotripsy, with

a maximum of three sessions.




j) The cost of medical consultations with a

maximum of one per day and specialty,

excepting for post‐operative consultation.

k) The cost for attending to the following

complications of pregnancy and birth:

1.‐ Surgical interventions made due to

extrauterine pregnancies.

2.‐ States of puerperal fever.

3.‐ States of eclampsia and gestational

toxicosis.

4.‐ Mola Hidatiforme (Molar pregnancy).

5.‐ Caesarian section, being limited to the

reimbursement of a maximum of 10 times

the minimum general monthly salary in force

in the Federal District, always providing that

said intervention occurs as the result of a

covered accident and once ten months have

elapsed following the inclusion of the

Insured in the policy.

l) The cost per extra bed for a companion of

the Insured during his/her hospitalization.

In any case the charge for medical expenses

should correspond to usual and customary

costs at the place said services are provided.

EXCEPTIONS

In addition to the exceptions contained in

the general conditions, the following apply

for this coverage:

The company will pay no indemnity for an

accident occurring during the term of this

insurance contract, when said accident is the

result of any of the following events or


conditions described below:

1. Rest cures or general medical

examinations to verify the state of health

known as "check‐ups".

2. Treatments for baldness, obesity, sterility,

or surgical interventions or treatments for

birth control and their complications.

3. Gingival or alveolar dental conditions,

except for those occurring as the result of an

accident.

4. Medical treatment for myopia,

astigmatism or strabismus.

REIMBURSEMENT OF

MEDICAL EXPENSES DUE

ACCIDENT WITH

INTERNATIONAL COVERAGE



the Medical Expenses he/she incurs, as the

result of each Accident or illness occurring

during the term of this coverage.

TERRITORY


Expenses incurred in the Mexican Republic or

abroad, subject to the provisions of the

Territory clause.

The first expense must have taken place at

the time of the accident or within the ninety




calendar days following the occurrence of

same.

PERIOD OF COVERAGE


covered for each Accident will be effected

until the maximum amount for

reimbursement has been exhausted.









been reached, whatsoever occurs first.

For this Benefit, the coverage will be only

abroad, and for the UNLIMITED benefits the

payment or reimbursement will be only

made for the first 90 natural days of each

event, after the first expense is made.





contracted for this coverage. And for the





The maximum amount of the reimbursement

will be determined as follows:


added.




covered.





Expenses covered:

a) The cost of medical fees for surgical

intervention and the fees of the Surgeon´s

assistants.

b) The cost of medicines, application of

substances and studies for diagnosis

essential for the treatment of the Insured,

always providing a medical prescription

exists and the corresponding prescriptions

are attached.

c) The costs for use of the operating theater,

recovery room and Intensive Therapy Unit.

d) The cost of physical therapy, radioactive

(sic) and physiotherapy treatment provided

to the Insured during his/her Hospitalization

and prescribed by the treating Physician.

e) The cost of orthopedic apparatus and

prosthesis when not replacements.

f) The costs of hospitalization represented by

the use of a standard room, together with

the food consumed by the Insured.

g) The cost for utilization of an ambulance by

land.

h) The cost of a nurse with a maximum limit

of three shifts a day during the

Hospitalization period. Outside the Hospital




the costs of a nurse will be limited to up to

three shifts a day with a maximum of 30


i) The cost for treatment of Lithotripsy, with

a maximum of three sessions.

j) The cost of medical consultations with a

maximum of one per day and specialty,

excepting for post‐operative consultation.

k) The cost for attending caesarian section,

being limited to the reimbursement of a

maximum of 10 times the minimum general

monthly salary in force in the Federal

District, always providing that said

intervention occurs as the result of a covered

accident and once ten months have elapsed

following the inclusion of the Insured in the

policy.

l) The cost per extra bed for a companion of

the Insured during his/her Hospitalization.




EXCEPTIONS



for this coverage:















accident.



REIMBURSEMENT OF

MEDICAL EXPENSES



the medical expenses he/she incurs in excess

of the Deductible and the Co‐assurance, as

the result of each Accident or illness

occurring during the term of this coverage.


cover the medical expenses incurred by

reason of a Medical Emergency.

For the effects of this coverage, medical

emergency will be understood to signify that


the Insured.

TERRITORY


Expenses incurred in the Mexican Republic.

AMOUNT OF REIMBURSEMENT

The amount of the reimbursement will be

determined as follows:


added.







covered.

The deductible will be applied once only for

each accident or illness and the percentage

of the co‐assurance will be applied to

medical expenses covered in excess of the

deductible.

In the event of Accident, the first expense

must have been incurred at the time of the

accident and within the ninety calendar days

following the occurrence of same.

PERIOD OF COVERAGE


covered for each Accident or illness will be

effected until the maximum amount for










been reached, whatsoever occurs first. For

this Benefit, the coverage will be only


payment will be only made for the first 90

natural days of each event, after the first

expense is made.














Expenses covered:

a) The cost of medical fees for

surgical intervention and the fees of

the Surgeon´s assistants.

b) The cost of medicines, application

of substances and studies for

diagnosis essential for the treatment

of the Insured, always providing a

medical prescription exists and the

corresponding prescriptions are

attached.

c) The costs for use of the operating

theater, recovery room and Intensive

Therapy Unit.

d) The cost of physical therapy,

radioactive (sic) and physiotherapy

treatment provided to the Insured

during his/her hospitalization and

prescribed by the treating physician.

e) The cost of orthopedic apparatus

and prosthesis when not

replacements.

f) The cost of hospitalization

represented by the use of a standard

room, together with the food

consumed by the Insured.




g) The cost for utilization of an

ambulance by land.

h) The costs of a nurse with a

maximum limit of three shifts a day

during the Hospitalization period.

Outside the Hospital the costs of a

nurse will be limited to up to three

shifts a day with a maximum of 30


i) The cost for treatment of

Lithotripsy, with a maximum of three

sessions.

j) The cost of medical consultations

with a maximum of one per day and

specialty, excepting for post‐

operative consultation.

k) The cost for attending to the

following complications of pregnancy

and birth:

a. Surgical interventions made due to

extrauterine pregnancies.

b. States of puerperal fever.

c. States of eclampsia and gestational

toxicosis.

d. Mola Hidatiforme (Molar

pregnancy).

e. Caesarian section, being limited to

the reimbursement of a maximum of

10 times the minimum general

monthly salary in force in the Federal

District, always providing that said

intervention occurs as the result of a

covered accident and once ten

months have elapsed following the

inclusion of the Insured in the policy.

l) The cost per extra bed for a

companion of the Insured during

his/her hospitalization.




REIMBURSEMENT OF

MEDICAL EXPENSES DUE

ACCIDENT



the Medical Expenses he/she incurs, as the

result of each Accident or illness occurring

during the term of this coverage.

TERRITORY


Expenses incurred in the Mexican Republic.

The first expense must have taken place at

the time of the accident or within the ninety

calendar days following the occurrence of

same

PERIOD OF COVERAGE


covered for each Accident will be effected

until the maximum amount for













been reached, whatsoever occurs first. For

this Benefit, the coverage will be only


payment will be only made for the first 90

natural days of each event, after the first

expense is made.










The maximum amount of the reimbursement

will be determined as follows:


added.




covered.





Expenses covered:

a) The cost of medical fees for

surgical intervention and the fees of

the Surgeon´s assistants.

b) The cost of medicines, application

of substances and studies for

diagnosis essential for the treatment

of the Insured, always providing a

medical prescription exists and the

corresponding prescriptions are

attached.

c) The costs for use of the operating

theater, recovery room and Intensive

Therapy Unit.

d) The cost of physical therapy,

radioactive (sic) and physiotherapy

treatment provided to the Insured

during his/her hospitalization and

prescribed by the treating physician.

e) The cost of orthopedic apparatus

and prosthesis when not

replacements.

f) The cost of Hospitalization

represented by the use of a standard

room, together with the food

consumed by the Insured.

g) The cost for utilization of an

ambulance by land.

h) The costs of a nurse with a

maximum limit of three shifts a day

during the Hospitalization period.

Outside the Hospital the costs of a

nurse will be limited to up to three

shifts a day with a maximum of 30


i) The cost for treatment of

Lithotripsy, with a maximum of three

sessions.




j) The cost of medical consultations

with a maximum of one per day and

specialty, excepting for post‐

operative consultation.

k) The cost for attending caesarian

section, being limited to the

reimbursement of a maximum of 10

times the minimum general monthly

salary in force in the Federal District,

always providing that said

intervention occurs as the result of a

covered accident and once ten

months have elapsed following the

inclusion of the Insured in the policy.

l) The cost per extra bed for a

companion of the Insured during

his/her hospitalization.




EXCEPTIONS



for this coverage:















accident.



REIMBURSEMENT OF

EXPENSES FOR THE

REPATRIATION OF REMAINS


Having as a limit the amount insured (For the





), the Company will reimburse the expenses

described below should the Insured die while

traveling, away from his/her usual city of

residence, during the term of this coverage:

a) The costs of transporting the mortal

remains to the place of residence of the

Insured.

b) The cost of the medical fees, permits and

legal requirements necessary in order to

effect transportation of the remains.

c) Expenses for embalming, coffin and/or

cremation.

INDEMNITY FOR LOSS OF

BAGGAGE





The Company will pay the Insured the

indemnity corresponding to this coverage in

the event the theft or loss occurs of all the

baggage registered with a Carrier at the

commencement of travel.

Baggage confiscation or expropriation by the

order of any government or public authority

will not be considered the loss of same, nor

will the transportation of contraband or

unlawful commerce.

INDEMNITY

Subject to the limitation of the amount

insured for this coverage, indemnity will be

equivalent to the replacement value (the

cost of replacement) of the baggage

registered with the carrier.

Indemnity will take place always providing:

a) The theft or loss of the baggage occurs

during the term of the policy.

b) The Carrier certifies the theft or loss of the

baggage in writing, specifying the number of

suitcases.

MAXIMUM INDEMNITY

The maximum indemnity given by the

Company for all baggage stolen or lost will

not exceed the amount insured, as specified

on the cover page of the policy.

In the event that indemnity has been paid for

baggage delay under this contract, the

amount involved will be deducted from the

indemnity corresponding to this coverage.

EXCEPTIONS

Additionally to the exceptions contained in

the general conditions, the following

exception applies to this coverage:

The Company will pay no indemnities for

risks occurring during the term of the policy

when this is a result of the following events

or circumstances, or in the situations or to

the persons described below:

Either damages or losses occurring to

animals, false teeth or dental bridges,

money, valuables or credit cards, tickets,

documents, any kind of camera, sports

equipment, work materials and instruments,

objects d´art, electronic equipment,

equipment not registered with the Carrier,

equipment confiscated or destroyed by

Customs or government agencies, or any

vehicle and its accessories excepting bicycles

REIMBURSEMENT FOR

BAGGAGE DELAY


The company will reimburse the Insured the

amount he/she has spent in purchasing

necessities essential for spending the night

without his/her baggage, without exceeding

the insured amount indicated on the

coverage page of the policy for this coverage

for each delay of the registered baggage,

should delivery of the registered baggage be

delayed over 24 hours counted as from the

moment the Insured arrives at his/her

destination shown on the corresponding

ticket.

If it is subsequently determined that the

baggage has been lost, any indemnity made

by reason of this coverage will be deducted




from the coverage for loss of the registered

baggage or the payment made to the Insured

by the carrier.

Indemnity will take place always providing:

a) The delay of the registered baggage occurs

during the period of effect of the policy.

b) Travel has been contracted with a carrier

and the latter certifies the delay.

INDEMNITY FOR

INTERRUPTION OF TRAVEL


The Company will pay the indemnity

corresponding to this coverage should the

Travel of the Insured be interrupted as the

result of the Insured, his/her Companion or

any close Relative of the Insured, suffer an

Accident or illness or should the death of any

one of them occur.

For the effects of this coverage, Companion

shall be understood to signify up to two

persons accompanying the Insured on the

Trip who have been duly registered with the

Carrier.

Close Family will be understood to signify the

spouse, children, brothers and sisters and

parents of the Insured.

INDEMNITY

The indemnity will correspond to the non‐

reimbursable amount of the cost effectively

paid by the Insured, corresponding to

unused travel services.

The Company will likewise pay the cost of

the Passage of the Insured to his/her place of

residence and, as applicable, the cost of the

passage for him/her to return to the place

where the Travel was interrupted in order to

continue his/her Trip.

Indemnity will be payable, always

providing:

a) The insurance contact covering this

benefit is in force.

b) Cancellation of the Trip occurs during the

term of the policy.

b) Travel has been contracted with a Carrier.

c) The cost of the Trip is paid and will not be

reimbursed by the Carrier.

c) The corresponding medical or death

certificate is presented to the Company.

MAXIMUM INDEMNITY

The indemnity paid by the Company for each

Travel cancellation will, under no

circumstances, exceed the insured amount


EXCEPTIONS

The exceptions described in the general

conditions apply both to the Insured and

his/her Companions and to the close

Relatives of either of same, in the terms of

the definition shown in this coverage.

INDEMNITY FOR

CANCELLATION OF TRAVEL






corresponding to this coverage should the

Travel of the Insured fail to begin or be

cancelled should the Insured, or a Close

Relative of the Insured, suffer an Accident or

illness, or should the death occur of either.

For the effects of this coverage, Companion

will be understood to signify up to two

persons accompanying the Insured on the

Trip who have been duly registered with the

Carrier.

Close Family will be understood as the

spouse, children, brothers/sisters and

parents of the Insured.

INDEMNITY

The indemnity will correspond to the non‐

reimbursable amount of the cost effectively

paid by the Insured, corresponding to

unused travel services.

Indemnity will be payable, always

providing:

a) The insurance contact covering this

benefit is in force.

b) Cancellation of the Trip occurs during the

term of the policy.

b) Travel has been contracted with a Carrier.

c) The cost of the Trip is paid and will not be

reimbursed by the Carrier.

c) The corresponding medical or death

certificate is presented to the Company.

MAXIMUM INDEMNITY


Travel cancellation will, under no

circumstances, exceed the insured amount


EXCEPTIONS

The exceptions described in the general

conditions apply both to the Insured and

his/her Companions and to the close

Relatives of either of same, in the terms of

the definition shown in this coverage.

REIMBURSEMENT OF

EXPENSES INCURRED DUE TO

TRIP DELAYS



expenses incurred for room and board when

these expenses are the result of a delay

occurring during the course of a travel

itinerary, and when the cost of said room

and board is not covered by the Carrier.

This coverage will have no effect when the

delay in Travel is due to reasons which have

been made public, or of which the Insured

has been advised prior to leaving for the trip.

Reimbursement will take place always

providing:

a) The delay occurs during the term of this

coverage.

b) The delay exceeds 12 continuous hours

and is due to a strike, adverse weather

conditions, hijacking of the vehicle of the

Carrier or a breakdown in the vehicle of the




Carrier, affecting the vehicle or Carrier in

which the Insured is registered to travel.

c) The Carrier certifies in writing the reasons

for the delay and its duration.

PERIOD OF THE COVERAGE

For each delay the company will reimburse

the expenses incurred by the Insured for a

maximum period of 3 days.

MAXIMUM AMOUNT OF THE

REIMBURSEMENT

The reimbursement made by the company

for each delay will not exceed the insured

amount contracted for this coverage.

INDEMNITY FOR HOTEL THEFT



corresponding to this cover in the case that

the belongings of the Insured are stolen from

a hotel or motel room, in which he/she has

registered to stay at least one night.

INDEMNITY

The indemnity will correspond to the

replacement value of the stolen objects, or

to their depreciated value in the case that no

replacement value reference exists.

The indemnity will be paid as long as:

a) The theft occurs during the validity of this

cover.

b) Indications of a forced entry to the room

where the theft took place exist.

c) The Insured makes the corresponding

report to the authorities of the jurisdiction

within 24 hours following the moment at

which he/she gains knowledge of the

occurrence of the theft, submitting a list of

the stolen objects.

DEDUCTION OF INDEMNITY

In the case that the hotel or other insurance

companies have paid indemnity to the

Insured in virtue of the theft, the amount of

such payments will be deducted from the

indemnity under this cover.

MAXIMUM INDEMNITY


hotel theft will not exceed the insured sum

contracted for this cover under any

circumstance.

LACK OF COVER

Damages or losses occurred to animal, false

teeth or dental bridges, money, securities or

credit cards, tickets, documents, any type of

camera, sports equipment, work materials

and instruments, works or objects of art,

electronic equipment, baggage not

registered with any Carrier, baggage

confiscated or destroyed by customs or

government agencies, any vehicle and its

accessories, except for bicycles, are not

covered.

PERSONAL LIABILITY ON JOURNEYS

A. This policy covers up to the limit of the

insured sum, for those amounts that the

Insured is legally bound to repair for

damages, in virtue of physical injury or death

of third parties or damages to third party




property caused by his/her own acts or

omissions that are not fraudulent, during a

covered Journey that takes place during the

validity of this insurance.

B. Additionally, the Company will pay the

defense costs incurred by the Insured with

the written consent of the Company, derived

from any claim and/or proceeding filed

against the Insured directly derived from the

civil liability in which he/she incurs in

accordance with the foregoing paragraph.

The payment of the defense costs of the

Insured includes, and is limited to the

following:

a) The payment of the amount of the

premiums for judicial bonds that the

Insured should grant to guarantee

the payment of the sums claimed as

civil liability covered by this

insurance policy. Consequently, the

obligations that the Company

assumes under this policy will not be

considered to include the premiums

for bonds that should be granted as a

guaranty so that the Insured can be

released on provisional or

conditional bail during a criminal

process.

b) The payment of the legal

expenses, costs and interest that

should be paid by the Insured in

virtue of the enforced final court or

arbitral judgment or decision.

c) The payment of the expenses

incurred by the Insured in virtue of

the processing and settlement of

claims.

Insured Sum Limit

The limit of the insured sum contracted for

this cover is an added limit for all the losses

occurred during the validity of this policy, in

virtue of which each indemnity paid out by

the Company will reduce the insured sum

contracted for this civil liability cover and

indemnities will be paid until the amount

established as a limit has been exhausted.

The Insured should not accept any liability,

offering, offer, promise or payment of any

kind without the prior written consent of the

Company.

If the Company deems it necessary, it will

assume and conduct the defense or the

presentation of any claim and/or proceeding

filed against the Insured with the aim of

appearing on behalf thereof in such

proceeding.

The Insured will cooperate with the

Company in his/her defense or in the follow‐

up of any claim and/or proceeding, providing

the Company with any information and

documents he/she possesses for his/her

defense to the Company in a timely fashion.

Exclusions

It is understood and agreed that this policy

under no circumstance covers or refers to:

1. Foreign liabilities, in which the Insured, by

agreement or contract, is bound to

substitute the original obligor, to repair or

indemnify eventual and future damages to

third party property or persons.

2. Liabilities and/or damages caused to third

parties by the products manufactured,




delivered or supplied by the Insured or due

to the work carried out thereby.

3. Liabilities and/or damages caused by

pollution or other prejudicial variations in

waters, the atmosphere, soil, subsoil or due

to noise.

4. Liabilities and/or damages caused to third

party property that:

a) Is in possession of the Insured by deposit,

custody or by decision of the authority.

b) Is in possession of the Insured under lease,

sublease or gratuitous loan.

c) Have been caused by the normal activities

of the Insured in such property due to

manufacturing, handling, processing, repair,

examination and other similar activities.

Nor will liability be covered if the cases

mentioned in points a), b) and c) above occur

in the person of an employee or agent of the

Insured, in the performance of his or her

work.

5. Liability and/or damages caused by a

nuclear reaction or radioactive

contamination.

6. Liability and/or damages caused in virtue

of works, constructions, extensions or

demolitions.

7. Liability as a consequence of the loss of

property or theft.

8. Liability derived from the use, ownership

or possession of vessels, aircraft and

motorized land vehicles.

9. Liability derived from damages caused

fraudulently or with complicity and/or the

participation of the Insured or his/her

representatives or employees.

10. Liability derived from damages suffered

by his/her spouse, parents, children,

brothers, sisters, parents‐in‐law, brothers or

sisters‐in‐law or other relatives of the

Insured, who permanently live with him/her.

11. Liability and/or damages caused by: a)

Inconsistency, sinking or subsidence of the

soil or subsoil. b) Absence or insufficiency of

consolidation works to prevent the loss of

the necessary support to the soil or subsoil of

neighboring properties.

12. Liability imputable to the Insured,

according to the Federal Labor Act, the Social

Security Act, any complementary provision of

such Acts and labor laws, regulations and

standards, including any damages to

employees, dependents, agents or

representatives of the Insured.

13. Civil liability for the actions or omissions

inherent to the practicing of the profession

or trade of the Insured.

14. Serious fault or inexcusable negligence of

the victim.

15. Claims and/or damages caused by acts of

god or force majeure, fights, brawls,

malicious acts, people’s uprisings, strikes,

bomb threats and/or dangers and/or similar.

16. Warranty of the products commercialized

by the Insured, including genetic damages to

persons or animals.




17. Any liability resulting from the

manufacture, extraction, use, sale,

installation, removal, distribution of or

exposure to products that contain asbestos,

asbestos fiber or asbestos powder.

18. Losses, damages, destruction, distortion,

erasure, corruption or alteration of

electronic information caused by a computer

virus or the failure of an external network or

the loss of use, reduction in functionality,

costs or expenses of any kind derived from

them, without taking into account any other

contributing or concurrent cause or event, or

in any sequence of the loss.

19. Any claim resulting from Acquired

Immune Deficiency Syndrome (AIDS) or any

condition related to AIDS, or a sexually‐

transmitted disease suffered by the Insured.

20. Fines, penalties and damages.

21. Bodily Injuries or Damages to property

derived from:

(1) Being under the effects of

alcohol.

(2) The fact that the Insured has

caused or contributed to the

intoxication of the person who

directly causes the damage.

(3) The fact that the Insured has

supplied alcoholic beverages; or

(4) The contravention of any legal

provision related to the sale,

donation, distribution or use of

alcoholic beverages. This exclusion

only applies if the activity of the

Insured is the manufacture,

distribution or sale of alcoholic

beverages or this is his/her job or

he/she provides services to a

company with the aforementioned

line of business.

22. The obligation of the Insured under labor

laws, including disability benefits. Liability of

the Insured as employer. Bodily Injury to an

Employee of the Insured.

23. Bodily Injury or Damages to property

derived from:

(1) The transportation of mobile

equipment using an automobile

belonging to, or operated or rented

by or loaned to any Insured; or

(2) The use of mobile equipment for

any speed race, demolition or

dubbing activity.

HOTEL EXPENSES FOR

CONVALESCENCE


If during the stay in the place (or places) of

destination of the Journey, as a consequence

of an Accident or by prescription of a

Physician, the Insured has to prolong his/her

stay away from his/her place of residence,

the Company will refund the hotel expenses

for prolonging his/her stay and to continue

with the medical care at the place where

his/her journey was interrupted to the

Insured (according to the contracted daily

amount and period indicated on the front of

the policy).




The limit of the insured sum for the

indemnity provided in this cover will be the

maximum amount indicated on the front of

the policy.

If the Insured has contracted a policy

covering any illness along with this insurance

of which this benefit forms part, this benefit

extends to cover the hotel expenses for

convalescence for the covered illness, in the

same terms as indicated above.

TRANSFER OF INSURED

MINORS


In the case that any Insured suffers an

Accident during his/her Journey, away from

his/her place of residence and is traveling

with minors (up to 15 years of age), who are

also Insured with this same cover, the

Company will refund the expenses generated

by the return of the minors to their habitual

address or to take them to the place where

the affected Insured has had to be

transferred or hospitalization, to the Insured

for up to the maximum amount indicated on

the front of the policy.

If the Insured has contracted a policy

covering any illness along with this insurance

of which the benefit forms part, this benefit

is extended to cover the transfer of the

Insured minor (in the same terms as

indicated above), as long as such transfer is

required in virtue of the covered illness.

TRANSFER OF A COMPANION

OF THE INSURED


In the case that the Insured suffers an

Accident during his/her journey, away from

his/her place of residence, the Company will

refund the return travel expenses of one

companion to the place where the Insured

has been hospitalized, in the means of

transport that is the most suitable for the

transfer and within the maximum limit

indicated on the front of the policy.

If the Insured has contracted a policy that

covers any illness along with this insurance of

which this benefit forms part, this benefit is

extended to cover the transfer of one

companion of the Insured (in the same terms

as indicated above).

LODGINGS OF ONE

COMPANION OF THE INSURED


In the case that the Insured suffers an

Accident during his/her journey, away from

his/her place of residence, requiring medical

care or hospitalization, the Company will

refund the cost of lodgings for one

companion, according to the number of days

specified on the front of the policy and in

accordance with the contracted amount,

with the maximum daily sum also indicated

on the front of the policy.




extended to cover the cost of lodgings of one

companion of the Insured, in the same terms

as indicated above.




COMPANY EXECUTIVE

TRANSPORTATION IN CASE OF

EMERGENCY


When the Journey of the Insured is for

reason of business and he/she suffers an

Accident that prevents him/her from

continuing with his/her work agenda, the

Company will refund –up to the maximum

amount indicated on the front of the policy‐

the amount of the round trip, in the means

of transport that is most suitable for the

transfer, of another executive from the same

company for which the Insured works, so

that such business trip may be completed by

the alternate.




extended to cover the transfer of the

alternate of the Insured, in the same terms

as indicated above.

COMPANY EXECUTIVE

LODGINGS IN CASE OF

EMERGENCY


When the Journey of the Insured is for

reason of business and he/she suffers an

Accident that prevents him/her from

continuing with his/her work agenda, the

Company will refund, according to the

number of days specified on the front of the

policy and in accordance with the contracted

amount, with a maximum daily sum also

indicated on the front of the policy, the

amount of his/her cost of lodgings in the

hotel at the place where the Accident has

occurred.




extended to cover the lodgings (in the hotel)

of the Insured, in the same terms as

indicated above.