MasterAssist Plus | Mastercard Platinum Debit Card

MasterAssist Plus reimburses medical expenses, hotel convalescence, emergency family travel costs, and more. The trip must be paid in full with the Mastercard® Platinum Debit card. Medical expenses apply only internationally.

Restrictions and exclusions apply. For more information, please refer to the terms and conditions.

Who is covered: Cardholder, spouse, domestic partner, and dependent children covered up to 60 consecutive days.

Medical expenses: Up to US$ 25,000. Other benefits available at different limits.

Restrictions and exclusions apply. For more information, please refer to the terms and conditions.

Description of Coverage

Important information. Please read and save.

The information contained herein is provided solely for general informational purposes. It does not intend to be a complete description of all terms, conditions, limitations, exclusions, or other provisions of any program or insurance benefits provided by, or for, or issued to Mastercard.

To file a claim or for more information on any of these services, please call the specific Mastercard Global Service™ toll-free number for your country, or call direct, or collect to the United States at: 1-636-722–8883 (English); 1-636-722-8882 (Español); 1-636-722-8881(Português).

“Card” refers to Mastercard® Platinum Debit card

“Cardholder”, “you”, and “your” refer to a Mastercard® Platinum Debit Cardholder, who has an eligible Mastercard® Platinum Debit Account and whose name is embossed on the surface of the Mastercard® Platinum Debit card.

Selection of benefits on your Mastercard card may vary by card issuer. Please refer to your issuing financial institution for more details.

Mastercard® Platinum Debit Cardholders can benefit from the safety and security offered by our comprehensive travel medical program. Some of the benefits that are provided are Medical Expenses, Emergency Medical Evacuation, Repatriation of Mortal Remains, Return of Dependent and Elderly, VIP Transportation Services and Emergency Family Travel among other benefits.

Who is Covered:

Mastercard® Platinum Debit Cardholders, their Spouse/Domestic Partner and Dependent Children, whether traveling together or separately.

To Get Coverage:

Coverage is provided when the entire cost of the Common Carrier Conveyance passenger fare has been charged to your eligible Mastercard® Platinum Debit card and/or has been acquired with points earned by an eligible Rewards Program associated with your Mastercard® Platinum Debit card (i.e. mileage points for travel). In order to be eligible for coverage cardholder must pay all associated taxes, shipping & handling fees and any other required fees to your eligible Mastercard® Platinum Debit card and/or with reward points associated to your Mastercard® Platinum Debit card.

Key Features:

- Trips are covered for travel worldwide.

- Coverage is provided for Injury or Sickness, even if it is not an emergency.

- Trips are covered up to a maximum of thirty-one (31) consecutive days.

- Medical Expense coverage up to a maximum benefit amount of USD $25,000 per Insured Person.

- No limitation on the number of trips.

- Coverage is provided for both, one-way or round trip travel.

- Schengen Coverage: When an Insured Person travels to any country that has signed and implemented the 1985 Schengen Aquis (Agreement) on a Covered Trip, the Medical Expense benefit maximum will be automatically increased to up to 30,000 Euros, in those countries

- Covered losses caused by or resulting from Acts of Terrorism are not excluded.

- Please note that this coverage of MasterAssist Plus does NOT apply for the purpose of obtaining medical advice or treatment

- Cashless Services: Payments for all covered Medical Expenses, Repatriation of Remains, Comfort Return Ticket to Home Country, Emergency Family Travel Costs, Return of Dependent Children/Elderly, and Emergency Medical Evacuations can be completed on a “Cashless” basis if Mastercard is notified at the point of service, which means Mastercard can contact the Hospital or clinic directly and process payment without the need for any disbursement from the cardholder.

For questions or to contact MasterAssist Plus to arrange for Cashless Services please refer to the Mastercard Global Service section in this guide.

Coverage	Maximum Benefit Amount:
Medical Expenses (Injury or Sickness) - Cardholder, Spouse/domestic partner & Dependent Children	Up to USD^† 25,000
Inpatient Hospital Cash Benefit	USD^† 200 per Day up to 30 days
Emergency Medical Evacuation/Repatriation	Up to USD^† 50,000
Comfort Return Ticket to Home Country:	Up to USD^† 7,500 for any-Class Airfare
Hotel Convalescence	Up to USD^† 150 per Day for up to 5 Days
Emergency Family Travel Costs	Up to USD^† 7,500 for roundtrip coach airfare & USD^†150 per Day for up to 5 Days
Return of Dependent Children/Elderly	Up to USD^† 10,000
VIP Transportation Expenses	Up to USD^† 2,000
Repatriation of Remains	Up to USD^† 25,000

Medical Expenses *: If an Insured Person suffers an Injury or Illness and needs medical attention while outside of his/her Home Country, benefits are provided for Covered Medical Expenses (a-g and which are not excluded).

This coverage provides a maximum benefit up to USD^† 25,000 per Insured Person.

Covered Medical Expenses include:

a) Charges made by a Hospital for room and board, floor nursing and other services, including charges for professional services, except personal services of a non-medical nature, provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodation;

b) Charges made for diagnosis, treatment and surgery by a Physician;

c) Charges made for the cost and administration of anesthetics;

d) Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs and medical treatment;

e) Dressings, drugs, medicines, and therapeutic services and supplies that can only be obtained upon a written prescription of a Physician or surgeon;

f) Charges made for ground ambulance services;

g) Dental treatment resulting from injuries sustained to sound, natural teeth subject to a maximum of USD^† 100 per tooth.

* The charges for services enumerated above shall not include any amount of such charges that are in excess of regular and customary charges or excluded.

What is Not Covered by “Medical Expenses” (Exclusions):

In addition to the MasterAssist Plus General Exclusions, “Medical Expense” benefits are not payable for any loss, fatal or non-fatal, which are caused by or resulting from:

1. A Pre-existing Condition, as defined herein;

2. Services, supplies or treatment, including any period of hospital confinement, which was not recommended, approved and certified as necessary and reasonable by a Physician;

3. Routine physical (including well-child care), laboratory diagnostic, x-ray examinations or other examinations, where there are no objective indications or impairment in normal health;

4. Cosmetic or plastic surgery, except as the result of an accident;

5. Dental care, except as the result of injury to sound, natural teeth caused by accident;

6. Eyeglasses, contact lenses, hearing aids, and examination for the prescription or fitting thereof, unless injury or sickness has caused impairment of vision or hearing;

7. Expenses incurred in connection with weak, strained, or flat feet, corns, calluses, or toenails;

8. The diagnosis and treatment of acne;

9. A connection with a deviated septum, including sub mucous resection and/or other surgical correction thereof;

10. Organ transplants;

11. Any mental, nervous or emotional disorders or rest cures;

12. Pregnancy: sickness or injury related to pregnancy will not be covered if the sickness or injury occurs within 3 months (three months before / three months after) of the expected (or actual) delivery date.

13. The Company and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose The Company and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation.

Inpatient Hospital Cash Benefit: If an Insured Person is hospitalized as an Inpatient, due to Injury or Illness while outside his/her Home Country, a benefit of USD^† 200 per day will be provided for each day an Insured Person is hospitalized up to a maximum confinement period of 30 days, subject to one (1) day deductible. The Hospital confinement must be recommended by a Physician.

“Inpatient” means an Insured Person who is confined to a Hospital, under the recommendation of a Physician, and for whom a room and board charge is made.

Emergency Medical Evacuation/Repatriation: This coverage will provide benefits for covered expenses incurred 100 (160 kilometers) or more miles away from an Insured Person’s residence or outside of the Home Country if any Injury or Sickness commencing during the course of a Covered Trip results in the necessary Emergency Medical Evacuation of the Insured Person.

An Emergency Medical Evacuation means (a) a legally licensed Physician certifies that the severity the Insured Person's medical condition warrants immediate transportation from the place where the Insured Person is injured or sick to the nearest hospital where appropriate medical treatment can be obtained; or (b) after being treated at a local hospital, the Insured Person's medical condition warrants transportation to his/her then current place of residence to obtain further medical treatment or to recover; or (c) both (a) and (b) above. The condition and expenses must be incurred 100 (160 kilometers) or more miles away from his or her home residence or outside his or her Home Country.

This coverage provides a maximum benefit up to USD^† 50,000 per Insured Person.

We will work to arrange any medical assistance and Emergency Evacuation services. Decisions regarding urgency of the case, the best timing and the most suitable means of transportation will be made in consultation with the local attending Physician and the patient’s receiving Physician.

For questions or to contact MasterAssist Plus to arrange for Emergency Medical Evacuation please call the specific Mastercard Global Service™ toll-free number for your country, or call direct, or collect, to the United States at: 1-636-722–8883(English); 1-636-722-8882(Español); 1-636-722-8881(Português).

Coverage Conditions/Limitations:

- Expenses for special transportation must be: (a) recommended by the attending Physician or (b) required by the standard regulations of the conveyance transporting the Insured Person. Special transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles.

- Covered expenses include expenses incurred for transportation, medical services and medical supplies incurred in connection with Emergency Evacuation of the Insured Person.

- Expenses for medical supplies and services must be recommended by the attending Physician, or required by the standard regulations of the conveyance transporting the Insured Person.

- All transportation arrangements made for evacuating the Insured Person must be by the most direct and economical route.

Comfort Class Return to Home Country: If an Insured Person is hospitalized outside of his/her Home Country for more than 24 hours, benefits can be provided to pay for the cost of airfare to return the Insured Person, Spouse or Domestic Partner or Traveling Companion to his/her Home Country or any destination deemed necessary to accompany the Insured Person during an Emergency Medical Evacuation. .

- This coverage provides a maximum benefit up to USD^† 7,500 per Insured Person for the cost of any-class airfare (one-way or roundtrip) or whatever class seating is available.

- This coverage excludes any benefits paid under Emergency Medical Evacuation/Repatriation.

Hotel Convalescence Costs: If an Insured Person is Hospitalized for more than three (3) days and must remain, under medical advice in a hotel (outside of their Home Country before medically released) while outside of his/her Home Country, benefits are provided starting immediately after being discharged from the Hospital for additional convalescence.

This coverage provides benefits up to USD^† 150 per day for up to five (5) days maximum.

Emergency Family Travel Costs: If an Insured Person is traveling alone and is hospitalized for more than three (3) days while outside of his/her Home Country, benefits can be provided to bring one (1) immediate family member or friend chosen by the Insured Person to and from the Insured Person's bedside. The benefits are available to pay for the cost of airfare and hotel daily room charges incurred up to a maximum of five (5) days.

This coverage provides benefits up to USD^† 150 for hotel/lodging daily room charges for a maximum of five (5) days; and an additional benefit up to USD^† 7,500 for the cost of round-trip coach airfare to bring one immediate family member or friend chosen by the Insured Person to and from his/her bedside.

Return of Dependent Children/Elderly: If an Insured Person is hospitalized for more than three (3) days, while on a Covered Trip and he/she is 100 or more miles (160 kilometers) from the home residence or while outside of his/her Home Country, benefits can be provided to a) bring an otherwise unaccompanied minor Child(ren) or Elderly Traveling Companion home; and/or b) costs to bring and return an escort to accompany dependent minor Children or elderly Traveling Companion to return home.

- This coverage provides a maximum benefit up to USD† 10,000 for incurred expenses.

- Benefits are not provided for any expenses provided by another party at no cost to the Insured Person or already included in the cost of the trip.

- The maximum benefit is up to USD† 10,000. This is the maximum amount payable independently of the number of the eligible Dependent Child(ren) or Elderly in the same Covered Trip.

VIP Transportation Expenses: If an Insured Person is hospitalized while outside of his/her Home Country, benefits are provided to reimburse expenses for the costs of limousine, taxi or other car services provided to the Insured Person, Spouse or Domestic Partner and/or Dependent Children for:

a) Travel between the hospital and hotel; and/or

b) Travel between hotel and airport to return the Insured Person to their Home Country, upon release from the Hospital.

This coverage provides benefits up to USD^† 2,000 maximum per incident.

Repatriation of Remains: If the Insured Person suffers a loss of life while 100 or more miles (160 kilometers) away from his or her home residence or outside his or her Home Country, benefits are provided for reasonable expenses to preserve and return the body home.

Covered expenses include, but are not limited to, expenses for (a) embalming, (b) cremation, (c) coffins and (d) transportation (including in the Home Country for return to a place, as directed by the beneficiary of the Insured Person).

This coverage provides a maximum benefit up to USD^† 25,000 per Insured Person.

For questions or to contact MasterAssist Plus to arrange for Repatriation of Remains please call please call the specific Mastercard Global Service™ toll-free number for your country, or call direct, or collect to the United States at: 1-636-722–8883(English);1-636-722-8882(Español);1-636-722-8881(Português).

What is NOT Covered by MasterAssist Plus (General Exclusions):

This plan of insurance does not cover any loss, fatal or non-fatal, which are caused by or resulting from:

1. Suicide or any attempt thereat by the Insured Person while sane or self-destruction or any attempt thereat by the Insured Person while insane;
2. Loss caused directly or indirectly, wholly or partly by medical or surgical treatment except as may be necessary solely as a result of Injury;
3. Service in the military, naval or air service of any country;
4. The use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; or the dispersal, release or application of pathogenic or poisonous biological or chemical materials;
5. Being under the influence of, or any connection with drugs or intoxicants, unless taken under the advice of and as prescribed by a Physician; and/or drug abuse, addiction or overdose;
6. Participation in an actual felony;
7. Participation in any professional, semi-professional, or interscholastic team sports;
8. Participation in contests of speed using a motorized vehicle;
9. Participation in skydiving/parachuting, hang gliding, bungee jumping, mountain climbing (this does not include regular recreational hiking or similar activity), pot-holing;
10. Traveling against the advice of a Physician.
11. The Company and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose The Company and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation.

Key Terms and Definitions:

Accident: means a sudden, unforeseen, uncontrollable and unexpected physical event to the Insured Person caused by external, violent and visible means occurring during a Covered Trip.

Account: means an International Use Mastercard® Platinum Debit card account that is open and in Good Standing (not cancelled, suspended or delinquent) at the time of Purchase of the Common Carrier Conveyance ticket.

The Company: means a Member Company of AIG Insurance Company underwriting the Insurance coverage, and/or corresponding Reinsurer, if applicable.

Cardholder: means a person who has an eligible Account and whose name is on the surface (embossed or other) of an eligible Mastercard® Platinum Debit card provided by an Issuer in the issuing territory.

Common Carrier Conveyance: means any land, water or air conveyance operated under a valid and in Good Standing license for the transportation of passengers for hire for which a ticket has been obtained.

Covered Trip: means a trip where (a) the Insured Person’s full fare for a Common Carrier Conveyance has been charged to an eligible Account or (b) purchased with an eligible card that received mileage points, and other similar discounts from Reward Programs for travel issued by Mastercard or a Mastercard International Issuer, or (c) both point (a) and (b) of this definition and by an Insured Person on behalf of another Insured Person. Additionally, if the above definition has been met and a change in airfare and/or change in flight and/or a class upgrade occurs, which was made with another means of payment or Rewards Program, it will also be considered a Covered Trip; however the maximum sum insured benefit amount will be based on the eligible class for the original passenger fare purchase and this will be the only benefit amount applicable.

Such Covered Trip shall be deemed to have commenced when the Insured Person begins travel when the Common Carrier Conveyance is scheduled for departure and continues until such time as the Insured Person completes travel, or up to the maximum scope of coverage where applicable.

Dependent Child(ren): means named dependent children, including adopted, step and foster children of the cardholder, aged between birth and 18 years, or 25 years if attending as a full time student an accredited institution of higher learning, who are unmarried and who permanently reside and receive the majority of maintenance and support from the Insured Person. Children who are wholly dependent on the Insured Person for support and maintenance due to permanent physical or mental disability will be considered dependents of the Insured Person, if the Insured Person is eligible for benefits.

To verify eligibility for the physically or mentally disabled dependent child(ren), the Cardholder may be requested to provide medical records for the physically or mentally disabled dependent child(ren).

Dependents: means the Cardholder’s Spouse, Domestic Partner and Dependent Children.

Domestic Partner: means an opposite or a same sex partner who has met all of the following requirements for at least 12 months: (1) resides with the Insured Person at Insured Person's principal residence; (2) shares financial assets and obligations with the Insured Person; (3) is not related by blood to the Insured Person to a degree of closeness that would prohibit a legal marriage; (4) is at least the age of consent in the state in which they reside; and (5) neither the Insured Person or Domestic Partner is married to anyone else, nor has any other Domestic Partner.

Elderly: means an adult, man or woman, over 65 years of age.

Good Standing: means an Account that is current in its dues and payments and follows all other requirements from the Issuer.

Home Country: means the country where an Insured Person has his/her true, fixed and permanent home and principal establishment, and to which whenever he/she has the intention of returning, which must be the same as the Issuing Territory of the Mastercard® Platinum Debit card. For the purpose of MasterAssist Plus, travel from one US territory or province or island to another US territory, province or island is considered a travel outside of the Home Country.

Hospital: means a place that: (a) holds a valid license (if required by law); (b) operates primarily for the care and treatment of Sick or injured persons; (c) has a staff of one or more Physicians available at all times; (d) provides 24-hour nursing service and has at least one registered professional nurse on duty at all times; (e) has organized diagnostic and surgical facilities, either on premises or in facilities available to the Hospital or a pre-arranged basis; and (f) is not, except incidentally, a clinic, nursing home, rest home, or convalescent home for the aged, or a facility operated as a drug and/or alcohol treatment center.

Injury: means a bodily injury caused solely and directly by violent, accidental, external and visible means resulting directly and independently of all other causes occurring during a Covered Trip while this policy is in effect.

Inpatient: means an Insured Person who is confined to a Hospital, under the recommendation of a Physician, and for whom a room and board charge is made.

Insured Person(s): means a Mastercard® Platinum Debit cardholder or other eligible person(s) who are defined as being eligible under each program’s “Who is Covered” provision in this guide.

Issuer: means a bank, financial institution (or like entity) or Corporation and/or Government Institution (CGI) that is admitted or and/or authorized by Mastercard to operate a Mastercard card program in the Issuing Territory.

Issuing Territories: means all the Caribbean (except Puerto Rico and USVI).

Mastercard: means Mastercard International (or Mastercard Worldwide), a corporation organized under the laws of the State of Delaware, USA, with a principal place of business at 2000 Purchase Street, Purchase, NY 10577.

Pre-existing Condition: for an Injury, means a condition for which medical care, treatment, or advice was recommended by or received from a Physician or which was first manifested or contracted prior to the commencement of a Covered Trip. For a Sickness, means a condition occurring during the ninety (90) day period prior to the commencement of a Covered Trip for which treatment by a licensed Physician has been sought or advised or for which symptoms exist that would cause a prudent person to seek diagnosis, care or treatment. A medical condition will not be considered a Pre-existing Condition if it is controlled (not exhibiting symptoms or requiring an adjustment of treatment or medication) throughout the ninety (90) day period by the taking of prescription drugs or medications and travel restrictions are not advised by a licensed Physician.

Physician: means a doctor of medicine or a doctor of osteopathy legally licensed to practice, render medical services or perform surgery in accordance with the laws of the country where such professional services are performed, however, such definition will exclude chiropractors, physiotherapists, homeopaths and naturopaths.

Policy: means a contract of insurance and any attached endorsements or riders issued to Mastercard.

Regular and Customary: for purposes of MasterAssist Plus means the charge for services and supplies for which the charge is made if it is not in excess of the average charge for such services and supplies in the locality where received, considering the nature and severity of the Sickness or Injury in connection with which such services and supplies are received.

Rewards Program: means a program developed/offered by Mastercard and Issuer, allowing cardholders to earn value (mileage points, cash, etc.) and redeem rewards (merchandise, travel, etc.) on an eligible Mastercard card. An eligible Rewards Program must be a consequence of “plastic”/card transactions associated with Mastercard, regardless of the value earned (mileage points, cash, etc.). Rewards Programs where points are not generated by “plastic”/card transactions, or not associated with Mastercard at all, are not considered eligible Rewards Programs. For a Cardholder to be eligible for coverage, he/she must pay all associated taxes, shipping and handling fees and any other required fees with his/her eligible Mastercard card or eligible Mastercard reward points.

Serious Injury or Sickness: means one which requires treatment by a legally qualified medical practitioner and which results in the Insured Person being certified by the practitioner as unfit to travel or continue with his/her original journey.

Sickness: means illness or disease of any kind contracted and/or commencing during a Covered Trip.

Spouse: means the husband or wife or domestic partner of the Cardholder as legislated and/or regulated by the local law and who is living at the same residence as the Cardholder in the Cardholder’s Home Country.

Terrorist Act: means the use or threatened use of force or violence against person or property, or commission of an act dangerous to human life or property, or commission of an act that interferes with or disrupts an electronic or communication system, undertaken by any person or group, whether or not acting on behalf of or in any connection with any organization, government, power, authority or military force, when the effect is to intimidate, coerce or harm a government, the civilian population or any segment thereof, or to disrupt any segment of the economy. Terrorism shall also include any act which is verified or recognized as an act of terrorism by the government where the event occurs.

Traveling Companion: means the person(s) traveling with the eligible Cardholder on the same schedule

War: means any declared or undeclared war or any warlike activities, including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends.

Disclaimer: The information contained herein is provided solely for general informational purposes. It does not intend to be a complete description of all terms, conditions, limitations, exclusions, or other provisions of any program or insurance benefits provided by, or for, or issued to Mastercard.

How to File a Claim

In the event of a claim, the following procedures should be followed:

1) You (Cardholder) or the beneficiary or someone legally acting on behalf of either, must notify us as required in the Claim Notification Period, or your claim may be denied - Upon receipt of a notice of claim, the Plan Administrator, Claims Administrator or Insurance Company, will furnish to a claimant the necessary Claim Form(s);

2) Complete the Claim Form(s) in its entirety signed and dated;

3) Submit all Required Information (proof of loss), as outlined in this section no later than the Submission Period.

For assistance with filing a claim, please call the specific Mastercard Global Service™ toll-free number for your country, or call direct, or collect, to the United States at: 1-636-722–8883 (English); 1-636-722-8882 (Español); 1-636-722-8881 (Português).

Claim Notification Period: Within ninety (90) days from the date of loss.

Submission Period: No later than one hundred eighty (180) days from the date of Claim Notification.

Required Information (proof of loss):

a) Documentation detailing the nature of injury or sickness with a breakdown of expenses, including certified copies of: medical evidence reports, attending Physician statements, medical receipts and related documentation;

b) Transaction verification confirming the full passenger fare for the Covered Trip had been charged to the eligible Mastercard® Platinum Debit card, including copies of Common Carrier Conveyance ticket(s) and receipts;

c) Cardholder's statement of Account showing it is eligible at the time of Purchase of the Common Carrier Conveyance ticket.

MasterAssist Plus offers “Cashless Service” for Medical Expenses. For questions or to obtain assistance please call the specific Mastercard Global Service™ toll-free number for your country, or call direct, or collect, to the United States at: 1-636-722–8883 (English); 1-636-722-8882 (Español); 1-636-722-8881 (Português).

Please note there may be additional information requested at times in order to process your claim. It is your responsibility to provide this information in order to process the claim.

Submit all required information as outlined above by either:

1. Upload: www.mycardbenefits.com

2. Email: mcresponse@ufac-claims.com

3. Fax: 1-216-617-2910

4. Mail: Mastercard Benefits Assistance Center

c/o Program Administrator at Sedgwick Claims Management Services, Inc.

PO Box 89405

Cleveland, OH, 44101-6405

For questions about your claim call our toll-free number 1-800-MCASSIST.

Payment of Claims:

Where allowable by law, Benefit for loss of life is payable to the beneficiary designated by the Insured Person. If there has been no such designation, then payment of claim will be to the Insured Person’s first surviving beneficiary as follows:

a. Spouse or Domestic Partner;

b. Children, in equal shares;

c. Parents, in equal shares;

d. Brothers and sisters, in equal shares; or

e. Executor or administrator

Subject to the applicable terms and conditions, all other benefits will be paid to the Insured Person or other appropriate party where necessary. Payment of any indemnity shall be subject to the laws and governmental regulations then in effect in the country of payment.

† Indemnity or reimbursement payments will be made in national currency and in a single installment, using the exchange rate indicated in the credit card statement, presented by the cardholder, as proof of expenses or purchase, if applicable. Otherwise, the exchange rate will be applied as disclosed by the Central Bank or corresponding entity, on the date the Insured made the payment to the service provider or made his/her purchases in cash.

General Provisions and Disclaimers

General: These benefits and services are effective for eligible Mastercard® cardholders effective October 1, 2021. This document supersedes any guide or program communication you may have received earlier. The information contained herein is provided solely for general informational purposes. This document is not a Policy, contract, warranty or promise of insurance or other benefit. It does not intend to be a complete description of all terms, conditions and exclusions of the policies or other benefits, all of which are subject to change by Mastercard or the underwriters or other service providers at any time and without prior notice. Provision of services is subject to availability and applicable legal restrictions. Insurance coverage is underwritten by approved Member Companies of AIG Insurance Company, and/or corresponding Reinsurer, if applicable. Complete provisions pertaining to these plans of insurance are contained in the Master Policy(ies) on file with the Plan Administrator, Affinity Insurance Services, Inc., on behalf of Mastercard Worldwide, Latin America and Caribbean Region in Purchase, New York, USA. If there are any discrepancies between this document and the Master Policy(ies) or the applicable Mastercard contract for other benefits, the Master Policy(ies) or the applicable Mastercard contract for other benefits shall govern. The Insurance Company has the final authority to determine the outcome of an insurance claim.

Cancellation: Mastercard can cancel these benefits at any time or choose not to renew insurance coverage for all Cardholders. Insurance coverage or benefits provided by these programs may cease on the date indicated in the Master Policy in existence between Mastercard International and the Insurance Company; or will be terminated on the date your Mastercard card terminates or ceases to be a Valid Account, whichever occurs first. If a benefit/program is cancelled, cardholders will be notified in advance, as soon as reasonably practical. The effective time for any Cancellation referenced in this section shall be 12:01 a.m., Eastern Standard Time. Any claim for benefits from MasterAssist Plus, that occurs prior to the effective date of cancellation shall not be prejudiced by the cancellation or non-renewal, subject to the terms and conditions of the Master Policy(ies).

Valid Account: (1) Your Mastercard card account must be open, valid and in Good Standing for any benefits, coverage or services to apply; and (2) Benefits will not be paid and coverage will not apply if; on the date of an accident, occurrence or incident that causes or results in a loss covered under any plan of insurance, your Mastercard card account is not open, valid, in good standing; or is in delinquency, collection, or cancellation status.

Cardholder Duties After a Loss (Due Diligence): You must use all reasonable means to avoid future loss at and after the time of loss and provide full compliance with the duties that are described. This includes full cooperation with the Insurance Company, Plan Administrator(s) and Third-Party Claims Administrator who act on behalf of Mastercard for programs or other services offered as benefits to a cardholder; with investigating, evaluating and settling a claim.

Concealment, Fraud or Misrepresentation: Insurance coverage/benefits or services described herein, will be void, whether before or after a loss or request for services are made, if you willfully concealed or misrepresented any material fact or circumstance concerning or provided fraudulent information concerning the plans of insurance or other services described herein to: Mastercard International, the Insurance Company, financial institution issuing the card Account, or any other company performing services and/or administration on behalf of these programs.

Legal Actions: No legal action may be brought to recover on a Policy until sixty (60) days after the Insurance Company has been given written proof of loss. No such action may be brought after three (3) years from the time written proof of loss is required to be given.

Conformity with local statutes: Any provision of a Policy, which; on its effective date, is in conflict with the statutes of the country in which the policy was delivered or issued for delivery is hereby amended to conform to the minimum requirement of such statutes.

Sanctions: The Company and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose The Company and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation.

Arbitration: Any dispute regarding the terms of any Master Policy(ies) of insurance, including any question regarding its existence, validity or termination will be referred to and resolved by arbitration and in accordance with the arbitration rules/regulations of the country where your Mastercard card account has been issued.

Confidentiality and Security: We may disclose all information we collect, as described above, to companies that perform administrative services on our behalf solely in connection with insurance coverage you have received. We restrict access to personal information to our employees, our affiliates' employees, or others who need to know that information to service the account or in the course of conducting our normal business operations. We maintain physical, electronic, and procedural safeguards to protect personal information.