PERSONAL ACCIDENT COVERAGE PART

1. DEFINITIONS

Certain words and phrases are defined for this coverage part only as follows:

1. “Ambulance Expense” means the expense actually incurred for necessary Ambulance Service.
2. “Ambulance Service” means professional ambulance service transportation to or from a Hospital.
3. “Dismemberment” means loss of hand, foot or sight. Loss of hand or foot means complete severance through or above the wrist or ankle joint. Loss of sight means the total, permanent loss of sight of one eye. Severance means the complete separation and dismemberment of the part from the body.
4. “Injury” means bodily injury caused by an accident occurring during the Policy Period and resulting directly and independently of all other causes in death or bodily injury.
5. “Insured” means a Passenger or Renter.
6. “Physician” means a qualified medical or osteopathic physician or surgeon legally licensed to practice medicine.
7. “Hospital” means an institution operated pursuant to law for the care and treatment of sick and injured persons with:
1. 24-hour nursing service by a Registered Nurse; and
2. Organized facilities for diagnosis, X-ray and major surgery.
8. “Registered Nurse” means a graduate registered nurse (R.N.) other than a nurse who:
1. Ordinarily resides in the home of the insured;
2. Is a spouse, parent, brother, sister or child of the insured; or
3. Is a parent, brother, sister or child of the Insured’s spouse.


2. COVERAGES
1. Renter’s Accidental Death & Dismemberment Benefit: We will pay the sum shown in the Benefits Schedule if the Renter sustains injury during the Policy Period which results in death or dismemberment within 365 days of the date of the accident causing the injury.
2. Passenger’s Accidental Death & Dismemberment Benefit: We will pay the sum shown in the Benefits Schedule as “Passenger-Death or Dismemberment Benefits” if a Passenger sustains injury which results in death or Dismemberment within 365 days of the accident causing injury.
3. Renter’s Accidental Medical and Ambulance Expense Benefit: If a Renter sustains injury which does not result in death, but within 90 days of the accident date and on a Physician’s recommendation, requires:
   1. Hospital Confinement;
   2. Physician treatment;
   3. Ambulance Services; and/or
   4. Services of a Registered Nurse.
   
   We will pay the reasonable and customary charges actually made for such confinement, treatment and services.
   
   The most We will pay for Ambulance Expense is the amount shown in the Benefits Schedule as “Renter- Ambulance Expense”. The most We will pay for expenses under this Coverage II.C other than Ambulance Expense is the amount shown in the Benefits Schedule as “Renter-Medical Expense”.
4. Passenger’s Accidental Medical and Ambulance Expense Benefit: If a Passenger sustains injury which does not result in death, but within 90 days of the accident date and on a Physician’s recommendation requires:
   1. Hospital confinement;
   2. Physician treatment;
   3. Ambulance Service; and/or
   4. Services of a Registered Nurse
   
   We will pay the reasonable and customary charges actually made for such confinement, treatment and services.
   
   The most We will pay for Ambulance Expense is the amount shown in the Benefits Schedule as “Passenger-Ambulance Expenses”. The most We will pay for expenses under this Coverage II.D, other than Ambulance Expense is the amount shown in the Benefits Schedule as “Passenger-Medical Expense”.


3. EXCLUSIONS

This coverage part does not apply to injury caused wholly or partly, directly or indirectly, by:

1. Suicide, attempted suicide or intentionally self- inflicted injury;
2. Committing or attempting to commit a felony;
3. Aircraft travel;
4. Engagement in an illegal occupation.



This insurance does not apply to the extent that trade or economic sanctions or regulations prohibit Us from providing insurance, including, but not limited to, the payment of claims.

4. AGGREGATE LIMIT OF LIABILITY

Insurance effective at any one time on the Insured under a like policy or policies in Us is limited to the one such policy elected by the Insured, the beneficiary of his estate, as the case may be, and We will return all premiums paid for all other such policies.

5. CLAIMS
1. Notice of Claim: Written notice of claim must be sent to Us at our administrative office or to Our agent within 20 days of the accident resulting in injury to an Insured. If notice cannot be given within that time, notice must be given as soon as reasonably possible but no more than 1 year after the accident date or the date loss commences. The notice must include the name of the Insured and beneficiary, if any. Notice must also include the policy number.
2. Claim Forms: When We receive the notice of claim. We will send forms for filing proof of loss. If these forms are not furnished within 15 days, the claimant will meet the proof of loss within the time limit stated in Section V.C. of this coverage part.
3. Proof of Loss: Written proof of loss must be filed with Us within 90 days after the date of such loss. If it was not reasonably possible to give written proof in the time required, We will not reduce or deny the claim for this reason if the proof is filed as soon as reasonably possible. In all cases, except legal incapacity, the proof required must be filed no later than 1 year from the 90-day period stated above.
4. Time of Payment Claim: After We receive written proof of loss, We will immediately pay the benefits for which this coverage part provides payments.
5. Payment of Claims; Change of Beneficiary: We will pay all benefits to the Insured. Any benefits unpaid at the death of the Insured will be paid to The Insured’s beneficiary; if no beneficiary is designated, benefits will be paid to the Insured’s estate. The right to change of beneficiary or beneficiaries shall not requisite to surrender or assignment of this Policy or to any change of beneficiary or beneficiaries, or to any other changes in this Policy. If the Insured directs, and unless the Insured later requests otherwise in writing no later than the time of filing proof of loss, We may, at Our sole option, pay all or a portion of benefits payable under this coverage part directly to the Hospital, Physician, Ambulance Service or Registered Nurse rendering such services. Service need not be rendered by a particular Hospital or person.
6. Physical Examinations: At Our expense, We have the right to:
1. Have any insured examined as often as reasonably necessary while a claim is pending; and
2. Perform an autopsy in case of death where it is not forbidden by law.


6. OTHER CONDITIONS
1. Legal Action: No legal action may be brought to recover on this coverage part until 60 days after written proof of loss has been given as required by this coverage part. No such action may be brought after 3 years from the time written proof of loss is required to be given.
2. Non-Participating: This coverage part is non- participating; it does not share in Our profits or surplus.
3. Misstatement of Age: If the age of the Renter has been misstated, the benefits under this coverage part will be the same.
4. THIS COVERAGE PART DOES NOT APPLY IF THE RENTER CONVERTS THE RENTAL VEHICLE FROM THE LESSOR. THE RENTER WILL BE DEEMED TO HAVE CONVERTED THE RENTAL VEHICLE FROM THE LESSOR WHEN THE RENTAL VEHICLE IS NOT RETURNED TO THE LESSOR BY THE RETURN DATE SHOWN IN THE RENTAL AGREEMENT.

PERSONAL EFFECTS COVERAGE PART

1. DEFINITIONS

Certain words and phrases are defined for this coverage part only as follows:

1. “Deductible” means the amount shown in the Benefits Schedule.
2. “Insured” means the Renter and any member of the Renter’s immediate family who permanently resides in the renter’s household.
3. “Personal Effects” means the personal effects owned by and for the personal use, adornment or amusement of a person. Personal Effects do not include:
1. Animals, Automobiles;
2. Automobile robes and automobile equipment;
3. Motorcycles, boats, motors or other conveyances or their appurtenances;
4. Household furniture;
5. Contact lenses, artificial teeth or limbs;
6. Currency, coins, deeds, bullion, stamps;
7. Securities, tickets, documents; or
8. Perishables.


2. PERILS INSURED AGAINST

We will pay for all loss or damage to the Personal Effects of the Insured while the Insured is using the Rental vehicle during any journey during the Policy Period where the Insured is:

1. In transit; or
2. In any hotel or other building en route.



We will not pay for loss or damage excluded under Section III – Exclusions – of this coverage part.

3. EXCLUSIONS

We will not pay for loss or damage:

1. Caused by:
1. Wear and tear;
2. Gradual deterioration;
3. Moths, vermin, inherent vice; or
4. Damage sustained due to any process or while actually being worked on and resulting therefrom.
2. Caused by or resulting from:
1. Hostile or warlike action in time of peace or war, including action in hindering, combating or defending against an actual, impending or expected attack by:
1. Any government or foreign power (de jure or de facto);
2. Any authority maintaining or using military, naval or air forces;
3. Military, naval or air forces; or
4. An agent of any such government power, authority or forces;
2. Any war weapon employing atomic fission or radioactive force whether in time of peace or war;
3. Insurrection, rebellion, revolution, civil war, usurped power, or action taken by governmental authority in hindering, combating or defending against such an occurrence;
4. Seizure or destruction under quarantine or custom regulations;
5. Confiscation by order by any government or public authority; or
6. Risks of contraband or illegal transportation or trade;
3. By nuclear reaction or nuclear radiation or radioactive contamination, all whether:
1. Controlled or uncontrolled; or
2. Such loss be direct or indirect, proximate or remote, or be in whole or in part caused by, contributed to, or aggravated by the peril(s) insured against by this coverage part;
4. To property while in the care, custody or contract of a common carrier;
5. Due to unexplained or mysterious disappearance; or
6. Due to theft unless reported to police or competent authority.



This coverage part does not apply if the Renter is in violation of the Rental Agreement.

4. LIMIT OF INSURANCE

The Limit per Insured shown in the Benefits Schedule is the most We will pay under this coverage part for each Insured. The Aggregate per Policy Period shown in the Benefits Schedule is the most We will pay under this coverage part for all loss or damage during the Policy Period. No claim arising out of one accident will be payable by Us under more than one of Our policies. Other limits on the insurance provided by this coverage part are found in Section VI.C of this coverage part.

5. CONDITIONS
1. Insured’s Duties After Loss: In case of loss or damage payable under this coverage part, the Insured must see that the following are done:
1. Give prompt notice to Us or Our agent;
2. Notify the police, hotel proprietors and other responsible parties, where applicable or appropriate to Your loss;
1. Protect the property from further damage;
2. Make reasonable and necessary repairs to protect the property; and
3. Keep an accurate record of repair expenses.


3. As often as We reasonable require:
1. Show the damaged property; and
2. Provide Us with records and documents We request and permit Us to make copies; and
3. Submit to questions under oath and sign and swear to then as allowed by law;


4. Send to Us, within 30 days after Our request, a signed, sworn proof of loss to the best of the Insured’s knowledge.



Failure to comply with these conditions will invalidate any claim under this coverage part.

2. Settlement of Loss: We will adjust all losses with the Insured. The Insured must present evidence substantiating the loss. We will then pay the loss. If a claim is made for lost property and the lost property is not recovered, We will adjust and pay the loss if:
1. A period of reasonable time passes; and
2. The Insured presents evidence substantiating the loss and value of the property lost.


3. Valuation: We will pay no more than the lesser of:
1. The limit of Insurance in Section IV of this coverage part; or
2. The actual cash value, less the Deductible of the property at the time loss or damage occurs.



The amount of loss or damage will:

1. Be determined or estimated according to actual cash value, however caused; and
2. Not exceed what it would then cost to repair or replace the same with material of like kind or quality.


4. Suit: No action can be brought unless the provisions of this coverage part have been complied with and the action is started within 2 years and 1 day after the date of loss.
5. No Benefit to Bailee: This insurance should in no manner insure directly or indirectly to the benefit of any carrier or bailee.
6. Waiver of Rights of Recovery Against Others to Us: If any Insured to or for whom We make payment under this coverage part has rights to recover damages from another person or organization who either caused or was responsible for the loss, those rights are transferred to Us to the extent of Our payment. That Insured must do everything necessary to secure our rights and must do nothing after loss to impair them.

EMERGENCY SICKNESS EXPENSE POLICY

1. DEFINITIONS

Certain words and phrases are defined for this Policy only as follows:

1. “Covered Expenses means expenses actually incurred by or on behalf of an Insured for treatment, services and supplies covered by the Policy. Coverage under the Policy must remain continuously in force from the date of the Sickness until the date treatment, services or supplies are received for them to be a Covered Expense. A Covered Expense is deemed to be incurred on the date such treatment, service or supply, that gave rise to the expense or the charge, was rendered or obtained.
2. “Deductible” means the dollar amount of Covered Expenses that must be incurred as an out-of-pocket expense by each Insured per Sickness before Emergency Sickness Expense Benefits are payable under the Policy.
3. “Emergency Sickness” means a Sickness that manifests itself by symptoms of sufficient severity that a prudent layperson possessing an average knowledge of health and medicine would reasonably expect that failure to receive immediate medical attention would place the health of the person in serious jeopardy.
4. “Insured” means a Passenger or Renter.
5. “Hospital” means an institution operated pursuant to law for the care and treatment of sick and injured persons with: 1) 24-hour nursing service by a Registered Nurse; and 2) organized facilities for diagnosis, X-ray and major surgery.
6. “Medically Necessary” means a treatment, service or supply that is: 1) required to treat a Sickness; 2) prescribed or ordered by a Physician or furnished by a Hospital; 3) performed in the least costly setting required by the Insured’s condition; and 4) consistent with the medical and surgical practices prevailing in the area for treatment of the condition at the time rendered. Purchasing or renting: 1) air conditioners; 2) air purifiers; 3) motorized transportation equipment; 4) escalators or elevators in private homes; 5) eye glass frames or lenses; 6) hearing aids; 7) swimming pools or supplies for them; and 8) general exercise equipment are not medically Necessary. A service or supply may not be Medically Necessary if a less intensive or more appropriate diagnostic or treatment alternative could have been used.
7. “Physician” means a qualified medical or osteopathic physician or surgeon legally licensed to practice medicine.
8. “Pre-existing Conditions” means an illness, disease or other condition of the Insured, that in the 12-month period before the Insured’s coverage became effective under the Policy: 1) first manifested itself, worsened, became acute or exhibited symptoms that would have caused a person to seek diagnosis, care or treatment; or 2) required taking prescribed drugs or medicines unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or 3) was treated by a Physician or treatment has been recommended by a Physician.
9. “Usual and Customary Charge” means the average amount charged by most providers for treatment, service or supplies in the geographic area where the treatment, service or supply is provided.


2. COVERAGE

We will pay the sum shown in the Benefit Schedule for Covered Expenses that result directly, and from no other cause, from an Emergency Sickness, This benefit are subject to the Deductible, Maximum Benefit Period and benefit maximums shown in the Benefit Schedule. Emergency Sickness Expense Benefits are only payable: 1) for Usual and Customary charges incurred after the Deductible has been met; 2) for those Medically Necessary Covered Expenses that the Insured received; and 3) for charges incurred during the Rental Period.

No benefits will be paid for any expenses incurred that are in excess of Usual and Customary Charges.

Covered Expenses

1. Hospital Room and Board Expenses: The daily room rate when an Insured is Hospital confined and general nursing care is provided and charged by the Hospital. In computing the number of days payable under this benefit, the date of admission will be counted, but not the date of discharge.
2. Ancillary Hospital Expenses: services and supplies including operating room, laboratory tests, anesthesia and medicines (excluding take home drugs) when Hospital confined. This does not include personal services of a non-medical nature.
3. Daily Intensive Care Unit Expenses: the daily room rate when an Insured is Hospital confined in a bed in the Intensive Care Unit and nursing services other than private duty nursing services.
4. Medical Emergency Care (room and supplies) expenses: Including the attending Doctor’s charges, X-rays, laboratory procedures, use of the emergency room and supplies.
5. Outpatient surgical Room and Supply Expenses for use of the surgical facility.
6. Doctor Non-Surgical Treatment/Examination Expenses (excluding medicines) including the doctor’s initial visit, each Medically Necessary follow- up visit and consultation visit when referred by the attending Doctor.
7. Doctor’s Surgical Expenses: If a Sickness requires multiple surgical procedures, We will pay as shown in the Benefit Schedule for the most expensive procedure and 50% of Usual and Customary charges for the additional surgeries.
8. Anesthesiologist Expenses: For pre-operative screening and administration of anesthesia during a surgical procedure whether on an inpatient or outpatient basis.
9. Outpatient Laboratory Test Expenses.
10. X-ray Expenses (including reading charges), but not dental X-rays.
11. Ambulance Expenses for group transportation to and from a Hospital.
12. Dental Expenses including dental x-rays (Sickness only): Including, but not limited to, emergency alleviation of pain.



Roadside Assistance Benefit

We will pay benefits up to the Maximum Amount shown in the Schedule of Benefits if an Insured, as the result of a Medical Emergency requires roadside assistance. We will pay up to the maximum amount shown in the Schedule of Benefits for the Covered Expenses incurred for the return of an Insured’s unattended Rental Vehicle to the rental agency if he or she suffers a Medical Emergency and dies, requires a Medically Necessary Emergency Medical Evacuation or Repatriation of remains, while traveling outside of his or her Home Country.

Covered Expenses includes 1) fuel & oil for the vehicle; 2) driver wages; and 3) tolls en route.

Benefits will not be payable for: 1) any repair due to mechanical breakdown of the vehicle en route, or 2) the costs for food or accommodation during the trip. This benefit is payable to an Insured only once per Rental Period.

3. EXCLUSIONS

We will not pay Emergency Sickness Expense Benefits for any treatment or services for Sickness that is caused by, or results from:

1. Sickness where the Insured’s trip is undertaken for treatment or advice for a Sickness.
2. Pre-existing Conditions.
3. Treatment of hernia, Osgood-Schlatter’s Disease, osteochondritis, appendicitis, weakness, detached retina, mental disorder or psychological or psychiatric care or treatment whether or not caused by a Sickness
4. Pregnancy, except complications of pregnancy.
5. Mental and nervous disorders.
6. Cosmetic surgery, except for reconstructive surgery needed as the result of a Sickness.
7. Any treatment, services or supplies received by the Insured that are incurred or received while he or she is in his or her home country.
8. Routine dental care and treatment.
9. Sexually transmitted diseases or immune deficiency disorders and related conditions. This exclusion does not apply to the care or treatments of Acquired Immune Deficiency Syndrome (AIDS), AIDS related complex (ARC) or Human Immunodeficiency virus (HIV) infection, or any illness or disease arising from these medical conditions.
10. Expenses for eyeglasses, contact lenses or hearing aids.



This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit Us from providing insurance, including, but not limited to, the payment of claims.

4. CLAIMS
1. Notice of Claim: Written notice of claim must be sent to US at our administrative office or to our agent within 20 days of the loss to an Insured. If notice cannot be given within that time, notice must be given as soon as reasonably possible but no more than 1 year after the date the loss commences. The notice must include the name of the Insured and beneficiary, if any. Notice must also include the policy number.
2. Claim Forms: When We receive the notice of claim. We will send forms for filing proof of loss. If these forms are not furnished within 15 days, the claimant will meet the proof of loss within the time limit stated in Section V.C. of this Policy.
3. Proof of Loss: Written proof of loss must be filed with Us within 90 days after the date of such loss. If it was not reasonably possible to give written proof in the time required, We will not reduce or deny the claim for this reason if the proof is filed as soon as reasonably possible. In all cases, except legal incapacity, the proof required must be filed no later than 1 year from the 90-day period stated above.
4. Time of Payment Claim: After We receive written proof of loss, We will immediately pay the benefits for which this Policy provides payments.
5. Payment of Claims; Change of Beneficiary: We will pay all benefits to the Insured. Any benefits unpaid at the death of the Insured will be paid to the Insured’s beneficiary; if no beneficiary is designated, benefits will be paid to the Insured’s estate. The right to change of beneficiary or beneficiaries shall not requisite to surrender or assignment of this Policy or to any change of beneficiary or beneficiaries, or to any other changes in this Policy. If the Insured directs, and unless the Insured later requests otherwise in writing no later than the time of filing proof of loss, We may pay all or a portion of benefits payable under this Policy directly to the provider rendering the services. Service need not be rendered by a particular Hospital or person.
6. Physical Examinations: At Our expense, We have the right to: 1) have any Insured examined as often as reasonably necessary while a claim is pending; and 2) perform an autopsy in case of death where it is not forbidden by law.


5. OTHER CONDITIONS
1. Legal Action: No legal action may be brought to recover on this Policy until 60 days after written proof of loss has been given as required by this Policy. No such action may be brought after 3 years from the time written proof of loss is required to be given.
2. Non-Participating: This Policy is non-participating; it does not share in Our profits or surplus.
3. Misstatement of Age: If the age of the Renter has been misstated, the benefits under this Policy will be the same.
4. THIS POLICY DOES NOT APPLY IF THE RENTER CONVERTS THE RENTAL VEHICLE FROM THE LESSOR. THE RENTER WILL BE DEEMED TO HAVE CONVERTED THE RENTAL VEHICLE FROM THE LESSOR WHEN THE RENTAL VEHICLE IS NOT RETURNED TO THE LESSOR BY THE RETURN DATE SHOWN IN THE RENTAL AGREEMENT.

THIS IS YOUR POLICY.
PLEASE READ YOUR POLICY CAREFULLY.

PLEASE KEEP IT IN A SAFE PLACE.