B1715F33119023
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International SOS shall mean International SOS Assistance (UK) Ltd, Building 4, Chiswick Park, 566 Chiswick
High Road, London, W4 5YE, United Kingdom.
International SOS Physician shall mean the physicians nominated by the International SOS assistance
centres throughout the world.
Journey shall mean the first 90 days of any trip commencing within the Period of Insurance, where at least
50% of the total value of tickets for travel on a Domestic Common Carrier or Common Carrier have been paid
by using such Cardholder’s
Corporate/Executive
Card issued by the client. The Journey shall be deemed to
have begun with the Cardholder's departure from the home where such Cardholder normally resides and shall
have ended upon return to that home.
Loss of Limb shall mean permanent loss by physical separation of a hand at or above the wrist or of a foot at
or above the ankle and includes permanent total and irrecoverable loss of use of hand, arm, foot or leg.
Medical Expenses shall mean all reasonable costs necessarily incurred outside the Cardholder's Principal
Country of Residence for hospital, surgical or other diagnostic or remedial treatment given or prescribed by a
qualified medical practitioner.
Money shall mean coins, bank notes, postal and Money orders, signed travellers and other cheques, letters of
credit, travel tickets, credit cards, petrol coupons and other coupons.
Party shall mean a party to this contract of insurance.
Permanent Total Disablement
Where the Cardholder is gainfully employed
Shall mean disablement which medical evidence confirms, will prevent the Cardholder from engaging in any
gainful occupation for at least 12 (twelve) months and will in all probability entirely prevent the Cardholder
from engaging in any gainful occupation whatsoever for the remainder of his/her life.
Where the Cardholder is not gainfully employed
Shall mean disablement which lasts for 12 (twelve) months and which medical evidence confirms will in all
probability entirely prevent the Cardholder from engaging in any and every occupation whatsoever for the
remainder of his/her life.
Period of Insurance shall mean the period between the Effective Date and the Expiry Date.
Policyholder shall mean Bank of America Europe DAC.
Pre-existing Health Disorder or Condition shall mean any Illness, defect, physical infirmity or condition,
including sequela or complications thereof that in the opinion of a qualified medical practitioner appointed by
International SOS can reasonably be related thereto or for which the Cardholder is receiving or has received
medical treatment, advice or investigation prior to the Journey or for which the Cardholder is receiving or has
received medical treatment, advice or investigation from a doctor, dentist, chiropractor, physiotherapist or
naturopath prior to the Journey. This includes chronic or ongoing medical or dental conditions which You were
aware of, or of which You could expect to be aware of that may lead to a claim under this Certificate.
Principal Country of Residence shall mean that country in which the Cardholders has his/her principal place
of residence. Immediate Family assumes the nationality of the Cardholder for the purposes of this insurance.
In the event of dual nationality, the Cardholder assumes the nationality of their Principal Country of
Residence for the purposes and for the duration of this insurance.
Relative shall mean spouse or common law partner, mother, mother-in-law, father, father-in-law, daughter,
daughter-in-law, son, son-in-law, (including legally adopted daughter or son), brother, brother-in-law, sister,
sister-in-law, grandfather, grandmother, grandson, granddaughter or fiancé(e) of a Cardholder.
Sedgwick shall mean Sedgwick Travel Claims Services, P.O. Box 1086, Belfast, BT1 9ES, United Kingdom
Serious Medical Condition shall mean a condition, which in the opinion of an International SOS Physician
requires emergency medical treatment to avoid death or serious impairment to the Cardholder’s health. In
determining whether such a condition exists, the International SOS Physician may consider the Cardholder’s
geographical location, the nature of the medical emergency and the local availability of appropriate medical care
or facilities.
Services shall mean the 24-hour assistance and other related emergency services to be provided by
International SOS as described in section 6 of this Certificate.
Spouse shall mean either the Cardholder’s legal wife/husband or, if the Cardholder is not married, the
Cardholder’s common law partner who has cohabited with the Cardholder at the same address for a
continuous period of at least 1(one) year prior to the Journey.