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Section C: Introduction

Definitions for the benefits described in this guide

Accident: means a sudden, unexpected, uncontrollable and unexpected physical event that happens to the beneficiary during an eligible trip.

Airline company: company listed in the Official Airline Guide (oag ) or in the abc World Airways Guide and that has a license, certificate or similar authorization for the regular air transportation issued by the competent authorities of the country in which the aircraft is registered and, in accordance with such authorization, maintains and publishes flight schedules and service fees to passengers for flights between airports at regular and specific schedules.

Beneficiary: the cardholder, his/her spouse and children considered economically dependent.

Cardholder: individual who holds an active and eligible Visa card, issued in his/ her name in Latin America and the Caribbean Region, as holder or additional holder.

Chronic illness: means any condition, medical encounter or incident that either (i) exists over time and is unresolved or recurrent; or (ii) is thought to be resolved or cured; or (iii) is known to the patient; or (iv) for which a condition has been diagnosed, treated or required a change of medication or dosage; and, which occurred at any time prior to an eligible trip and has been clinically documented by a licensed physician. Chronic illness includes any relapse or periods of convalescence.

Examples of chronic illnesses include, but are not limited to, heart attacks with a history of hypertension or high cholesterol or diabetes; bowel obstructions with a history of previous abdominal surgeries, such as ruptured appendix; acute bronchitis or pneumonia in a patient with chronic bronchitis or COPD; Stroke in a patient with a history of atrial fibrillation; stroke in a patient with a history of hypertension, high cholesterol or diabetes; brain or other internal bleeding in a patient being treated with anti-coagulants; Fractures involving an old fracture site or prosthesis; osteopenia or osteoporosis; COPD; Asthma; Kidney stones in a patient with a history of kidney stones; colitis; gout; diverticulitis in a patient with a history of diverticulosis or diverticulitis; sciatica; cardiac stroke; peripheral vascular disease in a patient with a history of atherosclerosis; arthritis; gallstones; severe infections in patients with impaired immune conditions or on immunosuppressive drugs; Recurrence of any cancer including in remission; Deep vein thrombosis or pulmonary embolism in a patient with a condition known to predispose to thromboembolism, such as cancer, recent major surgery, lower extremity or hip fracture.

Claim form: document to be supplied by customer service, upon notification of an incident or request for benefit, which must be completed and returned together with all required documents within the deadlines for each of the
benefits presented.

Consequence(s) or related consequence: means any complication(s) or effect(s) related to a pre-existing condition or chronic illness on that may have any contribution to the medical emergency.

Convalescence: means when a beneficiary is hospitalized up to 5 (five) days and must remain, under medical advice in a hotel (outside of their country of residence) before medically released from his/her licensed physician).

Country of card issuance: means the country in Latin America and the Caribbean Region where a beneficiary had his/her eligible Visa card issued by a financial institution.

Country of residence: means the country in which the beneficiary keeps his/her effective, fixed and permanent home and main place of residence and to which the beneficiary intends to return.

Customer service: communication channel and available facilities (equipment, systems and staff ) whose purpose is to provide an interface between Visa and customers. Customer service can be accessed through the following telephone
Numbers: 1-800-396 9665 (USA and Canada) and 1-303-967-1098 (other countries) and can always be made by collect call.

Economic dependents: cardholder’s unmarried children who are under 23 years of age and who both: (a) reside with the cardholder or are under his/her responsibility; and (b) are financially supported by the cardholder. This definition includes the cardholder’s stepchildren.

Elderly dependent: cardholder’s parent(s) who is at least 70 years of age and who is financially supported by the cardholder.

Eligible trip: means an itinerary, outside of the beneficiary’s country of residence and country of card issuance, which is international and which satisfies one of the following characteristics:
• Full amount of the international ticket were paid to a transportation company with an eligible Visa card; or
• The international tickets were purchased by redeeming points from a loyalty program, provided that the boarding fee and possible taxes due have been paid with an eligible Visa card; or
• If no boarding fee or taxes are levied, the tickets were purchased by redeeming points obtained through utilization of a valid Visa rewards program.

In addition, the benefits provided in this terms and conditions are only valid for an eligible trip for up to sixty (60) consecutive days from the departure date of country of residence or country of card issuance of such eligible trip.

Eligible Visa card: For the IEMS benefit the following cards are eligible: Visa Platinum, Signature or Infinite card issued by a financial institution in Latin America and the Caribbean Region; any other Visa card where a financial institution in Latin America and the Caribbean Region has purchased the IEMS benefit.

IEMS: International Emergency Medical Services.

Latin America and the Caribbean Region: means the region comprised of the following countries: Antigua, Argentina, Aruba, Bahamas, Barbados, Bermuda, Bolivia, Brazil, Belize, Cayman Islands, Chile, Colombia, Costa Rica, Curacao,
Dominican Republic, Ecuador, El Salvador, Guatemala, Guyana, Haiti, Honduras, Jamaica, Mexico, Nicaragua, Panama, Paraguay, Peru, Puerto Rico, St. Kitts-Nevis, St. Lucia, Trinidad and Tobago, Uruguay and Venezuela.

Licensed physician: means a professional with a degree in medicine or doctor of osteopathy qualified to provide medical services or perform surgeries in accordance with the laws of the country where these professional services
are performed. This definition excludes chiropractors, physical therapists and homeopathic and naturopathic therapists.

Means of transportation: any means of transport operated by a transportation company under a valid license for paid transportation of passengers, including:
• Air: aircraft operated by an airline company, duly authorized by the competent authorities to operate regular scheduled flights; and
• Land and sea: all those included in this definition, with the exclusion of
(i) Rental vehicles, except those that have been rented by a transportation company for paid transportation of passengers;
(ii) Taxis,
(iii) Car rental companies’ transfers, hotels or parking outside the boundaries of the airport.

Medical emergency: a sudden, unforeseen and urgent medical condition that requires immediate medical services or treatment or surgical treatment to relieve acute pain and suffering during an eligible trip and which may prevent the eligible trip’s completion, for which the beneficiary seeks treatment and for which eligible medical services are paid for in accordance with the terms and conditions of these benefits.

Pre-existing condition: means any condition or other medical encounter or incident that is known to the patient and that has been clinically documented, diagnosed or treated by a licensed physician or a condition which required a change of medication or dosage within 180 days prior to the commencement of an eligible trip.

Rewards program: means a program developed/offered by an any Visa card and its issuing bank from Latin America and the Caribbean Region allowing the cardholder to obtain value (mileage points, cash, etc.) and redeem rewards (goods, trips, etc.) under an any Visa rewards program or any frequent traveler’s rewards program or additional tickets on which all taxes and fees have been charged at the time of issuance of a ticket paid with any Visa card.

Spouse: person related to the cardholder by marriage or common-law marriage, under the applicable local laws in the cardholder’s country of residence or country of card issuance.

Transportation Company: company that operates a means of transportation, including an airline company.

Usual, reasonable and customary charges: means that the benefit to the beneficiary will include medical emergency treatments, supplies and services that are medically necessary, provided that they do not exceed the typical or standard
Charges for similar medical emergency treatments, supplies or services in the community or the locality where the medical emergency treatment is provided.


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