Mastercard CPS-GTB-07 Bedienungsanleitung PDF herunterladen

• Experimental/investigative services, or telephone consultations.

• Medical or dental expenses payable under any existing group health or accident insurance or

for any expenses incurred after your return to your city of residence.

• War or hostilities of any kind (for example, invasion, rebellion, insurrection, riot, or civil

commotion); confiscation or damage caused by any government, public authority or customs

official; risks of contraband; illegal activity or acts and military duty.

• Air travel, except as a passenger on a licensed aircraft operated by an airline or air charter company.

• Non-emergency services, supplies, or charges.

• Injury, illness, or loss due to normal pregnancy or childbirth, professional athletics or training,

participation in any athletic events that require payment of any entry fee, including training for

such event(s); mountain climbing, motor competition, intentionally self-inflicting harm.

Additional information:

• All medical transportation must be approved by both the attending doctor and the Assistance

Center staff. All other travel benefits must be approved in advance by the Center. All travel will

be scheduled, economy class, if original ticket(s) cannot be used. MasterAssist must be given

the return ticket(s), or must be reimbursed the value of unused ticket(s). Expenses without prior

approval of the Center will not be reimbursed. The maximum amount paid for travel and

repatriation costs, beside shipment of remains, is USD $10,000 on any single covered trip.

• By making a request for assistance, or a claim for health or dental benefits, you assign to AXA

Assistance the rights to receive benefits and/or reimbursement payable under other health or

dental insurance for covered services performed or paid for by AXA Assistance.

How to file a claim:

1. Call 1-800-MC-ASSIST to obtain a claim form. Report the claim within 60 days of the

completion of the care you receive, or we will not be able to honor your claim.

2. Complete and send the claim form with all documentation to the MasterCard Assistance Center.

Reminder: Please refer to the Final Legal Disclosure section.

*If a cardholder’s mailing address is in the State of New York, mileage requirement is not applicable.

3. LEGAL ASSISTANCE

The Beneficiary is entitled to obtain the following services:

Legal Referrals

MasterAssist provides referrals to lawyers or other legal service providers including the provider’s

name, address, telephone number, office hours, specialty and language resources. Whenever

there is sufficient information to do so, we shall refer you to two or more legal professionals so

that the Beneficiary may have the benefit of choosing. MasterAssist uses reasonable efforts to

ensure that its referrals are to legal service providers who meet the reasonable professional

standards of the country or city where the traveler is located. MasterAssist will also follow up

with the Beneficiary in each case to ensure that the service rendered was satisfactory.

Legal Assistance—Up to USD $1,000

If you are jailed (or threatened to be) following a road traffic accident, MasterAssist can appoint

and advance the fees of a lawyer. It is expressly understood and agreed upon that all costs are the

sole responsibility of the cardholder, and can be charged to the

cardholder’s account, subject to authorization by the Card Issuer.

Advance payment for bail bond—Up to USD $5,000

If you are jailed (or threatened to be) following a road traffic

accident, MasterAssist shall advance the bail bond. It is expressly

understood and agreed upon that all costs are the sole

responsibility of the cardholder, and can be charged to the

cardholder’s account, subject to authorization by the Card Issuer

4. TRAVEL PERSONAL ASSISTANCE

MasterAssist will make available to Beneficiary:

• Information for preparing a journey

• Information on visas, passports

• Information on inoculation requirements for foreign travel

• Information on customs and duty regulations,

• Information on foreign exchange rates and value-added taxes

• Referrals to Embassies or Consulates

Repatriation of remains

In the event of the Beneficiary’s death, MasterAssist will

arrange for the repatriation of remains to the place of burial

in his/her country of residence. Transportation of remains will

be subject to international laws and regulations. It is

expressly understood and agreed upon that all costs are the

sole responsibility of the cardholder.

Prescription transfer/shipping

MasterAssist helps the Beneficiary replace lost or misplaced

medication or other important items such as eyeglasses or

contact lenses, by first endeavoring to find a local resource for

replacement, or by locating and arranging prompt shipment of

the item or its equivalent (subject to local law).

2. TRAVEL SERVICES MEDICAL PROTECTION

If you have a medical emergency away from home,

MasterAssist Medical Protection can help you get the best care. MasterAssist Medical Protection

is an insurance program.

What is covered:

• A global referral network of local physicians, dentists, hospitals, and pharmacies.

• Emergency treatment by a physician or dentist, for covered medical, surgical, and dental

conditions arising from illness or accidental injury incurred during your trip. Each covered

individual can receive up to USD $2,500 in coverage. (Because coverage is secondary, file

with your own insurance company first, then we’ll help cover the difference.) There is a

deductible of USD $50 per person, per trip.

• Coverage is limited to emergency medical services resulting from accidental injury or emergency

illness, which, if not treated immediately, could be expected by a prudent layperson to place a

patient’s life, or the life of an unborn child, in jeopardy or seriously impair the patient’s bodily

functions. Emergency illness benefits are limited to a maximum of USD $500 per day.

• If you’re hospitalized while traveling alone, we’ll make arrangements to obtain care. If needed,

we’ll pay for transportation to another medical facility or your home. If you’re traveling with

dependent children, we’ll arrange, and pay, for their return home if your hospitalization is

expected to last 8 days or more.

• When you’re traveling alone and hospitalized outside the United States for more than 8 days,

we’ll make and pay for travel arrangements for a round-trip, economy-class ticket to bring a

relative or close friend to you. If you need to recuperate in a hotel after hospitalization, we’ll

pay up to USD $75 a day, up to 5 days, to help cover hotel expenses.

• If you die while traveling, we’ll arrange for your remains to be sent home, pay for repatriation,

and help make arrangements for your travel companions(s) to get home. We would do the

same for you if your travel companion(s) should die.

• If one of your immediate relatives dies at home while you’re traveling abroad, we’ll pay for your

return to the United States.

• Coverage is secondary to any existing health and dental coverage (such as worker’s compensation,

disability benefits law, or similar law) whether or not a claim is filed under such insurance.

Who is covered:

• You, your spouse, and unmarried dependent children under age 22, traveling with you.

Where you’re covered:

• At locales 100 miles or more from your home*, except in Afghanistan, Iran, Iraq, Kampuchea,

Laos, Libya, Myanmar, North Korea, Sri Lanka, Vietnam, and other countries we deem unsafe.

When you’re covered:

• You’re covered from the day you leave until midnight of the 60th day of your trip, or the day

you return to your city of residence, whichever is sooner. If your trip is extended due to a

covered illness or injury, coverage extends to 48 hours after your return.

What is NOT covered:

• Services, supplies, or charges not prescribed by, or performed by, or upon the direction of a

physician or dentist, not medically necessary, rendered by other than hospital providers, not

legally obligated to pay in the absence of any coverage.

MASTERCARD VAT RECLAIM SERVICE

VAT Refunds on Business Travel Expenses

U.S. Companies are entitled to recover the Value Added Taxes (VAT) expenses that your company

employees incur on foreign business travel.

The VAT paid on hotel accommodations, employee meals, conferences, exhibitions, trade shows,

car hire, and similar business travel expenses are recoverable in most European countries.

The rules and scope of VAT recovery vary from country to country, but we will determine what is

eligible for reclaim and will handle all the claim processing and submissions to the VAT Refunding

Authorities.

To claim VAT refunds, it is essential that your company be able to provide the original hard-copy

supplier invoices on which you paid VAT.

MasterCard customers can avail themselves of a discounted fee based on a percentage of the

recovered VAT.

For information on our VAT recovery services and to commence your company’s VAT reclaim

process, contact:

U.S. Toll free: 1.800.306.6068

Int’l. telephone: +353.66.97.61772

E-mail: [email protected]

Web: www.fexcovatrefunds.com

MASTERCARD GLOBAL SERVICE

MasterCard Global Service

provides worldwide, 24-hour assistance with lost and stolen card

reporting, emergency card replacement, and emergency cash advance. Call MasterCard Global

Service immediately to report your card lost or stolen and to cancel the account. If you need to make

purchases or arrange for a cash advance, with your issuer’s approval, you can receive a temporary

card the next day in the United States, and within two business days most everywhere else.

In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands,

and Puerto Rico) and Canada, call 1-800-MC-ASSIST (1-800-622-7747). When out-of-country

and in need of assistance, you can easily reach a specially trained MasterCard Global Service

Representative who can help you 24 hours a day, 365 days a year, in any language. You can

call toll free from over 75 countries worldwide. Some of the key toll free MasterCard Global

Service telephone numbers are:

Australia............................................................................................1-800-120-113

Austria ..............................................................................................0800-21-8235

France ..............................................................................................0-800-90-1387

Germany ..........................................................................................0800-819-1040

Hungary ..............................................................................................06800-12517

Ireland. ............................................................................................1-800-55-7378

Italy......................................................................................................800-870-866

Mexico........................................................................................001-800-307-7309

Netherlands ....................................................................................0800-022-5821

Poland ..........................................................................................0-0800-111-1211

Portugal ..............................................................................................800-8-11-272

Spain....................................................................................................900-97-1231

United Kingdom ..................................................................................0800-96-4767

For additional information, or for country-specific toll-free telephone numbers not listed above,

visit our Web site at www.mastercard.com or call the United States collect at

1-636-722-7111.

Account Information and Card Benefits

When in the United States, contact your card issuer directly for account information and

1-800-MC-ASSIST for card benefits. When traveling outside the United States, call

MasterCard Global Service to access your card issuer for account information or to access any

of your card benefits.

issued by U.S. financial institutions. The United States is defined

as the fifty (50) United States, the District of Columbia, American

Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No

person or entity other than the MasterCard cardholder shall have

any legal or equitable right, remedy, or claim for benefits,

insurance proceeds and damages under or arising out of these

programs. These benefits do not apply if your card privileges

have been cancelled. However, insurance benefits will still apply

for any benefit you were eligible for prior to the date that your

account is suspended or cancelled, subject to the terms and

conditions of coverage.

Transfer of rights or benefits: No rights or benefits provided

under these insurance benefits may be assigned without the prior

written consent of the claim administrator for these benefits.

Misrepresentation and Fraud: Benefits shall be void if the

MasterCard carholder has concealed or misrepresented any material facts concerning this

coverage.

Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft,

loss, or damage to the property insured under these programs. “Due diligence” means the

performance of all vigilant activity, attentiveness, and care that would be taken by a reasonable

and prudent person in the same or similar circumstances in order to guard and protect the item.

Subrogation: If payment is made under these benefits, the insurance company is entitled to

recover such amounts from other parties or persons. Any party or cardholder who receives

payment under these benefits must transfer to the insurance company his or her rights to

recovery against any other party or person and must do everything necessary to secure these

rights and must do nothing that would jeopardize them, or these rights will be recovered from the

cardholder.

Salvage: If an item is not repairable, the claim administrator may request that the cardholder or

gift recipient send the item to the administrator for salvage at the cardholder’s or gift recipient’s

expense. Failure to remit the requested item for salvage to the claim administrator may result in

denial of the claim.

In no event will these insurance benefits apply as contributing insurance. The non-contribution

insurance clause will take precedence over the non-contribution clause found in any other

insurance policies.

Benefits listed in this Guide are subject to the conditions, limitations, and exclusions described in

each benefit section. Receipt or possession of this Guide to Benefits does not guarantee

coverage or coverage availability. FLD-2 (3/05)

This Guide is intended as a summary of services, benefits, and coverages and, in case

of a conflict between the Guide and the master insurance policies, or a member’s, or the

MasterCard actual offerings, such master policies or actual offering shall control.

1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST

Guide to

Benefits

• Referrals to Interpreters

• Dispatch of an Interpreter

In case of imprisonment, hospitalization or circumstances that demand the services of an

interpreter, MasterAssist shall make the necessary arrangements to provide the Beneficiary with

an interpreter. It is expressly understood and agreed upon that all costs are the sole

responsibility of the cardholder, and can be charged to the cardholder’s account, subject to

authorization by the Card Issuer.

5. TRAVEL-ORIENTED EMERGENCY ASSISTANCE

Cash advances Up to USD $5,000

In the event of lost or stolen cash, Travelers Checks, credit and charge cards or in the event that there

are no ATMs available at the Beneficiary’s location, MasterAssist shall advance cash to the Beneficiary

(to be charged to cardholder’s account and subject to authorization by the Card issuer).

Urgent message relay

Transmission of urgent messages from the Beneficiary to relatives, business associates, friends

residing in his/her country of residence and vice versa.

Luggage assistance

MasterAssist shall provide assistance in locating lost luggage and shall provide to the

Beneficiary regular updates on the location status.

Lost document, ticket replacement, and return trip assistance

In case of loss or theft of the MasterCard card, travel tickets, passport, visa or other identity

papers necessary to return home, MasterAssist will provide assistance in replacing them by

contacting local police, consulates, airline company or other appropriate entities.

In the event of loss or theft of the transportation ticket to return home, a replacement

transportation ticket can be arranged. It is expressly understood and agreed upon that all costs

are the sole responsibility of the cardholder, and can be charged to the cardholder’s account,

subject to authorization by the Card Issuer.

III. COST OF THE ASSISTANCE SERVICES PROVIDED

MasterAssist offers valuable emergency assistance services, however it is not insurance coverage.

Please keep in mind that you will be responsible for the fees incurred for professional or emergency

services requested of MasterAssist

™

Travel Assistance Services (such as, medical or legal bills).

Most of the assistance services are offered to the cardholder at no cost; however, according to

circumstances and depending on the nature of the requested service, AXA Assistance may have

to advance payment on behalf of the cardholder subject to the cardholder’s approval. In this

case, the advanced payment and associated delivery fees shall be reimbursed to AXA

Assistance through the debit of the cardholder’s MasterCard Card account, subject to prior

approval of the cardholder’s issuing bank. In the event approval for the charge is not granted

by the issuing bank, the payment coverage/monetary advance will not be provided

6. MASTER ROADASSIST

SERVICE

• If your car breaks down on the road while you are traveling in the 50 United States or the

District of Columbia, just call 1-800-MC-ASSIST and tell us where you are.

• We’ll send someone to the rescue. This is not only reassuring, but it may also save you

money because fees for many services (jump-starts, towing, gas delivery, tire changes) are

pre-negotiated. Road service fees will be automatically billed to your MasterCard Card account.

• You are responsible for emergency road service charges incurred by towing facilities

responding to your dispatch, even if you are not with your car (or it’s gone) when the tow truck

arrives. MasterCard International is not responsible or liable for the service the towing facility

provides. Towing facilities are independent contractors, solely liable for their services.

• Emergency road service is not available in areas not regularly traveled, in “off-road” areas

not accessible by ordinary towing vehicles, or for over one-ton capacity trailers, campers,

or vehicles-in-tow.

• If you have a rental vehicle, be sure to call the car rental agency before you call

1-800-MC-ASSIST, as many rental agencies have special procedures regarding

emergency road service.

Reminder: Please refer to the Final Legal Disclosure section.

CPS-GTB-07 7-124550 9/07

To file a claim or request MasterAssist Services,

call 1-800-MC-ASSIST (1-800-622-7747),

or en Español: 1-800-633-4466.

Visit our Web site at www.mastercard.com.

Important information. Please read and save.

To file a claim or for more information on any of these services,

call the MasterCard Assistance Center at

1-800-MC-ASSIST,

or en

Español: 1-800-633-4466.

MasterCard Commercial Guide to Benefits

CPS-GTB-07

“Card” refers to MasterCard

card, and “Cardholder”

refers to a MasterCard

cardholder.

MasterCard Guide to Benefits

Benefits that are always with you

This MasterCard Commercial Guide to Benefits describes the valuable programs

available to you as a cardholder of:

MasterCard BusinessCard

Card

MasterCard Executive BusinessCard

Card

MasterCard

Professional Card

World MasterCard

for Business Card

Debit MasterCard BusinessCard

Card

MasterCard

Small Business Multi Card

MasterCard Corporate Card

MasterCard Corporate Executive Card

MasterCard Corporate Purchasing Card

MasterCard Corporate Fleet Card

MasterCard Corporate Multi Card

Card

MasterCard Public Sector Travel Card

MasterCard Public Sector Purchasing Card

MasterCard Public Sector Fleet Card

MasterCard Public Sector Multi Card

Card

MasterCard Government Travel Card

MasterCard Government Purchasing Card

MasterCard Government Fleet Card

MasterCard Government Integrated Card

ATM Locations

Call 1-800-4CIRRUS to find the location of a nearby ATM in the MasterCard ATM Network

accepting MasterCard

, Maestro

, and Cirrus

brands. Also, visit our Web site at

www.mastercard.com to use our ATM locator. You can get cash at over one million ATMs

worldwide. Be sure you know your PIN (Personal Identification Number) before you travel in

order to enable cash access.

ACCOUNT AND BILLING INFORMATION DISCLOSURE

Important: Contact your card-issuing financial institution directly for questions concerning

your account, such as account balance, credit line, billing inquiries (including transaction

exchange rates), merchant disputes, or information about additional services not described in

this Guide. Your financial institution’s phone number should be available on your monthly

billing statement or on the back of your card.

FINAL LEGAL DISCLOSURE

This Guide is not a policy or contract of insurance or other contract.

Benefits are purchased by MasterCard and provided free to you, but non-insurance services

may have associated costs, which will be your responsibility (for example, legal referrals are

free, but the lawyer’s fee is your responsibility).

MasterRental, Purchase Assurance, Extended Warranty, and Travel Services Medical

Protection coverage are provided under a master policy of insurance issued by Virginia Surety

Company, Inc. This Guide is intended as a summary of benefits provided to you. All

information about the insurance benefits listed in this Guide is governed by the conditions,

limitations, and exclusions of the master policy.

As the insurer of the MasterCard coverage described herein, Virginia Surety Company, Inc.

(“VSC”) collects personal information about you from the following sources:

Information the insurer gathers from you, from your request for insurance coverage, or other

forms you furnish to the insurer, such as your name, address, telephone number, and

information about your transactions with the insurer such as claims made and benefits paid.

The insurer may disclose all information it collects, as described above, to companies that

perform administrative or other services on our behalf solely in connection with the insurance

coverage you have received. The insurer does not disclose any personal information about

former insureds to anyone, except as required by law. The insurer restricts access to personal

information about you to those employees who need to know that information in order to

provide coverage to you. The insurer maintains physical, electronic, and procedural

safeguards that comply with federal regulations to guard your personal information. Should

you have any questions about the insurance procedures or the information contained within

your file, please contact the insurer by writing to:

Compliance Department

Virginia Surety Company, Inc.

175 W. Jackson Blvd.

Chicago, IL 60604

Effective date of benefits: Effective February 1, 2008, this Guide replaces all prior

disclosures, program descriptions, advertising, and brochures by any party. MasterCard and the

insurer reserve the right to change the benefits and features of these programs at any time.

Cancellation: We can cancel these benefits at any time or choose not to renew the insurance

coverage for all cardholders. If we do cancel these benefits, you will be notified at least sixty

(60) days in advance. If the insurance company terminates, cancels, or chooses not to renew

the coverage to MasterCard, you will be notified as soon as is practicable. Insurance benefits

will still apply for any benefits you were eligible for prior to the date of such terminations,

cancellation, or non-renewal, subject to the terms and conditions of coverage.

Benefits to you: These benefits apply only to MasterCard cardholders whose cards are

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Inhaltsverzeichnis

Seite 1 - Benefits

• Experimental/investigative services, or telephone consultations.• Medical or dental expenses payable under any existing group health or accident ins

Seite 2 - PURCHASE ASSURANCE COVERAGE

• Experimental/investigative services, or telephone consultations.• Medical or dental expenses payable under any existing group health or accident ins

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• Experimental/investigative services, or telephone consultations.• Medical or dental expenses payable under any existing group health or accident ins

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• Experimental/investigative services, or telephone consultations.• Medical or dental expenses payable under any existing group health or accident ins

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• Experimental/investigative services, or telephone consultations.• Medical or dental expenses payable under any existing group health or accident ins

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• Experimental/investigative services, or telephone consultations.• Medical or dental expenses payable under any existing group health or accident ins

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• Experimental/investigative services, or telephone consultations.• Medical or dental expenses payable under any existing group health or accident ins

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• Experimental/investigative services, or telephone consultations.• Medical or dental expenses payable under any existing group health or accident ins

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