MediCover Student

Travel/Personal
Medical Expenses
Insurance
Your policy document

Accident & Health

 Contact information
Chubb Claims

T (01) 440 1700

E [email protected]

Emergency Medical Expenses

T (01) 440 1762

Financial Services and Pensions

Ombudsman

T (01) 567 7000

E [email protected]
W www.fspo.ie

Please keep this Policy in a safe place. It

may be needed for reference if a claim
is made.

Insurer
Chubb European Group SE trading as Chubb, Chubb
Bermuda International and Combined Insurance, is
authorised by the Autorité de contrôle prudentiel et
de résolution (ACPR) in France and is regulated by
the Central Bank of Ireland for conduct of business
rules.

2
Contents
Contact information 02 Policy conditions
Adjustable Premiums 21
Policy Schedule 04
Assignment 21
Schedule of benefits 05
Benefit Limits 21
Welcome
Introduction 06 Cancellation 21

Insurance agreement 06 Change in Business Description 22

Law applicable to contract 06 Compliance with Policy

Requirements 22
Chubb Assistance 07
Declarations 22
Policy definitions 08
Disappearance 22
Pre-requirements for cover to apply 13
Insurance Act 1936 22
What this policy covers
Interest 22
SECTION A – Medical expenses
& other travel expenses 14 Material Disclosure 23
SECTION B – Injury 15 Misdescription 23
SECTION C – Personal liability 15 Other Taxes or Costs 23
What this policy does not cover 17 Payment of Benefits 23

Reasonable Precautions 23

Stamp Duty 23

Claims notification and conditions 24

Complaints procedures 26

European online dispute

resolution platform 27

Data protection 27

3
 Policy Schedule
MediCover Student Personal Medical Expenses
Policy Number: IAS84420/

Intermediary: O’Driscoll O’Neil DAC T/A Study And Protect, 17 Herbert Place, Dublin 2.

Insured:

Address:

Business Description:

Period of insurance: From: To:

and any further period for which Chubb shall agree to accept premiums.

Premium: €75 (including 5% Government Levy) per Insured Person.

Chubb reserves the right to amend the Premium if the rate of Government Levy
changes. Any additional charge payable reflects the Intermediary’s administration fee.

Declarations: The Insured must, within 15 days of the end of each month, forward a declaration
containing details of, and the premiums paid by, Insured Persons (who have booked
courses with the Insured during that month and who have elected to take out this
insurance) to the Intermediary for onward transmission to Chubb.

Category A Category B Category C

Insured Persons: Insured Persons: Insured Persons:

Any student, whose Country of Any Partner, of a person Any Child of a person described
Origin is outside the European described in Category A when the in Categories A or B when the
Economic Area (the Principal Intermediary and Chubb and agree Intermediary and Chubb agree
Insured Person) who has chosen to include such person in to include such person in this
to participate in the Insured’s this insurance. insurance.
MediCover Student Travel Insurance.
Journey: Journey:
Journey: Whilst accompanying a person Whilst accompanying a person
Whilst attending an academic course described in Category A. The described in Category A. The
with the Insured in Ireland which: Journey: Journey:
a) commences during the Period a) commences during the a) commences during the
of Insurance upon arrival in Period of Insurance upon Period of Insurance upon
Ireland up to a maximum of 7 arrival in Ireland up to a arrival in ireland up to a
days prior to the commencement maximum of 7 days prior to the maximum of 7 days prior to the
of such course; commencement of the course commencement of the course
b) may include periods not for which the person described for which the person described
exceeding 14 days in total in any in Category A is enrolled and in Category A is enrolled and
one Period of Insurance (if b) ceases: b) ceases:
annual cover has been chosen) i) within a maximum of 7 days i) within a maximum of 7
or not exceeding 7 days in total after the completion of the days after the completion of
in any one Period of Insurance course; or the course; or on exit from
(if 6-months cover has been ii) on exit from Ireland where Ireland where there is no
chosen) during which the there is no emergency emergency repatriation;
Insured Person may travel on repatriation; whichever is earlier, or
holiday from Ireland to any whichever is earlier, or ii) following emergency
country within Europe or the iii) following emergency repatriation only, on the
European Economic Area; and repatriation only, on the date of arrival in hospital
c) ceases: date of arrival in hospital in the Insured Person's
i) within a maximum of 7 days in the Insured Person's Country of Origin.
after the completion of the Country of Origin.
course; or
ii) on exit from Ireland (other
than for travel described in
b) above) where there is no
emergency repatriation;
whichever is earlier, or
iii) following emergency
repatriation only, on the date
of arrival in hospital in the
Insured Person's Country
of Origin.

4
Schedule of Benefits
Section Category A Category B Category C

SECTION A: Medical and other travel

expenses
1. a) Medical Expenses: €2,500,000 €2,500,000 €2,500,000
b) Dental Expenses necessitate by up to €500 up to €500 up to €500
Bodily Injury
c) Nursing home and ambulance Included in Included in Included in
charges a) above a) above a) above
d) Emergency Repatriation Expenses Unlimited Unlimited Unlimited
e) Funeral Expenses up to €7,000 up to €7,000 up to €7,000

2. Physiotherapy, homeopathy,
osteopathy or chiropractic treatment up to €1,000 up to €1,000 up to €1,000
necessitated by Bodily Injury

Excess applicable to Sub-sections 1

and 2: €100 €100 €100

SECTION B: Injury
1. Death: €10,000 €10,000 €10,000
2. Loss of two or more Limbs: €10,000 €10,000 €10,000
3. Loss of Sight in Both Eyes: €10,000 €10,000 €10,000
4. Loss of one Limb: €5,000 €5,000 €5,000
5. Loss of Sight in one Eye: €5,000 €5,000 €5,000
Maximum Limit: €10,000

SECTiON C: Personal liability €5,000,000 €5,000,000 €5,000,000

Date of Issue:

5
 Welcome
Introduction Insurance Agreement

All parts of the Policy should be read The Insured and Chubb European
to make sure they meet requirements Group SE, agree that:
and that all the terms, conditions and
exclusions are understood. Any changes The Insured Persons will pay the
or queries should be advised to the Premium.
insurance intermediary shown in the
Schedule or to the local Chubb contact. We will subject to the terms, conditions
and exclusions of this Policy, provide
The parts of this Policy are; the Insurance in the manner and to
• Introduction and the Insurance the extent set out in this Policy. All
Agreement information supplied to Chubb by the
• Chubb Assistance Insured and Insured Persons shall be
• Policy Definitions incorporated into and be the basis of
• What the Policy covers and this Policy.
• What the Policy does not cover
• Policy Conditions This Policy, the Policy Schedule(s) and
• Claims information endorsements, if any, shall be read
• Complaints procedures and together as one contract and any word
regulatory information or expression to which specific meaning
• Policy Schedule has been attached shall unless the
context otherwise requires bear such
meaning wherever it may appear.

Law Applicable to Contract

This Policy shall be governed by and

construed in accordance with the Law
of the Republic of Ireland and the Irish
Courts alone shall have jurisdiction in
any dispute. The language of this Policy
and all communications relating to it
shall be in the English language.

James Duncan
Authorised Official
For Chubb European Group SE

6
Chubb Assistance
Consistent with its philosophy of Travel Assistance
customer care, Chubb has arranged a
number of assistance services. If during a Period of Insurance the
Insured Person requires medical or
To access Chubb Assistance, simply personal assistance or advice during
call: (01) 440 1762 a Journey they may call Chubb
Assistance in respect of:
To help monitor and improve service
standards, calls may be recorded. Medical Assistance
i) 24 hour medical assistance service
The Insured Person will be 24 hours a day, 365 days a year.
requested to provide their name; their
organisation’s name; the nature of ii) Medical Expertise
the assistance needed and a contact On hand for advice, referral or
number or address where they can treatment.
be reached.
iii) Air Ambulance
Emergency repatriation
including use of air ambulance or
scheduled flights as necessary and
appropriate.

iv) Local payment of hospital bills

No need for the Insured Person to
use their own cash.

7
 Policy Definitions
Whenever the following words or independently of Illness or any other
phrases appear bold, they will have cause, occurs within 12 months from
the meanings as described below the date of the Accident.

€ Child/Children
means Euro means an Insured Person who is the
Principal Insured Person’s and/or
Accident & Accidental their Partner’s children, stepchildren,
means a sudden identifiable violent legally adopted children and children
external event which happens by for whom the Principal Insured
chance and which could not be Person or the Partner is the Parent
expected, or unavoidable exposure to or Legal Guardian. To be covered by
severe weather. this Policy, the Child/Children must:
1. be accompanying the Principal
Aggregate Limit Insured Person on a visit to
means the maximum amount that We Ireland to attend a course; and
will pay per Event in total under this 2. be unmarried; and
and any other policies issued by Us to 3. depend on the Principal Insured
the Insured. Person or the Partner;
4. be over 3 months and under 18
Air Sports years old; or be under 23 years old
Any aerial pursuits or sports including, at the Commencement Date, if still
but not limited to, the following: in Full-time Education; and
1. ballooning; 5. approved in writing by the
2. bungee-jumping; Intermediary and Us as being
3. gliding; specially included in this insurance.
4. hang-gliding;
5. micro-lighting; Chubb Assistance
6. parachuting; means the travel assistance and
7. paragliding; or emergency medical and repatriation
8. parascending; services arranged by Us.

Any One Claim Complications in Pregnancy

means for the purposes of the Personal means complications in pregnancy
Liability Section all claims or legal (as diagnosed by a qualified medical
proceedings including any appeal practitioner or specialist in obstetrics)
against judgement consequent upon provided that if the Insured Person
the same original cause, event or is travelling between the 28th – 35th
circumstance. (inclusive) weeks of pregnancy they
must provide a medical certificate
Bodily Injury issued by a qualified medical
means injury which is caused solely practitioner or midwife confirming the
by Accidental means and which number of weeks of pregnancy and

8
that the Insured Person is fit to travel European Economic Area (EEA)
on the Journey. The certificate must means Austria, Belgium, Bulgaria,
be dated no earlier than 5 days before Cyprus, Czech Republic, Denmark,
the outbound travel date. Estonia, Finland, France, Germany,
Gibraltar, Greece, Hungary, Iceland,
Country of Origin Ireland, Isle of Man, Italy, Latvia,
means either: Liechtenstein, Lithuania, Luxembourg,
a) the country which is the Insured Netherlands, Norway, Poland,
Person’s regular place of abode Portugal, Romania, Slovakia, Slovenia,
prior to the commencement of the Spain, Sweden, United Kingdom.
Journey, or:
b) any country for which the Insured Event
Person holds a valid passport. means all instances of loss arising out of
and directly occasioned by one sudden,
Death unexpected, unusual and specific event
means death caused by Bodily Injury. occurring at an identifiable time and
place.
Effective Time
means the time, during a Period of Excess
Insurance, when an Insured Person means the amount of each and every
is covered – as detailed in the Schedule. claim that the Insured or the Insured
Person must pay, as shown in the
Europe Schedule, for the appropriate section
means Albania, Andorra, Austria, of the Policy.
Belarus, Belgium, Bosnia-Herzegovina,
Bulgaria, Canary Islands, Channel Full Time Education
Islands, Croatia, Czech Republic, means a programme of learning
Denmark, Estonia, Finland, France, provided by a recognised educational
Germany, Gibraltar, Greece, Hungary, body, which leads to a qualification by
Iceland, Ireland, Isle of Man, examination or assessment which is
Italy Latvia, Liechtenstein, Lithuania, either:
Luxembourg, Macedonia, Madeira, 1. full-time study; or
Mediterranean Islands (including 2. a mixture of study and work
Majorca, Menorca, Ibiza; Corsica; experience as long as at least two
Sardinia; Sicily; Malta, Gozo; Crete, thirds of the total time for the
Rhodes and other Greek Islands; The course is spent on study.
Republic of Cyprus), Moldova, Monaco,
Montenegro, Morocco, Netherlands, General Practitioner
Norway, Poland, Portugal, Romania, means a medical practitioner who
Russian Federation (West of Urals), provides primary care and specializes
San Marino, Serbia, Slovakia, Slovenia, in family medicine.
Spain, Sweden, Switzerland, Tunisia,
Turkey, Ukraine, United Kingdom,
Vatican City.
9
 Hazardous Activities Insured Person
The following activities: means any person or category of
1. Air Sports or Winter Sports; persons described under this heading in
2. underwater swimming or diving the Schedule.
using any type of equipment to aid
breathing; Ireland; Irish
3. climbing or mountaineering where means the island of Ireland and its
the use of ropes or guides would islands except the Northern Ireland; of
reasonably be expected; or pertaining to Ireland.
4. pot holing;
5. hunting on horseback; Journey
6. professional sports; or means any trip described in the
7. racing unless this is on foot. Schedule undertaken by an Insured
Person which commences during the
Hospital Period of Insurance.
means any establishment which is
registered or licensed as a medical or Loss of Limb
surgical hospital in the country in which means in respect of:
it is located and where the Insured a) an arm – amputation or complete
Person is under the constant supervision and permanent loss of use - at or
of a qualified medical practitioner. above the wrist;
b) a leg – amputation or complete and
Illness permanent loss of use - at or above
means any illness, disease, medical the ankle (talo-tibial joint).
complaint or medical condition which
is not Accidental Bodily Injury and Loss of Sight
which is contracted by an Insured Means:
Person. 1. in both eyes – when the Insured
Person’s name has been added to
In-patient the NCBI Register of Blind Persons
means an Insured Person, whose on the authority of a qualified
Hospital confinement is as a resident ophthalmic specialist;
bed patient, for whom a clinical case 2. in one eye - when the degree of sight
record has been opened and whose remaining after correction is 3/60
confinement is necessary for the or less on the Snellen Scale (which
medical care, diagnosis and treatment means the Insured Person is only
of an Illness or Bodily Injury covered able to see at 3 feet that which they
by this Policy and not merely for should normally be able to see at 60
any form of nursing, convalescence, feet) and We are satisfied that the
rehabilitation, rest or extended-care. condition is permanent and without
expectation of recovery.
Insured
The person, firm, company or Maximum Limit
organisation named in the Schedule. means the maximum amount shown in
10
the Schedule payable for any Insured an Insured Person will operate as
Person for all Bodily Injury arising shown in the Application/Confirmation
from any one Accident. of Cover/Policy Summary. The Cover
Start Date must be within the Period of
Nuclear, Chemical or Biological Insurance.
Weapons or Agents
means the use of any nuclear weapon Provided that cover commences during
or device or the emission, discharge, the Period of Insurance shown in
dispersal, release or escape of any the Policy Schedule – the expiry date
solid, liquid or gaseous Chemical Agent shown on the Application/Confirmation
and/or Biological Agent. of Cover/Policy Summary may be later
than the expiry date shown on the
Parent or Legal Guardian Policy Schedule.
means a person with parental
responsibility, or a legal guardian, both If an Insured Person leaves Ireland
being in accordance with the law of before the Cover Finish Date, cover will
Ireland. cease from the date and time they leave
Ireland.
Partner
means an Insured Person who is: If an Insured Person’s return to their
1. Your spouse. Country of Origin is unavoidably
2. Your civil partner registered delayed due a Claim, the Period of
pursuant to the Civil Partnership Cover will automatically be extended,
and Certain Rights and Obligations without any additional premium, for
of Cohabitants Act 2010; or the period of the delay.
3. Your cohabiting partner (as
defined in the Civil Partnership and Where an Insured Person’s return
Certain Rights and Obligations of to their Country of Origin is a result
Cohabitants Act 2010) i.e. an adult of medical repatriation arranged by
of the same or opposite sex who Chubb Assistance, the Period of
has lived with You in an intimate Cover will automatically be extended,
relationship for five years, or for without any additional premium, until
two years where there is a child or the date of their arrival in Hospital
children of the relationship. or at their home in their Country of
4. someone of either sex with whom Origin whichever is reached first.
you have been living for at least
three months as though they were All dates refer to local standard time at
your spouse or civil partner. the address of the Insured as shown in
the Policy Schedule.
Period of Cover
means the period commencing at Period of Insurance
00.00 on the Cover Start Date and means the period between and
ending at midnight on the Cover inclusive of the dates shown from: and
Finish Date during which cover for to: in the Policy Schedule commencing
11
 at 00.00 hours on the earliest date War
shown and expiring at midnight on means armed conflict between nations,
the latest date shown. Both dates refer invasion, act of foreign enemy,
to local standard time at the address hostilities (whether war declared or
of the Insured as shown in the Policy not), civil war, rebellion, revolution,
Schedule. insurrection or military or usurped
power.
Permanent Disabling Injury
means Loss of Sight or Loss of Limb. We/Us/Our
Chubb European Group SE; of or
Premium pertaining to Chubb European Group
means the amount specified or referred SE.
to in the Policy Schedule in respect
of the specified Period of Insurance Winter Sports
which is payable by the Insured to means Any winter pursuits or sports
Chubb. including, but not limited to, the
following:
Specially Designated List 1. skiing (including skiing outside the
means names of a person, entities, area of the normal compacted snow
groups, corporate specified on a list ski slope i.e. ‘off-piste’);
who are subject to as trade or economic 2. tobogganing;
sanctions or other such similar laws 3. snow boarding;
or regulations of the United States of 4. ice skating (other than on an indoor
America, United Nations, European rink);
Union or United Kingdom. 5. ski or ski bob racing;
6. mono skiing;
Terrorism 7. ski jumping;
means an act, including but not limited 8. ski boarding;
to the use of force or violence and/ 9. ice hockey; or
or the threat thereof, of any person 10. the use of bobsleighs or skeletons.
or group(s) of persons, whether
acting alone or on behalf of or in
connection with any organisation(s) or
government(s), committed for political,
religious, ideological or ethnic purposes
or reasons including the intention to
influence any government and/or to
put the public, or any section of the
public, in fear.

12
Pre-requirements for cover to apply
As with all insurance policies, other • The Insured Person must not be:
than life assurance, the policy covers 1. receiving or waiting for medical
only unexpected and unforseen events. treatment at a hospital or
nursing home;
The following should be noted: 2. waiting for investigation or
• The Insured Person must not be referral, or the results of any
currently under treatment, taking investigation, medical treatment
medication, or receiving follow up or surgical procedure, for any
consultation for any of the following condition, whether diagnosed
conditions: or undiagnosed.
1. cancer; 3. choosing not to take prescribed
2. any heart/circulatory- medication, or the correct dose
related condition (including of prescribed medicine.
hypertension, angina, stroke 4. travelling against the advice of a
etc); or medically qualified doctor;
3. any chronic lung/breathing- 5. travelling to obtain medical,
related condition (excluding dental or cosmetic treatment;
asthma suffered in isolation and 6. travelling with a terminal
controlled by the use of one or condition;
two inhalers); or
4. a clinically diagnosed
psychiatric disorder, anxiety or
depression;

13
 What this policy covers
The cover provided by these sections a qualified dentist necessitated
or sub-sections will apply only to losses by, and incurred with 48 hours
occurring during a Period of of, Bodily Injury up to a limit
Insurance and if a benefit amount is of €500.
shown in the relevant section or sub-
sections in the Schedule. c) Nursing home and ambulance
charges

SECTION A - Medical Expenses & d) Emergency Repatriation

Other Travel Expenses Expenses
All reasonable costs necessarily
1. If the Insured Person becomes incurred in repatriating the
ill or suffers Bodily Injury or Insured Person to the most
Complications in Pregnancy suitable Hospital or to the
during a Journey, We will Insured Person’s home address
indemnify the Insured Person in the Country of Origin
up to the amounts shown in the provided that such repatriation
Schedule less the deduction of is medically necessary and
any Excess amount shown in the organised by Chubb Assistance.
Schedule for any one Journey in
respect of: e) Funeral expenses
All reasonable costs, up to a
a) Medical Expenses maximum of the amount shown
All reasonable costs (excluding in the schedule (€7,000 in all),
dental expenses) incurred necessarily incurred following
following consultation with a the death of an Insured Person
qualified medical practitioner, for:
including costs for surgical, i. funeral expenses incurred in
diagnostic or remedial treatment the burial or cremation of the
given or prescribed by a Insured Person in Ireland;
qualified medical practitioner. or
ii. transporting the Insured
Provided that: i) where expenses Person’s body or ashes
are likely to exceed €250 or ii) for burial in the Insured
where In-Patient treatment is Person’s normal Country of
required, Chubb Assistance Origin; and
must be consulted first. iii. travel and Accommodation
costs of up to two relatives
(See Claims Notification and or friends of the Insured
Conditions). Person to travel from the
Insured Person’s Country
b) Dental Expenses of Origin to Ireland to
All reasonable dental costs attend the Insured Person’s
incurred for treatment given by funeral in Ireland or to
14
 accompany the Insured treatment is carried out by a
Person’s body or ashes qualified practitioner.
to the Insured Persons’
Country of Origin.
SECTION B - Injury
We will only pay, in respect of
any one loss under this Section, If an Accident occurs during the
for expenses incurred up to one Period of Insurance and Effective
year from the date of injury or Time that causes Bodily Injury to an
commencement of illness up to Insured Person which results in:
the Benefit Level sum Insured a) Death
shown in the Schedule less the b) Loss of Limb
deduction of any Excess provided c) Loss of sight
that other than in the case of an
emergency where immediate action We will pay the Insured Person the
is required to avert serious health amounts shown in the Schedule.
or life threatening consequences,
the Insured or the Insured
Person must first contact Chubb SECTION C – Personal liability
Assistance for advice and assistance
to be taken prior to incurring any If the Insured Person becomes legally
costs. liable to pay damages in respect of:
1. accidental bodily injury (which shall
Failure to seek such prior advice include death, illness and disease) to
and assistance may result in Us any person; and/or
declining to pay for any costs 2. accidental loss of or damage to
incurred. material property

2. Physiotherapy, homeopathy, occurring during and arising out of

osteopathy or chiropractic the Journey, We will indemnify the
treatment Insured Person for all such damages
If the Insured Person suffers payable in respect of each occurrence
Bodily Injury during a Journey, or a series of occurrences arising
We will indemnify the Insured directly or indirectly from one source or
Person up to the amounts original cause up to the Limit of Liability
shown in the Schedule less the for this Section shown in the Schedule.
deduction of any Excess amount
shown in the Schedule, for any Chubb will also pay in connection with
one Period of Insurance, in such liability:
respect of all reasonable costs for 1. all costs and expenses recoverable
up to a maximum of 10 sessions by a claimant from the Insured
of physiotherapy, homeopathy, Person;
osteopathy or chiropractic 2. all costs and expenses incurred
treatment provided that such with Our written consent;
15
 3. solicitors’ fees for representation 2. We may at any time pay to the
at any coroner’s inquest or fatal Insured Person in connection with
accident enquiry or in any Court of any claim or series of claims the
Summary Jurisdiction; amount shown in the Schedule as
the Limit of Liability for this Section
except that in respect of occurrences (after deduction of any sum(s)
happening in or claims or legal already paid as compensation) or
proceedings brought or originating any lesser amount for which such
in the United States of America and claim(s) can be settled and upon
Canada or any other territory within the such payment being made We shall
jurisdiction of either such country, costs relinquish the conduct and control
and expenses described in 1, 2 and 3 of and be under no further liability
above are deemed to be included in the in connection with such claim(s)
Limit of Liability for this Section shown except for the payment of costs and
in the Schedule provided that: expenses recoverable or incurred
1. no admission, offer, promise or prior to the date of such payment.
indemnity shall be made without 3. the Insured Person shall as though
Our consent of which shall be they were the Insured observe,
entitled to take over and conduct fulfil and be subject to the terms,
in the Insured Person’s name the Specific Exclusions and Specific
defence or settlement of any claim Conditions of this Section.
or to prosecute in the Insured
Person’s name for its own benefit
any claim for indemnity or damages
or otherwise and shall have full
discretion in the conduct of any
proceedings and in the settlement
of any claim and the Insured
Person shall give all information
and assistance as We may require.
Every letter, claim, writ, summons
and process shall be forwarded to
Us on receipt. Written notice shall
be given to Us immediately the
Insured Person shall have notice
of any prosecution or inquest in
connection with any circumstances
which may give rise to liability
under this Section.

16
What this policy does not cover
This Part of the policy provides details vehicle of any kind whilst under
of all Exclusions. the influence of alcohol or drugs
in the country where he or she is
Exclusions applicable to all sections of driving
the policy are listed first, followed by g) the Insured Person being
Exclusions applicable to each individual a full time member of the
section of the policy. armed forces of any nation or
international authority or a
1. We will not pay any claim which is member of any reserve forces
caused by or results from: called out for permanent
a) the Insured Person committing service;
a criminal act or taking part h) the Insured Person engaging
or whilst engaged in civil in:
commotions or riots of any kind; i. in any form of air travel,
b) post-traumatic stress disorder unless travelling as a fare-
or related syndromes or any paying passenger in an
psychological or psychiatric aircraft which is provided
condition; and operated by an airline or
c) the Insured Person drinking air charter company which
too much alcohol, alcohol must be licensed for this;
abuse or alcohol dependency. i. Hazardous Activities.
We do not expect the Insured ii. manual work
Person to avoid alcohol on a i) the Insured Person:
Journey, but We will not cover i) riding on; or
any claims arising because the ii) driving, unless he or she
Insured Person has consumed is fully licenced to do so in
so much alcohol that their Ireland;
judgement is seriously affected a motor cycle or motor scooter
and the Insured Person needs other than a moped.
to make a claim as a result (for j) any claims arising directly or
example any medical report indirectly from, caused by,
or evidence showing excessive a consequence of, arising in
alcohol consumption which in connection with or contributed
the opinion of a doctor and/or to by any of the following:
Chubb Assistance has caused or • any loss or expenses with
contributed to the bodily injury) respect to Cuba or a specially
d) the Insured Person ingesting designated person, entity,
drugs except for drugs which are group or company on the
properly prescribed Specially Designated List
e) the Insured Person travelling or which if reimbursed or
to any country which is or paid by the Company would
whose armed forces are engaged result in the Company
in War within its own borders; being in breach of trade
f) the Insured Person driving a or economic sanctions or
17
 other such similar laws or n) ionising radiations or
regulations. contamination by radioactivity
• arising out of or relating from any nuclear fuel or from
to any travel to, from any nuclear waste from the
or in Cuba or any travel combustion of nuclear fuel
which starts, ends or has a including the radioactive, toxic,
scheduled stop in Cuba; explosive or other hazardous
• arising out of or relating to properties of any explosive
any Insured Person whose nuclear assembly or nuclear
main residence is in Cuba; component thereof.
and/ or o) any payment under this Policy
• which would result in the where the Insured Person does
Company being in breach of not meet the Eligibility Criteria
United Nations resolutions detailed on Page 8 & 9.
or trade or economic
sanctions or other laws of 2. We will not pay any claim under
the European Union, United Section A (Medical Expenses) of this
Kingdom, Ireland or United Policy for:
States of America. a) expenses incurred without
You should contact Chubb’s the confirmation of a qualified
Customer Services Team on +353 medical practitioner that
(0)1 440 1765 for clarification the treatment was medically
of Policy cover for travel to necessary;
countries which may be subject b) expenses incurred where a
to United Nations resolutions Journey is undertaken against
or trade or economic sanctions the advice of a qualified medical
or other laws of the European practitioner or where the
Union, United Kingdom, Ireland purpose of the Journey is to
or United States of America. receive medical treatment or
k) War in Ireland or Country of advice;
Origin; c) treatment provided by a
(In respect of the Personal member of the Insured
Liability Section Exclusion 6 is Person’s family.
replaced by Exclusion 12h). d) Any medical condition
l) suicide, attempted suicide or (including chronic or recurring
deliberate self-inflicted injury by conditions) in respect of which
the Insured Person regardless the Insured Person had
of the state of their mental suffered or sought treatment
health; or advice for in the 24 months
m) any act of Terrorism involving prior to commencement of this
the use of Nuclear, Chemical insurance.
or Biological Weapons or e) Physiotherapy, homeopathy,
Agents; osteopathy or chiropractic

18
 treatment unless necessitated was contracted as a result of
by Bodily Injury. Any a blood transfusion or other
treatment that is sanctioned medical treatment received for
will be limited to 10 sessions an unrelated injury or Illness
and must be carried out by a whilst in Ireland;
qualified practitioner. m) expenses in respect of treatment
f) cosmetic treatment unless which could reasonably wait
agreed by Us and necessary as until the Insured Person has
a result of Accidental Bodily returned to their Country of
Injury; Origin;
g) expenses which are recovered n) expenses incurred for which no
from any national insurance receipts are provided
programme which is applicable
to the Insured Person; 3. We will not pay any claim under
h) expenses incurred twelve Section B (Injury) of this Policy for:
months after the date of a) post traumatic stress disorder
incurring the first expense; or related syndromes or any
i) Dental expenses other than for psychological or psychiatric
the relief of pain only condition;
j) dental, hearing or optical b) repetitive stress (strain) Injury
expenses (including but not or syndrome or any gradually
limited to dental crowns, dental operating cause;
veneers, dental treatment c) any illness or disease not
such as root canal procedures, directly resulting from Bodily
hearing aids and the like) other Injury;
than those incurred in providing d) Any claim in excess of the
the minimum treatment Maximum Limit per Insured
necessary to relieve pain and Person as shown in the
discomfort for the duration of Schedule.
the Journey; e) a Journey.
k) costs of medication known
by the Insured Person to be 4. We will not pay any claim under
required or continued whilst on Section C (personal Liability) of this
a Journey; Policy for:
l) treatment or Hospital a) liability in respect of bodily
confinement which in injury to any person who is:
any way arises from or is i) under a contract of service
attributable to any Human or apprenticeship with the
Immunodeficiency Virus Insured or Insured Person
infection or related syndrome when such injury arises out
unless it can be proved to Our of and in the course of their
reasonable satisfaction and employment by the Insured
their medical advisors that this or Insured Person; or

19
 ii) a member of the Insured accommodation occupied
Person’s family; by the Insured Person in
b) liability in respect of loss of or the course of a Journey; or
damage to property: ii) any wilful or malicious act;
i) belonging to or in the care, or
custody or control of the e) any liability assumed by the
Insured Person. Insured Person under any
ii) However this exclusion shall contract or agreement unless
not apply in respect of loss such liability would have
of or damage to buildings attached in the absence of such
and their contents not contract or agreement;
belonging to but temporarily f) punitive or exemplary damages;
occupied by an Insured g) the carrying on of, or engaging
Person in the course of a in, any:
Journey; i) trade, business or
c) liability in respect of bodily profession; or
injury loss or damage caused ii) activities or volunteer work
directly or indirectly in organised by, or under the
connection with the ownership, auspices of, a charitable,
possession or use by the voluntary, not for profit,
Insured Person, their servants social or similar organisation
or agents of: when liability for such
i) mechanically propelled activities or work should
vehicles (other than golf reasonably be included
buggies used on golf courses within the organisation’s
and not on public roads); or own Public Liability policy.
ii) aircraft, hovercraft, h) liability directly or indirectly
watercraft (other than non occasioned by happening
mechanically powered through or in consequence of
watercraft less than 30 feet War.
in length used on inland
waters); or
iii) firearms (other than
sporting guns);
d) liability in respect of bodily
injury loss or damage arising
directly or indirectly in
connection with:
i) the ownership, possession
or occupation of land
or buildings, immobile
property or caravans
other than temporary

20
Policy conditions
Adjustable Premiums €10,000 or any other sum Insured
as shown in the Schedule whichever
If it has been agreed that any part of is the lower.
the premium, being based on estimated 4. Any contributory degenerative
numbers, is adjustable then the condition or disablement (as
Insured shall within 30 days of the end determined by a Qualified Medical
of the Period of Insurance provide Practitioner) known by the Insured
the actual numbers to Us and the Person to be in existence at the
premium will be adjusted accordingly. time of sustaining Bodily Injury
will be taken into account by Us
in assessing the level of benefit
Assignment payable.
5. If the aggregate amount of all
Subject to the General Condition benefits payable under this Section
headed ‘Payment of Benefits’, the exceeds the applicable Aggregate
benefits under this Policy may not Limit the benefit amount payable
be assigned by the Insured Person. for each Insured Person shall be
We shall not be bound to accept or proportionately reduced until the
be affected by any notice or any trust, total of all benefits does not exceed
charge, lien, purported assignment or such Aggregate Limit. Where one
other dealing with or relating to this or more Policies has been issued by
Policy. Us in the name of the Insured, only
the greatest Aggregate Limit shall
apply over all.
Benefit limits

1. We will not pay more than the Cancellation

Maximum Limit for benefits 1 to 5
or any other sum Insured as shown We may cancel this Policy by giving
in Section B Injury of the Schedule thirty days written notice to the
for any Insured Person. Insured at their last known address
2. We will not pay more than one of and in such event the Premium for
the Benefits 1 to 5 shown in Section the period up to the date when the
B Injury of the Schedule in respect cancellation takes effect shall be
of any one Insured Person for calculated and Chubb shall promptly
Bodily Injury arising from the return any unearned portion of the
same loss. Premium paid.
3. The Maximum Limit payable in
respect of Death of an Insured In the event of cancellation by Us
Person under 16 years of age or the Insured must notify all Insured
under 18 years of age and in full Persons of such cancellation.
time education shall not exceed

21
 The Insured Person may withdraw Disappearance
from the cover provided by this Policy
at any time by giving notice to the If an Insured Person disappears and
Insured. No refund of Premium will after a suitable period of time it is
be payable. reasonable for the Police or registration
authorities to believe that such Insured
The Insured may not cancel this Policy. Person has died as a result of Bodily
Injury, the Death benefit shall become
We reserve the right to retain the payable subject to a signed undertaking
annual Premium where claims have being given by the executor’s of the
occurred in the Period of Insurance deceased’s estate that if the belief is
when cancellation takes place. subsequently found to be wrong such
Death benefit shall be refunded to Us.

Change in Business description

Insurance Act 1936
The Insured shall give written notice
within a reasonable time of any All moneys which become or may
alteration in the Insured’s business. become due and payable by Chubb
under this Policy shall be in accordance
with Section 93 of the Insurance
Compliance with Policy Act 1936 be payable and paid in the
Requirements Republic of Ireland.

Where the Insured or the

Insured Person or their personal Interest
representatives do not comply with
any obligation to act in a certain way No sum payable by Us under this Policy
specified in this Policy We reserve the shall carry interest unless payment
right not to pay a claim. has been unreasonably delayed by Us
following receipt of all the required
certificates, information and evidence
Declarations necessary to support the claim.

The Insured must, within 15 days Where interest becomes payable by Us,
of the end of each month, forward a it will be calculated:
declaration containing details of, and 1. from the date of final receipt of such
the premiums paid by, Insured Persons certificates, information or evidence
(who have booked courses with the and
Insured during that month and who 2. at the base rate established by the
have elected to take out this insurance) European Bank on such date.
to the Intermediary for onward
transmission to Us.

22
Material Disclosure receipt of such Insured Person shall
be a sufficient discharge of Our liability
It is the Insured’s and Insured to indemnify or pay the benefits
Person’s responsibility to provide concerned.
complete and accurate information to
Us when applying for and throughout
the life of this Policy. It is important Reasonable Precautions
that all statements made in the
application, over the telephone, on The Insured and Insured Person shall
claim forms and other documents are take all reasonable steps to avoid or
full and accurate. Please note that if the minimise any loss or damage.
Insured or the Insured Person fails
to disclose any material information to
Us this could invalidate the insurance Stamp Duty
cover and could mean that part or all of
a claim may not be paid. The appropriate stamp duty has
been or will be paid to the Revenue
Commissioners in accordance with the
Misdescription provisions of Section 19 of the Finance
Act 1950 as amended.
This Policy will be voidable in the event
of misrepresentation, misdescription
or non-disclosure of any material
particular by or on behalf of the
Insured or the Insured Person.

Other Taxes or Costs

We are required to notify the Insured

Persons that other taxes or costs may
exist which are not imposed by Us.

Payment of Benefits

Notwithstanding the General Condition

headed ‘Assignment’, where in
relation to any Claim the Insured, at
its discretion, directs Us to do so, We
shall pay benefits to, or indemnify,
a named Insured Person and the

23
 Claims notification and conditions
Claims notification Claims Conditions

On the happening of any occurrence 1. The Insured Person shall as soon

likely to give rise to a claim: as possible after the occurrence of
any Accidental Bodily Injury or
1. For Medical Expenses over €250 Illness:
or where In-patient treatment is a) obtain and follow the advice of a
required contact: Qualified Medical Practitioner;
b) co-operate with and follow
Chubb Assistance on 01 4401762 the advice of an independent
rehabilitation case manager
2. For where appointed by Us
a) Medical Expenses claims (other and We shall not be liable for
than those involving In-patient any consequences of the Insured
treatment) under €250 and Person’s failure to cooperate and
b) all other claims contact: obtain and follow such advice and
O’Driscoll O’Neil DAC T/A Study use such appliance or remedies as
And Protect may be prescribed.
17 Herbert Place
Dublin 2. In the event of the Death of the
T 01 6395800 Insured Person, We will be
E [email protected] entitled to have a post-mortem
examination carried out at our
or expense. The benefit payable for
Death will be paid to the estate of
The Chubb Claims Service Team such Insured Person.
Chubb
5 Georges Dock 3. The Insured and/or Insured
IFSC Person shall at their own expense
Dublin 1 furnish Us such certificates,
T (01) 4401700 (Within information and evidence as We
Ireland only) may from time to time reasonably
I +353 (1) 4401700 require in the form prescribed by
F (01) 4401701 Us. We shall be allowed at our
E [email protected] expense, upon reasonable notice to
the Insured, to request a medical
as soon as reasonably possible after the examination of an Insured Person
date of the occurrence. as appropriate.

24
4. If any claim under this Policy shall
be in any respect fraudulent or if
any fraudulent means or devices
shall be used by the Insured or
anyone acting on the Insured’s
behalf or by an Insured Person
or any Insured Person’s Legal
Representatives to obtain benefit
under this Policy We shall be under
no liability in respect of such claim.

5. Claims involving foreign currency

will be converted into the currency
in which the premium and benefits/
indemnity limits are shown, at the
selling rate of exchange published
by the European Central Bank on
the day nearest to the date of the
loss.

6. Any Excess, where applicable,

will apply separately under each
section, in respect of each and
every claim and for each Insured
Person.

25
 Complaints procedures
We and O’Driscoll O’Neil DAC T/A Their contact details are given below.
Study And Protect are dedicated to A leaflet explaining the procedure is
providing a high quality service and available on request.
want to maintain this at all times. If it
is felt that a first class service has not Financial Services and Pensions
been offered or a complaint must be Ombudsman
made regarding this insurance please 3rd Floor
contact: Lincoln House
Lincoln Place
a) O’Driscoll O’Neil DAC T/A Study Dublin 2
And Protect D02 VH29
17 Herbert Place T (01) 567 7000
Dublin E [email protected]
T 01 - 6395800 W www.fspo.ie
E [email protected]
Insurance Ireland
b) The Accident & Health Manager 5 Harbourmaster Place
Chubb IFSC
5, Georges Dock Dublin 1
International Financial Services T 01 676 1914
Centre F 01 676 1943
Dublin 1 E [email protected]
T 1800 707170 W www.insuranceireland.eu
E [email protected]
The existence of these complaint
quoting Policy details. procedures does not reduce an
Insured Person’s Statutory Rights
We are a member of the Financial relating to this Policy. For further
Services and Pensions Ombudsman, information about Statutory Rights,
which may be approached for an Insured Person should contact
assistance in limited circumstances if the Competition and Consumer
there is still dissatisfaction with Our Protection Commission.
response.

26
European online dispute
resolution platform
If you arranged your Policy with Us We are part of a global group,
online or through other electronic and Insured Persons’ personal
means, and have been unable to information may be shared with its
contact Us either directly or through group companies in other countries as
the Financial Services and Pensions required to provide coverage under this
Ombudsman, you may wish to register policy or to store Insured Persons’
your complaint through the European information. We also use a number
Online Dispute Resolution platform: of trusted service providers, who will
http://ec.europa.eu/consumers/odr/. also have access to Insured Persons’
Your complaint will then be re-directed personal information subject to Our
to the Financial Services and Pensions instructions and control.
Ombudsman and to Us to resolve.
There may be a short delay before We Insured Persons have a number of
receive it. rights in relation to their personal
information, including rights of access
and, in certain circumstances, erasure.

Data protection This section represents a condensed

explanation of how We use personal
We use personal information which information. For more information,
the Insured supplies to Us or, where We strongly recommend the Insured
applicable, to the Insured’s insurance and the Insured Persons read its user-
broker in order to write and administer friendly Master Privacy Policy, available
this Policy, including any claims arising here: https://www2.chubb.com/
from it. ie-en/footer/privacy-policy.aspx. The
Insured and the Insured Persons can
This information will include basic ask Us for a paper copy of the Privacy
contact details such as Insured Policy at any time, by contacting Us at
Persons’ names, addresses, and policy mailto:dataprotectionoffice.europe@
number, but may also include more chubb.com.
detailed information about Insured
Persons (for example, their age, health,
details of assets, claims history) where
this is relevant to the risk We are
insuring, services We are providing or
to a claim the Insured or the Insured
Person is reporting.

27
Chubb European Group SE trading as Chubb, Chubb Bermuda International and
Combined Insurance, is authorised by the Autorité de contrôle prudentiel et de
résolution (ACPR) in France and is regulated by the Central Bank of Ireland for
conduct of business rules. Registered in Ireland No. 904967 at 5 George's Dock,
Dublin 1. Chubb European Group SE is an undertaking governed by the provisions of
the French insurance code with registration number 450 327 374 RCS Nanterre and
the following registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade
Nord, 92400 Courbevoie, France. Chubb European Group SE has fully paid share
capital of €896,176,662.
C1203/15 0119