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Policyholder Manual PAGE 1
 Table of Contents
1.0 Definitions 3

2.0 Objective of the Insurance 5

3.0 Beneficiary 5

4.0 Insurable Group and Adhesion Conditions 6

5.0 Coverages of the Insurance 6

6.0 Coverages and Assistance 17

7.0 Excluded Perils - Insurance 19

8.0 Loss of Rights 23

9.0 Insurance Cost, Collection and Payment 24

10.0 Duration and Individual Risk Renovation 24

11.0 Cancellation and Rescission 25

12.0 Proceedings in Case of Claim 26

13.0 Geographic Scope of the Coverage 33

14.0 Jurisdiction 33

15.0 General Provisions 33

Policyholder Manual PAGE 2

 1.0 Definições

Policyholder Manual
An integral part of the Travel Insurance Policy
Conditions of the World Nomads Travel Insurance

Travel Insurance is not a Health Insurance! Please carefully read this policy
wording to understand your rights and obligations, as well as the limits
applied to the coverages.
This document contains the main characteristics, coverages and ex-
clusions of your insurance. The full terms and conditions of coverage
are contained within the Zurich Travel Insurance General Conditions,
which is available at www.worldnomads.com.br and provided to the
Insured at the time of purchase. It is advisable to read the same so
that all coverages, rights and obligations of the parties are known.

1.0 Definitions
For the effect of these insurance provisions, the following definitions are agreed:
1.1. Personal Accident: An event occurred at a characterized date, exclusively and directly
external, sudden, involuntary, violent and causing physical lesion that, on its own and
independently of all and any other cause, has as direct consequence death or total or
partial permanent disability of the Insured or that turns necessary medical treatment.

1.2. Claim Notification: The document through which a

claim is reported to the Insurance Company.

1.3. Baggage: it is considered as luggage all items/parcels owned by the Insured that
are checked and thus under the care of the air, overland or maritime transportation
Company. Important: It is not considered as baggage for the purposes of
this insurance any item/parcel not checked by the transportation Company
and that is transported under the care of the Insured (hand baggage).

Policyholder Manual PAGE 3

 1.4. Beneficiary: A natural person entitled to the indemnity payment 1.15. Responsible or Assistant Doctor: The doctor who may be providing assistance to the
in the event of the occurrence of a covered claim. Insured or who has already provided continued assistance to the latter. A professional
legally licensed for practicing medicine. It will not be accepted as Responsible or
1.5. Insured Capital: This is the maximum payable value by the Insurance
Assistant Doctor the Insured himself/herself, his/her spouse, dependents, relatives
Company in relation to each one of the purchased contractual coverages,
by blood or by affinity, even where these are qualified to exercise medical practices.
resulting from a covered claim, which is in force at the claim date.
1.16. Family Member: It is considered as members of the Insured’s family his/
1.6. Ticket: A document issued by the Insurance Company that
her father, mother, sons and daughters and his/her brothers and sisters.
formalizes the acceptance of the coverage requested by the Insured
that substitutes an individual policy and exempts the filling of a 1.17. Premium: The value corresponding to each one of the
proposal, pursuant the terms of the specific legislation. payments intended to fund the insurance.

1.7. Coverage: The protection against a certain risk purchased by 1.18. Time Limitation: The loss of right to arrogate to oneself all and any claimed request of
the Insured, pursuant the conditions of the Ticket. interest, due to the elapsing of a term determined under the legal statutes of limitations.

1.8. Contractual Conditions: A group of provisions that governs the purchase of a 1.19. Proponent: Somebody interested in purchasing a contractual insurance
contract, including the General Conditions, the Special Conditions of the Ticket. coverage or coverages and in adhering to the contract.

1.9. Moral Damage: All and any offense or violation that, even not causing damages 1.20. Covered Exposure or Event: A possible, future and uncertain occurrence
to the assets of a person, offends his/her principles and values of moral order. that does not depend on the will of the parties and the occurrence of which
Moral damage is a risk excluded from all coverages of this insurance. obliges the Insurance Company to pay a due indemnity, provided that the same
is not classified as excluded peril, observing the contractual conditions.
1.10. Preexisting Diseases, Lesions and Sequelae: are those, inclusive
congenital, that the Insured or his/her responsible knew that the same 1.21. Excluded Perils: These are those risks set forth under the General and/
was already carrying or suffering at the date at which the Adhesion or Special Conditions that are not covered under this insurance.
Proposal was signed and that were not declared under the latter.
1.22. Insured: A natural person who is exposed to the risks set forth under the purchased
1.11. Representative: A legal entity or a natural person authorized to contractual coverages, who has purchased this Travel Insurance and who has been
commercialize insurances on behalf of the Insurance Company. actually accepted by the Insurance Company and has been included into this Insurance.

1.12. Insurable Group: The total of natural persons linked to a Representative, 1.23. Claim: The occurrence of a covered peril under this Ticket during
who holds conditions to be included into this insurance. the coverage validity term of the individual coverage.

1.13. Indemnity: A value to be paid by the Insurance Company in 1.24. Coverage Validity Term: The time period informed under this Ticket,
the event of the occurrence of a claim, limited to during which the purchased contractual coverages for each one of the
accepted Insureds are in force, observing the conditions of the same.
1.14. Punitive Damages: Indemnities resulting from civil lawsuits as punishment for any
misconduct of the Representative or of the Insured, not intended to restore a loss of 1.25. Waiting Period: A continuous period of time, counted from the inception
the Insured or of a claiming third party. Punitive Damages are excluded perils from date of an individual coverage, during which, should a claim occur, the
all coverages of this Insurance. Insured or his/her Beneficiaries have no right to receive an indemnity.

Manual Do Segurado PAGE 4

 2.0 Objective of this Insurance
The objective of this insurance is to indemnify or to make reimbursements to the Insured
or to his/her Beneficiaries, within the scope of the agreed limits and pursuant the pur-
chased contractual coverages and capitals, in case of the occurrence of a covered event.

3.0 Beneficiaries
3.1. Death Coverages: These will be freely determined by the Insured and are
mentioned under this Ticket, being that they may be replaces at any given time
by means of formal request, duly filled and signed. A person who is legally
prevented from receiving donations made by the Insured cannot be instituted
as Beneficiary. Where the beneficiary indication is missing, or where, by any
reason, the made indication cannot prevail, the Insured Capital will be paid
half to the not judicially separated spouse and the remainder to the heirs of
the Insured, observing the order of the hereditary vocation. In the absence of
persons indicated under this item, the beneficiaries will be those who prove that
the Insured’s death deprived them from the necessary subsistence means.

3.2. Disability and Coma Coverages: The Insured himself/herself. In case of claims that
causes total and incurable mental insanity of the Insured, the indemnity will be
paid to the legal responsible or to the judicially appointed guardian, considering
that the Insured became absolutely incapacitated for acts of the civil life.

3.3. Coverage of Travel Cancelation and Travel Disruption due to death, accident
or illness: The Insured himself/herself. In case of the Insured’s death, the
reimbursement of due expenses will be made to whoever proves that has accepted
the liability for the payment of these or to the Beneficiary of the Insured.

3.4. Coverages of Sanitary Repatriation from Overseas Travel

and of Medical Transportation: The Insured himself/herself or
whoever proves that has accepted the liability for the payment
of repatriation or transportation expenses of the Insured.

3.5. Coverages of Transportation of Human Remains and of Funeral:

Whoever proves that has accepted the liability for the payment of
expenses for the transportation or funeral of the Insured.

Policyholder Manual PAGE 5

 3.6. Coverages for Sending a substitute Executive and Repatriation of minors and/ 5.2. Dental Expenses Overseas (DE-O) Cover
or of elderlies: The Insured himself/herself or whoever is assigned by the same. This cover guarantees refunds for dental expenses incurred by the Insured person
for treatment, under medical supervision, arising from personal accident or sudden
3.7. For the Remainder coverages: The Insured himself/herself.
and acute illness overseas and once departure from the Insured person's country of
residence is confirmed, within the limit of the Sum insured and subject to other Policy
Conditions.
4.0 Insurable Group and Adhesion Conditions Acute episodes caused by a preexisting or chronic condition are covered if they lead
4.1. All clients of World Nomads (Representative) may be insured, with up to to a clinical emergency or urgency situation, up to the limit of the Sum insured in
seventy (70) years of age at the travel inception date whoever, on becoming the policy for expenses related to stabilisation of the condition to allow the Insured
aware about the insurance conditions, express their interest in purchasing person to resume travel or return to their place of residence, with no cover for follow-
the same, by means of an Insurance Ticket and in paying the premium. up and control of previous treatments, check-up, or refill of prescriptions.

For the purpose of the provisions of this item:

a) "Emergency" refers to situations in which the Insured person requires

5.0 Insurance Coverages immediate care due to risk of death; and

5.1. Medical, and Hospital Expenses Overseas (MHE-O) Cover b) "Urgency" refers to situations in which the Insured person requires care
This cover guarantees refunds for medical and hospital expenses incurred by the not classified as emergency care and can await emergency assistance.
Insured person for treatment, under medical supervision, arising from personal
5.3. Special Conditions for Additional Cover for Complementary Medical and
accident or sudden and acute illness overseas and once departure from the Insured
Hospital Expenses Overseas (MHE-C-O)
person's country of residence is confirmed, within the limit of the Sum insured and
subject to other Policy Conditions. This cover guarantees refunds for additional medical expenses, i.e., expenses incurred
by the Insured person for treatment that exceed the amount insured by the Medical
Acute episodes caused by a preexisting or chronic condition are covered if they lead and Hospital Expenses Cover Overseas (MHE-O) cover, provided that they are carried
to a clinical emergency or urgency situation, up to the limit of the Sum insured in out under medical supervision, as a result of personal accident or sudden and acute
the policy for expenses related to stabilisation of the condition to allow the Insured illness overseas and once departure from the Insured person's country of residence is
person to resume travel or return to their place of residence, with no cover for confirmed, within the limit of the Sum insured and subject to other Policy Conditions.
follow-up and control of previous treatments, check-up, or refill of prescriptions. This cover does not include events or flare ups arising from preexisting or chronic
For the purpose of the provisions of this item: conditions.

a) "Emergency" refers to situations in which the Insured person requires Acute episodes caused by a preexisting or chronic condition are covered if they lead
immediate care due to risk of death; and to a clinical emergency or urgency situation, up to the limit of the Sum insured in
the policy for expenses related to stabilisation of the condition to allow the Insured
b) "Urgency" refers to situations in which the Insured person requires care person to resume travel or return to their place of residence, with no cover for follow-
not classified as emergency care and can await emergency assistance. up and control of previous treatments, check-up, or refill of prescriptions.

Manual Do Segurado PAGE 6

 For the purpose of the provisions of this item: Fishing (more than 3
Cycling (on an Hunting - excluding
a) "Emergency" refers to situations in which the Insured person requires nautical miles), including
organized tour) big game
immediate care due to risk of death; and deep sea fishing
Cycling on trails Fitness Ice hockey
b) "Urgency" refers to situations in which the Insured person requires care Dance - ballet, ballroom
not classified as emergency care and can await emergency assistance. Flying (as a passenger
dancing, capoeira, salsa, Ice skating - indoor
in a small aircraft)
dance, interpretive
5.4. Additional Cover for Medical, Hospital and/or Dental Expenses Overseas -
Flying (as a passenger
Extended Sports Cover (MDHE-E-O)
on an airplane or
If bought and described in the insurance cover note, this cover guarantees the Darts Ice skating - outdoors
helicopter licensed
extension of the risks covered by the Medical and Hospital Expenses Overseas
regular or chartered)
(MHE-O) and Dental Expenses Overseas (DE-O) covers for events related to personal
Deep sea fishing Football In-line skating
accident or sudden and acute illness arising from the amateur practice of covered
Diving Free diving (up to 50m) Jet boat
sports.
Diving - course to learn
For purposes of this cover extension, the following sports are covered: how to dive/diving with Frisbee Jet ski
qualified instructor
Sports Covered By Insurance Diving - up to 50 meters Fitness training Karting
Kayak - inland and coastal
Abseiling Ballooning Canyon swing Dog sledding Golf waters up to 3 nautical
Acrobatic trampolining Banana Boat tours Canyoning miles, grades 1-5
Acrobatics Basketball Capoeira - non-contact Kayak (beyond than
Dragon boating Gym/fitness training
Bicycle riding (accident 3 nautical miles)
Aerial Safari Cave diving
during a trip) Dune buggy Handball Kayak (sea)
Aerobics Billiards Caving Kayaking in rapids - inland/
Boating - beyond Equestrian Hiking coastal waters up 3
Air guitar Climbing - bouldering
3 nautical miles nautical miles, grades 1-3
Boating - coastal waters Hiking/hiking up to
Alpine skiing Climbing - indoor Equestrian activities Kite boarding
(in white water) 6,000 meters
American football Bowling Cricket Fencing Hiking on glaciers Kite buggy
Archery Bowling - lawn/ten pins Croquet Horse riding - leisure/
Field hockey Kite flying
Athletics Camel or elephant rides Curling outings/non-competitive
Camping - up to 3,000 Fishing - inland and
Badminton Cycle touring coastal waters up to
meters of altitude Horseback riding Kite surfing
Ballet / classical ballet Canoeing Cycling 3 nautical miles, not
including rock fishing

Policyholder Manual PAGE 7

 Kite wing - land and water Squash Tuk tuk - as a passenger
Outdoor endurance Skidoos Stand up paddle surf (SUP)
Rowing - inland/coastal
Kiteboarding on land race - greater than or Skiing/snowboard -
waters - no rapids
equal to ultra distance within resort boundaries, Stilt walking Ultimate frisbee
Kiteboarding on water Outward bound Rugby excluding stunts
Korfball Paintball Rugby - league/union Skiing - cross country/nordic
Stoolball Via ferrata
Lacrosse Passenger in a helicopter Safari skiing on marked trails
Passengers in a light Sailing - beyond 3 Skiing (snowblading (on
Land surfing the designated run, skiing Surfboat Volleyball
private plane nautical miles
Polynesian canoe - inland within resort boundaries))
Martial arts - judo, karate Sailing - coastal waters Skiing/snowboarding Surfing Wake skating
or coastal waters
Sailing - inland/coastal Skiing/snowboarding Wakeboarding -
Martial arts - kickboxing Potholing Swimming
waters up to 3 miles nautical - dry slope excluding jumps
Martial arts - non-contact Quadbiking Sailing - offshore Swimming - indoor
Martial arts - training Queimada Sand skiing Skiing/snowboarding pool, indoor and
Walking
Race - up to half - off-piste outdoor coastal up
Medieval fights Sandboard to 3 nautical miles
marathon distance
Mountain bike (accident Race - up to marathon Scheduled commercial Skiing/snowboarding Swimming - with whales/
Walking up to 6,000
during a trip) distance passenger in flight (on piste or within whale sharks - coastal
meters of altitude
resort boundaries) and non-coastal waters
Mountain bike on trails Racketball Sea canoeing Skijoring Table tennis War games - online games
Mountain run - no Sledding/tobogganing Tchoukball Water polo
Rafting/cave tubing Segway tours
climing equipment Sleigh rides Tennis Water skiing - barefoot
Rafting in rapids Shooting - rifle range Water skiing -
Netball Snorkelling Tough Mudder
- classes 1-3 & clay pigeon excluding jumping
Riding - dressage, Trekking up to Weight training/
Non-manual work Shooting range/shooting Snow mobiling
jumping, eventing 6,000m of altitude bodybuilding - powerlifting
River boarding Skateboarding - Trekking up to 6,000m
Obstacle courses on recognised routes
- grades 1-3 ramps/half pipe
Off-piste/downhill Snow rafting (without ropes, picks Windsurfing
Roller hockey Skateboarding - skate park or other specialist
mountain bike
climbing equipment)
Orienteering Rounders Skateboarding (street)
Windsurfing - inland and
Outdoor endurance race Softball Tubing in rivers
Rowing Skating coastal up to 3 miles nautical
- less than ultra distance
Sports fishing Tubing in the snow

Policyholder Manual PAGE 8

 Work - manual labor Sports Not Covered By Insurance
Work - as an instructor - hospitality, retailing,
or guide in others agricultural labor in Yoga - teacher
Camping - more than Expeditions to Antarctica
activities covered general excluding Alpine skiing
3,000 meters of altitude or the Arctic
work with tools
Australian Football (AFL) Car racing - driver Expeditions to Greenland
Work - non-manual work -
Work - manual labor Zorbing Australian rappelling,
teaching, office, day care Cave diving - more Expeditions to the
Rap jumping, Angel
Work - manual labor - any than 40 meters North Pole
jumping or deepelling
work with power tools Yoga - in the classroom,
Experience in motosport
or work at heights with alone, at home Aviation Cheerleading
- passenger only
less than 5 meters
Base jumping Cliff diving Exploratory expeditions
Expeditions to Antarctica
Bicycle polo Climbing - outdoors
or the Arctic
BMX - jumping/acrobatics/ Climbing - outdoors/
Expeditions to Greenland
freestyle/running with equipment
BMX - off road/on Expeditions to the
Climbing - soloing
track/cross country North Pole
BMX - on road, without Climbing - without Experience in motosport
stunts and jumps equipment - passenger only
Climbing in remote or
Bobsled - in the snow Exploratory expeditions
inaccessible regions
Competing in Flight - as a pilot or
Bobsled - non-snow track international events such passenger of a light
as national representative aircraft private
Cycling - more than 6,000
Boulder/rock climbing Floorball
meters of altitude
Cycling (accident Flying (as a passenger on
Bull riding
during a trip) a glider or ultralight)
Cycling (travel incident;
independent touring; Flying (as a pilot or
Bull run
on organised tour) up to crew of any aircraft)
6,000 meters in elevation
Bungee jumping Dirt boarding Free mountaineering
Bushcraft Free soloing

Policyholder Manual PAGE 9

 Skiing/snowboarding
Hang gliding Parachuting
- racing
High altitude climbing
Paragliding Snow kiting
above 6,000 meters
High diving - up to 10
meters - excluding Parasailing - over land Snowboard competition
cliff diving
Horse riding - polo Parasailing - over water Spearfishing
Horse riding - rodeo Parkour Speed boating
Hydrofoiling Professional risks Speed flying
Psicobloc/DWS (deep-
Ice climbing Spelunking
water soloing)
Ice fishing Race - Ultra marathon Stunt flying
Swimming - beyond
Kite wing - snow Rickshaw run
3 nautical miles
Riding in a motor vehicle
Martial arts - competitions Tandem jump
on high speed riding
Martial arts - fighting
Training of national teams
cage, MMA, kick Sailing/gliding
in any professional sport
boxing, Muay Thai
Mongol Rally Shark cage diving Trapeze
Moped/scooter Skeleton Trekking - Antarctica
Motor sports Ski competition Trekking - Greenland
Trekking - more than
Motorcycling Ski jump
6,000 meters
Motorcycling - off-road Ski stunting Trekking - North Pole
Motorcycling - on-road Ski-flying
Motorcycling (pillion Tuk tuk - races, hire
passenger with a Skiing - freestyle without a driver
licensed driver) license, Rickshaw run
Skiing/snowboarding
Motorcycling in the snow Unaccompanied dive
- acrobatics
Skiing/snowboarding War/Military
Mountaineering
- by helicopter stiumation games
Water skiing - jumping

Policyholder Manual PAGE 10

 Work - work at a height Insured’s body remains from the location of a covered event occurrence to his/
greater than 5 meters, her domicile or to the burial location, being included under these expenses all
platforms off shore, indispensable proceedings and objects for the transportation of human remains
Windsurfing - beyond Working at a height of in case of the Insured’s death resulting from personal accident or from sudden
underground or caves,
3 nautical miles more than 2 meters illness occurred during an insured travel, observing the limit of the Insured Capital.
machinery operation,
or work with dangerous
5.6.1. This coverage is subject to the observation of a waiting
animals/big game
period of seventy two (72) hours, exclusively in case of the
Working with dangerous contractual purchase for already initiated travels.
Work - as a guide, where animals, including large
Wingsuit flying ropes or other climbing cats, crocodiles, alligators, This cover has specific conditions for each type of travel:
eqiupment are needed sharks, hippos, snakes, Land and Rail cover applies only once the Insured person is overseas, according to
elephants or bears type of trip included in the policy, and has entered the country of destination.
Work - involving
Work - instructor or guide Working with Sea: This cover applies from the time of boarding (check in) and once the ship has
dangerous or
- skiing, snowboarding industrial machines sailed to its overseas destination. If the ship stops in national territory before or after
extreme activities
arrival at the international destination, the Insured person will not be covered during
the period of stay.
5.5. Additional Cover for Medical, Hospital and/or Dental Expenses Overseas -
Extended Pregnancy Cover (MHDE-P-O) Air: This cover will apply from the moment the Insured person passes through
If bought and described in the insurance cover note, this cover for pregnant Insured Customs, which is considered international territory.
persons (up to 32 weeks of gestation) guarantees the extension of the risks covered Note: If you are traveling overseas via private overland transport, such as a car or
by the Medical and Hospital Expenses Overseas (MHE-O) and Dental Expenses motorcycle, this cover does not include the vehicle and is limited to the Insured
Overseas (DE-O) covers for events related to personal accident or sudden and acute person and their dependents, if any.
illness arising from pregnancy.
5.7. Sanitary Repatriation from overseas travels:
Emergency or urgency cases are covered, but not routine or scheduled services. This covers the indemnity of expenses incurred for repatriation
From the 33rd week of gestation, only care arising from a personal accident will be transportation of the Insured to the location of his/her domicile, where
covered. the same is not in conditions for returning as a regular passenger due to
Refunds for this cover do not accrue with the refunds provided by the Medical covered personal accident or illness, observing the Insured Capital.
and Hospital Expenses Overseas (MHE-O), Dental Expenses Overseas (DE-O), and
5.7.1. The decision about the need of a sanitary repatriation of the Insured will
Complementary Medical and Hospital Expenses Overseas (MHE-C-O) covers. In case
rest at the exclusive discretion of a medical team in accord with the medical
of an event related to the Insured person's pregnancy, the limits of the Sums insured
opinion of the responsible doctor for providing assistance to the former.
and other provisions of this cover shall be observed.
5.7.2. The repatriation may have as destination the Insured’s domicile or a medical
5.6. Transportation of Human Remains:
clinic located within the latter, depending on the repatriation purpose, i.e.:
This covers the indemnity of expenses for releasing and transportation of the
convalescence at home or the continuity of a medical and hospital treatment.

Policyholder Manual PAGE 11

 5.7.3. The conveyance to be used will be whichever is considered as more appropriate 5.9.1. This coverage for the insurance of minors under fourteen (14) years of
at the discretion of the medical staff, being that, where the Insured is located age, is intended only to the reimbursement of expenses for funerals that
at a distance superior to 1.000 kilometers far from his/her domicile, the must be proven by means of the submission of the specified original
repatriation will only be covered by means of regular airline service. bills that may be substituted, at the Insurance Company’s discretion,
by other satisfactory proof of expenses, being included amongst
funeral expenses those incurred for the transportation, being not
5.7.4. It will be covered, where necessary, the costs for organizing the covered expenses for the purchase of land, graves or headbands.
repatriation travel with coordination at the embarkation and at the
5.10. Total or Partial Permanent Accidental Disability:
disembarkation and the necessary infrastructure, such as ambulance,
This covers the payment of indemnities in case of total or partial loss, functional
ancillary medical apparatus and accompanying medical or nurse.
decrease or impotence of limbs or organs defined under the Special Conditions of
5.7.5. The return tickets must be used, negotiated or offset with the this Coverage, due to a physical lesion suffered by the Insured, caused by personal
transportation companies in favor of the sanitary repatriation. accident occurred during the travel period, observing the limit of the Insured Capital.
Where it is necessary to cancel the initial tickets, the reimbursement
value for these will be deducted from the indemnity. 5.11. Baggage:
This covers the payment of indemnities limited to the maximum purchased contrac-
5.7.6. This coverage is subject to the observation of a waiting tual value in case of robbery, total loss or theft of one or more items of the Insured’s
period of seventy two (72) hours, exclusively in case of the baggage or the destruction of these item in consequence of accident or fire involv-
contractual purchase for already initiated travels. ing a conveyance of the insured travel, provided that:

5.8. Medical Transportation: 5.11.1. The disappearance or the total loss of the claimed item(s) has occurred;
This covers the indemnity of expenses for the removal or transference of the In-
5.11.2. The covered peril has occurred after checking the baggage by the
sured to the closest clinic or hospital with conditions of providing services to the
transportation company and before the Insured could collect the
same, due to covered personal accident or illness during the insured travel, observ-
same at the travel or stretch termination of the insured travel;
ing the limit of the Insured Capital.
5.8.1. This coverage is subject to the observation of a waiting period of seventy 5.11.3. The Insured has submitted an official claim against the
two (72) hours, exclusively in case of the contractual purchase for already transportation company and has filled an information form about
initiated travels. the irregularity before leaving the disembarkation location;

5.8.2. This coverage comprises, where required by a doctor or by a medical staff 5.11.4. The transportation company has attested the total
responsible for the provision of services, more than one removal, observing loss of the claimed baggage item(s); and
the purchased contractual Insured Capital.
5.11.5. The Insured travels in the condition of passenger of a plane, related
5.9. Accidental Death: to a regular airline, train, vessel or bus that holds a license provided by
This covers the payment of the Insured Capital in case of the Insured’s death due to competent authorities for the transportation of passengers by means
personal accident occurred during the travel period. of charging transportation fares and of issuing baggage tags.

Policyholder Manual PAGE 12

 5.11.6. Important:

a. It is understood as insured baggage a group of items handed over

by the Insured to the transportation company, either by air, by
road, by railway or by sea and that are under the care of the latter,
by means of a receipt of this handing over, such as suitcases, boxes
and further closed items. It will not be covered unchecked objects
that remain under the care of the Insured (hand-baggage).

b. From the indemnity it will be deducted any values directly

paid to the Insured by the transportation company
by way of reimbursement for the same event.

c. Where the baggage is located and recovered, totally or

partially, the Insured may accept the return of the latter
and, in this case, the same will proportionally return to the
Insurance Company the already indemnified value.

5.12. Travel Cancellation:

This coverage covers the payment of indemnities of non-refundable expen
ses for advanced cancellation of the insured travel, resulting from the events
that are listed below, provided that they have occurred after the purchase of
the insured travel, observing the limit of the Insured Capital.

a) Death by natural or accidental causes of the Insured, of his/her spouse,

parents, children, siblings, parents in-law, brothers in-law or of the person
responsible for the custody of the Insured’s dependents during the travel;
b) Illness or personal accident that prevents the travel as per medical
determination in the case of the Insured, or that requires a sudden and
acute hospitalization for more than twelve (12) hours in the case of his/her
spouse, parents, children or siblings or of the person responsible for the
custody of dependents of the Insured during the travel;
c) The attendance to a non-postponable judicial summons;
d) Death, illness or accident involving a direct hierarchical superior or
subordinate of the Insured, provided that this situation prevents the same
from carrying out a travel due to a request of the company where the

Policyholder Manual PAGE 13

 Insured is employed; of the ticket, for the returning of the Insured, resulting from the events mentioned
below, occurred with the Insured, with his/her spouse, parents, children, siblings,
e) Severe damages caused by fire, explosion, lightning, robbery, flood or
parents-in-law, son-in-law, daughter-in-law or brothers-in-law, observing the limit of
windstorm involving the habitual residence of the Insured or the company
the Insured Capital.
where the same is a partner and where his/her presence is imperatively
necessary; a) Death by natural or accidental causes;
f) Professional dismissal of the Insured with no fair cause;
b) Illness or personal accident that prevents the travel continuity by
g) The need of rest by the Insured, or by his/her spouse, by medical medical determination, in the case of the Insured, or that requires
determination, resulting from high-risk pregnancy, always where sudden and acute hospitalization for more than twelve (12) hours
this risk has initiated after the purchase of the insured travel contract; in the case of his/her spouse, parents, children, siblings, parents-
in-law, sons-in-law, daughters-in law or brothers-in-law.
h) Cancellation of the travel of the person who would escort the
Insured, resulting from one of the above mentioned above; 5.13.1. The non-refundable expenses will be calculated pursuant the suppliers’
norms, such as cancellation or rescheduling fares as in the case of air tickets.
i) Admission to a new job; For the calculation of expenses proportionally to the total period of the stay
that do not allow any reimbursement or discount made by a service provider
j) The act of any of the companies hired to
or a tourism operator, the total value of these will be divided by the number
conduct the insured travel that prevents the
of the travel days and multiplied by the number of not enjoyed days.
Insured from initiating his/her travel at the scheduled date;

k) Declaration of sanitary authority imposing quarantine 5.14. Pharmaceutical Expenditures due to Accident or Illness:
upon the Insured that prevents the insured travel inception. This coverage ensures the reimbursement of expenses for the purchase of emer-
gency medications, incurred by the Insured for his/her immediate treatment under
5.12.1. The expenses comprised by this coverage consists of the difference medical or dental guidance, resulting from personal accident or sudden and acute
between the paid value for the insured travel and the value reimbursed illness occurred during the travel period, observing the limit of the Insured Capital.
by hired companies (transportation company, hotels, tourist agency
or operator), or of the difference of fares in case where the travel 5.14.1. It is covered the expenses for the purchase of medications and materials for
is rescheduled, or yet of costs for transferring the travel to other emergency curative prescribed by the virtue of an also emergency medical or
person, limited, in this last case, to the travel cancellation expenses. dental assistance.

Deductible in case of hospitalization: the period must be a minimum of twelve (12) 5.15. Physiotherapy resulting from Accident or Illness:
hours. This coverage ensures the indemnity of expenses for emergency physiotherapy
treatment incurred by the Insured, under medical guidance, resulting from personal
5.13. Travel Disruption due to Death, Accident or Illness: accident or sudden and acute illness occurred during overseas travel period and
This coverage ensures the indemnity of irrecoverable expenses related to days that provided that it is ascertained his/her departure from the country of domicile,
were not enjoyed due to forced insured travel disruption, including rescheduling of observing the limit of the Insured Capital.
return tickets to the location where the travel was initiated, in the same original class
5.15.1. It is covered expenses for the assistance of a professional

Policyholder Manual PAGE 14

 physiotherapist legally qualified, provided where the same is 5.17. Delayed Flight:
imperative for enabling the Insured to continue the travel or This coverage ensures the reimbursement of expenses for meals, transportation
to return to the local of origin of his/her insured travel. and lodging of the Insured where his/her flight is delayed for a period superior
to four (4) hours in relation to the departure scheduled time, as long as the
5.16. Delayed Baggage: delay lasts, observing the limit of the Insured Capital, and provided that:
This coverage ensures the payment of the Insured Capital by way of emergency
financial allowance to the Insured in the event where his/her baggage is totally or a) The delay is caused by adverse weather conditions,
partially lost and is not found within a term of up to twelve (12) hours counted as labor issues or sudden breakage of the aircraft;
of the communication about the loss to the transportation company, observing the
b) The Insured travels under the condition of passenger on a plane of a
remainder Ticket conditions, provided that:
regular airline, by means of charging transportation fares and the issuance
a) The total disappearance of the claimed baggage item(s) has occurred; of boarding pass, being excluded from this coverage chartered flights;

b) The loss has occurred after baggage was handed over to c) The Insured has submitted a formal claim against the responsible airline
the transportation company and before the Insured could collect company and that the expenses were accepted by the latter but not
the same at the end of the insured travel or the stretch of the totally paid because these exceed eventual reimbursement limit.
insured travel;
5.17.1. The coverage prevails as long as the passenger waits for options offered by
c) The Insured has submitted an official claim against the the airline company for solving the problem, according to the legal liability
transportation company and filled the irregularity information of the latter, and ceases where an agreement is reached about a solution,
before leaving the disembarkation location; such as the receival of the air ticket reimbursement, the embarkation on the
next available flight or the rescheduling of the flight for other date or hour.
d) The Insured travels under the condition of passenger on a plane of a
regular airline, train, vessel or omnibus holding a license provided by a 5.17.2. The indemnity will be the value of expenses proven by the Insured
competent authority for the transportation of passengers by means deducted from the value undertaken by the responsible airline
of charging transportation fare and the issuance of baggage tags; company, limited to the purchased contractual Insured Capital.

e) The delay does not occur on the return of the Deductible: four (4) hours counted as of the scheduled departure time.
Insured to his/her residence location.
5.18. Expenses due to Loss of Air Connection Flight:
5.16.1. For the purposes of this coverage, it is understood as baggage the set This coverage ensures the reimbursement of expenses for meals, transporta-
of items handed over by the Insured to the transportation company, tion and lodging of the Insured where the same misses an international flight
either by air, roadway, railway or sea, and that these are under the liability connection due to a delay of a transportation company affiliated to IATA (In-
of the same, by means of a delivery receipt, such as suitcases, boxes and ternational Air Transport Association), for a period superior to four (4) hours in
further closed parcels. It will not be covered the objects and items not relation to the arrival time of the initial flight, until securing the next available
checked that remain under the liability of the Insured (hand baggage). flight that is similar to the lost connection, observing the limit of the Insured
Capital and provided that:
Deductible: twelve (12) hours, counted as of the loss report to the
transportation company. a) The delay was motivated by adverse weather condition, labor issue
or sudden breakage of the aircraft that interfere with the scheduled
Policyholder Manual PAGE 15
 departure or the arrival of the previous flight to the missed connection;

b) The Insured is travelling in the condition of passenger of a regular

airline plane, by means of a transportation fare and the issuance of a
boarding pass, being excluded from this coverage chartered flights;

c) The Insured has submitted a formal claim against

the responsible airline company.

5.18.1. Where the connection is not with the same airline company or where the
same was not included under the same issued ticket, the minimum time
between the expected arrival of the previous flight and the departure time
of the connection flight must be compatible with the necessary time for
disembarkation, baggage collection, safety and immigration procedures,
transportation between the connection airport terminals, check-in
and checking the baggage for the connection flight, where it must be
available for the purposes of this coverage a minimum of four (4) hours.

Deductible: four (4) hours counted as of the initially scheduled arrival time for the
delayed flight that caused the loss of the connection.

5.19. Sending a Companion:

This coverage ensures the reimbursement of expenses for the purchase of econo-
my class round-trip air fares or of a regular overland transportation line round-trip
tickets, as well as for lodging and meals, intended to send a person indicated by the
Insured who resides in Brazil, where the Insured, traveling alone, is hospitalized for a
period set forth by a responsible doctor superior to ten (10) days, caused by person-
al accident or sudden and acute illness occurred during the travel period, observing
the Insured Capital.

5.19.1. It will be covered expenses for lodging and meals of the sent
companion until the Insured receives medical discharge.

Deductible: ten (10) days of hospitalization for the Insured.

5.20. Repatriation of Minors and/or Elderlies:

This coverage ensures the reimbursement of expenses for the purchase of econo-
my class air tickets or for a ticket of overland regular line transportation, round-trip
ticket, in order that an adult who resides in Brazil may go to meet and escort the

Policyholder Manual PAGE 16

 repatriation to the domicile of minors of twelve (12) years of age and/or of elderlies the airline for forwarding his or her luggage when found.
who demonstrably cannot travel unaccompanied, where the Insured who has travelled
This service will be provided for thirty (30) calendar days as of submission of the PIR.
with the company of these minors or elderlies is hospitalized during the period set forth
by a responsible doctor for more than forty eight (48) hours due to personal accident or Assistance Services will not be responsible either for recovering or returning the
a sudden and acute illness, occurred during the insured travel, observing the limit of the missing luggage, or for any inaccurate information provided by the airline or the
Insured Capital. User.

5.21.1. It is incumbent to the Insured and to his/her family the choice 6.4. Assistance in event of Theft & Robbery of Documents:
of the adult who will escort the repatriation of minors and/or In the event of loss, theft or robbery of any personal document that is strictly
elderlies, being under its full responsibility to verify the necessary required for proceeding with the trip, Assistance Services will make its best efforts
authorizations for minors travelling with third parties. to provide Insured with information on how to deal with the local police, addresses
Deductible: forty-eight (48) hours of hospitalization for the Insured. or phone numbers for consulates or embassies, credit card phone numbers for
cancelling credit cards, etc. Furthermore, we may contact family members to obtain
copies of such documents.

6.0 Coverages & Assistance 6.5. Concierge:

Assistance Services agrees to provide and organize all services described in this
6.1. Legal Aid in Case of Traffic Accident: Application, but the User will be responsible for paying the costs incurred for
A lawyer will be appointed at the place where the accident occurred is brought for car execution of the requested services. The User will pay for the services directly to the
accident liability. Assistance Services assumes no responsibility for how the case will be provider appointed and made available by Assistance Services. Assistance Services is
decided. responsible for providing assistance to the User, referring User to the providers and
services described herein; contacting providers, scheduling a visit and monitoring
6.2. Transmission of Urgent Messages: the services.
If the Insured is unable to contact his or her family or company due to accident or illness,
For services with pre-defined prices (provider prices per hour, car rental, etc.)
we will provide transmission of urgent messages by any means deemed appropriate
Assistance Services will provide a price list to the User, who can then choose whether
(phone, e-mail, fax, or telegram).
or not to request the service. For services requiring a quotation, Assistance Services
will put the Service Provider in contact with the User, who can then choose whether
6.3. Finding & Returning Missing Luggage:
or not to request the service.
In case of missing luggage, Assistance Services will provide assistance to the User
by contacting his or her company on his or her behalf. Transportation Company to NOTE: All services described below will be paid by the User directly to the Service
monitor the search. Provider.
The User must contact Assistance Services, having in hands a copy of the Missing
6.6. Information about Occurences:
Luggage Form submitted to the airline (PIR - Property Irregularity Report) before
Assistance Services may provide the User with information about occurrences taking
leaving the arrival lounge, so that Assistance Services may monitor the airline's
place at a certain location. Information about opera, ballet or theater performances,
efforts to locate the missing luggage.
concerts, museums, shows and other cultural activities (timetables and tickets);
The User is responsible for communicating his or her temporary (or final) address to Information about sports events; Information about venues for practicing sports.

Policyholder Manual PAGE 17

 6.7. Weather Forecast:
Assistance Services will provide weather forecast information to the User.

6.8. Night Club Information:

Assistance Services will provide night club information to the User.

6.9. Restaurant Information:

Assistance Services will provide information about restaurants to the User.

6.10. Ticket Reservation & Purchase:

Assistance Services will provide reservations for shows, restaurants, hotels, and
flights in Brazil and abroad (main cities worldwide). If the User is interested, he or
she must request the service one week before the date when the event will take
place. Assistance Services will provide information about cultural events in Brazil and
ticket reservations, with the User being responsible for paying the respective price
(including ticket price, convenience fee, and delivery).

6.11. Hotel Reservations:

Assistance Services will organize hotel reservations. This service depends on the
availability offered by hotels.

6.12. Flight Reservation & Purchase:

Assistance Services will provide reservations for shows, restaurants, hotels, and
flights in Brazil and abroad (main cities worldwide). This service depends on the
availability offered by airlines.

6.13. Restaurant Reservation:

Assistance Services will make restaurant reservations upon User's request.

6.14. Referral to Travel Agencies and/or Operators:

Assistance Services will provide information about travel agencies and/or operators
to the User.

6.15. Night Club Reservations:

Assistance Services will make reservations for night clubs upon the User’s request.
This service depends on the the night club’ availability.

Policyholder Manual PAGE 18

 6.16. Luxury Car Rental: 6.24. City Tours:
Assistance Services will provide helicopter, limousine, and mobile phone rental in Assistance Services will organize city tours in Brazil and abroad (main cities
the country's main capital cities and other cities where the service is available. This worldwide). This service depends on the availability offered by travel agencies.
service is available during working hours, but may be requested by the User at any
time. 6.25. Tourist Tips:
Assistance Services will provide tourist tips to the User.
6.17. Castle, Island, and Boat Rental:
Castle, Island, and Boat Rental: Assistance Services will provide assistance to 6.26. Traffic Tips:
Users wishing to rent castles, islands, or boats at the location where this service is Assistance Services will provide traffic tips to the User.
available. This service is available during working hours, but may be requested by
the User at any time. 6.27. Flowers:
Assistance Services will organize delivery of flowers upon User’s request.
6.18. Car Rental:
Assistance Services will provide car rental in the country's main capital cities and 6.28. Early Airport Check-in:
other cities where the service is available. This service is available during working For users wishing check in earlier at airports, Assistance Services will provide
hours, but may be requested by the User at any time. assistance to help the User deal with airline procedures.

Early Airport Check is subject to the following rules:

6.19. Airplane/Jet Rental:
Assistance Services will provide rental of airplanes or jets in the country’s main 6.29. Domestic travel – from twenty-four (24) hours to one and a half (1 ½ ) hour
capital cities and other cities where the service is available. This service is available before boarding time.
during working hours.
6.30. International travel – from twenty-four (24) hours to three (3 ) hours before
6.20. Boat/Motoboat/Fishing Boat Rental: boarding time, according to the airline’s policy.
Assistance Services will provide rental of boats, motorboats and fishing boats in
the country’s main capital cities and other cities where the service is available. This
service is available during working hours. 7.0 Excluded Perils - Insurance
6.21. Purchase & Delivery of Gifts: 7.1. General Exclusions:
Assistance Services will organize delivery of gifts in Brazil and abroad. The service is It is excluded from this insurance any expenses, losses, onuses, harm, damages or
available during working hours. liabilities of any nature, directly or indirectly caused by, resulting from, for which
there was a contribution of, or the indemnity claimed comprises:
6.22. Cultural Events:
Assistance Services provides information about cultural events in Brazil and abroad. Acts or operations of war declared or not, chemical or bacteriological war, civil war,
guerrilla, revolution, unrest, mutiny, rebellion, sedition, uprising or other distur-
6.23. Transfer: bances of the public order and resulting thereof, except where at the occurrence
Assistance Services will organize transfers upon User's request. of a covered event, the Insured is rendering military service or humanitarian acts

Policyholder Manual PAGE 19

 to help others. Terrorist act, being incumbent to the Insurance Company to prove contractual coverage has been purchased. Aesthetic of rejuvenating treatment of
with qualified documentation together with a report of the circumstances that any kind and origin. Plastic surgery and expenses for purchasing prostheses, for
characterizes the nature of the attack, irrespectively of its purpose and provided the preparation of glasses and contact lenses (save restorative surgeries following
that the same has been properly acknowledged as a threat to the public order by a accidents and expenses for repairing or replacing damaged dental prostheses in
competent public authority. The use of nuclear materials for any purposes, includ- consequence of a covered personal accident, provided that the corresponding
ing nuclear explosion either provoked or not, as well as radioactive contamination additional contractual coverage has been purchased). Suicide or the attempt
or exposure to nuclear or ionizing radiations. Hurricanes, cyclones, earthquakes, thereof where occurred within the first two (02) years as of the policy inception, or
seaquakes, inundations, falling sidereal bodies, meteorites, volcanic eruptions and yet within the first two (02) years as of the date of the Insured Capital increase, in
other nature convulsions. Malicious unlawful acts performed by the Insured, by his/ relation to the portion referring to this increase. Epidemics and pandemics, provid-
her beneficiary or by the representative of the former or of the latter. Acts against ed that declared by a competent body and poisoning of collective character. Moral
the law, inclusive the driving of motor vehicles, including motorcycles, boats, air- damages and further modalities of the latter, such as aesthetic damages. Punitive
crafts and the like without the due license or without the use of obligatory safety damages.
equipment by law, such as helmets and safety belts.
7.2. Special Conditions for Medical and Hospital Expenses Overseas (MHE-O)
Acts against the law, inclusive the driving of motor vehicles, including motorcycles, Cover:
boats, aircrafts and the like without the due license or without the use of obligatory
In addition to the exclusions contained in clause 7.1 of this manual and that have
safety equipment by law, such as helmets and safety belts.
not been changed by these Special Conditions, the following exclusions also apply
A knowingly dangerous act that is not derived from the use of more risky convey- to this cover:
ances, from the rendering of military service, from sports practice or from human-
Follow-up and control of previous treatments, check-up or refill of prescriptions;
itarian acts to help others. Pregnancy, birth or abortion and any complications or
consequences derived from pregnancy, birth or abortion, except where directly Medical accidents;
resulting from a covered personal accident. Food disturbances and poisoning of
Clinical, surgical or drug treatment or tests not related directly to the accident or
any kind. Intercurrences or complications in consequence of the performance of
sudden illness;
clinical or surgical exams or treatments, where not resulting from a covered peril.
Hospitalization for diagnosis investigation, sanity status assessment (check-up), Periods of convalescence (after discharge) and companion expenses;
resting or geriatrics. Self-mutilations and self-inflicted lesions, where the Insured
Orthotic devices of any kind and permanent prostheses;
is healthy, where occurred within the first two (02) years as of the inception of
the individual coverage, or yet within the first two (02) years as of the date of the Drugs, except when administered directly by the clinic or hospital during
Insured Capital increase, in relation to the portion referring to this increase. Pro- emergency care.
ceedings not provided under the Brazilian Medical Code of Ethics, experimental
clinical or surgical treatments and drug treatment not recognized by the National Dental Expenses Overseas (DE-O) Cover
Supervisory Medicine and Pharmacist Service. Hospitalization, outpatient treat- In addition to the exclusions contained in clause 7.1 of this manual and that have
ments, diagnostic examinations, medical therapies and consultations performed not been changed by these Special Conditions, the following exclusions also apply
by professionals of specialties not recognized by the Medicine Federal Council or to this cover:
by doctors not legally qualified. The treatment of mental or psychiatric illnesses. Follow-up and control of previous treatments, check-up, or refill of prescriptions;
The loss of teeth or dental treatments of any kind, save where the corresponding
Medical accidents;

Policyholder Manual PAGE 20

 Clinical, surgical or drug treatment or tests not related directly to the accident or performs another professional activity;
sudden illness;
7.2.2. Expenses with rescue from sea, mountain, or remote areas or in
Periods of convalescence (after discharge) and companion expenses; countries in a state of war or political unrest that poses a threat to the
life and health of the population or those entering the country.
Orthotic devices of any kind and permanent prostheses;
Additional Cover for Medical, Hospital and/or Dental Expenses Overseas -
Drugs, except when administered directly by the clinic or hospital during
Extended Pregnancy (MHDE-P-O) Cover
emergency care.
In addition to the exclusions contained in clause 7.1 of this manual and in the
Additional Cover for Complementary Medical and Hospital Expenses Medical and Hospital Expenses Overseas (MHE-O) and Dental Expenses Overseas
Overseas (MHE-C-O) (DE-O) covers that have not been changed by these Special Conditions, the
In addition to the exclusions contained in clause 7.1 of this manual and that have following exclusions apply:
not been changed by these Special Conditions, the following exclusions also apply
Expenses for routine or scheduled care and treatment.
to this cover:

Events or flare ups arising from preexisting or chronic illness or injury ; 7.3. Specifics about the Sanitary Repatriation coverage:
In addition to the exclusions contained under the item 7.1 of this document, it is
Follow-up and control of previous treatments, check-up, or refill of prescriptions;
also expressly excluded from this coverage the expenses resulting from: A sanitary
Medical accidents; repatriation that is not resulting of proven necessity. A sanitary repatriation of the
Insured where the same is able to travel under normal conditions to his/her domi-
Clinical, surgical or drug treatment or tests not related directly to the accident or
cile location. Medical assistance expenses before or after the sanitary return.
sudden illness;

Periods of convalescence (after discharge) and companion expenses; 7.4. Specifics about the Medical Transportation coverage:
In addition to the exclusions contained under the item 7.1 of this document, it is
Orthotic devices of any kind and permanent prostheses;
also expressly excluded from this coverage the expenses resulting from: Trans-
Drugs, except when administered directly by the clinic or hospital during portation not resulting from a proven need due to covered personal accident or
emergency care. illness. The transportation of the Insured where the same is capable of walking on
his/her own to a location providing better infrastructure.
Additional Cover for Medical, Hospital and/or Dental Expenses Overseas -
Extended Sports (MHD-S-O) Cover 7.5. Specifics about the Baggage coverage:
In addition to the exclusions contained in clause 7.1 of this manual and in the In addition to the exclusions contained under the item 7.1 of this document, it is
Medical and Hospital Expenses Overseas (MHE-O) and Dental Expenses Overseas also expressly excluded from this coverage the expenses resulting from:
(DE-O) covers that have not been changed by these Special Conditions, the Partial damages to one or more baggage items, whichever the causes may be, or
following exclusions apply: the loss, theft or robbery of items from the interior of any parcel where there is
no total disappearance of the parcel delivered to the transportation company. The
7.2.1. Professional sports practice, regardless of whether the Insured person
confiscation or the seizure of baggage by Customs or by any other governmental
authority. Inherent vice of the baggage, spillage or leakage of liquids, gnawing

Policyholder Manual PAGE 21

 or any other damage, even total, caused by moth, insect or mildew, the cause of 7.8. Specifics about the coverage for Pharmaceutical Expenditures
which is not demonstrably attributed to accidents or fire involving conveyances. due to Accident or Illness:
Preexisting damages of the baggage, previously known by the Insured before In addition to the exclusions contained under the item 7.1 of this document,
handing the same over to the transportation company. Baggage that were not it is also expressly excluded from this coverage the expenses resulting from:
handed over to be under the liability of the transportation company and hand-bag- The purchase of medications prescribed due to an exposure excluded from the
gage. Animals, moneys, checks, securities, stamps, collections, documents of any coverage from the clauses of the General Conditions and/or of the remainder
kind, precious metals and their alloys, precious or semi-precious stones, trinkets, Special Conditions of this insurance. The purchase of medications not directly
jewelry, watches, furs, art works and any item of sentimental value. Where the required by accident or by a sudden illness and by continuous treatment drugs
baggage is not collected by the Insured right after made available by the transpor- (Example: medication for diabetes and high blood pressure). The purchase of
tation company. Baggage of pilots, crew members, employees or persons holding necessary medications for the treatment continuation after the insured travel
interests in the transportation company. termination.

7.6. Specifics about the Travel Cancellation coverage: 7.9. Specifics about the coverage of Physiotherapy resulting from
In addition to the exclusions contained under the item 7.1 of this document, it is Accidents or Illness.
also expressly excluded from this coverage the expenses resulting from: Aestheti- In addition to the exclusions contained under the item 7.1 of this document, it is
cal treatments, check-ups, contraindications of travels before the purchase of the also expressly excluded from this coverage the expenses resulting from: The con-
insured travel contract, vaccinations, impossibility for carrying out planned medical trol of previous treatments and the continuity of the treatment after emergency
treatments at the travel destination and voluntary interruption of pregnancy. The assistance that enables the Insured to continue the travel. Medical accidents. Phys-
non-submission, by any motive, of indispensable documents during the whole iotherapy treatment not directly required by an accident or by a sudden illness.
travel, such as passport, visa, bills, vaccination cards or certificates. Expenses not Convalescence status (after a medical discharge) and expenses of companions.
directly imposed by air companies, hotels, tourism agents and further service sup- Appliances related to orthosis of any nature and to prostheses of permanent char-
pliers of the insured travel. acter. Pathological fractures, as such understood those where a bone is broken
through an area weakened by disease due to a degree of strain that would have
7.7. Specifics about the coverage of Travel Disruption due to Death, left intact a normal bone, such as bone tumors, bone metastases and metabolism
Accident or Illness: diseases. Diseases or lesions that do not require medical assistance.
In addition to the exclusions contained under the item 7.1 of this document, it is
also expressly excluded from this coverage the expenses resulting from: Aestheti- 7.10. Specifics about the coverage of Physiotherapy resulting from
cal treatments, check-ups, the contraindications of travels before the purchase of Accidents or Illness.
the insured travel contract, vaccinations, impossibility for carrying out a planned In addition to the exclusions contained under the item 7.1 of this document, it is
medical treatments at the travel destination and voluntary interruption of preg- also expressly excluded from this coverage the expenses resulting from: The con-
nancy. The non-submission, by any motive, of indispensable documents during the trol of previous treatments and the continuity of the treatment after emergency
whole travel, such as passport, visa, bills, vaccination cards or certificates. Expenses assistance that enables the Insured to continue the travel. Medical accidents. Phys-
not directly imposed by air companies, hotels, tourism agents and further service iotherapy treatment not directly required by an accident or by a sudden illness.
suppliers of the insured travel. Convalescence status (after a medical discharge) and expenses of companions.
Appliances related to orthosis of any nature and to prostheses of permanent char-
acter. Pathological fractures, as such understood those where a bone is broken

Policyholder Manual PAGE 22

 through an area weakened by disease due to a degree of strain that would have 7.14. Specifics about the coverage for Sending a Companion:
left intact a normal bone, such as bone tumors, bone metastases and metabolism In addition to the exclusions contained under the item 7.1 of this document, it
diseases. Diseases or lesions that do not require medical assistance. is also expressly excluded from this coverage the expenses resulting from: The
sending of a companion where the hospitalization of the Insured results from
7.11. Specifics of the coverage of Damages to Baggage: aesthetical treatments, check-ups, contraindications of travels before the pur-
In addition to the exclusions contained under the item 7.1 of this document, it is chase of the insured travel contract, vaccination, the impossibility of carrying out
also expressly excluded from this coverage the expenses resulting from: Damages the planned medical treatments at the travel destination and voluntary pregnancy
to baggage, whichever the causes may be, or loss, theft or robbery of objects from interruption. Expenses for purchasing tickets for a companion who may be unable
the interior of any parcel where the total disappearance of the parcel handed over of escorting the Insured due to migratory impediment at the location where the
to the transportation company has not occurred. Confiscation or seizure of bag- Insured is located.
gage by Customs or by any other governmental authority. Baggage that has not
been handed over under the liability of the transportation company and hand bag- 7.15. Specifics about the coverage of Repatriation of Minors and/or of Elderlies:
gage. Animals, moneys, checks, securities, stamps, collections, documents of any In addition to the exclusions contained under the item 7.1 of this document, it
kind, precious metals and their alloys, precious or semi-precious stones, trinkets, is also expressly excluded from this coverage the expenses resulting from: The
jewelry, watches, furs, art works and any items of sentimental value. Non-collected sending of companion where the Insured’s hospitalization results from aesthetical
baggage by the Insured as soon as made available by the transportation company. treatments, check-ups, contraindications of travels before the purchase of the
Baggage of pilots, crew members, employees or persons holding interests in the insured travel contract, vaccinations, impossibility of performing the planned med-
transportation company. ical treatments at the travel destination and voluntary pregnancy interruption.
Expenses for the purchase of tickets for the companion who is not in accordance
7.12. Specifics about the coverage of Delayed Flight: with immigration legal norms and proceedings for escorting minors.
In addition to the exclusions contained under the item 7.1 of this document, it is
also expressly excluded from this coverage the expenses resulting from: Delayed
chartered flight. A delay publicly and previously divulged, except in cases where
the Insured is away from his/her domicile location and where the delay generates 8.0 Loss of Rights
unavoidable additional expenses with meals, transportation and lodging. Expens-
Without detriment of the provisions contained under the remainder conditions of
es not acknowledged by the airline company, such as lodging of passengers who
this insurance and of what is provided by law, the Insured will lose his/her right
reside at the airport location of the delayed flight.
to indemnities:
7.13. Specifics about the coverage of Missed Connection Flight: a) Where the same intentionally aggravates the risk.
In addition to the exclusions contained under the item 7.1 of this document, it is
b) Where the Insured, his/her representative or his/her insurance broker delivers
also expressly excluded from this coverage the expenses resulting from: Delays of
misrepresentations or omits circumstances that could have influenced the
chartered flights. Delays publicly and previously divulged, except in cases where
insurance acceptance or the premium value, his/her right to indemnities will
the delay generates unavoidable additional expenses with meals, transportation
be jeopardized, besides being the Insured obliged to pay the expired premium:
and lodging. Where the connection is missed because the Insured has not timely
presented himself/herself for the check-in or embarkation, where the previous c) Where the Insured performs unlawful intentional acts (art.762)
flight arrived on time to the connection airport.

Policyholder Manual PAGE 23

 his/her right to indemnities will be jeopardized; 10.2. In the event of early returning of the Insured from the insured travel, the insurance
will be cancelled as of his/her arrival date to the place of origin of the travel or to
d) Where it is ascertained the existence of fraud or the attempt thereof
his/her domicile, as the case may be, being covered eventual claims occurred before
at the conclusion of the insurance contract purchase (art. 766).
this cancellation.
e) Failure by the Insured person to comply with the obligations
10.3. Individual coverage validity term per insured travel.
agreed upon in the clauses of this policy.

a) In relation to Domestic Travels, the individual coverage begins at the

moment of the first embarkation of the insured travel, includes the
9.0 Insurance Cost, Collection and Payment covered itinerary, the intermediary stopping locations, the connections,
the transshipments and the staying locations and ends at the date
9.1. The individual insurance premium, already with the addition of IOF of 0,38%, is determined under the Ticket or at the moment of the final disembarkation
expressed under the Insurance Ticket and will be paid as per the selected upon the returning of the Insured, whichever occurs first.
method at its adhesion. b) For Overseas Travels, the individual coverage begins at the location
9.2. Where the premium is not paid at its purchase date, the insurance will be of the first embarkation, as of the passage of the Insured through the
automatically and as of right cancelled and the coverage cannot be reinstated. Federal Police Station, includes the covered itinerary and the staying
locations and ends at the date determined under the Ticket at the
9.3. Any refund will only be owed after the Insured person has paid the premium,
moment of the final disembarkation in Brazil, after the passage of the
which must be completed by the due date.
Insured through the Federal Police Station, whichever occurs first.
9.4. If the claim is filed within the deadline for payment of the premium, the eligibility
for a refund is not affected as long as payment is made within that period. 10.4. This Insurance coverage cannot be renewed.

9.5. Failure to pay the first installment of the individual premium, in case of installment 10.5. Travel Insurance Waiting Period;
plan, or failure to pay the premium in full will result in cancellation of the policy. 10.5.1. The coverages for Medical, Hospital and/or Dental Expenses during travels
9.6. The Representative is banned from charging any interest or charges on the un abroad, Repatriation of Human Remains, Sanitary Repatriation and Medical
paid insurance premium from the Insured person, taking into account that during Transportation are subject to a waiting period of seventy two (72) hours,
the period of non-payment the Insured person will not be eligible for cover. exclusively where the same are accepted for already initiated travels.

10.5.2. The provision of the previous item does not apply to events
resulting from personal accidents. The waiting period,
10.0 Duration and Individual Risk Renovation except in cases of suicide or the attempt thereof, cannot
exceed half of the individual coverage validity term.
10.1. Where the Insured is unable to come back due to a covered event, the validity
term of the coverages will be automatically extended till the returning of the 10.6. Once the cover is active, if the claim occurs within the deadline of, but prior to,
Insured to his/her domicile or travel origin location, observing the limit of the the full payment or the payment of any installments, the right to refund will not
purchased insured capital of the contract. be affected, and the premium may be deducted from the refund.

Policyholder Manual PAGE 24

 11.0 Cancellation and Rescission h) In case of non-payment of the premium.
This Insurance may be cancelled or rescinded: i) Failure to comply with the obligations set forth in the Policy Conditions
a) Within a seven (7) consecutive days term, counted as of the issuance and/or pursuant to the provisions of clause 9. LOSS OF RIGHTS of this
date of the Ticket or of the actual premium payment, whichever manual or clause 16 of the general conditions of this insurance.
occurs last, provided that before the travel, in case of withdrawal of j) At the end of each insured trip under the provisions of the insurance cover note.
the purchased insurance contract by the Insured, being that:
k) If the Insured person returns early from the insured trip, the insurance will be
- The Insured may exercise his/her right of withdrawal by the same means used for cancelled upon their arrival at the starting point of the trip or their residence, as the
the purchase of the contract, without detriment of other means that may be made case may be, and any claims related to events prior to the cancellation are covered.
available by the Insurance Company;
How do I cancel my travel insurance?
- The values eventually paid on any grounds during up to seven (7) elapsed days, will
be immediately returned by the same means and method of the premium payment, You may cancel your travel insurance on the World Nomads website through your account
without detriment of other means made available by the Insurance Company, provid- and receive a full refund if:
ed that expressly accepted by the Insured. 1. You cancel within 7 days of buying the travel insurance (cooling-off period);
b) At any given time after seven (7) days as of the Ticket issuance date or of the 2. You have not left Brazil;
premium payment date as provided under the previous item, by means of agreement
between the contractual parties, being that for instances where the premium has 3. The insurance is not active; and
been paid by a single installment or by advanced installments, the Insurance Company 4. You have not filed or will not file a claim with this travel insurance.
will return the portion of the received commercial premium proportionally to the
non-elapsed term (in the basis of pro-fata diem), counted as of the cancellation date.

c) In case of lack of premium payment. Follow the instructions below to cancel your insurance via the World Nomads
website:
d) Due to the non-compliance of the obligations provided under
the Contractual Conditions and/or under the terms of the clause 1. Access your insurance by logging in here:
9. LOSS OF RIGHTS of the conditions of this Ticket; https://www.worldnomads.com/PolicyDetail/ViewPolicies

e) At the end of each insured travel pursuant the terms of this Ticket. 2. After logging in, select the insurance you wish to cancel and scroll down the insurance
detail page.
f) By agreement between the contracting parties, subject to provisions of the
insurance policy and the period of validity corresponding to the premium paid; 3. Click the 'Cancel Policy' button.

g) In the event that the Insured person or their agents or beneficiaries act with 4. Your travel insurance will be cancelled and the full refund will be made automatically
deception, fraud or misrepresentation when buying the insurance policy, on the card used to make the purchase. The refund takes 5-10 business days to
during the lifetime of the policy, or to obtain or to increase the refund, process.
the insurance will be automatically terminated, without refund of the
premiums, and the Insurance Company shall be exempt from any liability.

Policyholder Manual PAGE 25

 How do I cancel my travel insurance after the 7 days following the purchase or after For Emergency Assistance Only
the start of the trip?
+57 316 Whatsapp.
If the Insured person wishes to cancel their insurance after the cooling-off period or can not e-mail: assistance@wt-assist.com
use the Help Desk tools available on the World Nomads website, they must send an email to
travel.brasil@br.zurich.com with their insurance cover note, full name and contact details so Portuguese-speaking representatives are available 24 hours a day, 7 days a week.
that the World Nomads Support Team can assist them and resolve the issue. Please call from a landline to avoid incurring roaming charges, as this expense is not
The World Nomads Customer Service team will notify the Insured person of the cancellation refundable.
as soon as the process is complete. If you are unable to place a collect call to the Service Centre, save all receipts and
Who can make changes to the insurance policy? request a refund when you arrive in Brazil.
Free Choice Service:
Traveler (Self-
Customer Service Center
service members of You can opt for service providers of your choice, as long as they are legally qualified
of World Nomads
WorldNomads.com) and you will be refunded for the expenses up to the maximum amount of the Sum
Within 7 days of purchase insured for the respective cover.
and before the start date   In this case, for information on the assessment of your claim, contact the World No-
of the travel insurance mads Customer Service Centre:
After the Cooling
Off (term of right of 11 2526 9312
cancellation) and the start
  Opening hours (except holidays): Monday to Friday from 9am to 8pm and Saturday
date of travel insurance from 9am at 2pm.
After the start date of the
travel insurance
  Communication with the World Nomads Customer Service Centre does not exempt
the Insured person from the obligation to provide World Nomads with all documents
pertinent to the claim.
Documents should be scanned and sent via email to reembolsostpa1@wt-assist.com.
Please quote the protocol number provided by our Customer Service Centre.
12.0 Proceedings in Case of Claim
Any claim payment based on this insurance will only be made after the Insured
12.1. Authorised Network Service: person or the Beneficiary has presented satisfactory evidence to support the claim,
as well as all the circumstances related to it, and has provided the Insurer with any
To contact the authorised service network during your trip, call the Service Center:
explanations deemed necessary.
If you are in Brazil: 11 2526 9312
The acts or measures undertaken by the Insurer after the claim do not, in and of
If you are overseas: 1 877 660 2844 themselves, oblige the Insurer to pay any refunds.
or 12.2. All expenses incurred with providing evidence of the claim and with qualification
documents will be borne by the Insured person, except for those directly incurred by
the Insurer.

Policyholder Manual PAGE 26

 Any translation costs necessary for the settlement of claims involving refund of Copy of the Insured person's driver licence, in the event of an accident involving a
expenses incurred overseas shall be borne entirely by the Insurer. vehicle being driven by the Insured person;
For rapid resolution of the claim involving any of the insurance covers, the basic Copy of toxicology and blood alcohol report, if conducted;
documents specified in clause 12.3 shall be presented. The Insurer reserves to right
Original receipts of covered expenses.
to request other necessary documents in case of reasonable and justifiable doubt.
Dental Expenses During Overseas Trip (DE-O) Cover
The Insurer will have a period of thirty (30) days from the delivery of all required
documents to make the claim payment. In the case of request for additional Claim Form supplied by the Insurer, which must be filled out by the Insured person,
documents, this deadline will be suspended, starting again from the business day along with the bank details;
following that in which the requirements are fully met. Copy of the Insured person's documents: identity card, taxpayer card (CPF), and
Notifications regarding the related events must contain the event details, such as proof of address (utility or phone bill issued in the last 3 months);
date, time, place, cause, and must be signed, as the case may be, by the Insured History of round-trip tickets, as well as copy of air tickets or tickets for the means of
person, by the Beneficiary and/or by the supervising medical practitioner (with their transport of the insured trip;
medical registration number).
Original or certified copy of the Medical Report, signed and dated with the medical
12.3. Documents for the adjustment of claims: registration number or overseas equivalent, including detailed diagnosis and
In relation of all coverages, it will be required a copy of the air ticket or of the description of treatment;
ticket provided by the conveyance related to the insured travel, except for the Original or certified copies of the reports and tests related to the injury or sudden
cancellation coverage. illness and carried out during emergency assistance;
Medical and Hospital Expenses Overseas (MHE-O) Cover Copy of police report, if any;
Claim Form supplied by the Insurer, which must be filled out by the Insured person, Copy of the Insured person's driver licence, in the event of an accident involving a
along with the bank details; vehicle being driven by the Insured person;
Copy of the Insured person's documents: identity card, taxpayer card (CPF), and Copy of toxicology and blood alcohol report, if conducted;
proof of address (utility or phone bill issued in the last 3 months);
Original receipts of covered expenses.
History of round-trip tickets, as well as copy of air tickets or tickets for the means of
transport of the insured trip; Additional Cover for Complementary Medical and Hospital Expenses Overseas
(MHE-C-O) Cover
Original or certified copy of the Medical Report, signed and dated with the medical
registration number or overseas equivalent, including detailed diagnosis and Claim Form supplied by the Insurer, which must be filled out by the Insured person,
description of treatment; along with the bank details;

Original or certified copies of the reports and tests related to the injury or sudden Copy of the Insured person's documents: identity card, taxpayer card (CPF), and
illness and carried out during emergency assistance; proof of address (utility or phone bill issued in the last 3 months);

Copy of police report, if any; History of round-trip tickets, as well as copy of air tickets or tickets for the means of
transport of the insured trip;

Policyholder Manual PAGE 27

 Original or certified copy of the Medical Report, signed and dated with the medical d) A copy of the Police Occurrence Report (BO), if any;
registration number or overseas equivalent, including detailed diagnosis and
description of treatment; e) A copy of the National Driver’s License of the Insured in case of
accidentinvolving the vehicle that was being driven by the same;
Original or certified copies of the reports and tests related to the injury or sudden
illness and carried out during emergency assistance; f) A copy of drug and alcohol tenor test Report, where performed;

Copy of police report, if any; g) A copy of the Insured’s Death Certificate;

Copy of the Insured person's driver licence, in the event of an accident involving a
h) Original counterpart of expenses for releasing,
vehicle being driven by the Insured person;
preparation and transportation ofthe corpse.
Copy of toxicology and blood alcohol report, if conducted;
i) Copy of the air ticket/flight voucher or any other
Original receipts of covered expenses. transportation receipt for the insured trip.
Additional Cover for Medical, Hospital and/or Dental Expenses Overseas -
Extended Sports Cover (MHDE-S-O) Sanitary Repatriation from Overseas Travels
a) Claim Notification Form, duly filled by the Insured or by his/her
In order to assess claims for this cover, the Insured person must provide the same
representative in cases where this is impossible for the former;
documents required for the Medical and Hospital Expenses Overseas (MHE-O) or
Dental Expenses Overseas (DE-O) covers. b) Copies of documents of the Insured and of the Beneficiary:
Additional Cover for Medical, Hospital and/or Dental Expenses Overseas - Identity card, CPF and proof of address (electricity, water, gas
Extended Pregnancy Cover (MHD-P-O) or fixed telephone bill not older than ninety (90) days);

In order to assess claims for this cover, the Insured person must provide the same c) The original or a certified copy of the Report prepared by the Responsible
documents required for the Medical and Hospital Expenses Overseas (MHE-O) and Doctor, duly dated and signed and indicating his registration number under
Dental Expenses Overseas (DE-O) covers. the Regional Medicine Council (CRM) or the equivalent abroad, and reports
and exams related to the lesion or the illness that generated the emergency
Repatriation of Human Body Remains
assistance and that prove the need of a sanitary repatriation of the Insured;
a) Claim Notification Form, duly filled by the Beneficiary;
d) A copy of the Police Occurrence Report (BO), if any;
b) Copies of documents of the Insured and of the Beneficiary:
Identity card, CPFand proof of address (electricity, water, gas e) A copy of the National Driver’s License of the Insured in case of
or fixed telephone bill not olderthan ninety (90) days); accident involving the vehicle that was being driven by the same;

c) The original or a certified copy of the Report prepared by the f) A copy of drug and alcohol tenor test Report, where performed;
ResponsibleDoctor, duly dated and signed and indicating his
registration number under theRegional Medicine Council (CRM) g) Original counterpart of expenses for a sanitary repatriation,
or the equivalent abroad, reports and examsrelated to the inclusive eventual tariff rates differences for the return ticket.
lesion or the illness that caused the death of the Insured; h) Copy of the air ticket/flight voucher or any other

Policyholder Manual PAGE 28

 transportation receipt for the insured trip. proves a common-law marriage at the event date; 4 – Children: Birth
Certificate; and 5 – Parents and others: Identity Card and CPF.
Medical Transportation
d) The original or a certified copy of the Report prepared by the Responsible
a) Claim Notification Form, duly filled by the Insured or by his/her
Doctor, duly dated and signed and indicating his/her registration
representative in cases where this is impossible for the former;
number under the Regional Medicine Council (CRM) or the equivalent
b) Copies of documents of the Insured and of the Beneficiary: abroad, and of reports and exams related to the lesion that caused the
Identity card, CPF and proof of address (electricity, water, gas death of the Insured, OR a Copy of Necropsies Certificates, if any;
or fixed telephone bill not older than ninety (90) days);
e) A copy of the Police Occurrence Report (BO), if any;
c) The original or a certified copy of the Report prepared by the Responsible
f) A copy of the National Driver’s License of the Insured in case of
Doctor, duly dated and signed and indicating his registration number
accident involving the vehicle that was being driven by the same;
under the Regional Medicine Council (CRM) or the equivalent abroad,
reports and exams related to the lesion or the illness that originated g) A copy of drug and alcohol tenor test Report, where performed;
the emergency service and the need of transporting the Insured;
h) A copy of the Insured’s Death Certificate.
d) A copy of the Police Occurrence Report (BO), if any;
i) Copy of the air ticket/flight voucher or any other
e) A copy of the National Driver’s License of the Insured in case of transportation receipt for the insured trip.
accident involving the vehicle that was being driven by the same;
Total or Partial Accidental Permanent Disability During Travel
f) A copy of drug and alcohol tenor test Report, where performed;
a) Claim Notification form, duly filled by the Insured or by his/her
g) Original counterpart of expenses for the medical transportation. representative in cases where the same is incapacitated;

h) Copy of the air ticket/flight voucher or any other b) Copies of documents of the Insured: Identity card, CPF and proof of address
transportation receipt for the insured trip. (electricity, water, gas or fixed telephone bill not older than ninety (90) days);

Accidental Death during Travel c) The original or a certified copy of the Report prepared by the Responsible
Doctor, duly dated and signed and indicating his/her registration number
a) Claim Notification Form, duly filled by the Beneficiary;
under the Regional Medicine Council (CRM) or the equivalent abroad,
b) Copies of documents of the Insured: Identity card, CPF and proof of address providing details about the nature of the lesion, the disability degree of the
(electricity, water, gas or fixed telephone bill not older than ninety (90) days); Insured and informing where the same has received a final medical discharge;

c) Copies of documents of the Beneficiary (ies): 1 – For all of these: d) Original or certified copy of Radiographs, recent medical
proof of address (electricity, water, gas or fixed telephone bill with a reports and exams that substantiate the disability;
maximum maturity date of ninety (90) days); 2 – Spouse: Certificate
e) A copy of the Police Occurrence Report (BO), if any;
of Marriage (certified copy), Identity Card and CPF; 3 – Domestic
Partner: Identity Card, CPF and certified copy of a document that f) A copy of the National Driver’s License of the Insured in case of

Policyholder Manual PAGE 29

 accident involving the vehicle that was being driven by the same; Travel Cancellation
a) Claims Notification Form, duly filled by the Insured or by his/her
g) A copy of drug and alcohol tenor test Report, where performed.
representative in case of the Insured’s death or impossibility;
h) Copy of the air ticket/flight voucher or any other
b) Copies of documents of the Insured and of the Beneficiary:
transportation receipt for the insured trip.
Identity card, CPF and proof of address (electricity, water, gas
Baggage or fixed telephone bill not older than ninety (90) days);

a) Claim Notification form, duly filled by the Insured; c) A letter reporting the claim, describing the occurrence, dated
and signed by the Insured or by his/her representative, in case
b) Copies of documents of the Insured: Identity card, CPF and proof of address
of death or of medical impossibility of the Insured;
(electricity, water, gas or fixed telephone bill not older than ninety (90) days);
d) A copy of the Police Occurrence Report (BO), if any;
c) A claiming letter signed by the Insured, describing the occurrence
and the lost or destroyed item(s) resulting from a covered e) A copy of the National Driver’s License of the Insured in case of
claim, including full description of properties and their values accident involving the vehicle that was being driven by the same;
in case of maritime, overland or railroad transportation;
f) A copy of the Death Certificate of the Insured or of the person
d) A copy of the P.I.R – Property Irregularity Report, for occurrences the death of which has motivated the travel cancellation; or
involving airline companies, attesting the baggage weight;
g) The original or a certified copy of medical Reports and exams attesting
e) A copy of the Irregularity Report provided by the transportation the impossibility of continuing the travel of the Insured or of the person
company for maritime, overland and railroad transportation; who has motivated the travel cancellation due to illness or accident,
duly dated and signed by the assistant doctor, with the indication of his/
f) A copy of the Occurrence Report issued by the Police or
her registration number under the Regional Medicine Council (CRM);
by the responsible official body, where prepared;
h) The original or a certified copy of the Patient Records of the hospital and of
g) Copies of the Baggage tags related to all checked
the report of the assistant doctor that proves the illness or the lesion of the
items, with their respective recorded weight;
person, the hospitalization of which has motivated the travel cancellation;
h) Copy of the air ticket or the ticket provided by the conveyance
i) A copy of proof of family or employment relationship of
related to the stretch within which the loss occurred;
the Insured with the person the death or the hospitalization
i) Copy of Proof of acquittance of values directly paid to of which has motivated the travel cancellation;
the Insured by the transportation company.
j) A copy of documents proving other events that have caused the insured
j) Copy of the air ticket/flight voucher or any other travel cancellation, such as a judicial summons, a police occurrence
transportation receipt for the insured trip. bulletin, a Fire Department report, a rescission of a working contract,
a working contract (in case of a new job), information about strikes
or other acts of the company involved with the insured travel, etc.;

Policyholder Manual PAGE 30

 k. The original or a certified copy of Documents that proves the j) The original or a certified copy of documents that prove the payment
payment of the value related to the insured travel and of the of values related to the insured travel and of the expenses resulting
expenses resulting from its disruption, rescheduling or transference from its disruption, duly confirmed by the services providers.
of the same, duly confirmed by the services providers.
k) Copy of the air ticket/flight voucher or any other
Travel Disruption due to Death, Accident or Illness transportation receipt for the insured trip.
a) Claims Notification Form, duly filled by the Insured or by his/her Pharmaceutical Expenditures due to Accident or Illness
representative in case of the Insured’s death or impossibility;
a) Claim Notification Form, duly filled by the Insured;
b) Copies of documents of the Insured and of the Beneficiary:
Identity card, CPF and proof of address (electricity, water, gas b) Copies of documents of the Insured: Identity card, CPF
or fixed telephone bill not older than ninety (90) days); and proof of address (electricity, water, gas or fixed
telephone bill not older than ninety (90) days);
c) A letter reporting the claim, describing the occurrence, dated
and signed by the Insured or by his/her representative, in c) The original or a certified copy of the Report prepared by the
case of death or of medical impossibility of the Insured; responsible doctor or dentist, duly dated and signed and indicating
his/her registration number under the Regional Medicine Council
d) A copy of the Police Occurrence Report (BO), if any; (CRM) or the Regional Dental Council (CRO) or equivalent,
containing a detailed diagnosis and the treatment description;
e) A copy of the National Driver’s License of the Insured in case of
accident involving the vehicle that was being driven by the same; d) The original or a certified copy of Reports and exams
related to a covered lesion or a sudden illness that were
f) A copy of the Death Certificate of the Insured or of the person
performed for an emergency assistance to the Insured;
the death of which has motivated the travel disruption; or
e) A copy of the Police Occurrence Report (BO), if any;
g) The original or a certified copy of medical Reports and exams
attesting the impossibility of continuing the travel of the f) A copy of the Insured’s National Driver’s License in case of
Insured due to illness or accident, duly dated and signed by the accident with a vehicle that was being driven by the same;
responsible doctor, with the indication of his/her registration
number under the Regional Medicine Council (CRM); g) A copy of drug and alcohol tenor test Report, where performed;

h) The original or a certified copy of the Patient Records of the hospital h) Copies of the medical prescription proof (prescriptions);
and of the report of the assistant doctor that proves the
i) Original receipts of the covered expenses.
illness or the lesion of the person, the hospitalization
of which has motivated the travel cancellation; j) Copy of the air ticket/flight voucher or any other
transportation receipt for the insured trip.
i) A copy of a proof of the family or the employment relationship
of the Insured with the person the death or the hospitalization
of which has motivated the travel cancellation;

Policyholder Manual PAGE 31

 Physiotherapy Resulting from Accidents or Illness During Overseas Travels e) A copy of the Irregularity Report of the transportation
company for sea, overland and railway transportation;
a) Claim Notification Form, duly filled by the Insured;
f) A copy of the Occurrence Report issued by the Police or
b) Copies of documents of the Insured: Identity card, CPF and proof of address by a responsible official body, where prepared;
(electricity, water, gas or fixed telephone bill not older than ninety (90) days);
g) Copies of the Baggage tabs related to all checked baggage items;
c) The original or a certified copy of the Report prepared by the Responsible
Doctor, duly dated and signed and indicating his/her registration number h) Copy of the air ticket or the ticket provided by the conveyance
under the Regional Medicine Council (CRM) or the equivalent abroad, related to the stretch within which the loss occurred.
containing a detailed diagnosis and the treatment description;
i) Copy of the air ticket/flight voucher or any other
d) The original or a certified copy of Reports and exams transportation receipt for the insured trip.
related to a covered lesion or a sudden illness that were
performed for an emergency assistance of the Insured; Delayed Flight
a) Claim Notification Form, duly filled by the Insured;
e) A copy of the Police Occurrence Report (BO), if any;
b) Copies of documents of the Insured: Identity card, CPF and proof of address
f) A copy of the Insured’s National Driver’s License in case of
(electricity, water, gas or fixed telephone bill not older than ninety (90) days);
accident with the vehicle that was being driven by the same;
c) A claiming letter describing the occurrence and duly signed by the Insured;
g) A copy of drug and alcohol tenor test Report, where performed;
d) A copy of the air Ticket related to the stretch
h) Original receipts of the covered expenses.
within which the delay has occurred;
i) Copy of the air ticket/flight voucher or any other
e) A copy of the Announcement issued by the airline
transportation receipt for the insured trip.
company about the delayed flight;
Delayed Baggage on Overseas Travel f) Original fiscal invoices or receipts of all incurred expenses and of the value
a) Claim Notification form, duly filled by the Insured; reimbursed or accepted by the responsible airline company.

b) Copies of documents of the Insured: Identity card, CPF and proof of address Expenses with Missed Connecting Flights:
(electricity, water, gas or fixed telephone bill not older than ninety (90) days);
a) Copy of the Notice issued by the airline regarding delayed flight;
c) A claiming letter signed by the Insured, describing the lost baggage item(s);
b) Tax receipts for all expenses incurred and the amount refunded or accepted
d) A copy of the P.I.R – Property Irregularity Report for by the respective airline;
occurrences involving airline companies;

Policyholder Manual PAGE 32

 Sending a Companion under the Regional Medicine Council (CRM) or the equivalent abroad,
exams and documents that proof the need of hospitalization and the date
a) Claims Notification Form, duly filled by the Insured or by his/her
of a medical discharge of the Insured;
representative in cases where the Insured is incapacitated;
e) A copy of the Police Occurrence Report (BO), if any;
b) Copies of documents of the Insured: Identity card, CPF and proof of address
(electricity, water, gas or fixed telephone bill not older than ninety (90) f) A copy of the National Driver’s License of the Insured in case of
days); accident involving the vehicle that was being driven by the same;

c) A letter reporting the claim, describing the occurrence and signed by the g) A copy of drug and alcohol tenor test Report, where performed;
Insured; h) Certified copies of the documents of the minors and/or the
elderlies and proof that the Insured was their companion;
d) The original or a certified copy of the Report prepared by the Responsible
Doctor, duly dated and signed and indicating his/her registration number i) The originals or certified copies of receipts of the expenses for the
under the Regional Medicine Council (CRM) or the equivalent abroad, purchase of the round-tickets of the companion of minors.
exams and documents that proof the need of hospitalization and the date
j) Copy of the air ticket/flight voucher or any other
of a medical discharge of the Insured;
transportation receipt for the insured trip.
e) A copy of the Police Occurrence Report (BO), if any;

f) A copy of the National Driver’s License of the Insured in case of accident

involving the vehicle that was being driven by the same; 14.0 Geographic Scope of the Coverage
g) A copy of drug and alcohol tenor test Report, where performed; The coverages of this Insurance are valid within International territories, observing
the restriction of the stretch.
h) The originals or a certified copy of receipts of expenses for the purchase of
a round-trip ticket, lodging and meals for the companion.

Repatriation of Minors and of Elderlies 15.0 Jurisdiction

a) Claim Notification Form, duly filled by the Insured or by his
It is elected the Jurisdiction of the Insured’s of the Beneficiary’s domicile to dispel
representative where this is impossible for the former;
any doubts derived from this insurance contract.
b) Copies of documents of the Insured: Identity card, CPF and proof of address
(electricity, water, gas or fixed telephone bill not older than ninety (90) days);

c) A letter describing the occurrence and signed by the Insured; 16.0 General Provisions
d) The original or a certified copy of the Report prepared by the Responsible 16.1. It is hereby ratified all the remainder terms of the Contractual Conditions
Doctor, duly dated and signed and indicating his/her registration number
of this Insurance (available at www.worldnomads.com.br).

16.2. Insurance Company:

Policyholder Manual PAGE 33

 Zurich Minas Brasil Seguros 17.2. It is considered as children for the effects of this clause, the children, the
CNPJ: 17.197.385/0001-21 stepchildren and minors considered as dependents of the Main Insured,
SUSEP Registration Code: 05495 pursuant the Income Tax and/or the social security regulations.
SUSEP File 15414.901107/2015-77
17.3. The Main Insured is responsible for the information provided
16.3. Policy Holder: about himself/herself and about his/her dependents.
World Experiences Seguros de Viagem Brasil Ltda.
17.4. Only persons between 0 and 70 years of age can be legal
CNPJ: 21.346.969/0001-99
dependents and eligible for the Double Plan and Family Plan.
16.4. Corretor:
FUNENSEG CNPJ: 42.161.687/0001-97 - Código Susep: 99999

16.5. The Insured may check his/her insurance broker’s reference

file situation at the site www.susep.gov.br by means of his/
her registration number at SUSEP, full name, CNPJ or CPF.

16.6. The registration of this insurance plan by SUSEP does not imply by the part of
that Autarchy an incentive or recommendation for its commercialization.

16.7. SUSEP - Superintendência de Seguros Privados (Superintendence of Private

Insurances) – The Federal Autarchy responsible for the supervision, the regulation
norms and control of the markets related to insurance, open complementary Edson Franco - CEO
pension plans, capitalization, reinsurance and insurance brokerage. Exclusive
Zurich Minas Brasil
toll-free Customer Service Hotline: 0800-021-8484/ www.susep.gov.br
Seguros S/A
16.8. The contractual conditions of the Insurance Plan this Ticket is bound are
17.197.385/0001-21
registered by SUSEP, in accordance with the SUSEP File number and may
be consulted at the electronic address http://www.susep. gov.br/menu/
consulta-de-produtos-1 or at the site www.worldnomads.com.br.

17.0 Inclusion of Dependents, Spouses and/or Children

17.1. It will be considered as Spouse for the purpose of inclusion a person united
to the Main Insured by civil marriage, conducted in accordance to the law,
as well as a common-law domestic partner who, by the force of legislation
has acquired the prerogatives of spouse, by proofing a stable union.

Policyholder Manual PAGE 34

 Policyholder Manual PAGE 35

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