Travel Insurance

Only those provisions and guarantees specified in the following Schedule are deemed to be insured under this Policy:

POLICY SCHEDULE POLICY No. 1265
POLICYHOLDER: VIAJES ZOETROPE, S.A.
“SENIOR EUROPEAN TOURISM”
Date contract effective: 17 July 2009
Avenida de Madrid, 191, E-1- B 08014 – BARCELONA
Expiry of contract: 16 July 2010
Duration: Automatically renewable for one yearly period
THIRD AGE GROUP SPAIN DESTINATIONS

COMPENSATIONS AND SUMS INSURED

Illness or accident during travel
If the insured is the beneficiary of Social Security or a similar body:	100%
- First emergency consultation, medication prescribed at that time and transfer to hospital
If the insured is NOT the beneficiary of Social Security or another similar system of care provision:
- First emergency consultation, medication prescribed at that time and transfer to hospital	100%
- All costs of hospital treatment in the processes insured, including medication, transfusions and nursing care	100 % (Up to 30 days)
- In the event of the worsening of a chronic or pre-existing illness, the costs of medical, surgical and hospital care, in addition to all manner of examinations, supplementary diagnostic tests and medication	Up to € 6.000
- Emergency dental costs (2)	Up to € 100
Costs of a prolonged stay at the insured’s hotel	Up to € 75/day(maximum € 300)
Transfer of the insured to hospital, including under medical supervision if applicable, to a healthcare centre as a result of serious illness or accident requiring medical examination (1)	100%
Costs of transfer by ambulance or other means appropriate to each case from the hospital where the patient is admitted to the closest hospital or place of residence if a hospital stay of more than 20 days is expected (1)	100%
Costs of transfer to the regular address of the insured or that of an immediate relative if, after receiving medical care or being discharged from hospital, the insured cannot care for him or herself, in the judgement of the attending physician (1)	100%
VOLUNTARY DISCHARGE: Any request by the insured for voluntary discharge, if admitted to any medical centre or hospital, or from any medical treatment, counter to medical opinion, will automatically nullify A
Transportation of the deceased
Transportation costs in the event of the death of the insured from the place of death to the place of burial, within the municipal borough of his or her regular residence or, should such a service not exist in the town in question, the closest town where such a burial service is available.	100%
Costs of post-mortem treatment and preparation for transfer (2)	Up to € 2.400
Return and accommodation of a companion of an insured suffering illness or accident
Costs of return of the companion together with the insured (1)	100%
Accommodation costs (hotel and subsistence) if hospitalisation continues following conclusion of the holiday (2)	€ 75 per day (maximum € 600)
Transport costs of the companion for transfer from hotel to hospital and vice versa, upon presentation of receipts	Up to € 7 per day
Accompaniment of the deceased
Transport costs of a relative on a scheduled air, train or connecting taxi service for access to/from transport terminals, from a home address in any of the countries covered by the programme, to the place of death, and return (1)	100%
Accommodation and subsistence expenses (2)	€ 75 per day (maximum € 300)
Insurance for accident in transportation
Compensation for the death of the insured as a result of an accident affecting the aeroplane, boat, train, coach or private vehicle in which he/she is travelling as a passenger during scheduled travel during the holidays, or travel, including embarking and disembarking from such means of transport (2)	Up to € 6,010.12
Luggage
Compensation for material losses suffered by the baggage and personal effects of the user during travel and stay away from the regular residence if the result of robbery, fire damage, or any damage occasioned by rain or snow or total or partial loss caused by the carrier (2)	Up to € 400
Travel cancellation
Refund to the insured of administrative expenses (2)	6.20% of the total cost of travel for users resident in Spain and Europe
Refund to the insured of cancellation costs billed out of the overall sum in accordance with duly justified circumstances (2)	65% (More than 10 days and less than 15) 75% (Between 3 and 10 days) 100% (48 hours prior to departure) 100% if not present upon departure for reasons occurring on the same day
Refund for holidays not used
The insurer will refund the sum equivalent to days not used provided that the user has been forced to abandon the holiday as a result of transfer for health reasons or the interruption of holidays as covered by the policy (2)	100%
Transmission of urgent messages based on the risks covered	100%
Permanent telephone information service (telephone expenses reimbursable)	00 34 902 101098 00 34 91 7690409
Period of cover: The period of the travel contracted with the Policyholder.

Data Protection Act. The personal data provided will be included in computerised files to be maintained on a confidential basis and in accordance with the terms of the Spanish Personal Data Protection Act (Constitutional Law 15/1999, of 13 December 1999). The Policyholder may submit any queries, updates, corrections and cancellations, if so desired. The Policyholder gives consent for this data to be passed on to other insurance bodies, public or private bodies with purposes of interest to the Policyholder, or for reasons of co-insurance or re-insurance.