With travel insurance, if travelers are injured, compensation will be guaranteed. Here's what you need to know

The last thing you expect when setting off on vacation is to suffer an injury, but unfortunately it can happen. If you have chosen to spend your vacation at a Barbarhouse facility and have signed up for a policy tailored for our customers by UnipolSai, we have some good news for you.

You should know that Viaggi Protetto's guarantee on Accidents intervenes if you suffer injuries while traveling, while performing non-professional activities, or that have caused death or permanent disability.

Accident of the insured, what does Viaggi Protetto provide.

With the Accident policy of Viaggi Protetto, the Company compensates for injuries suffered by the insured traveler while traveling, while performing any activity that is not of a professional nature. The insured, when taking out the policy, may read from the contract that " Alsoconsidered 'accidents' are:

• accidents resulting from the use and driving of all motor vehicles and watercraft;
• asphyxia not of morbid origin;
• acute poisonings from ingestion or absorption of substances;
• drowning;
• electrocution;
• frostbite or frostbite;
• sunstroke of heat or cold;
• infections and poisonings resulting from injuries, animal bites and insect stings;
• injuries sustained in a state of sickness, unconsciousness;
• injuries resulting from inexperience, recklessness or negligence, including gross negligence;
• injuries caused by exertion, with extension of the guarantee to hernias
• injuries resulting from popular riots or acts of terrorism, vandalism, and attacks.

The maximum limits for accidents with the Travel Protected policy.

With the Viaggi Protetto policy, insurance is provided up to a maximum limit of 50,000.00 euros for cases of death or permanent disability.

Accidents caused by war and insurrection

A separate note deserves the case of accidents caused by war or insurrection. In fact, for the Safe Travel policy, accidents derived from the state of war are excluded. Different, however, is the case when the insured traveler is surprised by the outbreak of the above-mentioned events while outside the territory of the Italian Republic, Vatican City and Republic of San Marino.

In this case, the insurance is also valid for accidents resulting from a state of war (declared and undeclared) or popular insurrection for the maximum period of 14 days from the beginning of hostilities or insurrection. The insurance does not operate in the case of aviation accidents and for those serving in military service.

Here are in detail the Guarantees on Accidents.

Death

The saddest of all eventualities is death on vacation. If the accident of the insured travelers results in death, the Company pays the sum insured to the designated beneficiaries or, in the absence of such designation, to the heirs of the insured traveler in equal shares. This happens if the death occurs - even after the expiration of the policy - within 2 years from the day of the accident,

Compensation for death cannot be combined with that for permanent disability. However, if after the payment of an indemnity for permanent disability the death of the insured person occurs as a result of the accident, the Company will pay to the beneficiaries the difference between the indemnity for death and the indemnity already paid for permanent disability, if less.

Permanent Disability

If the accident that occurred while traveling results in thepermanent disability of one of the insured travelers, compensation is payable only if such disability has occurred - even after the expiration of the insurance - within 2 years from the day of the accident.

Compensation for permanent partial disability shall be calculated proportionately to the sum insured for permanent total disability.

The percentage for the degree of permanent disability shall be ascertained by reference to the table of percentages of disability in Annex 1 of Presidential Decree No. 1124 of June 30, 1965, as amended up to the date of the conclusion of the policy. If the accident involves impairment of the upper limbs, in the case of left-handedness, the percentages of disability provided for the right side will apply to the left side and vice versa.

If the injury involves not total loss but impairment, the percentages specified will be reduced in proportion to the lost function. In cases of unspecified permanent disability, compensation shall be established by reference to the percentages of the cases indicated, taking into account the diminished general capacity for work, regardless of the insured's occupation.

In the case of total loss, whether anatomical or functional, of several organs or limbs, a percentage of disability equal to the sum of the individual percentages due for each injury shall be applied, with a maximum of 100%.

Presumed death

What if death is only presumed? If the insured is missing as a result of an accident, the body is not found, and death is presumed to have occurred, the Company shall pay the beneficiaries the sum insured for the case of death. The settlement shall not take place earlier than 6 months after the submission of the petition for declaration of presumed death according to Articles 60 and 62 of the Civil Code.

If after the payment of compensation for presumed death it is proved that the insured is alive, the company has the right to take action against the beneficiaries and/or the insured for restitution of the sum. After restitution, the insured may assert claims for any residual permanent disability.

Natural events

Travel insurance covers accidents resulting from earthquakes, volcanic eruptions, tidal waves and floods. In case the event affects more than one insured person in the same policy, the Company's outlay shall not exceed the total amount of 300,000.00 euros.

Provisions and Limitations of the policy on Travel Accidents.

There are certain limitations for the policy on Accident. They are:

• uninsurable persons: regardless of the concrete assessment of the state of health, persons suffering from alcoholism, drug addiction, epilepsy, or the following mental illnesses are uninsurable: organic brain syndromes, schizophrenia, manic depressive forms, paranoid states. Insurance ceases upon the occurrence of such afflictions.
• Age limits: the insurance is valid for persons not more than 75 years of age; for persons who reach this age during the term of the contract, the insurance remains valid until the next annual premium due date.

Exclusions for accidents, here are what they are

• use, including as a passenger, of motor vehicles or watercraft in races, competitions and related trials;
• driving any motor vehicle or watercraft, if the insured is without the prescribed and valid license, except in the case of driving with an expired license but provided that the insured has, at the time of the accident, the requirements for renewal;
• driving and use of agricultural and operating machinery;
• motor boats for non-private use and diving means;
• driving and use of aerial means of locomotion of any kind, except as provided in Article 06 Flight Risk;
• practice of sports involving the use of aerial means of locomotion, including those defined by law as "apparatus for recreational sport flying" i.e. ultralights, hang gliders, parachutes, paragliders and the like ;
• practice of sports such as e.g. boxing, heavy athletics, wrestling in its various forms, martial arts in general, speleology, jumping from a trampoline with skis or hydro skis, acrobatic skiing in general (freestyle), bobsledding, skeleton, bobsledding, rugby, American football, diving other than free diving, mountaineering with climbing up to the 3rd grade carried out in isolation, mountaineering above grade 3 however carried out, free climbing (free climbing), ski mountaineering, extreme skiing, river canoeing, rappelling down rapids, ice or roller field hockey, skateboarding
• practice of soccer, football, cycling, horseback riding, skiing, roller or ice skating, volleyball, basketball, water polo, handball, modern pentathlon. And also fencing, baseball, rowing, if the injury occurs during contests and competitions (and related practice or training) organized or conducted under the auspices of the respective sports federations or associations comparable to them ;
• drunkenness, use of hallucinogens, non-therapeutic use of narcotics or psychotropic drugs;
• poisoning excluding what is provided for in Art.1 above, and infections that do not have as their direct and exclusive cause an injury falling within the definition of accident, the consequences of surgical operations or treatments not made necessary by accident;
• criminal actions or participation in reckless undertakings performed or attempted by the insured;
• energy transformations or settlements of the atom, natural or provoked, and by acceleration of atomic particles (nuclear fission and fusion, radioactive isotopes, accelerating machines, x-rays, etc.)
• radioactive, bacteriological, and/or chemical substances when used for non-peaceful purposes;
• "Accidents" are not considered to be heart attacks caused by any cause whatsoever."

Deductible for permanent disability

Disputes - informal arbitration

How are disputes of a medical nature on the indemnifiability of a claim resolved? In such a case, the Parties may mandate the decision to a Board of three physicians.

The doctors are appointed one by each party and the third by mutual agreement. Otherwise, by the Council of the Medical Association that has its seat in the place where the College is to meet, i.e. in the municipality seat of the Institute of Forensic Medicine closest to the place of residence of the insured.

Each Party shall bear the costs and remunerate the physician it has designated, while the fees for the third physician shall be borne by the losing Party.

The decisions of the Medical Board are made by majority vote and are binding on the Parties, who waive any appeal, except in cases of violence, malice, error or breach of contractual covenants.

The results of the operations of the experts shall be compiled in a report to be prepared in duplicate, one for each of the Parties. The decisions of the Medical Board shall be binding on the Parties even if one of the doctors refuses to sign the report, which refusal shall be attested in the report.

How the injury of the insured or beneficiaries is reported.

The insured traveler or his or her beneficiaries, following an accident, must make a report of the accident to the Company by telephone toll-free at 800406858.

The number operates Monday through Friday from 8 a.m. to 7:30 p.m., and on Saturdays from 8 a.m. to 2 p.m.

The telephone report must be made within 3 days from when you have the opportunity.

You can send, also within 3 days, the written complaint to UnipolSai Assicurazioni S.p.A. - Tourism Claims Office - C.P. 78 - 20097 San Donato Milanese (MI).

The written report must be signed by the insured or his or her assignees, and accompanied by a medical certificate (or from the Emergency Room), personal data of the insured, social security number, indication of the place, day and time of the event, and a detailed description of the incident.

The insured or his or her beneficiaries must allow the Company to make necessary investigations and assessments, releasing from professional secrecy the doctors who examined and treated the insured.

Criteria of indemnifiability

Waiver of the right of subrogation

The Company waives the right of subrogation provided for in Article 1916 of the Civil Code against third parties responsible for the accident, in favor of the insured or his or her assignees.