INSURANCE BENEFITS TERMS AND CONDITONS
- DUBAI FIRST CREDIT CARD HOLDERS.
We welcome you as a Dubai First Credit Cardholder to enjoy the various
Insurance benefits provided by the Oman Insurance Company. We request
you to go through the cover details in order to understand thoroughly the
cover offered by us.
FIRST SECURE/MAXIMUM ASSURANCE
IMPORTANT NOTICE
• The First Secure/Maximum Assurance benefits include Death,
Permanent Total Disablement, Hospital Cash Benefit and Involuntary
Loss of Employment.
• First Secure/Maximum Assurance is free for the first month and
thereafter a nominal rate will be applied on the total outstanding
amount for the month.
• Cover automatically starts from the date of activation of the Credit
Card and or the date of inception of the policy whichever is later.
• The Cardholder has the option to opt out of the scheme at any time.
However, once opted out, the Cardholder will not be allowed to rejoin the scheme.
• Cover will be applicable only for Primary Cardholders and shall
exclude Corporate and Lodged Cards. However the outstanding
balance under the supplementary credit card is also covered.
• The Cardholder shall be of age between 18 to 65 but 18 to 59
years in respect of Involuntary Loss of Employment Cover.
• Dubai First retains the right to vary, alter or amend these terms and
conditions at any time without notice.
• The cover is subject to the jurisdiction of the competent courts of
Dubai, United Arab Emirates.
• Dubai First reserves the right, at any time, to reject, discontinue or
cancel the cover applicable without assigning any reason thereof
• Dubai First is not at any time considered as an agent of Oman
Insurance Company, the “Insurance provider”. Any claims or
contestations or any insurance cover shall be negotiated directly with
Oman Insurance Company, Dubai.
• These terms and conditions are extract from the Master Policy issued
to Dubai First by OMAN INSURANCE COMPANY. These terms and
conditions are not the policy.
• The territorial limit is ‘worldwide’ except in respect of Hospital Cash
Benefit and Involuntary Loss of Employment cover for which the
territorial limit is ‘UAE’.
• Death or Disablement shall be due to bodily injury or illness but
excluding the reasons mentioned in the exclusions.
• Benefit payable in respect of Death, Permanent Total Disablement
and Involuntary Loss of Employment shall be written off against the
Cardholder’s total amount outstanding with Dubai First. Benefit written
off against the Cardholder’s outstanding balance shall be deemed to
be Benefit paid to the Cardholder. However Hospital Cash Benefit
will be settled directly to the Cardholder
• The Cardholder shall notify the Company immediately upon Reemployment but not later than 15 days from the date of Re-employment.
Failure to notify the Company shall render the benefits provided under
this cover fully recoverable without contestation.
DEFINITIONS
“Dubai First” means Dubai First Private Joint Stock Company, Dubai United
Arab Emirates.
‘Card’ means Credit Card issued by Dubai First for which the benefits
under this Policy shall apply up to agreed upon limit as determined by
Dubai First from time to time.
‘Company’ means the Oman Insurance Company.
‘Policy’ means the insurance policy provided by the Company to
Cardmember having Eligible Account.
‘Credit Card Agreement’ means an agreement between a Cardmember
and Dubai First outlining the terms and conditions governing the usage
of any card.
‘Accident’ means where the bodily injury is caused solely and directly by
external violent means, is unexpected, unforeseeable and not attributable
to the Cardholder’s intentional self-injury or suicide.
‘Insured’ means Dubai First, United Arab Emirates.
‘Benefit’ means the indemnity payable under the scope of this Cover in
respect of Death or Permanent Total Disablement or Hospital Cash Benefit
or Involuntary Loss of Employment of the Cardholder.
‘Cardholder’ means a Primary Account holder of the Credit Card Facility
with the Insured who has not unsubscribed to the benefits under this Cover
and has not been disqualified by the provisions of this Cover to be eligible
to receive the benefits under this Cover.
‘Cover’ means the First Secure/Maximum Assurance Benefit offered by the
Insured in association with the Company.
‘Cover Period’ means the period after Commencement Date during which
the benefits under this cover shall apply.
‘Credit’ means the credit or other form of financial accommodation
provided by the Insured to the Cardholder under the Credit Card Facility.
‘Credit Card Facility’ means the Insured’s Credit Card Facility which have
been nominated as the facilities to which the benefits under this Cover
are to apply.
‘Date of Event’ means any one of the following:
1. In respect of Death the date of death resulting from an accident or
illness happening/manifesting after the Commencement Date and
during the Cover Period.
2. In respect of Permanent Total Disablement the date of recognition
of Permanent Total Disablement by a Competent Authority resulting
from an accident or illness happening/manifesting after the
Commencement Date and during the Cover Period.
3. In respect of Hospitalisation Cash Benefit the date of admission in the
hospital after the Commencement Date and during the cover period
4. In respect of Involuntary Loss of Employment, the date of notice of
termination served to the Cardholder after the Commencement Date
and during the Cover Period.
‘Death’ means death by injury or illness.
‘Illness’ means a disease or sickness first occurring after the Commencement
Date
‘Indebtedness’ means the total amount outstanding in the Credit Card
Facility as on the Date of Event but excluding any Credit facility availed
after the Date of Event subject to a maximum of the Cardholder’s credit
limit.
‘Injury’ means bodily injury resulting from an Accident occurring after the
Commencement Date.
‘Involuntary Loss of Employment’ means unemployment of the Cardholder
arising out of the unilateral decision of the employer to terminate his
employment contract without citing any reason or for any reason other
than those excluded.
‘Maximum Coverage Age’ means the following age(s) upon attainment of
which the Cover ceases in respect of the Cardholder
i.
Death, PTD and Hospital Cash Benefit: 65 years
ii. Involuntary Loss of Employment: 59 years
‘Permanent Total Disablement’ (PTD) means either of the below as a result
of the injury or illness arising out of a cause not specifically excluded
under this policy·
• Permanent Loss of sight of both eyes
• Physical severance/amputation of two limbs
• Complete and Permanent Paralysis
• Totally Disabled and the Cardholder is rendered unable to earn income
in any occupation, trade or profession for which the Cardholder could
reasonably be expected to be suited through education, training or
experience
Provided that the disability shall be for a period of six consecutive months
and that the Company is satisfied that the Cardholder will be so rendered
indefinitely. However this time limit shall not apply to cases of physical
severance/amputation of limbs.
‘Pre-existing Condition’ means illness, disease or sickness occurring
or manifesting prior to the Commencement Date, for which advice or
treatment was sought or obtained from a medical practitioner, chiropractor,
naturopath, or any other practitioner of a similar kind within twelve months
immediately prior to the Commencement Date.
‘Re-Employment’ means accepting and starting work for a new employer
or the same employer under a new employment contract within 10 (ten)
months from the date of actual unemployment.
SCOPE OF COVER
SECTION 1 - DEATH
In the event of the Cardholder’s Death during the Cover Period due to
injury or illness arising out of a cause not specifically excluded herein, the
Company shall pay the Cardholder’s Indebtedness as on the Date of Event
subject to a maximum of AED 100,000/-.
SECTION 2 - PERMANENT TOTAL DISABLEMENT
In the event of the Cardholder’s Permanent Total Disablement during the
Cover Period due to injury or illness arising out of a cause not specifically
excluded herein, the Company shall pay the Cardholder’s Indebtedness as
on the Date of Event subject to a maximum of AED 100,000/-.
Exclusions Applicable to Section 1 and Section 2
1. No Benefit under this Cover shall be applicable in respect of a
Cardholder where the Event giving rise to a claim under this Cover
occurs as a result of:
(a) Death by suicide within 12 months from the Date of
Commencement;
(b) Illness occurring within 30 days of the commencement date;
(c) Any deliberate self-inflicted injury and/or self-medication
(without a proper prescription from a legally recognised medical
practitioner);
(d) The effects or complications arising from pregnancy;
(e) Any accident occurring on or in or about any aircraft other than
an aircraft in which the Cardholder was travelling as a bonafide
passenger and which is operated by a licensed commercial or
chartered airline;
(f) Nuclear Radiation, Nuclear Fission, Nuclear Fusion and/or
Radioactive Contamination
(g) Riot, civil commotion, strikes and war (whether war be declared
or not), rebellion, insurrection, resurrection, popular rising,
usurped power, terrorism
(h) The influence of alcohol or drugs other than proper use of drugs
prescribed by a legally qualified medical practitioner but this
exclusion shall not apply to Death claim.
(i) Due to Chronic Illness/Condition but this exclusion shall not
apply to Death Claim.
(j) Illness due to pre-existing condition but this exclusion shall not
apply in respect of Death occurring after a continuous period of 6
months from the Date of Commencement. However, this exclusion
is applicable only if the Company is able to substantiate ‘preexisting condition’ within 1 month from the date of submission of
all required claims documentation to the Company.
(k) (a) Acquired Immune Deficiency Syndrome (AIDS), AIDS
related Complex (ARC) as defined by the World Health
Organisation from time to time; or
(b) The presence of the Human Immunodeficiency Virus (HIV) as
revealed by the positive HIV anti-body or HIV test.
2. The benefits under this Cover shall not be applicable to the Cardholder
where the Cardholder has received or have applied to receive a
similar benefit covering the same interest under any other product or
insurance in respect of the period for which the indemnity under this
Cover shall apply.
SECTION 3 - HOSPITAL CASH BENEFIT
In the event of hospitalisation for a minimum period of 24 hours consequent
upon the borrower falling ill or sustaining injury arising out of a cause not
specifically excluded under this policy after the Commencement Date and
during the policy period, the Company shall pay a daily indemnity of AED
200 per person subject to a maximum of 60 days.
Exclusion applicable Hospitalization benefit
i.
Waiting Period : Accident : NIL Sickness : 3 days
ii. Pre Existing Illnesses or conditions
iii. Psychiatric Hospitalization
iv. Home medical care
v. Plastic surgery
vi. No payment shall be made under this policy on the hospitalisation
claim if such hospitatlisation has occurred as a result of:
a. Motor cycling
As a driver or passenger on machines with more than 150 cc
engine capacity; or
As a driver if the cardholder does not have a valid motor cycle
licence
b. Mountaineering or rock climbing that uses ropes or guides, bungee
jumping, scuba diving, pot holing or organised team sports.
c. Big Game Hunting, BMX Stunt Riding, Boxing, Free Climb
Mountaineering, Go-Carting, Gymnastic, High Diving (other than
from a purpose built diving board over a man-made swimming
pool), Jousting, Martial Arts, Micro-lighting, Motor Rallies or
Competitions, Outdoor Endurance, Outward Bound Courses,
Safaris with guns, Show Jumping, Stunt Events, Underground
Activities (other than as a part of an organised excursion or
tour), Water Ski Jumping, White Water Rafting, Wrestling or any
variations thereof. Competing in or practising for speed or time
trials, sprints or racing of any kind. Taking part in expeditions or
being a crewmember on a vessel.
SECTION 4 - INVOLUNTARY LOSS OF EMPLOYMENT
In the event of the Cardholder’s Involuntary Loss of Employment during
the Cover Period due to reasons not specifically excluded herein, the
Company shall pay 10% of the Indebtedness as on the Date of Event
for that month subject to a maximum of AED 4,000/- or every month of
unemployment up to a maximum of 12 months.
Provided that:
a. No Benefit is payable if the Date of Event falls within a period of 90
days after the Commencement Date.
b. The Cardholder remains unemployed during the period for which the
benefit under this policy is paid and shall provide all necessary proofs
as may be called upon by the Company in order to substantiate his
unemployment.
c. The Cardholder/Insured shall inform the Company as soon as the
Cardholder accepts an alternative job within ten months period from
the date of his actual unemployment. In case, it is found that the
Cardholder has been re-employed during the period he has been
taking the monthly benefits, the entire claim will be void and Company
reserves the right to recover the full amount paid to the Cardholder/
Insured as monthly benefit since the beginning of his unemployment.
d. The Cardholder is eligible as per the eligibility conditions provided
hereunder.
e. The Company may at any time elect to pay the entire indebtedness
amount and in the event that the Company elects to pay the entire
Indebtedness amount any time after effecting the first monthly indemnity
payment, the Company shall be liable for the accrued interest only
up to the date of effecting the full and final settlement. If the Company
elects to effect full settlement before effecting the first monthly indemnity
payment, then the liability shall be limited to amount of Indebtedness
only.
Exclusion applicable to Involuntary Loss of Employment
The benefits under this Cover shall not be applicable in respect of
Involuntary Loss of Employment arising out of and/or attributable to and/
or in connection with the following:
i.
Cardholder who has not been continuously employed with the same
employer for a minimum of 6 months
ii. Cardholder who is on probation
iii. Employment on a fixed term contract for less than 2 years or part time
or temporary employment
iv. Resignation or leaving by mutual agreement or voluntary unemployment
or redundancy after voluntary breaks from employment in excess of
normal holiday entitlement.
v. Disability, sickness or accident or any other medical reasons (mental
and/or physical)
vi. Involuntary Loss of Employment which starts within 90 days of the
Commencement Date
vii. Where the Cardholder was aware of pending unemployment on or
before the Commencement Date
viii. Where the unemployment is a normal seasonal part of the employment
or due to non-renewal of employment contract by the authorities
ix. Where the Cardholder has neither been terminated nor become
redundant but his/her salary or allowances is being withheld in part
or in full for any reason of the employment contract
x. Unemployment due to any of the following
a. Misconduct
b. Refusal to accept orders from the superiors
c. Convicted in a crime
d. Dishonesty or Fraudulent Act
e. Non-performance or Under Performance
xi. The period for which payment from the employer is received instead
of working notice
xii. Termination of employment due to voluntary retirement
xiii. Company failure where a contributing cause was a natural
catastrophic peril
xiv. Emiratisation.
GENERAL CONDITIONS APPLICABLE TO CREDIT SHIELD
1. The Cardholder shall furnish the Insured with any information the
Insured may require (including details of the state of health) in respect
of the Cardholder for the benefits hereunder. The Insured may, at
its sole discretion, require the Cardholder to undergo a medical
examination by a legally qualified medical practitioner in the manner
the Insured deems required or fit.
2. The benefits under this Cover shall be extended only to Primary
Cardholders and not to an additional or supplementary Cardholder.
3. No Benefits shall be paid in respect of a Cardholder who attains the
Maximum Coverage Age specified.
4. The benefits under this Cover shall terminate upon the happening of
any one or more of the following.
i.
Cancellation of the Cardholder’s Credit Card Facility.
ii. The Cardholder having attained the Maximum Coverage Age
iii. Upon payment of Benefit for Death or Disablement.
iv. The Cardholder’s Credit Card Account becomes overdue for a
period of 90 days. However, this Cover will be automatically
reinstated once the Cardholder has paid his dues
v. The Cardholder becoming unemployed either voluntarily or
involuntarily. However, the termination shall be only in respect of
Involuntary Loss of Employment;
vi. 6 months prior to the Cardholder’s normal retirement date
depending upon the age of the Cardholder and the law of the
land where he is employed. However, the termination shall be
only in respect of Involuntary Loss of Employment;
vii. Cancellation of the benefits under this Cover by the Insured or
the Cardholder at any time in accordance with the terms and
conditions of this Cover.
5. The observance by the Cardholder of the terms of this Cover and
the truth of the statements and the answers by the Cardholder in the
proposal and other material information provided by the Cardholder
shall be condition precedent to benefits applicable under this Cover. If
the circumstances in which this Cover was extended to the Cardholder
are materially altered without the written consent of the Insured, the
Cover shall become null and void.
6. If any claim under this Cover is in any way fraudulent or unfounded,
all benefits under this Cover shall be forfeited.
7. The maximum cumulative amount of Benefits payable under this Policy
for any one person shall not exceed the amount stated in the herein
irrespective of the number of policies in force or the number of Credit
Card Facilities in respect of which the Cardholder has obtained a
similar benefit as provided under this policy.
8. Disappearance Clause - If a Cardmember disappears during the
currency of the Policy and their body is not found within one year after
their disappearance and sufficient evidence is produced satisfactory
to the Company that leads them inevitably to the conclusion that
they sustained accidental bodily injury and that such injury caused
their death, the Company shall forthwith pay the death benefit as
provided herein and the person to persons to whom such sum is paid
shall sign on undertaking to refund such sum to the Company if the
Cardmember is subsequently found to be living.
CLAIMS PROCEDURE APPLICABLE TO CREDIT SHIELD
1. Upon happening of an event giving rise to a claim under this policy,
the Cardholder/Cardholder’s Legal Representatives shall follow the
following procedure:
a. Give immediate written notice to the Company but not later than
30 days from the Date of Event Within 48 hours at the latest
within 5 days from the date of discharge from the hospital.
b. The Cardholder or the Cardholder’s legal personal representative
shall complete the standard claim form issued by the Company
and submit with such evidence to substantiate the claim to the
satisfaction of the Company as the Company may reasonably
require;
c. The Cardholder or the Cardholder’s legal personal representative
shall submit the following documents:
For Death Claims
i.
ii. Post mortem report (wherever legally required).
iii. Police report (if death was due to an accident).
iv. Medical report* with detailed diagnosis and cause of death
if required by the Company when actual cause of death is not
clearly mentioned in the death certificate.
v. Copy of passport with visa page
For Permanent Total Disablement Claims
i.
ii. Police report (if disability is due to an accident).
iii. Medical report* with detailed diagnosis, cause of disability and
details of treatment given.
iv. Copy of passport with visa page.
Death certificate issued by a competent authority in the relevant
jurisdiction.
Disability certificate from an authorised medical practitioner to
assess disability.
* from an Authorised Medical Practitioner.
For Hospital Cash Benefit Claims
i.
ii. Medical Report from a licensed and registered medical officer
iii. Discharge Summary.
iv. Any other documents as may be required
Police Report if applicable
For Involuntary Loss of Employment Claims
i.
ii. Copy of passport with visa page
iii. Salary slips for the 3 months preceding date of notice of
termination
The Company may also request for a copy of the labour contract from
Employer if it is required to verify the period of employment contract.
All papers as indicated above may be required to be produced in
original (other than those surrendered to the authorities or Employer)
for verification before the final settlement of claim.
Notice of termination from the Cardholder’s employer (the
“Employer”)
BONUS COVERS FOR MASTER CARD HOLDERS.
1. ADDITIONAL FLAT LIFE COVER
In the event of the death of a Cardmember due to any cause (natural
or accidental) while insured, the company will subject to the terms
and conditions of the policy pay to the legal heirs as follows:
Platinum Cardholders – AED 75,000/-
Gold Cardholders – AED 50,000/-
Silver Cardholders – AED 25,000/-
SPECIAL CONDITIONS ADDITIONAL FLAT LIFE COVER
• A Cardmember is covered under the policy if he is holding a valid
primary Card issued by Dubai First on or after the Commencement
Date. A supplementary Cardmember i.e. Cardmember having a
supplementary Card in his or her name, will not be eligible for
cover under the policy.
• In case a primary card member who has more than one Dubai
First credit card the cover will apply on the basis of one card
only. The card member will get the highest sum insured among
the cards in force.
• In case the Cardholder withdraws from Maximum Assurance,
then he is not eligible for this benefit.
• All other terms and conditions would be similar to the Maximum
Assurance Benefit.
2. TRAVEL INCONVENIENCE
INSURANCE.
AND
TRAVEL
ACCIDENT
IMPORTANT NOTICE
• When a Cardmember buys a ticket for overseas travel using
a card, the cardmember is automatically covered under travel
inconvenience and travel insurance benefits.
• If the Cardmember has paid for a portion of the cost of a ticket
(subject to a minimum of 50%) using a Card, the benefit payable
shall be limited to the same.
• The travel insurance benefits detailed in the Policy are applicable
for a maximum period of 60 days from the date of departure
from UAE.
• The travel Insurance benefits are applicable on international
travel, outside United Arab Emirates.
• In case the Cardholder withdraws from Maximum Assurance,
then he is not eligible for this benefit.
DEFINITIONS
For the purpose of this Travel Cover, the following definitions shall apply
unless the context otherwise requires:
Common Carrier whenever used in these terms and conditions means
any land, water air conveyance operated under a valid license for the
transportation of passengers.
Hospital
Means a place that (1) hold a valid license (if required by law), (2)
operates primarily for the care and treatment of sick or injured persons, (3)
has a staff of one or more physicians available at all times, (4) provides
24 hour nursing service and has at least one registered professional nurse
on duty at all times, (5) has organised diagnostic and surgical facilities
available to the Hospital on a prearranged basis, and (6) is not, except
incidentally, a clinic, nursing home rest home or rest home or convalescent
home for the aged or a facility operated as drug and/or alcohol treatment
centre.
Injury means bodily injury caused solely and directly by violent, accidental,
external and visible means occurring during the period of cover.
Medical Necessary Means, at the Company’s sole discretion when the
Physician’s recommendation is (a) consistent with the symptoms, diagnosis
and treatment of the Insured person; (b) appropriate with regard to
standards of good medical practice ; (c) not primarily for the convenience
of the Insured person
Physician
Means a licensed practitioner of the healing arts acting within the scope of
their license. The attending physician may not be (a) the Insured Person (b)
the Insured Person’s spouse or (c) a person who is related to Insured Person
or Insured Person’s spouse, in any of the following child, parent or sibling
Pre-existing Condition - means a condition for which medical care,
treatment, or advice was recommended by or received from a Physician
with a two year period preceding the effective date of cover, or a condition
for which hospitalization or surgery was required within a five year period
preceding the effective date of cover.
Reasonable and Customary Charges
Means a charge which (a) is charged for treatment, supplies or medical
services medically necessary to treat the Insured Person condition (b) does
not exceed the usual level of charges for similar treatment, supplies or
medical services in the locality where the expense is incurred and (c)
does not include charges that would not have been made if no insurance
existed.
Schedule
Means the schedule of benefits attached to and forming part of these terms
and conditions.
Serious Injury or Sickness
Means Injury or sickness certified as being dangerous to life by a qualified
medical practitioner.
Sickness
Means an illness or disease, which first manifests itself and is contracted
while the Policy is in effect requiring treatment by a physician.
Terrorism
Means the use or threatened use of force or violence against person or
property, or commission of on act dangerous to human life or property
or commission of an act that interferes with a disrupts on electronic or
communication system undertaken by any person or group, whether
or not acting on behalf of or in any connection with any organisation,
government, power authority or military force, when the effect is to
intimidate, coerce or harm a government, the civilian population or any
segment thereof, or to disrupt any segment of the economy
Valid
Means those card members to whom the benefit of the policy shall apply
as determined by Dubai First from time to time.
War
Means war whether declared or not, or any warlike activities including
use of military force by any sovereign nation to achieve economic,
geographic, nationalistic political racial religious or other ends.
GENERAL EXCLUSIONS APPLICABLE TO TRAVEL COVER
The Policy does not provide benefits for any loss resulting in whole or in
part from or expenses incurred for.
1. Suicide attempted suicide or intentionally self-infected injury or sexually
transmitted conditions, Acquired Immune Deficiency Syndrome (AIDS)
Human Immune deficiency Virus(HIV)
2. Service in any armed forces or units auxiliary thereto (any premium
paid to the Company for any period not covered by the Policy while
the Insured Person is in the service will be returned pro-rata
3. Participation in any professional, semi-professional, or interscholastic
team sports or any bodily contact sport, being under the influence of
drugs, alcohol intoxicants unless prescribed by a Physician and taken
as prescribed.
4. Participation in a felony, riot, crime, misdemeanor or civil commotion
5. Participation in a contest of speed using a motorized vehicle or
bicycle.
6. Operating or learning to operate any aircraft; or performing duties as
a member of the crew on the aircraft.
7. Participation in skydiving/parachuting, hang gliding, bungee
jumping, scuba diving, mountain climbing, potholing or while riding
on a motorcycle.
8. War, civil war, invasion, insurrection, revolution, use of military power
or usurpation of government or military power.
9. While piloting any aircraft; driving or riding as a passenger in or on
(a) any vehicle engaged in any race, speed test or endurance test (b)
any vehicle being used for acrobatic or stunt diving.
10.Congenital anomalies
11.Terrorism, including any action taken in hindering or defending
against an actual or expected incident of Terrorism
12.The use, release or escape of nuclear materials that directly or indirectly
results in nuclear reaction or radiation or radioactive materials.
13.The dispersal or application of pathogenic or poisonous biological or
chemical materials; or
14.The release of pathogenic or poisonous biological or chemical
materials.
CLAIMING THE TRAVEL BENEFITS
Claims Forms: The Claim form that the Insured Person needs to complete
shall be furnished to the Cardmember by the Company on notification of
a potential claim.
Time for filing claims forms: Completed claim forms and written proof
must be furnished to Oman Insurance Company within 90 days after the
date of such loss. Failure to furnish such proof within 90 days shall not
invalidate or reduce any claim if it was not possible to give proof within
such time. However, in no event will any claim be honored if proof of loss
is not received within 18 months from the date of loss.
Supporting Documents: Original copies of the supporting documents as
mentioned in each insured benefit section must be submitted along with
the claim form.
SCOPE OF TRAVEL COVER.
1. COMMON CARRIER ACCIDENTAL DEATH
The Company will pay the principal sum shown in the Schedule if
injury to the Insured Person results in loss of life, injury must occur
while the Insured Person is riding as a passenger in or on boarding or
alighting from, a Common Carrier whilst an international travel and
the ticket must be purchased using a Card. The loss of life must occur
within 180 days of the date of the accident which caused injury.
2. FLIGHT DELAY
The Company will pay benefits for flight delay, subject to the maximum
shown in the schedule, if the Insured Person’s flight is delayed for four
or more hours due to a covered hazard. Benefits are subject to per
hour maximum shown in the Schedule up to a maximum of eight hours
of delay.
DEFINITIONS
Equipment Failure means any sudden, unforeseen breakdown in the
Common Carrier’s equipment that caused a delay or interruption or
normal trips.
Inclement Weather means any severe weather condition, which
delays the scheduled arrival or departure of a Common Carrier.
Strike means any labor disagreement, which interferes with the normal
departure and arrival of a Common carrier.
COVERED HAZARDS
A. Delay of a Common Carrier caused by Inclement Weather.
B. Delay due to Strike or other job action by employees of a
Common Carrier scheduled to be used by the Insured Person;
or
C. Delay caused by Equipment Failure of a Common Carrier.
EXCLUSIONS
Any delay due to a Covered Hazard, which was made public or
known to the Insured person prior to the purchase of the ticket.
3. BAGGAGE DELAY
The Company will pay the Insured person, up to the maximum stated
in the Schedule, if the Insured Person’s Checked Baggage is delayed
or misdirected by a Common Carrier for more than 4 hours from the
time Insured Person arrives or the destination as per the ticket, other
than the final destination, until the time it arrives.
The Insured Person must be a ticked passenger on a Common Carrier.
Additionally all claims must be verified by the Common Carrier who
must certify the delay or misdirection.
DEFINITONS
Checked Baggage
Means a piece of baggage, which was checked in and in the
custody of a common carrier and for which a claim check has been
issued to the Insured Person Common carrier.
LIMITATION
If upon further investigation it is later determined that Insured person’s
baggage checked with the Common Carrier has been lost, any
amount claimed and paid to Insured Person under his baggage delay
policy section will be deducted from any payment due to the Insured
Person under the baggage loss policy section.
4. COMMON CARRIER BAGGAGE LOSS
The Company will pay benefits if the Insured Person’s baggage which
is in the care, custody and control of a Common Carrier, is lot due to
theft or due to misdirection by a Common Carrier while the Insured
Person is a ticketed passenger on the Common Carrier during the
flight.
The Company will pay the Insured Person, up to the maximum shown
in the schedule. All claims must be verified by the Common Carrier.
The maximum amount to be reimbursed per bag is 50%. A combined
maximum limit of 10% of the amount stated in the schedule is
applicable for the following: Jewellery, articles consisting in whole or
in part of silver, gold or platinum furs, articles, trimmed with or made
mostly of fur, and cameras, including camera equipment, computers
and electronic equipment.
LIMITATION
Benefits for baggage and personal effects will be in excess of any amount
paid or payable by the Common Carrier responsible for the loss.
Benefits for baggage and personal effects will be in excess of all
other valid and collectible insurance.
If at the time of the occurrence of any loss there is other valid and
collectible insurance in place, the Company will be liable only for the
excess of the amount of loss, over the amount of such other insurance,
and any applicable deductible.
EXCLUSIONS
Benefits will not be provided to any loss of
1. Animals, birds, or fish;
2. Automobiles or automobile equipment, boats, motor, trailers,
motorcycles or other with a Common Carrier
3. Household furniture
4. Eyeglasses or contact lenses
5. Artificial teeth or dental bridges
6. Hearing aids
7. Prosthetic limbs,
8. Musical Instruments
9. Money or Securities
10.Tickets or documents
11.Perishables and consumables.
Benefits will not be provided for any loss resulting (in whole or in part)
from
1. Wear and tear or gradual deterioration
2. Insects or vermin
3. Inherent vice or damage
4. Confiscation or expropriation by order of any Government or
Public Authority
5. Seizure or destruction under quarantine or custom regulation
6. Radioactive contamination
7. Usurped power or action taken by governmental authority in
hindering combating or defending against such an occurrence
8. Transporting control band or illegal trade
9. Mysterious disappearances
10.Breakage of brittle or fragile articles, cameras, musical instruments
radios, and similar property
5. EMERGENCY MEDICAL ACCIDENT AND SICKNESS EXPENSE
The Company will reimburse expenses arising out of hospitalization as
per terms in the schedule of benefits subject to any deductible for covered
medical expenses incurred overseas by the Insured Person which are not
due to a pre-existing condition up to the maximum stated in the Schedule
of Benefits for the treatment of an Injury or Sickness sustained by the
Insured Person while this policy is in effect. All expenses must be incurred
within 26 weeks of the date the Insured Person’s coverage terminates as
determined by Dubai First from time to time.
DEFINTIONS
Covered Medical Expenses means expenses incurred overseas due
to hospitalization by the Insured Person for services and supplies
which are recommended by the attending Physician: They include.
The coverage of medical expenses shall include the following
benefits.
1. The services of a Physician
2. Hospital confinement and use of operating room
3. Anesthetics (including administration), X-ray examinations or
treatments, and laboratory tests,
4. Ambulance service, and
5. Drugs, medicines, and therapeutic services and supplies.
LIMITATIONS
Benefits will not be provided for any loss or expense incurred after or
upon return to the Insured Person’s country of residence.
MEDICAL COVER EXCLUSIONS.
1. Services, supplies or treatment, including any period of Hospital
confinement, which were not recommended, approved and
certified as Medically Necessary by a Physician
2. Routine physicals or other examinations where are no objective
indications or impairment in normal heath and laboratory
diagnostic or X-ray examinations except in the course of a disability
established by the prior call or attendance of physician
3. Elective, cosmetic or plastic surgery, except as a result of an accident
4. Dental care, except as a result of injury to sound natural teeth
caused by accident while the Policy is in effect
5. Congenital anomalies and conditions arising out of or resulting
there from
6. Expenses incurred in connection with weak, strained or flat feet;
corns, calluses or toenails;
7. The diagnosis and treatment of acne
8. Deviated septum, including sub mucous resection and /or other
surgical correction thereof
9. Organ transplants that competent medical professionals consider
experimental
10.Everyday child care including exams and immunizations
11.Expenses which are not exclusively medical in nature
12.Eyeglasses, contact lenses, hearing aids, and examination for
the prescription or fitting thereof, unless or Sickness has caused
impairment of vision or hearing
13.Treatment provided in a government Hospital or services for
which no charge is normally made
14.Mental nervous or emotional disorders or rest cures
15.Pregnancy and all related conditions, including services and
supplies related to the diagnosis or treatment of infertility or other
problems related to inability to conceive a child; birth control,
including surgical procedures and devices
16.Pre-existing Condition for which medical care, treatment, or
advice was recommended by or received from a Physician
within a two-year period preceding the effective date of cover
or a condition for which hospitalization or surgery was required
within a five-year period preceding the effective date of cover.
17. Medical expenses covered under any workers compensation policy
18.Medical expenses incurred as the result of alcohol and/or drug
abuse, addiction or overdose.
6. PERSONAL LIABILITY
DEFINITONS
Business includes trade profession or occupation
Bodiliy Injury means bodily harm, Sickness or disease, including
required care, loss of services and death that results.
Occurrence
An accident, including continuous or repeated exposure to substantially
the same general harmful condition, which results, during the policy
period in Bodily Injury or Property Damage
Property Damage
Physical injury to, destruction of or loss or use of tangible property.
Residence Premises
The dwelling where Insured Person resides.
PROPERTY DAMAGE
If a claim is made or a suit is brought against the Insured Person
for Property Damage caused by an Occurrence to which this cover
applies, the Company will pay to the amount stated in the Schedule
towards the damages for which the Insured person is legally liable
MEDICAL PAYMENT TO OTHERS.
The Company will pay the necessary medical expenses that are
incurred or medically ascertained within one year from the date
of accident causing Bodily injury. Medical expenses reasonable
charges for medical, Surgical, X-ray, dental, ambulance, Hospital,
professional nursing, prosthetic devices and funeral services. This
cover does not apply to the Insured Person or regular residents of the
Insured Person’s household. As to others, this cover applies only if the
Bodily injury is caused by an act of or omission of an Insured person
Exclusions
1. Liability which is expected by or intended for the Insured person
2. Liability arising out of or in connection with a Business (includes
trade, profession or occupation) engaged in by the Insured
Person. This exclusion applies but is not limited to an act or
omission, regardless of its nature or circumstance, involving a
service or duty rendered, promised, owned or implied to be
provided because of the nature of the Business
3. Liability arising out of the rental or holding for rental of any part
of any premises by the insured person
4. Liability arising out of the rendering of or failure to render
professional services
5. Liability arising out of a premises, water craft or aircraft that is
owned by, rented to or rented by Insured person.
6. Liability arising out of the ownership maintenance use loading
or unloading of motor vehicles, all other motorized land
conveyances, water craft or aircraft
7. Liability arising out of the transmission of a communicable disease
by the Insured person.
8. Liability arising out of sexual molestation, corporal punishment, or
physical or mental abuse
9. Liability arising out of the use, sale, manufacture, delivery, transfer
or possession by any person of a controlled substance or control
band as defined by any appropriate authority
10.Liability under any contract or agreement.
11.Property Damage to Property owned by the Insured Person.
12.Property Damage to property rented to occupied or used by or in
the care of the Insured person.
13.Bodily Injury to any person eligible to receive any benefits
voluntarily provided or required to be provided by the Insured
person eligible to receive any benefits voluntarily provided
or required to be provided by the Insured person under any
Workmen’s Compensation law, non-occupational disability law
or occupational diseases law; or Legal actions raised by any
family member or traveling companion or family member of a
traveling companion against the Insured person.
7. ASSISTANCE
The Assistance Service will provide the following Services as
described below.
Medial Assistance- As soon as the Assistance Service is notified
of a medical emergency resulting from accident or sickness to the
Insured Person, the Assistance Service will contact the medical facility
or location where the Insured Person is located and confer with the
Physician at the location to determine the best course of action to be
taken. If possible and if appropriate, Insured Person’s family Physician
will be contacted to help arrive at a decision as to the best course
of action to be taken. The Assistance Service will then organize a
response to the medical emergency, doing whatever is appropriate,
including, but not limited to, recommending or securing the availability
of services of a local physician and arranging hospital confinement
of the Insured Person where, in its discretion, the Assistance Service
deems such confinement appropriate.
Medical Evacuation- When in the opinion of the Assistance Services
medical panel, it is judged medically appropriate to move the Insured
Person to another location for treatment or return the Insured Person to
the Insured Person’s residence or country of citizenship, the Assistance
Service will arrange the evacuation, utilizing the means best suited
to be so, based on the medical evaluation of the seriousness of
the Insured Person’s condition, and these means may include air
ambulance, surface ambulance, regular airplane, railroad or other
appropriate means. All decision as to the means of transportation and
final destination will be made by the Assistance Service.
Repatriation- The Assistance Service agrees to make the necessary
arrangements for the return of Insured Person’s remains to the Insured
Person’s country of citizenship in the event Insured Person dies while
this service agreement is in effect as to the Insured Person.
Legal Assistance- If the Insured Person is arrested or is in danger of
being arrested as the result of any non-criminal action resulting from
responsibilities attributed to the Insured Person, the Assistance Service
will, if required, provide the Insured Person with the name of an attorney
who can represent the Insured Person in any necessary legal matters.
Lost Luggage or Lost Passport- If the Insured Person, outside the Insured
Person’s country of residence, notify the Assistance service that Insured
Person’s luggage or passport has been lost, the Assistance service will
endeavor to assist the Insured Person by contacting the appropriate
authorities involved and providing direction for replacement.
General Assistance- The Assistance Service will serve as a central
point for translation and communication for the Insured Person during
emergencies. The Assistance Service agrees to provide to the Insured
Person advice on the contacting and using services available from
consulates, government agencies, translators and other service
providers that can help with travel problems. In addition, the Assistance
Service will provide insurance coordination, verifying coverage of
Insured Person, guaranteeing payment to the medical provider based
on the confirmation of benefits, a charge to credit card (s) and
coordinating the payments, documentation and translation to ease
claim filing when Insured Person returns to place of residence.
Pre-Departure Services- Prior to the Insured Person departure, the
Assistance Service will provide hazard information about foreign
locations, information about immunization requirements and passport
or visa requirements, general information about whether and State
Department and Private Service warnings about travel to certain
locations. The Assistance Service will also arrange for special medical
care en-route (i.e. dialysis, wheelchairs etc.).
Emergency Travel Agency- The Assistance Service agrees to provide
the Insured Person with 24-hour travel agency service for airline and
hotel reservations. The Assistance Service will also arrange payment
to the Insured Person’s airline tickets and other travel services, using
Insured Person’s credit cards. Prepaid ticket pickup at airline counters
or ticket delivery by mail or courier will also be arranged by Assistance
Service for the Insured Person.
Emergency Cash Transfers and Advances- The Assistance Service will
arrange for cash payments to the Insured Person through a variety of
sources, including credit cards, hotels, banks, consulates and Western
Union. The Assistance Service provides this service to supplement the
facilities to the Insured Person’s credit cards. Credit Card transactions
performed by the Assistance Service are subject to confirmed credit.
Disclaimer of Liability- In all the cases the medical profession or any
attorney suggested by the Assistance Service shall act in a medical
or legal capacity on behalf of the Insured Person only. The Assistance
Service assumes no responsibility for any medical advice or legal
counsel given by the medical professional or attorney. The Insured
Person shall not have any recourse to the Assistance Service by
reason of its suggestion of a medical professional or attorney or due
to any legal or other determination resulting there from
The Insured Person is responsible for the cost of services arranged by
the Assistance Service on behalf of the Insured Person or a covered
family member. The Assistance Service will access this policy and/or
other insurance policy benefits to which the Insured Person may be
entitled, and/or other insurance policy benefits to which the Insured
Person may be entitled, and/or Insured Person’s credit cards or other
forms of financial guarantees provided by the Insured person, in order
to facilitate payment of such services.
This insurance has been underwritten by Oman Insurance Company,
Master Group Policy No. This section has been provided to you for
information only. The Insurance is subject to Terms and Conditions in
the Master Policy issued to the Bank and may be subject to change
from time to time with immediate effect.
SCHEDULE OF BENEFITS APPLICABLE TO TRAVEL COVER
• The Schedule of Benefits below is applicable along with detailed
cover in the brochure which is available at (any branch or office
at Dubai First)
• Family in this section means more than one Insured Person, ie.
Two members or more of immediate family whose ticket has been
purchased by using a Dubai First Credit Card.
• Benefit for Family under covers (b), (c) and (d) are applicable
when the family members are traveling on the same flight.
• Currency - United Arab Emirates - Dirham
Dubai First Silver – Credit Card
Benefit
Limits (Currency: UAE Dirhams)
Cardholder
Family
Accidental Death Common
Carrier
600,000
Spouse
600,000 and
Child 60,000
Baggage loss (reimbursement
of expenses for purchase of
essential requisites; per bag limit
Dhs. 1,000)
2,000
4,000
Baggage Delay (reimbursement
of incurred expenses Dhs. 120/
Dhs 240 per hour for delay in
excess of 4 hours)
1,200
2,400
Flight Delay (reimbursement of
reasonable expenses incurred
towards accommodation and
food Dhs. 185. Dhs. 375 per
hour for delay in excess of 4
hours
750
1,200
Emergency hospitalization
expenses (accident and sickness)
elimination period 48 hours
Reimbursement of expenses @
185 per day for a maximum
of 30 days each insured
person
Personal Liability
AED 100,000 each insured
person
Emergency Assistance
Available 24 hour basis whilst
on international travel
Dubai First Gold & Platinum Credit Card
Benefit
Limits (Currency: UAE Dirhams)
Cardholder
Family
Accidental Death Common
Carrier
1,000,000
Spouse
1,000,000
and Child
100,000
Baggage loss (reimbursement
of expenses for purchase of
essential requisites; per bag limit
Dhs. 1,000)
4,000
8,000
Baggage Delay (reimbursement
of incurred expenses Dhs. 120/
Dhs 240 per hour for delay in
excess of 4 hours)
2,000
4,000
Flight Delay (reimbursement of
reasonable expenses incurred towwards accommodation and food
Dhs. 185. Dhs. 375 per hour for
delay in excess of 4 hours
1,200
2,400
Emergency hospitalization
expenses (accident and sickness)
elimination period 48 hours
Reimbursement of expenses @
370 per day for a maximum
of 30 days each insured
person
Personal Liability
AED 500,000 each insured
person
Emergency Assistance
Available 24 hour basis whilst
on international travel
Reimbursement under this policy will be made based on presentation
of original bill/invoices for expense incurred.
FREE COVERS FOR VISA CARD HOLDERS
Even if the Cardholder withdraws from Credit Shield, he will continue to
enjoy this free covers
1. PURCHASE PROTECTION.
IMPORTANT NOTICE.
• Cover automatically starts from the Commencement Date
• Cover will be applicable only for purchases made using a
card.
• Cover is not applicable to those items, which are covered under
any other existing insurance.
• The geographical limit for the Cover is “Worldwide”
• Any claim payable under this cover shall be directly credited to
the Cardmember’s Card account with Dubai First on receipt of
credit advice from Oman Insurance Company, Dubai, subject to
completion of claim formalities.
DEFINITIONS
For the purpose of this policy, the following definitions shall apply
unless the context otherwise requires:
• ‘Covered Purchase’ means an item purchased by a Cardmember
and paid for by using an Eligible Account. For a purchase to be
considered a Covered Purchase, the entire purchase amount for
the item must have been made through the Eligible Account by a
single transaction.
• ‘Due Diligence’ means the performance of all vigilant activity,
attentiveness and care that would be taken by a reasonable
and prudent person in the same or similar circumstances in order
to guard and protect a Covered Purchase from loss, theft or
damage.
• ‘Eligible Account’ means the account with respect to the Card
issued by the Dubai First for which benefits under this Policy shall
apply as determined by Dubai First from time to time.
• ‘Mysterious Disappearance’ means the vanishing of a purchased
item in an unexplained manner where there is an absence of
evidence of a wrongful act by a person or persons.
• ‘Theft’ means a loss, which involves the disappearance of a
Covered Purchase from a place following violent entry and/or
exit.
• “Fire” means that the item insured should be damaged by actual
fire, which would include the following:
(a) There should be actual ignition; and
(b) It should happen under accidental circumstances.
• Riot, strike and malicious damage” means loss of or damage to
the property insured directly caused by: -
(a) The act of any person taking part together with others in any
disturbance of the public peace (whether in connection with
strike or lockout or not)
(b) The action of any lawfully constituted authority in suppressing
or attempting to suppress any such disturbance or in
minimizing the consequences of any such disturbances;
(c) The wilful act of any striker or locked out worker done in
furtherance of strike or in resistance to a lock out resulting in
visible physical damage by external violent means; or
(d) The action of any lawfully constituted authority in preventing
or attempting to prevent any such act or in minimizing the
consequence of any such act.
SCOPE OF COVER
The policy shall cover items purchased (except as per exclusions
hereinafter referred to as “Insured Items”) for accidental or physical
loss or destruction due to any of the following perils:
(a) Fire (duly supported by a civil defense/police report)
(b) Riot, strike and malicious damage.
(c) Theft (duly supported by police report); and
(d) Accidental damage due to unforeseen circumstances beyond
control of the user.
The indemnity to Dubai First/Cardmember shall be provided on the
following basis-
a) If the Insured item is repairable, repair cost charged by the
appropriate dealers service centre less any applicable excess.
The dealer’s service centre shall be advised to the Cardmember
by the retailer from where the purchase was made.
b) If the item is not repairable or is a total loss, the Company shall
issue a credit note for the amount payable (the insured value less
any applicable depreciation). However, the amount of indemnity
shall is no case shall exceed the present new market value of
any item on the date of loss or the sum insured less depreciation,
whichever is lower.
LIMITS OF INDEMNITY INCLUDING SUPPLEMENTARY CARD
Gold Card
members
Silver Card
members
Annual Limit
AED 40,000
AED 12,000
Per Item Limit
AED 40,000
AED 12,000
Per Occurrence Limit
AED 40,000
AED 12,000
EXCESS/DEDUCTIBLES
a) The Excess/Deductibles, which shall apply, will be as follows.
The Company shall pay the repair charges less any excess to
Dubai First. In case of repair charges the Policy shall carry a flat
excess of Dhs 175/- for each claim.
b) In case of total loss, the depreciation shall be charged on the
following basis.
Within 3 months of purchase
NIL
After 3 months to 6 months of purchase
10%
After 6 months to 9 months of purchase
15%
After 9 months to 12 months of purchase
20%
The report issued by any dealer service center authorized with regard
to repairs and/or total loss shall be binding on all concerned.
PERIOD OF COVER
The Policy cover shall apply for one year from the date of any eligible
purchase provided that any eligible account has not been terminated
for whatever reason and the Policy remains in force.
TERMINATION OF COVER
A Cardmember>s coverage shall terminate from the date the
Cardmember is no longer eligible to participate as determined by
Dubai First from time to time.
EXCLUSIONS
1. Covered Purchase does not include:
a. Boats;
b. Motorised vehicles (including but not limited to airplanes,
automobiles and motorcycles) or their motors, equipment
and accessories (including but not limited to communication
devices intended solely for use in the vehicle);
c. Any item which, when purchased, has been used, altered or
is second-hand.
d. Land or buildings (including but not limited to homes and
dwellings);
e. Travellers cheques, tickets of any kind, negotiable instruments,
bullion, rare or precious coins, cash or its equivalent, stamps,
collectable items, custom dental appliances and dwelling;
f.
g. Plants or animals;
Items intended for business or commercial use;
h. Consumables and perishables;
i.
Items which the Cardmember damages through alteration
(including cutting, sewing or shaping); or
j.
Services (including but not limited to the performance or
rendering of labour or maintenance, repair or installation
of products, goods, property or professional advice of any
kind).
2. Theft of, or damage to, jewellery, cameras or video recording
equipment contained in baggage is not covered unless carried
by the Cardmember by hand or under the personal supervision
of the Cardmember or the Cardmember>s travelling companion
previously known to the Cardmember.
3. Coverage is not provided for theft or damage caused by
a. Fraud, failure to follow the manufacturer’s instructions, abuse,
wear and tear, gradual deterioration, seepage or ingress of
water, moisture, humidity, change in atmospheric conditions
including change in temperature,
b. Moths, vermin, inherent product defects,
c. War or hostilities of any kind including but not limited to
invasion, rebellion or insurrection, terrorism, civil war,
usurped power, popular rising; any weapon of war
employing atomic fission or radioactive force, whether in
time of peace or war
d. Nuclear reaction or nuclear radiation or radioactive
contamination, all whether controlled or uncontrolled, and
whether such loss be direct or indirect, proximate or remote,
or be in whole or in part caused by, contributed to or
aggravated by the perils insured against in this Policy;
e. Confiscation by any government, public authority or customs
official;
f.
g. Act of God (including but not limited to flood, hurricane and
earthquake);
h. Mysterious Disappearance including leaving unattended,
forgetting to pick up and leaving in car/taxi/bus or any
other public transport or place
i.
Property while in the care, custody or control of any third
party other than as permitted under exclusion 2.
j.
Normal wear and tear, damage resulting from atmospheric
or climatic conditions, moisture and sweat damage, gradual
deterioration, inherent defects or loss or damage caused
due to cleaning or repairing or renovating any Covered
Purchase.
Losses arising from illegal activity or acts;
4. Coverage is not provided for loss or damage when the
Cardmember fails to exercise Due Diligence to avoid or diminish
loss or damage to Covered Purchases.
5. Coverage is not provided in respect of scratching, denting,
discoloration of painted or polished surface.
6. Items stolen from public places are not covered unless they are
locked wherever and whenever circumstances permit. Stolen
items are not covered unless they are reported as stolen, within
36 hours, to the police or an appropriate authority where the
incident took place.
7. Items stolen from unattended vehicles are not covered.
8. No cover is in force prior to the delivery and personal
acceptance, by the covered person or other designated person,
of a consumer product in perfect condition.
9. Electrical or Mechanical breakdown or derangement and also
any malfunction covered under the Manufacturer’s warranty.
10.Intentional act or wilful neglect; overloading of the instrument
& experiments or attempted self-repair or use of tools and
accessories not compatible with the unit purchased.
11.Consequential Losses of any kind including loss of software of
any kind.
CONDITIONS
Notification of Claims
Immediate notice of loss or damage shall be reported to the Company
but not exceeding 45 days from the date of loss or damage. Failure
to give notice within 45 days from the date of the incident will result
in a denial of the claim. The Cardmember shall take all reasonable
measures to protect, save and/or recover the property and at their
own cost shall surrender the damaged property to the Company
when required.
Non-Contribution Clause
Coverage is limited only to those amounts not covered by any other
insurance or indemnity, up to the original purchase amount. In no
event will this coverage apply as contributing insurance. This «Noncontribution» Clause will take precedence over the «Non-contribution»
Clauses found in other insurance or indemnity language.
Claims Forms
The Company, upon receipt of a notice of claim, will furnish to the
Cardmember the necessary forms for filing the claim.
Proof of Loss
Written proof of loss including any required information necessary
to support a claim must be furnished to the Company at its said
location within seventy five (75) days (or to be advised) after the
date of the incident. The Company will only pay claims that are
completely substantiated in the manner requested within six (6) months
from the date of loss. The Cardmember shall attach all requested
documentation, including a legible copy of the credit card charge
slip/Credit Card Account statement showing the Covered Purchase
and/or store receipt and police report or other proof of loss.
Pair and Set Clause
With respect to Covered Purchase which consist of articles in a pair or
set, the Company’s liability shall be limited to the cost of any particular
part(s) which may be stolen or damaged, unless the articles are
unusable individually and cannot be replaced individually; provided,
however, liability for items of jewellery or fine arts consisting of articles
in a pair, set or collection will not be more than that cost of any
particular parts which may be lost or damaged without reference to
any special value which such article or articles may have as part of
such pair, set or collection.
Misrepresentation
Coverage as to an Cardmember shall be void if, whether before
or after a loss, the Cardmember has concealed or misrepresented
any material fact or circumstances concerning this insurance or the
subject thereof, or the interest of the Cardmember therein, or if the
Cardmember commits fraud or false swearing in connection with any
of the foregoing.
Right to Recover from Others
If the company makes payments, it is entitled to recover such amounts
from other parties or persons. Any party or person to or for whom
the Company makes payment must transfer to the Company his or
her rights of recovery against any other party or person. The party or
person transferring such right must do everything necessary to secure
these rights and must do nothing that would jeopardise them.
2. HOUSEHOLD INSURANCE
IMPORTANT NOTICE.
The terms of the Important Notice contained in the terms and conditions
for Dubai First Purchase Protection insurance shall apply to these terms
and conditions.
DEFINITIONS
• The Definitions contained in the terms and conditions for Dubai
First Purchase Protection Insurance shall apply to these terms and
conditions.
• Household items” means items under ownership of Cardmember
at his residence
• “Insured Residence” means the address given by the Cardmember
to Dubai First to cover the Policy.
SCOPE OF COVER
The policy shall cover household goods at the Insured Residence for
the principal Card member for the following perils.
1. Fire (duly supported by a civil defence/police report.
2. Lightning
3. Riot and Strike damage due to Civil Commotion
4. Storm and Tempest
5. Flood and Inundation
6. Impact damage including damage due to own vehicles.
7. Malicious Damage
8. Aircraft damage and other articles dropped there from
9. Earthquake, Fire and Shock
10.Explosion
11.Bursting and Overflowing of tanks/pipes/apparatus; and
12.Burglary and Housebreaking due to violent and forcible entry
(duly supported by final police report.
LIMITS OF INDEMNITY INCLUDING SUPPLEMENTARY CARD.
GOLD CARD HOLDERS.
Up to a maximum Annual limit of Dhs 25,000 /- for each covered
cardmember
SILVER CARD HOLDERS
Up to a maximum Annual limit of Dhs 10,000 /- for each covered
cardmember
EXCESS/DEDUCTIBLE
An Excess of Dhs 1000/- each of every claim for Silver Cardholders
and an Excess of Dhs 1,500/- each and every claim for Gold
Cardholders.
Period of Cover
The policy cover shall apply for one year from date of activation
of any Card provided that such Card has not been terminated for
whatsoever reason and the Policy remains in force.
Termination of Cover
A Cardmember’s cover shall terminate from the date the Cardmember
is no longer eligible to participate as determined by Dubai First from
time to time.
EXCLUSIONS
The Company shall not be liable in respect of
1. Loss or damage or bodily injury caused by war, invasion, act
of foreign enemy, hostilities or war-like operations (whether war
be declared or not). Mutiny, insurrection, rebellion, revolution,
conspiracy, military or usurped power.
2. Loss or damage directly or indirectly caused by or arising from
or in consequence of or contributed to by ionising radiations or
contamination by radioactivity from any nuclear fuel or from any
nuclear waste from the combustion of nuclear fuel.
3. Loss or damage occasioned by cessation of work, by confiscation,
commandeering requisition or destruction of or damage to the
property by order of the government or any public municipal
or local authority of the country or area in which the property
is situated or occasioned to property by its own fermentation,
natural heating or spontaneous combustion or by its undergoing
any heating or driving process.
4. Consequential loss or damage of any kind or description.
5. Loss or damage caused by depreciation of wear and tear
6. Loss, destruction or damage caused by or arising from the
leakage, spilling or excluding of liquids, oils or materials of a like
nature or articles of a dangerous or damaging nature.
7. Loss, destruction or damage due to or arising out of or directly
or indirectly connected with or traceable to the Card member,
his servants or agents having caused or suffered anything to
be done or to be left undone whereby the risks hereby insured
against were or are increased.
8. The action of moth or vermin or of any process of clearing
repairing or restoring
9. Loss or damage caused by mechanical/electrical failure or
breakdown
10.Loss or damage caused due to delay confiscation or detention
by any customs authorities or other Government officials or
authorities or
11.The Company shall not be liable in respect of loss of cash,
jewellery, precious stone, antiques deeds, bonds, bills of
exchange, promissory notes, cheques, stamps manuscripts,
medals, coins, motor vehicles or livestock.
CONDITIONS
1. If at the time of any loss, damage or liability covered by the
policy, there shall be any other insurances such loss, damage or
liability or any part thereof, the Company shall not be liable to
pay or contribute to the loss.
2. On the happening of any event giving raise to a claim under
the policy, the Company shall be entitled to enter the building
where the loss or damage has happened and to take and keep
possession of the property insurance
3. On the happening of any event giving raise to a claim under the
policy, the company shall be entitled to undertake in the name
on behalf of the Cardmember the absolute conduct, control and
settlement of any proceedings and to take proceedings at its
own expense and for its own benefit but in the name of the
Cardmember to recover compensation or secure indemnity from
any third party in respect of property and/or liability covered
under the policy.
4. If any claim under the policy shall be in any respect fraudulent or
if any fraudulent means or devices are used by the Cardmember
or anyone acting on this behalf to obtain any benefit under the
policy all benefits hereunder shall be forfeited.
5. The Policy does not cover
a. Loss of theft during or after occurrence of a fire
b. Loss or damage to property occasioned by its own
fermentation, natural heating or spontaneous combustion, or
by its undergoing any heating or dying process
c. Loss or damage occasioned by or through or in consequence
of
a.The burning of property by order of any public authority or
b.Subterranean fire
d. Loss or damage directly or indirectly caused by or arising
from or in consequence of or contributed to by nuclear
weapons material; or
e. Loss of or damage to any electrical machine, apparatus,
fixture or fitting (including electric fans, electric household
or domestic appliances, wireless sets, television sets and
radios) or to any portion of the electrical installation arising
from or occasioned by over-running excessive pressure, short
circuiting self-heating or leakage of electricity from whatever
cause (lighting included)
6. The Cardmember shall exercise all reasonable precautions for
the maintenance and safely of the properly.
CLAIMS PROCEDURE
Notification of Claims
Immediate notice of loss or damage shall be reported to the Company
but not later than exceeding 30 days from the date of loss or damage.
Failure to give notice within 30 days from the date of the incident
will result in a denial of the claim. The Cardmember shall take all
reasonable measures to protect, save and/or recover the properly
and at their own cost shall surrender the damaged property to the
Company when required.
Claims Forms
The Company, upon receipt of a notice of claim, will furnish to the
Cardmember the necessary forms for filing of the necessary claim.
3. TRAVEL INCONVENIENCE AND TRAVEL ACCIDENT INSURANCE
Please refer to travel cover available for master card holders.
4. LIFE INSURANCE
DEFINITIONS
‘Cardmember’ means the holder of a primary Card issued to eligible
accounts as determined by Dubai First from time to time.
‘Maximum Sum Insured’ means (i) GOLD CARD AED 50,000 (ii)
SILVER CARD AED 20,000/ Limit per Cardmember
THE BENEFITS
The benefits provided for under the policy are as hereunder.
Death due to any cause
In the event of the death of a Cardmember due to any cause (natural
or accidental) while insured, the company will subject to the terms and
conditions of the policy pay to the legal heirs 100% of the Maximum
Sum Insured per Cardmember.
1. The insurance cover under the policy is 24 hours worldwide
2. The cover includes aircrew, pilots of Emirates Airlines or other
airlines while on duty as paid employees.
3. The Policy is extended to cover Cardmembers taking part or
engaged purely and solely for pleasure purposes in motorcycling
mountain or rock climbing necessitating the use of ropes, guides
winter sports polo, hunting show jumping caving or pot holing
boxing or other martial arts.
ELIGIBILITY
Medical underwriting for all new Card member: New Joiners must
submit a satisfactory heath declaration prior to enrolment which
will be subject to the Company’s prior approval. Non-disclosure
or concealment of accurate medical condition on the health
declaration, will affect the Cardmember’s entitlement to this life
insurance cover protection.
CONDITIONS
1. A Cardmember is covered under the policy if he is holding a
valid primary Card issued by
Dubai First on or after the Commencement Date. A supplementary
Cardmember i.e.
Cardmember having a supplementary Card in his or her name,
will not be eligible for cover under the policy.
2. Minimum age for entry in scheme is on the Cardmember’s
18th birthday and the maximum age for granting cover will be
64th birthday but insurance cover will cease as soon as the
Cardmember attains age 65
3. No Claim is payable arising out of war, invasion, act of foreign
enemies, hostilities or warlike operations (whether war be
declared or not), civil war, mutiny, civil commotion assuming the
proportions of a amounting to a popular rising, military rising,
insurrection, rebellion, military or usurped power or any act
of any person acting on behalf of or in connection with any
organization actively directed towards the overthrow of or the
influencing of any government or ruling body by force, terrorism
or violence or sabotage, Unless the Cardmember was a non
participating victim of the situation described above.
4. In the event of a death of the Cardmember, the Company would
pay the compensation to the legal heirs of the Cardmember..
5. If written notice is given by Dubai First to the Company that the
Policy is to be cancelled, the Policy shall terminate on the date of
receipt of such written notice by the Company or any subsequent
date of cancellation specified by Dubai First.
6. The Cover for a Cardmember shall terminate on
a) Termination of the Credit Card Agreement.
b) Closure of any Card account of any reason
c) The transfer of the Cardmember’s indebtedness to another
person.
d) The date on which any Card account becomes overdue
by 60 days or a complaint is filed with authorities about
non-payment of the dues or the Cardmember is declared
as absconding or a judgment is entered in any Court with
respect to any indebtedness of a Cardmember or
e) The Cardmember having attained age 65
7. In case a primary card member who has more than one credit
card the cover will apply on the basis of one card only. The card
member will get the highest sum insured among the cards in
force.
8. These terms and conditions shall be governed by the UAE laws
and the courts in could not be amicably settled.
9. All monetary amounts specified in the Policy are expressed in the
currency Dirhams, referred to herein as U.A.E.
10.Disappearance Clause
If a Cardmember disappears during the currency of the Policy and
their body is not found within one year after their disappearance
and sufficient evidence is produced satisfactory to the Company
that leads them inevitably to the conclusion that they sustained
accidental bodily injury and that such injury caused their death,
the Company shall forthwith pay the death benefit as provided
herein and the person to persons to whom such sum is paid shall
sign on undertaking to refund such sum to the Company if the
Cardmember is subsequently found to be living.
CLAIMS PROCEDURE
1) In the event of a claim it must be notified to the Company as
soon as possible but in any event not more than 90 days after the
occurrence of the incident giving rise to the claim, together with
any supporting evidence required by the Company from time to
time.
2) The Company shall have the right to require satisfactory evidence
of age before any benefit is paid in respect of any claim under the
policy. If it shall be established that at the time the Cardmember
first became insured here under his age was under stated and
that at such time his true age was 65 years or more, or that
Cardmember would have attained 65 years of age prior to the
anniversary of the Commencement Date for that Cardmember
the liability of the Company shall be limited to a return of the
Premium paid in respect of that Cardmember.
3) In the event of death of a Cardmember the following documents
will be submitted to the Company by the Cardmember.
A. An official letter signed by the Card member intimating the
claim.
B. Original official death certificate or copy duly attested
should be submitted supporting the claim provided death
occurs with the UAE.
C. In the case of death occurring outside the UAE, the original
death certificate must be submitted, duly notarized and
attested by the UAE embassy of the country where the death
took place. Subsequently, the same should be attested by the
embassy of the country in the UAE and Ministry of Foreign
Affairs in the UAE.
D. Copy of the passport with the UAE visa page. The Visa of
the Cardmember should be valid and should no have been
expired for more than 6 months of the date of death.
The above documents will have to be verified by the Company
E. In the event a death certificate or the Medical report is not
available as the case may be, the Company shall request
for any other form of proof of death as it may consider
appropriate that can satisfy the Company as to (a) the date
and (b) the cause of death of the insured person.
F. Latest 3 months Dubai First Card statements.
EXCLUSIONS
No benefit will be payable if Death occurs either directly or indirectly
as a result of any of the following causes:
a. Active participation in a war or in warlike perils.
Cover does not cease when terrorist activity is involved as along
as the insured person is not an active Participate.
Active Participant in warlike operations means an active member
of the military forces eg. Army, navy air force, territorial army or
police or any other special forces activated by government or
other public authorities to defend law and order in the case of
warlike operation, or any other person who takes up arms in an
active or defensive role.
Warlike operations means hostilities mutiny, riot, civil commotion,
civil war, rebellion, revolution, insurance conspiracy military or
usurped power and martial law or state of siege
b. Passive war cover is excluded if an insured person is permanently
assigned to a country after war has been declared in that country
or after it has been recognised as a war zone by the United
Nations or where there are warlike operations as described 1.1
as above.
Permanently means on assignment of more than twenty eight
days