Seguro Viaje Gratuito AMR | Secrets Lanzarote

The Insured may have access to remote medical consultation services with one of our medical professionals (Video Consultation, through app or web; Tele Consultation, via web), in which images and files can be exchanged through the procedures set available to the Insured in the tool. In the event that this doctor deems it necessary, he or she may Tele Prescribe the appropriate drug and send it by email, all in accordance with the provisions of current regulations on the Protection of Personal Data.

The Insurer is responsible, up to the limit indicated in the particular conditions and insurance certificate, for events as a result of an accident or illness occurring to the insured:
a) Medical and surgical expenses and fees.
b) The pharmaceutical expenses necessary for medical prescription, for the treatment of pathologies covered by this policy.
c) Hospitalization expenses.
d) In the event of a vital emergency as a consequence of an unforeseeable complication of a chronic or pre-existing disease, the Insurer will only be responsible for the expenses of a first health care carried out as an emergency and within the first 24 hours from its date. admission to the hospital.

In order to verify that the care received is appropriate, the Insurer's Medical Team will be in contact with the Health Center where the Insured is being treated.

In case the Insured suffers an illness or an accident, the Insurer will take charge:
a) The amount of the cost of transportation by ambulance to the nearest clinic or hospital.
b) Prior control by the Insurer's Medical Team, in contact with the doctor who treats the injured or sick Insured, to determine the appropriate measures for the best treatment to be followed and the most suitable means for their transfer to the most appropriate hospital center or to your home.
c) The amount of the travel expenses originated by the place of the first assistance, the injured or sick person, by the most appropriate means of transport, to the hospital center prescribed, and authorized by the Insurer, or to their habitual residence. In the event of hospitalization in a hospital center not close to your home, the Insurer will take charge, at the time of the insured's medical discharge, of the subsequent transfer to his or her habitual residence or to a vacation destination.
The means of transport used will be organized according to the pathology of the insured. When the urgency and seriousness of the case so require, repatriation may be carried out by special medical plane if the patient is in Europe and countries bordering the Mediterranean. In any other place, it will be carried out by scheduled plane.
In order to verify that the care received is appropriate, the Insurer's Medical Team will be in contact with the Health Center where the Insured is being treated.

Transportation or repatriation of the Insured and / or Insured Companions
a) When one or more of the Insured has been transferred or repatriated due to illness or accident in accordance with the guarantee of transport or sanitary repatriation of the injured or sick, the Insurer will take charge of the transport of up to two insured companions for the return from them to the place of their habitual residence or to the place where the transferred or repatriated Insured is hospitalized, as well as their subsequent transfer to their home. The Insurer is subrogated to the rights of the insured for the return tickets initially planned.
b) If the Insured referred to in the preceding paragraph a), were under 15 years of age or disabled and did not have a relative or trusted person to accompany them on the trip, the Insurer will make a person available to them. to travel with them to their place of residence or to where the Insured is hospitalized.
c) In the event that the insured, once his / her state of health has been restored (under the supervision of the medical team that has attended him and in agreement with the insurer's medical team) is allowed to rejoin the travel plan, the Insurer will charge of the expenses of said reinstatement for himself and the insured companions who have availed themselves of this guarantee.

Transportation or repatriation of deceased
a) The Insurer will take charge of all the formalities to be carried out at the place of death of the Insured, as well as their transportation or repatriation to the place of burial in their country of habitual residence.
b) The Insurer will take charge of the transportation of the insured family members to the place of burial. Likewise, the insurer is subrogated to the rights of the insured for the return tickets initially planned.
c) If the insured companions are under 15 or disabled and do not have a relative or trusted person to accompany them on the trip, the Insurer will make a person available to them to travel with them to the place of burial.

When the guarantee of payment of medical expenses applies, the Insurer will bear the costs of prolonging the Insured's stay in a hotel, after hospitalization and / or under medical prescription, up to a maximum amount of € 150 per day. and with a maximum of 10 days per Insured.

When the guarantee of payment of medical expenses applies, the Insurer will be responsible for the expenses of prolonging the stay of the Insured companion in a hotel, after hospitalization and / or under medical prescription, up to a maximum amount of € 150 per day and with a maximum of 10 days per Insured.

When the Insured is hospitalized and his stay is expected to last for more than five days, the Insurer will make a round trip ticket available to a family member or person designated by the Insured in order to come to his side.
If said hospitalization occurs more than 100 km away from the insured's habitual residence, the Insurer will bear the expenses of the relative's stay in a hotel, against the appropriate supporting documents, up to the maximum amount of € 150 per day and with a maximum of 10 days.
In the event that said family member or designated person is already in the place of hospitalization of the insured because it is included in this policy and by virtue of the transport or repatriation guarantee of the Insured, the expenses of stay and return will be covered. , as established by this guarantee.

If a family member of the Insured (according to the definition of the aforementioned) dies or is hospitalized for at least two nights in his country of habitual residence, the Insurer will be responsible for the possible surcharges or Penalties for modifying the original trip ticket or in the case in which it is not allowed to anticipate the same, the Insurer will take care of a return ticket, on a regular tourist class line or by train, for the insured to the place of burial or hospitalization of the relative in the country of habitual residence of the Insured. The Insured may choose another ticket for the transportation of the person they accompanied on the same trip, provided that this second person is insured by this policy.

If during the trip there is a fire, water or gas leak in your residence (main or secondary) or in your professional premises if the Insured is a direct operator or if he exercises a liberal profession in the same, the Insurer will take the your charge is a return ticket for the Insured to go to his home or professional premises. The Insured may choose another ticket for the transport of the person they accompanied on the same trip, provided that this second person is insured by this policy.

This guarantee will apply only when the insured is forced to conclude his trip, once it has started, and return early to his place of residence, for any of the causes of repatriation or early return covered by the coverage of this policy.
The reimbursement of vacation expenses not taken may not exceed the result of dividing the insured capital for cancellation expenses by the actual number of nights of the contracted trip, multiplied by the number of nights (24 hours) that remain. to end it from the moment the insured is repatriated, for any of the reasons described above, up to the maximum limit of € 500.
From the resulting amount, the amount of the original transport ticket planned for the return must be excluded, if it has not been used by the insured, unless the transport ticket does not allow any type of refund or exchange.

If, as a consequence of a hospitalization, prescribed and indicated by the Insurer's medical team, the Insured loses scheduled services and initially foreseen in the contracted itinerary, the Insurer will reimburse this loss up to the maximum limit indicated in the particular conditions and insurance certificate.

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