Coverage

. Who is covered?
The Visa Infinite cardholder will benefit from this insurance policy as well as the cardholder's immediate family (travelling with him/her).
Immediate family members include a spouse, financially dependent children (under 19 years of age), parents, parents in law, brothers and sisters.

. How to get coverage?
You will be covered during your trip whenever you use your Bank Audi Visa Infinite card to pay:
the cost in full of your airline ticket (and your family members' tickets)
or
the airport tax when travelling with a complementary ticket (received from air mile or point system programs).

. Period of insurance:
This policy covers you during your travel outside your home country and for a period not exceeding 90 days.

. Territorial limits:
Worldwide excluding Lebanon

. What is covered?
a) Medical Expenses up to $1,000,000
If during a trip the Visa Infinite cardholder is unexpectedly ill, injured or admitted into hospital or clinic (for more than 12 hours), the insurance company should be contacted immediately in order to confirm the conditions of cover and arrange for the direct payment of medical bills if required.
The insurance company will be responsible to pay up to the amount stated here below in respect of medical, hospital and treatment expenses (including emergency dental treatment for immediate relief of pain only):
- Medical and other expenses $1,000,000
- Overseas burial costs $2,000

b) Personal Accident up to $500,000
In the event the Visa Infinite cardholder sustains accidental bodily injury during his/her travel, then he/she will be covered for up to $500,000 in case the bodily injury results in any of the following losses:
- Death by Accidental Bodily Injury $500,000
- Loss of one or more Limbs $500,000
- Loss of one or both eyes $500,000
- Permanent Total Disablement $500,000

c) Daily Hospital Benefit up to $3,000
In the event that the Visa Infinite cardholder is admitted to a hospital abroad, as an in-patient due to Accidental Bodily Injury or Sickness during the trip, the insurance company will pay to the Cardholder a benefit of:
- $100 for each complete day (up to $3,000 in all)
(The Daily Hospital Indemnity is payable for up to 30 days)

d) Baggage & Personal Effects up to $3,000
If during a trip the Visa Infinite cardholder personal baggage is accidentally lost, stolen or damaged, he/she will be indemnified for up to $3,000 for the basic value or cost of repairs, whichever is lesser.
- Single article limit $1,000
- Jewellery and valuables limit $1,000

e) Personal Liability up to US$1 million
The Visa Infinite cardholder will be indemnified for legal liability up to $1,000,000 arising during the period of insurance as a result of
- Accidental injury to any person $1,000,000
- Accidental loss or damage to another person's property US$1 million

f) Travel Delay up to $640
The insurance company will reimburse the Visa Infinite cardholder of necessary expenses incurred up to the amount stated below if the aircraft, ship or train in which the cardholder had arranged to travel from or to the country of domicile, is delayed due to strike, industrial action, adverse weather conditions, mechanical breakdown or derangement of the aircraft, ship or train.
- After the first eight hours: $40
- Increasing by $40 per hour
- Up to a maximum of 24 hours: $640

j) Hijack up to $1,500
In the event that the ship, aircraft or train that the Visa Infinite Cardholder is travelling in is hijacked, the insurance company will pay to the cardholder the following amounts:
- Per day: $50
- 30 days up to a maximum of$1500
*Deductibles:
- Deductible for medical expenses: $200
- Deductible for baggage and personal effects: $100