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23.1 Premiums, including renewal premiums for Annual Travel, are determined by the Company and shall be payable in advance for the whole insurance period before the commencement of the insurance.

23.2 The policyholder shall be responsible for punctual payment of the premium to the Company.

23.3 In the event of failure to pay before the date of commencement of the insurance, the insurance shall not be effective and the Company shall not become liable.

23.4 Refund of premium is possible only if a written request is received by the Company prior to the commencement date of the insurance. The Company will charge a fee in connection with refund of premium. After the commencement date of the insurance, the premium is considered fully earned and non-refundable.

POLICY CONDITIONS ( Policy Conditions )

Art 1 - Acceptance of the insurance	Art 14 - Delayed baggage
Art 2 - Date of commencement and extensions	Art 15 - Personal liability
Art 3 - Who is covered by the insurance?	Art 16 - Flight delay
Art 4 - Where is cover provided?	Art 17 - Hospital daily benefit
Art 5 - What is covered by the insurance?	Art 18 - Security and legal assistance
Art 6 - Medical expenses	Art 19 - Trip Cancellation Option
Art 7 - Medical evacuation / repatriation	Art 20 - Exceptions for compensation
Art 8 - Evacuation	Art 21 - How to report a claim
Art 9 - Return trip	Art 22 - Cover by third parties
Art 10 - Compassionate Emergency Repatriation	Art 23 - Payment of premium
Art 11 - Next-of-kin Accompaniment and Compassionate Emergency Visit	Art 24 - Necessary information to the Company
Art 12 - Personal accident	Art 25 - Assignment, cancellation and expiry
Art 13 - Baggage	Art 26 - Disputes, venue, etc
	glossary

Single Trip

Annual Travel.

Travel Cover and Benefits

Return to IHI travel insurance information...

Telephone	(+34) 91 8043802
Mobile	(+ 34) 609 522 300
Fax	(+ 34) 91 8032484
email	saniprof@mail.ddnet.es

BUPA Travel insurance

Travel insurance for business trips (for all employees including board members, travelling spouses, children and guests for a combined company total of over 200 days a year)

Travel insurance within the Schengen area (eg for people applying for an entry visa to the Schengen area with an insured amount of at least 30,000 euros)

Seguro de viaje para los negocios (la compañía decide quién puede ser cubierto, incluyendo los miembros del consejo directivo, esposas, hijos y invitados - con un mínimo global para toda la compañía de 200 días al año)

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Mainly health plans S.L CIF: B19250372 Inscrito en el Registro Mercantil de Guadalajara: Documento: 1/2007/1.655,0 Diario: 14 Asiento: 779 Tomo 495 Libro: 0 Folio: 71 Hoja: GU-6611.

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