Snowcare Lessons: ski and snowboard lessons refund insurance

The following information intended for foreign clients gives a clear, succinct overview of the insurer's identity and the essential content of the insurance contract.

WHO IS THE INSURER?
The Insurance Company is GEFION INSURANCE A/S, Østergade 10DK-1100 Copenhagen K. Denmark.
Snowcare Lessons insurance is distributed by GBC Montagna S.r.l. Corso Magenta 69/A 20123 Milano (MI), Italia.

WHAT RISKS ARE COVERED BY THE INSURANCE AND WHAT IS THE SCOPE OF THE INSURANCE SERVICES?
Snowcare Lessons is a refund insurance product for ski and snowboard lessons. The policy covers to refund the costs of ski/snowboard lessons paid but not attended by the Insured in the cases indicated below.
All guarantees of the insurance are subsidiary to any insurance cover subscribed earlier by the insured/beneficiary and valid when the ski-pass is delivered. In such a case only the damages not already insured by the contract will be covered.
The risks insured and the scope of the insurance cover are stipulated in the General Insurance Conditions (available only in Italian), issued in accordance to the regulations of the Italian Insurance Authority, IVASS.

Benefits and services provided can include the following:

Guarantee Limit
Refund for sickness Full cost of lesson
Refund for injury Full cost of lesson
Refund for death Full cost of lesson
Refund for hospitalization Full cost of lesson
Refund for examination medical convocation Full cost of lesson
Refund for resignation, suspension from work or new hiring Full cost of lesson
Refund for transfer of residence for work reasons Full cost of lesson
Refund for cancellation or modification of vacation plan Full cost of lesson
Refund for inability to reach the ski resort Full cost of lesson
Refund for house damage Full cost of lesson

 

WHO IS INSURED?
The persons insured are the customers and rightful owners of a proof of payment issued by the ski school indicating the insurance cover purchased and the details of the lesson they attend, or any other document or item proving that insurance cover was purchased.

WHAT ARE THE MAIN EXCLUSIONS?
Events that have already occurred at the time the policy is purchased, and those whose occurrence was manifest for the insured person at the time the policy is purchased.
Events connected with participation in dangerous acts or against regulations in full knowledge of the risks.
Events connected with pandemics and epidemics.
Events connected with participation in competitive events even as an amateur.
Injuries occurred practicing of aerial sports, bobsleigh, skeleton, rock-climbing, hockey-on-ice, diving.
This list only indicates the most common exclusions. Other exclusions are stipulated in the General Insurance Conditions.

WHAT ARE THE OBLIGATIONS OF THE INSURED PERSON?
The insured person must ask the refund of the lessons, paid and unused, before the start of the lesson that will not be attended.
The insured person must guarantee during the period of sickness and/or injury availability 7 days out of 7 at the times from 8:00 to 17:00, indicating the domicile in order to allow the possible visit of doctors sent by the Insurer.
The insured person is bound to entirely respect his/her obligations as regards notification, legal or contractual information and the procedures to be followed (e.g. declaring losses promptly to the Isurer).
The insured person is bound to do everything in his/her power to limit the extent of the loss and help in elucidating its cause (e.g. authorizing third parties to remit documents, information and other elements needed to account for the loss to the Isurer).
In case of failure to comply with the above obligations, the Isurer will not be liable.
This list only indicates the most common obligations. Other obligations are stipulated in the General Insurance Conditions.

WHEN DOES THE INSURANCE PERIOD START AND END?
Snowcare Lessons insurance validity starts at 24.00 of the date of payment of the premium by the insured, up to the beginning of the last lesson assured.

INSURANCE VALIDITY
Snowcare Lessons insurance is valid only if the payment receipt, or any other document or item proving that insurance cover was purchased, indicates the premium was paid.

TERRITORIAL VALIDITY
The insurance is only valid in Europe.

HOW TO REPORT AN ACCIDENT OR SEND A REFUND CLAIM?
You can contact the operations center 24 hours a day:
GBC Montagna S.r.l.
Tel.: +39 02 20564.450

You have to cancel the lesson with your ski school and inform the Insurer before the beginning of the lessons.
The claim can be submitted direcly online, filling this form.
Once you have submitted the claim, you must send within 10 days (final deadline):
- the payment receipt;
- every item, invoice or certificate to prove what happened.

HOW ARE PERSONAL DATA PROCESSED?
The Isurer processes data from contractual documents or arising from the execution of the contract and uses them notably to calculate the premium, define the risk, process cases giving rise to services, create statistics or for marketing purposes. These data are securely stored physically or electronically.
These data will be transmitted, if necessary, to interested third parties, including other insurers, authorities, lawyers, doctors and external experts. These data may also be processed to prevent any insurance fraud.
All details about personal data treatment are described in the General Insurance Conditions.

THIS ENGLISH TRANSLATION MAY BE USED FOR INFORMATION PURPOSE ONLY,
THE ITALIAN WORDING PREVAILS IN CASE OF LITIGATION

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