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Provided to Specially Selected Cardmembers
at no extra cost by U.S. Bank National Association ND
Business- $250,000 in Travel Accident
Insurance
As an eligible Cardmember of U.S. Bank
National Association ND, you, your spouse and your dependent
child(ren)* will be automatically insured against accidental
loss of life, limb, sight, speech or hearing while riding
as a passenger in, entering or exiting any licensed common
carrier, provided the entire cost of the passenger fare(s),
less redeemable certificates, vouchers or coupons, has been
charged to your credit card issued by U.S. Bank National Association
ND. If the entire cost of the passenger fare has been charged
to your credit card issued by U.S. Bank National Association
ND prior to departure for the airport, terminal or station,
coverage is also provided for common carrier travel (including
taxi, bus, train or airport limousine, but not including courtesy
transportation provided without a specific charge), immediately,
a) preceding your departure, directly to the airport, terminal
or station, b) while at the airport, terminal or station,
and c) immediately following your arrival at the airport,
terminal or station of your destination. If the entire cost
of the passenger fare has not been charged prior to your arrival
at the airport, terminal or station, coverage begins at the
time the entire cost of the travel passenger fare is charged
to your credit card issued by U.S. Bank National Association
ND. Common Carrier means any land, water or air conveyance
operated by those whose occupation or business is the transportation
of persons without discrimination and for hire.* Dependent
Child(ren) means unmarried children who are primarily dependent
upon the insured for maintenance and support and who are under
the age of 19 and reside with the insured, beyond the age
of 19 who are permanently mentally or physically challenged
and incapable of self support, or up to the age of 25 if classified
as a full-time student at an institute of higher learning.
This travel insurance plan is provided
to Cardmembers by U.S. Bank National Association ND, automatically
when the entire cost of the passenger fare(s) are charged
to your credit card issued by U.S. Bank National Association
ND while the insurance is effective. It is not necessary for
you to notify U.S. Bank National Association ND, the administrator
or the Insurance Company when tickets are purchased.
This travel insurance plan is provided
at no additional cost to eligible Cardmembers by U.S. Bank
National Association ND. U.S. Bank National Association ND
pays the accountholders premium.
The Loss of Life benefit will be paid
to the beneficiary designated by the insured. If no such designation
has been made, that benefit will be paid to the first surviving
beneficiary in the following order: a) the Insured’s
spouse, b) the Insured’s children, c) the Insured’s
parents, d) the Insured’s brothers and sisters, e) the
Insured’s estate. All other indemnities will be paid
to the Insured.
The full Benefit Amount is payable
for accidental loss of life, two or more members, sight of both
eyes, speech and hearing or any combination thereof. One half
of the Benefit Amount is payable for accidental loss of: one
member, sight of one eye, speech or hearing. “Member”
means hand or foot. One quarter of the Benefit Amount is payable
for the accidental loss of the thumb and index finger of the
same hand. “Loss” means, with respect to a hand, complete
severance throughout or above the knuckle joints of at least
4 fingers on the same hand; with respect to a foot, complete
severance through or above the ankle joint. The Company will
consider it a loss of hand or foot even if they are later reattached.
“Benefit Amount” means the Loss amount applicable
at the time the entire cost of the passenger fare(s) is charged
to your credit card issued by U.S. Bank National Association
ND. The loss must occur within one year of the accident. The
Company will pay the single largest applicable Benefit Amount.
In no event will duplicate request forms or multiple charge
cards obligate the Insurance Company in excess of the stated
Benefit Amount for any one loss sustained by any one individual
insured as the result of any one accident.In the event of multiple
accidental deaths per credit card account arising from any one
accident, the Company’s liability for all such losses will
be subject to a maximum limit of insurance equal to two times
the Benefit Amount for loss of life. Benefits will be proportionately
divided among the Insured Persons up to the maximum limit of
insurance.
This insurance does not cover loss
resulting from: 1) an Insured’s emotional trauma, mental
or physical illness, disease, pregnancy, childbirth or miscarriage,
bacterial or viral infection (except bacterial infection caused
by an accident or from accidental consumption of a substance
contaminated by bacteria), or bodily malfunctions; 2) suicide,
attempted suicide or intentionally self inflicted injuries;
3) declared or undeclared war, but war does not include acts
of terrorism. This insurance also does not apply to an accident
occurring while an Insured is in, entering, or exiting any
aircraft while acting or training as a pilot or crew member,
but this exclusion does not apply to passengers who temporarily
perform pilot or crew functions in a life threatening emergency.
This insurance is effective November
1, 2001 and will cease on the date the Master Policy Number
6477-08-43 is terminated or on the date your credit card issued
by U.S. Bank National Association ND ceases to be in good
standing, which ever occurs first.
Answers to specific questions can be
obtained by writing the Plan Administrator. To make a claim
please contact the Plan Administrator.
This description of coverage
is not a contract of insurance but is simply an informative
statement of the principal provisions of the insurance while
in effect. Complete provisions pertaining to this plan of
Insurance are contained In the master policy on file with
the Policyholder: U.S. Bank National Association ND. If this
plan does not conform to your state statutes, it will be amended
to comply with such laws. If a statement in this description
of coverage and any provision in the policy differ, the policy
will govern.
The benefit
amount payable varies according to the credit card you charged
your fare(s) to. Your coverage amount depends on card held
with U.S. Bank National Association ND. For exact coverage
amount please consult your Benefits and Services Guide or
Cardmember Services.
Plan Underwritten
By
Federal Insurance Company, a member insurer of the Chubb Group
of Insurance Companies
15 Mountain View Road, P.O. Box 1615
Warren, NJ 07061-1615
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