Nomad Insurance Essential description of coverage
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SafetyWing Insurance I.I.’s (“SafetyWing’s”) Nomad Insurance Essential (“Insurance”) is a global travel medical insurance. It covers the cost of unforeseen medical emergencies, and a selection of unforeseen travel related costs. The insurance works while you are outside your home country, and for emergency medical coverage during short visits home. This insurance is not intended to cover treatment of chronic conditions, and in most cases it does not cover pre-existing illness or injury. This description of coverage includes all the information you need to learn what is covered and not covered.
Most people, from anywhere in the world, can get this insurance. The exceptions are:
If you were born less than 14 days ago.
If your age is 70 or older.
You can use this insurance in the vast majority of the world, but there are some exceptions:
You are not covered by this insurance in your home country, except as described in the section called “Medical coverage during visits to your home country”.
You are not covered when traveling to the US, except if you have the add-on described in the section called "[Add-on] Include coverage in the USA".
If you are a US citizen or resident you cannot use this insurance in the US, even if you consider somewhere else your home country except as described in the section called “Medical coverage during visits to your home country”.
We will not provide cover and not be liable to pay any claim or provide any benefit under the Policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition or restriction under United Nations resolutions or any trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America, including Puerto Rico.
Below are all the areas this Insurance will cover you when this Insurance is active (your benefits). Each section is a condition of this Insurance with a clear title, a description of what is covered which clearly sets out when we will pay. All your benefits will also be limited by other sections of this description of coverage, especially important is the section called “What is not covered?”. This is why we encourage you to read the whole description of coverage.
For covered sports, you are covered for attending classes, solo training, attending private lessons and informal training with a group.
Important conditions:
If you are a professional athlete or an instructor, you are not covered while practicing, publicly performing or teaching your sport or activity.
The sport or activity cannot involve a professionally organized practice or intention to compete.
There can be no wage, reward or profit connected to you doing the sport or activity.
You are not covered for exploratory expeditions, for example in, Antarctica, the Arctic Circle or Greenland.
You are only covered when using certified, official paths. You are not covered when going off-path, off-trail and off-course, or when going on unauthorized paths.
You must ensure the sport or activity is adequately supervised and that appropriate safety equipment (such as helmet, life jackets etc.) are worn and used, according to what each sport or activity requires.
You must wear a helmet during the use of a moped or a motorcycle
You must have an appropriate, valid license or certification where required (for e.g., aviation, scuba diving [PADI/NAUI/SSI/BSAC], motorized vehicle).
Any sport or activity at elevations of 4,500 meters altitude or higher is not covered except as described under [Add-on] Adventure sports.
The list of covered sports and activities is not exhaustive but is intended to help you get a picture of what is covered.
If an activity is not listed, we will assess and determine coverage based on the risk of the activity and whether similar sports are covered in that category.
With this add-on, your coverage is extended to include a wider range of sports and activities, in addition to those already covered under the base plan.
You are still not covered for professional, organized or rewarded sports, or for expeditions. You are still required to ensure your safety.
Excluded in home country.
To see examples of sports that are covered check out our FAQ.
The following sports and activities are not covered, even with the adventure add-on:
- All-terrain vehicles
- Base jumping
- Big game hunting
- Cliff jumping
- Heli-skiing
- Heli-gliding
- Hot air ballooning as a pilot
- Any activity at elevations over 6000 meters
- Powerlifting (lifting at max weight with intent of competition)
- Racing by any animal motorized vehicle BMX speed trials or speedway
- Running with the bulls
- Skiing/snowboarding off-piste (outside marked territory or against advice of ski school/authority)
- Sky surfing
- Tractors
- Whitewater rafting
Up to $100,000 in your lifetime (lifetime max).
If you have this add-on you can get reimbursed for some of the value of the items if your electronics are stolen.
Electronics covered are:
Laptops, cameras, lenses, smartphones, e-readers, music players, tablets, earphones, iPads, AirPods, drones, smartwatches, headphones, portable wi-fi devices and portable gaming devices including computer mouse.
Important conditions
You took reasonable care for the safety of your electronics.
The theft is reported to the police within 24 hours. A written report must be provided as proof that the report was made.
You provide proof of the ownership of the electronics before they were stolen (for example with a receipt of the purchase).
We apply a 50-month straight-line depreciation rule. Under this approach, items are depreciated at a rate of 2% per month from the original purchase date, based on the purchase value. As a result, items that are 50 months old or more have no remaining reimbursement value under this method.
Up to $3,000 per active insurance period, up to $1,000 per electronic. Up to $6,000 in your lifetime (lifetime max).
If you have this add-on you'll have the same coverage on trips to the US, as you do outside the US.
Important conditions
To be covered by this add-on you must not be a US citizen or resident in any way, even if you have a different home country.
You will have to pay:
$100 co-pay for each visit to an emergency room in the US.
$50 co-pay for each visit to an urgent care center in the US.
This section is important to read, because assuming something is covered and then realizing after the incident that it is not, is a lot worse than assuming something isn’t covered and later realizing it is. If you read this section of what is not covered, you have some idea of what to avoid so that you make sure you take the right precautions and don’t put yourself in situations where insurance won’t cover you. Everything listed below is relevant to all parts of the coverage.
pre-existing illness or injury, except as described in the section "Emergency treatment of a pre-existing illness or injury”.
chronic conditions
Any treatment that is not medically necessary.
Charges exceeding usual, reasonable and customary.
Any illness or injury resulting from an epidemic, pandemic, public health emergency, natural disaster, or other disease outbreak when a health warning has been in effect before your start date or if you did not leave the area mentioned in the health warning within 10 days following the date the warning is issued. Except what is described in the section called "COVID-19".
Any costs or medical conditions related to pregnancy or childbirth, except what is described in the section called “Complications of pregnancy”.
mental health disorder
Any birth defects, congenital illnesses, or hereditary conditions.
Impotency or sexual dysfunction.
Sexually transmitted diseases and conditions (for example: syphilis, gonorrhea, chlamydia, trichomoniasis, genital herpes, and HPV).
HIV, AIDS and ARC, and all diseases caused by HIV.
Cancer or neoplasm.
substance abuse or substance addiction, or any illness or injurythat happened as a result of substance abuse or substance addiction.
Something that happened because of you being under the influence of alcohol or drugs (unless the drug was prescribed by a licensed physician, and used in accordance with the physician’s instructions).
Acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, hypertrophic and atrophic conditions of skin.
Sleep apnea or other sleep disorders.
Obesity and weight modification (example: gastric bypass).
Negligent or Self-inflicted injury.
Suicide or attempted suicide.
Injury that happened as a result of being drunk on alcohol or intoxicated by other drugs, except drugs that were prescribed by a physician.
Injury that happened as a result of drunk driving of any type of motorized vehicle (for example car, moped, motorbike, watercraft, aircraft, electric scooter). The threshold of your allowed blood alcohol content is 0.08, or it is determined by local laws where you are—whichever is lower.
Any kind of routine medical examination for preventative or informative purposes only (for example medical certificates and attestations, vaccinations, annual check-ups and examinations as to the suitability of employment or travel).
Injury sustained from participation in a riot, insurrection or violent disorder.
The voluntary use of any harmful chemical compound or poison unless used according to the directions of a physician.
Dental treatment, except what is described in sections “Pain relieving emergency dental treatment” and “"Emergency dental treatment and surgery following an accident.
Organ or tissue transplants or related services.
Nebulizers, oxygen tanks, diabetic supplies, other supplies for use or application at home (except medically necessary basic wheelchair or hospital bed, which are covered)
While confined primarily to receive custodial care, educational or rehabilitative care, care, or any medical treatment in any establishment for the care of the aged, except rehabilitative care received upon direct transfer from a hospital.
Promotion or prevention of conception (example: artificial insemination, treatment for infertility, sterilization or reversal of sterilization, costs related to birth control).
Eye surgery when the primary purpose is to correct nearsightedness, farsightedness or astigmatism (example: corrective refractive surgery).
Corrective, orthoptic or orthopedic devices (example: eyeglasses, hearing aids, orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of weak, strained, flat, unstable or unbalanced feet, metatarsalgia or bunions, and treatment of corns, calluses or toenails), or related tests and examinations, except as described in the section called ““Emergency vision test and replacement glasses or contact lenses”.
Hair loss or growth (example: hair transplants or drug that promises hair growth).
Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy, holistic care of any nature, massage and kinesiotherapy.
Psychometric, intelligence, competency, behavioral and educational testing.
Any procedure for prophylactic, cosmetic, or aesthetic reasons, except for reconstructive surgery when such surgery is directly related to and follows surgery for a covered illness oinjury.
Any modifications of the body intended to improve the psychological, mental or emotional wellbeing (for example: gender affirming surgery or sex reassignment surgery, voluntary bodily alteration).
Exercise programs (even if prescribed by a physician).
Anything that happened as a result of exposure to non-medical nuclear radiation or radioactive material.
Cryopreservation, implantation or re-implantation of living cells.
Genetic or predictive testing.
Investigational, experimental or for research purposes, meaning procedures, services or supplies which deviates from generally accepted standards of current medical practice.
Any treatment not administered by or under the supervision of a physician, and products that can be purchased without a doctor's prescription.
Any service provided by a family member or any person who ordinarily resides with you.
Any service provided at no cost to you.
Failure to make or keep doctor’s appointments, follow the treatment prescribed, and follow your doctor’s orders and advice diligently.
Payable under any government system.
Payable under worker’s compensation or employer’s liability laws, or by any coverage provided or required by law.
Charges resulting from or occurring during the commission of any violation of law, excluding minor traffic violations.
Charges resulting from or occurring during an accident involving your failure to be properly licensed, or your failure to use proper safety gear (including helmets or seatbelts).
War, terrorism, military action or while on duty as a member of a police or military force unit.
Travel or accommodations, except as explicitly described in the covered sections.
Anything that happened in the US, except as described in the section called “Medical coverage during visits to your home country” or “[Add-on] Include coverage in the USA”.
Anything that happened while you did not have an active insurance period
Claims made more than 60 days after the end date of your active insurance period
Any charges incurred when the purpose of your travel is to obtain medical or cosmetic treatment.
Complications or consequences of treatment, illness or injury which was not covered on this insurance.
Search and rescue services including air transfer services via helicopter or any other aircraft.
Anything that is not described in the covered sections of this Description of Cover.
This Insurance is primarily a pay and claim plan. You need to claim within 60 days of the end date of your active insurance period.
In cases of inpatient treatments only (and only outside the US), we may be able to arrange payment directly with the medical facility, assuming the conditions of coverage are met (Guarantees of payment - “GOP”). In these cases, it is required that you notify us in advance in order to be able to assess the case and make the arrangements (for example “Emergency transportation to a better equipped hospital”). If you’re hospitalized, you have to give us notice as soon as possible, at the latest before you are discharged.
There are two options for coverage:
This Insurance is primarily a pay and claim plan. Pay with your own money and submit a claim for reimbursement on the SafetyWing website via your dashboard, or email claims@safetywing.com. Some claims require that you notify us beforehand, or that we arrange for the payment as described below.
GOPs may be requested for inpatient visits when you’re outside the US. Request a GOP by reaching out to our 24/7 assistance. This option is only available for inpatient treatments that clearly meet the coverage conditions.
For claims made within 72 hours of purchase
If your claim relates to treatment, an incident, or symptoms within the first 72 hours from your plan purchase date and time, we may ask for documents confirming when the incident or symptoms began.
This information is needed to assess the claim under the applicable policy terms. Providing it does not guarantee that the claim will be covered.
Examples of this include but are not limited to: emergency services records, ambulance dispatch records, hospital admission timestamps, police reports, or witness statements. Important notes on all claims Every claim must be supported by documents that confirm you’ve met the requirements of the benefit you are claiming for. The 24/7 Customer Care Team is always there to help you if you’re unsure about what documentation you need.
For example if you are claiming for medical treatment, you also need a medical statement from those who treated you. Make sure to ask for this before you leave. Each time you make a medical claim, if it is relevant, we’ll look at your medical history, proof of payment, police report when applicable and/or ambulance report. We might ask for more information to understand if your illness or injury is new or pre-existing. In cases where a pre-existing illness or injury could be the cause of your claim, the claims process may take a bit longer, and you might need to provide us with more information or documentation.
Some guidelines that can help you understand what format and type of documentation may be required:
Invoices should be itemized, so that we are able to easily identify what each service cost.
Medical reports should indicate the diagnosis, state the onset date of symptoms and have the respective identification/classification codes of each item.
Documents should be clear, preferably in their original format, without any amendments made.
We need to get proof that you paid for the amount you are claiming.
Fraud or falsification: Any claim that is determined, based on our internal investigation, to involve fraud, attempted fraud, intentional misrepresentation, or forged, falsified or altered in any way documentation will be denied.
Guarantees of payment (“GOP”): GOPs are letters we send to providers to help you access treatment. Any treatment connected to a GOP is only eligible for payment if the treatment meets all other conditions and is not excluded under this Insurance. Although we may issue a GOP to help with administration, a GOP is non-binding, does not constitute a guarantee of coverage or payment, and the GOP itself is not a covered benefit or service under this insurance. If we decline to issue a GOP, you can still pay the provider and then make a claim for reimbursement under this insurance.
Supporting claims with documents: You are responsible for providing clear, accurate, and complete documentation to support each claim you submit and to prove your claim is covered. All information and supporting documentation should truthfully reflect the facts and circumstances of your claim. We rely on the documentation you provide to determine eligibility and benefits. If, during the review process, we find that any information or documentation appears inconsistent or incomplete, we may request clarification or additional evidence before a decision is made. If, after review, it is determined that any material information was misstated, deliberately omitted, or falsified, or altered in a way that affects the integrity of the document, we may deny the claim, adjust benefits, or cancel your plan consistently with applicable law. Written notice will be provided in such situations.
We also reserve the right to refer matters involving confirmed or suspected fraud, forgery, or intentional misrepresentation to the appropriate authorities or pursue other legal remedies as necessary. Unwitnessed accidents In some cases, incidents may occur without witnesses. If this happens and there is no independently verifiable evidence or report created at or near the time of the event, we may request additional information or documentation to help us fairly review the claim. Where required, such information must be supported by independent third-party verification.
We do not pay for claims if the medical expenses have been paid by other medical insurance or you or the insured have received a reimbursement from any other source.
If You have other medical insurance, including medical benefits under any employment contract, which allows You to claim a refund for medical expenses, You must first claim from these policies before making any claim under this insurance. Our obligations to pay under this insurance will only arise after You have fully claimed under all other applicable insurance plans.
If we have paid any benefit to You first before a claim is made under the other medical insurance policies or employee benefits, the other medical insurers or employer will have to refund us their share. You must give us all the information and evidence we need to help us get back any other medical insurer’s share of the claim we have paid.
For every claim, the total reimbursement we will make will not be more than the actual expenses paid.
You can cancel anytime you want if you are not satisfied with this insurance plan. Reach out to the customer service team to cancel your insurance plan (via chat, or email support@safetywing.com).
Your premiums will be refunded in full if we receive the cancellation request before the start date of your active insurance period.
The premiums paid for adventure sports and theft coverage for electronics add-ons are non refundable if the cancellation request is received after the start date of your active insurance period.
Important conditions for plans with mode of payment other than one payment for a 364 day period:
If we receive the cancellation request after the start date of your active insurance period, the unused portion of your premiums will be refunded only if you haven't filed a claim; we will apply a $25 cancellation fee.
mportant conditions for plans with mode of payment of one payment for a 364 day period:
If we receive the cancellation request after the start date of your active insurance period, we will reimburse the unused portion of the premium up to a maximum of sixty-five percent (65%) of the total amount of the premium only if you haven’t filed a claim. A cancellation fee of $60 and the remaining thirty-five percent (35%) of the total premium will not be reimbursed.
One active insurance period lasts a minimum of 5 days, up to a maximum of 364 days. You can keep buying new insurance plans an unlimited amount of times, until you turn 70 years old. Starting the day you turn 70, you can no longer buy coverage with this insurance.
Whenever you buy a new plan with a new start date, any illness or injury you have had before or at the start date will be deemed a pre-existing illness or injury during this new active insurance period.
If you are outside your home country
By default your start date is set to the date you buy the insurance, and your insurance is activated the moment you receive your proof of insurance email after a purchase. If you buy our insurance with a start date in the future, your insurance is activated at 00:00 (12am) on that date in UTC timezone.
If you are inside your home country
You have to leave your home country before the insurance can be activated. If the start date is on the day you leave or earlier, your coverage is active from the moment you cross the border and leave your home country.
If you visit your home country
There is limited coverage for a certain number of days for visits home. Read more under the section called "Medical coverage during visits to your home country". If you stay in your home country longer than the amount of days available for home country coverage, you will not have any coverage under this insurance until you leave your home country. Your coverage resumes when you leave your home country as long as you are still within your active insurance period.
If you choose to set up your insurance with the auto extension enabled, your coverage under the previous plan will stop on its end date . A new Insurance plan will automatically be purchased. Your coverage expires on the end date of your active insurance period. Before the end date we will send you two reminder emails about extending or purchasing new insurance so you don’t go a day without coverage. Benefit period: If you are in the middle of medical treatment for a covered illness orinjury when your coverage reaches its end date, eligible medical expenses for that specific illness or injury are covered for up to 90 days from the first day of your diagnosis or treatment. Treatment is only covered for something that happened while your insurance was active, not for anything that happens after the end date. This does not apply in your home country for illness or injury that started while you were abroad.
If your claim is denied you will receive a written explanation of why it was denied. If you do not agree with our decision, you can appeal within 6 months (180 days) of the day you received the decision. Our Customer Care team can explain how to submit an appeal. You can reach out via our online chat at safetywing.com.
When we receive the appeal, we will review it and you’ll get a response back in writing. You can appeal a decision up to two times. Filing an appeal does not limit your right to make a complaint as described below.
Important condition for legal action: To be eligible to file a lawsuit or takeany legal actions against SafetyWing, you need to first exhaust the appeal rights provided to you by this insurance. How to make a complaint? If you’re not happy with anything related to the insurance and/or claims, we are here to help. Please follow this process to ensure that your problem or concern is dealt with effectively and efficiently.
1. First, if you haven’t yet, get in touch with us through one of the following channels:
a. Our online chat on safetywing.com
b. To our claims department at claims@safetywing.com
2. If you are not satisfied even after speaking to our Support Team, you can escalate your concerns to management by contacting feedback@safetywing.com.
You will be contacted within 5 business days with our proposed solution. If more time is needed to resolve the issue, we will keep you updated at every step on what further information we might need and how much longer it might take.
Please be sure to provide:
Claim or member number (if applicable)
As much information as possible on your dispute or complaint, including any prior responses from us on the issue.
3. If, after completing Steps 1 and 2, you are still not satisfied with how we handled things, SafetyWing may propose that your issue be referred to an independent, dispute resolution platform appointed by SafetyWing. You can reach out to us and we will explain how to follow this route. Please note that if your complaint relates to a claim that you have submitted, you need to exhaust your appeal rights before being able to initiate a dispute resolution process.
4. Finally, please know that your legal rights are not affected by following the above outlined process. We recommend that you read the information in the "Arbitration" section under "Disclaimers and legal notices".
SafetyWing Insurance I.I. This Description of Coverage is issued to the Eligible Participant pursuant to the Outbound Travel Master Insurance Policy issued by Us to the Policyholder in Puerto Rico.
Policies are underwritten by SafetyWing Insurance I.I. which is a licensed insurance carrier incorporated in Puerto Rico, under the regulatory jurisdiction of the Office of the Commissioner of Insurance of Puerto Rico, company number 52139818. Registered address is 802 Ave. Juan Fernández Juncos, San Juan, Puerto Rico 00907. These details can be checked on the Office of the Commissioner of Insurance of Puerto Rico website:
https://sbs.naic.org/solar-external-lookup/lookup/company/summary/521309818?jurisdiction=PR
Pursuant to the Policy, Eligible Participants are eligible to receive coverage from the Policyholder if they meet the requirements provided in the Classes of Eligible Persons provided in the Policy.
By purchasing this coverage, you are certifying that you are at least 14 days of age through age 69, and traveling outside your Home Country and your true, fixed and permanent home and principal establishment. Coverage under the Policy will only be provided while you are traveling outside of your Home Country, except as provided in the Policy.
Your coverage will not become effective until you have left your Home Country’s jurisdiction.
A summary of the coverage provided to you through the Policy is provided above. In the event of any discrepancies between this description of coverage and the Master Policy, the Master Policy will control. A copy of the Master Policy may, at the Insurer’s discretion, be made available to an insured upon request, subject to applicable legal and contractual restrictions. Termination The Insurer may, at its sole discretion and to the extent permitted by applicable law, modify, cancel, or terminate coverage under this Policy, or modify the applicable rates, in any of the following circumstances:
The Insured has provided information that is false, inaccurate, incomplete, or misleading, or has engaged in fraud, and such information or conduct may have affected the Insurer’s decision to provide coverage or the terms under which coverage was made available;
The Insured requests cancellation of the coverage in accordance with the cancellation provisions set out in this Policy, or fails to pay the applicable premium when due;
The Insured submits a claim or supporting documentation that is determined by the Insurer to be fraudulent. In the event of fraud, the Insured shall be responsible for reimbursing the Insurer for any amounts paid in connection with such claim, whether paid to the Insured or directly to a healthcare provider;
The provision of coverage, payment of claims, or continuation of coverage would expose the Insurer or any related entity to sanctions, prohibitions, or restrictions under resolutions of the United Nations or under trade or economic sanctions laws or regulations of the United States, the European Union, or the United Kingdom, including where the Insured resides in, is located in, or is otherwise subject to such sanctions;
The Insured spends more than one hundred and eighty-three (183) days within any three hundred and sixty-five (365) day period in the United States or any of its territories, where such limitation applies under this Policy.
The early cancellation of the Policy shall be without prejudice to the rights of the Insured. The Insurer will only be responsible for the payments of covered expenses under the terms of this Policy, incurred prior to the cancellation date. Any treatment incurred after the cancellation date of the Policy will not be covered regardless of when the Illness or Accident first appeared, or if any additional treatment is required. Law and Jurisdiction You cannot take legal action to claim insurance benefits until you provide us with written proof of your claim for at least 60 days. After that, you have up to three years to bring a lawsuit. The laws of Puerto Rico will govern and interpret this agreement.
Right to Treatment
Nothing contained in this insurance restricts or interferes with your right to select the hospital, physician or other medical service provider of your choice. Nothing contained in this insurance restricts or interferes with the relationship between you and the hospital, physician or other providers with respect to treatment or care of any condition, nor your right to receive, at your own expense, services and/or supplies that are not covered under this insurance. Arbitration UNLESS YOU OPT-OUT, ANY DISPUTES BETWEEN YOU AND SAFETYWING INSURANCE I.I. WILL BE RESOLVED THROUGH BINDING ARBITRATION. THIS MEANS YOU CANNOT FILE A LAWSUIT OR PARTICIPATE IN A CLASS ACTION OR SIMILAR LEGAL ACTION. Arbitration and Class Action Waiver Except for certain claims, all disputes related to this insurance will be resolved exclusively through arbitration based on Puerto Rico’s laws, and you irrevocably waive, to the fullest extent permitted by law, the right to a trial by a judge or jury. The arbitration will be conducted individually, and both parties waive the right to participate in a class action or similar legal action. The arbitration will take place online and the independent dispute resolution provider selected by SafetyWing shall administer the process. The arbitrator shall make the final decision, and it can be enforced by a court if necessary. Both parties will keep the arbitration process and any awards confidential.
Opting Out of Arbitration If you do not want to participate in arbitration, you can send a written notice to SafetyWing within 60 days of the end of your active insurance period. This notice should be sent to feedback@safetywing.com, attention to the General Counsel.
You agree that if you breach any material obligation under this insurance including, but not limited to: (i) filing a false claim, (ii) failing to cooperate with a claim investigation, (iii) filing a legal action when you have not opted out of arbitration, or (iv) filing a legal action outside of the exclusive venue and jurisdiction outlined above, then You shall be liable to indemnify SafetyWing, and SafetyWing shall be entitled to an award of all expenses including, but not limited to, reimbursement of reasonable attorneys fees, costs, and reimbursement of any/all claim(s) paid in error.
Data Protection Please review SafetyWing's privacy policy on their website at safetywing.com/privacy- policy. We follow strict data protection practices and only allow employees and partners with a need to access your personal information to do so. We will not share your personal information with third parties unless required by law or legal process.
In our business activities, SafetyWing will collect, store, and process your personal data. This privacy policy provides information about how we gather, use, process, and disclose the personal data we collect from you or that you provide to us. Personal data refers to information about a living person that can identify them. We are responsible for protecting your data according to relevant data protection laws, including the European Union General Data Protection Regulation (EU) 2016/679, UK GDPR, PIPEDA, Argentine Personal Data Protection Law, Brazil's General Data Protection Law, Chile's Law for the Protection of Private Life no. 19.628, Colombia Law No. 1581, Mexico's Federal Law on the Protection of Personal Data, Peru Law No. 29733, Uruguay's Protection of Personal Data and Habeas Data no. 18.331, Costa Rica Laws No. 7975 and 8968, as well as other laws related to processing or transferring personal information across different countries. Please read the privacy policy carefully to understand how we use your personal data and your rights.
Rights of Third Parties You cannot assign insurance benefits to a hospital, physician, or any other provider. They do not have any direct or indirect claims or rights against us. Important Notice and Disclaimer Concerning the United States Patient Protection and Affordable Care Act This insurance is not subject to, and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether this policy meets any obligations you may have under PPACA.