MasterAssist™

Mastercard® Black Cardholders can benefit from the safety and security offered by our comprehensive travel medical program. Some of the benefits that are provided are Medical Expenses, Emergency Medical Evacuation, Repatriation of Mortal Remains, Return of Dependent and Elderly, VIP Transportation Services and Emergency Family Travel among other benefits.

 

Who is Covered:

Mastercard® Black Cardholders, their Spouse/Domestic Partner and Dependent Children, whether traveling together or separately.

 

To Get Coverage:

Coverage is provided when the entire cost of the Common Carrier Conveyance passenger fare has been charged to your eligible Mastercard® Black card and/or has been acquired with points earned by an eligible Rewards Program associated with your Mastercard® Black card (i.e. mileage points for travel). In order to be eligible for coverage cardholder must pay all associated taxes, shipping & handling fees and any other required fees to your eligible Mastercard® Black card and/or with reward points associated to your Mastercard® Black card. 

 

Key Features:  

  • Trips are covered for travel worldwide.
  • Coverage is provided for Injury or Sickness, even if it is not an emergency.
  • Trips are covered up to a maximum of [days] (60) consecutive days.
  • Medical Expense coverage up to a maximum benefit amount of [sum insured] per Insured Person.
  • No limitation on the number of trips.
  • Coverage is provided for both, one-way or round trip travel.
  • Exceeds all travel insurance requirements of the Schengen Aquis (Agreement)
  • Covered losses caused by or resulting from Acts of Terrorism are not excluded.
  • Please note that this coverage of MasterAssist Black does NOT apply for the purpose of obtaining medical advice or treatment
  • Cashless Services: Payments for all covered Medical Expenses, Repatriation of Remains, Comfort Return Ticket to Home Country, Emergency Family Travel Costs, Return of Dependent Children/Elderly, and Emergency Medical Evacuations can be completed on a “Cashless” basis if Mastercard is notified at the point of service, which means Mastercard can contact the Hospital or clinic directly and process payment without the need for any disbursement from the cardholder. 

 

For questions or to contact MasterAssist Black to arrange for Cashless Services please refer to the Mastercard Global Service section in this guide. 

 

 

Coverage

 

Maximum Benefit Amount:

Medical Expenses (Injury or Sickness)

- Cardholder, Spouse/domestic partner & Dependent Children

Up to USD 150,000

Inpatient Hospital Cash Benefit

USD 200 per Day up to 30 days

Emergency Medical Evacuation/Repatriation

Up to USD 100,000

Comfort Return Ticket to Home Country:

Up to USD 7,500 for any-Class Airfare

Hotel Convalescence

Up to USD 250 per Day for up to 5 Days

 

Emergency Family Travel Costs

 

Up to USD 7,500 for roundtrip coach airfare & USD250 per Day for up to 5 Days

Return of Dependent Children/Elderly

Up to USD 25,000 

VIP Transportation Expenses

Up to USD 2,000 

Home Help in Home Country

Up to USD 150

Pet Boarding/Kennel Fees

Up to USD 500

Repatriation of Remains

Up to USD 100,000

 

Medical Expenses *:  If an Insured Person suffers an Injury or Illness and needs medical attention while outside of his/her Home Country, benefits are provided for Covered Medical Expenses (a-g and which are not excluded). 

This coverage provides a maximum benefit up to USD 150,000 per Insured Person.

 

Covered Medical Expenses include:

  1. Charges made by a Hospital for room and board, floor nursing and other services, including charges for professional services, except personal services of a non-medical nature, provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodation;
  2. Charges made for diagnosis, treatment and surgery by a Physician;
  3. Charges made for the cost and administration of anesthetics;
  4. Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs and medical treatment; 
  5. Dressings, drugs, medicines, and therapeutic services and supplies that can only be obtained upon a written prescription of a Physician or surgeon;
  6. Charges made for ground ambulance services;
  7. Dental treatment resulting from injuries sustained to sound, natural teeth subject to a maximum of USD 100 per tooth.

* The charges for services enumerated above shall not include any amount of such charges that are in excess of regular and customary charges or excluded.

What is Not Covered by “Medical Expenses” (Exclusions):

In addition to the MasterAssist Black General Exclusions, “Medical Expense” benefits are not payable for any loss, fatal or non-fatal, which are caused by or resulting from:

  1. A Pre-existing Condition, as defined herein;
  2. Services, supplies or treatment, including any period of hospital confinement, which was not recommended, approved and certified as necessary and reasonable by a Physician;
  3. Routine physical (including well-child care), laboratory diagnostic, x-ray examinations or other examinations, where there are no objective indications or impairment in normal health;
  4. Cosmetic or plastic surgery, except as the result of an accident;
  5. Dental care, except as the result of injury to sound, natural teeth caused by accident;
  6. Eyeglasses, contact lenses, hearing aids, and examination for the prescription or fitting thereof, unless injury or sickness has caused impairment of vision or hearing;
  7. Expenses incurred in connection with weak, strained, or flat feet, corns, calluses, or toenails;
  8. The diagnosis and treatment of acne;
  9. A connection with a deviated septum, including sub mucous resection and/or other surgical correction thereof;
  10. Organ transplants;
  11. Any mental, nervous or emotional disorders or rest cures;
  12. Pregnancy: sickness or injury related to pregnancy will not be covered if the sickness or injury occurs within 3 months (three months before / three months after) of the expected (or actual) delivery date.
  13. The Company and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or        make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose The Company and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation.

 

Inpatient Hospital Cash Benefit:  If an Insured Person is hospitalized as an Inpatient, due to Injury or Illness while outside his/her Home Country, a benefit of USD 200 per day will be provided for each day an Insured Person is hospitalized up to a maximum confinement period of 30 days, subject to one (1) day deductible.  The Hospital confinement must be recommended by a Physician.

Inpatient” means an Insured Person who is confined to a Hospital, under the recommendation of a Physician, and for whom a room and board charge is made.

Emergency Medical Evacuation/Repatriation:  This coverage will provide benefits for covered expenses incurred 100 (160 kilometers) or more miles away from an Insured Person’s residence or outside of the Home Country if any Injury or Sickness commencing during the course of a Covered Trip results in the necessary Emergency Medical Evacuation of the Insured Person.

An Emergency Medical Evacuation means (a) a legally licensed Physician certifies that the severity the Insured Person's medical condition warrants immediate transportation from the place where the Insured Person is injured or sick to the nearest hospital where appropriate medical treatment can be obtained; or (b) after being treated at a local hospital, the Insured Person's medical condition warrants transportation to his/her then current place of residence to obtain further medical treatment or to recover; or (c) both (a) and (b) above.  The condition and expenses must be incurred 100 (160 kilometers) or more miles away from his or her home residence or outside his or her Home Country.

This coverage provides a maximum benefit up to USD 100,000 per Insured Person.

 

We will work to arrange any medical assistance and Emergency Evacuation services.  Decisions regarding urgency of the case, the best timing and the most suitable means of transportation will be made in consultation with the local attending Physician and the patient’s receiving Physician.

For questions or to contact MasterAssist Black to arrange for Emergency Medical Evacuation please call the specific Mastercard Global Service™ toll-free number for your country, or call direct, or collect, to the United States at: 1-636-722–8883(English); 1-636-722-8882(Español); 1-636-722-8881(Português).

 

Coverage Conditions/Limitations:

  • Expenses for special transportation must be: (a) recommended by the attending Physician or (b) required by the standard regulations of the conveyance transporting the Insured Person.  Special transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles.
  • Covered expenses include expenses incurred for transportation, medical services and medical supplies incurred in connection with Emergency Evacuation of the Insured Person.
  • Expenses for medical supplies and services must be recommended by the attending Physician, or required by the standard regulations of the conveyance transporting the Insured Person.
  • All transportation arrangements made for evacuating the Insured Person must be by the most direct and economical route.

 

Comfort Class Return to Home Country:  If an Insured Person is hospitalized outside of his/her Home Country for more than 24 hours, benefits can be provided to pay for the cost of airfare to return the Insured Person, Spouse or Domestic Partner or Traveling Companion to his/her Home Country or any destination deemed necessary to accompany the Insured Person during an Emergency Medical Evacuation.  . 

  • This coverage provides a maximum benefit up to USD 7,500 per Insured Person for the cost of any-class airfare (one-way or roundtrip) or whatever class seating is available. 
  • This coverage excludes any benefits paid under Emergency Medical Evacuation/Repatriation.  

 

Hotel Convalescence Costs:  If an Insured Person is Hospitalized for more than three (3) days and must remain, under medical advice in a hotel (outside of their Home Country before medically released) while outside of his/her Home Country, benefits are provided starting immediately after being discharged from the Hospital for additional convalescence.

This coverage provides benefits up to USD 250 per day for up to five (5) days maximum.

 

Emergency Family Travel Costs:  If an Insured Person is traveling alone and is hospitalized for more than three (3) days while outside of his/her Home Country, benefits can be provided to bring one (1) immediate family member or friend chosen by the Insured Person to and from the Insured Person's bedside.  The benefits are available to pay for the cost of airfare and hotel daily room charges incurred up to a maximum of five (5) days.

This coverage provides benefits up to USD 250 for hotel/lodging daily room charges for a maximum of five (5) days; and an additional benefit up to USD 7,500 for the cost of round-trip coach airfare to bring one immediate family member or friend chosen by the Insured Person to and from his/her bedside.

 

Return of Dependent Children/Elderly:  If an Insured Person is hospitalized for more than three (3) days, while on a Covered Trip and he/she is 100 or more miles (160 kilometers) from the home residence or while outside of his/her Home Country, benefits can be provided to a) bring an otherwise unaccompanied minor Child(ren) or Elderly Traveling Companion home; and/or b) costs to bring and return an escort to accompany dependent minor Children or elderly Traveling Companion to return home.

  • This coverage provides a maximum benefit up to USD† 25,000 for incurred expenses.
  • Benefits are not provided for any expenses provided by another party at no cost to the Insured Person or already included in the cost of the trip.
  • The maximum benefit is up to USD† 25,000. This is the maximum amount payable independently of the number of the eligible Dependent Child(ren) or Elderly in the same Covered Trip.

 

VIP Transportation Expenses:  If an Insured Person is hospitalized while outside of his/her Home Country, benefits are provided to reimburse expenses for the costs of limousine, taxi or other car services provided to the Insured Person, Spouse or Domestic Partner and/or Dependent Children for:

a)  Travel between the hospital and hotel; and/or

b)  Travel between hotel and airport to return the Insured Person to their Home Country, upon release from the Hospital.

This coverage provides benefits up to USD 2,000 maximum per incident.

 

Home Help in Home Country: In the event that the Insured Person suffers an Injury or Sickness during a Covered Trip outside his/her Home Country, the Company will pay up to USD† 150 for home help in their Home Country, provided that:

  • The Insured Person has incurred treatment for the medical condition related to the Injury or Sickness while on a Covered Trip for the same incident.

 

Exclusions (Home Help In Home Country):

In addition to the General Exclusions listed in this Guide to Benefits this coverage shall not include:

  • Any claim arising from a trip taken within the Insured Person’s Home Country.

 

Pet Boarding/Kennel Fees:   If an Insured Person’s return to his/her Home Country is delayed following an Injury or Sickness while outside of his/her Home Country, benefits can be provided for extra boarding and kennel fees for pet cats or dogs provided that the Insured Person has a valid Medical Expense covered under MasterAssist Black.

This coverage provides benefits up to USD 500 maximum per incident.

 

In addition to the General Exclusions, coverage is not available:

  • If the Insured Person’s cat or dog was not in a cattery or kennel for the duration of the Covered Trip.
  • Any claims arising from a trip taken within the Insured Person’s Home Country.

 

Repatriation of Remains:  If the Insured Person suffers a loss of life while 100 or more miles (160 kilometers) away from his or her home residence or outside his or her Home Country, benefits are provided for reasonable expenses to preserve and return the body home.

Covered expenses include, but are not limited to, expenses for (a) embalming, (b) cremation, (c) coffins and (d) transportation (including in the Home Country for return to a place, as directed by the beneficiary of the Insured Person).

This coverage provides a maximum benefit up to USD 100,000 per Insured Person.

 

For questions or to contact MasterAssist Black to arrange for Repatriation of Remains please call please call the specific Mastercard Global Service™ toll-free number for your country, or call direct, or collect to the United States at: 1-636-722–8883(English);1-636-722-8882(Español);1-636-722-8881(Português).

 

What is NOT Covered by MasterAssist Black (General Exclusions):

This plan of insurance does not cover any loss, fatal or non-fatal, which are caused by or resulting from:

  1. Suicide or any attempt thereat by the Insured Person while sane or self-destruction or any attempt thereat by the Insured Person while insane;
  2. Loss caused directly or indirectly, wholly or partly by medical or surgical treatment except as may be necessary solely as a result of Injury;
  3. Service in the military, naval or air service of any country;
  4. The use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; or the dispersal, release or application of pathogenic or poisonous biological or chemical materials;
  5. Being under the influence of, or any connection with drugs or intoxicants, unless taken under the advice of and as prescribed by a Physician; and/or drug abuse, addiction or overdose;
  6. Participation in an actual felony;
  7. Participation in any professional, semi-professional, or interscholastic team sports;
  8. Participation in contests of speed using a motorized vehicle;
  9. Participation in skydiving/parachuting, hang gliding, bungee jumping, mountain climbing (this does not include regular recreational hiking or similar activity), pot-holing;
  10. Traveling against the advice of a Physician.
  11. The Company and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or        make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose The Company and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation.