FREQUENTLY ASKED QUESTIONS CAPGEMINI MEDICAL, SECURITY &TRAVEL … · 2017-03-08 · SECURITY &TRAVEL ASSISTANCE PROGRAM ... experts. The app is available on Android, BlackBerry,

INTERNATIONAL SOS DOCUMENT - CONFIDENTIAL 1

This document contains private andor proprietary information

It may not be used or disclosed outside of CAPGEMINI without prior written permission (2015)

FREQUENTLY ASKED QUESTIONS CAPGEMINI MEDICAL SECURITY ampTRAVEL ASSISTANCE PROGRAM

Short-Term and Long-Term Assignments Expatriates ( Short-term assignment Travel less than 90 consecutive days less than 180 days per year)

Before your trip 1 Print the International SOS card and keep it handy 2 Download the International SOS Assistance App

The Membership app allows you to

Contact immediately your nearest International SOS Assistance Center in case of emergency or for any medical or security advice

Access to the latest medical or security alerts on the country you are in or travelling to

Access to medical and security country guides updated by our experts

The app is available on Android BlackBerry iPhone and Windows Phone Download it from the following link httpappinternationalsoscom or from your app store by searching International SOS and enter your membership number 15AMMS000094

In case of emergency or any request Call INTERNATIONAL SOS 24h24 7J7

Assistance Centers Europe Africa Middle East +33 (0)155 633 155 India +91 (22) 4283 8383 Asia +65 6338 7800 Americas +1 (215) 942 82 26

Be ready to provide the following information Your name location age gender and nationality

Your status ie if you arewere on short-term business trip or if you are a long-term assigneeexpatriateseconded personnel

International SOS membership number 15AMMS000094

The telephone number from which you are calling (in case you are disconnected)

Name of the company and or name of the subsidiary you work for

Your relationship to the CAPGEMINI employee (if the person calling is not the employee)

International SOS will provide Certificates of Assistance for visa issuance To request a Certificate of Assistance please email attestationsinternationalsoscom (include your name date of birth program number traveling dates and destination)

User guide available here




PRESENTATION OF THE PROGRAM 3

WHO IS COVERED UNDER INTERNATIONAL SOS PROGRAM 3 ARE MY SPOUSE AND CHILDREN COVERED UNDER THE INTERNATIONAL SOS PROGRAM 3 WHAT IS THE ROLE OF INTERNATIONAL SOS 3 HOW CAN INTERNATIONAL SOS HELP 4 HOW DOES IT WORK 4 WHAT DO I NEED TO DO TO USE THE PROGRAM 4 DO I NEED TO ACTIVATE MY MEMBERSHIP 4 AS A TRAVELER CAN I USE INTERNATIONAL SOS BUSINESS TRAVEL ASSISTANCE DURING MY VACATION 5 DOES THE ASSISTANCE PROGRAM AND COVERS OPERATE IN CASE OF TERRORISM ACTS CIVIL OR FOREIGN WAR 5 WHAT DO I DO IF MY ASSISTANCE CARD IS LOST OR STOLEN 5

MEDICAL amp SECURITY ASSISTANCE SERVICES 6

WHAT IF I HAVE PRE-TRIP QUESTIONS ABOUT MY TRAVEL DESTINATION 6 WHAT ARE EMAIL ALERTS 6 WHAT IF I NEED A DOCTOR 6 IF I FACE DENTAL CARE EXPENSES ARE THOSE COVERED UNDER THE CAPGEMINI GROUP ASSISTANCE PROGRAM 6 WHAT IF I NEED PRESCRIPTION MEDICATION 6 WHAT IF I AM HOSPITALIZED 6 WHAT IF LOCAL MEDICAL FACILITIES ARE NOT ADEQUATE 7 WHAT HAPPENS WHEN I AM RELEASED FROM THE HOSPITAL AND STILL NEED HELP 7 WILL INTERNATIONAL SOS PAY MY MEDICAL BILLS 7 WHAT IF I NEED LEGAL ADVICES WHILE OVERSEAS 8 WHAT SHOULD I DO IF I AM CONCERNED ABOUT MY SECURITY OR IN THE EVENT OF A SECURITY EMERGENCY 8 WHAT IS SECURITY EVACUATION ASSISTANCE AND COORDINATION 8 HOW DO I ACCESS UP-TO-THE-MINUTE INFORMATION ABOUT SECURITY ALERTS WARNINGS AND THE LATEST SITUATIONS 8 WHAT IF I GET INJURED FOLLOWING A TERRORIST ATTACK 8 IN THE EVENT OF DEATH 9

TRAVEL ASSISTANCE SERVICES (ONLY FOR SHORT-TERM ASSIGNMENT) 9

WHAT IS THE CLAIMS REIMBURSEMENTS PROCESS 9 IF I HAVE ANY QUESTIONS REGARDING MY CLAIMhellip 9 WHAT IS THE COVERAGE AGAINST LOSS DAMAGE THEFT OR DESTRUCTION OF PERSONAL BAGGAGE AND PROFESSIONAL COMPUTER

EQUIPMENT 9 WHEN DO I NEED TO REPORT TO GET REIMBURSEMENT OF LOSSES 11 WHAT DOCUMENTS AND RECEIPTS DO I NEED TO PROVIDE INTERNATIONAL SOS WITH 11 IF I FACE ADDITIONAL EXPENSES RELATED TO FLIGHT DELAY OR CANCELLATION ARE THOSE COVERED UNDER THE CAPGEMINI GROUP

ASSISTANCE PROGRAM 12 IF I FACE ADDITIONAL EXPENSES RELATED TO LUGGAGE DELIVERY DELAYED ARE THOSE COVERED UNDER THE CAPGEMINI GROUP

ASSISTANCE PROGRAM 12

CAPGEMINI INDIA ndash LONG TERM TRAVELS ndash SUMMARY OF BENEFITS 13




PRESENTATION OF THE PROGRAM

Who is covered under International SOS program

International SOS provides CAPGEMINI employees with quality health care and security assistance services worldwide 24 hours a day

Group Assistance program covers

- Business travelers on short-term assignment o Capgemini employees (as well as their dependents traveling with them) while on

business trip and short-term assignment (lt3 consecutive months and lt180 non-consecutive days per year) (i) more than 200 km from their main home or office location OR (ii) when an employee stays away from home for one night (or more) OR (iii) if an employee takes a flight

- Long-term assignees expatriates seconded personnel

o Capgemini employees (and their dependents) on long-term assignment (gt3 consecutive months or gt 180 non-consecutive days per year) in their assignment location (usual workplace and home) during their vacation and during their business trips

Long-term assignees expatriates seconded personnel (and their dependents) in their assignment location (usual workplace and home) and during their vacation are only covered for assistance to persons

Are my spouse and children covered under the International SOS program

All Travelers Insuredrsquos SpousePartner and also hisher dependent Children accompanying himher on the Assignment are covered under the International SOS program

What is the role of International SOS

International SOS Assistance Centers are your unique point of contact for any Assistance request

- Medical amp security information - Medical amp security advice - Referral to medical amp security accredited providers - Or any medical or security assistance services

The global program will also indemnify for medical assistance travel assistance and any assistance services covered under the insurance policy (ACE Europe) in the event of an accident or emergency during a business trip

This program is not intended to replace any primary medical insurance (ie ongoing medical treatments and medical expenses of employees and their dependents when in their home country or host country for expatriate or abroad on private trips)




How can International SOS help

International SOS provides you and your family with assurance that you will be assisted during emergency situations that may arise during travel One phone call connects you to the International SOS network of multilingual specialists for immediate help International SOS services are designed to help you with medical personal travel security and legal problems when away from home Call International SOS at any time to speak with a physician or security specialist about simple or critical matters

How does it work

Carry the International SOS membership card with you at all times It includes the telephone numbers of International SOS Assistance Centers In the event of an emergency call one of the phone numbers listed on the card If you do not have a card you can print one on Capgemini dedicated communication portal at

httpswwwinternationalsoscomMasterPortaldefaultaspxmembnum=15AMMS000094

What do I need to do to use the program

In order to utilize any of the medical or travel services contact any Assistance Centers from anywhere in the world by calling directly calling collect or calling the toll-free number To ensure a prompt response when calling you should be prepared to provide the following

- Your name location age gender and nationality - Your status ie if you arewere on short-term business trip or if you are a long-term

assigneeexpatriateseconded personnel - Your International SOS membership number 15AMMS000094 (use this code to access

the CAPGEMINI International SOS website if needed) - The telephone number from which you are calling (in case you are disconnected) - Name of the company and or name of the subsidiary you work for - Your relationship to the CAPGEMINI employee (if the person calling is not the

employee) - Name location and telephone number of the hospital clinic or treating doctor (when

applicable)

Do I need to activate my membership

No your membership is already active Simply carry the card in your wallet at all times while traveling Whenever you need advice or service contact one of the phone numbers listed on the back of the card You do not need to report specific trip dates to International SOS each time you travel




As a Traveler can I use International SOS Business Travel Assistance during my vacation

No International SOS Business Travel Assistance is not designed to cover Capgemini employee and family during their vacation However for all Travelers Insured and their SpousePartner as well as hisher dependent Children accompanying himher on the Business Assignment covers shall continue to attach to Insured who extend their trip on a private basis up to a maximum period of 15 days If you are an expatriatelong-term assigneeseconded personnel you will be covered for assistance to persons during your vacation throughout your assignment period

Does the assistance program and covers operate in case of terrorism acts civil or foreign war

Yes there is no exclusion for terrorism or war in your assistance program

However International SOS shall not be held liable for failures or mishaps in the execution of the obligations resulting from cases of force majeure or events such as civil or foreign war revolution civil commotion riots strikes seizure or distraint by the law-enforcement agencies official prohibition piracy hijacking explosion of devices nuclear or radioactive effects or prevention due to climate

What do I do if my assistance card is lost or stolen

You can print the card on CAPGEMINI dedicated communication portal at


You can also download the International SOS Assistance App on your smartphone


To prevent any problems we also recommend you to register your membership number and the telephone numbers of International SOSrsquo main Assistance Centers onto your own mobile




MEDICAL amp SECURITY ASSISTANCE SERVICES

What if I have pre-trip questions about my travel destination

In addition to calling any of the Assistance Centers for any pre-trip questions you may have you can access Country Guides from this website by using your International SOS membership number - 15AMMS000094 These comprehensive guides provide both medical and general travel advice such as information on the standard of health care how to pay for medical care the availability of medications safety of the blood supply embassyvisa information dialing code information cultural etiquette and financial and voltageplug information

What are Email Alerts

You have the option to sign up for Medical andor Security Email Alerts Medical alerts are issued when there is an unusual health risk that in the opinion of International SOS medical professionals may negatively impact travelers or expatriates visiting a specific country or region Security alerts are issued when the combined team of security professionals from a joint venture of International SOS and Control Risks has identified a security risk in a specific country or region

What if I need a doctor

The International SOS Worldwide Assistance Centers are listed on your card Call the International SOS Assistance Center that is nearest to you for a referral to a doctor who speaks your language

If I face dental care expenses are those covered under the Capgemini Group Assistance Program

Dental care expenses are excluded when the original problem is not due to an accident However the benefit shall be forfeited for dental care expenses falling under the opinion of a doctor of International SOS a serious medical emergency preventing the Insured from carrying out their assignment or requiring a medical intervention a surgery or an urgent curative treatment in order to prevent from rapid changes in hisher health condition

What if I need prescription medication

We can help if you require a prescription that a local physician cannot obtain or you need to replace lost stolen or depleted medication International SOS will when permissible by local law send the medication you need

What if I am hospitalized

Call the nearest International SOS Worldwide Assistance Center International SOS will immediately take steps to evaluate the care you are receiving and determine what actions must be taken to ensure your safe and speedy recovery




What if local medical facilities are not adequate

If you are hospitalized in an area where adequate medical facilities are not available International SOS will obtain approval from Capgeminirsquos Health and Medical Services to evacuate you to a medical facility capable of providing the required care A physician supervises evacuations and when necessary a medical specialist or nurse will accompany you during the evacuation An air ambulance will be used when required

What happens when I am released from the hospital and still need help

When your condition is stabilized and International SOS has determined that it is medically advisable to bring you home or to a facility near your permanent residence International SOS will again obtain approval from Capgemini to arrange the repatriation under medical supervision

Will International SOS pay my medical bills

The global program will indemnify for medical assistance and any assistance services covered under this policy (ACE Europe) in the event of an accident or emergency during a business trip Warning This program is not intended to replace any primary medical insurance (ie ongoing medical treatments and medical expenses of employees and their dependents when in their home country or host country for expatriate or abroad on private trips) International SOS will advise Capgemini employees on whether medical expenses are eligible and covered (or not) under the relevant insurance policy If the service andor reimbursement is covered by an insurance the insurance will however have the final authority in confirming the eligibility Referring medical expenses please consider the below procedures to be followed up

- External Outpatient medical expenses (appointment or consultations daily

hospitalization) please call at the earliest stage one of our Assistance Center in order to confirm whether these medical expenses or your medical condition should be covered under the existing program and policy and then you will have to pay for these medical expenses Once eligibility is confirmed you will have to follow the claims procedure below to get reimbursed This is what we call on a ldquopay and claim basisrdquo In some exceptional case International SOS may place the guarantee of payment for outpatient and upon Capgemini approval

- Inpatient Hospitalization Medical evacuation or repatriation medical expenses

please call at the earliest stage one of our Assistance Center in order for our operations to be involved as soon as possible and thus in a position to place guarantee of payment when required and accepted facilitate the admission into the hospital start the medical monitoring and ensure the medical expenses will be covered and recharged to the insurer or to Capgemini




Referring the claims reimbursements process you need to get in contact with one of our Assistance Centers who will proceed with outpatient medical expenses

- Call at the earliest stage one of our 27 International SOS Assistance Centers

- Once activated International SOS will confirm to you the process to be followed (depending on relevant insurance policy) and provide a list of all documentation required (claims form to be filled proof amp certificates to be provided etc)

- - NB Members covered by insurer ACE International SOS will also provide instructions to

be followed(claims formexisting local health insurance policy if any currency for the reimbursement (options are euro US$ GBP Indian Rupees Swiss Francs ndash please not that payment can be delayed because of international transfer)

Please note that the reimbursement process will take up to a maximum of 5 weeks after the activation of International SOS

What if I need legal advices while overseas

Call the nearest International SOS Worldwide Assistance Center for legal referrals

What should I do if I am concerned about my security or in the event of a security emergency

Contact us and a security specialist will assist you for both urgent and non-urgent situations

What is security evacuation assistance and coordination

We will assist you in the event of threatening situations such as civil and political unrest insurrections revolution and similar situations by providing information guidance and resources in the event personal safety and security can no longer be assured

How do I access up-to-the-minute information about security alerts warnings and the latest situations

You can visit Our Travel Security Advice and information online on the Capgemini International SOS Portal or reach one of our Assistance Centers and request for Travel Security advice


What if I get injured following a terrorist attack

International SOS will assist you in the event of any terrorist attack on a best effort basis Even if the costs incurred are not covered by ACE Europe International SOS will provide you with assistance services with prior approval of Capgemini Authorized Persons




In the event of death

Where possible International SOS will assist notably to obtain clearances and arrange transportation for the return of mortal remains

TRAVEL ASSISTANCE SERVICES (ONLY FOR SHORT-TERM ASSIGNMENT)

International SOS is the unique point of contact for any requests about travel assistance services Every request will be evaluated and grantedrefused in accordance with the terms of the insurance policy (ACE Europe)

What is the claims reimbursements process

Referring the claims reimbursements process you need to get in contact with one of our Assistance Center which will proceed for travel assistance expenses

- Call at the earliest stage one of our Assistance Centers

- Once activated International SOS will confirm whether the claim expenses is eligible under the Insurance Policy (ACE Europe) then provide all instructions to be followed by you (claims form to be filled proof amp certificates to be provided with the claims form existing local health insurance policy if any currency for the reimbursement (options are euro US$ GBP Indian Rupees Swiss Francs ndash please not that payment can be delayed because of international transfer)

- Please note that the reimbursement process will take up to a maximum of 5 weeks after the activation of International SOS

If I have any questions regarding my claimhellip

If you have any questions about the follow-up of your claim please contact the Assistance Center or the dedicated team dlparopscapgemini_claimsinternationalsoscom (please mention your case number in all your communications) Please note that the reimbursement process will take up to a maximum of 5 weeks after the activation of International SOS

What is the coverage against loss damage theft or destruction of personal baggage and professional computer equipment

1 Insured interest

The Insurer shall cover

- Loss - Damage - Theft committed by forcible entry robbery or unmistakable violence - Total or partial destruction




- Theft and destruction of personal belongings left in the boot of a parked vehicle between 0700 and 2200 Hours following an unmistakable forcible entry

The Insurerrsquos cover shall only apply if

- The loss damage or destruction takes place while the baggage is under the responsibility of a carrier and it has been booked in

- The Insured must issue the carrier with all the necessary reserves in the period and manner laid down by the rules and must produce evidence of this to the Insurer

- The loss damage or destruction is the consequence of a catastrophic event such as a fire flood collapse or a terrorist act

- The theft is the subject of a complaint to the local authorities and the Insured sends the original of the receipt to the Insurer

- The theft of personal belongings left in the boot of a vehicle shall only be covered provided that they were not visible and on presentation to the Insurer of the report of the offence to the prosecuting authorities

These covers shall be granted during the entire period of the assignment

2 Limit of Liability

- Cover in respect of the Insuredrsquos baggage and personal belongings shall apply up to the limit of Five Thousand Euros (euro5 000)

- Cover in respect of valuable items jewelry and furs shall apply up to the limit of Thirty per cent of the indemnity paid in respect of ldquobaggagerdquo cover

- Cover in respect of computer equipment belonging to the Insured or to the Corporate Policyholder shall apply up to the limit of Three Thousand Euros (euro3 000)

3 Exclusions

A Specific to baggage belongings and personal effects

The following are expressly excluded from cover - Dentures artificial eyes and other prostheses spectacles contact lenses - Cash personal papers commercial documents administrative documents travellerrsquos cheques

credit cards air tickets travel tickets and vouchers - Damage caused by normal wear and tear depreciation and inherent defects in the baggage

Damage caused by moths or vermin or methods of cleaning repairing or restoring or poor baggage handling through the action of the Insured

- Damage resulting from confiscation seizure or destruction by order of an administrative authority

- Baggage belongings and personal effects left in a parked vehicle between 2200 and 0700 hours

- Valuable items jewellery and furs left in a parked vehicle and this irrespective of the time - Valuable items jewellery and furs entrusted to carriers - Keys and any other similar objects (eg magnetic cards or badges) - Any baggage or personal belongings left unattended by the Insured - Mobile telephones




- Audio-visual equipment cameras video or hi-fi equipment entrusted to carriers

B Specific to Computer Equipment

Besides the policy exclusions the following shall not be indemnified - The costs of reinstating media - The increased costs of working - Damage covered under the manufacturerrsquos warranty - Laptop computers and all their accessories when they are left in baggage entrusted to carriers

or when they are carried in a baggage compartment or when they are left in a parked vehicle and this regardless of the time

C Common to personal baggage and professional computer equipment

- The costs that may be indemnified by another insurance policy or those that are the subject of an indemnity awarded either to the Insured or to the Corporate Policyholder

When do I need to report to get reimbursement of losses

Cover shall only apply to any losses reported to International SOS within 5 days after their occurrence unless you can prove that a case of force majeure prevented the loss from being reported within that period

What documents and receipts do I need to provide International SOS with

Before sending any documents please contact one of our Assistance Centers to obtain detailed information about claims reimbursement process and claim form

1 For travel Incidents

You must provide all the supporting evidence of costs generated by the aforesaid incidents

2 For loss damage theft or destruction of baggage

- You must file a complaint for loss damage theft or destruction of baggage with the competent local authorities within a period of Twenty-Four (24) Hours following the date of the loss

- The complaint receipt and also a detailed statement must be forwarded to International SOS within a maximum period of Ten (10) Days

- You must submit a claim for loss damage theft or destruction of baggage to the carrier within a period of Twenty-Four (24) Hours following the date of loss The complaint receipt and also a detailed statement must be forwarded to International SOS within a maximum period of (10) Ten Days

- In the event of the theft of baggage from the boot of hisher vehicle the Insured shall be obliged to produce proof of the break-in (photograph of the damage repair bill for the lock)

- You shall be obliged to present to International SOS all the supporting proof enabling it to verify or assess the damage (photograph of the damaged baggage bill) and also any document that the Insurer reserves the right to request

- In all cases a letter specifying the date and place of purchase as well as the invoice




- As regards valuable items and jewelry it is imperative that the Insured presents to International SOS the invoices the warranty certificate the notarized deed if possession of these items is the consequence of an inheritance and the valuation of an expert if these items were valued in the absence of an invoice

3 For Cancellation or modification of a journey you must forward to International SOS

the following documents

- The contact details of the travel agent - A copy of the contract signed with the travel agent and also all the documents necessary for

assessing the loss - The precise reason for the cancellation and also all the necessary supporting documents such

as according to the nature of the event the death certificate proof of the family relationship linking you to the victim the record of residence in the care establishment a copy of the court summons the complaint receipt in the event of theft of papers or a copy of the loss advice in the event of severe damage at your home

If I face additional expenses related to flight delay or cancellation are those covered under the Capgemini Group assistance program

For the flight delay flight cancellation or non-admission on board Capgemini insurer may indemnify for restaurant hotel or transfer expenses related to the mentioned reasons and only based upon receiptds provision Franchise of delay 4h Max amount of indemnification 300 euro

If I face additional expenses related to luggage delivery delayed are those covered under the Capgemini Group Assistance Program

For luggage delays if the Memberrsquos baggage booked in and placed under the responsibility of the airline is not delivered to himher twenty-four hours after hisher arrival at the destination of hisher scheduled flight the Insurer shall indemnify the Member up to the amount of six hundred euros (EUR 600) for the costs incurred in making emergency and essential purchases This cover shall not attach to the Insuredrsquos return to hisher home country




CAPGEMINI INDIA ndash LONG TERM TRAVELS ndash SUMMARY OF BENEFITS

Policy benefits Sum Insured (In $)

Accident amp Sickness Medical Expenses Reimbursement incl Accident Dental expense

200000

Deductible 25

Dental limit per occurrence and amp 200 per tooth 800

Deductible 25

Assistance Services Included

Emergency Evacuation Included

Repatriation of Remains Included

Hijack Benefit Included

For $30 per day max $ 300 Deductible

Personal Liability

200000

Deductible (Third Party Property Damage Only) 200

Hospitalization Benefit 500

Deductible 50

ADampD 24 Hours- During Business Trip 25000

ADampD Common Carrier 5000

Baggage Loss (Checked) 1500

Per Article amp Per Bag Limits 10amp 50

Baggage Delay (After 12 hours only) 150

Loss Of Passport 250

Deductible 30

Trip Delay (Deductible-8 hours) 180

For every 8 hours 30

Replacement amp Rearrangement of Staff

5000

Trip Cancellation

2000

Deductible 100

Trip Curtailment 2000

Deductible 100

Compassionate Visit

2000

Deductible Nil

Permanent Total Disability

25000

Deductible Nil




PRESENTATION OF THE PROGRAM 3

WHO IS COVERED UNDER INTERNATIONAL SOS PROGRAM 3 ARE MY SPOUSE AND CHILDREN COVERED UNDER THE INTERNATIONAL SOS PROGRAM 3 WHAT IS THE ROLE OF INTERNATIONAL SOS 3 HOW CAN INTERNATIONAL SOS HELP 4 HOW DOES IT WORK 4 WHAT DO I NEED TO DO TO USE THE PROGRAM 4 DO I NEED TO ACTIVATE MY MEMBERSHIP 4 AS A TRAVELER CAN I USE INTERNATIONAL SOS BUSINESS TRAVEL ASSISTANCE DURING MY VACATION 5 DOES THE ASSISTANCE PROGRAM AND COVERS OPERATE IN CASE OF TERRORISM ACTS CIVIL OR FOREIGN WAR 5 WHAT DO I DO IF MY ASSISTANCE CARD IS LOST OR STOLEN 5

MEDICAL amp SECURITY ASSISTANCE SERVICES 6

WHAT IF I HAVE PRE-TRIP QUESTIONS ABOUT MY TRAVEL DESTINATION 6 WHAT ARE EMAIL ALERTS 6 WHAT IF I NEED A DOCTOR 6 IF I FACE DENTAL CARE EXPENSES ARE THOSE COVERED UNDER THE CAPGEMINI GROUP ASSISTANCE PROGRAM 6 WHAT IF I NEED PRESCRIPTION MEDICATION 6 WHAT IF I AM HOSPITALIZED 6 WHAT IF LOCAL MEDICAL FACILITIES ARE NOT ADEQUATE 7 WHAT HAPPENS WHEN I AM RELEASED FROM THE HOSPITAL AND STILL NEED HELP 7 WILL INTERNATIONAL SOS PAY MY MEDICAL BILLS 7 WHAT IF I NEED LEGAL ADVICES WHILE OVERSEAS 8 WHAT SHOULD I DO IF I AM CONCERNED ABOUT MY SECURITY OR IN THE EVENT OF A SECURITY EMERGENCY 8 WHAT IS SECURITY EVACUATION ASSISTANCE AND COORDINATION 8 HOW DO I ACCESS UP-TO-THE-MINUTE INFORMATION ABOUT SECURITY ALERTS WARNINGS AND THE LATEST SITUATIONS 8 WHAT IF I GET INJURED FOLLOWING A TERRORIST ATTACK 8 IN THE EVENT OF DEATH 9

TRAVEL ASSISTANCE SERVICES (ONLY FOR SHORT-TERM ASSIGNMENT) 9

WHAT IS THE CLAIMS REIMBURSEMENTS PROCESS 9 IF I HAVE ANY QUESTIONS REGARDING MY CLAIMhellip 9 WHAT IS THE COVERAGE AGAINST LOSS DAMAGE THEFT OR DESTRUCTION OF PERSONAL BAGGAGE AND PROFESSIONAL COMPUTER

EQUIPMENT 9 WHEN DO I NEED TO REPORT TO GET REIMBURSEMENT OF LOSSES 11 WHAT DOCUMENTS AND RECEIPTS DO I NEED TO PROVIDE INTERNATIONAL SOS WITH 11 IF I FACE ADDITIONAL EXPENSES RELATED TO FLIGHT DELAY OR CANCELLATION ARE THOSE COVERED UNDER THE CAPGEMINI GROUP

ASSISTANCE PROGRAM 12 IF I FACE ADDITIONAL EXPENSES RELATED TO LUGGAGE DELIVERY DELAYED ARE THOSE COVERED UNDER THE CAPGEMINI GROUP

ASSISTANCE PROGRAM 12

CAPGEMINI INDIA ndash LONG TERM TRAVELS ndash SUMMARY OF BENEFITS 13

























How does it work









applicable)

















































































1 Insured interest


















3 Exclusions

















































200000

Deductible 25


Deductible 25






Personal Liability

200000



Deductible 50







Deductible 30




5000

Trip Cancellation

2000

Deductible 100


Deductible 100

Compassionate Visit

2000

Deductible Nil


25000

Deductible Nil

























How does it work









applicable)

















































































1 Insured interest


















3 Exclusions

















































200000

Deductible 25


Deductible 25






Personal Liability

200000



Deductible 50







Deductible 30




5000

Trip Cancellation

2000

Deductible 100


Deductible 100

Compassionate Visit

2000

Deductible Nil


25000

Deductible Nil






How does it work









applicable)

















































































1 Insured interest


















3 Exclusions

















































200000

Deductible 25


Deductible 25






Personal Liability

200000



Deductible 50







Deductible 30




5000

Trip Cancellation

2000

Deductible 100


Deductible 100

Compassionate Visit

2000

Deductible Nil


25000

Deductible Nil















































































1 Insured interest


















3 Exclusions

















































200000

Deductible 25


Deductible 25






Personal Liability

200000



Deductible 50







Deductible 30




5000

Trip Cancellation

2000

Deductible 100


Deductible 100

Compassionate Visit

2000

Deductible Nil


25000

Deductible Nil

































































1 Insured interest


















3 Exclusions

















































200000

Deductible 25


Deductible 25






Personal Liability

200000



Deductible 50







Deductible 30




5000

Trip Cancellation

2000

Deductible 100


Deductible 100

Compassionate Visit

2000

Deductible Nil


25000

Deductible Nil

















































1 Insured interest


















3 Exclusions

















































200000

Deductible 25


Deductible 25






Personal Liability

200000



Deductible 50







Deductible 30




5000

Trip Cancellation

2000

Deductible 100


Deductible 100

Compassionate Visit

2000

Deductible Nil


25000

Deductible Nil




































1 Insured interest


















3 Exclusions

















































200000

Deductible 25


Deductible 25






Personal Liability

200000



Deductible 50







Deductible 30




5000

Trip Cancellation

2000

Deductible 100


Deductible 100

Compassionate Visit

2000

Deductible Nil


25000

Deductible Nil
















1 Insured interest


















3 Exclusions

















































200000

Deductible 25


Deductible 25






Personal Liability

200000



Deductible 50







Deductible 30




5000

Trip Cancellation

2000

Deductible 100


Deductible 100

Compassionate Visit

2000

Deductible Nil


25000

Deductible Nil
















3 Exclusions

















































200000

Deductible 25


Deductible 25






Personal Liability

200000



Deductible 50







Deductible 30




5000

Trip Cancellation

2000

Deductible 100


Deductible 100

Compassionate Visit

2000

Deductible Nil


25000

Deductible Nil










































200000

Deductible 25


Deductible 25






Personal Liability

200000



Deductible 50







Deductible 30




5000

Trip Cancellation

2000

Deductible 100


Deductible 100

Compassionate Visit

2000

Deductible Nil


25000

Deductible Nil




















200000

Deductible 25


Deductible 25






Personal Liability

200000



Deductible 50







Deductible 30




5000

Trip Cancellation

2000

Deductible 100


Deductible 100

Compassionate Visit

2000

Deductible Nil


25000

Deductible Nil







200000

Deductible 25


Deductible 25






Personal Liability

200000



Deductible 50







Deductible 30




5000

Trip Cancellation

2000

Deductible 100


Deductible 100

Compassionate Visit

2000

Deductible Nil


25000

Deductible Nil

Documents

FREQUENTLY ASKED QUESTIONS CAPGEMINI MEDICAL, SECURITY &TRAVEL … · 2017-03-08 · SECURITY &TRAVEL ASSISTANCE PROGRAM ... experts. The app is available on Android, BlackBerry,