CNTOUR

We will pay you the expenses for the cancellation that Your Travel provider bills you according to the conditions of sale up to the limit corresponding to the contracted modality if you have to cancel your trip.

The maximum compensation per claim, in each group policy, will be the one corresponding to the contracted modality, for all the insured affected by the same claim. If the indicated limit is exceeded, the compensation will be distributed proportionally among the Insured affected and according to the amount insured by each one.

We will not pay the costs of airport taxes, management fees for issuance or cancellation, insurance, or other supplements that are not paid by the service provider.

You must cancel the Trip before the start date and notify the supplier. This guarantee is valid until the day and time that you must start your trip.

The insured causes that prevent you from making the Trip must occur after 72 hours from your adhesion to the insurance; Unless you adhere to the insurance at the same time you take out the Trip.

The insured causes that prevent You from making the Trip on the scheduled date are the following:

For health reasons:

• Serious Illness, Serious bodily injury or death of:
• You
• Death of a third-degree relative of yours.
• If you have pregnancy complications or miscarriage.
  

For legal reasons:

• If you are summoned as a party, you will be a witness for a court or a member of a jury.
• If you are summoned as a member of a polling station.
• If you are detained by the police (as long as it is not for a crime).
• If you are summoned for proceedings related to Your divorce.
• If you are going to be given a child for adoption on the dates scheduled for your trip.
  

For Laboral reason:

• If you are fired from your job. It has to be a non-disciplinary dismissal. 
• If you have to take official exams on the dates of your trip. 
• If you have your employment contract extended. 
• If you are forced to transfer and you have to change your address.
  

For extraordinary causes:

• If the Authorities officially declare a “catastrophic zone” the place from which you start your trip. 
• If a terrorist act or a natural catastrophe occurs at the destination. It must be produced within the 30 days prior to the start date of Your Trip. It must be produced within a distance of less than 30 km from the destination. 
• If your company is declared bankrupt.
  

Other motives:

• If you receive a parallel income statement made by the Ministry of Finance for an amount greater than 600 euros. 
• If you cancel the trip because you have won a similar trip in a public draw before a notary public. 
• If you are awarded an official scholarship that coincides with the dates of your trip.
  

When You cancel Your Trip for any of the insured causes, we will also pay the expenses of canceling a Companion when: 

• is insured by this insurance, 
• is on the same Trip reservation as you and 
• you have to travel alone after you have canceled your trip.
  

If You cancel Your Trip for any of the insured causes, we will also pay the cancellation costs of minors when: 

• are insured by this insurance, 
• are in the same reservation of the Trip as you, 
• are at Your expense during the Trip and 
• You cancel your trip for any of the insured causes.
  

If You cannot make Your Trip for any of the insured causes, you can choose to: 

• cancel Your Trip, or 
• assign Your Trip or change it to someone else's name, or 
• modify the dates to travel at another time.
  

If you choose to assign or modify the Trip, we will pay the expenses that are produced by the changes if they are less than the cancellation expenses. In both cases, you waive requesting that we pay you any other type of expense for the cancellation of the trip.

We will pay you the expenses for the cancellation that Your Travel provider bills you according to the conditions of sale up to the limit corresponding to the contracted modality if you have to cancel your trip. 

The maximum compensation per claim, in each group policy, will be the one corresponding to the contracted modality, for all the insured affected by the same claim. If the indicated limit is exceeded, the compensation will be distributed proportionally among the Insured affected and according to the amount insured by each one. 

We will not pay the costs of airport taxes, management fees for issuance or cancellation, insurance, or other supplements that are not paid by the service provider. 

You must cancel the Trip before the start date and notify the supplier. This guarantee is valid until the day and time that you must start your trip. 

The insured causes that prevent you from making the Trip must occur after 72 hours from your adhesion to the insurance; Unless you adhere to the insurance at the same time you take out the Trip. 

The insured causes that prevent You from making the Trip on the scheduled date are the following:

For health reasons: 

• Serious Illness, Serious bodily injury or death of: 
• You 
• A relative of yours of the first or second degree of kinship 
• The person who was caring for Your minor or disabled children in your care 
• Your professional substitute 
• Death of a relative of yours of the third degree of kinship. 
• If you are unexpectedly called for surgery. 
• If you have pregnancy complications or miscarriage. 
• If you are cited for an organ transplant. 
• If a child or brother of yours under two years of age who is insured by this insurance becomes ill unexpectedly.
  

For legal reasons:

• If you are summoned as a party, you will be a witness for a court or a member of a jury. 
• If you are summoned as a member of a polling station.
• If you are detained by the police (as long as it is not for a crime). 
• If you are summoned for proceedings related to Your divorce. 
• If you are going to be given a child for adoption on the dates scheduled for your trip. 
• If you are denied a visa without just cause by the consulate. 
• If you are summoned from an official body to sign a document in person.
  

For Laboral reason:

• If you are fired from your job. It has to be a non-disciplinary dismissal. 
• If you start a job in a new company, in which you have not been hired in the previous six months. In case you are hired by a temporary employment agency (ETT) we will consider the companies for which you have worked and not the ETT. 
• If you have to take official exams on the dates of your trip. 
• If you have your employment contract extended. 
• If you are forced to transfer and you have to change your address.
  

For extraordinary causes:

• Serious damage to your residence (primary or secondary) or to your professional premises (when your presence is essential). We will consider as serious damages those produced by a fire, a theft, an explosion, a flood or by the forces of nature. 
• If you cannot start your trip because there have been acts of air, land or naval piracy at some point along the way. 
• If the Authorities officially declare a “catastrophic zone” the place from which you start your trip. 
• If a terrorist act or a natural catastrophe occurs at the destination. It must be produced within the 30 days prior to the start date of Your Trip. It must be produced within a distance of less than 30 km from the destination. 
• If your company is declared bankrupt.
  

Other motives:

• If you receive a parallel income statement made by the Ministry of Finance for an amount greater than 600 euros. 
• If you cancel the trip because you have won a similar trip in a public draw before a notary public. 
• If your documentation or luggage is stolen in the moments prior to your trip and for that reason you cannot start it. 
• If you break down your vehicle or that of your spouse, or have an Accident with one of them, and you cannot make Your Trip because the cost of the repair is higher than 600 euros. 
• If you are awarded an official scholarship that coincides with the dates of your trip.
   

When You cancel Your Trip for any of the insured causes, we will also pay the expenses of canceling a Companion when: 

• is insured by this insurance, 
• is on the same Trip reservation as you and 
• you have to travel alone after you have canceled your trip.
  

If You cancel Your Trip for any of the insured causes, we will also pay the cancellation costs of minors when:

• are insured by this insurance, 
• are in the same reservation of the Trip as you, 
• are at Your expense during the Trip and 
• You cancel your trip for any of the insured causes.
  

If You cannot make Your Trip for any of the insured causes, you can choose to: 

• cancel Your Trip, or 
• assign Your Trip or change it to someone else's name, or 
• modify the dates to travel at another time.
  

If you choose to assign or modify the Trip, we will pay the expenses that are produced by the changes if they are less than the cancellation expenses. In both cases, you waive requesting that we pay you any other type of expense for the cancellation of the trip.

Jika anda perlu mengganggu perjalanan anda, kami akan membayar perbelanjaan yang berkaitan dengan penginapan sementara untuk hari-hari perjalanan yang tidak digunakan sehingga had yang sepadan dengan jenis yang dikontrakkan. 

Untuk mengira jumlah yang perlu kami bayar kepada anda, kami membahagikan jumlah kos penginapan dengan bilangan malam yang ditempah dan jumlah orang. Kami menggandakan jumlah yang terhasil dengan bilangan malam yang tidak dinikmati oleh anda.

Punca-punca yang dijamin adalah:

• Kematian: 
• Anda atau 
• Ahli Keluarga Terdekat. 
• Kemalangan pada tubuh atau Penyakit Serius yang memerlukan anda dimasukkan ke hospital dan menghalang anda daripada meneruskan perjalanan anda. 
• Kemalangan pada tubuh atau Penyakit Serius yang memerlukan ahli keluarga terdekat dimasukkan ke hospital. 
• Kerosakan serius kepada kediaman anda (utama atau sekunder) atau pada premis profesional anda (apabila kehadiran anda adalah penting). Kami akan menganggap kerosakan serius yang disebabkan oleh kebakaran, letupan, kecurian atau kuasa alam. 
• Jika anda dipecat dari pekerjaan anda. Ia mesti merupakan pemecatan disiplin. 
• Jika anda terpaksa berpindah pekerjaan dan anda perlu menukar alamat anda. 
• Jika anda memulakan pekerjaan di syarikat baru, di mana anda tidak diambil bekerja dalam tempoh enam bulan sebelumnya. Sekiranya anda diambil bekerja oleh agensi pekerjaan sementara (ETT) kami akan menganggap syarikat-syarikat ini adalah tempat anda pernah bekerja dan bukan ETT. 
• Jika anda dipanggil sebagai satu pihak, anda akan menjadi saksi mahkamah atau ahli juri. Punca yang dilindungi mesti berlaku apabila perjalanan anda telah bermula.

• Jika anda atau Ahli Keluarga Terdekat meninggal dunia akibat COVID-19 di antara kontrak insurans dan tarikh perjalanan bermula. 
• Jika anda jatuh sakit dengan COVID-19 dalam dua minggu sebelum memulakan perjalanan dan anda tidak perlu dimasukkan ke hospital. 
• Jika anda jatuh sakit dengan COVID-19 dan dimasukkan ke hospital dalam empat minggu sebelum memulakan perjalanan 
• Jika anda atau rakan anda berada dalam kuarantin perubatan kerana sakit dengan COVID-19 pada tarikh perjalanan bermula. Kuarantin mesti diperintahkan oleh doktor. 
• Jika Ahli Keluarga Terdekat anda dimasukkan ke hospital kerana COVID-19 dan fakta ini menghalang anda daripada membuat perjalanan. 
• Jika anda tidak dibenarkan untuk menaiki kapal terbang kerana anda mengalami demam atau gejala lain. Anda mesti mengemukakan ujian positif COVID-19 yang dilakukan pada hari yang sama atau dalam tiga hari berikutnya. 
• Jika pihak berkuasa negara anda memerlukan kehadiran atau perkhidmatan anda sebagai sebahagian daripada tindak balas terhadap situasi akibat COVID-19.

We will pay you the expenses for the cancellation that Your Travel provider bills you according to the conditions of sale up to the limit corresponding to the contracted modality if you have to cancel your trip. 

The maximum compensation per claim, in each group policy, will be the one corresponding to the contracted modality, for all the insured affected by the same claim. If the indicated limit is exceeded, the compensation will be distributed proportionally among the Insured affected and according to the amount insured by each one. 

We will not pay the costs of airport taxes, management fees for issuance or cancellation, insurance, or other supplements that are not paid by the service provider. You must cancel the Trip before the start date and notify the supplier. This guarantee is valid until the day and time that you must start your trip. 

The insured causes that prevent you from making the Trip must occur after 72 hours from your adhesion to the insurance; Unless you adhere to the insurance at the same time you take out the Trip. 

The insured causes that prevent You from making the Trip on the scheduled date are the following:

For health reasons:

• Serious Illness, Serious bodily injury or death of: 
• You 
• a relative of yours of the first or second degree of kinship 
• the person who was caring for Your minor or disabled children in Your care 
• Your professional substitute 
• Death of a relative of yours of the third degree of kinship. 
• If you are unexpectedly called for surgery. 
• If you have pregnancy complications or miscarriage. 
• If you are cited for an organ transplant. 
• If a child or brother of yours under two years of age who is insured by this insurance becomes ill unexpectedly.
  

For legal reasons:

• If you are summoned as a party, you will be a witness for a court or a member of a jury. 
• If you are summoned as a member of a polling station. 
• If you are detained by the police (as long as it is not for a crime). 
• If you are summoned for proceedings related to Your divorce. 
• If you are going to be given a child for adoption on the dates scheduled for your trip. 
• If you are denied a visa without just cause by the consulate. 
• If you are summoned from an official body to sign a document in person.
  

For Laboral reason:

• If you are fired from your job. It has to be a disciplinary dismissal. 
• If you start a job in a new company, in which you have not been hired in the previous six months. In case you are hired by a temporary employment agency (ETT) we will consider the companies for which you have worked and not the ETT. 
• If you have to take official exams on the dates of your trip. 
• If you have your employment contract extended. 
• If you are forced to transfer and you have to change your address.
  

For extraordinary causes:

• Serious damage to your residence (primary or secondary) or to your professional premises (when your presence is essential). We will consider as serious damages those produced by a fire, a theft, an explosion, a flood or by the forces of nature. 
• If you cannot start your trip because there have been acts of air, land or naval piracy at some point along the way. 
• If the Authorities officially declare a “catastrophic zone” the place from which you start your trip. 
• If a terrorist act or a natural catastrophe occurs at the destination. It must be produced within the 30 days prior to the start date of Your Trip. It must be produced within a distance of less than 30 km from the destination. 
• If your company is declared bankrupt.
  

Other motives:

• If you receive a parallel income statement made by the Ministry of Finance for an amount greater than 600 euros. 
• If you cancel the trip because you have won a similar trip in a public draw before a notary public. 
• If your documentation or luggage is stolen in the moments prior to your trip and for that reason you cannot start it. 
• If you break down your vehicle or that of your spouse, or have an Accident with one of them, and you cannot make Your Trip because the cost of the repair is higher than 600 euros. 
• If you are awarded an official scholarship that coincides with the dates of your trip.
  

When You cancel Your Trip for any of the insured causes, we will also pay the expenses of canceling a Companion when: 

• is insured by this insurance, 
• is on the same Trip reservation as you and 
• you have to travel alone after you have canceled your trip.
  

If You cancel Your Trip for any of the insured causes, we will also pay the cancellation costs of minors when: 

• are insured by this insurance, 
• are in the same reservation of the Trip as you, 
• are at Your expense during the Trip and 
• You cancel your trip for any of the insured causes.
  

If You cannot make Your Trip for any of the insured causes, you can choose to: 

• cancel Your Trip, or 
• assign Your Trip or change it to someone else's name, or 
• modify the dates to travel at another time.
  

If you choose to assign or modify the Trip, we will pay the expenses that are produced by the changes if they are less than the cancellation expenses. In both cases, you waive requesting that we pay you any other type of expense for the cancellation of the trip.

Jika anda perlu menghentikan perjalanan anda, kami akan membayar perbelanjaan yang berkaitan dengan penginapan sementara bagi hari-hari perjalanan yang tidak digunakan sehingga had yang bersesuaian dengan mod kontrak.

Untuk mengira jumlah yang perlu kami bayar kepada anda, kami membahagikan jumlah keseluruhan kos penginapan dengan bilangan malam yang ditempah dan jumlah orang. Kami menggandakan jumlah yang terhasil dengan bilangan malam yang tidak dinikmati oleh anda.

Sebab-sebab yang dijamin adalah:

• Kematian:
• Anda atau
• Ahli Keluarga Terdekat.
• Kemalangan pada tubuh atau Penyakit Serius yang memerlukan anda dirawat di hospital dan menghalang anda daripada meneruskan perjalanan.
• Kemalangan pada tubuh atau Penyakit Serius yang memerlukan ahli keluarga terdekat anda dirawat di hospital.
• Kerosakan serius terhadap kediaman anda (utama atau kedua) atau premis profesional anda (apabila kehadiran anda penting). Kami akan menganggap kerosakan serius yang disebabkan oleh kebakaran, letupan, kecurian atau kuasa alam.
• Jika anda dipecat dari pekerjaan anda. Ia perlu menjadi pemecatan disiplin.
• Jika anda terpaksa berpindah pekerjaan dan anda perlu menukar alamat anda.
• Jika anda mula bekerja di syarikat baru, di mana anda belum diambil bekerja dalam tempoh enam bulan sebelumnya. Sekiranya anda diambil bekerja oleh agensi pekerjaan sementara (ETT), kami akan menganggap syarikat-syarikat ini adlah tempat anda pernah bekerja dan bukan ETT.
• Jika anda dipanggil sebagai satu pihak, anda akan menjadi saksi mahkamah atau ahli juri. Punca yang dilindungi mesti berlaku apabila perjalanan anda telah bermula.

• Bantuan perubatan / hospital jika anda jatuh sakit akibat COVID-19 
• Ujian diagnostik (PCR) untuk mengesahkan jangkitan COVID-19 jika: 
• Anda mempunyai gejala 
• Anda tidak mempunyai gejala, tetapi diperlukan oleh hospital atau kemudahan perubatan untuk merawat anda kerana penyakit atau kemalangan lain 
• Penghantaran balik ke rumah anda jika anda tidak dapat pulang dengan cara yang disediakan kerana anda telah sakit dengan COVID-19: 
• Penghantaran jenazah jika anda meninggal dunia akibat COVID-19. Selagi tidak ada halangan undang-undang, kerajaan atau langkah-langkah kebersihan. 
• Lanjutan penginapan di hotel / penginapan jika anda sakit, tetapi tidak memerlukan rawatan di hospital. Penginapan hotel mesti ditetapkan oleh doktor. 
• Pulang awal jika Ahli Keluarga Terdekat anda: 
• Meninggal dunia akibat COVID-19 atau 
• Anda dimasukkan ke hospital kerana COVID-19

• Jika anda atau Ahli Keluarga Terdekat anda meninggal dunia akibat COVID-19 antara kontrak insurans dan tarikh perjalanan bermula. 
• Jika anda jatuh sakit COVID-19 dalam tempoh dua minggu sebelum memulakan perjalanan dan anda tidak memerlukan rawatan hospital. 
• Jika anda jatuh sakit COVID-19 dan dirawat di hospital dalam tempoh empat minggu sebelum memulakan Perjalanan 
• Jika anda atau pasangan anda berada dalam kuarantin perubatan kerana jatuh sakit COVID-19 pada tarikh perjalanan bermula. Kuarantin mesti disyorkan oleh doktor. 
• Jika Ahli Keluarga Terdekat anda dirawat di hospital atas COVID-19 dan fakta ini menghalang anda membuat Perjalanan. 
• Jika anda tidak dibenarkan naik kereta api kerana anda mengalami demam atau gejala lain. Anda perlu menunjukkan ujian positif COVID-19 yang dilakukan pada hari yang sama atau dalam tempoh tiga hari berikutnya. 
• Jika pihak berkuasa negara anda memerlukan kehadiran atau perkhidmatan anda sebagai sebahagian daripada tindak balas terhadap situasi akibat COVID-19.