To the effects of this contract, the following terms shall be interpreted according to the definitions below:

Insurer: The Insurance company of Tourism "La Isla S.A." assuming the risks agreed by contract.

Drawee of the Insurance: The physical or artificial person that, jointly with the Insurer, subscribes this Policy and to whom correspond the obligations derived from it, except those that by their nature should be fulfilled by the Insured.

Insured: The natural person that appears in the Specific Conditions, provided its age at the moment of contracting the Policy is less than seventy (70) years, except by agreement in contrary and by means of payment of the corresponding additional premium.

Domicile of the Insured: The temporary or permanent home.

Accident: An accident is any traumatic corporal lesion that can be determined by the doctors as real, suffered by the Insured and produced direct and independently of all other cause, due to an external, accidental, involuntary, sudden and fortuitous event.

Limit of compensation: The amounts fixed in the Special and General Conditions that are the maximum compensation limits to be paid by the Insurer in case of accident.

11.1 MEDICAL EXPENSES FOR ILLNESS OR ACCIDENT: The Insurer assumes the charges, until the limit indicated in the Specific conditions for the surgical medical expenses, dentist, pharmacists and hospitalization, incurred as a consequence of an illness or accident during the trip and within the period of validity of the Policy, and suited to the nature of the illness or lesion suffered and according to the circumstances of the event.
Dentist fares are those that require a urgent treatment due to infection, pain or trauma. In any event, this expenses are limited to 500.00 USD.

11.2 REPATRIATION OR TRANSPORTATION:
11.2.1. INJURY OR ILLNESS: In the event the Insured suffers an accident or illness, the Insurer takes charge of the transport to the nearest hospital having the necessary facilities to take care of him.
Also, the Insurer's medical team, in contact with the doctor that treats the Insured, supervises that the attention given is the appropriate one.
In case the Insured were hospitalized and this condition impedes the return in the foreseen date, the Insurer takes charge, until the limit indicated under the Specific Conditions, of the transfer to his home country.
The means of transport used in each case will be decided by the Insurer's medical team according to the urgency and the graveness of the case.

11.2 DEATH: In the event of death of the Insured, the Insurer takes to his charge, until the limit indicated in the Specific Conditions, the procedures and preparation expenses and transport of the corps from the place of death to that of burial in his residence country. The payment of special coffins, the burial and ceremony expenses are excluded from this warrant.

EXCLUSIONS

The warrants 11.1 and 11.2 do not cover the expenses originated by:

a) The rendering of services that have not been requested to the Insurer and that have been made without his agreement, except in the event of force majeur or being of demonstrated material impossibility.

b) The catastrophes caused by deceit of the Insured, of the Drawee of the Insurance, or by people traveling with the Insured.

c) The catastrophes occured in the event of war (declared or not), manifestations and popular riots, acts of terrorism and sabotage, strikes, detentions on behalf of any authority for other reasons than traffic accidents, restrictions to free circulation or any other case of force majeur, unless the Insured proves that the catastrophe doesn't have relationship with such events.

d) Participation in dangerous competitions of any nature, as well as trainings or competition, the bets and the consequences that happen by the practice of dangerous pastime, such as: hunting, under-water activities, delta-flynig, mountaineering, etc. This exclusion can be withdrawn by special agreement with the Drawee of the Insurance.

e) The catastrophes that have for cause the irradiations coming from the transmutation or nuclear disintegration or radioactivity.

f) The rescues in the sea or in mountain sites.

g) Chronic or previously existing illnesses, congenitally recurrent, known or not by the Insured, as well as their getting worse and their consequences.

h) Suicide or illnesses and resulting lesions from suicide intent or those inflicted intentionally by the Insured to himself.

i) Treatments, illnesses and pathological states, as well as any consequence taken place by the intentional ingestion or administration of toxics (drug), alcohol, narcotics or for the use of medications without medical prescription.

j) Any type of protesis, such as, contact eye lenses, earphones, glasses, etc., even in the case in which the Insurer takes to his charge the assistance in all its facets.

k) Pregnancies, childbirths and abortions, independently of their nature, as well as any derived consequence of a gestation state.

l) Any fact derived from a mental alteration, for any cause and even if transitory.

11.3. CIVIL RESPONSIBILITY: The Insurer takes to his charge, according to that indicated under the Special Conditions, the monetary compensations foreseen by the Cuban legislation, if the Insured is obliged to satisfy them as civic responsibility for corporal or material damage caused unwittingly to third in persons or their belongings.

The payment of the quota, expenses and professionals' honorarium are included when they are in defense of the Insured and he has civil responsibility.

In the event of catastrophe of Civil Responsibility, the Drawee of the Insurance or the Insured should not accept, to negotiate or to reject any reclamation without the Insurer's expressed authorization.

The Insurer will be responsible only if he has given his consent in a writing, before any admitted responsibility or any legal expense incurred by the Insured Person.

The Insured will hand to the Insurer in written a detailed report of the facts, and will facilitate all the documents finding him guilty and presented by those harmed, indicating their names and addresses.

EXCLUSIONS

The warrant of CIVIL RESPONSIBILITY (11.3) does not include the corporal lesions or deaths and/ or material damages caused by:

a) Voluntary participation in mutinies, popular riots, attacks, fights (except in legitimate defense), commission or intent of exercising a criminal act.

b) By responsibility arisen by the practice of a profession or occupation, supply of goods, services or, contractual or employer's responsibility.

c) Due to private, hired, borrowed or entrusted animals under any concept to the Insured.

d) By intentional ingestion or administration of toxic (drugs), alcohol, narcotics or for the use of contraindicated medications.

e) By driving aircrafts or ships, also the use of firearms.

11.4 ADVANCE PAYMENT OF JUDICIAL BOND: The Insurer will advance, without any overcharge, upto the limit fixed under the Special Conditions, the bond that can be demanded to the Insured by the judicial authorities inside a process undertaken against him by accusing him of criminal responsibility in an accident.

To be able to be entitled to this warrant, a previous bond will be made in favor of the Insurer.

11.5 ASSISTANCE: The Insurer puts at disposition of the Insured a 24 hour-service to assist him in the event of necessity.

STEPS FOR THE ASSISTANCE:

a) The Insured will request the assistance by telephone, he is to give his first and last names, series and number of the voucher and the its term of validity, the place and telephone number where he is, and describe the problem he has.

The phone calls will be call-collect and in the places where this service is not available, the Insured will be able to recover the cost of the calls during the trip for the amount spent by presentation of the justificatory notes.

b) In the supposition that the Insured suffers an accident or a sudden illness and he cannot fulfill that indicated in point a), he will go to the nearest clinic or hospital and should carry the voucher to be able to receive the services without cost.

c) The Insurer does not assume the responsibility for delays or nonfulfillments due to force majeur.
In any case, if the Insurer's direct intervention were not possible, the Insured will be reimbursed - upon arrival to his residence country, or if it were necessary, as soon as he is in a place where the previous circumstance does not converge- for the expenses incurred and that are warranted, under presentation of the corresponding justificatory notes.

d) The medical services and health transport, are to be made in agreement with the doctor in charge of the Insured and the Insurer's medical team.

e) If the Insured were entitled to the refund of the part of the ticket not used - when making use of the repatriation or transport- this refund will revert on the Insurer. Also, regarding the expenses of assured people's transport, the Insurer will only take charge of the complementary expenses required in case the costs exceed those foreseen initially by the Insureds.