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SPUERKEESS credit card insurance – Assistance and Non Assistance cover (VISA INFINITE) IPID EN

Résumé

Insurance Product Information Document (IPID) for the insurance cover attached to SPUERKEESS VISA INFINITE credit cards, distributed under the LALUX Assurances brand. It groups twelve NON-ASSISTANCE covers (accident while travelling, payment protection, cancellation of a trip, flight delay, missed departure, protection of purchases, internet delivery, luggage, sports equipment, rental vehicle excess, extension of cover and theft of cash) and two ASSISTANCE covers (illness or death, cash emergency). The insured persons are the cardholder, the spouse/partner and children under 25 as defined in the document, and the insurance is stated to be valid worldwide. The document prints only cover headings: no sums insured, sub-limits or deductibles appear anywhere in it.

  • Assureur : lalux · Branche : Autres · Type : IPID / Fiche d'information

Garanties

NON-ASSISTANCE COVER : ACCIDENT WHILE TRAVELLING (DEATH / DISABILITY) - p. 1

  • Portée : The insurance is valid worldwide.
  • Condition : NON-ASSISTANCE COVER :

NON-ASSISTANCE COVER : PAYMENT PROTECTION INSURANCE - p. 1

  • Portée : The insurance is valid worldwide.
  • Condition : NON-ASSISTANCE COVER :

NON-ASSISTANCE COVER : CANCELLATION OF A TRIP - p. 1

  • Portée : The insurance is valid worldwide.
  • Condition : NON-ASSISTANCE COVER :

NON-ASSISTANCE COVER : FLIGHT DELAY AND / OR EXTENSION OF STAY IF BLOCKED - p. 1

  • Portée : The insurance is valid worldwide.
  • Condition : NON-ASSISTANCE COVER :

NON-ASSISTANCE COVER : MISSED DEPARTURE - p. 1

  • Portée : The insurance is valid worldwide.
  • Condition : NON-ASSISTANCE COVER :

NON-ASSISTANCE COVER : PROTECTION OF PURCHASES - p. 1

  • Portée : The insurance is valid worldwide.
  • Condition : NON-ASSISTANCE COVER :

NON-ASSISTANCE COVER : DELIVERY OF GOODS PURCHASED VIA THE INTERNET - p. 1

  • Portée : For the delivery guarantee of goods purchased on the Internet: guaranteed purchases are those made on a commercial website based in a European country or in the United States and the guaranteed goods must be delivered to the Grand Duchy of Luxembourg or within the European Union.
  • Condition : NON-ASSISTANCE COVER :

NON-ASSISTANCE COVER : LUGGAGE PROTECTION - p. 1

  • Portée : The insurance is valid worldwide.
  • Condition : NON-ASSISTANCE COVER :

NON-ASSISTANCE COVER : SPORTS EQUIPMENT - p. 1

  • Portée : The insurance is valid worldwide.
  • Condition : NON-ASSISTANCE COVER :

NON-ASSISTANCE COVER : EXEMPTION FROM RENTAL VEHICLE EXCESS - p. 1

  • Portée : The insurance is valid worldwide.
  • Condition : NON-ASSISTANCE COVER :

NON-ASSISTANCE COVER : EXTENSION OF COVER - p. 1

  • Portée : The insurance is valid worldwide.
  • Condition : NON-ASSISTANCE COVER :

NON-ASSISTANCE COVER : THEFT OF CASH - p. 1

  • Portée : The insurance is valid worldwide.
  • Condition : NON-ASSISTANCE COVER :

ASSISTANCE COVER : IN THE EVENT OF ILLNESS OR DEATH - p. 1

  • Portée : The insurance is valid worldwide.
  • Condition : ASSISTANCE COVER :

ASSISTANCE COVER : CASH EMERGENCY - p. 1

  • Portée : The insurance is valid worldwide.
  • Condition : ASSISTANCE COVER :

Exclusions

Exclusion Description S'applique à Page
Wilful or intentional deceit or gross negligence Exclusions common to all cover : claims arising from the following are not covered : wilful or intentional deceit or gross negligence on the part of the insured person(s) or the beneficiary ; all p. 1
Drunkenness, inebriation, hallucinogens, narcotics, drugs, abusive use of medication the insured person being in a state of drunkenness or inebriation, their taking of hallucinogenic products, narcotics or drugs and an abusive use of medication ; all p. 1
Brawl (except in self-defence), duel or crime the insured person’s involvement in a brawl (except in self-defence), a duel or a crime ; all p. 1
Participation as a competitor in races and competitions the insured person’s participation as a competitor in races and competitions, as well as in preparatory trials, when motorised vehicles are used; speed, regularity or skill exercises, even authorised ones, are considered to be races or competitions; all p. 1
Earthquake or other disasters earthquake or other disasters ; all p. 1
Civil or foreign war civil or foreign war ; all p. 1
Fire, explosion, heat release, irradiation, transmutation of atomic nuclei, radioactivity, artificial acceleration of nuclear particles direct or indirect effects of fire, explosion, heat release, irradiation, resulting from transmutation of atomic nuclei or radioactivity, as well as by the effects of radiation caused by the artificial acceleration of nuclear particles ; all p. 1
Less than 30% of the costs of the insured trip paid with the VISA INFINITE credit card "Are there any exclusions to the cover ?" / NON-ASSISTANCE and ASSISTANCE COVER : The cover is not valid if a minimum of 30% of the costs of the insured trip are not paid for with the VISA INFINITE credit card. NON-ASSISTANCE and ASSISTANCE COVER p. 1
Trip lasting more than 91 consecutive days "Are there any exclusions to the cover ?" / NON-ASSISTANCE and ASSISTANCE COVER : Trip lasting more than 91 consecutive days. NON-ASSISTANCE and ASSISTANCE COVER p. 1
Each type of cover has its own specific exclusions in the General Terms and Conditions "Are there any exclusions to the cover ?" / NON-ASSISTANCE and ASSISTANCE COVER : Each type of cover has its own specific exclusions, wich can be consulted in the relevant General Terms and Conditions. NON-ASSISTANCE and ASSISTANCE COVER p. 1

Obligations de l'assuré

  • WillisTowers Watson Luxembourg S.A. receives the claims which it forwards to the Compensation Department of LA LUXEMBOURGEOISE. In all cases, the cardholder must report the claim no later than 30 working days following the date on which the claim became known. To do so, they use the hyperlink to the online reporting tool provided by Willis Towers Watson Luxembourg S.A. accessible on the bank’s website : https://www.spuerkeess.lu/en/private-customers/daily-management/form-for-an-event-of-claim/ (NON-ASSISTANCE COVER) p. 2
  • Notify the Company of all hospital treatment within three days by calling (+352) 42 64 64 844 or sending an e-mail toassistance@dkv.lu. Failing this, the Company is not obliged to reimburse the treatment. If the Company receives information about the hospitalisation at a later date, it is obliged to grant the benefit only from the day on which it became aware of the hospitalisation. (Assistance cover in the event of a disaster. · Failing this, the Company is not obliged to reimburse the treatment. If the Company receives information about the hospitalisation at a later date, it is obliged to grant the benefit only from the day on which it became aware of the hospitalisation.) p. 2
  • First send the original invoices, with proof of payment, to the statutory health insurance fund. (Assistance cover in the event of a disaster.) p. 2
  • Then send the following documents to the company within 30 days : copies of the invoices ; all supporting documents for reimbursement from the compulsory health insurance fund and supplementary insurance companies ; the credit card number. (Assistance cover in the event of a disaster.) p. 2
  • If the statutory health insurance does not contribute to the costs, send the original documents to the Company; it is only obliged to reimburse the treatment upon presentation of the originals. (Assistance cover in the event of a disaster. · it is only obliged to reimburse the treatment upon presentation of the originals) p. 2
  • In addition, the supporting documents requested by the Company necessary to assess its obligation to pay must be provided. The Company may request proof of prior payment. (Assistance cover in the event of a disaster.) p. 2
  • Claims for repatriation benefits in the event of death must be substantiated by the official death certificate. (Assistance cover in the event of a disaster.) p. 2
  • The supporting documents and proof of payment become the property of the Company. (Assistance cover in the event of a disaster.) p. 2
  • The Company is authorised to provide benefits to the bearer of the regulatory supporting documents. (Assistance cover in the event of a disaster.) p. 2
  • Claims for insurance benefits cannot be assigned or pledged. (Assistance cover in the event of a disaster.) p. 2
  • A lawyer may only be appointed by the insured person with the written consent of the Company. [printed inside the "What is not covered ?" box, without an exclusion mark - see gaps] p. 1

Procédure de sinistre

  1. WillisTowers Watson Luxembourg S.A. receives the claims which it forwards to the Compensation Department of LA LUXEMBOURGEOISE. In all cases, the cardholder must report the claim no later than 30 working days following the date on which the claim became known. To do so, they use the hyperlink to the online reporting tool provided by Willis Towers Watson Luxembourg S.A. accessible on the bank’s website : (délai : no later than 30 working days following the date on which the claim became known) p. 2
  2. Notify the Company of all hospital treatment within three days by calling (+352) 42 64 64 844 or sending an e-mail toassistance@dkv.lu. (délai : within three days) p. 2
  3. First send the original invoices, with proof of payment, to the statutory health insurance fund. p. 2
  4. Then send the following documents to the company within 30 days : (délai : within 30 days) p. 2

Durée & résiliation

  • Durée : Cover under this contract takes effect on the date on which the insured person’s payment card becomes effective.
  • Modalité : Cover is immediately terminated ipso jure in the event of non-renewal of the card, or withdrawal of the insured person’s card or, in the event of termination of the insurance contract taken out by the policyholder with the Company, on the date on which the insurance contract ends following its termination.
  • Droit spécial : Any payment for a trip made or goods purchased before the cancellation of the credit card by the card issuer, or of the insurance contract taken out by the policyholder, is taken into consideration according to the terms of the contract.
  • Droit spécial : The cover applicable is the cover linked to the card active on the date of the claim.

Conditions particulières

  • Insured persons benefit from a range of insurance cover when travelling. The insured persons : The holder of a valid credit card issued by SPUERKEESS, as well as the spouse/partner and child(ren) under the age of 25 who are legitimate, legitimised, natural, adoptive or in foster care, living in the same household or with the other parent (in the event of divorce or legal separation), even if they are travelling separately. p. 1
  • Disclaimer : this document is not personalised according to your specific needs and the information and obligations provided in this document are not exhaustive. For full information on the rights and obligations of the insurance company and the insured person, please refer to the general and/or special conditions relating to the insurance product chosen. p. 1
  • The mention "Non-exhaustive list" is printed at the foot of the "What is not covered ?" box and at the foot of the "Are there any exclusions to the cover ?" box. p. 1
  • WillisTowers Watson Luxembourg S.A. receives the claims which it forwards to the Compensation Department of LA LUXEMBOURGEOISE. they use the hyperlink to the online reporting tool provided by Willis Towers Watson Luxembourg S.A. accessible on the bank’s website : p. 2
  • Notify the Company of all hospital treatment within three days by calling (+352) 42 64 64 844 or sending an e-mail toassistance@dkv.lu. p. 2
  • The insurance is valid worldwide. For the delivery guarantee of goods purchased on the Internet: guaranteed purchases are those made on a commercial website based in a European country or in the United States and the guaranteed goods must be delivered to the Grand Duchy of Luxembourg or within the European Union. p. 2

Lacunes d'extraction

  • Risk carrier undeterminable from this document. The header band prints only the brand "LALUX Assurances – product: VISA INFINITE credit cards", the body refers to the risk carrier as "the Company" / "the insurance company", and page 2 names "the Compensation Department of LA LUXEMBOURGEOISE" as the destination of claims. No legal form, no R.C.S. number, no registered address and no supervisor is printed on either page, so it is not possible to tell from this document which of lalux's separately authorised entities bears the risk. No carrier entity has been recorded. insurer_name records the printed brand "LALUX Assurances" rather than the task-metadata value "lalux"; insurer_slug is copied through unchanged.
  • edition_date and reference are null: no edition date, version code, year or printed footer appears on either page. Nothing was promoted from the file name or from PDF file metadata.
  • MARK/TEXT MISALIGNMENT IN THE EXCLUSIONS BOX - measured and confirmed on a 4x render, recorded rather than repaired. The "What is not covered ?" box carries seven red cross marks, which are bitmap images (120x121 px, x0 348.1), not text and not vector drawings. The prose contains exactly seven semicolon-terminated items, so the arithmetic closes at 7 marks = 7 items. But two of the marks are printed on continuation lines instead of on the item they belong to: a cross sits at y 524.6 beside "release, irradiation, resulting from transmutation of" and another at y 538.6 beside "atomic nuclei or radioactivity, as well as by", both of which are the middle of the single nuclear-risks exclusion, while "earthquake or other disasters ;" (y 479.7) and the opening line "direct or indirect effects of fire, explosion, heat" (y 507.5) carry NO mark at all. The page really prints it that way. Polarity therefore came from the prose lead-in "Exclusions common to all cover : claims arising from the following are not covered :" and from the semicolon-delimited item boundaries, NOT from the mark positions; the seven exclusions are recorded as the prose delimits them. These counts and coordinates are stated here and not in key_quotes, because image marks are not text and cannot be grounded.
  • RUBRIC DEFECT, kept and flagged, not repaired. The sentence "A lawyer may only be appointed by the insured person with the written consent of the Company." is printed INSIDE the "What is not covered ?" box, after the seven exclusions and before the "Non-exhaustive list" mention. It carries no red cross (verified on the render), it has no terminating semicolon, and it is set at the box margin x0 348.1 rather than at the item indent x0 355.2/362.3 used by the seven exclusions. It is a condition on appointing a lawyer, not a thing that is not covered. It has therefore NOT been recorded as an exclusion and has NOT been moved out of the document's structure either; it is recorded in obligations with a note naming the box it is printed in, and quoted verbatim in key_quotes.
  • A second mark is missing in the second exclusions box, confirmed on a 5x render. "Are there any exclusions to the cover ?" contains three items at the same indent but only two orange exclamation-mark images (40x148 px, x0 350.0, y 700.8 and y 753.3). The middle item "Trip lasting more than 91 consecutive days." prints with no mark of its own; the text layer holds a bare tab at x0 348.1 where the mark would be. It is a printed item at the item indent, so it has been recorded as the third exclusion of that box; the missing mark is reported rather than silently completed.
  • RUBRIC DEFECT in the page-2 section headings, kept and flagged. The section titled "How do I cancel the contract ?" contains no cancellation procedure for the customer at all: its four items describe when cover takes effect, that cover terminates ipso jure on non-renewal or withdrawal of the card or termination of the group contract, how payments made before cancellation are treated, and which cover applies at the date of a claim. That content belongs to a "when does the cover start and end" rubric. It has been recorded under duration_and_cancellation as printed, and no cancellation right has been invented for the fields the heading would suggest.
  • Two standard IPID rubrics are absent from this document: there is no "When and how do I pay ?" section and no "When does the cover start and end ?" section. premium is therefore null - the document says nothing at all about premium, payment terms or indexation. deductibles is null, waiting_periods is empty and prescription_period is null for the same reason: none is mentioned.
  • No amounts, sums insured, sub-limits or deductibles appear anywhere in this document. Every coverage is printed as a capitalised heading only, with no description, so coverages[].description and coverages[].limits are null throughout. The only figures printed in the whole document are the 30% minimum-spend condition, the 91-day trip limit, the 30-working-day and 30-day and three-day claim deadlines, the under-25 age of the covered children and the telephone number - all recorded verbatim.
  • Printed typography preserved verbatim, not corrected: "Each type of cover has its own specific exclusions, wich can be consulted in the relevant General Terms and Conditions." prints "wich" for "which"; the e-mail address on page 2 prints as "toassistance@dkv.lu" with no space after "to"; "WillisTowers Watson Luxembourg S.A." and "Willis Towers Watson Luxembourg S.A." both appear on page 2; and "the VISA INFINITE credit card" and "NON-ASSISTANCE and ASSISTANCE COVER :" carry a doubled space. None has been repaired, so the quotes remain exact spans of the text layer.
  • The document uses thin spaces (U+2009) before colons, semicolons and question marks throughout, and curly apostrophes (U+2019) in "the insured person's" and "the bank's website". Every key_quotes entry was sliced programmatically out of the PyMuPDF text layer rather than retyped, so those characters are preserved exactly.
  • Two-column reversal check run and NEGATIVE. Page 1 is a two-column layout (left column x0 65.1 for "What is covered by the insurance ?", right column x0 348.1 for the two exclusion boxes). The flat text emits the left column in full before the right column, and top-to-bottom within each, so covered items and exclusions attach to the correct boxes; nothing is crossed. The two green tick images (x0 65.1, y 316.8 and y 579.8) mark the two cover headings and the seven red crosses and two orange marks all sit at x0 348-350 in the right column, so the two polarities are also separated by abscissa. The full-width "Disclaimer" band (y 130.7) and "What type of insurance is it ?" band (y 177.8) are printed at the TOP of page 1 but emitted LAST in the flat text; they carry no coverage or exclusion, so no value is mis-attached.
  • Bitmap-mark arithmetic for the whole document: 11 image blocks on page 1 = 2 green ticks (cover headings) + 7 red crosses ("What is not covered ?") + 2 orange exclamation marks ("Are there any exclusions to the cover ?"); 2 image blocks on page 2 = the 2 green ticks of "Where does the cover apply ?". page.get_drawings() returns no marks at those positions, so the marks exist only as placed images.
  • Branch: the task metadata gives autres and it has been copied through unchanged. The document describes itself as travel-related ("Insured persons benefit from a range of insurance cover when travelling.") and would arguably fit the voyage slug, but the package also contains payment protection, protection of purchases, internet-delivery and cash-emergency covers that are not travel covers. The mismatch is flagged rather than resolved.
  • target_audience is null: the document names the insured persons (cardholder, spouse/partner, children under 25) but never states a market segment. That wording is kept verbatim in target_audience_note and was not converted into a category.
  • Third parties named in the document but not identified as the risk carrier: WillisTowers Watson Luxembourg S.A. / Willis Towers Watson Luxembourg S.A. (claims intake, both spellings appear on page 2), SPUERKEESS (card issuer and host of the claim-reporting form) and the e-mail address assistance@dkv.lu for Assistance notification. The document does not say that any DKV entity underwrites any part of this cover, so no DKV entity has been recorded as an insurer.
  • This document is one of several parallel language and card-tier versions published by the same insurer. It was extracted from its own text alone; no wording, carrier, date or limit has been taken from a sibling file (another card tier or another language) to complete anything here.
  • definitions is empty: the document contains no glossary. The nearest thing is the definition of the insured persons, which is recorded in special_conditions and in target_audience_note.

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