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

Résumé

Insurance product information document for the insurance cover attached to VISA PREMIER credit cards issued by SPUERKEESS, underwritten under the LALUX Assurances brand. It groups six NON-ASSISTANCE covers (accident while travelling, cancellation/interruption, flight and luggage, flight delay or extension of stay if blocked, protection of purchases, delivery of goods purchased via the internet) and two ASSISTANCE covers (in the event of illness or death, cash emergency). The insured persons are the holder of a valid SPUERKEESS credit card and their spouse/partner and children under 25; the insurance is valid worldwide. The document states no amounts, sub-limits, deductibles or premium and refers throughout to General Terms and Conditions that it does not reproduce.

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

Définitions

Terme Définition Page
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

Garanties

ACCIDENT WHILE TRAVELLING (DEATH / DISABILITY) - p. 1

Listed under “NON-ASSISTANCE COVER” in the “What is covered by the insurance ?” box. The document gives the heading only, with no description, amount or sub-limit. - Optionnelle : non · Portée : The insurance is valid worldwide. - Condition : The cover is not valid if a minimum of 30% of the costs of the insured trip are not paid for with the VISA PREMIER credit card. - Condition : Trips lasting more than 91 consecutive days are excluded.

CANCELLATION / INTERRUPTION OF - p. 1

Listed under “NON-ASSISTANCE COVER”. The heading is printed truncated on the page — it ends at “OF” with no object — and is reproduced here exactly as printed. No description, amount or sub-limit is given. - Optionnelle : non · Portée : The insurance is valid worldwide. - Condition : The cover is not valid if a minimum of 30% of the costs of the insured trip are not paid for with the VISA PREMIER credit card. - Condition : Trips lasting more than 91 consecutive days are excluded.

FLIGHT, LOSS AND DELAY OF LUGGAGE - p. 1

Listed under “NON-ASSISTANCE COVER”. The document gives the heading only, with no description, amount or sub-limit. - Optionnelle : non · Portée : The insurance is valid worldwide. - Condition : The cover is not valid if a minimum of 30% of the costs of the insured trip are not paid for with the VISA PREMIER credit card. - Condition : Trips lasting more than 91 consecutive days are excluded.

FLIGHT DELAY AND / OR EXTENSION OF STAY IF BLOCKED - p. 1

Listed under “NON-ASSISTANCE COVER”. The document gives the heading only, with no description, amount or sub-limit. - Optionnelle : non · Portée : The insurance is valid worldwide. - Condition : The cover is not valid if a minimum of 30% of the costs of the insured trip are not paid for with the VISA PREMIER credit card. - Condition : Trips lasting more than 91 consecutive days are excluded.

PROTECTION OF PURCHASES - p. 1

Listed under “NON-ASSISTANCE COVER”. The document gives the heading only, with no description, amount or sub-limit. - Optionnelle : non · Portée : The insurance is valid worldwide.

DELIVERY OF GOODS PURCHASED VIA THE INTERNET - p. 1

Listed under “NON-ASSISTANCE COVER”. The heading is given without description or amount, but the “Where does the cover apply ?” box states a territorial rule specific to it. - Optionnelle : non · 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 : Guaranteed purchases are those made on a commercial website based in a European country or in the United States. - Condition : The guaranteed goods must be delivered to the Grand Duchy of Luxembourg or within the European Union.

IN THE EVENT OF ILLNESS OR DEATH - p. 1

Listed under “ASSISTANCE COVER” in the “What is covered by the insurance ?” box. The document gives the heading only, with no description, amount or sub-limit. The related obligations refer to hospital treatment, reimbursement through the statutory health insurance fund and repatriation benefits in the event of death. - Optionnelle : non · Portée : The insurance is valid worldwide. - Condition : The cover is not valid if a minimum of 30% of the costs of the insured trip are not paid for with the VISA PREMIER credit card. - Condition : Trips lasting more than 91 consecutive days are excluded. - Condition : 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.

CASH EMERGENCY - p. 1

Listed under “ASSISTANCE COVER”. The document gives the heading only, with no description, amount or sub-limit. - Optionnelle : non · Portée : The insurance is valid worldwide. - Condition : The cover is not valid if a minimum of 30% of the costs of the insured trip are not paid for with the VISA PREMIER credit card. - Condition : Trips lasting more than 91 consecutive days are excluded.

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, duel or crime the insured person’s involvement in a brawl (except in self-defence), a duel or a crime ; all p. 1
Races and competitions with motorised vehicles 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, nuclear transmutation and radioactivity 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
Appointment of a lawyer without the Company’s written consent Printed as the last item of the “What is not covered ?” box: “A lawyer may only be appointed by the insured person with the written consent of the Company.” It is worded as a restriction rather than as an excluded event. all p. 1
Less than 30% of the trip cost paid with the VISA PREMIER card 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 PREMIER credit card. all p. 1
Trips lasting more than 91 consecutive days NON-ASSISTANCE and ASSISTANCE COVER : Trips lasting more than 91 consecutive days. all p. 1
Specific exclusions of each type of cover (in the General Terms and Conditions) Each type of cover has its own specific exclusions, wich can be consulted in thee relevant General Terms and Conditions. (spellings “wich” and “thee” are as printed) all 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/ (no later than 30 working days following the date on which the claim became known) 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. (within three days of hospital treatment · 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. (on claim, before claiming from the Company) 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. (within 30 days) 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. (on claim · The Company 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. (on request) p. 2
  • Claims for repatriation benefits in the event of death must be substantiated by the official death certificate. (on claim) p. 2

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. (délai : no later than 30 working days following the date on which the claim became known) p. 2
  2. 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/ p. 2
  3. 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
  4. First send the original invoices, with proof of payment, to the statutory health insurance fund. p. 2
  5. 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. (délai : within 30 days) p. 2
  6. 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. p. 2
  7. 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. p. 2
  8. Claims for repatriation benefits in the event of death must be substantiated by the official death certificate. 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

  • 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 both the “What is not covered ?” box and 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. The reporting form is hosted on the bank’s (SPUERKEESS) website. p. 2
  • The Assistance notification channel printed in the document is the telephone number (+352) 42 64 64 844 and the e-mail address assistance@dkv.lu (printed as “toassistance@dkv.lu”, the preceding word “to” being run into the address). The document does not state who operates that channel or that DKV is a carrier of this contract. p. 2
  • The cover applicable is the cover linked to the card active on the date of the claim. p. 2

Lacunes d'extraction

  • No edition date, version code or document reference is printed anywhere on the two pages, so edition_date and reference are null. The PDF file metadata carries a creation and modification date of 2025-03-19 08:32:00+01:00 and an InDesign source name “IPID_SPUERKEESS Cartes de crédit_Assistance et Hors assistance_VISA PREMIER_EN.indd”; that is file metadata, not printed content, so it was not used as the edition date.
  • Carrier: the document prints the brand “LALUX Assurances” in the header banner and names “the Compensation Department of LA LUXEMBOURGEOISE” in the obligations section. It states NO legal form, NO RCS number and NO address, so it is not possible to tell from this document whether the authorised entity is LA LUXEMBOURGEOISE S.A. (non-vie) or another entity. insurer_name records the printed brand “LALUX Assurances” rather than the task metadata value “lalux”.
  • Third parties named in the document but not identified as the carrier: WillisTowers Watson Luxembourg S.A. / Willis Towers Watson Luxembourg S.A. (claims intake, both spellings appear on page 2), SPUERKEESS (card issuer and policyholder-side website host), and the e-mail address assistance@dkv.lu for Assistance notification. The document does not say that DKV underwrites any part of this cover, so no DKV entity has been recorded as an insurer.
  • Branch: the task metadata gives autres and it has been copied through unchanged. The document is travel-related cover attached to a credit card (“Insured persons benefit from a range of insurance cover when travelling”) and would arguably fit the voyage slug of sources/lu/_country.yml; the mismatch is flagged rather than resolved, because the package also contains purchase protection, internet-delivery and cash-emergency covers that are not travel covers.
  • The second bullet of the NON-ASSISTANCE cover list is printed truncated: “CANCELLATION / INTERRUPTION OF”, with no object after “OF”. Verified against a 2.2x render of page 1 — the page really does print it that way; the words are not lost from the text layer. It is recorded verbatim, and it is NOT merged with the following bullet “FLIGHT, LOSS AND DELAY OF LUGGAGE”, which is a separate bullet on the page.
  • No amounts, sums insured, sub-limits, deductibles or waiting periods appear anywhere in this document; every coverage carries only a capitalised heading. deductibles, waiting_periods and prescription_period are therefore null/empty because the document is silent, not because they were not extracted.
  • The document has no “When and how do I pay ?” section and no “When does the cover start and end ?” section — two sections the standard IPID template normally carries. premium is null in consequence. Inception and termination are stated only inside the “How do I cancel the contract ?” box, and are recorded under duration_and_cancellation.
  • The document refers three times to General Terms and Conditions that it does not reproduce (“Each type of cover has its own specific exclusions, wich can be consulted in thee relevant General Terms and Conditions”, and the Disclaimer). No reference, edition or URL for those conditions is given, and no such conditions générales document is present for this product in the lalux document set.
  • Both exclusion boxes carry the printed footnote “Non-exhaustive list”, so the 11 exclusions recorded are all the document prints but are not all the exclusions that apply to the product.
  • Printed typographic defects preserved verbatim and not corrected: “wich” for “which” and “thee” for “the” in the last exclusion; “toassistance@dkv.lu”, where the preposition “to” is run into the e-mail address; “WillisTowers Watson” in one sentence against “Willis Towers Watson” in the next. All are as printed on the page, confirmed on the render.
  • In the “What is not covered ?” box the red cross bullet glyphs are images, not text, and they are misaligned against the items on the page: the items “earthquake or other disasters” and “direct or indirect effects of fire, explosion, heat” carry no cross, while later lines of the nuclear paragraph carry one each. The seven exclusions were segmented from the semicolon-terminated sentences of the text layer, cross-checked against the render, and not from the bullet glyphs.
  • target_audience is null: the document nowhere states a market segment (particuliers / entreprises / indépendants / secteur public). It states only who the insured persons are, which is recorded verbatim in target_audience_note.
  • Text-layer quality checks on this file, all clean: the two pages extracted with page.get_text("text") are byte-identical to the text pasted in the prompt; no zero-width spaces, no soft hyphens, no NFD combining accents, no Private-Use-Area glyphs, no U+0007, no off-canvas text and no dropped ligatures. The only special characters are U+2019 curly apostrophes (5) and U+2009 thin spaces before “? : ;” throughout — the thin spaces are inside several key_quotes and were preserved as exact spans. The header title block is white type on the blue banner (it extracts as colour 16777215) and is normally printed and legible, not white-on-white.
  • is_optional is false on all eight coverages: all eight are listed in the “What is covered by the insurance ?” box and the document marks none of them as optional or as an add-on. The document does not use the words “option” or “optional” at all.

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