iuteCare Subscription Plan – Terms and Conditions

1. What is the iuteCare Subscription Plan?

The iuteCare Subscription Plan is a product offered by IutePay SHPK (hereinafter referred to as “IutePay”), consisting of a package of services that allows customers to access a range of coverages under a single iuteCare Subscription Plan fee, providing coverage for common health, travel, and lifestyle needs.

Specifically, the iuteCare Subscription Plan includes:

1. The insurance component, consisting of:
   1. Travel Insurance;
   2. SMO (Second Medical Opinion) and Health Card;
   3. Life Insurance Coverage.
2. The non-insurance component, consisting of roadside assistance; and
3. Any other benefits that IutePay may add and communicate to customers from time to time, in accordance with IutePay’s General Terms and Conditions.

Full details of each coverage (scope, limits, exclusions) are available on the official iute website under Privacy Policies and Terms and Conditions – iute, as well as in Section 4 of this Terms and Conditions document. In addition, details regarding your insurance coverage are available in the Insurance Product Information Document (IPID) and the Insurance Certificate available through the Myiute App.

For your clarity, a summary of the coverages offered is provided in Section 4 of this document.

iuteCare Subscription Plan Service Providers

The iuteCare Subscription Plan combines complementary protection (travel, life, health card, second medical opinion, and roadside assistance) to provide an enhanced customer experience with Iute. Each component may be underwritten or provided by different authorized entities with which IutePay cooperates.

IutePay does not own, control, or represent these providers and acts solely as an intermediary. The providers operate independently under their respective licenses and regulatory supervision.

The current providers under the iuteCare Subscription Plan are:

IutePay may engage other licensed providers for other specific products and coverages. Customers will be notified in advance of any such changes.

Renewal of the iuteCare Subscription Plan

Your iuteCare Subscription Plan is valid for one year from the date of activation of your subscription plan.

30 days before your iuteCare Subscription Plan expires, IutePay will inform you about the possibility of renewing your iuteCare Subscription Plan. If the Customer agrees to proceed with the renewal, the Customer will authorize IutePay to automatically debit the value of the iuteCare Subscription Plan from the Customer’s Payment Account.

If the customer does not continue paying for the iuteCare Subscription Plan and does not wish to proceed with renewal, IutePay will suspend or terminate access to the service.

Customer Rights

Customers have the right to:

• Access, use, and terminate their iuteCare Subscription Plan in accordance with the established rules.
• Receive complete and clear information about all coverages and providers.
• Submit complaints and claims to the relevant parties.

IutePay Rights

IutePay reserves the right to:

• Suspend services in the event of non-payment or misuse.
• Modify or withdraw services with prior notice.
• Settle payments using the available funds in the IutePay account in accordance with the Customer’s instructions.

Data Protection and Privacy

All personal data collected in connection with the iuteCare Subscription Plan is processed in accordance with IutePay’s Privacy Policy (Privacy Policy – IutePay Albania – iute) and applicable Data Protection Laws. Sensitive data relating to health and insurance claims is shared only with authorized providers and for legitimate service provision purposes.

Governing Law and Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of the Republic of Albania. Any disputes shall be subject to the jurisdiction of the competent Albanian courts.

2. The Role of IutePay

IutePay is not an insurer. IutePay is an insurance intermediary working with Albsig Jetë to provide life and travel insurance to customers of the iuteCare Plan.

IutePay is responsible for arranging insurance as part of your iuteCare Subscription Plan and acts as a licensed insurance agent under Albanian law, duly registered with the Financial Supervisory Authority (AMF).

For non-insurance services, IutePay operates solely as an electronic money institution facilitating access to third-party services through the use of IutePay payment methods.

IutePay does not underwrite or assume any insurance risk. All claims obligations rest with the respective insurers. Albsig Jetë is responsible for handling any claim you make under your insurance and for making payments in the event of an insured event resulting in a successful insurance compensation claim.

3. Payment and Service Terms

Activation of the iuteCare Subscription Plan

Your iuteCare Subscription Plan becomes active one day after your payment has been made and cannot start earlier.

Accessing and Using the Services

Instructions for using insurance and non-insurance benefits are described in Section 4. For non-insurance services such as Roadside Assistance or SMO, customers must contact the designated service provider through the Myiute App or through our Customer Service.

Payment

iuteCare Subscription Plan fees are paid through your IutePay account using your chosen payment method, as made available by Iute. Automatic renewal of the iuteCare Subscription Plan will debit the same payment method unless it is updated.

Collection of Payments by iute

IutePay collects payments on behalf of service providers and insurers as an intermediary.

Withdrawal and Cancellation

You may withdraw from this contract within 14 days from the date of purchase without giving any reason. Withdrawal must be made in writing by email to IutePay at the following email address: . If you have used your insurance, you cannot withdraw from this contract at any time, including during the first 14 days after the Insurance Certificate has been issued.

Following withdrawal, any insurance coverage already provided and future obligations arising from the insurance contract will terminate. We will fully refund the premium paid, except where an insured event has occurred or you have used at least one of the benefits of the iuteCare package.

You may choose to cancel the insurance after this 14-day period, but no refund of your premium will be made.

4. Further Information

Why This Document Is Important

This document sets out the services that IutePay intermediates for IutePay customers under the iuteCare Subscription Plan, in accordance with the relevant agreements concluded with the Service Providers identified in Section 1 of these Terms. It also contains other important information that you should know.

For clarity, the term “account” used in this document refers to your IutePay payment account, also simply referred to as your account. Please read these terms and conditions carefully.

IutePay’s fees are set out on the official iute website at: Price List – IutePay Albania – iute. The main IutePay terms that you accepted and agreed to when opening a payment account with IutePay can also be found at: Terms and Conditions – IutePay Albania – iute.

Insurance as Part of Your iuteCare Subscription Plan

IutePay arranges certain insurance coverage for you as part of your iuteCare Subscription Plan.

IutePay does not provide personal recommendations regarding the insurance arranged and, consequently, does not provide advice based on a fair and individual analysis. IutePay is not an insurance adviser or broker acting on behalf of the customer and, as such, does not analyze the customer’s personal circumstances (age, health, travel habits, family, etc.) to recommend which insurance is best suited to them; instead, it offers standardized insurance packages that are the same for all iuteCare subscribers. As an intermediary, IutePay has not compared different insurers or products to determine which is most suitable for the customer and cannot advise you on the suitability of any of the policies or recommend them. IutePay simply provides you with information about the insurance policies and does not act on your behalf.

IutePay cannot guarantee that your insurance is suitable for you. Please ensure that the insurance is appropriate for you by reading the Insurance Product Information Document (IPID), the Insurance Statement, and your Insurance Terms and Conditions for each insurance benefit, paying particular attention to what is covered and what is not covered.

Wherever IutePay arranges insurance for you as part of your iuteCare Subscription Plan, it is provided under a group insurance policy held by IutePay for the benefit of its customers.

There is no additional fee or premium for any insurance included in your iuteCare Subscription Plan, as the coverage is included in the cost of the iuteCare Subscription Plan fee. If you do not meet the eligibility requirements for insurance, this does not change the fee for your iuteCare Subscription Plan.

IutePay does not control or own any of the insurers and/or other service providers in any way, and they do not control or own IutePay. In most cases, IutePay is entitled to receive a commission from insurance providers.

Iute Life and Travel Insurance for iuteCare Subscribers

This section, together with Section 5 (Complaints Management), includes the terms and conditions applicable to your insurance benefits. IutePay provides information about its role as a licensed intermediary in arranging insurance and about important documents from your insurance provider.

Please read these terms carefully and familiarize yourself with the main conditions, what is covered, what is not covered, and the applicable general exclusions (particularly those relating to pre-existing medical conditions and the age required to be eligible for insurance).

You can find the terms, conditions, and IPIDs for your iuteCare Subscription Plan here:

• IPID: Insurance Product Information Document (IPID)
• Terms and Conditions of Your Insurance Coverage: Insurance Coverage Terms and Conditions

5. Complaints Management

How to Make a Claim

If you have a claim during your trip in Europe, call +431525036341.

For other claims, please visit: https://portal.affinity.iute.com/.

How to Make a Complaint About Your Insurance

For insurance-related complaints, customers must contact the insurer directly using the contact information included in the Insurance Certificate and IPID.

You can always find the insurer’s contact details and instructions on how to submit a claim or complaint in the Insurance Certificate, which you can access in the Myiute App.

How to Make a Complaint About ACA Roadside Assistance

For any complaint or need for roadside assistance services with ACA, you can contact the Assistance Service 24/7/365:

• Email:
• Landline: +355 4 238 7017
• Mobile: +355 67 600 122

Other Complaints Related to the iuteCare Subscription Plan

For other complaints related to the iuteCare Subscription Plan, contact IutePay Customer Service at 044 50 50 60.