1. INTRODUCTION

Global Mountain Rescue S.A.C. is an international system designed to provide assistance, coordination, and financial protection related to search, rescue, and evacuation operations for individuals facing emergency situations during mountain activities, high-altitude mountaineering, trekking, expeditions, and other covered activities.

Purchasing the Mountain Rescue Card allows the holder to join the Global Mountain Rescue S.A.C. system and access the corresponding benefits during the contracted membership period.

Membership, assistance services, and insurance coverage are related concepts but are legally distinct.

Financial coverage under an insurance policy shall be provided exclusively by the insurance company expressly identified in the applicable policy or insurance certificate.

2. PARTICIPATING ENTITIES

The program may involve:

GLOBAL MOUNTAIN RESCUE S.A.C
Organization responsible for developing and coordinating the international assistance and response system related to mountain rescue.
Website: www.gm-rescue.com

ASOCIACIÓN SOCORRO ANDINO PERUANO S.A.C.
Organization specializing in search, rescue, and assistance activities in mountain environments and remote areas, which may participate in rescue operations, training, coordination, and technical support within the scope of its competencies and authorizations.
Website: www.socorroandinoperuano.com

INSURANCE COMPANY
The financial coverage provided by the insurance policy shall be assumed exclusively by the insurance company identified in the relevant certificate or policy.
Insurance company: UNIQA Österreich Versicherungen AG
Company registration number: Firmenbuchnummer 63197 m
Address: Untere Donaustraße 21, A-1029 Vienna, Austria
Country: Austria
Supervisory authority: Financial Market Authority (FMA), Austria
Associated organization / holder of the framework agreement: Österreichischer Bergrettungsdienst Land Tirol (Bergrettung Tirol)
Registration: Vereinsregister 948437706
Address: Florianistraße 2, 6410 Telfs, Austria

3. NATURE OF THE MEMBERSHIP

The Mountain Rescue Card constitutes an international membership associated with the Global Mountain Rescue S.A.C. system.

The membership may provide:

• Identification as a member
• Registration in the system
• Access to assistance services
• Emergency coordination
• Access to safety protocols
• Access to information
• Additional benefits
• And, where applicable, mountain rescue insurance coverage

The membership shall not, in itself, be interpreted as an insurance policy unless the relevant contract expressly establishes otherwise.

4. PRICE

The final price shall be the price displayed on the purchase page at the time of purchase.

Taxes, duties, bank charges, or additional costs, where applicable, must be disclosed to the customer before payment is confirmed.

5. INSURED PERSON

Coverage applies exclusively to the person identified in the membership or insurance certificate.

The member must provide accurate and up-to-date information.

The membership is personal and non-transferable.

The card belonging to another person may not be used to obtain coverage.

6. PERIOD OF VALIDITY

The exact start and end dates shall appear on the certificate sent to the customer.

7. COMMENCEMENT OF COVERAGE

Coverage shall begin on the date indicated in the certificate.

Where the contract establishes that coverage begins after payment confirmation, incidents occurring before that date shall not be covered.

No retroactive coverage shall be provided.

8. RENEWAL

The membership may be renewed annually.

Renewal shall be subject to payment of the applicable fee and the renewal conditions established by Global Mountain Rescue S.A.C. and/or the insurance company.

The renewal price may be changed for future periods, provided that the customer is notified in accordance with applicable law.

9. GEOGRAPHICAL SCOPE

Where the certificate indicates WORLDWIDE COVERAGE, coverage may apply internationally, subject to:

• Excluded countries
• International sanctions
• Legal restrictions
• Territorial exclusions
• Insurance company conditions
• Availability of SAR services

Worldwide coverage does not mean that Global Mountain Rescue S.A.C. can physically guarantee the availability of a rescue team at every location on the planet.

10. COVERED ACTIVITIES

Coverage is primarily intended for recreational and sporting mountain activities, including the following where accepted under the policy:

• Trekking
• Hiking
• Mountaineering
• Alpinism
• Climbing
• Rock climbing
• Ice climbing
• Expeditions
• Traverses
• Glacier activities
• Snow activities
• High-altitude mountain activities
• Mountain skiing
• Ski touring
• Mountain ascents
• Activities in remote areas

Professional, commercial, or paid activities shall be covered only where expressly provided for in the policy.

11. HIGH-ALTITUDE MOUNTAINEERING

The product is designed for individuals undertaking activities in:

• Mountain ranges
• Glaciers
• Snow-covered areas
• Rock faces
• Technical terrain
• Remote routes
• Hard-to-access areas
• High-altitude areas

The specific coverage shall depend on the terms of the insurance policy.

12. ALTITUDE

Coverage for search, rescue, evacuation, and assistance in high-altitude mountain environments shall be valid up to a maximum altitude of 7,300 meters above sea level (7,300 m a.s.l.), provided that the activity, location, circumstances of the incident, and rescue procedure comply with all other conditions and exclusions established in the policy.

The feasibility of carrying out a rescue depends on:

• Weather conditions
• Oxygen availability
• Wind
• Temperature
• Terrain characteristics
• Aircraft availability
• Safety
• Technical capability
• Aviation authorization

13. SEARCH AND SAR

Coverage may include SEARCH AND RESCUE – SAR operations intended to locate and assist an insured person in an emergency situation.

The following may be involved:

• SAR teams
• Rescuers
• Mountain guides
• Technical specialists
• Drone operators
• Location and tracking teams
• Medical teams
• Communications operators
• Vehicles
• Aircraft
• Helicopters

Expenses shall be subject to the limit established in the policy.

14. MISSING PERSON

When an insured person cannot be located and reasonable circumstances indicate an emergency, a search operation may be activated.

The decision regarding the activation and scope of the operation shall be made by the relevant coordination center, taking into account:

• Available information
• Last known location
• Weather conditions
• Level of risk
• Available resources
• Safety of the rescue team

15. UNSUCCESSFUL SEARCH

Where provided for in the policy, reasonable expenses associated with a search operation may be covered even if the person is not located.

Coverage shall be limited to the insured sum.

16. GROUND RESCUE

The following operations may be covered:

• Trail rescue
• Mountain rescue
• Glacier rescue
• Snow rescue
• Ice rescue
• Rock rescue
• Vertical rescue
• Crevasse rescue
• Avalanche rescue
• Technical rescue
• Stretcher evacuation
• Specialized ground transportation

17. TECHNICAL RESCUE

Coverage may include operations requiring:

• Ropes
• Hauling systems
• Anchors
• Technical stretchers
• Ice equipment
• Climbing equipment
• Vertical progression equipment
• Location and tracking equipment
• Communications equipment
• Specialized personnel

The availability of each resource shall depend on the location of the incident.

18. HELICOPTER RESCUE

When necessary and operationally feasible, a helicopter may be used. Expenses may be covered in accordance with the policy.

Flight operations shall depend on:

• Weather
• Wind
• Visibility
• Altitude
• Flight endurance
• Safety
• Availability
• Permits
• Aviation regulations
• Terrain characteristics

19. EVACUATION

Evacuation may be carried out using:

• Stretcher
• 4x4 vehicle
• Ambulance
• Specialized vehicle
• Helicopter
• Aircraft
• Other appropriate means

The method used shall be determined according to the circumstances of the incident.

20. MEDICAL TRANSPORTATION

When the insured person requires medical assistance, they may be transported to the nearest appropriate medical facility or hospital, in accordance with the policy.

Rescue coverage does not automatically constitute comprehensive international health insurance.

21. RECOVERY OF DECEASED PERSONS

In the event of death during a covered activity, coverage may include:

• Location
• Search
• Recovery
• Extraction
• Descent
• Transportation
• Handover to the competent authorities

International repatriation of remains shall be included only where expressly stated in the policy.

22. REPATRIATION

International medical or funeral repatriation shall be considered a separate coverage. If included, the certificate must specify:

• Limit
• Conditions
• Territory
• Procedure
• Provider

It shall not be automatically considered included within the USD 30,000 rescue limit.

23. COVERAGE LIMIT

All covered expenses arising from the same event may be aggregated for the purpose of applying the limit.

24. EXPENSES THAT MAY BE COVERED

Depending on the policy:

• Search operations
• SAR operations
• Rescue
• Technical rescue
• Evacuation
• Helicopter services
• Vehicles
• Specialized equipment
• Rescue personnel
• Operational communications
• Recovery of deceased persons
• Transportation to the location specified in the policy

25. EXPENSES UNRELATED TO RESCUE

The following are not automatically included in the coverage:

• Hotels
• Food
• Missed flights
• Lost vacation time
• Luggage
• Sports equipment
• Cameras
• Phones
• Personal belongings
• Fines
• Tourism-related expenses
• Expenses incurred by companions

26. OTHER INSURANCE POLICIES

Where the product is subsidiary in nature, the insured person must disclose any other insurance policies that may cover the same event. These may include:

• Health insurance
• Travel insurance
• Accident insurance
• Rescue insurance
• Social insurance
• Other insurance policies

The insurance company shall determine the applicable liability in accordance with the policy and applicable law.

27. PROFESSIONAL ACTIVITIES

Paid activities shall not be automatically covered. These include, among others:

• Professional mountain guiding
• Instructor activities
• Professional photography
• Professional expedition activities
• Mountain work
• Commercial mountain activities

Professional coverage must be purchased specifically where applicable.

28. COMPETITIONS

Sports competitions shall be subject to the applicable special conditions. Professional competitions or paid activities may be excluded.

29. MOTOR RACING AND MOTORCYCLING

Motor racing or motorcycle racing activities may be excluded. These may include:

• Races
• Rallies
• Competitive events
• Training sessions
• Qualifying sessions

30. EXCLUSIONS

Unless the policy expressly provides otherwise, the following may be excluded:

1. Intentional acts.
2. Fraud.
3. False information.
4. Criminal activities.
5. War.
6. Armed conflicts.
7. Terrorism, where applicable.
8. Activities expressly excluded.
9. Professional competition.
10. Undeclared professional activities.
11. Competitive motor racing.
12. Competitive motorcycle racing.
13. Excluded aviation activities.
14. Expenses exceeding the coverage limit.
15. Expenses unrelated to the event.
16. Services provided free of charge.
17. Any other risk expressly excluded by the insurance company.

31. WAR AND CONFLICT SITUATIONS

Coverage in areas affected by war, armed conflict, invasion, serious civil unrest, terrorism, or international sanctions shall be subject to the exclusions established by the insurance company.

32. FREE SERVICES

Where a rescue service is provided free of charge or must be provided free of charge under local law, there shall not necessarily be an entitlement to compensation for that service.

33. RESPONSIBILITY OF GLOBAL MOUNTAIN RESCUE

Global Mountain Rescue shall coordinate and facilitate assistance within its capabilities and protocols. It does not guarantee that:

• A team will be immediately available
• A helicopter will be available
• The authorities will authorize the rescue
• Weather conditions will permit operations
• The rescue can be carried out by air
• The rescue will be possible under all circumstances

The safety of the insured person and rescue personnel shall always be the priority.

34. RESPONSIBILITY OF SAR OPERATORS

Rescue services may be carried out by:

• Asociación Socorro Andino Peruano
• Local teams
• Authorities
• SAR services
• Helicopter operators
• Medical providers
• Associated rescue organizations

These operators may act as independent entities.

35. EMERGENCY ACTIVATION

In an emergency, the insured person should:

1. Protect their own life and the lives of their group members.
2. Contact local emergency services when necessary.
3. Activate an available SOS device.
4. Contact the Global Mountain Rescue assistance center whenever possible.
5. Send their GPS location.
6. Provide information about the number of people, injuries, altitude, weather, location, situation, and availability of communications.

36. SOS DEVICES

The use of Garmin inReach, satellite phones, PLBs, GPS devices, radios, other SOS systems, or Starlink internet may facilitate the activation of an SAR operation. However, the automatic activation of an SOS does not, in itself, constitute automatic acceptance of coverage. Coverage shall be determined in accordance with the policy.

37. OPERATIONS CENTER IN PERU

Global Mountain Rescue S.A.C. may maintain an international coordination system for receiving alerts, conducting initial assessments, locating individuals, coordinating SAR operations, communicating with authorities, coordinating with mountain teams, and monitoring incidents.

SAR Center: SAR@gm-rescue.com
Operations: ops@gm-rescue.com
Information: info@gm-rescue.com
Telephone: +51 943 081 066

38. PRIORITY IN AN EMERGENCY

When it is impossible to obtain prior authorization, rescue teams may act in accordance with their emergency protocols. Financial coverage shall subsequently be assessed in accordance with the policy.

39. OBLIGATIONS OF THE INSURED PERSON

The insured person must:

• Provide accurate information
• Comply with the insurance conditions
• Observe the exclusions
• Act reasonably to preserve their safety
• Follow the rescuers' instructions
• Cooperate during the operation
• Disclose other insurance policies
• Keep relevant documents
• Provide information about the incident

40. FRAUD

If the insured person provides false information or attempts to obtain a benefit through fraud, coverage may be denied. The insurance company may take the measures provided for under applicable law.

41. CLAIMS PROCEDURE

After the operation, the following documents may be requested: membership certificate, policy number, identity document, SAR report, medical report, rescue invoice, receipts, photographs, GPS location, official documents, and information about other insurance policies.

42. DIRECT PAYMENT TO THE SAR OPERATOR

Where authorized by the insurance company, covered expenses may be paid directly to Global Mountain Rescue S.A.C., Asociación Socorro Andino Peruano, a helicopter operator, a medical provider, an SAR team, or a rescue organization. Direct payment shall be subject to the policy limit.

43. PAYMENT BY THE INSURED PERSON

Where the insured person has paid directly for a covered operation, they may request reimbursement by submitting the required documentation. Reimbursement shall be subject to coverage, limits, exclusions, documentation, and approval by the insurance company.

44. CANCELLATION

The customer may request cancellation in accordance with applicable law and the policy conditions. Cancellation of the membership does not automatically entitle the customer to a refund of the premium.

45. REFUND POLICY

46. RIGHT OF WITHDRAWAL FOR ONLINE PURCHASES

Where consumer protection legislation grants a right of withdrawal for distance contracts, that right shall apply in accordance with the legally established time limits and conditions. Where the customer expressly requests that coverage begin before the withdrawal period expires, the corresponding legal consequences shall apply.

47. RENEWAL

Renewal may take place through automatic renewal, manual renewal, or a new annual payment. The applicable method shall be clearly indicated during the purchase process.

48. CHANGE OF DETAILS

The insured person may request changes to their telephone number, email address, mailing address, emergency contact, or other administrative details. Such changes may not be used to modify coverage retroactively.

49. TRANSFER OF MEMBERSHIP

The membership is personal. It may not be sold, assigned, or transferred to another person.

50. DATA PROTECTION

Global Mountain Rescue S.A.C. may process the data necessary to create the membership, issue certificates, manage payments, provide assistance, coordinate rescues, manage claims, prevent fraud, and comply with legal obligations. Where necessary, such data may be shared with the insurance company, reinsurer, SAR teams, authorities, helicopter operators, medical centers, and assistance providers in accordance with the Privacy Policy.

51. EMERGENCY INFORMATION

The insured person may provide emergency contact details, travel group information, itinerary, mountain, route, activity date, and SOS device information to facilitate a search and rescue operation.

52. DIGITAL CERTIFICATE

After payment has been completed, the customer may receive a digital certificate containing their name, membership number, certificate/policy number, dates, coverage, limit, and emergency information.

53. USE OF THE MOUNTAIN RESCUE CARD

The card identifies the member within the Global Mountain Rescue S.A.C. system. It does not replace a passport, identity document, health insurance, mountain permit, park entry permit, climbing authorization, or any other official document.

54. MEDICAL COVERAGE

Rescue coverage must not be confused with international health insurance. Medical consultations, hospitalization, surgery, medication, treatment, and extended medical care shall be covered only if included in the relevant policy.

55. TRAVEL INSURANCE

The Global Mountain Rescue S.A.C. product may be supplemented with travel insurance. Travel insurance and rescue membership are different products, each with its own conditions, limits, and exclusions.

56. COMPLAINTS

Complaints should be sent to info@gm-rescue.com. Where a complaint relates to an insurance coverage decision, it may be referred to the relevant insurance company.

57. INSURANCE COMPANY

The company assuming the insurance risk must be clearly identified before purchase (Name, Address, Country, Registration, Policy).

58. INSURANCE INTERMEDIATION

Where Global Mountain Rescue S.A.C. or a related entity acts solely as a marketer, promoter, or intermediary, its role must be clearly stated. The entity assuming the insurance risk shall be the legally responsible insurance company.

59. APPLICABLE LAW

The insurance policy shall be governed by the law specified in the insurance contract, subject to mandatory consumer protection and insurance regulations applicable in each jurisdiction.

60. DISPUTE RESOLUTION

Insurance claims shall be handled in accordance with the insurance company's procedures. Disputes concerning the membership shall be submitted to the mechanism established by Global Mountain Rescue S.A.C.

61. AMENDMENTS TO THE TERMS

Global Mountain Rescue S.A.C. may amend the membership terms for future periods. Substantial changes to insurance coverage must be approved and communicated by the insurance company.

62. ELECTRONIC ACCEPTANCE

Before completing the purchase, the customer must check a box that is not preselected to accept the Terms and Conditions, Privacy Policy, Cancellation and Refund Policies, and the insurance policy conditions.

63. DOCUMENTS AVAILABLE BEFORE PAYMENT

Before purchasing, the customer must be able to consult the Terms and Conditions, General and Special Policy Conditions, Exclusions, Prices, Cancellation, Refund and Privacy Policies, Claims Procedure, insurance company information, and emergency contacts.

64. CUSTOMER DECLARATION

By purchasing the product, the customer declares that they have read and understood the conditions, the scope of coverage, exclusions, and limits; have provided accurate information; and accept the applicable policies and insurance conditions.

65. SUMMARY TABLE FOR THE WEBSITE

66. IMPORTANT LEGAL NOTICE

This document constitutes a proposed contractual and commercial framework for Global Mountain Rescue S.A.C. It does not, in itself, constitute an insurance policy or replace the general and special conditions issued by an authorized insurance company. No wording on the website shall extend the coverage provided by the insurance policy.

67. OFFICIAL GLOBAL MOUNTAIN RESCUE DETAILS

GLOBAL MOUNTAIN RESCUE S.A.C
Av. Mariscal Toribio de Luzuriaga 477, Huaraz, Ancash, Peru
Email: info@gm-rescue.com / ops@gm-rescue.com / SAR@gm-rescue.com
Telephone: +51 943 081 066
Website: www.gm-rescue.com

68. ASOCIACIÓN SOCORRO ANDINO PERUANO S.A.C.

Asociación Socorro Andino Peruano may participate in training activities, rescue team preparation, SAR coordination, mountain and technical rescue, emergency operations, and logistical support, depending on the location and available resources.

69. RESCUER SAFETY PRINCIPLE

No coverage obliges an SAR team to perform a maneuver that presents an unacceptable risk to rescuers. Operational decisions shall be made by the operation leader or the responsible SAR authority.

70. FINAL PROVISION

Global Mountain Rescue S.A.C. aims to provide an international assistance and coordination framework for mountaineers, facilitating an organized response to emergency situations and financial protection through the associated insurance.