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            The services provided by Thalo Assist have exclusive limitations depending on the type of product purchased. The limitations and exclusions of normal and/or legal use in the country in which the Thalo Assist Product is issued apply. The services and products are governed by General Conditions that are reported with the purchase of each Thalo Assist Product and are available to you by entering the web portal, as well as in the commercial and local offices of Thalo Assist where they can be requested in person. , by phone or by e-mail. Pre-existing conditions have exclusions and limitations. Thalo Assist is not an insurance company, but acts as a policyholder for the benefit of its clients. ThaloTravel travel assistance products are 100% underwritten and reinsured by HDI Global Specialty SE. The ThaloExpat product is 100% underwritten and reinsured by SegurCaixa Adeslas. ThaloStudents products are underwritten by Global Benefits Group (GBG).

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