tope asistencial

English translation: assistance cover

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
Spanish term or phrase:tope asistencial
English translation:assistance cover
Entered by: Shannon Kirby

05:46 Feb 24, 2017
Spanish to English translations [PRO]
Insurance
Spanish term or phrase: tope asistencial
Seen mostly in travel insurance documents from Argentina.

Examples:
"...en USA y Resto del mundo es de USD 50,000 y en Latinoamérica el tope asistencial es de USD 25,000."
"Producto de Excelencia, con el mayor Tope Asistencial, recomendado para viajes a todo el mundo..."
"...excepto dentro de la Comunidad Europea, donde su tope asistencial asciende a USD50.000."
"...o si debido al destino a visitar, deseara incrementar el tope asistencial, podrá hacerlo comunicándose con..."

Could it be the deductible? A cap? The problem is I've searched all over and I can't find anything to back up my ideas.

Thanks in advance.
Shannon Kirby
United States
Local time: 11:58
assistance cover
Explanation:
I don't disagree with Neilmac's answer but, as Rachael says in her comment, "assistance maximum" is not the best way of marketing it. It sounds like once you reach your limit, you're on your own. Which is true, of course, but "cover" would avoid the problem.

Just to be clear, assistance means things like flying you home if you get sick.

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Note added at 10 hrs (2017-02-24 15:48:48 GMT)
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It's not the same as the total sum insured on the policy, which will usually be much higher.
Selected response from:

philgoddard
United States
Grading comment
Could "assistance coverage" also be used, or is "cover" the standard? I've seen both. Could "cover" be more common in British English and "coverage" more common in the U.S.? Thanks!
4 KudoZ points were awarded for this answer



Summary of answers provided
4 +2assistance maximum
neilmac
4maximum coverage limit
Rachael Ellis (X)
4 -1assistance cover
philgoddard
Summary of reference entries provided
A few ideas
Helena Chavarria

Discussion entries: 7





  

Answers


8 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
maximum coverage limit


Explanation:
"The maximum coverage limit you can find is around $1,000,000 USD, though I’m not sure why you would ever need a limit that large. High coverage limits are important...¨

http://www.nomadicmatt.com/travel-blogs/travel-insurance/

Or, "We offer two coverage limits and..."

http://www.travelinsure.com/products/intermedical-insurance/






Rachael Ellis (X)
Spain
Local time: 17:58
Native speaker of: English

Peer comments on this answer (and responses from the answerer)
agree  Andy Watkinson
23 mins
  -> Thanks

disagree  philgoddard: You can't just ignore asistencial. It's travel insurance, and this is a serious mistranslation.//It's all three. "Assistance" means not just paying your bills, but providing practical help.
1 hr
  -> True, but there's not much context, is it health care assistance? Repatriation assistance? Evacuation assistance? If the post had been clearer about the TYPE of assistance, it would have been easier to respond to.

agree  neilmac: Granted, this is better phrasing for insurance purposes, but it still means the same as my posting. I also think "assistance" is tacitly understood in insurance matters.
1 hr

neutral  Robert Carter: "Maximum" isn't needed here, your reference refers to maximum limits that can be found. Why not just "assistance coverage limit"?
2 hrs

disagree  gutiersa: I wouldn't use the word limit
14 hrs
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9 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): -1
assistance cover


Explanation:
I don't disagree with Neilmac's answer but, as Rachael says in her comment, "assistance maximum" is not the best way of marketing it. It sounds like once you reach your limit, you're on your own. Which is true, of course, but "cover" would avoid the problem.

Just to be clear, assistance means things like flying you home if you get sick.

--------------------------------------------------
Note added at 10 hrs (2017-02-24 15:48:48 GMT)
--------------------------------------------------

It's not the same as the total sum insured on the policy, which will usually be much higher.

philgoddard
United States
Specializes in field
Native speaker of: English
PRO pts in category: 132
Grading comment
Could "assistance coverage" also be used, or is "cover" the standard? I've seen both. Could "cover" be more common in British English and "coverage" more common in the U.S.? Thanks!

Peer comments on this answer (and responses from the answerer)
disagree  Rachael Ellis (X): You can't just ignore "tope"
19 mins
  -> I haven't ignored it. You obviously haven't read my explanation, which says that I believe "cover" is better than "maximum".

neutral  Robert Carter: No Phil, coverage just refers to "what", it doesn't refer to "how much".//Loosely, yes, but here it reads "con el mayor Tope Asistencial", "cover" alone doesn't work for me because it's too broad.
49 mins
  -> You're wrong, and I'm really surprised to see someone like you making such a basic mistake. If you have $50,000 cover, it means the company will pay you up to $50,000
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4 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +2
assistance maximum


Explanation:
It means the maximum amount paid out for assistance. You could call it a cap if you like, although I think it sounds rather negative.

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Note added at 4 hrs (2017-02-24 10:43:07 GMT)
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"Repayment of the student loan will begin after you graduate, stop attending school, or reach your lifetime assistance maximum."

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Note added at 4 hrs (2017-02-24 10:44:01 GMT)
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NB: The term is not specific to insurance, and BTW I have no idea what "the deductible" means.

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Note added at 10 hrs (2017-02-24 15:50:18 GMT)
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Tope = maximum/limit, etc.
Asistencial = adjective from Assistance. QED.
Having said that, I think Rachel's suggestion (cover/age) is better for insurance documents.


    Reference: http://www.moneysavingexpert.com/family/redundancy-help
neilmac
Spain
Local time: 17:58
Native speaker of: Native in EnglishEnglish
PRO pts in category: 76

Peer comments on this answer (and responses from the answerer)
agree  Wendy Penn (X)
46 mins

agree  Elizabeth Joy Pitt de Morales
1 hr

neutral  Rachael Ellis (X): It just doesn't sound very English to me to use that in the above translation. Excellent product with the best "assistance maximum"?
2 hrs
  -> No, the asker has to TWEAK my suggestion = "the maximum amount paid out for assistance". PS sorry I misspelt your name above.

neutral  philgoddard: Rachael has a valid point.
4 hrs
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Reference comments


11 hrs
Reference: A few ideas

Reference information:
In the UK, 'levels of cover/cover levels' seems to be common.

For valuable medical and cancellation cover on a budget, or the highest cover levels with the lowest excesses, AXA’s the first place to visit for quality worldwide travel insurance

http://www.axa.co.uk/insurance/personal/travel/cover-levels/

Eurostar Travel Insurance is typically suitable for travel customers who wish to insure themselves for medical emergencies, delayed or missed departures, cancellation and curtailment, lost, stolen or delayed possessions, loss of money and passport, personal accident, personal liability and legal expenses when travelling.
The levels of cover may vary depending on where you travel (whether in your home country or overseas).

The following is only a summary of the main cover limits. You should read the rest of this policy for the full terms and conditions.

https://www.magroup-online.com/EST/GB/EN/EST_GB_en_ServicesP...

Travel insurance premiums can vary a great deal and, whilst it's important that you are getting good value for money, it is equally important that you are choosing the level of cover that suits your needs. Extras can be added on but a basic policy should include the following levels of cover:

https://www.moneysupermarket.com/travel-insurance/guide/

http://www.money.co.uk/travel-insurance/90-day-travel-insura...

Though it's just occurred to me that 'tope asistencial' could refer to 'maximum medical cover'.

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Note added at 11 hrs (2017-02-24 17:11:49 GMT)
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This list was generated by looking our Top 10 Travel Insurance providers and other high-rated travel insurers, and ranking them by the single items limits of their highest levels of cover available.

https://boughtbymany.com/news/article/travel-insurance-high-...



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Note added at 11 hrs (2017-02-24 17:45:12 GMT)
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The following fragment appears at the top of page 3, although the term is mentioned more than once.

d. Asimismo y en ambos casos, Universal Assistance S.A. se hará cargo de los gastos de desplazamiento de los beneficiarios desde el lugar del accidente o avería hasta el lugar de reparación del vehículo designado.
Nota: En los casos en que el costo del remolque o trasladado del vehículo supere los topes asistenciales, se le informará al beneficiario de antemano cual es el excedente del tope asistencial el cual quedará a su cargo. En caso de aceptar la propuesta se procederá a realizar el servicio.

http://docplayer.es/6899932-I-definicion-de-terminos-utiliza...

Helena Chavarria
Spain
Works in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 53

Peer comments on this reference comment (and responses from the reference poster)
neutral  philgoddard: No, it doesn't mean maximum medical cover, it means assistance cover.
25 mins
  -> Point taken, it was just something that occurred to me. However, I don't think we would mention assistance when referring to insurance policies. Cheers, Phil!
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