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BUSINESS TRAVEL IPID EN

Résumé

Insurance Product Information Document issued by DKV Luxembourg S.A. for the BUSINESS TRAVEL product, badged Private Health Insurance. It is travel health insurance for journeys abroad, covering outpatient treatments, dental treatments, inpatient treatments, ambulance services and repatriation and return transport. The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified. Cover is valid for the journey abroad indicated on the insurance application.

Garanties

Outpatient treatments – Medical treatments - p. 1

Medical treatments - Optionnelle : non · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.

Outpatient treatments – Drugs and dressings - p. 1

Drugs and dressings - Optionnelle : non · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.

Outpatient treatments – Remedies - p. 1

Remedies such as physiotherapy, massages - Optionnelle : non · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.

Outpatient treatments – Medical aids - p. 1

Medical aids that become necessary for the first time during a stay abroad and as a consequence of an accident (excluding vision or hearing aids) - Optionnelle : non · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.

Dental treatments – Pain-relieving treatment - p. 1

Pain-relieving treatment - Optionnelle : non · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.

Dental treatments – Simple dental filling - p. 1

Simple dental filling - Optionnelle : non · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.

Dental treatments – Repair of existing tooth replacement - p. 1

Repair of existing tooth replacement in order to re-establish ability to chew - Optionnelle : non · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.

Dental treatments – Provisional prostheses - p. 1

Provisional prostheses - Optionnelle : non · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.

Inpatient treatments – Medical treatment - p. 1

Medical treatment (incl. surgery) - Optionnelle : non · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.

Inpatient treatments – Accommodation costs - p. 1

Accommodation costs (incl. additional costs for individual room) - Optionnelle : non · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.

Ambulance services – Medical necessary transport - p. 1

Medical necessary transport using approved rescue services to the nearest hospital or doctor - Optionnelle : non · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.

Ambulance services – Search and rescue costs - p. 1

Search and rescue costs - Optionnelle : non · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.

Repatriation and return transport – Return transport - p. 1

Organization and assumption of the costs for a medically reasonable and justifiable return transport of the insured person - Optionnelle : non · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.

Repatriation and return transport – Transfer in the event of death - p. 1

Organization and assumption of costs for a transfer in the event of the death of the insured person - Optionnelle : non · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.

Territorial scope – journey abroad - p. 2

Your insurance cover is valid for the journey abroad indicated on your insurance application. - Optionnelle : non · Portée : the journey abroad indicated on the insurance application

Territorial scope – definition of foreign countries - p. 2

Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. - Optionnelle : non · Portée : all territories outside the Grand Duchy of Luxembourg and the country of permanent residence

Exclusions

Exclusion Description S'applique à Page
Treatments that were a reason for the journey Treatments abroad if the treatments were the only or at least one of the reasons for your journey all p. 1
Existing illnesses known before the journey Treatments of existing illnesses where the necessity of the treatment abroad was known before the journey started (based on medical diagnosis) all p. 1
Contraceptives Contraceptives all p. 1
Preventive medicine, vaccination and serum Preventive medicine, vaccination and serum all p. 1
Diseases based on intention or addiction Costs for diseases based on intention or addiction all p. 1
Suicide or attempted suicide Costs in connection with suicide or attempted suicide all p. 1
Mental, psychogenic and psychosomatic illnesses Treatments for mental, psychogenic and psychosomatic illnesses all p. 1
Pregnancy known prior to the journey Costs related to an insured person’s pregnancy known prior to the beginning of the journey all p. 1
Dental prostheses and dental crowns Dental prostheses and dental crowns all p. 1
Cosmetic treatments Cosmetic treatments all p. 1
Insured events prior to the beginning of cover Insured events that occurred prior to the beginning of insurance cover all p. 1
Expenses after cover has ended Expenses that occur after insurance coverage has ended all p. 1
Cover defined by the Terms and Conditions Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance. all p. 1
Reimbursement limited to expenses incurred The amount of reimbursement is limited on expenses incurred. all p. 1
Territories under a travel warning Further limitations such as: No insurance cover applies to the territories for which the Ministry of Foreign Affairs of Grand-Duchy of Luxemburg (“Ministère des affaires étrangères”) or a relevant Ministry or competent authority in the bordering countries of Luxemburg has issued a travel warning for this territory. all p. 1

Obligations de l'assuré

  • In order to check our obligation to pay benefits, we may need information from you or the insured person. You or the insured person are obliged to provide us with the requested information. (on request) p. 2
  • The insured person is obliged at our request to have himself/herself examined by a medical practitioner commissioned by us. (at the insurer's request) p. 2
  • You are obliged to pay all due premiums including taxes within due time. (within due time) p. 2

Durée & résiliation

  • Durée : The beginning and the end of the insurance cover are indicated in the General Terms and Conditions.
  • Reconduction tacite : non
  • Droit spécial : The insurance contract ends automatically with the termination date indicated on the policy. There is no automatic renewal of the insurance contract.

Prime

  • Premium payment has to be effected immediately.
  • Premium payment can be effected via credit card or Payconiq.

Conditions particulières

  • The entire content is listed in the following documents: Your insurance application and our offer; The insurance policy and any further stipulated agreement; The General terms and conditions of insurance GCI. p. 1
  • The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified. p. 1

Lacunes d'extraction

  • edition_date: null — the document prints NO edition/version date and no reference code. The whole text layer was searched for date and version patterns: no hit. The PDF metadata carry a creation date (2025-05-22); that is metadata, not print, and was NOT used as edition_date.
  • Polarity of the lists: the markers are BITMAP IMAGES, neither text nor vector drawings — get_text() and get_drawings() return nothing for them. Page 1 holds 29 image markers: 14 green ticks (7.16 × 7.94 pt, x0 = 29.8) = 'What is insured?', 12 red crosses (7.16 × 7.22 pt, x0 = 307.4) = 'What is not insured?', 3 orange exclamation marks (2.39 × 8.87 pt, x0 = 309.4) = 'Are there any restrictions on cover?'. The arithmetic closes exactly: 14 + 12 + 3 = 29 images = 14 + 12 + 3 extracted items. Page 2: 2 green ticks ('Where am I covered?'). Marker shape and colour were confirmed on a 6× render of a sibling document from the same template. These facts cannot appear in key_quotes: they are not in the text layer.
  • Column-inversion check NEGATIVE on this document, and it was worth running: the y-ranges of the two columns interleave heavily (a tick at y = 439.8 sits between crosses at y = 430.6 and y = 457.0), yet the flat text emits the whole left column before the right one. Attachment was rebuilt marker by marker on the abscissa rather than taken from reading order.
  • One unmarked line was recorded as a limit rather than a guarantee: 'The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.' It is printed under the last ticked item with no tick of its own; it is carried in the limits of every coverage and in special_conditions.
  • THE MAXIMUM AMOUNTS ARE NOT IN THIS DOCUMENT: it refers to the General Terms and Conditions of insurance. No figure was invented; limits carries the reference verbatim. This is the only quantified statement the sheet makes about the size of the cover.
  • target_audience: null. The product is named BUSINESS TRAVEL, but the document never states a customer category — it describes the product as 'Travel health insurance for journeys abroad' and nothing else. Reading 'entreprises' out of the product name would be an inference, not an observation, so the field is left null with the document's own wording in target_audience_note.
  • The document states no deductible/franchise, no waiting period, no prescription period and no claims procedure; deductibles, waiting_periods, prescription_period and claims_procedure stay empty. No coverage is presented as optional; is_optional = false throughout.
  • Header punctuation differs from the sibling English sheets in this library: this document prints 'What is insured?' with no space before the question mark and 'Product: BUSINESS TRAVEL' with no thin space, where IPID_COMPLETE_HEALTH_en.pdf prints 'What is insured ?' and 'Product : COMPLETE HEALTH' (U+2009 thin space). Recorded because it means quote needles are not transferable between the two, and because it suggests a different template generation.
  • Text-layer trap check: no zero-width spaces, no soft hyphens, no NFD combining accents, no PUA glyphs, no U+0007, no text outside the page rectangle, no stacked headers, no thin spaces. One curly apostrophe (U+2019, in 'an insured person’s pregnancy') preserved verbatim. The item 'Repair of existing tooth replacement in order to\nre-establish ability to chew' is broken across a line WITHOUT a hyphen, so the description joins it with a single space; no hyphenation was repaired anywhere.
  • The risk carrier is named in the document: 'DKV Luxembourg S.A.' (page 1 footer, with legal form). No third party (claims handler, assistance company, broker) is named anywhere — notable for a travel product, where no assistance company is named at all.
  • The PyMuPDF re-extraction performed here is BYTE-IDENTICAL to the text supplied in the prompt (4421 = 4421 characters); the text was not truncated.

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