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TRAVEL EN

Résumé

General Terms and Conditions of the TRAVEL health insurance for foreign travel, issued by DKV Luxembourg S.A. Cover applies to a temporary stay abroad specified in the insurance application, for a minimum of seven days and a maximum of fifty-six days, and reimburses medically necessary outpatient, hospital and dental treatment plus additional services and repatriation, up to a maximum total of EUR 150,000 per person and per insured stay. Eligibility is restricted to existing customers of one of the three companies of the LALUX Group who reside in Luxembourg or a neighbouring country and are affiliated to a compulsory statutory health insurance scheme. The premium is charged per day of cover: EUR 2.00 per person per day up to age 69, EUR 8.00 from age 70.

Définitions

Terme Définition Page
The policyholder (Art. 1.1) Any natural person who is already a customer of at least one of the three companies of the LALUX Group (LA LUXEMBOURGEOISE Société Anonyme d'Assurances, LA LUXEMBOURGEOISE-VIE Société Anonyme d'Assurances or DKV Luxembourg S.A.), resides in Luxembourg or one of the neighbouring countries and is affiliated to the compulsory health insurance scheme in Luxembourg or to an equivalent statutory health insurance scheme (e. g. Joint Sickness Insurance Scheme (JSIS) of the European Union). p. 1
The insured person (Art. 1.2) a) Any natural person who meets the conditions of a policyholder within the meaning of Article 1.1, or; b) Any close relative of a natural person who meets the conditions of a policyholder within the meaning of Article 1.1., provided that the said close relative is usually resident in geographical Europe and is affiliated to a compulsory statutory health insurance scheme or an equivalent health insurance scheme. The following are considered to be close relatives of the policyholder: spouse, partner under a civil union contract (e. g. Civil Solidarity Pact), biological children, adopted children, children with no biological relation to the policyholder or children placed with the policyholder by virtue of a court order, aged under twenty-six (26) years, or aged over twenty-six (26) years provided that they are under guardianship or supervision. p. 1
“You” (your) The insured person. p. 1
“We” (our) DKV Luxembourg S.A. p. 1
The “Guarantee” This insurance cover. p. 1
“The patient or injured person” Any insured person who suffers an insured event. p. 1
Insured event (Art. 10) An insured event is an unforeseeable accident or illness suffered by the insured person during their stay abroad, justifying benefits in favour of the latter, as set out in Article 11. In the event of the occurrence of an insured event, our intervention will cease as soon as a medical diagnosis concludes that benefits of a medical nature are no longer necessary. All benefits of a medical nature that are not linked to the original insured event are considered to result from a new insured event. p. 1
Gross negligence (Art. 12 l) Gross negligence includes: failure to comply with the instructions of the local authorities, those responsible for tourist activities, a doctor or other health specialist, or signs warning of a danger or requiring certain behaviour; being in a state of alcoholic intoxication of more than 0.8 g/l of blood and/or drunkenness at the time of the accident; being in a similar state resulting from the consumption of drugs, medication or other hallucinogenic substances at the time of the claim; participation in a bet or challenge at the time of the claim. p. 3
Extreme sport (Art. 12 v) An extreme sport is a particularly dangerous sporting activity that can expose you to serious injury or death in the event of an error or incident while practising it. Extreme sports can be practised in water, in the air or on land and often involves a high degree of risk, speed, height, natural challenges and physical commitment. Some sports are extreme by nature (e.g. sports involving jumping from a height) while others become extreme because of the circumstances in which they are practised (e.g. off-piste skiing or indoor climbing); Extreme sports include, but are not limited to: parachuting, paragliding, bungee jumping, base jumping, hang gliding, wingsuit jumping, outdoor climbing, kitesurfing, surfing, deep sea diving, ice diving, deep sea free diving, white water kayaking, mountaineering, canyoning, downhill mountain biking, off-piste skiing, Formula 1 and even motocross. p. 3

Garanties

Scope of the cover (Art. 2) - p. 1

We offer you insurance cover for a temporary stay abroad if an insured event as defined in Article 10 occurs. If the insured event occurs, we will reimburse you for the expenses incurred for medically necessary treatment and generally provide the benefits specified in Article 11. The scope of your cover is determined by the contents of your insurance policy, the GTC and the legal provisions applicable to insurance contracts concluded in the Grand Duchy of Luxembourg. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay.

Recognised methods and medicines (Art. 11) - p. 2

We provide benefits within the limits of the contract for examination and treatment methods and for medicines that are predominantly recognised as traditional medicine. In addition, we also pay benefits for methods and medicines that have proved effective in practice, or that are used when no traditional medical method or medicine was available at the time the benefits were provided. In the latter case, however, we reserve the right to reduce our benefits to the amount that would have been paid if traditional methods or medicines had been used. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay.

11.1 Outpatient treatment : a) Medical care - p. 2

In the event of illness or an accident up to one hundred per cent (100%) of outpatient costs for medical care are reimbursed. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. - Sous-limite : up to one hundred per cent (100%) of outpatient costs - Condition : You are free to choose an approved doctor for the provision of medical care.

11.1 Outpatient treatment : b) Drugs and dressings - p. 2

Up to one hundred per cent (100%) of outpatient costs for drugs and dressings. However, the following are not considered to be medicines and are therefore excluded from cover: dietetic, nutritional, fortifying and slimming products, contraceptives and geriatric products, mineral water, bath products and cosmetic products. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. - Sous-limite : up to one hundred per cent (100%) of outpatient costs - Condition : Medicines, bandages and therapies must be prescribed by the aforementioned doctor, and medicines must be purchased from a pharmacy. Any repeat purchase of the same medicine must be made based on a medical prescription drawn up by the doctor appointed for this purpose, mentioning the multiple purchase.

11.1 Outpatient treatment : c) Therapies - p. 2

Up to one hundred per cent (100%) of outpatient costs for therapies, namely: physiotherapy, massages, hydrotherapy and wraps, heat treatments, electrotherapy, light therapy and medicinal baths. However, the following are excluded from cover: supplements for treatment at the patient's home (e. g. in a hotel or guesthouse), saunas, thermal baths etc., and treatment by a homeopath, osteopath or chiropractor. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. - Sous-limite : up to one hundred per cent (100%) of outpatient costs

11.1 Outpatient treatment : d) Medical devices - p. 2

Up to one hundred per cent (100%) of outpatient costs for medical devices that become necessary for the first time (e. g. braces, plaster rail) following the occurrence of the insured event. However, the following are excluded from the cover: optical products and hearing aids. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. - Sous-limite : up to one hundred per cent (100%) of outpatient costs

11.1 Outpatient treatment : e) Transport costs - p. 2

Up to one hundred per cent (100%) of outpatient costs for transport costs arising from the approved emergency services that are necessary to take the patient/accident victim to the nearest doctor. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. - Sous-limite : up to one hundred per cent (100%) of outpatient costs

11.2 Hospitalisation : a) Medical care, including the cost of surgical procedures - p. 2

In the event of hospitalisation, up to one hundred per cent (100%) of the costs of medical care, including the cost of surgical procedures, are reimbursed. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. - Sous-limite : up to one hundred per cent (100%) of the costs - Condition : If it is medically established that hospitalisation is necessary, you are free to choose the hospital provided that it is medically recognised in the country where you are staying, that it has permanent medical management and medical records, and that it has sufficient diagnostic and therapeutic options available.

11.2 Hospitalisation : b) Hospital stay, including accommodation in a single room - p. 2

Up to one hundred per cent (100%) of the costs of the hospital stay, including accommodation in a single room. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. - Sous-limite : up to one hundred per cent (100%) of the costs

11.2 Hospitalisation : c) Medically necessary transport to the nearest hospital - p. 2

Up to one hundred per cent (100%) of the costs of medically necessary transport to the nearest hospital by the approved emergency services. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. - Sous-limite : up to one hundred per cent (100%) of the costs

11.2 Hospitalisation : d) Accommodation for a parent - p. 2

Up to one hundred per cent (100%) of the costs of accommodation for a parent if a victim under the age of thirteen (13) is hospitalised. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. - Sous-limite : up to one hundred per cent (100%) of the costs - Condition : Victim under the age of thirteen (13)

11.3 Dental treatment : a) Analgesic dental treatment - p. 2

Up to one hundred per cent (100%) of dental costs for analgesic dental treatment. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. - Sous-limite : up to one hundred per cent (100%) of dental costs - Condition : If it is medically established that dental treatment is necessary, you have a free choice of dentist, provided that the dentist is approved in the country where you are staying.

11.3 Dental treatment : b) Simple dental fillings that are medically necessary - p. 2

Up to one hundred per cent (100%) of dental costs for simple dental fillings that are medically necessary. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. - Sous-limite : up to one hundred per cent (100%) of dental costs

11.3 Dental treatment : c) Repairs to existing dentures - p. 2

Up to one hundred per cent (100%) of dental costs for repairs to existing dentures to restore their chewing ability. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. - Sous-limite : up to one hundred per cent (100%) of dental costs

11.3 Dental treatment : d) Provisional prostheses - p. 2

Up to one hundred per cent (100%) of dental costs for provisional prostheses up to a maximum of two hundred and fifty euro (EUR 250). - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. - Sous-limite : up to a maximum of two hundred and fifty euro (EUR 250)

11.4 Additional services : a) 24-hour customer service - p. 2

Our customer service team can be contacted 24 hours a day for any questions relating to the insured event. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay.

11.4 Additional services : b) Information on local medical treatment options - p. 2

  • Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay.

11.4 Additional services : c) Contact details for hospitals and specialist clinics - p. 2

Contact details for hospitals and specialist clinics are also provided, as well as transfer options. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay.

11.4 Additional services : d) Costs directly reimbursable by the hospital abroad - p. 2

We pay the costs that are directly reimbursable by the hospital abroad. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay.

11.4 Additional services : e) Transport or transfer to a specialist clinic - p. 2

In the event of medical necessity, the costs of transport or transfer to a specialist clinic are covered. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay.

11.4 Additional services : f) Contact with the family doctor - p. 2

Contact is made with the family doctor in order to inform them of the situation and to organise an exchange of information between them and the local doctor responsible for the treatment. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay.

11.4 Additional services : g) Informing next of kin - p. 2

At the patient's/accident victim's request, we inform their next of kin of the situation. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay.

11.4 Additional services : h) Search and rescue - p. 2

The costs of search and rescue by the approved local rescue services are fully covered by us, up to a maximum of five thousand euro (EUR 5,000) per insured person. However, in the event of an accident on a ski slope, the costs of search, rescue and evacuation by the approved rescue services are only be paid by us if the patient/accident victim was on a marked and open ski slope at the time of the accident. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. - Sous-limite : up to a maximum of five thousand euro (EUR 5,000) per insured person - Condition : In the event of an accident on a ski slope, only if the patient/accident victim was on a marked and open ski slope at the time of the accident.

11.5 Repatriation : repatriation of the patient or accident victim - p. 2

We cover the repatriation costs, provided that they are necessary and useful, on the basis of a duly substantiated medical opinion. Repatriation is carried out either to the home of the patient or accident victim, or to the nearest hospital to the patient or accident victim's home, which is able to receive them. If the presence of an accompanying person is required for the repatriation of the patient/accident victim, the repatriation costs of the accompanying person are also covered. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. (Article 11.5 is not listed among 11.1-11.4 in that sentence.) - Condition : On the basis of a duly substantiated medical opinion

11.5 Repatriation in the event of death : a) Funeral services abroad - p. 2

In the event of the death of the patient/accident victim, the costs of repatriating the body to the country of their usual residence are covered, including funeral services abroad. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. (Article 11.5 is not listed among 11.1-11.4 in that sentence.)

11.5 Repatriation in the event of death : b) Preservation of the body on site - p. 2

  • Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. (Article 11.5 is not listed among 11.1-11.4 in that sentence.)

11.5 Repatriation in the event of death : c) Coffin - p. 2

Coffin, up to a maximum of one thousand euro (EUR 1,000). - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. (Article 11.5 is not listed among 11.1-11.4 in that sentence.) - Sous-limite : up to a maximum of one thousand euro (EUR 1,000)

11.5 Repatriation in the event of death : d) Transport of the body - p. 2

Transport of the body from the place of death to the place of burial or cremation. The provisions also apply in the event of burial or cremation of the deceased person in the country where they were staying. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). · Limite : The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) or the equivalent in local currency, per person and per insured stay. (Article 11.5 is not listed among 11.1-11.4 in that sentence.)

Extension of cover if repatriation is impossible (Art. 7) - p. 1

In the event of an illness or accident that makes your repatriation impossible on the expiry date of the cover, an extension of cover is granted to you, without any additional premium, for a period equal to the initial period, but with a maximum of twenty-eight (28) days. - Optionnelle : non · Portée : Your cover applies to a temporary stay abroad specified in your insurance application. A stay abroad is considered to be any stay outside the Grand Duchy of Luxembourg and the country in which you usually reside (Art. 3). - Sous-limite : maximum of twenty-eight (28) days

Exclusions

Exclusion Description S'applique à Page
Stay abroad for the purpose of treatment (Art. 3) Any stay abroad for the purpose of treatment is excluded from the cover. all p. 1
Persons subject to international economic or commercial sanctions (Art. 9) Any natural person subject to an international economic or commercial sanction imposed on us and resulting from a resolution of the United Nations Security Council, a decision of the Council or Commission of the European Union, a legal or regulatory provision or a decision of the same nature, under international or national law and applicable in the territory of the Grand Duchy of Luxembourg is excluded from cover. all p. 1
Stays in territories subject to a warning (Art. 9) Cover is also excluded for stays in territories for which the Ministry of Foreign Affairs, a competent ministry or a competent authority in one of the neighbouring countries of the Grand Duchy of Luxembourg has issued a warning. In the event that you are on the territory of a country for which a warning has been issued, the insurance cover automatically expires at the end of a maximum period of fourteen (14) days following publication of such a warning. all p. 1
a) Treatment abroad that was the sole reason or one of the reasons for your trip Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
b) Diagnosis and treatment instructed in Luxembourg or in your country of residence Diagnosis and treatment instructed in the Grand Duchy of Luxembourg or in your country of residence. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
c) Treatment established before departure to be necessary in the normal course of your trip Treatment that was established before departure (on the basis of a medical diagnosis) to be necessary even in the normal course of your trip (for example, dialysis), except if you are travelling following the death of your spouse or a first degree relative. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
d) Medication established prior to departure as necessary for a long-term treatment Reimbursement of medication that was established prior to departure as being necessary as part of a long-term treatment that you are undergoing. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
e) Relapses or worsening of an illness or pathological condition diagnosed or existing prior to departure Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
f) Expenses resulting from treatment received in Luxembourg or in your country of residence Medical, paramedical, surgical, pharmaceutical and hospital expenses resulting from treatment received in the Grand Duchy of Luxembourg or in your country of residence, whether or not they are consecutive to an illness/accident that occurred abroad. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
g) The cost of contraception Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
h) The cost of preventive medicine, vaccines or vaccination Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
i) Fire, explosion, heat, irradiation, radioactivity or nuclear energy Damage resulting from the direct or indirect effects of fire, explosion, release of heat, irradiation resulting from the transmutation of atomic nuclei, radioactivity or nuclear energy, as well as damage due to the effects of radiation caused by the artificial acceleration of particles or nuclear energy. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
j) Earthquakes, war, terrorism, riots, strikes, epidemics or pandemics Losses resulting from earthquakes, civil or foreign war, acts of terrorism or sabotage, riots, civil commotion, strikes and lockouts, or any comparable event, as well as epidemics or pandemics. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
k) Illnesses or accidents resulting from intentional misconduct or addiction Illnesses or accidents resulting from intentional misconduct or addiction, including their consequences, as well as detoxification measures and detoxification cures. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
l) Illnesses or accidents resulting from gross negligence Illnesses or accidents resulting from gross negligence. Gross negligence includes: failure to comply with the instructions of the local authorities, those responsible for tourist activities, a doctor or other health specialist, or signs warning of a danger or requiring certain behaviour; being in a state of alcoholic intoxication of more than 0.8 g/l of blood and/or drunkenness at the time of the accident; being in a similar state resulting from the consumption of drugs, medication or other hallucinogenic substances at the time of the claim; participation in a bet or challenge at the time of the claim. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
m) Consumption of alcohol, drugs, narcotics or abuse of medicines Illnesses or accidents resulting from the consumption of alcohol, drugs, narcotics or the abuse of medicines or other substances not prescribed by a doctor and which have the effect of modifying a person's behaviour. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
n) Suicide or attempted suicide, including the consequences Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
o) Care relating to psychic, psychogenic and psychosomatic illnesses Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
p) Pregnancy known before departure, termination, sterilisation, miscarriage, childbirth Expenses relating to: pregnancy of the insured person known before departure, termination of pregnancy, sterilisation, miscarriage resulting from a complication of pregnancy the risks of which were known before departure, childbirth and its consequences. However, the following are covered: treatment following acute pregnancy complications that could not have been foreseen by the insured person prior to departure, including premature birth before the end of the 32nd week of pregnancy, miscarriage and medically necessary treatment of a premature baby. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
q) Dental prostheses and crowns Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
r) Thermal treatments and outpatient treatment in a spa Thermal treatments and outpatient treatment in a spa. However, care made necessary during a temporary stay due to an illness unrelated to the purpose of the stay or an accident occurring locally is covered. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
s) Rehabilitation care not referred to in Article 11.1 Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
t) Care provided by spouses, parents or children Care provided by spouses, parents or children. However, material expenses justified on the basis of the scale are reimbursed. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
u) Participation in a sports competition Accidents, illnesses or other injuries resulting from participation in a sports competition, unless otherwise specified in the special conditions. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
v) Practising an extreme sport Accidents, illnesses or other injuries resulting from practising an extreme sport, unless otherwise specified in the special conditions. Extreme sports include, but are not limited to: parachuting, paragliding, bungee jumping, base jumping, hang gliding, wingsuit jumping, outdoor climbing, kitesurfing, surfing, deep sea diving, ice diving, deep sea free diving, white water kayaking, mountaineering, canyoning, downhill mountain biking, off-piste skiing, Formula 1 and even motocross. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
w) Accidents during a motor vehicle race or competition Accidents occurring during a motor vehicle race/competition in which the insured person is participating as a competitor or assistant to a competitor. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
x) Accommodation necessitated by dependency Accommodation necessitated by the insured person's dependency, not covered by Article 11, such as nursing and care homes or rehabilitation and recovery facilities. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
y) Cosmetic treatments of any kind and their consequences, including aesthetic surgery Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
z) Expert reports and certificates, treatment plans and estimates Expert reports and certificates, as well as treatment plans and estimates, if you are required to provide these. Art. 12 - What benefits are excluded from the cover? « We do not pay benefits for: » all p. 3
Reduction where expenses exceed what is medically necessary (Art. 12) If the expenses for care or other services covered exceed what is medically necessary, we may reduce our contribution to an appropriate amount. If the expenses for care or other services covered are clearly disproportionate to the care/services provided, we are not obliged to reimburse them. The situation in each country of destination is taken into account. all p. 3
Subsidiarity to compulsory statutory schemes (Art. 12) If you are entitled to benefits under compulsory health insurance, accident insurance or pension insurance, or to compulsory sickness or accident insurance, we are only obliged to reimburse expenses in excess of these statutory benefits. all p. 3
Products not considered to be medicines However, the following are not considered to be medicines and are therefore excluded from cover: dietetic, nutritional, fortifying and slimming products, contraceptives and geriatric products, mineral water, bath products and cosmetic products. PRINTED INSIDE Article 11.1 b) (a benefit article), not in the Article 12 exclusion list. 11.1 Outpatient treatment : b) Drugs and dressings p. 2
Home-treatment supplements, saunas, thermal baths, homeopath, osteopath, chiropractor However, the following are excluded from cover: supplements for treatment at the patient's home (e. g. in a hotel or guesthouse), saunas, thermal baths etc., and treatment by a homeopath, osteopath or chiropractor. PRINTED INSIDE Article 11.1 c) (a benefit article). 11.1 Outpatient treatment : c) Therapies p. 2
Optical products and hearing aids However, the following are excluded from the cover: optical products and hearing aids. PRINTED INSIDE Article 11.1 d) (a benefit article). 11.1 Outpatient treatment : d) Medical devices p. 2
Other burial or cremation costs in the country of habitual residence However, other costs relating to burial or cremation in the country of habitual residence are excluded from the cover. PRINTED INSIDE Article 11.5 (a benefit article). 11.5 Repatriation p. 2
Additional costs for the repatriation of the deceased person's luggage The cover also excludes any additional costs necessary for the repatriation of the deceased person's luggage. PRINTED INSIDE Article 11.5 (a benefit article), continued on page 3. 11.5 Repatriation p. 3

Obligations de l'assuré

  • The existence of the conditions of insurability on the part of the policyholder and/or the insured person(s) must be reported to DKV Luxembourg S.A., at any time, on first request. (At any time, on first request · Failing this, the insurance contract cannot take effect/will be null and void retroactively by application of the law, despite payment of the relevant premium.) p. 1
  • You must inform us of any hospital treatment within three days of undergoing treatment, either by telephone on (+352) 42 64 64 611 or by e-mail at assistance@dkv.lu. (Within three days of undergoing treatment · Otherwise, we are not obliged to reimburse you and, if we receive the hospitalisation declaration later, we are obliged to grant the benefit only from the day we became aware of it.) p. 3
  • You must first send the original invoices, with proof of payment, to your statutory health insurance provider. (On claim) p. 3
  • You must then send us copies of the same invoices, with proof of reimbursement from the compulsory health insurance, indicating your insurance number. (On claim) p. 3
  • If the compulsory health insurance does not contribute to the costs, you must send us the original documents. (On claim · Otherwise we are not obliged to reimburse you.) p. 3
  • Upon first request, you must also facilitate the collection of the information necessary for our intervention and provide us with all the supporting documents that we deem necessary to enable us to ascertain the insured event, to assess our obligation to provide a service and to determine the extent of our intervention. This provision exempts doctors from medical confidentiality, if necessary, within the framework of this article. (Upon first request) p. 4
  • In the event of a request for repatriation in the event of death, you must send us the official death certificate. (On claim) p. 4
  • At our request, you are required to be examined by a doctor appointed by us. (At our request) p. 4
  • You are responsible for fulfilling the obligations set out in this article. (General) p. 4
  • If you do not comply with the obligations set out in these GTC, the following sanctions apply: a) In the event of an intentional breach, we are exempt from the obligation to provide you with a service; b) In the event of a breach constituting gross negligence, we are only obliged to grant you the benefit if such a breach did not prevent us from ascertaining the insured event and/or from assessing our obligation to grant you the benefit, as well as its scope. The following breaches constitute gross negligence: failure to send us the supporting documents requested, despite two reminders; failure to appear for a second examination by our medical advisor, without justification received within two weeks of the request being sent. c) In other cases of breach, we may reduce our insurance benefits by the amount of the loss suffered as a result of the breach. (General · Intentional breach: exemption from the obligation to provide a service. Gross negligence: benefit only if the breach did not prevent ascertaining the event. Other cases: reduction by the amount of the loss suffered.) p. 4
  • You must notify us of any change of address. Otherwise, any communication sent to the last address known to us will be legally valid. Where applicable, the communication will take effect on the day it is notified to you. (On change · Any communication sent to the last address known to us will be legally valid.) p. 4
  • If you are entitled to reimbursement of your loss from a third party, this right must be assigned to us in writing up to the amount of the reimbursement of costs as provided for in the insurance contract, without prejudice to legal subrogation. (On claim · If, without our agreement, you waive this right or any right useful for guaranteeing it, we are released from our obligation to provide a service to the extent that we could have requested reimbursement from the third party.) p. 4

Procédure de sinistre

  1. Inform us of any hospital treatment by telephone on (+352) 42 64 64 611 or by e-mail at assistance@dkv.lu. (délai : Within three days of undergoing treatment) p. 3
  2. Send the original invoices, with proof of payment, to your statutory health insurance provider. p. 3
  3. Send us copies of the same invoices, with proof of reimbursement from the compulsory health insurance, indicating your insurance number. If the compulsory health insurance does not contribute to the costs, send the original documents. p. 3
  4. All invoices submitted must include: a) The surname and first name of the person treated; b) The name of the illness (diagnosis). If the doctor refuses to indicate the name of the illness, we may make our services conditional on a medical examination as provided for in Article 13, §1, g); c) The name and address of the doctor; d) The various medical treatments received, including their dates. p. 4
  5. a) Prescriptions must clearly specify the prescribed medication and its price, and the corresponding invoices must have been paid. b) Prescriptions must be sent to us with the doctor's invoice, and invoices for therapies and medical devices with the prescription. c) For dental care as referred to in Article 11.3, the invoice must include the designation of the teeth treated and the services provided. p. 4
  6. a) The supporting documents and evidence provided become our property; b) We are authorised to pay benefits to the insured person who sends us the required supporting documents, even if they are not the policyholder; c) Claims for insurance benefits cannot be assigned or pledged. p. 4
  7. Claims should be sent to us in writing, either by post to DKV Luxembourg S.A. | 11-13, rue Jean Fischbach | L-3372 Leudelange, or by e-mail to info@dkv.lu. Insurance agents are not authorised to receive your requests. p. 4

Durée & résiliation

  • Durée : The cover must be taken out for a minimum stay abroad per person of seven (7) days, even if the stay is shorter. The maximum duration of the cover is fifty-six (56) days (Art. 5). Your insurance cover takes effect on the date you specify when you take out the policy; the date is shown on your insurance policy. However, the cover will only take effect if: a) The insurance contract was validly concluded before your stay abroad, and; b) You have paid your premium, and; c) Your stay abroad has begun (Art. 6). Your cover ends on the day following the end date of cover stated in your insurance policy, or the last day of your stay abroad, or the day of your death (Art. 7).
  • Modalité : Claims should be sent to us in writing, either by post to DKV Luxembourg S.A. | 11-13, rue Jean Fischbach | L-3372 Leudelange, or by e-mail to info@dkv.lu (Art. 21)
  • Droit spécial : In the event of an illness or accident that makes your repatriation impossible on the expiry date of the cover, an extension of cover is granted to you, without any additional premium, for a period equal to the initial period, but with a maximum of twenty-eight (28) days (Art. 7)
  • Droit spécial : Where the cover ends on the last day of your stay abroad, no refund of premium or extension of the duration of the cover will be granted (Art. 7)
  • Droit spécial : In the event of your death, the cover continues to apply to any other insured persons indicated in the same insurance policy (Art. 7)
  • Droit spécial : We may terminate your insurance contract, without notice, if you have received or attempted to receive insurance benefits through deception and/or fraudulent means. This provision does not affect any other right of cancellation provided for by law or regulation. The right of cancellation expires, if it has not been exercised, at the end of a period of one month from the date on which we became aware of the facts justifying the cancellation (Art. 20)

Prescription

Any action arising from the insurance contract is time-barred on expiry of a period of three years, starting on the date of the event on which it is based. (Art. 19) p. 4

Prime

  • The premium is charged per day of cover. In accordance with Article 5, the minimum cover period is seven (7) days.
  • a) From zero to sixty-nine years (0 to 69 years): two euro (EUR 2.00) per person per day, including insurance tax
  • b) from the age of seventy (70): eight euro (EUR 8.00) per person per day, including insurance tax
  • The age used to calculate the premium is obtained by deducting the year of birth from the year in which the insurance takes effect.
  • You can take out the insurance policy online. The insurance premium can be paid by credit card (Visa or MasterCard) or Payconiq. You can also take out the insurance policy online at our offices (go to the reception desk). Once we have received payment of the premium, you will automatically receive your insurance policy. (Art. 4)
  • Costs generated in a foreign currency are converted into euro at the exchange rate of the day on which the insured event occurred. (Art. 16)
  • We may deduct the following costs from the benefit we pay: a) The cost of transferring insurance benefits abroad; b) The cost of translations, with the exception of translations within the language area of the European Union. (Art. 17)

Conditions particulières

  • The policyholder must be « already a customer of at least one of the three companies of the LALUX Group (LA LUXEMBOURGEOISE Société Anonyme d'Assurances, LA LUXEMBOURGEOISE-VIE Société Anonyme d'Assurances or DKV Luxembourg S.A.) ». The contract therefore states, in its own words, that DKV Luxembourg S.A. is one of the three companies of the LALUX Group. p. 1
  • In the event of a request for payment of benefits, we reserve the right to appoint an external service provider on site to assess the relevance of the request. The service provider will be entitled to contact the designated doctor on site so as to find, in agreement with the latter, the most appropriate solution. We are solely responsible for choosing the means of transport in the event of an illness/accident. The provider is NOT named. p. 2
  • If a currency other than euro (EUR) is used, conversion into euro (EUR) will be made using the official exchange rate applicable on the day of the insured event. (Art. 11) p. 2
  • The courts of the Grand Duchy of Luxembourg have exclusive jurisdiction over any dispute arising from the insurance contract. The insurance contract is governed by Luxembourg law. p. 4
  • DKV Luxembourg acts in accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, applicable since 25 May 2018. The privacy statement can be consulted at the following URL: https://www.dkv.lu/en/data-protection p. 4
  • You can send your complaints/disputes in writing to DKV Luxembourg S.A., 11-13 rue Jean Fischbach, L-3372 Leudelange. You can also send your complaints/disputes to the following authorities: Commissariat aux Assurances, 11, rue Robert Stumper, L-2557 Luxembourg; Union Luxembourgeoise des Consommateurs, 55, rue des Bruyères, L-1274 Howald; Association des Compagnies d'Assurances et de Réassurances, 12, rue Erasme, L-1468 Luxembourg. p. 4
  • I declare that I have read the GTC and agree to them. (final line of the document) p. 4

Lacunes d'extraction

  • PORTEUR DU RISQUE : DKV Luxembourg S.A. Le contrat le dit lui-même par une définition, pas par un en-tête : « “We” (our): DKV Luxembourg S.A; » (art. 1er). Le pronom ainsi défini est le sujet de tous les verbes de portage du contrat — « We offer you insurance cover » (art. 2), « we will reimburse you » (art. 2), « What benefits do we provide? » (art. 11), « We do not pay benefits for » (art. 12). L'adresse postale complète est imprimée à l'article 21 : « DKV Luxembourg S.A. | 11-13, rue Jean Fischbach | L-3372 Leudelange ». Ce document n'imprime PAS de numéro R.C.S. (contrairement aux CG BUSINESS TRAVEL allemandes et à la page de contact des CG maladie), ni la forme « Société Anonyme d'Assurances » pour DKV — cette forme n'y apparaît que pour les deux AUTRES sociétés du groupe.
  • PIÈGE INVERSE DE LA RAISON SOCIALE, À CONNAÎTRE POUR CE DOCUMENT : les seules dénominations portant une forme juridique développée sont « LA LUXEMBOURGEOISE Société Anonyme d'Assurances » et « LA LUXEMBOURGEOISE-VIE Société Anonyme d'Assurances ». Ni l'une ni l'autre ne porte le risque ici : elles sont citées uniquement comme les deux autres sociétés du groupe LALUX dont la qualité de client ouvre l'éligibilité. Une heuristique « nom + forme juridique » désignerait donc LA LUXEMBOURGEOISE — c'est exactement l'erreur que la spécification décrit, et elle aurait ici l'apparence d'une extraction réussie.
  • APPARTENANCE AU GROUPE, ÉNONCÉE PAR LE CONTRAT : « at least one of the three companies of the LALUX Group (LA LUXEMBOURGEOISE Société Anonyme d'Assurances, LA LUXEMBOURGEOISE-VIE Société Anonyme d'Assurances or DKV Luxembourg S.A.) ». DKV Luxembourg S.A. est donc, selon ses propres conditions générales, l'une des trois sociétés du groupe LALUX — la troisième aux côtés de la non-vie et de la vie. Fait relevé tel qu'imprimé.
  • edition_date et reference lus DANS le document : « GCI TRAVEL 03|2025 », imprimé dans l'en-tête courant des quatre pages. Ils concordent ici avec le nom de fichier (CG_TRAVEL_EN_03_2025.pdf) — contrôle explicite, car le fichier frère CGA_BUSINESS_TRAVEL_2025_DE.pdf du même assureur imprime 04|2017 et ment donc de huit ans. La concordance a été vérifiée sur CE fichier, pas supposée.
  • target_audience = particuliers, sur la formule explicite « Any natural person who is already a customer… » (art. 1.1). La condition d'éligibilité complète (client du groupe LALUX, résidence au Luxembourg ou pays limitrophe, affiliation à un régime légal d'assurance maladie) ne tient pas dans l'énumération : elle est conservée verbatim dans target_audience_note.
  • INVERSION DE RUBRIQUE, DANS LES DEUX SENS, CONSERVÉE TELLE QUELLE. (a) Des EXCLUSIONS sont imprimées dans les articles de GARANTIE : art. 11.1 b) produits non considérés comme médicaments ; 11.1 c) suppléments à domicile, saunas, bains thermaux, homéopathe/ostéopathe/chiropracteur ; 11.1 d) produits optiques et prothèses auditives ; 11.5 autres frais d'inhumation et bagages du défunt. Elles sont enregistrées en exclusions, avec applies_to pointant la garantie concernée, leur page réelle, et la mention explicite qu'elles sont imprimées dans un article de garantie. (b) À l'inverse, des GARANTIES sont imprimées dans la liste d'exclusions de l'article 12 : p) « However, the following are covered: treatment following acute pregnancy complications… » ; r) « However, care made necessary during a temporary stay… is covered » ; t) « However, material expenses justified on the basis of the scale are reimbursed ». Conservées dans l'exclusion où le document les imprime, sans réparation.
  • PORTÉE DU PLAFOND DE 150 000 EUR, À LIRE AVEC PRÉCAUTION : la phrase de l'article 11 dit « The various categories of costs covered by the guarantee are set out in Articles 11.1 to 11.4, up to a maximum total amount of one hundred and fifty thousand euro (EUR 150,000) … per person and per insured stay ». Elle nomme 11.1 À 11.4 — l'article 11.5 (Repatriation) EXISTE et n'est PAS cité dans cette énumération. Le contrat ne dit ni que 11.5 est inclus dans le plafond, ni qu'il en est exclu. Le fait est signalé dans les limits des garanties 11.5 plutôt que tranché.
  • Numérotation de l'éditeur, conservée sans correction : les sous-articles vont de 11.1 à 11.5, mais les quatre premiers sont titrés « 11.1 Outpatient treatment », « 11.2 Hospitalisation », « 11.3 Dental treatment », « 11.4 Additional services » avec un nombre variable d'espaces après le numéro, et le cinquième « 11.5 Repatriation ». Par ailleurs l'article 13 §1 g) est cité depuis l'article 14 sous la forme « Article 13, §1, g) » : renvoi interne à un article, pas à une page PDF, conservé verbatim.
  • Marqueurs : ce document emploie DEUX familles de puces dans le calque texte. Les définitions de l'article 1er utilisent la flèche U+27A2 « ➢ » (4 occurrences), tandis que les trois autorités de réclamation de l'article 24 utilisent un glyphe Wingdings de la ZONE À USAGE PRIVÉ, U+F09E (3 occurrences, page 4). Ces derniers ne sont ni des espaces ni de la ponctuation, aucun normaliseur ne les supprime, et une citation dont la tranche en traverserait un échouerait silencieusement. Toutes les key_quotes ont été découpées programmatiquement en évitant ces glyphes. Le reste du contrat est numéroté a), b), c)… en texte ordinaire.
  • Comptes de l'article 12 : 26 alinéas lettrés a) à z), tous repris individuellement, plus 2 alinéas finaux non lettrés (réduction en cas de dépassement du médicalement nécessaire ; subsidiarité aux régimes légaux obligatoires) également repris. S'y ajoutent 3 exclusions de l'article 9 et 3, et 5 exclusions imprimées à l'intérieur des articles de garantie : 36 exclusions au total.
  • Mise en page : document à UNE seule colonne de prose sur les quatre pages, sans tableau. Contrôle d'inversion de colonnes : NÉGATIF, effectué sur ce document ; l'ordre des articles 1 à 24 est continu et conforme à l'impression. Un seul artefact de rendu, sans conséquence : l'adresse du Commissariat aux Assurances de l'article 24 sort mot à mot sur des lignes séparées (« Commissariat \naux \nAssurances, \n11, \nrue … »). Le contenu est intact ; les citations évitent cette zone.
  • Le glyphe € est ABSENT de ce document : tous les montants sont écrits en toutes lettres SUIVIS du code alphabétique, « one hundred and fifty thousand euro (EUR 150,000) », « two euro (EUR 2.00) », « eight euro (EUR 8.00) », « (EUR 250) », « (EUR 5,000) », « (EUR 1,000) ». Contrôle effectué : ce n'est pas une perte d'extraction, l'éditeur n'emploie pas le symbole. Montants reportés verbatim, séparateur de milliers par virgule tel qu'imprimé.
  • Ce document est le SEUL du lot DKV à chiffrer une prime : deux euros (EUR 2.00) par personne et par jour de 0 à 69 ans, huit euros (EUR 8.00) à partir de 70 ans, taxe d'assurance comprise. Conservé dans premium en tant que mécanisme tarifaire imprimé au contrat, et non comme un devis.
  • deductibles : null — aucune franchise n'est prévue. waiting_periods vide : aucun délai de carence n'est stipulé ; c'est une absence constatée sur un contrat de voyage à souscription journalière, pas une lacune d'extraction.
  • Convention de nommage des garanties : « : ». Les chaînes sont verbatim ; le séparateur « : » est ajouté par l'extraction, le schéma n'ayant pas de champ pour la rubrique de regroupement.
  • Divergence de langue à signaler pour la lecture croisée : ce contrat TRAVEL 03|2025 (en) et le contrat BUSINESS TRAVEL 04|2017 (de) sont deux PRODUITS DIFFÉRENTS, pas deux versions linguistiques l'un de l'autre — preneur personne physique contre personne morale, 56 jours contre 250 jours-voyage, sous-limite cercueil de 1 000 EUR contre 1 500 EUR, prime chiffrée contre prime non chiffrée. Rien n'a été complété d'un document à l'autre.

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