Corporate Travel EN

Résumé

Corporate Travel is a group business-travel insurance underwritten by Foyer Global Health S.A. (Luxembourg), subscribed by a company (the Policyholder) under a Group Contract for the benefit of its employees travelling on Business trips, with accompanying partner and children optionally insurable. Cover applies worldwide and is organised in eight sections — Medical Travel, Domestic Travel, Travel Delay, Personal Liability, Travel Cancellation and Curtailment, Replacement Employee, Travel Accident (Death and Disability) and Luggage Loss and Delay — sold in five Plans (Essential, Classic, Care, Plus, Premium) with different sums insured. The maximum continuous trip duration is 180 days per trip unless the Group Contract provides otherwise, no waiting periods apply, and the policy is governed by Luxembourg law.

• Assureur : Foyer Global Health · Branche : Voyage et assistance · Type : Conditions générales · Édition : 10.24

Définitions

Terme	Définition	Page
Abroad	Abroad is to be understood as a country in which the Insured Person do not have its permanent place of residence.	p. 34
Actions of higher authority	Actions of higher authority are measures taken by the authorities, examples of this are: Confiscation of exotic souvenirs by the customs authority or refusal of entry if the required entry documents are missing.	p. 34
Accident	Accident means a sudden, single, unforeseen, and unexpected external physical event happening by chance that could not have been expected and which results in the Insured Persons suffering death, disablement, or Injury. An Accident must occur during the Insurance Period and after the Effective Date of cover for the Insured Person.	p. 34
Benefit	The reimbursement of costs and expenses by the Insurer to the Insured Person subsequent to a Claim covered by the Insurance Policy.	p. 34
Business trip	A Business trip consists in the Insured Person’s temporary professional absence, arranged by the Insured Person’s employer, away from its permanent place of residence or regular place of work. Journeys to the permanent residence or the regular place of work and between these places are not deemed to be Business trips. Journeys to work at primarily different locations (change in place of work), as well as work in the field, are likewise not deemed to be Business trips.	p. 34
Corporate travel	Corporate travel consists in the Insured Person’s temporary professional absence away from its permanent place of residence or regular place of work to the extent the Insured Person are an independent professional, a managing director, board member or other person not subject to instructions from a Policyholder. Journeys to the permanent place of residence or the regular place of work and between these places are not deemed to be corporate travel. Journeys to work at primarily different locations (change in place of work), as well as work in the field, are likewise not deemed to be corporate travel. The term “Business trip” is deemed to include corporate travel for purposes of these terms and conditions for insurance.	p. 34
Carer	Carers are people who care for the Insured Person’s accompanying or non-accompanying Relatives, who are underage or are in need of care, e.g. au pair.	p. 34
Check-up	Check-ups are regular medical examinations carried out to determine the state of health of the patient. E. g. measuring the blood sugar level in case of diabetes. They are not carried out for a specific purpose or for treatment.	p. 34
Claim	Request for the payment of Benefits that is addressed to the Insurer following the occurrence of an Insured Event.	p. 34
Commencement / Start of the Business trip	For the purpose of the Travel Cancellation Insurance and the Curtailment Insurance, the Business trip is deemed to have commenced once the first booked travel service begins. A Business trip is deemed to commence under the Travel Cancellation Insurance in particular: for a flight: with check-in, if the traveler checks in on the previous evening, when he / she goes through the security check on the day of travel; for a journey by sea: with check-in on the ship; for a bus trip: when the traveler enters the bus; for a rail trip: when the traveler enters the train; for a trip by rental car: with acceptance of a rental car; when travelling with one’s own car: when the first booked travel service commences, e.g., Hotel check-in — is a transfer service a fixed element of the entire trip? The trip then begins when the transfer commences (entering the transfer vehicle). For the purpose of all other types of travel insurances, the Business trip commences when the Insured Person leaves its home or regular place of employment.	p. 34
Current value	The Current value is the sum generally required to purchase new items of the same kind and quality. The Insurer will deduct an amount representing the condition of the item (age, wear, usage, etc.). from this sum.	p. 34
Declaration of Intent	Any unilateral act carried out by a concerned party with a view to producing legal effects, such as, but not limited to, a proposal to conclude a contract, the acceptance of such proposal, or a notification of termination of the contract.	p. 35
Doctor	A Doctor is a medical professional (general practitioner or specialist) or holder of a medical diploma who has statutory approbation and is licensed to practice medicine in the country in which treatment is provided. The Insured Person is free to choose any Doctor meeting these criteria.	p. 35
Domestic	Domestic is to be understood as a country in which the Insured Person has their permanent place of residence.	p. 35
Effective Date	Date on which the Insurance Policy and the cover (“garantie”) and Benefits provided for therein enter into effect, i.e. the date and time indicated in the Insurance Certificate or the date of the payment of the first insurance premium, whichever is later, without prejudice to any applicable waiting periods.	p. 35
Extreme sports	Extreme sports and high-risk sporting activities encompass any form of sport or athletic pursuit characterized by a heightened level of inherent danger. This includes activities demanding advanced expertise, extraordinary physical exertion, specialized equipment, performance of daring stunts and activities in which the Insured Person has signed a liability waiver. Includes, but is not limited to: abseiling, mountaineering (apart from indoor climbing and low mountain areas) and racing of any kind; bobsleigh, luge, skeleton, off-piste skiing, and off-piste snowboarding; bungee and cliff jumping; combative sports; downhill mountain biking and cross-country cycling; extreme tourism (e.g. tours to Antarctica); horseback hunting, horse jumping, polo, steeple chasing, or any form of horse racing; motorcycle sports, including motorcycle riding and quad biking; microlight flying, ballooning, hang gliding, paragliding, parascending, and parachute jumping; solo caving (potholing) or cave diving, scuba diving beyond 10 meters, high diving, white water rafting, and canyoning; ultra marathons or activities similar in nature.	p. 35
Foreign Office	Public office that publishes extensive travel information on all countries in the world (e.g., travel and safety information, travel warnings).	p. 35
Group Contract	The group contract for the Corporate Travel insurance plan concluded between the Insurer and the Policyholder.	p. 35
Gross negligence	The willful or reckless disregard for the duty of care and complete disregard for the safety and well-being of others (faute lourde).	p. 35
Glossary	The present glossary of defined terms, which forms an integral part of the GTCs.	p. 35
GTCs	The current General Terms and Conditions of Insurance for corporate travel.	p. 35
Holiday	Personal vacation taken by an Insured Person before, during and/or Immediately after a Business trip.	p. 35
Immediately	Without culpable delay.	p. 35
Incidental Private Travel	Travel which is private and taken either side of or during an authorized Business trip.	p. 35
Insurance Certificate	The insurance certificate issued (on a case-to-case basis and on demand) to the attention of the Policyholder and the Insured Person and confirming the scope and the Effective Date of the insurance cover provided under the Insurance Policy.	p. 35
Insurance Period	The period specified in the Group Contract, during which the insurance cover granted under the Insurance Policy applies.	p. 36
Insured Person	The person designated and registered in accordance with the Group Contract as the person who is insured under the Insurance Policy.	p. 36
Insurance Policy	The contractual framework for corporate travel insurance constituted by the GTCs, together with the present Glossary, the Group Contract, the Insurance Certificate, and any subsequent written agreements between the Insurer, the Policyholder and, where relevant, the Insured Person.	p. 36
Insurer	Foyer Global Health S.A., a health insurance company established in Luxembourg under the form of a public limited liability company (société anonyme) having its registered office at 12, Rue Léon Laval L-3372 Leudelange, registered under no. B134.471 in the Luxembourg Trade and Companies Register, supervised by the Commissariat aux Assurances (11, rue Robert Stumper, L-2557 Luxembourg; +352226911-1; caa@caa.lu).	p. 36
Increased risk	A perceptible and lasting increase in the risk insured under the Insurance Policy.	p. 36
Insured Event	An Insured Event is an occurrence that causes an accident, sickness, financial loss, expense, or liability for the Insured Person and is described in the Insured Person’s Group Contract as being covered and as giving rise to a Claim under the Insurance Policy. For medical treatments, the Insured Event commences with the treatment and ends when medical findings indicate that treatment is no longer required.	p. 36
Medically necessary / Medically necessary treatment	Medically necessary are all appropriate medical measures and medicines, based on internationally approved medical standards at the respective time and location, which are used to diagnose, treat, heal, or relieve the disease condition, illness or injury and are recognized as appropriate by the Insurer. These measures must be: a) carried out in a health care facility authorized and licensed by the authorities in the country of treatment; b) the most appropriate considering both patient safety and cost effectiveness; c) consistent with the diagnosis, symptoms, or treatment of the underlying condition; d) clinically appropriate, in terms of type, frequency, extent, site, and duration, and considered effective for the patient’s illness, injury, or disease; e) not required purely for comfort or convenience of the patient, medical providers, therapists, or Doctors; f) not for clinical trial, experimental, investigational, or cosmetic purposes (see No 6); g) not for screening and preventive care purposes.	p. 36
Medical Cancellation Advisory Team	The Insurer’s Medical Cancellation Advisory Team, that evaluates the medical condition and assists the Insured Person in determining if and when to cancel their Business trip.	p. 36
Natural events	Natural events are explosions, storms, hail, lightning, high water levels, flooding, avalanches, volcanic eruptions, earthquakes, and landslides.	p. 36
Plan	The insurance plan agreed with the Policyholder and Insured Person, which defines the extent of the cover provided under the Insurance Policy.	p. 36
Policyholder	The person who enters into the Insurance Policy with the Insurer.	p. 36
Pandemic	A Pandemic exists if an infectious disease breaks out on large parts of a continent or on several continents. This must be established by the World Health Organization.	p. 36
Public transportation	Public transportation relates to all vehicles licensed for public conveyance of passengers by air, land, and sea. Vehicles used for tours / air tours, hire cars, taxis and cruise ships are not deemed Public transport.	p. 36
Rebooking fees	Rebooking fees are fees charged by the Insured Person’s tour operator / contract partner for changes made to the destination or travel dates of its trip.	p. 37
Related Person	Related Persons include: a) the Insured Person’s Relatives and the Relatives of the Insured Person’s partner; b) Caregivers responsible for looking after the Insured Person’s accompanying or non-accompanying Relatives who are underage or require care; c) a co-worker who typically acts as a substitute for the Insured Person or for whom the Insured Person usually substitutes; d) the owner of the Policyholder and members of the Policyholder’s management.	p. 37
Relatives	Relatives are: A) The Insured Person’s spouse or civil partner, its partner living in cohabitation. B) The Insured Person’s children, parents, adopted children, adoptive parents, foster children, foster parents, stepchildren, stepparents, grandparents, siblings, grandchildren, aunts, uncles, nieces, nephews, parents-in-law, children- in-law, brothers-in-law, and sisters-in-law.	p. 37
Sports equipment	Sports equipment refers to all items required to do a sport including accessories.	p. 37
Start / Commencement of the Business trip	See “Commencement / Start of the Business trip”.	p. 37
Travel location	Travel locations are deemed to include all locations the Insured Person visits in the course of a Business trip. In addition, all connecting routes between Travel locations and back to its permanent place of residence or its regular place of employment are included.	p. 37
Travel services	Travel services are deemed to be, for example, booked hotel rooms, a flight, a journey by sea, a bus or rail trip.	p. 37
Insured Person (section II. 1)	The Insured Person is an individual in whose favor the Policyholder has concluded the Group Contract. Insured Persons are either named in the Insurance Policy or belong to the group of persons described in such policy. Insured Persons have the insurance cover.	p. 4
Policyholder (section II. 2)	The Policyholder is the company with whom the Insurer has concluded the Group Contract. The Policyholder is named in the Group Contract.	p. 4
Related Persons (section E. 5)	Related Persons for the Insured Person include: 5.1 The Insured Person’s Relatives and the Relatives of their partner. 5.2 Caregivers responsible for looking after the Insured Person’s accompanying or non-accompanying Relatives who are underage or require care. 5.3 A co-worker who typically acts as a substitute for the Insured Person or for whom the Insured Person usually substitutes. 5.4 The owner of the company and members of the company’s management.	p. 17
Disability (section G. 2.1)	Disability exists if the Insured Person’s physical and mental capacity is impaired permanently as a result of the Accident. An impairment is permanent if it is likely to exist for more than three years. Furthermore, no change to the condition can be expected.	p. 21
Luggage (section H. 1.2)	Luggage includes: A) The Insured Person’s personal travel requisites for the respective Business trip. Laptop Computers (including accessories or attachments that come as standard equipment with the laptop), mobile phones and tablets. B) Presents. C) Souvenirs. D) Sports equipment.	p. 24

Garanties

Insurance cover for Business trips (worldwide) - p. 4

The Insured Person has insurance cover for any number of Business trips taken during the term of the Insurance Policy provided that the maximum trip duration and maximum total number of travel days by company employees, as specified under sections I. 3 and 4, are complied with. The amount of insurance Benefit per Insured Event shall be limited to the amount of damage arising as a result of the Insured Event and to the sum insured. - Optionnelle : non · Portée : “The insurance cover provided under the Insurance Policy applies worldwide.” (section I. 5, page 3) - Condition : Maximum continuous duration of a journey: up to 180 days on a per trip basis unless otherwise explicitly specified in the Group Contract (section I. 3, page 3). - Condition : The permissible maximum total number of travel days by company staff per year is agreed between the Insurer and the Policyholder and specified in the Group Contract (section I. 4, page 3). - Condition : All employees of a Policyholder travelling on Business trips are eligible as Insured Persons; the marital or non-marital partner and children accompanying the Insured Person may also be insured (section I. 1, page 3).

Incidental Private Travel (Holidays during a Business trip) - p. 4

Incidental Private Travel Insurance coverage will be granted up to 6 days to Insured Persons that qualify as members of the senior management (director and above), provided the senior management is covered under this Group Contract. - Optionnelle : non · Limite : up to 6 days - Condition : Reserved to Insured Persons that qualify as members of the senior management (director and above). - Condition : The senior management must be covered under the Group Contract.

A. Medical Travel Insurance (section total) - p. 9

Medical travel cover including Emergency Medical Assistance, Evacuation and/or Repatriation/Burial, Emergency dental treatment, Travel expenses of a relative in the event of an inpatient stay, Childcare, Hospital daily allowance. - Optionnelle : non · Portée : Abroad (“a country in which the Insured Person do not have its permanent place of residence”) · Limite : Essential: Unlimited; Classic: Unlimited; Care: Unlimited; Plus: Unlimited; Premium: Unlimited · Franchise : Deductible / Co-Payment: EUR 100 for each insured event (Appendix 1, page 38) - Condition : Marked “covered/paid in full” in all five Plans (Essential, Classic, Care, Plus, Premium). Plan membership read from the Overview of Scope of Benefits table on page 9; the ticks and crosses are vector drawings and carry no text (see gaps).

Medical treatment Abroad - p. 10

In case the Insured Person becomes ill during a covered Business trip or has an Accident, the Insurer will pay the costs for medical treatment Abroad. Medically necessary treatment, which is performed or prescribed by Doctors, is covered; it must be recognized by conventional medicine. Alternative treatments are covered if no conventional methods or medicines are available. - Optionnelle : non - Condition : If a treatment or another measure exceeds what is Medically necessary the Insurer can reduce the payment to a reasonable amount; fees and charges invoiced may not exceed the amount generally deemed customary and reasonable in the relevant country, otherwise the Insurer can reduce the reimbursement to the standard rates applicable in the country (section A. 2.3).

In-patient treatment in the hospital including surgery - p. 10

In-patient treatment in the hospital including surgery. - Optionnelle : non · Limite : Paid in full (Appendix 1, page 38)

Outpatient treatment - p. 10

Outpatient treatment. - Optionnelle : non · Limite : Paid in full (Appendix 1, page 38)

Drugs, medicines, and bandages - p. 10

Drugs, medicines, and bandages. - Optionnelle : non · Limite : Appendix 1 (page 38) shows a merged cell “Combined limit up to EUR 1,000*” spanning “Drugs, medicines and bandages” and “Pain-relieving dental treatments including basic dental fillings”. The body text (section A. 2.2) attaches the combined € 1,000 limit to D) and E) instead — see gaps.

Pain-relieving dental treatment including basic dental fillings - p. 10

Pain-relieving dental treatment including basic dental fillings: The Insurer will reimburse a combined limit for D) and E) up to € 1,000 for each Insured Event. - Optionnelle : non · Limite : combined limit for D) and E) up to € 1,000 for each Insured Event

Repair of existing dentures and existing dental-prostheses - p. 11

Repair of existing dentures and existing dental-prostheses: The Insurer will reimburse a combined limit for D) and E) up to € 1,000 for each Insured Event. - Optionnelle : non · Limite : Body text (page 11): combined limit for D) and E) up to € 1,000 for each Insured Event. Appendix 1 (page 38): “Paid in full”. The two readings conflict — see gaps.

Temporary dentures or temporary dental prostheses after an Accident - p. 11

Temporary dentures or temporary dental prostheses after an Accident. - Optionnelle : non

Pacemakers and prostheses - p. 11

Pacemakers and prostheses: If they become necessary for the first time during the trip and are required to ensure that the Insured Person can be transported. - Optionnelle : non · Limite : Paid in full, if they are required to ensure that you can be transported (Appendix 1, page 38) - Condition : They must become necessary for the first time during the trip. - Condition : They must be required to ensure that the Insured Person can be transported.

Aids - p. 11

Aids, which become necessary for the first time during the trip, e.g., Zimmer frames, rental of a wheelchair. - Optionnelle : non · Limite : Paid in full (Appendix 1, page 38) - Condition : Must become necessary for the first time during the trip / stay.

Treatment by a chiropractor or alternative therapist - p. 11

Costs of treatment by a chiropractor or alternative therapist for up to 10 visits. The Insurer assumes up to € 1,500 per Insured Person and insurance year. - Optionnelle : non · Limite : up to 10 visits and EUR 1,500 per person and per insurance year*

Telephone costs to call the Emergency Hotline - p. 11

In case the Insured Person has to contact the Emergency Hotline, the Insurer will reimburse the telephone costs up to € 25 for each Insured Event. - Optionnelle : non · Limite : up to € 25 for each Insured Event

Pregnancy complications and related treatment Abroad - p. 11

The Insurer will pay for the costs incurred Abroad for: A) Medical treatment of complications related to pregnancy if they arise during the insured trip. B) Termination of pregnancy on medical grounds. C) Premature births up to and including the 36th week of pregnancy. D) Miscarriages up to and including the 36th week of pregnancy. E) Medical treatment for the Insured Person’s newborn child in the event of a premature birth up to and including the 36th week of pregnancy. - Optionnelle : non · Limite : Appendix 1 (page 38) marks “Medical treatments for complications of existing pregnancy” and “Premature births up to and including the 36th week of pregnancy including medical treatment for newborn child” with “L” (“Caution: Limited benefits!”)

Pregnancy occurring during the Business trip - p. 11

In case the Insured Person becomes pregnant during the Business trip, the Insurer will pay for the costs incurred Abroad for: A) Maximum five medical Check-ups. B) Two ultrasound scans (additional scans if Medically necessary due to special circumstances). C) Medical treatment of pregnancy complications. D) In-patient or outpatient delivery of the baby, including the additional costs of a caesarean if medically necessary. E) Termination of pregnancy on medical grounds. F) Obstetricians and midwives. G) Postnatal care for mothers and the newborn baby. - Optionnelle : non · Limite : Appendix 1 (page 38) marks “Pregnancy during business trip” with “L” (“Caution: Limited benefits!”) - Sous-limite : Maximum five medical Check-ups - Sous-limite : Two ultrasound scans

Psychological treatment after a trauma - p. 11

In case the Insured Person experiences a psychological trauma triggered by an event that occurs during the Business trip, the Insurer will reimburse the costs of psychological treatment. Treatment must be provided by a psychologist or psychiatrist authorized to practice in the country in which the Insured Person is staying. - Optionnelle : non · Limite : a maximum of 10 sessions per Insured Event, limited to a maximum of € 1,500 - Condition : The Insured Person must commence treatment within six months of the event causing the trauma.

Hospital daily Benefit - p. 11

In case the Insured Person does not want the Insurer to pay the in-patient medical treatment costs, the Insurer will offer a hospital daily Benefit of € 100 per day, for a maximum of 30 days from the start of the in-patient treatment. - Optionnelle : non · Limite : € 100 per day, maximum 30 days from the start of the in-patient treatment - Condition : The Insured Person has to inform the Insurer of its choice at the beginning of the treatment.

Accommodation of a person accompanying a hospitalised child - p. 11

In case an under-age child travelling on the trip has to be treated as an in-patient, the Insurer will pay the costs for the accommodation of a person to accompany the child while he/she is in the hospital. - Optionnelle : non · Limite : Paid in full (Appendix 1, page 38)

Treatment costs when the Insured Person cannot be transported at the end of the trip - p. 12

In case the Insured Person is not able to be transported at the end of a trip, the Insurer will pay the costs of treatment until the day on which the Insured Person can be transported. - Optionnelle : non · Limite : for a maximum of up to a year from the date of the incident

Return transport of the patient and luggage from Abroad - p. 12

The Insurer will organize return transport for the Insured Person with medically adequate means of transport if it is medically reasonable and justifiable, and will pay the costs for repatriation to the Insured Person’s place of residence or to a suitable hospital nearest to its place of residence. The Insurer will bring the Insured Person’s luggage back to their place of residence if a return transport was organized. - Optionnelle : non · Limite : Paid in full (Appendix 1, page 38)

Ambulance service - p. 12

The Insurer will refund the costs for the Insured Person’s medically required ambulance service in a suitable hospital Abroad: A) For in-patient treatment. B) For initial outpatient treatment. - Optionnelle : non · Limite : Paid in full (Appendix 1, page 38)

Repatriation of mortal remains or burial Abroad - p. 12

At the request of the Insured Person’s Relatives, the Insurer will organize the repatriation to the Insured Person’s last place of residence prior to the Start of the Business trip and will pay these costs. Alternatively, the Insurer will organize the burial Abroad and pay the burial costs up to the amount of the repatriation costs. The Insurer will bring the Insured Person’s luggage back to their last place of residence. - Optionnelle : non · Limite : burial up to the amount of the repatriation costs

Advice on medical care or medicines - p. 12

In case the Insured Person has questions before or during the Business trip about medical care Abroad, the Insurer will inform the Insured Person about the options available for medical care and, if possible, give the name and contact details of a Doctor. The Insurer will give advice on medicines and vaccinations necessary during the Business trip and on substitute medicinal products if medicines required during the Business trip are lost. - Optionnelle : non · Limite : Paid in full (Appendix 1, page 38)

Help in the case of hospitalization - p. 12

A Doctor appointed by the Insurer will establish contact with the hospital Doctors giving treatment; if necessary the Insurer will consult the Insured Person’s Doctor and ensures that information is passed on between the Doctors involved, subject to the applicable professional secrecy obligations. If the Insured Person wishes, the Insurer will inform the Insured Person’s Relatives. - Optionnelle : non · Limite : Paid in full (Appendix 1, page 38)

Journey of a person close to the Insured Person during a hospital stay of more than five days - p. 12

In case the Insured Person is expected to stay in hospital for more than five days, the Insurer will organize the journey of a person close to the Insured Person to the hospital and then back to its place of residence, and will pay the costs for the journey there and back (first class rail travel or economy class air ticket). - Optionnelle : non · Limite : first class rail travel or economy class air ticket - Condition : Expected hospital stay of more than five days.

Cost payment guarantee to the hospital - p. 12

The Insurer will give the hospital in which the Insured Person is being treated a guarantee to pay costs up to € 15,000 and will settle the charges with the hospital. If the costs are not covered by the insurance, any costs borne by the Insurer must be paid back within one month after invoicing. If the costs are covered by the insurance, the Insurer will increase the cost payment guarantee if required. - Optionnelle : non · Limite : up to € 15,000

Return journey for children or persons in need of care - p. 13

In case the Insured Person can no longer care for under-age children or persons in need of care during the Business trip due to illness, injury resulting from an Accident or death, the Insurer will organize the return journey for the children or the persons in need of care and will pay the additional costs. Alternatively, the Insurer will organize the journey of a person close to the Insured Person to the Travel location and back to the Insured Person’s permanent place of residence and pay the costs for the journey there and back. - Optionnelle : non · Limite : Paid in full (Appendix 1, page 38)

Search, rescue and recovery costs - p. 13

In case the Insured Person has an Accident and therefore there is a need for a search, rescue, or recovery operation, the Insurer will pay the costs for this. - Optionnelle : non · Limite : up to € 25,000

24-hour Emergency Hotline assistance - p. 10

In case the Insured Person has a medical emergency during a covered Business trip, the Insurer will provide assistance with its 24-hour Emergency Hotline. - Optionnelle : non

Pandemics - p. 10

Notwithstanding section IV.1, the Insurance Policy also covers Pandemics. - Optionnelle : non - Condition : Section IV. 1 (page 27) lists Pandemics among the damages that are not covered; section A. 1.3 states the Insurance Policy covers them notwithstanding that provision — see gaps.

B. Domestic Travel Insurance (section total) - p. 9

Travel within the country of residence. 50 km restriction applies. - Optionnelle : non · Portée : Domestic Business trips beyond 50 km from the usual place of residence of the Insured Person · Limite : Marked “covered/paid in full” in all five Plans (Essential, Classic, Care, Plus, Premium); no monetary plan limit is printed for this row. · Franchise : Deductible / Co-Payment: N.A. (Appendix 1, page 39) - Condition : Plan membership read from the Overview of Scope of Benefits table on page 9; the ticks and crosses are vector drawings and carry no text (see gaps).

Return transport of the patient and luggage (Domestic) - p. 13

Return transport of the patient and luggage in case of medical treatments. The Insurer will organize the Insured Person’s return transport with medically adequate means of transport if it is medically reasonable and justifiable, and will pay the costs for repatriation to the Insured Person’s place of residence or to a suitable hospital nearest to its place of residence. The Insurer will bring the Insured Person’s luggage back to its place of residence if a return transport was organized. - Optionnelle : non · Limite : Paid in full (Appendix 1, page 39)

Hospital daily Benefit (Domestic) - p. 13

The Insurer will pay a hospital daily Benefit amounting to € 100 per day, for a maximum of 30 days from the start of the in-patient treatment. - Optionnelle : non · Limite : EUR 100 per day for a maximum of 30 days*

Return of mortal remains and transfer of luggage (Domestic) - p. 13

At the request of the Insured Person’s Relatives, the Insurer will organize the return of mortal remains and the transfer of luggage to the last place of residence prior to the Start of the Business trip. - Optionnelle : non · Limite : Paid in full (Appendix 1, page 39)

C. Travel Delay Insurance (section total) - p. 9

The Insurer will reimburse the Insured Person for costs incurred due to the delay of Public transportation. - Optionnelle : non · Limite : Essential: not covered; Classic: € 1,500; Care: € 1,500; Plus: € 1,500; Premium: € 1,750 · Franchise : Deductible / Co-Payment: 20% of the refundable amount, at least EUR 25 per person (Appendix 1, page 39) - Condition : Marked “not covered” in the Essential Plan. Plan membership read from the Overview of Scope of Benefits table on page 9; the ticks and crosses are vector drawings and carry no text (see gaps). - Condition : Public transportation excludes vehicles used for tours / air tours, hire cars, taxis and cruise ships (Glossary, page 36).

Additional travel costs after a missed connection - p. 14

If a delay in Public transportation causes the Insured Person to miss a connection and must continue their Business trip after a delay, the Insurer will reimburse additional travel costs. Reimbursement will be made in accordance with the type and standard of the originally booked mode of transportation. - Optionnelle : non · Limite : up to €1,500 per person and per Insured Event

Meals and accommodation during a travel delay - p. 14

If the Insured Person’s onward travel is delayed due to a delay in Public transportation, the Insurer will reimburse verified expenses for necessary and reasonable expenses (such as meals and accommodation). - Optionnelle : non · Limite : up to a maximum of €150 per person and per Insured Event

D. Personal Liability Insurance (section total) - p. 9

Including Legal protection in the event of criminal prosecution, fees and court fees, legal fees in the event of imprisonment / imminent imprisonment, refundable deposit payment, assumption of costs for rental car deductible and cash advance in the event of lost or stolen means of payment. - Optionnelle : non · Limite : Essential: not covered; Classic: € 1,000,000; Care: € 1,500,000; Plus: € 2,000,000; Premium: € 2,500,000 · Franchise : Deductible / Co-payment: EUR 150 per event in case of damage to property (Appendix 1, page 39) - Condition : Marked “not covered” in the Essential Plan. Plan membership read from the Overview of Scope of Benefits table on page 9; the ticks and crosses are vector drawings and carry no text (see gaps).

Personal liability of the Insured Person as a private individual - p. 14

The Insurer will protect the Insured Person against personal liability risks during their Business trip, excluding liabilities related to professional activities. In cases where a third party makes a complaint against the Insured Person for personal injury or property damage, the Insurer will assess the extent of the Insured Person’s liability under statutory liability provisions in private law. The insurance covers the Insured Person’s legal liability as a private individual arising from everyday life risks, except for exclusions specified in section d. 2. - Optionnelle : non · Limite : Compensation for each Insured Event is limited to the specified sum according to the selected Plan, even if multiple individuals are liable for compensation. Multiple events leading to a complaint are considered one Insured Event if they stem from the same cause. - Condition : Obligations to pay compensation are justified if the Insured Person is obliged to pay compensation by virtue of a law, final judgement, admission, or settlement agreement. Any admission made without the Insurer’s consent is binding only if the complaint would have arisen regardless.

Defence against unjustified complaints - p. 15

If the Insurer deems complaints against the Insured Person unjustified, it will challenge them. The Insurer is authorized to make declarations on behalf of the Insured Person as deemed necessary to process or contest complaints. In legal disputes related to complaints for compensation, the Insurer has the right, but no obligation, to undertake legal proceedings instead of the Insured Person. - Optionnelle : non

Indemnification against valid complaints - p. 15

Upon determination of the Insured Person’s obligation to compensate with binding effect, the Insurer will promptly indemnify the Insured Person against valid complaints. - Optionnelle : non

Judicial and extrajudicial defence costs when a justified complaint exceeds the sum insured - p. 15

If a justified complaint for compensation exceeds the sum insured, the Insurer will cover the Insured Person’s expenses for judicial and extrajudicial defense against third-party complaints, including lawyer’s fees, expert’s fees, witness fees, and court fees, in proportion to the insured sum compared to the total complaint’s amount. - Optionnelle : non · Limite : in proportion to the insured sum compared to the total complaint’s amount

Damage to rented accommodation and hotel furniture, and loss of keys - p. 15

By exception to the exclusion of items hired, rented, leased or borrowed: damage to furniture in hotels, Holiday flats, Holiday homes, ship cabins, and similar accommodations is covered. Loss of keys for such accommodation is also insured, with the Insurer covering up to €5,000 for lock replacement. - Optionnelle : non · Limite : up to €5,000 for lock replacement - Condition : Complaints resulting from consequential damage due to lost keys are excluded (section d. 2.14, page 16).

E. Travel Cancellation and Curtailment Insurance (section total) - p. 9

Including travel delays, additional travel costs, non-use of booked services including accommodation, failure of means of transport and extended stay and substitute employee. - Optionnelle : non · Limite : Essential: not covered; Classic: € 2,500; Care: € 5,000; Plus: € 7,500; Premium: € 10,000 · Franchise : Deductible / Co-Payment: 20% of the refundable amount, at least EUR 25 per person (Appendix 1, page 39) - Condition : Marked “not covered” in the Essential Plan. Plan membership read from the Overview of Scope of Benefits table on page 9; the ticks and crosses are vector drawings and carry no text (see gaps). - Condition : Cover begins on the Effective Date, however not prior to booking a covered Business trip, and ends when the Business trip commences, at the latest upon the agreed end of the Group Contract (section II. 4.2, page 4).

Medical Cancellation Advisory Team service - p. 16

A Doctor from the Medical Cancellation Advisory Team of the Insurer, specialized in travel medicine, will advise the Insured Person and help decide whether and when the Business trip should be cancelled, in the following cases: the Insured Person falls ill after having booked its Business trip; the Insured Person has had an Accident; the Insured Person becomes pregnant; the Insured Person’s Doctor establishes that the Insured Person has immunization intolerance. - Optionnelle : non · Limite : Covered (Appendix 1, page 39) - Condition : If the Insured Person fails to cancel their trip despite advice from the Medical Cancellation Advisory Team, the Insured Person will personally bear the risk of any additional cancellation costs incurred.

Cancellation of the Business trip - p. 17

If the Insured Person has to cancel its Business trip, the Insurer will refund the contractually agreed cancellation costs — the costs which the Insured Person owes to the service provider (e.g., airline, hotel) if the Insured Person cancels its booked Business trip. - Optionnelle : non · Limite : Max. benefit limit of plan applies (Appendix 1, page 39) - Condition : The Insured Event affects the Insured Person or a Related Person. - Condition : This event was not expected at the time the insurance was taken out. - Condition : The Insured Person cancelled the Business trip because this event occurred. - Condition : Due to the event, the Insured Person cannot be expected to carry out its Business trip as scheduled.

Insured Events triggering cancellation - p. 17

The following events are covered as Insured Events if they cause the cancellation of a Business trip: unexpected serious illnesses (an illness is unexpected if it manifests for the first time after the booking); the unexpected deterioration of a pre-existing illness (provided there was no treatment in the last six months before booking; Check-ups are not treatment); mental illnesses deemed severe (outpatient psychotherapy approved by the statutory or private health insurance company, verification by a medical certificate from a specialist, in-patient treatment, or prolonged medication); death; a serious injury resulting from an Accident; a date to donate or receive organs and tissue as specified in the local law on transplantations; pregnancy; adoption of a minor child; immunization intolerance; breakage of prostheses excluding dental prostheses; loosening of implanted joints; significant property damage resulting from fire, burst pipes, natural disasters, or criminal activity by a third party (the Insured Person or a designated individual traveling with them must be present for the assessment of the loss); receipt of a court summons (unless attending the court date is a regular part of the Insured Person’s professional responsibilities); theft of the passport or identity card before the Business trip if a replacement document cannot be acquired promptly and the stolen document is essential for the Business trip. - Optionnelle : non

Delay of the start of the Business trip - p. 18

In case the Insured Person has to delay the start of its Business trip because the Insured Person or a Related Person has been affected by an Insured Event, the Insurer will pay the Insured Person’s verified additional costs of the outward journey (corresponding to the type and standard of the originally booked and insured outward journey) and the Insured Person’s unused Travel services less the costs of the outward journey. - Optionnelle : non · Limite : The Insurer will reimburse up to a maximum of the cancellation costs, which would have been due if the Business trip had been cancelled Immediately. Max. benefit limit of plan applies (Appendix 1, page 39)

Car breakdown or Accident before the Business trip - p. 18

If the Insured Person’s vehicle becomes inoperable due to an Accident or breakdown, causing a delay in the start of their Business trip, the Insurer will reimburse documented costs for unused Travel services or additional travel expenses, and will cover the expenses for a rental car in a comparable vehicle category. - Optionnelle : non · Limite : up to a maximum of €500 per person and per Insured Event for unused Travel services or additional travel expenses; up to €1,000 for the rental car - Condition : The motor vehicle will be considered the Insured Person’s vehicle if it is registered under the Insured Person’s name, or if the Insured Person is authorized to use a company car or leased vehicle.

Travel agency fees - p. 18

A contractually agreed travel agency fee is insured. The prerequisite is: the agency stipulated the agency fee already at the time the Business trip was booked, and it is included in the sum insured. The Insurer will reimburse the travel agency fee only if the Insured Person is entitled to a reimbursement of the cancellation costs. - Optionnelle : non · Limite : up to € 100 per person

Rebooking fees instead of cancellation - p. 18

If the Insured Person prefers to reschedule rather than cancel their Business trip, the Insurer will cover the Rebooking fees. The condition is that the Insured Person is entitled to reimbursement of the cancellation costs. - Optionnelle : non · Limite : up to the maximum amount of cancellation costs that would have been incurred if the Business trip had been canceled Immediately

Rebooking fees when the local business partner is unavailable - p. 18

If the Insured Person’s local business partner, with whom a meeting was scheduled, becomes unavailable resulting in a necessary delay of the business appointment, the Insurer will reimburse the Insured Person for contractually obligated Rebooking fees as well as verified additional costs for the Business trip. - Optionnelle : non · Limite : up to a maximum of €1,500

Fees for the issuance of a visa - p. 18

If the Insured Person is unable to start its Business trip for insured reasons, the Insurer will reimburse the Insured Person’s verified fees incurred for the issuance of a visa. This is only the case if the visa was applied for the Business trip concerned. - Optionnelle : non · Limite : Max. benefit limit of plan applies (Appendix 1, page 39)

Travel Curtailment — pro rata travel price for unused services - p. 39

Appendix 1 benefit row under “Travel Curtailment”: Pro rata travel price for unused services. - Optionnelle : non · Limite : Max. benefit limit of plan applies - Condition : This benefit appears only in the Appendix 1 benefits table; the body of section E has no “Travel Curtailment” chapter — see gaps.

Travel Curtailment — additional costs for return trip - p. 39

Appendix 1 benefit row under “Travel Curtailment”: Additional costs for return trip. - Optionnelle : non · Limite : Max. benefit limit of plan applies - Condition : Listed only in the Appendix 1 benefits table — see gaps.

Travel Curtailment — car breakdown or accident - p. 39

Appendix 1 benefit rows under “Travel Curtailment”: Car breakdown or accident for unused services or additional cost; Car breakdown or accident for hire car. - Optionnelle : non · Limite : Up to EUR 500/ for unused services or additional cost; Up to EUR 1,000/** for the hire car - Condition : Listed only in the Appendix 1 benefits table — see gaps.

Travel Curtailment — additional accommodation due to inpatient treatment - p. 39

Appendix 1 benefit row under “Travel Curtailment”: Additional accommodation due to inpatient treatment. - Optionnelle : non · Limite : Up to EUR 1,500/* - Condition : Listed only in the Appendix 1 benefits table — see gaps.

Travel Curtailment — additional accommodation due to outpatient treatment - p. 39

Appendix 1 benefit row under “Travel Curtailment”: Additional accommodation due to outpatient treatment. - Optionnelle : non · Limite : Up to EUR 1,500/* - Condition : Listed only in the Appendix 1 benefits table — see gaps.

Travel Curtailment — unused travel services in case of inpatient services - p. 40

Appendix 1 benefit row under “E. Travel Cancellation and Curtailment Insurance (cont.)”: Unused travel services in case of inpatient services. - Optionnelle : non · Limite : Pro rata travel prices which have not been used/* - Condition : Listed only in the Appendix 1 benefits table — see gaps.

Travel Curtailment — cost to reach the next destination - p. 40

Appendix 1 benefit row under “E. Travel Cancellation and Curtailment Insurance (cont.)”: Cost to reach the next destination. - Optionnelle : non · Limite : Up to the value of travel services not used yet/* - Condition : Listed only in the Appendix 1 benefits table — see gaps.

Travel Curtailment — unscheduled return trip due to fire or natural events - p. 40

Appendix 1 benefit row: Unscheduled return trip due to fire or natural events. - Optionnelle : non · Limite : Max. benefit limit of plan applies - Condition : Listed only in the Appendix 1 benefits table — see gaps.

Travel Curtailment — extension of stay due to fire or natural event - p. 40

Appendix 1 benefit row: Extension of stay due to fire or natural event. - Optionnelle : non · Limite : Max. benefit limit of plan applies - Condition : Listed only in the Appendix 1 benefits table — see gaps.

Travel Curtailment — delay by more than 12 hours due to strike or accident involving a means of transport - p. 40

Appendix 1 benefit row: Delay by more than 12 hours due to strike or accident involving a means of transport. - Optionnelle : non · Limite : Up to EUR 1,500/* - Condition : Listed only in the Appendix 1 benefits table — see gaps.

F. Replacement Employee Insurance (section total) - p. 9

In case the Insured Person cannot start its Business trip due to an Insured Event or must curtail or interrupt travel and its employers is required to send a replacement employee for business reasons, the Insurer will pay the costs listed below. - Optionnelle : non · Limite : Essential: not covered; Classic: € 1,000; Care: € 1,000; Plus: € 1,500; Premium: € 1,500 · Franchise : Deductible / Co-Payment: 20% of the refundable amount, at least EUR 25 per person (Appendix 1, page 40) - Condition : Marked “not covered” in the Essential Plan. Plan membership read from the Overview of Scope of Benefits table on page 9; the ticks and crosses are vector drawings and carry no text (see gaps).

Rebooking of the unused ticket (Replacement Employee) - p. 19

Verified additional costs resulting from rebooking the Insured Person’s unused ticket. - Optionnelle : non · Limite : Max. benefit limit of plan applies (Appendix 1, page 40)

Additional ticket for the replacement employee - p. 19

Additional costs for an additional ticket for outbound and/or return travel if the Insured Person’s ticket cannot be used by the replacement employee and an additional ticket must therefore be purchased. - Optionnelle : non · Limite : Max. benefit limit of plan applies (Appendix 1, page 40)

Additional lodging costs for the replacement employee - p. 19

Additional lodging costs for the replacement employee. - Optionnelle : non · Limite : Max. benefit limit of plan applies (Appendix 1, page 40)

Costs corresponding to the originally booked services (Replacement Employee) - p. 19

The costs corresponding to the type and standard of the originally booked services are insured. Reimbursement will be provided up to the specified limit applicable to the selected Plan. - Optionnelle : non · Limite : up to the specified limit applicable to the selected Plan

Insured Events triggering replacement of the employee - p. 19

The following events are covered as Insured Events if they cause the cancellation of a Business trip: an unexpected serious illness (unexpected if it occurs for the first time after booking); the unexpected deterioration of a pre-existing illness (no treatment in the last six months before booking; Check-ups are not treatment); mental illnesses deemed severe; death; a serious injury resulting from an Accident; a date to donate or receive organs and tissue; pregnancy; adoption of a minor child; immunization intolerance; breakage of prostheses (excluding dental protheses); loosening of implanted joints; considerable damage to property due to fire, burst pipes, Natural events or criminal action by a third party (the Insured Person’s presence being necessary for loss assessment); a court summons (unless appearance is part of the Insured Person’s typical professional duties); theft of the passport or identity card before the Business trip if a replacement document cannot be obtained in time and the stolen document is necessary for the Business trip. - Optionnelle : non

G. Travel Accident (Death and Disability) Insurance (section total) - p. 9

Including Disappearance and search and Rescue and property damage to the Insured Persons. If the Insured Person has an Accident during a Business trip, which leads to its death or permanent disability, the Insurer will support the Insured Person or its legal successor in providing the agreed assistance and payments. - Optionnelle : non · Limite : Essential: not covered; Classic: € 50,000 Death / € 100,000 Disability; Care: € 100,000 Death / € 200,000 Disability; Plus: € 150,000 Death / € 300,000 Disability; Premium: € 200,000 Death / € 400,000 Disability · Franchise : Deductible / Co-Payment: N.A. (Appendix 1, page 40) - Condition : Marked “not covered” in the Essential Plan. Plan membership read from the Overview of Scope of Benefits table on page 9; the ticks and crosses are vector drawings and carry no text (see gaps). - Condition : An Accident must occur during the Insurance Period cover and after the Effective Date of cover for the Insured Person. - Condition : Accumulation limit: the Insurer’s liability is limited to EUR 5,000,000 in case of death and 10,000,000 in the event of disability per loss event, as a joint maximum Benefit for all injured Insured Persons and insured Benefit types (section G. 13.1, page 24).

Extended definition of Accident (exertion, rescue, diving, tick bites, rabies, tetanus, Dengue, Zika) - p. 21

An Accident is also deemed to have occurred if, as a result of increased physical exertion, one of the Insured Person’s joints is dislocated or the Insured Person’s muscles, ligaments, tendons, or joint capsules are strained or torn. It is also deemed to be an Accident if the Insured Person suffers sudden damage to its health in the course of lawful defense or during efforts to rescue human life, animals or property; damage to health typical to scuba diving; infections resulting from tick bites; Rabies; Tetanus; Dengue (DHF); Zika. - Optionnelle : non

Permanent disability benefit - p. 21

Disability exists if the Insured Person’s physical and mental capacity is impaired permanently as a result of the Accident (permanent = likely to exist for more than three years, with no change to the condition expected). The Insurer determines the scope of the disability by the printed scale of degrees of disability. If several sense organs or body parts are affected permanently, the degrees of disability are added together up to a maximum of 100%. In the case of permanent disability the Insurer pays the complete sum insured; in the case of partial disability the corresponding portion of the sum insured. - Optionnelle : non · Limite : Degrees of disability: Loss of life 100%; Permanent Total Disablement 100%; Loss of or the Permanent total Loss of use of two limbs 100%; Loss of or the Permanent total Loss of use of one limb 75%; Permanent total Loss of Sight of both Eyes 100%; Permanent total loss of the following and not both as a result of the same Injury: (a) Permanent total Loss of sight of one eye 75%, (b) Permanent total Loss of the lens of one eye 50%; Loss of or the Permanent total Loss of Use of one limb and Loss of Sight of an eye 100%; Permanent and incurable insanity 100%; Permanent total Loss of Hearing (a) Both ears 100%, (b) one ear 30%; Loss of speech 75%; Loss of or the Permanent total Loss of use of four fingers and thumb of (a) right hand 85%, (b) left hand 65%; Loss of or the Permanent total Loss of use of four fingers of (a) right hand 55%, (b) left hand 45%; Loss of or the Permanent total Loss of use of one thumb (a) Both right phalanges 40%, (b) One right phalanx 25%, (c) Both left phalanges 30%, (d) One left phalanx 20%; Loss of or the Permanent total Loss of use of fingers (a) Three right phalanges 20%, (b) Two right phalanges 15%, (c) One right phalanx 10%, (d) Three left phalanges 15%, (e) Two left phalanges 10%, (f) One left phalanx 5%; Loss of or the Permanent total Loss of use of toes (a) all one-toe 25%, (b) Great toe - two phalanges 10%, (c) Great toe - one phalanx 10%, (d) Other than great toe - each toe 2%; Fractured leg or patella with established non-union 20%; Shortening of leg by at least 5 cm 10% - Condition : Within 15 months after the Accident: the disability occurs, has been diagnosed in writing by a Doctor, and the Insured Person submits a Claim to the Insurer. - Condition : In case the affected parts of the body or sense organs were already permanently impaired prior to the Accident, the Insurer will reduce the degree of disability by the disability prior to the Accident. - Condition : If the Insured Person’s treatment is not yet completed, payment due to disability can be requested at the earliest one year after the Accident. - Condition : The degree of disability can be reassessed every year, for a maximum of three years after the Accident event; if the final assessment shows a higher disability Benefit than that already paid, the Insurer will pay 5 % annual interest on the additional amount.

Death benefit - p. 22

If the Insured Person dies as a result of the Accident within one year, the Insurer will pay the agreed sum insured to the Insured Person’s heirs or its beneficiaries. If the Insured Person dies within one year after the Accident as a result of the Accident, no disability Benefit is due; the Insured Person is entitled to a death Benefit. - Optionnelle : non · Limite : Max. benefit limit of plan applies/* (Appendix 1, page 40) - Condition : The Insurer receives all the documents which it requires as proof of the Insured Event; within one month it states whether and for what amount it will accept the Claim.

Transitional Benefit - p. 22

The Insured Person will receive a transitional Benefit if all the following criteria are satisfied: the Insured Person’s physical or mental ability is reduced by at least 50% in their work or daily life due to an accident; this impairment continues for an uninterrupted period of three months calculated from the date of the Accident; illness and infirmity have not contributed to the impairment; the Insured Person has submitted its Claim to the Insurer four months following the date of the Accident at the latest, together with a medical certificate. - Optionnelle : non · Limite : 10 % of the sum insured in accordance with the degree of impairment applicable to disability

Coma allowance - p. 23

In case the Insured Person falls into a coma as a result of an Accident, the Insurer will pay an allowance for each day the Insured Person remains in the coma. - Optionnelle : non · Limite : € 30 for each day, for a maximum of 365 days

Cosmetic surgery after an Accident - p. 23

The Insurer reimburses costs for Accident-related cosmetic operations, paying for: A) Doctor’s fees. B) Medications, bandages, and other aids prescribed by the Doctor. C) Accommodations and meals in the clinic. D) Dental treatment and dental prostheses, provided the Insured Person lost its incisors and / or cuspids as a result of an Accident or they were damaged in the course of an Accident. - Optionnelle : non · Limite : up to € 20,000 (Appendix 1, page 40 prints “Up to EUR 20, 000/*”)

Costs of renovation of the workplace - p. 23

In case the Insured Person is permanently not able to engage in its professional activity without impairment as a result of an Accident, the Insurer will reimburse costs for the renovation of the Insured Person’s workplace: A) Office furnishings. B) Office. C) Buildings. D) Toilettes. E) Machines. F) Passenger vehicles or trucks. G) Other facilities. If the renovation is more expensive than new acquisition, the Insurer will reimburse the costs of the new acquisition. - Optionnelle : non · Limite : up to € 15,000 - Condition : The prerequisite is that the Insured Person may resume its professional activity in whole or in part following the renovation.

H. Luggage Loss and Delay Insurance (section total) - p. 9

Including damage or loss of portable business equipment and document theft (travel documents and money including credit card fraud). - Optionnelle : non · Limite : Essential: not covered; Classic: € 2,500; Care: € 5,000; Plus: € 7,500; Premium: € 10,000 · Franchise : Deductible / Co-Payment: EUR 100 for each insured event (Appendix 1, page 40) - Condition : Marked “not covered” in the Essential Plan. Plan membership read from the Overview of Scope of Benefits table on page 9; the ticks and crosses are vector drawings and carry no text (see gaps).

Accompanying luggage - p. 24

All accompanying luggage on the Insured Person’s Business trip is insured, including all rented or borrowed items for the Business trip. Luggage includes the Insured Person’s personal travel requisites for the respective Business trip, Laptop Computers (including accessories or attachments that come as standard equipment with the laptop), mobile phones and tablets, Presents, Souvenirs and Sports equipment. The Insurer will pay compensation if accompanied luggage is lost, damaged, or delayed during the Business trip due to criminal action by a third party, an Accident involving the means of transport, an Accident the Insured Person suffers, or fire or Natural events. - Optionnelle : non · Limite : up to the specified limit applicable to the selected Plan

Checked luggage - p. 24

The Insurer will pay compensation to the Insured Person if the Insured Person’s checked luggage is lost, damaged, or delayed. The prerequisite is that the luggage is in the custody of a transport company, a company providing accommodation, or a luggage deposit service. - Optionnelle : non · Limite : up to the specified limit applicable to the selected Plan

Cash - p. 24

The Insured Person’s cash is insured if it is stolen, stolen by extortion, or taken as a result of a break-in. - Optionnelle : non · Limite : up to € 500

Tickets - p. 25

If the Insured Person’s tickets are stolen, the Insurer will reimburse the Insured Person for the unused portion of the ticket. - Optionnelle : non · Limite : unused portion of the ticket, up to the specified limit applicable to the selected Plan

Luggage left in a vehicle - p. 25

The Insurer covers the Insured Person’s luggage in a parked and locked vehicle during the day between 6:00 am and 10:00 pm in the same manner as accompanied luggage. The Insurer likewise covers this at night between 10:00 pm and 6:00 am if the Insured Person interrupt its journey for a maximum of two hours. The motor vehicle also includes any luggage boxes, which are attached to it and locked. - Optionnelle : non - Condition : Between 10:00 pm and 6:00 am, cover applies only if the journey is interrupted for a maximum of two hours.

Basis of compensation for luggage - p. 25

If an Insured Event occurs, the Insurer will reimburse up to a maximum of the specified limit applicable to the selected Plan: A) lost or destroyed articles less than two years old — the new value of the article (this does not apply to electronic devices); B) lost or destroyed articles more than two years old and electronic devices — the Current value; C) damaged articles — necessary costs of repair and, if applicable, any remaining decrease in value, capped at the new value or the Current value as applicable; D) films, video, audio, and data media — material value; E) official identity documents and visas — official charges to obtain new documents. - Optionnelle : non · Limite : up to a maximum of the specified limit applicable to the selected Plan

Delayed checked luggage — replacement purchases - p. 25

In case the Insured Person’s checked luggage was transported with delay and reaches the destination at least four hours after the Insured Person’s arrival, the Insurer will reimburse the Insured Person for the expenses of replacement purchases. Only replacement purchases, which are required to continue the Business trip, are covered. - Optionnelle : non · Limite : up to € 1.000 per person and Insured Event - Condition : The checked luggage must reach the destination at least four hours after the Insured Person’s arrival.

Video and photographic equipment, mobile phones, smartphones, IT equipment and software (restricted) - p. 25

Video and photographic equipment, mobile phones, smartphones, IT equipment and software including accessories are insured as accompanied luggage up to a total of 50 % of the specified limit applicable to the selected Plan. If they have been checked in as luggage, there is no insurance cover. - Optionnelle : non · Limite : up to a total of 50 % of the specified limit applicable to the selected Plan - Condition : No insurance cover if they have been checked in as luggage.

Jewelry and valuables (restricted) - p. 25

Jewelry and valuables are only insured if they are locked in a fixed, closed container (e.g., safe), or if they are carried around personally by the Insured Person and kept secure. The Insurer will pay compensation for up to a total of 50 % of the specified limit applicable to the selected Plan. - Optionnelle : non · Limite : up to a total of 50 % of the specified limit applicable to the selected Plan - Condition : Only insured if locked in a fixed, closed container (e.g., safe) or carried around personally and kept secure.

Sports equipment including accessories (restricted) - p. 25

Sports equipment including accessories are not insured if they are being used for the intended purpose. In all other cases, they are insured up to a total of 50% of the specified limit applicable to the selected Plan. - Optionnelle : non · Limite : up to a total of 50% of the specified limit applicable to the selected Plan - Condition : Not insured while being used for the intended purpose.

Presents and souvenirs (restricted) - p. 26

Presents and souvenirs are insured up to a total of 10 % of the specified limit applicable to the selected Plan. - Optionnelle : non · Limite : up to a total of 10 % of the specified limit applicable to the selected Plan

Exclusions

Exclusion	Description	S'applique à	Page
Strikes, industrial actions, Pandemics, nuclear energy, ionizing radiation, seizures, Actions of higher authority	The Insured Person is not covered by insurance for damages resulting from strikes, industrial actions, Pandemics, nuclear energy, ionizing radiation, seizures, or other Actions of higher authority.	all	p. 27
Chemical, Biological, Radiological and Nuclear (CBRN) weapons	Insurance does not cover Accidents or illnesses caused by the use of Chemical, Biological, Radiological, and Nuclear (CBRN) weapons.	all	p. 27
War, civil war, war-like events, civil unrest	Insurance does not cover damage caused by war, civil war, war-like events, or civil unrest. By derogation to the preceding sentence, the Insured Person is covered for the first 14 days following the unexpected occurrence of such events in the country where they are located, provided they do not actively participate in these events.	all	p. 27
Areas under a travel warning	If the Insured Person is traveling in an area where a travel warning has been issued by the Foreign Office of the country where the Policyholder is registered or where the Insured Person resides at the time of entry, they are not covered by insurance. If the Insured Person is already in an area with a travel warning, their insurance coverage ends 14 days after the travel warning was issued.	all	p. 27
International sanctions	The Insurer will comply with international sanctions regulations. The Insurer will not provide coverage or pay any Claims that would expose them to sanctions under United Nations resolutions, economic sanctions, laws or regulations of the European Union or the United Kingdom, or sanctions of the United States of America.	all	p. 27
Force Majeure	The Insurer shall not be liable for any action taken, or for failure to take any action required to be taken, in fulfilment of its obligations or in exercise of its rights under the Insurance Policy in the event and to the extent that the such action or such failure arises out of or is caused by events beyond the Insurer’s reasonable control (Force Majeure), including, without limitation, civil or labour disturbances, war, insurrection, riots, civil or military conflict, sabotage, labour unrest, strike, lock-out, fire, flood or water damage, acts of God, act of any governmental authority or threat of any authority (de jure or de facto), legal constraint, fraud or forgery, accident, explosion, mechanical breakdown, computer or systems failure, failure of equipment, failure or malfunction of communications media or interruption of power supplies, local or foreign law, judicial process, decree, regulation, order or other action of any local or foreign government, authority, court, self-regulatory organisation, government agency or instrumentality of government.	all	p. 27
Limitation of the Insurer’s liability absent Gross negligence or wilful misconduct	In the absence of Gross negligence (faute lourde) or wilful misconduct (dol) on its part, the Insurer shall not be liable to the Policyholder or the Insured Person for any loss, Claim, liability, expense or damage arising from any action taken or omitted by the Insurer in connection with the provision of services or with the taking of any action contemplated under the Insurance Policy.	all	p. 27
Treatment known to be needed before the trip	Medical treatment, where the Insured Person was already aware before the Start of the Business trip that it would have to be carried out during the Insured Person’s Business trip, e.g., dialysis.	A. Medical Travel Insurance	p. 13
Purchase and repair of visual and hearing aids	Purchase and repair of visual and hearing aids.	A. Medical Travel Insurance	p. 13
Illnesses and injuries resulting from a deliberate act	Illnesses and injuries, which occur as a result of a deliberate act, and their consequences.	A. Medical Travel Insurance	p. 13
Treatment of alcoholism, drug-related diseases and other addictions	Treatment of alcoholism, drug-related diseases and other addictions including withdrawal treatments and cures.	A. Medical Travel Insurance	p. 13
Fango, massages and hypnosis	Fango, massages and hypnosis.	A. Medical Travel Insurance	p. 13
Need for care or safekeeping	Need for care or safekeeping.	A. Medical Travel Insurance	p. 13
Treatments by spouses, civil partners, parents or children	Treatments by spouses or civil partners, parents, or children. Documented material costs will be paid in accordance with the tariff.	A. Medical Travel Insurance	p. 13
Treatment not medically necessary — clinical trial, experimental, investigational or cosmetic purposes	Under the Glossary definition of “Medically necessary”, the measures must be “Not for clinical trial, experimental, investigational, or cosmetic purposes (see No 6)”.	A. Medical Travel Insurance	p. 36
Treatment not medically necessary — screening and preventive care	Under the Glossary definition of “Medically necessary”, the measures must be “Not for screening and preventive care purposes”.	A. Medical Travel Insurance	p. 36
Anything not explicitly listed under Domestic travel	All items which are not explicitly listed in section b. 2. and 3. are not insured under the Domestic travel coverage.	B. Domestic Travel Insurance	p. 14
Damage or loss deliberately and unlawfully caused	Damage or loss deliberately and unlawfully caused by the Insured Person.	D. Personal Liability Insurance	p. 15
Risks associated with deliberate criminal offenses	Risks directly associated with criminal offenses committed deliberately and unlawfully by the Insured Person.	D. Personal Liability Insurance	p. 15
Own damage	Damage or loss incurred by the Insured Person itself (referred to as “own damage”).	D. Personal Liability Insurance	p. 15
Damage to individuals covered by the same policy	Damage or loss caused by the Insured Person to individuals covered by the same policy.	D. Personal Liability Insurance	p. 15
Damage to Relatives	Damage or loss caused by the Insured Person to its Relatives.	D. Personal Liability Insurance	p. 15
Complaints on salary, pension, wages, subsistence, medical treatment for incapacity, welfare	Complaints pertaining to salary, pension, wages, or other fixed earnings, as well as subsistence, medical treatment in cases of incapacity to work, and welfare complaints.	D. Personal Liability Insurance	p. 15
Complaints arising from official function, professional activity, office or honorary position	Complaints made against the Insured Person as a result of its official function, professional activity, office, or honorary position.	D. Personal Liability Insurance	p. 15
Dangerous occupation	Damage or loss resulting from the Insured Person’s engagement in a dangerous occupation.	D. Personal Liability Insurance	p. 15
Use of motor vehicles, aircraft or motorized water vehicles	Damage or loss caused by the use of motor vehicles, aircraft, or motorized water vehicles, irrespective of whether the Insured Person is the owner, possessor, holder, or driver of the vehicle.	D. Personal Liability Insurance	p. 15
Transmission of diseases through Gross negligence	Damage or loss caused by the transmission of diseases through Gross negligence by the Insured Person.	D. Personal Liability Insurance	p. 15
Care or keeping of animals	Damage or loss incurred through the care or keeping of animals.	D. Personal Liability Insurance	p. 15
Contract fulfillment or public law	Complaints arising from contract fulfillment or under public law.	D. Personal Liability Insurance	p. 15
Property loss	Damage or loss due to property loss.	D. Personal Liability Insurance	p. 15
Items hired, rented, leased or borrowed	Damage or loss to items hired, rented, leased, or borrowed by the Insured Person, with the exception of rented accommodation. Additionally, damage to furniture in hotels, Holiday flats, Holiday homes, ship cabins, and similar accommodations is covered. Loss of keys for such accommodation is also insured, with the Insurer covering up to €5,000 for lock replacement.	D. Personal Liability Insurance	p. 15
Consequential damage due to lost keys	Complaints resulting from consequential damage due to lost keys are excluded.	D. Personal Liability Insurance	p. 16
Financial losses based on advice or recommendation	Complaints arising from financial losses asserted against the Insured Person based on any advice or recommendation.	D. Personal Liability Insurance	p. 16
Hunting	Damage or loss caused by the Insured Person while hunting.	D. Personal Liability Insurance	p. 16
Extreme sports and high-risk activities	Damage or loss associated with the Insured Person’s participation in Extreme sports and high-risk activities.	D. Personal Liability Insurance	p. 16
Horse races, cycle races, races with motorized vehicles and training for such events	Damage or loss resulting from the Insured Person’s participation in horse races, cycle races, races with motorized vehicles, or during training for such events.	D. Personal Liability Insurance	p. 16
Boxing, wrestling matches and martial arts performances	Complaints related to training or participation in boxing, wrestling matches, or martial arts performances.	D. Personal Liability Insurance	p. 16
Psychological reaction to war, civil unrest, terrorism or an aviation Accident	The Insurer will not pay in the case of a psychological reaction to an act of war, civil unrest, act of terrorism, an aviation Accident.	E. Travel Cancellation and Curtailment Insurance	p. 18
Psychological reaction to the fear of war, civil unrest or terrorism	The Insurer will not pay in the case of a psychological reaction to the fear of acts of war, civil unrest, acts of terrorism.	E. Travel Cancellation and Curtailment Insurance	p. 18
Addictive disorders	The Insurer will not pay in the case of addictive disorders.	E. Travel Cancellation and Curtailment Insurance	p. 18
Cancellation fees charged by the travel agency	The Insurer will not pay for cancellation fees, e.g., processing fees for the cancellation of the trip or service fees, which are charged by the Insured Person’s travel agency because the Insured Person cancels the Business trip.	E. Travel Cancellation and Curtailment Insurance	p. 18
Other processing fees not stated and insured at the time of booking	The Insurer will not pay for other processing fees, e.g., processing fees of the airline, which are not stated and insured at the time of the booking.	E. Travel Cancellation and Curtailment Insurance	p. 18
Psychological reaction to war, civil unrest, terrorism or an aviation Accident (Replacement Employee)	The Insurer will not pay in the case of a psychological reaction to an act of war, civil unrest, act of terrorism, an aviation Accident.	F. Replacement Employee Insurance	p. 20
Psychological reaction to the fear of war, civil unrest or terrorism (Replacement Employee)	The Insurer will not pay in the case of a psychological reaction to the fear of acts of war, civil unrest, acts of terrorism.	F. Replacement Employee Insurance	p. 20
Addictive disorders (Replacement Employee)	The Insurer will not pay in the case of addictive disorders.	F. Replacement Employee Insurance	p. 20
Cancellation fees charged by the travel agency (Replacement Employee)	The Insurer will not pay for cancellation fees, e. g. processing fees for the cancellation of the trip or service fees, which are charged by the Insured Person’s travel agency because the Insured Person cancels the trip.	F. Replacement Employee Insurance	p. 20
Accidents due to mental disorders, unconsciousness, strokes or convulsive seizures	Accidents due to mental disorders or unconsciousness, strokes, or convulsive seizures.	G. Travel Accident (Death and Disability) Insurance	p. 23
Accidents due to drunkenness or narcotics	Accidents due to drunkenness with a blood alcohol level of at least 1.1 per mile or the consumption of narcotics.	G. Travel Accident (Death and Disability) Insurance	p. 23
Accidents as a pilot of a plane	Accidents as a pilot of a plane.	G. Travel Accident (Death and Disability) Insurance	p. 23
Accidents at race events with motor vehicles	Accidents as a driver, passenger, or occupant of a motor vehicle at race events, where the aim is to attain top speeds. The associated test drives are likewise excluded.	G. Travel Accident (Death and Disability) Insurance	p. 23
Accidents during Extreme sports, boxing, wrestling, martial arts, horse or cycle racing	Accidents, which occur if the Insured Person carries out Extreme sports, train for or participate in any type of boxing or wrestling matches, martial arts competitions, horse racing or cycle racing.	G. Travel Accident (Death and Disability) Insurance	p. 23
Accidents while committing or attempting a criminal offence	Accidents, which occur if the Insured Person deliberately carries out or attempts to carry out a criminal offence.	G. Travel Accident (Death and Disability) Insurance	p. 23
Accidents due to attempted suicide	Accidents due to attempted suicide and the consequences arising from it.	G. Travel Accident (Death and Disability) Insurance	p. 23
Damage to health caused by therapeutic measures	No insurance cover is available for damage to the Insured Person’s health caused by therapeutic measures. Insurance cover remains in place in the event damage to the Insured Person’s health is the result of an Accident.	G. Travel Accident (Death and Disability) Insurance	p. 23
Damage to health caused by surgery	No insurance cover is available for damage to the Insured Person’s health caused by surgery on the Insured Person’s body. Insurance cover remains in place in the event damage to the Insured Person’s health is the result of an Accident.	G. Travel Accident (Death and Disability) Insurance	p. 23
Damage to health caused by radiation	No insurance cover is available for damage to the Insured Person’s health caused by radiation. Insurance cover remains in place in the event damage to the Insured Person’s health is the result of an Accident.	G. Travel Accident (Death and Disability) Insurance	p. 23
Damage to health caused by an infection	No insurance cover is available for damage to the Insured Person’s health caused by an infection. The foregoing does not apply in the event the pathogenic germs entered the body through an Accident. Infections where the pathogenic germs entered the body as a result of minor skin / mucous membrane injuries or as a result of insect bites remain excluded. The foregoing notwithstanding, infections resulting from tick bites, mosquito bites, rabies and tetanus are insured.	G. Travel Accident (Death and Disability) Insurance	p. 24
Items forgotten, left behind, abandoned or lost	Loss due to items that are forgotten, left behind, abandoned, lost.	H. Luggage Loss and Delay Insurance	p. 25
Spectacles, contact lenses, hearing aids and prostheses	Spectacles, contact lenses, hearing aids and prostheses.	H. Luggage Loss and Delay Insurance	p. 25
Money, securities, tickets and documents	Money, securities, tickets, and documents of any type except for official identity documents and visas.	H. Luggage Loss and Delay Insurance	p. 25
Money and tickets outside the exceptions of section 3	Money and tickets subject to the exceptions provided in section 3.	H. Luggage Loss and Delay Insurance	p. 25
Consequential pecuniary loss	Consequential pecuniary loss.	H. Luggage Loss and Delay Insurance	p. 25
Sample collections and merchandise	Sample collections and merchandise.	H. Luggage Loss and Delay Insurance	p. 25
Damage deliberately brought about; reduction for Gross negligence	Damage that arises from deliberately bringing about the Insured Event. If the Insured Person brought about the Insured Event through Gross negligence, the Insurer can reduce its payment of Benefits in proportion to the severity of the Insured Person’s fault. Unless the Insured Person can prove that the Insured Person did not bring about the Insured Event with Gross negligence.	H. Luggage Loss and Delay Insurance	p. 25
Electronics checked in as luggage	Video and photographic equipment, mobile phones, smartphones, IT equipment and software including accessories: if they have been checked in as luggage, there is no insurance cover.	H. Luggage Loss and Delay Insurance	p. 25
Sports equipment used for its intended purpose	Sports equipment including accessories are not insured if they are being used for the intended purpose.	H. Luggage Loss and Delay Insurance	p. 25

Franchises

• Standard : There is no single policy-wide franchise: the deductible is set per section in Appendix 1 (page 38-40) and applies only “If the Policyholder has chosen coverage with a deductible” (section III. iv, page 10).
• Variable : Any deviations to the deductible amount outlined in Appendix 1 will be captured in the Group Contract (section III. iv, page 10).
• A. Medical Travel Insurance : EUR 100 for each insured event
• B. Domestic Travel Insurance : N.A.
• C. Travel Delay Insurance : 20% of the refundable amount, at least EUR 25 per person
• D. Personal Liability Insurance : EUR 150 per event in case of damage to property
• E. Travel Cancellation and Curtailment Insurance : 20% of the refundable amount, at least EUR 25 per person
• F. Replacement Employee Insurance : 20% of the refundable amount, at least EUR 25 per person
• G. Travel Accident (Death and Disability) Insurance : N.A.
• H. Luggage Loss and Delay Insurance : EUR 100 for each insured event

Délais d'attente

• all : “No waiting periods apply to the Insurance Policy.” (section II. 9.1). The Glossary definition of Effective Date nevertheless reserves “any applicable waiting periods” (page 35). p. 7

Obligations de l'assuré

• The Policyholder undertakes to answer truthfully and exhaustively all the questions that the Insurer asks and to cause, where relevant, the Insured Person to do the same, and to declare accurately, at the time of conclusion of the Insurance Policy, all circumstances known to him/her which he/she may reasonably consider relevant for the Insurer’s assessment of the insured risk. (At subscription · Notwithstanding other statutory grounds for nullity, the Insurance Policy shall be void in case of any intentional omission or inaccuracy which has misled the Insurer in its risk assessment; the Insurer remains entitled to premiums already paid. If the omission or inaccuracy is unintentional the Policy is not void, but the Insurer may propose an amendment within 1 month or, if it proves it would never have insured the risk, terminate within 1 month; if a Claim arises beforehand and the omission is the Policyholder’s fault, Benefits are reduced in the proportion of the premium paid to the premium that would have been due, or limited to the reimbursement of all premiums paid.) p. 29
• The Policyholder and/or the Insured Person is required to declare any circumstances that may result in a perceptible and lasting increase in the insured risk. The Policyholder is obliged to provide to the Insurer the risk information listed in the Group Contract for the preceding insurance year, at the latest upon the Insurer’s request. These provisions do not apply in respect of a subsequent change in an Insured Person’s state of health. (During the term of the Insurance Policy · If a Claim arises and the obligation was not fulfilled: the Insurer pays the agreed Benefit if the failure to declare is not the fault of the Policyholder; otherwise compensation is due only in the proportion of the premium actually paid to the premium that would have been required; if the Insurer proves it would never have insured the aggravated risk, its liability is limited to the reimbursement of the premiums paid for the period following the aggravation; if the Policyholder acted with fraudulent intent, the Insurer may refuse all Benefits and keeps the premiums due up to the time it became aware of the fraud as damages.) p. 6
• The Policyholder and/or the Insured Person shall report any Claim to the Insurer Immediately (“without culpable delay”). Each hospital medical treatment must be reported within 30 calendar days as of the start of treatment; other travel-related Claims must be reported within 30 calendar days following the occurrence of the Insured Event. (On claim) p. 10
• The Insured Person must take all the necessary measures to avoid or limit the consequences of any Claims, and must avoid anything which could result in unnecessary costs (obligation to mitigate loss). (On claim) p. 10
• The Policyholder and/or the Insured Person must without delay provide all relevant information and documents to the Insurer and/or its agent and respond to all of the latter’s inquiries; describe the events leading to the Claim and the consequences truthfully; allow the Insurer to carry out any reasonable investigations into the cause and amount of the damage and the extent of its liability; provide original documents as proof and, where appropriate, release the treating Doctors from their obligation to maintain confidentiality. (On claim) p. 29
• At the request of the Insurer, the Insured Person is required to be examined by a Doctor appointed by the Insurer. (On claim) p. 10
• The Insured Person or, in the event of death, the Insured Person’s legal successor must contact the Emergency Hotline Immediately: before the start of in-patient treatment; before carrying out the return transport of the patient; before burial Abroad or before repatriation in the event of death; if children or persons in need of care accompanying the Insured Person can no longer be cared for. (On claim) p. 13
• The Insured Person or, in the event of death, its legal successor must contact the Emergency Hotline Immediately: before the start of in-patient treatment; before carrying out the return transport of the patient; before return of moral remains. (On claim) p. 14
• The Insured Person is required to obtain confirmation of the Public transportation delay from the relevant transport company. This confirmation, along with proof of insurance and booking documents, must be submitted to the Insurer. (On claim) p. 14
• The Insured Person must inform the Insurer of any Insured Event within one week after becoming aware of it, must as far as possible avoid or reduce the complaint and comply with the Insurer’s directives, provide detailed and true reports, inform the Insurer of all significant circumstances and send all requested documents. The Insured Person must notify the Insurer Immediately if a third party asserts liability complaints, if legal proceedings are initiated by a public prosecutor or the court, if a default summons is issued or a third-party notice is served. (On claim) p. 16
• If the Insured Person receives a default summons from a person claiming compensation for damage, the Insured Person must contest it in due time and in due form. Also, in the case of an order issued by the administrative authorities, the Insured Person must lodge an appeal in due time and in due form. The Insured Person should not wait for instructions from the Insurer. (On claim) p. 16
• The Insured Person is obliged to keep the cancellation costs as low as possible and must therefore cancel the Business trip Immediately, at the latest before the cancellation costs are increased. If the Medical Cancellation Advisory Team advises canceling, the Insured Person must promptly cancel; if contrary to the team’s assessment the Insured Person is unable to commence the trip, they must cancel once it is confirmed they cannot travel. (On claim · If the Insured Person fails to cancel their trip despite advice from the Medical Cancellation Advisory Team, the Insured Person will personally bear the risk of any additional cancellation costs incurred (section E. 2.4, page 17).) p. 19
• The Insured Person must report damage caused by criminal acts to the local police Immediately; if this is not possible, a report must be filed with the next available police station. A list of all lost articles must be attached to the police report and confirmed, and certification provided to the Insurer. (On claim) p. 26
• The Insured Person is obliged to report damage to checked luggage Immediately to the transport company, the company providing accommodation or the luggage deposit service. Damage that is not apparent from the outside must be notified in writing as soon as discovered, within the respective deadline for complaints and at the latest within seven days after handing out the item of luggage. The Insured Person is also obliged to have the delay of the luggage confirmed by the respective transport company and to document replacement purchases by submitting receipts. (On claim) p. 26
• The Insured Person must inform the Insurer of the Accident Immediately and let itself be examined by Doctors appointed by the Insurer (the Insurer pays these costs). The Insured Person must authorize Doctors providing treatment or examining it to supply any information required by the Insurer; this also applies to other insurers, insurance companies and authorities. (On claim) p. 24
• The Insured Persons are obliged to submit to the Insurer the original invoices or copies with proof that another Insurer has reimbursed the costs. Any Claim must be submitted in compliance with the timeline set out in section III. iii. (On claim) p. 13
• If, by negligence, the Insured Person does not appear, or does not comply with investigative measures ordered in Court proceedings initiated against the insured Person in the context of a liability complaint covered under the Insurance Policy, the Insured Person shall repair the loss suffered by the Insurer. (On claim · The Insured Person shall repair the loss suffered by the Insurer.) p. 29
• Unless otherwise stipulated, the legally authorised premiums, fees and taxes must be paid in advance to the head office of the Insurer and/or the agent designated by the Insurer. Payment is required from the Policyholder. (During the term of the Insurance Policy · In the event of non-payment within 10 calendar days of the due date, Benefits are suspended after a 30-calendar-day grace period following a registered letter; Claims occurring during the suspension period give rise to no Benefits; the Insurer may cancel the Policy 10 calendar days after the expiry of the grace period; an uninterrupted suspension of 2 years terminates the Policy automatically.) p. 30

Procédure de sinistre

1. The Policyholder and/or the Insured Person shall report any Claim to the Insurer Immediately. Claims shall be reported by using the „Online Claim Portal“. The Policyholder and Insured Person are further required to consult the “How to claim guide (Appendix 2, claim procedure)” appended at the end of this GTC. (délai : Immediately) p. 10
2. With regard to insuring health care-related costs, each hospital medical treatment must be reported within 30 calendar days as of the start of treatment, unless otherwise provided in the Insurance Policy. (délai : within 30 calendar days as of the start of treatment) p. 10
3. With regard to the reimbursement of Claims pursuant to other travel-related Insured Events, each such Claim must be reported within 30 calendar days following the occurrence of the Insured Event, unless otherwise provided in the Insurance Policy. (délai : within 30 calendar days following the occurrence of the Insured Event) p. 10
4. The Insurer requires the Policyholder’s confirmation of insurance, specifying the Insured Person’s name and period of travel. The “Claim Form” should be used where possible; it is already available to the Policyholder or can be downloaded from the Insurer’s website. The Insured Person can either hand in their documents and invoices to the Policyholder in a sealed envelope, which will then be forwarded to the Insurer together with the required confirmation of insurance, or send the documents and invoices to the Insurer directly. p. 28
5. The Insured Person has the option to reach out to the Insurer at any time, day or night. The addresses, telephone numbers, and email address are provided in all the documents provided to the Policyholder. If an Insured Person contacts the Emergency Hotline after experiencing a significant Insured Event, especially in the event of an Accident, emergency, or during inpatient treatment, the Emergency Hotline will promptly offer a callback service. p. 28
6. Once the Insurer has determined the liability, the Insured Person will receive the payment Immediately. Any costs which the Insured Person has incurred in a foreign currency will be reimbursed in Euro, at the exchange rate applicable on the day on which the Insured Person paid these costs. p. 28
7. 1. Report all claims to the Insurer within 30 days of the event or as soon as possible. 2. Provide all necessary documents, such as medical reports, police reports, receipts, and other evidence needed by the Insurer to resolve the claim quickly. 3. For liability claims, the Insured Person must inform the Insurer of any Insured Event within one week after becoming aware of it and not admit fault or make any offers; any claims against the Insured Person must be put in writing. 4. Report all losses related to luggage and travel documents to local authorities and/or the Transport Provider and obtain a written acknowledgment. 5. Immediately report any luggage loss or damage to the airline or carrier involved and file a claim with them first. 6. Call the Emergency Hotline on +352 2704441014 for help with any travel emergencies while overseas. 7. Submit the claim online along with the required documents. (délai : within 30 days of the event or as soon as possible) p. 41
8. 1. Insurance number: the group policy number for the organization. 2. Bank details. 3. Travel booking confirmation (proof of travel). Documents can be uploaded in PDF, JPG or PNG, size limited to 5 MB per document, not password-protected. p. 41
9. 1. Doctor / hospital bill. 2. Other medical bills, e.g., for medication. 3. In case of a medical emergency or hospitalization, call the Emergency Hotline for assistance. p. 41
10. 1. Doctor / hospital bill for the entire duration of hospitalization. 2. Return Transport invoices. p. 41
11. 1. Confirmation from the carrier about the delay. 2. Evidence of the cost of expenses (food and accommodation). 3. Delay of a public transport during the outward journey. 4. Confirmation from the transport company about the delay in public transport. 5. Evidence of the additional costs of the outward journey, e.g., a new flight ticket. p. 41
12. 1. Information on additional existing travel insurance (e.g., via credit card or automobile club). Only if applicable: evidence of a claim for damages from a third party due to a damaging event; police report (e.g., accident report), witness statements etc.; a detailed description of how the accident happened; receipts of the material damage incurred (cost estimate/repair invoice). Additionally in the case of third-party debt: notification of the person who caused the accident (name, address) and their liability insurer. p. 42
13. Cancellation: cancellation cost invoice(s) from the tour operator or travel agency (one per booked module). Cancellation due to illness, pregnancy, intolerance to vaccinations: medical certificate form completed by the attending physician before reporting the claim. Cancellation due to a death: death certificate. Cancellation of a flight: air tickets/e-tickets and evidence that the flight was not taken. Curtailment: evidence / invoices for additional costs incurred; certificate from the doctor treating you at the holiday destination; proof of damage to property; death certificate; for rebooking a flight: proof from the airline of the rebooking, booking confirmation of the new flights and proof of the reason for the rebooking. For all reasons for cancellation not listed, the Insurer will contact the claimant and request the relevant documents. p. 42
14. 1. Evidence / invoices for additional costs incurred. 2. Replacement of travel due to illness, pregnancy, intolerance to vaccinations of the initial employee. 3. Certificate from the doctor treating you at the holiday destination. 4. Cancellation of travel due to damage to property of the initial employee. 5. Proof of damage to property. 6. Trip cut short due to death of the initial employee. 7. Death certificate. p. 43
15. Only if applicable: proof that a joint has been dislocated or muscles, tendons, ligaments, or capsules have been strained or torn as a result of increased physical exertion (e.g., medical certificate); evidence that damage to health has occurred during lawful defense or during efforts to save human life, animals, or property (e.g., police report, witness statements, confirmation from rescue workers). Additionally in the event of death: death certificate, certificate of inheritance, specification of the responsible tax office, tax number. Other obligations: the treating or assessing doctors, other insurers and authorities must be authorized to provide Foyer Global Health S.A. and the doctors commissioned by it with all the necessary information; obligation to be examined by doctors commissioned by Foyer Global Health S.A.; the contractual reporting deadlines must be observed. p. 43
16. 1. Receipts for replacement purchases made. With luggage carried: police report on criminal acts; detailed description of the course of the damage with all the accompanying circumstances and notification of where and when the damage was first detected. With checked baggage: damage report from the transport company (damage, total loss, delayed delivery); original receipts for replacement purchases if the delivery time has been exceeded; final confirmation of loss from the carrier; the ticket with the carrier's baggage tags. p. 43
17. If the claim does not fit any of the travel claim scenarios listed, select ‚Others‘ when completing the claim form. p. 43

Durée & résiliation

• Durée : The Insurance Period is the period specified in the Group Contract during which the Insurance Policy applies. It may not be shorter than the duration of the Business trip, unless otherwise agreed. The Insurance Policy is deemed concluded as of the date of the signature of the Group Contract by the Insurer and the Policyholder. Cover under the Travel Cancellation and Curtailment Insurance begins on the Effective Date, however not prior to booking a covered Business trip, and ends when the Business trip commences, at the latest upon the agreed end of the Group Contract. Under the other insurance types, cover begins on the Effective Date, at the earliest when the Business trip commences, and ends when the Insured Person has finished its Business trip, at the latest upon the agreed end of the Group Contract. If the Insured Person was not able to finish its Business trip as scheduled for reasons beyond its control, cover is extended up to 30 calendar days beyond the date originally agreed with the Insurer. The Insurance cover ends upon termination of the employment contract concluded with the Policyholder.
• Reconduction tacite : oui
• Préavis : Policyholder at renewal: termination letter no later than 30 (thirty) calendar days after the date on which the payment notice is postmarked (90 (ninety) calendar days for sickness-related insurance coverage). Insurer at renewal (except for sickness-related insurance): no later than 60 (sixty) calendar days before the renewal. After an amendment of the GTCs: within 1 (one) month of the dispatch of the notification letter. After a premium increase: within 60 (sixty) days of the postmarked date of the Insurer’s dispatch of the notification letter. After a Claim (Insurer): notified to the Policyholder within one month of the first payment of Benefits; the Policyholder may then terminate any other contracts with the Insurer no later than one month after receiving the Insurer’s notification. Right of withdrawal for a distance contract: 14 calendar days.
• Modalité : Any termination of the Insurance Policy must be made by registered letter (“lettre recommandée”), by bailiff notification (“exploit d’huissier”) or by delivery of the termination letter against receipt (“remise de la lettre de résiliation contre récépissé”).
• Modalité : Unless otherwise provided, the termination shall take effect after a period of 1 (one) month following the date of the bailiff notification of the termination letter, the date indicated on the receipt for the termination letter or the day following the delivery of the termination letter to the postal services.
• Droit spécial : The Insurance Policy extends automatically for a maximum additional period of one year if neither of the parties opposes such renewal in accordance with the formalities and notice periods provided for.
• Droit spécial : The Insurer may terminate if an Insured Event has occurred, provided the Insured Event does not fall under the sickness-related coverage of the Insurance Policy.
• Droit spécial : The Insurance Policy terminates automatically if the insurance cover has been suspended continuously for 2 (two) years.
• Droit spécial : The Insurance Policy also automatically ends when the Group Contract is ended by the Policyholder or by the Insurer, if the Insured Person leaves the group of eligible persons, or if the Insurance Policy is declared null and void.
• Droit spécial : Termination rights may be limited to the relevant Insured Persons where the conditions for termination are met only for particular Insured Persons.
• Droit spécial : The Policyholder may terminate the Insurance Policy in its entirety or for certain Insured Persons at each renewal, upon receipt of the payment notice from the Insurer.
• Droit spécial : The Policyholder may terminate within 1 month of the dispatch of the notification letter informing it of an amendment of the GTCs.
• Droit spécial : The Policyholder may terminate within 60 days of the postmarked date of the Insurer’s dispatch of the notification of a premium increase.
• Droit spécial : If the Policyholder terminates the entire Insurance Policy or terminates it for one or more Insured Persons individually, the Insured Person may renew the Insurance Policy by appointing a new Policyholder, provided that such appointment is declared to the Insurer within 2 (two) months of the relevant termination.
• Droit spécial : The Insurer may terminate with immediate effect if the Policyholder or an Insured Person has obtained or attempted to obtain insurance Benefits fraudulently; this right is forfeited if not used within 1 month from the date on which the Insurer was informed of the facts.
• Droit spécial : Premiums paid in relation to the Insurance Period running after the effective date of termination are refunded within 30 (thirty) days; once that period has expired, statutory interest accrues by operation of law.
• Droit spécial : If, in bad faith, a given risk is insured under one or more insurance policies with a premium that is too high, the Insurance Policy shall be null and void and the Insurer acting in good faith may keep the premiums collected as a means to indemnify any loss suffered.
• Droit spécial : Right of withdrawal: if the Insurance Policy is entered into remotely and qualifies as a “distance contract”, the Policyholder has 14 calendar days to withdraw without penalty and without providing an explanation or reason, by registered letter to the registered office of the Insurer.

Prescription

The statute of limitation period for any legal actions arising out of or in connection with the Insurance Policy is 3 years. Such limitation period starts running as of the day on which the event that gives rise to the relevant legal action occurs. If the person entitled to take action can prove that he or she became aware of the actionable event only at a later date, the limitation period starts running only at such later date, without, however, exceeding 5 years from the date of the occurrence of the actionable event, except in case of fraud. The statute of limitations runs also against minors or other persons deemed incapable under law. It does not run against the Insured Person that is unable to act within the prescribed time limit due to force majeure. If the Claim has been reported in due time, the statute of limitation is interrupted until the Insurer has informed the Policyholder or Insured Person in writing of its decision pertaining to the Claim. p. 30

Prime

• Indexation : Any change, by the Insurer, of the tariff of the premium shall occur in accordance with the provisions of the law of 27 July 1997 on the insurance policy as amended from time to time, and the terms of the Group Contract (section VII. 1.3, page 32). No premium amounts or rates are printed in this document.
• Unless otherwise stipulated, the legally authorised premiums, fees and taxes must be paid in advance to the head office of the Insurer and/or the agent designated by the Insurer for this purpose. Payment is required from the Policyholder.
• Where the Insurance Policy covers several insured risks, the total amount of premiums due is considered to constitute one single indivisible premium.
• The premium is an annual premium. The first premium payment is due as of the date of the signature of the Group Contract by the Policyholder. Subsequent premiums are due at the renewal date of the Insurance Policy.
• The payment terms for the premiums are specified in the Group Contract. Any amendment to the payment terms requires the express written agreement of the Insurer.
• In the event of non-payment of premiums or of a fraction of a premium within 10 calendar days of the due date, the Benefits of the Insurance Policy shall be suspended after a grace period of 30 calendar days subsequent to the sending, by the Insurer, of a registered letter to the Policyholder at his/her last known place of domicile, also sent to the last known email address. The registered letter contains a formal notice to pay all premiums due, the due date, the total amount of the unpaid premiums and the consequences of non-payment at the end of the 30-day grace period.
• Claims occurring during the suspension period following the grace period shall not give rise to the granting of any Benefits from the Insurer.
• The Insurer has the right to cancel the Insurance Policy 10 calendar days after the expiry of the 30-day grace period.
• If it is not cancelled, the Insurance Policy resumes its effects for future Claims only as of the first hour of day following the date on which the Insurer or its agent receives payment of the premiums due (or of the relevant unpaid fractions), the premiums that have expired during the suspension period and, where applicable, any legal and recovery costs.
• The suspension of the Benefits does not affect the right of the Insurer to claim the premiums that become subsequently due, provided formal notice has been sent; this right is limited to premiums pertaining to 2 consecutive years.
• If the Insurance Policy is suspended due to non-payment for an uninterrupted suspension period of 2 years, it terminates automatically upon expiry of that period.
• The insurance premium applicable to the Insurance Policy is set according to the declarations made by the Policyholder at conclusion (section VI. 1.3).

Conditions particulières

• The mutual rights and obligations of the Insurer, the Policyholder and the Insured Person are governed by: the present GTCs; the Glossary included at the end of the present GTCs; the Group Contract; the Insurance Certificate (where applicable); any subsequent written agreements concluded between the Insurer, the Policyholder and, where relevant, the Insured Person; any relevant applicable statutory rules and regulations. In case of any discrepancy between these GTCs and the Group Contract, the provisions set out in the Group Contract shall prevail. p. 3
• The Insurer is supervised by the Commissariat aux Assurances (11, rue Robert Stumper, L-2557 Luxembourg; +352226911-1; caa@caa.lu). p. 3
• All employees of a Policyholder travelling on Business trips are eligible as Insured Persons. The marital or non-marital partner and children accompanying the Insured Person may also be insured as an Insured Person. Insurance cover is conditional upon the Policyholder’s main place of business and the Insured Person’s place of work. Persons normally residing in countries other than the ones where the policy is administered may be included in the insurance cover upon request. The application for insurance is made by the Policyholder; details are set out in the Group Contract. Subsidiaries can be included under the same policy. The Insured Person is informed of the essential provisions of the Group Contract by the Policyholder. p. 3
• The permissible maximum continuous duration of a journey for each Insured Person shall be up to 180 days on a per trip basis unless otherwise explicitly specified in the Group Contract. The permissible maximum total number of travel days by company staff per year is agreed between the Insurer and the Policyholder and is specified in the Group Contract. p. 3
• There are 5 Plans (Essential, Classic, Care, Plus, Premium). These Plans have different Benefits and limits for the insured sums. Which Plan is applicable to the Insurance Policy and the covered Insured Persons is governed by the Group Contract. Any deviation to these Plans is agreed between the Insurer and the Policyholder and reflected in the Group Contract. The Overview of Scope of Benefits sets out the maximum amounts the Insurer will pay each Insured Person for each Trip under the applicable plan; sub-limits and cover restrictions may apply. p. 9
• The Policyholder and the Insured Person expressly require that these GTCs and, more generally, the Insurance Policy and all supporting documents and information be submitted to them in English or German, unless otherwise specified in the Group Contract, and expressly acknowledge that they fully understand the language(s) chosen in the Group Contract. Correspondence and all other types of communications between the Insurer, the Policyholder and the Insured Person shall be in English or German, unless otherwise specified in the Group Contract. Notices and Declarations of Intent must be made by e-mail or ordinary mail, unless otherwise explicitly specified, provided they are readable and the transmission quality is high enough for processing. p. 7
• If the Insurance Policy is entered into remotely and qualifies as a “distance contract”, the Policyholder has 14 calendar days to withdraw without penalty and without providing an explanation or reason. The period runs from the date the Insurance Policy is entered into remotely, or from the date the Policyholder receives the Insurance Policy if later. Withdrawal must be notified before expiry by registered letter to the registered office of the Insurer. The Policyholder may only be required to pay, proportionately, for the insurance cover actually provided, never as a penalty; the Insurer is not entitled to any payment if it began execution before the expiry of the withdrawal period without being requested to do so. The Insurer must reimburse all sums received within 30 calendar days, and the Policyholder must return any sums and/or property received within 30 calendar days; late reimbursement bears statutory interest by operation of law. p. 7
• The Insurer may amend or supplement the GTCs only in exceptional cases while safeguarding the Insured Person’s interests: if conditions in the healthcare sector change not just temporarily (changes in legal regulations or in supreme court rulings underlying individual provisions of the contract), or if the GTCs contain an invalid provision and must be supplemented to continue the contract (provisions declared invalid by a court without right of appeal, or an administrative act by a cartel authority, an insurance supervisory authority or a comparable authority objecting to a provision as incompatible with the law where statutory regulations contain no replacement ruling). The amended GTCs are reported and explained to the Policyholder in writing and come into effect at the beginning of the second month following notification; the Insured Person is informed by the Policyholder. They are deemed tacitly approved if the Policyholder does not terminate within one month of receiving notification by registered letter. p. 32
• All notifications from the Insurer to the Policyholder are deemed validly made if mailed by post to the Policyholder’s last known address as reflected in the Insurer’s records, and are deemed received 10 (ten) calendar days after the postmarked date of their dispatch. Notifications made to the Insurer must be sent to the Insurer’s registered office. p. 32
• In the event of a dispute, the Policyholder must submit a written complaint to one of: the senior management of the Insurer, Foyer Global Health S.A., 12, rue Léon Laval, L-3372 Leudelange, Luxembourg (tel. +352 270 444 3501, fax +352 270 444 3599, feedback@globality-health.com, www.globality-health.com); the Insurance Ombudsman, in care of the Association des Compagnies d’Assurances et de Réassurances du Grand-Duché de Luxembourg, 12 rue Erasme, L-1468 Luxembourg; the Consumer Ombudsman, Union Luxembourgeoise des Consommateurs, 55 rue des Bruyères, L-1274 Howald; the National Consumer Ombudsman Service, Service National du Médiateur de la Consommation, 6 rue du Palais de Justice L-1841 Luxembourg; or the Luxembourg Insurance Commission, Commissariat aux Assurances, 11 Rue Robert Stumper, L-2557 Gasperich Luxembourg (subject to the complaint having been previously dealt with by the Insurer). This is in addition to the Policyholder’s right to pursue legal action in court. p. 32
• The Solvency and Financial Condition Report of the Insurer is available on the Insurer’s website at www.globality-health.com/imprint/ p. 33
• Under Luxembourg law, the Benefits granted under the Insurance Policy are not subject to a specific statutory guarantee fund. Any Claims to the payment of Benefits are, however, protected under the triangle of security (triangle de sécurité) constituted by the mandatory Luxembourg law provisions governing the deposit of the technical provisions underlying the Insurance Policy, the related supervision by the Commissariat aux Assurances and the applicable statutory liens (privilèges). p. 33
• Unless otherwise provided by applicable national or European laws or regulations, or applicable treaties, the Insurance Policy shall be exclusively governed by and construed in accordance with Luxembourg law, and all disputes arising from the insurance contract shall be brought before a court of law in Luxembourg City, Grand Duchy of Luxembourg. p. 33
• The Insurer shall be subrogated in any rights and actions that the Policyholder or Insured Person may have against any third party in relation to a Claim, for the amount of Benefits paid. If, due to any actions or omissions of the Policyholder or Insured Person, the subrogation may no longer produce its effects, the Insurer may claim repayment of the Benefits paid in proportion to the loss suffered. The subrogation shall not have the adverse effect of the Insured Person only being partially compensated: in that case the Insured Person may exercise its rights, for the amounts that remain owed, in priority to the Insurer. Except in the event of malice, the Insurer has no legal recourse against the Insured Person’s descendants, ascendants, spouse and in-laws in direct line, nor against those living in the Insured Person’s home, his/her hosts or his/her household employees — unless their liability is effectively covered under an insurance policy. p. 30
• The Policyholder has agreed accumulation limits with the Insurer, meaning that Benefit payments to several Insured Persons may only be made up to the agreed specific maximum amount. Where several Insured Persons insured by this Group Contract are injured by one loss event, the Insurer’s liability is limited to EUR 5,000,000 in case of death and 10,000,000 in the event of disability per loss event, as a joint maximum Benefit for all injured Insured Persons and insured Benefit types. Where the aggregate compensation exceeds the accumulation limits, it is apportioned among the Insured Persons, but the sum will not be greater than the maximum sum insured of each Insured Person. p. 24
• Any costs which the Insured Person has incurred in a foreign currency will be reimbursed in Euro. The exchange rate will be based on the rate applicable on the day on which the Insured Person paid these costs. p. 28
• The exclusions of section IV apply in addition to the exclusions named in the respective sections. p. 27
• You can find all the information about the processing of your personal data on the privacy policy of Foyer Global Health S.A. available on the website (www.foyerglobalhealth.com/privacy/). p. 43
• Lines are open Monday to Friday: 8am to 5pm (CET). Phone +352 270 444 35 01, Fax +352 270 444 35 99, service-travel@globality-health.com. Foyer Global Health S.A., 12, rue Léon Laval, L-3372 Leudelange, Luxembourg, www.globality-health.com, R.C.S. Luxembourg B 134.471. p. 44

Lacunes d'extraction

• Risk carrier read at the verb, not at the brand: “The Insurer underwriting the Insurance Policy is Foyer Global Health S.A., a health insurance company established in Luxembourg under the form of a public limited liability company (société anonyme) … registered under no. B134.471 in the Luxembourg Trade and Companies Register” (page 3), confirmed by the Glossary entry “Insurer” (page 36) and by the colophon “Foyer Global Health S.A. … R.C.S. Luxembourg B 134.471” (page 44). No other entity is named as bearing the risk; no claims manager, assistance company, broker or distributor is named anywhere in the document. This matches the insurer_slug given in the task, so no divergence to report.
• The document carries a second, purely commercial brand that is NOT the risk carrier: the website www.globality-health.com, the addresses feedback@globality-health.com and service-travel@globality-health.com, the “My Globality” out-of-court complaint procedure (page 33) and the Emergency Hotline. The privacy policy is nevertheless hosted at www.foyerglobalhealth.com/privacy/ (page 43). Only Foyer Global Health S.A. is stated to underwrite.
• Edition date: the document prints no “edition MM/YYYY” wording. reference is the footer code printed on the last page, “CTI GCI 10.24” (page 44), and edition_date is the date part of that code as printed (“10.24”). Note the divergence: the source filename and the PDF’s own InDesign metadata title both read “…_EN_0924” (September 2024) where the printed page reads 10.24. The printed document was preferred over the filename and over the metadata, per the repository rule.
• target_audience left null on purpose. The enum is single-valued and the document describes two distinct roles it cannot both carry: the Policyholder/subscriber is “the company with whom the Insurer has concluded the Group Contract” (page 4), while the Insured Persons/beneficiaries are “All employees of a Policyholder travelling on Business trips … The marital or non-marital partner and children accompanying the Insured Person … may also be insured” (page 3). The Glossary definition of “Corporate travel” additionally covers “an independent professional, a managing director, board member or other person not subject to instructions from a Policyholder” (page 34). The document’s own wording is kept in target_audience_note.
• Overview of Scope of Benefits (page 9): the membership marks are VECTOR DRAWINGS and produce no text at all — page.get_text("text") returns the row labels, the five column headers, the printed amounts and the legend words, but nothing that says which Plan includes what. The matrix was recovered from page.get_drawings() and confirmed on a 5× render. Two mark shapes, distinguished by geometry first and colour second: a circled tick (circle 12.9 × 12.9 pt plus a check 7.2 × 5.6 pt, stroke RGB 0/0.301/0.?) = “covered/paid in full”; a grey cross (two strokes of 9.3 × 9.3 pt, stroke RGB 0.655/0.664/0.?) = “not covered”. Column assignment by x-centre against the header x-positions (Essential 316.5, Classic 370.4, Care 424.2, Plus 478.1, Premium 532.0 pt). Arithmetic closes exactly: 8 rows × 5 columns = 40 cells = 34 ticks + 6 crosses + 0 blanks, matching 34 circle shapes, 34 check shapes and 12 cross strokes (2 per cross) in the drawings layer, plus one tick and one cross in the legend. Result: sections A and B are covered in all five Plans; sections C, D, E, F, G and H are “not covered” in the Essential Plan and covered in Classic, Care, Plus and Premium. These facts are in the structured fields only — they are not text and cannot appear in key_quotes.
• Row B (Domestic Travel Insurance) of the page 9 overview carries a tick in all five Plans but NO monetary amount in any column; the applicable caps are only in Appendix 1 (page 39). Row A carries a tick plus the word “Unlimited” in all five columns.
• Verification of the source text: the 44 pages were re-extracted with page.get_text("text") from the local PDF (data/lu/pdfs/foyer-global-health/voyage/corporate-travel-476cf68a.pdf) and are byte-identical to the page-annotated text supplied in the prompt, page by page. The prompt was not truncated: it ends on page 44 with the closing marker.
• Text-layer defect checks all came back NEGATIVE on this document and are reported as such: no zero-width spaces, no soft hyphens, no NFD combining accents, no Private-Use-Area (Wingdings) glyphs, no U+0007 (vectorised text), no white-on-white or off-canvas text, no enciphered font. The fi/ff/fl ligatures survive (“définitions”-class words are intact). The € glyph is present 49 times, so tabulated amounts kept their currency. Seven words are split by a real hyphen at a line break (pages 4, 7, 11, 31, 33, 37, 38); the quotes were routed around them.
• Two-column layout check, run on this document rather than assumed: every body page is set in two columns (x0 ≈ 36 pt and x0 ≈ 309 pt) and the text layer emits the LEFT column in full before the RIGHT column on every page, with continuous clause numbering across the break. No column reversal and no line-by-line interleaving. Attachment of items to their headings was therefore taken from the flat order, confirmed against the block coordinates.
• Reading-order quirk that a sequential reader would get wrong: on pages 27 and 28 the green section headings — “IV. Limited obligation to pay Benefits” (printed at y ≈ 66 pt, top of page 27) and “V. Points to note when an Insured Event occurs” (y ≈ 70 pt, top of page 28) — are emitted LAST in the text layer, after the body of their own section. Confirmed on a render of page 27. The seven numbered rules on page 27 are therefore the general exclusions of section IV, not a continuation of section H; they are recorded as such.
• The printed folio equals the PDF page number throughout (offset 0), verified by anchor: the table of contents on page 2 announces “Glossary … 34” and the Glossary indeed begins on PDF page 34; page 9 carries folio 9, page 38 carries folio 38. Page 1 (cover) and page 44 (back cover) carry no folio. All page values in this extraction cite the [page N] markers.
• Internal contradiction on the € 1,000 dental limit, both readings recorded: the body (section A. 2.2, pages 10-11) attaches “a combined limit for D) and E) up to € 1,000 for each Insured Event” to D) Pain-relieving dental treatment including basic dental fillings and E) Repair of existing dentures and existing dental-prostheses. Appendix 1 (page 38) instead prints a merged cell “Combined limit up to EUR 1,000*” spanning the rows “Drugs, medicines and bandages” and “Pain-relieving dental treatments including basic dental fillings”, and gives “Repair of existing dentures and existing dental-prosthesis” its own value “Paid in full”. The merged-cell geometry was confirmed on a 6× render. Neither reading was silently preferred.
• Internal contradiction on Pandemics, both readings recorded: section IV. 1 (page 27) lists Pandemics among the damages for which “The Insured Person is not covered by insurance”, while section A. 1.3 (page 10) states “Notwithstanding section IV.1 below, the Insurance Policy also covers Pandemics.” The document does not reconcile the two beyond that cross-reference.
• Travel Curtailment has no chapter in the body of the GTCs. Section E of the detailed scope (pages 16-19) is headed “Travel Cancellation” only, and the numbered clauses 1 to 12 concern cancellation, delayed start, car breakdown, agency fees, rebooking and visa fees. The curtailment benefits — pro rata travel price for unused services, additional costs for return trip, car breakdown/hire car, additional accommodation for inpatient and outpatient treatment, unused travel services in case of inpatient services, cost to reach the next destination, unscheduled return trip and extension of stay due to fire or natural events, and delay of more than 12 hours due to strike or accident — exist ONLY as rows of the Appendix 1 benefits table (pages 39-40). They are recorded as coverages with their Appendix 1 limits and their Appendix 1 page numbers; the document gives them no descriptive text, no trigger conditions and no exclusions.
• Benefits announced in the page 9 overview but never described in the body: for section D, “Legal protection in the event of criminal prosecution, fees and court fees, legal fees in the event of imprisonment / imminent imprisonment, refundable deposit payment, assumption of costs for rental car deductible and cash advance in the event of lost or stolen means of payment” — the body of section D (pages 14-16) describes personal liability only and never mentions imprisonment, deposits, rental car deductibles or cash advances. For section G, “Disappearance and search and Rescue and property damage to the Insured Persons” — the body of section G (pages 20-24) contains no disappearance benefit and no property-damage benefit, and search/rescue/recovery is a section A benefit (page 13). For section H, “credit card fraud” is announced but not described in the body. No limits were invented for these items.
• Numbering defects in the source, left uncorrected: section II. 8 jumps from 8.2 to 8.4 with no 8.3 (page 7); section F. 4 numbers two consecutive paragraphs “4.3” (page 20); section III. iii (page 10) refers to “points 1 and 2” and “points 3 to 14 in the overview in section III. ii.” whereas that overview has eight rows lettered A to H, so the cross-reference cannot be resolved against the printed table.
• Printing/typing defects in the source, preserved verbatim and not repaired: “Note: The Overview of Scope pf Benefits above …” (page 9); “Supporting docuemts required” in the Appendix 2 table header (pages 41-43); “Up to EUR 20, 000/*” with a space inside the number (page 40) against “€ 20,000” in the body (page 23); “Before return of moral remains” for mortal remains (page 14); “its employers is required” (page 19); “the Insurer determine the scope” (page 22); “Breakage of prostheses (Excluding dental protheses)” (page 20). Amounts are quoted exactly as printed, including the mixed “€ 1,500” / “€1,500” / “EUR 1,500” / “€ 1.000” spacing conventions used in different parts of the document.
• Two different telephone numbers are printed for reaching the Insurer and no reconciliation is given: the Emergency Hotline is “+352 2704441014” (Appendix 2, page 41), while the general lines are “+352 270 444 35 01” (page 44) and “+352 270 444 3501” (complaints, page 32). Both were kept as printed.
• Sums insured, Plan and deductible are not fully determinable from this document alone. Which Plan applies is “governed by the Group Contract”, any deviation to the Plans is “agreed between the Insurer and the Policyholder and reflected in the Group Contract”, deductibles apply only “If the Policyholder has chosen coverage with a deductible” and “Any deviations to the deductible amount outlined in Appendix 1, will be captured in the Group Contract”. The Group Contract is not part of this PDF and prevails over these GTCs in case of discrepancy.
• Several luggage sub-limits are expressed as a percentage of the Plan limit (50 % for electronics, 50 % for jewelry and valuables, 50 % for sports equipment, 10 % for presents and souvenirs, page 25-26). They are recorded as printed; they cannot be resolved into amounts without knowing the Plan.
• Section I. 1 states that “Insurance cover is conditional upon the Policyholder’s main place of business and the Insured Person’s place of work” (page 3) without saying what the condition is. Left as stated.
• No premium amount, rate or tariff appears anywhere in the document; only the payment mechanics and the legal basis for tariff changes are given. premium records the mechanics only.
• This is an English-language file, 44 pages, entirely in English; it is not a multilingual file and contains no clause designating an authoritative language version. Section II. 8.1 only provides that the documents are submitted “in English or German, unless otherwise specified in the Group Contract”. Nothing was completed from any German or French sibling document; every field and every quote comes from this file alone.
• Depth declaration: the Glossary (pages 34-37, 45 terms), the general exclusions (page 27), and the per-section exclusion lists of sections A, B, D, E, F, G and H were transcribed exhaustively item by item. The Appendix 1 benefits table (pages 38-40) was transcribed row by row into coverages limits and into deductibles.per_coverage. The Appendix 2 claims table (pages 41-43) was transcribed section by section into claims_procedure. The degrees-of-disability scale (page 21, 24 entries) was transcribed in full into the limits of the permanent disability coverage, after checking each percentage against its label by y-coordinate rather than by flat reading order.

Source & fidélité

• Source : https://globalhealth.insurance/wp-content/uploads/2025/12/Globality_Corporate_Travel_GCI_EN_0924.pdf - téléchargé le 2026-08-04 - 44 pages
• Extraction : claude-code-subagent:scale · prompt v1.1
• ⚠️ Ceci n'est pas le document officiel de l'assureur et peut contenir des erreurs d'extraction. Information, non un conseil - vérifiez toujours par rapport au document source.