Globality YouGenio® World EN

Résumé

General Conditions of Insurance for the Globality YouGenio® World international private medical insurance plan of Foyer Global Health S.A. (Luxembourg), designed for expatriates staying abroad for at least three months. The plan has four plan levels - Essential, Classic, Plus and Top - covering inpatient, outpatient, dental, medical assistance and additional assistance benefits, with annual overall limits from € 2,000,000/ $ 2,600,000/ £ 1,680,000 (Essential) to € 7,500,000/ $ 9,750,000/ £ 6,300,000 (Top). Cover applies in geographical area I (worldwide including USA) or II (worldwide excluding USA); maximum sums are doubled under geographical area I. Pre-existing medical conditions are not covered unless included at application or through the moratorium clause, and waiting periods apply to maternity, psychiatric treatment, psychotherapy, infertility treatment and major dental services.

• Assureur : Foyer Global Health · Branche : Complémentaire santé · Type : Conditions générales

Définitions

Terme	Définition	Page
Accident	An accident is a sudden and unexpected event acting on the body externally and which damages health.	p. 41
Accidental dental treatment	Treatment received immediately after an accident and within 30 days following the date of the accident for damage to your sound natural tooth/teeth.	p. 41
Acupuncture	A method where thin needles are pricked into the body to heal illnesses or help relieve pain. In conventional medicine, it is mainly approved for treating pain.	p. 41
AIDS	Acquired Immune Deficiency Syndrome, which is a serious disorder of the immune system.	p. 41
Annual overall limit	The maximum which will be paid for all benefits in total for each insured person, each insurance year.	p. 41
Application	The application for insurance is filed for you and the other insured persons using an application form we have provided.	p. 41
Assistance company	An assistance company specialises in giving the insured person help and advice in emergencies or during hospital stays. It also provides other services to make your stay easier in the foreign country and handles refunding certain costs, such as the cost of return transport. The full range of services is set out in the scope of benefits.	p. 41
Cancer	The general term used for all malignant disorders caused by the uncontrolled multiplication of mutated cells (new growths or tumours). These cells can destroy the surrounding tissue and produce metastases (secondary growths).	p. 41
Chiropractic	A system of diagnosis and treatment based on the idea that the nervous system co-ordinates all of the body's functions, and that disease results from a lack of normal nerve function. A chiropractor uses manipulation to change body structures, such as the spinal column, to relieve pressure on nerves coming from the spinal cord caused by a vertebrae being displaced.	p. 41
Computed tomography (CT)	Computed tomography (CT) is a diagnostic procedure that uses special x-ray equipment to get crosssectional pictures of the body. The CT computer displays these pictures as detailed three-dimensional images of organs, bones, and other tissues. This procedure is also called CT scanning, computerized tomography, or computerized axial tomography (CAT).	p. 41
Congenital	Present at birth.	p. 41
Congenital condition	Any disease or illness, abnormality, birth defect, premature birth or malformation present at birth including any related condition, whether diagnosed or not.	p. 41
Conventional medicine	The form of medicine based on accepted scientific methods which are taught at universities and so are generally acknowledged and used.	p. 41
Country of departure	The country in which you permanently lived before your stay abroad.	p. 41
Country of residence	Any country where you are considered by the relevant authorities to be a resident.	p. 41
Critical illness	Heart attack; multiple sclerosis; AIDS and HIV; stroke; hepatitis A, B and C; tuberculosis; Parkinson's disease; cholera; diphtheria; malaria; tetanus; typhus and paratyphus. Essential plan: We will only refund outpatient expenses for any of the illnesses mentioned above if treatment is given immediately after an inpatient treatment. A combined limit of cover per insurance year applies for all listed conditions.	p. 41
Daycare	Daycare refers to the treatment received in hospital without involving an overnight stay. The length of stay in hospital is between eight and 24 hours.	p. 42
Deductible	The effect of a deductible is that the insured person bears a certain portion of the costs. The deductible is the share to be borne by the insured persons, up to an agreed limit. If a deductible has been agreed, this will be shown in the insurance policy (see 4.1).	p. 42
Dentist	A therapist who mainly deals with disorders of the teeth and mouth.	p. 42
Dialysis	Dialysis is primarily used to provide an artificial replacement for lost kidney function (renal replacement therapy) due to kidney failure. Dialysis may be used for sudden but temporary loss of kidney function (acute renal failure) or for persons who have permanently lost their kidney function (end-stage kidney disease). Dialysis is done in dialysis units which are part of hospitals and clinics or at home.	p. 42
Doctor	A medical professional (general practitioner or specialist) or someone who holds a medical diploma who is licensed to practise medicine in the country in which treatment is provided. You can choose any doctor who meets these conditions.	p. 42
Domestic help	Part of the nursing care provided at home. It includes help with the usual, recurrent tasks of everyday life associated with running a home, such as shopping, cooking, cleaning the home, washing-up, changing clothes and washing the laundry, as well as heating the home.	p. 42
Dressings	The material used for dressing wounds.	p. 42
Drugs	Active agents which are administered alone or with other substances to treat illnesses, disorders, disabilities or pathological conditions. Foods, cosmetics, and body-care articles are not recognised as drugs. Drugs must be prescribed by a doctor and must be from a pharmacy. Medication, medicine and pharmaceuticals are the same thing.	p. 42
Eclaim	A claim which you made online through the Eclaims tool.	p. 42
Eclaims tool	The online claims tool which offers online services so you can get a refund for eligible medical expenses.	p. 42
Emergency	A sudden, acute illness or the acute deterioration of some aspect of health directly putting the insured person's general state of health at risk.	p. 42
Follow-up rehabilitation	A medical treatment aiming at recovering the initial state of health after an illness or serious surgery, for example following bypass surgery, cardiac infarction, transplants and surgery involving large bones or joints, or after a serious accident.	p. 42
Geographical area	We provide insurance cover for the following geographical areas. Geographical area I: Worldwide including the USA. Geographical area II: Worldwide excluding the USA.	p. 42
Globality Service Card	Please present your Globality Service Card in all cases as it identifies you to doctors, pharmacists, dentists or hospitals as a patient with worldwide premium private insurance. That way you ensure that direct settlement of the cost options are identified.	p. 43
Globality Health service centre	The Globality Health service centres on the ground offer direct access to local specialists, seamless service and first-class support. You can claim help services in line with the plan level you have chosen whenever an insured event or emergency happens. Call the number indicated on the reverse of your Globality Service Card to contact your service centre - 24 hours a day, 7 days a week. Globality Health service centres are familiar with the healthcare system and the local structures of your new country of residence. They will recommend doctors and hospitals, make appointments or procure medication. Your service centre can give a guarantee for payment or will ensure for the quick and straightforward reimbursement of costs.	p. 43
Home country	The country where the insured person is a citizen or national of or has habitual/permanent residence or where their mortal remains will be sent if they die.	p. 43
Homeopathy	A homeopath proceeds on the assumption that an illness which produces certain symptoms can be healed with remedies which produce similar symptoms in healthy people.	p. 43
Hospice	An institution where the only purpose is to care for patients with limited life expectancy for whom curative treatment is no longer available. It aims to offer the best possible quality of life by using palliative care.	p. 43
Hospital	An institution for inpatient and sometimes outpatient treatment which is approved and licensed in the country in which it operates. We will only pay benefits if the hospital is under constant medical management, has adequate diagnostic and therapeutic facilities and keeps medical records. We do not consider convalescent and nursing homes, health centres, health resorts and spas, hospices as well as sanatoriums as hospitals.	p. 43
Hydrotherapy	A specific treatment using water outside the body.	p. 43
ICD	The International Classification of Diseases is an international system for encoding and classifying all known diagnoses.	p. 43
Implants	Dental implants (metal or ceramic) which are embedded as a substitute for the root of a tooth or in the toothless jaw.	p. 43
Inpatient treatment	Treatment for which, based on medical reasons, a patient has to stay in a hospital bed overnight or longer (more than 24 hours).	p. 43
Insurance policy	The application form, the general conditions of insurance, the special conditions and any possible additions to them.	p. 43
Insured person	The insured persons are all those covered by the insurance, for example, you and your husband, wife or partner and children.	p. 43
Magnetic resonance imaging (MRI)	A diagnostic technique in which radio waves generated in a strong magnetic field are used to provide images of the body's tissues and organs.	p. 43
Maximum outpatient limit	This is the maximum amount which we will pay for all outpatient benefits in total, per person, per insurance year for that particular insurance plan, unless we say otherwise in the scope of benefits.	p. 43
Medical condition	Any illness, disease, injury or any physical, mental or psychological abnormality as well as pregnancies.	p. 43
Nutritional and/or dietary supplements	Products used to boost the nutritional content of the diet, including vitamins, minerals, herbs, meal supplements, sports nutrition products, natural food supplements.	p. 44
Oncology	A subsection of medicine which deals with diagnosing and treating malignant tumours and related illnesses.	p. 44
Osteopathy	The manual diagnosis and therapy of problems in the locomotor system, internal organs and nervous system. It is mainly used for treating chronic pain of the spinal cord and peripheral joints.	p. 44
Outpatient treatment	Any treatment given by a qualified and licensed medical professional which does not need an overnight stay (also hospital stays for less than eight hours).	p. 44
Palliative medicine	Provides relief from pain and other distressing symptoms to improve the quality of life, and may also positively influence the course of an illness. It also describes the comprehensive and acute treatment given to patients whose life expectancy is limited, whose illness can no longer be cured and for whom the purpose of treatment is to achieve the best possible quality of life for the patient and their relatives.	p. 44
Policyholder	You are the policyholder, as you have concluded the insurance contract with us.	p. 44
Positron emission tomography (PET)	An imaging process where a radioactive substance is injected into the body and tracked on a scan to give an internal picture of the body. The concentration of this kind of 'marker' in a tumour can also be measured.	p. 44
Pre-existing medical conditions	A medical condition that has existed before the start date of health insurance cover with us. For the purpose of this definition, medical condition means: any medical, dental condition or related condition for which you have received medical treatment for, had symptoms of, asked advice on, consulted any doctor for medical treatment (including check-ups), or taken medication for (including drugs, medicines, special diets or injections), or to the best of the person's knowledge already existed at the start of the insurance; or pregnancy, childbirth, postpartum complications and related consequences. We treat conditions arising between filling in the application form and us confirming that we accept the application as 'pre-existing'.	p. 44
Professional sports	Any sports you are being paid for taking part in.	p. 44
Prophylactic measures	Preventive measures which include individual and general measures to avoid the threat of illness (for example, vaccinations, passive immunisation, preventive medication when travelling to dangerous areas, preventing accidents and so on).	p. 44
Repatriation	If a medical necessary treatment for which you are covered is not available locally, we cover your return to your home country for treatment, rather than to the nearest appropriate medical centre. This only applies when your home country is located within your geographical area of cover.	p. 44
Second opinion	The medical advice given by a second independent doctor not involved in the treatment. You can also consult a second doctor through your relevant Globality Health service centre to get a second opinion if potentially fatal illnesses or serious permanent disabilities are involved.	p. 44
Substitute hospital cash plan benefit	If you do not claim any benefits from us for medically necessary inpatient treatment covered by the insurance, we will instead pay a substitute hospital cash plan benefit for every day actually spent in hospital for the medically recommended inpatient treatment. This is in line with the plan level you have chosen.	p. 44
Therapist	A doctor, but also anyone who has received in-depth training in their field and is licensed or authorised to give treatment in the country in which treatment is provided. This includes practitioners of complementary medicine, speech therapists and midwives and obstetric nurses, as well as members of state-approved assistant medical professions with their own practice, such as masseurs and physiotherapists. You can choose any therapist who meets these conditions.	p. 45
Treatment	The diagnostic and therapeutic measures to be carried out by the doctor to identify, help relieve or heal a disorder, illness or injury. A course of treatment is seen as medically necessary if it could reasonably be considered medically necessary in the light of independent medical and scientific findings at the time of treatment.	p. 45
Usual, customary and reasonable	The amount or most usual charges for a particular medical service rendered in a particular geographic area, at a particular medical service provider.	p. 45
Us, We	Foyer Global Health S.A.	p. 45
Waiting period	The time, beginning on your insurance start date or policy entry date, during which we will not pay for certain benefits.	p. 45
You, Your	Policyholder	p. 45
Insured event	An insured event is defined as the medically necessary treatment (see 6.1) you need due to an illness, an accident and other events shown in the general conditions of insurance (see 4.3 to 4.8). The insured event begins with treatment and ends when medical findings show that you no longer need treatment. If you need treatment for an illness, an accident and other events shown in the general conditions of insurance which was not related to the original event, we will treat this as a new insured event.	p. 6
Medically necessary	Medically necessary are all appropriate medical measures, 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; g) not for screening and preventive care purposes.	p. 6

Garanties

Annual overall limit - p. 10

The maximum which will be paid for all benefits in total for each insured person, each insurance year. - Optionnelle : non · Limite : Essential: € 2,000,000/ $ 2,600,000/ £ 1,680,000 - Classic: € 3,000,000/ $ 3,900,000/ £ 2,520,000 - Plus: € 5,000,000/ $ 6,500,000/ £ 4,200,000 - Top: € 7,500,000/ $ 9,750,000/ £ 6,300,000 - Condition : Insured in the Essential, Classic, Plus and Top plan levels. - Condition : All amounts apply per person per insurance year unless we say otherwise. - Condition : If you are covered under geographical area I (worldwide including USA) we will double the maximum sums and lump sums shown in 4.3, 4.4, 4.5 and 4.6 (whether the treatment takes place in the USA or not).

Accommodation in a private or semi-private room - p. 10

If you need inpatient treatment - including pre-hospital, post-hospital and daycare, you must go to a recognised hospital in the country you are being treated in. Accommodation means standard private or semi-private accommodation as shown in the table of benefits. We will pay benefits up to the annual overall limit for the time you need medically necessary inpatient treatment. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels. - Condition : The hospital must be run under constant medical management, have suitable diagnostic and therapeutic facilities and keep complete medical records. - Condition : We will not cover any sort of deluxe rooms, executive rooms and suites. - Condition : You or the insured person must contact the relevant Globality Health service centre, shown on your Globality Service Card, before or when the insured person is admitted to hospital. If this does not happen, we might not pay the full claim.

Consultations and diagnostic services, including pathology, radiology, computed tomography (CT), magnetic resonance imaging (MRI), positron emission tomography (PET) and palliative medicine (inpatient) - p. 10

Eligible claims include all expenses for examination, diagnosis and therapy which are seen as medically necessary inpatient treatment. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Hospital charges, including operating theatres, anaesthesia, intensive care wards and laboratories - p. 10

These are defined as the extra costs for the using special facilities, such as operating theatres, intensive-care wards and laboratories. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Surgery and anaesthetics - p. 10

We will refund the expenses for services needed in this context, such as medical services, anaesthesia and using special facilities, if directed by a specialist. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Outpatient surgery instead of inpatient treatment - p. 10

Elective surgery which is usually performed as an inpatient procedure, but where there is an option for the surgery to be carried out on an outpatient basis. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels. - Condition : This benefit does not include surgeries which are grade 1 or minor (any invasive operative procedure in which only skin or mucus membranes and connective tissue are resected) or invasive operative procedures for procurement of tissue samples or bodily fluids (such as biopsies and colonoscopies).

Drugs and dressings (inpatient) - p. 10

These must be prescribed by a hospital doctor or dentist alongside inpatient treatment. Drugs must also be dispensed by a pharmacy, hospital pharmacy or other officially approved dispensary. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Physiotherapy, including massages (inpatient) - p. 10

Physiotherapy and massages must be prescribed by a hospital doctor alongside inpatient treatment and carried out by a doctor or a professional therapist. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels. - Condition : The prescription must have been issued before treatment begins and must specify the diagnosis, nature and number of sessions needed.

Therapies, including occupational therapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy (inpatient) - p. 10

These physical-medical services must be prescribed by a hospital doctor alongside inpatient treatment and carried out by a doctor or professional therapist. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels. - Condition : The prescription must have been issued before treatment begins and must specify the diagnosis, nature and number of sessions needed.

Therapeutic aids and appliances (inpatient) - p. 10

Eligible expenses include those for therapeutic aids and appliances which are designed to serve as a life-saving measure or which directly help relieve physical disabilities, such as cardiac pacemakers, artificial limbs and prostheses (but not dentures). - Optionnelle : non · Limite : Essential, Classic and Plus: such as cardiac pacemakers, if needed as a life-saving measure - Plus additionally: up to € 2,000/ $ 2,600/ £ 1,680 For therapeutic aids and appliances, such as artificial limbs and prostheses - Top: no limit stated in the scope of benefits - Condition : Insured in the Essential, Classic, Plus and Top plan levels. - Condition : They must be fitted during the stay in hospital and stay in or on your body. - Condition : We will refund expenses for repairing therapeutic aids and appliances within the scope of these conditions during the insured period.

Maternity care and childbirth, services of a midwife or obstetric nurse in the hospital - p. 11

We will refund the eligible expenses for childbirth, pregnancy or pregnancy-related illness in a hospital, maternity home or similar institution, the expenses for nursing at home or domestic help resulting from pregnancy or pregnancy-related illness and midwife or obstetric nurse services. - Limite : Plus: up to € 5,000/ $ 6,500/ £ 4,200 - Top: up to € 20,000/ $ 26,000/ £ 16,800 - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Waiting period of 12 months (for two or more insured adults); waiting period of 24 months (for one insured adult). - Condition : Midwife services during delivery are covered only in the case of midwife led birth. Doctor fees are not covered in these cases unless medically required following a complication during birth. - Condition : Medically prescribed nursing at home is covered following an inpatient delivery after discharge from the hospital within 24 hours; Globality Health reimburses such costs for up to 5 consecutive days following the delivery. - Condition : Any non-medically necessary caesarean sections will be covered up to the cost of an eligible routine delivery in the same hospital, up to the maximum limit in accordance with the selected plan level.

Complications of pregnancy and childbirth (inpatient) - p. 11

We will refund the eligible expenses for premature birth, miscarriage, an abortion which is medically necessary, stillbirth, ectopic pregnancy, hydatidiform mole, caesarean section, post-partum haemorrhage, retained placental membrane and complications following any of these conditions. - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Waiting period of 12 months (for two or more insured adults); waiting period of 24 months (for one insured adult).

Newborn care - p. 11

Treatment of a routine or acute medical condition being suffered by a new born baby, and which manifests itself within 30 days following birth, is covered under the new born benefit of the child's policy and not under any other benefit on the policy. - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Complications of assisted conception or childbirth, including premature or multiple births, are excluded from this benefit. - Condition : Newborn babies are insured from the moment of birth, without qualifying periods, as long as the birth mother has been insured under the Globality YouGenio® World plan on the date of birth for at least six months in a row before birth and we receive the application for insurance within two months. - Condition : The insurance cover for the newborn baby must not be greater or more comprehensive than that of one of the insured parents. - Condition : For an adopted minor child, medical underwriting applies. We may charge an extra premium of not more than 500 % for insurance medical reasons as well as the plan premium following an assessment of the risk.

Congenital conditions - p. 11

We will refund the eligible expenses for any disease or illness, abnormality, birth defect, premature birth, malformation present at birth including any related condition, whether diagnosed or not. - Optionnelle : non · Limite : Essential, Classic, Plus and Top: up to a maximum of € 150,000/ $ 195,000/ £ 126,000 per lifetime - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Cancer treatment, oncological drugs and treatment, including reconstructive surgery for breast cancer - p. 11

We will refund the eligible expenses for medical treatment, diagnostic tests, radiation therapy, chemotherapy, drugs and hospital costs linked to inpatient treatment as well as reconstructive surgery for breast cancer. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Dialysis - p. 11

We will refund the eligible expenses for dialysis including necessary medication and all related costs up to the lifetime limit. Eligible expenses include treatment on an inpatient, outpatient and daycare basis. - Limite : Classic, Plus and Top: up to a maximum of € 2,000,000/ $ 2,600,000/ £ 1,680,000 per lifetime - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level.

Bone marrow and organ transplants (costs for donor and receiver) - p. 11

In the case of bone marrow or organ transplants (for example heart, kidney, liver and pancreas), we will refund the eligible expenses for both the person receiving the transplant and the donor. Eligible expenses are defined as the costs incurred by the donor in conjunction with getting the organ, the cost of transporting the organ to the patient and the expenses for hospital accommodation of the donor if necessary. - Optionnelle : non · Limite : Essential: up to a maximum of € 100,000/ $ 130,000/ £ 84,000 per lifetime - Classic: up to a maximum of € 150,000/ $ 195,000/ £ 126,000 per lifetime - Plus: up to a maximum of € 200,000/ $ 260,000/ £ 168,000 per lifetime - Top: no limit stated in the scope of benefits - Condition : Insured in the Essential, Classic, Plus and Top plan levels. - Condition : Not covered: the cost of finding the organ to be transplanted or a suitable donor.

Psychiatric treatment (inpatient) - p. 11

We will refund the expenses for inpatient psychiatric treatment if we have agreed in writing to refund these costs before treatment begins. - Limite : Plus: Up to 20 days if pre-approved - Top: Up to 40 days if pre-approved - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : A waiting period of 10 months applies.

Inpatient psychotherapy - p. 12

We will only refund the costs of inpatient psychotherapy if the treatment is provided by a psychiatrist, psychotherapist or other specialist with appropriate qualifications in the field of psychiatry, psychotherapy or psychoanalysis. We must also agree to these costs in writing before treatment begins. - Limite : Plus: Up to 20 sessions if pre-approved - Top: Up to 40 sessions if pre-approved - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : A waiting period of 10 months applies.

Parent accommodation during inpatient treatment of a minor child - p. 12

We will refund the extra costs for accommodation for one parent staying with a child under the age of 18. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Nursing care at home and domestic help, instead of a hospital stay - p. 12

We will refund the eligible expenses of medically necessary nursing at home and domestic help by trained nursing staff instead of the medically recommended hospital stay or to shorten the time spent in hospital. - Limite : Classic: up to 30 days if pre-approved - Plus: up to 60 days if pre-approved - Top: up to 90 days if pre-approved - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level. - Condition : These costs will only be refunded if we have agreed to refund them in writing before treatment begins.

Nursing care at home after childbirth, instead of a hospital stay - p. 12

• Limite : Plus and Top: up to 5 days if pre-approved
• Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels.

Substitute hospital cash plan benefit - p. 12

Cover is provided, up to the amount shown in the scope of benefits, for any covered inpatient treatment actually received, but for which you have not claimed any benefits. - Optionnelle : non · Limite : Essential: € 50/ $ 65/ £ 42 per day - Classic: € 75/ $ 97.50/ £ 63 per day - Plus: € 150/ $ 195/ £ 126 per day - Top: € 200/ $ 260/ £ 168 per day - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Inpatient follow-up rehabilitation - p. 12

We will refund the expenses for inpatient follow-up rehabilitation to continue the medically necessary inpatient hospital treatment (for example after bypass surgery, cardiac infarction, transplants and surgery involving large bones or joints) if we have agreed to this in writing beforehand. - Optionnelle : non · Limite : Essential and Classic: up to 21 days if pre-approved - Plus and Top: up to 28 days if pre-approved - Condition : Insured in the Essential, Classic, Plus and Top plan levels. - Condition : Inpatient follow-up rehabilitation must in all cases begin within two weeks of being discharged from hospital.

Hospice - p. 12

We will refund the expenses for accommodation, nursing care and support if outpatient care at home or in a family member's home is not possible. - Limite : Classic, Plus and Top: up to 7 weeks - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level. - Condition : The hospice must work together with nursing staff and doctors with experience in palliative medical care and be operated under the professional supervision of a suitably qualified nurse. - Condition : We only grant benefits for full- or part-time inpatient hospice care if the insured person is suffering from an illness which is progressive and has already reached an advanced stage, is incurable so that inpatient palliative care has become necessary, and only gives a life expectancy of weeks or a few months. - Condition : We pay hospice benefits for, among others, the following illnesses: Cancer in advanced stages; Fully developed infectious AIDS; Disorders of the nervous system, with progressive paralysis which cannot be stopped; Chronic kidney, liver, heart, digestive or pulmonary illness in a terminal stage.

Daycare - p. 12

Daycare refers to the treatment received in hospital without involving an overnight stay. The length of stay in hospital is between eight and 24 hours. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Transport to the nearest suitable hospital for initial treatment following an accident or an emergency - p. 12

We will reimburse usual, customary and reasonable costs of transport to the nearest appropriate hospital or medical facility. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Return to country of residence after repatriation - p. 12

We will pay the costs of transport (first-class railway travel, economy-class flight) up to the maximum shown in the scope of benefits. - Limite : Plus and Top: up to € 1,500/ $ 1,950/ £ 1,260 - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Only if you have contacted the relevant Globality Health service centre beforehand.

Inpatient dental treatment - p. 12

We will reimburse costs for complex oral surgical procedures with a greater than average incidence of life threatening complications, such as congenital jaw deformities (e.g. cleft jaw), fractures of the jaw and tumors. - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels.

Emergency dental treatment - p. 12

Emergency in-patient dental treatment refers to a serious accident requiring hospitalization (e.g. reconstruction of the jaw following accidental injury). - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level. - Condition : The treatment must be received within 24 hours of the emergency event. - Condition : Cover under this benefit does not extend to follow-up dental treatment, dental surgery, dental prostheses or implants, orthodontics or periodontics. - Condition : The treating doctor has to specifically confirm that the in-patient dental treatment is a consequence of a serious accident and the occurrence of the accident must be proved through a corresponding medical or police report.

Maximum outpatient limit - p. 13

This is the maximum amount which we will pay for all outpatient benefits in total, per person, per insurance year for that particular insurance plan, unless we say otherwise in the scope of benefits. - Limite : Essential: reimbursement excluded from the scope of benefits - Classic: € 7,500/ $ 9,750/ £ 6,300 - Plus: € 15,000/ $ 19,500/ £ 12,600 - Top: no limit stated in the scope of benefits - Condition : In the Classic and Plus columns of the scope of benefits this row carries the amount only, with no tick or cross symbol; the Essential column carries the cross and the Top column a tick.

Consultations and diagnostic services, including pathology, radiology, computed tomography (CT), magnetic resonance imaging (MRI), positron emission tomography (PET) and palliative medicine (outpatient) - p. 13

Eligible claims include all expenses for examination, diagnosis and therapy during medically necessary outpatient treatment. - Limite : Classic and Plus: Max. outpatient limit applies - Top: no limit stated in the scope of benefits - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level.

Critical illness, following inpatient treatment - p. 13

Critical illness covers heart attack, multiple sclerosis, AIDS and HIV, stroke, hepatitis A, B and C, tuberculosis, Parkinson's disease, cholera, diphtheria, malaria, tetanus, typhus and paratyphus. Under the Essential plan we will only refund outpatient expenses for any of these illnesses if treatment is given immediately after an inpatient treatment; a combined limit of cover per insurance year applies for all listed conditions. - Optionnelle : non · Limite : Essential: up to a combined limit of € 3,000/ $ 3,900/ £ 2,520 - Classic and Plus: Max. outpatient limit applies - Top: no limit stated in the scope of benefits - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Outpatient surgery - p. 13

Outpatient surgery which can be carried out by either a doctor or in a hospital, but which does not make it necessary to spend the night in hospital and need not be followed by a stay in hospital. - Limite : Classic and Plus: Max. outpatient limit applies - Top: no limit stated in the scope of benefits - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level.

Cancer treatment (outpatient) - p. 13

Eligible expenses include all measures needed for examination, diagnosis and therapy during outpatient medical treatment, chemotherapy and other oncological performances. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Health checks - p. 13

Routine health checks are tests or screenings that are carried out without any clinical symptoms being present: vital signs (blood pressure, pulse, respiration, temperature), lipid profile, cardiovascular exam, neurological exam, cancer screening, well-child test, diabetes test, HIV and AIDS test, gynaecological screening. - Limite : Plus: up to € 250/ $ 325/ £ 210* - Top: up to € 500/ $ 650/ £ 420 - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : * Max. outpatient limit applies (footnote marker used in the outpatient scope of benefits).

Maternity care and childbirth, services of a midwife or obstetric nurse (outpatient) - p. 13

We will refund the eligible expenses resulting from pregnancy or pregnancy-related illness, including standard routine maternity scans and tests. Coverage will also be granted for all medically necessary diagnostic tests, including amniocentesis and Chorionic Villus Sampling (CVS). - Limite : Plus: up to € 3,000/ $ 3,900/ £ 2,520* - Top: up to € 5,000/ $ 6,500/ £ 4,200 - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Waiting period of 12 months (for two or more insured adults); waiting period of 24 months (for one insured adult). - Condition : NIPT and all other forms of genetic testing are excluded. - Condition : Midwife services carried out by a licensed midwife are reimbursable in countries where it is common that routine pre-natal care is performed by a midwife, only if the costs for the same services have not been charged by a doctor. - Condition : In addition, we will cover 12 post-natal midwife home visits per pregnancy. - Condition : Doula services as well as pre-natal and post-natal classes are not reimbursable.

Complications of pregnancy and childbirth (outpatient) - p. 13

We will refund the eligible expenses for premature birth, miscarriage, abortion which is medically necessary, stillbirth, ectopic pregnancy, hydatidiform mole, caesarean section, post-partum haemorrhage, retained placental membrane and complications following any of these conditions. - Limite : Plus: up to € 3,000/ $ 3,900/ £ 2,520* - Top: no amount stated in the scope of benefits - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Waiting period of 12 months (for two or more insured adults); waiting period of 24 months (for one insured adult).

Outpatient childbirth cash benefit - p. 14

Outpatient childbirth is defined as either giving birth at home or leaving the hospital, maternity home or comparable institution after admission within 24 hours of childbirth. - Limite : Plus: Lump sum of € 250/ $ 325/ £210* for each new-born baby - Top: Lump sum of € 500/ $ 650/ £420 for each new-born baby - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : without proof of costs after presenting the birth certificate - Condition : We will pay the lump-sum childbirth allowance per newborn baby if we receive a birth certificate and, if it applies, a certificate issued by the medical provider confirming the length of stay.

Acupuncture (needle technique), homeopathy, osteopathy, chiropractic and traditional Chinese medicine - p. 14

We will refund the eligible expenses only if the treatment is provided by doctors or other therapists who can prove that they have received the training needed and are authorised to practise in the country in which treatment is provided. We will also refund the costs of drugs and dressings prescribed by these doctors or therapists during treatment. - Limite : Classic: up to € 1,000/ $ 1,300/ £ 840 - Plus: up to € 2,500/ $ 3,250/ £ 2,100 - Top: up to € 5,000/ $ 6,500/ £ 4,200 - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level.

Speech therapy - p. 14

We will refund the eligible expenses of medically prescribed exercises and therapy for treating voice and speech disorders, as long as the treatment is provided by a doctor or speech therapist. - Limite : Plus: if pre-approved* - Top: if pre-approved - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : We will only refund these costs if we have agreed in writing to refund them before treatment begins.

Psychiatric treatment (outpatient) - p. 14

We will refund the expenses for outpatient psychiatric treatment if we have agreed in writing to reimburse these costs before treatment begins. - Limite : Classic: up to € 1,000/ $ 1,300/ £ 840 if pre-approved - Plus: up to € 5,000/ $ 6,500/ £ 4,200 if pre-approved - Top: if pre-approved - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level. - Condition : Waiting period of 10 months.

Outpatient psychotherapy - p. 14

We will only refund the cost of outpatient psychotherapy if the treatment is provided by a psychiatrist, psychotherapist or other specialist with appropriate qualifications in the field of psychiatry, psychotherapy or psychoanalysis. - Limite : Plus: up to 10 sessions* if pre-approved - Top: up to 20 sessions if pre-approved - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Waiting period of 10 months. - Condition : We will only refund these costs if we have agreed in writing to refund them before treatment begins.

Drugs and dressings (outpatient) - p. 14

Drugs and dressings must be prescribed by a doctor or dentist. Drugs must also be dispensed by a pharmacy or other officially approved dispensary. - Limite : Classic and Plus: Max. outpatient limit applies - Top: no limit stated in the scope of benefits - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level.

Over-the-counter drugs (OTC) - p. 14

Over-the-counter (OTC) drugs can be purchased without a prescription and they are commonly used to treat symptoms of common illnesses that may not need for you to see a doctor. - Limite : Classic: up to € 50/ $ 65/ £ 42 - Plus: up to € 75/ $ 97.50/ £ 63 - Top: up to € 100/ $ 130/ £ 84 - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level.

Physiotherapy, including massages (outpatient) - p. 14

These physical-medical services must be prescribed by a doctor and carried out by a doctor or a professional therapist. - Limite : Classic: up to 15 sessions - Plus: up to 20 sessions - Top: no limit stated in the scope of benefits - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level. - Condition : The prescription must have been issued before treatment begins and must specify the diagnosis, nature and number of sessions needed.

Therapies, including occupational therapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy (outpatient) - p. 14

These physical-medical services must be prescribed by a doctor and carried out by a doctor or a professional therapist. - Limite : Plus: up to 10 sessions* - Top: no limit stated in the scope of benefits - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : The prescription must have been issued before treatment begins and must specify the diagnosis, nature and number of sessions needed.

Therapeutic aids and appliances (outpatient) - p. 14

Therapeutic aids and appliances must be prescribed by a doctor. Eligible expenses include the expenses for artificial limbs and organs, as well as orthopaedic and other therapeutic aids and appliances designed to prevent or help relieve physical disabilities: bandages, trusses, insole supports for shoes, walking aids, hearing aids, compression stockings, corrective splints, artificial limbs and prosthetics (but not dentures), plaster shells for lying and sitting, orthopaedic braces for arms, legs and the whole body. - Limite : Classic: up to € 1,000/ $ 1,300/ £ 840 - Plus: up to € 2,000/ $ 2,600/ £ 1,680 - Top: no limit stated in the scope of benefits - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level. - Condition : All other therapeutic aids and appliances are only eligible for reimbursement insofar as benefits have been approved in writing beforehand. - Condition : Expenses for reasonable maintenance (such as an annual service or replacing batteries) and reparation of therapeutic aids and appliances will be reimbursed within the scope of these provisions.

Wigs and prosthetic bras following cancer treatment - p. 15

Wigs and prosthetic bras for women following cancer treatment are reimbursed up to a maximum of € 300. - Limite : Classic: up to € 300/ $ 390/ £ 252 - Plus: up to € 300/ $ 390/ £ 252 - Top: up to € 300/ $ 390/ £ 252 - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level.

Vaccinations and immunization - p. 15

We will refund expenses for vaccinations and prophylactic measures recommended for your country of residence, including the cost of consultation for giving the vaccine, as well as the cost of the vaccine. - Limite : Plus: up to € 250/ $ 325/ £ 210* - Top: no limit stated in the scope of benefits - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels.

Nutritional consultations - p. 15

Eligible expenses for outpatient consultations with a nutritionist may be refunded upon diagnosis of a condition benefiting from nutritional advice enabling to better manage the diagnosed condition. Such conditions include cancer, eating disorders, gastrointestinal disease, heart disease and food intolerances and allergies. - Limite : Plus: up to € 125/ $ 162.50/ £ 105* - Top: up to € 250/ $ 325/ £ 210 - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : These services must be prescribed by a doctor. The prescription must have been issued prior to the start of treatment and must specify the diagnosis, nature and number of sessions needed.

Podiatry - p. 15

We will reimburse eligible costs for medically necessary podiatry treatment. - Limite : Plus: up to € 100/ $ 130/ £ 84* - Top: up to € 200/ $ 260/ £ 168 - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : These services must be prescribed by a doctor. The prescription must have been issued prior to the start of treatment and must specify the diagnosis, nature and number of sessions needed.

Vision aids, including an eye test - p. 15

We will pay the expenses for spectacle frames and glasses, as well as for contact lenses and one refraction test in each insurance year. - Limite : Plus: up to € 150/ $ 195/ £ 126* - Top: up to € 250/ $ 325/ £ 210 - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels.

Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency (outpatient) - p. 15

We will refund eligible expenses for emergency transport to the nearest suitable doctor, hospital or institution following an accident or emergency. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Infertility treatment - p. 15

Diagnostics and treatments to increase fertility including treatments to prevent future miscarriages, investigation into miscarriage and assisted reproduction and related complications: diagnostic investigations, consultations and tests including invasive procedures such as hysterosalpingogram, laparoscopy or hysteroscopy; laboratory work; prescribed drug treatment including but not limited to ovulation stimulation; Invitro fertilisation (IVF); Intracytoplasmatic sperm injection (ICSI); Gamete intrafallopian transfer (GIFT); Zygote intrafallopian transfer (ZIFT); Artificial insemination (AI). - Limite : Plus: 50 %* up to € 2,000/ $ 2,600/ £ 1,680 for each insured couple, per lifetime - Top: 50 % up to € 10,000/ $ 13,000/ £ 8,400 for each insured couple, per lifetime - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Waiting period of 24 months. - Condition : Insofar as benefits have been approved in writing beforehand. - Condition : The woman must be aged under 40 and the man under 50 at the time of treatment (first stimulation day in each treatment cycle or first cycle day in the case of insemination without hormone stimulation). - Condition : The insured person's sterile condition must be due to organic causes and can only be overcome with the aid of reproductive help. - Condition : Both the man and the woman benefiting from the treatment must be insured with us and eligible for treatment on their selected plan level.

Screenings for early detection of disorders of the teeth mouth and jaw - p. 16

• Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels.
• Condition : Part of the Basic dental services section of the scope of benefits.

X-rays (dental) - p. 16

• Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels.
• Condition : Part of the Basic dental services section of the scope of benefits.

Scale-and-polish cleaning - p. 16

Prophylactic services: tartar removal and polishing, professional teeth cleaning, assessment of oral hygiene status, local fluoridation for underage person, sealing caries-free tooth fissures for underage person. - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Part of the Basic dental services section of the scope of benefits.

Treating oral mucosa and paradontium - p. 16

Preparation and documentation of the status of the periodontium; local treatment of diseases of the oral mucosa; periodontal surgery (especially removal of subgingival concrements and root smoothing) closed procedure, the pocket depth must be more than 3 millimeters; flap surgery, open curettage including oteoplasty, the pocket depth must be more than 5 millimeters and the closed procedure has taken already place before. - Limite : Classic: Pain relief only - Plus and Top: no limit stated in the scope of benefits - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level.

Simple fillings related to cavity - p. 16

Conservative services: simple fillings related to cavity; root canal treatment in connection with a following simple filling. - Limite : Classic: Pain relief only - Plus and Top: no limit stated in the scope of benefits - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level.

Surgery, extractions, root-canal treatment - p. 16

Surgical services: extraction of teeth; removal of a deeply fractured or tooth with deep destruction; hemisection or partial extraction; removal of a retained, impacted or misaligned tooth in an osteotomy; reimplantation of a tooth including simple fixation; excision of the mucosa or granulation tissue; resection of a root tip/root amputation and cystectomy. - Limite : Classic: Pain relief only - Plus and Top: no limit stated in the scope of benefits - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level.

Inclusion of an occlusal splint - p. 16

Insertion of occlusal splints: inclusion of an occlusal splint without adjusting the surface; inclusion of an occlusal splint with surface adjustment; inspection of an occlusal splint or surface adjustments e.g. additive or subtractive measures. Also functional analysis and functional therapy. - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels.

Accidental dental treatment - p. 16

Benefits will be paid in full up to the overall limit if you need dental treatment as a result of accidental injury to teeth, caused by direct external impact to the head e.g. falls, or other accidents causing injury by external force. Accidental dental treatment means treatment received immediately after an accident and within 30 days following the date of the accident for damage to your sound natural tooth/teeth. - Condition : Insured in the Classic, Plus and Top plan levels; reimbursement is excluded from the scope of benefits in the Essential plan level. - Condition : No waiting periods apply. - Condition : We will not cover injury caused by eating/drinking or any injury caused by biting, chewing, clenching or grinding of teeth under this benefit type. - Condition : The dentist's receipt must specifically confirm that treatment is a consequence of an accident. Proof of the accident with a medical or police report is required. - Condition : Deductibles do not apply for accidental dental treatment.

Major dental services - p. 16

Heading covering prosthetic services, implantological services, orthodontic treatment, dental laboratory work and the treatment plan. - Limite : Plus: Reimbursement for the following benefits up to € 2,000/ $ 2,600/ £ 1,680 - Top: Reimbursement for the following benefits up to € 5,000/ $ 6,500/ £ 4,200 - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Waiting period of 10 months.

Dentures (for example, prostheses, bridges and crowns, inlays, onlays) - p. 16

Prosthetic services: impression or partial impression of a jaw for a situation model including an assessment for diagnosis or scheduling; preparation of a written schedule of treatment and charges for prosthetic treatment; preparation of a destroyed tooth with plastic augmentation materials and pin to receive a crown; inlay/onlay; adhesive fasting; restoration of a tooth with a full or partial crown; insertion of a prefabricated crown in a child; provisional crowns/bridge; restoration of a partially edentulous arch with a bridge or prosthesis; telescopic crown and prosthesis; restoration of an edentulous jaw with a total prosthesis. - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Part of the Major dental services limits and waiting period.

Implantological services - p. 16

Implant-related analysis; use of an orientation splint/positioning splint; implant insertion; exposure of an implant; insertion of augmentation material (bone and/or bone substitute material); sinus floor elevation. - Limite : Plus and Top: up to four implants per jaw and the dentures to be secured to these implants - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Part of the Major dental services limits and waiting period.

Orthodontic treatment - p. 16

Orthodontic treatment for a child received before the date of their 18th birthday, including metal braces and retainers and a treatment plan. Medical necessity of orthodontic treatment is evaluated by us based on the Index of Orthodontic Treatment Needs (IOTN) from the British orthodontic society. - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : We will not cover additional costs or services such as special braces e.g. lingual brackets as well as clear aligner e.g. Invisalign. - Condition : Part of the Major dental services limits and waiting period.

Dental laboratory work and materials - p. 16

We will cover dental materials and laboratory work on the basis of average prices in the country where the treatment is provided. - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Part of the Major dental services limits and waiting period.

Treatment plan - p. 16

A plan of treatment and costs compiled by the doctor or dentist must be submitted before commencing treatment if dentures or rehabilitation measures of a larger extent and orthodontic treatment are planned. You will then be informed of the extent to which these costs will be reimbursed. - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Part of the Major dental services limits and waiting period.

24-hour phone and e-mail service with experienced counsellors, doctors and specialists - p. 17

We are available 24 hours a day, seven days a week, 365 days a year by phone or email if you need help from our team, the assistance company or doctors who all speak several languages. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Medical evacuation and repatriation - p. 17

You and any insured person are entitled to cross-border transport by ambulance if the inpatient medical care in the country of residence is not adequate. After consulting your relevant Globality Health service centre and the attending physician, the insured person will be transported (within the selected geographical area) to a place in another country which is more suitable for treating them, to the insured person's country of residence if the insured event has happened outside this country, or to the insured person's country of departure or home country. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels. - Condition : The evacuation or repatriation must have been prescribed by the treating doctor and must be medically necessary. - Condition : Your relevant Globality Health service centre must agree beforehand to refund these costs. - Condition : If medical reasons make it necessary, we will also organize for a doctor to go with you during the journey. We will only cover transport to a place suitable for treatment.

Information on medical infrastructure (local medical care and names and addresses of multilingual doctors) - p. 17

Your relevant Globality Health service centre will tell you what medical care is available locally. It will also give you the names and addresses of doctors and hospital services which speak English, German, French, Spanish and Dutch, as well as the addresses of hospitals, special clinics and the possibilities for transfer. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Support and information by our medical service (second opinion, monitoring the course of the illness) - p. 17

You can contact your Globality Health service centre by phone as soon as you need medical support locally. The service centre can tell the insured person's relatives that an insured event or emergency has happened, help when planning to go to or leave the hospital for inpatient treatment, and monitor the course of an illness. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Guarantee of payment (GOP) (preparing for a stay in hospital) - p. 17

Your relevant service centre settles the formalities needed to guarantee the costs to doctors or the hospital, including carrying out a medical review of the invoices to make sure that they are usual, customary and reasonable, and reaches agreement with the hospital on invoicing and terms of payment. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels. - Condition : If there is an emergency which means you need inpatient treatment, you must contact your relevant Globality Health service centre as soon as possible. - Condition : If inpatient treatment is planned, you must contact your relevant Globality Health service centre at least seven days before being admitted to the hospital. This also applies in the case of outpatient surgery instead of inpatient treatment. - Condition : If you or the insured person does not tell the service centre beforehand, or immediately in case of an emergency, we may not pay the full claim.

Return of mortal remains - p. 17

The relevant Globality Health service centre will get the death certificate or accident report if this is allowed by law, contact public authorities and consulates, find out which relatives are authorized to decide on sending the mortal remains home or having them cremated, and handle all the formalities. We will refund the direct costs of returning the mortal remains to the country of departure or home country (including all formalities), or the costs for sending the urn to the country of departure or home country if the person has been cremated in the country of residence. - Optionnelle : non · Limite : Essential: up to € 2,500/ $ 3,250/ £ 2,100 - Classic: up to € 5,000/ $ 6,500/ £ 4,200 - Plus: up to € 7,500/ $ 9,750/ £ 6,300 - Top: up to € 10,000/ $ 13,000/ £ 8,400 - Condition : Insured in the Essential, Classic, Plus and Top plan levels. - Condition : We will not refund the funeral costs.

Additional, appropriate medical support (information on the nature, possible causes and possible treatment of an illness) - p. 17

Your relevant Globality Health service centre will give you general information (about the country, customs, formalities), as well as medical information (vaccinations, medical information by phone) to help prepare for the journey, and advise on what to take for your personal first-aid kit. If an insured event happens, it will provide general information on the nature, possible causes and possible treatment of the illness, explain medical terms and provide information on drugs, their side effects and how they interact. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Online services - p. 17

You are entitled to use our dedicated online-service in the provided online member area. - Optionnelle : non - Condition : Insured in the Essential, Classic, Plus and Top plan levels.

Compassionate family visit - p. 18

If you or an insured person receive inpatient treatment because of a medical emergency (both in the country of residence and while travelling on holiday or on business), the relevant Globality Health service centre will arrange for a member of your family to visit, if the stay in hospital lasts for more than seven days. If an insured person is forced to return to his/her home country due to a serious illness/accident or death of a family member, Globality Health will reimburse the transport expenses (return first class train ticket, and/or economy plane ticket) to the family members place of residence, place of hospitalisation or place of burial respectively in country of origin. - Limite : Plus: up to € 1,500/ $ 1,950/ £ 1,260 - Top: up to € 3,000/ $ 3,900/ £ 2,520 - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels. - Condition : Serious illness and serious accident are considered to be that which endangers the life of the family member. - Condition : For the purpose of this coverage, relatives are considered to be the spouse or unmarried partner as well as the parents and children of the insured. - Condition : Return transport costs due to serious illness and serious accident are only reimbursable on condition that the corresponding Globality Health service centre is contacted in advance. Transport costs due to death are only reimbursable prior to submission of the death certificate.

Delayed return trip - p. 18

If an insured person's return from the country of residence is delayed because of a medical emergency which means you are not fit to travel, we will pay the extra costs for altering hotel accommodation and flight reservations up to the limit shown in the scope of benefits. - Limite : Plus: up to € 2,000/ $ 2,600/ £ 1,680 - Top: up to € 2,000/ $ 2,600/ £ 1,680 - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels.

Getting hold of and shipping vital medication - p. 18

If an insured person relies on a supply of vital drugs which are not available in the country of residence, the insured person can ask the relevant Globality Health service centre to get these - legally approved - drugs and to send them to you as long as importing them in this way is not forbidden by law. - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels.

Return transport or care for children - p. 18

If a medical emergency means both parents need to receive inpatient treatment in the country of residence, we will organise a child welfare service to look after the children for as long as inpatient treatment is needed. If both parents suffer a medical emergency while travelling on holiday (up to six weeks) and need inpatient treatment, you are entitled to claim return transport for the child (under the age of 18) with a companion to the country of residence. - Condition : Insured in the Top plan level only; reimbursement is excluded from the scope of benefits in the Essential, Classic and Plus plan levels.

Help with psychological problems possibly attributable to the stay abroad - p. 18

If the stay abroad gives rise to psychological conflicts for the insured persons, the relevant Globality Health service centre will give you psychological help by phone and will also arrange for suitable local help if necessary. - Limite : Plus: psychological and therapeutic help by phone; up to 3 calls - Top: psychological and therapeutic help by phone; up to 5 calls - Condition : Insured in the Plus and Top plan levels only; reimbursement is excluded from the scope of benefits in the Essential and Classic plan levels.

Document depot (safe custody, help in obtaining replacements) - p. 18

You can ask your service centre to keep copies of personal documents (for example passport, ID card, visa, credit card, driving licence, vehicle registration certificates, proof of vaccinations, allergy pass and business documents - up to 20 A4-sized sheets) in a sealed envelope with a personal password. If the originals are lost, the copies will be sent to the insured person by post, courier service or fax. - Condition : Insured in the Top plan level only; reimbursement is excluded from the scope of benefits in the Essential, Classic and Plus plan levels. - Condition : We keep these documents for five years unless an insured person updates them. - Condition : This storage is available during the insured period only.

Organizing help if you have legal difficulties - p. 18

The relevant Globality Health service centre can refer you to lawyers or experts throughout the world who speak English, German, French, Dutch or Spanish. If necessary, the service centre will arrange for an advance to pay the lawyers' fees, court costs or bail. - Condition : Insured in the Top plan level only; reimbursement is excluded from the scope of benefits in the Essential, Classic and Plus plan levels. - Condition : The advance is not paid by the relevant Globality Health service centre. They just contact banks or relatives and can help in transferring the money if this applies.

Arranging intercultural training (information about local culture and so on) - p. 18

To help you prepare for the stay abroad, the relevant Globality Health service centre can refer you to special institutions which provide specific training for the country or region concerned, taking into account aspects of living and working abroad. - Condition : Insured in the Top plan level only; reimbursement is excluded from the scope of benefits in the Essential, Classic and Plus plan levels.

Temporary cover for geographical area I - p. 8

If we have agreed on insurance cover for 'Geographical area II - Worldwide excluding USA' and you or any insured person are temporarily away from the country of residence, we will grant insurance cover for medical emergencies, as well as for the consequences of an accident or death, also in geographical area I for trips up to six weeks. If an insured event happens within the six weeks and you need emergency treatment in the USA, there is no specific time limit on the treatment itself. - Optionnelle : non · Portée : Geographical area I (Worldwide including USA), for trips up to six weeks - Condition : However, if an eligible medical emergency occurs, we may transfer you to another country for treatment if medically appropriate and if the situation allows. - Condition : We will not cover journeys carried out for the purpose of getting treatment in geographical area I.

Double benefits for geographical area I - p. 9

If you are covered under geographical area I (worldwide including USA) we will double the maximum sums and lump sums shown in 4.3, 4.4, 4.5 and 4.6 (whether the treatment takes place in the USA or not). - Optionnelle : non · Portée : Geographical area I - Worldwide including USA - Condition : If a benefit is limited to a certain number of days or sessions, this limit will not change. If we have agreed a deductible, it will not change.

Cover of pre-existing medical conditions (optional) - p. 4

We do not cover pre-existing medical conditions. They are governed by the moratorium clause (see 1.3). However, you can choose to include pre-existing medical conditions when applying for insurance. - Optionnelle : oui - Condition : To check whether we can cover the pre-existing medical conditions from the start date of the insurance policy, you will need to answer all the health questions listed in the application correctly and to the best of your knowledge. Any applicant will also need a medical evaluation in this case. - Condition : The medical evaluation may result in us adding conditions to the policy, charging an extra premium, adding an exclusion or rejecting your application/an insured person.

Moratorium (alternative to full medical underwriting) - p. 4

Instead of applying for full medical underwriting, if the insured person is 55 or younger and if we agree, you may choose a 'moratorium'. In that case any known pre-existing medical condition that an insured person has experienced during the last five years will be covered after a continuous two-year period free of medical treatment, advice, symptoms or medication relating to the pre-existing medical condition. - Optionnelle : oui - Condition : If an insured person has any treatment, advice, symptoms or medication during the first two years of cover relating to a known pre-existing medical condition, the two-year period (free of any treatment, advice or medication) may start again for that pre-existing medical condition. - Condition : We will cover any new and unrelated medical conditions immediately.

Exclusions

Exclusion	Description	S'applique à	Page
Acting or traveling against medical advice/failing to seek advice	We do not cover treatment required as a result of you failing to seek or follow medical advice, or as a result of you travelling against medical advice.	all	p. 30
Complications caused by excluded cover	We will not cover expenses caused by complications directly caused by an illness, injury or treatment for which we exclude or limit cover.	all	p. 30
Cosmetic and plastic surgery	Expenses incurred for cosmetic or plastic surgery and treatment will not be reimbursed.	all	p. 30
Detoxification programmes including therapies	We do not cover detoxification programmes including treatments for drug addiction and alcoholism. Without affecting this condition, we will pay the benefits for an initial detoxification if you cannot claim a refund from anywhere else. In the case of inpatient detoxification, we will only refund the expenses for basic hospital services, including medical treatment and drugs. We will not cover further treatment caused by or directly associated with harmful, hazardous or addictive use of any substance including alcohol and drugs.	all	p. 30
Developmental disorders	We will not cover any services, therapies, education testing, or training related to learning disabilities or disorders of psychological development, such as developmental delays, scholastic skills, pervasive disorders, mental retardation, perceptual handicap, brain damage not caused by accidental injury or illness, minimal brain dysfunction, dyslexia or apraxia.	all	p. 30
Epidemics, pandemics and disease outbreaks	Costs related to treatment and/or medical evacuations and/or repatriations directly or indirectly arising from epidemics, pandemics or disease outbreaks of comparable dimension which have been put under the control of the local public health authorities will not be reimbursed, unless otherwise agreed by us in writing.	all	p. 30
Experimental and investigational treatments	We will not cover any form of treatment or drug therapy which we consider to be experimental or investigational. A service, technology, supply, procedure, treatment, drug, device, facility, equipment or biological product is considered experimental or investigational when it does not have a final license and clearly stated approval from at least one of EMA, FDA (phase III completed) or EUnetHTA, or is not clearly stated as such on NICE, AWMF or AHRQ National Guideline. Interim approval is not sufficient. All approvals and guidance must be conclusive and must not state the need for more research, or under research environment, or limited evidence, or insufficient evidence or lack of clinical utility.	all	p. 30
Eyesight	We will not cover any treatment or surgery to correct an insured person`s eyesight, such as laser treatment, refractive keratotomy (RK) and photorefractive keratectomy (PRK).	all	p. 30
Force Majeure	Costs related to treatment and/or medical evacuations and/or repatriations directly or indirectly arising from force majeure and where we are prevented from providing assistance, or where the situation is taken out of our control by local authorities will not be reimbursed, unless otherwise agreed by us in writing. Force majeure may include, but is not limited to, events which are unpredictable, unforeseeable or unavoidable, such as earthquakes, extremely severe weather, fire, floods, landslides, subsidence, and any other act or event that is outside of our reasonable control.	all	p. 30
Gender reassignment	We will not cover changing the biological sexual characteristics, by surgery and hormone treatment, to those of the opposite sex.	all	p. 31
Genetic testing	We shall not be liable for costs of genetic testing, except where specifically named genetic tests are included within your plan, or where we specifically agree otherwise in writing.	all	p. 31
Illnesses, accidents and their consequences caused deliberately (self-inflicted injuries including attempted suicide)	We will not cover illnesses and accidents, as well as their consequences, which have been caused deliberately. We consider an illness or accident as being caused deliberately if the person concerned had at least some idea of the consequences of their actions and accepted the fact of the damage caused.	all	p. 31
Injuries caused by military service	We will not cover illnesses and accidents and their consequences, which are caused while the insured person is carrying out their military duties.	all	p. 31
Need for long-term care and custody	We will not refund any costs incurred for accommodation in conjunction with the need for long-term care and custody.	all	p. 31
Non-medical hospital expenses	Accompanying partner, all non-medical consumables and catering and all media related expenses (such as TV and radio).	all	p. 31
Nuclear, chemical and biological contamination	We do not cover illnesses and accidents, as well as their consequences, which have been caused by nuclear energy (nuclear reactions, radiations, and contamination), as well as illnesses and accidents and their consequences caused by chemical or biological weapons.	all	p. 31
Post-natal classes	We will not cover post-natal classes following birth to deal with the physical effects on the body of being pregnant and giving birth.	all	p. 31
Professional sports	We do not cover treatments or diagnostic procedures of injuries or illnesses arising from taking part in professional sports. Professional sports means any sports you are being paid for taking part in.	all	p. 31
Sleep disorder	We do not cover investigations into, or treatment of, sleep disorders, including insomnia. This includes CPAP (continuous positive airway pressure machine) and BIPAP (bilevel positive airway pressure machine).	all	p. 31
Spa and wellness massages	We will not cover stays or treatments in a cure centre, a bath centre, a spa, a health resort or a recovery centre, even if they are medically prescribed. This also includes thermal baths, saunas and any kind of wellness massages.	all	p. 31
Sterilisation, sexual dysfunction and contraception	We will not cover any procedure which is aimed at making a person unable to reproduce, any procedure, treatment or medication to prevent a pregnancy or any treatment of sexual dysfunction (unless part of IVF treatment).	all	p. 31
Surrogacy	We will not refund the cost of treatments directly relating to surrogacy, whether you are acting as a surrogate or are the intended parent. Children born to a surrogate mother are excluded from cover.	all	p. 31
Termination of pregnancy	Listed under Exclusions and worded as follows: We will cover termination of pregnancy in case of physical life threatening danger to the pregnant woman or if the foetus has become non-viable, and only if agreed by us in writing prior to the treatment. The above conditions must be proven by necessary medical investigation reports and a medical report from the doctor, providing the reasons for termination of the pregnancy.	all	p. 31
Therapies and treatment in sanatoriums, convalescent and nursing homes as well as specific rehabilitation measures	We will not cover therapies and treatments in sanatoriums or convalescent and nursing homes. However, depending on the plan level you have chosen, we will refund a share of the expenses for follow-up rehabilitation.	all	p. 31
Transport costs	Unless we have provided you with a prior approval in writing, we will not refund your transport costs other than emergency ambulance services.	all	p. 32
Treatments by specific doctors, dentists and other therapists, as well as in specific hospitals	This includes treatments by doctors, dentists, other therapists and in hospitals whose invoices we have refused to pay for an important reason. However, this exemption from the obligation to pay benefits only applies to those insured events that happen after you have been told about the exclusion of benefits. If an insured event has already happened at the time we give you notice, our exemption from benefits will only apply for those expenses that arise more than one month after receiving notice.	all	p. 32
Treatment by wives, husbands, non-marital partners, parents or children	We will not refund the costs if you are treated by your wife, husband, non-marital partner, parents or children. However, we will refund the proven cost of materials needed for your treatment in line with the plan.	all	p. 32
Vitamins and minerals	We will not refund the costs of products classified as vitamins or minerals (except where medically necessary during pregnancy or to treat diagnosed, clinically significant vitamin-deficiency syndromes), dietary supplements, including, but not limited to, special infant formula and cosmetic products, even if medically recommended, prescribed or acknowledged as having therapeutic effects. We do not recognise nutriments, tonics, mineral water, cosmetics, hygiene and body-care products and bath additives as medically necessary.	all	p. 32
War, civil unrest, acts of terrorism	The insurance does not cover illnesses or accidents and their consequences, as well as death attributable to acts of war, civil unrest or acts of terrorism, unless the insured person is injured as an uninvolved third party who has not wilfully or negligently disregarded the danger and the insured person has not deliberately entered the area of conflict. Insurance cover shall not be granted under any circumstances if the uninvolved third party enters an area of direct warfare or renders services for one of the warring parties. The exclusion of benefits shall apply regardless of whether or not war has been declared. If the insured person acquires knowledge of the war, civil unrest or terrorist acts while in the country, the insurance will only cover emergency, life-saving treatment and only for as long as the insured party is prevented from leaving the country or region concerned, but for not more than 28 days at most.	all	p. 32
Other limits - treatment beyond what is medically necessary or charges outside usual, customary and reasonable	If the treatment or other measure for which benefits have been agreed is more than is medically necessary or if the amount claimed for is not within the usual, customary and reasonable, we will be entitled to reduce its payment/reimbursement and the insured shall be responsible for all costs which are not within the usual, customary and reasonable. We reserve the right to have any cost or cost estimate evaluated by doctors in order to establish if a cost can be considered within the usual, customary and reasonable.	all	p. 32
Subsidiarity towards other providers of benefits	If you or the insured person can also claim benefits from a statutory health insurance fund or from any other provider of benefits or any other institution, we will only have to refund those expenses which are still necessary despite these benefits.	all	p. 32
International sanctions regulations	In the interest of all involved parties, we will follow the international sanctions regulations in force. We shall not be deemed to provide cover and shall not be liable to pay any claim or provide any benefit under this insurance policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition or restriction under United Nations resolutions, to the trade or economic sanctions, laws or regulations of the European Union or the United Kingdom, or to sanctions of the United States of America.	all	p. 32
Pre-existing medical conditions	We do not cover pre-existing medical conditions. They are governed by the moratorium clause (see 1.3). However, you can choose to include pre-existing medical conditions when applying for insurance.	all	p. 4
Permanent residents of the USA	Please note that we cannot cover anyone who is permanently resident in the USA. In case that an insured person should become a permanent resident of the USA, we will cease to provide insurance cover.	all	p. 4
Insured events which happen before the start date of the insurance	We will not cover insured events which happen before the start date of the insurance.	all	p. 6
Journeys carried out for the purpose of getting treatment in geographical area I	We will not cover journeys carried out for the purpose of getting treatment in geographical area I.	Temporary cover for geographical area I	p. 8
Deluxe rooms, executive rooms and suites	We will not cover any sort of deluxe rooms, executive rooms and suites.	Accommodation in a private or semi-private room	p. 19
Minor (grade 1) surgery and procedures for procurement of tissue samples or bodily fluids	This benefit does not include surgeries which are grade 1 or minor (any invasive operative procedure in which only skin or mucus membranes and connective tissue are resected) or invasive operative procedures for procurement of tissue samples or bodily fluids (such as biopsies and colonoscopies).	Outpatient surgery instead of inpatient treatment	p. 19
Complications of assisted conception or childbirth, including premature or multiple births	Complications of assisted conception or childbirth, including premature or multiple births, are excluded from this benefit.	Newborn care	p. 20
Cost of finding the organ to be transplanted or a suitable donor	Eligible expenses are defined as the costs incurred by the donor in conjunction with getting the organ, the cost of transporting the organ to the patient and the expenses for hospital accommodation of the donor if necessary, but not the cost of finding the organ to be transplanted or a suitable donor.	Bone marrow and organ transplants	p. 21
Follow-up dental treatment, dental surgery, dental prostheses or implants, orthodontics or periodontics after emergency dental treatment	Please note that cover under this benefit does not extend to follow-up dental treatment, dental surgery, dental prostheses or implants, orthodontics or periodontics.	Emergency dental treatment	p. 22
NIPT and all other forms of genetic testing in maternity care	NIPT and all other forms of genetic testing are excluded.	Maternity care and childbirth (outpatient)	p. 23
Doula services as well as pre-natal and post-natal classes	Doula services as well as pre-natal and post-natal classes are not reimbursable.	Maternity care and childbirth (outpatient)	p. 23
Special braces (e.g. lingual brackets) and clear aligners (e.g. Invisalign)	We will not cover additional costs or services such as special braces e.g. lingual brackets as well as clear aligner e.g. Invisalign.	Orthodontic treatment	p. 26
Injury caused by eating/drinking, biting, chewing, clenching or grinding of teeth	We will not cover injury caused by eating/drinking or any injury caused by biting, chewing, clenching or grinding of teeth under this benefit type.	Accidental dental treatment	p. 26
Fluoridation of tooth surface and fissure sealing for adults	Dental exclusion.	Dental treatment	p. 26
Veneers including partial front teeth crowns	Dental exclusion.	Dental treatment	p. 26
Bleaching or any related cosmetic and aesthetic services	Dental exclusion.	Dental treatment	p. 26
Sedation/anaesthesia (dental)	Dental exclusion.	Dental treatment	p. 26
Pain and anxiety-relieving measures (dental)	Such as acupuncture, hypnosis, general anaesthesia, sedation with laughing gas, twilight sleep anaesthesia. Exceptions to this rule are: if an anxiety disorder has been diagnosed by a qualified specialist, Globality Health will cover the costs for children up to the age of 12; in addition in case of failure of local anesthesia; treatment under local anesthesia to be considered impossible due to severe psychologically and physically disabled patient.	Dental treatment	p. 26
Funeral costs	We will not refund the funeral costs.	Return of mortal remains	p. 28
Fraud	You are not entitled to any benefits if you claim them incorrectly, fraudulently or if others have fraudulently tried to claim benefits under the present insurance policy without legal reason, but with your permission. You will lose all rights to benefits under this insurance policy in these cases. You must refund any payments we may have made before finding out about your fraudulent actions.	all	p. 36

Franchises

• Standard : Globality YouGenio® World Essential: does not apply. Globality YouGenio® World Classic: 0 / € 250, $ 325 or £ 210 / € 500, $ 650 or £ 420 / € 1,000, $ 1,300 or £ 840. Globality YouGenio® World Plus or Top: 0 / € 250, $ 325 or £ 210 / € 500, $ 650 or £ 420 / € 1,000, $ 1,300 or £ 840 / € 2,500, $ 3,250 or £ 2,100.
• Variable : Deductibles apply for each insurance year and for each insured person. If we have agreed to a deductible, we will refund up to 100 % of the eligible expenses up to the annual overall limit/maximum outpatient limit which are more than the deductible. If we have agreed a deductible, doubling the benefits for geographical area I will not change it.
• Outpatient and dental treatment : They apply only for expenses linked to outpatient and dental treatment.
• Accidental dental treatment : Deductibles do not apply for accidental dental treatment.

Délais d'attente

• General rule : Waiting periods only apply for maternity care (including complications), childbirth, psychiatric treatment, psychotherapy, infertility treatment and major dental services. Regardless of the number of insured adults or the insured member's start date of insurance, each individual member must pass the minimum waiting period applicable to each benefit. (see per-benefit periods) p. 6
• Psychiatric treatment, psychotherapy and major dental services : The waiting period is 10 months from the start date of insurance for psychiatric treatment, psychotherapy and major dental services regardless of the number of insured persons. (10 months from the start date of insurance) p. 6
• Treatment of pregnancy and childbirth (two or more insured adults on the same policy) : For an insurance policy with two or more insured adults on the same insurance policy, a waiting period of 12 months will apply to treatment of pregnancy and childbirth. (12 months) p. 6
• Treatment of pregnancy and childbirth (one insured adult) : For an insurance policy with only one insured adult, a waiting period of 24 months will apply to treatment of pregnancy and childbirth. (24 months) p. 6
• Infertility treatment : This does not apply to infertility treatment, where there is a waiting period of 24 months regardless of the number of insured persons. (24 months) p. 6
• Accidental dental treatment : No waiting periods apply. (none) p. 26
• Newborn babies : Newborn babies are insured from the moment of birth, without qualifying periods, as long as the birth mother has been insured under the Globality YouGenio® World plan on the date of birth for at least six months in a row before birth and we receive the application for insurance within two months. (none) p. 20
• Pre-existing medical conditions under the moratorium : Any known pre-existing medical condition that an insured person has experienced during the last five years will be covered after a continuous two-year period free of medical treatment, advice, symptoms or medication relating to the pre-existing medical condition. (continuous two-year period free of medical treatment, advice, symptoms or medication) p. 4

Obligations de l'assuré

• You must answer all questions on the application form completely and correctly so that we can check the application. If you need insurance cover for another person, they will also be responsible - together with you - for making sure that the questions are answered completely and correctly. (at application · The policy will become void if you deliberately fail to provide information that would have affected our decision to accept your application for insurance or would have added conditions to our acceptance. In this case, anyone who received a claim payment will have to return any money paid, and we will not refund any premiums paid.) p. 4
• It is the obligation of the policyholder to ensure compliance with local social security provisions and regulations for all insured persons under the insurance policy. (throughout the policy) p. 4
• If any of the insured persons move to a different geographical area for any length of time, you must let us know as soon as possible as the change will affect the premium due. (as soon as possible) p. 8
• You or any insured person must report hospital treatment to the relevant Globality Health service centre immediately, latest within seven days of the treatment beginning. (immediately, at the latest within seven days of the treatment beginning · If the insured person fails to keep to any of these conditions, we will not have to pay benefits, or we may limit our benefits, depending on any restriction shown in the legal regulations. This only applies in cases of deliberate action or gross negligence.) p. 34
• Any insured person must give us all the information we ask for so we or your service centre can check the insured event or to decide on whether we have a responsibility to pay benefits and the amount of benefit due. The insured person must also allow us or the service centre to gather all further information we need in relation to this (this applies especially in terms of releasing medical professionals from their duty of confidentiality). (on request · See the sanction under clause 6.2.) p. 34
• We can ask that the insured person is examined by a doctor we have authorised. We will pay the cost of these examinations. (on request · See the sanction under clause 6.2.) p. 35
• The insured person must make every effort to reduce, as far as possible, any damage and not do anything which may affect their convalescence. (when an insured event occurs · See the sanction under clause 6.2.) p. 35
• You and any insured person must behave cost-consciously when an insured event occurs and limit expenses for treatment to the extent necessary, which may include opting for generic medication instead of branded medication. (when an insured event occurs · See the sanction under clause 6.2.) p. 35
• If an insured person can claim non-insurance damages of any kind from anyone else, the insured person must legally transfer those claims to us in writing up to the limit that expenses are refunded under the insurance policy. (when such a claim exists · If an insured person gives up a claim or a right linked to a claim without our permission, we will not have to pay any benefits if we could have got compensation from the claim or right.) p. 36
• You must inform us immediately, meaning right after becoming aware of, latest however on the effective date of the change, about any new address, especially of any change in the country of residence, or any change of nationality or citizenship. A change may impact your premium, your insurance cover and your compliance with local insurance regulations, even if you are moving to a province or country within your geographical area of cover. We can ask you to provide proof of residence. (immediately, at the latest on the effective date of the change · If you fail to inform us, we cannot guarantee cover and we may have to terminate the insurance contract in line with paragraph 2.8 of our General Terms and Conditions.) p. 39
• When you return to your home country and thereby you are ending the period of expatriation abroad, you will have to notify us of the exact date of relocation to the home country, as soon as you become aware of it, latest however on the actual day of relocation. (as soon as you become aware, at the latest on the day of relocation · If you fail to inform us of the relocation, we cannot guarantee cover and we may have to terminate the insurance contract in line with paragraph 2.8.) p. 39
• You must inform us immediately about change of contact, or new name for you and any insured person. We can ask you to provide proof of the change. (immediately · If you fail to do so, we cannot guarantee cover and may have to terminate the insurance contract in line with paragraph 2.8.) p. 39
• You need to send us proof that all insured persons have been informed about the termination of the policy. (on termination) p. 7
• You must pay the premium shown in the insurance policy in advance. The first premium or premium instalment is due as soon as we have accepted your application for insurance by sending out the insurance policy. (in advance · If you do not pay within 10 days of the due date we may demand payment; if you still have not paid within 30 days of receiving the demand, we will not have any responsibility for providing cover after the end of the 30 days, and 10 days after that we are entitled to terminate the insurance policy immediately.) p. 37
• If your country of residence is outside the EU/EEA, the policyholder is responsible for the registration and payment of local taxes and other charges that may occur for the insurance. (throughout the policy) p. 37

Procédure de sinistre

1. You must declare any claim and send us the relevant invoices immediately when the treatment has ended. We only have to pay a claim when we have received all invoices and documents. The invoices and documents become our property and we can keep them for as long as we feel appropriate. (délai : immediately when the treatment has ended) p. 34
2. Unless we agree otherwise, the insured person should send the invoices directly to the relevant Globality Health service centre when an insured event happens. The invoices must meet the standard legal requirements for issuing invoices in the respective country. We will also accept receipts by email or fax as long as the quality of transmission is good enough to process the claim. If we have a good reason, we may ask for the original receipts. If another health insurer or institution has refunded part of the cost, it will be enough to send us copies of the invoices or documents with the other insurer's or institution's original confirmation of the refund. p. 34
3. You or any insured person can also send us your claim online using Eclaims. This is our online claims tool and offers convenient online services so you can get a refund of eligible medical expenses. You can find Eclaims on our website at www.globality-health.com, by entering your username and password. We strongly encourage you to send us invoices via Eclaims. p. 34
4. Invoices must include: first name and family name, as well as the date of birth; a precise identification of the illness (diagnosis) or otherwise a description of the symptoms by the doctor; the individual medical services and treatment dates with itemized prices; where dental treatment is concerned, which teeth have been treated or replaced and which services have been provided in each instance. p. 35
5. All documents or invoices should preferably be issued in English, German, French, Dutch or Spanish and must use Arabic numerals and Latin characters (1, 2, 3 ... a, b, c ...) as well as the ICD code 9 or 10 (international classification of diseases). Prescriptions must show your first name and family name, as well as your date of birth, the drugs which have been prescribed, their price and the receipt for your payment, and must be sent together with the doctor's invoice. p. 35
6. If you are claiming substitute hospital cash plan benefits instead of a refund of costs, you must send us a certificate confirming the inpatient treatment with the first name, family name and date of birth of the person receiving treatment, the diagnosis, the date of admission and discharge, as well as a confirmation that there have been no further costs. p. 35
7. Wherever possible, please use our 'Health Insurance Claim Form' to apply for any refunds. You can download a form from our internet website or get one from the relevant Globality Health service centre. p. 35
8. You can contact us at any time, day or night. Our addresses, phone numbers and email addresses are shown in all our documents and on your Globality Service Card. If you contact your relevant Globality Health service centre after a major insured event, particularly following an accident, emergency or inpatient treatment, we will offer to call you back immediately. (délai : any time, day or night) p. 35
9. If there is an emergency which means you need inpatient treatment, you must contact your relevant Globality Health service centre as soon as possible. If inpatient treatment is planned, you must contact them at least seven days before being admitted to the hospital; this also applies in the case of outpatient surgery instead of inpatient treatment. (délai : as soon as possible (emergency) / at least seven days before admission (planned)) p. 27
10. If you ask, we can pay directly to the organisation issuing the invoice for fixed costs, such as the rate for nursing care or the costs for hospital accommodation or the fees for transport by ambulance. An insured person may also transfer its right to receive the payment to the doctor, therapist or hospital providing the treatment or services by signing a 'declaration of assignment' for the hospital. However, we can only pay the costs directly if the hospital agrees to this. p. 35
11. You have a contract with the doctor or therapist you go to see. You can give this invoice to the relevant Globality Health service centre so that we can pay out the contractually agreed benefits. p. 35
12. All claims made on this contract must be made within three years, beginning from the onset of the cause of action from which the claim is based. (délai : three years from the onset of the cause of action) p. 36
13. As a rule, we pay benefits according to the principle of refunds. As a special service, if you ask, we can pay our refund directly to the organisation or person issuing the invoice, provided that they agree to this direct payment and it is not prevented by legal considerations. We refund invoices in the currency agreed with you and convert foreign-currency costs at the rate which applies on the day that the invoice was issued, unless you can send us bank vouchers proving that you bought the necessary currency at a less advantageous rate. p. 36

Durée & résiliation

• Durée : This insurance policy will initially last for one year. The insurance year begins on the date shown in the insurance policy, in other words, the start date of insurance, and ends 12 months later (end date of insurance). The insurance year for insured persons who later join the insurance policy commences on the date indicated on their insurance certificate and runs until the end date of insurance.
• Reconduction tacite : oui
• Préavis : You may give three months written notice if you do not want us to renew the policy at the end of any insurance year.
• Modalité : Written notice.
• Modalité : You may withdraw from this insurance policy in writing within 14 calendar days, without penalty and without giving us any reason; you can send your notice of withdrawal by post, email or fax.
• Droit spécial : Right of withdrawal: You may withdraw from this insurance policy in writing within 14 calendar days, without penalty and without giving us any reason. This 14-day period begins on the day on which you receive the insurance policy and the general conditions of insurance. If you withdraw within this 14-day period, we will refund any premiums you might have already paid.
• Droit spécial : Renewal: We renew the insurance policy for a further period of 12 months at the end of each insurance year. We reserve the right to apply changes to the general conditions of insurance for the new insurance year.
• Droit spécial : You may terminate the insurance policy if we make a change to the general conditions of insurance (see 8.2) or if we increase the fees and premiums (see 7); notice of termination within three months of receiving notice of the change.
• Droit spécial : However, you cannot terminate the insurance policy if we amend the premium as a result of you or an insured person moving up to the next age band.
• Droit spécial : You may terminate the insurance policy when your home country becomes your country of residence before the anniversary date of the insurance policy. The insurance policy ends only when we have received a termination notice from you.
• Droit spécial : We may terminate the insurance policy if you fail to give us any information we ask for, within one month of becoming aware that you failed to give us this information.
• Droit spécial : In order to safeguard compliance with applicable laws, we reserve the right to terminate the insurance policy or to exclude single persons from the insurance cover if the insurance policy is or becomes non-compliant with national laws or regulations applicable in the home country or in the country of residence.
• Droit spécial : The policy will become void if you deliberately fail to provide information that would have affected our decision to accept your application.
• Droit spécial : Extraordinary right of termination in the event that a sanction, prohibition or restriction under United Nations resolutions, trade or economic sanctions, laws or regulations of the European Union or the United Kingdom, or sanctions of the United States of America are imposed.
• Droit spécial : Ending your insurance cover (2.9): the policy and any cover for an insured person will end if an insured person dies (if you die, the other insured persons can continue as new policyholder as long as this is requested within two months of your death); if you object to renewing the insurance policy after the end of the insurance year; if the insurance policy is terminated or declared void.
• Droit spécial : The insurance policy is deemed to have been terminated if premiums are not paid for a period of more than two years.

Prescription

All claims made on this contract must be made within three years, beginning from the onset of the cause of action from which the claim is based. (6.5 c) p. 36

Prime

• Indexation : The agreed insurance premium is subject to change depending on: the actual claims costs no longer corresponding to the technical calculation basis on the insurance plan or if the observed cost trend in the health care system gives serious reason to assume that the actual costs will become disproportionate to the calculated costs in the following insurance year; the change of age band; changes to applicable legislation. We are furthermore entitled to pass on to you all increases in statutory charges, dues or taxes or similar payments. Once per year, these changes will be assessed and consequently, premiums may be adjusted should this become necessary. We will inform you in writing about any premium change at least three months before the beginning of the next insurance year. We review the exchange rates for US dollars and pounds sterling twice a year and change them when necessary; this may result in higher or lower premiums.
• You must pay the premium shown in the insurance policy in advance. We will show any additional premium charged for insurance medical reasons separately. The first premium or premium instalment is due as soon as we have accepted your application for insurance by sending out the insurance policy.
• If the insurance does not start on the first day of the calendar month or if it ends before the last day of the calendar month, you will only have to pay a prorated monthly premium for the first or last insurance month.
• If your country of residence is within the EU/EEA, we must invoice you for the statutory charges, dues or taxes associated with your insurance policy. Any local tax rates that apply will be shown in your insurance policy. We will collect the insurance premium tax and dues or charges together with the insurance premium.
• The insurance premium depends on the state of health of the insured person (at the time an application is being accepted by us), the individual premium according to the current table of premiums and the age of an insured person on the first day of the insurance year. The age bands are set out as follows: 0 to 19, 20 to 24, 25 to 29, 30 to 34, 35 to 39, 40 to 44, 45 to 49, 50 to 54, 55 to 59, 60 to 64, 65 to 69, 70 to 74, 75 to 79.
• If you are late in paying premiums: if you do not pay the agreed premium within 10 days of the due date, we may demand payment by registered mail; if you still have not paid within 30 days of receiving the demand, we will not have any responsibility for providing cover after the end of the 30 days; you will still have to pay premiums in the future even though we do not have to provide cover.
• If you have still not paid the premium 10 days after the end of the extra 30 days, we will be entitled to terminate the insurance policy immediately.
• The euro (€) is the basic currency for all our plans. However, you can choose US dollars ($) or pounds sterling (£) as the contractual currency.

Conditions particulières

• The insurance policy is designed for expatriates. Anyone who stays abroad for at least three months is eligible for insurance unless we agree otherwise. If you return to your home country to make it the main country of residence, you can keep your policy, if we agree, as long as it is compliant with local national legislation. Please note that we cannot cover anyone who is permanently resident in the USA. p. 4
• You can apply for cover by filling out an application form which you can get from your insurance intermediary, direct from us or through our website. The application does not bind either you or us to conclude the contract. However, we will notify you, within 30 days of the receipt of the application form, of an insurance offer, the subjection of the insurance to an inquiry or survey, or the refusal to insure. We have the right to request further data should it be necessary for legal reasons. p. 4
• Insurance cover starts on the date shown in the insurance policy (start date of insurance), but not before you have paid your first premium and not before the end of the waiting periods. p. 6
• The Globality YouGenio® World plan has four plan levels - Essential, Classic, Plus and Top. The individual plan levels depend on the type and amount of benefits agreed. Depending on the plan level you have chosen, we will refund up to 100 % of the eligible expenses up to the annual overall limit listed in the scope of benefits. p. 9
• Insurance cover applies in the following geographical areas: Geographical area I: Worldwide including USA. Geographical area II: Worldwide excluding USA. p. 8
• You can choose from all the doctors and dentists that are licensed in the country in which you need treatment to provide medical or dental treatment. We will refund fees for medical and dental treatment, as well as for the services of other therapists, if they are worked out reasonably according to a usual, customary and reasonable rate of fees typical for the country where you receive the treatment. We may also refund expenses which are more than the maximum fees if the expenses are caused by difficulties resulting from the illness or the medical findings and as long as the expenses have been worked out reasonably. p. 34
• Under the insurance cover, we will refund the expenses for examination and treatment methods, as well as drugs, which are generally accepted by conventional medicine. We will also refund the costs for methods and drugs which have been proven in practice or which are used because conventional methods or drugs are not available. However, we may limit our benefits to the amounts which we would have paid if conventional methods and drugs had been available. p. 34
• We will cover dental materials and laboratory work on the basis of average prices in the country where the treatment is provided. Dentures, implants, dental surgery and orthodontic treatment are seen as dental treatments carried out by a dentist even when carried out by a doctor in a hospital. They are not included in inpatient or outpatient treatment. p. 34
• You or any insured person cannot transfer any legal rights to any claim to anyone else. p. 34
• Our claims may only be set off if the counterclaim is undisputed or has been established without appeal being granted. p. 36
• We may amend or change the general conditions of insurance. We will inform you in writing at least three months before the beginning of the next insurance year. The amendment or change will then apply from the beginning of the next insurance year. If you do not agree, you may terminate the insurance policy within three months of receiving our notice. p. 39
• You agree that any information owed by us in application to the insurance policy or pursuant to any applicable law, be validly supplied on paper or electronically, through the website of Foyer Global Health S.A., by e-mail or by any other mean of communication agreed between you and us. If you do not react within a period of sixty days from the date of the information, you will be deemed to have accepted it and agree to be bound by it. p. 39
• If you need to complain, please contact us by post, phone, fax or email: Foyer Global Health S.A., 12, rue Léon Laval, L-3372 Leudelange, Luxembourg. You can also contact the ombudsman for insurances or the supervisory authorities. You can find details in your personal 'My Globality' world at www.globality-health.com. p. 39
• All disputes arising from this insurance policy will be brought before a court of law in the Grand Duchy of Luxembourg or before a court of law in the town in which you reside. If your place of residence is not in one of the member states of the European Union, the courts of law in the Grand Duchy of Luxembourg will deal with any dispute. p. 40
• The insurance policy will be governed by the law of the Grand Duchy of Luxembourg as long as another law which applies according to national regulations does not contain conditions which are not compatible with the law of the Grand Duchy of Luxembourg. p. 40
• The language of the insurance policy is English. Unless we agree otherwise with you, all correspondence between you and us will be in English. The English version will prevail over any other language or translation. p. 40
• The supervisory authority for Foyer Global Health S.A. can be contacted at the following address: Commissariat aux Assurances, 11, rue Robert Stumper, L-2557 Luxembourg. Commercial Register (R.C.S. Luxembourg): B 134.471 p. 2
• Terms which are printed in italics are explained in the glossary at the end of this document. p. 2
• With Globality Health's service and assistance network of competent and experienced partners on the ground, we offer our customers individual support worldwide as well as comprehensive, competent consultation for any situation. This network is represented in more than 180 countries. These services are available 24 hours a day, 7 days a week, 365 days a year. When the insurance according to the Globality YouGenio® World cover ends, you will no longer be entitled to these services. p. 27

Lacunes d'extraction

• Risk carrier: the document states it directly in its own glossary - "Us, We" is defined as "Foyer Global Health S.A." (p. 45), and the first person is used throughout for the party that provides cover ("We provide insurance cover for illnesses, accidents and other events", 2.1). Foyer Global Health S.A., 12, rue Léon Laval, L-3372 Leudelange, Luxembourg, R.C.S. Luxembourg B 134.471, is also named on p. 2 as the entity supervised by the Commissariat aux Assurances. "Globality Health", "Globality YouGenio® World" and "Globality Health service centre" are brand and service names, not a second carrier. The separately defined "assistance company" (p. 41) is never named.
• edition_date left null: the document prints no element labelled as an edition or version date. The only date-like token is the footer code "YGW GCI 14.02/5" on p. 46, which is recorded as reference; the document nowhere states that "14.02" is an edition date. The source file name contains "V14_0224", a string that is not printed anywhere inside the document and was therefore not used.
• Scope of benefits tables (4.3 to 4.8, pp. 10-18): plan-level membership is NOT in the text layer. The marks are vector drawings - a 12.9 x 12.9 pt circle with a 7.2 x 5.6 pt tick in dark green for "Insured, i.e. we will reimburse 100 % of the eligible expenses", and a 9.3 x 9.3 pt grey cross for "Reimbursement is excluded from the scope of benefits" (legend on p. 2). Each mark was assigned to a column by its x-centre against the header centres (Essential 260.8 / Classic 345.8 / Plus 430.9 / Top 515.9 pt, column width 85.0 pt) and to a row by the row rules (width 182-184 pt). Every mark on every page was placed inside a column and a row: p. 10 40 marks, p. 11 32, p. 12 48, p. 13 30 (two cells of the 'Maximum outpatient limit' row carry an amount and no mark), p. 14 40, p. 15 28, p. 16 56 (14 benefit rows plus one unmarked 'Basic dental services' heading row), p. 17 32, p. 18 32. These facts are recorded in the structured fields only; being drawings and not text, they cannot be supported by a verbatim quote.
• Column-order check on the scope-of-benefits tables: for the 'Therapeutic aids and appliances' row on p. 10 the flat text order is misleading - it emits three identical 'such as cardiac pacemakers...' blocks followed by 'up to € 2,000/...' and 'For therapeutic aids and appliances, such as artificial limbs and prostheses', which reads as if the amount belonged to the Top column. By coordinates the amount sits in the Plus column (x-centre 430-432 pt) and the Top cell carries only a tick. This was confirmed on a high-resolution rendering of that band: Plus shows the pacemaker wording AND the € 2,000 prosthesis allowance, Top shows a tick with no restriction. Attachment throughout these tables was therefore rebuilt by coordinates, not by reading order.
• is_optional: the plan is sold in four plan levels rather than with optional add-ons. is_optional is false where a benefit carries a tick in Essential, Classic, Plus AND Top, and null where at least one plan level carries the cross, because a boolean cannot express "insured in Plus and Top only"; the exact plan-level membership is the first entry of each coverage's conditions. The only genuinely optional elements are the deductible (4.1), the inclusion of pre-existing medical conditions at application (1.2) and the moratorium (1.3), which are flagged is_optional true.
• The asterisk used in the outpatient and dental tables (for example "up to € 250/ $ 325/ £ 210*") is reproduced verbatim; the tables' own footnote reads "All amounts apply per person per insurance year unless we say otherwise." and the outpatient section separately states "Max. outpatient limit applies" in the Classic and Plus columns. The document does not print a separate legend explaining the asterisk itself.
• Contradiction recorded, not resolved: clause 5 "Termination of pregnancy" is placed in the Exclusions chapter but is worded as a grant of cover ("We will cover termination of pregnancy in case of physical life threatening danger..."). Both facts - its placement under Exclusions and its wording - are recorded as printed.
• Typographical oddities preserved as printed: "Reqirements to get medical benefits" (heading 6.1 and contents), "medica professionals" (6.2 e), "Clearinhouse" (exclusion on experimental treatments), "crosssectional" (definition of CT), and the backtick apostrophes in "insured persons" (3.2, 8.1) and "persons eyesight" (exclusion Eyesight). These are the insurer's own text and have not been corrected.
• Page numbers in every block are PDF page numbers. On this document the printed folio matches the PDF page number (checked against pages 9-18 and 41-45); the internal cross-references of the contents page (p. 3) point to the same numbers.
• The document contains a section 4.3 'Annual overall limit' whose table is printed on p. 10 immediately above the inpatient table; it is recorded as a coverage row because it carries its own tick marks and per-plan amounts.

Documents liés

• Globality YouGenio® for Germany (for Germany (Tarifstufen Classic, Plus und Top)) - DE - Conditions générales
• Globality YouGenio® for Germany - EN - Conditions générales

Source & fidélité

• Source : https://globalhealth.insurance/wp-content/uploads/2026/06/Globality_YouGenio_World_GCI_EN_V14_0224.pdf - téléchargé le 2026-08-04 - 46 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.