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Journey EN

Résumé

General Conditions of Insurance for the "Journey" international health insurance product of Foyer Global Health S.A., a Luxembourg health insurance company supervised by the Commissariat aux Assurances. The document sets the contractual framework: declarations on application, entry into force, tacit renewal and termination, Waiting Periods, claim reporting and payment of Benefits, premium payment and adjustment, data protection, sanctions, applicable law and a Glossary. The exact scope of cover, the amounts, the deductible and the co-payment are not in this document but in the Special Conditions; these General Conditions state only that the Insurer will refund up to 100% of the eligible expenses up to the annual overall limit of the Plan chosen.

  • 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. 21
Application Form The application for health insurance which contains the insurance proposal within the meaning of the applicable legislation, signed by the Policyholder and, as the case may be, the Insured Person(s). p. 21
Benefit The reimbursement of health care costs and expenses by the Insurer to the Insured Person subsequent to a Claim covered by the Insurance Policy. p. 21
Bodily Injury A sudden event affecting the Insured Person, which is beyond the control of the Insured Person and results in bodily harm, the cause of which is external to the Insured Person's body and the symptoms of which can be determined and objectively ascertained by a Medical Authority in order to diagnose and administer a Treatment. p. 21
Claim Treatment of an Insured Person following a Disease or Bodily Injury prescribed and administered by a Medical Authority. The Claim begins on the date of the Start of Treatment and ends when a medical examination performed by a Medical Authority confirms that the Treatment is no longer necessary. If the Treatment must be extended for a Disease or due to consequences of a Bodily Injury not directly related to such Treatment, a new Claim is deemed to have arisen. p. 21
Country of Residence The country in which the Insured Person has its current habitual residence or its current temporary residence. p. 21
Disease The deterioration of the state of physical or mental health of the Insured Person, the origin and symptoms of which can be determined and objectively ascertained by a Medical Authority in order to diagnose and administer a necessary Treatment; the deterioration must not, however, be due to a Bodily Injury. p. 21
Distance Insurance Contract Any insurance contract concluded between an Insurer and a Policyholder under an organized distance sales or service-provision scheme run by the Insurer, who, for the purpose of the contract, makes exclusive use of one or more means of distance communication up to and including the moment at which the insurance contract is concluded. p. 21
Doctor Physician (general practitioner or specialist) holding a medical diploma, which is recognized by law in the country in which the Treatment is provided, who is authorized to provide medical care. For the purposes of this Insurance Policy, the term shall also include dentists, alternative practitioners, therapists licensed and/or recognized as such in the country of Treatment. The Insured Person is free to choose a Doctor, who meets the above criteria. p. 21
Dressings Sterile material or substance applied to a wound or injury to protect it, promote healing, and prevent infection. p. 21
Drugs Active substances which are used, alone or mixed with other substances, in the diagnosis or Treatment of Disease, ailment, Bodily Injury or pathological complaint. Food, cosmetics and toiletries are not considered to be Drugs. Drugs must be prescribed by a Doctor and must be delivered by a pharmacy. Drugs are commonly referred to as: "medicines"; "pharmaceuticals". p. 21
Effective Date Date on which the Insurance Policy and the cover ("garantie") and Benefits provided for therein enter into effect, i.e. the date and time indicated in the Particular Conditions or the date of the payment of the first insurance premium, whichever is later, without prejudice to any applicable Waiting Periods. p. 21
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. 21
General Conditions of Insurance The terms and conditions governing the risks insured by the Insurer (this document). p. 22
Glossary The present Glossary of defined terms, which forms an integral part of the General Conditions of Insurance. p. 22
Glossaries The Glossary and the Glossary included at the end of the Special Conditions, which all form an integral part of the Terms and Conditions of Insurance. p. 22
Hospital An institution for inpatient and sometimes outpatient Treatment which is approved and licensed in the country in which it operates. The Insurer will only pay Benefits if the Hospital is under constant medical management, has adequate diagnostic and therapeutic facilities and keeps medical records. The Insurer does not consider convalescent and nursing homes, health centres, health resorts and spas, hospices as well as sanatoriums as Hospitals. p. 22
ICD Codes The classification codes used under the International Classification of Diseases, an international system for coding and classification of all known diagnoses. p. 22
Insurance Certificate The Insurance Certificate issued to the attention of the Policyholder and the Insured Person that confirms the scope, and the Effective Date of the insurance cover provided under the Insurance Policy. p. 22
Insurance Policy The contractual framework for health insurance constituted by the General Conditions of Insurance, together with the Application Form, the Special Conditions, the Particular Conditions, the Glossaries, the Insurance Certificate, and any subsequent written agreements between the Insurer, the Policyholder and, where relevant, the Insured Person. p. 22
Insurance Year Period of 12 months that starts either on the Effective Date or the date of the renewal of the Insurance Policy, as the case may be. p. 22
Insured Person The person designated in the Application Form as the person whose health is insured under the Insurance Policy. By signing the Application Form, the Insured Persons are deemed to also accept to be bound by the terms of the Insurance Policy and any rights and obligations deriving therefrom. Any Insured Person shall receive a Service Card. p. 22
Insurer The Insurer underwriting the Insurance Policy is Foyer Global Health S.A., a health insurance company established in Luxembourg under the form of a public limited liability company (société anonyme) having its registered office at 12, Rue Léon Laval L-3372 Leudelange, registered under no. B134.471 in the Luxembourg Trade and Companies Register, supervised by the Commissariat aux Assurances (11, rue Robert Stumper, L-2557 Luxembourg; +352226911-1; caa@caa.lu). p. 22
Medical Authority A person authorised to practice medicine in the country where the Treatment is delivered, on the basis of a recognised and official medical degree. He/she can make a diagnosis related to a Disease and/or a Bodily Injury. p. 22
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 that is duly authorized and licensed by the authorities in the country of Treatment. b) The most appropriate considering both patient safety and cost effectiveness and are consistent with the generally accepted standards of medical practice. 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. 22
Medication Any substance or composition with curative properties relating to a Disease. p. 23
Particular Conditions The terms and conditions specific to each individual Insurance Policy. p. 23
Plan The Plan chosen by the Policyholder for the Insured Person(s), which defines the extent of the insurance cover provided under the Insurance Policy. p. 23
Policyholder The natural or legal person who enters into the Insurance Policy with the Insurer. p. 23
Service Card The document issued by the Insurer to the Insured Person in accordance with the Insurance Policy, which includes data relevant for contacting the Insurer and which should be used in all communications with the Insurer. p. 23
Service Centre The Service Centre on the ground that offers direct access to local specialists, seamless service and first-class support. The Insured Person can access help services in line with the Plan level chosen whenever an insured event or Emergency happens. On the reverse of the Service Card the number is indicated to contact the Service Centre - 24 hours a day, 7 days a week. The "Insurance No." indicated on the front side of the Service Card should always be at hand. The Service Centres are familiar with the healthcare system and the local structures of the Country of Residence. They will recommend Doctors and Hospitals, make appointments or procure Medication. The Service Centre can issue a guarantee for payment or ensure for the quick and straightforward reimbursement of costs. p. 23
Special Conditions The document specifying the exact scope of the insurance cover and the Benefits provided for under the Insurance Policy. p. 23
Start of Treatment The date on which a Medical Treatment, prescribed and administered by a Medical Authority subsequent to a Disease or Bodily Injury, commences. p. 23
Terms and Conditions of Insurance The General Conditions of Insurance, the Special Conditions of Insurance, and, where applicable, the Particular Conditions of Insurance, are collectively being referred to as the Terms and Conditions of Insurance. p. 23
Treatment The diagnostic and therapeutic measures classified as medical services, including medical advice, aids and interventions as well as Drugs and Dressings, which serve to recognize or alleviate and cure a Disease or Bodily Injury and which are deemed Medically Necessary on the basis of objective medical findings and scientific knowledge at the time of Treatment. p. 23
Waiting Period Period after the Effective Date during which no cover and no Benefits are granted under the Insurance Policy for the risks subject to the Waiting Period. p. 23

Garanties

Reimbursement of eligible expenses - p. 3

Within the scope of the maximum reimbursement amount agreed, and depending on the Plan level chosen, the Insurer will refund up to 100% of the eligible expenses up to the annual overall limit listed in the Scope of Benefits set out in the Special Conditions, unless reflected otherwise in the Particular Conditions, the Insurance Certificate, or any subsequent written agreement. - Optionnelle : non · Limite : up to 100% of the eligible expenses up to the annual overall limit listed in the Scope of Benefits set out in the Special Conditions - Condition : Depends on the Plan level chosen - Condition : The exact scope of cover is set out in the Special Conditions

Benefits following a Disease or Bodily Injury (Claim) - p. 21

A Claim is the Treatment of an Insured Person following a Disease or Bodily Injury prescribed and administered by a Medical Authority; the Benefit is the reimbursement of health care costs and expenses by the Insurer to the Insured Person subsequent to a Claim covered by the Insurance Policy. - Optionnelle : non - Condition : The Treatment must be Medically Necessary - Condition : The Treatment must be prescribed and administered by a Medical Authority

Inception of newborn babies - p. 7

Newborns are included as Insured Persons from the moment of birth, without any Waiting Periods and without medical underwriting, provided that the birth mother has been a Policyholder and Insured Person for at least 9 (nine) consecutive months preceding the birth date and a new Application Form for the newborn is submitted within 2 (two) months of birth date. In such case, the relevant Benefits for the newborn apply retroactively as of the first day of the month of the child's birth. - Optionnelle : non · Limite : The Benefits granted to the newborn may not be higher or more extensive than the Benefits granted to the birthmother as Insured Person; the insurance coverage for the newborn must not be higher or more comprehensive than that of either parent insured with the Insurer - Condition : Birth mother a Policyholder and Insured Person for at least 9 (nine) consecutive months preceding the birth date - Condition : New Application Form submitted within 2 (two) months of birth date - Condition : Newborns can only be insured at the tariffs applicable to any new Insurance Policy concluded as of the date of the relevant birth

Newborn care Benefit - p. 7

Coverage under the 'newborn care' Benefit remains applicable if the specified conditions are met, even if the birth mother has not completed the Waiting Period for maternity care. - Condition : The specified conditions for the inception of the newborn are met

Psychiatric Treatment and psychotherapy - p. 10

Benefit subject to a Waiting Period: in the case of psychiatric Treatment, psychotherapy, and major dental services, the Waiting Period is 10 (ten) months from the Effective Date. - Condition : Waiting Period of 10 (ten) months from the Effective Date - Condition : Without prejudice to the Special Conditions

Major dental services - p. 10

Benefit subject to a Waiting Period: in the case of psychiatric Treatment, psychotherapy, and major dental services, the Waiting Period is 10 (ten) months from the Effective Date. - Condition : Waiting Period of 10 (ten) months from the Effective Date

Benefit subject to a Waiting Period: in the case of pregnancy and childbirth, the Waiting Period is 12 (twelve) months from the Effective Date, irrespective of the number of Insured Persons. The lead-in sentence of clause 3.1 lists "pregnancy and childbirth, including complications related to pregnancy and childbirth". - Condition : Waiting Period of 12 (twelve) months from the Effective Date, irrespective of the number of Insured Persons

Prophylactic mastectomy surgery - p. 10

Benefit subject to a Waiting Period: in the case of prophylactic mastectomy surgery, the Waiting Period is 24 (twenty-four) months from the Effective Date. - Condition : Waiting Period of 24 (twenty-four) months from the Effective Date

Infertility Medical Treatment - p. 10

Benefit subject to a Waiting Period: in the case of infertility Medical Treatment, the Waiting Period is 24 (twenty-four) months from the Effective Date for both spouses or partners. - Condition : Waiting Period of 24 (twenty-four) months from the Effective Date for both spouses or partners

Hospital (inpatient) Treatment - p. 10

Hospital Treatments shall be reported as soon as possible to the relevant Service Centre after the commencement of such Treatment; the Service Centre can issue a guarantee for payment or ensure for the quick and straightforward reimbursement of costs. - Condition : Reported to the Service Centre as soon as possible after the commencement of the Treatment - Condition : The Hospital must be approved and licensed, under constant medical management, with adequate diagnostic and therapeutic facilities and medical records

Service Centre assistance if there is an Accident or Emergency - p. 11

The Insured Person has the convenience of contacting the relevant Service Centre 24/7, 365 days a year, particularly following a significant event such as an Accident, Emergency, or inpatient Treatment. The addresses, phone numbers, and email addresses can be found on all relevant documents and the Service Card. - Limite : The Insured Person can access help services in line with the Plan level chosen - Condition : An insured event or Emergency happens

Guarantee of payment and appointment support by the Service Centre - p. 23

The Service Centres are familiar with the healthcare system and the local structures of the Country of Residence. They will recommend Doctors and Hospitals, make appointments or procure Medication. The Service Centre can issue a guarantee for payment or ensure for the quick and straightforward reimbursement of costs. - Portée : Country of Residence

Drugs and Dressings - p. 21

Treatment includes Drugs and Dressings which serve to recognize or alleviate and cure a Disease or Bodily Injury and which are deemed Medically Necessary. Drugs must be prescribed by a Doctor and must be delivered by a pharmacy. - Condition : Prescribed by a Doctor - Condition : Delivered by a pharmacy - Condition : Medically Necessary

Exclusions

Exclusion Description S'applique à Page
Claims arising before the Effective Date No Benefits shall be paid for Claims arising before the Effective Date. all p. 6
Benefits during a Waiting Period Period after the Effective Date during which no cover and no Benefits are granted under the Insurance Policy for the risks subject to the Waiting Period. The Insurance Policy and the cover and Benefits provided for thereunder take effect no earlier than the expiry of any applicable Waiting Periods. all p. 23
Maternity care where the birth mother has not completed the Waiting Period If the birth mother has not completed the Waiting Period for maternity care, expenses related to maternity care will not be covered. Pregnancy and childbirth, including related complications p. 7
Treatments taking place after the end of the policy The entitlement to receive any Benefits under the Insurance Policy ceases automatically on the date on which the Insurance Policy is terminated, including for Claims that may have arisen and/or been reported to the Insurer prior to that date. The Claims that occur during the Insurance Year will be honoured however, the Treatments that took place after the end date of the policy are not covered. all p. 7
Claims occurring during the suspension period for non-payment Claims occurring during the suspension period following the grace period shall not give rise to the granting of any Benefits from the Insurer. all p. 14
Intentional omission or inaccuracy Notwithstanding other statutory grounds for nullity, the Insurance Policy shall be void in case of any intentional omission or inaccuracy affecting the responses and declarations, which have misled the Insurer in its risk assessment. In such circumstances, the Insurer shall remain entitled to premiums already paid. all p. 4
Unintentional omission or inaccuracy: pro-rata Benefits If the omission or inaccuracy is the fault of the Policyholder and if a Claim arises before the amendment or termination becomes effective, the Insurer is only required to grant Benefits in accordance with the proportion of the premium actually paid to the premium that would have been required if the risk had been fully and accurately declared. However, if the Insurer proves that it would never have insured the relevant risk, the Benefits shall be limited to the reimbursement of all premiums paid. all p. 4
Failure to declare an aggravation of the risk If the failure to declare is due to the fault of the Policyholder, the Insurer shall only be required to pay the agreed Benefit in proportion to the premium actually paid relative to the premium that would have been due. If the Insurer demonstrates that it would not have insured the aggravated risk under any circumstances, its liability shall be limited to reimbursing the premiums paid for the period following the occurrence of the aggravation. If the Policyholder has acted with fraudulent intent, the Insurer may refuse all Benefits. all p. 5
Failure to comply with the obligations under the Insurance Policy If the Policyholder and/or Insured Person fails to comply with the obligations imposed upon them under the Insurance Policy, the Insurer may not be required to pay the Benefits, or may limit the Benefits. If the failure results in a loss for the Insurer, the insurance Benefits may be reduced in proportion to the loss suffered. all p. 10
Fraudulent intent If the Policyholder and/or the Insured Person do not comply with the obligations imposed upon them under the Insurance Policy with fraudulent intent, the Insurer shall be entitled to decline the cover provided for under the Insurance Policy and to refuse the payment of any insurance Benefits. all p. 10
Costs already borne by a national health insurance fund or another body If the Policyholder or Insured Person is also entitled to Benefits from a national health insurance fund or from another insurance body or institution, the Insurer must be informed. The Insurer is only required to cover the costs incurred by the Policyholder or Insured Person which exceed the Benefits already received from such other fund, body or institution. all p. 11
Cumulative insurance: mandatory health insurance takes precedence If another health Insurance Policy with mandatory Benefits exists in addition to this Insurance Policy, such mandatory health insurance shall take precedence over the Insurance Policy. all p. 5
Pre-existing illnesses and consequences of Accidents on a change of cover Illnesses and their consequences, as well as the consequences of Accidents which have occurred during the previous insurance term, and which constitute an increased risk according to medical findings may be excluded from the changed insurance cover. This also includes the Treatment and delivery associated with an existing pregnancy. all p. 15
Cover exposing the Insurer to sanctions The Insurer is not required to grant or pay any insurance Benefits or to guarantee any insurance cover if the performance of the insurance cover or the provision of a Benefits would expose the Insurer to the risk of incurring any sanction, penalty, prohibition, liability or restriction under applicable rules and regulations, including financial, economic and trade sanctions laws, regulations or resolutions adopted by the United Nations, the European Union, the United States of America, the United Kingdom and any other jurisdiction relevant to this insurance contract. all p. 17
Sanctioned persons The Insurer will not provide insurance cover to, will not accept premium payment from, and will not be liable to pay any Claim or provide any Benefit to a sanctioned person as designated by a relevant authority. The provision of insurance cover to an Insured Person, including eligible members and their dependents, will be immediately suspended and/or terminated in the event they are designated as a sanctioned person. all p. 17
Sanctioned jurisdictions No insurance cover can be provided where involving a sanctioned country or territory in any way; no payment of premium, payment of Claim or provision of Benefit can be made from or to a bank account open in a sanctioned jurisdiction or in a sanctioned jurisdiction government-controlled bank; no guarantee of payment can be provided to a provider established in a sanctioned jurisdiction. The list includes but is not limited to Afghanistan, Belarus, Iran, Myanmar (Burma), North Korea, Russia, Russia-occupied or annexed regions of Ukraine (including Crimea, Donetsk, Kherson, Luhansk, Sevastopol and Zaporizhzhia), South Sudan, Syria and Yemen. all p. 17
Evacuation or repatriation from a sanctioned jurisdiction No evacuation or repatriation of an Insured Person will be carried out from a sanctioned jurisdiction. all p. 17
Restricted jurisdictions: guarantees of payment and bank payments The Insurer will not provide guarantees of payment to Hospitals and will not make payments to bank accounts open in a restricted jurisdiction. all p. 17
Evacuation or repatriation from a restricted jurisdiction No evacuation or repatriation of an Insured Person will be carried out from a restricted jurisdiction. all p. 17
Institutions not considered Hospitals The Insurer does not consider convalescent and nursing homes, health centres, health resorts and spas, hospices as well as sanatoriums as Hospitals. Hospital (inpatient) Treatment p. 22
Items not considered to be Drugs Food, cosmetics and toiletries are not considered to be Drugs. Drugs and Dressings p. 21
Measures required purely for comfort or convenience To be Medically Necessary, medical measures must be not required purely for comfort or convenience of the patient, medical providers, therapists or Doctors. all p. 23
Clinical trial, experimental, investigational or cosmetic purposes To be Medically Necessary, medical measures must be not for clinical trial, experimental, investigational, or cosmetic purposes. all p. 23
Screening and preventive care purposes To be Medically Necessary, medical measures must be not for screening and preventive care purposes. all p. 23
Voidness for bad-faith over-insurance If, in bad faith, a given risk is insured under one or more insurance policies, including the Insurance Policy, with a premium that is too high, the Insurance Policy shall be null and void. In this case, the Insurer acting in good faith may keep the premiums collected as a means to indemnify any loss suffered. all p. 8
Limitation of liability In the absence of gross negligence ("faute lourde") or wilful misconduct ("dol") on its part, the Insurer shall not be liable to the Policyholder or the Insured Person for any loss, Claim, liability, expense or damage arising from any action taken or omitted by the Insurer in connection with the provision of services or with the taking of any action contemplated under the Insurance Policy. all p. 9
Force majeure The Insurer shall not be liable for any action taken, or for failure to take any action required to be taken, in the event and to the extent that such action or such failure arises out of or is caused by events beyond the Insurer's reasonable control (force majeure), including, without limitation, civil or labour disturbances, war, insurrection, riots, civil or military conflict, sabotage, labour unrest, strike, lock-out, fire, flood or water damage, acts of God, act of any governmental authority or threat of any authority (de jure or de facto), legal constraint, fraud or forgery, Accident, explosion, mechanical breakdown, computer or systems failure, failure of equipment, failure or malfunction of communications media or interruption of power supplies, local or foreign law, judicial process, decree, regulation, order or other action of any local or foreign government, authority, court, self-regulatory organisation, government agency or instrumentality of government. all p. 19
Insurer liability for sanctions-related refusals The Insurer cannot be held liable for any kind of damage, whether financial, physical or psychological, resulting from a refusal of insurance cover or a non-payment of Claim or provision of Benefit involving a sanctioned person or a sanctioned or restricted jurisdiction. all p. 17
Cover is not a substitute for mandatory local health insurance The insurance cover provided under the Insurance Policy does not purport to comply with local health insurance legislation and obligations and is not a substitute for any mandatory health insurance scheme. The Insurer may not be held liable for breaches of any local health insurance legislation or obligations. all p. 19
Benefits not assignable The rights to the Benefits granted under the Insurance Policy shall not be assigned, transferred or pledged. all p. 11
No specific statutory guarantee fund According to Luxembourg law, the Benefits granted under the Insurance Policy are not subject to a specific statutory guarantee fund. Nevertheless, any Claims for the payment of Benefits are protected under the triangle of security (triangle de sécurité). all p. 19

Franchises

  • Par garantie : The General Conditions list the deductible, the co-payment and the out of pocket maximum among the elements of insurance cover that can only be changed from the beginning of the next Insurance Year (clause 5.2), but state no amount or percentage: those are in the Special Conditions / Particular Conditions.

Délais d'attente

  • NoneThe Waiting Periods commence on the Effective Date, the details of which are outlined in the Special Conditions. Without prejudice to the Special Conditions, the following specific Waiting Periods apply to the Insurance Policy: In the case of psychiatric Treatment, psychotherapy, major dental services, pregnancy and childbirth, including complications related to pregnancy and childbirth, prophylactic mastectomy surgery and infertility medical Treatment. p. 10
  • Psychiatric Treatment, psychotherapy, and major dental services : (i) In the case of psychiatric Treatment, psychotherapy, and major dental services, the Waiting Period is 10 (ten) months from the Effective Date. (10 (ten) months from the Effective Date) p. 10
  • Pregnancy and childbirth : (ii) In the case of pregnancy and childbirth, the Waiting Period is 12 (twelve) months from the Effective Date, irrespective of the number of Insured Persons. (12 (twelve) months from the Effective Date) p. 10
  • Prophylactic mastectomy surgery : (iii) In the case of prophylactic mastectomy surgery, the Waiting Period is 24 (twenty-four) months from the Effective Date. (24 (twenty-four) months from the Effective Date) p. 10
  • Infertility Medical Treatment : (iv) In the case of infertility Medical Treatment, the Waiting Period is 24 (twenty-four) months from the Effective Date for both spouses or partners. (24 (twenty-four) months from the Effective Date for both spouses or partners) p. 10
  • New Benefits after an extension of the Insurance Policy : If the Insurance Policy is amended in order to extend the Benefits provided thereunder, the Waiting Periods shall apply to the relevant new Benefits granted under the amended Insurance Policy, in accordance with the agreed Plan level. p. 10
  • Additional insurance cover after a change of cover : Depending on the agreed Plan level, new Waiting Periods shall apply accordingly for the additional insurance cover. p. 15
  • Newborns : Newborns are included as Insured Persons from the moment of birth, without any Waiting Periods and without medical underwriting, provided the conditions of clause 2.6 are met. (without any Waiting Periods) p. 7

Obligations de l'assuré

  • The Policyholder undertakes to answer truthfully and exhaustively all the questions that the Insurer asks and to declare accurately, at the time of conclusion of the Insurance Policy, all circumstances known to it which it may reasonably consider as relevant for the Insurer's assessment of the insured risk, and to cause the Insured Person to do the same. The Insured Person and the Policyholder shall be jointly and severally liable. (Upon entering the Insurance Policy · The Insurance Policy shall be void in case of intentional omission or inaccuracy (the Insurer keeps premiums already paid); for unintentional omission, amendment or termination, and Benefits reduced in proportion to the premium paid or limited to reimbursement of premiums.) p. 4
  • The Policyholder and/or the Insured Person are required to declare any circumstances that may result in a perceptible and lasting increase in the insured risk. The provisions of this clause shall not apply in cases involving changes in the state of health of the Insured Person. (During the term of the Insurance Policy · Benefit reduced in proportion to the premium actually paid; reimbursement of premiums if the Insurer would not have insured the aggravated risk; refusal of all Benefits in case of fraudulent intent.) p. 5
  • Without prejudice to the provisions of the present General Terms of Insurance, the Policyholder and/or the Insured Person must report any Claim to the Insurer within three (3) months. (On a Claim) p. 10
  • The Insured Person must take all the necessary measures to avoid or limit the consequences of any Claims. (On a Claim · The Insurer may not be required to pay the Benefits, or may limit them.) p. 10
  • The Policyholder and/or the Insured Person must without delay provide all relevant information and documents to the Insurer and/or its agent and respond to all of the latter's inquiries, in order to enable the Insurer to determine the circumstances and the extent of the Claim. (On a Claim · The Insurer may not be required to pay the Benefits, or may limit them.) p. 10
  • At the request of the Insurer, the Insured Person is required to be examined by a Medical Authority appointed by the Insurer. (On a Claim) p. 10
  • Unless otherwise agreed upon by the Insurer, the Policyholder and/or Insured Person shall directly forward all relevant documents and information, such as invoices and proof of payment, to the Insurer or relevant Service Centre when an insured event occurs. (On a Claim) p. 10
  • Hospital Treatments shall be reported as soon as possible to the relevant Service Centre after the commencement of such Treatment. (As soon as possible after the commencement of the Treatment) p. 10
  • The Insured Person shall allow the Insurer or the Service Centre to gather any necessary information, especially concerning the release of medical professionals from their duty of confidentiality. (On a Claim) p. 10
  • The Policyholder and the Insured Person are expected to exercise cost-conscious behaviour in the event of a Claim, by limiting expenses for Treatment to what is necessary. (On a Claim) p. 10
  • If the Policyholder or Insured Person is also entitled to Benefits from a national health insurance fund or from another insurance body or institution, the Insurer must be informed. (On a Claim · The Insurer only covers the costs which exceed the Benefits already received.) p. 11
  • Unless otherwise stipulated, the premiums, fees, and taxes due under the Insurance Policy must be paid in advance to the Insurer's head office and/or the agent designated by the Insurer. Payment is required from the Policyholder. (During the term of the Insurance Policy · Benefits suspended after a grace period of 30 (thirty) calendar days following a registered letter; the Insurer may terminate 10 (ten) calendar days after the expiry of that grace period; automatic termination after an uninterrupted suspension period of 2 (two) years.) p. 13
  • The Policyholder undertakes to inform the Insured Person of contemplated amendments or changes notified by the Insurer. (On notification of an amendment) p. 15
  • The termination shall only take effect if the Policyholder proves to the Insurer that the relevant Insured Persons have been informed about the Policyholder's notice of termination. (On termination · The termination is not valid.) p. 8
  • The Policyholder and the Insured Person undertake to verify and ensure that the conclusion of the Insurance Policy complies with any legal requirements to which they are subject. (On conclusion and during the term · Obligation to indemnify and hold harmless the Insurer against any direct or indirect loss, damage, cost, sanction, penalty or fee.) p. 19
  • Declarations of intent, conversions and notices concerning the Insurance Policy and any change of data pertaining to the Policyholder or the Insured Person must always be addressed to the Insurer in writing without delay. (During the term of the Insurance Policy · The Insurer shall not be liable for any loss suffered as a consequence.) p. 19

Procédure de sinistre

  1. The Policyholder and/or the Insured Person must report any Claim to the Insurer. (délai : three (3) months) p. 10
  2. The Insured Person has the convenience of contacting the relevant Service Centre 24/7, 365 days a year, particularly following a significant event such as an Accident, Emergency, or inpatient Treatment. The addresses, phone numbers, and email addresses can be found on all relevant documents and the Service Card. p. 11
  3. Hospital Treatments shall be reported to the relevant Service Centre after the commencement of such Treatment. (délai : as soon as possible) p. 10
  4. Forward directly to the Insurer or relevant Service Centre all relevant documents and information such as invoices and proof of payment. Invoices and proofs of payment must be original documents complying with the legal provisions of the issuing country; they may be provided by e-mail or ordinary mail if readable. The Insurer may at any time request the original supporting documents. If another Insurer and/or institution has contributed to reimbursing costs, duplicate invoices and proofs of payment are sufficient provided a document evidencing the amount reimbursed is also provided. p. 11
  5. First and last name, as well as the date of birth of the Insured Person (and any potential co-Insured Persons), an exact statement of the Disease or Bodily Injury by a Doctor (diagnosis) or a precise description of the whole Disease or a reference to the relevant ICD Code 9 and/or 10, or the whole Bodily Injury with Treatment data and unit prices. For dental care, the designation of the teeth treated or replaced and the services relating thereto must be indicated. p. 11
  6. First and last name, as well as the date of birth of the Insured Person (and any potential co-Insured Persons), the prescribed Medication, the price and the payment reference. Prescriptions must be provided with the Doctor's note of fees and/or the bill for Treatment, Medications and remedies. p. 11
  7. The Insurer is entitled to request that the supporting documents and information be submitted on its own forms, duly completed by the Policyholder or the Insured Person and the attending Medical Authority as the case may be. p. 11
  8. The Insurer is entitled to pay its Benefits to the person who submits the supporting documents and information in due form. In the event of doubts, the Insurer shall pay the reimbursement amount to the Policyholder and any such payment shall validly discharge the Insurer. Invoices are reimbursed in the currency agreed with the Insured Person; foreign-currency costs are converted at the actual rate applicable on the day that the invoice was issued, unless the Insured Person can submit bank vouchers proving that they were purchased at a less advantageous rate. p. 11
  9. Any supporting documents or information must be submitted in French, German, Spanish or English. Any fees incurred by the Insurer in relation to translations of documents and information into any other languages may be deducted from the insurance Benefits granted. p. 11

Durée & résiliation

  • Durée : The Insurance Policy is entered into for a period of 12 (twelve) months. Insurance coverage will end after a maximum period of 5 (five) consecutive Insurance Years for Policyholders and/or Insured Persons temporarily residing in Germany.
  • Reconduction tacite : oui
  • Préavis : Termination at renewal: written termination notice no later than 30 (thirty) calendar days from the postmark date of the payment notice; effective on the second business day after the postmark date, but not before the renewal date. Unless otherwise provided, termination takes effect after a period of 1 (one) month following the date of notification.
  • Modalité : registered letter ("lettre recommandée")
  • Modalité : bailiff notification ("exploit d'huissier")
  • Modalité : delivery of the termination letter against receipt ("remise de la lettre de résiliation contre récépissé")
  • Droit spécial : Right of withdrawal of 14 (fourteen) calendar days without penalty and without explanation where the Insurance Policy is entered into remotely, notified by registered letter (clause 2.4, pages 5-6)
  • Droit spécial : Termination by the Policyholder within three (3) months of the dispatch of the notification letter informing of an amendment to the Terms and Conditions of Insurance; effective three (3) months after the date of notification (clause 2.8.3, page 8)
  • Droit spécial : Termination by the Policyholder within 60 (sixty) days of the postmarked date of the notification letter informing of a premium increase (clause 2.8.3, page 8)
  • Droit spécial : Termination of the Insurance Policy in its entirety within 1 (one) month if the Insurer has terminated one or more insured risks (clause 2.8.3, page 8)
  • Droit spécial : Termination by the Insurer with immediate effect if Benefits were obtained or attempted to be obtained fraudulently, forfeited if not used within 1 (one) month (clause 2.8.4, page 8)
  • Droit spécial : Automatic termination: on reaching the maximum insurance period of 5 (five) Insurance Years for individuals temporarily residing in Germany; on the death of the Policyholder; when the Policyholder objects to renewal; if the contract is declared null and void; if the Insurance Policy has been suspended continuously for 2 (two) years (clause 2.8.1, page 7)
  • Droit spécial : A divorce or equivalent separation shall not automatically cause the termination of the Insurance Policy (page 8)
  • Droit spécial : In the case of multiple covers or insured risks, the termination may relate to one or several of such insurance covers and/or risks (clause 2.8.2, page 8)
  • Droit spécial : Surviving Insured Persons or Insured Persons may renew or subscribe a new contract at the same conditions by appointing a new Policyholder within 2 (two) months (pages 7 and 8)
  • Droit spécial : Repayment of premiums relating to the insurance period running after the effective date of termination, within 30 (thirty) days, with statutory interest thereafter (clause 2.11, page 9)
  • Droit spécial : Termination by the Insurer 10 (ten) calendar days after the expiry of the 30 (thirty) day grace period for non-payment of premiums (clause 4.5, page 14)

Prescription

The statute of limitation period for any legal actions arising out of or in connection with the Insurance Policy is 3 (three) years. Such limitation period starts running as of the day on which the event that gives rise to the relevant legal action occurs. If the person who is entitled to take action can prove that it became aware of the actionable event only at a later date, the limitation period shall start running only at such later date, without exceeding 5 (five) years from the date of the occurrence of the actionable event, except in case of fraud. The statute of limitations runs also against minors or other persons deemed incapable under law, but does not run against the Insured Person that is unable to act within the prescribed time limit due to force majeure. If the Claim has been reported in due time, the statute of limitations is interrupted until the Insurer has informed the Policyholder or the Insured Person in writing of its decision pertaining to the Claim. p. 12

Prime

  • Premiums, fees and taxes must be paid in advance to the Insurer's head office and/or the agent designated by the Insurer; payment is required from the Policyholder (page 13).
  • If the Insurance Policy encompasses multiple insured risks, the aggregate amount of premiums due is considered a single, indivisible premium (page 13).
  • The premium is typically an annual premium and may be paid in various instalments; insurance cover does not begin until the first premium or premium instalment has been paid in full (page 13).
  • If the policy terminates during an active invoicing period, the premium will be adjusted proportionally (page 13).
  • The premium depends on the state of health of the Insured Person at the time the Application Form is accepted, the individual premium according to the current table of premiums and the age of the Insured Person on the first day of the Insurance Year. The age bands are: 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 and 79+. The premium tables can be found on https://www.globalhealth.insurance (page 13).
  • Insurance premium tax (IPT): if the Country of residence is within the EU/EEA the Insurer invoices the statutory charges, dues or taxes together with the premium; if outside the EU/EEA the Policyholder is responsible for the registration and payment of local taxes (page 13).
  • The premium is subject to change depending on: actual Claims costs no longer corresponding to the technical calculation basis on the Plan or the observed cost trend in the health care system; the change of age band; changes to applicable legislation (page 13).
  • The Insurer will inform the Policyholder in writing about any premium change at least 3 (three) months before the beginning of the next Insurance Year; the change applies from the beginning of the next Insurance Year (page 14).
  • In the event of non-payment within 10 (ten) calendar days of the due date, Benefits are suspended after a 30 (thirty) calendar day grace period following a registered letter; the right to claim premiums during suspension is limited to premiums pertaining to 2 (two) consecutive years (page 14).
  • The euro (EUR) is the basic currency for all Plans; the Policyholder may choose US dollars (USD), pounds sterling (GBP) or Swiss francs (CHF) as the contractual currency, with exchange rates reviewed twice a year and currency risk borne by the Policyholder and Insured Person (page 14).
  • For adopted minor children, medical underwriting is applicable and an extra premium, not exceeding 500%, may be charged for medical reasons or after a risk assessment, in addition to the Plan premium (page 7).
  • Reporting a birth after the 2 (two)-months period may result in an additional premium charge, applied for medical reasons or following a risk assessment (page 7).
  • Health related risk loadings payable prior to a change of insurance cover are also levied on the new Plan premiums at the same percentage rates unless agreed otherwise (page 15).

Conditions particulières

  • The mutual rights and obligations are governed by: the Application Form; the Insurance Certificate; the General Conditions of Insurance (this document); the Special Conditions; the Particular Conditions; the Glossaries; and any subsequent written agreements concluded between the Insurer, the Policyholder and, where relevant, the Insured Person. p. 3
  • In the event of discrepancy, the Particular Conditions shall prevail over the Special Conditions and the General Conditions of Insurance, and the Special Conditions shall prevail over the General Conditions of Insurance. The English version of all relevant literature and documentation shall prevail over any other language or translation. p. 3
  • Where the Insurance Policy is entered into remotely, the Policyholder has 14 (fourteen) calendar days to withdraw without penalty and without reason. The period runs from the date the Policy is entered into remotely, or from receipt of the Insurance Policy if later. Notification must be by registered letter to the registered office before expiry. The Insurer must reimburse all sums received within 30 (thirty) calendar days, with statutory interest thereafter; the Policyholder must return any sums and/or property received within the same period. p. 5
  • The entitlement to receive any Benefits ceases automatically on the date the Insurance Policy is terminated, including for Claims that may have arisen and/or been reported prior to that date. The Claims that occur during the Insurance Year will be honoured. p. 7
  • The Insurer may amend or change the terms and conditions; it shall notify the Policyholder in writing at least 3 (three) months before the beginning of the next Insurance Year. If no objection is received within that 3 (three) month deadline, the Policyholder and the Insured Person shall be deemed to have tacitly approved the amendment. p. 15
  • Changes in insurance cover (currency, area of coverage, deductible, co-payment, out of pocket maximum, Plan level) are only possible from the beginning of the next Insurance Year, and only if the Insurer agrees in writing. The previous insurance cover continues to apply if a requested change does not become effective because the right of withdrawal has been exercised. The Insurance Year remains unchanged following a change of the insurance cover. p. 15
  • The Insurer shall be subrogated in any rights and actions that the Policyholder or Insured Person may have against any third party in relation to a Claim, for the amount of Benefits paid. If, due to actions or omissions of the Policyholder or Insured Person, subrogation may no longer produce its effects, the Insurer may claim repayment in proportion to the loss suffered. Except in the presence of malice, the Insurer shall have no legal recourse against the Insured Person's descendants, ascendants, spouse and in-laws in direct line, nor against those living in the Insured Person's home, its hosts and household employees. p. 12
  • The Insurer may use service providers, sub-contractors and cloud computing technologies. The Policyholder expressly consents to any subcontracting, including cloud computing, within the meaning of Article 300, 2bis, second paragraph of the amended law of 7 December 2015, and can access the sub-contracting table at any time at https://www.foyer.lu/en/transparency or request a hard copy. If within 2 (two) months of a change in the table the Policyholder has not objected in writing, it is deemed to have irrevocably accepted; an objection must be notified by registered letter and is valid as a cancellation at the next expiry of the contract, one objection per insurance contract. p. 15
  • In accordance with Regulation EU 2016/679 and the Act of August 1, 2018, the Insurer as data controller collects, records and processes data to assess risks, prepare, establish, manage and execute the insurance contract(s), settle Claims and prevent fraud. Special categories of personal data relating to health are processed strictly within the scope of Article 9 paragraph (2) g) of the GDPR for reasons of substantial public interest or on the basis of the Insured Person's prior and explicit consent. Data may be communicated to the reinsurer, medical consultants, lawyers or other service providers. Data subjects have rights of access, limitation, deletion, rectification and portability. Data Protection Officer: bc-dataprotectionfgh@foyer.lu. p. 15
  • All notifications from the Insurer to the Policyholder are deemed validly made if mailed by post to the Policyholder's last known address, and are deemed received 10 (ten) calendar days after the postmarked date of dispatch. Notifications made to the Insurer must be sent to the Insurer's registered office. p. 18
  • In the event of a dispute, the Policyholder must submit a written complaint to one of: a) the senior management of the Insurer, Foyer Global Health S.A., 12, rue Léon Laval, L-3372 Leudelange, Luxembourg, Telephone +352 270 444 3100, feedback@globalhealth.insurance; b) the Insurance Ombudsman, in care of the Association des Compagnies d'Assurances et de Réassurances du Grand-Duché de Luxembourg, 12 rue Erasme, L-1468 Luxembourg; c) the Consumer Ombudsman, Union Luxembourgeoise des Consommateurs, 55 rue des Bruyères, L-1274 Howald; d) the National Consumer Ombudsman Service, Service National du Médiateur de la Consommation, 6 rue du Palais de Justice L-1841 Luxembourg; e) the Luxembourg Insurance Commission, Commissariat aux Assurances, 11 Rue Robert Stumper, L-2557 Gasperich Luxembourg, subject to the complaint having been previously dealt with by the Insurer. This is in addition to the right to pursue legal action in court. p. 18
  • The Insurance Policy shall be governed by and construed in accordance with Luxembourg law. For any dispute, only the courts of Luxembourg, Grand Duchy of Luxembourg shall be competent, without prejudice to relevant European regulations or international treaties. For any Claim in tort against the Insurer, the courts of Luxembourg have exclusive jurisdiction. p. 18
  • The Policyholder and the Insured Person expressly require that the Terms and Conditions of Insurance and, more generally, the Insurance Policy and all supporting documents and information be submitted in English, German, French or Spanish. Correspondence and all other communications shall be in English, German, French or Spanish, unless otherwise specified in the Application Form. p. 19
  • The solvency and financial condition report published from time to time by the Insurer is available on the Insurer's website at https://www.globalhealth.insurance. p. 19
  • According to Luxembourg law, the Benefits are not subject to a specific statutory guarantee fund. Any Claims for the payment of Benefits are protected under the triangle of security (triangle de sécurité) constituted by the mandatory Luxembourg law provisions governing the deposit of the technical provisions, the related supervision by the Commissariat aux Assurances and the applicable statutory liens (privilèges). p. 19
  • The Insurer reserves the right to adjust the terms and conditions of the Insurance Policy and cover immediately and without notice in the event of any change in the political situation of a covered jurisdiction, including its designation as a restricted or a sanctioned jurisdiction or the evolution of sanctions imposed on that jurisdiction. p. 17
  • Where the Policyholder has provided incomplete or incorrect information on any Insured Person, including on their identification and/or geographical location, the Insurer may require remedial action in a determined time, suspend the insurance cover and/or terminate it immediately for cause and without prior notice. p. 18
  • The Insured Person is free to choose a Doctor who meets the criteria of the Doctor definition (medical diploma recognized by law in the country of Treatment and authorisation to provide medical care; the term also includes dentists, alternative practitioners and licensed therapists). p. 21
  • Nationals or residents of a sanctioned jurisdiction and those persons having travelled to a sanctioned jurisdiction in the past will only be covered when physically located outside sanctioned jurisdictions and provided they do not qualify as sanctioned persons. p. 17
  • The latest list of sanctioned jurisdictions is available at https://www.globalhealth.insurance/conditions. The latest list of restricted jurisdictions is available in the Insurer's IDD Download Centre at https://www.globalhealth.insurance/conditions. p. 17
  • The Insurer shall notify the Policyholder, within 30 days of the receipt of the Application Form, of either an insurance offer, the need for an inquiry or survey, or a refusal to insure. The Application Form does not bind either the Policyholder or the Insurer to conclude the Insurance Policy. p. 4
  • The Insurance Policy shall be deemed concluded on the date when the Insurer countersigns the Particular Conditions that have been signed by the Policyholder after the submission of the duly signed Application Form. p. 6
  • The Insurer shall only pay Benefits if the supporting documents and information requested are provided. Said documents shall thereafter become the property of the Insurer, which reserves the right to archive them according to the applicable rules and regulations. p. 11

Lacunes d'extraction

  • Risk carrier, read at the verb: "The Insurer underwriting the Insurance Policy is Foyer Global Health S.A." (page 3, repeated in the Glossary entry "Insurer" on page 22), R.C.S. Luxembourg B134.471, 12 rue Léon Laval L-3372 Leudelange, supervised by the Commissariat aux Assurances. No other entity is named with a legal form in this document; the only other corporate names are those of the ombudsmen and the supervisor. Check run and negative: no divergence with the insurer slug.
  • TEXT-LAYER DEFECT, verified on a render and NOT repaired. The text layer inserts a space after nearly every full stop inside abbreviations, numbers and URLs: it yields "Foyer Global Health S. A. ", "B134. 471", "clause 2. 10", "i. e. ", "e. g. ", "https://www. globalhealth. insurance", "caa@caa. lu", "R. C. S. ". Three bands were rendered at 6x (page 3 insurer name, page 3 registration number, page 13 URL, page 6 clause reference) and the page prints "Foyer Global Health S.A.", "B134.471", "https://www.globalhealth.insurance" and "clause 2.10" - with no spaces. The structured fields therefore follow the printed form; key_quotes keep the text-layer form verbatim, because a quote must be an exact span of the text layer. Note that the defect is not uniform: the colophon on page 24 carries "Foyer Global Health S.A." with no inserted spaces.
  • Scope of this document: these are the General Conditions of Insurance alone. The document says so itself - "Special Conditions: The document specifying the exact scope of the insurance cover and the Benefits provided for under the Insurance Policy" (Glossary, page 23). As a result no benefit amount, no sub-limit, no deductible, co-payment or out-of-pocket maximum figure appears in this PDF, and there is no chapter of medical exclusions. The coverages recorded here are those the General Conditions actually state (overall limit, newborns, benefits subject to a Waiting Period, Service Centre); the benefit catalogue is in the Special Conditions.
  • The coverages "Psychiatric Treatment and psychotherapy", "Major dental services", "Pregnancy and childbirth", "Prophylactic mastectomy surgery" and "Infertility Medical Treatment" are described in this document only by the length of their Waiting Period (clause 3.1, page 10): no benefit description, no limit. They are recorded as coverages because the document applies a waiting period to them, and their is_optional is left null - the document does not say whether they are included by default or depend on the Plan.
  • Clause 3.1 is internally uneven and is transcribed as printed: the lead-in sentence lists "pregnancy and childbirth, including complications related to pregnancy and childbirth", while item (ii) below it says only "In the case of pregnancy and childbirth, the Waiting Period is 12 (twelve) months". Both readings are recorded; nothing has been completed from any other source.
  • edition_date left null: no edition date is printed. The only reference the document carries is the code "GH_JOY_OO_GT_25.11" at the top of page 24, recorded in reference. It is not converted into an edition date - the document does not say it is one.
  • target_audience left null: the document names no customer segment. The Glossary defines the Policyholder only as "The natural or legal person who enters into the Insurance Policy with the Insurer" (page 23) - a natural OR legal person, which the single-valued schema enumeration cannot carry. The document's own wording is recorded in target_audience_note.
  • Evacuation and repatriation appear in this document only in the negative, in clause 5.4 (page 17: no evacuation or repatriation from a sanctioned or a restricted jurisdiction). The cover itself is described nowhere here, so no coverage entry was created for it - only exclusions.
  • Territorial scope: the document defines no area of cover. Clause 5.2 (page 15) lists "area of coverage" among the changeable parameters and the Glossary defines the Country of Residence (page 21), but the geographical extent of the benefits is not stated. territorial_scope is therefore left null on every coverage except the Service Centre one, which refers explicitly to the Country of Residence.
  • Layout check, run and negative: this document is a single-column body text with no table of benefits, no plan matrix and no ticks (no vector or bitmap marker to interpret). The only reading-order defect observed is that chapter titles are emitted at the END of their page's text - "3. Benefits" at the end of page 10, "4. Payment and charging of premiums" at the end of page 13, "5. Miscellaneous provisions" at the end of page 15, "6. Glossary" at the end of page 21 - while they are printed at the head of the section. No consequence for the attachment of items; reported because a sequential reading would place each title after its content.
  • Text-layer verification, run: the text was re-extracted from the PDF (data/lu/pdfs/foyer-global-health/sante/journey-f6713fa0.pdf) page by page and all 24 pages come out character-for-character identical to those in the prompt. No zero-width characters, no soft hyphens, no private-use glyphs, no NFD sequences, no U+0007. The printed folio "Page N of 24" matches the PDF page number exactly on pages 2 to 23 (offset 0); pages 1 and 24 carry no folio.
  • The euro sign never appears in the text layer, but no figure is printed as an amount in this document: currencies are named by code only - "The euro (EUR) is the basic currency for all Plans" and the optional USD, GBP or CHF (page 14). There is therefore no missing unit to restore.
  • Typographical oddities of the document are kept as they stand, uncorrected: "the provision of a Benefits" (page 17), "lllnesses" spelled with three leading letter l's (page 15), "Special Conditions of Insurance" in the Terms and Conditions of Insurance definition (page 23).
  • Page 1 is a cover carrying only "Journey / General Conditions of Insurance"; page 2 is the table of contents. No contractual content was lost there.

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