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BUSINESS TRAVEL IPID EN

Résumé

Insurance Product Information Document (IPID) for BUSINESS TRAVEL, described on the page as private health insurance and, in the product-type box, as travel health insurance for journeys abroad. The header band names DKV Luxembourg S.A. as the company. The document lists fourteen benefits in five groups - outpatient treatments, dental treatments, inpatient treatments, ambulance services, and repatriation and return transport - and states that the maximum amounts specified in the General Terms and Conditions of insurance apply to them. Cover is valid for the journey abroad indicated on the insurance application, foreign countries being all territories outside the Grand Duchy of Luxembourg and the country of permanent residence, and the contract ends automatically on the termination date shown on the policy with no automatic renewal.

  • Assureur : lalux · Branche : Complémentaire santé · Type : IPID / Fiche d'information

Garanties

Outpatient treatments - Medical treatments - p. 1

Medical treatments

  • Portée : Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.
  • Condition : Outpatient treatments

Outpatient treatments - Drugs and dressings - p. 1

Drugs and dressings

  • Portée : Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.
  • Condition : Outpatient treatments

Outpatient treatments - Remedies such as physiotherapy, massages - p. 1

Remedies such as physiotherapy, massages

  • Portée : Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.
  • Condition : Outpatient treatments

Outpatient treatments - Medical aids - p. 1

Medical aids that become necessary for the first time during a stay abroad and as a consequence of an accident (excluding vision or hearing aids) - Portée : Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified. - Condition : Outpatient treatments

Dental treatments - Pain-relieving treatment - p. 1

Pain-relieving treatment

  • Portée : Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.
  • Condition : Dental treatments

Dental treatments - Simple dental filling - p. 1

Simple dental filling

  • Portée : Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.
  • Condition : Dental treatments

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

Repair of existing tooth replacement in order to re-establish ability to chew

  • Portée : Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.
  • Condition : Dental treatments

Dental treatments - Provisional prostheses - p. 1

Provisional prostheses

  • Portée : Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.
  • Condition : Dental treatments

Inpatient treatments - Medical treatment (incl. surgery) - p. 1

Medical treatment (incl. surgery)

  • Portée : Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.
  • Condition : Inpatient treatments

Inpatient treatments - Accommodation costs - p. 1

Accommodation costs (incl. additional costs for individual room) - Portée : Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified. - Condition : Inpatient treatments

Ambulance services - Medically necessary transport to the nearest hospital or doctor - p. 1

Medical necessary transport using approved rescue services to the nearest hospital or doctor - Portée : Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified. - Condition : Ambulance services

Ambulance services - Search and rescue costs - p. 1

Search and rescue costs

  • Portée : Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.
  • Condition : Ambulance services

Repatriation and return transport - Return transport of the insured person - p. 1

Organization and assumption of the costs for a medically reasonable and justifiable return transport of the insured person

  • Portée : Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.
  • Condition : Repatriation and return transport

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

Organization and assumption of costs for a transfer in the event of the death of the insured person

  • Portée : Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. · Limite : The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.
  • Condition : Repatriation and return transport

Exclusions

Exclusion Description S'applique à Page
Treatments abroad that were a reason for the journey "What is not insured? ": Treatments abroad if the treatments were the only or at least one of the reasons for your journey all p. 1
Existing illnesses whose treatment abroad was known to be necessary before departure "What is not insured? ": Treatments of existing illnesses where the necessity of the treatment abroad was known before the journey started (based on medical diagnosis) all p. 1
Contraceptives "What is not insured? ": Contraceptives all p. 1
Preventive medicine, vaccination and serum "What is not insured? ": Preventive medicine, vaccination and serum all p. 1
Diseases based on intention or addiction "What is not insured? ": Costs for diseases based on intention or addiction all p. 1
Suicide or attempted suicide "What is not insured? ": Costs in connection with suicide or attempted suicide all p. 1
Mental, psychogenic and psychosomatic illnesses "What is not insured? ": Treatments for mental, psychogenic and psychosomatic illnesses all p. 1
Pregnancy known prior to the beginning of the journey "What is not insured? ": Costs related to an insured person’s pregnancy known prior to the beginning of the journey all p. 1
Dental prostheses and dental crowns "What is not insured? ": Dental prostheses and dental crowns Dental treatments p. 1
Cosmetic treatments "What is not insured? ": Cosmetic treatments all p. 1
Insured events occurring before the start of cover "What is not insured? ": Insured events that occurred prior to the beginning of insurance cover all p. 1
Expenses occurring after cover has ended "What is not insured? ": Expenses that occur after insurance coverage has ended all p. 1
Cover is defined by the General Terms and Conditions of Insurance "Are there any restrictions on cover? ": Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance. all p. 1
Reimbursement limited to expenses incurred "Are there any restrictions on cover? ": The amount of reimbursement is limited on expenses incurred. all p. 1
Territories under a travel warning "Are there any restrictions on cover? ": Further limitations such as: No insurance cover applies to the territories for which the Ministry of Foreign Affairs of Grand-Duchy of Luxemburg (“Ministère des affaires étrangères”) or a relevant Ministry or competent authority in the bordering countries of Luxemburg has issued a travel warning for this territory. all p. 1

Obligations de l'assuré

  • In order to check our obligation to pay benefits, we may need information from you or the insured person. You or the insured person are obliged to provide us with the requested information. p. 2
  • The insured person is obliged at our request to have himself/herself examined by a medical practitioner commissioned by us. p. 2
  • You are obliged to pay all due premiums including taxes within due time. p. 2
  • Please read carefully all of the documents in order to be fully informed on your individual insurance cover. p. 1

Durée & résiliation

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

Prime

  • Premium payment has to be effected immediately.

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

  • You are obliged to pay all due premiums including taxes within due time.

Conditions particulières

  • With this information sheet you receive a compact overview regarding the insurance according to the above-mentioned tariff and the benefits included. This information sheet is not complete and the examples given below are only an extract of the total benefit catalogue. The entire content is listed in the following documents: Your insurance application and our offer / The insurance policy and any further stipulated agreement / The General terms and conditions of insurance GCI p. 1
  • Travel health insurance for journeys abroad p. 1
  • The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified. p. 1
  • Your insurance cover is valid for the journey abroad indicated on your insurance application. Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. p. 2

Lacunes d'extraction

  • CARRIER DIVERGENCE BETWEEN THE DOCUMENT AND THE TASK METADATA, and here the document DOES name a carrier. The header band prints "DKV Luxembourg S.A. - Product: BUSINESS TRAVEL " - a named legal entity with its legal form - verified on a 4x render of the band (the header block is printed at the TOP of page 1 at y 35-113 but is emitted LAST in the flat text, so a text-order reader meets it at the end). insurer_name therefore records "DKV Luxembourg S.A." and not the task-metadata value "lalux". insurer_slug is copied through as "lalux" unchanged, because it is the dataset key supplied by the task. The logo in the top-right corner of the band carries the strapline "membre du Groupe lalux" beneath the DKV Luxembourg wordmark, which is what connects this document to the lalux corpus; that strapline is part of the logo IMAGE and does not exist in the text layer, so it is reported here and deliberately not quoted in key_quotes - it could not be grounded. Nothing else in the document mentions lalux: the body refers to the carrier only as "we" / "us" / "our".
  • Branch: the task metadata gives sante and it has been copied through unchanged. The document supports it in its header ("Private Health Insurance ") but its product-type box says "Travel health insurance for journeys abroad", and every benefit and every exclusion is conditioned on a journey abroad, which would also fit the voyage slug. The overlap is flagged rather than resolved.
  • edition_date and reference are null: no edition date, version code, year, tariff code or printed footer appears on either page. The introductory note refers to "the above-mentioned tariff" but no tariff designation is printed anywhere above it or elsewhere in the document - that dangling reference is itself recorded here rather than resolved. Nothing was promoted from the file name or from PDF file metadata.
  • Bullet marks are bitmap images, not text and not vector drawings. page.get_text("text") returns a bare tab plus space where each mark sits. Membership was recovered from the image blocks of get_text("dict"), placed by coordinate, and settled on a render. The arithmetic closes exactly on page 1: 29 image blocks = 14 green ticks (120x133 px, x0 29.8) in "What is insured? " + 12 red crosses (120x121 px, x0 307.4, y 323.5 to 551.6) in "What is not insured? " + 3 orange exclamation marks (40x148 px, x0 309.4, y 634.4, 660.8 and 687.2) in "Are there any restrictions on cover? ". Page 2 carries 2 further green ticks (x0 65.1) marking the two items of "Where am I covered? ". Each of the 29 marks is aligned on the baseline of the item it belongs to; no misalignment was observed. The 14 ticks map one-to-one onto the 14 recorded coverages. These counts are stated here and not in key_quotes, because image marks are not text and cannot be grounded.
  • Two-column reversal check run and NEGATIVE. Page 1 is a two-column layout (left column x0 22.7-57.1, right column x0 307.4-334.7). The block order returned by PyMuPDF emits the whole left column before the whole right column and top-to-bottom within each, so the covered benefits, the not-insured items and the restrictions attach to their correct boxes; nothing is crossed. The three polarities are additionally separated by three visually distinct mark types at distinct abscissas. The only flow-order artifact is the full-width header band already described, which carries the carrier name and no coverage or exclusion, so no value is mis-attached.
  • The "Are there any restrictions on cover? " box (3 items) has been recorded in exclusions alongside the 12 items of the "What is not insured? " box, because the schema has no separate restrictions array. Each description names the box it came from so the two can be told apart downstream. Note that the third restriction is printed as a lead-in ("Further limitations such as: ") followed by a single indented sub-item about travel warnings; both parts are kept together in one exclusion, and the lead-in's "such as" wording shows the list is open-ended.
  • NO AMOUNT, sum insured, sub-limit, deductible, waiting period or percentage is printed anywhere in this document. The only quantified statement is the referral "The maximum amounts specified in the General Terms and Conditions of insurance apply to the benefits specified.", which is recorded verbatim as the limits of every one of the 14 coverages, since the document attaches it to the whole benefit list rather than to any single benefit. deductibles is null, waiting_periods is empty and prescription_period is null: none is mentioned. There is therefore no currency figure in the document at all and no missing-glyph question to settle.
  • The document declares itself incomplete in two places, and neither statement has been treated as a coverage or an exclusion: "This information sheet is not complete and the examples given below are only an extract of the total benefit catalogue." and "Insurance cover is defined by the type and extent of cover described in the General Terms and Conditions of Insurance." The full benefit catalogue is stated to live in the insurance application and offer, the policy and any further stipulated agreement, and the General terms and conditions of insurance GCI. None of those documents was consulted and nothing has been imported from them.
  • claims_procedure is empty: the document contains no claims section and no notification deadline. The three obligations on page 2 concern providing information, submitting to a medical examination and paying premiums; the information and examination duties would apply at claim time but the document does not say so, so no timing has been inferred and timing is null on all four obligations.
  • Printed typography preserved verbatim, not corrected: the country is spelled "Luxemburg" twice in the travel-warning restriction on page 1 and "Luxembourg" on page 2 and in the carrier name; "Grand-Duchy of Luxemburg" on page 1 against "Grand Duchy of Luxembourg" on page 2; "Medical necessary transport using approved rescue services to the nearest hospital or doctor" prints "Medical necessary" for "medically necessary"; "The amount of reimbursement is limited on expenses incurred. " prints "limited on" for "limited to"; and the header prints doubled spaces around the dash in "DKV Luxembourg S.A. - Product". None has been repaired, so the quotes remain exact spans of the text layer.
  • One dental benefit is split across a line break with no hyphen ("in order to" / "re-establish ability to chew"); the quote and the coverage description carry the real line break from the text layer rather than a repaired single-line version, so they remain exact spans. The document uses curly quotation marks around "Ministère des affaires étrangères" and one curly apostrophe in "person's pregnancy". Every key_quotes entry was sliced programmatically out of the PyMuPDF text layer rather than retyped. No zero-width spaces, no soft hyphens, no Private-Use-Area glyphs and no U+0007 control characters were found in either page.
  • definitions is empty: the document contains no glossary. The sentence "Considered as foreign countries are all territories outside the Grand Duchy of Luxembourg and the country in which you have your permanent residence. " is the only definition of fact; it is kept in territorial_scope and quoted in key_quotes.
  • target_audience is null: the product is named BUSINESS TRAVEL and the header says "Private Health Insurance", but the document never states who may buy it - not whether it is sold to entreprises for their travelling staff or to particuliers. The product name was deliberately not converted into an audience category; the document's own wording is kept in target_audience_note.
  • is_optional is null on all 14 coverages: the document presents a single benefit list with no formulas, no tiers and no optional add-ons, and never says whether any benefit can be taken separately.
  • This product is published by the same insurer in several language versions. This document was extracted from its own English text alone; no wording, carrier, date or limit has been taken from a French or German sibling to complete anything here.
  • Porteur de risque: ce document nomme « DKV Luxembourg S.A. », qui n'est pas l'entite dont la bibliotheque publique l'a fourni (lalux). Le champ insurer_name porte le proprietaire de la bibliotheque, pour le regroupement des pages; la lecture du document est celle-ci. A verifier contre le registre du superviseur avant d'en tirer qui porte le risque.

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