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Service easyPROTECT Discover IPID EN

Résumé

Insurance product information document (IPID) for the easyPROTECT - Discover service distributed under the LALUX Assurances brand. The service is a package of guarantees for insured persons whose main residence is in the Grand Duchy of Luxembourg, aged between 15 and 27 years and preparing to begin their professional life (students, apprentices and similar categories). The basic package comprises civil liability for private and student life excluding professional activities — with a "Student accommodation" extension for tenants of student housing located in Europe — and legal protection. Mobile IT coverage, Assistance (tuition and apprenticeship fees, return costs, recovery of lost computer data) and Medical emergency (outpatient treatment, dental care, hospitalisation abroad and repatriation) are available as options for an additional premium, each subject to a stated monetary cap.

Définitions

Terme Définition Page
Insured persons Students or similar categories (with regard to Civil Liability cover, the related Legal Protection and “Student accommodation” extension, Mobile IT, Assistance and Medical Emergency). The "What type of insurance is it ?" section adds that they are persons whose main residence is in the Grand Duchy of Luxembourg, aged between 15-27 years and preparing to begin their professional life (students, apprentices and similar categories). p. 1

Garanties

Basic package — Civil liability - p. 1

Civil liability: e.g. damage caused during private and student life excluding professional activities, damage caused as a keeper or guardian of domestic animals or damage caused by water resulting from burst water pipes. - Optionnelle : non · Portée : worldwide - Condition : Cover is for private and student life, excluding professional activities.

Basic package — Civil liability, “Student accommodation” extension - p. 1

“Student accommodation” extension: coverage granted to the policyholder who, as a tenant, occupies student housing located in Europe, e.g. for material damage caused to the rented building as a result of fire, water damage or glass breakage or material damage to the rented furniture or furniture belonging to the lessee and located in the rented housing (e.g. theft). - Optionnelle : non · Portée : student accommodation located in Europe · Limite : Material damage to furniture resulting from theft limited to EUR 3,000. - Sous-limite : Material damage to furniture resulting from theft: limited to EUR 3,000 - Condition : Granted to the policyholder who, as a tenant, occupies student housing located in Europe.

Legal protection: e.g. costs and fees for all procedures, investigations, expert opinions and proceedings following the occurrence of damage causing either death or material/bodily damage (criminal proceedings brought against the insured person or actions to be brought against any person liable for the damage suffered by the insured person). - Optionnelle : non · Portée : worldwide (Legal protection relating to civil liability) - Condition : Free choice of lawyer in Luxembourg. For abroad, the prior agreement of the insurance company is required.

Option — Mobile IT coverage - p. 1

Mobile IT coverage: breakage and theft of computer and non-portable audiovisual equipment inside the home; breakage and theft of computer/portable audio-visual/ portable telephone equipment worldwide. - Optionnelle : oui · Portée : Inside the home for computer and non-portable audiovisual equipment; worldwide for computer, portable audio-visual and portable telephone equipment. · Limite : For breakage and theft, the intervention is limited to EUR 284 (index 100) per claim and per year. - Sous-limite : Breakage and theft: EUR 284 (index 100) per claim and per year - Condition : Available as an option and for an additional premium.

Option — Assistance - p. 1

Assistance: reimbursement of tuition and apprenticeship fees (in the event of interruption of studies due to illness, accident or death of the insured person or their parents), reimbursement of return costs, and recovery of lost computer data (stored on a desktop or laptop computer). - Optionnelle : oui · Portée : worldwide · Limite : Reimbursement of tuition and apprenticeship fees limited to EUR 2,000 per year and per claim; maximum return costs of EUR 500 per claim per year. - Sous-limite : Tuition and apprenticeship fees: limited to EUR 2,000 per year and per claim - Sous-limite : Return costs: maximum EUR 500 per claim per year - Condition : Available as an option and for an additional premium. - Condition : Reimbursement of tuition and apprenticeship fees applies in the event of interruption of studies due to illness, accident or death of the insured person or their parents. - Condition : Recovery of lost computer data applies to data stored on a desktop or laptop computer.

Option — Medical emergency - p. 1

Medical emergency: In the event of accident, illness or death, the Company guarantees, within the limits provided for in the General Terms and Conditions, outpatient treatment, dental care and hospitalisation abroad, as well as repatriation (if medically necessary). - Optionnelle : oui · Portée : European Union, with the exception of the Grand Duchy of Luxembourg and the United Kingdom · Limite : Within the limits provided for in the General Terms and Conditions; for dental treatment, temporary prostheses are limited to EUR 250 per prosthesis. - Sous-limite : Dental treatment, temporary prostheses: limited to EUR 250 per prosthesis - Condition : Available as an option and for an additional premium. - Condition : Repatriation only if medically necessary.

Exclusions

Exclusion Description S'applique à Page
Civil liability — professional activities The civil liability cover is for damage caused during private and student life excluding professional activities. Basic package — Civil liability p. 1
Mobile IT coverage — wear and tear, progressive deterioration, purely aesthetic damage Damage resulting from wear and tear or progressive deterioration or purely aesthetic damage is excluded. Option — Mobile IT coverage p. 1
Mobile IT coverage — losses related to viruses Losses related to viruses are excluded. Option — Mobile IT coverage p. 1
Mobile IT coverage — forgotten, misplaced or lost property Forgotten, misplaced or lost property is excluded. Option — Mobile IT coverage p. 1
Assistance / Recovery of lost computer data — deficient or unauthorised software Use of deficient or unauthorised software is excluded. Option — Assistance p. 1
Assistance / Recovery of lost computer data — data on mobile phones, smartphones or tablets Loss of computer data stored on mobile phones, smartphones or tablets is excluded. Option — Assistance p. 1
Medical emergency — costs of contraceptive methods Costs of contraceptive methods are excluded. Option — Medical emergency p. 1
Medical emergency — costs of preventive medicine and vaccination Costs of preventive medicine and vaccination are excluded. Option — Medical emergency p. 1
Medical emergency — suicide or attempted suicide Suicide or attempted suicide is excluded. Option — Medical emergency p. 1
Medical emergency — Grand Duchy of Luxembourg and United Kingdom The territorial scope of the Medical emergency cover is the European Union, with the exception of the Grand Duchy of Luxembourg and the United Kingdom. Option — Medical emergency p. 2

Obligations de l'assuré

  • Provide as complete and accurate a description as possible of the risk to be insured, without misrepresentation or omission. (When subscribing) p. 2
  • Report to the company any new circumstances that may increase the risk or create new ones. (During the contractual period) p. 2
  • Notify the company of any change in the data included in the contract, in particular in the event of a change of address or a change of bank account. (During the contractual period) p. 2
  • Pay your insurance premiums within the time limits stipulated in your contract. (During the contractual period · In case of non-payment, the company can suspend the warranties or cancel the contract.) p. 2
  • Declare all claims within eight days of their occurrence and obtain the company's consent before any action involving its intervention. (Within eight days of the occurrence of the claim) p. 2
  • Provide as soon as possible all information enabling the company to determine the circumstances and assess the extent of the damage. (As soon as possible after the claim) p. 2
  • Legal protection: Free choice of lawyer in Luxembourg. For abroad, the prior agreement of the insurance company is required. (Whenever a lawyer is to be appointed) p. 2

Procédure de sinistre

  1. Declare all claims within eight days of their occurrence and obtain the company's consent before any action involving its intervention. (délai : Within eight days of their occurrence) p. 2
  2. Provide as soon as possible all information enabling the company to determine the circumstances and assess the extent of the damage. (délai : As soon as possible) p. 2
  3. Free choice of lawyer in Luxembourg. For abroad, the prior agreement of the insurance company is required. p. 2

Durée & résiliation

  • Durée : The start (effective date) and expiry of the contract are indicated in the Special Conditions. The contract is extended from year to year unless terminated by the customer or the company (tacit renewal). The insurance covers damage occurring during the term of the contract, even if the claim is made after the end of the contract; in the event of claims made after the end of the contract, the parties agree that the guarantee is limited to claims made within three years of the occurrence of the damage.
  • Reconduction tacite : oui
  • Préavis : Customer: registered letter 30 days before the annual expiry date of the contract. Company: notification 60 days before the annual expiry date of the contract.
  • Modalité : Registered letter
  • Droit spécial : The customer may cancel within one month following the cancellation of a guarantee or other contract by the company after a claim.
  • Droit spécial : The customer may cancel within 60 days after a rate increase notified by the company.
  • Droit spécial : The company may cancel the contract after a claim has been submitted, in the event of fraud, non-payment, or following notification 60 days before the annual expiry date of the contract.

Prescription

The insurance covers damage occurring during the term of the contract, even if the claim is made after the end of the contract. In the event of claims made after the end of the contract, the parties agree that the guarantee is limited to claims made within three years of the occurrence of the damage. [Printed under "When does the cover start and end ?"; the document does not use the word prescription and states no other limitation period.] p. 2

Prime

  • Indexation : The Mobile IT coverage limit is stated as "EUR 284 (index 100)". No indexation formula, reference index or revision mechanism is described.
  • The amount indicated on the annual due date notice is payable on the first day of the month of the due date.
  • Monthly payments may be made by direct debit, without additional costs.
  • Mobile IT coverage, Assistance and Medical emergency are available "As an option and for an additional premium"; the additional premium is not quantified.
  • In case of non-payment, the company can suspend the warranties or cancel the contract.
  • The Mobile IT limit is expressed as "EUR 284 (index 100)", the only indexed figure in the document; the index and its mechanics are not otherwise described.
  • No premium amount is stated in the document.

Conditions particulières

  • This document is not tailored to your specific needs and the information and obligations set out herein are not exhaustive. For full information on the rights and obligations of the insurance company and policyholders, please consult the general and/or special conditions relating to the insurance product chosen. p. 1
  • The exclusions listed in the document apply "In addition to the restrictions provided elsewhere in the general conditions of the easyPROTECT product". p. 1
  • "Non-exhaustive list" is printed at the foot of the "What is not insured ?" box and at the foot of the "Are there any restrictions on cover ?" box. p. 1
  • The insurance covers damage occurring during the term of the contract, even if the claim is made after the end of the contract. In the event of claims made after the end of the contract, the parties agree that the guarantee is limited to claims made within three years of the occurrence of the damage. p. 2

Lacunes d'extraction

  • Risk carrier undeterminable. The document prints only the brand — "LALUX Assurances - Product : easyPROTECT - Discover" in the header band and the lalux logo — and refers to the insurer as "the Company" and "the insurance company". No legal form, no R.C.S. number, no registered address appears on either page; verified on a 4x render of both pages. lalux operates two authorised entities (LA LUXEMBOURGEOISE S.A., non-life, B 31035 and LA LUXEMBOURGEOISE-VIE S.A., life, B 31036) and naming neither does not allow one to be chosen. insurer_name carries the slug supplied in the task metadata and is not a reading of the document.
  • Branch divergence between the task metadata and the document, recorded rather than resolved. The metadata supplied multirisque-professionnelle and has been copied through as instructed, but the document describes a package for students and apprentices aged 15-27 whose civil liability cover is expressly for "damage caused during private and student life excluding professional activities". Nothing in the document is professional multi-risk cover. A reviewer may wish to retag this document; the allowed slugs for Luxembourg include rc-familiale, protection-juridique and autres.
  • edition_date is null: no edition date, version code, year or footer appears on either page. Verified on renders of both pages, whose lower margins are blank. Nothing has been promoted from the file name.
  • is_optional is stated by this document rather than inferred, which is unusual in this library. The heading "Basic package:" governs Civil liability (with its “Student accommodation” extension) and Legal protection, recorded as is_optional: false; the heading "As an option and for an additional premium:" governs Mobile IT coverage, Assistance and Medical emergency, recorded as is_optional: true. Both headings are confirmed on the render of page 1.
  • The “Student accommodation” extension is printed as an indented sub-item of the Civil liability bullet, without its own tick marker, and both the restrictions box and the territorial scope section label it "Civil liability - Extension “Student accommodation”". It has been recorded as a coverage in its own right so that its EUR 3,000 theft sub-limit and its European scope are not lost, while its dependence on the Civil liability cover is stated in its name and description.
  • The "Are there any restrictions on cover ?" section of this document contains genuine restrictions (four monetary caps), which have been recorded in the limits and sub_limits fields of the coverages they name rather than duplicated as exclusions. The ten entries in exclusions come from the "What is not insured ?" box (eight), from the civil liability description's own carve-out for professional activities (one) and from the territorial carve-out of the Grand Duchy of Luxembourg and the United Kingdom under Medical emergency (one).
  • The only indexed figure is the Mobile IT limit, printed "EUR 284 (index 100)". The document does not identify the index, its base date or its revision mechanism, so the current cash value of that limit cannot be derived from this document; the figure is recorded verbatim.
  • No deductible, no waiting period and no franchise is mentioned anywhere; deductibles is null and waiting_periods is empty. The document carries a single contractual definition (the insured persons) and refers all other terms to the general and/or special conditions of the easyPROTECT product.
  • prescription_period has been filled from the "When does the cover start and end ?" section, which states that claims made after the end of the contract are covered only within three years of the occurrence of the damage. The document does not use the word prescription and states no other limitation period; the divergence between the section heading and the field is noted here rather than resolved.
  • Minor typographic inconsistency, not repaired: eight of the nine section headings carry a thin space (U+2009) before their question mark or colon, but "What are my obligations?" does not, and "Disclaimer:" does not either.
  • The prompt text was not truncated. It was checked character for character against a local re-extraction of the source PDF (data/lu/pdfs/lalux/multirisque-professionnelle/6893kb-23087ad2.pdf, sha256 65bcc07a3bc8…) using the same page.get_text("text") call as the harness: both pages match exactly.
  • Character traps respected in the quotes: nine thin spaces (U+2009) before "?" and ":" in the headings, curly double quotes (U+201C/U+201D) around “Student accommodation”, one U+2019 apostrophe and U+2022 bullets isolated on their own lines. Structured fields carry the rendered form, quotes carry the text layer verbatim. All quotes were sliced programmatically as exact spans of the cited page and none crosses a [page N] marker.
  • Branche corrigee en amont le 2026-08-03: produit etudiants et apprentis de 15 a 27 ans excluant les activites professionnelles, dont le socle est une RC privee.

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