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easyPROTECT Personal Services IPID EN

Résumé

Insurance Product Information Document (IPID) for the "Personal Services" component of the easyPROTECT contract of LALUX Assurances. The document states that "The subscription of an easyPROTECT contract entitles you to certain exclusive services, in particular the possibility of benefiting, against payment of the corresponding premiums, from the guarantees described below." Four guarantee blocks are described: annual travel insurance (cancellation and interruption costs), annual assistance (medical care abroad, repatriation, early return, search and rescue), home assistance (24/7 emergency trades) and internet protection (loss of computer data and online purchases). The contract is annual with tacit renewal.

Définitions

Terme Définition Page
foreign countries (Annual Assistance) All countries outside the territory of the Grand Duchy of Luxembourg and the country where the insured person has their habitual residence are considered foreign countries. p. 2

Garanties

Annual travel insurance — cancellation or interruption of a trip (sickness, bodily injury or death) - p. 1

Reimbursement of the costs of cancelling or interrupting a trip or a booking for a trip claimed by the organiser of the trip/stay, e.g. following the occurrence of: Sickness, bodily injury or death of the insured person, their his spouse, the person with whom the insured person lives in a legal partnership or a member of their family who usually lives in their home - Portée : Worldwide - Condition : costs claimed by the organiser of the trip/stay

Annual travel insurance — cancellation or interruption of a trip (economic lay-off of the lessee) - p. 1

Reimbursement of the costs of cancelling or interrupting a trip or a booking for a trip claimed by the organiser of the trip/stay, e.g. following the occurrence of: Economic lay-off of the lessee after the coverage has entered into force and after the trip has been booked - Portée : Worldwide - Condition : after the coverage has entered into force and after the trip has been booked - Condition : costs claimed by the organiser of the trip/stay

Annual assistance — Insured event: medical care following an illness or accident - p. 1

Insured event: Medical care required by an insured person following an illness or accident. The death of an insured person is considered an insured event. - Portée : The coverage is valid for travel abroad in the event of illness, accident and other events listed in the General Terms and Conditions of Insurance. All countries outside the territory of the Grand Duchy of Luxembourg and the country where the insured person has their habitual residence are considered foreign countries. - Condition : The insurance is valid for up to 6 weeks for all trips abroad, including one-day trips, made by the insured persons. - Condition : If the treatment exceeds what is medically necessary, the Company may reduce the benefits to an appropriate amount - Condition : If there are rights to statutory health insurance, accident insurance or pension insurance benefits, sickness insurance or compulsory accident insurance, the Company is only obliged to reimburse expenses in excess of the statutory benefits.

Annual assistance — Guaranteed services: repatriation in the event of illness or death - p. 1

Guaranteed services: Repatriation in the event of illness (if medically necessary) or death, up to a maximum of EUR 50,000 per insured person and per calendar year - Portée : The coverage is valid for travel abroad in the event of illness, accident and other events listed in the General Terms and Conditions of Insurance. All countries outside the territory of the Grand Duchy of Luxembourg and the country where the insured person has their habitual residence are considered foreign countries. · Limite : up to a maximum of EUR 50,000 per insured person and per calendar year - Condition : if medically necessary (repatriation in the event of illness) - Condition : The insurance is valid for up to 6 weeks for all trips abroad, including one-day trips, made by the insured persons.

Annual assistance — Guaranteed services: early return - p. 1

Guaranteed services: Early return - Portée : The coverage is valid for travel abroad in the event of illness, accident and other events listed in the General Terms and Conditions of Insurance. All countries outside the territory of the Grand Duchy of Luxembourg and the country where the insured person has their habitual residence are considered foreign countries. - Condition : The insurance is valid for up to 6 weeks for all trips abroad, including one-day trips, made by the insured persons.

Annual assistance — Guaranteed services: search and rescue costs - p. 1

Guaranteed services: Search and rescue costs (max. EUR 5,000) - Portée : The coverage is valid for travel abroad in the event of illness, accident and other events listed in the General Terms and Conditions of Insurance. All countries outside the territory of the Grand Duchy of Luxembourg and the country where the insured person has their habitual residence are considered foreign countries. · Limite : max. EUR 5,000 - Condition : The insurance is valid for up to 6 weeks for all trips abroad, including one-day trips, made by the insured persons.

Home assistance — 24/7 assistance services - p. 1

24/7 assistance services, such as the intervention of a locksmith, sanitary installer, plumber, heating engineer or electrician - Portée : To the address of the risk indicated in the special conditions of the contract, located in the Grand Duchy of Luxembourg. Extensions of cover are provided in the event of relocation, temporary moving of furniture, student accommodation or holiday residence. · Limite : Maximum three interventions per year - Sous-limite : Guarding the damaged dwelling to protect against theft of property left behind. The Company organises and covers the costs of a security guard to guard the premises for a maximum of 72 hours. - Condition : Maximum three interventions per year

Internet protection - p. 1

The Company guarantees the insured person against computer risks or risks related to the use of the Internet in the context of their private life (guarantee against the loss of computer data, as well as against claims relating to the purchase of goods and/or services from an online retailer) - Limite : Goods purchased from an e-merchant must be worth between EUR 150 and EUR 5,000 including VAT (including shipping costs) - Condition : risks related to the use of the Internet in the context of their private life - Condition : Goods purchased from an e-merchant must be worth between EUR 150 and EUR 5,000 including VAT (including shipping costs)

Exclusions

Exclusion Description S'applique à Page
Annual travel insurance — chronic or pre-existing illness The consequences of the insured person's chronic or pre-existing illness, unless the attending physician certifies that the insured person was in a condition to travel when the trip was booked, but that on the date of departure, the insured person was no longer able to complete the trip due to a condition requiring medical treatment Annual travel insurance p. 1
Annual assistance — medical care in Luxembourg or in the country of residence Medical care in Luxembourg or medical care in the country of residence Annual assistance p. 1
Annual assistance — costs of contraceptive methods Costs of contraceptive methods Annual assistance p. 1
Annual assistance — costs of preventive medicine, vaccines or vaccinations Costs of preventive medicine, vaccines or vaccinations Annual assistance p. 1
Home Assistance — blocked drain pipes and maintenance defects Drain pipes already blocked before the contract takes effect, drain pipes blocked outside the home, overhaul of the installation, damage resulting from absences and maintenance defects as well as drain pipes blocked due to the inadvertence of the insured person Home assistance p. 1
Annual assistance — treatment exceeding what is medically necessary If the treatment exceeds what is medically necessary, the Company may reduce the benefits to an appropriate amount. Item printed in the "Are there any restrictions on cover?" box. Annual assistance p. 1
Annual assistance — statutory benefits paid first If there are rights to statutory health insurance, accident insurance or pension insurance benefits, sickness insurance or compulsory accident insurance, the Company is only obliged to reimburse expenses in excess of the statutory benefits. Item printed in the "Are there any restrictions on cover?" box. Annual assistance p. 1
Home Assistance — maximum three interventions per year Maximum three interventions per year. Item printed in the "Are there any restrictions on cover?" box. Home assistance p. 1
Home Assistance — guarding of the damaged dwelling limited to 72 hours Guarding the damaged dwelling to protect against theft of property left behind. The Company organises and covers the costs of a security guard to guard the premises for a maximum of 72 hours. Item printed in the "Are there any restrictions on cover?" box. Home assistance p. 1
Internet protection — value range of goods purchased from an e-merchant Goods purchased from an e-merchant must be worth between EUR 150 and EUR 5,000 including VAT (including shipping costs). Item printed in the "Are there any restrictions on cover?" box. Internet protection p. 1

Obligations de l'assuré

  • When subscribing: Provide as complete and accurate a description as possible of the risk to be insured, without misrepresentation or omission (When subscribing) p. 2
  • During the contractual period: Report to the company any new circumstances that may increase the risk or create new ones (During the contractual period) p. 2
  • During the contractual period: 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
  • During the contractual period: Pay your insurance premiums within the time limits stipulated in your contract. In case of non-payment, the company can suspend the warranties or cancel the contract (During the contractual period · In case of non-payment, the company can suspend the warranties or cancel the contract) p. 2
  • In the event of a claim: Declare all claims within eight days of their occurrence and obtain the company's consent before any action involving its intervention (In the event of a claim) p. 2
  • In the event of a claim: Provide as soon as possible all information enabling the company to determine the circumstances and assess the extent of the damage. (In the event of a claim) 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

Durée & résiliation

  • Durée : The start (effective date) and expiry of the contract are indicated in the Special Conditions
  • Reconduction tacite : oui
  • Préavis : 30 days before the annual expiry date of the contract (cancellation by the customer); 60 days before the annual expiry date of the contract (notification by the company)
  • Modalité : Cancellation must be requested by registered letter 30 days before the annual expiry date of the contract, within one month following the cancellation of a guarantee or other contract by the company after a claim or within 60 days after a rate increase notified by the company.
  • Droit spécial : Cancellation by the customer within one month following the cancellation of a guarantee or other contract by the company after a claim
  • Droit spécial : Cancellation by the customer 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.
  • Droit spécial : Student housing: Provided that an insurance certificate has been issued to the insured person, coverage is granted for the period indicated on the certificate

Prime

  • 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
  • The subscription of an easyPROTECT contract entitles you to certain exclusive services, in particular the possibility of benefiting, against payment of the corresponding premiums, from the guarantees described below.
  • Pay your insurance premiums within the time limits stipulated in your contract. In case of non-payment, the company can suspend the warranties or cancel the contract

Conditions particulières

  • Student housing: Provided that an insurance certificate has been issued to the insured person, coverage is granted for the period indicated on the certificate p. 2
  • Extensions of cover are provided in the event of relocation, temporary moving of furniture, student accommodation or holiday residence. p. 2

Lacunes d'extraction

  • BRANCH DIVERGENCE — the task metadata gives branch: multirisque-professionnelle and the published filename reads ipid_services-a-la-personne_lalux_easyprotect_en.pdf, but the document itself describes private-lines cover only: internet protection is granted against risks "in the context of their private life", home assistance applies to "the address of the risk indicated in the special conditions of the contract, located in the Grand Duchy of Luxembourg" with extensions for "relocation, temporary moving of furniture, student accommodation or holiday residence", and travel cancellation covers the insured person, spouse, legal partner and family members living in their home. Nothing in the document mentions a professional activity, business premises or a trade sector. The French phrase "services à la personne" in the filename can also denote a professional sector, which is the likely origin of the metadata. branch has therefore been set to autres, the document being a bundle of four heterogeneous guarantees (annual travel insurance, annual assistance, home assistance, internet protection) that fits no single branch slug; a reviewer preferring the dominant guarantee would set voyage. The document itself never names a branch.
  • target_audience is null: the document names no customer segment. Its own wording about the private sphere is kept verbatim in target_audience_note rather than converted into a category.
  • Carrier: the document prints the brand "LALUX Assurances" in the title banner ("LALUX Assurances - Product : easyPROTECT - Personal Services") and refers throughout to "the Company" / "the company" without ever naming a legal entity. No legal form, no RCS number, no address and no authorisation appear on the document, so it is not possible to tell from this document alone which of the group's authorised entities carries the risk. insurer_name reproduces the brand as printed.
  • No edition date is printed anywhere on the document: edition_date is null. The PDF metadata carries a creation date of 2018-10-08 and the InDesign file name "IPID_Services à la personne_LALUX_easyPROTECT_EN.indd"; these are metadata, not printed statements, and were not used.
  • Insurer's own wording kept verbatim, not corrected: "Sickness, bodily injury or death of the insured person, their his spouse" ("their his"), and "the company can suspend the warranties" ("warranties" for guarantees). Both were checked on a render of the page and are genuinely printed that way.
  • Product name: the document prints two forms — the title banner reads "Personal Services" and the blue product line reads "LALUX Assurances - Product : easyPROTECT - Personal Services". The fuller printed form was taken as product_name, with product_family = easyPROTECT and variant = Personal Services. "easyPROTECT" is a commercial range, not a branch, and was not used to classify the document.
  • The four guarantee blocks are printed as headings without ticks ("Annual travel insurance", "Annual assistance", "Insured event", "Guaranteed services", "Home assistance", "Internet protection"); only the individual items below them carry a green tick. coverages follows the ticked items, each description carrying its block heading so the structure is not lost.
  • The three items in the "Are there any restrictions on cover?" box that carry figures (maximum three interventions per year, guarding for a maximum of 72 hours, goods worth between EUR 150 and EUR 5,000) are restrictions rather than exclusions in the strict sense. They are kept in exclusions where the document prints them, and the same figures are additionally reflected in the limits / sub_limits / conditions of the guarantees they restrict; these are not additional distinct items.
  • Both the "What is not insured ?" and the "Are there any restrictions on cover?" boxes carry the printed statement "Non-exhaustive list".
  • No deductible/franchise, no waiting period and no prescription period appear anywhere in the document: deductibles, waiting_periods and prescription_period are null/empty because the document is silent, not because they were not extracted. All amounts are printed as "EUR 50,000", "EUR 5,000", "EUR 150" — the € glyph does not occur in the document, so no currency symbol was lost.
  • Geometric check performed: the flat text emits the two boxes (y ≥ 251) before the top-of-page blocks (disclaimer at y 130, "What type of insurance is it ?" at y 208), so the flat reading order does not follow the printed vertical order. Attachment was rebuilt by column: x0 ≈ 31–45 (x1 ≤ 285) for the "What is insured ?" box, x0 ≈ 314–328 for "What is not insured ?" (y 251–526) then "Are there any restrictions on cover?" (y ≥ 543). No column reversal, no exclusion landing among the guarantees or the reverse; confirmed on a render.
  • The bullet marks (green ticks, red crosses, orange exclamation marks) are placed images (18 image blocks on page 1) and produce no text; their polarity was read from the render and matches the heading of the box that carries them. These findings are not in key_quotes because they are not text.
  • The prompt text was verified against the local PDF: both pages come out character-for-character identical from page.get_text("text"). No truncation, no private-use-area glyphs, no U+0007, no zero-width spaces, no soft hyphens, no lost ligatures.
  • This document is one of several language versions of the same product published by lalux. It was extracted from its own English text only; no wording, amount or missing field was completed from a French or German sibling.

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