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easyPROTECT Accident IPID EN

Résumé

Insurance Product Information Document (IPID) for the accident insurance easyPROTECT-Accident, presented under the brand "LALUX Assurances". It covers accidents suffered by the insured person in their private life, on the journey to or from work and while doing sport, with accidents in the exercise of the profession available in addition. Two packages are offered: a COMFORT PACKAGE (FLAT RATE) with death, disability and reimbursement of medical expenses, and a PERFORMANCE PACKAGE (INDEMNITY) compensating death and physical injuries under the usual rules of Luxembourg common law; home assistance is an optional guarantee of both packages. Cover applies throughout Europe and, by extension, worldwide for stays outside Europe not exceeding three months.

Définitions

Terme Définition Page
Accidents event beyond the control of the insured person that has a sudden and violent impact on the insured person’s body p. 1

Garanties

Accidents in their private life - p. 1

Accidents (event beyond the control of the insured person that has a sudden and violent impact on the insured person’s body) of which the insured person is a victim in their private life. - Optionnelle : non · Portée : The guarantees are valid throughout Europe, and by extension worldwide (for stays outside Europe not exceeding a period of three months).

Accidents during the journey to or from work - p. 1

Accidents of which the insured person is a victim during the journey to or from work. - Optionnelle : non · Portée : The guarantees are valid throughout Europe, and by extension worldwide (for stays outside Europe not exceeding a period of three months).

Accidents while doing sport - p. 1

Accidents of which the insured person is a victim while doing sport, including occasional and supervised practice of extreme sports. - Optionnelle : non · Portée : The guarantees are valid throughout Europe, and by extension worldwide (for stays outside Europe not exceeding a period of three months). - Condition : Regular practice of extreme sport as an amateur: benefits reduced by half. - Condition : Practising sports in a professional capacity is a restriction without waiver possible.

Accidents in the exercise of their profession - p. 1

Accidents, of which the insured person is a victim in the exercise of their profession, may be covered in addition. - Optionnelle : oui · Portée : The guarantees are valid throughout Europe, and by extension worldwide (for stays outside Europe not exceeding a period of three months). - Condition : May be covered in addition (the document does not state the terms).

Death (COMFORT PACKAGE (FLAT RATE)) - p. 1

If the insured person dies as a result of a covered accident. Capital freely fixed by the policyholder. - Optionnelle : non · Limite : Capital freely fixed by the policyholder - Condition : The following guarantees apply per accident. - Condition : Covered if it occurs within a maximum of two years after the accident occurs.

Disability (COMFORT PACKAGE (FLAT RATE)) - p. 1

If the insured person is permanently disabled as a result of a covered accident. Compensation calculated on the basis of the degree of disability applied to the insured amount and defined by the policyholder. - Optionnelle : non · Limite : Compensation calculated on the basis of the degree of disability applied to the insured amount and defined by the policyholder - Condition : The following guarantees apply per accident. - Condition : The degree of permanent disability must be at least 3%.

Reimbursement of medical expenses (COMFORT PACKAGE (FLAT RATE)) - p. 1

Reimbursement of medical expenses such as doctor’s fees, hospitalisation or pharmaceutical expenses. - Optionnelle : non - Condition : The following guarantees apply per accident. - Condition : Reimbursable for a maximum of two years after the accident.

Death (PERFORMANCE PACKAGE (INDEMNITY)) - p. 1

Coverage of the economic loss suffered by the insured person’s family. Compensation of beneficiaries in case of non-material damage. - Optionnelle : non - Condition : Covered if it occurs within a maximum of two years after the accident occurs.

Physical injuries (PERFORMANCE PACKAGE (INDEMNITY)) - p. 1

Physiological damage and treatment costs; Compensation for personal injury in accordance with the usual rules of Luxembourg common law; Coverage of economic loss; Compensation for aesthetic damage (e.g. scars); Coverage of loss of amenity (deprivation of sporting activities). - Optionnelle : non - Sous-limite : Physiological damage and treatment costs - Sous-limite : Compensation for personal injury in accordance with the usual rules of Luxembourg common law - Sous-limite : Coverage of economic loss - Sous-limite : Compensation for aesthetic damage (e.g. scars) - Sous-limite : Coverage of loss of amenity (deprivation of sporting activities)

Home assitance - p. 1

Optional guarantee of the Comfort and Performance packages: Housekeeping service (ironing, cleaning, preparation of meals); Sick childcare service at the insured person’s home; Childcare service (e.g. accompaniment to school); School remedial service; Psychological support for the insured person and their family, etc. - Optionnelle : oui - Sous-limite : Housekeeping service (ironing, cleaning, preparation of meals) - Sous-limite : Sick childcare service at the insured person’s home - Sous-limite : Childcare service (e.g. accompaniment to school) - Sous-limite : School remedial service - Sous-limite : Psychological support for the insured person and their family, etc. - Condition : The costs are covered in addition to the reimbursements obtained by the pension funds. - Condition : The duration of hospitalisation must exceed two days and the duration of immobilization at home must exceed four days to benefit from the guarantee. - Condition : Present proof or a medical certificate to benefit from home assistance.

Exclusions

Exclusion Description S'applique à Page
Suicide / attempted suicide Restrictions without waiver possible — Accidents to the insured person due to: suicide / attempted suicide. all p. 1
State of intoxication / intoxication with hallucinogenic products Restrictions without waiver possible — Accidents to the insured person due to: their state of intoxication/intoxication with hallucinogenic products. all p. 1
Practising sports in a professional capacity Restrictions without waiver possible — Accidents to the insured person due to: practising sports in a professional capacity. all p. 1
Minimum degree of permanent disability of 3% Printed in the box "Are there any restrictions on cover ?": The degree of permanent disability must be at least 3%. Disability (COMFORT PACKAGE (FLAT RATE)) p. 1
Light motorcycles, motorcycles and quadricycles Restrictions, unless otherwise agreed: Use and operation of light motorcycles, motorcycles and quadricycles. all p. 1
Races and competitions with motor vehicles Restrictions, unless otherwise agreed: Participation as a competitor in races and competitions when motor vehicles are used. all p. 1
Seat belt not worn in a ground vehicle General restrictions — In the event of an accident as a driver or passenger in a ground vehicle: the service due may be reduced by one third if the seat belt is not worn. all p. 1
Helmet not worn on a motorcycle General restrictions — In the event of an accident as a driver or passenger on a motorcycle: the service due may be reduced by one third in the event of failure to wear a helmet. all p. 1
Regular practice of extreme sport as an amateur General restrictions — Regular practice of extreme sport as an amateur: benefits reduced by half. all p. 1
Death occurring more than two years after the accident Death: Covered if it occurs within a maximum of two years after the accident occurs. Death p. 1
Medical expenses beyond two years after the accident Medical expenses: Reimbursable for a maximum of two years after the accident. Reimbursement of medical expenses (COMFORT PACKAGE (FLAT RATE)) p. 1
Home assistance — costs covered only in addition to the pension funds Home assistance: The costs are covered in addition to the reimbursements obtained by the pension funds. Home assitance p. 1
Home assistance — minimum duration of hospitalisation and immobilization Home assistance: The duration of hospitalisation must exceed two days and the duration of immobilization at home must exceed four days to benefit from the guarantee. Home assitance p. 1

Délais d'attente

  • Home assitance : The duration of hospitalisation must exceed two days to benefit from the guarantee. (must exceed two days) p. 1
  • Home assitance : The duration of immobilization at home must exceed four days to benefit from the guarantee. (must exceed four days) p. 1

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
  • Immediately take all necessary care for the preservation of life and recovery of the injured person. (In the event of a claim · The Company shall not be liable for any aggravation of the consequences of the accident as a result of a delay in medical treatment.) p. 2
  • 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 — within eight days of the occurrence) p. 2
  • Send in all the items required by the company to settle the claim. Transcripts, accident reports and other official documents must be sent as soon as possible. (In the event of a claim) p. 2
  • Before the conclusion of the contract, inform the Company of any pre-existing illnesses or conditions. (Special provisions per guarantee — Death, disability and medical expenses; before the conclusion of the contract) p. 2
  • Submit a medical certificate to the Company indicating the nature of the injuries or lesions, their cause and their likely consequences. (Special provisions per guarantee — Death, disability and medical expenses) p. 2
  • Submit a certificate of healing or consolidation specifying the respective periods of total or partial incapacity. (Special provisions per guarantee — Death, disability and medical expenses) p. 2
  • Present proof or a medical certificate to benefit from home assistance. (Special provisions per guarantee — Home assistance) p. 2

Procédure de sinistre

  1. Immediately take all necessary care for the preservation of life and recovery of the injured person. The Company shall not be liable for any aggravation of the consequences of the accident as a result of a delay in medical treatment. (délai : Immediately) p. 2
  2. Declare all claims within eight days of their occurrence. (délai : within eight days of their occurrence) p. 2
  3. Obtain the company’s consent before any action involving its intervention. (délai : before any action involving its intervention) p. 2
  4. Send in all the items required by the company to settle the claim. Transcripts, accident reports and other official documents must be sent as soon as possible. (délai : as soon as possible) p. 2
  5. Submit a medical certificate to the Company indicating the nature of the injuries or lesions, their cause and their likely consequences. p. 2
  6. Submit a certificate of healing or consolidation specifying the respective periods of total or partial incapacity. p. 2
  7. Present proof or a medical certificate to benefit from home assistance. p. 2

Durée & résiliation

  • Durée : The beginning (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
  • Modalité : Cancellation must be requested by sending a registered letter addressed to 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.

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.

Conditions particulières

  • Two packages (Comfort and Performance) are available depending on the composition of your family (solo, duo, family with or without children) to meet your needs as closely as possible. p. 1
  • The box "What is not insured ?" and the box "Are there any restrictions on cover ?" each end with the mention "Non-exhaustive list". p. 1
  • 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 guarantees are valid throughout Europe, and by extension worldwide (for stays outside Europe not exceeding a period of three months). p. 2

Lacunes d'extraction

  • No edition date, document reference or version code is printed anywhere on the two pages; edition_date and reference left null rather than inferred.
  • Carrier / risk bearer: the document names only the commercial brand "LALUX Assurances - Product : easyPROTECT-Accident" in the header. It never names a licensed legal entity, so which lalux entity underwrites the risk cannot be read from this document and has not been asserted.
  • target_audience left null: the document states no market segment. Its own wording about who is covered is kept in target_audience_note; deducing "particuliers" from the product type would be an inference.
  • Product name is printed two ways: "easyPROTECT-Accident" (header, hyphenated) and "easyPROTECT Accident" (body of the box "What type of insurance is it ?", unhyphenated). The header form was taken as product_name; both are preserved in the quotes.
  • Typo preserved, not corrected: the guarantee heading on page 1 is printed "Home assitance" (missing the second 's'), while the same guarantee is printed "Home assistance" in the restrictions box and on page 2. The coverage name keeps the printed "Home assitance".
  • Section-heading fidelity (defect kept, not repaired): the block "Restrictions, unless otherwise agreed:" (motorcycles, races) and the per-guarantee time limits for Death, Medical expenses and Home assistance are printed under the heading "Are there any restrictions on cover ?", not under "What is not insured ?", although they are substantive exclusions. Verified by coordinates: the heading "What is not insured ?" sits at y=255.8 and its box ends with "Non-exhaustive list" at y=381.4, while "Are there any restrictions on cover ?" starts at y=426.3 and the "Restrictions, unless otherwise agreed:" line is at y=476.0. Recorded where the document prints them, and flagged here.
  • Same heading defect, second instance: the entry "The costs are covered in addition to the reimbursements obtained by the pension funds." is printed inside the box "Are there any restrictions on cover ?" although it is worded as a complementarity rule rather than a restriction. Kept as printed.
  • Both negative boxes are explicitly closed by the mention "Non-exhaustive list" (twice on page 1, at x=487.6/y=381.4 and x=490.4/y=784.9). The exclusion list in this JSON is therefore complete with respect to the document but the document itself declares it incomplete with respect to the contract.
  • Two-column reading-order check performed and NEGATIVE: page 1 is a two-column layout (left column x0≈22.7-93.5, right column x0≈307.6-490.4) and page 2 is single-column (x0≈66.8-81.0). Span coordinates were compared with the flat-text order and they match the printed order on both pages, so no value has been re-attached to the wrong trigger.
  • Bullet marks are placed bitmap images, not text and not vector drawings: page 1 carries 32 image blocks, which resolve as 20 bullets at x0=29.8 (7.2×7.9 pt, left column), 3 at x0=307.6 (6.7×6.8 pt, "What is not insured ?") and 9 at x0=309.5 (2.4×8.9 pt, "Are there any restrictions on cover ?"); 20+3+9=32, so the count closes. They emit only a tab and a space in the text layer. They are decorative bullets, not membership marks: this IPID has no formula matrix, the COMFORT and PERFORMANCE packages being consecutive text blocks and not columns, so no membership had to be recovered from the graphics layer.
  • No amount, currency figure, percentage other than "3%" or "one third"/"by half" ratio is printed in this document, so no franchise, no insured capital and no ceiling could be extracted: "Capital freely fixed by the policyholder" is the only statement of the sum insured. The euro-glyph extraction trap does not arise here because the document tabulates no amount at all.
  • deductibles: no franchise/excess is mentioned anywhere in the document; all fields left null.
  • prescription_period: not mentioned in the document; left null.
  • No definitions section exists: the only contractual definition is the parenthesis defining "Accidents" inside the "Background" paragraph, which is what definitions[] holds.
  • Text-layer integrity verified: our own PyMuPDF page.get_text("text") extraction is byte-identical to the document text supplied in the prompt (2 pages, no truncation). Character scan found no zero-width spaces, no soft hyphens, no PUA/Wingdings leftovers, no U+0007 vectorisation markers and no ligature loss; the only special characters are 5 curly apostrophes (U+2019) and thin spaces (U+2009) before question marks and inside "Product :", all preserved verbatim in key_quotes.
  • Language: this is the English version of the document and it was extracted from its own text only. No wording was borrowed from the French or German siblings of the same IPID.

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