GENERAL INSURANCE POLICY No. STI 1/2014

Transcription

1 1 GENERAL INSURANCE POLICY No. STI 1/2014 Entered into by and between: Sberbank CZ, a.s. Policyholder Registered office: Na Pankráci 1724/129, Praha 4 - Nusle Co. Reg. No.: , VAT Reg. No.: CZ Registered in the Commercial Register with the Municipal Court in Prague, Section B, File No Represented by: Vladimír Šolc (Board Chairman) and Jiří Antoš (Board Member) and BNP Paribas Cardif Pojišťovna, a. s. Insurer Registered office: Plzeňská 3217/16, Smíchov, Praha 5 Co. Reg. No.: , VAT Reg. No.: CZ Registered in the Commercial Register with the Municipal Court in Prague, Section B, File No Represented by: Tomáš Kadlec (Board Chairman) and Martin Steiner (Board Member)

2 2 TABLE OF CONTENTS Article 1 Article 2 Article 3 Article 4 Article 5 Article 6 Article 7 Article 8 Article 9 Article 10 Article 11 Article 12 Article 13 Article 14 Introductory Provisions Terms and Definitions Insurance Policy Validity Insurance Plans Insurance Terms and Conditions, Arrangement, Changes Insurance Period, Inception and End of Insurance Insurance Premium Insurance Claim Procedure Insured Events and Insurance Benefits Obligations Policyholder Obligations Insurer Termination of Individual Insurance Policies Personal Data Protection Final Provisions ANNEXES Annex I: General Travel Insurance Terms and Conditions No. 10/2014

3 3 Article 1 Introductory Provisions The travel insurance established herein by and between the Insurer and the Policyholder is governed by Czech law and is subject to the applicable provisions of Act No. 89/2012 Sb., the Civil Code, as amended (the Civil Code ), General Travel Insurance Terms and Conditions No. 10/2014 attached hereto as Annex I (the General Insurance Terms and Conditions ), Act No. 101/2000 Sb., governing the protection of personal data, as amended (the Personal Data Protection Act ), and other applicable general binding legal regulations of the Czech Republic. Article 2 Terms and Definitions For the purposes hereof, the following terms are defined as follows: 2.1 Policyholder Sberbank CZ, a.s., Co. Reg. No.: , a party hereto having entered into this General Insurance Policy with the Insurer 2.2 Insurer BNP Paribas Cardif Pojišťovna, a. s., Co. Reg. No.: , a party hereto having entered into this General Insurance Policy with the Insurer 2.3 Insured a Policyholder s client a cardholder having met the terms and conditions specified in Article 5 hereof and a co-travelling family member whose life, health and/or other insurable interests are covered hereunder 2.4 Insurance Benefit a payment provided by the Insurer subject to the terms and conditions specified in Article 9 hereof 2.5 Insured Event an incident that would cause the Insurer to indemnify (pay the insurance benefit) in accordance with Article 9 hereof 2.6 Entitled Person any insured entitled to the insurance benefit claimed 2.7 Beneficiary a person determined in compliance with Section 2831 of the Civil Code entitled to the insurance benefit in case of the insured s death 2.8 Period Insured a period for which the insurance has been arranged (different for each insured); starts on the insurance inception date and ends upon the termination of insurance 2.9 Card an electronic means of payment (a credit or debit card) issued to a Policyholder s client under a respective card agreement 2.10 Card Agreement - a credit card agreement under which the client is issued a credit card; executed upon a client s request for a credit card and delivery of the acceptance letter; - a payment card agreement under which the client is issued a payment (debit) card and/or a request to change the payment card parameters 2.11 Insured Risk injury, disease or any other condition able to change the personal status of the insured and give rise to the insured event specified in this General Insurance Policy or in the General Insurance Terms and Conditions 2.12 Internet Banking a direct banking product used by a Policyholder s client (cardholder) to carry out card account transactions subject to the Policyholder s business terms and conditions For the interpretation purposes hereof, the capitalised terms used herein have the same meaning as the terms used in lower case and vice versa. Article 3 Insurance Policy Validity 3.1 This General Insurance Policy comes into force on the day it is signed by the parties hereto and becomes effective on 1 July Unless otherwise stipulated below, the term and effect hereof end on 31 December Unless either party informs the other party in writing of its intention to terminate the General Insurance Policy, the term and effect hereof are automatically extended by one year. The General Insurance Policy may be terminated only in writing, whereby the notice of termination must be delivered to the other party by registered letter at least two calendar months before the prescribed termination of the validity and effect hereof. Once delivered to the other party, the notice of termination cannot be revoked without prior consent of that party. 3.2 Following the termination hereof, no new insurance can be offered and arranged hereunder. The parties have explicitly agreed that the termination hereof has no effect on the rights and obligations of the parties arising from the insurance of person insured hereunder until the last day of the validity hereof. The parties have further agreed that these rights and obligations

4 4 continue to exist until the arranged insurance plan terminates in accordance with Article 12 hereof whereby the mutual rights and obligations remain to be governed hereby. 3.3 The termination or expiry of individual insurance policies executed hereunder does not affect the validity of this General Insurance Policy or that of other insurance policies arranged hereunder. Article 4 Insurance Plans 4.1 The insurance arranged hereunder ( Private Travel Insurance / Family Travel Insurance ) applies to Policyholder s clients and their co-travelling family members (if applicable) who have arranged the insurance as stipulated in Article 4.2 subject to the terms and conditions specified in Article 5 hereof. The risks insured under the insurance plans arranged hereunder are as follows: Private Travel Insurance Policyholder s Client Cardholder: - medical expenses and assistance services - baggage and personal possessions - liability for damage and injury - legal costs (car accident abroad) - lost or stolen travel documents - reunion coverage - cancellation - hospital benefits (hospitalisation due to illness or injury) - permanent disability caused by injury - death caused by injury Family Travel Insurance Cardholder and Co-Travelling Family Members: - medical expenses and assistance services - baggage and personal possessions - liability for damage and injury - legal costs (car accident abroad) - lost or stolen travel documents - reunion coverage - cancellation - hospital benefits (hospitalisation due to illness or injury) - permanent disability caused by injury - death caused by injury 4.2 The Policyholder s clients accept the insurance plan by consenting to this General Insurance Policy and the General Insurance Terms and Conditions: (a) in writing by annexing his/her signature to a request for a credit card / payment card agreement / request to change the payment card parameters; (ii) orally (by phone); or (iii) by manifesting his/her explicit will in the Internet Banking, provided such Policyholder s client is authenticated and his/her act (manifestation of will to arrange the insurance) can be and is saved. 4.3 The insurance limit specified in Article 9 hereof is constant regardless of the actual number of co-travelling family members of the cardholder. Unless otherwise stipulated below, the sum insured does not increase with the number of co-travellers and the limits of the insurance benefit apply jointly to all co-travelling family members. Article 5 Insurance Terms and Conditions, Arrangement, Changes 5.1 Private Travel Insurance and Family Travel Insurance The selected insurance plan can be arranged by any individual who has: (A) entered into a respective card agreement with the Policyholder and expressed his/her will to arrange the insurance by means of signing the payment card agreement / request for a credit card; or (B) entered into a respective card agreement with the Policyholder and subsequently expressed his/her will to additionally arrange the insurance by means of signing the

5 5 request to change the payment card parameters / orally (by phone) / through explicit manifestation of his/her will in the Internet Banking, however, only if such an individual who, when manifesting his/her will to arrange the insurance, i.e. signing the respective document / making the respective telephone call / manifesting his/her will in the Internet Banking: is younger than 70; approves the Insurer to request information concerning his/her state of health for the purposes of arranging the insurance and processing and settling the insurance claims in accordance with Section 2828 of the Civil Code; and provides explicit consent to this General Insurance Policy and the General Insurance Terms and Conditions. 5.3 The insurance is arranged for any person who has met the terms and conditions stipulated above and consented to the insurance arranged under this General Insurance Policy and the General Insurance Terms and Conditions. If the insurance is arranged within the request for a credit card, it is arranged upon signing the request for a credit card, provided that the request has been accepted by the Policyholder and the respective card agreement was entered into. 5.4 For the avoidance of doubt it is stated that the Policyholder s interest in arranging the insurance hereunder within Section 2762 of the Civil Code is given by the consent of the insured to arrange the insurance. 5.5 Changes The Private Travel Insurance plan can be changed to the Family Travel Insurance plan and vice versa upon agreement reached over the telephone by and between the Policyholder and the cardholder or upon signing the request to change the payment card parameters The change is effective from the first day of the calendar month following the month in which the change has been arranged The insurance plan can be changed only before the commencement of a trip abroad when the cardholder (and the co-travelling family members, if applicable) is present in the Czech Republic The insurance plan can be changed only once throughout the duration of individual insurance plan. Article 6 Insurance Period, Inception and End of Insurance 6.1 Unless otherwise specified below, the insurance period is equal to a calendar month. The first insurance period commences on the insurance inception date and ends on the last day of the calendar month in which the insurance has commenced. The last insurance period commences on the first day of the calendar month in which the termination of this General Insurance Policy occurs in accordance with this General Insurance Policy / General Insurance Terms and Conditions / law and ends upon the termination of insurance. 6.2 The insurance commences at 12:00 AM (midnight) of the day following the day on which the insurance has been arranged. 6.3 Unless otherwise stipulated in Article 12 hereof, the insurance ends at 11:59 PM of the day on which the respective card agreement terminates. 6.4 Effect The insurance is effective from the moment the insured has crossed the borders of the Czech Republic (i.e. has travelled abroad). The insurance ends when the insured re-enters the territory of the Czech Republic on his/her return. If arranged additionally, the insurance is effective only if the Policyholder s client is present in the Czech Republic at the moment of expressing his/her explicit will to arrange the insurance hereunder. If arranged by the client abroad, the insurance so arranged does not cover the already commenced trip abroad. 6.5 The duration of the insurance period does not affect the amount of the premium agreed in Article 7 hereof. The Insurer is entitled to the full amount of insurance premium regardless of the duration of the insurance period. Article 7 Insurance Premium 7.1 Amount Private Travel Insurance

6 6 The monthly insurance premium is CZK 49. Family Travel Insurance The monthly insurance premium is CZK The insurance premium for each insurance period and for each individual insurance coverage arranged hereunder (i.e. for each Policyholder s client) must be paid by the Policyholder into the Insurer s account no later than on the 18 th day of the calendar month following the end of the insurance period for which the insurance premium is being paid. Article 8 Insurance Claim Procedure 8.1 If an insured event occurs, the insured and/or persons determined in accordance with Section 2831 of the Civil Code (in the event of the death of the insured) must notify the Insurer/entity designated by the Insurer as of the insured event without undue delay by completing the Notification Form and producing the following documents necessary to process the insurance claim: Medical Expenses: an original/authenticated copy of the medical report; an original/authenticated copy of the travel contract (if any); an original/authenticated copies of bills for drugs and/or medical treatment, and/or original copies of other relevant bills, including payment documents; a copy of the police report translated into Czech (in case of a road accident investigated by the police patrol called to the site of the accident). Damaged Baggage and/or Personal Possessions: an original copy of the plane ticket and baggage claim ticket; an original/authenticated copy of the Property Irregularity Report; an original copy of the document certifying that the baggage was delivered; an original copies of purchase bills and certificates of payment; an original copy of the document certifying that the damaged part of the vehicle has been repaired (in case of stolen baggage carried in a vehicle). Other: relevant documents certifying that the insured event in question indeed occurred and/or documents requested by the Insurer to process the insurance claim. 8.2 The Insurer may and shall conduct any further investigation itself, approaching the insured or his/her counsel directly or (if applicable) the persons determined in accordance with in Section 2831 of the Civil Code. 8.3 The Insurer reserves the right to request additional documents as it considers necessary, examine facts and/or request the insured to undergo such medical examination as the Insurer deems necessary in order to determine its obligation to indemnify (pay the insurance benefit). The Insurer acknowledges that the costs incurred in relation to conducting any such medical examination and/or producing the (additional) documents will be borne solely by the Insurer. 8.4 If the Insurer exercises its right to examine and review facts material to the determination of whether or not the insurance claim is justified and of the amount of insurance benefits, the insured/reporting parties/persons specified in Article 8.1 hereof must provide the Insurer with necessary co-operation in compliance herewith. Article 9 Insured Events and Insurance Benefits 9.1 Private Travel Insurance, Family Travel Insurance The insured event refers to the occurrence of one or more circumstances specified in this General Insurance Policy and the General Insurance Terms and Conditions. The insurance benefits may be claimed only if the trip abroad commenced in the Czech Republic and lasted for a maximum of 90 consecutive days. Travel Insurance Benefit Limits (in CZK or as stated otherwise): Private Travel Insurance medical expenses and assistance services 2,

7 7 urgent dental treatment 10,000 lost / stolen / damaged baggage 20,000 1 piece of baggage 20,000 1 item 10,000 legal costs (car accident abroad) 100,000 liability for damage and injury 500,000 lost / stolen travel documents 10,000 reunion coverage 50,000 1 day 2,000 permanent disability caused by injury 250,000 death caused by injury 250,000 cancellation 20,000 co-insurance 20% hospital benefits (daily benefits) 2,000 Family Travel Insurance medical expenses and assistance services 2, urgent dental treatment 10,000 lost / stolen / damaged baggage 20,000 1 piece of baggage 20,000 1 item 10,000 legal costs (car accident abroad) 100,000 liability for damage and injury 500,000 lost / stolen travel documents 10,000 reunion coverage 50,000 1 day 2,000 permanent disability caused by injury 250,000 death caused by injury 250,000 cumulative limit per family (Policyholder s client and co-travelling family members) in the event of death or permanent disability caused by injury 2,000,000 cancellation 20,000 co-insurance 20% hospital benefits (daily benefits) 2,000 Article 10 Obligations Policyholder The Policyholder: 10.1 Calculates the insurance premium in accordance with Article 7 hereof and remits the collected insurance premium to the Insurer Gives true and complete answers to the Insurer s written questions regarding the insurance policies If so justifiably requested in writing, provides the Insurer with any such additional information, summaries and reports not specified herein that: relate to the insurance; are generally available to the Policyholder; and do not breach any trade secret, banking secrecy and/or confidentiality obligation of the Policyholder Keeps a list of the insured and informs the Insurer about arranged insurance plans and any changes thereto If so requested, informs the Insurer about any insurance claim it becomes aware of and submits to the Insurer the following information concerning the insured and the executed card agreement: full name, card agreement number, card agreement execution date and insurance inception date Familiarises the insured with this General Insurance Policy and the General Insurance Terms and Conditions and provides the same with a hard copy thereof Agrees with the Insurer in advance on any marketing materials regarding the insurance plans provided hereunder as well as documents making any reference to the Insurer. Article 11 Obligations Insurer The Insurer:

8 Investigates any insurance claims it becomes aware of and informs the reporting party in writing about the results of conducted investigation in accordance with Article 9 hereof Informs the Policyholder in the agreed manner about the results of investigation conducted in respect of the insurance claim in question Provides free training to the Policyholder / persons authorised by the Policyholder engaged in contact with the insured (whether current or prospective). Article 12 Termination of Individual Insurance Policies The insurance (i.e. an individual insurance policy arranged for an individual insured) terminates: 12.1 on the day on which the respective card agreement terminates; 12.2 on the day on which the insured dies; 12.3 on the day on which the related payment/credit card expires (unless a new card has been issued); 12.4 upon withdrawal of the insured from the respective insurance policy within 30 days as of the arrangement thereof; following the withdrawal by telephone through the Policyholder, such insurance policy terminates ex tunc whereas the insured returns any paid insurance benefits back to the Policyholder, the Policyholder returns to the insured the insurance fee and the Insurer returns the insurance premium paid; 12.5 on the last day of the calendar year in which the insured reaches the age of 75 years; 12.6 by mutual agreement between the Policyholder and the insured / between the Insurer and the insured reached in writing; 12.7 if the insured is in default on the payment of financial obligations to the Policyholder relating to this insurance policy / respective card agreement for over three months; 12.8 when the card-related fraudulent practices of the insured are revealed by the Insurer / Policyholder; 12.9 otherwise as stipulated in the General Insurance Policy, General Insurance Terms and Conditions and Civil Code; and if the insurance policy is terminated upon request of the Policyholder s client, whereby a new insurance policy can be arranged for the same Policyholder s client and to the same card only if the new insurance policy is arranged at least 12 months after the original insurance policy has been terminated; this does not apply to circumstances when new (other than the original) insurance is arranged within the aforementioned time limit. Article 13 Personal Data Protection 13.1 The Insurer hereby authorises the Policyholder in compliance with Section 6 of the Personal Data Protection Act to process the personal data of the insured disclosed as per Article 5 and/or disclosed by the insured to the Insurer with respect to the insurance policy or insurance claim (card agreement number, personal number and state of health). The Policyholder is authorised to process these data in order to perform the insurance and related activities as well as the rights and obligations hereunder; however, only for the time necessary to process such personal data The Policyholder, as an entity processing the personal data, hereby declares that it can (and undertakes to) facilitate adequate technical and organisational protection of clients personal data and adopt personal, technical and organisational measures to prevent any unauthorised or inadvertent access to the clients personal data or any changes, destruction, loss, unauthorised transmission and processing and/or other misuse thereof; namely measures governing the work with respective information systems, determination of persons authorised to handle the clients personal data (including the related obligation to keep confidential the information these person have learnt of in the course of processing the clients personal data) and safety measures to protect the personal data as well as premises and PCs with databases of clients personal data from unauthorised access. The Policyholder hereby declares that it has adopted internal guidelines that provide for the protection of personal data in compliance with law in force The Policyholder is not entitled to disclose the clients personal data to any third party The Policyholder ensures, in particular, that: - The Policyholder s internal system including the clients personal data (the Application ) is accessed only by authorised users authenticated by username and password; these authorised users being only the Policyholder s authorised staff.

9 9 - The clients personal data cannot be modified by the Application users, save for modifications requested by the clients themselves The Policyholder: - Processes and handles the personal data in compliance with the Personal Data Protection Act, Insurer s instructions and this General Insurance Policy. - Observes the entire set of control and protective measures with due professional care in order to protect the personal data. - Keeps the personal data only for the time necessary to process the personal data for the purposes hereof and subsequently destroys / anonymises the obtained and processed personal data in compliance with the Personal Data Protection Act so that these data cannot be processed any further. - May not modify or alter the personal data in any manner. - Processes the personal data obtained hereunder only for the Insurer s needs; with the exception of personal data processed by the Policyholder itself in the capacity of personal data administrator in compliance with the Personal Data Protection Act and/or the personal data processed by the Policyholder upon authorisation of another personal data administrator under Section 6 of the Personal Data Protection Act and obtained in compliance with law The Insurer and the Policyholder must keep confidential the trade secrets of the other party hereto and any other facts that they have learnt of in the course of performing the activities hereunder and that may be detrimental to either party hereto. In particular, they must protect information and data regarding the clients, business terms and conditions, know-how of the other party, etc., whereby this confidentiality obligation survives the contractual relationship established hereby. In cases of breach thereof, either party hereto may claim from the breaching party a contractual penalty of CZK 50,000 (fifty thousand Czech korunas) for each breach. The right to claim compensation for damage and other harm caused by the penaltyrelated breach of confidentiality obligation is not affected thereby Any provisions hereof relating to the object, price and terms and conditions of performance as well as other contractual provisions may be disclosed to Sberbank of Russia, with its registered office at Vavilova 19, Moscow , Russian Federation, and any legal entities directly or indirectly controlled by Sberbank of Russia, as well as to BNP PARIBAS ASSURANCE, with its registered office at boulevard Haussmann 1, Paris, France, and any legal entities directly or indirectly controlled by BNP PARIBAS ASSURANCE. Article 14 Final Provisions 14.1 General Travel Insurance Terms and Conditions No. 10/2014 attached hereto as Annex I form an integral part hereof In case of discrepancies between this General Insurance Policy and General Travel Insurance Terms and Conditions No. 10/2014, the wording hereof prevails Unless approved so by the Insurer in writing, the Policyholder may not assign its rights and obligations hereunder to any third party This General Insurance Policy may be changed or amended only in writing by agreement of the parties hereto, with the exception of changes to the insurance premium This General Insurance Policy has been executed in two counterparts with the same legal effect, one for each party hereto.

10 10 GENERAL TRAVEL INSURANCE TERMS AND CONDITIONS NO. 10/2014 A) GENERAL CONDITIONS Article 1 Introductory Provisions 1.1. The private travel insurance established by and between BNP Paribas Cardif Pojišťovna, a. s., with its registered office at Praha 5 Smíchov, Plzeňská 3217/16, Czech Republic, Co. Reg. No , registered in the Commercial Register with the Municipal Court in Prague, Section B, File No (the Insurer ) and the policyholder is governed by the insurance policy entered into by and between the Insurer and the policyholder, to which these General Travel Insurance Terms and Conditions No. 10/2014 are attached as an integral part (the Insurance Terms and Conditions ), Act No. 89/2012 Sb., the Civil Code, as amended (the Civil Code ), Act No. 101/2000 Sb., governing the protection of personal data, as amended, and other applicable general binding legal regulations of the Czech Republic. Article 2 Terms and Definitions 2.1. Insurance Claim Administrator the Insurer / entity appointed by the Insurer in writing to administer, investigate and process insurance claims and perform other administrative tasks, e.g. organise and provide assistance services 2.2. Acute Disease a life-threatening disease with a rapid onset and/or a short course commencing during the trip requiring necessary and urgent treatment 2.3. Assistant Services assistance provided to the insured if a loss event occurs throughout the insured trip; facilitated by the Insurance Claim Administrator 2.4. Trip a trip abroad from the Czech Republic and back and subsequent stay outside the territory of the Czech Republic covered by travel insurance 2.5. Current Price a price determined against a new price of an item, considering the ordinary wear and tear and/or other depreciation or appreciation resulting from repair or otherwise 2.6. Hospitalisation admission of the insured to an inpatient ward / unit for a period of at least 24 hours for the purpose of urgent treatment 2.7. Permanent Disability bodily harm or impairment resulting from injury / illness disabling the insured permanently to perform his/her work or other work-related and profit generating activities; the insurance benefit is paid against a medical certificate of permanent disability and injury consequences 2.8. Medical Expenses costs of medical material / treatment / other medical services, which are necessary from the medical point of view for the treatment of the insured and are reasonable and usual in the place and at the time of the insured event 2.9. Insurance Benefit Limit an amount determined in the insurance policy representing the upper threshold of the insurance benefit Disease / Illness accidental disorder affecting the physical / mental health of the insured, which emerged during the trip and which has no causal connection with any previous physical / mental disorder of the insured already recommended for medical care or treated by a physician, provided that the insured has evidently sought medical assistance during the trip Hospital a licensed health care facility providing outpatient, inpatient, basic and specialised medical care and services Dangerous Sport mountaineering, alpine hiking (above 5,000 m high), extreme alpine skiing and snowboarding outside the officially marked slopes and trails, extreme sports (in extreme conditions and terrains), motorsport, cycling (outside officially marked cycling trails), mountain biking (downhill cycling), ski-alpinism, rafting and wild water kayaking (WW II+), canyoning, skateboarding, bungee jumping, adrenaline sport and activities, and other sports and activities of similar nature Beneficiary a person determined in compliance with Section 2829 et seq. of the Civil Code entitled to an insurance benefit in case of the insured s death; any entitled person referred to herein includes also the beneficiary (if implied by the characteristics of the insurance plan and respective provision hereof) irrespective of whether the beneficiary is explicitly mentioned in the provision in question; obligations stipulated for the entitled persons apply Appraisal Tables tables, on the basis of which the amount of insurance benefit is determined for the individual consequences of insured events; attached hereto an integral part hereof Justified and Necessary Expenses expenses relating to the purchase of the most necessary clothing and sanitary items / costs of transfer from the airport to the point of replacement accommodation and back provided by the airline company / costs of the necessary telephone calls made with the Insurance Claim Administrator

11 2.16. Entitled Person an entity (the insured, unless otherwise provided for by law / Insurance Terms and Conditions / insurance policy) entitled to an insurance benefit claimed Insured an individual whose life / health / property / liability / other insurable interests are covered by travel insurance Policyholder an entity having entered into the insurance policy obliged to pay the insurance premium Period Insured a period for which the insurance has been arranged Insured Event an incident that would cause the Insurer to pay a claim (pay the insurance benefit) in accordance with the insurance policy and these Insurance Terms and Conditions Insurance Benefit an amount paid to a respective entitled person / beneficiary in accordance with the insurance policy if an insured event occurs Insurable Interest a legitimate need of protection against the consequences of insurance event Capitalised Insurance insurance, the purpose of which is to obtain a sum, i.e. an agreed amount paid by the Insurer with respect to the insured event Loss Insurance insurance, the purpose of which is to compensate for actual loss arising from an insured event Professional Sport a sport activity performed for consideration under an agreement entered into with a sports organisation / union; a sport activity providing for the only / major / significant source of income of the athlete Reasonable Travel Expenses expenses relating to the purchase of economy class plane tickets / first class train tickets / coach tickets; or costs of fuel for a passenger vehicle, where the decision on the method of transport is at the discretion of the Insurer or the Insurance Claim Administrator, taking into account all the relevant circumstances Risk Sport scuba diving, speleology, deep-sea fishing, parachuting, rafting and wild water kayaking (up to WW II), alpine hiking (3,000-5,000 m high) and other sports and activities of similar nature Family Member parents / children / siblings / spouse / registered partner / cohabitee living in common household who are residents of the same country as the insured and do not reside in the country of trip destination Coinsurance an amount determined in the insurance policy, by which an insurance benefit paid with respect to an insured event is reduced (or a period determined in the insurance policy expressed in days or hours) to which the insurance benefit does not apply Stabilised Chronic Disease a disease which existed as at the day of insurance inception, but the development of which during the 12 months before the insured went abroad did not reveal / indicate any need for medical assistance during the trip Loss Event an event resulting in damage, which may constitute grounds for the establishment of a right to the insurance benefit Hiking Trail a designated backpacking trail Injury an unexpected and sudden action of an outside agent / force or inner physical force acting independently of the will of the insured, which emerged during trip and which caused harm to the health of the insured or caused the death of the same the action of an outside force also includes drowning / lightning strike / electric shock / effect of high or low ambient temperatures, gas, vapours and toxic substances, as long as these fulfil the aforementioned conditions; the insurance excludes bodily harm caused by previously suffered injuries / illnesses and any other diseases, including their demonstration or deterioration of previously existing diseases and illnesses as a result of injury, seizures, mental disorders and changes in mental condition, irrespective of their root cause Severe Injury / Disease / Illness injury or disease / illness classified by a physician as lifethreatening Material Damage damage caused by physical loss / theft / deterioration / destruction of tangible assets Public Transport Provider an entity licensed to operate the paid (public and private) transport of passengers Baggage baggage with a solid lockable cover used for transporting the belongings of the insured or his/her co-travellers Loss physical loss / permanent loss of functionality of limbs / organs; the loss of an eye is deemed to be a total and unrecoverable loss of vision, i.e. a state after the convalescence when the degree of vision does not exceed 3/60 on the Snellen chart; a loss of hearing or speech is deemed to be a total or unrecoverable loss of hearing or speech 11

12 12 For the interpretation purposes hereof, the capitalised terms used herein have the same meaning as the terms used in lower case and vice versa. Article 3 Insurance Plans 3.1. Within the scope of the travel insurance, all or some of the following types of insurance defined below can be arranged: medical expenses and assistance services (loss insurance); baggage and personal possessions (loss insurance); liability for damage and injury (loss insurance); legal costs car accident abroad (loss insurance); reunion coverage (loss insurance); death caused by injury (capitalised insurance); permanent disability caused by injury (capitalised insurance); delayed baggage (loss insurance); delayed flight (loss insurance); substitute staff insurance (loss insurance); cancellation (loss insurance); trip interruption (loss insurance); hospital benefits hospitalisation due to illness / injury (capitalised insurance); and/or lost / stolen travel documents (loss insurance). Article 4 Inception and Effect 4.1. The insurance is arranged for each person under the terms and conditions stipulated in the insurance policy The insurance is effective from the moment the insured has crossed the borders of the Czech Republic (i.e. has travelled abroad), resp. upon airport check-in in the Czech Republic (applies to: medical expenses and assistance services; baggage and personal possessions; death caused by injury; permanent disability caused by injury; and hospital benefits hospitalisation due to illness / injury). The insurance ends when the insured re-enters the territory of the Czech Republic on his/her return, resp. upon airport clearance in the Czech Republic (applies to: medical expenses and assistance services; baggage and personal possessions; death caused by injury; permanent disability caused by injury; and hospital benefits hospitalisation due to illness / injury) The insurance policy may impose a limit on the number of days that the insured can spend abroad during an individual insured trip. Article 5 Modification 5.1. If the parties agree on modifying any previously arranged insurance and unless otherwise specified in the insurance policy, any such modification becomes effective on the date agreed, however, no earlier than at AM (midnight) on the date following the date on which the modification has been arranged. Article 6 Insurance Policy 6.1. The insurance policy and any amendments thereto must be executed in writing and supplemented with the Insurance Terms and Conditions The policyholder and the insured must provide true and complete answers to all written inquiries made by the Insurer concerning the arranged travel insurance and any modifications thereto. The same applies also to the Insurer s obligation towards the policyholder and the insured. Article 7 Processing of Insured s Personal Data 7.1. By consenting to the insurance policy and the Insurance Terms and Conditions, resp. by reporting the loss event, the insured, resp. the entitled person / reporting party approves the Insurer in compliance with the Personal Data Protection Act to process his/her personal data, including sensitive insurance-related information in order to perform the insurance and related activities under Act No. 277/2009 Sb., governing the insurance activities, as amended, as well as the rights and obligations arising from the contractual relationship; however, only for the time necessary to process such personal data. By consenting to the insurance policy and these Insurance Terms and Conditions, the insured in compliance with Section 2828 of the Civil Code further approves the Insurer / Insurance Claim Administrator / health care service providers authorised by the same to obtain information concerning his/her state of health, causes of death (if applicable) and health records from any health care service provider (having

13 13 provided health care services to the insured) and process the same. In addition, the insured hereby releases these providers from the obligation to maintain confidentiality in compliance with Section 51(b) of Act No. 372/2011 Sb., governing the medical services and conditions of providing medical services, as amended, and thereby authorises all physicians, institutes, health care facilities and health insurance companies requested to disclose this information to the Insurer even after the death of the insured and empowers the competent social security administration office to provide the information to the Insurer. In the event of his/her death, the insured hereby authorises all physicians reviewing / having reviewed his/her state of health from the obligation to maintain confidentiality with respect to the Insurer s investigation of the insurance claim. The insured hereby further declares that he/she has been duly familiarised in compliance with Sections 11, 12 and 21 of the Personal Data Protection Act with the processing of his/her personal data, his/her rights as well as obligations of entities processing / administering the personal data. The insured agrees that his/her personal data may be transferred to other countries in compliance with Section 27 of the Personal Data Protection Act. The data provided will be processed by the Insurer / policyholder / Insurance Claim Administrator as the processor / entity authorised to process the personal data in compliance with the Personal Data Protection Act. The insured explicitly agrees that the Insurer may also disclose the data obtained in connection with the suggested insurance to other entities providing insurance, banking and other financial services and to associations of such entities By consenting to the insurance policy and these Insurance Terms and Conditions, the insured further declares that he/she has been familiarised with his/her option to revoke this consent at any time. Simultaneously, the insured acknowledges that the insurance cannot be arranged and the rights and obligations under the insurance policy and/or other legal regulations cannot be performed unless the personal data and information regarding the insured s state of health is provided. Once the consent to process the personal data and information concerning the state of health is revoked, the arranged insurance terminates and the Insurer and the Insurance Claim Administrator stop investigating the loss events, processing the insurance claims and paying the insurance benefits If the telephone is used as an alternative means of communication by a party interested in arranging the insurance / insured / entitled person / reporting party / policyholder / Insurer / Insurance Claim Administrator, than the party interested in arranging the insurance policy / insured / entitled person / reporting party / policyholder agree that the incoming and outgoing telephone calls with the Insurer and the Insurance Claim Administrator may be recorded and that such an audio recording may be used in connection with the contractual or any other legal relationship for the purposes of insurance and other activities defined by Act No. 277/2009 Sb., governing the insurance activities, as amended. The Insurer and the Insurance Claim Administrator will keep the recording of the telephone call for the entire term of a respective insurance policy and for the period necessary to perform the Insurer s obligations. Following this period, the recording may only be used to protect the rights of the Insurer and the Insurance Claim Administrator, as the administrator and processor of the personal data of the insured and of the policyholder contained in the recording, in particular as evidence for court, administrative or other proceedings to which the Insurer / policyholder / insured is a party. The insured and the policyholder agree that their personal data which they disclose to the Insurer / Insurance Claim Administrator and which are contained in the audio recording of the telephone call may be kept as part of the recording for the period and for the purposes for which the recording is to be kept. Article 8 Insurance Premium 8.1. The amount and due date of the insurance premium are determined in accordance with the rates applicable to the individual types of insurance and specified in the insurance policy Any insurance arranged for a period exceeding five years may be subject to an increased insurance premium collected by the Insurer in accordance with the current inflation rate if the inflation rate for the preceding calendar year announced by the Czech Statistical Office exceeds 5% The insurance premium may further be adjusted by the Insurer if the input parameters determining the insurance premium change, such as the average amount of insurance benefit paid, average probability that the insured event occurs, average duration of travel insurance coverage, negative development of loss events, etc.; and further if the insurance premium collected is not sufficient enough to facilitate permanent performance of the Insurer s obligations In compliance with the Civil Code, the new insurance premium must be notified no later than two months prior to the date in which the insurance premium collected for the applicable month

14 14 (i.e. the month in which the new insurance premium shall apply) is due. If the policyholder disapproves of the new insurance premium and serves its disapproval within one month as of the day the policyholder has learnt of the suggested new insurance premium, the private insurance unless otherwise agreed terminates upon the expiration of a period, for which the insurance premium was paid The insurance premium is paid as lump sum for the entire insurance period (single insurance premium) or for the agreed insurance periods (regular insurance premium) The Insurer is entitled to the insurance premium for each insured and each insurance period in compliance with Section 2782 of the Civil Code. The Insurer is entitled to the full insurance premium irrespective of the length of the insurance period If the insurance premium is not paid, the travel insurance is not discontinued If the insurance premium is paid by transfer via a payment services provider, the insurance premium is deem paid upon crediting the respective amount the Insurer s bank account The travel insurance arranged for each insured terminates upon the lapse of time determined by the Insurer in a request for payment of insurance premium or part thereof delivered to the policyholder in compliance with Section 2804 of the Civil Code The Insurer is entitled to deduct the insurance premium due or other insurance claims from the insurance benefits paid. Article 9 Insured Event 9.1. The insured event refers to all or some circumstances listed below in these Insurance Terms and Conditions and in the insurance policy, which occur during the period insured and give rise to an insured event as stipulated in these Insurance Terms and Conditions and the insurance policy The insurance covers insured events, which occur outside the territory of the Czech Republic and the country of citizenship / residence of the insured, with the exception of cases where the insured is covered by public health insurance. The insurance policy may specify certain territorial limitations, i.e. may specify which territories are not covered by the insurance If a loss event occurs, the entitled person / insured / persons determined in accordance with Section 2829 et seq. of the Civil Code (in case of the insured s death), resp. an entity considered to be the entitled person, must notify the Insurance Claim Administrator without undue delay as of the loss event, give true explanation as to the emergence and severity thereof, produce the required documents necessary to investigate and process the insurance claim and consider the entitlement to an insurance benefit and proceed in compliance with the insurance policy / Civil Code / Insurance Terms and Conditions / instructions issued by the Insurance Claim Administrator The Insurance Claim Administrator then advises the reporting party of further steps to be taken with respect to the type and extent of the loss event and information received. The reporting party proceeds only as instructed by the Insurance Claim Administrator The Insurance Claim Administrator may require additional documents and conduct additional investigations to determine the extent of its obligation to indemnify (pay the insurance benefit) Any documents submitted to the Insurance Claim Administrator as proof of the insured event must be issued in accordance with Czech law and presented in the original copy. Any documents issued in accordance with foreign law may be recognised by the Insurance Claim Administrator as proof of the insured event if their content unquestionably indicates that the insured event did indeed occur. Unless the documents submitted to the Insurer as proof of the insured event are issued in accordance with Czech law and recognised by the Insurer as such, the insured event is deemed not to have occurred Documents certifying the occurrence and scope of the insured event must be presented in the Czech language or, as the case might be, in the English / German language. Documents certifying the occurrence of insured event abroad not issued in the English or German language must be submitted by the entitled person / reporting party with translation into Czech, whereby the Insurance Claim Administrator may require certified translation thereof The occurrence and duration of the insured event has no effect on the policyholder s duty to pay the insurance premium, unless the insurance has terminated The insured event may be subject to the coinsurance of the entitled person in the amount determined by the insurance policy / Insurance Terms and Conditions The insurance policy may specify a maximum number of insured events covered by the insurance in a given time period The insured / reporting party / entitled person / entity considered to be the entitled person must behave in a manner preventing the loss event from developing any further.

15 Article 10 Insurance Benefits Scope and Payment If an insured event occurs, the insurance benefit is paid by the Insurer in accordance with the insurance policy and these Insurance Terms and Conditions up to the respective insurance benefit limit The Insurer may refuse to indemnify (pay the insurance benefit) under the insurance policy if: The grounds for the insured event are a fact of which the Insurer has learnt only following the occurrence of the insured event and of which the Insurer could not have been aware when the insurance policy / amendment thereto was agreed in consequence of deliberate breach of obligation to provide true and complete answers to the Insurer s questions, provided that the insurance would not have been arranged / would have been arranged under different terms and conditions had the Insurer been aware of such a fact; or The insured suffered the injury in connection with an act for which the insured was found guilty of committing a criminal act or an act through which the insured deliberately harmed his/her own health; or The entitled person / beneficiary / insured / reporting party / entity considered to be the entitled person when claiming the insurance benefit knowingly provides false or grossly distorted information as to the insured event or conceals any material facts related thereto The insurance expires upon delivery of a notice by which the Insurer refuses to indemnify (pay the insurance benefit) for reasons stipulated in the previous paragraph The Insurer may reduce the insurance benefit by up to 50% if the insured event whereto the Insurer s obligation to indemnify (pay the insurance benefit) under the insurance policy is related occurred and the insured suffered an injury caused by and associated with the consumption of alcohol and/or addictive toxic or narcotic substances, and the circumstances under which the insured event occurred justify such a reduction; if, however, the insured event involves the death of the insured as a consequence of injury, the insurance benefit may be reduced only if such an injury occurred in connection with the insured s action whereby the insured caused a serious detriment to health or death to another person. This does not apply if the substances stipulated in the first sentence hereof were contained in medications administered as prescribed by a physician and if the insured was not alerted by the physician or the producer of the medications that the activity that resulted in the occurrence of the insured event is not allowed under the influence of the medication The Insurer may reduce the insurance benefit if the breach of the obligation of the policyholder / insured / entitled person / beneficiary / entity considered to be the entitled person has materially affected the occurrence or course of the insured event / aggravated the consequences thereof / affected the establishment or determination of the insurance benefit. The insurance benefit may be reduced in proportion to the impact of such a breach on the extent of the Insurer s obligation to indemnify (pay the insurance benefit) In the entitlement to insurance benefits under the insurance policy and these Insurance Terms and Conditions arises and after the Insurance Claim Administrator has received from the insured / entitled person the required documents, the insurance benefit is paid to the entitled person within 15 days as of the date on which the Insurer has completed all the necessary investigations regarding the insurance claim in question. The investigation is deemed completed when the party claiming the insurance benefit is informed by the Insurer about the investigation results The loss event must be investigated and the investigation thereof completed within three months as of the date the loss event has been reported. If the investigation necessary to examine the insured event / insurance benefit / entity entitled to receive the insurance benefit cannot be completed within the stated time limit, the Insurance Claim Administrator informs the reporting party about the reasons for which the investigation cannot be completed; if so requested by the reporting party, the Insurance Claim Administrator informs the reporting party about these reasons in writing. If so requested by the party claiming the insurance benefit, the Insurer provides the said party with an advance payment; this does not apply if the advance payment can be declined for justified reasons The right to claim insurance benefit is not affected by the expiration of insurance, provided that the insurance expired only after the insured event occurred and the insurance benefit was claimed within the statutory time limit The insurance benefit is not paid if the loss event occurred in connection with / as a consequence of a circumstance arising before the insurance has taken effect. 15

16 The Insurance benefit is paid in CZK. If the insurance benefit is determined in a currency other than CZK, the respective amount is unless stipulated by the insurance policy or these Insurance Terms and Conditions otherwise converted using the exchange rate announced by the Czech National Bank on the day the relevant insured event occurs. Article 11 Other Rights and Obligations The insured / entitled person / beneficiary / entity considered to be the entitled person must notify the Insurance Claim Administrator without undue delay about any third-party rights, provide information about any multiple insurance plans, complete the Notification Form, produce the necessary and required documents, proceed in the manner agreed in the insurance policy and, if so requested, assist the Insurance Claim Administrator in examining and reviewing the circumstances necessary to consider the occurrence and extent of the loss event and determining the insurance benefit When claiming the insurance benefit, the insured / entitled person / beneficiary / reporting party / entity considered to be the entitled person must comply with the obligations stipulated in the insurance policy / Insurance Terms and Conditions / Civil Code / instructions issued by the Insurance Claim Administrator The policyholder and the insured must notify the Insurer without undue delay that the insured is insured against the same peril with another insurer and disclose the insurer s name and respective insurance benefit limit The policyholder / insured / entitled person / beneficiary must ensure that the loss event cannot arise, namely prevent and avert dangerous incidents and meet obligations stipulated by law / insurance policy / Insurance Terms and Conditions and, if the loss event occurs, adopt measures preventing the loss and its consequences from developing any further In the event of doubt on the part of the Insurer, the insured / entitled person / beneficiary / party claiming the insurance benefit must prove that the insured event did indeed occur to the extent declared If the insured event occurs, the insured must contact the Insurance Claim Administrator without undue delay; in the event of injury or disease, the insured must seek medical treatment, cure him/herself according to the instructions issued by the physician and if requested by the Insurance Claim Administrator have him/herself examined at his/her own expense by a physician appointed by the Insurance Claim Administrator. The Insurance Claim Administrator may require the aforementioned examination by an appointed physician in the event of doubts as to whether the insured event indeed occurred / happened in the scope described by the insured / physician chosen by the insured. In addition, the insured must undergo all mandatory inoculations before leaving for exotic countries If the insured requests a follow-up examination, the insured bears the costs thereof. If, on the grounds of this follow-up examination, the Insurer provides another insurance benefit, the costs of the follow-up examination are refunded to the insured Other rights and obligations of the policyholder / insured / entitled person / beneficiary are set out in the insurance policy / Insurance Terms and Conditions / Civil Code / other generally binding legal regulations / instructions issued by the Insurer The insured must notify the Insurer without undue delay as of the termination of insurable interest The insured must notify the Insurer without undue delay as of the increased insurable risk The Insurance Claim Administrator and the Insurer are entitled to make insurance-related legal acts other than in writing and determine what legal acts made by the insured / policyholder / entitled person / beneficiary / reporting party / entity considered to be the entitled person may be made other than in writing The Insurer and the Insurance Claim Administrator are entitled to examine and review the insured s state of health or the causes of his/her death against the medical reports and documentation requested subject to the insured s consent thereto by the attending physicians and, if necessary, through an examination and inspection carried out by a health care facility appointed by the Insurance Claim Administrator. To this end, the insured undertakes to release his/her attending physician from the obligation to maintain confidentiality of facts concerning the former s state of health with respect to the Insurer s investigation of the insurance claim If the insurance imposes a limit on the number of days the insured can spend abroad during an individual insured trip, the Insurer / Insurance Claim Administrator has the right to request the insured to submit a document for each outbound journey of the insured from the Czech Republic (plane ticket / document issued by the employer / other). If so requested by the

17 17 insurance company, the insured must submit a document certifying his/her outbound journey from the Czech Republic. Article 12 End of Insurance The individual insurance policies end in compliance with the Civil Code: upon the expiration of the period insured; by notice of termination given in compliance with Sections 2805 and 2806 of the Civil Code; by lapse of time due to neglect to pay the insurance premium within the grace period in compliance with Section 2804 of the Civil Code; by withdrawal of the insured from the insurance policy, whereby the insured may withdraw from an individual insurance policy: within three months as of the day the insured has learnt / could have learnt of the false nature of information he/she has been given regarding the insurance; within 14 days as of the day the travel insurance has been arranged by way of a distance contract / contract negotiated away from the business premises of the policyholder, resp. within 14 days as of the day the policyholder has been provided with the information after the insurance has been arranged in compliance with Sections of the Civil Code; and if the insured is provided by the Insurer with false or incomplete answers before the insurance is arranged or when the insurance is modified. Unless the insurance policy stipulates otherwise, the individual insurance policy withdrawn from by the insured terminates ex tunc. The insured is not entitled to withdraw from the individual insurance policy in compliance with Section 1837(a) of the Civil Code if an insurance benefit has been paid with the insured s consent within the time limit set for withdrawal. Unless the insurance policy stipulates otherwise, the individual insurance policies are withdrawn from in writing through the policyholder by way of a notice of withdrawal delivered to the registered office of the same registered in the Commercial Register. If the insurance is withdrawn ex tunc, the insurance premium is returned by the Insurer; any insurance benefit paid thereunder must be returned by the entitled person by withdrawal of the Insurer, whereby the Insurer may withdraw from an individual insurance policy if the party interested in insurance / policyholder / insured wilfully or by negligence provides false or incomplete answers to the written inquiries of the Insurer when arranging / modifying the insurance policy, provided that the insurance policy would not have been arranged, had the Insurer been provided with true and complete answers; this right may be exercised within two months as of the day the Insurer has / must have learnt of such circumstance, otherwise this right terminates; upon expungement of the policyholder / Insurer from the public register; policyholder s / Insurer s liquidation; or commencement of insolvency proceedings; or otherwise as stipulated in the insurance policy / Insurance Terms and Conditions / Civil Code, whichever occurs first. Article 13 General Exclusions from Insurance 13.1 The Insurer is not obliged to indemnify (pay the insurance benefit), if the loss event has arisen under the following circumstances or as a result thereof: an intentional act of the insured / policyholder / other entity incited by the same, whereby the intentional act involves frivolous act / neglect and the occurrence of loss must have been anticipated / expected; breach of law in force in a given country by way of affray initiated; or in relation to a criminal act committed by the insured; civil wars or warfare, invasions, coups d'état, civil commotions, revolutions, terrorist attacks, sabotage and other riots, strikes or interventions of public authorities and causal links thereto; atomic blasts and nuclear / ionising radiation; handling of arms, explosives, inflammables and toxic substances; insurance claim arising in relation to / as a consequence of a disease / illness consumption / consequences of consumption of alcohol or addictive toxic or narcotic substances by the insured or abuse of medications by the insured if there is a clear causal link between such consumption and the insured event; this does not apply if the substances stipulated in the first sentence hereof were contained in medications

18 18 administered as prescribed by a physician and if the insured was not alerted by the physician or the producer of the medications that the activity that resulted in the occurrence of insured event is not allowed under the influence of the medication; suicide / attempt at suicide of the insured; deliberate self-harm / harm committed by another person upon the request of the insured; driving a motor vehicle or a vessel / flying an aircraft or hot-air balloon without a licence / contrary to official regulations / without knowledge or against the will of the owner or operator of such a means of transport; flying (e.g. hang gliding, flying powered and unpowered aircrafts, parachuting, parasailing, paragliding, etc.) with the exception of travelling on board an airplane registered with an official airline company; performance of sport activities without assistance of a person holding a respective licence (certification, registration, permission, etc.); participation in dangerous sports and activities; professional sport and attempts at record breaking; expeditions to remote areas or extreme environments (extreme socio-political situations / extreme weather) e.g. polar expeditions, desert expeditions, marshland expeditions, speleology, expeditions to vast and uninhabited regions, and expeditions to areas designated by government / local self-government / other public administration bodies as war areas / life-threatening areas / dangerous areas not recommended visiting; continuation and recurrence of diseases; consequences of diseases / injuries which appeared and were diagnosed before the insurance inception; active duty in the armed forces of any country; chronic fatigue syndrome; spinal degenerative disease and its direct and indirect consequences; asthenia, depressive conditions, mental disorder and neurosis; withdrawal / cessation, detoxification or sleep treatments; sexually transmitted diseases and consequential HIV infection, if these were diagnosed within two years as of the insurance inception date; after the transfer from hospital care to home care, if the hospital care was terminated upon the request of the insured; any complication of a high-risk pregnancy / childbirth / voluntary abortion / treatment for infertility; any complication after the 26 th week of pregnancy; childbirth; medical / preventive examinations, inspections, hospitalisation, spa treatments and cosmetic surgery voluntarily requested by the insured; physical therapy, chiropodists interventions, supportive therapy or homeopathic therapy; injuries suffered by the insured when travelling on board an airplane not registered with an official airline company / in the course of a sightseeing flight / if the flight was not listed as a regular flight in the flight schedule / if the insured person was not listed as a regular paying traveller; and/or engaging in pyrotechnic / speleology / taming / stunting / rescuing / emergency / deepmining activities in and other activities of similar risk. Article 14 Addresses and Notices Unless otherwise stipulated in the insurance policy / by agreement of the parties / by agreement between the Insurance Claim Administrator and the insured / in instructions issued by the Insurance Claim Administrator, any notices and requests regarding the insurance (including withdrawal from the insurance policy) are made in writing. Any written notices sent to the Insurer / Insurance Claim Administrator are effective upon delivery; messages delivered to the e- mail address specified by the Insurer / Insurance Claim Administrator are considered served in writing, however, provided that the sender can be identified clearly and without doubt. In the event of doubt as to the sender s identification, the Insurer has a right to request the notice to be served in writing and signed by the sender (manually or digitally) Any written notices sent to the Insurer are sent to the address of the Insurer s registered office specified in the public register or to any other address specified by the Insurer. Any written notices sent to the policyholder are sent to the address of the policyholder s registered office specified in the public register. Any written notices sent to the insured / any other party with a right or obligation arising from the insurance policy (the Addressee ) are sent through the

19 19 holder of a postal licence by standard or registered mail to their contact address, resp. to their most recent known mailing address or to the address notified by the Addressee to the Insurer if the address has changed The policyholder / insured / Insurer must notify each other without undue delay as of any changes to their contact details whereby the Insurer may notify the insured thereof by way of notification published on the Insurer s website. The written notices may be delivered by the Insurer / party authorised by the Insurer; the written notices are deemed delivered on the date of their receipt Unless stated otherwise, any written notice sent to the Addressee by registered mail / registered mail with return receipt is deemed delivered on the date of their receipt by the Addressee / on the date of receipt stated in the return receipt. Mail delivered to a recipient other than the Addressee (such as a family or household member), to whom the mail is delivered in compliance with the legal regulations concerning postal services is also deemed delivered to the Addressee If the Addressee is not reached and the written notice sent by standard / registered mail has been deposited at the post office for collection and if the Addressee has failed to collect the written notice within the collection period (according to the applicable postal service regulations), the notice is deemed delivered on the last date of the collection period, regardless of whether the Addressee has learnt about the deposition or stayed at the delivery address Any written notice refused by the Addressee is deemed delivered on the date it has been refused by the Insurer Any written notice returned as undelivered for reasons other than that stipulated in points 14.5 and 14.6 hereof is deemed delivered on the date of its return to the sender. Article 15 Final Provisions The Insurer / Insurance Claim Administrator / policyholder / insured / entitled person / beneficiary will communicate with one another in the Czech language. Any information regarding the insurance requested by an applicant in the course of arranging the insurance / during the trip will be provided in the Czech language The activities pursued by the Insurer are supervised by the Czech National Bank, with its registered office at Na Příkopě 28, Praha Any complaints are handled in compliance with the Insurer s standard internal rules. The complaints may be submitted to the address of the Insurer s registered office stated in the Commercial Register. After the complaint is investigated, the party having submitted the complaint is informed about the result in writing. Any complaints submitted to the Insurer s supervising authority (i.e. the Czech National Bank) are handled by the Insurer in compliance with the Insurer s standard internal rules and replied to by the Insurer as per the instructions of the Czech National Bank either to the respective party having submitted the complaint or the reply is submitted back to the Czech National Bank As per Act No. 586/1992 Sb., the Income Tax Act, as amended, the insurance premium paid for the insurance governed hereby cannot be used to reduce the tax base The insurance policy and relationships arising from or relating thereto are governed by Czech law. The insurance participants undertake to make every effort to resolve the disputes (if any) by agreement first and only then refer the disputes to the competent courts of the Czech Republic If the insured and the Insurer communicate by means of remote communication, no special fees for using these means of communication are charged The provisions of the insurance policy may derogate from the provisions hereof These Insurance Terms and Conditions become effective on 1 June B) SPECIFIC CONDITIONS I. MEDICAL EXPENSES AND ASSISTANCE SERVICES Article 1 Scope of Insurance, Insurance Claim 1.1. The insured event refers to the injury or disease / illness suffered by the insured / any other unforeseen contingency inflicted during the trip requiring assistance services as well as necessary and urgent medical treatment and care abroad The Insurer reimburses the insured for the necessary and efficiently spent costs and expenses paid for the treatment of the Insured in relation with the insured event.

20 The Insurer further provides the insured with the assistance services, for instance, identifies a suitable health care facility and facilitates medical treatment and care (incl. reimbursement for the costs and expenses incurred) / repatriation of the insured to the country / dispatching of medications and other medical supplies / transport of the deceased / processing of necessary documents / communication with health care facilities, etc The insurance does not replace medical treatment covered under public health insurance. The insurance only applies to urgent and necessary treatment stabilising the state of health of the insured so that he/she is able to continue his/her trip or be transferred back to the Czech Republic. Article 2 Insurance Benefit 2.1. If the insured event occurs, the Insurer compensates the insured for the following: dentist s treatment in case of acute painful dental illness (not resulting from injury), treated with a simple filling plug (including an X-ray examination) / extraction up to the insurance benefit limit as stipulated in the insurance policy; the consequences of the injury are only covered to the extent of first aid, including the treatment which prevents further deterioration of these consequences (e.g. sanding of teeth), but not definitive treatment; medical treatment, including the sanitary and medical material and diagnostic tools, within the reasonable scope given by the disease / illness of the insured; stay in hospital (without exclusive equipment and furnishing of the room and without exclusive medical care) for the necessary period; necessary diagnostic examinations, surgeries and anaesthesia, medication and materials; costs of food provided by the hospital; necessary from the medical point of view: transfer to the closest health care facility if the insured is not able to undergo transport by a conventional vehicle; transfer from the physician to the hospital / from the hospital to another specialised facility if the state of health of the insured so requires; transfer by helicopter from the point of disease / illness / injury to the closest hospital if necessary; transfer from the hospital to the place of stay abroad if public transport cannot be used; and transfer to and from the attending physician during the therapy approved by the Insurer if public transport cannot be used. The insured must agree on the means of transport in advance with the Insurer s Assistance Services and follow the instructions medication prescribed by the physician corresponding to the nature of the disease / illness and reasonable duration of the stay abroad (excluding nutrients and stimulants, preventive preparations and addictive substances); transfer of the insured to his/her place of residence or catchment hospital in the Czech Republic if the insured is unable to return via the originally planned means of transport as a result of the insured event; and transport of the mortal remains of the insured that died in consequence of the insured event back to the Czech Republic If, as so requested, the costs and expenses on the medical treatment and assistance services were borne by the insured, the Insurer compensates the insured against: medical reports indicating the discomfort, diagnosis and interventions performed and medication prescribed; original copies of invoices and bills for the medical treatment, interventions performed, medication or transport; police report if the insured was injured in a road accident or in an event investigated by the police; and/or other documents requested by the Insurance Claim Administrator, e.g. abridged copy of health records If the costs and expenses are expressed in a foreign currency, the amount of the insurance benefit is converted to the domestic currency using the exchange rate announced by the Czech National Bank on the day on which the relevant bill for the provided health care services was issued. Article 3 Exclusions