Sydbank A/S Travel Insurance Sydbank MasterCard Business Platinum Policy no: Terms and Conditions no: Valid from July 2005

Transcription

1 Sydbank A/S Travel Insurance Sydbank MasterCard Business Platinum Policy no: Terms and Conditions no: Valid from July Who is covered by the insurance? Page 2 2. When is the insurance effective? Page 2 3. Where does the insurance cover? Page 2 4. Travel service Page 2 Insurance cover 5. Illness Page 3 6. Home transportation Page 5 7. Accompaniment/Emergency compassionate visit Page 6 8. Trip continuation Page 6 9. Missed departure/flight delay Page Curtailment Page Employee replacement Page Crisis assistance Page Kidnapping Page Evacuation Page Detention Page Search Page Rescue Page Security/Bail Page Baggage Page Baggage delay Page Personal liability Page Legal expenses Page Assault Page Personal accident Page Cancellation Page Replacement trip Page Replacement car Page Extension of comprehensive motor insurance on rental car abroad Page Cover of excess on car rental abroad Page 20 General insurance conditions 30. Insurance sums Page General exclusions Page Applicable law and jurisdiction Page Duty of disclosure Page Medical examination and post-mortem examination Page Claims assessment rules Page Payment and compensation Page Assignment of claims Page Cover from third parties Page Right of subrogation Page Excess Page Claims service Page Claims procedure Page Complaints procedure Page Definitions Page 24 This insurance is provided by: If Skadeforsikring branch of If Skadeförsäkring AB (publ), Sweden Stamholmen 159 DK-2650 Hvidovre, Denmark in collaboration with: Sydbank A/S Peberlyk 4 PO Box 1038 DK-6200 Aabenraa, Denmark 1

2 1. WHO IS COVERED BY THE INSURANCE? The insurance covers the person (the insured) in whose name a Sydbank MasterCard Business Platinum has been issued as well as the accompanying spouse/cohabiting partner/registered partner of the insured who is registered with the national register at the insured s address, and any children/adopted children/separate children up to and including 23 years of age. The insurance only provides coverage in the event where a spouse/cohabiting partner/registered partner and children are travelling with the insured. Insurance coverage is on the same terms as the insurance coverage for the insured. It is a condition for cover that the insured is covered by the National Health Insurance Scheme in Denmark, Norway or Sweden or that the insured has access to comparable private or public insurance coverage in the insured s country of domicile within Europe. The insurance does not cover persons whose country of domicile is outside Europe. 2. WHEN IS THE INSURANCE EFFECTIVE? The insurance is effective for the term of the card. If the insurance is taken out at a later time than at the beginning of the trip, the insurance will not be effective until from this later time, or when the insurance premium has been charged to the insured s Sydbank MasterCard Business Platinum by Sydbank A/S. Coverage will at all events be conditional upon the insurance agreement between If Skadeforsikring, branch of If Skadeförsäkring AB (publ), Sweden, and Sydbank A/S being effective. When the insurance premium has been paid, the insurance will provide cover from the time when the insured leaves his home address, place of residence or place of work in the country of domicile in order to commence his trip. The travel insurance will terminate when the insured returns to his home address, place of residence or place of work (or when the insurance term expires, where this takes place before the return of the insured). The insurance does not provide cover during transportation between the insured s home address and place of work and vice versa. 3. WHERE DOES THE INSURANCE COVER? The insurance provides worldwide cover on business and holiday trips. The maximum duration of each trip is sixty days. On holiday trips within Europe of a duration in excess of thirty days (see Europe ) this insurance will become effective when coverage via the National Health Insurance Scheme expires after one month. However this insurance will provide worldwide coverage for covers under 5.2. d) and e) also on trips within Europe for up to sixty days per trip. The following types of trips are not covered by the National Health Insurance Scheme: Business trips Business trips or study tours combined with holiday Study tours when registered with a foreign educational establishment Trips abroad to seek employment Practical training Other trips where the purpose is not holiday or study eg relief work, other unpaid/voluntary relief work All trips where financial support is provided, including but not limited to wage subsidies and expenses relating to transportation, accommodation, meals etc Exclusions The insurance does not provide cover in the country where the insured has his permanent residence and/or the right to receive social benefits. 4. TRAVEL SERVICE Travel service consists of a number of services available to the insured before and during his trip Before departure service If requested SOS International a/s will provide information on the conditions pertaining to health, inoculations, doctors and hospitals in the area and risks Medical pre-evaluation Prior to a trip abroad, the insured may contact SOS International a/s in order to find out whether a specific disorder is covered by the insurance. It is recommended that the insured makes his inquiry to SOS International a/s well in advance. With respect to the evaluation, the insured must submit a copy of the report from the attending hospital or a statement from his own doctor including the following information: Name, address and CPR number of the insured Travel destination and travel period (date of departure and duration of trip) 2

3 Diagnosis and first appearance of illness Course of illness and treatment within the past six months Any change in medication Doctor s consultations in addition to routine check-ups Any planned treatment 4.3. Medication service If the insured loses or uses up his prescription medication during the trip, SOS International a/s can assist in providing new medication or help to find correct alternative medication on site Legal aid When travelling around the world the insured may be held liable for personal injury or damage to property or be accused of violating local laws. The insured may also sustain an injury or incur damage for which he would like to be compensated. As a consequence of language problems and cultural and political differences, it will often be difficult to find out what is going on and how to react. One could feel pressurized into giving in to even quite unreasonable demands and admissions. In such cases it is very important that the insured does not sign any declarations or statements or enter into agreements without having been in contact with SOS International a/s. Therefore if legal assistance is needed the insured must always contact: SOS International a/s The local Danish embassy/the local Danish consulate on site The travel guide if the trip has been arranged through a travel agency And state: the name, address, policy number and CPR number of the person who is in need of help. If you are being detained it will often be an advantage to contact the local consulate or the local embassy immediately Provision of money If the insured loses or has stolen all his cash funds, traveller s cheques or credit cards while travelling outside his country of domicile, SOS International a/s will arrange for cash funds to be forwarded to the insured (up to DKK 7,500). The amount actually forwarded will be withdrawn from the insured s account if the claim is not eligible for cover. Insurance cover 5. ILLNESS 5.1. Sum insured: unlimited The insurance provides cover for the insured s medical expenses in the event of emergency illness or injury sustained during trips worldwide Insurance cover The insurance covers ordinary, reasonable and necessary expenses for: a) hospitalization ordered by a doctor according to normal rates for rooms with 1 or 2 beds or intensive care unit beds, unless otherwise ordered by SOS International a/s medical consultant or agreed between the attending doctor and SOS International a/s; b) treatment by a qualified doctor; c) medicine prescribed by a doctor; d) treatment prescribed by a doctor performed by a physiotherapist or a chiropractor, up to 10 treatments; e) emergency, pain-relieving dental treatment by a qualified dentist of up to DKK 10,000 per person per claim. It is a condition that the insured sends the original dentist s report itemizing the amount charged for pain relief. The treatment must be commenced abroad but if necessary, any final treatment can take place in the country of domicile; f) local transportation by taxi or ambulance for which documentation is provided to and from a hospital, attending doctor, pharmacy or airport. Both the transportation and the means of transportation must be under the instructions of the attending doctor or the medical consultant of SOS International a/s; g) ambulance transportation, as a consequence of failure in treatment, to the nearest suitable place of treatment. It is a condition for cover that SOS International a/s medical consultant assesses that such ambulance transportation is necessary and justifiable; 3

4 h) treatment of an unborn or prematurely born baby until one month prior to anticipated time of birth and stay in a hospital or hotel prescribed by a doctor and related expenses for meals; i) local transportation, reading material etc in cases where the insured is admitted to hospital for more than 24 hours. DKK 500 will be paid per week per person per claim. Moreover telephone calls made to If Skadeforsikring or SOS International a/s are eligible for cover; j) stay in a hotel prescribed by a doctor and meals at a hotel approved by SOS International a/s if treatment which would otherwise require admission to a hospital can take place as out-patient treatment. Coverage shall moreover apply during the period after the hospital treatment is completed and until the insured returns home, is transported home or resumes the fixed travel route; k) treatment of chronic and existing illnesses, unless the illness within the past six months prior to departure has led to: 1. admission to hospital, medical assessment/treatment which is not part of a check-up; 2. change in medication; or where the insured: 3. has not seen a doctor for the illness; 4. has not seen a doctor on worsening of the illness; 5. has refused treatment for the illness; 6. has abandoned receiving treatment for the illness; 7. has been given up or has been denied treatment, has been signed up for, referred to or is on a waiting list for assesment/treatment; 8. has not appeared for check-ups within the past six months, or 9. has failed to appear for routine check-ups. If there is doubt as to whether an existing or chronic illness will be covered by the insurance, SOS International a/s can be contacted for a binding pre-assessment of whether the illness will be covered, see 4.2. Travel Service Medical pre-evaluation Exclusions a) Dental disorders which have not arisen during the trip and where the dental treatment is not temporary, pain-relieving and can wait until arrival in the country of domicile. Moreover replacement or repair of dentures is not covered. b) Plastic or cosmetic surgery or consequences hereof unless the surgery is a result of an emergency injury requiring hospital treatment during the trip. c) Treatment of sexually transmitted infections or diseases, AIDS, AIDS-related illnesses and illnesses relating to HIV antibodies (HIV positive). d) Medicine not prescribed by a doctor. e) Medical and obstetric aid occurring after the 36th week of pregnancy. f) Induced abortion which is not medically conditioned. g) Replacement or repair of glasses, contact lenses, hearing aids, prostheses or other aids. h) Recuperation or stay at a health resort. i) Alternative treatment, such as acupuncture, zone therapy, treatment by naturopaths and natural medicines. j) Treatment or stay in hospital after returning home to the country of domicile. k) Continued treatment or stay if the insured refuses to be transferred or transported home when the medical consultant of SOS International a/s and the attending doctor have assessed that the transfer/home transportation is justifiable. l) Treatment and stay abroad when the medical consultant of SOS International a/s has decided and the attending doctor has approved that treatment can wait until arrival in the insured s country of domicile. m) Transportation due to fear by the insured of danger of infection. n) Expenses as a consequence of failure by the insured to follow the instructions of the attending doctor and/or the medical consultant of SOS International a/s. o) Expenses comprised by the National Health Insurance Scheme Emergency illness or injury In the event of emergency illness or injury the insured can always contact SOS International a/s, which can guarantee or effect payment of the expenses eligible for cover for eg medical treatment and medicine. 4

5 5.5. Hospitalization During any stay in hospital which is assumed to last for more than three days, the insured must notify SOS International a/s, which can guarantee or effect payment of the expenses eligible for cover. Notification must take place immediately after admission Holiday trips within Europe (see 44.7.) The insured must contact the National Health Insurance Scheme to find out whether any chronic or existing illness will be covered on the trip. (The address and telephone number are stated on the back of the national health insurance card) Limitations a) Compensation is conditional upon the following: that the insured procures a report, including a diagnosis, from the attending doctor on site and that the insured, if so requested, makes all relevant medical records, including information on previous illnesses accessible to the medical consultant of SOS International a/s. b) The insured is obliged to provide SOS International a/s with all information which may shed light on the matter and is under an obligation to fill in a claim form and supply relevant documents, including medical records, doctor s certificates, original receipts for expenses for which a refund is requested and provide information on any insurance coverage with another company. c) In respect of holiday trips covered by the National Health Insurance Scheme (see 44.2.). In respect of holidays of a duration of up to thirty days within Europe (see 44.7.) reference is made to the National Health Insurance Scheme. The National Health Insurance Scheme covers expenses for medical treatment, medicine, ambulance and home transportation during holiday trips within Europe. However this insurance covers the items mentioned in 5.2. d) and e) (emergency pain-relieving dental treatment, physiotherapy and chiropractic treatment) as these expenses are not covered by the National Health Insurance Scheme. 6. HOME TRANSPORTATION 6.1. Sum insured: unlimited 6.2. Insurance cover a) Transportation of the insured to his home country or to another suitable place of treatment if SOS International a/s medical consultant has assessed that transportation is necessary and justifiable. b) Resuming the fixed travel route after completed treatment to the location where the insured according to the planned travel route was supposed to be. c) Repatriation in cases where the scheduled travel period has been exceeded or cannot be resumed for medical reasons. d) In the event of death, expenses for the home transportation of the deceased and statutory arrangements such as embalming and a zinc coffin will be reimbursed. The immediate relatives have the following options: 1. cremation of the deceased and home transportation of the urn or 2. home transportation of the deceased to the country of domicile. SOS International a/s may demand that the deceased is transported home eg so that a post-mortem examination may be performed. e) Children under 23 years of age (belonging to the household) who are travelling with the insured are entitled to home transportation when a parent or travel companion is to be transported home due to illness, injury or death. f) Contact to SOS International a/s. g) The insurance covers only one home transportation in connection with one course of illness Exclusions a) New departure or resuming the travel route after having returned to the country of domicile. b) Expenses covered by the National Health Insurance Scheme Limitations a) If the home transportation is arranged by the insured without contacting SOS International a/s, the insurance will cover as a maximum an amount corresponding to the expenses which SOS International a/s would have incurred if SOS International a/s had arranged for the home transportation. Also, it is a condition that SOS International a/s medical consultant finds home transportation necessary and justifiable. 5

6 b) Neither the insurance company nor SOS International a/s can be held responsible for any delays or restrictions in connection with the transportation caused by weather conditions, mechanical problems or other circumstances beyond the control of If Skadeforsikring/SOS International a/s. c) The insured is obliged to provide SOS International a/s with all information which may shed light on the matter and is under an obligation to fill in a claim form and supply relevant documents, including medical records, doctor s certificates, original bills etc and provide information on any insurance coverage with another company Making a claim a) In the event of serious illness or injury where home transportation may become necessary, SOS International a/s must be notified immediately. The medical consultant of SOS International a/s will together with the attending doctor/ hospital decide whether home transportation is necessary, including when and how the transportation will take place. During holiday trips covered by the National Health Insurance Scheme, reference is made to the National Health Insurance Scheme. The National Health Insurance Scheme covers ambulance transportation and home transportation during holidays within Europe of a duration of up to thirty days. 7. ACCOMPANIMENT/EMERGENCY COMPASSIONATE VISIT 7.1. Sum insured: unlimited 7.2. Insurance cover a) Accompaniment/emergency compassionate visit if the insured dies, is hospitalized or transported home/transported home by ambulance due to a serious acute illness. b) The insured may choose up to two persons or immediate relatives to accompany the insured (see ). c) With respect to emergency compassionate visits, it is a condition for cover that the attending doctor as well as the medical consultant of SOS International a/s agree that the duration of the stay in hospital will be of a minimum of 72 hours, or that the condition of the insured is life-threatening. d) Cover will be provided for the round trip flight ticket(s) of the person(s) accompanying the insured. Furthermore cover will be provided for reasonable, necessary expenses in connection with hotel accommodation, meals and local transportation for a maximum of fourteen days which are incurred by the above person(s) who, according to agreement with SOS International a/s, are to remain with and/or accompany the insured. e) The return trip of a covered travel companion/travel companions will be covered in the event that he/they accompany the insured, irrespective of whether a companion is insured with the insurance company. f) The coverage provided by this travel insurance will automatically become effective and will cover the person or persons accompanying the insured. Coverage will cease immediately upon completion of the accompaniment Limitations a) Where coverage under both Accompaniment and Compassionate emergency visit is used, the insurance will cover up to a total of two persons. b) It is a condition for compensation that the insured submits original documentation for all additional expenses paid for accommodation, meals and transportation for all the persons who have accompanied the insured and provides information on which expenses would have been paid if accompaniment had not taken place. c) A compassionate emergency visit to the insured abroad must take place from the country of domicile of the insured Making a claim In the event that the insured wishes to make use of the cover Accompaniment/Compassionate emergency visit, SOS International a/s must be notified immediately. SOS International a/s can provide assistance in arranging for transportation, hotel accommodation, etc. 8. TRIP CONTINUATION 8.1. Sum insured Transportation costs: unlimited. Accommodation, meals and local transportation: a maximum of DKK 2,500 per day per person per claim Insurance cover a) Compensation for resuming the travel route if the insured s trip has commenced and the planned travel route for which documentation is provided cannot be carried out. 6

7 b) Reasonable, necessary additional expenses relating to hotel accommodation, meals and local transportation of up to DKK 2,500 per day Limitations a) It is a condition for cover that the delay is due to illness/injury and that the attending doctor has ordered bed rest, hospitalization or emergency out-patient treatment. b) The insurance covers resuming the fixed travel route, as a maximum in the same class as that of the original outward bound trip. 9. MISSED DEPARTURE/FLIGHT DELAY 9.1. Sum insured: DKK 30,000 per card per claim 9.2. Insurance cover missed departure a) Reasonable, additional costs of transportation for which documentation is provided, as a maximum in the same class as for the originally paid flight ticket, in order to resume the fixed travel route, if the insured after leaving his home address/place of work through no fault of his own and due to unforeseen circumstances arrives late for a public transport departure or transport arranged by the travel agency and for that reason must subsequently resume the travel route. b) Additional costs of accommodation at a hotel approved by SOS International a/s of up to DKK 2,000 per day per person per claim. c) Expenses for meals and local transportation of up to DKK 500 per day per person per claim The insurance against missed departure does not cover: a) on the outward bound trip up to 24 hours after departure if the travel insurance has not been paid until the date of departure; b) in connection with the insured s change between two means of transportation if there are less than 2 hours between the planned time of arrival of the first means of transportation and the planned time of departure of the second means of transportation; c) if, due to his own fault, the insured fails to check in at the airport, port, railway or bus station or other meeting point in respect of other means of transportation according to the travel itinerary supplied. See also General insurance conditions Limitations a) if the insured uses own means of transportation to the place of departure it is a condition for cover that an accident has necessitated assistance from a salvage association. b) It is a condition for cover that the travel ticket/travel ticket(s) have been booked and paid no later than 24 hours prior to departure Insurance cover flight delay a) The necessary expenses incurred by the insured for the purchase of meals, refreshments, newspapers and magazines, hotel accommodation and transfer/transit expenses to or from the airport in the event that a flight delay exceeds four hours, see Covered flight delay. In addition the insurance covers events where the baggage of the insured has been checked in and cannot be retrieved, expenses to buy necessary and absolutely indispensable toiletries and clothes if the flight departure is delayed to such an extent that extraordinary hotel accommodation is arranged The insurance against flight delay does not cover: a) if the person(s) insured fails/fail to check in according to the travel itinerary supplied, unless such failure in itself is due to a strike or an industrial action; b) if the delay is due to a strike or an industrial action which existed or of which prior notification was given before the date on which the affected part of the trip commenced; c) if the delay is due to aircraft being taken out of operation, temporarily or permanently, according to recommendations from the airport authorities, from the civilian air services or from a similar body in any other country, of which prior notification was given prior to the date on which the trip commenced; d) if compensation has been provided by the airline in the form of hotel accommodation, serving of food or supply of toiletries. In these circumstances no compensation is given for similar services under this insurance. e) Documentation for all purchases must be provided in the form of original receipts. 7

8 9.7. Limitations a) The maximum compensation for emergency purchases for which documentation is provided constitutes DKK 1,500, irrespective of the number of persons. b) The insurance covers up to DKK 7,500 per card for each flight delay, including DKK 1,500 for emergency purchases. For trips to Greenland and the Faroe Islands and trips within these two areas, cover is however limited to DKK 1,500. c) A number of flight delays which all originate from one and the same flight delay will be construed as constituting one delay in terms of compensation Making a claim If the insured misses his flight, bus or train departure, the insured must contact SOS International a/s. SOS International a/s can assist in arranging for a new flight ticket and accommodation if it is not possible to continue on the same day. 10. CURTAILMENT Sum insured: unlimited The insurance provides cover if the trip must be cut short due to: a) the death, suddenly occurred serious illness or injury which has led to hospitalization of the insured s immediate relatives (see ); b) fire, flood or burglary in the private home or own company of the insured provided a police report has been written; c) fraudulent acts in the insured s own company committed by an employee provided a police report has been written and the presence of the insured is required; d) strike in contravention of the collective agreement or unexpected bankruptcy in the insured s own company provided the presence of the insured is required Exclusions a) Curtailment if the event which is the reason for the curtailment has arisen prior to the departure of the insured Limitations a) It is a condition of If Skadeforsikring s liability to pay compensation that the insurance event has occurred after the departure of the insured and that it could not be foreseen or anticipated at the time of departure by the insured from his home country. b) The insured is free to select one person at the place where the insured is staying to accompany him provided the insured is travelling without any co-insured travel companions. c) If the trip is resumed, reasonable additional travel expenses relating to the return trip will be covered, always provided that there remain a minimum of fifteen days of the planned travel period. d) The travel period is the number of days which the planned trip was supposed to last. Documentation with respect to the travel period must be forwarded to If Skadeforsikring. e) The insurance only covers one curtailment in connection with one occurrence, including one course of illness. f) If the trip is by car, other means of transportation than the car may be used for the return trip subject to agreement with SOS International a/s. In such cases, the insurance will also cover expenses for home transportation of the car. g) A flight ticket will be provided in the same class as the ticket paid for the outward bound flight as well as reasonable and necessary additional travel expenses incurred by the insured and any selected travel companion due to curtailment. 11. EMPLOYEE REPLACEMENT This cover applies only during business trips worldwide Sum insured: DKK 50, The insurance will provide cover where the insured s planned trip cannot be carried out due to: a) the death or hospitalization of the insured, or the attending doctor has ordered that the insured remains in bed or remains indoors for a minimum of three days due to emergency illness (see however 5.2.) or injury; b) the insured is transported home as a consequence of a covered claim; c) the insured returns home as a consequence of a covered claim; 8

9 11.3. Limitations It is a condition for cover that: a) the return trip is due to incapacity for work for which documentation is provided; b) the round trip flight ticket of the replacement employee is in the same class as the insured had originally chosen. This also applies to additional expenses for hotel accommodation, meals and local transportation of the replacement employee; c) the incapacity for work is expected to last for a minimum of three consecutive days and that the time of arrival of the return trip is at least two days earlier than the scheduled date of arrival; d) the insured provides a report from the attending doctor on site from which it appears that the employee who was originally sent is unable to carry out the work assigned by the insured due to emergency illness or injury. The attending doctor s report must also include information on the diagnosis and anticipated duration of incapacity for work. Original documentation for the additional transportation expenses must be forwarded to SOS International a/s Making a claim The insured must notify SOS International a/s immediately. 12. CRISIS ASSISTANCE The insurance comprises crisis assistance to the person(s) insured who is/are exposed to an acute emotional crisis during a trip due to a life-threatening event as a consequence of: 1. war or warlike activities 2. rebellion or civil unrest 3. other violent events, including acts of terrorism 4. epidemics 5. kidnapping/abduction 6. robbery 7. assault or threats 8. accident 9. fire, explosion or burglary 10. natural disasters Insurance cover a) Consultations with a psychologist or psychiatrist of a maximum of ten sessions for each insured person per claim. b) Transportation expenses to the place of treatment agreed upon with SOS International a/s, provided the distance exceeds 15km. If transportation takes place in the car of the insured, the Danish government s lowest travelling allowance rate will be covered. Transportation costs per person cannot exceed DKK 1,000 per claim. c) Legal advice from a qualified lawyer practising in the home country comprising 30 minutes telephone consultation. d) Crisis assistance to immediate relatives (see and ) of the insured person(s) who have experienced one of the above events. The sum insured is DKK 10,000 for each event for the immediate relatives of each of the insured persons Making a claim If crisis assistance is needed SOS International a/s must be contacted. SOS International a/s will assess the need and subsequently make a final decision concerning the provision of crisis assistance/the sending out of a crisis team. 13. KIDNAPPING If an insured person is kidnapped, the insurance will cover reasonable additional expenses for the immediate relatives (see ) Sum insured: DKK 100,000 for each kidnapped person per claim Insurance cover a) Travel costs to gather the family at a location near the kidnapped person. b) Loss of earnings incurred by immediate relatives Limitations It is at the discretion of SOS International a/s to decide the extent to which activities are to be initiated Making a claim If crisis assistance is needed SOS International a/s must be contacted. SOS International a/s will assess the need and subsequently make a final decision concerning the provision of crisis assistance/the sending out of a crisis team. 9

10 14. EVACUATION The insurance covers evacuation as a consequence of events starting after the arrival of the insured Sum insured: unlimited The insurance covers expenses for evacuation and/or any additional expenses for any return trip from an area where there is imminent danger of: a) war, civil unrest, terrorist activities, martial law or other similar condition in the area where the insured is located; b) life-threatening epidemics in the area where the insured is staying provided that these conditions have been declared and announced by the Ministry of Foreign Affairs in Denmark; c) natural disasters; d) loss of or damage to baggage which must be abandoned as a result of a covered evacuation or return trip Limitations It is a condition for compensation that: a) these conditions have occurred after the insured s time of departure for the area; b) the Ministry of Foreign Affairs in Denmark, the Danish embassy or other similar institution issues a statement advising evacuation or returning home, and that the insured has not at any previous point of time failed to comply with any recommendations for evacuation issued by the Ministry of Foreign Affairs; c) transportation takes place at the first possible opportunity. The insurance company cannot be held liable for the extent to which such transportation can take place but will collaborate with the Ministry of Foreign Affairs in Denmark in cases where assistance is required. 15. DETENTION The insurance covers additional expenses if the insured is withheld, detained or interned by the authorities of a country as a consequence of: a) war, civil unrest, terrorist activities, martial law or other similar condition in the area where the insured is located; b) life-threatening epidemics in the area where the insured is staying provided that these conditions have been declared and announced by the Ministry of Foreign Affairs in Denmark; c) natural disasters Sum insured: DKK 50,000 per person per claim, see however Insurance cover a) Additional expenses incurred for which documentation is provided for a period of up to three months. b) Accommodation and domestic transportation expenses up to a limit of DKK 50,000. c) Additional meal expenses up to a limit of DKK 500 per day Limitations a) It is a condition for cover that these conditions have occurred after the insured s time of departure for the area. b) It is a condition for cover that the insured has not at any previous point in time failed to comply with any recommendations for evacuation issued by the Danish Ministry of Foreign Affairs or Statens Serum Institut (SSI). 16. SEARCH Sum insured: DKK 50,000 per person per claim Insurance cover a) Expenses which local authorities demand payment of or guarantee for prior to the commencement of a search. b) Search for up to fourteen days within a radius of 50km from the location where the person insured was last seen The insurance does not cover search expenses: a) in connection with kidnapping, abduction and hijacking; b) if public authorities cover such expenses for uninsured persons; c) if the person insured is taking part in an expedition. 10

11 17. RESCUE The insurance covers the expenses which local authorities demand payment of or guarantee for prior to the commencement of a rescue mission Sum insured: DKK 50,000 per person per claim Insurance cover Necessary rescue/retrieval expenses The insurance does not cover search expenses: a) in connection with kidnapping, abduction and hijacking; b) if public authorities cover such expenses for uninsured persons; c) if the person insured is taking part in an expedition. 18. SECURITY/BAIL Sum insured: DKK 100,000 per person per claim Insurance cover Payment which permanently or temporarily can release the insured or the personal belongings of the insured from detention by local authorities The insurance does not cover security/bail in court proceedings concerning: a) contractual, commercial and work-related relationships; b) court proceedings on liability for use of motor vehicles; c) criminal proceedings; d) cases which have not arisen on the journey Limitations a) Security is provided as an interest-free loan which must be repaid to If Skadeforsikring immediately after the release of the security by the relevant authorities. b) If the security is not repaid as a consequence of the insured failing to pay a fine imposed or compensation or the insured failing to appear at court meetings or the insured in any other way being responsible for the failure to repay, it will be regarded as an interest-free loan which must be repaid to If Skadeforsikring immediately after seizure. 19. BAGGAGE Sum insured: DKK 50,000 per Sydbank MasterCard Business Platinum per trip Insurance cover a) Ordinary baggage belonging to the insured (clothing, toiletries), computer equipment, cell phone, cash, credit cards, travel tickets, passport, securities provided that the insured is travelling with such articles or has acquired such articles during the trip. b) Costs incurred in order to replace travel tickets, traveller s cheques, credit cards, securities and passports. Such costs comprise necessary transportation, fees, photos etc, but do not include compensation for the time it takes to replace such items Covered claims The insurance covers loss of and/or damage to the insured s baggage as a consequence of: a) robbery; b) theft from a locked hotel room, accommodation abroad (including locked caravan and mobile home), safety box as well as theft from a locked trunk/glove compartment in a motor vehicle which bears visible signs of theft; c) theft discovered at the time of the crime of objects on the insured s person; d) accompanied baggage, including damage due to fire or water; e) loss of, damage to and/or confusion of checked in baggage, with the exception of cash, tickets, securities and passports. Baggage is however not considered to be lost until the transport company has given notification that the search has been completed and the baggage has not been found. 11

12 19.4. Exclusions a) Baggage of any kind for commercial use, including samples, commercial products and collections. b) Sports equipment, bicycles and related accessories. Cover is however provided in respect of loss of and/or damage to skiing and golf equipment which was brought along on the trip or purchased at the destination as a result of the claims specified in a), b), c) and e). c) Items which are sent separately as these are not comprised by this insurance during transportation. Such items are not covered until the time when they are collected by the insured. d) Wear and tear or gradual deterioration, scratches, marks and damage to suitcases or other carriers if the use value is to a substantial extent unchanged. e) Damage to or caused by food, bottles, glass and similar items packed in the baggage, including damage to baggage attributable to having used a poor suitcase or other type of carrier. f) Misuse of credit cards and traveller s cheques, including any related financial loss incurred. However costs associated with contacting the card issuer in order to block the credit card and any fees for card replacement are covered up to a value of DKK 1,000. g) Theft of items which are left unattended as the insured items may not be left by the insured, not even for a brief moment, if they are not locked in a room, motor vehicle trunk, luggage locker or similar. h) Forgotten, lost or misplaced items. i) Any indirect loss Limitations a) Cash, credit cards and securities will be compensated for by up to DKK 10,000 per Sydbank MasterCard Business Platinum per claim. b) Compensation for a single item cannot exceed DKK 25,000 per Sydbank MasterCard Business Platinum per claim. c) Compensation for total computer equipment, total photographic equipment, other technical equipment, total skiing and golf equipment and jewellery constitutes up to DKK 25,000. d) Photographic equipment and other technical equipment will only be compensated if kept in hand luggage. Technical equipment placed in a suitcase during transportation will not be covered as a consequence of theft or damage. e) The maximum compensation for films, videos, tape recordings, drawings, manuscripts and similar items is the value of the raw material. f) It is a condition for compensation that the covered items are treated and kept safely and that the insured in general acts in a careful manner. g) If checked in baggage (see ) is lost, notification must be made to the transport company responsible for the baggage. The receipt of the notification must be sent to If Skadeforsikring in the form of the original claim report, PIR report (Property Irregularity Report) and original flight tickets. h) It is a condition for compensation that the insured in the event of theft/robbery reports the incident to the nearest police authority and sends the original receipt of the report to If Skadeforsikring. i) If, in exceptional cases, it is not possible for the insured to report the theft/robbery during his trip, the incident must be reported at the first available opportunity and no later than immediately after the insured s return home. The original receipt of the report from the local police authority or the local transport company, respectively, must be sent to If Skadeforsikring together with the claim Calculation of compensation a) In respect of items for which there is proof of purchase that such items were bought as new, which are undamaged at the time of the occurrence, and which are less than two years old, the insurance will cover the replacement cost of corresponding new items. b) In respect of items which are more than two years old, bought as second-hand or already damaged, the insurance will cover the replacement cost of corresponding new items, however with a reasonable deduction for depreciation as a consequence of age, use, reduced use value or other circumstances. c) The insurance company may choose to have damaged items repaired or to pay an amount corresponding to the price of repair. If Skadeforsikring has the right to but is under no obligation to provide payment in kind. 12

13 19.7. Making a claim a) In the event of acute financial distress resulting from a covered claim, the insured can contact SOS International a/s. The insured must notify If Skadeforsikring immediately after his return home. b) If the items are damaged such items may not be thrown out before receiving permission from If Skadeforsikring. If requested, the insured must send the damaged items to If Skadeforsikring. Costs in this respect will be paid by If Skadeforsikring. 20. BAGGAGE DELAY Sum insured: DKK 7,500 per person per claim, up to DKK 15,000 per Sydbank MasterCard Business Platinum per claim Insurance cover a) If the checked in baggage of the insured is delayed for more than three hours after the arrival of the insured at his destination outside the country of domicile, the insurance covers reasonable and necessary expenses for replacement purchases corresponding to items missing (clothing, toiletries, vital medication) up to a value of DKK 7,500 per person. The items must be purchased at the place of destination. b) If the checked in baggage of the insured is delayed for more than 24 hours after the expected time of arrival in the country of domicile and the insured is to commence a new trip abroad within 72 hours after his arrival home, the insurance covers reasonable expenses for purchases of clothing and toiletries up to a value of DKK 1,000 per person Exclusions a) Replacement purchases made after the baggage has arrived at the place of destination. b) Rent/purchase of sports equipment, cell phones or other technical equipment. c) Indirect expenses associated with the baggage delay, such as transportation costs, hotel accommodation, meals and phone calls, unless the phone call is made to If Skadeforsikring or SOS International a/s Limitations a) It is a condition for cover that the insured in the event of a new trip abroad is able to provide proof of a pre-booked new trip abroad prior to his arrival home. b) The insured must submit original flight tickets and the original receipts for expenses paid for replacement purchases to the insurance company. c) It is a condition for compensation that the insured can present original documentation in the form of a claim report (PIR report) from the relevant transport company showing that the baggage has not arrived at the scheduled time and stating the date of its actual arrival Making a claim In the event of acute financial distress resulting from a covered claim, the insured can contact SOS International a/s who can assist in providing financial help. The insured must notify If Skadeforsikring immediately on his return home. 21. PERSONAL LIABILITY The insurance provides compensation if, during the trip, the insured becomes legally liable to pay claims for bodily injury or damage to property according to applicable law in the country where the injury or damage occurs Sum insured: DKK 10,000,000 per year Insurance cover a) Costs associated with the decision on the question of compensation. Coverage of such expenses is subject to the prior approval of If Skadeforsikring. b) Damage to a hotel or rented accommodation including its contents up to a value of DKK 100,000 per trip. There is an excess of DKK 1,000 per insurance event. c) The insurance sums stated in the policy constitute the maximum limit of the insurance company s liability including any and all costs for a single occurrence of damage, irrespective of whether liability is imposed upon more than one person or party and irrespective of whether the claim is covered by one or more policies taken out with If Skadeforsikring. d) The insurance does not cover the liability of the insured to pay damages: 1. in contractual relationships; 13

14 2. in commercial or work-related relationships; 3. as a consequence of the insured by agreement or in any other way having incurred liability extending beyond the general law of damages than that which the insured would have been subject to according to the ordinary rules governing liability in tort; 4. for loss of or damage to items which the insured owns, has on loan, on hire, or for storage, use, transportation, processing or treatment, or has taken possession of or has in his custody for any other reason; 5. for damage or injury caused by dogs; 6. for injury as a consequence of the insured having transmitted a disease to others by infection or otherwise; 7. for damage or injury caused by the use of motor vehicles, caravans/trailers, aircraft, watercraft of a minimum length of three metres with a sail or a motor, or watercraft of a length of less than three metres with a motor power exceeding 3hp; 8. for damage or injury caused by the insured as a hunter; 9. for damage or injury caused deliberately. 10. Fines, penalties or similar demands imposed. 11. Liability for injury or damage caused as a consequence of self-induced intoxication or self-inflicted influence of narcotics when such intoxication or influence is a significant reason for the injury or damage. Please note: The insured cannot with binding effect on the part of the insurance company in whole or in part admit liability for damages for any injury or damage caused Making a claim a) The insured must immediately contact SOS International a/s, who will make all decisions in this matter. b) The insured is obliged to provide SOS International a/s with all information which may shed light on the matter, including: the original police report or receipt for making a report to the police and a precise description of the course of events, the names and addresses of all parties involved, information on other insurances which can cover the claim, witness statements, itemized statements of the injury or damage. 22. LEGAL EXPENSES The insurance covers costs in connection with certain private legal disputes arising during the insured s trip on equal terms with the insured s household insurance including cover for legal expenses. The insurance also covers travel costs if the insured is required to testify in legal proceedings abroad. In respect of cover for legal expenses, the general terms and conditions applying to legal expenses with respect to household insurance policies including cover of contents issued by the Danish Insurance Association ( Forsikring og Pensions Almindelige Betingelser for Retshjælp for Familieforsikringer med Indbodækning ) will apply with the below deviations in connection with court and arbitration proceedings originating from disputes arising during the trip. Moreover the limitations and exclusions stipulated in the general terms and conditions applying to legal expenses with respect to household insurance policies including cover of contents issued by the Danish Insurance Association will apply ( Forsikring og Pensions Almindelige Betingelser for Retshjælp for Familieforsikringer med Indbodækning ) Sum insured: DKK 100, The insurance covers reasonable and necessary travel costs in connection with court and arbitration proceedings in the following cases: a) The presence of the insured is required in order for the case to be carried out, and the insured has been summoned by the court to testify as a party to the case. b) The insured has been summoned as a witness. It is a condition for cover that it is not possible to give evidence in the home country Excess An excess is payable by the insured in respect of any claim comprised by the cover for legal expenses. The excess constitutes 10% of the total costs, however at least DKK 2,

15 22.4. Exclusions a) Expenses in connection with court and arbitration proceedings between the insured and the travel agency, travel organizer or travel provider. b) Actual compensation, fines, penalties or similar demands imposed Making a claim The insured has a duty to provide If Skadeforsikring with all information which can shed light on the matter and is obliged to fill in a claim form and supply relevant, original documents, including a written statement of claim etc and provide information on any insurance coverage with another company. Please note: The general terms and conditions applying to legal expenses with respect to household insurance policies including cover of contents issued by the Danish Insurance Association ( Forsikring og Pensions Almindelige Betingelser for Retshjælp for Familieforsikringer med Indbodækning ) are available at If Skadeforsikring (in Danish only). 23. ASSAULT The insurance provides financial compensation if, during the trip, the insured is exposed to an assault resulting in personal injury or death Sum insured: DKK 500,000 per person per claim Insurance cover a) If the insured is assaulted and thereby sustains personal injuries for which documentation is provided, the insurance will cover: 1. loss of earnings 2. health examinations 3. other financial losses, ie losses which can be determined by an evaluation 4. compensation for pain and suffering. Compensation in accordance with the above items is calculated as the amount which a liable person causing the loss would be ordered to pay under Danish case law according to the Danish Liability in Damages Act for an assault having taken place under corresponding circumstances in Denmark. b) If the insured dies as a consequence of the assault, the insurance provides coverage of reasonable expenses for the funeral and loss of dependency of an amount corresponding to the sum which a person causing the loss would be liable to pay under Danish case law according to the Danish Liability in Damages Act under corresponding circumstances in Denmark Exclusions a) Damage or injury sustained by the insured which is caused by a travel companion, ie a person who is travelling together with the insured during the entire trip and who is covered by the insurance. b) Damage or injury sustained by the insured which is caused in connection with participation in a criminal offence. c) Damage to property resulting from an assault. d) Any loss, damage or injury arising out of or resulting from a fight initiated by the insured Making a claim It is a condition for compensation that the assault is reported to the nearest police authority, that a police report is written and the original copy sent to If Skadeforsikring, that the insured consults a local doctor, a local dentist or a local hospital after the assault, and that a doctor s report is obtained. 24. PERSONAL ACCIDENT The insurance covers injury of the insured person(s) who, during the trip, is/are exposed to an accident which directly and exclusively causes the death or permanent disablement of the insured Sum insured per person per injury In the event of permanent disablement: DKK 1,000,000 In the event of death: DKK 1,000,000 In the event of injury the sum insured at the time of accident will apply Accident shall be understood as a sudden event causing personal injury Insurance cover a) Accidents attributable to fainting or indisposition provided that this is not due to an existing or latent illness. 15

16 b) Drowning or carbon monoxide poisoning. c) Bodily harm as a consequence of freezing/frostbite, heatstroke or sunstroke. d) Accidents occurring during an attempt to avoid the injury of other persons or damage to property Exclusions a) Accidents attributable to illness. b) Over-exertion or overtaxation. c) Any illness, including illnesses arising due to infection with viruses (virus), bacteria and other microorganisms, pollen, fungus spores or the like. d) Poisoning from food, drink, stimulants and medicine. e) Worsening of the consequences of the accident as a result of an existing or accidental intercurrent illness. f) Illnesses and/or trigger of a latent predisposition to a disease, even if the illness has arisen or worsened as a result of an accident or the consequences thereof provided the main cause is illness or predisposition to a disease. g) Conditions such as hernia, lumbago, sciatica, slipped disc, rupture of muscles and tendons, straining, spraining and dislocation as these are not considered to be accidents unless they are caused by a sudden event. h) Consequences of accidents of which the main reason is attributable to medical or chiropractic treatment which is not necessitated by an accident covered by the insurance. i) Situations provoked by the insured (see also General insurance conditions ). j) Injuries sustained by the insured occurring during participation, training or practice in special sports and leisure activities. (See for list of pursuits, sports and leisure activities which are not covered). However participation in events held by company and staff associations are covered (eg team building etc) if these are held under the guidance of an expert instructor Compensation in the event of death a) If an accident is the direct cause of the death of the insured within twelve months of the accident, a fixed sum of DKK 1,000,000 will be paid. b) If compensation has been paid for permanent disablement in connection with the same accident, this amount will be deducted from the insurance sum in the event of death. c) Unless If Skadeforsikring has been notified to the contrary, the insurance sum will be paid to the deceased s immediate relatives (see ) or where none of the said exist to the issue of the deceased, or where there is no issue, to the heirs of the deceased according to a will or according to the Danish Inheritance Act. d) If there are neither heirs nor beneficiaries, a sum of DKK 20,000 will be paid. e) In the event of death of persons under 18 years of age, a sum of DKK 20,000 will be paid to the person or persons who have custody of the child in question. Compensation to minors will be paid in accordance with the Danish rules on funds of persons of incompetence Compensation in the event of permanent disablement a) If a covered accident has caused a degree of permanent disablement of a minimum of 5%, a compensation for disablement will be paid to the insured. The degree of permanent disablement for consequences of the same accident cannot collectively exceed 100%. b) Compensation will be fixed as soon as the final consequences of the accident can be determined or when there is an unchanged situation and health measures have ceased, however no later than three years after the accident. c) The degree of permanent disablement will be determined on the basis of the medical nature and scope of the injury, from medical information and records, and according to the permanent injury rating list of the National Board of Industrial Injuries in Denmark at the time of the injury. The permanent injury rating list (in Danish only) can be seen at d) If the degree of permanent disablement cannot be directly determined according to the permanent injury rating list of the National Board of Industrial Injuries in Denmark, the degree of permanent disablement will be determined according to the extent of the physical functional impairment. e) The determination will not take into account the occupation of or other individual circumstances of the insured. 16

17 f) Compensation for permanent disablement will not be paid for any disablement which existed prior to the accident. Therefore an existing disablement cannot result in the determination of a degree of permanent disablement which is higher than if such a disablement had not existed. g) If the insured is legally incompetent, the compensation for permanent disablement will be paid according to the following rules: In the event of a degree of permanent disablement of 30% or more, 10% of the compensation will accrue to the guardian. The remainder of the compensation will accrue to the legally incompetent person and be deposited according to the Danish rules on depositing of funds of persons of incompetence. In the event of a degree of permanent disablement of less than 30%, the compensation will accrue to the guardian Limitations In the following cases the insurance will cover half of the insurance sum in force: a) The insured has reached the age of 70 at the time of the claim event. b) The accident happens to a person aged under 25 who at the time of the accident was the driver of a motorcycle, EU moped or scooter Arbitration If so requested by one of the parties, the final determination of the degree of permanent disablement will be determined by the National Board of Industrial Injuries in Denmark, the decision of which is binding on the parties. The party requesting that the issue regarding the degree of permanent disablement be submitted to the National Board of Industrial Injuries in Denmark will pay any fee incurred. If the decision is changed in favour of the insured, the full costs will be borne by If Skadeforsikring Duty of disclosure a) If an accident occurs If Skadeforsikring must be notified as soon as possible. A special form which is available from If Skadeforsikring must be submitted. b) If an accident has resulted in death, SOS International a/s or If Skadeforsikring must be notified within 48 hours. c) If the time limit for reporting a death is exceeded, the right to compensation may lapse. d) Injured persons must be under necessary treatment by a doctor and/or a dentist and must comply with their instructions. As soon as the treatment has been completed, or the permanent consequences of the injury can be ascertained, the insured must contact If Skadeforsikring If Skadeforsikring is entitled to: obtain information from any doctor, dentist or other similar professionals who are treating or have treated the injured person; have the injured person examined by a doctor or a dentist; demand a post-mortem examination in the event of death. The cost incurred in obtaining medical certificates will be paid by the insurance company Reopening a) If so requested by the insured, a closed case can be reopened if unforeseen changes in the health status of the injured person occur to the effect that the degree of permanent disablement of the injured person must be considered to be substantially higher than first assumed. b) Reopening requires medical documentation that the health status of the insured has worsened as a consequence of the accident. c) Costs of procuring such medical documentation will be paid by the insured. Should If Skadeforsikring decide to reopen the case, the costs of procuring medical documentation will be reimbursed by If Skadeforsikring. The insurance does not provide cover for consequences, including worsening of consequences arising later than five years after the accident occurred Termination of cover due to age The insurance cover for an insured person will cease when the insured person reaches the age of Time-barring in the event of late notification The Danish Insurance Contracts Act and the ordinary rules on time-barring apply unless otherwise provided for Time-barring in the event of rejection In the event that If Skadeforsikring has refused to pay compensation, the claim of the insured will lapse unless the insured within six months after receiving notification of the rejection brings the case before the Danish Insurance Complaints Board, the National Board of Industrial Injuries in Denmark or the Danish courts. The time-limit will not 17

18 commence until the time when the insured has received such written notification from If Skadeforsikring. The notification includes information on when the time-limit expires, how the time-limit is suspended, and the effect where the time-limit is not suspended. 25. CANCELLATION Sum insured: DKK 60,000 per Sydbank MasterCard Business Platinum per claim Insurance cover The part of the price of the trip for which the travel organizer can demand payment if the insured/an accompanying immediate relative (see ) is unable to commence his trip as a result of the following: a) The death or sudden serious illness or injury of the insured or immediate relatives of the insured (see ). If the sudden serious illness or injury does not require hospitalization, the insured must be able to provide a medical assessment advising against travel stating that it may aggravate the illness/injury considerably or otherwise seriously harm the health status of the person in question, or stating that the general condition of the person in question is such that it is inadvisable to travel. b) Fire, flood or burglary in the private home of the insured or the insured s own company immediately prior to departure provided a police report has been written. c) Fraudulent acts committed by an employee in the insured s own company in the county of domicile immediately prior to departure provided a police report has been written. d) A strike in contravention of the collective agreement in the insured s own company occurring immediately prior to departure. e) That the insured is included by a strike and therefore, according to the collective agreement, not allowed to take a holiday, cf section 13(3) of the Danish Holidays Act. f) That the attendance of the insured at a court of law as a witness or for jury service is necessary and where postponement has been sought and denied by the court Exclusions a) If the illness or the injury causing the cancellation existed prior to the booking/payment of the trip. b) Any claims covered by another insurance. The coverage of this insurance is secondary in relation to any insurance taken out with a travel agency Limitations It is a condition for compensation that the insured from the attending doctor in the country of domicile procures a doctor s report including a diagnosis, and makes available all relevant medical records, including information on previous medical conditions if so requested by the medical consultant of SOS International a/s Making a claim The insured is obliged to provide SOS International a/s with all information which can shed light on the matter and is under an obligation to fill in a claim form and provide relevant documents, including medical records and certificates, doctor s reports, original receipts for expenses for which a refund is requested, and provide information on any insurance coverage with another company. 26. REPLACEMENT TRIP Coverage is provided during holiday trips worldwide Sum insured: DKK 20,000 per person, however a maximum of DKK 60,000 per Sydbank MasterCard Business Platinum per claim Covered persons The insurance covers the following groups of persons on holiday trips: a) The insured himself. b) Parents travelling with their own children up to and including the age of 23. If one or more family members are entitled to a replacement trip, see a), 1-4, the insurance will cover a replacement trip for the whole family. c) The insured and up to two travel companions whose names are stated on the same invoice/travel certificate as the insured, or who can provide documentation of having bought a trip in order to travel together with the insured Insurance cover a) A new trip for the insured and the household of the insured travelling together with him or up to two co-insured travel companions if the trip which the insured has commenced is ruined due to: 18

19 1. the hospitalization of the insured for more than half of the planned travel period for which the insured can provide documentation due to emergency illness or injury. The period is calculated from the first registered consultation with a doctor; 2. ambulance transportation or home transportation of the insured by SOS International a/s or the National Health Insurance Scheme as a consequence of the insured s illness or injury occurring during the first half of the planned travel period for which documentation is provided; 3. the attending doctor abroad having ordered the insured to remain in bed or to remain indoors in the holiday accommodation for more than half of the planned travel period for which documentation is provided due to emergency illness or injury. The period is calculated from the first registered consultation with a doctor; 4. the insured travelling home during the first half of the planned travel period for which documentation is provided as a consequence of a covered Curtailment ; b) The insurance covers the travel and accommodation expenses of the persons eligible for compensation. Compensation is calculated as follows: 1. The insurance covers the amount which has been paid by the persons eligible for compensation for round trip transportation from the home country to the destination, as well as rent of holiday accommodation, provided that these expenses have been paid before the claim event occurred, can be substantiated and are non-refundable 2. If the insured has gone on holiday by car, the insurance will cover expenses for transportation to and from the holiday destination by the shortest route of a maximum of DKK 1 per km. If not all car passengers are eligible for a replacement trip, the expenses will be distributed proportionately Exclusions a) A replacement trip under Sydbank MasterCard Business Platinum where the purpose of the trip is business. b) Compensation in connection with lost holiday purpose. c) A replacement trip in the event of injuries resulting in ruptures (fractures), ligament injuries or similar injuries unless the injury has resulted in hospitalization or confinement indoors prescribed by a doctor for more than half of the planned travel period for which documentation is provided. d) Costs of visas and/or insurance policies Limitations a) The claim must be covered by the insurance or the National Health Insurance Scheme. b) The insured must provide a doctor s report from the attending doctor abroad. The doctor s report must include a diagnosis and state the period of illness/indoor confinement. c) In cases of doubt or where there is insufficient documentation from the doctor abroad the decision will be made by the medical consultants of SOS International a/s/if Skadeforsikring who will assess on the basis of the diagnosis whether the insured is eligible for a replacement trip. d) For the groups of persons, see 26.2., compensation will be provided for the same period as for the insured. 27. REPLACEMENT CAR The insurance covers expenses for a replacement car if the insured s own car (see 44.3.) is damaged, stolen or incurs mechanical damage abroad and as a result the trip cannot be continued Sum insured Car rental expenses of up to DKK 1,500 per day for a maximum of thirty days for each damage (see also 27.3.) Excess The first DKK 2,000 will be paid by the insured Insurance cover a) The renting of a car of a similar size as the damaged/stolen car in order to continue the commenced trip. b) A replacement car until the insured s own car (see 44.3.) has been returned from abroad and repaired or a new car has been bought. c) Unforeseen accommodation of up to DKK 2,500 per day for up to three days, however not exceeding DKK 7,500 per car, according to prior agreement with SOS International a/s. 19

20 27.4. Exclusions a) Expenses relating to the following replacement cars: lorries, trucks, vans, vehicles with four-wheel drive, auto campers, caravans, offroad/semi-offroad vehicles and other pleasure vehicles, trailers, motorcycles, vintage cars, limousines, cars with a gross permitted weight of more than 3500kg and all kinds of attached trailers and the like. b) Any expenses relating to the home transportation of the attached trailer, baggage/cargo boxes, baskets etc, rent of child seat. c) All kinds of vehicles registered for the first time in the country of domicile ten years prior to the date of damage. d) Defects of and damage to the vehicle or equipment which does not impair the road safety of the vehicle. e) Expenses for fuel, ferries, bridges, road tolls, fines and similar expenses Limitations a) It is a condition for cover that: 1. the insured takes part in the trip and has a valid driving licence and that the immediate relatives of the insured (see ) are co-insured on the same terms as the insured to the extent that the trip is made together with the insured; 2. the event takes place outside the country of domicile; 3. the car cannot be repaired, is not found in/brought to a road-safe condition within 24 hours. In the event of a longer repair time, the insured can instead have additional expenses for unforeseen accommodation and meals covered while the car is being repaired (see c) for maximum cover). b) Age limit: the driver of the replacement car must be aged between 23 and 74. c) The insurance covers within the geographical area of Europe (see 44.7.). 28. EXTENSION OF COMPREHENSIVE MOTOR INSURANCE ON RENTAL CAR ABROAD Sum insured: Up to DKK 300,000 per claim Excess of DKK 2,000 In the event of a combined claim regarding Extension of comprehensive motor insurance on rental car abroad and Cover of excess on car rental abroad, the excess cannot exceed DKK 2, Insurance cover a) If, in the standard comprehensive motor insurance for the rental vehicle, there are reservations regarding claims that are not covered, eg ruined tyres, undercarriage and the like, the insurance will provide cover. b) The actual damage up to the actual cash value of the rental car at the time of renting, however a maximum of DKK 300,000. c) Reasonable and necessary haulage costs to the nearest auto repair shop imposed by the car rental company as a result of a covered claim. d) Reasonable and ordinary operating loss/out-of-service costs incurred by the car rental company which are substantiated by means of the car rental agreement records of the car rental company and imposed on the insured by the car rental company in the rental agreement for the actual period during which the car is undergoing repairs. e) Decrease in the value of the rental car as a consequence of a covered claim if this has been imposed on the insured in the car rental agreement Exclusions a) Damage arising exclusively in and limited to the mechanical parts of the car (eg engine, gearbox and steering) unless the damage occurred during a fire, explosion, short-circuiting, strike of lightning, theft, vandalism or during transportation on or by means of another car. b) Damage due to faulty manufacture or faulty design, rust, corrosion, frost, scratches in paint and the like. c) Damage which cannot be directly proved to have occurred during the time when the rental car was rented to the cardholder. d) Damage as a consequence of driving without water and oil, or where the insured or another authorized driver is in violation of the car rental agreement, and damage caused by a driver without a valid driving licence. 20