MARCO POLO INSURANCE INTRODUCTION

Transcription

1 MARCO POLO INSURANCE INTRODUCTION With AVI International, you are covered by one of the most comprehensive youth travel insurance programs available today. Table of contents Definitions Medical/Accident Coverage Emergency Dental Coverage Medical Evacuation Coverage Transportation Expenses Coverage Accidental Death Compensation Accidental Disability Compensation Disfigurement Compensation Baggage and Personal Effects Coverage Third Party Liability Coverage Legal Expenses Force Majeure Your Insurance Professionals DEFINITION OF TERMS Accident/Injury: The terms "injury/accident" wherever used in this policy mean bodily injury caused solely and directly by accidental, external, and visible means occurring while this policy is in force and resulting directly and independently of all other causes in a loss covered by this policy. Emergency help If you need emergency assistance in case of: - hospitalization - emergency transport of a parent - medical evacuation - emergency return home - important medical expenses (above 100), you MUST contact the Emergency center for approval and payment procedures. The Emergency Center is available 24/7. Insurance beneficiary: The person who subscribed to the policy and has paid the insurance premium. I.D. card In addition to the general conditions, you have received your AVI International insurance I.D. card. This card identifies you as an insured person.

2 Keep this card with you at all times. You may need it for doctors, hospitals and others who require proof of insurance before providing services. Pre-existing conditions: Pre-existing conditions are not covered under the policy. A preexisting condition means an illness, injury or medical condition, whether or not diagnosed by a physician: a) for which the insured exhibited signs or symptoms prior to the effective date; or b) for which the insured required or received medical consultation prior to the effective date; or c) which existed prior to the effective date. This includes a medically recognized complication or recurrence of a medical condition. Are considered as treatment the following: follow-up exams, investigation, prescription of medication, change of type or change of dosage of medication and in general all medical and laboratory exams, x-rays, etc. related to that condition. Start of coverage and Period of coverage: When an application has been made and the premium has been paid for a specific plan of insurance, the period of coverage begins on the latest of the date and time: a) indicated as the effective date on the insurance card; or b) when the insured departs from his/her country of residence. Claims processing: In case of illness or accident, please file your claim within 5 daysyou have 5 days using the claim form available online. As a beneficiary of the policy, it is your responsibility to do so. All claims with the pertaining original documents should be sent to the Claims Office bellow: AVI International rue Washington PARIS - FRANCE - Fax : Tél : + 33 (0) (no collect call) claims@avi-international.com In filing your claim, you agree to release all information which the insurance company may require as necessary to process your claim. Whatever the compensation, you accept to release all information required by the insurance company. Waiting period: If your initial subscription or your coverage extension is late or done from your host country, the conséquences of an illness contracted during the first 15 days are not covered. Extensions should be done at least 5 days before the "termination date". Coverage extension dates: To extend your coverage, please mail us the extension form attached to your Personal Insurance Card together with the corresponding payment by cheque 14 days before the end of your insurance coverage. You can also inform us by , fax or extend on-line at and pay by

3 credit card. Waiver period in case of mailing order: For any travel insurance contract initiated for a length exceeding 1 month, the subscriber has the ability to cancel his/her contract by sending a request by registered mail, within 14 full calendar days from the day of receipt of the insurance certificate, without having to give a reason for the cancelation nor to pay any penalty. The cancelation letter together with the original insurance certificate must be sent to AVI International rue Washington Paris, France, as per the following example: I, undersigned, declare to cancel my insurance contract (state reference). Thank you for reimbursing me the full amounts received into my account of, within a maximum of 30 days from receipt of the letter. Date and signature. Such cancelation results in restitution to the subscriber of all amounts paid in a maximum of thirty calendar days upon receipt of the letter by registered mail. Subrogation right of insurance companies The insurance companies underwriting this contract, in accordance with the terms of article L of the insurance code, are subrogated to the amount of the costs or services which they provided to the insured if those costs or services are the result of another person's negligence. This means that the insurance companies retain the right to take legal actions against the party causing you the damage or injury, be it a friend or your host family. If you deny this right to the insurance carriers underwriting this contract, you deny yourself the right to compensation for the particular claim leading to the subrogation right. If the insurance companies have already paid providers fees on your behalf, these will have to be reimbursed by you to the insurance companies or their legal representative / counsel. This will have no effect on other coverages of the contract which will still be considered valid. In case of false or fraudulent statement, the policy shall be void. End of coverage: Coverage ends on the earliest of the date and time: a) if the insured is terminated from the program he is insured with b) the insured returns to his country of residence; or c) indicated as the termination date on the confirmation of coverage. Coverage will be automatically extended for up to 7 days and invoiced if the insured is hospitalized due to a covered illness or accident on or before the termination date. The coverage can be renewed in agreement with the Emergency Center physician. Your premium is global. In case of early return, is can not be reimbursed "prorata temporis". Deductible : A deductible is an amount left to your own charge. A deductible may be applied on any coverage medical or dental expenses. Claims processing: A separate claim form must be submitted for each illness or injury. Every time you file a claim, there is no limit to the number of invoices with can be included in that claim, as long as they are all sent in together and pertain to one illness or injury. This means that you should consolidate your bills, invoices and prescriptions for each illness or injury. Disability : For the purpose of this agreement, the term "disability" shall mean that following an accident, you

4 do not recover permanent and total use of bodily functions. Failure to observe obligations: It is an obligation of the insured to let the Insurance Company, the Claims Office or the Emergency Center know of a loss as soon as the insured himself is made aware of that damage. If this obligation is not fulfilled, the insured might be held liable if failure to observe this obligation has an influence on the settlement of the claim. In case of false or fraudulent statement, the policy shall be void.we recommend that you file your claim within 5 days of its occurence. Illness: The term "illness" wherever used in this policy shall mean unexpected sickness or disease of any kind contracted and commencing after the effective date of this policy which causes a "loss" covered by this policy. Physician: a person other than the insured, who is legally qualified and licensed to practice medicine or perform surgery in the location where the services are performed, and is not related to the insured by blood or marriage. Exclusions include but are not limited to acupuncture, massage therapy, herbal therapy, etc. Family member : Refers to the insured's spouse or common law partner, sisters or brothers, mother or father. Emergency center: This office is operated 7 days /week, 24 hours /day and employs a multilingual staff. They are there to assist in case of hospitalization or emergencies that may require return of the participant to his /her country of residence. Prescription: This policy is subject to a time limitation of 2 years for claims processing and payment (articles L.114 et L du Code des Assurances). You have 24 months to send your claim fron the date your illness was diagnosed, the date of your accident leading to injury/disability or the date your actions led to damage to another person/property. No reimbursement will be paid to you by the Insurance Company nor reimbursement to another party for damage after this 24 months period. Extension: To extend your coverage, please go to where you will be able to pay by credit card. Medical providers network/ Doctor visits/ Guarantee of payment This service is available only in the USA. Please visit our website to find our nearest participating medical provider. We strongly recommend you call the Emergency Center so it can guarantee payment to your medical provider (provided care is covered under our policy) and to check our coverage limit. Remember you should always have your insurance card with you when seeking for medical care. Emergency dental treatment :

5 Shall mean to alleviate pain related to an infection of the gum or tooth, and contracted and commencing after the effective date of the participant's arrival in the host country and necessitating an emergency treatment to alleviate the pain. Territory : Worldwide and according to the contract subscribed, except the participant's usual country of residence. Emergency: The term "emergency" means a sudden, unforeseen sickness or injury occurring during the period of coverage, which requires immediate intervention by a physician or legally licensed dentist and cannot reasonably be delayed. An emergency is deemed to no longer exist when medical evidence indicates that you are able to continue your stay or return to your country of residence. GENERAL EXCLUSIONS COMMON TO ALL COVERAGE Claims resulting from the occurrence of the following events are always excluded from the contractual insurance coverage: Accidents caused intentionally by the Insured or the Beneficiary of the contract. The consequences of the successful or attempted suicide of the Insured. The consumption of narcotics, drugs, analogous substances and medication not prescribed by a medical authority, and its consequences. The consequences of the Insured being under the influence of alcohol characterised by the presence in the blood of a level of pure alcohol equal to or greater than the level defined by French law covering driving. Nervous or mental disorders unless otherwise mentioned in this contract. Are also excluded Accidents that occur in the following circumstances: When the Insured practises a professional sport, practises or takes part in an amateur race requiring the use of a motorised land, sea or air machine. When the Insured uses a ULM, hang glider, sail wing, parachute or paraglider either as the pilot or as a passenger (unless the High Risk Sport coverage has been subscribed to). When the Insured participates in brawls (except in cases of self-defence), crimes, and bets of all kinds. The consequences and/or events resulting from Civil war, Foreign war, riots, popular uprisings, strikes, acts of piracy, acts of terrorism, the effects of any radioactive source, epidemics, pollution, weather events, and natural disasters except within the framework of the legislation covering the compensation of victims of Natural disasters defined by the French Act of 13/07/1986. Are always excluded from the insurance coverage any Trip to or from, or carried out inside or across the following countries: Afghanistan, Crimea, Cuba, Liberia or Sudan. Are always excluded from the insurance coverage any Insured or Beneficiary of which the name is contained in any official, government or police database of known or suspected terrorists, any Insured or Beneficiary who is a member of a terrorist organisation, a drug dealer, involved as a supplier in the illegal trade of nuclear, chemical or biological weapons.

6 EXCLUSIONS SPECIFIC TO SPORTS AND LEISURES PLUS OPTIONAL COVERAGE: Once payment for this extra coverage has been received, this option extends your coverage to medical expenses due to: Sports and Leisures: an accident you have suffered due to the use of twowheeled motor vehicle, high risks sports (surfing, rafting, climbing, kitesurfing, hanggliding, paragliding, jetskiing, snowboarding, ski-do, quad, scuba diving down to 45 meters), manual labor (cooking and restaurant work, farm work, fruit-picking and wwoofing), work experience and laboratory internship (labor accident). MEDICAL / ACCIDENT COVERAGE Deductible : no deductible will be applied on any type of coverage. Sport accident In case of accident while practising a sport in a club, this coverage is secondary to your club insurance policy. In the case your club cannot provide accident insurance, coverage can be purchased from AVI International through your sponsoring organization at an extra charge. In case of accident within the scope of a manual activity, you will only be covered if you subscribed the optional coverage Sports and Leisures Plus. Work accident In case of accident at work, this coverage is secondary to the employer's work compensation. Car accident Note that AVI International provides coverage only in excess of any other auto insurance coverage available to pay medical care for the insured. This means that the claim will have to be submitted first to the auto insurance company(ies) of all drivers involved in the accident. To submit the claim for payment of the excess, the insured must provide a police report and written proof from the concerned auto insurance company that all benefits have been paid, no matter what coverage is used: medical care, uninsured motorist, etc. or that no coverage is available. Also, in filing a claim you agree to release all information which the insurance company requires. Only original invoices will be considered proof of rendered services. In no case will this travel insurance cover the vehicle you use, nos the material or personal consequences of an accident you would be responsible for. Note : Claims and subrogation As stated previously, it is an obligation of the insured to let the Insurance Company, the Claims Office or the Emergency Center know of a loss as soon as the insured himself is made aware of that damage. The subrogation right of insurance companies may apply (see definition).

7 1. COST OF CARE DUE TO ILLNESS OR ACCIDENT For the cost of care, the insurance company will reimburse the following expenses up to the limits of the policy coverage. Europe : Other countries : Senior : whatever the destination. Reasonable cost of medical care and treatment and hospitalization that is necessary to incur outside of the insured s country of residence. There is no daily maximum for in-patient medical care or hospitalization. If the Emergency Center believes that it is necessary and safe to do so, at any time, the Emergency Center may: A. move the insured from one hospital to another, and/or B. return the insured to his/her home in his/her country of residence or move the insured to the most suitable hospital in his/her country of residence Prescriptions and medical supplies as prescribed by a physician. Chiropractic/physiotherapy treatments are covered only subsequent to the date the participant has been referred to treatment by a physician who is not himself a chiropractor/physiotherapist. Local emergency transportation to a hospital via ambulance. Services of a private nurse not related to the insured by blood or marriage. All medical care prescribed by a physician is covered. You must provide original proof of your expenses: invoices, prescriptions, receipts, doctor's invoices. It concerns expenses for medical treatments necessary to cure an unforeseen illness or accidental injuries occured during your stay abroad. Within the European Community, you should carry your European medical insurance card provided by your social security. Here are the member states of the European Union: GERMANY, AUSTRIA, BELGIUM, BULGARIA, CYPRUS, CROATIA, DENMARK, SPAIN, ESTONIA, FINLAND, FRANCE, GREECE, HUNGARY, IRELAND, ITALY, LATVIA, LITHUANIA, LUXEMBOURG, MALTED, NETHERLANDS, POLAND, PORTUGAL, CZECH REPUBLIC, ROMANIA, UNITED KINGDOM, SLOVAKIA, SLOVENIA, SWEDEN. Please note that, consequences of a condition previous to your subscription or of an intentional act from the insured cannot be insured. Medical expenses in France after medical repatriation After medical repatriation due to an ACCIDENT and in order to limit possible functional aftereffects, the insured benefits from a coverage(care) of medical expenses, in France, country of usual residence, during 31 days. The coverage of medical expenses depends on the injuries and expenses engaged abroad, therefore the insured MUST secure prior agreement from the Emergency Center. If he/she benefits from Social Security, we will act secondary to social security up to 1500 euros. If he/she does not benefit from Social Security, we will cover medical expenses up to 1500 euros

8 and according to the social security scheme. As a non social security beneficiary, it is the OBLIGATION of the insured to subscribe to social security upon repatriation home. 2. NON EMERGENCY SURGERY / ELECTIVE SURGERY Due to differences in medical cultures/procedures among the medical profession worldwide and to make this travel insurance plan easy to understand by the insured and easy to implement worldwide, the following has been decided: Knee surgery is not covered. Only the cost of a round trip ticket will be paid for. Surgery that is not PRESCRIBED by the attending physician AND which is not PERFORMED by the attending surgeon within 10 days of the accident or the diagnosis of the sickness or the diagnosis revision of the accident, is NOT considered an emergency and is NOT covered. A second opinion will be sought if either party (insured or insurance company) is not in agreement with the initial diagnosis. If the surgery is necessary for the insured to carry out his/her normal activities but not a medical emergency, the insurance company retains the right to return the participant to the country of residence for surgical procedures and for all necessary rehabilitation procedures. In such a case, the insurance company will be responsible for all related transportation costs, including the return flight to the host country upon the participant s recovery. The return flight should be used within 3 months and within the program. If the insured refuses to be evacuated when declared medically fit to travel, any continuing costs incurred after such refusal will be covered up to the cost of an economy flight ticket to the insured country of residence and the payment of above costs becomes the insured s sole responsibility. 3. ASSAULT BENEFIT Assault is considered an accident. Therefore, an assault related claim will be compensated under the Medical/Accident coverage, as well as, if necessary, under the Disability coverage. Exclusions under the Medical/Accident coverage do apply. 4. HOSPITALIZATION Injured or sick, you will be hospitalized without any advance payment. Contact the Emergency Center, it will contact its local representant, for a complete 100% guarantee of payment of your hospital expenses, if coverage is confirmed. Europe : Other countries : Senior : whatever the destination. Social security and private health insurance: Social security contributions are high and give you a right to specific compensations. As provided by the law, the insurance for your medical expenses takes into account compensations paid by social security and private health insurance. However for expenses under 750 no extra paperwork will be requested. If your medical expenses exceed 750 you will recezive the bills and invoices to be sent out to your social security, if applicable. As soon as you receive compensation from social security, based on the Frenche scheme, you will have to repay such compensation. If you no longer benefit from social security, we will request a non-affiliate certificate or refusal of coverage letter.

9 5. EMERGENCY DENTAL COVERAGE Emergency dental treatment (see definition) Coverage will be provided for the alleviation of pain related to an infection of the gum or tooth, and contracted and commencing after the effective date of the participant's arrival in the host country and necessitating an emergency treatment. Note : all dental claims MUST include an x-ray of the concerned tooth/gum. X- rays will be reimbursed at the customary cost charged in the area the dentist provided the dental care. The cost of initial emergency examination relating to the above to alleviate pain is covered. Exclusions: No coverage is provided for claims submitted without the mandatory x-ray film, for routine dental examination, pre-existing conditions including caries/cavities, restorative work, orthodontics, dental equipment, crown build-up, crowns, reconstructive work or all other treatments unrelated to pain alleviation. Dental care necessitated by an accident (see definition) Coverage as a result from anaccident is provided up to 500 per tooth. Special orthodontics coverage has been provided for dental treatment resulting from an accident up to 500 per tooth. Such treatment may be performed following your return home if a medical expert determines that treatment could not be performed immediately due to your condition or age. In such a case, AVI will be secondary to any Health Plan you may benefit from. Exclusions: Broken or chipped teeth, loosened or lost fillings/amalgams while eating, chewing and biting, are not at any time considered an accident or a result of an accident under the terms of this policy. EXCLUSIONS AND LIMITATIONS OF THE MEDICAL COVERAGE Treatment due to a chronic illness diagnosed after the effective date of coverage is limited to 10 sessions or US$500.00/ 350,00. Any medical expenses incurred more than 12 months after the date of injury, or in the case of illness, after the date on which medical expenses were first incurred. Treatment or services provided by any convalescent or nursing home, rehabilitation centre or health spa. Treatment or services provided by any acupuncturist, massage therapist, herbalist, etc. Surgery, medical treatment which can be delayed in theopinion of the doctor treating you until you return to your country of residence at the end of your travel. Any costs incurred following your decision not to move hospital or return to your country of residence after the date when, in the opinion of the emergency center s doctor, you should do so. Any hospitalization, surgery and subsequent treatment, in-patient investigation NOT approved by the emergency center. Preventive or routine medical, dental and eye examinations.

10 Physical examination for sports. Vaccinations and immunizations (eg. school required TB shots, x-rays) as well as their consequences. Medications not prescribed by a physician. Dental crowns and orthodontics (non-accident related), eye glasses, contact lenses and artificial limbs/prothesis. Acne (unless treated with antibiotics). Medical treatment for primarily cosmetic reasons (e.g. removal of warts, scars, moles, etc). Cost of treatment related to birth control, pregnancy, abortion, childbirth or illness related to pregnancy. Treatments related to epilepsy, hepatitis C, HIV, AIDS or sexually transmitted disease. Treatments related to eating disorders such as but not limited to anorexia, bulimia, etc. Use of sedatives. Use of illegal substances such as narcotics or assimilated drugs not prescribed by a physician. Alcohol intoxication and/or abuse. Medical care and/or evacuations for pre-existing conditions/illness defined as: 1) treatment prescribed by a physician in the insured's home country as well as treatment stemming from a prior illness or accident (see definition). 2) treatment due to a chronic medical or mental illness previously known or unknown to the insured as well as their consequences. Congenital illness such as but not limited to pilonidal cysts. Ingrown toenails, corns, warts... Chiropractic treatment, physical therapy, psychological or psychiatric counseling/evaluation if not previously referred by M.D. Cost of travel related to illness resulting from the above listed exclusions. EXCLUSIONS AND LIMITATIONS OF THE ACCIDENT COVERAGE Consequences of the above excluded illnesses which could lead to an accident. Any hospitalization, surgery and subsequent treatment, in-patient investigation NOT approved by the emergency center. Dental crowns and orthodontics (non-accident related), eye glasses, contact lenses and artificial limbs. Injuries resulting from participation in team sports not supervised by high school, college or university coaches or community group coaches or authorities. Activities that are engaged in for recreational, entertainment, or fitness purposes are covered. Sports competitions not organized, supervised or officially scheduled by your high school, college or university. Injuries incurred as a driver of any motorized vehicle except while

11 participating in a professional or school supervised automobile driver's training program. Competitions or trials in motor vehicles even with recreational vehicles. Injuries incurred as a driver or passenger of a motorcycle or a recreational vehicle (except with one of the Sports and Leisures options). Plane accidents while a crew member (Passengers on the flight who are not part of the flight crew are covered for accidental injury). Accidents or injuries resulting from participation in highrisk or violent sports such as but not limited to: scuba diving, horse jumping, hang gliding, skiing or snow boarding outside maintained trails or slopes of ski resorts, mountaineering, hunting, use of firearms or air/spring powered guns, parachuting, ice hockey, boxing and martial arts, wave running, bungie-cord jumping, etc. (except if you chose one of the Sports and Leisures options). Injuries resulting from initiation by the insured of a criminal/illegal act or act of violence. Self-inflicted injuries. Suicide or attempted suicide. Cost of travel related to accidents resulting from the above listed exclusions. Consequences of acts of war. SPORTS AND LEISURE PLUS OPTIONAL COVERAGE: Once payment for this extra coverage has been received, your coverage is extended to Sports and Leisures stated in the exclusions. Such special extension is mentioned on you insurance card. Are then covered medical expenses due to an accident you have suffered during the use of two-wheeled motor vehicle, high risks sports (surfing, rafting, climbing, down to 45 meters, kitesurfing, deltaplane, paragliding, jetskiing, snowboarding, quad), manual labor (waitering, cooking, fruit-picking, wwoofing, work experience and laboratory internship (labor accident. Are never covered: competitions, training for competitions, record attempts, nor your civil liability for damages caused to third parties during the activites above mentioned. MEDICAL EVACUATION COVERAGE IMPORTANT: You MUST secure prior agreement from the Emergency Center for such travel in order to receive compensation. The Emergency Center is used to working with airlines and may be able to find a seat for a family member even when planes are fully booked. Any refund directly from the airline due to the emergency nature of the trip will be deducted from the claim payment or if no refund is granted by the transportation company, the original transportation ticket will have to be remitted to the insurance company or to the Emergency Center. Obligation : The emergency center must always be contacted.

12 Its agreement is required. Failure to call the emergency center will lead to reimbursement denial for a ticket bought without prior agreement (or any other travel expense). Persons travelling with you and stated on your insurance card will also be repatriated, if they can not use their return ticket. Can not lead to medical evacuation: light infections that can be treated in the host country, poor adaptability to your trip. The insurance company will reimburse or pay directly the costs of: Medical evacuation to home country due to acute illness or accidental injury when the insured is deemed fit to fly. The means of transportation, necessity and schedule of evacuation will be decided exclusively on medical and technical grounds by the Emergency Center physician in order to avoid any dispute between medical authorities. AVI International reserves the right to determine if a medical evacuation is appropriate for those illnesses or injuries which can be treated in the host country. Transportation due to an early or delayed return to your home country due to a treatment in the host country whenever your original return ticket cannot be used. Repatriation of remains to the home country due to a covered illness or accident. TRANSPORTATION EXPENSES COVERAGE Right of visit of a parent: Transportation of one (1) family member from the home country, if the insured's hospitalization is planned to last more than five (5) days. Maximum 2, including cost of lodging. Cost of lodging for those visiting insured while hospitalized. Maximum for one person: per day up to 525. As with all travel claims, the insured MUST contact the Emergency Center to make specific arrangements for the return home. Failure to call the emergency center will lead to reimbursement denial for a ticket bought without prior agreement (or any other travel expenses). If your original ticket cannot be used, the insurance company will reimburse or directly pay the cost of your return home due to an accidental death, life-threatening accident or life-threatening illness of the mother/father, the de facto or de jure spouse or of a sibling, a brother or sister, diagnosed after your arrival in the host country. This special ticket home must be used within a week after the death, except extensions granted by the emergency center. SEARCH AND RESCUE EXPENSES: 2000 Search and rescue expenses by any means in case of an accident on a ski trail or on land, water, sea or mountains are covered up to EXLUSIONS OT THE TRANSPORTATION COVERAGE NOTA : Assistance is not guaranteed in countries at war, nor in those where freedom of movement is restricted, which prevent emergency interventions. The transportation exclusions of this travel insurance policy include but are not

13 limited to the following: Participant: - Cost of travel related to all of the above exclusions and conditions listed in Medical and Accident Exclusions. - Illnesses or injuries which can be treated in the host country. Participant's parents: - Cost of travel and lodging related to all of the above exclusions and conditions. ACCIDENTAL DEATH COMPENSATION Compensation for the accidental death of a participant will be paid to the participant's natural parents or to the parent who registered the participant to the stay or to the legal heirs. EXCLUSIONS OF THE ACCIDENTAL DEATH COMPENSATION: Compensation will not be paid in case of the insured's death, if the cause of death was an excluded illness, an excluded accident or an act of war or terrorism. Note: Claims and subrogation As stated previously, the right of subrogation of the insurance companies may apply (see definition). ACCIDENTAL DISABILITY COMPENSATION In case of a disability resulting from an accident, a medical expert will be appointed to determine the percentage of disability. The disability will be rated as partial or total disability. Total Disability compensation: MAXIMUM / SENIORS compensation Partial Disability compensation: 1% to 99%, from 150 to / MAXIMUM SENIORS compensation This compensation will be reduced by 25% if the victim is aged over 45. It will be reduced by 50% if the person injured is aged 60 maximum. Disability will be evaluated at the time of consolidation via a medical survey. Only the physiological consequences of the accident are examined in the survey. When a third party is responsible for the accident which led to your disability, the insurance company will advance disability payments to you. If there is no party involved in the accident leading to your disability, compensation will be paid directly to you by the insurance company. EXCLUSIONS OF THE ACCIDENTAL DISABILITY COMPENSATION: - Disability resulting from an illness. - Disability resulting from an excluded accident.

14 - Disability resulting from an act of war or terrorism DISFIGUREMENT COMPENSATION Unattractive scars are not considered a disability. They do not prevent you from working, eating, etc... but are a lasting result of an injury for which this policy provides a compensation of maximum (included in the Disability compensation). The amount of the disfigurement compensation will be determined according to the rating of a medical expert appointed by the insurance company. Disfigurement will be evaluated at the time of consolidation via a medical survey. EXCLUSIONS OF THE DISFIGUREMENT COMPENSATION: Disfigurement due to: - an excluded accident. - consequences of an illness. Subrogation As stated previously the subrogation right of the insurance companies may apply (see definition). BAGGAGE AND PERSONAL EFFECTS BENEFIT Your personal belongings are insured while traveling to and from your program and during your homestay when they are damaged or lost solely due to theft, robbery, assault, traffic accident or transportation company mishandling. IMPORTANT: When luggage/baggage damage or loss occurs due to transportation company's mishandling, the insurance company acts as a secondary insurance carrier. The primary coverage is provided by the transportation company. A claim must IMMEDIATELY be filed with the transportation company. The amount not reimbursed by the transportation company may then be directed to AVI International. Note : If the transportation company denies your claim based on the fact that you did not file a claim or that the claim was not filed in time, we will also deny your claim since we are secondary to the transportation company. Always take special care to protect your valuable property by locking it in a safe place when not in use. If a loss occurs during your homestay, you will be reimbursed if your host family's homeowners insurance carries a deductible or if your belongings are not covered under that policy. If you are en route or are staying at a campus dormitory or hotel, only fire or water damage is reimbursed, since the primary theft insurance is provided by the hotel or dormitory facility. In case of a robbery, you must report IMMEDIATELY the loss to the police, transportation company, hotel, etc, and provide a copy of this report to the AVI Claims Departement along with your request for reimbursement. Only an official theft/loss or police report will be accepted by the insurance companies. It is the participant's responsibility to submit a comprehensive police report. This is mandatory in order to process your claim. In filing a claim for property, you must also provide a detailed description of the property along

15 with its date of purchase and value. Bills, invoices or other proof of value are required. Stolen or damaged property will be valued allowing for wear and tear at the time of the loss. Maximum compensation per item is The insurance covers property which belongs to you, or has been borrowed by you for your personal use. This coverage also includes "theft prone" property such as jewelry, watches, cameras, MP3, borrowed bicycles, etc. They are covered up to a maximum of per item. IMPORTANT: Original proof of value is requested to process your claim. Property will be valued according to wear and tear. Only in case of an assault or theft will I.D. cards, drivers license, passport be reimbursed. Property not covered: Musical instruments, bicycles, weapons and hunting gear (even when borrowed), lost or abandoned property, glasses, contact lenses, artificial limbs/prothesis, all means of payment (check, credit card, coins, currencies), stamps, manuscripts, concert tickets, legal/professional documents, all transportation tickets, keys, cellular phones, etc. Also excluded are animals, motor-driven vehicles, boats, etc. EXCLUSIONS OF THE BAGGAGE AND PERSONAL EFFECTS BENEFIT if jewels are lost in the course of sports or if they are not worn. if the theft occurs from unlocked premises. if property is left anytime in a convertible, a tent or in a trailer. if property is visible in the interior of any car. if property is left from 10 p.m. to 7 a.m. in any car. if the car was not broken into. for normal wear and tear or due to atmospherical influences. for damage caused to moths and rodents. for damage due to unsuitable packing. for property confiscated by any authority. for loss of I.D. cards, drivers license, passport or local transportation tickets. for damage caused by carried liquids. for damage caused by accidental falls. due to negligence of the insured such as but not limited to bags left unattended in public areas (e.g. premises to which more than you have access). OTHER ASSISTANCE COVERAGE LEGAL BAIL If after an unintentional occurrence, the payment of a bail is required for your release, you will receive a repayable advance of You will have to pay it back within 1 month after your return home. CASH ADVANCE In case of theft of all your means of payment declared to local authorities, we may provide you

16 with a cash advance of maximum To receive such advance, we must: - receive an acknowledgement of debt from you, or - a check of the deposit check from a third party. In all cases, you will have to repay the amount advanced within 30 days of the advance. THIRD PARTY LIABILITY COVERAGE You may be held responsible for unintentional damage you cause to others or to others' property. In case of an accidental injury to another person or damage to its property, you could be liable for the following types of expenses: medical costs, lost earnings, pain & suffering, direct property damage, etc... You are covered for these types of expenses if you are found to be liable for the damage or injury. Note : In cases of damage to your host family's home, this coverage is secondary to your host family's home owner/tenant insurance policy. Your personal liability (private life) is covered for accidental and unintentional damage caused to third parties: Personal injuries up to Material damage due to an accident up to No deductible left to your charge. Damage caused to borrowed items up to It concerns movable items you you use. HOUSEHOLD CIVIL LIABILITY Your household civil liability is not covered. If you are renting a flat or house abroad, you must subscribe to a HOUSEHOLD insurance there. EXCLUSIONS OF THE THIRD PARTY LIABILITY Hunting or use of firearms or air / spring powered guns. Liability in connection with the use of illegal substances such as narcotics or assimilated drugs not prescribed by a physician. Alcohol intoxication and/or abuse. Liability in connection with the initiation, by the insured of a criminal/illegal act or act of violence. Liability in connection with the transmission of a contagious disease. Liability in connection with HIV, AIDS or sexually transmitted disease. Intentional acts. Liability in connection with the use, ownership or operation of horses and animals in general, motor driven vehicles, boats, planes, farm vehicles or recreational vehicles and gardening equipment. Liability during the course of full-time or part-time paid employment or in

17 any child care capacity such as but not limited to baby-sitting, etc... Liability in connection with activities such as but not limited to: scuba diving, horse jumping, hang gliding, skiing or snow boarding outside maintained trails or slopes of ski resorts, mountaineering, hunting, use of firearms or air/spring powered guns, parachuting, ice hockey, boxing and martial arts, sailing, wave running, surfing, bungie-cord jumping, archery, etc... Punitive damages granted to the victim by a local jurisdiction. LEGAL EXPENSES The insurance covers necessary and reasonable attorney and litigation expenses incurred by you as a plaintiff or defendant in a litigation. Exclusions are the same as listed under the third party liability coverage. In addition, legal expenses pertaining to criminal prosecution are not covered. IMPORTANT: Only the insurance company may appoint a legal counsel. No coverage will be provided if this right is in any way violated. ADVANCE ON APPEAL If you are victim of an accident a third party is held responsible for, we will request the total compensation of your damage from him - through Court if necessary. In such a case, and as an "ADVANCE" on the compensation claimed, we will pay you the sums printed on the previous page. If no-one is responsible for the damage, you will receive the indemnities mentioned on page the previous pages. FORCE MAJEURE The insurance company is not responsible for non-performance or delays in the settlement of a claim which may be delayed due to war, riots, acts of terrorism, strikes or intervention by government authorities. DISPUTES This contract is regulated by the French Insurance Commission. All disputes between the policy holder or the insured and the insurance companies must be brought to court in France. YOUR INSURANCE PROFESSIONALS Your policy, and the unique coverage it offers has been conceived specifically by AVI International, an insurance broker specializing for over 30 years in travel insurance plans for any kind of trip abroad (holidays, round the world tours, long journeys, studies and internships abroad, working. AVI INTERNATIONAL

18 40-44 rue Washington PARIS Phone : Insurance Carrier AIG Europe Limited General management for France: Tour CB21, 16 Place de l'iris Courbevoie - France Company with a capital of , Identification number in England and Wales: Head office: The AIG Building, 58 Fenchurch Street, London EC3M 4AB, United Kingdom. Phone: Fax: Mailing address: Paris La Défense Cedex - RCS Nanterre AVI International chooses the best insurance and assistance companies to offer coverage for the included risks. If need be, it can be changed by AVI International, provided coverage remains unchanged. If such an event were to occur, the insured of the policy would be notified.