YoungLiving Insurance terms and conditions no. 0909

Transcription

1 YoungLiving Insurance terms and conditions no This is a translation of the original Danish terms and conditions. In case of any discrepancies, the wording of the Danish original shall apply. Basis of contract The insurance contract made with Tryg represents the policy, any endorsements and the insurance terms and conditions. Furthermore, Danish legislation shall apply, including the Danish Financial Business Act and the Danish Insurance Contracts Act to the extent that the latter has not been derogated from. Supervision and Guarantee Fund Tryg is subject to supervision by the Danish Financial Supervisory Authority and affiliated to the Danish Guarantee Fund for Non-life Insurance Companies. Further information Further information about this insurance can be found at or Tryg Klausdalsbrovej 601 DK-2750 Ballerup Tryg Forsikring A/S CVR-no YoungLiving / 1 af 41

2 Right of withdrawal RIGHT OF WITHDRAWAL Only applies to private consumer policies. You have a right to withdraw from your purchase of private insurance, but this depends on three different situations: You met with our agent when you purchased your insurance You did not meet our agent in person when you purchased your insurance (distance sale) Sections 34e and 34i of the Danish Insurance Agreements Act (lov om forsikringsaftaler) contain more information on your right of withdrawal. WITHDRAWAL PERIOD The withdrawal period is always 14 days. The starting point of this period depends on how the agreement was made, see Items / If you met with our agent when you purchased your insurance, the withdrawal period starts on the latest of the following days: a On the day when you were notified that you purchased the insurance b Or on the day when you received clear written information on your right of withdrawal 2 / In the case of a distance sale, the withdrawal period starts on the latest of the following days: a On the day when you were notified that you purchased the insurance b On the day when you received the information that we are obliged to send you by letter or The 14-day withdrawal period is determined as follows: If, for example, you buy your insurance on Monday the 1st, but you do not receive the information until Wednesday the 3rd, the withdrawal period will expire on Wednesday the 17th. If the withdrawal period expires on a public holiday, a Saturday, Sunday, Constitution Day (5 June), 24 December or 31 December, it will not expire until the following weekday. HOW TO WITHDRAW FROM YOUR PURCHASE You must notify us that you wish to withdraw from your purchase before the withdrawal period expires. You may inform us of this either by letter or by . If you would like documentation showing that you sent your notice before the expiry of the withdrawal period, send your notice by registered letter and retain the receipt. Please send your notice of withdrawal to: Tryg Klausdalsbrovej 601 DK-2750 Ballerup [email protected] WHAT HAPPENS IF YOU WITHDRAW If you withdraw from your purchase, the purchase will be cancelled and you will not be charged for the insurance. However, this means that if a claim occurs in the period from when you purchased your insurance and when you withdraw, this claim will not be covered by the insurance. If you purchased the insurance through a distance sale, you may cancel the purchase if you have not received additional relevant information from us. The purchase will be cancelled from when you submit a notice of cancellation. However, please note that you must pay for your insurance until you cancel the purchase, except for the first 14 days which are included in the general right of withdrawal. We calculate the price based on the time you have been insured and according to the insurance purchase agreement originally concluded. YoungLiving / 2 af 41

3 Summary page YOUNGLIVING - is right for you if you want just one policy that gives you excellent cover for yourself, your possessions, liability and travel. YOUNGLIVING CONSISTS OF: BASE MORE STUFF MORE SPORT Base covers you and your partner, if the latter lives with you and is named in the policy. If you have children, they are also covered (accident cover applies only until they are 3). Your possessions (contents) covers your possessions with a sum insured of DKK 566,348 (2015 index) and an excess of DKK 1,900. Bicycles with a maximum value up to DKK 5,664 (2015 index) are covered without an excess but with age-based depreciation Liability provides cover if you are unfortunate enough to injure other people or cause damage to their possessions Legal assistance covers private disputes that can be heard by a court, for example unreasonable demands made on a tenant by a landlord Travel covers you on holiday worldwide, for example for medical treatment and transport home You (accident) covers you if you suffer a serious injury. The sum insured is DKK 566,348 (2015 index) and cover starts at a degree of permanent injury of 8% The following cover is available as a supplement to BASE. Must be specified in the policy. More Stuff covers you and your partner, if the latter lives with you and is named in the policy. If you have children, they are also covered. Extends the scope of BASE with cover for: Accidental damage to your contents if your flat screen falls over and breaks Faults in recently purchased appliances for example if your flat screen s image freezes Damage to glass and sanitary ware for example if a window pane breaks PC backup automatic daily online backup of your data, specified by you In addition, the excess for contents is reduced from DKK 1,900 to DKK 900. MORE TRAVEL More Travel covers you and your partner, if the latter lives with you and is named in the policy. If you have children, they are also covered. Extends the scope of BASE with cover for: Replacement travel / Travel guarantee provides cover if, for example, your entire skiing holiday is ruined by a broken leg Ruined days of travel provides cover if only part of your holiday is ruined, for example on account of a few days in plaster Delayed luggage if your luggage arrives 5 hours after you, you get money so you can buy some clothes Cancellation if, for example, you lose your job and have to cancel your holiday More Sport covers only you, i.e. the person who has purchased the cover, and applies only if you are specified for the cover in the policy. Extends the scope of BASE with cover for: Bicycles with no sum insured limit Accident insurance extends cover to include dangerous sports, for example paragliding and riding a motorcycle, a scooter or a moped limited to 45 km/h Hire of sports equipment if your own equipment does not arrive at your destination with you Boats (up to 6 metres), canoes, kayaks, windsurfers, kitesurf equipment and similar, plus equipment, including outboard motors Sports equipment that is permanently outside your home MORE HEALTH More Health covers only you, i.e. the person who has purchased the cover, and applies only if you are specified for the cover in the policy. Your children under 3 are also covered if you are. Extends the scope of BASE with cover for: Higher sum insured for accident insurance. Increased from DKK 566,348 (2015 index) to DKK 1,132,695 (2015 index). The calculation of degree of injury starts at 5% Amputation cover higher compensation for loss of fingers, arms and toes, for example YoungLiving / 3 af 41

4 Contents IN THE EVENT OF A CLAIM: 1 / Report the claim to us as soon as possible at or on / If you are travelling and need emergency assistance, call Tryg Alarm on / If you are in Denmark and need emergency assistance outside our normal office hours, call / Theft and vandalism must be reported to the police as soon as the damage is discovered. WHEN READING THE TERMS, PLEASE NOTE: 1 / The different types of cover only apply if stated in your policy. 2 / To ensure that a loss is covered, you should look under the specific type of cover and the general terms and conditions and joint terms. 3 / How the compensation is calculated. YOUNGLIVING BASE YOUR POSSESSIONS (CONTENTS) GENERAL TERMS AND CONDITIONS...page Who is covered? 1.2 Where does the cover apply? 1.3 What is covered? 1.4 What is not covered? 1.5 If you need to make a claim COVER...page Fire 3. Electrical damage 4. Theft 5. Bicycles 6. Vandalism 7. Luggage 8. Open theft, robbery and assault 9. Road traffic accident and average 10. Refrigerator and freezer damage 11. Storm and precipitation damage 12. Escape of water or liquids from tanks/installations 13. If you are a tenant 14. Liability 15. Legal aid CALCULATING COMPENSATION... side Calculating compensation 16.1 Repair 16.2 Replacement 16.3 Cash payment 16.4 Reduction in value 16.5 Compensation tables Electrical appliances IT equipment etc Spectacles Bicycles 16.6 Damage to private film etc Salvage expenses, costs and additional expenses in connection with moving home 16.8 Excess TRAVEL GENERAL TERMS AND CONDITIONS...side Who is covered? 2 What is covered? 3 What is not covered? 4 Where does Travel provide cover? 5 When does Cancellation provide cover? 6. Do you have an existing illness? 7. f you need to make a claim 7.1 Illness and injury 7.2 escue assistance 7.3 Other damage/injury during travel COVER... side Illness and transport home 3. Patient accompaniment 4. Summoning a person from home 5. Urgent return home 6. Holiday home cover 7. Missed connection 8. Assault 9. Liability for damage to rented holiday home 10. Security 11. Evacuation and involuntary stay 12. Search and rescue 13. Trauma counselling YoungLiving / 4 af 41

5 Contents YOUNGLIVING BASE YOUNGLIVING MORE YOU (ACCIDENT) GENERAL TERMS AND CONDITIONS... side Who is covered? 1.2 When does the cover apply? 1.3 Where does the cover apply? 1.4 What is covered? 1.5 What is not covered? 1.6 If you need to make a claim COVER... side Permanent injury 3. Treatment expenses 4. No-Go 5. Dental injury 6. Double compensation CALCULATING COMPENSATION... side Calculating compensation 7.1 Compensation tables MORE STUFF... side Fault and accidental damage insurance 2. Damage to glass and sanitary ware 3. Online PC backup 4. Reduction of excess MORE TRAVEL... side If you need to make a claim 2. Replacement travel / Travel guarantee 3. Ruined days of travel 4. Delayed luggage 5. Cancellation MORE SPORT...side Bicycles 2. Dangerous sports 3. Motorcycle, scooter or moped limited to 45 km/h 4. Delayed luggage - sports equipment 5. Small boats, windsurfers etc. 6. Sports equipment outside full-time address JOINT TERMS AND CONDITIONS FOR YOUNGLIVING..side Duty of disclosure 1.2 Insurance with another company 1.3 Paying for the insurance 1.4 ndexation 1.5 Term and termination 1.6 Amendment of terms and conditions and premium changes 1.7 Complaints 1.8 Contractual basis 1.9 Supervision and guarantee fund for non-life insurance companies RIGHT OF WITHDRAWAL...side 2 MORE HEALTH... side Extended accident 2. Amputation cover YoungLiving / 5 af 41

6 Your possessions / contents General terms and conditions 1. WHO IS COVERED? The policyholder, if you are aged Anyone who has the same registered address as the policyholder and whose name is specified in the policy (co-insured). Children of the policyholder and/or the co-insured, also adopted and foster children. If you have left home, you are insured until you turn 21, but not if you have a partner or children living with you. The word you under the different types of cover in the terms and conditions may mean: the policyholder a co-insured a child of the policyholder and/or the co-insured 1.2 WHERE DOES THE COVER APPLY? IN DENMARK (BUT NOT IN THE FAEROE ISLANDS) When possessions are located in and at your full-time address (the premises insured). If you change address in Denmark, cover applies at both the old and the new full-time addresses for up to 1 month from the actual date of taking over the new full-time address. For damage or injury in connection with a road traffic accident during the move itself, see Clause 9. In a customer box at a bank or savings bank. In a storage centre, removal vehicle or container approved by us. Money etc., gold and silver etc. specified under subclause 1.3 is not covered. ALSO COVERED IN A HOLIDAY HOME When possessions are brought from your full-time address. While you are staying there. Short stays, for example over a weekend, do not mean that the place is regarded as being occupied in the periods between stays. Cover does, however, apply to holiday homes in the period from 1 May to 30 September even if they are not occupied. In the period from 1 October to 30 April, the insurance only covers standard private contents that have temporarily been brought from your full-time address even if the holiday home is not occupied. However, the possessions must be located in the holiday home. POSSESSIONS THAT ARE TEMPORARILY OUTSIDE YOUR FULL-TIME ADDRESS Possessions brought from your full-time address to a caravan, mobile home, tent or pleasure craft, while you are staying there or spending the night there. Possessions that are intended to be returned to your full-time address and possessions acquired with a view to housing them at your full-time address. The possessions are covered for up to 12 months without special agreement with us. Possessions you want to sell that are located outside your full-time address, but only for the first 2 months. Special terms and conditions apply to possessions brought on trips in Denmark, the Faeroe Islands, Greenland and abroad. See Luggage, Clause 7. LIABILITY AND LEGAL ASSISTANCE Covered in Denmark. In the Faeroe Islands and the rest of the world, the insurance provides cover for no more than 3 months from the first date of departure from Denmark. 1.3 WHAT IS COVERED? The insurance covers the objects below if they belong to your or you bear the risk for them because you have borrowed or hired them. STANDARD PRIVATE CONTENTS Contents and other private possessions, including all normal equipment in a private home unless specified under sub-clause 1.4. SPECIAL PRIVATE CONTENTS All radio and TV equipment Antizues (However, where the value of antizues depends largely on the fact that they are made of gold, silver or platinum, they are treated as gold, silver etc. See page 7.) CD/DVD players/recorders etc. Amplifiers Photographic equipment Loudspeakers Telescopes and binoculars Works of art Paintings Mobile phones and accessories Musical instruments Navigation equipment PCs and other computer equipment, including software, hardware and all accessories Furs etc. LPs, CDs and DVDs Clocks and watches Weapons and ammunition Valuable carpets MONEY ETC. Money and money substitutes, for example gift vouchers, unused stamps, travel passes, tickets and similar. Maximum cover DKK 11,327 per claim (2015 index). YoungLiving / 6 af 41

7 Your possessions / contents General terms and conditions GOLD AND SILVER ETC. Gold, silver, platinum Pearls and precious stones Coin and stamp collections Possessions in which gold, silver or platinum form a significant component are regarded as gold and silver etc., regardless of whether the possessions can be attributed to other groups of objects, for example antiques. 1.4 WHAT IS NOT COVERED? 1.5 IF YOU NEED TO MAKE A CLAIM Damage covered by a warranty, service scheme or the seller s liability under the law pertaining to the sale of goods. Motorised vehicles, see the Danish Road Traffic Act (færdselsloven), and their parts and accessories. Any claim must be reported to us immediately at www. tryg.dk or on When reporting a claim, you must prove your claim for compensation and provide all available information which may be relevant to our assessment of your claim. Maximum cover DKK 16,991 per claim (2015 index). BICYCLES Maximum cover DKK 5,664 per bicycle per claim (2015 index). STANDARD DOMESTIC ANIMALS that are not used for commercial purposes. Maximum cover DKK 11,327 per claim (2015 index). TOOLS, APPLIANCES, INSTRUMENTS you own and use in your paid occupation. Maximum cover DKK 11,327 per claim (2015 index). BUILDING PARTS which you are obliged to maintain as a tenant unless the property is covered by buildings insurance. The cover does not include damage due to theft and vandalism. Motorised vehicles include cars, mopeds, motorcycles, pocket bikes, ATVs, shoppers and tractors. Garden machinery over 25 hp. Caravans, trailers and their parts and accessories. Aircraft and vessels of all kinds and their parts and accessories. Small boats (up to 6 metres), windsurfers, canoes, kayaks, kitesurf equipment and similar, including accessories and outboard motors. If you have purchased More Sport, you are covered if your boat (up to 6 metres), windsurfer etc. is stolen, vandalised or damaged by fire. See the special terms and conditions for theft on page 37 under More Sport Clause 5. Maximum cover DKK 33,980 per claim (2015 index). In addition, the insurance does not cover damage arising as a direct or indirect consequence of: War, civil war, riot, civil unrest or other warlike situations. However, the insurance does provide cover if such situations suddenly occur while you are in the country as part of a trip outside Denmark. This cover is provided for up to 1 month. Cover is subject to you not entering a country that is in one of the situations specified Earthquake, tornadoes, volcanic eruption or other natural disasters in Denmark. However, such cover is provided in the Faeroe Islands and in Greenland Nuclear reactions and radioactive decay, regardless of whether such damage occurs in times of war or peace Theft, vandalism, robbery and assault must be reported to the police immediately. If the loss or damage occurs abroad, you must submit documentation showing that it was reported to the police. If possessions are recovered before compensation is paid, the insurance only covers any damage caused in connection with the theft. Damage may not be repaired, and damaged possessions may not be disposed of before we have given our consent. Such action may otherwise affect our calculation of compensation. You can read more about this in the Danish Insurance Agreements Act (lov om forsikringsaftaler). DOCUMENTATION To receive compensation, you must be able to document or prove that you had the possessions in respect of which the claim is made and that their age and replacement value are as you say. You can do this by keeping purchase receipts, contracts of sale etc. A photo of particularly valuable items can also help document a claim for compensation. If the items were purchased privately, you should obtain a dated statement with the seller s name and address, showing what was purchased and the price. To document replacement value, stores will usually issue a copy of the original receipt. If you are unable to document or prove your claim, there is a risk that we will reject the claim or fix the level of compensation by estimation. YoungLiving / 7 af 41

8 Your possessions / contents cover 2. FIRE 3. ELECTRICAL DAMAGE Damage as a consequence of fire, direct lightning strike, explosion and sudden sooting. Fire means uncontrollable fire with flames spreading unaided. Direct lightning strike means that the lightning strikes the building or your possessions directly. Explosion means a rapid chemical process characterised by sudden, violent heat generation and expansion of the air. Sudden sooting means that the damage occurs suddenly and so fast that it is not possible to intervene. The insurance also covers sudden sooting resulting from food preparation, candles etc. Fire, singeing, melting or carbonisation of laundry in washing machines and tumble dryers, when the damage is due to mechanical or technical failure. If the water boils dry, all damage to clothes is covered. Washing or drying at excessive temperatures. If there is documentation of appliance failure in the form of a repair invoice for a washing machine or tumble dryer, all damage to clothes will, however, be covered. Sooting from systems for heating rooms if the system was not installed in accordance with the existing regulations. Damage that consists solely of singeing, melting or small holes caused, for example, by embers from tobacco or a fireplace. Damage to items deliberately exposed to fire or heat, for example when using pots, irons etc. Damage where the fire did not leave its hearth, for example damage to items dropped into a fireplace, bonfire etc. Damage caused by bursting, for example due to fermentation in bottles and vacuum jugs. Electrical appliances for private use, including white goods which may lawfully be sold or lawfully used in Denmark and which belong to you or you are obliged to maintain. See under Calculation of compensation. All damage to electrical conductors or components that arises on account of shortcircuiting, induction, overvoltage or similar. In addition to damage to electrical parts, the insurance also covers any other damage to the appliance that occurs in connection with the electrical damage. Damage covered by a warranty, service scheme or the seller s liability under the law pertaining to the sale of goods. Damage caused by a design defect, incorrect installation, incorrect connection or incorrect repair or damage caused during repair. Damage caused by the appliance being overloaded or used contrary to its intended use or design. Damage covered by other insurance, for example fire insurance. Damage to items used for business purposes. YoungLiving / 8 af 41

9 Your possessions / contents cover 4. THEFT AND VANDALISM BURGLARY SIMPLE THEFT For the items insured, see Your possessions / contents, sub-clause 1.3. Theft by breaking into a properly locked building or properly locked premises Theft outside a building or from an unlocked building or unlocked premises Theft from vehicles, motor homes, private vessels and aircraft and occupied caravans and tents Standard private contents Covered Maximum cover DKK 16,991 (2015 index) per claim: a) in a loft or basement room in a multistorey building b) in an outhouse or garage c) for external luggage on vehicles, including in a luggage locker Covered Special private contents Money etc., maximum cover DKK 11,327 (2015 index) per claim Gold and silver etc., maximum cover DKK 16,991 (2015 index) per claim Tools, props, instruments, maximum cover DKK 11,327 (2015 index) per claim Standard domestic animals, maximum cover DKK 11,327 (2015 index) per claim Does not cover: a) in a loft or basement room in a multistorey building b) in an outhouse or garage Covered Theft from a home that has been unoccupied for more than six months Burglary: - If doors were not closed and locked - If the burglar gained access through windows left ajar. The window is not locked even if a security bracket is fitted. Theft from a hotel room, holiday home, ship s cabin or train compartment when violent break-in cannot be ascertained Maximum cover DKK 16,991 (2015 index) per claim. However, there is no cover: a) in a loft or basement room in a multistorey building b) in an outhouse or garage c) for external luggage on vehicles, including in a luggage locker THE INSURANCE Theft of items located in the home when it is unoccupied or has been lent or rented out Items in storage Maximum cover DKK 16,991 (2015 index) per claim. Cover is subject to the items having been placed so that they are not visible from outside. Not covered Items that have been forgotten, lost or mislaid Theft committed by you Theft when you have displayed gross negligence Theft committed by assistants, lodgers or similar people Theft of items located in unlocked, unclosed vehicles, motor homes, caravans, tents and private vessels and aircraft Theft where violent break-in cannot be ascertained YoungLiving / 9 af 41

10 Your possessions / contents cover 5. BICYCLES Max. DKK 5,664 per bicycle per claim (2015 index). If you have taken out More Sport cover, there is no sum insured limit. If the bicycle was purchased without a frame number, there is no cover for theft and vandalism. We recommend having a frame number added to your cycle. This can be done at a bike shop or by the police. Under the terms and conditions the insurance provides cover in the event of: Fire Storm and precipitation Robbery and assault Theft Vandalism Luggage With the following restrictions for theft and vandalism: THEFT AND VANDALISM Compensation is subject to: The theft or vandalism having been reported to the police The bicycle s frame number being known For simple theft, the right to compensation is also subject to: The bicycle having been locked using a lock approved by Varefakta or by us. The original lock certificate and proof of purchase of the bicycle being submitted to us Vandalism to a bicycle is covered only when the bicycle is in and at your full-time address and in holiday homes. However, see sub-clause 1.2 on cover in holiday homes. Vandalism in connection with theft or attempted theft of bicycles, regardless of the location. Children s bicycles, i.e. bicycles with a wheel diameter of less than 12 inches, are covered even if the bicycle has no frame number or lock. 6. VANDALISM Damage caused by deliberate and malicious acts. Vandalism to your possessions located in or at your fulltime address and in a holiday home. However, see subclause 1.2 on cover in holiday homes. Vandalism to standard private contents and special private contents while you are moving home. If the full-time address has been unoccupied for more than 6 months. Vandalism to special private contents, gold and silver etc. and money etc., see sub-clause 1.3, if the items are outside the full-time address. Vandalism committed by you or other people who are at your full-time address or in the holiday home with your consent or for any other lawful reason. 7. LUGGAGE Maximum DKK 22,654 (2015 index) for luggage brought on a trip to/from another country, the Faeroe Islands and Greenland for up to 3 months from the first date of departure. Under the rules for contents insurance, when the items are brought with you or sent as luggage. Luggage, apart from gold and silver etc. and money etc., see sub-clause 1.3, that is sent by air, rail or carrier, is also covered against loss or damage, regardless of whether the destination is in Denmark or abroad. Luggage, apart from gold and silver etc. and money etc., see sub-clause 1.3, that is brought with you and placed in a special luggage space in a coach is covered against loss during transport to/from and in a foreign country, the Faeroe Islands and Greenland. It is a condition that the coach trip is part of the trip and that it has been purchased from a travel agent. Loss is covered under the rules for simple theft. See Clause 4. Damage due to poor packaging or escape of liquids you have brought with you. Damage due to normal wear and tear of suitcases and bags, such as scratches. Loss of luggage or expenses incurred in connection with the delayed arrival of luggage. Damage covered by other insurance that covers luggage. YoungLiving / 10 af 41

11 Your possessions / contents cover 8. OPEN THEFT, ROBBERY AND ASSAULT 9. ROAD TRAFFIC ACCIDENT AND AVERAGE 10. REFRIGERATOR AND FREEZER DAMAGE Theft of your possessions with the use of or threat of immediate use of violence. Theft of your possessions in your immediate proximity: if the theft was noticed by you or someone else at the moment when the perpetrator took the item and the alarm was raised immediately if another person saw the theft happen and can attest to it Theft of a bag and its contents if it is snatched from you (bag snatching). For gold and silver etc., see sub-clause 1.3. Maximum cover DKK 5,664 per claim (2015 index). For money etc., see sub-clause 1.3. Maximum cover DKK 5,664 per claim (2015 index). Other damage to your possessions as a consequence of an assault on you. Damage to your possessions as a consequence of a road traffic accident in which a moving means of transport is involved in an impact or collision or overturns. Means of transport include: Motor vehicles covered by the Danish Road Traffic Act (færdselsloven) Bicycles with a wheel diameter of more than 12 inches Bicycles and tricycles with a frame number Horse-drawn carriages Public means of transport Vehicles for disabled drivers Average involving pleasure craft. The pleasure craft must not belong to you or any of the other people insured You must have been a passenger There must be covered berths The insurance cover for average only covers standard and special private contents. See sub-clause 1.3. Maximum cover DKK 11,327 per insurance event (2015 index). In the event of a temporary power cut or temporary failure of a refrigerator/freezer at your full-time address: Food Damage caused by the thawed goods to the refrigerator/ freezer Damage to contents caused by the thawed goods If you or other people with lawful access to the home have cut the power. If the power cut or failure of a refrigerator/freezer is due to a design defect, incorrect positioning, incorrect installation or a lack of maintenance. Damage covered by a warranty, service scheme or the seller s liability under the law pertaining to the sale of goods. Damage to goods being moved to a new home. Damage to goods being moved to a new home or other goods surrendered for transport against payment. Damage to the means of transport. Damage to animals. YoungLiving / 11 af 41

12 Your possessions / contents cover 11. STORM AND PRECIPITATION DAMAGE STORM DAMAGE The insurance covers damage to your possessions when the damage occurs as a consequence of simultaneous storm damage to the building. Storm means constant or gusting wind speeds that have been officially measured as 17.2 metres per second. FLOODING, MELT WATER AND PRECIPITATION The insurance covers damage to your possessions when the damage occurs on account of: Heavy cloudbursts or sudden thaws where the water cannot run off normally and floods the building and/or seeps into the building through natural openings such as basement wells and vent-holes Water damage as a consequence of other covered damage A heavy cloudburst is when the amount of rainfall reaches 1-2 mm a minute within a short period of time. It will normally feel as if the heavens have opened. Or a large amount of rainfall within a 24-hour period approx. 30 mm. Or persistent heavy rain with an average daily rainfall of approx. 20 mm for 5-7 days. A sudden thaw is when the amount of precipitation or melt water within a short period of time is too much for correctly dimensioned drainage systems to be able to drain off the water. Damage to your possessions that are outside. Damage as a consequence of flooding from the sea, a fjord, a lake or a stream unless the damage was due to an immediately preceding cloudburst or sudden thaw. Damage as a consequence of a storm surge. Damage as a consequence of a rise in groundwater or sewage unless the damage is due to circumstances over which you have no control, including a cloudburst or sudden thaw. Damage due to you having neglected to clean drains. Damage due to undersized drains, except in the case of rented properties. 12. ESCAPE OF WATER OR LIQUIDS FROM TANKS/INSTALLATIONS Water, oil, coolant, steam and the like from pipes and connected installations suddenly escaping. This also applies to refrigeration and freezing systems and tanks and aquaria with a volume of at least 20 litres. Damage to your property as a consequence of slow seepage from hidden water, heating and drain pipes. Hidden means that it is not possible to obtain direct access to the installations without the use of tools or that there is no permanent staircase. This includes installations embedded into or hidden in floors, channels, crawl spaces, walls, roof spaces and the like. Installations only covered by insulation material are not hidden. Damage in connection with frost burst solely due to temporary failure of the heating supply. Temporary failure of the heating supply means that you have no control over the heating failure; for example in case of a stoppage at a CHP plant. Damage in connection with frost burst when the cause of the damage arises in premises or rooms over which you have no authority. Damage as a consequence of seepage and dripping from installations, waterbeds, aquaria and other tanks. Damage from outdoor installations, downpipes, gutters and similar. Damage caused while filling or draining oil tanks and other containers. The loss of the escaping liquid itself. Damage caused as a consequence of building and repair work. 13. IF YOU ARE A TENANT Damage to your possessions when precipitation or melt water passes through openings in the building or when water seeps out from pipe systems outside premises that are part of the premises you are renting. Damage to items outside the building. Damage where your landlord is liable for damages under the Danish Rent Act (lejeloven) or the tenancy agreement. In cases in which you have a duty to repair the structural damage which is causing the water damage. Damage where you have neglected to mitigate the damage to your possessions. YoungLiving / 12 af 41

13 Your possessions / contents cover 14. LIABILITY LIABILITY FOR DAMAGES The insurance covers any legal liability for personal injury and damage to property that you incur as a private individual as well as certain acts committed by small children. According to Danish case law, you will be legally liable if you inflict damage by error or omission. The general rule is that you have neglected to do something or have done something that you should not have done. This general rule is not laid down in any Act. It has evolved through many years of case law. Legal liability covers personal injury up to DKK 10 million and damage to property up to DKK 2 million. ACCEPTANCE OF LIABILITY FOR DAMAGES We are only liable to compensate costs that were paid with our approval. Your acceptance or payment of a claim for damages does not make us liable. If you accept liability for damages, you risk having to pay the damages yourself. You should always contact us before assuming liability for damages. YOUR LIABILITY As a private individual As a tenant in relation to a landlord under the provisions of the Danish Rent Act (lejeloven) concerning a tenant s liability for damage caused by the installations carried out by the tenant with the approval of the landlord. The tenant s liability for the rest of the rented premises is not covered by the insurance As an owner or user of horses and other domestic animals for private use, although not dogs (see Does not cover). As a landowner of a private plot and a single-family or semi-detached house if the house is mainly used for habitation and you live in the house and buildings insurance comprising liability cover has not been taken out (see also the limitations under The following liability is not covered ) As a landowner of a holiday home and plot if buildings insurance comprising liability cover has not been taken out (see also the limitations under The following liability is not covered ) Below are a few typical situations that, from experience, give rise to problems. DAMAGE CAUSED BY CHILDREN In the same way as adults, children may incur independent legal liability. However, case law suggests that children under 5 will not normally be held liable for their acts, and they will thus not have liability for damages imposed on them. However, the insurance provides cover if the age or immaturity of the child is the only reason for the exemption from liability. There is no cover for accidental damage. The cover is subject to an excess of DKK 2,000. Parents will normally only be liable for damage caused by a child if they have left the child unattended. DAMAGE CAUSED BY GUESTS This is damage to property during a normal private gathering, where the legal assessment would typically not make the person causing the loss liable for damages, as the damage was caused by slight negligence or culpability during this gathering. There is no cover for accidental damage. The cover is subject to an excess of DKK 750. SERVICES BY FRIENDS Liability for damage caused during the performance of services in the interest of the injured party is not covered, including as a guest, unless the person causing the damage acted particularly inconsiderately. It is not relevant whether performance of the service is paid or unpaid or whether it is performed on request or on one s own initiative. ACCIDENT If you did not cause the damage, it is regarded as accidental. You are not liable for accidental damage. It is the person suffering the loss who will bear it. DAMAGE COVERED BY PROPERTY INSURANCE If the loss is covered by another insurance policy, such as the injured party s contents, buildings, car or business insurance, you will not be liable for damages unless the damage was caused deliberately or by your gross negligence. THE FOLLOWING LIABILITY IS NOT COVERED DELIBERATE ACT If you have caused damage on purpose, the damage is regarded as deliberate. This type of damage is only covered if the person who caused the damage is under the age of 14 or lacked mental capacity due to his or her state of mind. SELF-INDUCED INTOXICATION Damage caused under the influence of self-induced intoxication or drugs or other similar toxic substances, regardless of your state of mind. AGREEMENTS/FINANCIAL LOSS Loss due to breach of an agreement concluded by you, such as a contract or a lease. BUSINESS Liability for damage caused in the course of one s profession or work comparable with this. YoungLiving / 13 af 41

14 Your possessions / contents cover DEMOLITION AND EXCAVATION WORK Liability for damage caused by a landowner in connection with demolition and excavation work as well as piling and the like. However, personal injury is covered. DOGS Liability for damage caused by dogs. Compulsory dog liability insurance must be taken out. HUNTING Liability for damage caused while hunting, where the liability is covered by hunter s liability insurance or would be covered by the usual compulsory hunter s liability insurance. CONTAMINATION Liability for damage caused by contamination. However, such liability is covered if the damage occurred in a one-off accident and not because you failed to comply with the public regulations in force from time to time. Contamination liability incurred as a houseowner and landowner is not covered by the policy. MOTORISED VEHICLES ETC. Liability for damage caused during the use of a motorised vehicle or an aircraft, including radio-controlled model planes and gliders, for which separate liability insurance may be taken out. - However, liability for certain motorised vehicles is covered Electric scooters, electric wheelchairs and similar with a maximum speed of 15 km/h. Damage caused by the use of toys with engine power of up to 5 hp, and personal injury while using go-carts with engine power of up to 25 hp. Damage caused by the use of garden machinery of up to 25 hp. Damage to the aircraft, the motorised vehicle or the other motorised items if caused by children under 14. THE INSURANCE BOATS Liability for damage caused when using boats. - However, liability for personal injury when using small boats is covered Although not in connection with competitions. Small boats are: Boats without motors, windsurfers and kitesurf boards Boats with motor power of no more than 25 hp Damage to items or animals caused by canoes, kayaks, rowing boats and other boats as well as windsurfers and kitesurf equipment and similar if the length of the vessel does not exceed 6 metres. It is a condition that the vessel is not powered by a motor of more than 25 hp at the time the damage is caused. LIABILITY FOR DAMAGE TO PROPERTY OR ANIMALS BOR- ROWED OR HIRED - However, liability for the following is covered: Damage to property or animals borrowed or hired within these categories: Standard private contents Special private contents Standard domestic animals - as specified under sub-clause 1.3 in the event of sudden damage and the damage occurs in the first 30 days of the loan or hire period. The cover is subject to an excess of 10% of the loss, minimum DKK 750. DAMAGE TO PROPERTY OR ANIMALS Liability for damage to property or animals that you: Own Use or have used Store, transport, process or treat Are in possession or in charge of for reasons other than those listed above 15. LEGAL ASSISTANCE The legal assistance insurance covers costs in connection with certain private legal disputes. Dispute in this connection must be understood to be a disagreement of a legal nature. Examples of areas that may be covered include disputes concerning: Minor private leases Damages (not commercial) Purchase and sale of household items Owner-occupied flats/flats in housing cooperatives if you are a party to the case (i.e. not the owner-occupied flat/ housing cooperative association) Scope of family insurance or other private insurance Examples of areas that are not covered include disputes concerning: Labour or salary disputes Tax and duty cases Most family law disputes Dissolution of marriage or other communities of property Probate cases Criminal cases Collection cases against the insured Real property Motor vehicles Pleasure craft } Covered by buildings,comprehensive motor and pleasure craft insurance, respectively Legal assistance is covered up to DKK 125,000 with an excess of 10% of total costs, minimum DKK 2,500. The amount is not indexed. No excess is charged if the financial conditions for receiving free legal aid are met. The terms and conditions and amounts in force at the time of the claim apply. The full terms and conditions for this cover are available from us, and we can advise you in all cases in which the matter of legal assistance may arise. YoungLiving / 14 af 41

15 Your possessions / contents calculating compensation 16. CALCULATING COMPENSATION 16.3 CASH PAYMENT 16.5 COMPENSATION TABLES The compensation must, as far as possible, place you in the same financial situation as you were in immediately before the loss. We can choose between the following ways of compensating the loss REPAIR We pay what it costs to repair the damaged property so that, as a whole, it essentially has the same appearance with the same applications, performance and utility value as before the damage. - However, the repair cost may not exceed the value of the damaged property, calculated according to the rules on depreciation. See sub-clauses If the repair cost amounts to more than 50% of the replacement value of the damaged property, you may claim replacement or a cash payment REPLACEMENT If repair is not possible, we may deliver an equivalent item. We may replace items that were purchased used or are more than 2 years old with equivalent used items if this is feasible without considerable inconvenience to you. For new items, i.e. items purchased new within the past 2 years that are otherwise undamaged, the replacement value is paid, equivalent to the price of replacing the item with an equivalent new item from the supplier advised by us. For used items, i.e. items that are 2 years old or more or were purchased used and are otherwise undamaged, the compensation is fixed as the replacement price for an equivalent used item from the supplier advised by us. If we are unable to advise you of a supplier, the compensation is fixed for used items at the replacement price for new items less a reasonable deduction for reduction in value as a consequence of age, use etc. A further condition for used items is that, if identical items cannot be obtained, we pay a cash payment equivalent to the price of an equivalent used item that is comparable in terms of quality, value, performance, application and appearance. We deduct the discount that we obtain from a supplier from the cash payment REDUCTION IN VALUE Compensation for reduction in value may be relevant in some cases if the damaged property remains usable after repair but to a decreased extent or with less value. Compensation for reduction in value consists of the difference in price between the damaged property s value immediately before and after the damage. However, the total compensation may not exceed the replacement value. For electrical appliances, IT equipment etc., spectacles and bicycles, compensation is calculated using the tables in sub-clauses to Compensation is calculated on the basis of an equivalent new item at a supplier advised by us, less the depreciation specified in the tables ELECTRICAL APPLIANCES Electrical appliances for private use, for example kitchen appliances, electrical appliances for personal care, white goods, vacuum cleaners, electrical musical instruments, cameras, radios, TVs, DVD players etc. IT equipment, see sub-clause % of replacement value Age as new at the time of the claim 0-2 years years years years years years years 30 8 years - 20 YoungLiving / 15 af 41

16 Your possessions / contents calculating compensation IT EQUIPMENT ETC. PC and accessories, including the PC itself and software, monitor, keyboard, modem, mouse, printer, joystick, external disk drive and games console, for example Xbox and PlayStation. Media centre, fax, photocopiers, mobile phones and accessories, walkie-talkies and amateur radio equipment. Mp3, ipod and similar. % of replacement value Age as new at the time of the claim 0-1 year years years years years 30 5 years SPECTACLES % of replacement value Age as new at the time of the claim 0-2 years years years years years years years years years years years BICYCLES % of replacement value Age as new at the time of the claim 0-1 year years years years years years years years years years years years years years years years years years years DAMAGE TO PRIVATE FILM ETC. In the event of damage to private film, sound recordings, IT programs, electronic storage media, for example cassettes, diskettes and CDs, we only pay compensation to purchase new unexposed film or any negatives retained or unrecorded tapes, diskettes etc SALVAGE EXPENSES, COSTS AND ADDITIONAL EXPENSES IN CONNECTION WITH MOVING HOME The insurance covers damage to your possessions in connection with reasonable salvage measures taken to prevent imminent personal injury or damage to items not belonging to you. In the event of damage covered by the insurance, compensation is paid for the following in addition to the sum insured: Reasonable and necessary expenses for salvage, preservation and clearance Reasonable and necessary moving-out and moving-in expenses Other reasonable and necessary additional expenses, including storage for up to 1 year when you move out of your full-time address Reasonable and necessary removal and moving-in expenses if you, as a tenant, member of a housing cooperative or owner of an owner-occupied flat, are unable to occupy your full-time address as a consequence of a loss that would be covered by standard buildings insurance, and it is not possible to demand that the expenses be paid by the owner YoungLiving / 16 af 41

17 Your possessions / contents calculating compensation 16.8 EXCESS The excess is DKK 1,900 of each claim under YoungLiving Base, Contents. There is no excess for claims under the bicycle cover. MORE STUFF If you have chosen More Stuff, the excess is reduced to DKK 900 for each claim under, Contents. For the Fault and accidental damage insurance, the excess is DKK 900 per claim. There is no excess for damage to glass and sanitary ware. EXCESS FOR LIABILITY CLAIMS Claims for damage caused by guests are subject to an excess of DKK 750. Claims for damage to property borrowed or hired are subject to an excess of 10% of the claim, minimum DKK 750. Claims for damage caused by children under 5 are subject to an excess of DKK 2,000 per claim. EXCESS FOR LEGAL ASSISTANCE CLAIMS Claims under legal assistance insurance are subject to an excess of 10% of the total costs, minimum DKK 2,500. NB: Excesses are not indexed. YoungLiving / 17 af 41

18 Your travel General terms and conditions 1. WHO IS COVERED? 1.2 WHAT IS COVERED? 1.3 WHAT IS NOT COVERED? The policyholder, if you are aged Anyone who has the same registered address as the policyholder and whose name is specified in the policy (coinsured). Children of the policyholder and/or the co-insured, including adopted or foster children. If you have left home, you are insured until you turn 21, but not if you have a partner or children living with you. The word you under the different types of cover in the terms and conditions may mean: the policyholder a co-insured a child of the policyholder and/or the co-insured If you travel, as the only person from your address, with a friend, Your travel and More Travel, if you have purchased it, also cover your travel companion. However, you must remain together on the trip. If you travel with a co-insured person and your children, if you have children, Your travel and More Travel cover an additional travel companion under 18 (for example a friend of one of your children). It is a precondition that: you live in Denmark departure is from Denmark and you have a valid Danish health card Travel worldwide for up to 60 days in the form of: Holiday/study travel, also in Denmark Study stays on which you are enrolled at an educational institution abroad Holiday in connection with business travel The insurance provides cover only in the part of the travel period that involves holiday Travel on which you participate in dangerous sport, for example paragliding When the main purpose of travel is holiday, it is acceptable for you to make a short visit of no more than one day to a partner, a trade fair or other another destination related to your work. If the travel lasts for more than 60 days, it is possible to take out additional cover for each trip. The travel period may be extended to up to 18 months in total. Participation in expeditions and professional sport. Expenses for legal assistance and other advice. Any loss, regardless of your state of mind or mental capacity, due directly or indirectly to: Deliberate, criminal or grossly negligent acts or omissions Participation in fights, self-induced intoxication, selfinduced influence of narcotics and other intoxicants or attempted suicide Nor does the insurance cover any loss due directly or indirectly to: War, warlike situations, violation of a nation s neutrality, civil war, riot or civil unrest. However, the insurance does provide cover if such situations suddenly occur while you are in the country, but only for up to 1 month after the outbreak of the conflict. The insurance is subject to you not participating in the actions in person Confiscation, nationalisation or revolution Nuclear reactions and radioactive decay, regardless of whether such damage occurs in times of war or peace. However, the insurance does cover any loss that is due to or occurs in connection with nuclear reactions that are used for standard industrial, medical or scientific purposes Strike or lockout Seizure, confiscation or other measure by a public authority YoungLiving / 18 af 41

19 Your travel General terms and conditions 1.4 WHERE DOES TRAVEL PROVIDE COVER? 1.6. DO YOU HAVE AN EXISTING ILLNESS/ACUTE ILLNESS? 1.7 IF YOU NEED TO MAKE A CLAIM When you leave your home to start the trip. Cover ends when you return to your home/place of residence if this time is within the 60 days. In connection with travel abroad, place of residence means the place in Denmark where you spend your first night after returning home. If your return home is delayed through no fault of your own, the period is extended automatically by up to 48 hours. 1.5 WHEN DOES CANCELLATION PROVIDE COVER? (Applies only if the More Travel option has been purchased) When you have booked travel but not before you have paid a deposit. However, if More Travel was not purchased until after the travel was booked/the deposit was paid, the cover commences only when More Travel has been purchased. The cover ends at the time at which you leave your home to begin the trip. EXISTING ILLNESS If you have an existing illness, the insurance covers treatment of an acute deterioration of the illness that occurred during your trip, provided that the illness was in a stable, good phase for 2 months before your departure. A stable, good phase means that the condition was stationary without any form of deterioration that: required medical assistance or resulted in a plan for further tests, treatment or hospitalisation If you are in any doubt about whether the insurance will provide cover, you can call us on For holidays in Europe lasting less than 1 month, you should contact the public travel health insurance. ACUTE ILLNESS Acute illness is illness that occurs suddenly during the travel cover period. Cover is subject to there not having been symptoms of the illness before the start of the cover period. TRYG ALARM We work with SOS International under the name Tryg Alarm. The employees and doctors at Tryg Alarm are at your service 24 hours a day: Tel: Fax: Any situation that may give rise to compensation must be reported to Tryg Alarm immediately. Calls to and from Tryg Alarm are covered by the insurance. The information here tells you what to do in each situation and what documentation is required ILLNESS AND INJURY ILLNESS AND TRANSPORT HOME In the event of hospitalisation and/or extraordinary transport home on account of illness or injury or if your travel home is delayed, our doctor will contact the hospital/doctor and arrange further treatment, transfer, transport home etc. We can furnish a guarantee or send payment to the hospital or doctor. If the illness or injury does not require hospitalisation, a medical report, copies of prescriptions, the original invoices and a claim form must be submitted to us after your return home. YoungLiving / 19 af 41

20 Your travel General terms and conditions URGENT RETURN HOME, SUMMONING A PERSON FROM HOME AND PATIENT ACCOMPANIMENT If we are unable to provide you with an itinerary for your urgent return home within 6 hours of having received your claim, and liability is accepted, you can arrange your travel home yourself. After your return home, the original invoices for additional transport expenses, the medical report, the death certificate or the report to the police/rescue service must be sent to us. Compensation is subject to the travel taking place by agreement with us. ASSAULT Documentation of your report to the police at your destination, a medical report and the names of any witnesses must be sent to us RESCUE ASSISTANCE SEARCH AND RESCUE Documentation of the report to the local public authority must be sent to us. TRAUMA COUNSELLING If you need psychological trauma counselling, we will help you make contact with a psychologist and help arrange transport, accommodation etc. for people summoned from home OTHER DAMAGE/INJURY DURING TRAVEL MISSED CONNECTION We can help you arrange transport, accommodation etc. After your return home, you must send us the original invoices for your expenses and the original itinerary. SECURITY Documentation must be sent to us. EVACUATION AND INVOLUNTARY STAY We can help you arrange transport, accommodation etc. Transport options may be limited in countries which are at war or in warlike situations, and we are not liable for the extent to which transport is possible. However, in cases in which help is required, we will work with the Ministry of Foreign Affairs of Denmark, the travel company or similar. If we are unable to provide you with an itinerary for your travel home for evacuation within 12 hours of the decision being made that evacuation is to take place, you may arrange travel home yourself. After your return home, you must send us the original invoices for your expenses. YoungLiving / 20 af 41

21 Your travel cover 2. ILLNESS AND TRANSPORT HOME ACUTE ILLNESS AND INJURY DURING TRAVEL Expenses you incur during travel in connection with treatment of an acute illness or injury. ACUTE DENTAL TREATMENT Continued treatment if you refuse to be transported home although the attending doctor and our doctor have decided that you must be transported home Treatment after your return home to Denmark Pregnancy examinations, pregnancy tests, abortion, sterilisation and sterility tests or treatment Childbirth or the consequences of pregnancy that occur after week 35 of your pregnancy 3. PATIENT ACCOMPANIMENT Treatment which is required immediately to reduce the COMPENSATION extent of injury, for example acute analgesia. EXISTING ILLNESS Treatment of acute deterioration of an existing illness if the illness was in a stable, good phase for 2 months before your departure. You can read more about stable, good phase and acute illness under sub-clause 1.6. TRANSPORT HOME Expenses for transport home to Denmark on account of acute illness, injury or death. Illness and transport home that are covered by the public travel health insurance In Denmark Illness/injury which produced symptoms or was diagnosed by a doctor prior to departure. See sub-clause 1.6. Rest cures or stays in health resorts Treatment of consequences of surgical interventions and medical treatment that you have planned to have performed abroad Covers the necessary expenses for: Hospital stays and treatment, including operations and ambulance transport to the nearest treatment location Medical treatment and medicine prescribed by a doctor Treatment by a physiotherapist and a chiropractor up to a value of DKK 15,000 (not indexed) Analgesia in the event of acute dental treatment. Special treatment, crown, root canal treatment and similar may only be carried out with our special agreement A medium-class hotel and standard subsistence, including beverages, when an extraordinary stay has been prescribed by a doctor Transport home or transport to the nearest suitable treatment location prescribed by a doctor. The transport must be approved by our doctor Extension of the travel insurance if the illness/injury extends beyond the end of the insurance period Compensation is subject to you obtaining a medical report from the locally authorised attending doctor. The report must contain the diagnosis and information on the treatment carried out. This also applies to Patient accompaniment, Clause 3. If you become acutely ill, see sub-clause 1.6, or suffer an injury, a co-insured person may act as patient accompaniment if the planned itinerary has to be interrupted or delayed. If you die, a co-insured person may accompany your body during the transport home. Patient accompaniment after your return home to Denmark unless it is part of the continued patient accompaniment. Patient accompaniment if you make use of Summoning a person from home and vice versa. ERSTATNING Covers necessary additional expenses for: A medium-class hotel and standard subsistence, including beverages Transport in connection with patient accompaniment or to catch up the fixed itinerary Travel back to the planned destination if the trip is resumed at the latest 7 days before the planned end of the trip Local transport in connection with patient accompaniment Extension of the travel insurance if the illness/injury extends beyond the end of the insurance period If transport includes flights, cover is for scheduled economy class flights. YoungLiving / 21 af 41

22 Your travel cover 4. SUMMONING A PERSON FROM HOME If you do not make use of the Patient accompaniment cover, 2 people may travel out to you on account of: your acute, serious illness; see sub-clause 1.6 serious injury your death COMPENSATION Covers the necessary expenses for: Transport, including local transport. If transport includes flights, cover is for scheduled economy class flights A medium-class hotel and standard subsistence, including beverages, for a period of up to 21 days Travel insurance for the people summoned from home Compensation is subject to no decision having been made that you are to be transported home soon. 5. URGENT RETURN HOME If you have to return home to Denmark urgently on account of: Death or hospitalisation, as a consequence of one of the following people, who are in Denmark, contracting an acute serious illness, see sub-clause 1.6, or suffering an acute serious injury: - Spouse/cohabitant - Children, foster children, joint-custody children - Parents, parents-in-law or grandparents - Siblings, brothers-in-law or sisters-in-law Fire, explosion, flooding or break-in at your private home or own company, if the incident has been reported to the police or a rescue service If the insurance event which is the cause of the urgent return home occurred before the time of departure. COMPENSATION Covers necessary additional expenses for: Transport Transport home of motor vehicles and any caravan if the trip is in a motor vehicle to a destination in Europe Return transport to the planned destination if the trip is resumed at the latest 7 days before the planned end of the trip If transport includes flights, cover is for scheduled economy class flights. 6. HOLIDAY HOME COVER Additional expenses for another holiday home if: Your holiday home is or becomes uninhabitable during your stay as a consequence of theft, water damage, fire, explosion, flooding, earthquake or other natural disaster Your motor home, caravan or pleasure craft cannot be used as a consequence of damage suffered during the period of travel covered by the insurance Damage means damage to the bodywork or hull. Mechanical damage is not regarded as damage in this context. COMPENSATION Covers documented additional expenses in the planned travel period up to 60 days for: Another holiday home up to DKK 694 (2015 index) per 24 hours in all for all persons insured, max. DKK 4,171 (2015 index) per week Subsistence up to DKK 348 (2015 index) per 24 hours per person, max. DKK 2,087 (2015 index) per week 7. MISSED CONNECTION CATCHING UP THE FIXED ITINERARY If you are unable to carry out your trip as planned because you arrive too late to take one of the following through no fault of your own, and this could not have been anticipated: A public means of transport A means of transport arranged by a tour operator A tour operator may be a travel agency, a transport company or a person or company renting out a hotel room, an apartment, a holiday home, a villa, a tent, a caravan, a motor home, a pleasure craft or similar. If you have not left sufficient time to change between two means of transport. For air transport, the necessary time is considered to be the official minimum transfer time that the airlines state in their timetables. COMPENSATION Covers necessary additional expenses for transport, a medium-class hotel and subsistence, including beverages, in connection with catching up the fixed itinerary. If transport includes flights, cover is for scheduled economy class flights. YoungLiving / 22 af 41

23 Your travel cover 8. ASSAULT If a third party deliberately causes you personal injury. Any injury caused to you by a co-insured person. COMPENSATION Compensation for assault is equivalent to the amount that a liable tortfeasor would have paid in damages for equivalent damage, in accordance with Danish case law, up to DKK 695,160 (2015 index) per person. Compensation is subject to the assault having been reported to the nearest police authority. 9. LIABILITY FOR DAMAGE TO RENTED HOLIDAY HOME If you, as a private individual, incur liability for damage to: Fixtures and fittings in a rented holiday home when the damaged parts are in your custody Structural elements of a rented hotel room, apartment, holiday home or villa when the damaged parts are in your custody A rented tent when it is in your custody Any damage that occurred during paid or unpaid work. Any damage as a consequence of you having incurred, by agreement or otherwise, liability extending beyond the general law of torts Damage caused by animals. COMPENSATION Covers up to DKK 2 million (not indexed) per event. The sum insured represents the maximum limit of our liability after a single event even if liability for damage is imposed on several people who are covered by one or more policies with us. In addition to the sum insured, compensation is also paid for interest and costs in connection with the settlement of the issue of damages, provided that they have been accepted by us. There is an excess of DKK 1,500 (not indexed) per event. The claim for damages is assessed under the existing law in the country in which the damage occurs. 10. SECURITY IN CONNECTOIN WITH PRIVATE DISPUTES (DISAGRE- EMENTS OF A LEGAL NATURE), THE INSURANCE FUR- NISHES SECURITY FOR: Payment of your legal costs A demand from local authorities to cover a claim for damages made against you Payment to release you or your property THE INSURANCE DOES NOT FURNISH SECURITY FOR: Disputes linked to your business or working conditions Disputes relating to contractual relationships Criminal cases, with the exception of road traffic cases COMPENSATION The insurance furnishes up to DKK 100,000 (not indexed) in security per dispute. The security is regarded as an interest-free loan that is repaid to us when it is released. If the security is seized as a consequence of: your non-payment of a fine or damages you have been ordered to pay your non-appearance at a court hearing, or you being otherwise liable for the seizure - the security is regarded as an interest-free loan that is repaid to us immediately when it is seized We are not bound by you accepting liability for damages or approving a claim for damages without our acceptance. YoungLiving / 23 af 41

24 Your travel cover 11. EVACUATION AND INVOLUNTARY STAY If war breaks out or there is an imminent risk of war, warlike situations, natural disasters or epidemics. If situations arise that must be considered to be terrorism or there is an imminent risk of terrorism. If the travel company enters into liquidation and the travel home is not covered by the guarantee fund. EVACUATION When the Ministry of Foreign Affairs of Denmark recommends evacuation, you must follow the instructions so that you are evacuated at the first given opportunity. When the Ministry of Foreign Affairs of Denmark does not initiate evacuation, you may only be evacuated by agreement with us. This may occur when the situation has arisen in the area in which you are staying and travelling and it is clear that, if you continued to stay or travel there, you would be exposed to a much higher risk or much lower level of safety. INVOLUNTARY STAY When it is not possible to leave the country immediately after it has been agreed that the area must be evacuated because the local public authorities have closed the country s border. EVACUATION AT YOUR OWN EXPENSE If the insurance does not cover Evacuation and Involuntary stay, we can offer administrative assistance, for example with ordering air tickets and similar. In a theatre of war. However, the insurance does provide cover if you are in a theatre of war at the start of military operations A theatre of war is an area up to 100 km from the place or places where military operations are taking place. Entry into an area to which the Ministry of Foreign Affairs of Denmark has advised against entry or from which it has recommended evacuation. Expenses that are covered by the travel company, public authorities or similar. If it is assessed that continuing to stay in the place is not associated with any enhanced risk. However, assistance is provided for evacuation at your own expense. See under Compensation. COMPENSATION Covers necessary additional expenses for: EVACUATION Transport home to Denmark Compensation is subject to you not previously having neglected to follow the request by the Ministry of Foreign Affairs of Denmark to allow yourself to be evacuated. INVOLUNTARY STAY Transport to the nearest destination regarded by the public authorities and the Ministry of Foreign Affairs of Denmark as a safe place Transport to Denmark at the first given opportunity Subsistence up to DKK 1,112 (2015 index) per person per 24 hours or part thereof for up to 3 months Accommodation and transport, up to DKK 111,225 (2015 index) per person for up to 3 months LIQUIDATION OF TRAVEL COMPANY OR AIRLINE Transport home to Denmark If transport includes flights, cover is for scheduled economy class flights. EVACUATION AT YOUR OWN EXPENSE Administrative assistance to change or order air tickets or accommodation. The costs associated with this are paid by you. YoungLiving / 24 af 41

25 Your travel cover 12. SEARCH AND RESCUE A search for you within a radius of 50 km from the place at which you were last seen. Your rescue when your location has been determined. Payment for search and rescue to public authorities and organisations which normally work voluntarily and/or without being paid for such tasks Search in connection with kidnapping or hijacking Search and rescue north of the Arctic Circle or at the South Pole Search initiated by next-of-kin because you have neglected to tell them where you are or because your family or others want to make contact with you COMPENSATION Covers search and rescue for up to 14 days, up to DKK 139,031 (2015 index) per person, maximum DKK 417,474 (2015 index) in all per event for all persons insured. There is an excess of 10% of the eligible costs, minimum DKK 2,500 (not indexed). Compensation is subject to: You having been away for more than 24 hours The event having been reported to the local police, and search and rescue having been initiated following a demand from a local public authority or the Ministry of Foreign Affairs of Denmark Tryg Alarm having approved in advance the parties who will be responsible for the search and rescue and the extent of the search and rescue 13. TRAUMA COUNSELLING When an eligible event has resulted in mental trauma as a consequence of: Acute illness, see sub-clause 1.6, or death Robbery, assault, accident, fire, explosion or burglary Search and rescue action The insurance also covers trauma counselling in the event of outbreak of war, warlike situations, terrorism, natural disasters or epidemics. If you are staying in a theatre of war. However, the insurance does provide cover if you are in a theatre of war at the start of military operations, provided that the conditions under Evacuation and involuntary stay are met. If you enter an area to which the Ministry of Foreign Affairs of Denmark has advised against entry or from which it has previously recommended evacuation. COMPENSATION Covers the necessary expenses for: Psychological trauma counselling for you locally Your excess for treatment by a psychologist prescribed by a doctor after your return to Denmark, up to DKK 13,904 (2014 index), provided that the treatment commences no later than 4 weeks after your return home and takes place by agreement with our doctor and part of the cost is paid by public health insurance Trauma counselling by phone for your spouse/cohabitant, children, parents and siblings who are either in Denmark or with you on your trip Transport and necessary expenses for hotel and subsistence for up to 5 days for 2 people who travel out to you, if our doctor assesses that you need the personal company of your spouse/cohabitant, children, parents or siblings, unless simultaneous use is made of the cover for Summoning a person from home, Clause 4. YoungLiving / 25 af 41

26 You / Accident General terms and conditions 1. WHO IS COVERED? The policyholder, if you are aged Anyone who has the same registered address as the policyholder and whose name is specified in the policy (coinsured). Children of the policyholder and/or the co-insured, including adopted and foster children, but only if aged 2 or under. The word you under the different types of cover in the terms and conditions may mean: the policyholder a co-insured a child of the policyholder and/or the co-insured aged 2 or under 1.2 WHEN DOES THE COVER APPLY? The insurance provides cover 24 hours a day. 1.3 WHERE DOES THE COVER APPLY? In the Nordic countries, Greenland and all EU Member States. During travel and stays in the rest of the world for up to 12 months. Accidents during travel and stays outside the Nordic countries, Greenland and all EU Member States for a period of more than 12 months are covered only if agreed with us. To assess whether a claim is covered by the insurance and to assess the amount of any compensation, we may demand a medical examination in Denmark. We pay for the medical examination but not for transport or for expenses for accommodation etc. in connection with the medical examination. If treatment by a doctor, dentist, physiotherapist or chiropractor is required, we may demand that the treatment take place in Denmark. We do not pay for transport or for expenses for accommodation etc. in connection with the treatment. 1.4 WHAT IS COVERED? Consequences of accidents. Accident means a sudden event that causes personal injury. CAUSAL CONNECTION To obtain cover, there must be a causal connection between the accident and the injury. In the assessment, importance will be attached to factors such as whether the event is able to cause personal injury, i.e. whether the event in itself is enough to cause/explain the injury. 1.5 WHAT IS NOT COVERED? DEATH YoungLiving does not provide cover after death. ILLNESS ETC. Consequences of accidents, the main cause of which is existing illnesses or predisposition to illness (apart from indisposition or fainting) Deterioration of the consequences of an accident that is due to an existing or an intercurrent illness Bodily injuries as a consequence of attrition Bodily injuries as a consequence of overexertion that is not sudden Injuries due to infection by diseases, viruses, bacteria, other microorganisms or similar Poisoning by food, drink, stimulants or medicine Permanent injury in the form of mental consequences of events in which you were not exposed to risk of physical personal injury yourself Consequences of dental, medical and other treatment that was not necessitated by an eligible accident Injuries suffered in connection with childbirth GROSS NEGLIGENCE, INTOXICATION ETC. Consequences of accidents caused by you deliberately or by gross negligence. Consequences of accidents due to: Participation in fights Your criminal acts Self-induced intoxication Self-induced influence of narcotics or other intoxicants Attempted suicide YoungLiving / 26 af 41

27 You / Accident General terms and conditions DANGEROUS SPORTS Consequences of accidents that occurred during: Training or participation in motor races, moped races or speedboat races of any kind Boxing Other self-defence sports and martial arts Mountaineering Abseiling on rock faces Parachuting Hanggliding Aerobatics Paragliding Ultralight flying Rafting Performance of sports that are comparable to the above MOTORCYCLES, SCOOTERS AND MOPEDS LIMITED TO 45 KM/H For accidents that have occurred while you were riding a motorcycle, a scooter or a moped limited to 45 km/h, only half of compensation is paid unless you have purchased the More Sport option. ADVICE Expenses for legal assistance or other advice. WAR AND SIMILAR Consequences of accidents due to: Release of nuclear energy Outbreak of war or warlike situations, including civil war However, the insurance does cover accidents as a consequence of sudden war or warlike situations, including civil war, in a country outside Denmark in which you are staying for up to 1 month after the outbreak of the conflict. However, the insurance is subject to you not participating in the actions in person. 1.6 IF YOU NEED TO MAKE A CLAIM REPORTING A CLAIM Accidents must be reported to us as soon as possible. This also applies even if the damage or injury seems to be of a limited extent immediately after the accident. We will specify the information necessary to process the claim. We pay the expenses for certificates, reports and investigations that we consider to be necessary for the processing of the case. Information on the insurance event will be treated in confidence. Unauthorised persons are not able to gain access to this information. REOPENING When a case has been closed, it may subsequently be reopened at your request. Reopening requires medical documentation showing that the consequences of the accident have deteriorated. The expenses for obtaining this medical documentation are paid by you. If we decide to reopen a case, we pay the expenses for the medical documentation. DISAGREEMENT ABOUT THE DEGREE OF PERMANENT INJURY If you do not agree with the degree of permanent injury determined by us, you may demand that the matter of the degree of permanent injury be submitted to the National Board of Industrial Injuries in Denmark. We may also decide to submit the case to the National Board of Industrial Injuries in Denmark. The party who wishes the case to be submitted to the National Board of Industrial Injuries in Denmark pays the costs associated with such submission, including expenses for additional medical reports. If the National Board of Industrial Injuries in Denmark changes the degree of permanent injury determined by us in your favour, the costs are always paid by us. YoungLiving / 27 af 41

28 You / Accident cover 2. PERMANENT INJURY 3. TREATMENT EXPENSES 4. NO-GO Compensation in the event of permanent injury (= medical disability) as a consequence of an accident if the degree of permanent injury is at least 8% (or 5% if you have selected More Health). Expenses for necessary transport from the site of the accident to the nearest treatment location. Other transport expenses are not covered. Complications corresponding to an already existing injury or condition, including degenerative change, regardless of whether it previously produced symptoms. Nor can this factor result in the degree of permanent injury being determined as being higher than if such an injury or such a condition did not exist Permanent injury as a consequence of overexerting body parts other than those damaged in the accident Expenses for medicine, dressings, bandages, mouthguards, aids and similar Expenses for examinations, consultations, medical treatment and hospital treatment COMPENSATION The sum insured is DKK 566,348 (2015 index). If you have selected More Health, the sum insured is DKK 1,132,695 (2015 index). Expenses for treatment by a physiotherapist and chiropractor in connection with an eligible accident. The expenses are covered until the degree of permanent injury has been determined and for no more than 12 months from the claim date. Expenses that can be paid from another quarter, for example public health insurance or workers compensation insurance Expenses for treatment for overexerting body parts other than those damaged in the accident Expenses for medicine, dressings, bandages, mouthguards, aids and similar Expenses for examinations, consultations, medical treatment and hospital treatment Immediate payment for NO-GO injuries when the injury (fracture) was directly caused by an accident. NO-GO compensation is paid regardless of whether the accident subsequently results in permanent injury and will not be deducted from any compensation for permanent injury. NO-GO injuries are fractures to/in: The skull or neck Shoulders, arms or elbows Hands Back, pelvis or hips Legs, knees or ankles The skull or neck Fractures to/in fingers and/or toes and injuries that are not listed. COMPENSATION The compensation is DKK 5,664 (2015 index) per accident, regardless of the number or type of fractures that the accident has resulted in. YoungLiving / 28 af 41

29 You / Accident cover 5. DENTAL INJURY REDUCTION OF COMPENSATION Compensation may be reduced or lapse if the condition Reasonable, necessary expenses for your dental treatment if your teeth are damaged in connection with an accident. The insurance provides the same amount of cover for prostheses if they are damaged while located in your mouth. The treatment must be approved by us before it is started. Acute emergency treatment is excluded. Expenses for dental treatment that is started more than 5 years after the accident Expenses that can be paid from another quarter, for example public health insurance or workers compensation insurance Dental injury suffered in connection with chewing. This applies regardless of the cause of the dental injury Expenses for repair or general maintenance of teeth that have already been repaired via the insurance Consequential expenses after an injury such as expenses for medicine, dressings, bandages, mouthguards, orthodontic braces, aids and similar Dental injuries suffered in connection with boxing, selfdefence and martial arts. This also applies when the insurance has More Sport added. of the tooth/teeth and all forms of prosthesis was poor before the accident, for example as a consequence of: Illness Reconstruction Root canal treatment Wear Loss of grip Paradentosis Other illness in the teeth and the surrounding bones If neighbouring teeth of the injured tooth are missing or are weakened, as stated above, the maximum compensation payable corresponds to payment for the necessary treatment of a healthy tooth. 6. DOUBLE COMPENSATION Payment of double compensation if the degree of injury as a consequence of an accident is 30% or more. YoungLiving / 29 af 41

30 You / Accident calculating compensation 7. CALCULATING COMPENSATION 7.1 COMPENSATION TABLES Compensation is paid when we have received the information required to be able to assess the permanent consequences of the injury (the permanent injury/degree of injury). The extent of the permanent injury determines the amount of compensation. The compensation is a percentage of the sum insured, corresponding to the degree of permanent injury determined. entitles you to compensation for a degree of permanent injury of at least 8%. More Health entitles you to compensation for a degree of permanent injury of at least 5%. The degree of permanent injury may not exceed 100% per accident. The degree of permanent injury is determined using the National Board of Industrial Injuries in Denmark s permanent injury rating list. It is always the permanent injury rating list in force at the time of the decision that is used to fix the compensation. If an injury is not listed in the National Board of Industrial Injuries in Denmark s permanent injury rating list, the degree of permanent injury is determined on the basis of the medical nature and extent of the injury. The degree of injury is determined without reference to your occupation or your social situation. Payment is made as a lump sum on the basis of the sum insured at the time of the accident. Payment is made to you, the person who suffered the accident, unless agreed otherwise. Compensation to children under 3 is always paid to the policyholder or co-insured. For accidents that occur while you are riding a motorcycle, a scooter or a moped limited to 45 km/h, only half of compensation is paid unless you have purchased the More Sport option. AMPUTATION COVER If you have selected More Health (specified in the policy), the degree of permanent injury is determined, after full or partial loss/amputation of a part of the body, according to this table. EXTRACT FROM THE NATIONAL BOARD OF INDUSTRIAL IN- JURIES IN DENMARK S PERMANENT INJURY RATING LIST (1. januar 2014) Loss of sight in both eyes 100% Loss of sight in one eye 20% Total hearing loss in both ears 75% Total hearing loss in one ear 10% Loss of the distal phalanx of the thumb 12% Loss of the 2nd finger 10% Loss of the distal phalanx of the 2nd finger 5% Loss of the 3rd finger 10% Loss of the 4th or 5th finger 8% Loss of a leg Amputation at the knee or thigh with good prosthetic function 50% Amputation at the knee or thigh with poor prosthetic function 60% Loss of a foot with good prosthetic function 30% Loss of a foot with poor prosthetic function 40% Loss of all toes on one foot 10% Loss of a big toe and some of its metatarsal bone 8% Loss of a big toe 5% Cruciate ligament injury with moderate drawer looseness and mild progressive muscular atrophy and/or mild restriction of movement 8% R% L% Loss of an arm Loss of a hand Loss of all fingers on one hand Loss of a thumb with the metacarpal bone Loss of a thumb If you are left-handed, left is assessed as right. AMPUTATIONSDÆKNING Loss of sight in both eyes 100% Loss of sight in one eye 40% Total hearing loss in both ears 80% Total hearing loss in one ear 30% Amputation of an arm at the shoulder 100% Loss of a hand 100% Loss of all fingers on one hand 100% Loss of a thumb with the metacarpal bone 45% Loss of a thumb 35% Loss of the distal phalanx of the thumb 25% Loss of the 2nd finger 25% Loss of the distal and intermediate phalanges of the 2nd finger 20% Loss of the distal phalanx of the 2nd finger 15% Loss of the 3rd finger 20% Loss of the distal and intermediate phalanges of the 3rd finger 15% Loss of the 4th or 5th finger 15% Loss of the distal and intermediate phalanges of the 4th or 5th finger 10% Loss of a leg 80% Amputation of a leg at or above the knee joint 65% Loss of a foot 40% Loss of a leg 80% Amputation of a leg at or above the knee joint 65% Loss of a foot 40% Loss of all toes on one foot 20% Loss of a big toe with the metatarsal bone 10% Loss of a big toe 8% Amputation cover applies only in the event of full/partial loss of the parts of the body specified in the table. If the injury is not specified here, it is assessed according to the National Board of Industrial Injuries in Denmark s permanent injury rating list; see under Clause 7 and subclause 7.1. YoungLiving / 30 af 41

31 More Stuff YoungLiving Applies only if the More Stuff option has been purchased and this is specified in the policy. 1. FAULT AND ACCIDENTAL DAMAGE INSURANCE WHAT IS COVERED? Standard and special private contents; see sub-clause 1.3 and white goods. Electrical appliances intended for a holiday home are also covered for sudden damage and faults for 4 years from their first purchase date. The items must belong to you and must be exclusively for private use. SUDDEN DAMAGE to the possessions that cannot be attributed to s other cover and optional cover, exclusions and limitations. Sudden damage means damage due to an external cause with an immediate effect. Cause and effect must therefore be contiguous in time. An example of sudden damage is if your flat screen falls over and breaks or if you spill a glass of red wine on your white sofa. EXCESS DKK 900 per claim (not indexed). Damage to motorised garden machinery, electric scooters and electric objects that are solely for use outdoors Damage in the form of scratches and peeling or other cosmetic damage such as colour differences Damage due to wear and tear, poor maintenance, faulty connection, faulty repair or damage during repair Faulty and lost software, data etc. as well as dead pixels Damage covered by a warranty, service scheme or the seller s liability under the law pertaining to the sale of goods Damage caused deliberately or where you have displayed gross negligence Damage caused by animals Soot damage from a boiler installation/fireplace that was not installed according to regulations and from candles, oil lamps, pots etc. Used appliances that were already damaged at the time of acquisition CALCULATING COMPENSATION ITEMS THAT ARE LESS THAN 4 YEARS OLD For items that were purchased new or used, are less than 4 years old and are otherwise undamaged, compensation may take the form of: restoring the damaged item to essentially the same condition as before the damage replacing the item with a new, equivalent item making a cash payment equivalent to the replacement price of an equivalent new item If you want to replace items with new items, we make a cash payment equivalent to the price we have to pay for such items at the supplier advised by us. The insurance terms and conditions on compensation generally apply. See Clause 16. ITEMS THAT ARE MORE THAN 4 YEARS OLD The fault insurance does not cover appliances that are more than 4 years old. In the event of sudden damage to items that are more than 4 years old, claims are calculated according to the rules in the insurance terms and conditions under Clause 16. FAULT Covers all internal damage to electrical appliances that can be lawfully sold or used in Denmark. Appliances that are purchased new are covered for 4 years from their first purchase date. If you acquire a used appliance, the appliance is covered from its acquisition date for 4 years from the original first purchase date. The damage must be discovered and the claim reported within this four-year period. YoungLiving / 31 af 41

32 More Stuff YoungLiving Applies only if the More Stuff option has been purchased and this is specified in the policy. 2.DAMAGE TO GLASS AND SANITARY WARE Glass and sanitary ware that is rendered unfit for use due to breakage, peeling or scratches. It is a condition that they are fixed to their permanent position in the building. Glass comprises glass, mirrors or similar materials in windows, doors, shower cabinets, built-in cupboards, hobs, ovens and built-in mirrors. Sanitary ware comprises washbasins, toilet bowls, bathtubs, footbaths, bidets, cisterns, kitchen sinks and the like. Cover is subject to the items belonging to you or you having a duty to maintain the items. Puncturing of double-glazed windows or leaks in their structure. Damage in connection with conversion, maintenance, repair or installation/removal around or on your possessions. Frost burst in the items, unless the damage was due to accidental heat supply failure outside of your control. Damage caused deliberately by people with lawful access to the premises insured. CALCULATING COMPENSATION No compensation is paid for damage of a purely cosmetic nature or differences in colour between the replaced and other undamaged items. REPAIR We pay what it costs to repair the damaged item. However, compensation to cover repair costs may not exceed the cost of replacement, including any installation costs. REPLACEMENT OR CASH PAYMENT If a repair is not possible, we pay what it costs to replace the damaged item with an equivalent new one. If equivalent items cannot be obtained, we may pay compensation to you equivalent to what it costs to replace glass or sanitary ware with items of the same standard that are available at the time of the claim. If existing toilet seats, taps and mixer taps cannot be used for design reasons, compensation is paid for new items of the same standard as the existing ones. 3. ONLINE PC BACKUP The cover gives you online backup of your PC (backup of electronic files via secure, encrypted transfer) up to 10 GB via Keepit. Keepit will contact you by . You then have to activate the service via a link that will be available to you for as long as you have the More Stuff option. When you activate the link, you also accept Keepit s agreement terms and conditions. Keepit has sole liability for the agreement and the service. Read the full terms and conditions for the service at REDUCTION OF EXCESS More Stuff reduces the excess for your contents from DKK 1,900 to DKK 900 (not indexed). Damage covered by valid buildings insurance. YoungLiving / 32 af 41

33 More Travel YoungLiving Applies only if the More Travel option has been purchased and this is specified in the policy. 1. REPLACEMENT TRAVEL / TRAVEL GUARANTEE Expenses for replacement travel for trips of up to 60 days duration if: you become acutely ill, see under Your travel, subclause 1.6/suffer an injury and are hospitalised for more than half of your travel period you are transported home (prescribed by a doctor) in the first half of your travel period on account of acute illness or injury and do not travel back to the destination to continue your trip you travel home in the first half of your travel period on account of an urgent return home, see under Your travel, Clause 5, and do not travel back to the destination to continue your trip a local doctor prescribes that you cannot participate in the planned activity, for example skiing or golf, for more than half of your travel period on account of an acute broken bone (fracture), ligament injury, strain, sprain or similar injuries to joints and muscles REPLACEMENT TRAVEL FOR CO-INSURED PEOPLE Co-insured people may also have replacement travel if: your hospitalisation lasts for more than half of the travel period and co-insured people remain with you during your hospitalisation co-insured people travel home with you in the first half of the travel period and do not travel back to the destination to continue the trip you cannot participate in the planned activity for more than half of your travel period on account of injuries to joints and muscles, as described under Covers. If the trip lasts for more than 60 days, regardless of whether optional insurance has been taken out. TO BE ABLE TO RECEIVE COMPENSATION, YOU MUST: have a medical report from the locally authorised doctor who treated you. The report must state the diagnosis and the period of hospitalisation, any test results, treatment and medication obtain documentation of the transport home or urgent return home if our doctor did not approve the travel home in advance If you cannot participate in the planned activity on account of injuries to joints and muscles and the medical report does not specify that participation was rendered impossible, our doctor will assess whether the insurance provides cover on the basis of the information. If there is any doubt about the period in which you were unable to carry out the planned activity, this is also decided by our doctor. COMPENSATION Covers documented expenses paid for the travel that cannot be refunded: ACCOMMODATION AND TRANSPORT Accommodation may be a hotel room, apartment, holiday home, villa, tent, caravan, motor home, pitch, pleasure craft and similar. If food is included in the accommodation, this is also covered. DRIVING IN A CAR OR MOTOR HOME You receive a mileage allowance equivalent to that paid by the Danish state for business travel over 20,000 km per annum. The number of kilometres is calculated as kilometres driven via the shortest route from your address/place of residence to your destination and back. If not everyone in the car is covered by Travel, the expenses are distributed proportionally. If the car or motor home is rented, the shortest route is from the rental agency to the destination and to the place where the car or motor home is returned. The insurance also covers prepaid rental. EXCURSIONS, EVENTS AND SIMILAR Compensation of up to DKK 1,000 per person insured is paid for expenses for excursions, events, for example concert tickets, or planned activities, for example for hired equipment, instruction or lift passes that are not attended or used as a consequence of an insurance event and cannot be refunded. YoungLiving / 33 af 41

34 More Travel YoungLiving Applies only if the More Travel option has been purchased and this is specified in the policy. 2. RUINED DAYS OF TRAVEL If you are unable to receive Replacement travel, you may be paid an amount per ruined day of travel if: you become acutely ill, see under Your travel, subclause 1.6/suffer an injury and are hospitalised you are prescribed rest in and around your holiday home on account of acute illness or injury you are transported home on account of acute illness or injury and do not travel back to the destination to continue your trip you travel home on account of an urgent return home, see under Your travel, Clause 5, and do not travel back to the destination to continue your trip you cannot participate in the planned activity, for example skiing or golf, on account of an acute broken bone (fracture), ligament injury, strain, sprain or similar injuries to joints and muscles RUINED DAYS OF TRAVEL FOR 1 CO-INSURED PERSON 1 co-insured person may also receive cover for Ruined days of travel if: The co-insured person remains with you while you are ill The co-insured person travels home with you and does not travel back to the destination to continue the trip If the trip lasts for more than 60 days, regardless of whether optional insurance has been taken out. TO BE ABLE TO RECEIVE COMPENSATION, YOU MUST: have a medical report from the locally authorised doctor who treated you. The report must state the diagnosis and the period of hospitalisation or the period of prescribed rest, any test results, treatment and medication obtain documentation of the transport home or urgent return home if our doctor did not approve the travel home in advance If you cannot participate in the planned activity and the medical report does not specify that participation was rendered impossible, our doctor will assess whether you can receive compensation for Ruined days of travel on the basis of the information. If there is any doubt about the period in which you were unable to carry out the planned activity, this is also decided by our doctor. COMPENSATION Compensation for ruined days of travel is calculated on the basis of the documented price that you and 1 co-insured person each paid for the trip and for which you are unable to receive a refund; see Clause 1, Replacement travel. The number of ruined days of travel is calculated as follows: on the day after you first visit a doctor up to and including the date of discharge or the end of the prescribed peace and rest on the day after you travel home 3. DELAYED LUGGAGE If luggage that you took with you on your outward travel as checked-in luggage is delayed by more than 5 hours after your arrival at a travel destination. If luggage is equipment such as a pushchair, skis or a golf bag, hire expenses are covered. If the luggage was handed in for transport with a different means of transport from the one you used yourself. COMPENSATION The insurance covers: A payment of DKK 1,112 (2015 index) per 24 hours or part thereof per person, max. DKK 4,449 (2015 index) in total per person per delay Expenses for hiring equivalent equipment while your own equipment is delayed. The total cost may not exceed the sums specified above. If the luggage concerned only contains toiletries or similar, for example a vanity case, the total payment is limited to DKK 1,112 (2015 index) in total per delay, regardless of how many of you share the contents of the luggage. No compensation is paid for the day on which you travel home and compensation is never paid beyond the original travel period. Days of departure and return are counted as 2 whole days, regardless of the times of departure and return. YoungLiving / 34 af 41

35 More Travel YoungLiving Applies only if the More Travel option has been purchased and this is specified in the policy. 4. CANCELLATION if you cannot travel on account of acute serious illness, see under Your travel, sub-clause 1.6, or injury that involves hospitalisation or death of: - you or your spouse/cohabitant, children, parents, parents-in-law, grandparents, siblings, brothers-in-law or sisters-in-law - a travel companion if our doctor assesses that it is unsafe for you to travel because it may cause your acute illness or injury to deteriorate considerably if our doctor is of the opinion that your general condition has deteriorated acutely so that it is unreasonable for you travel if you cannot participate in the trip s planned activities on account of acute serious illness or injury, provided that you can document that the activities are the primary purpose of the trip if you are suddenly unable, for medical reasons, to receive a vaccination that is suddenly introduced as a requirement for entry to the country to which you are due to travel The travel companion does not need to have Cancellation insurance with us but documentation must be produced, showing that you were intending to travel together for the entire trip. WAR, TERRORISM, NATURAL DISASTER OR EPIDEMIC When the Ministry of Foreign Affairs of Denmark advises against entry or has already recommended evacuation. When the situation has arisen in the area in which you are due to stay and travel and it is assessed that, if you were to stay or travel there, you would be exposed to a much higher risk. THE PURPOSE OF THE TRAVEL IS CANCELLED The purpose of the travel must be a public event such as a concert or football match. A planned visit to friends or family abroad is cancelled because one of the people you are due to visit becomes acutely seriously ill, suffers an injury or dies. PREGNANCY If a doctor has prescribed that you must not travel on account of pregnancy, and you were not pregnant when the travel was booked. DIVORCE, SEPARATION OR END OF COHABITATION For end of cohabitation, you must have lived together for at least 12 months before the end of cohabitation and you must now have different registered addresses. EXAMINATION FAILED If you fail an examination at an educational institution above lower secondary school and you have to retake an examination during the travel period or no later than 2 weeks after the planned date of return. Cover is subject to you being an active student and having purchased the travel before the examination was failed. FIRE, EXPLOSION, FLOODING OR BURGLARY In your private home or own company immediately prior to departure and it has been reported to the police or a rescue service. INVOLUNTARY DISMISSAL After the deposit has been paid for the travel and: you are unable to travel as planned you are to start a new job during the travel period the travel is within the first 3 months with a new employer and you cannot take holiday or do not wish to do so If your travel cancellation is covered, co-insured people may also cancel travel. If the insurance event took place before the cover commenced If your illness or injury was not in a stable, good phase, see under Your travel, sub-clause 1.6, 2 months before the cover commenced If you refused medical treatment of your illness or injury or if medical treatment was discontinued Childbirth or the consequences of pregnancy that occur after week 35 of your pregnancy. However, the insurance does cover the consequences of pregnancy if you were not pregnant when the travel was booked; see Covers Expenses that are covered by the travel company, public authorities or similar COMPENSATION Covers the amount that a tour operator may demand paid or the amount paid to a tour operator that cannot be refunded, maximum DKK 77,659 (2015 index) in total. A tour operator may be a travel agency, a transport company or a person or company renting out a hotel room, an apartment, a holiday home, a villa, a tent, a caravan, a motor home, a pleasure craft or similar. YoungLiving / 35 af 41

36 More Travel YoungLiving Applies only if the More Travel option has been purchased and this is specified in the policy. 5. IF YOU NEED TO MAKE A CLAIM The information here tells you what to do in each situation and what documentation is required. REPLACEMENT TRAVEL / TRAVEL GUARANTEE After your return home, you must send us the medical report, proof of travel, documentation of the duration of your trip and the original invoices for expenses for transport, accommodation, excursions, events and activities. In the event of cancellation of travel with a specific purpose, documentation of the purpose of the travel must also be enclosed. In the event of divorce/separation, a copy of the decree must be enclosed. If you cease living with a cohabitant, you must enclose an extract from the national register. In the event of involuntary dismissal, you must enclose documentation of the dismissal and of any new employment date. RUINED DAYS OF TRAVEL After your return home, you must send us the medical report, stating the diagnosis, period of hospitalisation or prescribed rest and any test results, treatment and medication, proof of travel and documentation of the duration of your trip. DELAYED LUGGAGE After your return home, you must send us documentation of the delay from the transport company (P.I.R - Property Irregularity Report), your air ticket, the luggage receipt and documentation of when you got the luggage back. CANCELLATION Any claim for compensation must be reported to us as soon as you discover that it is not possible to travel. As documentation, you must enclose original travel vouchers from the tour operator, confirmation of cancellation of the travel and information on the amount refunded by the tour operator. The medical report or death certificate, police report etc. must also be enclosed. YoungLiving / 36 af 41

37 More Sport YoungLiving Applies only if the policy specifies that More Sport has been purchased and only to the person/people specified under More Sport in the policy. 1. BICYCLES Your bicycle without any limit to the sum insured according to the rules described under Your possessions Clause 5, subject to depreciation according to the table under Your possessions sub-clause DANGEROUS SPORTS Permanent injury sustained in an accident in connection with any form of dangerous sport. Dangerous sports are: Training or participation in any form of motor race, moped race or speedboat race of any kind Boxing Other self-defence sports and martial arts Mountaineering Abseiling on rock faces Parachuting Hanggliding Aerobatics Paragliding Ultralight flying Rafting Performance of sports that are comparable to the above Dental injury if the injury occurs while boxing or involved in self-defence sports and martial arts. Death. 3. MOTORCYCLE, SCOOTER OR MOPED LIMITED TO 45 KM/H If you are injured while riding a motorcycle, a scooter or a moped limited to 45 km/h, full compensation is paid for eligible injuries that result in permanent injury. 4. DELAYED LUGGAGE SPORTS EQUIPMENT If your checked-in sports equipment is delayed for more than 5 hours. We cover the expenses for hiring equivalent equipment while your own equipment is delayed. The cover applies only to outward travel. Conditions for cover. You receive a luggage receipt for the checked-in sports equipment. When you come home, you must send documentation of the delay from the transport company (P.I.R. Property Irregularity Report), your air ticket, the luggage receipt and documentation of when you got the sports equipment back. If the sports equipment was handed in for transport with a different means of transport from the one you used yourself. 5. SMALL BOATS, WINDSURFERS ETC. In the event of fire, theft and vandalism, see under Your possessions, Clauses 2, 4 and 6, small boats (up to 6 metres), canoes, kayaks, windsurfers, kitesurf equipment and similar, including accessories and outboard motors. Max. DKK 33,980 per insurance event (2015 index). Conditions for cover: If the vessel is stolen, it must have been locked to a fixed point with a lock, chain or similar that was broken open using considerable force If accessories are stolen, they must have been locked to the boat with lock fittings that were broken open using considerable force 6. SPORTS EQUIPMENT OUTSIDE FULL-TIME ADDRESS Fire, theft and vandalism for sports equipment, including small boats (up to 6 metres), canoes, kayaks, windsurfers, kitesurf equipment and similar, including accessories, when they are permanently located outside your full-time address. 7. EXCESS An excess of DKK 1,900 for each claim applies to items 5 and 6. If you have selected More Stuff, the excess will be DKK 900. YoungLiving / 37 af 41

38 More Health YoungLiving Applies only if the policy specifies that More Health has been purchased and only to the person/people specified under More Health in the policy. Children under 3. Children of the policyholder and/or co-insured people are covered under More Health if the policyholder has purchased More Health. 1. EXTENDED ACCIDENT 2. AMPUTATION COVER Increased compensation for certain forms of loss/ amputation of a part of the body. See the table under You, sub-clause 7.1. Restrictions of movement, pain or other. The same as Permanent injury, see under You, Clause 2, with these amendments: The sum insured is increased to DKK 1 million The insurance entitles you to compensation for a degree of injury of at least 5% YoungLiving / 38 af 41

39 Joint provisions YoungLiving 1. DUTY OF DISCLOSURE 3. PAYMENT 4. INDEXATION If you fail to notify us of important changes, your right to compensation may be reduced or lapse. For this reason, it is important that you notify us immediately of: Incorrect information in the policy People who are to be covered Changes of address Changes to the size of your household Changes to your employment or termination of employment. If a change, for example in employment, is not reported to us and the change would have resulted in an increase in premium, you will receive compensation corresponding to the ratio between the premium paid and the premium you should have paid. 2. INSURANCE WITH ANOTHER COMPANY Payment of compensation is conditional on you not having taken out insurance against the same damage from another insurer. If you have taken out insurance against the same type of damage from another insurer, you have double insurance, and you must report the claim to both insurers. We do not cover damage for which full indemnity is paid by another insurer. If the other insurer has limited cover in the event of double insurance, the same limitations apply to your insurance with us. This means that we and the other insurer are obliged to pay pro rata compensation. The same applies if the claim is covered by several policies with us. However, the provisions on double insurance do not apply to injury under You/Accident and/or More Health. To be a YoungLiving customer, you must pay the premium via the payment service provider Betalingsservice. The premium may be paid on an annual, six-monthly, quarterly or monthly basis. The policy shows which option you have chosen (due date). If you choose to pay your premium on a six-monthly or quarterly basis, an extra charge will be payable. In addition to the premium, we charge public taxes and duties such as general insurance duty and government tax, plus our expenses in connection with collecting payment. REJECTION OF MONTHLY PAYMENT If you have chosen to pay monthly and your payment is rejected by or cancelled with Betalingsservice, your insurance is immediately changed to annual payment and you receive an invoice for annual payment. We do not send you a new policy. As the insurance is subject to payment via Betalingsservice, you must contact us and arrange payment. LATE PAYMENT If the premium is not paid on time, you will receive a reminder. If the premium has not been paid within 21 days of the first reminder, the insurance will lapse. If we send you a reminder, we will be entitled to charge an administration fee, default interest and any other costs. In addition, we will be entitled to charge an administration fee, a fee for printing documents and other services to cover our costs. If these costs increase, we will be entitled to raise our fees to cover the actual costs. Indexation follows the wage index for the private sector published by Statistics Denmark. If this index ceases to be published, or if the basis of the index is changed, we will be entitled to use a similar index from Statistics Denmark. Sums insured, excesses and other amounts are indexed if this is stated in the insurance terms and conditions or the policy. Indexation takes place once a year on 1 January. The premium is indexed once a year on the first date of payment in the calendar year. Indexation is based on the index for the first quarter in the preceding year. YoungLiving / 39 af 41

40 General terms and conditions YoungLiving 5. TERM AND TERMINATION The insurance period runs for one year and may be extended for additional periods of one year. You and we are entitled to terminate the insurance in writing one month before the expiry of the insurance period, at the latest. For a fee of DKK 65 (2015 index) you may choose to terminate the insurance at 30 days notice to the end of a calendar month. If the insurance is terminated during the first year, an additional fee of DKK 388 (2015 index) will be charged. In the event of a loss, we will be entitled to terminate the insurance or introduce reservations in the insurance subject to at least 14 days notice. You are also entitled to terminate the insurance giving 14 days notice. The termination or reservation may be effected/introduced from the time when you report the claim and until 14 days after payment of compensation or rejection of the claim. WHEN THE POLICYHOLDER TURNS 33. YoungLiving in insurance for people aged This means that when you turn 33, we contact you and let you know that your insurance needs to be changed. You may keep your YoungLiving insurance up until the first annual renewal date after you turn 34 years old. Three months before this date we will write to you to inform you that your insurance is about to expire. IF A CO-INSURED PERSON MOVES FROM THE ADDRESS OF THE POLICYHOLDER. The cover for a co-insured person is terminated if the co-insured person moves to a registered address other than that of the policyholder. Your possessions/contents continues until another policy is taken out, but for no more than 3 months. 6. AMENDMENT OF TERMS AND CONDITIONS AND PREMIUM CHANGES We may amend the terms and conditions and/or change the premium by giving one month s notice to a payment date. The insurance will continue to run with the new cover and/ or premium when you pay the premium for a new period. If the premium is not paid, the insurance will lapse on the date of the amendment/change. Indexation is not considered to constitute a change of the premium. 7. COMPLAINTS If you do not accept our decision, you must contact the department that processed your claim. If you are still not satisfied after having contacted this department, you may contact our Quality Department, which is responsible for complaints. The address is: Tryg Kvalitetsafdelingen, J22 Klausdalsbrovej 601 DK-2750 Ballerup Tel.: [email protected] If this does not solve your complaint, you may complain to: The Insurance Complaints Board Anker Heegaards Gade 2 DK-1572 Copenhagen V Tel between the hours of 10 am and 1 pm You must submit your complaint to the Insurance Complaints Board on a special form, which may be obtained from our Quality Department or from the Complaints Board. A small fee will be charged for submitting complaints to the Complaints Board. If disputes concerning the insurance agreement are brought before a court of law, they must be settled in accordance with Danish law by Danish courts and in accordance with the provisions of the Danish Administration of Justice Act (retsplejeloven) on the local venue (jurisdiction). YoungLiving / 40 af 41

41 General terms YoungLiving 8. CONTRACTUAL BASIS The insurance agreement with us consists of the policy, the insurance terms and conditions and any policy endorsements. In addition, the insurance is subject to the Danish Financial Business Act (lov om finansiel virksomhed) and the Danish Insurance Agreements Act (forsikringsaftaleloven) unless the latter is derogated from. 9. SUPERVISION AND GUARANTEE FUND FOR NON-LIFE INSURANCE COMPANIES We are subject to the supervision of the Danish Financial Supervisory Authority and are a member of the Guarantee Fund for Non-life Insurance Companies. PRI 0909 (01.15) YoungLiving / 41 af 41