Product terms and conditions Business travel insurance

Transcription

1 Product terms and conditions Business travel insurance Version 3 Designation P

2 Contents 1 BUSINESS TRAVEL INSURANCE THE VALIDITY AND SCOPE OF THE INSURANCE Who is covered by the insurance WHEN THE INSURANCE APPLIES WHERE THE INSURANCE APPLIES WHAT THE INSURANCE COVERS INSURANCE AMOUNT EXCESS CARE AND TRAVEL EXPENSES, DISABILITY AND DEATH COMPENSATION, BAGGAGE AND DELAY PROTECTION, CRISIS INSURANCE AND EXCESS PROTECTION Care and travel costs for acute illness or accidental injury Disability and death compensation for accidental injury Safety regulations Baggage protection (All-risk) Delay protection Crisis insurance (treatment cost) Excess protection PLANE ACCIDENTS, WAR RISKS, NUCLEAR DAMAGE AND EVACUATION DUE TO NATURAL DISASTER Plane accident War risks Nuclear damage Evacuation in the event of a natural disaster CLAIM ASSESSMENT RULES Amount of compensation for disability Damage to property (baggage) COMPENSATION RULES Invocation of insurance case Breach of regulations Compensation rules in general Time for payment of compensation and interest provisions CLAIMS SETTLEMENT PROVISIONS LIABILITY INSURANCE FOR PRIVATE INDIVIDUALS Insured persons When the insurance applies Insurance amount The insurance coverage Claims settlement provisions LEGAL EXPENSES INSURANCE FOR PRIVATE INDIVIDUALS Insured persons When the insurance applies Where the insurance applies Insurance amount Excess What the insurance covers Claims settlement provisions ASSAULT PROTECTION (PHYSICAL INJURY) Who the insurance covers Maximum compensation The insurance compensates Claim assessment and compensation rules Claims settlement provisions CANCELLATION INSURANCE ADDITIONAL INSURANCE THE SCOPE OF THE INSURANCE AND THE INSURANCE AMOUNT DEFINITIONS EXPLANATIONS OBJECT TYPES OTHER Page 2 of 36

3 1 Business travel insurance 1.1 The validity and scope of the insurance Who is covered by the insurance The policyholder, as employer, has taken out this insurance policy for all its employees as insured parties, unless otherwise specified in the policy. The policyholder is also insured in accordance with Baggage Protection for property he or she owns, hires or borrows and that he or she takes as an employee on business travel. The insurance also covers travelling companions who are not employees, where this is stated in the insurance policy. The policyholder has the exclusive right to enter into a contract with Trygg-Hansa for amendment or termination of the policy and to accept cancellation of the policy. Trygg-Hansa is entitled, in the event of an insurance case, only to negotiate with the insured party regarding insurance compensation and to pay insurance compensation to the said party. Note: Employed person also refers to the CEO, contracted interns, board members, volunteers and officials when these are working on behalf of the policyholder. The insured person must be permanently resident in a country within the Nordic region (the home country) and must be registered in the social insurance system in his or her home country. Exceptions The insurance does not cover: a person who is permanently resident in a country outside the Nordic region travel to and from the residence/temporary residence and the place of work in the home country a person whose workplace is mainly on ships, trains or aircraft, unless otherwise agreed Specific professions where the insured person has no stationary workplace and regularly performs his/her daily work in different locations, for example, building and construction workers, repairmen, fitters, drivers and agency staff. The insurance does not apply during trips that are part of normal duties. However, this exception may be removed by extending the policy to cover these professions. 1.2 When the insurance applies The insurance is valid unless otherwise agreed for business travel during the insurance period if the insurance was in force from the time the insured person leaves his or her residence or ordinary workplace and ends on return to either of these places, though for no longer than a consecutive period of 210 days, unless otherwise stated in the insurance policy. If the business trip is interrupted for a homeward journey to Sweden, the return trip abroad is counted as the same journey and not as the start of a new trip. Private travel In conjunction with business travel abroad, the policy also applies to private travel. This applies provided that the trip is made in direction connection to or after the business trip ends, and before return to the place of business or place of residence. The trip or stay can be for a maximum of 7 days after the business trip or service has ended. Note: Business trip/travel refers here to a trip/assignment that is undertaken as part of work on behalf of the policyholder. The destination of the trip should be outside the insured person's regular place of business. Place of business refers here to an area whose outer boundary lies at a road distance of 50 km (most direct) from the insured person's workplace Page 3 of 36

4 or place of residence. Travel between the insured person's workplace and place of residence is not to be considered business travel. Additional agreement for short trips Without a separate additional agreement, the insurance does not cover trips involving a shorter road distance than that stated above. However, the insurance can be extended to cover so-called short trips if specifically indicated in the insurance policy. Note: 'Short trip' refers to travel within the specified 50 km boundary. Such trips/assignments must also be carried out in the capacity of employee of the policyholder. 1.3 Where the insurance applies The insurance is valid worldwide, except for those countries/areas to which the Swedish Ministry for Foreign Affairs (UD) advises against travel in whole or part. Exceptions If a business trip to a country/area commences, despite recommendations not to travel issued by the Swedish Ministry for Foreign Affairs (UD), this means that the insurance does not apply to the said country/area. Note: The above relates to the circumstances prevailing at the start of the business trip. For information on which countries/areas the Swedish Ministry for Foreign Affairs (UD) advises against travelling to, see This exception can be lifted in cases where a claim is unrelated to the Ministry's advice. Note: Any references to Sweden in these terms and conditions also apply to any of the other Nordic countries, if the insured person is resident there. War damage Special provisions apply in areas affected by war, war-like events, etc. See (War damage). 1.4 What the insurance covers The insurance covers treatment and travel costs for acute illness and accidental injury and disability and death compensation for accidental injury in accordance with medical expenses, see travel costs, see disability and death compensation for accidental injury see baggage protection, see 1.7.5, delay protection, see 1.7.6, crisis insurance, see 1.7.7, excess protection, see indemnity insurance (Liability for damages) for private individuals, see 1.12 legal protection insurance for private individuals, see 1.13 assault protection (physical injury), see Special provisions There are special provisions for plane crashes, war risks and nuclear damage, see Insurance amount The insurance covers necessary and reasonable costs for medical and travel expenses and travel interruption as follows: Page 4 of 36

5 medical and dental treatment costs for accidents for a maximum of 5 years for acute illness for a maximum of 60 days travel in connection with care and treatment additional costs related to the insured person's homeward journey or a relative's journey to a seriously ill or seriously injured person a new outward journey or rebooked journey additional cost for food and accommodation travel interruption additional costs for homeward journey a new outward journey or rebooked journey In general, the insurance applies with the following insurance amount per insured person, unless otherwise stated in the insurance policy: the disability sum (capital sum) due to an accident resulting in 100% disability before the age of 65 is SEK 700,000 kronor (unless otherwise specified in the policy), and for 100% disability after the age of SEK 65 is SEK 100,000 death sum (capital sum) due to an accident is SEK 200,000. This sum may be increased. for baggage protection for personal property and property belonging to the company, the insurance amount is a total of SEK 40,000. This sum may be increased. of the insurance amount for personal property and property belonging to the company as above, the insurance amount for theft-prone items is a total of SEK 20,000. This sum may be increased. for travel documents, the insurance amount is SEK 15,000. This sum may be increased. for money, the insurance amount is SEK 4,000. This sum may be increased. for baggage delay, the insurance amount is SEK 3,000. Unless otherwise stated in the insurance policy. The insurance amount is doubled after a total of 48 hours. for a travel delay of more 4 hours, the insurance amount is SEK 3,000 for missed departure protection, the insurance amount is SEK 25, Excess The insurance is valid unless otherwise stated in the insurance policy without an excess for all elements of the policy, except 1.13 (Legal protection insurance for private individual). 1.7 Care and travel expenses, disability and death compensation, baggage and delay protection, crisis insurance and excess protection Care and travel costs for acute illness or accidental injury With the application of the stated restrictions and exceptions as per below, if the insured person during a business trip is affected by an acute illness or suffers an accidental injury, compensation will be paid for necessary, reasonable and verified care costs (medical costs and dental costs) as per below travel costs (local travel expenses, homeward journey, return journey, food and accommodation, etc.) as per below suffers an accidental injury that lead to disability or death, disability and death compensation will be paid as per below. The concept of acute illness Acute illness refers here to an unexpected deterioration in health that is not to be regarded as accidental injury. Page 5 of 36

6 The concept of accidental injury Accidental injury refers to: Physical injury sustained by the insured person involuntarily through sudden external event, an extrinsic force against the body. If a physical defect (illness, pathological change, deformity and disability) already existed when the accident occurs or it sets in later, unrelated to the accidental injury, and it can be assumed that the physical defect causes the effects of the injury to worsen, compensation will only be paid for the effects arising independently of the physical defect and solely owing to the accidental injury. Accidental injury also includes: frostbite heatstroke sunstroke infection due to insect bite Achilles tendon rupture and torsional knee strain Accidental injury does not include: dental injury from biting and chewing injury arising due to infection by bacteria, viruses or other infectious agents injury arising from the use of medical preparations, surgery, treatment or examination not occasioned by accidental injury covered by this insurance health deterioration that occurs after the accident if this deterioration, according to medical assessment, would likely have arisen even if the accident had not occurred. Limitation There are special provisions for plane crashes, war damage and nuclear damage, see Medical expenses Healthcare expenses Compensation is paid for necessary and reasonable costs for care and treatment by a qualified doctor, hospital care and treatment and remedies prescribed by a doctor for healing. The compensation is limited for: acute illness to costs up to 60 days from the first doctor's visit accidental injury to costs incurred within 5 years from the date when the accidental injury occurred. After 60 days, only the costs of healthcare in Sweden will be compensated. Compensation for medical expenses is not paid after definitive medical disability compensation has been paid by any insurance policy. Dental costs Compensation is paid for necessary and reasonable expenses for temporary treatment of acute dental problems during a trip performed by a dentist at the place of stay. Dental problems refers, for instance, to damage to dentures that were in place in the mouth when damaged. If the insured person's teeth are damaged in an accidental injury, compensation will also be paid for treatment carried out by a dentist at the place of residence in Sweden within 5 years of the accident. Treatment and costs must be approved in advance by Trygg-Hansa. For treatment involving a single implant, compensation will be paid up to a maximum of 50% of the price base amount. For implants in the form of bridgework, compensation will be paid at a maximum of 50% of the price base amount per implant support. The maximum compensation is 1 price base amount for the entire implant treatment. The relevant price base amount at the time of payment is applied. Page 6 of 36

7 Damage to a fixed denture is compensated as per the rules for damage to a natural tooth. This also applies to removable dentures damaged when in place in the mouth. Once the policy has paid insurance for final treatment of the dental injury, no further compensation will be paid. However, compensation can be paid if there is deterioration that could not have been predicted at the time of final treatment, and this is the result of the accidental injury. This must take place within 3 years of completion of the final treatment. For temporary treatment of acute dental problems and injuries resulting from chewing or biting, the compensation is limited to SEK 3,000. Note: For dental care that in Sweden would have been reimbursed by Försäkringskassan or the County Council, e.g. due to occupational injury, the insured person must initially contact Försäkringskassan/the County Council for compensation. LIMITATION If pathological or other changes normal for their age are present at the time of the accidental injury, compensation will only be paid for the injury that it is assumed would have been the result if the changes had not been present when the injury occurred. Injuries caused by chewing or biting are not counted as accidents and are not compensated. However, compensation is payable for temporary dental treatment carried out at the place of stay as below. Additional costs for food and accommodation, plus certain travel expenses In connection with otherwise compensable injury due to acute illness or accidental injury, compensation is paid for the injured person and any insured companion covered by the insurance, as follows: for necessary and reasonable additional costs, as per receipt, for accommodation outside the place of residence additional costs for food up to a maximum of SEK 200 per day and person. This applies if a qualified and impartial doctor prescribes an extension of stay or change of accommodation. If the business trip is undertaken by plane and the flight tickets for the return journey cannot be rebooked, compensation will be paid for necessary and reasonable ticket costs due to the illness or accidental injury causing an extension of the length of time at the place of stay. Expenses must be approved by SOS International or Trygg-Hansa and be verified by original receipts. LIMITATION Compensation is paid up to 60 days from the first doctor's visit Travel costs for acute illness or accidental injury Travel in connection with medical and dental treatment The following travel costs are included: If the insured person needs to travel to get medical or dental care, compensation will be paid for local travel costs. If the insured person has to travel home to seek medical care in Sweden during a stay abroad, compensation will be paid as per Additional costs for homeward journey to the place of residence, below. Additional costs for homeward journey to the place of residence If a qualified and impartial doctor at the place of stay abroad deems that the insured person must return to the place of residence in Sweden for continuing care, compensation will be paid for the additional costs for the homeward journey. Both the necessity of the homeward journey and the means of transport must be stipulated by the doctor at the place of stay and approved by SOS International A/S or Trygg-Hansa. Page 7 of 36

8 Repatriation of the deceased or burial on site If the insured person dies during a business trip, Trygg-Hansa will pay the cost of repatriating the deceased by plane, car, train or boat. LIMITATION In the event of death outside Sweden, instead of repatriation to the place of residence in Sweden as above, the funeral costs at the place of stay can be paid, up to a maximum of SEK 30,000. Journey by close relative to a seriously ill or deceased person If the insured person suffers an acute illness or suffers an accidental injury abroad and a doctor judges the condition to be life-threatening, Trygg-Hansa will pay any necessary and reasonable costs for ticket and living expenses for two close relatives to travel from Sweden and back again. The same applies if the insured person dies abroad and the funeral takes place at the place of stay. Travel from countries other than Sweden can be paid up to the value of what it costs to travel from Sweden and back. A new outward journey or rebooked journey If the insured person, in the opinion of a qualified and impartial doctor, cannot carry out his work due to acute illness or accidental injury that occurred during a business trip, Trygg-Hansa, after approval, will pay compensation to the employer for ticket costs for: the substitute's outward journey if the employer, for commercial reasons, needs to replace the insured person with another person a new outward journey for the insured person if they resume work after recovery and for the substitute's homeward journey. Homeward journey in the event of a relative's illness/serious accidental injury/death Trygg-Hansa will pay compensation for necessary and reasonable additional costs for a return journey to the place of residence in Sweden via scheduled transport services if the insured person is forced to interrupt his or her travel earlier than expected due to a close relative or close work colleague in the place of residence or a work colleague who is on the trip and is covered by the same insurance dies or is affected by an acute illness or suffers a serious accidental injury. The condition must be judged by a doctor to be life-threatening. LIMITATION Compensation for the necessary return journey will only be paid if the insured person arrives home at least 48 hours before the intended and planned return. COMPENSATION The insurance also includes reimbursement to the employer for ticket costs if travelling via scheduled transport services for: the substitute's outward journey if the employer, for commercial reasons, needs to replace the insured person with another person, or a new outward journey for the insured person if they resume work after the close relative has recovered or died and for the substitute's homeward journey. Homeward journey due to significant damage to the private residence Trygg-Hansa covers necessary and reasonable additional costs for the return journey to the place of residence in Sweden via scheduled transport services if the insured person is forced to break off the trip earlier than expected due to: significant damage to the insured's personal property at his or her ordinary residence in Sweden due to fire or other serious unforeseen event. The homeward journey must be approved in advance by Trygg-Hansa. LIMITATION Compensation for the necessary return journey will only be paid if the insured person arrives home at least 48 hours before the intended and planned return. Page 8 of 36

9 COMPENSATION The insurance also includes reimbursement to the employer for ticket costs if travelling via scheduled transport services for: the substitute's outward journey if the employer, for commercial reasons, needs to replace the insured person with another person, or a new outward journey for the insured person if they resume work and for the substitute's homeward journey Disability and death compensation for accidental injury If the insured person suffers an accidental injury and this leads to permanent disability or death, compensation will be paid for: medical or economic disability death. Insurance amount The insurance amounts lump sums for disability and death are listed in the insurance policy document. Limitation Disability compensation can never be paid for both medical and economic disability. If the insured person's health deteriorates due to a physical defect (illness, pathological change, deformity or disability) that either already existed at the time of the accidental injury or that arose later unrelated to the accidental injury, no compensation will be paid for the disability caused by the deterioration. Note: The insured person must have seen a doctor who issued a medical certificate during the business trip or otherwise be able to prove the accidental injury occurred during the trip. The concept of disability Disability means that the accidental injury led to future permanent impairment of the insured person's physical function for the future or his or her capacity for work for the future was reduced by at least 50 per cent as a result of the injury. When assessing the degree of disability, a distinction is made between medical and economic disability Entitlement to disability compensation The right to disability compensation arises if the accidental injury has caused a permanent impairment of the insured person's physical function and the condition is steady and not life-threatening. Steady means that the condition will not change either for better or worse. One prerequisite for the right to disability compensation is that the accidental injury must have occurred during the time the insurance was valid and that medical disability must have occurred within 3 years of the insurance having been valid at the latest. With medical disability, the right to disability compensation arises no earlier than 12 months after the accidental injury occurred. However, the disability assessment may be deferred as long as this is necessary according to medical assessment or with respect to the available rehabilitation options. If the insurance is no longer valid when the definitive degree of disability is to be assessed, only the direct effects of the accidental injury that occurred when the insurance was valid will be taken into account. Page 9 of 36

10 If, once the disability status has arisen, the definitive medical degree of disability still cannot be assessed, an advance will be paid to the insured person when possible. This will correspond to the degree of medical disability that can be determined. For final disability assessment, a sum corresponding to the percentage increase in the level of compensation will be paid. The index at the time of payment will be applied. The compensation will be paid to the insured person. If death occurs before the right to disability compensation has arisen, no disability compensation will be paid. If the right to disability compensation has arisen, the sum is paid that is equivalent to the confirmed definitive medical disability that is assumed to have existed at the time of death. Right to re-examination If the accidental injury means that the insured person's physical function significantly deteriorates after Trygg-Hansa had made a final decision on the insured person's right to compensation as a result of the accidental injury, the insured person is entitled to have the degree of disability re-examined due to the new circumstances. Re-examination is permitted if the insured person, within 10 years of the accidental injury, has made a written request to Trygg-Hansa for re-examination and provided information about the circumstances that entail the right to re-examination. Disability aids In addition to the compensation for disability as determined by the degree of disability, compensation is also paid for any assistance and rehabilitation aids that doctors deem necessary to alleviate a disability condition and which are not covered elsewhere by law or specific statute, such as through municipal or county council assistance, or other insurance. Maximum compensation Compensation will be a maximum of SEK 50,000 of costs pre-approved by Trygg-Hansa. Compensation is paid for a maximum of 5 years from the occurrence of the accidental injury. This is provided the measures are taken during the time when the insurance is valid. Compensation for disfiguring scars from accidental injury The insurance compensates scars or other disfigurements caused by accidental injury that required medical treatment. Compensation can only be paid if the injury is so serious that medical treatment is required. It is not sufficient for a doctor to simply look at the injury if this is not followed by any treatment. Treatment here refers to a wound that needs to be sewn or taped, for instance. Compensation will be paid according to a table drawn up by Trygg-Hansa valid at the time of payment. The right to compensation only arises after completion of treatment and once any scar or disfigurement is deemed to be permanent, but no earlier than one year from the date of injury. Exceptions The insurance does not compensate: an injury that did not require medical treatment a scar or disfigurement resulting from accidental injury that occurred before the initial date of the policy Entitlement to death compensation There is a right to death compensation if the insured person, as a result of the accidental injury, dies within 3 years. Insurance provider For death insurance, the insurance provider is Holmia Livförsäkring AB ( ) Box 50, SE Stockholm, Sweden. Page 10 of 36

11 Amount of compensation The death sum is specified in the insurance policy. Beneficiaries The compensation is paid to the insured person's estate, unless specific beneficiary arrangements have been notified to Trygg-Hansa. A special beneficiary form can be ordered from Trygg-Hansa Exceptions The following exceptions ( ) apply generally to (Medical costs), (Travel costs) and (Disability and death compensation in the event of accident). Page 11 of 36

12 Heath/Care needs Compensation is not paid for: care, travel or other costs due to care needs that existed before the insured person commenced the business trip. However, compensation can be paid if the health of the insured person deteriorates acutely during the business trip and this could not have been predicted. Compensation is then paid for the additional cost resulting from the deterioration care, travel or other costs in connection with illness or accident that is predictable before departure from Sweden costs that can be reimbursed by the public social insurance scheme additional costs owing to pathological or age-normal changes care, travel or other costs caused by childbirth or pregnancy beyond week 28. cost of transport home or other transport occasioned by the insured person's fear of infection vaccinations, preventive healthcare and regular dental care refers to private medical care in the Nordic region Mode of transport Compensation is not paid for: costs of ships or planes having to alter route due to the insured person's injury or illness Activities Compensation will not be paid for costs associated with acute illness or accidental injury that is sustained when the insured person was taking part in: boxing, kickboxing, Thai boxing, shootfighting or K1 mountaineering, scuba diving (if the insured person has a valid international diving certificate, however, the insurance is valid), skydiving, gliding and paragliding, hang-gliding, bungee jumping, and participating in expeditions or other risky ventures sports, sports competitions or organised training, as a professional sportsman. This means that more than half of the gainful income comes from practising the sport. competition or organised training prior to competition involving a motor vehicle when licence insurance applies Other Compensation is not paid for costs: relating to lost income from work that have been or can be approved as an occupational injury can be compensated elsewhere by law, statute, convention or other insurance Safety regulations The insurance applies with the following safety regulation and penalty (reduced compensation) if the requirements are not complied with Penalty when the safety regulation/requirement for prudence is not complied with In order for the compensation not to be reduced as per the above, the following safety regulation/requirement for prudence must be complied with: the insured person must not have misused pharmaceuticals or used alcohol, drugs or other intoxicants and as a result suffered an acute illness or an accidental injury. Page 12 of 36

13 Normally, the compensation will be reduced by 25%. However, no reduction in compensation will be effected if the insured person can show that there was probably no link between the influence of alcohol and the injury Baggage protection (All-risk) What the insurance covers The insurance covers damage to baggage during a business trip caused by a sudden and unforeseen event. Damage also refers to loss. Note: Suddenness means that the event causing the damage had a relatively quick process. The fact that the event was unforeseen means that it must have occurred unexpectedly, and that it is not normally possible to predict and thereby prevent such events. Damage due to wear and tear, for instance, or age will not be compensated. Insurance amount The insurance applies with the insurance amounts specified in point 1.5 (Insurance amount) unless otherwise stated in the policy. Insured property The insurance is valid for baggage that the insured person owns, rents or borrows, consisting of personal property including theft-prone items travel documents and money however only to the extent compensation is not available through other insurance or agreement. Property that is not covered The insurance does not cover: motorised vehicles (e.g. car, motorcycle, moped), caravans or other towed vehicles. However, electric wheelchairs are covered by the insurance steamboats, motorboats, jet skis, yachts or windsurfing boards hovercraft, hydrocopter, aircraft, balloons or similar craft. The insurance does not cover parts or equipment for the above vehicles and craft. goods intended for sale, tools, and sample collections tools, measuring instruments, working materials and similar aids within the construction sector exhibits and materials for exhibition animals household effects when moving drawings, records and data, and software licences Exceptions What the insurance does not cover: Money, travel documents or theft-prone items claims for money, travel documents or theft-prone items that was forgotten, lost or misplaced, even if the property is subsequently stolen or damaged. Note: Forgotten, lost or misplaced also refers to the property having disappeared without the insured person knowing how with any likelihood. claims for money, travel documents or theft-prone items when such property was submitted for transport or check-in. However, compensation can be paid for theft-prone items if the Page 13 of 36

14 property, due to its size and/or weight, was rejected as hand luggage. The maximum compensation per piece of luggage is SEK 10,000. Property in or on a motorised vehicle The insurance does not cover: claims for money or travel documents left in or on a motorised vehicle claims for theft-prone items left in or on a motorised vehicle when parked overnight claims for personal property left in or on a motorised vehicle, caravan or boat at an airport, railway station, port, etc. Suitcases and sports equipment, etc. The insurance does not cover: damage due to abrasion, wear or self destruction superficial damage to suitcases or similar such as dents, scratches, etc., without significant impact on usability damage due to inadequate or inappropriate packaging damage due to liquid or messy substances inside the luggage leaking out damage to sports equipment during use (however, compensation is paid in the event of theft) Other The insurance does not cover: damage that can be compensated by other insurance, transport company, hotel, or similar property damage in a hotel room/apartment occupied by the insured person, if the act was performed by a person that the insured person had given permission to stay in the room/apartment. Special rule (theft-prone items) The exceptions and safety regulations/requirement for prudence (see ) that apply to theft-prone items are only applied if the total replacement value for the theft-prone items that was stolen or damaged amounts to more than SEK 1, Safety regulations The insurance applies with the following safety regulation and penalty (reduced compensation) if the requirements are not complied with. In order for the compensation not to be reduced as per the above, the following safety regulations must be complied with: property must be handled and stored in an appropriate manner for the circumstances to prevent it being stolen, lost or damaged. an example of this is that the property must not be left visible to unauthorised persons and, if possible, be protected in a suitable location, for example, in a cabinet, drawer, etc. when the insured person leaves the property in a vehicle, at work, or in temporary accommodation such as a bungalow, apartment, hotel room, passenger cabin or equivalent, the doors must be locked and windows closed and locked. If the property consists of money, travel documents and theft-prone property, these must be kept locked in a safety deposit box/safe. If the size of the property makes it impossible to lock up as specified above, or if there is no safety deposit box/safe, it must be locked into a suitcase, cabinet, drawer, etc. Penalty (reduced compensation) Page 14 of 36

15 If the requirements for prudence are not met, the compensation may be reduced, or not paid at all, in accordance with 1.10 compensation rules Delay protection Baggage delay The insurance pays compensation if the insured person on a business trip on the outward journey from the Nordic region has checked in baggage and this is delayed after the insured person's arrival at the destination. Compensation is paid for reasonable additional expenses relating to the purchase of necessary clothing and toiletries for the purpose of the trip up to the insurance amount specified in the policy. If the luggage has not been returned within 48 hours, additional compensation will be paid up to double the insurance amount specified in the policy. The purchases must be made in direct connection with the delay and before the baggage is returned. The delay must be confirmed by a P.I.R report and all costs/expenses must be incurred at the place where the delay occurred or the place of stay. Such costs must be confirmed with the original receipts, or compensation may be reduced or not paid at all. Exceptions The insurance does not cover delay due to intervention by customs authority or other authority Delayed baggage on homeward journey If checked-in baggage is delayed on the homeward journey and the insured person is to commence a new business trip within 48 hours of returning home, compensation for necessary and reasonable additional costs for the purchase of clothing and personal care items will be paid if the baggage has not been returned before the new business trip is to be undertaken. The new business trip must be confirmed with travel documents/tickets and the delay confirmed by a PIR report for such compensation to be provided. Maximum compensation The maximum compensation amount per insured person for each claim is SEK 1, Public transport delay Once a business trip has commenced, the insurance pays compensation if any public transport by which the insured person travels is delayed by more than 4 hours to the destination. Compensation is paid for the insured person's necessary and reasonable additional expenses relating to board (food and drink) and accommodation. Maximum compensation The maximum compensation amount per insured person for each claim is SEK 3,000. Any purchases and overnight accommodation must be in the place where the delay occurred and be confirmed by original receipts. Exceptions The insurance does not apply in the event of delay due to bankruptcy or government intervention, lockout, strike, or other employer or union representative actions. Page 15 of 36

16 Missed departure protection The insurance covers necessary and reasonable additional costs for the insured person during a business trip, both outward and homeward, to be able to join the business trip that cannot be rebooked, if the insured person is delayed in getting to the airport, train station or bus stop due to: public transport being delayed due to the weather, technical failure or accident traffic accident involving a private car that the insured person is travelling in. The accident must require breakdown services and occur during the direct journey to the place of departure. other traffic accident where the insured person can prove that the accident requiring breakdown services is the cause of the missed departure. The insured person must have commenced the connecting journey in plenty of time so that the insured person would normally have managed to check in themselves and their luggage in advance as required by the travel provider. The insured person must have been at the airport no later than two hours before departure. If the insured person had not commenced the connecting journey in good time in accordance with what is stated above, no compensation can be paid. If connection is not possible, Trygg-Hansa can instead pay compensation for new comparable tickets to complete the journey. Limitation Only an event that can be confirmed by a certificate from the police or traffic officer for public transport is covered. Exceptions The insurance does not apply in the event of delay due to lockout, strike, or other action by employer or union representatives. Nor is delay due to intervention by customs authority or other authority covered. Maximum compensation The maximum compensation amount per insured person for each claim is SEK 25, Crisis insurance (treatment cost) What the insurance covers The insurance provides reasonable compensation for treatment/therapy costs for the insured person if, during the business trip, they suffer an acute mental crisis by witnessing or being personally affected by a sudden and unforeseen event in the form of: a robbery, intimidation or assault accidental injury other traumatic event such as fire, burglary, explosion, traffic accident, natural disaster, hijacking or terrorist attack Note: Accidental injury refers to physical injury by sudden external event, an extrinsic force against the body Where the insurance applies The insurance covers injury that occurs during business travel to the countries/areas listed in 1.3 Where the insurance applies Excess The insurance is valid with no excess. Page 16 of 36

17 Insurance amount and scope The insurance covers the treatment cost (fees) for counselling or psychological consultation. The treatment should be provided by a registered psychologist/therapist and approved in advance by Trygg-Hansa. Travel costs to and from treatment The insurance covers reimbursement for the insured person's necessary and reasonable travel expenses to and from treatment. Maximum compensation The maximum compensation per insured person and claim is capped at 10 treatments (treatment sessions). However, compensation including travel costs is capped at a maximum of SEK 20,000. The period during which treatment assistance can be offered is limited to 12 months after the injury has occurred. Exceptions The insurance does not cover treatment costs that: arose in connection with the insured person having performed or participated in a wilful act punishable under Swedish law can be compensated elsewhere by law, statute, convention or other insurance Claims settlement provisions Any damage/injury that results in a claim for compensation from Trygg-Hansa must be registered as soon as possible and no later than 1 year after the damage/injury occurred as specified in Excess protection What the insurance covers The insurance covers compensation for excess costs for: compensable property damage according to Swedish home insurance terms compensable damage according to Swedish car insurance terms as per scope specified below. Compensable damage according to Swedish home insurance terms The following terms apply for compensable damage according to Swedish home insurance terms: If, during a business trip abroad, sudden and unforeseen damage occurs at the insured person's uninhabited permanent residence in Sweden that is wholly or partially compensated by the insured person's home insurance, compensation will be paid at a sum equivalent to the excess that applies for the damage in accordance with the home insurance policy. Maximum compensation Compensation will be paid at a maximum of SEK 10,000. Limitation One prerequisite for compensation to be granted is that the damaged property must be fully insured and that the damage incurred has been compensated according to a relevant Swedish home insurance policy. Exceptions The insurance does not cover: compensation for damage to or in secondary space to the permanent residence damage caused by someone who is part of the insured person's household. Page 17 of 36

18 Compensable damage in accordance with Swedish car insurance terms The following terms apply for compensable damage according to Swedish car insurance terms: If, during a business trip abroad, sudden and unforeseen damage occurs to the insured person's private car in Sweden that is wholly or partially compensated by the insured person's car insurance, compensation will be paid at an amount equal to the excess that applies for the damage in accordance with the car insurance policy. However, one prerequisite is that the car must not have been used by another person in the absence of the insured person. The insurance also includes excess protection for damage to your own car when used for business travel. Compensation is paid for the excess deducted from the insurance compensation. Maximum compensation Compensation will be paid at a maximum of SEK 10,000. Limitation One prerequisite for compensation to be granted is that the car must be fully insured and that the damage incurred has been compensated according to a relevant Swedish car insurance policy. If you take your private car with you, the insurance only applies for trips lasting a maximum of 30 days. Exceptions The insurance is not valid for: damage covered by the car's legal expenses insurance business interruption insurance loss of bonus loss of vehicle use compensation or cost of hire car. 1.8 Plane accidents, war risks, nuclear damage and evacuation due to natural disaster Plane accident The insurance applies during flights provided that the insured person is a passenger on an internationally-registered aircraft. 'Passengers' only refers to those people on board who do not have or perform any task associated with the flight War risks If the insured person is staying in an area affected by war, warlike events, civil war, revolution, insurrection or terrorism, the insurance only applies if the insured person does not participate in the war or other aforementioned disturbances or get involved as a reporter or similar. However, the insurance does not apply to damage that can be compensated in accordance with point 1.14 Assault protection (physical injury). In the same circumstances, compensation is also paid for: necessary additional expenses for homeward journey, but not for participants on an organised tour as described in the Travel Guarantee Act. loss of baggage due to the property being confiscated or where the insured person is forced to leave his or her baggage behind due to evacuation or similar event. MAXIMUM COMPENSATION The maximum compensation amount per insured person for necessary additional costs for homeward journey are, for each claim, limited to SEK 75,000. Page 18 of 36

19 The insurance amount for war injuries is limited in the event of disability and death to SEK 400,000 for disability SEK 200,000 for death Nuclear damage Accidents where the origin or extent is related to a nuclear process or radioactive decay are only covered by the insurance if the nuclear process or radioactive decay is not linked to military activities in which the insured person participates. MAXIMUM COMPENSATION The insurance amount for nuclear damage is limited to: SEK 400,000 for disability SEK 200,000 for death. EXCEPTIONS The insurance is not valid for: injury by act of terrorism related to a nuclear process or radioactivity. Terrorism/act of terrorism Act of terrorism refers to actions involving the use and/or practice of violence, force or threat thereof, committed by an individual(s) or group of individuals, regardless of whether the act is committed on its own behalf, in dealings with or on behalf of an organisation(s) or government(s) and the purpose(s) or reason(s) are political, religious, ideological, and/or ethnic and where the act is intended to strike terror in the population or group of individuals or coerce government(s), authority(s) or organisation(s) to undertake or refrain from implementing specific action or otherwise influence their actions or decisions Evacuation in the event of a natural disaster The insurance covers necessary and reasonable additional travel and accommodation expenses on the trip if the insured person is forced to relocate or return home due to natural disaster. The insurance also covers expenses for travel and subsistence expenses when a government agency or the Swedish Ministry for Foreign Affairs (UD) orders evacuation. MAXIMUM COMPENSATION: The maximum compensation amount per insured person for each claim is SEK 75, Claim assessment rules The amount of compensation for disability and the amount of compensation for damage to property is determined in accordance with the following rules (1.9.1 and 1.9.2) Amount of compensation for disability Disability compensation consists of part of the insurance amount for disability equivalent to the degree of disability for disability at the age the insured person had reached at the time of the accident. Disability compensation is determined based on the economic disability, where relevant, or otherwise the medical disability. However, this determination must be based on the medical disability where this would lead to higher disability compensation. Where the insured person had reached 55 years old by the time of the accident, only compensation for medical disability will be paid. If the functional capacity can be improved by the use of a prosthesis, the degree of disability will be determined taking into account the prosthesis. Page 19 of 36

20 The determination is independent of the degree to which the insured person's capacity for work is impaired. Compensation for economic disability Where the accidental injury has resulted in permanent impairment of the insured person's capacity for work by at least 50 per cent, according to the insurer's assessment, disability compensation will be paid. One prerequisite for this is, however, that the accidental injury must have led to the said loss of capacity for work within 5 years of the date of injury. Where the insured person at the time of injury has reached 18 years of age, the economic disability must have arisen within 10 years of the accidental injury having occurred. The accidental injury must have occurred during the period when the insurance was in force and before the 55th birthday, and have led to economic disability before the 60th birthday. The basis for determining the degree of economic disability will solely be such symptoms and functional impairments caused by the accidental injury as can be confirmed objectively by Trygg-Hansa. Only the reduction in any capacity for work used immediately before the accidental injury and that would probably have been used if the capacity for work had not been lost will be taken into consideration. This determination is made with respect to the insured person's capacity, despite the accidental injury, to carry out his or her normal work or other work corresponding to his powers and abilities and that may reasonably be required of him with respect to age, previous training and activities, retraining or similar measures, and home circumstances. Capacity for work is considered permanently reduced when all options for work, including other professions, have been considered. All options for rehabilitation must also have been investigated. The degree of disability is determined on the basis of the loss of capacity for work caused by the accidental injury. The accidental injury must also have caused medical disability before the economic disability occurred and within 3 years of the date of the injury. Compensation for medical disability When the accidental injury has caused permanent impairment of the insured person's physical function and the condition is steady, disability compensation will be paid. One prerequisite for the right to compensation is that the accidental injury must have caused some measurable disability within 3 years. However, final assessment will only be made once the degree of disability has been definitively determined and within 3 years of the date of injury at the latest. The degree of medical disability is determined based on the industry-wide set of tables valid at the time of payment. If the accidental injury has caused injuries to several parts of the body, so that the total degree of disability exceeds 100 per cent, the compensation will be capped at 100% of the insurance amount Damage to property (baggage) Damaged and lost property is valued according to the same rules and as follows. The company's property The property is valued according to Trygg-Hansa's terms for Company insurance, point 1.10 (Claim assessment rules). Personal property Property is divided up, from a valuation and compensation perspective, into various valuation groups as below. How property is valued depends on the valuation group to which the object belongs. VALUATION GROUP 1 Page 20 of 36