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

21 Books, antiques, works of art, genuine handmade rugs, weapons and highly-collectible items The property will be valued at market value. Damage is valued at what it would cost in general commerce to purchase an equivalent item in a similar condition to the said property at the time of the damage. If there is no equivalent item for sale second-hand, the item will be valued at what it probably would have cost, if it had existed. Collections will be valued in their entirety. VALUATION GROUP 2 Jewellery, pearls, gemstones and objects wholly or partly of precious metal, although not watches of precious metal including bracelets. New equivalent items can be purchased in general commerce: if purchase is made within 6 months, compensation will be equivalent to what it costs in general commerce, although at the maximum cost for buying a new equivalent item from Trygg- Hansa's assigned supplier if purchase is not made within 6 months, compensation will be equivalent to 65% of what it costs in general commerce, although at the maximum cost for buying a new equivalent item from Trygg-Hansa's assigned supplier New equivalent items cannot be purchased in general commerce: Property is valued at no more than what an equivalent second-hand item would cost in general commerce. VALUATION GROUP 3 Clothing, radio, TV, CDs, bicycles, etc. Newer property where compensation is paid at 100%: if purchase is made within 6 months, compensation will be equivalent to what it costs in general commerce, although at the maximum cost for buying a new equivalent item from Trygg- Hansa's assigned supplier if no purchase is made within 6 months, compensation will be paid at 70% of the price of a new equivalent item. Older property where compensation is paid at less than 100%: Compensation is paid as a percentage of the new price for an equivalent item as listed below, calculated from when the property was new. The following compensation levels are based on what the trade generally recommends as depreciation per year for various types of property. If the value has decreased not only due to age, wear and tear or obsolescence but also as a result of reduced usefulness to you or the company, a separate deduction will be made. Compensation levels Shoes newer than 1 year old are compensated at 100%, 1-2 years at 40%, and 2-3 years at 20%. Shoes older than 3 years are compensated at the second-hand price in general commerce. Clothes newer than 1 year old are compensated at 100%, 1-2 years at 60%, 2-3 years at 40%, and 3-4 years at 20%. Clothes older than 4 years are compensated at the second-hand price in general commerce. Spectacles newer than 1 year old are compensated at 100%, 1-2 years at 80%, 2-3 years at 60%, 3-4 years at 40%, and 4-6 years at 20%. Spectacles older than 6 years are entirely written off with respect to wear, change in vision, and obsolescence, etc. Videos, video cameras and ski equipment newer than 1 year are compensated at 100%, 1-2 years at 70%, 2-3 years at 55%, and 3-4 years at 40%. Property older than 4 years is compensated at the secondhand price in general commerce. Page 21 of 36

22 Radio, TV and other equipment for sound and image reproduction, although not computer equipment, CDs, DVDs, bicycles, golf clubs and furs are compensated for items newer than 1 year at 100%, 1-2 years at 100%, 2-3 years at 70%, 3-4 years at 60%. Property older than 4 years is compensated at the second-hand price in general commerce. Wristwatches newer than 1 year old are compensated at 100%, 1-2 years at 100%, 2-3 years at 100%, and 3-4 years at 60%. Wristwatches older than 4 years are compensated at the second-hand price in general commerce. The above rules do not apply if it leads to unreasonable results. Such objects are valued instead according Valuation Group 5, Other personal property below. VALUATION GROUP 4 Food and homemade objects, photographs, film, disc and tape recordings and objects that the insured person made for personal use (e.g., homemade clothes, cooked food and models). New equivalent items can be purchased in general commerce: if purchase is made within 6 months, compensation will be equivalent to what it costs in general commerce for buying a new equivalent item if purchase is not made within 6 months, compensation will be equivalent to 65% of what it costs in general commerce for buying a new equivalent item New equivalent items cannot be purchased in general commerce: You receive compensation for the costs of the raw material. VALUATION GROUP 5 Other personal property Property for which the value due to age, wear and tear or obsolescence has gone down by 30% or less: if purchase is made within 6 months, compensation will be equivalent to what it costs in general commerce for buying a new equivalent item if purchase is not made within 6 months, compensation will be equivalent to what it costs in general commerce for buying an equivalent second-hand item. If the value has decreased not only due to age, wear and tear or obsolescence, but also as a result of reduced usefulness to you or the company, an additional deduction will be made. Property for which the value due to age, wear and tear or obsolescence has gone down by more than 30%: Compensation will be paid at the same rate as it costs to purchase an equivalent second-hand item in general commerce. If the value has decreased not only due to age, wear and tear or obsolescence, but also as a result of reduced usefulness to the insured person or the company, a separate deduction will be made. OTHER VALUATION RULES A claim is valued based on prices at the time when the insured person can determine his or her claim for compensation at the earliest, but no later than two months from the date of the claim. Valuable documents are valued at the loss you suffer at the time of the claim. If damaged property can be repaired, the damage will be valued at the reasonable repair cost. The repair cost may never exceed the compensation the insured person can receive in accordance with the rules previously indicated Compensation rules Claims are assessed in accordance with 1.9 (Claim assessment rules) and compensated as follows. It is the direct economic loss that is compensated. Direct economic loss is not considered to include: emotional value Page 22 of 36

23 loss of work earnings in connection with property damage travel to and from the place of damage/injury problems and inconvenience that may arise the value of the work that you put into photographs, films, recordings, computer programs, models, etc. recreating digitally stored information losses that may arise as a result of an account or subscription being used without authorisation infringement/indirect compensation costs of verifying, confirming and submitting the claim costs of repurchasing property. When property is damaged or lost, the amount of compensation is affected by: age wear and tear modernity usability How we compensate the insured person: Depending on circumstances, compensation may involve repair or restoration of function, cash compensation or replacement, i.e. purchase of identical or equivalent item. For replacement or repair, Trygg-Hansa is entitled to determine where the purchase or repair should be made. Compensation will not be paid at a rate higher than the relevant repair would cost at the purchase or repair location advised by Trygg-Hansa. Credit and debit cards, etc. Cheques, bank books, credit cards, etc. will only be compensated at the cost that may be incurred in order to block the account concerned. If an authorised person uses the account and this causes economic loss to the insured person, such loss/cost is not covered by insurance Invocation of insurance case Trygg-Hansa is not liable to the insured party for any insurance case that he or she brings about as a result of gross negligence or in any part causes intentionally. Note: The insured party is equated to: any other party who has acted with his or her consent any party who, with regard to the insured property, has a material economic connection with the insured party any party who in place of the insured party or together with the insured party had oversight of the insured property. However, any party who was in such a state of mind as referred to in Chapter 30 6 of the Penal Code or who was under 12 years of age is only equated with the insured party if the said person acted with the insured party's consent Breach of regulations If the requirements for prudence are not fulfilled, the compensation may be reduced, unless such carelessness was negligible or of negligible importance to the insurance case. In the event of serious neglect, the deduction may be significant, or compensation may not be paid at all Compensation rules in general On payment of compensation, VAT will be deducted for anyone liable for VAT. Trygg-Hansa is entitled, instead of paying cash compensation, to have the damaged property repaired or provide another equivalent item. Page 23 of 36

24 Trygg-Hansa is not obliged to take possession of the damaged property but is entitled, after valuation, to take possession of a larger or smaller portion of it. If property for which compensation has been paid is found, this is Trygg-Hansa's property and must be handed over to Trygg-Hansa as soon as possible. However, the insured party is entitled to keep the property if he or she repays any compensation received without delay Time for payment of compensation and interest provisions Compensation will be paid within one month of the insured person having fulfilled his obligations under (Claim settlement provisions). If a police investigation is opened that could have significance for the insured party's right to compensation, Trygg-Hansa may defer payment of compensation until the investigation has been completed. Compensation to which the insured party is entitled only after the insured property has been restored or replaced, will be paid no later than 30 days after the insured party has indicated that this has taken place. If the results of a police investigation are awaited, the compensation will be paid no later than 30 days after Trygg-Hansa has received the results of the investigation. During the period in which payment is delayed as a result of this, interest will be paid at the Riksbank reference rate. If compensation is paid later than stated above, penalty interest will be payable in accordance with the Swedish Interest Act. However, interest will not be paid if it is less than one per cent of the base amount. Apart from the interest indicated above, the policyholder is not entitled to compensation for damage or loss due to delay in payment of compensation Claims settlement provisions Reference: With reference to actions required from the insured person in the event of incurred damage/injury or fear that damage/injury may occur, see the General agreement provisions, point 1.6 (Rescue obligation). Claim registration A claim that may involve compensation from Trygg-Hansa must be registered as soon as possible. The claim registration must be signed by the employer and the claimant. In addition, anyone making a claim for insurance compensation must: in the event of theft, burglary, robbery or assault, make a report to the police in the location where the incident happened and submit relevant proof to Trygg-Hansa in the event of damage/injury that occurred during transport or at a hotel, a report must be made to the transport company or hotel submit a detailed demand for compensation to a reasonable extent confirm ownership and the value of the lost property if other insurance is valid for the same claim, inform Trygg-Hansa of this at the request of Trygg-Hansa, submit information and provide supporting documents, evidence, medical certificates and other documents that the company needs to settle the claim at the request of Trygg-Hansa, assist the police in their investigation of the case on request, meet with Trygg-Hansa's staff or agents working on behalf of the company otherwise comply with the safety regulation indicated in the terms in the event of a delay in travel by public transport (delay protection), attach proof from the transport company confirming the length and cause of the delay for missed departure protection with regard to non-rebookable flight tickets, enclose the police certificate, certificate from the traffic officer or breakdown bill, depending on the type of transportation used, confirming the length and cause of delay in the event of cancellation of a business trip, the original cancelled ticket and any medical certificate from the attending doctor must be enclosed to confirm the claim incident. The doc- Page 24 of 36

25 tor must be qualified and impartial. In the event of death, the death certificate must be enclosed with the claim registration when cancelling a business trip as a result of a natural event, the original certificate from the relevant authority must be included. If the claimant fails to register an insurance case without undue delay and this negligence leads to a claim on Trygg-Hansa, the compensation otherwise payable may be completely withheld or reduced by what is deemed reasonable in the circumstances. Regress and double insurance agreement Demands from another insurance company in accordance with the regress and double insurance agreement contracted between insurance companies may be settled by Trygg-Hansa without the claimant having to register the claim. Claims for compensation Claims for compensation must be presented to Trygg-Hansa promptly and no later than six months from the date the claimant became aware of his right to obtain compensation. If the claim is made any later, Trygg-Hansa is exempt from liability. See also General agreement terms point 1.13 Statute of limitations. False statements, etc. If the claimant requesting compensation from Trygg-Hansa, following an insurance case, intentionally or through gross negligence incorrectly states, suppresses or conceals anything relevant to assessment of the right to compensation from the insurance, the compensation otherwise payable may be completely withheld or reduced, according to what is deemed reasonable in the circumstances. The limitation of compensation also applies to any insured parties other than the one who made the false statement Liability insurance for private individuals Insured persons Liability protection applies to the insured person as a private individual in connection with a business trip. The insurance does not cover direct professional or official duties or other gainful activities When the insurance applies The insurance applies to damage that occurs during the period the insurance is in force Insurance amount The maximum amount per claim is SEK 10,000,000 and this applies jointly for personal injury and property damage. The insurance amount constitutes the upper limit for compensation per claim, even when several insured persons are liable for damages. If several claims arise at the same time and for the same reason, this will be treated as one claim. If the insured person is liable for damages for personal injury to a resident of Sweden, the insurance amount is also limited to reasonable compensation for personal injury under Swedish law The insurance coverage Trygg-Hansa's commitment If the insured person receives a demand for compensation for damage/injury that may be covered by the insurance, Trygg-Hansa undertakes, on behalf of the insured party, to: Page 25 of 36

26 investigate whether there is a liability for damages negotiate with the party demanding damages represent the insured party at legal or arbitration proceedings and thereby pay the litigation or arbitration costs which the insured party incurs or is required to pay and which cannot be recovered from the counterparty or any other party pay the damages that the insured party is liable to pay Personal injury and property damage The insurance covers personal injury and property damage and property loss that is a direct result of compensable personal injury and property damage and that affects the same victims. Pure property loss, i.e. economic loss incurred with no link to personal injury or property damage will not be compensated Exceptions The insurance is not valid for: claims for which the insured party has agreed to answer over and above the applicable law of damages damage to property that the insured party has rented, borrowed, worked, repaired or has otherwise been more than temporarily concerned with. This exception does not apply to damage to hotel rooms or other rented accommodation outside the place of business and fixtures therein, although only to the extent that the damage cannot be compensated by other insurance. However, damage due to wear and tear, neglect or intent is not compensated. damage for which the insured party may be held liable as the owner of real estate or apartment, or as the holder of leasehold damage for which the insured party may be held liable as owner, user or driver of a motorised vehicle when the damage occurred as a result of using the vehicle in traffic. This exception does not apply to electric wheelchairs. steamboats, motorboats, or yachts, hovercraft or hydrocopters or aircraft. This exception does not apply to windsurfing boards. Note: However, if the boat is equipped with either an outboard motor of up to 10.0 hp (7.36 kw) or sails with a sail area of no more than 10 m 2, the insurance is valid for personal injury. damage incurred in connection with the insured person committing a wilful act that is punishable by law damage that the insured person caused in connection with professional or official duties or other gainful activities any nuclear damage for which the policyholder can be held liable under the Nuclear Liability Act (1968:45) or equivalent foreign law damage/injury, the origin or extent of which is directly or indirectly caused by or connected with war, warlike events, civil war, revolution, insurrection or riot injury inflicted by the insured person on one of the people covered by the insurance Claims settlement provisions Claim registration A claim that may involve compensation from Trygg-Hansa must be registered as soon as possible. If the insured party is presented with a claim for damages, a compensation claim must be presented to Trygg-Hansa immediately. Page 26 of 36

27 If the claimant fails to register an insurance case without undue delay and this negligence leads to a claim on Trygg-Hansa, Trygg-Hansa can reclaim from the insured party a reasonable part of what the company paid to the injured party Duty to disclose information The insured party is obliged to provide Trygg-Hansa with documents and other information that may be relevant to the claim investigation without delay. If the insured party intentionally or through gross negligence incorrectly states, suppresses or conceals any information relevant for assessment of the claim, the compensation otherwise payable may be reduced, according to what is deemed reasonable in the circumstances Summons and legal representation If the insured person is summoned to court or is informed that this will occur, Trygg-Hansa should be notified of this immediately so that it can appoint legal representation. If the insured person fails to comply with such requirements, a judgement on liability for damages cannot be invoked against Trygg-Hansa, nor can litigation or arbitration costs be remunerated Amicable settlement If the insured person, without Trygg-Hansa's consent, admits liability for damages, approves compensation claims or pays compensation, Trygg-Hansa is exempt from liability unless the claim was clearly legally founded. The insured person if Trygg-Hansa so requests is obliged to participate in any amicable settlement with the injured party. If Trygg-Hansa has expressed its willingness to reach an amicable settlement, Trygg-Hansa is exempt from liability for any subsequent costs incurred, damages or for undertaking any further investigation Penalty interest Trygg-Hansa does not pay any interest that is due to the insured person's delay in fulfilling his obligations as per Legal expenses insurance for private individuals Insured persons This insurance relates to disputes, legal cases or matters (hereinafter jointly referred to as disputes) and applies to the insured person as a private individual in connection with a business trip and only applies to disputes directly linked to the business trips during the period of the insurance. Dispute is understood to refer to a raised claim or demand that is wholly or partly rejected. Rejected means that one party actively refuses the claim When the insurance applies Legal protection is granted if the insurance is in force at the time the dispute arises Where the insurance applies The insurance is valid worldwide Insurance amount The maximum compensation amount per dispute is SEK 200,000. Page 27 of 36

28 If several disputes arise, these will be counted as a single dispute if the disputes are essentially based on the same events or circumstances. A dispute is deemed to exist if the insured party and another insured party are on the same side Excess For each dispute, the excess is SEK 1,000 and 10% of surplus costs What the insurance covers The insurance company's commitment Trygg-Hansa pays in the following cases ( , , ) for disputes any necessary and reasonable legal representation and legal costs that the insured person cannot have paid by the counterparty or another party. The insurance also covers expenses for investigation after the dispute has arisen, but before trial, provided that the investigation is ordered by the insured person's representative and approved in advance by Trygg-Hansa as necessary to safeguard the insured person's rights in the dispute. If the insured person does not employ legal representation, the insurance is not valid. The insurance does not cover criminal cases and does not apply to disputes which may only be examined by administrative authorities, special courts or general administrative courts, such as a county administration board, social insurance court, rent tribunal, the administrative court, administrative court of appeal or the supreme administrative court Disputes without trial The insurance covers the insured person's own costs for legal representation in disputes that can be heard by the district court, the property court, the Swedish water supply and sewage tribunal or water court, or after hearing in such a court is appealed at the court of appeal or supreme court. The insurance also covers dispute in accordance with that can be heard in equivalent courts in other countries. If the dispute is such that it should first be heard and resolved by another instance, only costs that were incurred after such proceedings or adjudication will be paid Disputes with trial The insurance covers litigation costs in disputes in accordance with both the insured person's own costs and any he or she may be obliged to pay as per the court's ruling that arose at specified courts or relevant courts of appeal. In such cases, the policy also applies for new trials but only if the new trial is granted and also rent suits heard by the Svea court of appeal. The insurance covers litigation costs that you undertake to pay to the counterparty at settlement during trial, provided that you can prove it is likely that, due to new circumstances which emerged during the trial, the court would have instructed you to pay court costs at a higher rate than you would have been obliged to pay if the dispute had been examined Disputes with arbitration The insurance covers costs that are ultimately the responsibility of the insured party for arbitration proceedings in disputes in accordance with both his own and those that he or she is obliged to pay following the results of arbitration with the exception of payment for the arbitrators. Page 28 of 36

29 Exceptions Certain disputes The insurance does not apply to disputes: that, for legal examination, must be handled in accordance with Chapter 1 3d paragraph one of the Code of Judicial Procedure ('small claims'). However, this exception shall not be applied to disputes resulting from insurance agreements with Trygg-Hansa associated with divorce or relating to other matters that arise between the spouses at the time of divorce for example, child custody, maintenance, division of property and property rights and corresponding issues in connection with dissolution of cohabiting relationships associated with professional or official duties or other gainful activities that relate to economic measures that are of unusual nature or scope for a private individual that relate to sureties that relate to demands or claims transferred to the insured person unless it is clear that the transfer was effected before the events or circumstances occurred that form the basis for the dispute that relate to the insured person as owner, user or driver of a motorised vehicle, caravan or other towed vehicle, aircraft, ship, steamboat, motorboat or yacht. However, this exception does not apply if the insured person temporarily borrowed or hired such vehicles outside the Nordic region. that relate to damages or other claims due to acts performed by the insured person and that caused suspicion or charges of crimes requiring intent of criminality if the insured person does not show that he or she has legitimate interest in having their case heard Choice of legal representative The insured person must appoint a legal representative who is appropriate for the location where the dispute is to be examined and appropriate for the nature and scope of the dispute. If the insured person appoints a legal representative who does not meet the above requirements, the right to insurance compensation may be withdrawn. The representative must be a member of the Swedish Bar Association or a lawyer employed by such a member or public law firm, or any person who, after consideration by one of Insurance Sweden's boards, is judged to be suitable or equivalent in the relevant country What expenses the insurance covers The insured person can be reimbursed for the following expenses if they are necessary and reasonable and if the insured person cannot recover them from the counterparty or the state. This means that Trygg-Hansa does not pay if the insured person, in or out of court, waives his opportunities to receive compensation from the counterparty. The relevant expenses are: fees and costs for legal representation costs of evidence at trial and arbitration processing costs in court Exceptions The insurance does not pay compensation for: the insured person's own work, loss of income, travel and living expenses implementation of any judgement, decision or agreement Page 29 of 36

30 additional costs incurred if the insured person hires several representatives or changes legal representation or uses a legal representative outside the location where you live or where the case is to be examined payment for arbitrators costs before the dispute arose negligent litigation förslag skriv av villkoret i hemförsäkringen Claims settlement provisions Reclamation To the extent Trygg-Hansa has paid compensation, Trygg-Hansa takes over the right to demand compensation from the counterparty or other party. The insured party must assist to ensure any right of recourse is maintained Costs of legal representation Trygg-Hansa is entitled to call for arbitration from the Swedish Bar Association or review by one of Insurance Sweden's boards of the reasonableness of legal representative's fees and expenses Assault protection (physical injury) Who the insurance covers The insurance applies to the insured person during a business trip during the period the insurance is in force Maximum compensation The maximum sum for disability is the disability sum (capital sum) specified in terms of point 1.5 Insurance amount in the terms and indicated in the policy. Compensation for aids that can alleviate a disability condition or increase the range of motion are paid at a maximum rate of SEK 10,000. For other compensation sums, see below The insurance compensates If the insured person is exposed to any of the follow crimes while on a business trip: assault by intentional physical violence of a significant nature aggravated assault by intentional physical violence rape sexual coercion Compensation will be paid as a lump sum as follows: assault SEK 8,000 more serious assault that is not aggravated SEK 12,000 (assault committed with weapons, for example, repeated kicks to a person on the ground or assault in your home) aggravated assault SEK 30,000 aggravated assault causing life-threatening injury SEK 80,000 rape SEK 100,000 aggravated rape SEK 150,000 sexual coercion SEK 50,000 If the insured is subject to repeated crimes committed by the same perpetrator or by one or more perpetrators at the same time, only one compensation sum will be paid. Page 30 of 36

31 Dental care In addition to these sums, necessary and reasonable expenses for dental care as a result of the assault will be reimbursed, in accordance with the section Dental care in section Medical costs. Continued treatment must be undertaken by a dentist who is a member of the public insurance scheme in Sweden. Disability Compensation is paid for medical and economic disability, see below. Funeral costs If the insured person dies as a result of murder or manslaughter, the insurance pays compensation for funeral expenses, at a maximum of SEK 30,000. Funeral costs are paid to the estate. Exceptions The insurance does not compensate: damage/injury inflicted by the perpetrator in his or her duties and that his employer, under the law of damages, is obliged to pay (the employer's vicarious liability) if the insured person lives with the perpetrator. However compensation may be paid under crisis insurance. if damage/injury relates to, or the insured person was affected by it, when he or she was carrying out or assisting in a criminal act that, according to Swedish law, may lead to a prison sentence Requirement for prudence/safety regulation The compensation may be reduced if the insured person exposes themselves to risk of injury without reasonable cause. It may also be reduced if the insured person exposes themselves to risk of injury due to being under the influence of alcohol, drugs or other intoxicants. Normally, the compensation will be reduced by 25%. However, compensation may be paid if the insured person can show that there was probably no link between the effect of alcohol and the injury. Note: The requirement of prudence does not apply if you are the victim of sexual crime. If the insured person has neglected their obligations under the insurance contract, the insurance compensation will be reduced by a reasonable deduction. The extent of the reduction will be determined by what is deemed reasonable with regard to all relevant circumstances. The key is whether the neglect was committed intentionally or otherwise the degree of negligence. Consideration is given to whether there are extenuating circumstances or if the reduction would be unreasonably large. In the event of serious breach of the insured person's obligations, compensation may be withdrawn entirely. Disability sustained as a result of compensable assault injury Disability means that the assault injury results in permanent impairment of physical function (medical disability) or the capacity for work in the future is permanently reduced by at least 50% as a result of the injury (economic disability). When assessing the degree of disability, a distinction is made between medical and economic disability. Medical disability The insurance compensates: Medical disability: For the future, permanent impairment of your physical or psychological function caused by the assault injury. Disfiguring scar or other disfigurement, permanent pain, loss of sensory function or internal organs caused by an assault injury that required medical treatment. The insurance does not compensate: Injury that did not result in any measurable disability within three years of the assault. More than 100% disability for the same assault injury. Page 31 of 36

32 Scars or disfigurements that did not require medical treatment. Disability compensation under section Disability and death compensation for accidents. Other provisions concerning medical disability The degree of disability is determined with reference to the injuries and symptoms caused by the accident and which can be determined objectively. The determination is independent of the degree to which the claimant's capacity for work was impaired due to the accidental injury. If a lost body party can be replaced by a prosthesis, the degree of disability will be determined with regard to the function of the prosthesis. The degree of medical disability is determined based on the industry-wide set of tables valid at the time of payment. Determination of disfiguring scars or other disfigurements is based on a set of tables established by Trygg-Hansa. If the same assault causes damage to multiple body parts, compensation for the estimated degree of disability is paid at a maximum of 100%. Any injured body part that was not fully healthy and functional before the assault will be discounted from the former degree of disability. Economic disability The insurance compensates economic disability caused by an assault injury that occurs before the age of 55 provided the following is met: capacity for work is permanently reduced by at least 50% the assault injury resulted in medical disability all options for work training and rehabilitation have been investigated The insurance does not compensate economic disability: if the capacity for work is reduced by less than 50% as a result of assault injury that occurs after the age of 55 after the 60th birthday under section Disability and death compensation for accidents. Determining compensation The basis for determining the degree of economic disability will solely be such symptoms and functional impairments caused by the assault injury that can be confirmed objectively by Trygg-Hansa. Only the reduction in any capacity for work used immediately before the assault injury and that would probably have been used if the capacity for work had not been lost will be taken into consideration. The determination is made with respect to the insured person's capacity, despite the assault 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. If the insured person was wholly or partially unable to work at the time of the injury, the maximum compensation payable will be equivalent to the loss of the remaining capacity for work. The degree of disability is determined on the basis of the loss of capacity for work caused by the assault injury. The assault injury must also have caused medical disability before the economic disability occurred and within three years of the date of the injury. Amount of compensation The compensation consists of part of the insurance amount equivalent to the degree of disability. The compensation is determined based on the economic disability, where relevant, or otherwise the medical disability if this leads to higher compensation. If compensation has been paid for medical disability, a deduction will be made for the sum paid. Page 32 of 36

33 The right to compensation The following conditions must be met for entitlement to qualify for economic disability compensation: The capacity for work must be judged to have been permanently reduced for the future by at least 50% The assault injury must have resulted in medical disability Medical and vocational rehabilitation must have been investigated and implemented The attack must occur before the 55th birthday. If death occurs before the right to compensation arises, no compensation will be paid for economic disability Common rules for medical and economic disability Option to review compensation if disability increases If the assault injury means that the insured person's physical function significantly deteriorates or they lose further capacity for work after Trygg-Hansa had made a final decision on the insured person's right to compensation as a result of the assault 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 ten years of the assault injury, has made a written request to Trygg-Hansa for re-examination and provided information on the circumstances that entail the right to re-examination Claim assessment and compensation rules The compensation is determined in accordance with generally applicable legal rules on damages. However, if a court: adjusts the damages due to the perpetrator's personal circumstances (e.g. minority, mental illness or economic conditions) in such cases Trygg-Hansa will pay full damages without adjustment because of consent or for any other reason, imposes a higher amount than dictated by common practice in current law, compensation will be paid up to the amount that would be imposed under the rules of applicable law Claims settlement provisions If the insured person is injured, he or she must provide all the details and documents proving that he or she is entitled to damages and that the person responsible is unknown or unable to pay damages. In order for Trygg-Hansa to be able to pay compensation, the insured person must show that it is likely that it would not be possible to recover compensation from the perpetrator. In order for Trygg-Hansa to be able to determine whether or not the insured person needs to bring an action to trial, it is vitally important that the insured person provides us with all information of importance as soon as possible. Page 33 of 36

34 2 Cancellation insurance additional insurance The business trip insurance also covers cancellation costs as below if this is specifically stated in the insurance policy. 2.1 The scope of the insurance and the insurance amount The insurance covers cancellation of business travel booked for the employee on behalf of the employer (the policyholder) by a travel agency or other provider of travel/events. The insurance covers purchased and non-rebookable tickets (travel/events) that are cancelled before departure from the policyholder's (company's) ordinary place of business. The insurance pays compensation for cancellation costs with regard to the price of the ticket (trip/event) with a deduction for any refund from the transport company/travel organiser on the following conditions: cancellation as a result of accidental injury, acute illness or death that affects the employee or a close relative of the employee cancellation as a result of a sudden and unforeseen natural disaster of major proportions that is considered a catastrophe by the local authority at or near the travel destination the employee intended to visit on business. Compensation is paid only for the cancellation costs not reimbursed by the transport company/travel organiser in accordance with established cancellation provision. Compensation is not paid for flight taxes. The compensation will be paid to the employer (the policyholder). In order for the insurance to be valid, the following applies: compensation is not paid if another insured person employed by the policyholder can travel instead the cancellation must be implemented immediately, the same day or the day after at the latest, when the reason for cancellation becomes known the reason for the cancellation was unexpected for the employee and of such a nature that the employee could not reasonably participate in the trip the reason for the cancellation must be supported by a certificate from a doctor, official body, the police, etc. Maximum compensation sum The maximum compensation sum per cancelled trip/event and person is SEK 25,000. However, the maximum for all the insured persons together is SEK 75,000. Excess The cancellation protection is valid with no excess. Exceptions The insurance is not valid for damage or injury, the origin or extent of which is directly or indirectly caused or linked to the following: war, warlike events, civil war, revolution, insurrection or riot. in connection with nuclear process Claims settlement provisions With regard to registering claims, see Claims settlement provisions. Page 34 of 36

35 3 Definitions Explanations 3.1 Object types Money Money refers to current coins, notes and stamps. 3.2 Other Employee Employee refers to a person who receives remuneration for his or her gainful work and thus receives a statement of earnings from his or her employer. Acute illness Acute illness refers to an unexpected deterioration in health that is not to be regarded as accidental injury. Public transport Public transport refers to travel by train, plane, bus or boat, etc. on scheduled services and taxi, i.e. transport intended to be used for passenger traffic by the public. Economic disability Economic disability is a permanent reduction in the insured person's capacity for work as a result of accidental injury. Capacity for work is considered permanently reduced when all options for work, including other professions, have been considered. One prerequisite for the right to compensation for economic disability to be considered is that the capacity for work is deemed to be permanently reduced by at least 50%. Disability Disability refers to an accidental injury that leads to a permanent reduction in the insured person's physical function (medical disability) or that has reduced his or her capacity for work for the future by at least 50 per cent as a result of the injury (economic disability). When assessing the degree of disability, a distinction is made between medical and economic disability. Medical disability Medical disability is physical or mental impairment that is determined independently of the insured person's profession and working conditions or leisure activities. Such impairment must be objectively verified. Medical disability also covers permanent pain, loss of internal organs and loss of sensory function. If a lost body party can be replaced by a prosthesis, the degree of disability will be determined with regard to the function of the prosthesis. Natural disaster A natural disaster refers to events that are of such magnitude that the local emergency services cannot handle the situation themselves without national or international assistance, for example, earthquakes and hurricanes. Close relative A close relative refers to a husband, wife, registered partner, children, grandchildren, siblings, parents, grandparents, parents-in-law, son-in-law, daughter-in-law, brother-in-law and sister-in-law. It also includes any other person with whom the insured person is living and who is registered at the same address and living in the same dwelling as the insured person. Any person with custody of a child under 18 years of age within this group of people is also deemed a close relative. The parents and siblings of cohabitees and registered partners are classed in the same category in these terms as parents-in-law, brother-in-law and sister-in-law. Page 35 of 36

36 P.I.R report A PIR report (Property Irregularity Report) is created at the airport when you report to the airline that your baggage is delayed. Travel documents Travel documents refers to tickets, passports, lift passes and green fee tickets. Cohabitee Cohabitee refers to a man or woman living and registered at the same address as the insured person, provided that: neither of them is married. they live together in a marriage-like relationship, such as a registered partner. Reasonable costs Reasonable costs refers to a cost that Trygg-Hansa, in light of the circumstances of the individual case, could reasonably expect as customary and usual for the care or treatment received in the location where the cost arose. Theft-prone items Theft-prone items refers to objects wholly or partly made of precious metal, genuine pearls and precious stones antiques, works of art, genuine hand-made rugs, watches, furs and collections consisting of coins, banknotes, stamps, or other objects highly valued by collectors cameras, projectors, binoculars, GPS devices, musical instruments, amplifiers, public address systems, mobile phones, communications equipment, computers and tablets. weapons and accessories, wines and spirits valuable documents Safety regulation Safety regulation refers to a regulation in Chapter 4 6 2nd paragraph of the Swedish Insurance Contracts Act (2005:104) concerning certain specific procedures or devices that are designed to prevent or limit damage/injury or certain specific qualifications held by the insured person or his employees or other associates. In accordance with Chapter 8 12 of the Swedish Insurance Contracts Act (2005:104), the insurance company is exempt from liability if a safety regulation has not been complied with, unless such disregard can be assumed to be of no significance to the damage/injury. If the insured person can show that it is likely that the damage/injury would partially have occurred regardless of whether or not the safety regulation had been complied with, compensation can be paid on this part. Business trip/travel 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 or place of residence. Travel between the insured person's workplace and place of residence is not to be considered business travel. Place of business Place of business refers to an area whose outer boundary lies at a road distance of 50 km (nearest route) from the insured person's workplace or place of residence. Page 36 of 36