General terms and conditions for voluntary health insurance

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1 Generali Osiguranje Srbija a.d.o. Milentija Popovića 7b Beograd / Srbija T F generali.rs General terms and conditions for voluntary health insurance I OPENING PROVISIONS Article 1 (1) These General Terms and Conditions for Voluntary Health Insurance (hereinafter: General Terms and Conditions) are an integral part of the Voluntary Health Insurance contract (hereinafter: insurance contract), the Policyholder concludes voluntarily with the insurance provider Joint Stock Insurance Company GENERALI OSIGURANJE SRBIJA Belgrade, which organizes and implements the Voluntary Health Insurance (hereinafter: Insurer). (2) General Terms and Conditions define the rights and liabilities of the Policyholder, the Insured and the Insurer, depending on the type of the concluded contract on Voluntary Health Insurance. II DEFINITIONS Article 2 (1) Certain terms in these General Terms and Conditions have the following meanings: 1) Insured - a natural person who concluded an insurance contract, or for whom an insurance contract is concluded with the Insurer, on the basis of his consent, except in case of group insurance, and who, in case the insured event occurs, uses the rights stipulated by the insurance contract; 2) Family members - spouse or extramarital partner and children of the Insured, if they are listed in the policy and if the premium is paid for them. Children are the children born in wedlock or out of wedlock, adopted children, foster children and children adopted until the age of 18, or until the age of 26, in case they are students; 3) Insured person - Insured (insurance carrier) and family members of the Insured; 4) Person with compulsory health insurance (hereinafter: person with compulsory health insurance) - Insured or family member of the Insured who holds the rights from the compulsory health insurance in accordance with the Health Insurance Law in the Republic of Serbia and regulations adopted for implementation of this Law; 5) Voluntary Health Insurance Policyholder (hereinafter: Policyholder) - a legal person, natural person, other legal entity, or a related legal person in behalf of the Insured, or on its own behalf and on behalf of the insured, concludes the insurance contract with the Insurer and who committed to make the payment of premiums from his funds or from the funds of the insured; the Policyholder and the Insured can be the same person; 6) Applicant - natural or legal person who directs a proposal for concluding an insurance contract to the insured; 7) Application - written proposal for concluding an insurance contract with the Insurer; 8) Insurance policy (hereinafter: policy) - document on the conclusion of the insurance contract with the Insurer; 9) Voluntary Health Insurance Card document issued to the insured person by the Insurer, based on which the insured person proves the capacity of the insured person with Voluntary Health Insurance and exercises the right from the insurance contract; 10) Insurance premium (hereinafter: premium) - the amount that the Policyholder pays, based on the insurance contract; 11) Compensation for medical expenses - an amount that represents the obligation of the insurer based on the insurance contract in case the insured event occurs, which represents the expense of the insured person for reasonable medical service rendered (medically justified treatment), which in certain cases is defined in the insurance policy and Special Terms and Conditions; 12) Monetary compensation compensation which the Insurer pays to the Insured in case of loss of earnings or wages or other income due to temporary inability to work, compensation costs of transportation related to the use of healthcare, and other fees related to the realization of the Voluntary Health Insurance, as defined in the insurance contract; 13) Sum insured - the maximum amount of liability of the Insurer specified in the policy; 14) Insured event - the future, uncertain event, independent of the will of the Policyholder, i.e. Insured, the occurrence of which implies the obligation of the Insurer. 15) Collective insurance - voluntary health insurance wich the Policyholder concludes with the Insurer, who was chosen in accordance with the law, on which the Policyholder and the Insurer conclude the insurance contract; šifra

2 16) Healthcare services - services provided in healthcare institutions and other health facilities (hereinafter: private practice), in accordance with the law which regulates healthcare, for implementation of healthcare, i.e. for the implementation of measures for improvement of people s health, prevention, containment and early detection of diseases, injuries and other health disorders, treatment and rehabilitation, including health services from traditional medicine, which are safe, high quality and efficient; 17) Medical institution - a legal entity that performs health services and which has obtained permission from the competent Ministry of Health (hereinafter: Ministry), to perform healthcare activities in accordance with the law which regulates healthcare and regulations adopted to implement the Law; 18) Private practice - another form of healthcare facility where certain healthcare activities are performed and which has obtained a license from the Ministry, to perform certain health services, in accordance with the law which regulates healthcare and regulations adopted to implement the law; 19) Other health service providers other legal or natural persons who perform certain activities related to health care, i.e. provide medical technical aids, and who have received approval from the competent authority to perform these activities in accordance with law; 20) Healthcare service providers a common name for the healthcare institution, private practice and other healthcare providers; 21) Healthcare service providers network all providers of healthcare services who have concluded an effective contract with the Insurer, during the period of insurance, in which the insured person uses the services as specified in the policy and in a manner defined in the General and Special Terms and Conditions; 22) Drug - a product containing a substance or combination of substances manufactured and intended for the treatment or prevention of diseases in humans, diagnosis, improvement or changes in physiological functions, used for achieving other legitimate medical goals and which has a received a release license in the Republic of Serbia, as well as a product that has not received a release license in the Republic of Serbia and which is imported based on the approval of the Medicines and Medical Devices Agency of the Republic of Serbia, in accordance with the law which regulates the drug supply; 23) Medical-technical aids - medical devices used for functional and aesthetic replacement of lost body parts, i.e. enable support, prevention and correction of existing deformities and facilitate the basic body functions; 24) Implants - medical devices that are surgically implanted into human body; 25) Waiting period (qualifying period for benefit) - the agreed period at the beginning of the period of insurance, during which the Policyholder has the obligation to pay the premium, and during which there is no liability of the Insurer if the insured event defined in the Special Terms and Conditions occurs; 26) Insurer s Special Terms and Conditions the Insurer s Terms and Conditions which regulate the rights and liabilities of contracting parties for a specific type or a combination of types of voluntary health insurance, which are an integral part of the insurance contract (hereinafter: Special Terms and Conditions). 27) Medic Call Center Insurer s telephone service that operates 24/7, 365 days a year, where medical personnel are available to insured persons, for assistance and implementation of insurance, as specified in the Special Terms and Conditions. III GENERAL PROVISIONS Article 3 (1) With the insurance contract, the Policyholder is obliged to pay a premium to the Insurer and the Insurer undertakes, in case of occurrence of an insured event, to pay medical expenses or the compensation in accordance with these General Terms and Conditions, Special Terms and Conditions and the insurance contract. (2) All information and applications that the contracting parties are obliged to submit, must be confirmed in writing or by , if made orally, by telephone or otherwise. (3) The date of receipt of the notice, i.e. the application referred to in paragraph (2) hereof is the day the Insurer received a notice or an application, or the date on the register office document of the Insurer and the seal or stamp of the received notice, i.e. application. (4) Agreements related to the content of insurance contract are valid only if concluded in writing. (5) Every conversation between the insured person and medical staff from the Medic Call Center is recorded. Obtaining the Capacity of Insured Person Article 4 (1) Status of the Insured in a parallel and additional health insurance with the Insurer can be gained by a person with compulsory health insurance, which is proved with the document issued by the Public Health Institute, and who express a clear intention to conclude the insurance contract in accordance with the general and Special Terms and Conditions of the Insurer for a class of parallel or additional health insurance. (2) Status of the Insured with a private health insurance can be gained by a person who does not have compulsory health insurance, and express a clear intention to conclude the insurance contract with the Insurer, in accordance with these General and Special Terms and Conditions of the Insurer for a class of private health insurance.

3 (3) Status of the Insured with a Voluntary Health Insurance in case of use of health care of the Insured during the stay abroad, can be gained by a person who has compulsory health insurance, and express a clear intention to conclude insurance contract with the Insured, according to these General and Special Terms and Conditions of the Insured, for a class of Voluntary Health Insurance in case of use of health care for the insured during the stay abroad. Conclusion of the Insurance Contract Article 5 (1) The insurance contract is concluded based on the previous application for the conclusion of the insurance contract, written by the applicant on the Insurer s form. (2) In the case of a Group insurance, the Policyholder can submit a unique application that contains information about each person for whom the insurance contract will be concluded with the Insurer. (3) Policyholder or the insured person is obliged to report to the insurer, during the conclusion of the insurance contract, all circumstances that are important for risk assessment, which are known to him or could not have been unknown. (4) When concluding the insurance contract, insured person is obliged to complete the Statement of Health Condition, at the request of the Insurer, in the form of a questionnaire (hereinafter: Statement), which is an integral part of the application, and to make medical examination and submit other documentation for the purpose of determining the risk. (5) Data from the Statement can not be the reason for denial of Voluntary Health Insurance. (6) The written application must be completed accurately, truthfully and completely, with all the information relevant and necessary for the conclusion of the insurance contract, as well as those facts that are important for underwriting. (7) A written application submitted to the Insurer for the conclusion of the insurance contract is binding for the applicant, if he did not specify a shorter period, for a period of 8 (eight) days, as of the date when the application was submitted to the Insurer, and if you need a medical examination, then for a period of 30 (thirty) days. (8) The application is considered delivered to the Insured on the day when it is officially registered. In case the Insurer, after receiving the application from the Policyholder, requests additional information or documentation, it is considered that the application was delivered to the Insurer on the day the Insurer receives the requested data or reports on the medical examination. (9) If the Insurer, within 8 days, or 30 days if medical examination is required, as of the day the offer was submitted to the Insurer, does not offer insurance with the modified Terms and Conditions, it shall be considered that it accepted the application and the contract was concluded on the day when the Insurer received the application. (10) If the Insurer accepts the application only under changed conditions, insurance is considered concluded on the day when the applicant agreed to the amended conditions. (11) It is considered that the applicant cancelled the application if he does not agree to the amended Terms and Conditions within eight days from the day of receipt of notification from the Insurer by registered mail, or if he does not submit the results of a performed medical examination within 30 days of receipt of the Insurer s written request to perform medical examination. (12) If in the period from the application submission to the conclusion of the insurance contract the increase of health risks to the insured persons occur, the insured person, i.e. the applicant is obliged to inform the Insurer immediately upon finding out about those facts. Increased health risk of the insured persons are considered to be all diseases and illnesses, changing occupations, injuries of the insured person, sports or travel to crisis areas, tropical regions, or expedition, as well as other changes that increase the health risk of the insured person. (13) If during the general medical examination or another examination, using services covered by the insurance contract, it is determined that the insured person had the disease at the time of conclusion of insurance, which was not reported during the application submission, the Insurer is entitled to suggest insurance under modified Terms and Conditions. (14) If the applicant does not accept the modified Trems and Conditions in the case specified in paragraph (13) of this Article, within 8 days of receiving the registered letter, with the insurance application with the modified Terms and Conditions of the Insurer, with the expiry of this deadline, the contract is considered terminated. (15) In case of termination of the contract referred to in the paragraph (14) hereof, the Insurer is entitled to keep the entire amount of the premium due. (16) By signing the application, i.e. the policy, the Insured, i.e. the Policyholder confirms the acceptance of General Terms and Conditions and Special Terms and Conditions. (17) All documents submitted to the Insurer by the applicant, are an integral part of the application until the issue of policy. (18) If the Policyholder and the Insured is not the same person, the conclusion of Voluntary Health Insurance requires the written consent of the Insured, except in case of group insurance. (19) The application is a part of the insurance contract. Policy and Card Article 6 (1) The Insurer issues the insurance policy to the Policyholder on the day of signing the insurance contract. (2) The Insurer issues the insurance policy to the Policyholder based on the data from the application. (3) The Insurer is obliged to issue a Voluntary Health Insurance Card to the insured person (hereinafter: Card), based on which the rights from the Voluntary Health Insurance are exercised, on the day of issue of the policy, and no later than 60 days from the issue of the policy.

4 (4) The Voluntary Health Insurance rights shall be exercised based on this Card, exceptionally based on the policy, until the moment of receiving the Card. In case the Card is lost, the insurance rights shall be exercised based on the certificate, i.e. policy, until the moment of issue of duplicate of the Card. (5) When the insurance contract is concluded for a period of 90 days and less, the Insured exercises the Voluntary Health Insurance rights based solely on the policy. Types of Voluntary Health Insurance and Covered Risks Article 7 (1) Voluntary Health Insurance covers the expenses for the type, content, scope and standard of rights that are stipulated with the Insurer, and this way the payment of indemnities defined in the insurance contract is made. (2) Voluntary Health Insurance is concluded voluntarily and can be concluded as: 1) Parallel Health Insurance that covers healthcare expenses that arise when the health care of the Insured is covered by compulsory health insurance in the manner and procedure that is different from the manner and procedure of exercising the right to compulsory health insurance that is prescribed by regulations adopted to implement the law. 2) Additional Health Insurance that covers the costs of health services, medicines, medical-technical aids and implants, i.e. compensations not covered by compulsory health insurance rights or insurance of a more substantial scope of coverage, amount and standard of rights, and the amount of compensations included in the compulsory health insurance; 3) Private Health Insurance, which is the insurance of persons not covered by compulsory health insurance or that have not entered the compulsory health insurance, to cover the expenses for the type, scope of coverage, amount and standard of rights stipulated with the Company. 4) Voluntary Health Insurance for the use of health care for the Insured during the stay abroad, which covers the healthcare expenses that arise when the insured is covered with healthcare protection included in the compulsory health insurance in the manner and procedure that is differs from the manner and procedure of exercising the compulsory health insurance rights that is prescribed by law which regulates the health insurance and the regulations adopted to implement the law, i.e. which covers the medical expenses, medicines, medical-technical aids, i.e. compensations not included in the rights from the compulsory health insurance i.e. the insurance for a higher scope of coverage, amount and standard of rights, and the amount of compensations included in the compulsory health insurance, i.e. which is the insurance of persons that are not covered with compulsory health insurance or that have not entered the compulsory health insurance, to cover type, scope of coverage, amount and standard of rights which is stipulated with the Company; 5) The combination of parallel, additional or private health insurance; Duration of the Insurance Contract Article 8 (1) Types of Voluntary Health Insurance referred to in the Article 7 (2) items 1) and 2) are stipulated as a long-term insurance, for a period that can not be shorter than 12 months from the insurance commencement date unless the capacity of the person with compulsory health insurance has a shorter duration in accordance with the regulations of the compulsory health insurance, but the Policyholder is obligated to notify the Insurer when the Insured is no longer in the capacity of the insured person. (2) Types of Voluntary Health Insurance referred to in the Article 7 (2) items 3) and 4) can be stipulated as perpetual insurance and for a period shorter than 12 months. (3) Type of Voluntary Health Insurance referred to in the Article 7 (2), item 5) is stipulated for the period pursuant to the paragraphs. (1) and (2) of this Article, depending on which type of insurance are a combination defined in the insurance contract. (4) Insurance starts at on the day specified in the commencement of insurance (hereinafter: commencement of insurance), but not before in the day the premium is paid, i.e. one installment of the premium, unless specified otherwise in the policy or in the Special Terms and Conditions. (5) Insurance terminates at on the day specified in the insurance policy as insurance expiration date (hereinafter: expiration date). Article 9 (1) Insurance terminates before the agreed deadline in the following cases: 1. In case of parallel, additional and private, as well as combinations of parallel, additional or private health insurance: Death of the Insured the date of death; Exclusion of the insured person from insurance by the Policyholder in the case of a group insurance on the day of submission of application to the Insurer only if this right is provided under special Terms and Conditions of the Insurer, and if it is stipulated in the policy; Termination of the contract in accordance with Article 16 these General Terms and Conditions; Cancellation of the contract the expiration of the notice period, in accordance with Article 17 of these General Terms and Conditions; 2. In case of parallel and additional, or a combination of parallel and additional health insurance Loss of status of the person insured with compulsory health insurance the day the loss of status; 3. In case of private health insurance By obtaining the capacity of a person with compulsory health insurance on the day of obtaining the capacity;

5 Waiting Period (Qualifying Period for Benefit) Article 10 (1) With the insurance contract, the waiting period can be stipulated (hereinafter: waiting period). (2) The waiting period is starts at the beginning of the insurance specified in the insurance policy, provided that the first stipulated premium is paid by that day. (3) If premium due is not paid until the beginning of insurance, the waiting period starts at on the day when the first stipulated premium is paid. (4) The waiting period does not apply for contract renewal, unless otherwise defined in the contract. (5) The provisions referred to in the paragraph (4) of this Article shall apply only to insured persons who already gained the insured person status, under the previous policy, i.e. the insurance contract, i.e. the person for whom the waiting period already expired during the previous policy. If the waiting period is not fully expired during the previous policy period, the remaining time until the end of the waiting period is transferred to the next period of insurance under the new policy. (6) For certain insurance covers the Insurer may define other waiting periods, pursuant to the Special Terms and Conditions of the Insurer. Commencement and Termination of the Insurer s Liabilitiy Article 11 (1) The liability of the insurer begins at on the day specified as the commencement of insurance, but not before on the day when the premium, or the premium installment is paid, unless stipulated otherwise under the Special Terms and Conditions. (2) The liability of the Insurer terminates at 24.00, on the day specified in the policy as the insurance expiration date. (3) If the waiting period is stipulated, the obligation of the Insurer begins at on the day after the expiry of the waiting period, provided that the premium, i.e. the premium installment is paid. Scope of the Insurer s Liability Article 12 (1) The Insurer is obligated to provide the insured person with the Voluntary Health Insurance rights defined in the insurance contract and the rights established with these General Terms and Conditions, Special Terms and Conditions and the insurance contract. (2) Sum insured specified in the policy represents the upper limit of Insurer s liability, under the insurance contract. (3) In case the insured person, i.e. the Policyholder, does not provide the Insurer with truthful and complete information during the conclusion of the insurance contract, the information which may affect the amount of the stipulated premium, the Insurer s liability is reduced in proportion the paid premium and the premium which should have been paid according to the actual risk, if the insured event occurs as a result of violation of the provisions of Article (5) of these General Terms and Conditions. Article 13 (1) In accordance with the insurance contract or the policy and these General Terms and Conditions and Special Terms and Conditions, the Insurer is obligated to compensate the medical expenses or a part thereof to healthcare providers or to the insured person, which have arisen from the realization of the rights to the stipulated Voluntary Health Insurance and the amount of the stipulated compensation amounts, within 14 days from the date when it received evidence and determined the existence and scope of liability. (2) The Insurer is entitled to ask the insured person, the Policyholder, or any other legal or natural person for additional explanations or additional documentation to determine the important circumstances related to the reported insured event. (3) The Insurer is entitled to send the insured person to a control examination or additional medical examination, in order to establish the necessary facts about the reported insured event. The cost of such examination shall be borne by the Insurer. (4) If the insured person, in pursuit of personal gain for himself or any other legal or natural person deceits the Insurer, or continues to deceive it, and that way, makes it take action or fail to take action causing harm to its own, or to other person s property, the Insurer may file a criminal complaint against the insured person. Exclusion of the Insurer s Liability Article 14 (1) Insurer s liability is excluded in the following cases: 1. If the Insured gave misleading and false information or concealed important circumstances, which affect the conclusion of the insurance contract; 2. If the Policyholder or the Insured fails to pay the premium due within the stipulated deadline, and if that is not done on his behalf by another person with legal interest that the premium be paid; 3. In case of abuse of policy, i.e. Card; 4. If the scope of stipulated health services and the amount of expenses is overdrawn; 5. If the claim is based on false information and false documentation; 6. If the insured event occurred and is ongoing at the time of conclusion of the contract, i.e. if it includes the costs of treatment of diseases the Insured was suffering from at the time of conclusion of the insurance contract, unless stipulated otherwise; 7. If the insured event occurred during the period of insurance, and the treatment of the Insured continues after the expiry of the insurance contract, the insurer is obliged to pay for the healthcare expenses i.e. to pay the stipulated fees, which have arisen by the day of insurance expiry, except when the insurance

6 Premium contract is renewed in accordance with the provisions of Article 18 of these General Terms and Conditions; 8. If the subject of claims is the expenses for organizing and implementing preventive vaccination programs, immunoprophylaxis and chemoprophylaxis; 9. For the compensation of healthcare expenses and payment of compensation covered by the compulsory health insurance, except in the case of private health insurance. Article 15 (1) With the insurance contract, i.e. policy the amount and method of premium payment is also stipulated. (2) The Policyholder, i.e. the Insured is obliged to pay the premium to the Insurer regularly, when due, within the terms specified in the insurance contract, i.e. policy. (3) If it is stipulated that the annual premium is paid in semi-annual, quarterly or monthly installments, the Insurer is entitled to a premium for the entire year of insurance. (4) The premium is considered paid when it is registered on the current account of the Insurer. (5) The Insurer is obliged to accept the paid premium from any person with legal interest that the premium be paid. (6) The Insurer can not increase the premium during the period for which the contract is concluded. (7) Notwithstanding the paragraph (6) of this Article, in the case of long-term contracts, the premium may be changed after a period of 12 months from the date of conclusion of the insurance contract, i.e. every 12 months until the expiry of the term for which the insurance contract is concluded. Consequences of Failure to Pay Premiums Article 16 (1) If the Policyholder does not pay the stipulated insurance premium, i.e. premium installment when due, the Insurer s liability shall cease regarding the cover of expenses, i.e. the part of expenses for providing the health services that are included in the insurance contract, i.e. policy, after the expiration of 30 days from the day when the written notification on matured and unpaid premiums was delivered. (2) After the expiration referred to in the paragraph (1) of this Article, the Insurer may terminate the insurance contract without subsequent notice, and initiate the process of collection of premiums due, with default interest before a competent court. Abrogation and Cancellation of the Insurance Contract Article 17 (1) If the Policyholder, i.e. the insured person, intentionally made inaccurate reports or deliberately concealed a circumstance that is of such a nature that the Insurer would not have concluded a contract under the same conditions if it had known the true state of affairs, the insurer may request the abrogation of the contract. (2) The Insurer s right to request abrogation of the insurance contract shall cease if within three days after finding out about the inaccuracy of the application or concealment of facts, it does not notify the Policyholder about the intention to exercise that right. (3) The Policyholder or the Insurer can cancel the insurance contract in a manner and in time limits specified in the Special Terms and Conditions. Continuation of Insurance or Renewal of Contract Article 18 (1) When the Insured wishes to continue the Voluntary Health Insurance under different Terms and Conditions, or when the Policyholder changes, the former insurance contract ends and a new one is concluded without interruption of insurance. (2) The insured person has the right to a compensation of medical expenses or financial compensation pursuant to the insurance Terms and Conditions which are valid on the date of occurrence of the insured event. (3) The continuation of insurance referred to under paragraph (1) of this Article shall be implemented based on a written application, no later than 30 days before the day of the new insurance, i.e. after the expiration date of the current insurance. Objection of the Insured Article 19 (1) The insured person who believes that his/her rights guaranteed under the insurance contract were violated with the decision of the Insurer based on a claim, he/she may file a complaint to the Complaints Commission within 30 days after receiving the Insurer s decision. (2) The Complaints Commission is obligated to make a decision regarding the complaint within 14 days from receipt of the insured person s complaint. Insured Persons Data Article 20 (1) By signing the policy, the Policyholder and the Insured authorize the Insurer to collect, verify, process, store, transmit and use the personal data necessary for concluding the insurance contract in accordance with the Law on Personal Data Protection. (2) The Insurer undertakes to keep the data referred to in paragraph (1) of this Article as a business secret in accordance with the Law. Applicable Law and Jurisdiction Article 21 (1) Implementation, effect and interpretation of insurance contracts, concluded under these General Terms and Conditions and Special Terms and Conditions, is subject to the law and court jurisdiction of the Republic of Serbia.

7 Subrogation Article 22 (1) The rights of Policyholder or the insured person to a third party are transferred to the Insurer, in the amount of liability paid by the Insurer, without the special consent from the insured person. (2) For the purpose of exercising the right to receive reimbursement in terms of paragraph (1) of this Article, the insured person is obliged to provide the Insurer with any evidence that the Insurer asks for, which are related to the claim. The expenses of obtaining such evidence are borne by the Insurer. (3) If the Policyholder or the insured person receives compensation from a third party responsible for the damage, the Insurer is entitled to deduct the amount of fees it should pay to the insured person, based on the policy. IV TRANSITIONAL AND FINAL PROVISIONS Article 23 (1) These General Terms and Conditions can be changed according to the procedure and the method by which they were adopted. (2) Amended Terms and Conditions are applied only to new insurance contracts, i.e. policies. (3) Until the end of the insurance year the General Terms and Conditions, under which these contracts were concluded, shall apply to the current insurance contracts, unless the change of the Terms and Conditions occurred due to the changes in legal regulations, on which the Insurer has no influence. (4) If the Insurer amends the General Terms and Conditions it is obliged to inform the Policyholder in writing about this fact, i.e. to inform the Insured with whom it has concluded a long-term insurance. (5) The Insurer is obligated to publish the updated version of these General Terms and Conditions on its website. Article 24 (1) Receivables from insurance contracts expire under the provisions of the Law on Obligations. Article 25 (1) For all relations between the contracting parties, which are not regulated by these General Terms and Conditions, the provisions of the Regulation on the Voluntary Health Insurance are applied, as well as the Law on Obligations and Contracts and other legal regulations of the Republic of Serbia. Article 26 (1) These General Terms and Conditions are effective as of the day of adoption, and are applied as of January 1st 2010, with the opinion of the Ministry of Health.

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