RIPLY INCOMING Multi Risk Travel Insurance Policy Riply Incoming is effective: - for leisure, study and business trips; - for trips which last maximum 365 (three hundred and sixty-five) days; - from the day, the hours, for the period and the destinations stated in the Insurance Certificate; - within the maximum limits stated in the policy and corresponding to what is shown into the Destination field in the Insurance Certificate; - if the insurance premium has been paid. Are insurable individuals who reside abroad, travelling to Italy or Schengen Area Countries, for whom the policy premium has been paid. The age limit is 70 (seventy) years of age. Anyway, for insured individuals who reach this limit throughout the duration of the contract, the insurance coverage will remain valid until the expiry of the policy. During the term of this insurance contract, the Insured is considered as domiciled in Italy. HOW TO STIPULATE THE INSURANCE POLICY The insurance coverage must be stipulated: - by the Riply travel agency affiliated and enabled to use the Riply platform; - by adult person with capacity to act or by legal person; - within 12 midnight of the day before the starting of the trip (departure date). Shown below the limits, the excesses, the effect and the duration of the insurance coverage. COVERAGE LIMIT EXCESS Travel Assistance Insurance terms and conditions - Medical Expenses Schengen Area: up to 30.000,00 52,00 COVERAGE Travel Assistance Medical Expenses EFFECT AND DURATION OF THE COVERAGE It is effective from the hours and the date specified in the Insurance Certificate, but, however when the Insured arrives in Italy or in a Schengen Area Country till the end of the trip, when the Insured comes back at his usual place of residence, anyway not beyond the expiration date of the policy, as specified in the Insurance Certificate. It is effective from the hours and the date specified in the Insurance Certificate, but, however when the Insured arrives in Italy or in a Schengen Area Country till the end of the trip, when the Insured comes back at his usual place of residence, anyway not beyond the expiration date of the policy, as specified in the Insurance Certificate. Policy Summary_ pag. 1
PAYMENT OF THE PREMIUM The insurance policy premium is effective exclusively for the trip, such as defined in the Chapter 1 of Insurance Terms and Conditions. The policy premium is paid in full and up front in the travel agency where the Policyholder has purchased the trip and the insurance policy, according to the modalities accepted by the travel agency. The insurance premium amount is directly calculated by the Riply platform on the basis of the rates predetermined by the Company. The insurance premium amount is specified in the Insurance Certificate. MAIN EXCLUSIONS CONCERNING ALL COVERAGES The following is a list of the main exclusions and limitations that are always valid for all the insurance coverages granted by this policy (for a full list of exclusions and limitations, refer to the Insurance Terms and Conditions ): - claims happened outside from Italy or Schengen Area; - trips to a country where, at the time of departure, bans or limitations (even temporary) issued by the competent Public Authority are in force; - extreme trips to remote locations that can only be reached with the use of special transport vehicles; - trips taken in order to undergo medical/surgical treatments; - causes or events which cannot be objectively documented; - diseases that are the expression or direct consequence of chronic or past pathological conditions at the beginning of the trip and known by the Insured; - pathological states due to pregnancy beyond the 26th week of pregnancy and the postpartum; - events and situations which occur in the home Country; - check-ups in the home Country due to situations resulting from illnesses started in the trip; - fraudulent intention, voluntary or premeditated acts by the Insured; - the consequences of the abuse of alcohol or of the use of psychoactive drugs or narcotic drugs for nonmedicinal purposes; - losses occurring as a result of risky manual working activities and/or work activities conducted offshore; - suicide or attempted suicide; - strikes; - denial of consular visas; - situations of armed conflict, invasion, acts of foreign enemies, hostilities, war, civil war, rebellion, uprisings, acts of vandalism, popular movements, insurrections, martial law, military or usurped power, or attempts to usurp power, the blocking of borders, sabotage, embargoes, plundering; - terrorism, included the use of every type of nuclear and chemical device; - ionizing radiation or radioactive contamination created by nuclear fuel or resulting from phenomena pertaining to the transmutation of the nucleus of atoms or by radioactive, toxic, explosive or other dangerous properties/characteristics of nuclear devices and their components as well as radiation caused by the artificial acceleration of atomic particles; - tornadoes, hurricanes, earthquakes, volcanic eruptions, floods, inundations, nuclear explosions, atmospheric phenomena with characteristics of natural calamities and other natural disasters; - air, water, soil, and subsoil pollution or any other environmental damages; - pathologies attributable to epidemics with pandemic features, as declared by the WHO, and whose severity and virulence require restrictive measures in order to reduce the risk of transmission to the civilian population; - quarantines; Policy Summary_ pag. 2
- activities that involve the use of explosives or shooting iron. The Insurer shall not be required to provide coverage or will be obliged to pay any compensation or pay any benefit under this policy if the provision of such coverage, the payment of such compensation or recognition of such benefit would expose the Insurer to penalties, prohibitions or restrictions provided for by the United Nations resolutions or trade and economic sanctions provided for by the laws or regulations of the European Union and individual countries that are part, of the United States of America or conventions international. ACE European Group Limited is a subsidiary of ACE Limited, a U.S. company listed on the NYSE. Consequently, ACE European Group Limited is subject to certain U.S. laws and regulations regulations in addition to EU, UN and national sanctions restrictions which may prohibit it from providing cover or paying claims to certain individuals or entities or insuring certain types of activities related to following countries: Iran, Syria, North Korea, North Sudan and Cuba. OBLIGATIONS OF THE INSURED IN THE EVENT OF A CLAIM For each reimbursement request, the Insured or the party acting on behalf of the latter must notify the claim to the Company within 30 (thirty) days from the date of occurrence of the loss, supplying the Company with all documents that are useful for managing the claim and without prejudice to the right of the Company to request, for the purposes of liquidation, any additional documentation with respect to which is contractually required as well as the right to enforce, at any time and in any case, potential exceptions even if has begun the liquidation of the insurance guarantees. The notification of the claim - along with all documentation required to assess the loss - must be sent to the following address: ACE European Group Ltd. c/o Inter Partner Assistance S.A. - Via B. Alimena, n. 111 00173 Roma In the event of requests regarding the claims procedure or the status of a claim, the following telephone number may be used: +39 06.42115813 on the following days and times: Monday- Friday 9.00-18.00 Saturday 9.00-13.00 In the event of requests regarding Travel Assistance and direct payment of medical expenses for urgent therapies or surgeries that cannot be deferred, the Insured or the party acting on behalf of the latter must immediately contact the Company s Assistance Centre, opening 24 hours, to no. +39 06.42115813 (fax +39 06.4818960). Regarding to the Consumer Code, only in case of distance selling, the Policyholder will have the right to unilaterally withdraw from the policy, without having to specify the reason, within 14 (fourteen) days after the date when the insurance has been purchased, by advising his/her intention to withdraw to the Broker via electronic mail to: riply@riply.it or by fax to no. +39 02.33448426 or by registered letter to Quantum Group srl Viale Sarca 336 20126 Milano. In the event of withdrawal, the policy premium will be returned, net of taxes due, if already paid by the Company, without the application of any penalty. Regarding to the art. 67-duodecies comma 5 letter b), the right of withdrawal is not effective for insurance contract which lasts less than one month. Policy Summary_ pag. 3
This Policy Summary has been edited just for information scope and so it doesn t overwrite Insurance Terms and Conditions. Where the conditions of this insurance, or an extract of these, have been issued in a language other than Italian, the conditions in Italian shall prevail. USEFUL INFORMATIONS To return the Insurance Certificate signed or to exercise the right of withdrawal: Quantum Group srl Viale Sarca 336 20126 Milano Fax +39 02.33448426 e-mail: riply@riply.it To request Assistance during the trip: OPERATIONS CENTER Inter Partner Assistance S.A. Tel. +39 06.42115813 Fax +39 06.4818960 24 h a day To notify a claim: UFFICI SINISTRI (CLAIMS OFFICE) ACE European Group Ltd. ACE European Group Ltd, c/o Inter Partner Assistance S.A. Via B. Alimena, 111 00173 Roma Tel. +39 06.42115813 Fax +39. 06.4818960 e-mail: sinistri.riply@ip-assistance.com Monday- Friday 9.00-18.00 Saturday 9.00-13.00 For information on the effectiveness of the policy: CUSTOMER SERVICE ACE European Group Ltd. ACE c/o Inter Partner Assistance S.A.Via B. Alimena, 111 00173 Roma Tel. +39 06.42115813 Fax +39 06.4818960 24 h a day Policy Summary_ pag. 4
INFORMATIONAL DISCLOSURE ON PERSONAL DATA PROCESSING (Disclosure pursuant to art. 13 of Italian Legislative Decree no. 196/03 Code for the protection of personal information) For parties insured by ACE EUROPEAN GROUP LTD Processing of personal information for insurance purposes In order to provide you with the insurance services and/or products requested or envisaged on your behalf, our Company needs to have your personal information - information to be collected, some of which must be provided to us by you or by third parties under legal obligation, and/or information already collected, provided by you or by other parties and has to process the same for insurance purposes. We therefore inform you that the information strictly necessary for the provision of the afore-mentioned insurance services and/or products will be processed by our Company and by third parties to whom said information will therefore be sent. As regards the processing of any sensitive information strictly regarding the provision of the cited insurance services and/or products the processing of which is permitted under general authorisations issued by the Data Protection Supervisory Authority you will be asked for specific consent. Furthermore, solely for the above-cited purposes and always limited to that which is strictly required in the transaction between you and our Company, we hereby inform you that the information, depending on the case, may or must be communicated to other parties in the insurance industry or of a public nature that operate in Italy or abroad as independent holders, all of which form the so-called insurance supply chain, namely parties that process personal information for the purpose of executing the contract, partially of a purely organisational function; We would like to clarify that without your information we will not be able to provide you with all or part of the cited insurance services and/or products. Procedure for the use of personal information The information is processed by our Company the data controller only using the means and procedures, including IT and those via the Internet, strictly necessary to provide you with the insurance services and/or products requested or envisaged on your behalf, or, if you have consented, for market research, statistical surveys and promotional activities; the same means and procedures are also used when the information is provided for the above-cited purposes to the parties previously indicated in this note, who in turn are obliged to process them using the means and the procedures strictly necessary for the specific purposes indicated in this note. In our Company, the information is processed by employees and co-workers within their respective functions and in accordance with the instructions received, always and only for the specific purposes indicated in this note; the same occurs for the parties previously indicated in this note to whom the information is transmitted. For some activities, we use trusted parties who sometimes operate abroad who provide technical and organisational services to use; the parties also indicated in this note to whom the information is sent, also act in the same way. Rights of the interested party You have the right to know, at any time, what information of yours is held by individual data controllers, namely by our Company or by the parties indicated above to whom we the information, and how it is used; you also have the right to request that it is updated, supplemented, rectified or cancelled and to request a block or oppose its processing. To exercise your rights, as well as for more detailed information regarding the parties or categories of parties to whom the information is sent or who become aware of the same as supervisors and persons in charge of processing, you may contact our Manager for information on the parties in question at ACE European Group Ltd. General Representative for Italy viale Monza 258 Milan (MI) Tel. 02-270951 Fax 02-27095333. Policy Summary_ pag. 5