STUDIUM TRAVEL INSURANCE CARD GENERAL …EUB2008-06SD 1/21 STUDIUM TRAVEL INSURANCE CARD GENERAL AND...

EUB2008-06SD 1/21

STUDIUM TRAVEL INSURANCE CARD

GENERAL AND SPECIAL INSURANCE TERMS AND CONDITIONS (EUB2008-06SD)

These general insurance terms and conditions (hereinafter: general terms and conditions) together with the special

insurance terms and conditions (hereinafter: special conditions), except when otherwise specifically agreed by

parties shall be applicable to all insurance contracts (hereinafter: insurance contracts) concluded with Európai

Utazási Biztosító Zrt. (hereinafter: Insurance Company) with reference to these general and special terms and

conditions.

As regards issues not regulated under the general terms and conditions and special conditions, provisions of the

Hungarian Civil Code and effective Hungarian regulations shall prevail.

I. General Terms and Conditions

1. General Provisions

1.1. Definitions

(1) Period of Insurance: for the purposes of these conditions, one period of insurance shall be the period specified

in the insurance contract not to exceed 365 days after commencement date.

(2) Schedule of Covers: the Schedule of Covers, set forth in Section 4 of the General Terms and Conditions and

which constitutes an integral part of the insurance contract, includes a list of covers and services provided by the

Insurance Company together with the sums insured (limits of cover) applicable to such insurance services.

1.2. Parties to the Insurance Contract (Insurance Company, Policyholder, Beneficiary)

(1) Insurance Company is a legal identity, which in consideration of insurance premium payment bears insurance

risk and if a valid legal basis exists, undertakes the obligation to deliver the insurance services set forth in the

Schedule of Covers included in Section 4 of the general terms and conditions, together with services specified in

the special conditions.

(2) Policyholder shall be the party that enters into the insurance contract and pays the insurance premium.

(3) Insured shall be any natural person designated as Insured in the insurance contract, whose life, health condition

and travel luggage is covered in the insurance contract with respect to specific insured events.

(4) Beneficiary shall be any person who is entitled to receive the insurance service. The beneficiary of all

insurance services due in the life of the Insured shall be the insured himself, and in the case of death of the Insured

the beneficiary shall be the heir of the insured.

1.3. Conclusion of the Insurance Contract

(1) The insurance contract shall be concluded when it has been signed by the policyholder and the Insurance

Company, and the first insurance premium has been paid to the Insurance Company (or a representative thereof).

Furthermore, the insurance contract shall be concluded on condition that the Insured is staying in the territory of

the Republic of Hungary at the time when the first insurance contract is concluded.

1.4. Effective Date of Contract, Commencement of Cover

(1) The insurance contract shall take effect on the date indicated as the commencement of cover but no earlier than

at 0 hours of the day following the day when the first insurance premium has been paid either across the counter of

the Insurance Company (or its representative) or to the account thereof.

(2) The insurance contract shall remain in force for the duration set forth in the insurance contract, not to

exceed 365 days after the commencement date.

(3) Cover of the Insurance Company shall start at the time when a foreign trip begins by crossing the

border of the Republic of Hungary, and shall apply until the return journey ends in the territory of the

Republic of Hungary, on condition that such duration shall not exceed a maximum of 15 days following the

start date.

(4) The Insurance Company shall assess insurance claims arising from no more than two reported insured

events within the same period of insurance, and the cover of the Insurance Company shall terminate at the

time when the insurance claim arising from the second insured event is received (see further: Section 5 of

General Terms and Conditions).

1.5 Termination of the Insurance Contract

The contract shall terminate

(a) on the last day of the insurance period

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(b) if the Insured dies, or

(c) in other cases set forth in the Special Conditions.

1.6. Age Limit of the Insured

The cover of the Insurance Company shall not apply in any respect if the Insured person has reached the age of 65.

1.7. Geographical Limit of the Insurance

(1) The geographical limit of the insurance contract shall be abroad, that is the cover shall apply to events in

Europe outside the borders of the Republic of Hungary. If the Insured is a citizen of any non-European country,

and is traveling to his/her home country from the territory of the Republic of Hungary by way of air travel, the

geographical limit of the insurance cover shall for the duration of such air travel apply within areas outside Europe

until entering the territory of the Insured's home country. The duration of the cover outside Europe shall be

maximum one day uninterruptedly for each journey with respect to the trip there and back.

(2) For the purposes of these insurance conditions, abroad shall mean the territory of any country other than the

territory of the Republic of Hungary, except if the Insured is the citizen of the particular country.

(3) For the purposes of these insurance conditions Europe shall mean Europe when the term is used in the

geographical sense, as well as Tunisia, Egypt, Cyprus, the Canary Islands and the areas of Turkey outside Europe.

(4) The geographical cover of the insurance contract shall not apply to events in the territory of any country

or specific area which, on the first day of the insurance cover or on the date when the Insured travels to the

particular country/area, is listed as a non-recommended destination country or area by the Foreign Ministry

of the Republic of Hungary (see at: www.kulugyminiszterium.hu).

2. Rights and Obligations of the Parties to the Contract

2.1. Data Protection, Exemption from Confidentiality Obligation

(1) The Insurance Company shall maintain confidentiality with regard to data disclosed to them as insurance secret

without any limitation in time.

(2) All documents and deeds issued or created with respect to the concluded insurance contract shall be possessed

by the Insurance Company.

2.2. Obligation of the Insured to Prevent and Mitigate Loss

(1) The Insured shall, in the course of any activity, exercise the utmost care that may reasonably be expected.

(2) When an accident occurs or symptoms of a disease appear, medical help must be sought promptly, and the

medical treatment must continue until the end of the healing (medicinal) procedure. During the medical treatment -

after taking all medical advice into account - cooperation with the Insurance Company must at all times be

maintained.

3. Insurance Premium

3.1. Determining the Insurance Premium

The insurance premium is received in consideration of the insurance cover undertaken by the Insurance Company.

The rate of the insurance premium shall be set forth in the insurance contract.

3.2. Payment of the Insurance Premium

(1) The insurance contract shall have a single premium. The insurance premium shall be paid upon the conclusion

of the insurance contract.

(2) The policyholder will have fulfilled his/her obligation to pay the first premium when the insurance premium is

paid either across the counter of the Insurance Company or its the representative (agent) or by bank transfer.

4. Service of the Insurance Company

Pursuant to the insurance contract, the Insurance Company shall, after an insured event has occurred and has been

reported, if a valid legal ground exists, deliver the services set forth in the special conditions, up to the limits of the

insurance covers specified in the table below in total for each insured event, and the Insured may claim services

without upper limits only once with respect to any one insured event.

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Name of the insurance product: Studium Travel Insurance Card

Summary of Covers

A) Medical Emergency and Insurance

Reimbursement of medical costs

- in the event of accident

- in the event of illness

- including costs per tooth of emergency dental treatment (max. 2 teeth)

8.500.000

8.500.000

EUR 100

Arrangement of repatriation, reimbursement of excess costs incurred without limits

Emergency Assistance Services:

- sending a physician or disclosing a physician's address, arranging health

care treatment

yes

- arranging medical transportation to a physician or hospital, if required yes

- informing relatives yes

- continuous contact with the health care institute providing treatment yes

Reimbursement of other expenses incurred due to an accident or illness 50.000

Arrangement of the transportation of a deceased person home, and

reimbursement of costs incurred

2.000.000

B) Further Travel Assistance

Returning home at a different date because of an accident or illness

- Accommodation costs for the Insured for up to 4 nights

- Accommodation costs for a relative for up to 4 nights

- Reimbursement of additional travelling costs incurred because of a

relative accompanying the Insured home:

EUR 50/night

EUR 50/night

without limits

Reimbursement of accommodation costs of a relative during the

hospitalization of the Insured

EUR 50/night

Visiting a patient:

- travelling costs

- accommodation costs for up to 4 nights

without limits

EUR 50/night

Repatriation of child without limits

Curtailment without limits

Forwarding financial aid 250.000

Information provision when travel documents are lost service

C) Motor Vehicle Roadside Assistance - Basic Services

Information on car breakdown rescue companies service

Assistance in transporting the passanger vehicle home in the event of

illness or accident of the Insured (driver service)

100.000

D) Accident Insurance

Accidental death insurance 500.000

Insurance for death arising from a traffic accident (in addition to accidental

death benefit)

1.000.000

Disability insurance for accident-related permanent injury to health

(disablement) (100%) (in other cases a sum determined in compliance with

the insurance conditions)

500.000

E) Luggage Insurance, Replacement of Travel Documents

Theft of luggage or travel documents, or their damage arising from an

accident or elemental peril

100.000

- limit per item 25.000

- including reimbursement of costs incurred in the replacement of travel

documents

10.000

F) Luggage Delay (abroad)

- Lump-sum benefit payable for luggage delay for a period in excess of 24

hours

25.000

The Insurance Company shall pay insurance services arising from any one insured event up to a maximum

of HUF 300 million in total. This limit applies irrespective of the number of contracts affected by the

particular event, or of the service limits specified for each Insured or insured event in the particular

contracts.

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Language of communication: the Insurance Company and EUB-Assistance undertakes to maintain

communication with the Insured or the person acting on behalf of the Insured in Hungarian or in English. In

the case of disputes, the statements made in Hungarian shall prevail.

5. Limit on the Number of Insured events

The Insurance Company shall assess insurance claims arising from no more than two reported insured events

within the same period of insurance, and the cover of the Insurance Company shall terminate at the time

when the insurance claim arising from the second insured event is received. Filing an insurance claim shall

include all reports made to the Insurance Company with reference to a contract number and an event affecting the

Insured person which claims an insurance service or benefit of the Insurance Company, regardless of whether such

claim was filed in writing or was made in person to the Insurance Company or to the assistance partner of the

Insurance Company. If, in respect of any one period of insurance, the Insurance Company receives several

insurance claims arising from a number of insured events, the Insurance Company shall assess the claims in

respect of the two events which were chronologically first reported and received. The cover of the Insurance

Company shall terminate upon receipt of the second insurance claim even if the Insurance Company shall

not pay the insurance service for the claims received on the grounds of limitations set forth in the insurance

terms and conditions.

6. Conditions for Payment of Insurance Services

6.1. Deadline to Report an Insured Event

(1) The Insurance Company shall only pay the insurance services if the occurrence of the insured event is

reported to the Insurance Company (e.g.: by telephone or fax) within the shortest possible period (but no

later than within 24 hours), and the documents required for the assessment of the insurance claim are

submitted to the Insurance Company (e.g.: by fax), and the Insurance Company approves the use of services

except for services described in Sections E) Luggage Insurance, Replacement of Travel Documents and F)

Luggage Delay (abroad), in which cases the claim shall be filed no later than within 30 days upon the occurrence

of the insured event by submitting the documents specified in the special conditions as the requirements of service

payment to the Insurance Company.

(2) Where the above time limits are not observed, and as a result material conditions or circumstances may not be

revealed, the Insurance Company shall be exempt from payment of the insurance service.

6.2. Documents Required for Payment of Insurance Services

When filing an insurance claim in respect of an insured event, all documents prescribed in the special conditions

for the particular insured event and service type shall be submitted.

6.3. Place of Filing a Claim

The address of the office of the Insurance Company where claims are received in writing or in person: 1132

Budapest, Váci út 36-38., (tel.: (1) 452-35-80, fax: (1) 452-33-12). If these terms or conditions stipulate that

payment of a certain insurance service is subject to prior telephone notification (reporting), such

notification shall be made to the 24-hour Emergency Assistance Service of EUB (hereinafter: EUB

Assistance). You may contact EUB Assistance at: tel.: (36 1) 465-3666, fax: (36 1) 452 3920.

6.4. Due Date of Payment of Insurance Services

(1) Pursuant to the insurance contract, the Insurance Company shall undertake to pay the insurance services

specified in the Schedule of Covers under paragraph 4, if an insured event occurs during the period of the

insurance cover within the geographical limit defined in the insurance contract provided that a valid legal ground

exists.

(2) The Insurance Company shall settle any insurance claim filed within 15 days upon receipt of all documents

necessary for the assessment of such claim, unless otherwise stipulated in the special conditions.

(3) In the case when the documents required by the Insurance Company were not submitted or were incomplete

despite the insurer's reminder, the Insurance Company may refuse the claim or may assess it on the basis of the

documents available.

7. Exemption of the Insurance Company from Payment of Services

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(1) The Insurance Company shall be exempt from payment of the insurance service if the insured event was caused

by an unlawful, or willful behavior of the policyholder or the Insured or in gross negligence by them.

(2) The Insured shall be acting in gross negligence in particular if:

(a) at the time when the insured event occurred the Insured was intoxicated. If a blood alcohol level test was

taken, a blood alcohol level exceeding 0.8‰ shall indicate alcohol intoxication,

(b) the insured event occurred in consequence of using the following materials with a purpose other than the

indication of the physician or in other than the prescribed dose:

- narcotic or hallucinogenic drug

- narcotic substances,

- medicine.

(c) he/she was driving a motor vehicle which did not have a valid certificate of registration, or which the

Insured did not have a valid driving license for,

(d) the Insured has committed at least two traffic offences before the occurrence a traffic accident.

(3) The Insurance Company shall be exempt from payment of the sum insured if the Insured failed to comply with

their obligations to prevent and mitigate loss.

(4) The Insurance Company shall be exempt from payment of the insurance service where the time limit for

reporting an insured event is not observed (Section 6.1 of General Terms and Conditions), and as a result material

conditions or circumstances may not be revealed.

(5) The Insurance Company shall be exempt from payment of the insurance service if the Insured was not staying

in the territory of the Republic of Hungary at the time when the insurance contract was concluded.

(6) The Insurance Company shall be exempt from payment of the insurance service in cases set forth in the special

conditions.

8. Events Excluded from the Insurance Cover

(1) The insurance will not cover you in events which are in part or in whole caused by any of the following:

(a) mental abnormality,

(b) ionizing radiation,

(c) nuclear energy,

(d) war, combat operations, hostile actions of foreign forces, civil disorders, coup d’état or attempted coup

d’état, riots, civil war, revolution, rebellion, demonstration, procession, labor acts, terrorist acts, work

misbehavior, border conflicts, insurrection,

(e) suicide or attempted suicide of the Insured

(f) events in any way related to addictions, or withdrawal of medicine, alcohol or drugs.

For the purposes of these insurance conditions, terrorism shall in particular mean unlawful acts involving violence

or the threat of violence which endanger human life, tangible or intangible assets or the infrastructure in support of

political, religious, ideological, ethnic purposes or which are intended to influence any government or to create

fear and terror in the whole or a part of society, or which are suitable for the above.

(2) Furthermore, the insurance cover will not apply to events which occur during participation in any of the

following activities, or events which are in part or in whole caused by participation in any of these activities:

(a) engagement in sports activities (competition or training) as a professional athlete or competitor

(b) professional physical occupation (in compliance with operative legislation driving a commercial motor

vehicle which requires holding a commercial driving license (i.e.: cannot be driven with a Category 'B' driver's

license) or driving any motor vehicle, irrespective of the features of such vehicle, as a professional gainful

activity shall be physical occupation),

(c) engaging in or practicing for the following activities, which for the purposes of these insurance conditions

shall be dangerous sports: motor sports (racing or training), scuba diving, rock climbing, mountaineering (see:

Section 8(3)), expedition of any nature, caving, hunting, whitewater rafting, sea kayaking, hydrospeed, using a

banana tube towed by a powerboat, a jet ski or a quad, bungee jumping, canyoning, parachuting, kite surfing,

paragliding, traveling on a free-flying aviation aircraft (whether as crew or passenger), traveling on a power

aviation aircraft (whether as crew or passenger) except when traveling as a passenger on scheduled flights with

official license issued in compliance with regulations on passenger transport.

(3) For the purposes of these insurance terms and conditions, the term mountaineering shall include hiking on

mountains if the Insured goes off the recognized and authorized areas or routes, or where road conditions require

the use of special equipment (e.g.: rope protection, crampons, ice axes etc.). Mountaineering shall furthermore

include hiking on “Klettersteig” (“via Ferrata”) type routes, and above altitude of 3,500 meter above sea level.

(4) The insurance cover shall not apply to furthermore:

(a) consequential losses of any nature (e.g.: the Insurance Company shall not pay the costs of any travel or other

services not used because of the occurrence of an insured event)

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(b) non-pecuniary losses,

(c) events occurring in relation to the Insured's participation in any sports activities without using necessary

protective equipment or without complying with the generally accepted rules applicable to a specific sports

activity,

(d) events occurring in relation to the Insured's failure to comply with regulations on the activity he/she

participated in, issued by the competent authorities where they are acting or by the operator of the given

facilities.

9. Procedure for disputes or disagreement

If the person filing the insurance claim does not accept the amount of the service (claims payment) the Insurance

Company determined, such person may request an override of the claims payment. The person filing the insurance

claim may request an override within 60 days upon receipt of the Insurance Company's notice on the amount of the

claims payment or on the refusal of the insurance claim by filing a written statement to the Insurance Company.

10. Making complaints, Customer complaints forum

(1) Any complaint in connection with the insurance contract may be filed in writing to the Insurance Company:

Európai Utazási Biztosító Zrt., Customer Service, 1132 Budapest, Váci út 36-38.

(2) The Insurance Company shall investigate all complaints or notices, and shall send written notification to the

complainant of the findings of the investigation within 30 days upon receipt of the letter of complaint (or within 15

days if the complaint was declined).

(3) The Insurance Company is supervised by the Hungarian Financial Supervisory Authority (address: 1013

Budapest, Krisztina krt. 39.).

(4) All lawsuits in connection with insurance services shall be exclusively referred to jurisdiction of the Pest

Central District Court. (3) If pursuant to Act III of 1952 on the Code of Civil Procedure legal proceedings shall be

referred to the jurisdiction of a regional court, it shall be within the competence of the Metropolitan Court.

11. Period of Limitation

All claims enforceable under the contract shall be subject to a limitation period of two years following the date

when the insured event occurred. If the insured event is reported within that period, the limitation period shall be

two years from the date of receipt (see Section 12.1) of the last legal statement made between the Insurance

Company and the Policyholder, or the Insured, or other obligees to the contract.

12. Miscellaneous Provisions

12.1 Conditions for the Effect of Legal Statements (notifications, reporting)

(1) The Insurance Company shall consider proposals, legal statements, or notifications supplied to it effective only

when these are made in writing. The Insurance Company shall supply all statements to the parties affected by the

contract in writing.

(2) If the Insurance Company sends a legal statement in a registered mail to the last know address of the

Policyholder, the insured or any other affected parties, such mail shall be considered delivered when it has been

received at the address. If the mail with the legal statement sent by the Insurance Company is not collected by the

recipient, such mail shall be considered delivered on the 8th day after the Insurance Company mailed it.

12.2 Special Provisions

12.2.1. Definition of accident and traffic accident

For the purposes of these general conditions, the term accident shall mean a sudden, one-time, external physical

and/or chemical impact occurring during the period of insurance, independently of the will of the Insured which

results in anatomical injury confirmed by a specialist which requires acute, targeted medical procedure.

(2) With respect to the risks and services set forth in chapters D) and E) of the special conditions accident shall not

include:

(a) meningoencephalitis and/or encephalitis developed as a consequence of poliomyelitis or tick bites

(b) rabies,

(c) tetanus infection,

(d) any infection transmitted by humans, or animals or other living organisms even when developed as a result

of an accidental physical cause,

(e) congelatio (frostbite), sunstroke, overstrain caused by lifting, and heat apoplexy,

(f) occupational diseases (harm),

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(g) sprains or strains, not resulting in any new injury toligaments or muscles and not requiring open surgery to

any anatomical formula in their acute phase,

(h) disc herniation, and other diseases with herniation,

(i) where anatomic changes in direct causality with the current accident cannot be confirmed on the basis of the

medical documentation available.

(3) For the purposes of these general conditions, the term traffic accident shall mean an accident suffered by the

Insured and documented in a police report if the Insured was involved in the accident as a pedestrian, the driver of

a vehicle or a passenger.

(4) For the purposes of these general conditions, the term traffic accident shall not include:

(a) non-vehicular pedestrian accidents where the accident was not caused by a vehicle in motion.

(b) bicycle accidents where the accident was not caused by another vehicle or pedestrian,

(c) vehicle passenger accidents, where the accident did not occur as a consequence of the motion or stop of the

vehicle or of another vehicle.

12.2.2. Definition of physician, medical services and hospital

(1) For the purposes of these general conditions, the term physician shall mean any medical doctor holding a

degree of Doctor of Medicine (MD) which documents a mastery of a medical specialization required for the

specific medical treatment and is legally qualified as a practitioner of medicine at the place of the treatment, and

who holds all licenses officially issued by the competent authority and/or professional board, required for

exercising the specific type of medical care at the place of treatment, and is listed in the national registry of

physicians.

(2) Medical services shall mean health care services (medical attention) provided by a physician (see 12.2.2.(1)).

(3) For the purposes of these general conditions hospital shall mean institutions providing in-patient care

recognized and licensed by the competent authorities and professional supervision operating in the country where

health care services are provided, and which operate under permanent medical attendance and control. For the

purposes of this insurance the term hospital shall not include sanatoriums, rehabilitation centers, thermal or

hydromineral establishments, alcohol and drug detoxification institutions, even if hospitalized in-patient care is

provided, and hospital departments providing the above services on condition that the Insured receives services in

line with the specialization of such department.

12.2.3. Qualification of the Insured's sports activities

(1) Professional athlete: any Insured who entered into employment or other work-related legal relation with a

sports association, or is engaged in sports activities as a sole proprietor to gain earnings, and is licensed as a

professional athlete by a sports association, or the national sports federation.

(2) For the purposes of these general conditions any Insured shall be regarded as a competing athlete (hereinafter:

competing athlete) who is engaged in sports activities as a non-professional athlete if he/she participates in

competitions (e.g.: championships, matches) irrespective of the nature of such competition.

(3) For the purposes of these general conditions any Insured shall be regarded as an amateur sportsman who is

engaged in sports activities as a non-professional and non-competing sportsman.

12.2.4. Foreign trip

For the purposes of these insurance conditions, foreign trip shall mean a journey departing from the territory of the

Republic of Hungary with a clear destination in the territory of a foreign country (or foreign countries), and

returning back to the territory of the Republic of Hungary from the given foreign country (or countries).

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II. Special Conditions

A) Medical Emergency and Insurance

1. Insured Events

(1) Insured events: the insurance cover shall apply to the illness or accident of the Insured in a foreign country

during the period of insurance, when as a result there is a medical reason for the Insured to receive emergency

medical services (see: Section 1.(3)). The insurance cover shall furthermore apply to the death of the Insured in a

foreign country.

(2) The date of an insured event is the date when an accident happens, or when symptoms of an illness appear, or

when injury to health is detected.

(3) Emergency medical services (EMS) shall mean medical services justified by official medical documentation,

which the Insured receives abroad for any one of the following reasons:

(a) if the absence of immediate medical attention is likely to endanger the life or health of the Insured, or may

cause permanent and non-recoverable damage to the health of the Insured,

(b) if the symptoms of the Insured's illness (loss of consciousness, hemorrhage, acute infections, high body

temperature, vomiting, etc.) justify immediate medical attention,

(c) if the Insured suffers severe damage to health during the period of insurance and requires immediate medical

attention,

(d) if the Insured requires immediate medical attention after an accident.

(4) Official medical documentation shall be any medical document issued by a physician (or specialist if required)

licensed to practice medicine at the place where the insured event occurs.

2. Services included in medical emergency and insurance

2.1. Reimbursement of medical costs

(1) The Insurance Company shall pay for costs incurred from the following medical services received abroad within

the framework of emergency medical care (see Section A)1.(3)) and supported by invoices, subject to the provisions

set forth in Sections (2)-(6), altogether up to the limit specified in the Schedule of Covers under Section 4 of the

general terms and conditions:

(a) medical tests, medical treatment,

(b) pharmaceuticals purchased on a medical prescription issued for an individual named patient, where purchase

must be supported by an original invoice,

(c) transporting a patient by emergency medical services (ambulance) to a physician or to hospital (including the

costs of reasonable mountain, water or helicopter rescue services),

(d) in hospital treatment,

(e) laboratory tests,

(f) intensive care,

(g) emergency surgery as defined in general medical practice,

(h) crutches, knee- and elbow fixators, compression stockings purchased on medical prescription,

(i) emergency prenatal or obstetrics care prior to the 25th week of gestation,

(j) costs of emergency dental treatment and not accident-related oral surgery for up to two teeth (temporary

treatment for the immediate relief of pain or discomfort including the cost of medicine prescribed by the dentist),

for each tooth up to the limit specified in the Schedule of Covers under Section 4 of the general terms and

conditions (costs of an endodontic therapy are only covered if it is necessary for a temporary filling),

(k) accident-related oral surgery.

(2) The Insurance Company shall only pay the insurance services if the occurrence of the insured event is reported

to the Insurance Company (e.g.: by telephone or fax) within the shortest possible time (but no later than within

24 hours), and the documents required for the assessment of the insurance claim are submitted to the Insurance

Company (e.g.: by fax), and the Insurance Company approves the use of services. If the Insurance Company

does not receive preliminary notification in accordance with the above provision, and the Insurance

Company does not approve the use of services in advance, the Insurance Company shall reserve the right to

only cover the costs incurred up to the limit of EUR 300 (against verified specialist medical documentation

and invoices).

(3) The Insurance Company shall only cover the costs of services provided by health care service provider(s)

recognized and licensed by the competent authorities and professional supervisory organization operating in the

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country where health care services are provided (as well as costs of pharmaceuticals and therapeutic aids ordered by

such service providers).

(4) The Insurance Company shall only cover the normal costs incurred reasonably at the place of the service

provision, without a choice of physicians, from general medical treatment, subject to average health care rates used

at the place where the service was provided.

(5) The Insurance Company shall be entitled to arrange that a commenced medical treatment be continued in another

institution selected by the Insurance Company, provided that such arrangements do not jeopardize the medical

condition of the Insured.

(6) The Insurance Company reserves the right to cover the costs of medical services received abroad only up to the

time when the medical condition of the Insured is suitable for his/her repatriation or return to the territory of the

Republic of Hungary.

(7) The Insurance Company shall not pay the extra costs incurred because by the decision or due to the non-

cooperation of the Insured the Insurance Company could not repatriate the Insured to the territory of the Republic of

Hungary for further medical treatment, although it was medically possible, or because the Insured was unwilling to

return to the Republic of Hungary to continue his/her medical treatment, or because the Insured was not willing to

cooperate with the Insurance Company as set forth in the provisions of Section (5).

2.2. Arrangement of repatriation, reimbursement of excess costs incurred

(1) The Insurance Company shall pay for the additional traveling or medical costs (costs of justified medical escort)

incurred as a consequence of the repatriation or return journey of the Insured to the territory of the Republic of

Hungary in the following cases:

(a) if the Insured receives continuous emergency medical services abroad, but his/her medical conditions make

his/her repatriation to the Republic of Hungary possible (supported by a written statement of the treating physician),

and the Insurance Company decides to repatriate the patient in lieu of continuing emergency medical treatment

abroad,

(b) if the Insured, although no longer receives emergency medical care, in the opinion of the treating physician is not

able to return home in the originally planned way as a consequence of the insured event, and his/her medical

condition makes his/her repatriation or return journey to the Republic of Hungary possible. The Insurance Company

shall not be obliged to provide the service before the last day of the insurance period.

(2) The date and method of the repatriation or return journey shall be decided by the Insurance Company after

preliminary consultations with the treating physician and the medical institution.

(3) Within the territory of the Republic of Hungary the Insured will be repatriated to either a medical institutions

where treatment is continued or to the address of the Insured.

(4) The Insurance Company shall cover any costs incurred after the repatriation or return journey to the territory of

the Republic of Hungary.

(5) The Insurance Company is not obliged to provide the service if the return journey of the Insured originally had

not been arranged to take place within the period of insurance, and the return of the Insured is therefore is not

arranged.

(6) The Insurance Company will not pay for the costs of any return journey which was completed without the

prior authorization of the Insurance Company.

(7) The Insurance Company shall not be obliged to provide the service if the Insurance Company was not

notified of the accident or illness as soon as possible (no later than within 24 hours after the occurrence of the

insured event).

2.3. Emergency Assistance Services

(1) After a preliminary telephone notification, the Insurance Company shall, if so requested by the Insured, send a

physician to the Insured's place of stay as soon as practicable, or shall direct the Insured to a physician at a given

address.

(2) If necessary, the Insurance Company shall arrange the further emergency medical treatment of the Insured.

(3) When medically required, the Insurance Company shall arrange that the Insured is transported to a physician or

hospital by ambulance or taxi.

(4) Throughout the emergency medical treatment, the Insurance Company shall maintain continuous contact with the

treating physician and the medical institution.

(5) The Insurance Company shall regularly inform a person in Hungary named by the Insured about the condition of

the Insured.

2.4. Reimbursement of other expenses incurred due to an accident or illness

The Insurance Company shall pay for the following costs incurred abroad as a result of an insured event if supported

by invoices, up to the limits specified in the Schedule of Covers under Section 4 of the general terms and conditions:

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- cost of transportation for the Insured and one escort person to the physician or hospital, if by passenger vehicle,

public transport or, in medically justified cases, by taxi,

- telephone and fax costs incurred as a result of an insured event up to the limit of HUF 13,000.

2.5. Arrangement of the transportation of a deceased person home, and reimbursement of costs incurred

(1) If the Insured dies abroad, the Insurance Company shall arrange that the body of the deceased person is

repatriated to the territory of the Republic of Hungary, or to the country of citizenship of the Insured, and shall cover

its costs up to the limit specified in the Schedule of Covers. A condition for the arrangement of the repatriation and

the cover of its costs is that a relative of the Insured submit the following documents to the Insurance Company, or

cooperate in obtaining them, if necessary:

(a) a document attesting the death (death certificate),

(b) an official or medical certificate attesting the cause of death,

(c) in the case of an accident, documents required for clarification of the circumstances of death (e.g.: official

report),

(d) statement from the recipient cemetery,

(e) the insurance contract or policy.

(2) The Insurance Company will not pay for the costs of transporting a deceased person home if it was

completed without the prior authorization of the Insurance Company.

(3) The Insurance Company shall not be obliged to provide the service if the Insurance Company was not

notified of the disease or accident indicated as the cause of death as soon as possible (no later than within 24

hours after the occurrence thereof).


(1) The insurance claim shall be filed in writing to the Insurance Company after a telephone notification in

accordance with the provision in Section 2.1.(2).

At the time of filing the insurance claim, the following documents shall be submitted (except for the transportation

of a deceased person, where provisions of Section 2.5 shall be applicable):

(a) the insurance contract

(b) a duly completed insurance service claim form provided by the Insurance Company

(c) a copy of all medical documents created in connection with the insured event from its occurrence until the

announcement of the insurance claim, including a document of the diagnosis, and detailed description of the applied

medical treatment,

(d) original copies of the invoices for any and all costs incurred (e.g.: medical services received abroad, medications,

telephone etc) made out the name of the Insured,

(c) in the case of an accident, documents required for clarification of the circumstances of the accident (e.g.:

accident report),

(f) in the case of a traffic accident, a detailed on-site report issued by the competent authorities, and the resolution

closing the investigation, the police or medical documentation on the blood alcohol level,

(g) if an official investigation was initiated in connection with the insured event, the resolution closing such

investigation (the resolution refusing or terminating the proceedings, or a binding court decision),

(h) in the case of an organized package holiday, the official report of a representative of the travel agency with

respect to the occurrence of the insured event and its circumstances.

(3) The Insurance Company may request pre-existing conditions of the Insured health.

(4) For the assessment of the insurance claim, the Insurance Company may request or obtain further certificates or

statements.


(Medical emergency and insurance)

(1) The insurance cover shall not apply to diseases or accidents which are:

(a) in part or in whole caused by any medical condition existing prior to the commencement of the insurance

cover, or of the foreign trip (e.g.: illness, complaint, symptom),

(b) treated by a physician within six months prior to the commencement of the insurance cover, or of the foreign

trip, or the treatment of which would have been medically required.

(2) The insurance cover shall not apply furthermore to:

(a) psychiatric and psychic diseases

(b) control tests, post- or follow-up treatment

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(c) treatment or care provided by a close relative

(d) physiotherapy, acupuncture, treatment provided by a herbalist, corrective-gymnastic therapy,

(e) vaccination, routine or screening examinations,

(f) sexually transmitted diseases, acquired immunodeficiency syndromes (e.g. AIDS), or related illnesses,

(g) costs related to contact lenses, glasses,

(h) prenatal care, prenatal routine examinations,

(i) infant or child care,

(j) definitive dental care, orthopaedic treatment of the mandible (except accidents), orthodontics, paradontic

treatment, removal of odontolith, prosthetic dentistry, tooth crown (except: temporary repair of a broken tooth

crown), preparation or repairs of dentures or bridges,

(4) costs incurred after the return to the territory of the Republic of Hungary.

B) Further Travel Assistance

1. Returning home at a different date because of an accident or illness

1.1 Insured Event

The insured event is the acute illness or accident of the Insured in a foreign country during the period of insurance,

as a result of which there is a medical reason for the Insured to receive emergency medical services in a hospital

abroad (see: Section A)1.(3)), and after the release of the Insured from such hospital, his/her medical conditions do

not make it possible to return home to the territory of the Republic of Hungary at the date originally planned, or

before the last day of the insurance period. For the purposes of the services specified under Sections 1.2.(b) and (c)

the death of the Insured shall be considered an insured event.

1.2 Service of the Insurance Company

If an insured event occurs and is reported in compliance with the relevant provisions, the Insurance Company shall:

(a) make arrangements for the hotel accommodation of the Insured, and shall cover the costs of such accommodation

for up to 4 nights against an invoice, up to the limit per night specified in the Schedule of Covers under Section 4 of

the general terms and conditions,

(b) make arrangements for hotel accommodation for the duration of the hospitalization for one family member of the

Insured staying abroad with the Insured, or for any one person designated by the Insured, and shall cover the

additional costs of such accommodation for up to 4 nights against an invoice, up to the limit specified in the

Schedule of Covers under Section 4 of the general terms and conditions,

(c) arrange that a family member staying abroad with the Insured may travel home with the Insured on the same day

and shall cover the additional costs incurred.

2. Reimbursement of accommodation costs of a relative during the hospitalization of the Insured

2.1 Insured Event



abroad (see: Section A)1.(3)).

2.2. Service of the Insurance Company

If an insured event occurs and is reported in compliance with the relevant provisions, the Insurance Company shall

arrange hotel accommodation for the duration of the hospital treatment for one family member of the Insured staying

abroad with the Insured, or for any one person designated by the Insured if the accommodation originally booked is

20 km or more from the place of hospitalization, or if the Insured is under 14, and shall cover the additional costs of

such accommodation for such person for up to 4 nights against an invoice, up to the limit specified in the Schedule

of Covers under Section 20 of the general terms and conditions.

3. Visiting a patient

3.1. Insured Event

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abroad (see: Section A)1.(3)), and the insured's hospitalization is expected to exceed 10 days, or the condition of the

Insured is life-threatening.


The Insurance Company shall arrange for a person named by the Insured travel from the territory of the Republic of

Hungary to the residence of the insured, there and back, (covering the gas bill of a motor vehicle, or a Class II train

ticket or scheduled coach ticket, or passenger class airplane ticket, at the discretion of the Insurance Company), and

shall cover the costs of hotel accommodation for up to 4 nights against an invoice, up to the limit per night specified

in the Schedule of Covers under Section 4 of the general terms and conditions.

4. Repatriation of child

4.1. Insured Event


as a result of which the Insured must receive emergency medical services in a hospital abroad (see: Section A)1.(3)),

or the Insured dies and if, as a consequence, a child traveling with the Insured is left without supervision.


If an insured event occurs the Insurance Company shall arrange for the child to be repatriated to the Republic of

Hungary, and shall cover additional costs incurred from it.

5. Curtailment because of a relative’s illness or death in the home country

5.1 Insured Event

The insured event is, if subsequent to the commencement of the Insured's foreign trip, a close relative (as set forth in

Section 685(b)of the Hun. Civil Code) of the Insured or of his/her spouse or of his/her common-law spouse living in

Republic of Hungary dies, or is in critical condition.


(1) If an insured event occurs the Insurance Company shall arrange for the Insured to travel home to the Republic of

Hungary prematurely, and shall cover additional costs incurred from it. This insurance service shall be subject to the

condition that when sending notification to the Insurance Company, the remaining insurance period shall be at least

2 days.

(2) The Insurance Company shall not pay for the costs of the journey back abroad.

6. Forwarding Financial Aid

6.1. Insured Event

The insured event is when the Insured, through no fault of his/her own requires urgent financial help.


If an insured event occurs the Insurance Company undertakes to arrange that a financial help totaling up to the limit

specified in the Schedule of Covers under Section 4 of the general terms and conditions, and paid by the

representative of the Insured in Hungary to the Insurance Company is delivered to the Insured. The sum paid to the

Insurance Company shall be exchanged to the required currency at the official exchange rate of the bank selected by

the Insurance Company. Transaction costs of the money transfer shall be borne by the Insured.

7. Information provision when travel documents are lost

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7.1 Insured Event

The insured event is the loss or theft of the Insured's passport, vehicle certificate of registration, driver's license,

travel ticket, bank card or other cash replacement instrument in a foreign country, or the destruction of the above in

an accident.


If an insured event occurs the Insurance Company shall assist the Insured by supplying the Insured with all the

necessary information and official telephone numbers required for the replacement of the lost documents or payment

instruments.


Conditions for Payment of Insurance Services with respect to the services of B) Further Travel Assistance are set

forth in Chapter C) 3.


Events excluded from the cover of B) Further Travel Assistance are set forth in Chapter C) 4.

C) Motor Vehicle Roadside Assistance - Basic Services

1. Information on car breakdown rescue companies

1.1 Insured Event

The insured event is when the Insured's passenger vehicle breaks down in a foreign country or is damaged in a

traffic accident, and as a result the Insured is required to seek the services of a car breakdown rescue company

abroad.


If an insured event occurs the Insurance Company undertakes to inform the Insured of the telephone number and

address of car breakdown rescue companies operating at or around the Insured's place of stay, if so requested by the

Insured. The Insurance Company shall provide this service only in Europe when the term is used in the geographical

sense (with the exception of the new independent states of the former Soviet Union).

(2) The Insurance Company shall not pay for the costs of the roadside assistance.

2. Assistance in transporting a passenger vehicle home in the event of illness or accident of the Insured

(driver service)

2.1 Insured Event

The insured event is the acute illness or accident of the Insured in Europe when the term is used in the geographical

sense (with the exception of the new independent states of the former Soviet Union) during the period of insurance,


abroad (see: Section A)1.(3)), and as a result, in the medical opinion of a physician the Insured is not allowed to

drive a motor vehicle at the scheduled time of return home, and consequently cannot travel home in his/her working

passenger vehicle, and neither can the companions staying abroad with the Insured drive such vehicle home.


(1) If the Insured traveled abroad in a passenger vehicle and as a consequence of an accident he/she cannot return

the working passenger vehicle home, and neither can the companions staying abroad with the Insured drive such

vehicle home, the Insurance Company shall arrange that a person appointed to drive the passenger vehicle will travel

from the territory of the Republic of Hungary to the Insured's place of residence and shall cover the additional travel

costs incurred from it (gas bill of a motor vehicle, or a Class II train ticket or scheduled coach ticket, or passenger

class airplane ticket, at the discretion of the Insurance Company) up to the limit specified in the Schedule of Covers

under Section 1 of the general terms and conditions.

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(2) The Insurance Company shall only provide the above service if the insurance claim is reported as soon as

practicable after the communication of the medical decision, but no later than on the last day of the hospitalization,

and the written medical opinion is submitted at the same time. The Insurance Company shall not be obliged to

provide the service before the last day of the insurance period.

3. Conditions for Payment of Insurance Services with respect to the services of B) Further Travel Assistance and

of C) Motor Vehicle Roadside Assistance - Basic Services

(1) The insurance claim must be reported as soon as practicable (but within 24 hours after the occurrence of the

insured event) by telephone, and subsequently in writing to the Insurance Company, save for the cases set forth in

chapters B)7. and C)1., and the approval of the Insurance Company with respect to receipt of the service must be

obtained. The Insurance Company will not pay for the costs of any service used without the prior

authorization of the Insurance Company.

(2) At the time of filing the insurance claim, the following documents shall also be submitted:




announcement of the insurance claim, including a document of the diagnosis, and detailed description of the

applied medical treatment,

(d) original copies of the invoices for services available for consideration (e.g.: hotel bill, detailed telephone

invoice) made out the name of the Insured,

(c) in the case of an accident, documents required for clarification of the circumstances of the accident (e.g.:

accident report),

(f) in the case of a traffic accident, a detailed on-site report issued by the competent authorities, and the

resolution closing the investigation, the police or medical documentation on the blood alcohol level,


investigation (the resolution refusing or terminating the proceedings, or a binding court decision),

(h) in the case of an organized package holiday, the official report of a representative of the travel agency with

respect to the occurrence of the insured event and its circumstances.

(3) For the services specified in Chapters B)1.,4.,5, in addition to the documents listed in paragraph (2), the ticket

for the originally scheduled return journey, travel contract, or when traveling in the Insured's own motor vehicle, the

vehicle's certificate of registration and the driver's license must also be submitted to the Insurance Company by fax

prior to receiving the service.

(4) As regards the service specified in Chapter C)2., 'Assistance in transporting the passenger vehicle home in the

event of illness or accident of the Insured (driver service)' the Insurance Company shall only deliver the insurance

service if, in addition to the documents listed in paragraph (2), a written medical opinion of the physician treating

the Insured abroad attesting the Insured's incapability to drive and the vehicle's certificate of registration and the

driver's license are also faxed to the Insurance Company.

(5) A preliminary condition for receiving the service referred to in chapter B)2. is supply of the invoice issued for

the original accommodation.


statements.

4. Events excluded from the insurance cover of B) Further Travel Assistance and C) Motor Vehicle Roadside

Assistance - Basic Services

(1) The insurance will not cover you in events which are in part or in whole caused by any of the following:

(a) medical condition (e.g.: illness, complaint, symptom) existing prior to the commencement of the insurance

cover, or of the foreign trip,

(b) illness or accident of the Insured treated by a physician within six months prior to the commencement of the

insurance cover, or the treatment of which would have been medically required.

(2) The insurance cover shall not apply furthermore to the following diseases and treatment types, or events in

casual relation thereto:

(a) psychiatric and psychic diseases

(b) control tests, post- or follow-up treatment,

(c) treatment or care provided by a close relative

(d) physiotherapy, acupuncture, treatment provided by a herbalist,

(e) vaccination, routine or screening examinations,

(f) sexually transmitted diseases, acquired immunodeficiency syndromes (e.g. AIDS), or related illnesses,

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(g) costs related to contact lenses, glasses,

(h) prenatal care, prenatal routine examinations,

(i) infant or child care,

(j) definitive dental care, orthopaedic treatment of the mandible (except accidents), orthodontics, paradontic

treatment, removal of odontolith, prosthetic dentistry, tooth crown (except: temporary repair of a broken tooth

crown), preparation or repairs of dentures or bridges,

(4) costs incurred after returning to the territory of the Republic of Hungary.

D) Accident Insurance

1. Accidental death insurance

1.1 Insured Event

The insured event is any accident in a foreign country (as defined in 11.2.1 of the general terms and conditions) as a

result of which the Insured must receive emergency medical services in a hospital abroad (see: Section A)1.(3)), and

the Insured dies in direct causality with such accident within 1 year subsequent to the accident.

(2) The insurance cover shall not apply to events, where direct causality between the accident and the death cannot

be clearly established on the basis of the official medical report and/or coroner's report issued by the medical

institution competent at the place where the accident happened.


(1) If an insured event occurs and is properly verified, the Insurance Company shall pay the insurance sum specified

in the Schedule of Covers under Section 4 of the general terms and conditions for the beneficiary of the Insured.

(2) If, prior to the death of the Insured, the Insurance Company has paid an insurance benefit for an accident-related

permanent injury to health (disability) with respect the same insured event, the insurance benefit for accident-related

death shall be reduced by the benefit amount settled for the disability claim.

1.3. Documents required for payment of insurance services

At the time of filing an insurance claim, the following documents shall also be submitted:

(a) the insurance contract,

(b) a duly completed insurance service claim form provided by the Insurance Company,

(c) the postmortem certificate,

(d) a certified copy of the Insured's death certificate,

(e) a copy of all medical documentation related to the medical services received abroad and in Hungary from the

occurrence of the accident until the death of the Insured, as well as documents required for the clarification of the

circumstances of the death event (e.g.: report of the treating physician, final hospital report, coroner's report,

etc.),

(f) a detailed police report or other official documentation, resolution or ruling with respect to the circumstances

of the accident,

(g) the document attesting the entitlement of the beneficiary (binding grant of probate, certificate of inheritance)

or an abstracted copy or official copy thereof which clearly states who the heirs are, and the data of the notary

public.

(6) For the assessment of the insurance claim, the Insurance Company may request or obtain further certificates

or statements.

2. Insurance for death arising from a traffic accident

2.1 Insured Event

The insurance cover shall apply to traffic accidents (as defined in: Section I./12.2.1.(3)) where the Insured dies

within one year after a traffic accident as a result of the bodily injuries suffered in the accident.


(1) If an insured event occurs and the cause of the event is properly verified, the Insurance Company shall pay the

insurance sum specified in the Schedule of Covers under Section 4 of the general terms and conditions for the

beneficiary of the Insured (in addition to the insurance sum specified in section D) 1.2.).

2.3. Conditions for Payment of Insurance Services

At the time of filing an insurance claim, the documents listed in Section 1.3 of Chapter D) shall also be submitted.

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3. Disability insurance for accident-related permanent injury to health (disablement)

3.1. Insured Event

(1) The insurance cover shall apply to any accident in a foreign country (as defined in 11.2.1 of the general terms

and conditions) as a result of which the Insured suffers permanent injury to health at a degree of 25% or higher

verified by a medical expert within 2 years after the insured event, but maximum after two years, provided that the

accident caused anatomic damage which requires acute, targeted medical treatment and it is attested by the foreign

specialist.

(2) Injury to health shall mean the loss of any physical and/or mental function which confines the patient in his/her

normal conduct. The extent of the permanent injury to health shall be established on the basis of the loss of function

caused by the anatomic damage suffered in the accident.

(3) Injury to health shall be permanent if the medical condition of the Insured is unchanging, stable. The extent of

the permanent injury to health shall be established after the Insured's final condition has stabilized on the basis of

the medical documentation available, and if medically necessary, after completing personal medical examinations,

subject to directives defined by the accident insurance medical expert of MABISZ (Association of Hungarian

Insurance Companies).

(4) When establishing permanent injury to health, no change in the Insured's capacity for work and/or a constraint to

terminate a sports activity shall be considered. No adverse aesthetic effect or other (social, financial, etc.) detriment

caused by the accident shall in itself be ground for an insurance claim with respect to permanent injury to health.

(5) The date of the insured event shall be the date of the accident.


(1) If the documents submitted to the Insurance Company verify that the permanent injury to health is considered

final, the Insurance Company shall pay the insurance benefit within 15 days upon receipt of all medical documents

required for the assessment of the insurance claim. If the extent of the injury to health is continuously changing, the

Insurance Company shall determine the amount of the claims payment not later than after 2 years following the date

of the accident. The service of the Insurance Company shall be due if the injury to health is permanent or if 2 years

have passed after the date of the accident.

(2) The claims payment of the Insurance Company shall be established not later than after 2 years following the date

of the accident. In straightforward cases where the extent of the permanent injury to health can be established prior

to that, the amount of the claims payment may be calculated earlier.

(3) If an insured event occurs, the Insurance Company shall pay the part of the insurance sum specified in the

Schedule of Covers under Section 4 of the general terms and conditions in proportion to the % extent of the

permanent injury to health.

(4) The amount of the payment (the extent of the injury to health) shall be established by the medical expert of the

Insurance Company in compliance with the guidelines and directives of the medical expert of MABISZ and with

respect to all circumstances of the case.

(5) If the medical expert of the Insurance Company deems it to be necessary for the establishment of the extent of

the permanent injury to health, he/she may perform personal medical examination or may prescribe other necessary

examinations (e.g.: X-ray or ultrasound) for the Insured. All costs incurred from the personal examination performed

by the medical expert of the Insurance Company, or prescribed for the Insured (including travel costs, examination

charges etc.) shall be borne by the Insurance Company. The extent of the permanent injury to health determined by

the Insurance Company shall be independent on the resolutions of other medical panels (e.g.: OOSZI = National

Institute of Medical Experts, or other Insurers). Thus, in particular the resolutions of social security bodies

establishing reduced capacity for work shall not be ground for the determination of the insurance benefit amount, as

for the purposes of these special conditions, reduced capacity for work, or termination of a sports activity, any

aesthetic or social aspect in itself shall not be considered as a valid ground for claiming an accident-related

insurance service.

(6) Organs or body parts injured permanently before the date of the accident shall be excluded from the insurance

cover up to the extent of the former injury.

(7) If the Insured does not accept the first decision of the Insurance Company's medical expert on the extent of the

permanent injury to health, a medical panel with three members shall be called to carry out a new medical

examination. One member of the medical panel shall be delegated by the Insured, another member shall be delegated

by the Insurance Company, and the chairman, a physician licensed as a medical expert in emergency medicine, shall

be selected by common consent of the parties. All costs related to the work of the medical panel shall be borne by

the party who is adjudicated in the decision.

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(8) If any pre-existing conditions or diseases or handicaps contributed to the extent of the permanent injury to

health, the Insurance Company shall reduce claims payment by the extent of such contribution.

(9) If the Insured dies before his/her permanent injury to health is established, the Insurance Company shall not pay

the insurance benefit of the accident-related injury to health.

(10) No insurance claims for permanent injury to health can be filed in the Insured dies within 15 days after the

accident.

(11) The Insurance Company shall reserve the right to check the health condition of the Insured by physicians

designated by the Insurance Company.


(1) The insurance claim shall be filed to the Insurance Company in writing within 15 days after the injury to health

is deemed permanent, or within 15 days after 2 years following the accident have passed.

At the time of filing an insurance claim, the following documents shall also be submitted:




announcement of the insurance claim,

(d) documents required for clarification of the circumstances of the accident,

(e) the accident report, if one was made,


investigation (in particular the resolution refusing or terminating the proceedings, or a binding court decision)

shall be submitted to the Insurance Company,


statements.

3.4. Exclusions (Disability insurance for accident-related permanent injury to health)

The insurance cover shall not apply to:

(a) disc herniation, and other diseases with herniation,

(b) injuries diagnosed as sprains or strains,

(c) conditions following an arthroscopic surgery healed without complications,

(i) accidents where on the basis of the available medical documentation no anatomic abnormalities can be

detected in direct causality with the current accident.

E) Luggage Insurance, Replacement of Travel Documents

1. Insured event, the Service of the Insurance Company

1.1 Insured Event

(1) The insurance cover shall apply to the following events:

(a) an accident in a foreign country (as defined in 11.2.1 of the general terms and conditions) as a result of which

the Insured suffered physical injuries and received emergency medical treatment by a foreign physician in a

foreign country (to the extent it is medically necessary documented) and as a result of which the Insured's

luggage or travel documents are damaged or destroyed, and it can be attested,

(b) a traffic accident documented in a police report, as a result of which the Insured's luggage or travel documents

are damaged or destroyed (even if there were no personal injuries in the accident),

(c) if the Insured's luggage or travel documents are damaged or destroyed damage due to natural forces which can

be certified by professional authorities,

(d) theft of the Insured's luggage or travel documents from a locked room of a residential building, or theft of the

Insured's luggage from a vehicle's cargo space locked and locked out of sight, or from the locked box of the roof

holder,

(e) unlawful embezzlement or robbery of the Insured's travel documents or luggage. (For the purposes of these

conditions, robbery shall mean the unlawful embezzlement of the travel documents or property of the Insured,

where force or threat to life or safety is used.),

(f) if the Insured is traveling on a scheduled aircraft, road or railway vehicle or sea vessel operated by a

passenger transport company properly licensed by the competent authorities, and the passenger transport

company does not return the luggage checked-in by the Insured in compliance with regulations and registered

under the Insured's name by the transport company, or some of the luggage is missing, and the passenger

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transport company assumes liability for the event in writing, and pays the damages stipulated by operative

legislation.

(2) For the purposes of these conditions the term luggage shall include valuables in the possession of the Insured.

(3) For the purposes of these conditions the term luggage shall not include (and the insurance cover shall not apply

to):

(a) jewellery, precious metal, precious stones, semi-precious stones, as well as property items containing them or

made of them,

(b) cash or payment instruments substituting cash (bank cards, credit cards, etc.),

(c) vouchers or cards for the use of services (e.g. ski pass, mobile telephone top-up cards),

(d) savings books, securities,

(e) travel tickets, documents (except travel documents specified in section E).1.1.(4) ),

(f) precious fur, artifacts, collections,

(g) bicycles, or any vehicle or means of transport and their spare parts, accessories or equipment (e.g.: roof rack

of car, roof holder, powered luggage holder box, trailer, car radio, cassette player, CD player),

(h) sports equipment

(i) weapons and ammunition, musical instruments,

(j) partial dentures, complete dentures, orthodontic retainers

(k) sunglasses and any non-corrective eye-glasses, contact lenses,

(l) any travel document, watch or electronic appliance, mobile phone or their accessories that the Insured does

not put in the carry-on luggage and does not take on board of the airplane, or when traveling in a motor vehicle

leaves it in the roof box, or glove compartment of the car or storage box of the motorbike,

(m) computers, laptops, notebooks, palmtops and their accessories,

(n) keys and electronic remote controls,

(o) food stuff and tobacco products,

(p) equipment and devices for work purposes.

(4) For the purposes of these conditions travel document shall mean the Insured's passport or personal ID card

(together with the address card), the Insured's driving license, and the registration certificate of the car whose owner

or operator is the Insured or a family member living in the same household with him/her. With respect to any one

insured event, only the passport or the ID card (with the address card) can be considered as travel documents, and

the insurance cover shall apply to only one of these. For the purposes of these conditions, the visa in the travel

document shall not be a part of such travel document.

(5) For the purposes of these conditions, data media or carriers shall be accessories of the related electronic

appliance. If the insurance claim does not apply to the appliance, data carriers with the same function - irrespective

of the number of such carriers - shall be considered as one object.

(6) For the purposes of these conditions, the roof box of a car shall be regarded as the cargo space of the car.


(1) The Insurance shall cover the depreciated (real) value of any luggage damaged, destroyed or stolen as a result of

or during the insured events defined in section E)1.1. as of the date of the insured event up to the limit specified per

object in the Schedule of Covers under Section 4 of the general terms and conditions, save for the case when the

damaged property can be repaired (pursuant to section 1.2.(2), or when corrective eyeglasses are damaged,

destroyed or stolen (pursuant to section 1.2.(9)). With respect to any one insured event, the aggregate amount of the

Insurance Company's claims payment shall not exceed the limit specified in the 'Theft of luggage or travel

documents, or their damage arising from an accident' section of the Schedule of Covers under Section 4 of the

general terms and conditions.

(2) If the damaged property can be repaired, the Insurance Company shall cover the repair costs with respect to any

one object up to the limit specified in the Schedule of Covers under Section 4 of the general terms and conditions,

not to exceed the depreciated value of the object as of the date of the insured event.

(3) If the purchase price of the luggage and date of purchase cannot be verified by an original invoice issued to the

name of the Insured at the time of the first purchase, the Insurance Company shall reserve the right to calculated

with a value determined at its own discretion based on the average Hungarian depreciated price of an object with

the same functions and of average quality after use of one year. The depreciated (real) value of the insured objects

shall be determined by the Insurance Company.

(4) The object and its accessories, or objects in sets or pairs shall be regarded as one. The insurance cover shall only

apply to them up to the limit per object specified in the Schedule of Covers under Section 4 of the general terms and

conditions with respect to such pairs or sets or objects with accessories altogether.

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(5) If luggage is lost by a passenger transport company (e.g.: airline, coach company) (see in section 1.1.(1)(f)), the

Insurance Company shall pay the insurance benefit no earlier than after the passenger transport company carrying

or transporting the luggage (e.g.: airline, coach company) has assumed liability for the insured event in writing, and

is proved to have paid damages for the Insured as stipulated by operative legislation and in accordance with the

travel contract/conditions. In that case the Insurance Company shall pay the insurance service only to the extent that

the luggage loss or damage has not been indemnified by the transport company. The insurance cover shall not apply

to luggage damaged during the operations of a passenger transport company.

(6) Caravans and camper vans shall be regarded as motor vehicles except when used for accommodation purposes

at officially authorized camp-sites.

(7) The Insurance Company shall pay the officially determined costs of the replacement of travel documents

destroyed or unusable as a result of any insured event defined in sections E)1.1.(1) (a)-(e), within maximum 30 days

after the date of the insured event, with respect to any one insured event within the limit of luggage insurance up

to the limit specified in Section E) 'Reimbursement of costs incurred in the replacement of travel documents' of the

Schedule of Covers under Section 4 of the general terms and conditions.

(8) The payment of the Insurance Company with respect to services set forth in Sections E)1.2.(1)-(7) in

connection with any one insured event, shall not exceed the amount specified in Section E) "Theft of luggage, or

its damage arising from an accident' of the Schedule of Covers under Section 4 of the general terms and conditions,

except for theft of luggage from the cargo space or from the roof box of the car, where the payment of the Insurance

Company shall not exceed 50% of the limit specified in the Schedule of Covers under Section 4 of the general


(9) If corrective eyeglasses are damaged, destroyed or stolen, the Insurance Company shall cover the repair or

replacement cost of the glasses - against a medical prescription and an invoice - up to 50% of the limit per object

specified in the Schedule of Covers under Section 4 of the general terms and conditions. The Insurance Company

shall only cover the above costs if the glasses are repaired or replaced within 30 days after the occurrence of the

insured event.

(10) If the luggage is lost during the operation of an airline and the Insurance Company has made claims payment

for a delay of such luggage with respect to the same flight in compliance with chapter E) of the special conditions,

then the cover applicable to E) Luggage Insurance, Replacement of Travel Documents shall be reduced by the

amount paid for F) Luggage delay.

(11) In the event of damage to, loss or theft of a photo camera, video or digital camera, mobile telephone, GPS, CD-,

DVD- or MP3 player and their accessories, the Insurance Company shall only the insurance service is the original

invoice certifying the first purchase of the item has been supplied. In the absence of an invoice, the insurance cover

shall be maximum 50% of the limit per item (in aggregate for the appliance and its accessories).

1.3. Obligations of the Insured to Prevent Loss or Damage

(1) During a foreign trip, the Insured shall comply with the following obligations to prevent loss or damage:

(a) if luggage is stored in the vehicle, it shall be parked in a guarded parking space, or the luggage must be

taken out of it and be placed in a guarded space,

(b) luggage must be left in the vehicle only if inevitable and for a short time (in a space locked and locked

from sight, in particular in cars where the cargo space is not separated from the passenger area),

(c) documents and electronic appliances, watches must not be left in the car,

(d) if the vehicle is equipped with an alarm, such alarm must be turned on,

(e) when arriving at the accommodation, the luggage shall be put in the room, or cloakroom or locker as soon

as practicable.

1.4. Obligations of the Insured to Mitigate Loss

(1) As soon as the Insured noticed damage to or loss of his/her luggage, the Insured shall:

(a) report the fact and circumstances of the offense or the occurrence of the accident to the foreign police

department or authorities with competence over the place where the insured event occurred, or if the event took

place on a scheduled means of transport to the transport company, or if it happened in or under the authority of a

hotel, to the hotel management and make report the offence to the police, request an on-site investigation and written

documentation made out for the name of the Insured as soon as practicable.

(b) record all material conditions in the police report, in particular the detailed description of the event (place, date,

other material conditions), itemized list of the damage or loss incurred (itemized list of property together with their

value), any physical damage incurred during the theft, robbery, accident or natural disaster (e.g.: windows, doors

broken, forced open, other damage).

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(1) The insurance claim shall be filed in writing to the Insurance Company within 15 days upon the occurrence of

the insured event.

(2) Failure to comply with the above deadline may entail the consequences set forth in section 6.1.(2) of the general


(3) At the time of filing an insurance claim, the following documents shall also be submitted:


(b) a duly completed insurance service claim form provided by the Insurance Company,

(c) in the case of theft or robbery, the place, date and description of the event, the name of the injured parties, and

their personal particulars, a detailed list of the property stolen or robbed and the police report containing the

value of such property,

(d) in the case of theft or robbery in the territory of a hotel or camp-site, the official report of the hotel or camp-

site management in addition to the police report,

(e) in the case of an accident with personal injury, the complete medical documentation and if any of the

authorities have issued an official report, then that official report,

(f) in the case of a traffic accident, a detailed police report with respect to the traffic accident,

(g) when luggage is not delivered by a passenger transport company: the luggage receipt issued by the passenger

transport company to the name of the Insured when checking-in the luggage, and the statement testifying that the

passenger transport company accepts liability for the lost luggage which is indicated on the luggage receipt

supplied. The statement of acceptance of liability shall contain the name and personal particulars of the person

incurring the damage, a detailed list of the lost property items together with their value, and the amount of

damages paid by the passenger transport company.

(h) the original receipt, issued to the name of the Insured, certifying the purchase date and purchase value of the

property, if available,

(i) the original receipt, issued to the name of the Insured, certifying the repair costs of any damaged luggage or

the replacement costs of travel documents,

(j) the original travel tickets and invoices for traveling costs related to the replacement of travel documents,

(k) with respect to natural disasters, a certificate from the authorities (depending on the competence area:

meteorological institute, police or fire department) attesting the occurrence of the natural disaster, and if the

damage was incurred in the territory of a camp-site, the official report drawn up by the manager of the facility

indicating the date, extent and nature of the loss or damage, the list of damaged property, and the names of

persons incurring damage.

(4) For the assessment of the insurance claim, the Insurance Company may request or obtain further documents or

statements.

1.6. Exclusions applicable for 'Luggage Insurance, Replacement of Travel Documents'

The Insurance Company will not cover:

(a) damage caused by the loss or drop of luggage or travel documents, or because they were left unattended,

(b) the replacement cost of the luggage or travel document left in area of the motor vehicle which was unlocked,

or did not have a firm cover or was not locked for sight, or if the forceful breaking of the car was not clearly

documented,

(c) loss of or damage to the luggage if it was caused between local 20pm and 8am by the theft of the property left

unattended in a motor vehicle,

(d) damage incurred from theft or robbery during camping, if the tent was not erected on officially authorized

facilities,

(e) the value of data loss when data media or carriers are damaged,

(f) damage incurred as a result of drop or fall of luggage or travel documents into water, or their wetting

(irrespective of the circumstances),

(g) damage caused by seizure and confiscation by authorities, or the destruction of property,

(h) consequential damage and indirect loss incurred in relation to the transport of or harm to the property items,

(i) damage caused by the special nature of property,

(j) damage which may have resulted from the faulty constructions, manufacture, or material of property, or from

similar hidden errors,

(k) costs of replacing a visa

(l) damage caused by the breakdown of a vehicle or the fault of their accessories.

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1.7. Exemptions (Luggage Insurance, Replacement of Travel Documents)

The Insurance Company shall be exempt from payment of the insurance service if:

(a) the insured event was caused by an unlawful, or willful behavior of the policyholder, the Insured or a family

member living in the same household with them, or in gross negligence by them,

(3) the policyholder or the Insured failed to comply with their obligations to prevent and mitigate loss (see E)1.3

and E)1.4.),

(c) the content of the official report on the insured event, or of the police report made by the Insured to the

authorities and the content of the claim filed to the Insurance Company do not coincide and thus material

conditions cannot be clarified,

(d) the policyholder/Insured did not supply the Insurance Company with the documents necessary for the

assessment of the claim,

(e) the damage incurred from breakage was caused by the absence or deficiency of wrapping or packaging, or is

a result of inappropriate loading or placement, and it was done by the policyholder/Insured or himself or by a

relative of theirs.

F) Luggage Delay (abroad)

1. Insured Event

(1) The insurance cover shall apply to events where the Insured receives his/her luggage which was checked-in

under the name of the Insured in compliance with regulations by an airline on an outward journey with delay

after the arrival of the flight (subject to the provisions in paragraph (2) and (3)), and such luggage delay is

reported to an airline representative in writing within 2 hours after the arrival. The insurance cover shall not

apply to the loss of luggage during the operations of an airline.

(2) The Insured receives his/her luggage with delay if, through no fault of his/her own, the luggage checked-in at

the place of departure is delivered after 24 hours in excess of the period stipulated in the travel conditions (travel

contract) after his/her arrival at the destination.

(3) The Insured receives his/her luggage with delay, if the luggage delay in excess of 24 hours is certified by the

airline in a written report, save for the case when the luggage is permanently lost and the airline issues a

certificate on the loss of such luggage.

2. Service of the Insurance Company

(1) If an insured event occurs the Insurance Company shall pay the insurance service subject to the limits

specified in the Schedule of Covers under Section 4 of the general terms and conditions, with respect to any one

occasion of air travel in a single amount without multiplication, irrespective of the number of delayed luggage

items.

(2) The Insurance Company shall settle the claims payment in Hungary after the return of the Insured home, and

shall not undertake to effect payments abroad.


The insurance service may only be paid on condition that the following documents are submitted to the Insurance

Company:

(a) the insurance contract,

(b) airplane ticket,

(c) the written report issued by the transporting airline to the name of the Insured with respect to the luggage

checked-in under the name of the Insured on the luggage delay, indicating the date and period of the delay,

(d) an insurance service claim form provided by the Insurance Company and duly completed by the Insured.

4. Exemptions

The Insurance Company shall be exempt from payment of the insurance service:

(a) if the ground for claims payment cannot be clearly determined on the basis of the documents submitted,

(b) if the luggage delay was caused by the fault of the Insured or a relative of him.

Európai Utazási Biztosító Zrt.

STUDIUM TRAVEL INSURANCE CARD GENERAL …EUB2008-06SD 1/21 STUDIUM TRAVEL INSURANCE CARD GENERAL AND...

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