Travel Assistance InsuranceTravel assistance insurance AIR FRANCE Travel assistance These Terms and...

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IP.75388.V02-11/2018 1 This document contains a summary of the most relevant information relative to the “AIR FRANCE ASSISTANCE" Insurance Product, without taking into account the customer's specific needs and demands. Complete pre-contractual and contractual information is provided in the documentation relating to the insurance contract. What type of insurance is it? “AIR FRANCE ASSISTANCE" is an insurance contract that covers the insured's assistance needs during their trip. The events covered are described in detail in the policy. What is insured? Loss of flight due to delay or accident of the means of public transport used to reach the airport of the departure of the insured trip: new one-way ticket up to the limit of the ticket price of the unused insured flight. Repatriation or medical transfer in the event of illness or accident to the insured. Expenses for prolongation of hotel stays up to € 50 per day / 7 days Travel and accommodation expenses for a family member or companion up to € 50 per day/7 days Repatriation of the deceased insured Medical and hospital expenses outside the country of habitual residence, up to € 60,100 Emergency dental expenses abroad up to € 300 Communication of urgent messages Legal defence abroad up to € 1,500 Advance of legal bond abroad up to € 8,000 Civil liability up to € 60,100 Theft, destruction or loss of luggage: up to € 800 per insured person What is not insured? Incidents for which the trip organizer, as well as the carrier, are responsible in accordance with the purchase conditions, principally for reasons of air safety or overbooking. Is the coverage subject to restrictions? Main exclusions: ! Incidents derived from: - circumstances which were existent and/or known to the insured - unlawful actions of the Insured, or actions of the Insured carried out in contravention of a governmental or legislative ban - a government action. ! Adventure activities and accidents caused by skiing. ! Medical expenses: - Derived from checks relative to previously-known diseases, related to a chronic or pre-existing disease, whether or not known by the Insurer - Dentistry expenses produced in the insured’s habitual country of residence and those of a non-urgent nature. - Relating to prostheses, implants, orthopedics, rehabilitation and physiotherapy - Generated following the conclusion date of the trip ! Third-party liability derived: - from the use and operation of motor vehicles - from all types of professional activity, as well as contractual liability, fines or sanctions - from acts caused by the insured in an act of bad faith or when under the influence of alcohol, drugs or narcotics. ! Incidents related to luggage due: - to negligence, moving house, theft, loss or oversight. - to identity documents, credit cards, keys, money, sports equipment, professional material, glasses, contact lenses, prosthetics, telephone or electronic devices, photographic or image material, as well as computer equipment ! Theft of luggage from inside a private vehicle The purchase of basic necessities. Main restrictions: ! Services not requested during the trip or services that have not been organized by the Insured do not bestow upon the insured the right to reimbursement or Travel Assistance Insurance Information Document on the Insurance Product AWP P&C SA, Sucursal en España, registered in the Special Register of Insurance Entities in Spain under number E0202. Product: "AIR FRANCE ASSISTANCE"

Transcript of Travel Assistance InsuranceTravel assistance insurance AIR FRANCE Travel assistance These Terms and...

Page 1: Travel Assistance InsuranceTravel assistance insurance AIR FRANCE Travel assistance These Terms and Conditions will enable you to familiarise yourself with the details of the contract

IP.75388.V02-11/2018

1

This document contains a summary of the most relevant information relative to the “AIR FRANCE ASSISTANCE" Insurance

Product, without taking into account the customer's specific needs and demands.

Complete pre-contractual and contractual information is provided in the documentation relating to the insurance contract.

What type of insurance is it? “AIR FRANCE ASSISTANCE" is an insurance contract that covers the insured's assistance needs during their trip. The events covered are

described in detail in the policy.

What is insured?

Loss of flight due to delay or accident of the means

of public transport used to reach the airport of the

departure of the insured trip: new one-way ticket up

to the limit of the ticket price of the unused insured

flight.

Repatriation or medical transfer in the event of

illness or accident to the insured.

Expenses for prolongation of hotel stays up to € 50

per day / 7 days

Travel and accommodation expenses for a family

member or companion up to € 50 per day/7 days

Repatriation of the deceased insured

Medical and hospital expenses outside the country

of habitual residence, up to € 60,100

Emergency dental expenses abroad up to € 300

Communication of urgent messages

Legal defence abroad up to € 1,500

Advance of legal bond abroad up to € 8,000

Civil liability up to € 60,100

Theft, destruction or loss of luggage: up to € 800 per

insured person

What is not insured?

Incidents for which the trip organizer, as well as the carrier,

are responsible in accordance with the purchase conditions,

principally for reasons of air safety or overbooking.

Is the coverage subject to restrictions?

Main exclusions:

! Incidents derived from: - circumstances which were existent and/or known to the

insured - unlawful actions of the Insured, or actions of the Insured

carried out in contravention of a governmental or legislative ban

- a government action.

! Adventure activities and accidents caused by skiing.

! Medical expenses: - Derived from checks relative to previously-known

diseases, related to a chronic or pre-existing disease, whether or not known by the Insurer

- Dentistry expenses produced in the insured’s habitual country of residence and those of a non-urgent nature.

- Relating to prostheses, implants, orthopedics, rehabilitation and physiotherapy

- Generated following the conclusion date of the trip

! Third-party liability derived: - from the use and operation of motor vehicles - from all types of professional activity, as well as

contractual liability, fines or sanctions - from acts caused by the insured in an act of bad faith or

when under the influence of alcohol, drugs or narcotics.

! Incidents related to luggage due: - to negligence, moving house, theft, loss or oversight. - to identity documents, credit cards, keys, money, sports

equipment, professional material, glasses, contact lenses, prosthetics, telephone or electronic devices, photographic or image material, as well as computer equipment

! Theft of luggage from inside a private vehicle The purchase of basic necessities.

Main restrictions:

! Services not requested during the trip or services that have not been organized by the Insured do not bestow upon the insured the right to reimbursement or

Travel Assistance Insurance Information Document on the Insurance Product AWP P&C SA, Sucursal en España, registered in the Special Register of Insurance Entities in Spain under number E0202. Product: "AIR FRANCE ASSISTANCE"

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compensation of any kind, except in the cases of force majeure or material impossibility.

! The right to reimbursement only applies to those occurrences for which such a possibility is contemplated.

! Coverages will only be applicable for trips that include flights with AIR FRANCE

! In the event of the application of the missed flight

insurance, the new flight must take place within the 24

following the departure of the insured trip.

! The following waivers will be applied at the Insured’s charge:

- Medical expenses due to accident: €30 - Civil Liability: € 90 - Theft, destruction or loss of luggage: €30

Where am I covered? In the destination of the insured trip which, as indicate in the insurance contract, may be anywhere Europe and the rest in the

world. Assistance may not be provided in War zones or in countries excluded by the Insurer. The assistance coverages will only be valid outside a radius of more than 30 km from the insured’s place of residence (15 km in

the Canary Islands and the Balearic Islands). The luggage coverage will not be applicable in the main or secondary place of residence of the Insured

What are my obligations? To prevent the insurance contract from being cancelled or annulled and/or the covered occurrences reduced or rejected, the insured must: At the time of contracting the insurance:

- Provide the Insurer with the complete, relevant and truthful information as required for the contracting of the insurance; - Pay the price of the insurance

Once the insurance contract has become effective:

- Notify to the Insurer as soon as possible of any changes that have occurred and that may affect the insurance. In the event of a covered occurrence:

- Contact the Insurer to report the occurrence immediately after it occurs and provide all supporting documents in the moment in which they are required;

- Inform the Insurer in the event of having contracted any other additional insurance and inform if any payment has been received from the other Insurer.

When and how do I pay? The price of the insurance is paid at the time of contracting. Payment will be made by bank card or the authorized means of payment.

When does coverage begin and end? The period covered is the period between the date of departure of the insured trip and the date of return, as indicated in the insurance contract, providing the trip does not exceed 92 consecutive days. The departure and return dates of the insured trip will be considered those indicated as such in the insurance contract.

How do I cancel the insurance contract? Requests for cancellation must be sent by registered post or by any other format described in the insurance contract.

- If the insurance has been contracted remotely and lasts more than one month, the contracting party may cancel it within a period of 14 calendar days, provided that no covered occurrence has been reported or will be reported.

- After the abandonment period, as well as in relation to insurance contracts that have not been contracted remotely, the contracting party may cancel the insurance contract at any time, although no refund will be made by the Insurer.

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GENERAL TERMS AND CONDITIONS

Travel assistance insurance

AIR FRANCE

Travel assistance

These Terms and Conditions will enable you to familiarise yourself with the details of the contract established between yourself and AWP P&C, S.A., Sucursal en España (hereinafter ALLIANZ TRAVEL) upon the signing of this insurance policy. Please read this policy carefully, including the applicable exclusions from the same. For any queries or the submission of information, you may contact ALLIANZ TRAVEL’s Customer Service Centre by calling 902 402 440, or visit the company’s website www.allianz-assistance.es, where you will find all the information you need.

Always carry the ALLIANZ TRAVEL telephone number and your policy number with you. If you are travelling in Europe, obtain an "EHIC” (European Health Insurance Card) from your Social Security office. How do I use my policy?

In the event of an emergency or if you need to use the policy, please contact ALLIANZ TRAVEL at 902 21 31 0 from Spain and 34 91 452 29 14 from abroad. Always give your name, policy number, current location and contact telephone number. Accident or illness: in the event of an emergency, go immediately to an appropriate hospital. In non-emergency situations,

call ALLIANZ TRAVEL first. Please take into account that the quality of health services will depend on the degree of development of the country in which the medical attention is required. Permanent loss or theft, destruction of checked-in luggage during flight:

a. Request the corresponding Property Irregularity Report (P.I.R.) before leaving the baggage claim area.

b. Make a list of the contents of your luggage. Theft, loss of or damage to your luggage delivered to the custody of the carrier:

a. You must report the incident to the police at the place and on the date of occurrence, providing a list of the stolen

items and their economic value. Obtain a certificate of denunciation. b. Present a written claim to the transport carrier company within the corresponding period established by each

company. Keep a copy of the claim. c. Obtain a certificate from the carrier, in which the amount in compensation assumed by the carrier is indicated. d. Make a list of the contents of your luggage.

Theft of unchecked luggage or personal effects:

You must report the incident to the police at the place and on the date of occurrence, providing a list of the stolen items and their economic value. Obtain certification of the report. Missed flight: Obtain the supporting documents issued by the public transport operator that certify the delay or accident, as

well as the invoices for the lost ticket and for the new ticket acquired, and communicate the fact immediately to ALLIANZ TRAVEL at the email address [email protected]

TRAVEL RECOMMENDATIONS

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I. Definitions. II. General Provisions. III. Missed Flight Guarantee. IV. Assistance Guarantee - Repatriation. V. Luggage Guarantee.

This Insurance contract is governed by the provisions of:

Insurance Contracts Law 50/80, of 8 October (published in the official Spanish state gazette (B.O.E. 17-10-80) and subsequent amendments.

Law 20/2015, of 14 July, on the ordination, supervision and solvency of insurance companies and reinsurers.

Royal Decree 1060/2015, of 20 November, on the ordination, supervision and solvency of insurance companies and reinsurers.

Royal Legislative Decree 1/2007, 16 November, which approved the Revised Text of the General Law for the Defence of Consumers and Users (Ley General para la Defensa de los Consumidores y Usuarios) and other complementary laws and subsequent amendments.

Law 22/2007, of 11 July, on the distance marketing of financial services to consumers.

Royal Legislative Decree 7/2004, of 29 October, which approved the Revised Text of the Legal Statute of the Insurance Compensation Consortium (Estatuto Legal del Consorcio de Compensación de Seguros).

Any other regulation that may be applicable during the effective life of this policy, as well as those detailed in these General Terms and Conditions, Specific Conditions and, where applicable, Special Conditions.

This contract will be signed under the Right of Establishment.

RIGHT OF WITHDRAWAL IN DISTANCE CONTRACTS In the event of having signed the insurance policy at distance, and in accordance with "Law 22/2007 of 11 July on the distance marketing of financial services to consumers", you are informed that, in the event of the insurance policy being subject to a term in excess of one month, the policyholder may cancel this contract within fourteen calendar days as of the contract date, providing the contract has not been executed prior to the exercise of this right. To exercise the right of withdrawal, the policyholder must send a letter by certified mail or by any other means which provides a record of the dates of sending and reception to the AWP P&C,

S.A., Sucursal en España, Sales and Customer Service Department, Calle Ramírez de Arellano 35, 28043 Madrid, or by email to [email protected] If the policyholder chooses to withdraw from this contract, he/she must pay the proportional part of the premium corresponding to the service effectively provided up until the date of exercise of this right. AWP P&C, S.A., Sucursal en España will refund, within 30 days following receipt of the request, the unused part of the premium. Following the execution of the distance contract, or upon the conclusion of the established period of 14 days, as of the contract date, the policyholder’s right to cancel the contract shall expire, and the policyholder shall be required to pay the agreed premium in full.

I. DEFINITIONS. The following terms are used in this contract:

INSURER is AWP P&C, S.A., Sucursal en España, with registered address in Calle Ramírez de Arellano 35, 3ª planta, 28043 Madrid, and Tax Identification Code (N.I.F.) W0034957A. Registered in the Madrid Mercantile Register, Volume 26.138, Sheet 140, Section 8, leaf M-471120 and registered in the Special Register of Insurance Entities in Spain under number E0202. This is the legal entity that assumes the agreed contracted risk, with monitoring and supervision of the activity corresponding to:

- The Member State responsible for monitoring THE INSURER is FRANCE, and the responsible Authority is “Autorité de Contrôle Prudentiel et de Résolution”, 61 rue Taitbout, 75436 Paris Cedex 09.

- The Directorate General for Insurance and

Pension Funds of the Spanish State Ministry of

TABLE OF CONTENTS

GENERAL TERMS AND CONDITIONS

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Economic Affairs and Finances (Dirección General de Seguros y Fondos de Pensiones, del Ministerio de Economía y Hacienda), in accordance with Article 115 of Law 20/2015, of 14 July, on the ordination, supervision and solvency of insurance companies and reinsurers.

- Spanish regulations are not applicable to the

liquidation of insurance entities, as indicated in Law 20/2015, of 14 July, on the ordination, supervision and solvency of insurance companies and reinsurers.

POLICY HOLDER is the individual or the legal entity habitually resident in Spain who signs the contract with the Insurer and to whom the obligations derived therefrom correspond, except those which by their nature must be met by the insured. If the policyholder is an individual or legal entity ordinarily resident outside Spain, the duration of the contract may not exceed four months as of the date of issue of the same.

INSURED is the individual ordinarily resident in Spain who contracts their flight with AIR FRANCE through its website and is mentioned in the Special Conditions under which the insurance policy is established: In the absence of the policyholder, the insured assumes the obligations deriving from this contract.

ADDRESS : the address where the insured has his/her habitual residence and which appears in the Specific Conditions of the policy.

PREMIUM the price of the insurance. The invoice will also contain any legally applicable surcharges or taxes.

Tax on Insurance Premiums

Insurance Compensation Consortium Surcharges.

- A surcharge to finance the settlement functions of insurance companies

- A surcharge on extraordinary risks

OCCURRENCE is any event that may be guaranteed under this insurance contract. A damaging occurrence or series of occurrences with the same original cause, independent of the number of claimants or claims, is to be considered as a single occurrence.

EXCESS WAIVER is the amount assumed by the insured with regard to each occurrence and in accordance with the policy for each of the risks covered.

POLICY is the document that contains the conditions governing the insurance. The following form an integral part of the policy: the General Terms and Conditions, the Specific Conditions detailing each risk and the clauses which, in accordance with the mutual agreement of the parties , supplement or amend the General Terms and Conditions to the extent permitted by law, the special conditions and supplements or Annexes issued to supplement or extend the same.

EPIDEMIC is the emergence of an infectious disease characterized by a considerable number of affected persons in a localized area within a relatively short time.

SUM INSURED is the amount established in the Specific Conditions, or in the General Terms and Conditions and Special conditions, when applicable,

and which constitutes the maximum compensation to be paid by the Insurer in relation to each occurrence.

TRIP means any journey undertaken outside the insured party’s habitual residence, from the time of departure until the time of return.

FAMILY MEMBERS are limited to spouses, domestic partners, children, parents, grandparents, grandchildren, brothers and sisters, fathers/mothers-in-law, sons/daughters-in-law and brothers/sisters-in-law of the insured, subject to the provisions for each coverage. The insured’s legal guardians will also be given this consideration.

LUGGAGE all personal objects deemed necessary during the flight.

If the content of the policy differs from the insurance proposal or the agreed terms, the Insurance Policyholder may submit a claim to the Insurer, within the period of one month from the delivery of the policy, in order that it may remedy the divergence. If no claim is submitted within this period, the provisions of the policy shall apply.

II. COMMON PROVISIONS. Object of the insurance. The purpose of this insurance policy is to provide assistance for the insured in such cases in which the insured encounters difficulties when travelling or is obliged to observe a period of absence from his/her home or place of habitual residence due to a fortuitous occurrence, in accordance with the cases and conditions contemplated for in the contract. Entry into force and duration of the insurance contract. The contract will enter into force at 00:00 on the day indicated in the Specific Conditions as the date of issue, and will end upon the conclusion of the effectiveness of the guarantees covered, as indicated in the following paragraph. Effect of the guarantees.

The guarantees will enter into effect, following the payment of the premium, as of the departure of the trip as established in the Specific Conditions, and will remain in effect until the finalization date of the same, provided that this period does not exceed 92 consecutive days. They will only be applicable for trips that include flights with AIR FRANCE.

Territorial scope. The coverage guaranteed under this policy will be be valid for flights to Europe and the rest of the world. The assistance guarantees will only be valid outside a radius of more than 30 km from the insured’s residence, 15 km in the Canary Islands and the Balearic Islands. The luggage guarantee will not be applicable in the main or secondary place of residence of the Insured. Premium payment. The policyholder is obliged to pay the premium upon the signing of the contract, and in all circumstances prior to the start of the trip. The premium is payable at the registered address of the Insurer. If, under the responsibility of the policyholder, the premium should remain unpaid, ALLIANZ TRAVEL is entitled to terminate the contract or to demand payment of the premium due.

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Under all circumstances, in the event of a failure to pay the premium prior to an occurrence, ALLIANZ TRAVEL shall be released from any and all obligation. Occurrences. In the event of an occurrence, the insured must inform ALLIANZ TRAVEL immediately.

If the occurrence corresponds to the Assistance-Repatriation guarantee coverage, the insured must call 902 21 31 00 in Spain or 34 91 452 29 14 from abroad (attention is available 24 hours a day, 365 days a year) in order to indicate their current location, a contact telephone number and the type of assistance required. Telephone calls from abroad are to be placed reverse-charge, that is to say, at no cost to the insured.

If the occurrence corresponds to one of the other guarantees, the insured can inform ALLIANZ TRAVEL of the occurrence through the website www.allianz-assistance.es, by email: [email protected] or by telephone 902 34 56 71 or 91 452 2984, within 7 days. Following the conclusion of this period, ALLIANZ TRAVEL may claim for any damages arising from the lack of any such communication.

The insured must employ all the means at his/her disposal to reduce the consequences of the occurrence. Once the ALLIANZ TRAVEL Claims Department has been informed of the occurrence, you will be sent a form or a request for documentation, which must be completed. The form will indicate the documents you will be required to provide in order for the occurrence to be compensated. In all cases, you must attach the supporting documents, invoices, receipts, certificates and original claims, as well as the medical reports and any other supporting documentation, both in relation to the occurrence of incidents covered by this policy and to any expenses that may be compensated under the policy. Please send the information to AWP P&C, S.A. Sucursal en España, Claims Department (Departamento de Siniestros): Calle Ramírez de Arellano 35, 3ª planta, 28043 Madrid. The insured must inform ALLIANZ TRAVEL of any guarantees underwritten with other insurers and covering the same risk. Services not requested during the trip or services that have not been organized by ALLIANZ TRAVEL do not bestow upon the insured the right to reimbursement or compensation of any kind. The right to reimbursement only applies to those occurrences for which such a possibility is contemplated. The specific procedures to be followed are provided below, in accordance with the occurrence in question. These guidelines may be complemented by others indicated in the sections corresponding to each guarantee:

In the event of a civil responsibility occurrence,

the insured must immediately transmit to ALLIANZ TRAVEL all notifications, summonses, letters and, in general, all judicial and extra-judicial documents directed to the insured or to the originator of the event from which the responsibility covered by the insurance is derived. In the absence of an agreement to the contrary, in the case of events covered by this policy, ALLIANZ TRAVEL will take responsibility for all the procedural steps related to the occurrence, acting on behalf of the policyholder or the originator of the events, and will

deal with the individuals affected or their successors and will compensate them if applicable. If a compromise is not reached, ALLIANZ TRAVEL, with the support of its Lawyers and Solicitors, will undertake the defence of the policyholder or the originator of the events in relation to any and all civil proceedings, and to which end the defendant must grant the necessary powers. With regard to criminal proceedings, the Insurer may assume the defence without the consent of the defendant. In the event of the conviction of the insured, the Insurer will decide whether to appeal to the competent High Court. However, if the Insurer considers the appeal inadmissible, it will inform the interested party of its decision, and the interested party shall be at liberty to file an appeal on his/her own behalf. In such an event, the Insurer will be responsible for the reimbursement of all expenses incurred up to the limit of the sum obtained, and providing the appeal results in a favourable sentence. ALLIANZ TRAVEL will satisfy the compensation as indicated below:

a. As a general rule, it must satisfy the

compensation upon the conclusion of the investigations and in accordance with the expert evaluations necessary to establish the existence of the occurrence and, if applicable, the amount corresponding to damage resulting therefrom. The parties may agree to substitute the payment of compensation for the repair or replacement of the damaged object.

b. If an expert assessment has been issued without challenge, the amount will be satisfied within five days.

c. If the expert opinion is challenged, the Insurer shall pay the minimum amount of the sum due in accordance with the circumstances known by the Insurer.

d. In all cases, the Insurer will pay, within the forty days following the reception of the notification of the occurrence, the minimum amount of the sum due in accordance with the circumstances known by the Insurer.

In the event of luggage theft, the insured must report the incident to the police authorities closest to the scene of the crime on the same day on which the theft takes place, providing them with a description of the luggage contents, as well as of their economic value.

In the event of partial or total destruction of luggage during a transfer by a public passenger transport company, the insured must present the supporting documentation provided by the transport company.

In the event of loss of luggage during a transfer by a public passenger transport company, the insured must present a certificate reflecting the facts, as issued by the transport company.

In the event of checked-in flight luggage that is lost, misplaced or destroyed, the insured must request the corresponding Property Irregularity Report (P.I.R.) before leaving the baggage claim area.

Other insurers. Under all circumstances, and in accordance with Law 50/1980 of 8 October on Insurance Contracts, the insured must, upon the

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signing of of the contract or during the effective period of guarantee, inform ALLIANZ TRAVEL of any other guarantees underwritten for the same risk with other insurers. Responsibility. ALLIANZ TRAVEL will not be held responsible for the delay or non-fulfilment of the guaranteed services in such cases in which said delays or non-fulfilments have been caused as a consequence of:

Strikes.

Explosions.

Disturbances.

Civil uprising.

Riots.

Quarantine.

Restriction of free movement.

Sabotage.

Terrorism.

Civil or foreign war, whether declared or not.

Effects of radioactivity or any other acts of fate or force majeure.

Subrogation. ALLIANZ TRAVEL subrogates, up to the full cost of the services provided by the same, the rights and actions corresponding to the insured against any individual or legal entity that is responsible for the events and which have to the intervention in the same. When the services provided in performance of this contract are covered in whole or in part by another Insurer, by the Social Security or by any other institution or person, ALLIANZ TRAVEL shall be subrogated to the rights and actions of the insured against said company or institution. To these effects, the insured is obligated to cooperate with ALLIANZ TRAVEL and to provide any help or any documents that might be deemed necessary. In all cases, ALLIANZ TRAVEL shall be entitled to or to request from the insured the reimbursement of any travel tickets (aeroplane ticket, train ticket, etc.) that have not been used by the insured and providing that the return costs have been borne by ALLIANZ TRAVEL. Expiry of contract.

In the event of the disappearance of the insurable interest during the effective period of the contract, the insurance contract shall cease as of that moment, and ALLIANZ TRAVEL shall have the right to take possession of the unused premium. Limitation.

The actions under this contract shall expire after five years for personal insurance, and two years for damage insurance, as of the day on which they may be exercised. Instances for conflict resolution between the parties. 1. The Ministry of Economic Affairs and Finances regulates,

by means of Order ECO/734/2004 of 11 March, the activities of the Customer Attention Service which ALLIANZ TRAVEL, Sucursal en España places at the disposal of all its clients in order to attend and resolve the complaints and claims presented by policyholders, the insured, beneficiaries, affected third parties and successors to any of the above.

Complaints and claims can be submitted to:

AWP P&C, S.A., SUCURSAL EN ESPAÑA CUSTOMER SERVICE Calle Ramírez de Arellano 35, 3ª planta, 28043 Madrid Or to [email protected]

The Customer Services Department (CSD) will resolve complaints and claims within two months as of the date of presentation.

In the event of disagreement with the decision issued by this Service, the client may appeal to the CLAIMS SERVICE OF THE DIRECTORATE GENERAL FOR INSURANCE AND PENSION FUNDS (SERVICIO DE RECLAMACIONES DE LA DIRECCIÓN GENERAL DE SEGUROS Y FONDOS DE PENSIONES), provided that no definitive agreement has been reached with the Insurer's CSD. Appeals may be presented at:

Paseo de la Castellana 44, 28046 Madrid

The Customer Services Department is governed by the Regulation approved by the Company’s Board of Directors, which can be accessed on our website, www.mondial-assistance.es

2. By means of arbitration.

The Parties, by mutual agreement, may submit the resolution of conflicts that may arise in relation to this contract to the judgement of arbitrators, in accordance with current legislation.

3. By means of court action.

Should either of the parties decide to seek the judgement of the Courts, any such action must be undertaken before the legal institutions corresponding to the insured’s place of residence.

III. MISSED FLIGHT GUARANTEE

ARTICLE ONE. DESCRIPTION OF THE COVERAGE INCLUDED.

If, as a consequence of a delay or accident in the means of public transport which the Insured uses to travel to the airport in order to catch the flight, he/she misses the flight or is unable to be present upon departure, ALLIANZ TRAVEL shall indemnify the Insured, upon the presentation of the corresponding invoices, with a new one-way ticket. The ticket must be valid for a flight with a scheduled departure within 24 hours as of the departure of the missed flight. The compensation limit will be the price of the unusable ticket that the Insured acquired from AIR FRANCE.

In order to process the payment, the Insured must present the supporting documents issued by the operator of the public transfer and which certify the delay or accident, as well as the original invoices issued for the lost ticket and for the new ticket acquired. This compensation will be paid on the provision that is has not been assumed by the transport company. Under all circumstances, the insurance must be underwritten prior to the confirmation of the reservation.

ARTICLE TWO. EXCLUSIONS

All services that have not been previously requested from

the Insurer, or which have been organized directly by the insured without the participation of the Insurer, are excluded, except in the event of force majeure or duly

accredited material impossibility. The following are excluded from the insurance in general:

1. Intentional acts and negligence on behalf of the Insured.

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2. Accidents occasioned in the event of war, whether declared or not, mutiny, civil uprisings or similar.

3. The effects caused by radioactive, biological, or chemical sources.

4. Occurrences caused by earthquakes, seaquakes, floods, volcanic eruptions, atypical cyclonic storms, epidemics, quarantine, sidereal bodies and aerolites, and acts of terrorism.

5. The lack or impossibility of vaccination and the medical impossibility of following the treatment required in order to travel to certain countries.

6. The failure to present, for any reason, the required travel documents, such as passports, visas, tickets or identity cards.

IV. ASSISTANCE GUARANTEE – REPATRIATION.

ARTICLE ONE - DESCRIPTION OF THE COVERAGE INCLUDED. 1. Repatriation or medical transfer in the event of illness

or accident to the insured.

In the event of the insured contracting an illness or being the victim of an accident during the insured trip, the ALLIANZ TRAVEL medical team will determine the most suitable action to be adopted in accordance with the severity and urgency of the case. The Insurer will organize the necessary contacts between its medical team and the doctor responsible for treating the insured, in order to provide appropriate health care.

In the event of emergency and serious medical conditions, and at the discretion of the ALLIANZ TRAVEL medical team, in contact with the doctor responsible for treating the insured and his/her family and taking into account any medically-necessary actions, the decision will be taken whether or not to transfer the insured. The Insurer will organize any such transfer from the insured’s location to the nearest or the most suitable medical centre in accordance with the insured’s condition, or to the insured’s home when no hospitalization is required. If it not possible to admit the patient to a hospital near to his/her residence, ALLIANZ TRAVEL will take responsibility for the subsequent transfer to the home of the insured. ALLIANZ TRAVEL will be solely and exclusively responsible for the repatriation of the insured in the event such a measure is required on medical grounds.

In the event of conditions that do not require repatriation, the transfer to the location in which the necessary care can be provided will be made using the most suitable means. Similarly, ALLIANZ TRAVEL will organize the repatriation of the insured and an insured companion or insured members of the insured’s family (spouse, ancestor, descendant, brother/sister) should it prove impossible on medical grounds (the severity of which will be verified by the ALLIANZ TRAVEL medical team) for the insured to use the planned means of return transport. In such cases, the insured must first call the ALLIANZ TRAVEL Customer Service Department in order to request medical attention. ALLIANZ TRAVEL will be responsible for all additional transport costs generated by an insured companion or the insured or the insured members of the insured’s family (spouse, ancestor, descendant, brother/sister, legal guardian) in such cases in which it proves impossible to employ the initial means of return transport for the repatriation of the insured.

Should, once the insured has recovered, the insured and the insured members of his/her family (spouse, ancestor, descendant, brother/sister) or insured companion of the insured wish to continue the trip and his/health permits the same, ALLIANZ TRAVEL will be responsible for organizing their transfer to the destination, providing that the related cost does not exceed the cost of returning the insured to his/her habitual place of residence. Nevertheless, the costs derived from the pathology suffered by the insured will not be covered if he/she decides to continue to the destination of his/her trip.

2. Expenses corresponding to an extended hotel stay.

ALLIANZ TRAVEL will assume the costs for an extension of the insured’s stay in a hotel in accordance with doctor’s orders, with the agreement of its medical team, up to a maximum amount of € 50 per day for a maximum duration of 7 days.

3. Travel and accommodation expenses for a family

member or companion.

Should the ALLIANZ TRAVEL medical team consider that the insured must remain hospitalized for more than 5 days (3 days in the cases of minors and the physically/mentally impaired), and provided that the insured is unaccompanied at the time, ALLIANZ TRAVEL will assume responsibility for:

A return ticket in train (1st class) or aeroplane (tourist class) in order that one person may travel to the location in which the insured is hospitalized.

The hotel expenses of a family member or companion who has travelled to the location, up to a limit of € 50 a day for a maximum of 7 days.

4. Repatriation of the deceased insured.

In the event of the death of the insured, ALLIANZ TRAVEL will take responsibility for:

The cost incurred by transferring the body from the place of death to the place of burial.

The expenses incurred by the necessary preparatory tasks prior to the transfer, up to a limit of € 750.

The additional transport expenses corresponding to the insured members of the insured’s family (spouse, civil partner, ancestor, descendant, brother/sister) or to an insured companion of the insured in such cases in which the means initially planned for transport to his/her place of residence cannot be employed for the repatriation of the insured.

5. Medical expenses.

ALLIANZ TRAVEL will take responsibility for the payment or reimbursement of medical, surgical, pharmaceutical and hospital costs originating, that is to say, caused and produced, during a trip outside the country in which the Insured has his/her habitual residence, up to the limit of € 60,100. An excess waiver of € 30 is established for accidents.

In all cases, the Insurer will be responsible for said medical costs prior to the intervention of the Social Security services or any other organization with the obligation to provide attention. The insured is obliged to provide the Insurer with information regarding such

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interventions.

The insured must take the “European Health Service

Card” with them if they travel to Europe. The insured must carry the corresponding form when travelling to other countries with which a Social Security agreement has been established.

6. Communication of urgent messages.

Messages deriving from the guarantees under this

contract and which are transmitted via the 24-hour Customer Services Department, or by the insured directly. If the insured party communicates the messages directly, ALLIANZ TRAVEL will only be responsible for the

corresponding costs upon presentation of all corresponding invoices and documents justifying the urgency of the message.

7. Legal defence expenses outside the country of

habitual residence.

In the event of the insured having to hire a lawyer for his/her legal defence outside their country of habitual residence or nationality, and provided that the acts imputed are not liable to criminal penalty under the laws of

the country in which the insured is located, ALLIANZ TRAVEL will reimburse the corresponding lawyer’s fees to the limit of € 1,500.

Events related to the insured’s professional activity, the use or custody of a motor vehicle and any contractual responsibilities to which the insured is party are formally excluded from the scope of this

guarantee. The insured agrees to send ALLIANZ

TRAVEL, in the shortest possible time, the supporting documents for his/her lawyer’s fees. Under no circumstances is this a legal expenses insurance, but

rather ancillary travel assistance coverage. 8. Advance of bail outside the country of habitual

residence.

ALLIANZ TRAVEL will advance, up to a limit of € 8,000,

the amount of the bail demanded under domestic law, in order that the insured may obtain his/her freedom in the

event of his/her having been charged as a result of a traffic accident for which he/she is responsible.

ALLIANZ TRAVEL reserves the right to request collateral

or a guarantee from the insured in order to ensure repayment of the advance.

Within three months as of the corresponding request from ALLIANZ TRAVEL, the insured is obliged to refund the amount of the advanced bail. If, prior to the conclusion of the three-month period, the

bail is reimbursed to the insured by the country’s authorities, the insured must return the advanced bail to ALLIANZ TRAVEL immediately. In the event of the insured failing to return the amount of the advanced bail

within three months, ALLIANZ TRAVEL reserves the right to demand, in addition to the said amount, all expenses and interest calculated in accordance with the current legislation.

9. Emergency dental expenses.

ALLIANZ TRAVEL is to be responsible for the payment or

reimbursement of dental expenses for treatment which, due to infection, trauma or pain, is deemed urgent, providing such treatment is provided outside of the habitual country of residence and up to the limit of € 300.

10. Third-party liability.

Third-party liabilities are guaranteed for personal and/or material damages when caused involuntarily by the insured to people, animals or objects and that are the consequence of accidental events that have occurred during the trip, up to a limit of € 60,100 (excess waiver € 90).

This limit includes the payment of legal costs and expenses and any bail demanded of the insured.

ARTICLE TWO - GENERAL EXCLUSIONS All services that have not been previously requested from ALLIANZ TRAVEL, or which have been organized directly by the insured without the participation of the Insurer, are excluded, except in the event of force majeure or duly accredited material impossibility. The exclusions detailed below will be applicable to all coverage under the Assistance / Repatriation guarantee. 1. Illnesses, accidents or deaths caused by the

consumption of alcohol, drugs and narcotics, except

when prescribed by a doctor and consumed as

indicated.

2. Fraudulent acts and negligence on behalf of the insured,

as well as self-inflicted injuries, suicide and attempted

suicide by the insured.

3. Accidents occasioned in the event of war, whether

declared or not, mutiny, rebellion, insurrection, actions

of the Armed Forces, coupe d'état, civil uprisings or

similar, except when the insured has been surprised by

the start of a conflict abroad. In such cases, the

insurance guarantees will cease to be effective

FOURTEEN days as of the start of the conflict.

4. The effects caused by a source of biological or chemical

radioactivity, as well as damages resulting from the use

of nuclear weapons. Occurrences arising directly or

indirectly from chemical or biological materials,

substances or components that can damage or destroy

human life or create social alarm.

5. Occurrences caused by earthquakes, seaquakes, floods,

volcanic eruptions, atypical cyclonic storms, epidemics,

pandemics, quarantine, sidereal bodies and aerolites,

and acts of terrorism.

6. The following activities are excluded: blowpipe practice,

archery, hot air balloon trips, windsurfing, kite surfing,

sailing, fishing, golf, mountain biking, canoeing,

kayaking, hiking, fishing, orientation, excursions on

horseback, riding quads, excursions in 4&4 vehicles,

go-karts, motor boating, trekking, paint-ball, jet skis,

ultralight aviation, helicopters, water skiing, ultra tube

and bus bob, rafting, paragliding, canoe rafting, hydro-

speed, parachuting, snowboarding, snowshoes.

The practice of all professional sports, remunerated or

otherwise, independently of the nature of their practice

(competition or preparatory training) and; canyoning,

bungee jumping, mountaineering, rock climbing, alpine

climbing, scuba-diving, potholing and any other activity

considered to be high-risk. Sporting expeditions at sea,

in mountainous regions and/or in deserts are also

excluded.

7. Skiing or snowboard accidents.

8. All types of trips with therapeutic objectives or to

receive aesthetic treatments are excluded.

9. Search and rescue operations at sea, in mountainous

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regions and/or in deserts.

10. With regard to costs for tasks associated to the

preparation of cadavers, the following are excluded:

burial, ceremonial and undertaker costs.

11. Expenses occasioned by an illness or accident from

which the insured has not recovered upon starting their

trip, or at the time of continuing the trip in accordance

with guarantee 1, when said trip should not have been

undertaken due to said illness or accident in the opinion

of the ALLIANZ TRAVEL medical team.

12. Repatriations or transfers produced as a result of

mental illnesses that require a period of hospitalization

of less than 24 hours in the destination according to the

criteria of the ALLIANZ TRAVEL medical team.

13. Trips booked or initiated contrary to medical opinion.

14. Occurrences arising from circumstances which were

existent and/or known to the Policyholder/Insured upon

contracting the insurance.

15. Occurrences arising from the unlawful actions of the

Insured, or actions of the Insured carried out in

contravention of a governmental or legislative ban,

including those relative to requirements for obtaining a

visa or a passport, as well as those derived from a

governmental action, such as confiscation, detention or

destruction.

16. Damage caused by water leaks or escapes, and/or by

pollution or contamination.

17. Occurrences affected by a breach or by any class of

insolvency, as well as situations of receivership and

bankruptcy, of a services provider, including: carriers,

travel organizers and hotel services.

18. Occurrences arising directly or indirectly from a

terminal illness diagnosed prior to the contracting of

insurance.

19. Additional costs or charges resulting from errors or

omissions in the booking of the trip or in obtaining visas

or passports.

20. Occurrences arising from a failure to observe

governmental warnings, or those issued by any other

official body, relative to a recommendation not to travel

to a particular country or zone, or relative to situations

involving strikes, riots, adverse weather conditions, civil

unrest or contagious diseases and in relation to which

the Insured fails to adopt adequate measures to avoid or

minimize any occurrence (including changing the date

of the trip to the country or zone to which the

recommendation refers).

21. Occurrences resulting from depression, anxiety, stress

and mental or nervous disorders.

In additional to the previously cited general exclusions

(sections 1 to 21, both inclusive), the following exclusions

will also apply to the MEDICAL COSTS coverage:

22. Tests related to pre-existing illnesses.

23. Thermal treatment, heliotherapy or aesthetic treatment

expenses.

24. Prostheses, implants and orthopaedic material,

rehabilitation and physiotherapy costs.

25. Vaccination costs; dentistry expenses produced in the

insured’s habitual country of residence and/or

nationality and those of a non-urgent nature.

26. Expenses incurred following the conclusion date of the

trip.

27. Contraception and voluntary pregnancy termination

expenses.

28. Preventative medicine expenses.

29. Expenses for medication considered, in the opinion of

ALLIANZ TRAVEL’s medical team, as inappropriate for

the insured’s condition.

30. Medical expenses incurred less than 30 kilometres from

the policy-holder's home (15 kilometres in Spanish

islands).

31. Expenses related to chronic illness or pregnancy

complications.

32. Expenses originated by treatments started in the

country of origin.

33. Medical expenses related to any type of mental illness

or psychological disorder.

34. Expenses originated by a pre-existing illness,

independently of the insured’s awareness of such an

illness.

35. Medical expenses of less than € 30 in the event of an

accident.

With regard to the THIRD-PARTY LIABILITY coverage, the

general exclusions (sections 1 to 21, both inclusive) and the

exclusions listed below will apply:

36. Any type of responsibility derived from the use of motor

vehicles, aircraft, and vessels and from the use or

ownership of arms or incendiary devices or any kind.

37. Responsibilities derived from any type of professional

activity. Contractual third-party liability.

38. Responsibility derived from the professional practice of

sports.

39. Damages caused to objects or animals that have been

borrowed, rented or left as a deposit.

40. Fines and sanctions.

41. Damages caused to relatives and other people living

with the insured or to parties insured by the same

insurance.

42. Damages caused in fights, bets, demonstrations,

disturbances, etc.

43. Accidents caused by skiing or the practice of any other

adventure sport.

44. Damages caused by the insured in an act of bad faith.

45. Damages caused by the Insured when under the

influence of alcohol, toxic drugs or narcotic drugs.

46. Damages caused by earthquakes, seaquakes,

extraordinary floods, volcanic eruptions, atypical

cyclonic storms and sidereal bodies and aerolites.

47. Damages caused by terrorism, rebellion, mutiny and

civil uprising.

48. Damages caused by the events or activities of Armed or

Security Forces in times of peace.

49. Expenses of less than € 90.

This policy does not provide coverage or benefit for any

business or activity, to the extent that such coverage,

benefit, business or activity, including underlying activities,

infringes the laws or regulations of the United Nations or

the European Union on economic sanctions, as well any

other legislation relating to economic or trade sanctions

that may apply.

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V. LUGGAGE GUARANTEE

ARTICLE ONE - DESCRIPTION OF THE COVERAGE

INCLUDED.

1. Luggage is insured against:

Theft, understood as the removal of third-party

personal property against the will of the

insured, by means of acts involving violence

or intimidation or the use of force.

Partial or total destruction during transfer by

public passenger transportation company.

Loss during transfer by a public passenger

transportation company.

In the event of partial or total destruction of luggage, as

well as its loss during transfer by a public passenger

transport company, the Insurer will supplement the

payment corresponding to the transport company,

previously paid by the same, up to the total amount of €

800 per insured person, with a waiver of € 30. The

maximum compensation will cover for all losses

suffered by the insured during the contracted

guarantee period.

CALCULATION OF COMPENSATION.

Compensation is calculated in accordance with the true value of

the affected objects, that is to say, the value that the affected

objects possess immediately prior to the occurrence. This value

is determined by deducting depreciation due to age, use, and

wear from the value of the new object (the sales price of the

insured object when purchased new). The compensation may

not exceed the total amount of the damage suffered or take into

consideration indirect damages.

Nevertheless, the maximum compensation for all the

valuable objects will be 50% of the aforementioned

guaranteed amount, taking into account the following:

Jewels, objects containing precious

metals, precious stones, pearls and

watches are only guaranteed against theft

and only if any such theft occurs when the

insured is wearing such objects or when

they have been deposited in the safe of a

hotel.

Photography, cinematography, recording

or audiovisual reproduction equipment

and accessories, as well as leather

garments, are guaranteed only when being

carried by the insured or when they have

been deposited in a left-luggage locker.

ARTICLE TWO - GENERAL EXCLUSIONS. The luggage guarantee will not be applicable in the main or

secondary place of residence of the Insured.

1. All occurrences:

• Intentionally caused by the insured or as a result of

the serious negligence of the insured.

• Resulting from a decision taken by the competent

authority during civil or foreign wars, whether

declared or not, mutinies, rebellion, insurrection,

actions of the armed forces, coupes d'état, civil

uprisings, acts of terrorism or of a similar nature, and

the deliberate failure to observe official prohibitions.

• Caused by moving house.

2. Theft committed by the insured party’s staff whilst

working.

3. The removal of objects left unattended in a public

place.

4. Destruction resulting from a fault in the object itself,

from normal wear, spillage of liquids, oily materials,

dyes or corrosive materials that may form part of the

luggage of the insured.

5. The destruction of fragile objects, ceramics, glass,

porcelain and marble.

6. Non-violent theft, loss, or misplacement of objects.

7. Thefts from inside a private vehicle, except when such

a vehicle is a hire car.

8. Occurrences caused by earthquakes, seaquakes,

floods, volcanic eruptions, atypical cyclonic storms,

epidemics, quarantine, sidereal bodies and aerolites,

and acts of terrorism.

9. Occurrences arising from circumstances which were

existent and/or known to the Policyholder/Insured

upon contracting the insurance.

10. Occurrences arising from the unlawful actions of the

Insured, or actions of the Insured carried out in

contravention of a governmental or legislative ban, as

well as those derived from a governmental action,

such as confiscation, detention or destruction.

11. Occurrences derived from the consumption of

alcohol, drugs and narcotics are also excluded.

12. Damage caused by water leaks or escapes, and/or by

pollution or contamination.

13. Occurrences affected by a breach or by any class of

insolvency, as well as situations of receivership and

bankruptcy, of a services provider, including: carriers,

travel organizers and hotel services.

14. Occurrences arising from a failure to observe

governmental warnings, or those issued by any other

official body, relative to a recommendation not to

travel to a particular country or zone, or relative to

situations involving strikes, riots, adverse weather

conditions, civil unrest or contagious diseases and in

relation to which the Insured fails to adopt adequate

measures to avoid or minimize any occurrence

(including changing the date of the trip to the country

or zone to which the recommendation refers).

15. The effects caused by a source of biological or

chemical radioactivity, as well as damages resulting

from the use of nuclear weapons. Occurrences arising

directly or indirectly from chemical or biological

materials, substances or components that can

damage or destroy human life or create social alarm.

The following objects / expenses are excluded:

16. Documents, identity cards, credit cards, magnetic

cards, transport tickets, cash, securities and keys.

17. Bicycles, hunting rifles, windsurf boards, snowboards and all types of sporting materials, including accessories.

18. Professional materials.

19. Musical instruments, objets d’art, antiques, collections and merchandise.

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20. Spectacles, contact lenses, prostheses and orthopaedic apparatus of any kind.

21. Telephonic and electronic apparatus and their accessories, except as established in the "Compensation Limit" section for photography, cinematography, and recording or audiovisual equipment.

22. Any type of computer material.

Obligations of the insured upon recovery of stolen or lost objects:

The insured must inform ALLIANZ TRAVEL in writing as soon as the insured is aware of the fact.

ALLIANZ TRAVEL has not yet paid compensation, the insured must take possession of the objects. ALLIANZ TRAVEL will only be responsible for the costs generated by possible damages and partial losses, always provided that such concepts are covered by the policy.

If ALLIANZ TRAVEL has already paid the insured, the insured may choose to either relinquish the objects, which will become the property of ALLIANZ TRAVEL, or to keep possession of them and return the compensation to ALLIANZ TRAVEL, with the corresponding deduction of the compensation for damage or partial loss. Should the insured choose neither option within a period of fifteen days, ALLIANZ TRAVEL will consider the insured to have chosen to relinquish the objects.

2018.11

AWP P&C SA ,

Sucursal en España

C/ Ramírez de Arellano, 35

28043 – Madrid

Tel.: 902 102 998

Fax: +34 913 255 443

www.allianz-assistance.es

Madrid Registry of Commerce, Volume 26138, Sheet 140, Section 8, Leaf M-471120. TAX IDENTIFICATION CODE (C.I.F.) W0034957A

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Privacy statement

FULL INFORMATION ABOUT PERSONAL DATA PROTECTION

PRIVACY

STATEMENT

We care about the processing of your personal data. AWP P&C SA Sucursal en España, is the permanent establishment in Spain of the French insurance company AWP P&C S.A., registered in the Administrative Register of Insurance and Reinsurance Entities of the General Directorate of Insurance and Pension Funds, under code E0202. The protection of your privacy is our top priority. This statement explains how and what type of personal data will be collected, why they are collected and with whom they are shared. Please read this notice carefully.

1. Who is responsible for the processing? A data controller is the individual or legal person who controls and is responsible for maintaining and processing the personal data. Identity: AWP P&C SA, SUCURSAL EN ESPAÑA. (NIF) Tax Identification Number: W0034957A Registered office: C/ Ramírez de Arellano 35, 28043 Madrid. Phone: 91 325 54 40 E-mail: [email protected] Contact with the data protection delegate: [email protected]

2. Why do we process your data? AWP P&C SUCURSAL EN ESPAÑA will process your personal data for the following purposes:

The contracting, management, maintenance and development of the insurance contract.

To process your claims and complaints, and conduct any investigations and appraisals necessary to establish the existence of the occurrence, to determine the corresponding coverage and the amount of compensation and/or refunds to be paid by the insurance company, including within the scope of the provisions of Article 32 of Law 50/1980 on Insurance Contracts (multiple insurance).

In the case of policies with a Medical Assistance and Expenses guarantees, we will process your health data to determine the coverage and scope of care required, the amount of the covered services, and to manage the payment or refund, as appropriate, of the health services provided.

To fulfil the obligations under the insurance contract, the provisions of Insurance Contract Law 50/1980 and other applicable regulations governing the same.

To prevent, investigate and/or discover fraud in risk selection and claims management.

To undertake statistical and quality control studies, as well as occurrence analysis.

To fulfil legal obligations, such as, but not limited to, those applicable to administrative, accounting and fiscal control.

To exercise the rights and fulfil the obligations contracted by AWP P&C S.A. Sucursal en España with other insurers or reinsurers with which reinsurance or coinsurance contracts may have been

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established for the coverage of the particular risk, and to whom your personal data will be provided for this purpose, in accordance with the provisions of Insurance Contract Law 50/1980.

Advertising purposes and commercial prospection relative to the company’s own products and services or to those of duly-legitimized third parties.

Automated decision-making (including profiling).

Communication of data to the competent public administrations, to Courts and Tribunals or to the State Security Forces.

We will process your data when so required under European Union Law or a law which may determine the general processing conditions and the types of data which are the object of the same, as well as the granting of the same derived from the fulfilment of the legal obligation.

Special processing conditions, such as the adoption of additional security measures and others of a similar nature, in accordance with the provisions of the European Data Protection Regulation.

We will record your voice and conserve the telephone conversation in order to maintain the quality of the services provided, and may use such recordings as evidence in judicial or extrajudicial claims procedures, as well as deliver such recordings when so required by the competent authorities.

3. How will we obtain your personal data?

In order to formalize the insurance contract, we will receive your personal data directly from the company AIR FRANCE with which you have contracted the services. We will normally collect the personal data provided directly by the interested party and by various means; forms for requesting data, telephone conversations, postal or electronic mail and fax. The policy holder must facilitate the information contained in this privacy statement to the rest of the insured persons included in the policy or third parties whose data they provide, both for the formalization of the insurance contract and for the processing of the accident and/or claims, assuming responsibility for obtaining the explicit consent of such persons for the processing of the data for the purposes exposed. Similarly, for the purposes indicated above, we may collect your personal data by means other sources, such as access through public sources (newspapers and official bulletins, public records, social networks and Internet) or through third parties (family and companions for the processing of files and claims, insurance intermediaries and other insurance companies for the formalization of insurance and reinsurance contracts, experts, lawyers and other technical personnel for the management of incidents and claims). The data that we request from you and that we will process for the purposes indicated include the following categories: identifying data, economic data, sensitive data (when necessary for the services established in the signed contract).

4. What is the legitimate basis for the processing of your data? LEGITIMATION RELATIVE TO THE EXECUTION OF THE CONTRACT

Contracting, maintenance, development and control of the insurance contract.

To process your claims and complaints, and conduct any investigations and appraisals necessary to establish the existence of the occurrence, to determine the corresponding coverage and the amount of compensation and/or refunds to be paid by the insurance company, including within the scope of the provisions of Article 32 of Law 50/1980 on Insurance Contracts (multiple insurance).

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In the event that the required information is not provided, it will not be possible to process the application for the contracting of the requested insurance or service, nor may your claims be processed or the incident declared as resolved. LEGITIMATION BY CONSENT OF THE INTERESTED PARTY

In the case of policies with a Medical Assistance and Expenses guarantees, we will process your health data to determine the coverage and scope of care required, the amount of the covered services, and to manage the payment or refund, as appropriate, of the health services provided.

When duly authorized by you to do so, we may undertake advertising campaigns relative to our company’s products that may be of interest to you, and which may be carried out by any means (including remotely via electronic means), and of which you will be duly informed at the time of obtaining your consent.

When duly authorized by you to do so, we may undertake advertising campaigns relative to our company’s products that may be of interest to you, and which may be carried out by any means (including remotely via electronic means), and of which you will be duly informed at the time of obtaining your consent.

When duly authorized by you to do so, we will provide your data to companies pertaining to the Allianz Group (link to Allianz SE website), in order that they may undertake advertising campaigns which may be carried out by any means (including remotely via electronic means), and of which you will be duly informed at the time of obtaining your consent.

Any failure to authorize the processing of your data for the purposes indicated will not affect the maintenance, development and control of the subscribed insurance contract. LEGITIMATION BY VIRTUE OF LEGITIMATE INTEREST OF THE CONTROLLER OR THIRD PARTY

To prevent, investigate and/or discover fraud in the selection of risks and in claims management.

To undertake statistical and quality control studies, as well as occurrence analysis.

To exercise the rights and fulfil the obligations contracted by AWP P&C S.A. Sucursal en España with other insurers or reinsurers with which reinsurance or coinsurance contracts may have been established for the coverage of the particular risk, and to whom your personal data will be provided for this purpose, in accordance with the provisions of Insurance Contract Law 50/1980.

Undertaking of general or customized commercial actions aimed at offering you products or services provided by the insurer and which are similar to those you have already contracted. Such actions may be carried out by any means, including electronically (email, SMS, social networks, mobile applications, etc.).

LEGITIMATION BY VIRTUE OF FULFILMENT OF A LEGAL OBLIGATION

Communication of data to the competent public administrations, to Courts and Tribunals or to the State Security Forces.

We will process your data when so required under European Union Law or a law which may determine the general processing conditions and the types of data which are the object of the same, as well as the granting of the same derived from the fulfilment of the legal obligation.

Special processing conditions, such as the adoption of additional security measures and others of a similar nature, in accordance with the provisions of the European Data Protection Regulation.

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5. Who will have access to your personal data? Who will receive your personal data? We will ensure that the personal data collected is processed for suitably legitimated uses and purposes, either by virtue of your authorization, in order to meet obligations or to exercise legally-recognized rights. For the declared purposes and under the indicated conditions, your personal data may be transferred to the following recipients, who will act as data controllers in relation to the personal data that they process:

- Public authorities. - Other companies pertaining to the Allianz group. - Other insurers, co-insurers and reinsurers. - Insurance intermediaries. - Banks.

We may also share your data, for the declared purposes and under the indicated conditions, with the following recipients, who will hold responsibility for the processing of personal data in accordance with our instructions:

- Other companies pertaining to the Allianz group, including when they are located in countries outside the European Economic Area. In relation to any processing of personal data which they may carry out, such companies are bound by the Allianz Privacy Standards (Allianz’ BCR), which establish adequate protection for personal data and are legally-binding for all Allianz Group companies. Allianz’ BCR document and the list of Allianz Group companies that comply with them can be accessed via the ALLIANZ websites. Similarly, they are also bound by a signed contract that includes Standard Contractual Clauses approved by the European Commission.

- Technical consultants. - Professionals, lawyers, experts and companies/entities providing services. - Advertising and marketing companies, for the sending of commercial information, in accordance with

the Information Society and Electronic Commerce Services Act 34/2002, and in accordance with the consent granted by yourself.

- Service providers. We will not share your personal data with third-parties with whom there exists no relationship for the sending of advertising communications without your consent. Finally, we may share your personal data in the following instances:

- In the event of any contemplated or actual reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in any insolvency or similar proceedings).

- To meet any possible legal obligations. This includes the relevant ombudsman, in the event that you file a complaint about the product or service we have provided to you.

6. Where will your personal data be processed?

Your personal data may be processed in countries located both inside and outside the European Economic Area (EEA) by the aforementioned recipients, who are bound by the applicable confidentiality and security conditions in accordance with current data protection regulations. We will not disclose your personal data to parties who are not authorized to process them.

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Privacy statement

Whenever we transfer your personal data for processing outside of the EEA by another Allianz Group company, we will do so on the basis of Allianz’ approved binding corporate rules, known as the Allianz Privacy Standard (Allianz’ BCR), which establish adequate protection for personal data and are legally-binding for all Allianz Group companies. Allianz’ BCR document and the list of Allianz Group companies that comply with them can be accessed via the ALLIANZ websites. When Allianz’ BCR are not applicable, we will instead take steps to ensure that the transfer of your personal data outside of the EEA receives an adequate level of protection, comparable to that it receives within the Area. You may request information about the measures adopted in relation to these transfers by contacting us via the channels indicated in this statement.

7. What are your rights and how can you exercise them? In accordance with the applicable legal provisions, you have the right to:

- Access your personal data and ascertain the origin of the same, the purposes and objectives of the processing, the categories of the personal data processed, the identifying details of the data controller(s), of the recipients and the categories of the recipients to whom your data may be transferred.

- Update or correct your Personal Data in order to maintain their accuracy. - Delete your personal data from our records if it is no longer needed for the purposes indicated above. - Restrict the processing of your personal data in certain circumstances, for example where you have

contested the accuracy of your personal data, for the period necessary for the verification of their accuracy.

- Obtain a copy of your personal data subject to processing in electronic format and transfer the same to the data controller of your choice.

- Withdraw your consent at any time in such cases in which your personal data is processed in accordance with the consent granted.

- Where permitted by the applicable law or regulation, you have the right to oppose the processing of your personal data or to request the termination of the processing of your personal data for any of the indicated purposes. Following the reception of your request, we will cease to process your personal data, except in legally-permitted cases and circumstances.

You can request the exercise of your rights by writing to AWP P&C S.A. Sucursal en España (indicating “SUBJECT DATA PROTECTION"), Cl Ramírez de Arellano 35, 28043 de Madrid, via the e-mail [email protected] You may submit a complaint or claim at any time regarding your rights and interests in relation to data protection by contacting the Spanish Data Protection Agency (https://www.agpd.es), C/ Jorge Juan, 6 (28001) Madrid. Tel.: 902 007 214 – 91 837 22 95.

8. How long do we store your personal data? We will keep your personal data for the purposes indicated while the subscribed insurance contract is effective and, once the effective period has expired:

- During the period of 6 years as of the last entry registered in order to comply with the accounting obligations under article 30 of the Commercial Code.

- During the limitation periods of the claim actions based on the insurance contract included in article 23 of the Insurance Contract Law 50/1980.

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Privacy statement

We will not retain your personal data for longer than necessary and we will hold them only for the purposes for which they were obtained.

9. How can you contact us? If you have any questions about how we use your personal information, you can contact us through the means indicated in point 1 of this statement.

10. How often do we update this privacy notice? We regularly review this privacy notice. We will make sure that the most recent version is available on this website and we will directly notify you of any important changes that may affect you. Date of last update 04/05/2018.

AWP P&C SA , Sucursal en España

C/ Ramírez de Arellano, 35

28043 – Madrid

Tel.: 902 102 998

Fax: +34 913 255 443

www.allianz-assistance.es

Madrid Registry of Commerce, Volume 26138, Sheet 140, Section 8, Leaf M-471120.

TAX IDENTIFICATION CODE (C.I.F.) W0034957A