TRAVEL INSURANCE AIR FRANCE COVER OVERVIEW

AlliatradeDutcPoe1059The

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DepA. B. C.

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a. b. c. d. e.f. g. h. Fui. j. k.l.

anz Global Assistae name of AGA Inch branch ldijkstraat 4 9 VM Amsterdam Netherlands

For im

P

ce where damag

pending on the preCategory IV Category I, II, IIICategory I up to

Category I : EmThe Company

. Sickness, accAdditional accoAdditional costCosts of hospit

. Premature caAdditional cost

Missed flight Additional trave

. Forced delay Additional accoAdditional cost

. Return to FinlSearch and re

. Coming over oIn the event of Additional traveAdditional accoIf the insured cAdditional traveAdditional acco

. Transport cosTransport costFuneral or crem

urthermore, the CSending mediShipment costs

TelecommuniAdditional cos

ance Europe nternational SA,

mmediate assist

Pertaining to and

e must be report

emium paid and th

I, V and VI and including VI

mergency Expeinsures the follo

costs acident and/or deaommodation coststs of returning to Ftal visits all back : ts of returning to F : el expenses : ommodation expets of returning to Fland by air ambuescue operationsof relatives

danger to life: el costs (max. twoommodation costscontinues the journel costs (max. oneommodation costssts in case of deats of the remains omation costs abroompany will reimbicines, prostheses cations costs sts in connection

Allianz Globais registered No. 3309460 AGAE-travelassistance.n

TRAV

tance in the eveF

forming an integraAllianz G

ted for categorie

he completion of t: Cance: Assis: Trave

nses owing costs up tare necessary inath : s Finland

Finland

enses Finland ulance s

o relatives) s (max. two relativney alone: e relative) s (max. one relativath : or oad incl. travel cosburse the followinges or aids :

n with a travel co

al Assistance Euroin Amsterdam

03

lsupport@allianz-nl

VEL INSURCOVER

ent of hospitaliFalck Oy, + 35

al part of the GeneGlobal Assistance

s I, IV, V and VI:

he insurance certellation Insurancetance Only Insura

el Insurance and C

o the maximum n connection wit

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sts of two relativesg costs if they are

ompanion insure

ope

RANCE AIRR OVERVIE

zation or death58 9 37477220

eral Conditions ofEurope, with offic

Falck Oy Malmin kaup00700 HelsinFinland

Tel : + 358 9E-mail : clai

ificate, this insurae ance Cancellation Insura

amounts statedh

s e caused by an eve

ed elsewhere

R FRANCEEW

h, repatriation to0, day or nigh

f Insurance and thces in Amsterdam

ppatie 8 A nki

9 37477430 ([email protected]

nce shall be valid

ance

d, if these

ECE

C

U

ECEE

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CE

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ent insured under

CEIt

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o Finland pleaseht

e certificate of ins.

0 - 17.00)

for:

(p.p. per ev

EUR 50 p.pCost price EUR 50 per

Cost price

Up to the price pa

EUR 50 p.p. Cost price EUR 150 000 EUR 750

Cost price EUR 50 p.p

Cost price EUR 50 p.p

Cost price Up to the costs of r this category:

Cost price EUR 50 pern accordance with

to this category

e contact immed

surance of

Sums insured vent, unless stat

. per day for a ma

r certificate of insu

id for the missed t

per day

. per day for a ma

. per day for a ma

transporting the b

r event h the maximum am

diately:

ed otherwise)

aximum of 7 days

urance

ticket

ax. of 7 days

ax. of five days

body to Finland

mounts applicable

e

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InDIn• • • • • • • A•

CM DD

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Category II TR

nsured amount eductible per pe

ncluding: Photo, film, vidContact lensesMusical instrumTravel documeMedical equipmGoods purchasGifts for third p

dditional cover: Clothes and/or

Category III MMedical expenses

• doctor’s • purchase• prosthes

eductible per peentist’s costs:

Emergency as

Category IV CThe Company w

these Cancellation of

eductible per pe

ategory V Lgal Assistance ategory VI avel Liability eductible per per

WARNING: ATravel Luggag


RAVEL LUGGA

rson per event

deo/dvd, computers and spectacles ments ents ment sed during the jouparties

r toiletries replace

MEDICAL EXPEs abroad: and hospital costsed/leased crutcheses required due torson per event

sistance

CANCELLATIOwill pay a reimbu

costs are the cof the booked flight

rson per event

LEGAL ASSIST

TRAVEL LIAB

rson per event

Always observege). Always co


AGE

r, telecommunicat

urney

ment

ENSES ABROA

s s/wheelchair o an accident

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e normal cautionsult the Gene

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03

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tions equipment a

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the aforementionan insured even

on, never leaveeral Policy Cond the category

ope

and valuables

ned maximum at that results in:

e luggage unattnditions, especy conditions fo

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mounts, if :

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tended, not evcially the obligar Travel Lugga

nsured amounts (nsurance, unless EUR 800 EUR 30

EUR 400 EUR 400 EUR 400 EUR 200 EUR 400 EUR 400 EUR 400

EUR 150

nsured amounts (nsurance, unless

EUR 150 000 EUR 100 EUR 700 EUR 30

EUR 300

(per person pe

EUR 5 000 p.p.25% with a minimuEUR 150 per insu

EUR 5 000

EUR 500 000EUR 250

en in cars (seeations mentionage.

(per person, per cstated otherwise)

(per person, per cstated otherwise)

Sums insuredr certificate of instated otherwis. and EUR 32 000um of EUR 30 perred party

Sums insured

0 p.p. per event 0

e the category ned in the Gene

certificate of )

certificate of )

nsurance, unlese)

0 per event r person up to

conditions for eral Provisions

ss

s


Pl

ArtThe“Co

“Ins“Pa "FaRel“Fir“Se“Tra“Pro ArtTheinsumaxcovcerpoltha Art3.13.2

3.3

3.4

3.5

Art4.1TheinsuendcerIf thoccaut Witcou 4.2app ArtThe ArtTheis nthe


In addition to

ease read the f

ticle 1. Definitioe following termompany”:

sured” : artner” :

amily" : latives: rst degree”: econd degree”: avel companionovider” :

ticle 2. e Company onlyurance certificatximum period, f

ver overview. Trtificate. An insuicies cannot be t apply to one in

ticle 3. . The insu. The insu

journey). The Com

residing . The insu

such ins. All the ca

category

ticle 4. . For catee validity term ourance certificatd of the trip, the rtificate of insurahe validity term curred against womatically rema

thin the validity tuntry of residenc

. For cateply as soon as t

ticle 5. e insurance poli

ticle 6. e day before thenot valid; howev

insured shall n


o these Genera

following gene

on of terms s shall have the

AGA Internat1059 VM Am12000535 anthe person staspouse or the as of the effeInsured and p

partner, parenbrothers, brot

n”: a person travFalck Oy : ha

Basis of the y provides covete. The covers afor a maximum The number of irance policy oncombined with

nsured person d

Validity of thurance policy is urance policy is .

mpany only insuor actually stay

urance shall notstances, the Comategories that hy conditions.

Validity termegories I up to aof the insurance te. Should the toguarantee will e

ance. is exceeded be

which the insureain valid until the

term of the insuce and shall end

egory IV: the inshe first insured

Area in whiccy is valid world

Payment or re validity term cover, the insured’sot be not entitle


al Provisions, t

eral terms carewell

e following meaional SA, Dutch

msterdam, The Nd in the Commeated as such on

e person with whective date of thpartner and/or (f

nts (in-law), chilthers–in-law, siselling with the in

andles all claims

insurance r for the categoapply up to the of the number onsurance policiely applies to thethe sums insure

do not necessar

he insurance only valid if it haonly valid if it ha

ures persons whying in the place be valid if the Cmpany will refunhave been taken

m, cover periodnd including VI is the number ootal duration of end, ipso jure, 9

cause the publied is insured (exe time of the firs

urance, the period as soon as the

urance cover shservice to be pr

ch the insurancdwide (except fo

refund of the pommences, thes obligation to p

ed to a premium


03

lsupport@allianz-nl

GENERAthis insurance

included fully. They proas replies to th

nings in these ph Branch, tradingNetherlands, regercial Register An the insurance hom the insurede insurance polfoster or step) c

ldren (in-law), asters (in-law), fonsured. s arising under c

ries for which inmaximum amouof persons statees taken out is ie person in whoed under any otrily also apply to

as been taken oas been taken o

ho, during the vae of residence inCompany has and any premiumn out shall be go

excluding categ

of days the insuthe trip be long

90 days followin

c transport by wxcept if such evest possible retur

od of cover shale insured and/o

hall apply as frorovided by Air F

ce is valid or country of res

premium e insured must hpay the premium refund.

ope

AL PROVISIOshall be goverin the insuranc

ovide precise inhe questions th

policy conditionsg as Allianz Glogistered at the NAmsterdam Nº 3certificate

d has lived togeicy)

children of less t

as well as (fosteoster and/or step

categories I to V

nsurance has beunts stated on thed on the cover identical to the n

ose name it has ther policy and to another insure

out simultaneouout for the entire

alidity term of thn Finland, whichlready informed

m that has alreadoverned by the G

gory IV: rance is in effecer than 90 days

ng the date of de

which the insureent is covered brn of the insured

ll commence asor his/her luggag

om the 1st day oFrance begins.

sidence).

have paid the prm will continue to

ONS rned by the catce. nformation conhat may rise.

s: obal Assistance Netherlands Aut33094603

ether on a long-t

than 25 years o

r and/or step) pp brothers and s

VI in the name o

een taken out ashe cover overvieoverview and unumber of insurbeen taken outthe insurance ped person, unles

usly with the booe duration of the

he policy, are reh is also stated od the insured in dy been paid at General Provisi

ct maximum 90s or should no departure or the

ed is travelling isby the category Td.

s soon as the insge return to the

of application of

remium. If the po exist. As soon

tegory conditio

ncerning the rig

Europe, with ofthority for the Fi

term basis (for a

ld living at home

arents and childsisters, grandpa

of the Company.

s indicated on tew, with due obp to maximum cred persons statt: the sums insuolicies are non-ss this is stated

oking of the Air e journey (journ

corded in a Finnon the certificatethe past not to wthe insured's reons, unless the

days. The validdate be schedulebeginning of the

s delayed or becTravel Luggage

sured and/or hiscountry of resid

the cancellation

remium has notn as the insuran

ons of the categ

ghts and oblig

ffices at Poeldijkinancial Markets

at least one yea

e

dren arents and gran

.

he cover overvibservance of anclass mentionedted on the insurred under these

-transferable. Stexplicitly.

France airline tiey there, stay, r

nish population e of insurance. wish to insure hequest. y are deviated f

dity term is stateed for the returne trip as indicate

cause an event e), the insurance

s/her luggage ledence.

n rates, and sha

t been paid, thence has come in

gories

ations, as

kstraat 4, s (AFM) Nº

ar

dchildren.

ew and/or y stated d on the rance e insurance tipulations

icket. return

register as

him/her. In

from in the

ed on the n or for the ed on the

has e shall

eave the

all cease to

insurance nto effect


ArtIn t7.1

7.2

7.3

7.4

7.5

7.6

7.7

If th Art 8.1

8.2

ArtIf afollo9.19.29.39.4

9.5

ArtAbo10.

10.

10.10.

10.10.


ticle 7. he event of dam. Fully and

damage . Do anyth

and not . Transfer

Companthe abov

. In certaireimburshospitali

. The insuand tranand any

. The insudemonstwere necphysicia

. The insugiven its

he insured fails

ticle 8.

. For cate

. For categorie

ticle 9. n event for whicowing term: . If the ins. If the ins. In all oth. If the da

insured oreimbursafter the

. You muscompancompleti

ticle 10. ove and beyond1. Damage

and mutCompan

2. Damagehijacking

3. Damage4. Damage

originate5. Damage6. Damage


General obligmage, the insured truthfully fill ouform can be ob

hing possible todo anything thar all claims for reny has not acquve-mentioned cln cases it is necsed. This concesation over 24 h

ured must submsport costs andother documen

ured shall do histrate to the Comcessary. Such en abroad.

ured can only bes prior permissioto fulfil the abov

Place where

egory I and III:

es II, IV, V and

Term within ch one is insure

sured dies: withisured has to be her cases: withinmage is not repor his/her succesement shall at

e event at the latst assist the Coies including alsing forms.

General excld the exclusionse directly or indiriny. If the insure

ny shall only paye which is directg, strike or act oe which is directe which is causeed. e which is directe which is the co


gations in the ed or his/her sucut the damage fbtained from Fao limit the damagat may damage eimbursement (ired the rights oaims to the Comcessary to obtai

erns, among othhours or death.

mit to the Compad the additional tnts the Companys/her utmost to ompany by submievidence include

e transported byon. ve-mentioned o

the damage m

VI:

which the damed occurs, the in

in 24 hours (by hospitalised for

n 28 days after tported to Falck Oessor(s) can proany rate be cantest. mpany in obtainso social securit

lusions – cancs specific to eacrectly resulting fed incurs damagy a reimbursemely or indirectly r

of terrorism. ly or indirectly r

ed by, occurs du

ly or indirectly ronsequence of p


03

lsupport@allianz-nl

event of damaccessors must dform, sign it andlck Oy. ge, follow all thethe Company a

(up to the amouof the insured bympany. in prior permisser things, additiIn these cases

any the doctor's travel and/or acy wishes to havobtain a refund itting evidence tes for instance

y ambulance, ta

bligations, the C

must be reporte

Falck Oy: daTel : + 358 9assistance@

Falck Oy Malmin kaup00700 HelsinFinland

Tel : + 358 9 E-mail : claim

mage must be rnsured or his/he

telephone or far over 24 hours:the end of the vOy in a timely move that it was nncelled irrevoca

ning or pursuingty (The Public T

ellation of the ch category, covfrom acts of wage during the abent if the insure

related to or cau

related to an attauring or ensues

resulting from epparticipation in o

ope

ge do the following

d send it, togeth

e advice given band Falck Oy’s innt of the reimbuy paying the reim

ion from the Coional travel costFalck Oy has tocertificates, the

ccommodation eve provided.

from the carrierthat the additionthe announcem

axi, air-ambulan

Company will no

ed

ay or night 9 37477220

@falck.fi

ppatie 8 A nki

37477430 [email protected]

reported r successor(s) m

x). within seven d

validity term (repmanner, the Comnot, within reasobly if the Compa

g a recovery or cTravel Medical In

right to reimbuvers stated in allr, including armbove-mentioned

ed proves that thused by the insu

achment and/orfrom nuclear re

pidemics or panor the committin

g. er with the insu

by the Companynterests. ursement) to thembursement. Th

ompany for payits of returning too be called imme original invoiceexpenses, the o

r for unused ticknal return travel

ment of decease

ce or other non-

ot pay any reimb

m 09.00 to 17.0

must report this

ays after the hoport in writing).mpany will not pon, their fault thaany has not rec

contribution fromnsurance) by pr

ursement l categories of th

med conflict, civild events, which he damage wasured's participati

r confiscation. eactions, irrespe

ndemics. ng of an offence

rance certificate

y, give full coope

e Company. Thihe insured shall

ng certain costso Finland, a seri

mediately, statinges of the medicariginal invoices

kets. In additionand/or accomm or a signed sta

-public transpor

bursement/paym

00 hrs

event to the Co

ospitalisation (re

ay any reimbursat it was reporteceived the dama

m a third party oroviding all nece

he insurance dol war, rebellion, is not related to in actual fact nion in or the con

ective of how an

e or attempts the

e, to the Compa

eration to the C

s is only necessl submit all the e

s in order to havious accident, g the insurance al expenses, theof the foreign u

, he/she has to modation costs iatement of the a

rt means if Falck

ment.

ompany within t

eport in writing).

sement, unless ed late. The righage report within

or other insuranessary details a

oes not include:internal civil un

o such events aot related to sucnscious attendin

nd where the rea

ereto.

any. The

ompany,

sary if the evidence of

ve them

data. e carriage ndertaker

be able to ncurred

attending

k Oy has

the

the ht to n 180 days

ce nd

rest, riots t all, the ch events. ng of a

action


10.10.

10.

10.

Fur10.

10.10.10.10.10.

10.10.10.

10.10.10.10.10.10. ArtIf thpartrav ArtIf, wprodam ArtThesom ArtIf thpayits p ArtIf thcovthaoblage Art16.


7. Damage8. There is

taken ou9. The righ

provided10. The righ

requesterthermore, the in11. The ailin

suicide o12. Pregnan13. Intention14. Participa15. Use of a16. Carrying

included17. Violating18. Balloon 19. Special

jumping,than norjumping,that invo

20. Participa21. Participa22. Participa23. Using bo24. The cost25. If the rea

ticle 11. he insured is trarachutist. In ordevel and use ack

ticle 12. without this insuovision, whether mage exceeding

ticle 13. e Company shameone else. If th

ticle 14. he insured or hisyment as final seposition (rejectio

ticle 15. he Company havered by the inst it has already igation to pay thency.

ticle 16. 1. The pers

Companpreventi


e arising outsideno entitlement

ut that it could bt to payment or

d incorrect data t to reimbursem

ed by the Compnsurance does ng or poor condior an attempt thncy and any relanal or gross negation in misdeedalcohol or other g out any other td under the policg the safety regurides and under(winter) sports. , parachute jumrmal risk. Specia, ski-flying, figur

olve a more thanating in one of thating in competiating in or prepaoats outside thets of abortus proasons why the i

Air travel risavelling by planeer to be insurednowledged airp

Insured for turance policy, a r or not of an eag the amount wh

Payment of tall pay the reimbhe insured has d

Cancellations/her successorettlement. The ion or payment),

Reclaiming uas agreed to payurance cover (spaid or to set th

he claim within 3

Personal datsonal data provny for entering inng and combati


e the area in whto reimbursemee reasonably ex

r damages with or facts.

ment shall only bpany have not benot provide covition of the insurereto.

ated costs, with gligence on the pds, rows, fights, narcotics or stimthan administratcy and this is staulations of (carrrwater journeysSpecial sports

mping, paraglidial winter sports re jumping in fren normal risk. he following spotions and the pr

aring for speed, e inland waterwaovocatus. nsured has trav

k e he/she is only d, the insured haports.

he same risk aclaim could be rlier date, the phich could be cl

the reimbursembursements to thdied, the reimbu

n of rights rs submit a claiminsured's claim , unless a dispu

uninsured servy a reimbursemesuch as in partichem off against 30 days after wr

ta ided on the appnto and executinng fraud and ac


03

lsupport@allianz-nl

ich the insurancent if such circuxpected that theregard to the en

be cancelled witeen received wier for the followred before or at

the exception opart of the insurdares, participa

mulants, includintive, commerciaated explicitly oriers/transport) c by submarine.include mountaing, hang glidinginclude luge, bo

eestyle skiing, s

orts: boxing, wrereparations, sucrecord and relia

ays, unless this

velled to the are

insured as a paas to fly with an

at various commade for a reimresent insuranclaimed elsewhe

ments he insured, unleursements will b

m to the Compaor his/her succe

ute has already

vices and/or coent for costs ancular the costs othe reimbursemritten notification

plication form, orng insurance agctivities aimed a

ope

ce is valid, or bemstances were

e costs would bentire claim shall

th regard to the ithin 180 days a

wing cases and/ot the time of the

of costs ensuingred or the persoating in expediting soft and hardal or supervisoryn the certificatecompanies.

in climbing, boug, ultralight flyinobsleighing, iceki-mountaineeri

estling, karate ach as training. ability tests withdoes not involv

a of insurance i

assenger and noacknowledged

panies mbursement or pce policy shall onre will be eligibl

ess he/she has ibe paid to the le

any, the Compaessors' shall be been brought be

osts d/or services in

of the outer coffiments still to be n. In the event o

r the modificatiogreements and mat extending the

eyond the period known or presee incurred. be cancelled if

part of the claimafter the requestor the following accident, a me

g from complicaton interested in tons. d drugs. y activities, unle of insurance.

uldering, ice climng, gliding, as w-hockey, speeding, paraskiing,

and other martia

h motor vehiclesve any special ri

nclude the inten

ot as a crew mecarrier. These p

payment pursuanly be valid in thle for reimburse

nformed the Coegal heirs.

ny shall respondcancelled 180 d

efore the court.

curred/granted in), the Companpaid. The insureof default the Co

on of, an insuranmanaging the e customer base

d of validity of thent at the time w

the insured or h

m for which the t was made. costs. ntal or physical

tions. the reimbursem

ess activities of a

mbing, abseilingwell as other spo

skiing, speed rheliskiing, as w

al arts, jiu jitsu a

s or motor boatsisks.

ntion to have me

ember, flight insplanes must be

ant to another inhe last instance

ement.

ompany that the

d by rejecting thdays after the C

by the Companny shall have theed are severallyompany will eng

nce policy, are pensuing relationse.

he certificate of when the insura

his/her success

objects and/or d

disorder or dise

ment.

a different natur

g, speleology, buorts which involvraces, ski-jöring

well as other win

nd rugby.

s.

edical treatmen

structor, apprentfurnished for pa

nsurance policy,. In that case on

ey should be pai

he claim or (offeCompany has an

ny and which aree right to reclaimy liable and undgage a debt coll

processed by ths, which include

insurance. ance was

or(s) have

documents

ease,

re are

ungee ve a more , ski-

nter sports

nt there.

tice pilot or assenger

, law or nly the

id to

ering) nnounced

e not m the costs er an lection

he es


16.

16.

16.

Art17.

17.

If thHel

Th

ArtThemaxperthe 1.11.21.31.41.51.61.71.8 Fur1.91.11.1 ArtIn tcosacc ArtIf a- - Fur ArtIf thprothe 4.14.2

4.3


2. Processthe type are co-oother prodemand

3. By ordernecessaattendingproviding

4. By orderincluding

ticle 17. 1. Any disp

another 2. This insu

director he insured is nolsinki - Finland

hese category c

ticle 1. e Company reimximum amounts

riod stated therecover overview

. Sickness

. Prematu

. Missed f

. Forced

. Return to

. Search a

. Coming

. Transpo

rthermore, the C. Sending0. Telecom1. Addition

ticle 2. hese category c

sts the insured wcommodation co

ticle 3. n event insured

transporthe nece

rthermore, the a

ticle 4. he insured falls ovided that they

sickness or acc. The nec. The nec

insofar t. The nec


ing of personal of cover require

operating. The inoducts. Underwthat underwrite

r of the Companary for a concretg physician andg medical data or of the Compang VI. If Falck Oy

Disputes putes arising froway to resolve urance shall be of Falck Oy.

ot satisfied with td.

conditions sha

Nature and smburses additions stated on the ce, for the maximw, if they are thes, accident and/

ure call back (Arflight (Article 6).delay (Article 7o Finland by airand rescue opeover of relatives

ort costs in the e

Company will reg medicines, pro

mmunications conal costs in conn

Special Stipuconditions, the twould normally osts. This deduc

Help from Fad under this catert; essary (medicalassistance includ

Sickness, acill or suffers an are medically ncident: essary costs of essary costs of hese costs are essary extra ac


data is governeed and for marknformation may

writers are requirers inform the cuny, Falck Oy prote request for hed, if necessary, ponly takes placeny, Falck Oy proy deems this ne

om this insurancthe conflict. governed by Fi

the handling of

Caall also be gove

scope of the innal travel and/ocover overview

mum number of pe direct consequ/or death (Articlerticle 5). ). r ambulance (Arations (Article s (Article10).

event of death (A

imburse the follostheses or aidsosts (Article 13).nection with a tr

ulations term “accommohave incurred foction is 20% of t

alck Oy egory occurs, Fa

) supervision dudes advice and

ccident and/or accident in the

necessary in the

extra accommothe return journhigher than thos

ccommodation c


03

lsupport@allianz-nl

ed by Finnish Peket analysis. Thebe used by und

red by law to repustomer about tovides direct heelp, it can ask foprovide the datae by or by orderovides the handecessary for a c

ce agreement sh

nnish law. Enqu

a complaint the

CATEGOR

ategory I. EMEerned by the G

co

surance r accommodatioof the insuranc

persons mentiouence of: e 4).

Article 8). 9).

Article 11).

owing costs if ths (Article 12). . ravel companion

odation costs” shor necessary methese reasonab

alck Oy offers h

uring the (returnany help Falck

death area covered b

e opinion of the

odation after theney to place of rse of the origina

costs during the

ope

ersonal Data Ace information mderwriters to senport to the authothe information tlp for hospitalis

or data from thea to persons whr of Falck Oy's mling of claims a

concrete request

hall be submitte

uiries or compla

e insured should

RY CONDITI

ERGENCY EXGeneral Provisioonditions.

on and/or other e that has beenned on the cove

hey are caused

n insured elsew

hall be taken to eals will be dedly incurred cost

elp in arranging

n) journey. Oy deems usef

y the insurancephysician engag

e cover period oresidence or doally intended retcover period of

ct. The informatay be passed ond information torities in some ithey have abouation, a serious

e insured, his/heho are directly inmedical advisorrising from this t for help, it can

d to the compet

aints must be ma

d write to Vakuu

ONS

XPENSESons, unless the

costs as descrin taken out, alsoer overview and

by an event ins

where (Article 14

mean: the costsucted from the s.

g :

ful and necessa

e, the Company ged by the Com

of the insurancemicile in Finlandturn journey. f the insurance.

ion may be useon to a firm with o the customer instances. The t him and how s accident or dea

er relatives, aid wnvolved in the ai. insurance for ca

n ask for data fro

tent court, unles

ade first and for

utusneuvonta,

ey are deviated

ibed in the followo with due obsed up to maximum

sured under this

4).

s of accommodreimbursement

ary.

shall reimbursempany and are th

; d by ambulance

d for evaluate awhom the undeabout the undecustomer has thsuch informationath. If Falck Oy workers on site id efforts. Askin

ategories II up tom the insured.

ss the parties ag

remost to the m

Porkkalankatu

d from in these

wing articles, uprvance of any m

m the class men

s category:

ation and mealsfor additional

e the following che direct conse

e, taxi or public t

and decide erwriters erwriters he right to n is used. deems this and/or the g for and

to and

gree to

managing

u 1, 00180

e category

p to the maximum ntioned on

s. The

costs, quence of

transport,


4.4

4.5

4.6

ArtIf thbeca lifcosreimthis ArtIf th6.1

6.2

ArtIf thstriaccThewer ArtIf thhis/the perTheattedisareimHowmealre ArtIf thor hinsu Art10.

10.

ArtIf th11.11.


. If the co-the hosp

. If the insinsured fthe Com

. The samtravelling

ticle 5. he insured and/ocause a relative fe-threatening insts of the originambursement wils travelling comp

ticle 6. he insured miss. Delays

transpor company

. Breakdofire or exThe Comthe maxicauses o

ticle 7. he insured is forke, fog, natural

commodation coe precondition fore not known or

ticle 8. he insured is sic/her health, the cover overview

rmission theretoe medical necesending doctor abability can be rembursement of awever, the transdical supervisio

eady receiving m

ticle 9. he insured falls his/her successoured. These cos

ticle 10. 1. If the ins

will reimjourney b

2. If the inscompanaccomm

ticle 11. he insured dies 1. Transpo2. The inne


-insured family pital, the extra trsured travels witfor the expense

mpany for the same payment will g companion is

Premature caor his/her insure to the first or senjury, the Compally intended retl be paid to a mpanion is insure

Missed flightes the booked fin the public tra

rt y, natural disast

own of the privatxplosion or a mempany shall payimum insured aof the delay did

Forced delayrced to stay abrodisaster, avalan

osts and extra tror this reimbursr to be expected

Return to Finck or injured andCompany shall

w. Returning in to. ssity of returningbroad. The term

educed and/or da return trip by asport costs fromon) shall be reimmedical treatme

Search and rill or suffers an or(s) the costs tsts will also be r

Coming oversured's life is inburse the costsby public transpsured has to conion, the Compa

modation costs a

Transport coas a consequen

ort of the body toer coffin;


members or onravel expenses th a family mem

es as described ame period.

also be made tinsured with the

all back ed family membecond degree o

pany shall pay thturn journey. Th

maximum of one ed with the Com

t flight as a conse

ansport with whic

ters or flood; te vehicle with wechanical defecy, for departure amount stated o

not occur befor

y oad after the ennche, the Compravel costs by p

sement is that sad at such time.

nland by air amd cannot travel i reimburse the his manner sha

g by air-ambulam medical necesdisability can be ambulance plan

m the foreign hosmbursed. If the inent outside of Fi

rescue operatioaccident which that need to be reimbursed if th

r of relatives danger due to s of relatives coport to Finland. ntinue the journeny shall reimbu

as well as the re

osts in the evennce of sickness o the last place


03

lsupport@allianz-nl

e co-insured traof public transp

mber who falls illin Article 4.1., 4

o one travellinge Company for t

bers have to retuof sanguinity hashe necessary coe insured must travelling comp

mpany for the sa

equence of: ch the insured t

which the insurect; within the next 2n the cover overe leaving for the

nd of the validitypany will reimbupublic transport taid causes of th

mbulance in any other wayreturn journey to

all only be insure

nce is assessedssity shall at anyprevented by re

ne, he/she shallspital to the airpnsurance has benland, said cost

ons is covered by thincurred accorde competent au

sickness or an oming over from

ey by him/herserse the costs of

eturn journey by

nt of death or an accident,of residence in

ope

avelling companport or private vel, meets with an4.2. and 4.3. Th

g companion of sthe same period

urn prematurelys died or (in theosts of the returtravel by their p

panion of the same period.

travels to the air

ed is travelling to

24 hours of the erview. A precone airport and we

y term, but only rse, until the firsthat is higher th

he delay have no

y (e.g. by passeo Finland by aired if it is medica

d by the doctor y rate apply if theturning the ins not be entitled

port and from theeen taken out ats will not be rei

he insurance poding to the localuthorities suspec

accident accord Finland, their n

elf alone as a cof the coming ovey public transpor

the Company wFinland;

nion of a hospitaehicle will be rei accident or diee precondition i

said affected ped.

y to their domicil opinion of a ph

rn journey, insofprivate vehicle oaid recalled insu

rport of departu

o the airport due

original flight dendition for the reere not known o

if this is causedst next opportunan the costs or ot occurred befo

enger plane, amr ambulance to tally necessary a

engaged by thehe life of the insuured by air-ambto the reimburse Finnish airpor

and/or has comeimbursed.

olicy abroad, the, competent autct an accident.

ding to the local necessary accom

onsequence of ter of a relative frt to Finland.

will reimburse to

alised insured peimbursed.

es, the Companyis that the affect

erson. The prec

le or place of rehysician) has a lfar they are highor public transpored person(s). T

re as a consequ

e to an external

eparture, the coeimbursement isor to be expecte

d by a carrier strnity to return, ththe originally in

ore or during the

mbulance car or the maximum in

and the Compan

e Company, in cured can be savbulance. If the insement of additiort to the hospitae into effect whi

e Company will thorities, to sear

attending doctommodation cost

the death of his/from Finland, the

o the successor

erson visit this p

y shall reimbursted person is in

ondition is that

sidence in Finlaife-threatening her or different fort. Moreover, thThe preconditio

uence of a strike

l cause such as

osts of a new fligs that the aforemed at such time.

rike, airport perse part of the ext

ntended return joe start of the jou

taxi) in connectnsured amount sny has given its

consultation withved or if the risknsured is entitleonal travel costsl (including the lst the insured w

reimburse to thrch and/or rescu

or abroad, the Cts as well as the

/her co-insured e necessary

r(s) the costs of

person at

se the sured with

this

and disease or from the he same n is that

e of the

a collision,

ght up to mentioned

sonnel tra ourney. urney and

tion with stated on prior

h the k of ed to the s. costs of was

he insured ue the

Company e return

travel

:


11.If thcretran ArtIn tthe andThenot ArtIf asuc ArtAddcomalo14.14.

14.14.

ArtWitstatemIf th

Th

ArtTheIf thmaxof aAs or pThein A1.1

1.2

1.31.41.51.6

1.7 The1.81.9


3. The doche body is not tamation) abroad nsported to the

ticle 12. he event of sickshipment costs

d there are no ue purchase and picked up. Ord

ticle 13. n event happen

ch event will be

ticle 14. ditional costs incmpanion, who isne will also be r1. The trav2. The eve

does not3. The affe4. The add

journey.

ticle 15. th regard to Artictements. Exampergency service

he insured fails

hese category c

ticle 1. e word luggage he insured luggaximum amount

an insured objeclong as the insu

plane, against ree maximum insuArticles 1.1 up to. Photo, fi

the equiThe term

. Valuablebinoculaother va

. Telecom

. Contact

. Musical

. Travel dTravel duse duri

. Medical

e word luggage . Goods p. Gifts for


uments requiredaken to the form and the comingplace of residen

Sending of mkness, accident,s of having thessable alternativcustoms costs ers cannot be c

Telecommunns to the insuredreimbursed.

Additional cocurred by the ins not stated on treimbursed. Thivel companion hnt that happenst provide cover

ected travel comitional costs inc

Special obligcle 6 of these caples of such stae, the airline comto fulfil said obli

conditions sha

Nature and sis taken to mea

age is damagedof the insurancect with accessorurance is in effeeceipt. ured amounts sto and including lm, video/dvd apment are cons

m computer eques: jewellery, waars, sound and vluables.

mmunications eqlenses and speinstruments: muocuments. ocuments is takng the journey, equipment: me

is also taken topurchased durin

third parties: go


d for the transpomer place of resig over of relativence of the decea

medicines, pros, loss, theft of me items sent by

ves available at and return char

cancelled.

nications costsd abroad that is

osts in connecnsured as a consthis certificate os cover is effect

has valid travel is to the affectedfor the additiona

mpanion and thecurred by the ins

gations in the eategory conditio

atements are, ammpany or the poigations, the Co

Call also be gove

scope of the inan: the luggage d by theft, loss, e stated on the ries, only one in

ect, the insured

tated on the cov1.9. with due ob

and computer eqsidered to be onipment shall be

atches, furs, radvisual equipmen

quipment. ectacles. usical instrumen

ken to mean: drIDs, tourist carddical equipmen

o mean: g the journey. oods purchased


03

lsupport@allianz-nl

ort. idence of the inses from Finlandased.

stheses or aidsmedicine, prosthy Falck Oy if theythe location conrges shall be for

s covered by this

ction with a travsequence of anf insurance, buttive only if: nsurance of his travel companial costs incurred insured intendesured are demo

event of damagons the insured mong others, a olice authoritiesompany will not

Category II. Terned by the G

co

surance which the insurmisappropriatiocover overview

nsured person cis also insured a

ver overview bebservance of thquipment, include object, such a

e taken to meandio and televisiont (except for ph

nts and accesso

iving licences ads, passports ant including the c

d by the insured

ope

sured, the Comd up to the maxi

s eses or aids taky are necessaryncerned. r the account of

s category, his/h

vel companion event covered t due to which th

s/her own; ion is covered bd by the insureded to travel to a

onstrably necess

ge shall prove the statement of the. pay any reimbu

TRAVEL LUGGeneral Provisioonditions.

red takes with hon or damage, thw below the insucan claim reimbuagainst damage

elow the insurane stipulations stding image, souas cameras, obj: computers (inc

on sets, gold, silhoto, film, video/

ories (except for

nd registration cnd visa. costs of repair.

before or durin

pany will reimbmum amount th

ken on the journy in the opinion

f the insured, als

her necessary te

n insured elsewunder this cate

he insured has t

by his/her travel d travelling with nd from their desary and have b

right to reimbure public transpo

ursement.

GAGEons, unless the

im/her on the johe Company shrance policy takursement. e to luggage wh

nce policy takentated below:

und and data mejectives, filters, cluding organisever or platinum /dvd, computer

r drumheads, st

certificates, tran

g the journey, in

urse the costs ohat would have b

ney by the insurof a physician e

so if the items th

elecommunicati

where gory, which hapto continue the

insurance and him/her;

estination togethbeen reasonably

rsement to the Cort company, the

ey are deviated

ourney for his/hehall reimburse thken out. In the e

hich is sent on o

out shall apply

edia. All the objetripods, film suners), including pobjects, preciouand telecommu

trings and mout

nsport tickets pu

ntended as gifts

of the funeral (obeen paid if the

red, the Companengaged by the

hat have been s

ons costs ensu

ppens to a travejourney by him/

his/her travel in

her; y incurred durin

Company by mee car repair com

d from in these

er personal usehis damage up tevent of damag

or after by boat,

to the luggage

ects that togethns, recorders, bperipherals and us stones, pear

unications equip

thpieces).

urchased specif

s/presents for th

r body were

ny will pay Company

sent are

ing from

el /herself

nsurance

g the

eans of mpany or

e category

. to the ge to or loss

train, bus

mentioned

er make up ags, etc. software.

rls, pment) and

fically for

hird parties.


ArtTo ArtThebecexcam ArtIn ttermteamethe Howreim ArtIf thhasgooComthe Art6.1

6.2

6.3

6.4

If th ArtThe7.1

7.2

7.37.4

7.5

7.67.77.8

7.9


ticle 2. all the damages

ticle 3. e Company will cause the registceed the amounount for Travel

ticle 4. he event of irrem insured valuer; such amount an: the amount insured object

wever, the amomburse the dam

ticle 5. he insured objecs paid a reimburods to the Compmpany. If the goreimbursement

ticle 6. . In the ev

report is report to

. If the inshotel maremain i

. If the lugupon reche/she s

. The burdthat the the dampossibilitCompan

he insured fails

ticle 7. e cover does no. Theft, lo

documekeys, covalue.

. Theft, loairplanesaccesso

. Tools, so

. Winter srented) s

. Damagedecay, m

. Other da

. Damage

. Theft, lojourney's

. Breakingtranspor


Deductible s described in A

Clothes and reimburse cloth

tered luggage wnt stated on the Luggage.

Insured valuparable damage

e is taken to meawill not be dedurequired to obtawas purchasedunt paid shall n

mage in kind.

Transfer of icts are damagersement to the ipany. As soon aoods are found t to the Compan

Special obligvent of loss, the

impossible, theo theCompany. sured loses his/hanagement. Then full force.

ggage is taken wceipt, to verify wshall report this den of proof of tinsured really wage by means oty of repair and

ny to inspect theto fulfil said obli

Special excluot include: ss, misapproprints of value suc

ommodities, rem

ss, misappropris, (inflatable an

ories thereof. ound and video

sport equipment sports equipmee as a result of gmoths, rodents, amage than to te such as blots, ss, misappropris destination is g of fragile objecrt, break-in, thef


Article 1 (except

toiletries replahes and toiletriewas missing or dcover overview

e e, loss, misappran the replacemucted if the lost ain new objects. In the event ofot exceed the a

nsured objectsd, they cannot bnsured for lost,

as the insured kwithin three mony.

gations in the eft or misapprop

e insured must r

her luggage duee insured shall s

with a means ofwhether it is in gimmediately to theft, loss, misa

was in possessioof original invoicother evidence

e luggage beforeigations, the Co

usions

ation or damagch as public tran

moval goods, sam

ation or damagd collapsible) bo

equipment buil (the insured's ont used for specgradual weatherinsects, etc, leahe goods themsscratches, dentation or damagnot reached. cts and/or the cft, robbery or fire


03

lsupport@allianz-nl

t Article 1.6) the

acement s replacement i

delayed for moreunder the insur

ropriation or thement value, after

or damaged gos of the same tyf irreparable da

amount paid in t

s be transferred todamaged or minows that the lo

onths after the d

event of damagriation the insurreport this at the

e to loss, theft osubmit a statem

f public transporood condition athe carrier. The

appropriation or on of it is alwaysces or duplicate required by thee it is repaired a

ompany will not

e to money andnsport subscriptmple collections

e to vehicles anoats, surfboards

t in the car, rooown or rented scial (winter) spor effects or otheakages of liquidsselves. ts, spots etc. une to luggage wh

onsequences the.

ope

e deductible stat

nsofar they have than 4 hours drance policy tak

eft, the reimbursr deduction of a

oods are less thape and quality. mage, the reimbhe event of irrep

o the Companyissing goods, thost or missing gate on which th

ge red shall report te first possible o

or misappropriatent of this repor

rt or another meand that nothing e insured shall s

damage of luggs the responsib

es thereof, guarae Company. In tand/or replacedpay any reimbu

d traveller’s cheqtions, discount cs, musical instru

nd/or trailers, incs, motor driven

f rack, ski boxeskis including str

orts. er effects (exceps, fatty matter in

nless the goods hich is abandon

hereof except fo

ted on the cover

ve to be purchasduring public traken out, which s

sement is grantean amount for dean one year oldNo higher amoubursement will bparable damage

, unless the Comhe insured shall oods have beeney were lost, th

this immediatelyopportunity. The

tion at a hotel, hrt to the Compa

eans of transporis missing. If thubmit a stateme

gage a well as thility of the insureantee certificatethe event of dam.

ursement.

ques, credit carcards, season tiuments, carpets

cluding bicyclesland air/water v

s, non-skid charaps, ski sticks a

pting natural disanside the luggag

can no longer bed in or on a m

or damage caus

r overview appli

sed during the iansport. This reihall apply in ad

ed on the basis epreciation due d. The term replaunt will be paid be paid on the be. The Compan

mpany desires ttransfer the righ

n found, he/shee insured shall

y to the local poe insured shall s

he/she shall repany. The stipulat

rt, the insured she insured estabent of this reporhe amount of thed. The insured

es, statements bmage, the insure

rds, stamps, (trackets, entrance

s, antiques and i

s, tents, caravanvehicles and any

ins and jetbagsand ski shoes) a

asters), wear ange.

be used due to sotor vehicle and

sed by an accide

ies.

nsurance's coveimbursement shdition to the ins

of the insured vto ageing or we

acement value ithan the amoun

basis of the costy has the right t

this. Once the Cht of ownership shall report thistake them back

olice authorities.submit a statem

ort this immediations of Article 6

hall check his/hblishes damage rt to the Companhe damage and d shall furthermoby experts aboued shall also en

avel) documents tickets, passesitems of art or c

ns (including they other vehicles

. and (the insured

nd tear, own de

such damage. d/or trailer with w

ent to the mean

er period, hall never ured

value. The ear and is taken to nt for which ts of repair. to

Company for these

s to the k and repay

. If such ent of this

ately to the 6.1. shall

her luggage or loss,

ny. the fact

ore prove t the able the

s, photos, s, etc., collector’s

e tent part), s or parts or

d's own or

fect, own

which the

ns of


7.1

7.17.17.1 ArtThe8.1If thmisuna8.2If thpre8.3Damtrai8.4The-

-

* Infixe 8.5a. theb. cam8.6The

Th

ArtThedurMe• • • • • • Theinst ArtThe2.1

2.2

2.3


0. Theft, loinsurancgiven to

1. All docu2. Underwa3. Damage

ticle 8. e following case. Normal c

he insured (or thsappropriation oattended other t. Better pr

he insured can bevent theft, loss,. Public trmage to or lossn, bus or airplan. Theft of eft of the insured

it has bep.m. localuggage it has beemergenfilm and

n motor vehiclesed facility.

. Theft froTheft of

re are traces of Theft of

mper in a storag. Theft froeft of valuables,

hese category c

ticle 1. e Company will ring the insurancdical expenses

doctor's the coststhe coststhe coststhe coststhe costs

e above-mentiotitutions.

ticle 2. e Company will . The exp

effect onThe insu

. The elboincurred

. The costaccident


ss, misapproprice. Unless the puse on loan is aments not mentater sports equie to accommoda

Caution Claues are not eligibcaution: he person whosor damage of thehan in a properrecautions: be reasonably e misappropriatio

ransport: , theft or misappne. or from motor vd luggage of or

een left behind ial time and therhas been aban

een abandoned ncy situation anvideo equipme

s with a third or f

om caravans andvaluables from

f break-in. photo, film and

ge facility equippom tents: photo, film and

conditions sha

Nature and sreimburse the mce’s cover perioexclusively incland specialistss of hospitalisats of the operatios of X-rays and s of medicine, bs of the insuredned costs will o

Reimbursemreimburse: enses mentione

n the date on whured shall neverow or armpit cru

within 90 days ts of prosthesest at a specialist’s


ation or damagperson from whoalso insured wittioned in Article pment.

ation

use le for reimburse

se assistance the insured luggagrly locked room.

expected to havon or damage to

propriation of va

vehicles: from motor vehn a properly locre is evidence ondoned without s

without supervid there is evident if they have bfifth door or in a

d campers: a caravan or ca

video equipmeped with a lock a

d video equipme

Call also be gove

scope of the inmedical expensod, up to the insude: ' fees; tion; on and the use oradiation treatm

bandages and m's medically necnly be reimburs

ment of medica

ed in Article 1, ohich the treatmer be entitled to autches or wheelc

after the sicknes (except teeth ps prescription.


03

lsupport@allianz-nl

e to goods receom the goods hath the Company1.6.

ement:

e insured is usige. Normal cau

e taken, and sho the insured lu

aluables and ph

hicles, unless thcked boot*, invisf forcible entry. supervision for osion during a sh

ence of forcible ebeen left behinda station wagon,

amper unless th

nt from a caravaand there are tr

ent, if they have

Category III. Merned by the G

co

surance es the insured hured amount sta

of the operatingment prescribedmassage prescricessary transposed if the doctor

l costs abroad

of medical assisent starts and sha reimbursemenchair purchasedess arose and/oprostheses), if t

ope

eived and/or givave been receiv

y for the same ri

ng) has not obstion has at any

hould have takenggage.

hoto, film equipm

e insured can psible from the ouHowever, the inover 24 hours.hort interruptionentry. In this casd in a properly lo, the boot must,

hese items are s

an or camper unraces of break-in

been left unatte

MEDICAL EXPGeneral Provisioonditions.

has to incur dueated on the cov

g theatre; by the doctor;ibed by the doct

ort to and from dr, the specialist a

stance in the arehall continue unnt exceeding 90 d or rented on mor the accident hthe insured has

en to use on loaved to use on losk and on the s

served normal crate not been o

n better precaut

ment not taken a

prove that: utside, the theft nsured is never

n during the jourse there is only ocked luggage b in addition, be

stored inside the

nless these itemn.

ended in a tent

PENSESons, unless the

e to an illness orver overview bel

tor; doctors and the and/or the hosp

ea of insurance.til the first oppodays.

medical prescriphappened. to purchase the

an during the cooan and/or to whsame insurance

caution to prevenobserved if the in

tions in the give

as hand luggage

took place betwentitled to reim

rney to have a bentitlement to r

boot,* invisible fcovered with a

e locked carava

ms are stored in

(awning).

ey are deviated

r disease or an low the insuranc

nearest hospitapital are acknow

This reimburseortunity of the ins

ption, provided th

em abroad as a

over period of thhom the goods h

certificate.

nt theft, loss, nsured luggage

en circumstance

e during transpo

ween 07.00 a.mbursement if the

break and/or durreimbursement ffrom the outsideback shelf or a

n or camper in

side the locked

d from in these

accident that occe policy taken

al; wledged by the c

ement shall comsured to return

hat these costs

consequence o

he have been

is left

es to

ort by boat,

. and 22.00 e insured

ring an for photo,

e. similar,

a safe and

caravan or

e category

ccurred out.

competent

me into to Finland.

have been

of an


ArtTheTheres ArtThe ArtTo Art6.1

6.2

6.3

ArtThe7.17.2

7.3

7.4

Th

ArtTheoveArtiTheinsuurg ArtTheunf2.1

2.2

2.32.4

2.52.6

2.7

2.8

2.9


ticle 3. e Company will e costs of medicidence in Finlan

ticle 4. e Company will

ticle 5. all the damages

ticle 6. . The insu

accordareimburs

. If the tretreatmenwhich he

. If the insbe postp

ticle 7. e insured will no. If the sic. If the ins

treatmen. The cost

Finland. . The cost

hese category c

ticle 1. e Company guaerview in the eveicle 2. e insurance is surance certificatent reason for c

ticle 2. e reimbursemenforeseen events. the insur

establish. a relative

threaten. pregnan. a medica

event is . operatio. property

storm, lig. damage

a stay atrefuses t

. death, sestay of th

. the insureconom


Reimbursemreimburse:

cal assistance rend to the foreign

Reimbursemreimburse dent

Deductible s described in A

Special stipuured has to havence with his/hersement of hospi

eatment takes plnt for diseases, e/she has neversured is hospitaponed until after

Special excluot be indemnifieckness is relatedsurance policy hnt, the costs of sts of an operatio

ts of follow-up t

conditions sha

Purpose andarantees any insent of: cancellat

trictly personal te. The stipulaticancelling the b

Insured evennts mentioned ins that occurred dred has died, fahed by the attene of the insureding injury due tocy of the insureally necessary onot insured if thn of the insured

y (real estate, invghtning or floodcaused by fire,

t such place impto pay a reimbuerious illness orhe insured with red has becomeic reasons of th


ment of medica

eferred to in Artn travel destinat

ment of dentist’tist's costs incur

Article 1 the ded

ulations e him/herself trer current insuranitalisation to thelace in the coundisorders and dr been treated blised in a foreigr the insured's re

usions d for medical exd to the use of mhas been taken such continued on will not be re

reatment in Finl

all also be gove

d scope sured reimbursetion of the insur

and cannot be tons that apply tooked flight(s) c

nts n Article 3 shall during the insura

allen seriously illnding physician/ to the first or seo an accident in

ed, provided thaoperation whichhe family membd in connection wventory, househ, has been serio explosion, storpossible. A prec

ursement. r injury due to athese persons

e redundant ande company;


03

lsupport@allianz-nl

l costs in Finla

ticle 1 if the insution and/or durin

s costs rred during the p

ductible stated o

eated or nursednce/facility. If th

e costs of hospitntry of which thedeviations whichbefore. n hospital over eturn to Finland

xpenses in the fmedicine/preparout and/or has or prescribed tr

eimbursed if the

land and all cos

Category Ierned by the G

co

ement as furtherred's booked flig

transferred. Theto a particular incan be submitte

only be paid if tance’s term of v, incurred serio/specialist withinecond degree o

n the opinion of at this has been a family member concerned iswith a donor orghold effects or mously damagedrm, lightning or fcondition for this

n accident of this not possible;d can submit a p

ope

and

ured falls ill or isng the return jou

period of cover

on the cover ove

in ways that are insured has ntalisation of the e insured is a nah the insured did

two hours, the Cd.

following cases:rations to decreacome into effecreatment will nooperation could

sts in Finland ex

V. CANCELLGeneral Provisioonditions.

r described in Aght, if this is the

ere are as manynsured person ded to the medica

the damage is dvalidity: us injury due ton 24 hours afterof sanguinity hasa physician; medically estab

ber not travellings on a waiting lisgan transplant;merchandise) of, so that his/herflooding to the is is that the own

e insured's fam

permit to termin

s involved in an urney to Finland

in the event of u

erview applies.

re not unnecessno insurance elslowest class.

ational, the Comd not have befo

Company will on

: ase or increase

ct whilst the insuot be reimbursedd have been pos

xcept if covered

LATIONons, unless the

Article 3 up to thedirect conseque

y policies as thedo not apply to oal advisor of the

directly and excl

an accident, prr; s died, or has a

blished by the atg with the insurest for the operat

f the insured in Fr presence is urgnsured holiday ner/lessor of the

mily or friends res

ate a contract o

accident duringd.

urgent assistanc

sarily expensive sewhere, the Co

mpany shall onlyore the policy's e

nly reimburse th

e body weight. ured was alreadyd. stponed until af

by Article 3 of t

ey are deviated

e insured amouence of any of t

e number of insuothers, unless the Company for a

lusively caused

rovided that this

life-threatening

ttending physicied has to undergion;

Finland caused gently required;accommodation

e holiday accom

siding abroad, d

of employment,

g the journey fro

ce.

and which are ompany shall lim

y reimburse the effective date an

he treatment if it

y under medica

fter the insured's

this category.

d from in these

unts stated on ththe events ment

ured persons stahis is explicitly sassessment.

by the following

s has been med

g disease or a lif

ian/specialist; go unexpectedl

by fire, theft, ex

n of the insuredmmodation conce

due to which the

issued in conne

om his

in mit the

costs of nd for

t could not

al

s return to

e category

he cover tioned in

ated on the stated. The

g

ically

fe-

y; This

xplosion,

, rendering erned

e intended

ection with


2.1

2.1

2.1

2.1

ArtIf threim3.13.2

ArtTo ArtThetrav ArtTheinsuthareim ArtIn t7.17.2emshaIf th

Th

If th- Thbro- Fagua- Thcas

Th

ArtThebroprivpro


0. the insurdeparturweek for90 days

1. the insurpostponeeducatio

2. the insurthe stay

3. the unexrepresen

ticle 3. he insured has tmburse: . the amo. the costs

costs the

ticle 4. all reimburseme

ticle 5. e Company will velling companio

ticle 6. e Company will ured under this t this travel com

mbursement and

ticle 7. he event of dam. inform A. demonstployer’s statem

all visit a medicahe insured fails

hese category c

he insured needhe Company wi

ought against theacts that have toarantee; he insured is obse.

hese category c

ticle 1. e Company sha

ought by third pavate law. Loss ooperty (property


red, after unemre date is after 3r a period of at lbefore the end red is under an ed; A precondit

on; red cannot be vat the destinatio

xpected refusal ntative has appl

Reimbursemto cancel (a) bo

unt the insured s of rebooking te Company wou

Deductible ents described

Reimbursempay the reimbuon provided tha

Reimbursemalso pay the recategory that h

mpanion has takd that the insure

Special obligmage the insureAir France withintrate to the Coment, a cancellat

al examiner to bto fulfil said obli

conditions sha

ds legal assistanll pay the costs e insured, but oo do with the ins

bliged to send as

conditions sha

Which risk dall provide insuraarties against thoccurrences shadamage).


ployment for wh31 May followingeast one year oof the validity teobligation to takion for this, how

vaccinated and/oon concerned; of a visa requireied for it too late

ment of cancellaoked flight(s) du

owes to Air Frahe flight at a latuld have reimbu

in article 3, 5 an

ment paid to famrsement mentio

at they have take

ment in connectimbursement mas happened to

ken out cancellaed and this trave

gations in the eed or his/her sucn 24 hours after mpany the entitleion costs receip

be engaged by tigations, the Co

Call also be gove

nce outside of Fof the insured’s

only if the facts osured’s occupat

s soon as possi

all also be gove

does the Compance coverage ae insured due to

all be death, inju


03

lsupport@allianz-nl

hich the insuredg the year in whor for an indefinierm of the insurke a re-examina

wever, is that thi

or take medicine

ed for the insuree;

ation costs ue to an event m

ance for the flighter date, which pursed in case of

nd 6 the deducti

mily members oned in Article 3en out a cancel

tion with a travmentioned in Artio a travel compaation insurance oel companion in

event of damagccessor(s) mustthe insured eveement to paymept and any otherhe Company if

ompany will not

Category V. Lerned by the G

co

Finland: s lawyer up to thof which the insution or the use o

ible all evidence

Category VI. erned by the G

co

pany assume?against everydao a loss occurreury or impairmen

ope

was paid an unhich they left schite period of timrance; ation during the s concerns a re

e for medical re

ed, unless the in

mentioned in on

ht (including booprevents complecancellation.

ible on the cove

travelling with3 to the accompalation insurance

vel companioncle 3 to the insu

anion, who is noof his/her own antended to trave

ge t do the followingent; ent by submittinr evidence and the Company dpay any reimbu

LEGAL ASSISGeneral Provisioonditions.

he maximum amured is accusedor the control of

e to the Compan

TRAVEL LIAGeneral Provisioonditions.

ay liability risks ience on the grount to human hea

nemployment behool, has accepe. A preconditio

booked journeye-sit of an exam

easons, whereas

nsured cannot o

ne of the events

oking fees and fete cancellation

er overview app

the insured/traanying family me with the Comp

who is insuredured if he/she caot insured with tand that he, pursel to and from th

g:

g statements; sinformation the eems this nece

ursement.

STANCEons, unless the

mount stated ond do not fall undf a motorised ve

ny that can prov

ABILITYons, unless the

if during the conunds of statutoralth (bodily injur

enefit and for scpted employmenon is that the da

y and the re-exafor the complet

s this is obligato

obtain the visa b

mentioned in A

fees of airports)n. Those costs c

lies.

avel companiomembers of the ipany for the sam

d elsewhere ancels the journhe Company. Asuant to such in

he destination to

such as a doctorCompany deem

essary.

ey are deviated

the cover overver the criminal l

ehicle, form a fo

ve the costs of t

ey are deviated

ntracted trip comry liability provisry) or damage to

chool-leavers innt of at least 20 ate of employme

amination cannotion of a multi-ye

ory before the jo

because he/she

Article 2, the Com

). cannot be highe

ons of the insunsured as well

me period.

ney due to an evA precondition fonsurance, has reogether.

r’s certificate, anms necessary. T

d from in these

view when an alaw of that counrmal exclusion f

the insured’s law

d from in these

mpensation claimsions as set fortho or destruction

nsofar the hours per

ent is within

ot be ear

ourney or

e or his/her

mpany will

r than the

red as one

vent or this is eceived a

nd The insured

e category

action is ntry; for this

wyer in this

e category

ms are h under of


ArtindThethe Theinsu If ththe WhinsuThefolloof tThesco ArtInsLia3.1 3.23.33.43.5 Lia3.63.7

3.8

ArtIns4.14.2

4.3

4.44.5

4.6

4.7

4.8

4.9

4.1


ticle 2. demnity? e Company shainsured.

e Company shaured. The Comp

he injured party insured.

here the Compaured arising frome Company shaowing the insurehe insured. e sums insured ope of benefits p

ticle 3. urance cover shbility claims

insofar a. among a. due to th. due to d. due to a

bility claims aga. in respec. due to d

insured’srented fu

. as the owuse of su

ticle 4. ured event shal. Each an. The inst

reported. If the cla

of the cla. The insu. The insu

loss andreport, sdocume

. If the liabappointedeemed objectionin respec

. The insupart or bCompanreject ad

. If as a copayable Articles 4

. The Comor avert

0. Intention


How does th

all examine liabil

all pay indemnitypany shall furthe

or his legal suc

ny deems it desm an insured los

all not be responer’s failure to co

as stipulated inpayable by the C

Which risks hall not extend t

as they exceed tand between inshe transmissionamage directly damage directl

ainst the insuredct of hunting acamage to third s custody. Liabiurniture and furnwner, possessouch vehicle.

Duties and ol be deemed to d every insureditution of a preli

d to the Companaim to compensaaim having beeured shall also nured shall be obd to do everythinsupply informationts. bility claim is taked and nominate

necessary by len within the spect of compensa

ured shall not beby way of settlemny, the latter shadmission or refuonsequence of annuity, the ins4.3. or 4.5. shal

mpany shall hava claim.

nal or wanton vio


he Company pr

lity claims in res

y insofar as it reer pay indemnit

ccessor asserts

sirable or prudess occurrence,

nsible for any anonclude a liabilit

the insurance pCompany.

are not insuredto:

the scope of thesureds travelling of illness by theor indirectly arisly or indirectly a

d tivities; party property rlity arising fromnishings; or, keeper or driv

obligations aftebe the occurren

d event shall be minary investiga

ny without due dation against thn raised. notify the Compabliged subject tong possible withon in respect of

ken to a court oed by the Compegal counsel or

ecified time or setion. e entitled withoument. Where theall be exemptedse payment of caltered circums

sured shall be oll apply accordinve full authority t

olation of any o


03

lsupport@allianz-nl

rotect the insur

spect of their va

ecognises its duty if it effects or

a liability claim

nt to authorise tthe Company s

nd all resulting aty claim by mea

policy or informa

d?

e insured’s statug together and ie insured; sing from or cau

arising from the

rented by or on damage to ren

ver of a power,

er occurrence once of a loss whreported in writation or the issu

delay even if thee insured has b

any where a cla observation of a view to clarifyall circumstanc

of law, the insurepany full authoritr the Company. eek the necessa

ut the prior agree insured never from its duty tocompensation w

stances the insubliged to allow tngly. to submit on be

ne of these obli

ope

red against liab

alidity, reject unj

ty to indemnify oapproves a sett

before the cour

the appointmenhall bear the co

additional expenns of admission

ation for policyh

utory liability as nsureds and the

used by the exepractice of a sp

loan to the insuted holiday acc

air or motor-driv

of an insured ehich could lead ting to the Compue of orders impe Company is albeen asserted, t

aim has been asinstructions of tying the loss ev

ces surrounding

ed shall allow thty to act on his The insured shaary legal remed

eement of the Cortheless pays coo indemnify unlewithout obvious red obtains the the Company to

ehalf of the insur

igations may ex

bility claims an

ustified claims a

or approves admtlement, or whe

rts, the Compan

t of defence couosts of such defenditure in respecn, satisfaction or

holders shall for

a result of conteir accompanyin

ecution of profesport..

red, or obtainedommodation an

ven water vehic

event to liability claimpany without duposing punishmelready aware ofthe latter shall d

sserted throughthe Company tovent. The insure the loss occurr

he Company to behalf and submall without awaiies against orde

ompany to admompensation witess due to the cinequity. right to demand

o exercise such

red all such dec

xempt the Comp

nd to what exte

and indemnify a

mission of liabilre decreed by c

ny shall at its ow

unsel in criminaence counsel. ct of the main isr settlement due

rm the maximum

tractual or otherng relatives;

ssional activities

d through unlawnd hotel rooms s

cle due to dama

s against the inue delay. ent or of a defaf the insured eveduly notify the Co

the interventiono take all possibed shall provide rence and subm

conduct the triamit all such decting instructions

ers decreed by t

mit or satisfy a liathout seeking thircumstances th

d the cancellatioright on his beh

clarations as the

pany from its du

ent does it pay

any damage as

ity on the part ocourt ruling.

wn cost litigate o

al proceedings a

ssue, interest ane to resistance o

m limit in respec

r commitments;

s.

wful interferenceshall be include

age caused thro

sured.

ult summons shent. ompany within o

n of judicial or sble steps to mini

a detailed and tmit the correspon

al, grant the legalarations as mas from the Compthe courts or by

ability claim in tohe prior approvahe insured was

on or reduction half. The provisi

e insurer deems

ty to indemnify.

caused by

of the

on behalf of

against the

nd costs on the part

ct of the

, or in the d, but not

ugh the

hall be

one week

state aid. mise the truthful loss nding

al counsel y be pany raise y the state

otal or in al of the unable to

of a ions of

s fit to settle

TRAVEL INSURANCE AIR FRANCE COVER OVERVIEW

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Transcript of TRAVEL INSURANCE AIR FRANCE COVER OVERVIEW