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General Insurance Terms and Conditions for Travel Insurance VPP-CP 2014

Valid since: 01st January 2014

Introductory Provisions Travel insurance being concluded by Generali Poisťovňa, a.s., Lamačská cesta 3/A, 841 04 Bratislava, registered in the Commercial Register of the District Court Bratislava I, section: Sa, insert No.: 1325/B, Company ID No.: 35 709 332; belonging to the Generali group listed in the Italian insurance companies groups kept by ISVASS (hereinafter referred to as the “Insurer”), shall be governed by the Civil Code, these General insurance terms and conditions for travel insurance (hereinafter referred to as “VPP-CP”), respective Special insurance terms and conditions for travel insurance (hereinafter referred to as “OPP-CP”) and the concluded insurance policy.

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Part I

General Provisions

Article 1 Interpretation Clause For the purpose of insurance under these VPP-CP and OPP-CP, the following interpretation shall apply:

1. Address: place of residence of the Insured; 2. Luggage: belongings which the Insured took

with themselves for a stay abroad, and personal belongings which the Insured bought during the journey and stay abroad;

3. Related person: a husband/wife, a brother/sister of the Insured, parents of the Insured, parents of wife/husband, children, a person demonstrably living with the Insured in a common household;

4. Hotel stay – stay in an accommodation facility;

5. Mountain area: area where Mountain Rescue Service carries out rescuing activities pursuant to Act No. 544/2002 Coll. on Mountain Rescue Service; in case of stay of the Insured outside the territory of the Slovak Republic, mountain area shall be a mountainous area of the given state where a rescue service carries out rescuing activities;

6. Mountain Service: Mountain Rescue Service pursuant to Act No. 544/2002 Coll. on Mountain Rescue Service;

7. Disease: sudden occurrence of any disease directly endangering health or life of the Insured independently of Insured´s will, and requiring an immediate medical care;

8. Chronic disease: disease existing at the moment of insurance policy conclusion if it required hospitalization over the preceding 12 months, or was deteriorating, or caused substantial changes in medicine taking;

9. Beginning of journey: leaving address/place of residence/working place for the purpose of reaching destination of a planned journey;

10. Accident – is an event in operation of communications over land, e.g. road accident or car collision which results in death or injury of a person, or damage to property in direct connection with vehicular traffic;

11. Empty household: permanently occupied household (pursuant to VPP DOMino 11, part C. Separate part - Household Insurance) in ownership of the Insured on the territory of the Slovak Republic where the Insured has permanent residence;

12. Insurer: Generali Slovensko poisťovňa, a. s.; Lamačská cesta 3/A, 841 04 Bratislava, registered in the Commercial Register of the District Court Bratislava I, section: Sa, Insert No.: 1325/B, Company ID No.: 35 709 332; belonging to the Generali group which is listed in the Italian list of insurance

companies groups kept by ISVAP under No. 26;

13. Policy holder: physical person or legal entity who concluded the insurance policy with the Insurer and is obliged to pay the premium;

14. The Insured: physical person who is nominally specified in the insurance policy as a person whom a claim to indemnity shall arise in case of insurance claim;

15. Insurance claim: any incidental damage event related to obligation of the Insurer to provide indemnity according to these VPP-CP or OPP-CP;

16. The sum insured: maximum indemnity of the Insurer defined in the insurance policy and in OPP-CP;

17. Indemnity: sum paid by the Insurer under the insurance policy in case of insurance claim;

18. Duration of cover: period of time defined in the insurance policy during which insurance shall last;

19. Period of insurance: time defined in the insurance policy for which premium shall be paid;

20. Repatriation: transport of the Insured, respectively their remains at the territory of the Slovak Republic, respectively, after agreement with the Insurer or assistant company, into another EU state;

21. Risk activities: a) Manual labor; b) Hazardous sports - group 1: winter

sports: speed skating, bobsleighing, sledding, moguls, ski alpinism and ski-touring on designated routes; water sports: cannoning, rafting and other river floating, wakeboarding; other sports: aerotrim, American football, martial arts except for box and kick-box, bouldering, cyclo-cross, fly fox, mountain climbing up to 4,000 m above sea-level, riding sports, paintball, dog sledding, rugby, cliff- hanging, skateboarding, hiking on marked and unmarked routes up to 4,000 m above sea-level if securing equipment is present on such routes (e.g. ropes, chains, climbing irons, ladders), or if it is necessary to use any part of mountaineering equipment to overcome such route, ballroom dancing.

c) Hazardous sports – group 2: base jump, box, buggy kiting, buildering, formula 3000, four-cross, free-ride, free-skiing, BMX freestyle, heli-skiing, high jumping (cliff diving), climbing from 4,000 m above sea-level, kick-box, kite surfing, clattering, aerial sports, ice fall climbing, artificial ice climbing (icebreaker), motorsports, downhill mountain biking, mountain boarding, paragliding, parachuting, sailing, hunting, recreational diving with breathing apparatus without a trainer and without a

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certificate of diving course without a trainer for the given draught depth, skeleton, skiing and snowboarding outside the signed routes, ski alpinism outside designated routes, ski extreme, ski cross, ski jumping and ski flying, bungee jumping, scootscating, sky surfing, snowbungeekayaking, snowbungeerafting, snow kiting, snow trampoline, speleology, street luge, air tandem jumps, hang gliding, zorbing.

22. Senior: person who was 70 years old as of the day of insurance inception;

23. Business trip: travel for which the Insured is delegated by employer, respectively a trip or a stay abroad directly related to the occupation or working performance;

24. Deductible: shall be a contractually agreed share amount representing theInsured person´s participation in provided indemnity;

25. Cancellation fee – contractual fee charged by tourism provider to the Insured under cancellation terms and conditions applicable for the ordered service in case the Insured cannot use a service ordered in advance due to reasons stated in these VPP-CP;

26. Damage event: event which could be a reason of the Insurer´s obligation to indemnify and which occurred during the insurance duration;

27. Accident: An accident is a health impairment caused to the Insured independently of their will, by a sudden, unexpected, violent and short-term impact of outer influences, including impact of chemicals. An accident also includes drowning, bodily harm caused by burning, lightning, electric current, gases or vapors, dislocation of limb joints, partial dislocation or sprain of limb joints, as well as tearing or tearing off of limb joints, tendons, ligament and joint cavities due to sudden abnormality in physiological movement, bodily harm caused by violent criminal activity of a third person unless such person is a person close to the Insured person and if criminal activity was reported to the police;

28. Vehicle – multi-track passenger / utility vehicle with overall weight up to 3.5 tons;

29. Rescuing activities: searching and rescuing of the Insured in distress, provision of the first aid to the Insured in distress and their transportation to the nearest means of transport of a medical facility, respectively to the medical facility; in case of stay of the Insured outside the territory of the Slovak Republic, rescuing activities shall include searching and rescuing of the Insured in distress. Rescuing activities have to be carried out by a rescue service;

30. Rescue service: an entity which is authorized to carry out rescuing activities in the given state under effective legal regulation of the given state;

31. Foreign representative of the Insurer: contracting partner of the Insurer authorized to handle claims abroad; and who provides continuous help to the Insured persons abroad in emergency situations;

32. Premium payment: payment shall be the crediting of the respective amount on the account of the Insurer (deposit of the respective premium amount on the bank account of the Insurer or credit transfer or payment via Slovenská pošta a.s.). In case of doubts, the Insurer shall be entitled to request from the policy holder documentation demonstrating the date of premium payment.

Article 2 Types and Scope of Insurance

1. The following types of insurance can be agreed within travel insurance:

medical insurance;

insurance of search and rescue;

accident insurance;

luggage and documents insurance;

insurance of cancellation fees, insurance of break of journey;

insurance of delay of means of transport and late return home;

liability insurance;

insurance of an empty household;

insurance of assistance for vehicle breakdowns;

assistance services above standard;

assistance services. 2. The scope of insurance shall be agreed in the

insurance policy. 3. The Group travel insurance shall be

governed by the provisions of respective insurance policy.

Article 3 Conclusion of the Insurance Policy

1. The insurance policy shall be concluded as of the date of its signing by the parties. Premium has to be paid not later than on the day of Insurance Inception under the insurance policy. In case of a remote agreement of insurance, the Policy holder can accept a proposition to conclude the insurance policy by premium payment in the amount stated in the proposition, if that is carried out not later than on the day of insurance inception. The insurance policy shall in such case be concluded at the moment of premium payment within set term, not later than on the day of insurance inception.

2. A valid identification document or travel document of the Policy holder has to be submitted upon insurance agreement (except for insurance agreed remotely).

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3. If the insurance is a part of a package tour, the insurance policy shall be concluded A certificate of insurance policy conclusion shall be the Contract on tour provision confirmed by the tour provider, respectively other document confirming tour purchase.

4. At the moment of insurance policy conclusion, the policy holder and the Insured authorize the Insurer to negotiate on their health condition with doctors, medical facilities representatives and other authorities regarding the insurance claim. The Insurer shall be entitled to request health records from doctors who were treating the Insured as well as require from the Insured medical examination at a doctor determined by the Insurer. Information on health condition of the Insured can be used by the Insurer only for their own needs and needs of the Insurer and their foreign representative. Their usage for other purposes shall only be possible with the consent of the Insured.

5. The prerequisite of conclusion of insurance policy for annual travel insurance shall be the Insured´s permanent residence in the Slovak Republic, unless otherwise agreed in the insurance policy.

6. The insurance policy for annual travel insurance may not be concluded by a senior.

7. The insurance policy provisions shall prevail over these VPP-CP and OPP-CP.

Article 4 Duration of Cover, Inception and Termination of the Insurance

1. The insurance cover shall start after crossing the borders of the Slovak Republic, however not sooner than on the date stipulated in the insurance policy as the insurance inception day, unless otherwise agreed in these VPP-CP or respective OPP-CP or in the insurance policy.

2. Insurance can be agreed for a definite period of time, a maximum 365 days of continuous stay, and 366 days in case of a leap year (hereinafter referred to as “short- term travel insurance” or for an indefinite period of time with the period of insurance of 1 year (hereinafter referred to as “annual travel insurance”).

3. Annual travel insurance shall cover the first 45 days of each stay abroad within the duration of cover, unless otherwise agreed in the insurance policy or OPP-CP. The number of trips abroad shall not be limited. A document demonstrating the length of stay of the Insured person abroad upon insurance claim shall be the travel ticket, air ticket, verified copy of a passport page with passport control stamp and with the date of state border crossing within the journey abroad and back, and the page identifying

passport holder or other document containing name and surname of the Insured and from which the length of stay of the Insured person abroad shall be clear (confirmation from employer on holiday pay, journey order, bank documents, confirmation issued by the Insurer´s branch, etc.). If the Insured does not submit such document, the Insurer shall not be obliged to provide indemnity.

4. If the Insured has held annual travel insurance and the length of their stay abroad exceeds 45 days, the period exceeding 45 days can be insured by short-term insurance. In such case, overall insurance shall cover maximum 365 days (366 days in case of a leap year) of the stay abroad.

5. Short-term travel insurance shall continuously cover the whole agreed duration of cover.

6. Insurance protection shall expire by state border crossing by the Insured upon their return back at the territory of the Slovak Republic, unless otherwise agreed in these VPP-CP or respective OPP-CP or in the insurance policy, however not later than at 12:00 pm of the day set out in the insurance policy as the insurance termination day. Insurance protection within insurance of cancellation fees shall expire after the beginning of the journey.

7. The Insurer can prolong insurance upon request from the policy holder or the Insured if the stay abroad immediately follows the expiration of the original insurance with the Insurer by concluding a new insurance policy not later than 1 day before the expiration of the original insurance. In such case, insurance shall cover a maximum of 365 days of stay abroad (366 days in case of a leap year), unless otherwise agreed in the insurance policy. If such new insurance does not immediately follow the expiration of the original insurance, insurance protection shall

begin not sooner than on the 6th day after the

day of new insurance policy conclusion. The insurance shall also in such case cover a maximum of 365 days of stay abroad (366 days in case of a leap year), unless otherwise agreed in the insurance policy.

8. In case of insurance agreement with a person other than the Insured and in case of a remote agreement of insurance, the Insured shall be obliged to demonstrate, upon the request of the Insurer, that they were staying at the territory of the Slovak Republic at the time of insurance policy agreement. Providing they were not staying at the territory of the Slovak Republic at the time of insurance policy agreement or they are not be able to demonstrate such fact, and insurance shall not immediately follow the expiration of the original insurance with the

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Insurer, their insurance protection shall begin

not sooner than the 6th day after the date of

the insurance policy conclusion. Article 5 Territorial Validity of Insurance

1. Travel insurance shall cover only insurance claims which happened at the territory defined in the insurance policy or OPP-CP for respective insurance.

2. Insurance shall be agreed with the following territorial validity: a) territory of Europe"; b) territory of "World".

3. If the territory of “Europe” is agreed in the insurance policy, it shall mean that the insurance shall cover insurance claims which shall happen in any European country from the geographical point of view, in countries lying in the Mediterranean Sea, around the Mediterranean Sea and the European part of Russia except for the Slovak Republic (SR) – unless otherwise agreed in these VPP-CP or respective OPP-CP or in the insurance policy. These countries include: Europe (except for SR) including the Mediterranean region, i.e. Albania, Algeria, Andorra, Belgium, Belarus, Bosnia and Herzegovina, Bulgaria, Cyprus, Czech Republic, Monte Montenegro, Denmark, Egypt, Estonia, Finland, France, Greece, Netherlands, Croatia, Ireland, Iceland, Israel, Jordan, Lebanon, Libya, Lichtenstein, Lithuania, Latvia, Luxemburg, Macedonia, Hungary, Malta, Morocco, Moldavia, Monaco, Germany, Norway, Poland, Portugal (including Azores Islands and Madeira), Austria, Romania, Russia (European part), San Marino, Slovenia, Serbia, Syria, Spain (including Balearic and Canary Islands), Switzerland, Sweden, Italy, Tunisia, Turkey, Ukraine, Vatican, Great Britain.

4. If the territory of “World” is agreed in the insurance policy, it shall mean that this insurance shall cover insurance claims which shall happen in any country of the world except for the Slovak Republic – unless otherwise agreed in these VPP-CP or respective OPP-CP or in the insurance policy.

Article 6 Quoting of Premium

1. Premium is a financial liability of the policy holder for agreed insurance and its amount shall be agreed in the insurance policy. The amount of premium shall be determined in accordance with valid tariffs for individual insurance types and shall be set out in EUR, unless otherwise agreed in the insurance policy.

2. If maximum age of the Insured is determined for insurance, or premium amount depends on the age of the Insured, the age of the Insured on the day of beginning of period of insurance shall be used for this purpose.

3. Premium shall be determined for the whole agreed duration of cover (lump sum premium) or for a period of insurance (common insurance). Lump sum premium can only be agreed for insurance concluded for a definite period of time (short- term travel insurance). Lump sum premium shall be payable on the day of insurance inception. Lump sum premium always belongs to the Insurer in whole. Common premium shall be paid annually during whole duration of cover and shall be payable on the day of beginning of the period of insurance. Period of insurance shall be 12 months (insurance year), unless otherwise agreed in the insurance policy.

4. If the Insured or Policy holder provides the Insurer with false or incomplete information upon the insurance policy conclusion, e.g. date of birth, etc., resulting in incorrect determination of premium, duration of cover or the sum insured, the Insurer shall be entitled to reasonable lowering of indemnity, or withdrawal from the insurance policy under Section 802 (1) of the Civil Code.

Article 7 Payment of Costs

1. Costs incurred in relation to the insurance claim shall be paid on behalf of the Insured person by an authorized foreign representative of the Insurer, however up to the maximum amount of the sums insured, determined in OPP-CP for individual insurance types, respectively in the insurance policy.

2. If the Insured pays costs in relation to the insurance claim directly in cash or by noncash transfer on the basis of an invoice, they shall be entitled to request compensation of costs from the Insurer. In such case, they shall be obliged to: a) submit without delay after return at the

territory of Slovak Republic requested original documents; in case they did not receive them from health care provider, the Insured shall be obliged to notify the Insurer of the insurance claim, and submit absent documents immediately after they receive them from the provider; in such case, the Insurer shall only provide indemnity after receiving all necessary documents from the Insured person.

b) undergo, upon the Insurer´s request, a medical examination by a doctor determined by the Insurer.

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3. The Insured shall be obliged to ensure on their own costs authorized translation of all requested documents if they are not issued in English, German or Czech language.

Article 8 Indemnity

1. Claim to indemnity and its amount shall be decided by the Insurer in accordance with these VPP-CP, respective OPP-CP, the insurance policy and on the basis of requested documents submitted by the Insured. The Insurer shall be obliged to provide indemnity resulting from the insurance claims which happen at the time of insurance duration.

2. The Insurer shall reserve the right to verify submitted documents as well as the right to request expert statements of independent experts. The Insurer shall also be entitled to consult claims with a foreign representative and send them documentation related to the claim for consideration.

3. Indemnity shall be provided in EUR and shall be payable within fifteen days, as soon as the Insurer has completed examination necessary to find out the extent of Insurer´s obligation to indemnify.

4. In case of insurance claim for which the Insured person filed a claim with several Insurers, the Insurer shall be entitled to provide indemnity only in the amount of an aliquot part of the amount which the Insurer shall be obliged to pay according to the contract, while the aliquot part shall be a share of the sum insured by the Insurer to the total of sums insured by all Insurers.

5. If several insurances were agreed with the Insurer for the same period of insurance and for the same risk, the Insurer shall be obliged to indemnify only from one insurance, to the maximum amount of the sum insured.

Article 9 Exclusions

1. The insurance shall not apply to events which are a direct or an indirect result of: a) intentional act of the Insured / policy

holder or persons related to them, or gross negligence of the Insured. Gross negligence shall be the act or negligence by the policy holder / the Insured when damage must have been assumed or expected and the policy holder / the Insured knew or could have known and should have known that such act or negligence would result in damage;

b) mental disease or mental disorder of the Insured (first distribution of disease or disorder shall be covered) and changes to their mental condition or AIDS disease;

in case of the first distribution of a mental disorder or disease, the Insured shall be obliged to submit a document from their attending physician that the given disease had not been neither treated nor diagnosed to them;

c) direct or indirect influence of nuclear energy, ionizing radiation, radioactive or similar radiation;

d) suicide or attempted suicide; e) consumption of alcohol or other

narcotics, intoxicants, psychotropic or other drugs able to have negative impact on mental condition, control and recognition, or social behavior of people;

f) any form of participation of the Insured in planning, attempt or commission of a criminal act;

g) active presence at a public gathering, demonstration or manifestation;

h) war events of all kinds and civil war regardless of whether bodily harm shall be caused directly due to such event or implicitly;

i) terrorist acts and war events on territory of states which were at the time ofinsurance policy conclusion classified by the Ministry of Foreign Affairs of Slovak Republic as countries/locations where a terrorist attack or state of safety threat is expected or which are not recommended to travel to; in case the Insured shall be staying in such country/location at the time of such announcement but shall not leave such country/location, the Insurer shall have a right to refuse to grant indemnity;

j) participation in expeditions and journeys into unexplored areas.

2. Insurance shall not cover events which were

possible to expect or which were known to happen already upon the insurance policy conclusion.

Article 10 Assistance

1. Help to the Insured abroad in emergency situations shall be provided by a foreign representative of the Insurer – an assistance company Europe Assistance, s. r. o.

2. The Insurer shall provide assistance services (indemnity), if the Insured person files a claim with the assistant company or the Insurer.

3. In case the Insured does not follow the instructions of the Insurer´s foreign representative and its contractual partners, the Insurer shall have a right to reduce or refuse indemnity.

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Article 11 Duties of the Insured and the Policy Holder

1. The Insured and the Policy holder shall be obliged to answer truly and fully to all Insurer´s questions regarding the agreed insurance.

2. In case of damage event which can lead to a claim of the Insured for indemnity under the insurance policy, the Insured shall be obliged to follow the instructions defined in these VPP-CP or OPP-CP and collect all documents defined in these VPP-CP or OPP-CP with the original documents regarding all costs to be paid, and deliver them to the Insurer.

3. It shall be required to submit on the Insurer´s request further documents necessary to examine the damage event by the Insurer. In case the Insured, respectively the Policy holder do not cooperate, the Insurer shall be entitled to collect such documents itself, while related costs shall be paid by the person filing a claim with the Insurer. The Insured shall agree with such Insurer´s costs deduction from indemnity.

4. The Insured and the Policy holder shall be obliged to provide the Insurer with all true information which can be significant in considering the insurance claim and extent of its consequences.

5. If conscious breaking of duties defined in clauses 1, 2, 3 and 4 hereof had a substantial impact on consideration of the insurance claim, the Insurer shall be entitled to reduce indemnity resulting from the insurance claim according to the impact such breaking had on the extent of its obligation to indemnify, respectively the Insurer shall not be obliged to grant indemnity.

6. The Insured shall be obliged to enable the Insurer on its request access to medical records on their health condition, and release the doctor from keeping confidentiality. On the Insurer´s request, the Insured shall be obliged to undergo medical examination by a doctor determined by the Insurer.

7. The Insured or the Policy holder shall be obliged to notify the assistance company or the Insurer of insurance claim without delay in compliance with VPP-CP, and after return from journey, to submit original documents on payment of costs being subject to indemnity by the Insurer.

8. The Insured and the Policy holder shall be obliged to make effort to avoid insurance claim, they mainly must not break duties aimed at averting and reducing danger, which have been imposed on them by legal regulations, or which they have adopted through these VPP-CP, OPP-CP and the insurance policy.

9. Apart from liabilities stipulated by legal regulations, the Insured shall further be obliged to fulfil obligations stipulated in OPP-CP, respectively in the insurance policy in case of insurance claim.

Article 12 Cancellation of the Insurance Policy

1. Provided that insurance of cancellation fees does not represent a part of insurance or premium has not been paid, it shall be possible to cancel the insurance policy for a definite period of time (short-term travel insurance) not later than one day before the day of insurance inception, with effectiveness as of the day of insurance inception defined in the insurance policy. The Insurer shall be obliged to return to the Policy holder the whole paid premium.

2. The insurance policy for an indefinite period of time (annual travel insurance) may be cancelled under the following conditions: a) provided that insurance of cancellation

fees does not represent a part of insurance, or premium has not been paid it shall be possible to cancel the insurance policy no later than one day before the day of insurance inception with effectiveness as of the day of insurance inception defined in the insurance policy. The Insurer shall be obliged to return to the Policy holder whole paid premium;

b) by a written notice of each of the contracting parties within 2 months after its conclusion. The period of cancellation shall be 8 days and shall start on the day following the notice delivery. Insurance shall expire after its expiration. In such case, the Insurer shall be entitled to claim an aliquot part of the premium paid until the insurance termination;

c) by a written notice of each of the contracting parties at the end of the period of insurance, while the notice has to be delivered to the other contracting party no later than 6 weeks before its expiration.

Article 13 Termination of Insurance

1. Insurance shall be terminated if the first premium has not been paid within three months after its maturity date. Insurance shall be terminated after this period lapses.

2. Insurance shall be terminated if premium for the following period of insurance has not been paid within one month after the delivery of Insurer´s request to pay, unless premium has been paid before delivery of such request. The Insurer´s request shall include a notice that insurance shall be terminated if

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premium is not paid. That shall also apply if only a part of premium has been paid. In such case, insurance shall be terminated after one month from the day of the request delivery to the Policy holder.

3. Insurance shall also be terminated under the following conditions: a) by death of the Insured; b) by withdrawal from the policy under

Section 802 (1) of the Civil Code; c) by refusal of indemnity under Section 802

(2) of the Civil Code; d) if stipulated maximum height of the sum

insured for one period of insurance, defined in the insurance policy, has been drawn after indemnity provision;

e) for annual travel insurance, after expiration of the period of insurance during which the Insured was 70 years old, unless otherwise agreed in the insurance policy or OPP-CP;

f) by notice of the Insurer or the policy holder within 1 month after completion of damage event examination, or within 3 months after notification of the damage event to the Insurer. Notice period shall be one month and shall begin on the day of notice delivery; insurance shall be terminated after it lapses;

g) in cases defined in OPP-CP for respective insurance type.

Article 14 Transfer of Insurance Rights

1. If the Insured has a right for damages to other person for a damage caused by insurance claim, this right shall be transferred to the Insurer up to the amount of indemnity provided by the Insurer.

2. Claims of the Insured with related persons shall not be transferred to the Insurer except for cases when such persons caused the damage intentionally.

3. The Insured shall be obliged to provide the Insurer with maximum cooperation in order for the Insurer to be able to file a claim against other person for damage caused by the insurance claim. If the Insured resists Insurer´s possibility to file a claim, the Insurer shall have a right to refuse indemnity provision, or if consequences of such act appear only after indemnity provision by the Insurer, the Insurer shall have a right to repayment of provided indemnity.

4. All claims of the Insured based on health insurance with the insurance company of the Insured, up to the maximum amount of sum insured under OPP-CP, shall be transferred on the Insurer.

Article 15 Written Communication and Delivery of Documents

1. Changes to the insurance policy can only be carried out after written agreement of contracting parties, unless otherwise agreed in these VPP-CP.

2. Changes to the insurance policy regarding change of address, name and/or surname of the Policy holder and/or the Insured can be announced to the Insurer by phone and/or electronically; in such case, the Insurer shall have a right to re- quest supplementary announcement in written form, and the Policy holder and/or the Insured person shall be obliged to respond to such request from the Insurer within 5 days after its receipt.

3. The Insurer´s documents intended for the Policy holder and/or the Insured person shall be delivered to the last known address of the Policy holder and/or the Insured. The Insurer´s obligation to deliver documents shall be fulfilled as soon as the Policy holder and/or the Insured accept it. Should the document be deposited at the post office because the recipient was not reached and the recipient does not collect it within the respective date, the document shall be considered delivered on the day of its return to the Insurer, for legal entities within three days from its return to the Insurer even though the recipient did not learn about the document being deposited. In case the document was returned to the Insurer as undeliverable due to the change of address, it shall be considered delivered on the day of its return. The Insurer´s obligation to deliver the document shall be fulfilled also when the delivery of document was blocked by the act or negligence of the Policy holder and/or the Insured. The effects of the delivery also happen when the Policy holder and/or the Insured refuses to accept the document. The Insurer´s documents shall usually be delivered via post or other entities authorized to deliver mail, but they can also be delivered directly by the Insurer.

Article 16 Grievances Procedure

1. Grievance shall mean a written objection from the Insured and/or the Policy holder against the performance of Insurer´s insurance activity with regard to the concluded insurance policy. The grievance must be filed in writing and duly delivered to the Insurer.

2. It must be clear from the grievance who is filing it and what issue it concerns.

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3. The Insurer shall deal with any grievance that meets the requirements under clause 1 and 2 of this VPP-CP article.

4. The Insured and/or the Policy holder shall be obliged to submit without undue delay and at the Insurer´s request the requested documents regarding the filed grievance. Should the complaint lack the required information or the Insured and/or the Policy holder fail to submit the documents, the Insurer shall be authorized to invite and warn the Insured and/or the Policy holder that in case he fails to complete or correct the required information and documents within a set period, the handling of grievances may not be completed and the grievance shall be filed away as null.

Article 17 Jurisdiction

1. The insurance policy concluded under these VPP-CP shall be decided on the basis of Slovak laws. All disputes that may arise on the basis of the insurance policy concluded under these VPP-CP shall fall within the jurisdiction of the respective court of the Slovak Republic.

Article 18 Politically Exposed Person

2. The Policy holder shall be obliged, at the conclusion of the insurance policy as well as during the insurance relationship, inform the Insurer in writing about facts that may cause the Policy holder to be considered a politically exposed person in terms of Act No. 297/2008 Coll. In case the Policy holder fails to inform the Insurer about the above mentioned facts, he shall be considered a person not politically exposed.

Part II Insurance of Medical expenses

Article 1 Subject-matter and Scope of Insurance

1. From the medical expenses insurance, the Insured shall have a right for indemnity for necessary costs of emergency examination of the Insured and other costs defined in Article 3 of this part of VPP-CP resulting from accident, sudden disease or death of the Insured abroad.

2. Necessary costs of emergency examination shall be the costs necessarily needed from medical point of view to avert life endangerment or health damage of the Insured.

3. In state where the Insured has permanent residence or citizenship, insurance of medical expenses shall apply only in case if they are medically insured in the Slovak Republic or other member state of the European Union.

4. Insurance protection in medical expenses insurance shall not apply to territory of the state where the Insured has mandatory obligation to pay for medical or similar insurance.

5. The scope of insurance shall be agreed in the insurance policy.

Article 2 Insurance Claim

1. Insurance claim in medical expenses insurance shall be an accident, a disease or a death of the Insured which happened outside the territory of the Slovak Republic during the insurance period and which requires immediate medical examination or hospitalization or transport of the Insured, and which results in the Insurer´s obligation to pay necessary costs under these VPP-CP.

2. Insurance claim shall also mean a serious disease or death of an adult person travelling with a minor Insured, and due to such disease or death of the adult per- son, the minor insured remains abroad without a family member, legal representative or another authorized person.

Article 3 Indemnity

1. If costs arise under Article 2 of this part of VPP-CP, the Insurer shall pay the Insured documented necessary costs for: a) outpatient care; b) hospitalization and medical examination

during hospitalization; place of hospitalization must be generally recognized as a hospital, must always have responsible medical management and permanently present attending physician, must have sufficient diagnostic and therapeutic facilities and use scientifically recognized and clinically tried methods. It is necessary to use the nearest hospital situated at the place of insurance claim or the next nearest hospital. If hospital stay is supposed to last longer than 3 days, the Insurer or assistance company must be informed as soon as possible, otherwise loss of insurance protection or indemnity reduction can occur;

c) medicine prescribed by a doctor in relation with the insurance claim;

d) transport of the Insured to the nearest health care facility in a way determined by a doctor;

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e) repatriation of the Insured in case the originally planned means of transport cannot be used due to health reasons;

f) repatriation of bodily remains and luggage of the Insured to the residential address in case of a death of the Insured;

g) outpatient dental examination in the extent of the first aid or as a result of accident if the reason of examination is not the neglected care of the Insured, respectively uncompleted treatment in the Slovak Republic;

h) transport of minor insured children to the residential address and journey of their guardian if a guardian is necessary due to the insurance claim;

i) return of co-insured person if such person must preliminarily finish their booked stay due to accompaniment for the transport of the Insured, or must prolong the stay on the basis of hospitalization of the Insured. Journey home shall be arranged in the shortest possible term and shall be taken by a reasonable means of transport; costs arisen due to unavailability or only partial unavailability of booked and paid flight tickets or travel tickets for the return journey shall be indemnified. Hospital´s aircraft can take another person only after approval by the assistant company and transport company;

j) transport and accommodation of guardian of the minor insured; In case of insurance claim under Article 2 (2) of this part of VPP-CP, the Insurer shall arrange transport and pay costs of transport of guardian of the minor insured to the place of hospital stay and then back to place of residence of the guardian, and guardian´s accommodation costs. Costs of transport of guardian shall mean costs of travel ticket, or flight ticket of economic class from the guardian´s place of residence to the place of temporary stay of the minor insured as well as costs of travel ticket or flight ticket of economic class from the place of temporary stay of the minor insured back to the guardian´s place of residence. The guardian shall be a family member or other person determined by legal representative of the minor insured or person determined by court decision. The Insurer shall further arrange and pay costs of transport to the place of residence for the minor insured, if the original means of transport cannot be used. Costs of guardian´s accommodation shall be the guardian´s costs arisen at the place of temporary stay of the minor insured;

k) transport and accommodation of a related/close person of the Insured; If hospital stay of the Insured abroad lasts longer than 10 days, the Insurer shall arrange transport and pay costs of transport of a relative/close person at the place of hospital stay of the Insured and back to their place of residence. Costs of transport of a relative/close person of the Insured shall be the costs of travel ticket or flight ticket of economic class from the place of residence of the relative/close person of the Insured to the place of hospitalization of the Insured as well as costs of travel ticket or flight ticket of economic class from the place of hospitalization of the Insured back to the place of residence of the relative/close person of the Insured. Costs of accommodation of the relative/close person of the Insured shall be the relative´s/close person´s costs arisen at the place of hospitalization of the Insured. Such costs shall be paid no longer than the end of hospitalization of the Insured. If the Insured is:

hospitalized in a country where a relative/close person normally takes care of patients

or it is an contagious disease with ordered quarantine and transport is impossible

or the Insured is released from hospital, waiting for repatriation and is unable to take care of themselves

or accompaniment is necessary upon repatriation condition of claim for transport and accommodation of the relative/close person of the Insured shall be reduced under this paragraph to hospital stay for more than 5 days.

l) daily hospital payments for each day of hospitalization longer than 3 days, but maximum 30 days from the beginning of the Insured´s stay in hospital;

m) costs of travelling and stay of a substitute employee; If the Insured died, respectively was hospitalized abroad as a result of sudden disease or accident, the Insurer shall pay costs of travel, accommodation and catering of the substitute employee sent at the destination according to the journey order of originally delegated employee. If a close person of the Insured died in the Slovak Republic during the journey abroad, the Insurer shall pay the Insured costs of return journey if the original means of transport could not be used.

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Indemnity for paragraphs a) to d) of this clause shall be provided only for costs arisen in direct relation with the insurance claim and which happened within 30 calendar days following the day of insurance claim.

2. The Insurer shall provide indemnity from medical expenses insurance only up to the amount of actual costs and only after deduction of the amount which was paid to the Insured by respective health insurance company. The Insured shall be obliged to submit all respective documents requested by the Insurer, also additionally.

Article 4 The Sum Insured

1. The sum insured for medical expenses insurance shall be stipulated in OPP-CP and shall represent the upper limit of indemnity for one insurance claim, unless otherwise agreed in the insurance policy or OPP-CP.

Article 5 Duties of the Insured

1. The Insured shall be in case of the insurance claim obliged to: a) Inform the Insurer or its foreign

representative by phone or in writing and ask its approval in the following issues:

more demanding, repeated outpatient operations;

payment for operations exceeding EUR 300;

hospitalization;

insurance claim on journeys outside Europe;

necessity to ensure transport to the Slovak Republic (including transport of bodily remains and luggage in case of death);

Exceptions shall be the unforeseeable outpatient examinations or medical help which were necessary to avert acute endangerment of life or health and measures to stop acute pain.

b) do everything to avoid the insurance claim and to reduce extent of its consequences, predominantly find medical help after an accident or disease occurrence without undue delay;

c) follow instructions of the Insurer and foreign representative of the Insurer;

d) cooperate efficiently with the attending physician, Insurer and its foreign representative in order not to increase costs of indemnity from the insurance claim unreasonably;

e) grant consent to the attending physician to provide the Insurer on its request with information on health condition of the Insured;

f) inform the Insurer or its representative on the insurance claim truly;

g) submit the following documents (they must include date, stamp and signature):

original medical report with determined diagnosis and list of carried out medical operations;

original bill for examination, stay in hospital, medicine prescribed by the doctor and for transport;

filled in Notice of Insurance claim form;

h) submit to the Insurer all bills sent to the Insured at their address without any delay.

2. The Insurer can stipulate further duties supplementing VPP-CP in the insurance policy.

3. If the Insured breaks any of the obligations defined in clauses 1 and 2 of this article, the Insurer shall not be obliged to pay for costs related to the insurance claim. The Insurer shall not be obliged to pay the difference between increased and average costs if increased costs arose as a result of non-fulfilment of obligations of the Insured.

Article 6 Exclusions

1. Apart from exclusions defined in Part I, Article 9 of these VPP-CP, the Insurer shall be released from the obligation to provide indemnity also in cases when the Insured suffered from an accident or disease in relation to: a) deliberate health damage; b) nuisance which they started or in relation

to criminal activity they committed; c) civil unrest in which they directly

participated; d) their own act deliberately violating legal

regulations valid in the given country (e.g. driving a motor vehicle without respective license);

e) carrying out of manual work, unless otherwise agreed in the insurance policy or OPP-CP;

f) doing professional or performance sports in the period of participation in competitions and preparation for them, unless otherwise agreed in the insurance policy;

g) carrying out a risk activity, hazardous sports (group 1 and group 2) in leisure time, unless otherwise agreed in the insurance policy;

h) participation in organized sporting events, sporting competitions and

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trainings for them, unless otherwise agreed in the insurance policy.

2. The Insurer shall be released from the obligation to provide indemnity if it concerns: a) examination (including laboratory and

ultrasound) to confirm pregnancy, interruption, any complications in relation to pregnancy after week 24 of pregnancy including delivery, examination and treatment of infertility and assisted reproduction, cytology;

b) costs under article 5 (1) (a) of this part, if they were expended without the consent of the Insurer or its foreign representative;

c) any kind of dental examination and related services except for costs under article 3 (1) (g);

d) aesthetic and plastic surgery; e) performance of operations outside the

health facility not carried out by a doctor or nurse with necessary qualification or treatment which is not scientifically or medically recognized;

f) preventive examinations, check-ups, medical examination and vaccination not related to sudden disease or accident as well as vaccination against exotic diseases;

g) rehabilitation, physiotherapy, spa treatment or above-standard care;

h) chiropractic operations, training therapy or self-sufficiency training;

i) replacements to produce and repair prostheses (orthopedic, teeth), braces, epithesis, glasses, contact lenses or listening apparatuses;

j) supporting medicine, vitamin or contraception products and over-the- counter medicine;

k) purchase of medicine against diseases reported already before the beginning of stay;

l) venereal diseases, including HIV virus infection and AIDS disease;

m) costs of repatriation of the Insured foreign citizen in case they shall not be able to use originally planned means of transport to the place of residence outside the territory of Slovak Republic due to health reasons;

n) costs of repatriation of bodily remains of the Insured foreign citizen to the place of residence outside the territory of Slovak Republic.

3. The Insurer shall not be obliged to indemnify in case the medical expenses arose as a result of: a) treatment care related to examination of

accident or disease which existed, was or could have been found or apparent before the insurance inception,

b) treatment or operations of chronic or other disease if, over the preceding 12 months, such disease required hospitalization, had progressive character or required changes of treatment or medicine taking,

c) diseases of recurring nature over the last 12 months,

d) treatment care if it became the only target or one of the main targets of the journey of the Insured, or if it is a treatment care which was known to have to be carried out during the stay abroad before the beginning of journey.

4. If “Sport” extended coverage is agreed in the insurance policy, insurance protection shall also include execution of hazardous sports of group 1 if the Insured is not a professional sportsman and sporting activity is not carried out at organized sporting events, competitions and trainings for them. Hazardous sports of group 2 shall not be insured.

5. If hazardous activity “Manual work” is agreed in the insurance policy, insurance protection shall include insurance claims which happen in relation to manual work. Insurance protection shall not apply to the following: tunnellers, miners, speleologists, rescuers, pyrotechnics, truck drivers, bus drivers, hunters, armed forces unit’s members, unless otherwise agreed in the insurance policy or OPP- CP.

Article 7 Documents Requested for Indemnity Payment

1. The Insured shall be obliged to submit to the Insurer the following documents, if they have not done so yet, before indemnity payment:

filled in “Notice of Insurance claim” form;

original medical report with determined diagnosis and list of carried out medical operations;

original bills for examination, stay in hospital, medicine prescribed by the doctor and for transport;

travel tickets;

document on accommodation payment;

in case of death, the death certificate and certificate/document on body examination.

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Part III Insurance of Search and Rescue Article 1 Subject-matter and Scope of Insurance

1. Subject-matter of the insurance shall be demonstrated and necessary costs of rescuing activity expended in case of imminent endangerment of life or health of the Insured: - by mountain service in a mountain area

at the territory of the Slovak Re- public under Act No. 544/2002 Coll. on Mountain Rescue Service as amended;

- by rescue service at the territory outside the Slovak Republic.

2. The scope of insurance shall be agreed in the insurance policy.

Article 2 Territorial Validity of the Insurance in Annual Travel Insurance For annual travel insurance, the insurance of search and rescue shall also apply to insurance claims which happen in a mountain area at the territory of the Slovak Republic during the insurance validity. Article 3 Insurance claim The insurance claim shall mean the obligation of the Insured to pay the mountain service or rescue service for costs of rescuing activities carried out for the benefit of the Insured within duration of cover according to Article 1 of this part of VPP-CP. Article 4 Indemnity

1. Indemnity at the territory of Slovak Republic (only for annual travel insurance under respective OPP-CP)

The Insurer shall be obliged to provide indemnity by payment of:

a) necessary and justified costs related to rescuing activities of mountain service employees in a mountain area, using reasonable specific means;

b) transport from mountain area to medical, respectively accommodation facility by a reasonable means of transport;

c) necessary examination carried out by mountain service for the purpose of averting endangerment of life or acute pain.

2. Indemnity outside the territory of SR (for short-term as well as annual travel insurance under respective OPP-CP)

The Insurer shall be obliged to provide indemnity by payment of:

a) costs related to rescuing activities of rescue service employees using reasonable specific means;

b) transport to the accommodation facility by a reasonable means of transport.

3. If the Insured paid partially or in full the costs

of rescuing activities, they shall be entitled to indemnity for the paid part of costs.

Article 5 The Sum Insured The sum insured shall be stipulated in OPP-CP and shall represent the upper limit of indemnity for one insurance claim, unless otherwise agreed in the insurance policy. Article 6 Exclusions

1. Apart from exclusions defined in Part I, clause 9 of these VPP-CP, the insurance shall not apply to costs of rescue which arose: a) by misuse of emergency hot line by

intentional request for help by the Insured which was not necessary according to these VPP-CP;

b) in relation to movement of the Insured in mountain terrain in the Slovak Republic if the degree 4 or higher of avalanche danger or other danger has been announced;

c) within an intervention on signed ski routes in the Slovak Republic during operation times (these costs shall be paid by operators of mountain transport facilities);

d) within ensuring the first aid and professional medical help in accommodation and catering facilities.

e) by doing professional or performance sport during the time of participation in competitions and preparations for them, unless otherwise agreed in the insurance policy;

f) by carrying out risk activities - Hazardous sports (group 1 and 2) in leisure time, unless otherwise agreed in the insurance policy;

g) in relation to participation in organized sporting events, sporting competitions and trainings for them, unless otherwise agreed in the insurance policy.

2. If “Sport” extended coverage is agreed in the insurance policy, insurance protection shall also include execution of hazardous sports of group 1 if the Insured is not a professional sportsman and sporting activity is not carried out at organized sporting events, competitions and trainings for them.

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Hazardous sports of group 2 shall not be insured.

Article 7 Documents Requested for Indemnity Payment The Insured shall be obliged to submit to the Insurer the following documents before indemnity payment:

- report on rescuing activity issued by respective rescue service;

- documents on payment of costs of rescuing activities.

Part IV Accident insurance Article 1 Subject-matter and Scope of Insurance

1. Subject-matter of the insurance shall be: a) death of the insured due to an accident; b) permanent consequences caused by

accident of the Insured. 2. The scope of insurance shall be agreed in the

insurance policy. Article 2 Time Scope of the Insurance Validity

1. Insurance commences on the moment of setting out on a journey, however, no sooner than the day stated in the insurance policy as the insurance inception.

2. Insurance ceases on the moment of return of the Insured to the place of residence, however, no later than on a day stipulated in the insurance policy as policy expiration.

Article 3 Territorial validity Territorial validity of the accident insurance is stipulated under Part I Art. 5, the insurance also covers Insurance claims which take place in the territory of the Slovak Republic during insurance validity. Article 4 Insurance claim An Insurance claim is an accident of the Insured, if it takes place for the duration of insurance period and its consequence is the death of the Insured or emergence of permanent consequences caused by an accident. Article 5 Indemnity - Death of the Insured due to an accident If the Insured dies within 1 (one) year after the Insurance claim due to accident consequences

which represented Insurance claim, the Insurer pays out the Sum Insured stipulated in case of death caused by accident to the one to whom indemnity right was generated after the death of the Insured. Article 6 Indemnity – Permanent accident consequences

1. Permanent consequences shall mean permanent accident consequences which cannot be improved i.e. permanent impact on physical and mental functions of the Insured. A degree of permanent consequences is determined in per cents. On the basis of written application of the Insured to obtain indemnity, the Insurer´s duty is to provide for indemnity for the permanent consequences caused by accident which objectively emerged within one year after the day of accident. The Insurer shall not be obliged to provide benefits for consequences which objectively emerged for the first time after one year since the accident. Indemnity for permanent consequences can be provided during one year since the day of accident only, unless only origin of permanent consequences is proven, but also the degree of permanent consequences is medically unequivocally determined. If the commencement of permanent consequences is established within one year after the day of accident but the degree of permanent consequences is not medically unequivocally determined yet, indemnity are provided after the whole one year lapse since the day of accident. In such case, the degree of permanent consequences is determined by the Insurer according to internal valid valuation table for evaluation of permanent consequences. Individual percentage rates are added, however, indemnity cannot in any case exceed 100 % of the determined Sum Insured. Indemnity is due to the degree of permanent consequences higher than 10%.

2. If the Insured suffered from permanent consequences already before the accident and if the extent of permanent consequences of affected organ is increased by an accident which represents Insurance claim, the degree of previous consequences from the present disorder is determined in the same way as it is stated in this article, and physical indemnity are decreased by this extent.

3. If illnesses or physical impairments of the Insured also contributed to the accident consequences, indemnity is reduced in such proportions as illness or physical impairment are represented.

4. If the degree of permanent consequences is not unequivocal from the point of view of type and extent of consequences caused by an accident, both, the Insurer and the Insured have a right to further medical examination of

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the degree of permanent consequences within two years after the day when the accident originated. This examination is carried out by a physician chosen by the Insurer.

Article 7 Sums Insured

1. If the Insured suffers an injury under Article 4 of this part of VPP-CP within insurance duration and its consequence is a death of the Insured under Article 5 of this part of VPP-CP, the Insurer is obliged to provide indemnity amounting to sum Insured under respective OPP-CP, unless provided otherwise in the insurance policy.

2. If the Insured suffers an injury under Article 4 of this part of VPP-CP within insurance duration and its consequences are of permanent nature under Article 6 of this part of VPP-CP, the Insurer is obliged to provide indemnity amounting to percentage of sum Insured under respective OPP-CP which amounts to percentage of permanent consequences, unless stipulated otherwise in the insurance policy.

Article 8 Exclusions

1. Apart from exclusions stipulated in the Part I, Article. 9 of these VPP-CP, the Insurer is not obliged to provide indemnity also in cases of death or permanent consequences which resulted from: a) occupational disease; b) manual work performance, unless

provided for otherwise in the insurance policy or OPP-CP;

c) professional or top-level sports performance during competitions and respective competition preparations, unless provided for otherwise in the insurance policy;

d) hazardous pursuits performance, High-risk sports (group 1 and 2)during leisure, unless provided for otherwise in the insurance policy;

e) taking part in organized sport events, sport meetings and respective competition preparations, if it is not stated otherwise in the insurance policy.

2. If “Sport” extended coverage is agreed in the insurance policy, insurance protection shall also include execution of hazardous sports of group 1 if the Insured is not a professional sportsman and sporting activity is not carried out at organized sporting events, competitions and trainings for them. Hazardous sports of group 2 shall not be insured.

3. If hazardous activity “Manual work” is agreed in the insurance policy, insurance protection shall include insurance claims which happen in relation to manual work. Insurance protection shall not apply to the following: tunnellers, miners, speleologists, rescuers, pyrotechnics, truck drivers, bus drivers, hunters, armed forces unit’s members, unless otherwise agreed in the insurance policy.

Article 9 Indemnity payment

1. The Insured has a right to receive indemnity. In case of death of the Insured, persons determined under Section 817 of Civil Code have a right to receive the indemnity.

2. If the Insured is a foreign national, the Insurer does not cover travel costs of the Insured from abroad to the Slovak Republic territory which are connected with determination of their permanent consequences caused by an accident.

Article 10 Documents required for indemnity payment

1. Before indemnity is paid out, the Insured shall be obliged to submit to the

Insurer the following documents: - filled in “Notice of Insurance claim” form; - in case of permanent consequences due to

an accident, document stating time when the accident took place and its description, and a medical certification determining type and extent of permanent consequences by filling in “Notice of accident” form;

- in case of death, death certificate and document about examination of the dead.

Part V Luggage and documents insurance Article 1 Subject-matter and Scope of Insurance

1. Subject matter of insurance is: a) personal use items (i.e. clothes, shoes,

toiletries, glasses, suitcase, travel bag, medicine and valuables (watch, technical equipment of any type with its attachment, e.g.: photographic, filmmaking, camcorders, laptops, optical instruments, entertaining electronics, mobile phones, sports equipment (bicycles, surfs, skis, etc.), musical instruments) which the Insured took with themselves on the journey and stay or which were bought during the journey or stay;

b) costs arising from obtaining of replacement documents (i.e. identity card and/or passport) abroad in case of the Insurance claim;

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c) costs spent by the Insured in order to buy necessary clothes and toiletries in case of luggage late delivery by a transport company;

d) financial resources transfer costs and costs arising from obtaining advance in case of financial need under Article 4 (2) of this part of VPP-CP;

e) items necessary for occupation /gainful employment performance.

2. The scope of insurance shall be agreed in the insurance policy.

Article 2 Time Scope of the Insurance Validity

1. Insurance commences on the moment of setting out on a journey, however, no sooner than the day stated in the insurance policy as the insurance inception.

2. Insurance ceases on the moment of return of the Insured to the place of residence, however, no later than on a day stipulated in the insurance policy as policy expiration.

Article 3 Territorial validity Territorial validity of the accident insurance is stipulated under Part I Art. 5, the insurance also covers Insurance claims which take place in the territory of the Slovak Republic during insurance validity. Article 4 Insurance claim

1. An Insurance claim is a harm, damage, loss or theft of the Insured´s personal use items and travel documents provided other person´s action is proven.

2. The Insurance claim also takes place if the Insured suffers from financial need arising from a loss, hurt, damage or theft of their financial resources intended for travel costs during the journey, provided the Insurance claim took place without their effort.

3. Insurance claim is also a non-delivery or a late delivery of luggage by a transport company which was handed in by the Insured when setting out on the journey from the Slovak Republic to abroad or when changing means of transport abroad, except for cases when luggage was foreclosed by Customs or other state body. Late delivery of luggage by a transport company on the way back from abroad to the Slovak Republic is not considered to be the Insurance claim.

4. Insurance is stipulated in case of: a) harm or damage of item by a natural

disaster; b) harm or damage of item by water

escaping from damaged water pipe;

c) harm, damage, theft or loss of items during traffic accident. The right to indemnity arises only due to traffic accident which was attended by the Insured. However, insurance covers loss of items only if the Insured was not able to take care about them due to suffering an injury during the accident (a medical report has to be enclosed);

d) harm, damage, theft or loss of items after injury of the Insured (a medical report has to be enclosed);

e) harm, damage, theft or loss of Insured items which took place in a period during which the items were in charge of a transporter (provided receipt was received by the Insured) or they were placed into a space determined for common transport of baggage;

f) harm, damage, theft or loss of Insured items in a period when they were handed in a left-luggage and left-luggage receipt was received by the Insured;

g) robbery, if it has been reported to the police and the Policy holder / the Insured submits a police report. Robbery is a theft of items accompanied by offender´s provable violence or threat of violence against the Insured or abuse of sudden physical or mental distress of the Insured. Use of narcotics, paralyzing or similar substances by the offender has to be proven.

h) burglary; the right to indemnity arises only if the insured item was stolen and the offender had to provably overcome obstacles protecting insured items against burglary, only within the premises where the Insured was accommodated. Burglary with obstacles overcoming is considered an items seizure against their holder´s will, provided they were: - individually protected against

burglary or - stolen by forced entry into locked

premises by breaking in. Burglary with obstacles overcoming is not considered:

- items seizure from a tent, caravan or similar means of transport having unsteady walls or ceilings from tarpaulins, etc., and also if the tent, caravan or similar means of transport were locked;

- cutting of baggage, rucksacks and so on;

- opening of luggage which is secured by a zip, straps, etc.

5. The following items are insured only under the following conditions: a) watch, technical equipment of any type with its attachment (e.g.: photo- graphic, filmmaking, camcorders, laptops, optical

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instruments, entertaining electronics, mobile phones, sports equipment (bicycles, surfs, skis, etc.), musical instruments, if: - the Insured takes care and carries them

personally and oversees them in order to prevent them from burglary without overcoming obstacles by a third person;

- they were handed into accommodation facilities, guarded locker room or a left-luggage;

- they are placed in a confined and locked room and all anti-theft devices are applied (safes, wardrobes and so on);

- they are worn or used according to their determined use.

b) they are handed in transport company deposit:

- technical equipment of any type with its attachment (e.g.: photo- graphic, filmmaking, camcorders, laptops, optical instruments, entertaining electronics, mobile phones, sports equipment (bicycles, surfs, skis, etc.), if they were placed into locked premises or lockers.

Article 5 Insurance protection of an unguarded parked motor vehicle/caravan

1. A vehicle (caravan) for the purposes of these VPP-CP is considered to be a parked and unguarded, if neither the Insured nor entrusted person known by their name was constantly present in a vehicle (caravan). Guarding of open spaces (i.e. a space which is protected by barriers, etc.) for general use is not considered to be guarding.

2. Insurance protection under this part of VPP-CP arises, if: a) items are enclosed in a metal, hard

plastic or glass package, and are placed in a lockable inner or luggage space and all anti-theft devices were applied. The items have to be stored in a luggage compartment, if it exists and items deposit is available, otherwise they have to be stored in a way which makes them invisible from the outside;

b) items are stored in a locked locker made of metal or hard plastic which is assembled on a vehicle or they are placed in a locked roof rack which can- not be disassembled without violence (a wire lock is not sufficient enough);

c) items deposit in accommodation premises or in a left-luggage is not possible or suitable, a vehicle (caravan) has not been provably parked for longer than 12 hours and one of the listed prerequisites stated in (2) a.) and (2) b.) was fulfilled.

3. Travel luggage transported on a two-wheeled vehicle has to be placed in a

confined and locked lockers made of a metal or hard plastic which cannot be opened or disassembled without violence. Other provisions in (1) and (2) shall apply accordingly.

4. Insurance protection of an unguarded parked vehicle (caravan) does not apply to technical equipment of any type with its attachment (e.g.: photographic, filmmaking, camcorders, laptops, optical instruments, entertaining electronics, mobile phones, sports equipment (bicycles, surfs, skis, etc.), jewelry, watch and fur coats.

Article 6 Indemnity

1. If indemnity right for the Insurance claim during which luggage was stolen, harmed, lost or damaged originated, the Insurer shall be obliged to pay out to the Insured the amount equaling to the price which the stolen, harmed, lost or damaged item was worth immediately before the Insurance claim (a present value) decreased by the value of potential remains of the stolen, harmed, lost or damaged item. Total amount of indemnity of the Insurer is limited by the sum Insured stipulated in the insurance policy as a maximum indemnity for the Insurance claim.

2. The Insurer settles costs for obtaining replacement travel documents abroad of the Insured and travel costs of the Insured to the closest residence of the Slovak Republic embassy, which issues replacement travel documents to the Insured.

3. The Insurer settles costs, arising from luggage late delivery by a transport company, which the Insured spent in order to buy necessary clothes and toiletries.

4. If the Insured suffers from financial distress during the journey under Article 4 (2) of this part of VPP-CP:

a) the Insurer arranges contact between the Insured and their home bank, it is likewise helpful with delivery/transfer of financial resources provided from their home bank and settles financial resources transfer costs;

b) if it is not possible to contact their home bank within 24 hours, the Insurer provides an advance to the Insured up to stipulated sum for such case and settles transfer costs. The advance is provided only against a letter of acceptance and obligation repayment to the Insurer.

Article 7 Sum Insured The Sum Insured is set out in respective OPP-CP and represents the upper limit of indemnity for one

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Insurance claim, unless stipulated otherwise in the insurance policy. Article 8 Insurance claim duties of the Insured

1. The Insured shall be obliged: a) to avoid occurrence of the Insurance claim to

the best of their abilities, not to break rules and contractual obligations leading to the Insurance claim prevention or decrease of risk of its origin;

b) to submit all explanations to the Insurer, to cooperate on the search of causes and extent of the Insurance claim and submit all required documents;

c) to report immediately luggage robbery or robbery with violence to the police body, if the luggage has been stolen and to require a notice certificate;

d) to seek immediately medical attention and to require respective medical report, if an accident took place at the same time with a personal use item damage of the Insured which will require indemnity of the Insurer. In case of police search of an accident, police report is needed;

e) to announce to the Insurer, if the lost or stolen item was found after announcement of the Insurance claim or paying out of indemnity no later than within 5 days after the item finding and in such case, to return immediately indemnity in its total amount to the Insurer;

f) to return an advance in its total amount to the Insurer no later than within 2 weeks after arrival from the journey or within 2 months after the advance was obtained in case of an advance provision under Article 6 (4) of this part of VPP-CP.

Article 9 Exclusions

1. Apart from exclusions stipulated in the Part I, Article 9 of these VPP-CP, the insurance does not also cover: a) money, chegues, stamps and vouchers,

bankbooks, payment cards, bonds, shares, deposit slips and similar stocks and shares, travel tickets, flight tickets and other documents, cards and documents of any kind , and also costs arising from obtaining of replacement documents, except for travel documents in line with these VPP-CP;

b) collector´s items, jewelry, fur coats, antiquities, artistic and historical valuables and other valuables;

c) vehicles, caravans, motorcycles, mopeds, mini tractors and similar means of transport with their own drive, airplanes, hang-gliders, boats, and

watercrafts and so on, including their accessories;

d) items necessary for occupation /gainful employment performance, if it was not stipulated otherwise in the insurance policy;

e) animals; f) records on video and sound recorders or

other information and control systems; g) weapons, if it was not stipulated

otherwise in the insurance contract.

2. The Insurer is not obliged to provide indemnity in cases when the Insurance claim originated: a) due to items leaving in public means of

transport, on motorboats, surfs, bicycles, skis and in flying means of transport during absence of the Insured;

b) due to item damage or harm caused by material failure, fatigue and inappropriate transport or package.

Article 10 Documents required for indemnity payment

1. Before indemnity is paid out, the Insured shall be obliged to submit to the Insurer the following documents: - filled in “Notice of Insurance claim” form; - document stating manner of obstacles

overcoming which protected items against robbery with a list of items which were stolen, harmed, lost or damaged - a police record. Costs arising from police record or search results obtaining are settled by the Insured;

- confirmation document of the organization responsible for a loss (accommodation facility, hotel, etc.);

- confirmation document of the transport company on item transportation and its harm, damage or loss;

- Insurance claim circumstances document (e.g.: photographs), if possible, depending on a situation;

- original document confirming a purchase of a suitcase or a travel bag (a slip is not acceptable).

2. If the Insured requires settling of costs under Article 1 (1) (b) of this part of VPP- CP, they are obliged to submit the following documents to the Insurer, before the indemnity is paid out: - travel tickets from the abroad destination

of the Insured to the Slovak Republic embassy residence which issued replacement travel document;

- document confirming settling of costs for replacement travel document issuance;

- filled in “Notice of Insurance claim” form.

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3. If the Insured requires indemnity under Article 1 (1) (c) of this part of VPP-CP, the Insured is obliged to submit the following documents to the Insurer, before indemnity is paid out: - -a transport company document

confirming receipt and non-delivery or late delivery of the baggage;

- -a receipt of purchase of necessary toiletries and clothes;

- -filled in “Notice of Insurance claim” form. Part VI. Cancellation fee insurance, journey interruption insurance and means of transport missing and delayed arrival to the homeland insurance A. Cancellation fee insurance, journey interruption insurance Article 1 Subject-matter and Scope of Insurance

1. Subject-matter of the insurance is a tour or other travel voucher (train or bus travel ticket, flight ticket, boat ticket or hotel stay, etc.).

2. The scope of insurance shall be agreed in the insurance policy.

Article 2 Time Scope of the Insurance Validity

1. The insurance protection of cancellation fee insurance commences by taking out an insurance and premium payment, and finishes by setting out on the journey.

2. The insurance protection of interruption journey insurance commences by setting out on the journey and finishes by reserved end of the journey or earlier expiration of the insurance.

3. The insurance protection of journeys which has been reserved before taking out an insurance and premium payment

commences on the 10th day after taking out insurance and premium payment (with the exception of death or a natural disaster under Article 3 of this part of VPP-CP).

Article 3 Insurance claim

1. The Insurance claim takes place, if it is not possible to set out on the journey or the journey had to be interrupted due to some of the following reason: a) serious acute illness or serious acute

accident of the Insured which required medical specialist treatment;

b) death of the Insured; c) death of a relative of the Insured;

d) hospitalization of the Insured due to illness or accident or serious illness of a relative of the Insured, if immediate danger of life takes place;

e) rape of the Insured; f) pregnancy of the Insured which was

found out after reservation of the journey; If the pregnancy was found out before journey reservation, taking over of costs for cancellation takes place only if serious pregnancy complications emerge, and they have to be medically proven;

g) robbery or breaking-into a place of stay or seat of a company, which is owned by the Insured, if the Insured proves that as a result they cannot set out on the journey or have to interrupt the journey;

h) extensive material damage of property of the Insured or in their permanent residence due to a natural disaster (fire, flood, etc.), if the Insured proves that as a result they cannot set out on the journey or have to interrupt the journey;

i) if presence of the Insured on the tour is made impossible or the journey has to be interrupted due to provably increased danger of emergence of state of war, natural disasters, etc. in the destination where the Insured was supposed to travel (the Ministry of Foreign Affairs of the Slovak Republic official recommendation against travelling to the particular country is needed).

Article 4 Indemnity In case of origin of the Insurance claim, the Insurer shall be obliged to provide indemnity to the Insured amounting to necessary costs which the Insured had to pay in order to cancel or interrupt the journey under Article 1 of this part of VPP-CP in line with prerequisites stipulated in these VPP-CP and OPP-CP, unless provided for otherwise in the insurance policy.

1. In cases when more insurance policies have been settled for the same period and for the same risk with the Insurer, he is obliged to provide indemnity only from one insurance amounting to a maximum of the sum insured.

2. Within short-term travel insurance, the Insurance claim is valid for the Insured, their equally Insured dependents – fellow-passengers and for no more than three other equally Insured persons.

3. Within annual travel insurance, the Insurance claim is valid for all equally Insured fellow-passengers, listed in the insurance policy by their names.

4. Equally Insured is a person who is equally as the Insured by the Insurer for the Insurance claim under Article 3 (1) which has arisen.

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5. The Insurer compensates the Insured within the given sum Insured after subtracting of possible settled deductible: a) when surrendering the journey, those

cancellation fee costs which arise due to cancellation of the journey at the time of origin of the Insurance claim;

b) when cancelling the journey - paid and unused services (without return

ticket); - additional travel costs caused by the

early return.

Additional travel costs represent costs which arise because of unsuitability or partial unsuitability of the reserved travel tickets or other travel vouchers. When providing return journey costs, the Insurer takes into consideration quality: type and class of the reserved means of transport. If the journey is interrupted due to reasons stated in Article 3 (1) (i) of this part of VPP-CP, only additional travel costs caused by the return journey will be settled. Article 5 Exclusions

1. The Insurance claim does not take place: a) if reasons for cancellation or

interruption of the journey are of health, pregnancy complication nature, and these complications were known to the Insured at the time of the tour or travel voucher purchase;

b) if reasons for cancellation or interruption of the journey are connected with worsening of chronic or existing illness of the Insured;

c) if reason for cancellation or interruption of the journey is connected with one of the following illnesses/ treatments of the Insured: mental illness, dialysis, organs transplantation, AIDS, schizophrenia;

d) if reason for cancellation or interruption of the journey : - is connected with one of the

following illnesses of the Insured persons which required hospitalization due to: heart disease, brain stroke, oncological diseases, diabetes (type 1), epilepsy and multiple sclerosis within last 12 months before setting out on the journey;

- emerged or foreseeable when taking out the insurance.

e) if the travel agency surrenders the travel contract.

2. Indemnity claim for cancellation insurance

does not also arise in case a medical specialist/inspection doctor appointed by the Insurer does not confirm travel incapability.

3. Indemnity claim for cancellation insurance does not also arise in case the Insured cancels the journey or the tour and at the same time reports to the travel agency that he/she will be replaced on the tour by other person (a substitute).

Article 6 Insurance claim duties of the Insured

1. If the Insurance claim takes place, the Insured is obliged: a) to immediately cancel journey

reservation in a place where it has been re- served, after taking place of the Insurance claim, in order to decrease cancellation costs to the minimum;

b) to immediately, in a written form, inform the Insurer about the Insurance claim. Cancellation reasons, confirmation of reservation and document confirming the insurance have to be enclosed;

c) to free all attending physicians from duty to maintain confidentiality, if it is necessary for a loss determination;

d) to enclose to a written loss report also a detailed medical certificate / report when incapable to travel due to health problems;

e) to have issued a respective medical report by a local physician (see Article 3 (1) a.), d.), f.) of this part of VPP-CP), if the journey has to be interrupted due to health problems;

f) to have oneself examined by an appointed medical specialist / inspection doctor, if required by the Insurer.

Article 7 Documents required for indemnity payment The Insured is obliged to submit the following documents to the Insurer before indemnity payment:

- filled in “Notice of Insurance claim” form; - a document confirming tour price

payment; - a document of the policy holder

confirming tour cancellation with a marked date of cancellation;

- a document of the respective travel agency confirming amount of required cancellation fees;

- a copy of Contract on the tour purchase, or other document confirming the tour purchase;

- a medical report including expected date of end of treatment or death certificate, or a medical report about the prescribed medication;

- the rest of body of evidence which proves cause and amount of indemnity claim (e.g.: pregnancy book, draft notice,

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summons, school-leaving certificate and death certificate);

- a police report, if the cause of the Insurance claim is different from health reasons, or

- documents confirming origin of other Insurance claim which prevent the Insured from cancellation of the planned journey or tour, unused travel tickets and accommodation vouchers.

B. Means of transport missing and delayed arrival to the homeland insurance Article 1 Accidental means of transport missing when departing

1. Insurance claim The Insurance claim takes place, if arrival of the Insured at the departure place of means of transport is provably late due to the bellow-mentioned reasons and thus missing of the reserved departure takes place: a) an accident or a traffic accident of the

Insured; b) technical breakdown of chosen public means

of transport; c) delay of chosen public means of transport

State of facts should be confirmed by the airlines or the respective transport company.

2. Indemnity Necessary and proven travel costs to other departure place of transport means and as well possible additional costs for necessary overnight stay and board will be settled to the sum stipulated under respective OPP-CP.

Article 2 Delayed arrival to the homeland

1. Insurance claim The Insurance claim takes place if the planned arrival to the home station/airport is provably late and thus the return journey from a station/airport to the permanent residence according to original plan without overnight stay or this journey is not possible. 2. Indemnity Necessary costs spent on a taxi or instead of that any other necessary and provable additional costs for necessary overnight stay and board will be settled to the amount of the sum Insured.

Part VII Third Party Liability Insurance

Article 1 Subject-matter and Scope of Insurance

1. The insurance is taken out in case of liability of the Insured stipulated by legal regulations

for a loss which was caused to other person´s life, health or by harm or damage of an item which is owned or possessed by this person.

2. Prerequisite of the indemnity right origination is a simultaneous fulfilment of the following conditions: life or health loss or harm or damage of item of other person than the Insured, took place during period of insurance in connection with the action mentioned in Article 1 (3) of this part of VPP-CP, on a territory stipulated by the insurance policy.

3. The insurance covers liability of the Insured for a loss caused by:

a) an action carried out in ordinary civil life;

b) a hiking; c) ownership or use of bicycles; d) sport actions performance, use of

sport equipment owned by the Insured.

4. The scope of insurance shall be agreed in the insurance policy.

Article 2 Loss event The loss event for purposes of these VPP-CP is an event reported by the Insured (accident, death, illness, harm or damage of other person´s item), which took place during insurance period and which originated in connection with carrying out of the insured activity of the Insured stipulated in Article 1 (3) of this part of VPP-CP and which could be the reason of duty origination of the Insured to provide indemnity under the insurance policy and these VPP-CP. The loss event does not have to be identical with the Insurance claim.Foreign representative of the Insurer shall be immediately informed about the loss event origination. Article 3 Insurance claim

1. The Insurance claim is an accidental loss event with which origination of duty of the Insured to provide indemnity under the insurance policy and this VPP-CP is connected.

2. Several losses which originated due to the same reason are considered as one Insurance claim regardless of the number of injured persons.

Article 4 Sum Insured

1. 1.Indemnity extent of the Insurer according to which he is obliged to settle the loss for the Insured is limited by an extent of loss to which the Insured is liable to the injured.

2. The sum Insured is stipulated in the respective OPP-CP and represents the

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upper limit of indemnity of the Insurer within one Insurance claim, unless stipulated otherwise in the insurance policy.

Article 5 Exclusions

1. Apart from exclusions stipulated in Part I, Article 9 of this VPP-CP, the insurance does not cover liability for loss: a) taken beyond stipulated legal

regulations; b) taken without former consent of the

Insurer or his foreign representative; if the Insured takes responsibility for loss without a consent of the Insurer or his foreign representative, the Insurer has a right to decrease indemnity;

c) caused by possession and/or use of weapons, airplanes, watercrafts, vehicles or caravans;

d) caused within occupation, business or other gainful occupation performance;

e) caused during a right to hunt performance;

f) caused by pollution of environment (water, air, soil, rock, fauna and flora);

g) caused by domestic animals for which the Insured is liable;

h) caused to other person by infectious disease transmission or spread;

i) caused to lent, rented movable property, e.g.: scooters, surfs, bicycles, watercrafts, vehicles, sport equipment, etc.;

j) caused by manual work performance; k) caused by professional and top-level

sport performance during organized sport meetings, competitions and respective competition preparations, unless stipulated otherwise in the insurance policy;

l) caused by hazardous pursuits performance, High-risk sports (group 1 and 2) during leisure, if is not stipulated otherwise in the insurance policy;

m) caused to jewelry or other items having artistic, historical or collector´s value;

n) in such extent as indemnity claim arose from civil liability insurance caused by vehicle operation or from accident insurance which is a part of social insurance under respective legal regulations;

o) originating due to action which has to be according to Slovak legal regulations insured by civil liability insurance.

2. If “Sport” extended coverage is agreed in the insurance policy, insurance

protection shall also include execution of hazardous sports of group 1 if the Insured is not a professional sportsman and sporting activity is not carried out at organized sporting events,

competitions and trainings for them. Hazardous sports of group 2 shall not be insured. 3. Claim events which took place before the

beginning of the insurance are not covered. 4. The Insurer does not settle the claim of the

Insured, which he/she caused to: a) him/herself or b) relatives of the Insured.

Article 6 Duties of the Insured

1. Apart from duties stipulated by legal regulations, these VPP-CP, OPP-CP and the insurance policy, the Policy holder / Insured is obliged: a) to report immediately taking out of another

insurance against the same risk to the Insurer; he/she is also obliged to report name of the other Insurer and amounts of sums Insured to the Insurer;

b) to try to prevent loss event from its origination, his/her task is predominantly to follow all duties stipulated in legal regulations and other binding standards, and cannot break duties leading to prevention or decrease of pending risk and tolerate their breaking from third parties;

c) to carry out necessary measures reducing loss consequences, to require instructions from the Insurer and to act in line with them in order to reduce losses to the minimum, if the loss event has already taken place;

d) to report immediately in a written form loss event origination to the Insurer and to provide necessary cooperation to the Insurer when handling the event;

e) to report to the Insurer that the injured set up claim to indemnity from the loss event against the Insured, to react to the required indemnity and its amount, to commission the Insurer to discuss the loss event in the Insured behalf, to follow Insurer´s instructions during the loss event processing and to submit documents which are required by the Insurer within stipulated period, as a rule, 14 working days;

f) to report immediately to the Insurer that the injured sets up indemnity claim to rightful body;

g) to act during claim proceedings in line with the Insurer´s instructions, predominantly the Insured cannot agree with overdue indemnity claim and judicious settlement without a consent of the Insurer; to appeal in time against verdict of the respective body regarding indemnity claim, if the Insured does not obtain any other instruction from the Insurer during appeal period;

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h) to report immediately to the Insurer that criminal proceedings have commenced due to the loss event and to inform him about course and results of these proceedings;

i) to report immediately to a body active in criminal proceedings, if criminal act suspicion originated due to the claim event;

j) to provide necessary cooperation to the Insurer and to fulfil all duties in order to enable the Insurer to secure a right to indemnity for a claim caused by the Insurance claim from other person.

2. If the Insured or policy holder does not follow any of the duties stipulated in this VPP-CP and this violation fundamentally influenced origination of any loss event or amount of indemnity of the Insurer or made search of legal reason for indemnity, extent or amount of claim difficult, the Insurer can require damages amounting to the sum of paid indemnity from the Insured.

Part VIII Empty household insurance

Empty household insurance is regulated by General insurance terms for a comprehensive housing insurance DOMino 11 (hereinafter only „VPP DOMino 11“), unless stated otherwise in this VPP-CP. The following is stipulated for empty household insurance purposes: Article 1 Inception and end of the insurance Unlike VPP DOMino 11, inception and end of the insurance is determined in the insurance policy under VPP-CP. Article 2 Insurance duration, period of insurance

1. Unlike VPP DOMino 11, the insurance is stipulated for a fixed-term.

2. Period of insurance is stipulated in the insurance policy.

Article 3 Subject-matter of the insurance Subject-matter of the insurance is a permanently inhabited household (under VPP DOMino 11, part C. Special part Household insurance) located in the Slovak Republic territory, in possession of the Insured, determined in the insurance policy, where the Insured resides.

Article 4 Extent of the insurance, indemnity limits Extent of the insurance and indemnity limits for empty household insurance are identical with a standard household insurance and they are stipulated in VPP DOMino, part C, article III. Article 5 Sum Insured

Sum Insured of empty household insurance is set out in respective OPP-CP and represents the upper indemnity limit for all Insurance claims which take place during one period of insurance. Article 6 Flood and deluge risk zone Flood and deluge risk zone for purposes of empty household insurance is set out with indemnity sublimit of 80% of the sum Insured determined by the Insurer (RZ2). Article 7 Assistance services In case of emergency the Insured has a right to assistance services on the basic level, the Insurer secures them through his contract partner. Extent and limits of assistance services are stated in assistance record which is enclosed to the insurance policy. Article 8 Special arrangements For empty household insurance purposes, the following provisions and duties arising from VPP DOMino 11 are omitted:

- A. General part Article IX, item 1, letter. e - B. Special part Real estate insurance. - D. Special part Third party liability

insurance. The other provisions of VPP DOMino 11 not covered by this part of VPP-CP are used for subject-matter of insurance without a change.

Part IX. Automobile assistance insurance

Article 1 Subject-matter of the insurance Subject-matter of the insurance is a more-wheeled vehicle weighing up to 3.5 t, specified in the Insurance policy and owned or possessed by the Insured.

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Article 2 Insurance claim The Insurance claim is an event which causes immobility of the automobile e.g.: failure, accident, robbery (robbery attempt), flat tire, battery depletion, insufficient fuel and/or its exchange. Article 3 Territorial validity The insurance is set out with a territorial validity for Europe geographical area, it also covers Insurance claims which take place in the Slovak Republic territory during insurance validity. Article 4 Indemnity and scope of insurance If an event under Article 2 of this part of VPP-CP takes place, the Insurer is obliged to provide indemnity in the following extent:

1. 1.Telephone information service: a) the closest authorized service search ; b) technical consultation via telephone.

2. Technical assistance: a) organization of repair in the place; the

price of repair, spare parts and fuel is settled by the Insured;

b) organization and settlement of the costs arising from towing of the vehicle to the closest authorized or other suitable service;

c) organization and settlement of the costs arising from vehicle safekeeping(max. 3days).

3. Costs arising from emergency accommodation or transport (if vehicle theft takes place or a vehicle is not repairable within 12 hours): a) organization and settlement of the costs

for emergency vehicle provision (automobile / utility vehicle weighing up to 3,5 t included) up to 5 days; price for fuel is paid by the Insured;

b) or organization and settlement of the costs for accommodation in a hotel of category no higher than *** for a maximum of 5 days;

c) or organization and settlement of the costs for emergency transport to the journey destination or permanent residence of the Insured within the Slovak Republic.

4. Vehicle repatriation costs: - organization and settlement of the costs

for towing the vehicle to the authorized service closest to permanent residence of the Insured within the Slovak Republic in the following cases:

a) if the expected price of the repair abroad amounted to more than EUR1000

b) if the vehicle repair cannot be finished by the end of period of insurance.

5. Costs for collecting of automobile: - in case of using the assistance service

emergency transport to the journey destination or to permanent residence of the Insured in the Slovak Republic (under (3) c.) hereof), organization and settlement of travel costs of one person arising from their collecting of vehicle after repair are paid by the Insurer.

Article 5 Sum Insured The sum Insured is set out in respective OPP-CP and represents the upper indemnity limit for one Insurance claim. Article 6 Duties of the Insured

1. The Insured is obliged to contact an assistance company in order to originate their indemnity claim under Article 4 of this part of VPP-CP, otherwise their indemnity right ceases. If it was not provably possible to contact the assistance company and the Insured secures assistance services individually, the Insured settles costs for these services to the service provider in the place. Assistance company then settles such costs only to the amount which it would pay for identical services carried out by its own providers.

2. When phoning or using any other means of communication with the assistance company in order to require assistance service, the Insured provides the following information: - name and surname or birth certificate

number or number of the insurance policy (if available)

- license plate of automobile - place where the automobile is parked and a

telephone number at which the Insured is reachable

- short decryption of the problem and nature of the required assistance services

- reports all information which will be required by assistance service operator in order to enable the quickest transport of emergency vehicle to the place of assistance event.

If the Insured does not provide required information or provides only partial information which would not allow assistance company to check their indemnity claim or provide assistance service according to the extent of insurance policy, the assistance company carries out necessary steps to remove reasons which prevents the Insured from continuation of the journey, however costs arising from use of such services are settled by the Insured. Their costs will be settled by the Insurer, only after verification of

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assistance services claim of the Insured of the full extent. Article 7 Exclusions Apart from exclusions stipulated in the Part I, Article 9 of this VPP-CP, indemnity claim does not cover:

a) a vehicle which was driven by a person who is not a holder of a valid driving license issued by the respective body;

b) any loss which originated in the moment when unwarranted high number of passengers were seated in the vehicle or it was weighted above the limit deter- mined by the producer;

c) a vehicle which was at the moment of setting out on the journey in unroadworthy state and/or did not pass scheduled service maintenance according to producer´s instructions;

d) losses caused due to use of vehicle for motor race of any type.

Part X Assistance above-standard services

Article 1

Insurance claim

The Insurance claim takes place, if the Insured is facing imprisonment or has been imprisoned in abroad. Abroad is, for purposes of this part of VPP-CP, not considered the Slovak Republic and the country where the Insured has their permanent residence. The Insurer provides assistance services (indemnity) on the basis of requirement of the Insured. Article 2 Indemnity and scope of insurance The Insurer or his foreign representative provides to the Insured:

a) help with securing of a lawyer and as well an interpreter (service costs of lawyer and interpreter are settled by the Insured);

b) an advance for a lawyer or a bail amounting to the sum in the form of interest-free loan which is stipulated, has to be settled within 30 days after the day when the advance was obtained.

Article 3 Sum Insured The sum Insured is set out in respective OPP-CP and represents the upper indemnity limit for one Insurance claim. Article 4 Duties of the Insured The Insured is obliged:

a) to submit to the foreign representative of the Insurer or the Insurer document confirming bail settlement or confirmation of their lawyer, no later than within 3 days after obtaining cash;

b) to return the advance under Article 2 (b) of this part of VPP-CP in its total amount to the Insurer, or his foreign representative within 30days since the day when the advance was obtained;

c) if the Insured does not fulfil their duty under a) hereof, the Insurer or his foreign representative can require settlement of the whole loan within 3 days after the day when the Insurer was under a) obliged to submit con- firming documents.

Final provisions These General Insurance Terms and Conditions for Travel Insurance represent inseparable part of the insurance policy.