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					                                           TERMS OF INSURANCE


DEFINITIONS
Insurance: the Insurance contract;
Policy: the document giving evidence of the effected Insurance;
Contractor: DAN EUROPE;
Insurers: CHUBB INSURANCE COMPANY OF EUROPE S.A.; INTER PARTNER ASSISTANCE S.A. (International
AXA ASSISTANCE group)
Bodily Injury: any unintentional bodily injury to the Insured arising out of and directly caused by a sudden
accidental, violent and external event occurring during the Insured’s period of travel;
Medical Center: the 24 h organization, which on the Insured’s application supplies the medical services
specified in the policy;
Insured: all the insured persons to DAN EUROPE in possession of an individual or family Membership
certificate;
Family Member: the spouse (or common-law partner) of the Insured (but excluding those legally
separated) and/or under aged children including children who are 18 to 24 years old, provided always that
such children are residing within the Insured’s household, are dependent on him for support and are
continuing in full-time education.;
Recipient: the Insured is entitled to the benefit of the policy for any event other than death, in which case
the recipients will be legal or testamentary heirs;
Complicated Pregnancy: is any condition as inpatient in a hospital for illness not connected with
pregnancy, however, adversely affected by conception and/or caused by pregnancy. They are nephritis,
nephropathy, heart decompensation, threatened abortion and any other medical and surgical conditions of
equivalent or severer nature. Complicated pregnancy also means the unintentional cesarean section,
extrauterine pregnancy and spontaneous abortion. The complicated pregnancy does not include
neurovegetative phenomena in the first 3-month period, hyperemesis gravidarum, preeclampsia and those
conditions associated with a complicated pregnancy, which however do not represent any complicated
nosology independent of pregnancy;
Abroad: any place worldwide out of the home country borders;
Dependant: the Insured’s family members with extension to children, brothers, mother- and father-in-law,
son-in-law, daughter-in-law or parents;
Inpatient Services: hospital accommodation at a medical institution;
Medical Institution: government hospital, clinic or nursing home, both private or with an agreement with
the National Healthcare System, legally licensed for admittance of ill persons. Spa, sanatorium and/or similar
institution is excluded.
Illness: any sudden, no accident-related alteration of the health status occurring during the Insured’s period
of travel , which can be clinically and objectively proved;
Sudden/Unforeseen Illness: any acute illness unknown to the Insured, which, even if sudden or
unforeseen, cannot be related to pre-existing medical conditions known to the Insured;
Pre-Existing Illness: any illness resulting from or directly connected with any chronic or pre-existing
medical conditions;
Physician: a legally licensed medical practitioner. The physician cannot be the Insured or a person who is a
relative to the Insured.


ACCIDENT COVERAGE – CHUBB Insurance Company of Europe S.A.

Coverage is provided for a diver, with or without breathing apparatus, who practises the activity:
– as a sport, of underwater and training practice in general;
- professionally, including as instructor, assistant instructor or underwater guide holding a licence, including
tests and research in the field of medicine and science.
Also included is Recreational Technical Diving, defined as follows: dives conducted with the use of variable
breathing gas mixtures (Nitrogen-Helium-Oxygen a.k.a. "Trimix" - Helium-Oxygen a.k.a. "Heliox"), to
depths greater than 50 meters but not exceeding 130 meters and with gas partial pressures of not greater
than 1,4 ATA Oxygen and 3,95 ATA Nitrogen in the breathing mixture, and provided that any other relevant
local laws and regulations are respected. Depths greater than 130 meters will be included only if
prior written authorisation for each specific dive is obtained from DAN Europe.
Not considered as Recreational Technical Diving and included in the general definition of the previous 2
points of this article are: compressed air diving in any form; enriched air "nitrox" diving, with fixed gas


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percentages, be it with an open circuit system or with a "rebreather"; the use of oxygen enriched air or of
oxygen to maximize decompression safety; the use of normoxic "Trimix" mixtures at depths less than 50
meters to minimize the narcotic effects of compressed air.
Coverage is valid for the direct and sole consequences of accidents occurring during the period of time
between boarding the immersion craft or boat, or the start of putting on the equipment on land until landing,
or the end of removing all the equipment on land, it is operational all over the world, is extended to
photography and fishing competitions and also includes injury in a swimming pool, provided it is related to
skin-diving activities. No medical examination is required for issue of coverage.
Coverage is valid for citizens of or residents in Europe and for citizens of or residents in the countries
pertaining to Dan Europe: Geographical Europe, the Countries of the Mediterranean Basin, the Countries on
the shores of the Red Sea, the Middle East including the Persian Gulf, the Countries on the shores of the
Indian Ocean north of the Equator, including Kenya, Tanzania and Zanzibar, as well as the related overseas
territories, districts and protectorates.
In the event of an accident indemnifiable under the terms of the Policy:
A) The Insurance Company, as long as DAN Europe had been alerted in advance and had directly
managed the assistance, assumes the total cover of the sustained costs directly resulting from diving
injuries
– for reimbursements of the costs of hospitalisation, for hyperbaric treatment, including coverage of the
costs of emergency transport, by any means, from the place of the accident to the first aid post and/or the
treatment institution;
– for covering the costs of first aid, extra hotel expenses for obligatory confinement ordered by the doctor in
charge when this is made necessary by the impossibility of hospitalisation, medical repatriation of the
convalescent;
- for extra hotel expenses and/or airline tickets due to the forced extension of the travel programme,
resulting from an indemnifiable accident.

B) In the event that DAN has not been previously alerted and has not directly managed the
assistance, the Company, following presentation of the requested documentation, reimburses up to an
annual maximum insured sum of:

€ 31,000,00 (BASIC MEMBERSHIP – BASIC PROFESSIONAL)
€ 62,000,00 (MASTER MEMBERSHIP – SUPER MEMBERSHIP - MASTER PROFESSIONAL – SUPER
PROFESSIONAL)
directly accident-related expenses incurred:
– for reimbursements of the costs of hospitalisation, for hyperbaric treatment, including coverage of the
costs of emergency transport, by any means, from the place of the accident to the first aid post and/or the
treatment institution;
– for covering the costs of first aid, extra hotel expenses for obligatory confinement ordered by the doctor in
charge when this is made necessary by the impossibility of hospitalisation, medical repatriation of the
convalescent;
– for extra hotel expenses and/or airline tickets due to the forced extension of the travel programme,
resulting from an indemnifiable accident, with a limit for each year and event of:

€ 2.100,00 (BASIC MEMBERSHIP – BASIC PROFESSIONAL)
€ 4.200,00 (MASTER MEMBERSHIP – SUPER MEMBERSHIP - MASTER PROFESSIONAL – SUPER
PROFESSIONAL)
In this connection it is specified that “extra hotel expenses” means solely and exclusively room and meals
(excluding drinks) and telephone calls to DAN or to the Operations Centre, provided they are supported by
written documentary evidence in the original;

C) In all cases, irrespective of the fact that DAN had been alerted and directly managed the assistance, the
insurance company reimburses:
– for specialist medical expenses related to the treatment of the indemnifiable accident with a limit per year
and event of:
€ 1.600,00 (BASIC MEMBERSHIP – BASIC PROFESSIONAL)
€ 3.200,00 (MASTER MEMBERSHIP – SUPER MEMBERSHIP - MASTER PROFESSIONAL – SUPER
PROFESSIONAL)
– for the loss of scuba diving equipment of the victim due to force majeure and solely following an
indemnifiable accident that involved urgent transport or hospitalisation of the insured person, with a
maximum amount of:


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€ 1.000,00 (BASIC MEMBERSHIP – BASIC PROFESSIONAL)
€ 2.000,00 (MASTER MEMBERSHIP – SUPER MEMBERSHIP - MASTER PROFESSIONAL – SUPER
PROFESSIONAL)
Coverage is also valid for a capital amount up to:
€ 5.500,00 ( all the options) for search and recovery of individuals lost in water (cave-diving is
excluded) , as well as, in the case of Permanent Disability:
€ 10.000,00 (BASIC MEMBERSHIP – BASIC PROFESSIONAL)
€ 100.000,00 (MASTER MEMBERSHIP — MASTER PROFESSIONAL)
€ 200.000,00 (SUPER MEMBERSHIP - SUPER PROFESSIONAL)
and for daily allowance in the event of confinement in a hospital or nursing home necessitated by an
indemnifiable accident:
€ 55,00 (SUPER MEMBERSHIP - SUPER PROFESSIONAL)

It is specified that, if the Insured enjoys benefits similar to those provided for in this policy, with the
exception of cover for permanent disability, this insurance cover will become supplementary and the
Company is therefore only obliged to reimburse any excess up to the amount of the maximum sum insured.
The Company will take action in Italy and reimbursement will be made to the entitled persons in Euro.


Definition of accident and subject of the insurance
Considering that an accident is considered to be an event due to an accidental violent and external cause
that causes objectively ascertainable physical injuries, the direct and sole consequence of which being one or
more of the cases foreseen by this policy, the insurance is only valid for accidents suffered by the insured
person while carrying out underwater activities as described below.
The following are considered to be accidents:
1) barotraumata and decompression pathologies;
2) asphyxia of non-pathological origin;
3) acute poisoning caused by the ingestion or absorption of substances;
4) drowning;
5) exposure or frostbite;
6) sunstroke or heatstroke;
7) injuries and traumata in general, provided they are the result of an accident.
If the Insured Person is not physically unimpaired and healthy at the time of the accident only the
consequences that would have in any case occurred if the accident had happened to a physically unimpaired
and healthy person are indemnifiable.

Exclusions
Accidents arising from the following causes are excluded from this insurance:
a) the use and driving of means of underwater transport as well as their use as a crew member, except for
     so-called underwater “Scooters” for individual use;
b) state of acute alcoholic intoxication;
c) abuse of psychotropic drugs, use of narcotic or hallucinogenic drugs;
d) surgical operations, medical treatment or tests not necessitated by an accident;
e) malicious crimes committed or attempted by the Insured Person, including suicide;
f) events directly related to a state of declared or undeclared war, civil war, insurrections of a general
     nature;
g) voluntary enlistment, recalling for mobilisation and for reasons of an exceptional nature;
h) nuclear transformation or energy settlement, natural or provoked, and by acceleration of atomic
     particles;
i) professional coral fishing, record breaking attempts of any type
j) technical dives differing from those described in Article “Accident Coverage”
k) pathological situations existing prior to the date of occurrence of the accident;
l)pregnancy of the insured person and its consequences;
m)medical treatment given by a relative;
Beauty treatments, vaccinations and related complications and care given by chiropractors or osteopaths are
excluded.
Lastly, myocardial infarction and its consequences, hernias and the breaking of subcutaneous tendons are
also excluded.




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Non-insurable persons – Age limits
The coverage is not valid for persons suffering from alcoholism, drug addiction or from the following
infirmities: schizophrenia, encephalopathies, organic brain syndromes and manic – depressive and paranoid
forms and the insurance ceases the day before one of the aforementioned conditions appears.
Cover is understood to be provided without age limits: nevertheless, starting from the annual expiry date
immediately after reaching the 75th year of age, the insurance may be renewed by special agreement
subject to submission of a medical certificate of diving fitness 30 days before the expiry date.


Permanent Invalidity
If the accident results in definitive Permanent Disability, the company pays on that account an indemnity
calculated on the sum insured for that cover, in accordance with the table shown below in the policy. The
degree of permanent disability is established at the time the conditions of the insured person are considered
permanently unchangeable.

Table of Serious Permanent Disabilities

a)   total loss (anatomical or functional) of sight or of one or more limbs or of an eye and of a limb    100%
b)   total loss (anatomical or functional)of an eye or of a limb 50%
c)   total loss of the voice or complete deafness in both ears 100%
d)   total loss (anatomical or functional)of a shoulder, an elbow, a hip, a knee, an ankle or a wrist     20%
e)   complete deafness in one ear        15%
f)   total loss (anatomical or functional) of:
     – a thumb 15%
     – an index finger 10%
     – any other finger of the hand or a big toe           3%
     – any other toe      1%

100% in the case of:
Loss of both hands or both feet
Loss of a hand and a foot
Loss of the sight of both eyes
Total loss of the sight of one eye and loss of a hand or a foot.
50% in the case of:
Loss of a hand or a foot
Total loss of the sight of one eye.
Loss of a hand or a foot is understood to mean their anatomical loss at or above the wrist or the ankle. Loss
of the sight of one or both eyes is understood to mean the irrecoverable loss of that faculty. If, as a result of
accident, the Insured Person suffers even more than one of the abovementioned injuries, the Company only
indemnifies the one for which the greater indemnity is foreseen.

Report of accident – Related obligations– Proof
Every report must be made by the insured person or by the entitled persons within ten days of the date of
the event; in case of death notice must be given by fax or telegram within the two days following the date of
the event or the date on which the persons concerned learned about it, without prejudice to the time limits
established by Law.
The person claiming compensation must prove the existence of all his or her elements of entitlement and
must also permit the enquiries and investigations deemed necessary by the Company, to this end releasing
the doctors who examined and treated the Insured Person from professional secrecy. The victim must submit
to the medical treatment prescribed suited for the elimination or reduction of the corporal or material injury
suffered, on pain of total or partial loss of right to compensation. The Company has the right to request any
medical (and other) documentation related to the event.

Territorial jurisdiction
For any dispute arising from the execution or interpretation of this contract or strictly related to it, the Court
where the Management of the Company is based shall have territorial jurisdiction.




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Repatriation of the Insured Person
In the event of hospitalisation of the Insured Person abroad following an indemnifiable accident and the
person’s discharge with the need to return home by medical transport, depending on the clinical condition of
the Insured Person and in the unquestionable opinion of the doctor in charge and subject to the consent of
the Contracting party, transport will be done by the least costly means of transport among:
– medical aeroplane
– ambulance
– airliner
– sleeping car
– 1st class sleeping berth
– other means deemed suitable.

Hospital per day for accident (SUPER MEMBERSHIP – SUPER PROFESSIONAL )
Following an accident, the Company pays the Insured Person a per day of € 55,00 in the case of detainment
in a hospital or nursing home, for a maximum period of 180 days for each insurance year. Detainment is
understood to mean a stay of at least 24 consecutive hours in the treatment institution. The Company shall
make the payment on submission of a medical certificate issued by the hospital or nursing home showing a
description of the accident, its causes and the duration of the hospitalisation. The Company shall make
payment regardless of any other compensation to which the Insured Person may be entitled.

DAN TRAVEL ASSIST

Scope of the policy
This policy is a contract between Chubb Insurance Company of Europe S.A. and the Contractor of the policy.
The policy does cover the Contractor’s Insured members according to the terms and conditions of the
contract.
The benefits of the guarantees lodged by the Insurers shall apply to Insured’s journeys starting at not less
than 80 km from the Insured’s home (please, note that the address you supply Dan Europe with in your
application/renewal form is considered for all intents and purposes as your declared place of residence).
The policy does cover any journey to any place from the time the Insured is leaving home until the time
when he(she) is back, whichever is the earlier event. This period may be construed as Insured Journey. The
coverage shall be effective anywhere worldwide and apply to the whole period of the Insured Journey,
provided the event occurs at not less than 80 km from home. Any travel between home and the working
place shall not be construed as an Insured Journey for the purpose of this policy. Save to any underwater
activity, the policy does not cover people performing a job activity mainly outside, viz. delivery services,
door-to-door sale, etc.


SUMMARY OF THE MEDICAL CARE COVERS

Cover
Here below there is a list of the services rendered by the Assistance Centre on behalf of Chubb Insurance
Company of Europe S.A. in case of accident or sudden and unforeseen illness that has occurred or has
manifested itself during the Insured’s period of travel. The services shall be rendered using the means and
treatments that best suit the Insured’s medical conditions.

MEDICAL CARE
Art. 1) In the event of an indemnifiable accident, according to this policy, only in the event that DAN
Europe had been alerted in advance and had directly managed the assistance, the insurance
company assumes the total cover of the sustained costs directly resulting from:

a) Transportation to a medical centre
If the Insured needs be transported to a Hospital because of an accident or a sudden/unforeseen illness,
the Emergency Assistance Centre shall take care of the Member’s transportation to the nearest medical
center where appropriate care and facilities are available. The Medical Unit within the Emergency
Assistance Centre shall at its discretion select the less costly transportation means that best suits the
medical conditions of the Insured among air ambulance, passenger aircraft, sleeping car, 1st class
sleeping berth, ambulance or any other suitable means. If so decided by the physician of the Medical Unit,
the Insured shall be assisted en route by physicians and/or nurses.
b) Repatriation


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If the Insured is admitted to a hospital abroad because of an accident or a not pre-existing illness and then
discharged needing a medical transportation to go back home, the Emergency Assistance Centre shall take
care of the repatriation and at the discretion of the Medical Unit of the Emergency Assistance Centre select
the less costly transportation means that best suits the medical conditions of the Insured among
- air ambulance
- local ambulance
- passenger aircraft
- sleeping car
- 1st class sleeping berth
- any other suitable means.
If so required, the Insured shall be assisted en route by physicians and/or nurses.
c) Repatriation of the deceased
If the Insured dies outside his home country, the Emergency Assistance Centre shall on behalf of the
Insurers take care of the transportation of the mortal remains from the place of death to the place of
burial. The expenses for the governmental permits, the cremation (if authorized) and the special container
for the body transportation to the place of residence shall be included. The costs for the funeral honours
shall be excluded.


NOTE: Services not directly supplied by DAN Travel Assist will not reimbursed. Only in exceptional cases,
where DAN, for justified reasons of impossibility or ‘force majeur’, had not immediately been alerted or put in
the position of directly managing the assistance, the Insurance Company, following presentation of the
requested documentation, will, if justified, evaluate the possibility of reimbursing the costs incurred up to a
annual maximum of € 50.000,00.


Art. 2) Delivery of key drugs
The Emergency Assistance Centre shall do its best for the delivery of locally unavailable spectacles and
transportation, where required, of drugs needed by the Member for the continuation of a medical treatment,
provided such drugs or equivalent are not available locally. In any case, the costs for the spectacles and the
drugs shall be at the Member’s charge.
Art. 3) Advance of medical expenses not included in the cover under “Medical expenses”
In the event the Member is admitted to the hospital during the period of the Insured Journey, the Emergency
Assistance Centre shall pay in advance a maximum amount of € 5.000,00 for the admittance to or
discharge from the hospital.
To obtain the advance money, the Member shall be requested to provide a financial guarantee corresponding
to the advance amount.
Art. 4) Medical monitoring
The Emergency Assistance Centre contacted by a Member or a Family Member for assistance shall
immediately contact the local medical staff to have clear-cut information on the medical conditions of the
Member or the Family Member. Trained physicians shall remain in contact with the local medical staff either
by phone or in writing in order to provide any information to the Member, the Family Member or the
employer until discharge from the hospital or repatriation to the place of residence.

TRAVEL ASSISTANCE
Art. 1) Fares for a family member or a friend
In the event the Insured is admitted to a hospital during the period of the Insured Journey and remains there
for at least 5 consecutive nights and his medical conditions do not allow his repatriation and neither an adult
family member nor a companion or a friend is with him, the Emergency Assistance Centre shall on behalf of
the Insurers make available to a family member or a friend a 1st class return trip train or economy class
return trip air ticket to join the Insured. The local board and lodging costs of this person shall be excluded.
Art. 2) Repatriation of an under age child
If the Member or the Family Member travelling with only one or more under age children becomes unable to
take care of them because of a not pre-existing illness or an accident, the Emergency Assistance Centre shall
on behalf of the Insurers take all necessary actions for their repatriation to the home country.
The transportation means shall be selected among:
- passenger aircraft
- sleeping car
- 1st class sleeping berth
whichever costs less.


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The related costs shall be at the Insurers’ charge.
Art. 3) Return of the travel companion
If the Member’s travel companion has to cancel the return trip because of the emergency medical assistance
to the Member or the Family Member, the Emergency Assistance Centre shall on behalf of the Insurers take
all necessary actions for the return trip of the travel companion.
The transportation means shall be selected among:
- passenger aircraft
- sleeping car
- 1st class sleeping berth
whichever costs less.
The related costs shall be at the Insurers’ charge.
Art. 4) Vehicle transportation
If any medical emergency to the Member or the Family Member prevents him from recovering his vehicle,
the Emergency Assistance Centre shall on behalf of the Insurers take all necessary actions for transportation
of the vehicle back to the nearest place between the agency, where it was rented, and the Member’s country
of residence up to a limit of € 1.000,00.
Art. 5) Information on trip travel
The Emergency Assistance Centre shall supply the Member or the Family Member with all information relative
to the travel and concerning visa, passport, vaccinations, weather conditions, currency and exchange rate,
address of the Embassy and the Consulate.

PERSONAL ASSISTANCE
Art. 1) Transmittal of urgent messages
If the Member or the Family Member is unable to send urgent messages to his family members, the
Emergency Assistance Centre shall on behalf of the Insured send such messages to his family member or
any person indicated by him. A 24 hour service shall be ensured.

Art. 2) Lending of money
In the event of medical emergency, the Emergency Assistance Centre shall lend to the Member or the Family
Member money in local currency up to € 300,00.
The Member shall be requested a guarantee equivalent to the lending.
Art. 3) Loss of personal documents
In case of loss or theft of the personal baggage , identity documents and credit cards, the Emergency
Assistance Centre shall operate for their recovery by contacting the competent authorities and keep the
Member informed thereon. The costs for replacement of the lost or stolen identity documents, personal
baggage and credit cards shall be borne by the Member or the Family Member.
Art. 4) Language assistance abroad
The Emergency Assistance Centre shall make available an interpreter in case of communication difficulties
that cannot be solved by phone. The cost for the interpreter shall be borne by the Member or the Family
Member.
Art. 5) Information on claims
The Member or the Family Member may ask information on the claim suffered by him, which involved the
services of the Emergency Assistance Centre..

LEGAL ASSISTANCE
Art. 1) Solicitor’s assistance
If so required, the Emergency Assistance Centre shall make available to the Member or the Family Member a
local solicitor. All the legal expenses shall be borne by the Member or the Family Member.
Art. 2) Bail
In case of the Member’s arrest or threatened arrest, the Emergency Assistance Centre shall on behalf of the
Insurers pay an advance up to € 4.000,00 as bail.
The Insured shall refund such money to the Insurers within 90 days from the date on which the advance was
paid. If the bail is refunded by the local authorities within the due date, the Insured shall immediately return
it to the Insurers. The Insurers reserve the right to take legal proceedings, if the bail is not refunded by the
Insured within the due date.
Art. 3) Legal assistance
In the event the Member or the Family Member is put to jail, the Emergency Assistance Centre informed
thereof shall immediately give notice to the Embassy or the Consulate and shall keep in touch with the
Member or the Family Member until solution of the case.
All expenses included notice of imprisonment shall be at the Member’s charge.


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EXCLUSIONS
The Insurers shall not be liable for:
1. Trip travel start or continuation against the physician’s advice;
2. Services or treatment even as inpatient not required and approved by a physician or of a nature other
    than medical;
3. Suicide, attempted suicide or self-inflicted injury;
4. Treatment arising from war or hostilities, whether war be declared or not ;
5. Accident or illness resulting from all professional, competitive, cross-school or cross-company sports,
    except for any underwater activity, and from air sports in general;
6. Mental illness including organic brain disorder, schizophrenic and paranoiac disorders, manic-depressive
    illness;
7. Costs resulting from abuse of alcohol, drug addiction or abuse and use of psychotrope drugs, unless
    prescribed by the general practitioner and provided the Insured has followed the instructions;
8. Costs resulting from the Member’s criminal acts;
9. Treatment by a family member;
10. Treatment of any kind other than that strictly necessary during discharge due to medical emergency;
11. Delivery and its consequences and Complicated Pregnancy in the last 3 prenatal months;
12. Sexually transmitted diseases, AIDS and AIDS-related Complex Syndrome and all diseases caused by
    and/or related to the virus HIV.




MEDICAL EXPENSES

Art 1) Direct payment in the event of hospitalisation.
If the insured member is hospitalised for a minimum of two consecutive days, as a consequence of an accident
or an unexpected illness, during a insured trip outside the member’s declared country of residence, the
Insurance company will reimburse any motivated and documented costs up to Euro 12,000.00
In the event of a hospital admission, the Alarm Centre will directly assume the costs, should this be rendered
necessary, to ensure admission into the hospital
The insured medical expenses are those incurred for the insured events and shall be indicated by the
Physician rendering the treatment. They include:
- medical and anesthesiological treatment;
- admittance to hospital and use of an operating theater;
- laboratory testing, radiographic and nuclear medicine procedures to diagnose medical conditions;
- ambulance services;
- urgent prescribed drugs.
Included are costs incurred due to a prolonged hotel stay as a result of a hospital admission, as long as this
occurs following a hospital stay of at least two consecutive days and the confinement is prescribed by the
attending doctor because of the impossibility of the insured member’s return home. The maximal limit of
reimbursement is that of five days following the indemnified hospitalisation

Art. 2) Exclusions
The Insurers shall only be liable for the expenses incurred for the medical treatment prescribed by a legally
licensed physician or rendered in an acknowledged hospital. reimbursement will not be contemplated for any
injury resulting entirely or partially:
- In a hospitalisation of less than two days
- from nuclear transmutation
- From Any authotherapy ;
- From underwater diving and flying sports in general
- From Alcohol in the Insured’s blood to a percent equal to or higher than established by law and abuse of
alcohol when driving;
- From Suicide, attempted suicide or self-inflicted injury
- In Expenses not supported by documented original evidence.
The Insurers shall not be liable for expenses incurred for:
- Medical treatment in the Insured’s country of residence ;
- Pre-existing conditions (as defined earlier) ;
- Pregnancy except for Complicated Pregnancy in the first 6-month period ;


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- Psychiatric and psychological disorders;
- Sexually transmitted diseases, AIDS, AIDS-related Complex Syndrome and all diseases caused y and/or
related to the virus HIV positive;
- Cosmetic surgery unless resulting from an accident included in the policy schedule;
- Rehabilitation treatment of any kind resulting from accident or illness, psychoanalytical treatment, services
or treatment in any long term care facility, physical therapy and detoxication treatment;
- Eye treatment, spectacles, contact lenses, hearing aids, routine dental treatment and elective dentures
unless directly resulting from an accident included in the policy schedule ;
- Treatment by a chiropractic or osteopath;
- Medical check-up not supported by a medical need ;
- Vaccinations and vaccination-related syndrome;
- Events connected with war, whether declared or not, and general insurrection
Art. 3) Proof
The Insured Person who makes a claim shall give evidence of his right and allow the Insurers to carry out
any survey as may be required by relieving the physicians, who rendered the treatment, from the
professional secret.

WHAT TO DO
The expenses of any kind incurred by the Insured shall be refunded only if approved and coordinated by the
Emergency Assistance Centre.
PROCEDURES TO CALL FOR ASSISTANCE
In case of admittance to the hospital or severe medical emergency call the phone number:
+ 39 0396057858
An operator will answer to help you. This service is active around the clock.
Upon request, the Insured shall supply his personal data:
- Name and surname
- Policy No.
- Phone No. of the place of stay abroad
- Address of the place of stay abroad
After this preliminary contact, the medical staff of the Emergency Assistance Centre shall decide the
transportation means, and/or the medical institution and/or the medical treatment that best suit the
Insured’s medical conditions after consulting with the local or home country physician or physicians.
In the event of transportation to hospital resulting from an accident or illness covered by the Policy and
reported to the Emergency Assistance Centre, the latter shall directly pay the entity which organized the
medical transportation.

NOTE: Services not directly supplied by DAN Travel Assist will not be reimbursed. If in doubt
about any pre-existing illness, call DAN Travel Assist for pre-departure clearance.

OTHER TERMS AND CONDITIONS

Arbitration and examinations
Any difference in respect of the reason for or nature of the injuries or of medical opinion in connection with
the results of an accident or illness as sole direct cause shall be referred to arbitration by three medical
experts to be chosen one by each party and the third expert to be agreed between the two experts so
chosen, or in the absence of such agreement, to be appointed by the President of the Milan Medical
Association in Milan, where the arbitration will be conducted. The medical experts shall, in giving their ruling,
act as amiables compositeurs according to the terms and conditions of this Policy. Any arbitral decision shall
be final and binding upon the parties. Each party shall bear his own expenses and fees for his medical expert
. The fees for the umpire shall be fifty-to-fifty shared between the two parties.
Applicable law
For any dispute other than set forth in art. 1), the parties shall submit themselves to the exclusive venue and
jurisdiction of the Court of Milan.. The parties expressly waive their rights arising out of or connected with
the art. 282 and 648 of the Civil Code.

Other insurances
If at the time any claim arises under the policy there be any other insurance covering the same liability, the
liability of CHUBB INSURANCE COMPANY OF EUROPE S.A. shall be limited to the amount not covered by the
other insurance and any deductible applicable thereto.



                                                                                                                 9
Legal proceedings
No action at law shall be brought against CHUBB INSURANCE COMPANY OF EUROPE S.A. unless commenced
within one year from the date of event giving raise to the claim according to art. 2952 of the Civil Code.

Force majeure
The Insured shall be obliged to contact the Emergency Assistance Centre for the services and claim. In no
case shall CHUBB INSURANCE COMPANY OF EUROPE S.A. and the Emergency Assistance Centre be held
liable for any delay in the performance of their services in the event of strike, civil commotion, sabotage or
terrorism, war and civil war, heat or radiations from nuclear fission, or other accidents or force majeure
events.
All actions by the Emergency Assistance Centre encharged by the Insurers with the responsible performance
of the services herein shall be carried out in accordance with the laws and the national and international
standards and shall depend on the release of the necessary authorizations by the competent authorities.

Member Status
CHUBB INSURANCE COMPANY OF EUROPE S.A. reserve the right to reject any claim received from the
Insured when he is no longer a member of DAN Europe.

Notice of claim
In the event of transportation to the hospital or of a medical emergency, the Insured, a person travelling
with him, an authority or the medical institution providing the treatment shall immediately contact the
Emergency Assistance Centre to check for the insurance cover and organize the assistance.

Proof of claim
The Insured, his recipient or his legal representative shall submit to the Emergency Assistance Centre the
claim documentation by and not later than thirty days from the event for which the claim is made. Failure to
give notice of claim within the time required may invalidate the claim covered hereunder. The Insurers shall
have the right to require any documentation, either medical or not, relative to the claim.

AGE Limit
All accident covers are invalid after the DAN Member’s or Family Member’s 75th birthday; this limit is
reduced to 65 years for all events other than accidents, if covered by the policy.

DAN – Family Support – CHUBB Insurance Company of Europe S.A.
Optional
Coverage is provided for a diver, with or without breathing apparatus, who practises the activity:
– as a sport, for underwater and training practice in general;
- professionally, including as instructor, assistant instructor or underwater guide holding a licence, including
trials and research in the field of medicine and science.
In case an indemnifiable accident leading to death, as defined by this policy, the Insurance Company
reimburses, up to the limit of
€ 50.000,00 at the time of death (Option A)
€ 110.000,00 of which € 50.000,00 paid to the beneficiaries at the time of death of the insured member and
€ 60.000,00 in annual installments for 10 consecutive years (Option B)

Definition of the accident and purpose of the insurance cover
The following are considered accidents as long as not excluded by the successive Articles:
1) barotraumata and decompression pathologies;
2) asphyxia of non-pathological origin;
3) acute poisoning caused by the ingestion or absorption of substances;
4) drowning;
5) exposure or frostbite;
6) sunstroke or heatstroke;
The insurance also covers accidents suffered while in a state of unconsciousness or malaise

Exclusions
Accidents arising from the following causes are excluded from this insurance:
    a) the use and driving of means of underwater transport as well as their use as a crew member, except
       for so-called underwater “Scooters” for individual use;


                                                                                                             10
    b)  state of acute alcoholic intoxication;
    c)  abuse of psychotropic drugs, use of narcotic or hallucinogenic drugs;
    d)  surgical operations, medical treatment or tests not necessitated by an accident;
    e)  malicious crimes committed or attempted by the Insured Person, including suicide;
    f)  events directly related to a state of declared or undeclared war, civil war, insurrections of a general
        nature;
    g) voluntary enlistment, recalling for mobilisation and for reasons of an exceptional nature;
    h) nuclear transformation or energy settlement, natural or provoked, and by acceleration of atomic
        particles;
    i) professional coral fishing, record breaking attempts of any type
    j) pathological situations existing prior to the date of occurrence of the accident;
    k) pregnancy of the insured person and its consequences;
    l) medical treatment given by a relative;
    m) also excluded is recreational technical diving, using artificial breathing mixtures.
Lastly, myocardial infarction and its consequences.

Non-insurable persons – Age limits
The coverage is not valid for persons suffering from alcoholism, drug addiction HIV or from the following
infirmities: schizophrenia, encephalopathies, organic brain syndromes and manic – depressive forms,
paranoid stares and the insurance ceases the day before one of the aforementioned conditions appears.
Cover is understood to be provided up to the renewal period immediately following the member reaching the
75th burthday.

Death - Beneficiaries
In the event of Death, the insured benefit is liquidated by the insurance company to the designated beneficiaries
of the insured member, and in the absence of such designated beneficiaries, to the legitimate heirs of the
insured member in equal parts

Accident claim – related obligations – evidence
Every claim must be communicated, by the legitimate claimants, via fax or telegram within two days
following the incident date or the date the interested parties became aware of the case, and as defined by
law
The onus of proof of the existence of the required elements of the right of indemnity rests with the claimant,
who must also consent to any investigations and controls considered necessary by the insurance company, to
the extent of releasing the attending physicians from professional secrecy. The insurance company has the
right to ask for any medical (and non medical) documentation related to the incident

Claim settlement
The insurance company binds itself, once it receives the entire documentation necessary to ajudicate the
claimed accident, to settle the claim within a time limit of thirty days

Controversies
In the event of disagreements on the nature of the incident, the Parties bind themselves to give a written
mandate to a panel of three medical doctors who will take a decision on the case on the basis of the limits
and conditions of the policy
The decisions of the Panel, which are waived of any legal formalities, shall be based on a simple majority
The request to convene the Medical Panel has to be made by those entitled to do so within one month of the
date the insurance company has settled the claim or has offered to settle the claim, and it has to be done in
writing, indicating the name of the designated Medical Doctor, following which the insurance company will
communicate to the insured member the name of the Medical Doctor designated by it.

The third Medical Doctor is chosen by the parties from a list of three Medical Doctors proposed by the first
two; in the event of disagreement he will be chosen by the Secretary of the Medical Associtaion having local
jurisdiction. Once the third Doctor is nominated the insurance company will convene the Panel, inviting the
insured member to present him/herself.
The Medical Panel will be based at the Institute of Legal Medicine closest to the Italian Legal Direction or its
Periferal Representative.
For victims not resident in Italy, the above may occur at the representative office of the company closest to
the residence of the insured member and the procedures adopted shall be pertinent to the standards of that
country, respecting the right of evaluation of the insurance company.


                                                                                                                  11
The parties shall pay their respective costs and the fees of their designated medical doctor, as well as
contributing for half the costs and fees of the third medical doctor.
The decision of the Medical Panel is binding on the parties even if one of the doctors refuses to sign the
relevant report

Exposure to the elements
The insurance company, in the event of stranding or shipwreck not excluded in the Terms of Insurance, will
pay the death-related benefits even in those cases when the above events were not the direct cause of the
accident, but, as a consequence of the area, the climate and other concomitant situations ( example:
becoming disoriented) the insured member finds him/herself in conditions resulting in death.



                CHUBB INSURANCE COMPANY OF EUROPE S.A.
                - General Agency for Italy -
                Piazzetta Pattari, 2 - 20122 Milan


Civil Liability - INTER PARTNER ASSISTANCE S.A. (International AXA ASSISTANCE group)

Insured persons
This insurance covers the strict liability of amateur scuba divers, professional scuba divers, instructors,
assistant instructors, underwater guides, schools, clubs, diving centres and scuba diving organisations, that
have an individual or group policy with DAN Europe. In the case of professional divers, instructors, assistant
instructors and underwater guides, insurance cover is granted solely on condition that the insured persons
satisfy the respective teaching federation or body that they are able to carry out the activity corresponding to
their level of qualification. A diving qualification is not required for amateur scuba divers (Basic Membership,
Master Membership, Super Membership).
For the purposes of this insurance policy, third parties and third parties amongst themselves refers to those
attending courses, scuba divers who are involved in technical-scientific activity, club members and clients in
diving centres. The following are also considered third parties and third parties amongst themselves with
respect to the school, the club or the diving centre: the instructors, the assistant instructors, underwater
guides belonging to the school and insured scuba diving clubs.
Insured parties also refers to additional insured parties, hotel or tourist facilities (hotels, holiday villages,
affiliated teaching organisations etc.) to which the insured party provides services. This guarantee only
applies where the claimant files a claim for compensation against the facility as well as against professional
scuba divers, instructors, assistant instructors or the underwater guides in question. The claim shall be
satisfied by an amount of up to the maximum for which the professional scuba diver, instructor, assistant
instructor or underwater guide is insured.

Insurance for strict liability
INTER PARTNER ASSISTANCE S.A. (International AXA ASSISTANCE group) provides insurance cover for
indemnity claims against the insured party in case of death, injury or other harm to the health of other
persons (bodily harm) and/or destruction, damage or loss of material effects (material damage).

Insured risk
Insurance cover is provided for activities carried out by the insured person as an amateur scuba diver,
professional scuba diver, scuba diving instructor, scuba diving assistant instructor, underwater guide and
instructor on behalf of diving schools, scuba diving clubs, diving centres or other scuba diving organisations.
Insurance cover is also provided for scuba diving activities carried out in a swimming pool and for the filling
of underwater diving tanks by means of a compressor and/or by decanting. For professional membership and
“Club Membership” the following is also covered: liability relating to training courses (including courses on
dry land), scuba diving courses for the handicapped, guided and/or organised diving, technical/scientific tests
and research, voluntary civil protection activities, and first aid courses with oxygen.
“Club Membership” insurance covers the liability of the school, the association, the club, the diving centre or
other organisation involved in scuba diving and the personal liability of the instructors, assistant instructors
and guides operating under the “Club Membership”.




                                                                                                              12
Validity of the cover
Coverage is valid for citizens of or residents in Europe and for citizens of or residents in the countries
pertaining to Dan Europe: Geographical Europe, the Countries of the Mediterranean Basin, the Countries on
the shores of the Red Sea, the Middle East including the Persian Gulf, the Countries on the shores of the
Indian Ocean north of the Equator, including Kenya, Tanzania and Zanzibar as well as the related overseas
territories, districts and protectorates.

Validity with respect to time, territory and law
The guarantee is valid from midnight on the day the subscription is paid, and it is valid for 12 months. The
policy covers verifiable damage throughout the world during the period of the contract. Inter Partner
Assistance S.A. covers claims for damages against the insured persons in accordance with the legislation in
force in the countries in the sphere of activity of DAN Europe. For verifiable damage in countries beyond the
sphere of activity of DAN Europe, claims will only be processed if they are filed on the basis of the legislation
in force in the countries in the sphere of activity of DAN Europe. Whatever the area of application, Inter
Partner Assistance S.A. does not process or recognise claims filed as a result of private international third
agreements in the event that the injured party or the person filing the claim asks that legislation in force in
countries beyond the sphere of activity of DAN Europe be applied. For such claims, Inter Partner Assistance
S.A. grants compensation to the claimant only within the scope and ambit of the legislation on strict liability
in force in the countries in the sphere of activity of DAN Europe for the case in question.

Guarantee amount
The policy provides for the following guarantee options for all bodily and/or material harm caused to third
parties:

Individual memberships                          Maximum in € (per event)

– Basic Membership                                      €    7.000,00
– Master Membership                                     €    155.000,00
– Basic Professional                                    €    1.550.000,00
– Master Professional                                   €    1.550.000,00
– Super Professional                                    €    1.550.000,00
 - Basic Professonal Supplement,
   Master Professional Supplement,
   Super Professional Supplement                        € 3.500.000,00

Schools, associations,
diving centres and organisations
 involved in scuba diving                       Maximum in € (per event)

–   Club   A                                             €   1.100.000,00
–   Club   A Plus                                        €   1.550.000,00
–   Club   B                                             €   2.600.000,00
–   Club   C                                             €   5.200.000,00


Areas not covered (diving related exclusions)
The insurance policy does not cover claims for damages to the policy-holder or to his/her property, the
claims of members of the policy-holder’s family, claims relating to intentional exposure to partial pressure
greater than 2 atm oxygen and 5.6 atm nitrogen or strict liability as the owner, tenant or leaseholder of land,
buildings, apartments and plant. Nor does the policy cover liability for failure to maintain buildings,
apartments and plant belonging to third parties if the policy-holder is obliged to maintain them, or strict
liability relating to property and/or to the use of machinery and equipment (e.g. compressors) if the damage
is caused by material faults, wear and tear, inadequate maintenance or by manufacturing defects. On the
other hand, the policy covers the policy-holder’s strict liability following incorrect use of the said machinery
and equipment, and as a result of errors caused by normal maintenance procedures, that is, changing oil,
filters and pressure tubes on the said machinery and equipment. The policy does not cover owner liability or
liability arising from the use of any motor vehicle, attached trailers, unattached trailers or towed vehicles,
owner liability or liability arising from the use of any watercraft (rowing boats, sailing boats and motor
boats). The policy does not cover claims for damage to material effects received in operation, in
manufacture, for delivery or safekeeping, for transport or for any other purpose. This last exclusion does not


                                                                                                               13
apply for damage to diving equipment loaned to students attending courses. It also excludes claims for
verifiable damages to material effects further to the execution of an activity or the failure to execute an
activity on or with the said item (e.g. manufacture, repair work, loading or unloading a vehicle) and liability
for damage caused by the products provided (this exemption does not apply to rental of equipment for scuba
diving activity, such as diving accessories, masks, cylinders etc.).
Note of caution to schools (Club Membership A, A PLUS, B or C): the insurance policy covers rented
equipment, provided the persons renting the equipment have a valid scuba diving qualification or are
accompanied by an instructor, an assistant instructor or an underwater guide and provided the equipment
rented is checked in the manner and time period provided for in the security, inspection test and
maintenance standards in force in the country of rental. The policy-holders undertake to keep a record of the
names of customers and data relative to their respective qualifications, the date of rental and the type of
equipment rented. For persons accompanied by an instructor, an assistant instructor or an underwater guide,
the policy-holders must also record data relative to the accompanying person. If the policy-holder fails to
keep a record, insurance cover is not provided.

Contractual obligations and breach of such obligations
The policy-holders must fully observe the law, the rules and regulations laid down by the authorities. If the
policy-holders breach the obligations contained in this contract, the benefits of the insurance cover lapse
unless the policy-holders can prove that the breach was not intended or that the accident would have
happened even if they had fulfilled their obligations.


LEGAL DEFENCE - INTER PARTNER ASSISTANCE S.A. (International AXA ASSISTANCE
group)

The Insured peril: The event or violation of the law, occurring during the valid period of cover, which gave
rise to civil, penal or administrative disputes or proceedings involving DAN Europe Members, arising from
facts occurring during the carrying out of underwater activities in general.
Type of Contract: “per conto di chi spetta” in favour of the Insured.

Purpose of the Agreement
The object of the agreement is Legal Defence cover for all DAN Europe Members holding one of the
“Professional” membership plans (“Standard” Legal Defence) plus, if required, the additional Options
“Supplement” and “Luxus”
STANDARD Legal Defence
Maximum cover limit per claim and year: Euro 26.000,00
SUPPLEMENT Legal Defence
Increase of Standard maximum cover limit per claim and year to: Euro 150.000,00
LUXUS Legal Defence
Increase of Standard maximum cover limit per claim and year to:
Euro 400.000,00
OR
UNLIMITED, when the service is directly provided or previously approved in writing by DAN Europe and its
Insurers.
1. The cover is valid for disputes or proceedings arising from facts occurring during the carrying out of
   underwater practices, with or without breathing apparatus, carried out by the insured regarding:
a) Compensation for damages to persons or to things, sustained due to a third party’s illegal act, even if
   dependant on the use of marine, lake or river vehicles;
b) Disputes with insurance companies other than The Insurance Company with regard to liquidation of
   accidents based on the policies stipulated by The Party in favour of The Insured;
c) Penal proceedings for crimes or contraventions. With regard to penal proceedings where the Insured is
   charged with a voluntary offence, the cover is only valid in the event that the charge is altered to one of
   involuntary offence or in the event of a final acquittal;
d) Disputes for the purposes of defending claims for compensatory damages of an extracontractual nature
   brought by third parties against the Insured for illicit acts carried out by the latter. This cover only
   applies if there is a policy covering civil responsibility relating to the activity/profession indicated in this
   policy and shall come into force after the insurer for civil responsibility will have paid all that is due by

                                                                                                                  14
   the latter for defending and succumbing in respect of matters covered by the policy covering civil
   responsibility. The Insurance substitutes and shall constitute primary cover in the eventuality that civil
   liability cover, even if in force, can not be activated because it does not happen to be operative in the
   circumstances;
e) Actions related to the property and/or utilisation of immovable property used in underwater activities;
f) opposition to administrative sanctions of a value not less than € 550,00.

2. The cover is valid for disputes referred to facts occurred during the period of time between boarding the
   immersion craft or boat, or the start of putting on the equipment on land until landing, or the end of
   removing all the equipment on land, it is operational all over the world and extends to photographic
   competitions, underwater video and fishing and includes as well disputes for facts occurring in swimming
   pools as long as part of underwater activities.

LEGAL PROTECTION ABROAD
Should the Insured be carrying out his/her diving activity abroad and it becomes necessary to instruct
counsel to defend him/her in criminal proceedings against the Insured for culpable acts or contraventions
committed abroad, the Society will provide such counsel directly on site. In any case, the Society will
assume the costs of such legal counsel (maximum cover limit per claim and per year € 8.000,00).
Also, should the Insured, upon the institution of criminal proceedings against him/her, find difficulty in
communicating in the local language, the Society will provide an interpreter, through its Centre of
Operations. Alternatively, the Society will provide such interpreter directly on site. In any case, the Society
will assume the related costs up to the established maximum (maximum cover limit per claim and per year €
1.000,00).


Club A, A PLUS, B and C
Maximum Cover Limit per accident and per year € 26.000,00

The Insured: all organisations of a diving nature (schools and clubs, diving centres, professional training
centres, scientific groups) as personified in the individual responsible/ legal representative, members of DAN
Europe. Diving Instructors, Assistant Instructors and Underwater Guides who work for the Organisation are
not covered.
1. The cover is valid for disputes or proceedings arising from facts occurring during the carrying out of
    training courses, technical/scientific activities, voluntary and recreational activities as well as guided
    and/or organised diving regarding:
    a. disputes for the purposes of defending claims for compensatory damages of an extracontractual
        nature brought by third parties against the Insured for illicit acts carried out by the latter. This
        cover only applies if there is a policy covering civil responsibility relating to the activity/profession
        indicated in this policy and shall come into force after the insurer for civil responsibility will have paid
        all that is due by the latter for defending and succumbing in respect of matters covered by the policy
        covering civil responsibility. The Insurance substitutes and shall constitute primary cover in the
        eventuality that civil liability cover, even if in force, can not be activated because it does not happen
        to be operative in the circumstances.
2. The cover is valid for disputes referred to facts occurred during the period of time between boarding the
    immersion craft or boat, or the start of putting on the equipment on land until landing, or the end of
    removing all the equipment on land, it is operational all over the world and extends to photographic
    competitions, underwater video and fishing and includes as well disputes for facts occurring in swimming
    pools as long as part of underwater activities.

General Information on Legal Defence Policies
The cover begins at 24.00 hours on the day of receipt of the membership fee by DAN Europe and is effective
for 12 months.
The Insurance Company provides directly the services required for the upholding in a court of law of the
rights and interests of the Insured and guarantees the payment of legal and expert costs sustained for the
same purpose, and any other expense found to be owing by the Insured following civil, penal or
administrative proceedings. Excluded are any dues from capital costs, interests, fines, penalties and
pecuniary sanctions in general.
There is an obligation to report the accident within 15 days of the date of occurrence or when the Insured
became aware of it.
Any judicial act or communication must be transmitted to DAN Europe within 5 days of service of receipt.

                                                                                                                  15
The Insured who engages professionals, institutes actions or goes to court, impugns judgements or
compromises without previous agreement with INTER PARTNER ASSISTANCE S.A., except in cases of proven
urgency, must bear personally any resulting dues.
It is up to the Insured to choose legal counsel, to represent him in court or defend him in criminal court,
from those practising in the area of the tribunal where the competent judge sits.
The cover is normally valid for accidents occurring all over the world and reported within a year of their
occurrence.

TELEPHONE CONSULTATION SERVICE
Telephone consultation service, operational during office hours, to obtain:
        •   An initial legal consultation in relation to the insured events
        •   Information on the current laws and regulations in Europe and on the procedures to be followed
            in the event of a petition in front of the law courts
        •   Information on the content and limits of the current policy


INTER PARTNER ASSISTANCE S.A. (International AXA ASSISTANCE group)
General Agency for Italy
Via A. Salandra, 18
00187 ROMA


Reference to the rules of law
For anything not otherwise regulated herein, the rules of Law in force apply.


Note:
While every effort has been made to ensure that this English translation accurately reflects the original
Italian texts, please be informed that in the event of a dispute, reference will be made to the original Italian
text of the agreements.




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