uments to Insurance Policy Stepin

Document Sample
uments to Insurance Policy Stepin Powered By Docstoc
					Documents to Insurance Policy 11
Only valid in conjunction with the premiums and service specifications shown on the booking confirmation.
The taking out of insurance is documented on the booking confirmation (insurance policy)!

Overview of Benefits                                                                             Assistance in an emergency
Stepin Insurance Cover COMPACT                                                                   Sick during your stay?
•		Health	Insurance                                                                              The Assistance guarantees rapid and expert assistance all over the world 24 hours a
  Deductible: The deductible shown in the insurance policy applies.                              day! Our specialists will advise and inform you professionally and can help you avoid
  Amount of costs reimbursed: without limitation (cf. §§ 1, 2 and 4 AVB KV AP for                payment reductions.
  restrictions)
  Benefits in case of stays within Germany: The restrictions for outpatient hospital             Phone	 +49.89.6	24	24-403
  treatment according to § 6 No. 1 are not applicable.                                           Fax	   +49.89.6	24	24-246
•		Patient	Repatriation	Transportation
  Amount of cost reimbursement: Without limitation                                               Important!
•		Assistance                                                                                       P
                                                                                                 •	 	 lease	hold	the	exact	address	and	phone	number	of	your	current	whereabouts	ready.
  Emergency	cash	(§	6,	No.	2	AVB	AS	AP):	€ 1,500                                                    N
                                                                                                 •	 	 ote	down	the	name	of	your	contacts,	e.g.	physician,	hospital	or	police.
  Hospital	visits	in	case	of	inpatient	treatment	(§	2	No.	2	b)	AVB	AS	AP): Organisa-                D
                                                                                                 •	 	 escribe	as	exactly	as	possible	the	facts	of	the	case	and	have	the	necessary	informa-
  tion and cost assumption of hospital visits by persons close to the insured person.               tion at hand (e.g. address of your bank, account/credit card number, bank code etc.).
  Visits	in	the	home	country	in	case	of	family	emergencies	(§	5	AVB	AS	AP):
  Organisation and cost assumption of visits in the home country due to family                   Should you have any general questions on insurance payments, just give the
  emergencies.                                                                                   Stepin-Infoline	a	call.	They	will	provide	you	with	any	information	you	need	on	the	
                                                                                                 subject of insurance cover and your exchange programme:
•		Luggage	Insurance                                                                             Phone +49.228.9 56 95-50
  Sum insured: € 2,000 per person and claim
                                                                                                 Fax     +49.228.9 56 95-59
  Deductible: € 25 per claim
                                                                                                 E-mail: versicherung@stepin.de
  Sum insured in case of a delay in luggage: € 200 per claim
  Underinsurance: The underinsurance according to § 4 No. 2 is not taken into
                                                                                                 If	you	would	like	to	report	a	case	of	damage	to	us,	please	note	the	information	on	
  account.
                                                                                                 claims on the last page.


•		Additional	Luggage	Insurance
–	only	if	agreed	in	addition	to	tariff	COMPACT	–
                                                                                                 Please	note	the	following	important	information
  Additional sum insured for laptops: € 1,000 per person and claim                               Length	of	stay: The insurances apply for the agreed period, i.e. one week at the
  Additional sum insured for video, film and still cameras: € 1,000 per person and claim         minimum, 36 months at the maximum.
  Deductible: € 50 per claim                                                                     Scope of validity: worldwide for a temporary stay abroad
                                                                                                 Single premium: valid for one person up to the age of 50 upon commencement of
                                                                                                 insurance in each case
                                                                                                 Notes on taking out insurance: Insurance should be taken out by the 2nd workday
                                                                                                 after the start of the stay abroad and if there is no interruption in the previous
Stepin Insurance Cover PLUS                                                                      insurance, at any time. If insurance is taken out from the 3rd workday after the
–	only	if	agreed	in	addition	to	tariff	COMPACT	–                                                 start of the stay abroad and if no previous insurance exist, there is a waiting period
•		Accident	Insurance                                                                            of 7 days. The waiting period does not apply in case of accident.
  Sums insured per person: up to € 100,000 in the event of disability from a degree
  of disability of 25%, € 50,000 in the event of death                                           Insurance	cover	is	provided	only	for	the	person(s)	named	on	the	booking	confir-
•		Liability	Insurance                                                                           mation / insurance policy and if the premium has been paid for it.
  Sum insured: € 1,000,000 per person in case of personal injury and damage                      The amount of the premium is usually based on the insurance cover selected, the
  to property, including damage to furniture and moveable property of the host                   term of the contract.
  parents up to € 10,000
  Deductible: € 25 per claim, € 75 per claim for damage to furniture and movable
  property of the host parents                                                                   As the legal company name of our head office was changed at the beginning of
                                                                                                 2011,	our	company	name	is	now	AGA	International	S.A.,	Niederlassung	für	Deutsch-
                                                                                                 land (Germany branch).

                                                                                                 The contractually agreed insurance payments are offered by AGA International S.A.
                                                                                                 in compliance with the Terms and Conditions of Insurance named below. Verbal
                                                                                                 agreements are invalid. Insurance tax is included in the premiums. No fees are
                                                                                                 charged. The premiums and service specifications documented in the booking
                                                                                                 confirmation/insurance policy are relevant for the scope of insurance.




                                                                                                 Olaf Nink, Chief Executive Officer

                                                                                                 AGA International S.A.                     The principal place of business of the S.A.
                                                                                                 Niederlassung	für	Deutschland	             is	Paris	/	France
                                                                                                 (Germany Branch)                           Chief Executive Officer for Germany:
                                                                                                 Ludmillastr. 26                            Olaf Nink, Munich
                                                                                                 D	-	81543	Munich	                          HRB	4605	Local	Court	of	Munich


                                                                                           -1-
Product	and	Consumer	Information		                                                                         	
This information sheet serves to provide you with a brief overview            Patient	Repatriation	Transportation                                         Liability	Insurance
of our insurance products. A description is only given of essential
contents. The insurance cover including the sums insured and                  AGA reimburses the costs of the medically advisable and appropri-           Insurance cover against legal claims for damages asserted by third
provisions	on	deductibles	is	exhaustively	described	in	your	docu-             ate return transportation of the insured person to the nearest              parties based on personal injury and damage to property up to the
ments	 to	 the	 insurance	 policy	 and	 in	 the	 General	 Policy	 Condi-      suitable hospital to the insured person‘s place of residence and, in        amount of the agreed sum insured.
tions.                                                                        the event of death, the repatriation of the insured person‘s mortal
                                                                              remains.                                                                    No insurance cover is provided, among other things, for damage
Please	note:                                                                                                                                              caused through the use of motor-driven vehicles or aircraft or due
Please see your booking confirmation / insurance policy for the               No insurance cover is provided, among other things, for return              to hunting and as a basic principle for damage caused to third-
insurance product purchased for you.                                          transportation due to medical treatment which the insured person            party items rented by or on loan to the insured person, or obtained
                                                                              knew was necessary before departure or which he or she could                by unlawful interference or in the insured person’s custody (cf.
                                                                              have expected in the circumstances of which he or she was aware.            §	3	No.	2	b)	 AVB	HV	E	 AP	for	exceptions).	Insurance	cover	is	 also	
Generally valid for all insurance products                                    Further	exclusions	are	specified	in	§§	3	AVB	RT	E	AP,	5	AVB	AB	E	AP.        not provided for liability damage based on occupational activities,
for exchange programmes named in this                                                                                                                     cf.	§	3	AVB	HV	E	AP.
                                                                              Please contact the Assistance immediately in case of serious injuries
document:                                                                     or illnesses.                                                               Please notify AGA of the insured event in writing immediately and
                                                                                                                                                          note	all	your	duties	and	obligations	in	§	4	AVB	HV	E	AP.	If	any	duties	
Insurance	cover	is	not	provided,	among	other	things,	for                                                                                                  or obligations are not complied with, the insurance payment may
•	 	Damage	caused	by	strikes,	civil	commotions	and	acts	of	war.               Assistance                                                                  be reduced or forfeited, cf. § 9 AVB AB E AP in this connection.
•	 	Damage	caused	intentionally	by	the	insured	person.
•	 	Expeditions.                                                              Provides assistance worldwide in an emergency in a foreign country:
Please see the respective terms and conditions of insurance for the           in case of illness, accident, death, loss of payment media or in the
exact benefits and exclusions.                                                event of criminal prosecution. It organises patient repatriation trans-
                                                                              portation with medically adequate means of transport as soon as
Insurability	(§	1	AVB	AB	E	AP):                                               medically advisable and appropriate. The Assistance is there for you
                                                                                                                                                          For all classes of insurance, the Federal Insurance Supervisory
Language pupils, students, scholarship holders, graduate students             24 hours a day under a central phone number.
                                                                                                                                                          Authority, Bundesanstalt für Finanzdienstleistungsaufsicht (BAFin),
studying for a doctorate, guest researchers, practical trainees, volun-                                                                                   Graurheindorfer Straße 108, 53117 Bonn, Germany, is responsible
tary	helpers,	exchange	students,	participants	in	“	Work	&	Holiday“	
programmes as well as tourists up to the age of 50 can be insured,
                                                                              Luggage	Insurance reimburses                                                for complaints.
unless otherwise agreed.                                                                                                                                  The	 contract	 is	 governed	 by	 the	 laws	 of	 the	 Federal	 Republic	 of
                                                                                 T
                                                                              •	 	 he	current	value	of	the	luggage carried with you if it is damaged
                                                                                 or lost as a result of theft or robbery, force majeure or accidents      Germany, unless this conflicts with international law. Legal action
Agreed	area	of	validity	(§	2	AVB	AB	E	AP):                                                                                                                based on the insurance contract can be brought by the policy-
                                                                                 in which the insured person suffers a severe injury or the means
1. Insurance cover is provided worldwide for temporary stays abroad                                                                                       holder or the insured person before the court with jurisdiction over
                                                                                 of transport is damaged.
     (stay outside the insured person’s home country). If an insured                                                                                      the principal place of business or the branch of the insurer. If the
                                                                                 T
                                                                              •	 	 he	current	value	of	the	checked-in	luggage if it is damaged or
     stay abroad is interrupted, insurance cover is also provided in the                                                                                  policyholder or the insured person is a natural person, legal action
                                                                                 lost up to the amount of the agreed sum insured if this equals
     insured person’s home country for a period of up to six weeks                                                                                        can also be brought before the court in the district of which the
                                                                                 the total value of the personal luggage.
     per insurance year.                                                                                                                                  policyholder or the insured person has his place of residence when
                                                                                 T
                                                                              •	 	 he	documented	expenses	incurred	to	recover	luggage.
2.	 	Home	 country	 is	 the	 country	 in	 which	 the	 insured	 person	 has	                                                                               the legal action is brought or, if he does not have a place of resi-
                                                                              Or alternatively:
    had his or her permanent principal place of residence for at                                                                                          dence, his habitual place of abode.
                                                                                 T
                                                                              •	 	 he	 necessary	 replacement	 purchases	 to	 continue	 the	 insured	
    least three years in the five years preceding his or her application
                                                                                 person’s stay at a maximum of 10 % of the sum insured if
    for insurance cover. If there was no such residence, the home                                                                                         Data protection:
                                                                                 checked-in luggage does not arrive on the same day.
    country is any country in which the insured person had his or her                                                                                     In	 accordance	 with	 the	 provisions	 of	 the	 German	 Federal	 Data
    permanent principal place of residence for the longest period                                                                                         Protection Act, we hereby inform you that if a claim is filed your
                                                                              Restricted	 insurance	 cover is provided, among other things, for
    overall, i.e. even before the 5-year period.                                                                                                          personal data which is required to implement the insurance con-
                                                                              video, film and still cameras, IT equipment and electronic commu-
                                                                              nication and entertainment devices including accessories as well            tract will be stored. To check the application or the damage, inqui-
Legal	consequences	in	case	of	a	breach	of	duties	or	obligations                                                                                           ries will also be sent to other insurers and inquiries by other insurers
                                                                              as jewellery and valuables, spectacles, other medical devices
(§	9	No.	1	and	2	AVB	AB	E	AP):                                                                                                                            will be answered. Moreover, data will be sent to the re-insurer.
                                                                              (§ 3 AVB GV E AP).
1. If an obligation is intentionally violated, AGA is released from its                                                                                   We draw your attention to the fact that your consent in this connec-
   duty to pay benefits; in case of a grossly negligent violation, AGA                                                                                    tion is valid beyond the end of the insurance contract. By rejecting
                                                                              No insurance cover is provided, among other things, for money, pas-
   is entitled to reduce its payment in proportion to the seriousness                                                                                     an application to conclude a contract, your consent ends. The
                                                                              senger tickets or similar or for jewellery and valuables in checked-
   of the fault of the insured person.                                                                                                                    addresses of each recipient of data will be provided upon request.
                                                                              in luggage or for causing the insured event intentionally. If the in-
2. The insured person must furnish proof of the non-existence of
                                                                              sured event is caused by gross negligence, AGA is entitled to reduce
   gross negligence. Except in case of fraudulent intent, AGA is ob-                                                                                      Right	to	revoke	contracts	valid	for	a	term	of	one	month	or	more:
                                                                              the benefits according to the degree to which the insured person is
   liged to pay benefits insofar as the insured person documents                                                                                          You can revoke your contractual declaration within 14 days in wri-
                                                                              at fault, cf. § 3 AVB GV E AP.
   that the violation of the obligation is not the cause of either the                                                                                    ting (e.g., letter, fax, e-mail) without stating reasons. The period
   occurrence or the determination or the scope of AGA’s obliga-                                                                                          begins after you have received the insurance certificate, the terms
                                                                              If your luggage is damaged or lost during transport, please notify the
   tion to pay benefits.                                                                                                                                  of the contract including the Terms and Conditions of Insurance,
                                                                              carrier immediately and ask for a written confirmation of damage.
                                                                              Please report any damage and other criminal acts to the nearest             the additional information pursuant to Section 7 (1) and (2) of
Health	Insurance reimburses                                                   police station immediately and obtain a copy of the police record           the Insurance Contracts Act (VVG) in conjunction with Sections 1
                                                                              or at least a confirmation that the incident has been reported to the       through	4	of	the	VVG	Decree	on	Information	Duties	–	each	of	these	
Expenditures for all necessary medical assistance in the agreed area          police.                                                                     notifications in written form. In case of contracts in electronic com-
of validity in the event of acute illness and accidental injuries which       If one of these obligations is violated, it is possible for the insurance   merce (Section 312e (1)(1) of the German Civil Code (BGB), this
occur in the insured period:                                                  payment to be reduced or forfeited, cf. § 9 AVB AB E AP in this             period shall not commence prior to our performance of our duties
•	 	Medical	treatment	and	hospital	care                                       connection.                                                                 pursuant to Section 312e (1)(1) of the German Civil Code in con-
•	 	Medication                                                                Should the facts of a damaging event be fraudulently misrepresen-           junction with Article 246 (3) of the Introductory Law to the German
•	 	Search,	rescue	and	recovery	costs	in	case	of	accidents                    ted, insurance cover lapses, see § 5 No. 3 AVB GV E AP.                     Civil Code (EGBGB).
•	 	Preventative	medical	check-ups	of	pregnancies	as	well	as	com-                                                                                         The deadline for revocation is deemed met if the revocation is
    plications during pregnancy up to the 12th week of pregnancy.                                                                                         dispatched in good time. It must be sent to:
                                                                              Additional	Luggage	Insurance                                                Stepin	GmbH,	Beethovenallee	21,	53173	Bonn,	Germany
                                                                              –	only	if	agreed	in	addition	to	tariff	COMPACT	–                            Phone: +49.228.9 56 95-50, Fax: +49.228.9 56 95-59,
The Assistance recommends the physician or the hospital with
the highest medical standards that is located closest in each case.                                                                                       E-mail: versicherung@stepin.de
                                                                              Supplements the sum insured of the Luggage Insurance by an
If the insured person follows the recommendation given by the
                                                                              amount of € 1,000 for laptops and € 1,000 for video, film and still         Consequences of revocation:
Assistance, the following additional benefits are provided notwith-
                                                                              cameras with accessories in each case.                                      When revocation is effective, insurance cover ceases and we shall
standing §§ 1 and 2 AVB KV E AP:
                                                                              Deductible: € 50 per claim                                                  refund to you that portion of the premium allocated to the period
•	 	Assumption	of	the	documented,	necessary	telephone	costs.
•	 	Assumption	 of	 the	 documented	 travelling	 expenses	 to	 the                                                                                        after receipt of the revocation if you consented to insurance cover
    recommended contact point.                                                Accident	Insurance                                                          beginning prior to the end of the revocation period. We are entitled
•	 	Accommodation	of	one	accompanying	relative	in	the	hospital	or	                                                                                        in this case to retain that portion of the premium that is allocated to
    close to the hospital if his or her constant presence is required         Provides indemnity if an insured accident leads to the permanent            the period until receipt of the revocation. This is a sum calculated
    during the full inpatient treatment of the insured person or, al-         disability or to the death of the insured person his or her stay in the     proportionally by days. Amounts to be refunded will be remitted
    ternatively, the assumption of the documented expenses incur-             agreed area of validity.                                                    without undue delay, no later than 30 days after receipt of the revo-
    red for visits by an accompanying relative at the location at the                                                                                     cation. If insurance cover does not commence prior to the end of the
    amount agreed.                                                            No insurance cover is provided, among other things, for accidents           revocation period, then effective revocation means that payments
                                                                              caused by mental disorders or impairments of consciousness or               received must be refunded and uses made thereof (e.g., interest)
No insurance cover is provided, among other things, for                       accidents suffered by the insured person as a pilot (also using             must be disbursed.
•	 	Benefits	in	the	home	country	of	the	insured	person.	Exception:            aerial sports equipment). For further exclusions cf. §§ 2 AVB UV AP,
    Stays in the home country are insured for a period of up to six           5 AVB AB AP.                                                                Special notes:
    weeks per insurance year if the insured stay abroad is inter-                                                                                         Your right of revocation lapses when the contract is completely per-
    rupted.                                                                   Previous illnesses contributing to the damage caused to the in-             formed both by you and also by us at your express request before
•	 	Treatment	which	the	insured	person	knew	was	necessary	before	             sured person‘s health may lead to restrictions in insurance benefits,       you have exercised your right of revocation.
   the start of insurance in the agreed area of validity or which he          cf. § 5 No. 1 AVB UV E AP.
   or she could have expected based on the circumstances of                                                                                               Your AGA International S.A.,
   which he or she was aware. Further exclusions in §§ 4 AVB                  For payment of the insurance benefits based on permanent disabi-            Niederlassung	für	Deutschland	(Germany	Branch)
   KV E AP, 5 AVB AB E AP.                                                    lity, compliance with the special periods for the assertion of claims
                                                                              is required, cf. § 7 AVB UV E AP.




                                                                                                                -2-
Terms	and	Conditions	of	AGA	International	S.A.,	Germany	Branch,
for	the	Insurance	Cover	for	Exchange	Programmes
Hereinafter	referred	to	as	AGA                                                    §	7	 When	does	AGA	pay	compensation?                                           2. AGA reimburses the costs of medical treatment up to the day
                                                                                  As soon as AGA has determined whether and to what extent it has                    the insured is fit to be transported.
                                                                                  an obligation to indemnify, compensation is paid within two weeks.                 H
                                                                                                                                                                 3.	 	 ospital	per	diem	payment
General	Provisions                                                                                                                                                   If the costs of medically necessary full inpatient medical treat-
AVB	AB	E	11	AP
                                                                                         W
                                                                                  §	8	 	 hat	applies	if	the	insured	person	has	claims	for	damages	                   ment in a foreign country are paid by a third party, AGA will
                                                                                         against third parties?                                                      make a hospital per diem payment for expenses (telephone, TV,
The regulations as stipulated under §§ 1 to 11 below apply to all
                                                                                  1. In accordance with statutory regulations, claims for damages                    additional food also for visitors etc.), maximum € 50, up to 30
AGA insurance products for exchange programmes. The General
                                                                                     against third parties pass to AGA up to the level of payment ef-                days from the commencement of inpatient treatment, unless
Policy Conditions (AVB) printed below apply to the respective insu-
                                                                                     fected, provided that the insured person suffers no disadvantage                otherwise agreed.
rance. Insurance cover is provided if you have contractually agreed
                                                                                     thereby.                                                                    4. In the event of a life-threatening illness of the insured person
the insurance concerned.
                                                                                  2. Upon request by AGA, the insured person is obliged to confirm                   or in case of a period of inpatient treatment lasting longer than
                                                                                     in writing the transfer of claims to this extent.                               ten days, AGA will pay the travelling expenses of a person close
§	1	 Who	is	insured?
                                                                                  3. Any obligations to indemnify arising under other insurance con-                 to the insured person to travel to the place where the hospital is
1. The insured person is the person named, provided that the in-
                                                                                     tracts and by social insurance institutions will have precedence                located and back to his or her place of residence.
   surance premium has been paid, as a language pupil, student,
                                                                                     over those of AGA. If the insured person first presents original            5. The insured person pays the agreed deductible for each insured
   scholar-ship holder, graduate student studying for a doctor’s
                                                                                     bills to AGA for payment, AGA will be deemed to have made                       event.
   degree, guest researcher, practical trainee, voluntary helper,
                                                                                     advance payment.
   exchange	pupil,	participant	in	“Work	&	Holiday”	programmes	as	
                                                                                                                                                                         W
                                                                                                                                                                 §	3	 	 hat	additional	costs	does	AGA	reimburse	under	
   well as a tourist.
                                                                                         W
                                                                                  §	9	 	 hen	does	the	insured	person	forfeit	claims	to	insurance	                        Assistance-Plus?
2. Persons up to the age of 50 upon commencement of insurance
                                                                                         benefits due to a breach of obligations and the statute of              The medical service of the Assistance helps the insured person to
   are insurable, unless otherwise agreed.
                                                                                         limitations?                                                            find medical contacts in the event of acute illnesses and accidents
                                                                                  1. If an obligation is intentionally violated, AGA is released from its        during	 his	 or	 her	 insured	 stay.	 Depending	 on	 the	 preliminary
§	2	 What	is	the	area	of	validity	of	the	insurance?
                                                                                     obligation to indemnify; in case of grossly negligent violation,            diagnosis by telephone, the physician or the hospital located closest
1. Insurance cover is provided worldwide for the temporary stays
                                                                                     AGA is entitled to reduce its payment in proportion to the                  with the highest medical standard is recommended.
     abroad of an insured person (stay outside the insured person’s
                                                                                     seriousness of the fault of the insured person.                             If the insured person follows the recommendation of the Assistance
     home country). If an insured stay abroad is interrupted, insurance
                                                                                  2. The insured person must furnish proof that no gross negligence              the following additional benefits are provided, notwithstanding
     cover is also provided in the insured person’s home country for a
                                                                                     was involved. Except in case of fraudulent intent, AGA is obliged           §§ 1 and 2 AVB KV E:
     period of up to six weeks per insurance year.
                                                                                     to indemnify if the insured person furnishes proof that the viola-          1. Assumption of the documented, necessary telephone costs.
2.	 	Home	 country	 is	 the	 country	 in	 which	 the	 insured	 person	 has	
                                                                                     tion of the obligation is not the cause of either the occurrence or         2. Assumption of the documented travelling expenses to the
    had his or her permanent principal place of residence for at
                                                                                     the determination or the scope of AGA’s obligation to indemnify.                 recommended point of contact.
    least three years in the five years preceding his or her application
                                                                                  3. The claim to an insurance benefit lapses in three years, calcu-             3. Accommodation of one accompanying relative in the hospital or
    for insurance cover. If there was no such residence, the home
                                                                                     lated from the end of the year in which the claim occurred and                   close to the hospital if his or her constant presence is required
    country is any country in which the insured person had his or her
                                                                                     the insured person obtained knowledge of the circumstances                       during the full inpatient treatment of the insured person up to a
    permanent principal place of residence for the longest period
                                                                                     in order to assert the claim, or would have obtained knowledge                   maximum amount of € 80 per day, limited to eight days.
    overall, i.e. even before the 5-year period.
                                                                                     without gross negli-gence.                                                  Or alternatively:
3. Insurance cover is not provided for stays or travel to countries
                                                                                                                                                                 4. Assumption of the documented expenses incurred for visits by
    or destinations for which the Foreign Office has issued a travel
                                                                                        W
                                                                                  §	10	 	 hat	form	must	be	followed	for	submitting	declarations                       an accompanying relative at the location, at a maximum amount
    warning. If an insured person is at such a location when the
                                                                                        of intent?                                                                    of € 25 per day, limited to five days.
    Foreign Office issues a warning, insurance cover ends seven
                                                                                  1. Notices and declarations of intent from the insured person and
    days after the issuance of the warning.
                                                                                     the insurer must be in writing (e.g. letter, fax, e-mail).                         W
                                                                                                                                                                 §	4	 	 hat	limitations	on	insurance	cover	are	to	be	noted?
                                                                                  2. Insurance agents are authorised to accept declarations and                  1. No insurance cover is provided for the following:
§	3	 When	is	the	premium	payable?
                                                                                     forward these to AGA.                                                          a) Medical treatment and other measures ordered by a physician,
The premium must be paid on delivery of the insurance policy.
                                                                                                                                                                        where the purpose of the stay in the agreed area of validity
Insurance cover becomes effective only if the premium was paid
                                                                                         W
                                                                                  §	11	 	 hich	court	in	Germany	is	responsible	for	dealing	with                         was to seek such treatment.
before the start of the stay / start of insurance.
                                                                                         the assertion of claims based on the insurance contract                    b) Medical treatment and other measures ordered by a physician
In case of inclusive insurance cover (=obligatory insurance cover
                                                                                         and which law applies?                                                         that the insured person knew were necessary prior to his or
agreed per group insurance contract), the premium is paid to AGA
                                                                                  1. At the option of the insured person, the courts of Munich or                       her stay in the agreed area of validity or at the time of taking
by the policyholder.
                                                                                      the place in Germany where the insured person has his perma-                      out the insurance or which he or she could have expected in
                                                                                      nent residence or habitual abode at the time the legal action is                  the circumstances of which he or she was aware.
§	4	 When	does	the	insurance	begin	and	end?
                                                                                      brought will have jurisdiction and venue.                                         D
                                                                                                                                                                    c)	 	 ental	treatment	other	than	pain-killing	treatment,	repairs	to	
Insurance cover
                                                                                      T
                                                                                  2.	 	 he	 laws	 of	 the	 Federal	 Republic	 of	 Germany	 apply	 insofar	 as	          dentures and provisional measures.
1. begins at the time stated in the insurance policy (start of insu-
                                                                                      they do not conflict with international law.                                  d) Massage and wellness treatment, fango and lymph drainage
   rance) however not before applying for insurance, not before
                                                                                                                                                                        as well as the purchase of prostheses and other medical aids
   crossing the border and not before the end of any waiting periods.
                                                                                                                                                                        which do not come within the scope of § 2 No. 1 e).
   Waiting periods are calculated from the start of insurance.                    Health	Insurance                                                                  e) Treatment of alcoholism, drug addiction and other addictions
2. ends at the agreed point in time, however at the latest at the end             AVB	KV	E	11	AP
                                                                                                                                                                        or illnesses or accidents caused by the excessive consumption
   of the insured stay in the agreed area of validity or at the agreed
                                                                                                                                                                        of alcohol or drug or medication abuse as well as suicide or
   point in time.                                                                       W
                                                                                  §	1	 	 hat	is	insured?
                                                                                                                                                                        attempted suicide and the consequences thereof.
3. can be extended by a total of 36 months (maximum duration                      The costs of medical treatment for acute illnesses and accidents
                                                                                                                                                                    f) Preventative medical check-ups of pregnancies or compli-
   of insurance) upon application before the expiry of the original               occurring in the agreed area of validity and in the insured period are
                                                                                                                                                                        cations during pregnancy from the 13th week of pregnancy,
   term	of	contract.	However,	the	premiums	as	well	as	the	terms	                  insured. The costs of search, rescue and recovery measures are also
                                                                                                                                                                        childbirth after the 36th week of pregnancy and abortions
   and conditions of insurance applicable on the date when the                    insured in the agreed area of validity and in the insured period up to
                                                                                                                                                                        and the consequences thereof including patient repatriation
   application for insurance is made are valid.                                   € 5,000 if the insured person has to be rescued or recovered after
                                                                                                                                                                        transportation.
                                                                                  an accident or if the insured person is missing and it is feared that
                                                                                                                                                                    g) Treatment or accommodation caused by infirmity, need of
§	5	 In	which	cases	does	insurance	cover	not	apply?                               something has happened to him or her.
                                                                                                                                                                        nursing care or detention.
No insurance cover is provided in the following cases:
                                                                                                                                                                    h) Treatment of mental or emotional disorders as well as hyp-
1.	 	Damage	or	losses	caused	by	strikes,	nuclear	energy,	confiscation	                  W
                                                                                  §	2	 	 hat	costs	are	reimbursed	in	case	of	medical	treatment	in	
                                                                                                                                                                        nosis and psychotherapy which does not come within the
     and other acts by public authorities, as well as damage in regions                 the agreed area of validity?
                                                                                                                                                                        scope of § 2 No. 1 g) and h).
     for	which	the	German	Department	of	Foreign	Affairs	has	issued	a	             1. AGA reimburses expenditures for all necessary medical assis-
                                                                                                                                                                    i) Injuries caused by actively participating in motor sport com-
     travel warning.                                                                 tance in the agreed area of validity, including costs incurred for:
                                                                                                                                                                        petitions and training in connection therewith.
2.	 	Damage	 or	 losses	 as	 a	 result	 of	 acts	 of	 war	 or	 warlike	 events.      a) Outpatient treatment by a physician.
                                                                                                                                                                 2. If the medical treatment or any other measure exceeds the
     However,	insurance	cover	is	provided	if	the	damage	or	loss	oc-                  b) Medical treatment and medication prescribed by a physician
                                                                                                                                                                    medically necessary measure, AGA can reduce the benefit to
     curs in the first seven days after the start of the events. This does              for the insured person.
                                                                                                                                                                    a reasonable amount. The fees and charges invoiced may not
     not apply if the insured person stays in countries in which war or              c) Inpatient treatment in hospital, including operations that
                                                                                                                                                                    exceed the extent considered generally customary and reaso-
     civil war is already being waged or the outbreak of war or civil                   cannot be postponed. In case of premature birth, the costs of
                                                                                                                                                                    nable in the country concerned. Otherwise AGA may reduce the
     war could be foreseen.                                                             necessary treatment of the newborn child abroad will also be
                                                                                                                                                                    reimbursement to customary rates in that country.
3.	 	Damage	or	losses	intentionally	caused	by	the	insured	person.                       covered up to € 100,000, (notwithstanding § 1 AVB AB E AP).
4. Expeditions, unless otherwise agreed.                                             d) Patient transportation deemed medically necessary for in-
                                                                                                                                                                        W
                                                                                                                                                                 §	5	 	 hat	are	the	duties	and	obligations	of	the	insured	person	
                                                                                        patient treatment in the nearest hospital abroad and back
                                                                                                                                                                        in case of damage or loss?
§	6	 	What	are	the	duties	and	obligations	of	the	insured	person	                        to the insured person‘s accommodation.
                                                                                                                                                                 The insured person is obliged to do the following:
      in the event of damage or loss?                                                e) Medically necessary aids (e.g. walking aids, the rental fee for
                                                                                                                                                                 1. Contact the Assistance immediately in the event of inpatient
The insured person is obliged to                                                        a wheel-chair) up to € 250 per insured event.
                                                                                                                                                                    treatment at a hospital, prior to the commencement of any
1. minimise the damage or loss as far as possible and avoid un-                      f) Pain-killing dental treatment, repairs to dentures and provi-
                                                                                                                                                                    extensive diagnostic or therapeutic procedures as an inpatient
   necessary costs;                                                                     sional measures up to € 500 per insurance claim.
                                                                                                                                                                    or outpatient, and prior to any submission of acknowledgements
2. report the damage or loss to AGA without delay;                                   g) Initial outpatient treatment once for an amount not excee-
                                                                                                                                                                    of payment. AGA will reimburse the documented costs for
3. describe the damaging event or the loss as well as the scope                         ding € 1,500 in case of acute mental or emotional disorders
                                                                                                                                                                    making contact up to € 25.
   of the claim and truthfully provide AGA with any and all pertinent                   occurring for the first time.
                                                                                                                                                                 2. Consent to return or repatriation to his or her home country,
   information. The insured person must furnish proof in the form                    h) Inpatient hospital treatment in an emergency once for an
                                                                                                                                                                    assuming the insured person is fit to be transported, if the Assis-
   of original bills and receipts, release physicians from their confi-                 amount not exceeding € 20,000 and patient repatriation
                                                                                                                                                                    tance authorises the return journey in view of the nature of the
   dentiality	 obligation	 as	 necessary	 –	 including	 the	 physicians	 of	            transportation in case of acute mental or emotional disorders
                                                                                                                                                                    illness and the treatment required.
   the	Assistance	–	and	allow	AGA	to	reasonably	examine	the	cause	                      occurring for the first time.
                                                                                                                                                                 3. Submit to AGA the original invoices or duplicates with an original
   and amount of the asserted claim.                                                 i) Preventative medical check-ups of pregnancies or outpa-
                                                                                                                                                                    reimbursement stamp by another insurance company concer-
                                                                                        tient or inpatient hospital treatment in case of complications
                                                                                                                                                                    ning the benefits granted; these will then become the property
                                                                                        during pregnancy up to the 12th week of pregnancy.
                                                                                                                                                                    of AGA.



                                                                                                                     -3-
§	6	 	What	benefits	does	AGA	provide	to	insured	persons	for	                  2. Inpatient treatment                                                            W
                                                                                                                                                         §	7	 	 hat	information	can	be	obtained	from	the	Assistance?
      their stay within Germany?                                                 In case of inpatient treatment of the insured person at a hospital,     Upon request by the insured person, the Assistance will provide in-
Unless otherwise agreed, the following is assumed in Germany:                    the Assistance will provide the following benefits:                     formation on the following:
1. Costs of medical and dental outpatient treatment according to                 a) Support                                                                 T
                                                                                                                                                         •	 	 he	nearest	consulate	(address,	telephone	numbers	and	when	it	
   § 2 at the 1.8 fold rate of the Scale of Medical Fees (GOÄ) or                   As needed, the Assistance will make contact through                     can be contacted).
   Dental	 Fees	 (GOZ)	 at	 the	 maximum;	 mainly	 technical	 medical	              its contract physician with each insured person‘s personal              T
                                                                                                                                                         •	 	 ravel	 warnings	 and	 safety	 information	 issued	 by	 the	 Foreign	
   services are assumed at the 1.3 fold rate at the maximum, labo-                  physician and to the hospital physicians handling the case;             Office	of	the	Federal	Republic	of	Germany.
   ratory services at the 1.15 fold rate at the maximum.                            it will ensure that information is transmitted among the parti-
2. Costs of general hospital services (multi-bed room) for inpatient                cipating physicians. Upon request, the Assistance will inform               H
                                                                                                                                                         §	8	 	 ow	does	the	Assistance	provide	support	in	communica-
   treatment	 based	 on	 the	 Federal	 Regulations	 on	 Hospital	 Care	             relatives of the insured person.                                            tions between the insured person and persons in his or her
   Rates	and	the	Hospital	Fees‘	Act;	expenses	for	optional	benefits	                H
                                                                                 b)		 ospital	visits                                                            home town?
   (treatment as a private patient) are not included in the insurance.              In case of inpatient treatment of the insured person, the            1. Emergency call for travellers via the radio
                                                                                    Assistance will organise travel for a person close to the               If the insured person cannot be contacted, the Assistance will
                                                                                    insured person to the place of inpatient treatment and back             endeavour to issue an emergency call to the traveller via the
Patient	Repatriation	Transportation                                                 to their place of residence upon request.                               radio. AGA will pay the costs of this action.
AVB	RT	E	11	AP
                                                                                 c) Cost assumption statement                                            2. Transmission of travel messages
                                                                                    In case of inpatient hospital treatment, AGA will provide the           If the insured person cannot reach his or her closest relatives
§	1	 	What	is	insured?
                                                                                    hospital with a statement of cost assumption up to € 13,000.            or his or her employer in the event that the travel itinerary is
The insurance covers the following:
                                                                                    This statement does not imply that AGA acknowledges that it             changed or in case of an acute emergency, the Assistance will
1. Patient transportation due to acute illnesses and accidents
                                                                                    has a duty to indemnify. AGA will assume the task of carrying           endeavour to transmit this information.
     occurring during the insured person’s stay.
                                                                                    out settlement with the payer responsible in the name of the
2.	 	Repatriation	of	mortal	remains	in	the	event	of	death.
                                                                                    insured person.
                                                                              3. Patient repatriation transportation
                                                                                                                                                         Luggage	Insurance
§	2	 	What	costs	does	AGA	reimburse	in	the	event	of	patient	                                                                                             AVB	GV	E	11	AP
                                                                                 As soon as medically advisable and appropriate, or if the duration
      repatriation transportation or repatriation of mortal
                                                                                 of the hospital stay is expected to exceed 14 days in the opinion
      remains?                                                                                                                                                 W
                                                                                                                                                         §	1	 	 hat	is	insured?
                                                                                 of the physician giving treatment, the Assistance will organise
AGA reimburses the following:                                                                                                                            Any and all personal items and effects needed by the insured person
                                                                                 return transportation using medically adequate means of trans-
1. The costs incurred for the medically advisable and appropriate                                                                                        in the agreed area of validity, as well as gifts, are deemed insured
                                                                                 port (including air ambulances) to the closest suitable hospital
   return transportation of the insured person to the nearest suitable                                                                                   luggage.
                                                                                 to the insured person‘s place of residence after prior consulta-
   hospital to the insured person‘s place of residence in his or her
                                                                                 tion between the contract physician of the Assistance and the
   home country. In addition, the costs incurred for the medically                                                                                             W
                                                                                                                                                         §	2	 	 hen	does	insurance	cover	apply?
                                                                                 local physicians handling the case.
   advisable and appropriate return transportation will be reim-                                                                                         1. Self-carried luggage
   bursed on request by the insured person if continued hospital                                                                                            The insurer will provide indemnity if luggage carried by the
                                                                                     W
                                                                              §	3	 	 hat	support	does	the	Assistance	provide	to	obtain	neces-
   treatment is expected to exceed 14 days in the opinion of the                                                                                            insured person is lost or damaged during his or her stay in the
                                                                                     sary medication?
   physician handling the case. Irrespective of this, the costs of the                                                                                      agreed area of validity as a result of the following causes:
                                                                              Where possible, the Assistance arranges the procurement of pre-
   return transportation to the insured person’s home country are                                                                                           a) Theft, burglary, robbery, larceny by extortion, intentional
                                                                              scribed medication and its dispatch to the insured person in consul-
   assumed if these remain within the limits of the expected costs                                                                                             damage to property by third parties.
                                                                              tation with the insured person‘s personal physician. The insured per-
   of further treatment.                                                                                                                                    b) Accidents in which the insured person suffers a severe injury
                                                                              son must reimburse the costs of such medication and its dispatch
2. The direct costs for repatriation of the insured person‘s mortal                                                                                            or the means of transport is damaged.
                                                                              to the Assistance within one month after the end of his or her stay.
   remains for burial or, alternatively, the direct costs for burial at the                                                                                 c) Fire, explosion, storm, hail, weight of snow, lightning, high
   place of death, up to the costs of repatriation at the maximum.                                                                                             water, flooding, avalanche, volcanic eruption, earthquake
                                                                                     W
                                                                              §	4	 	 hat	services	does	the	Assistance	provide	in	the	event	of	
                                                                                                                                                               and landslide.
                                                                                     the insured person‘s death?
§	3	 	What	limitations	on	cover	are	to	be	noted?                                                                                                         2. Checked-in luggage
                                                                              If the insured person dies during his or her stay, the Assistance or-
No insurance cover is provided for patient transportation or repatri-                                                                                       AGA will indemnify as follows:
                                                                              ganises burial in the agreed area of validity or repatriation of the
ation of mortal remains on account of the following:                                                                                                        a) If checked-in luggage is lost or damaged while in the custody
                                                                              insured person‘s mortal remains to the place of burial in his or her
1. Medical treatment and other measures ordered by a physician                                                                                                 of a carrier, an accommodation or lodging provider or left-
                                                                              home country in accordance with the wishes of family members.
    where the purpose of the stay was to seek such treatment.                                                                                                  luggage office.
2. Medical treatment and other measures ordered by a physician                                                                                              b) If checked-in luggage does not reach the destination on the
                                                                                     W
                                                                              §	5	 	 hat	benefits	does	the	Assistance	provide	in	case	of	
    which the insured person knew to be necessary before com-                                                                                                  same day as the insured person.
                                                                                     curtailment of the stay and delayed return?
    mencement of travel or at the time of taking out insurance or                                                                                           D
                                                                                                                                                         	 	 ocumented	 expenses	 incurred	 to	 recover	 luggage	 or	 for	 ne-
                                                                              1. The Assistance organises return travel to the insured person’s
    which the insured person had to expect in the circumstances of                                                                                          cessary replacement purchases in order to continue the stay
                                                                                 home country if he or she is unable to complete the stay as
    which he or she was aware.                                                                                                                              are reimbursed at a maximum of 10 % of the sum insured per
                                                                                 planned because he or she, his or her life partner or a member
3. Alcoholism, drug addiction and other addictions as well as                                                                                               insured person and claim.
                                                                                 of the group of people named or a person caring for minors or
    illnesses or accidents caused solely or partly by the excessive
                                                                                 persons requiring nursing care not accompanying the travellers
    consumption of alcohol or drug or medication abuse.                                                                                                         W
                                                                                                                                                         §	3	 	 hich	items	does	the	insurance	not	cover	and	what	
                                                                                 is affected by any one of the following occurrences:
4. Pregnancy complications from the 13th week of pregnancy,                                                                                                     restrictions apply with regard to insurance cover?
                                                                                     D
                                                                                 •	 	 eath
    childbirth after the 36th week of pregnancy and abortions and                                                                                        1. No insurance cover is provided for the following:
                                                                                     S
                                                                                 •	 	 evere	injury	due	to	accidental	causes
    the consequences thereof.                                                                                                                               a) Money, securities, passenger tickets and documents of any
                                                                                     U
                                                                                 •	 	 nexpected	serious	illness.
5. Injuries caused by actively participating in motor sport compe-                                                                                              kind with the exception of official identification documents
                                                                              2. Unless otherwise agreed, AGA pays the additional costs incur-
    titions and training in connection therewith.                                                                                                               and visas.
                                                                                 red for carriage compared to the costs of the originally planned
6. Suicide or attempted suicide and the consequences thereof.                                                                                               b) Motor-driven land, air and water vehicles, including acces-
                                                                                 return journey. If the insured person wishes to continue an ex-
                                                                                                                                                                sories, hunting and sports weapons, including accessories.
                                                                                 change programme which lasts for at least another two months
§	4	 	What	are	the	duties	and	obligations	of	the	insured	person	                                                                                            c) Video, film and still cameras as checked-in luggage, including
                                                                                 after the occurrence of the event described in No. 1, AGA will
      in the event of damage or loss?                                                                                                                           accessories, as well as jewellery and valuables.
                                                                                 reimburse the costs of carriage from the insured person’s home
The insured person is obliged to do the following:                                                                                                              D
                                                                                                                                                            d)		 amage	to	sports	equipment	when	used	according	to	their	
                                                                                 country back to the destination (agreed area of validity).
1. Contact the Assistance immediately in the event of an acute                                                                                                  purpose.
   serious illness or accidental injury.                                                                                                                    e) Financial consequential damages.
                                                                                     W
                                                                              §	6	 	 hat	services	does	the	Assistance	provide	in	case	of	any	
2. Comply with the formalities and other requirements necessary                                                                                          2. No insurance cover is provided in the following cases:
                                                                                     other emergencies?
   for discharge from inpatient treatment and for leaving the country.                                                                                      a) Losses due to forgetting any item, or leaving it lying, hanging
                                                                              1. Alternative booking arrangements
3. Provide AGA with all information required to organise and carry                                                                                              or standing somewhere or by losing the item.
                                                                                 If the insured person misses a booked connection during his or
   out return transportation.                                                                                                                               b) If the insured person caused the occurrence of the insured
                                                                                 her departure or arrival in the agreed area of validity or if the
                                                                                                                                                                event intentionally.
                                                                                 contracted transportation is subject to breakdown or disruption,
                                                                                                                                                         3. Limitations to insurance cover:
Assistance                                                                       the Assistance will help to make alternative bookings. The costs
                                                                                                                                                            a) As self-carried luggage, video, film and still cameras including
AVB	AS	E	11	AP                                                                   of such arrangements and increased travel costs shall be paid
                                                                                                                                                                accessories, as well as jewellery and valuables are insured up
                                                                                 by the insured person. Upon request by the insured person, the
                                                                                                                                                                to a total of 50 % of the sum insured.
§	1	 	What	services	does	AGA	provide	under	the	Assistance?                       Assistance will inform third parties of alterations to the planned
                                                                                                                                                            b) IT equipment and electronic communications and entertain-
1. AGA provides assistance and support to the insured person during              travel itinerary.
                                                                                                                                                                ment devices (including the accessories in each case) as well
   his or her stay in the agreed area of validity in the event of any         2. Loss of payment media (emergency cash) and travel documents
                                                                                                                                                                as software are insured up to a total of 20 % of the sum in-
   emergency defined below and will pay the costs at the amount                  a) If the insured person experiences financial difficulties due to
                                                                                                                                                                sured, however a maximum amount of € 500.
   stated in each case. AGA reserves the right to check coverage.                    loss of personal payment media, the Assistance will establish
                                                                                                                                                            c) Jewellery and valuables are insured only if they are kept
   Services provided and any cost assumption statements made by                      contact with the insured person‘s bank and support said bank
                                                                                                                                                                securely deposited in a stationary locked container (e.g. a
   the Assistance as well as the commissioning of service providers                  in transferring the amount made available to the insured
                                                                                                                                                                safe) or retained securely kept in personal custody.
   do not in principle acknowledge AGA‘s obligation to indemnify                     person. If it is not possible to establish contact with said bank
                                                                                                                                                            d) Spectacles, contact lenses, braces and other medical aids
   based on the insurance contract with the insured person.                          within 24 hours, AGA will provide a bridging loan to the in-
                                                                                                                                                                including accessories in each case are insured up to a total
2. AGA has contracted the Assistance to provide the insured per-                     sured person up to a maximum of € 1,500. This amount must
                                                                                                                                                                of 20 % of the sum insured, however a maximum amount of
   sons of AGA with the services named below on a 24-hour basis.                     be repaid to AGA within one month after the end of the stay.
                                                                                                                                                                € 250.
3. The insured person must immediately contact the Assistance in                 b) If credit cards or Maestrao/EC cheque cards are lost or stolen,
                                                                                                                                                            e) Gifts are insured up to a total of 10 % of the sum insured,
   an emergency in order to use the services.                                        the Assistance will help with arrangements to stop payments
                                                                                                                                                                however a maximum amount of € 300.
4. Insofar as the insured person may be unable to claim the reim-                    against	such	cards.	However,	the	Assistance	will	not	be	liable	
                                                                                                                                                            f) Insurance cover for damage to or loss of luggage during
   bursement of expenditures incurred from either AGA or from                        for proper procedure in regard to stopping payments against
                                                                                                                                                                tenting and camping is provided only where sustained on
   any other payer, the insured person must return the amounts                       such cards or for any financial losses incurred.
                                                                                                                                                                official camping sites.
   to AGA within one month of invoicing.                                         c) If travel documents are lost, the Assistance will help the in-
                                                                                                                                                            g) If the insured person causes the insured event by gross neg-
                                                                                     sured to obtain replacement documents.
                                                                                                                                                                ligence, AGA is entitled to reduce the benefits according to
§	2	 	What	help	does	the	Assistance	provide	in	case	of	illness	               3. Criminal prosecution measures
                                                                                                                                                                the degree to which the insured person is at fault.
      and accident?                                                              If the insured person is arrested or threatened with imprison-
                                                                                                                                                         4. Luggage left in parked motor vehicles
1. Outpatient treatment                                                          ment, the Assistance will help to arrange a lawyer and an inter-
                                                                                                                                                            If luggage is stolen during the insured stay from a parked motor
   Upon request, the Assistance will provide information on the                  preter. AGA will advance up to € 3,000 to cover court, lawyer and
                                                                                                                                                            vehicle and from containers or roof-top or trunk-top carriers
   possibilities of medical care and will provide the name of a                  interpreter fees and, if necessary, up to € 13,000 bail. The insured
                                                                                                                                                            attached thereto that are provided with a lock, insurance cover
   German-speaking or English-speaking physician if possible.                    person shall repay AGA the amounts advanced immediately
                                                                                                                                                            is provided only if the motor vehicle or the containers or roof-
   However,	the	Assistance	will	not	make	contact	with	the	physician.             after the end of the stay, but within three months at the latest.
                                                                                                                                                            top or trunk-top carriers are locked and the damage occurred

                                                                                                               -4-
     between 6.00 am and 10 pm. Where travel is interrupted for            §	3	 	 hat	benefits	does	AGA	pay	in	the	event	of	the	death	of	
                                                                                 W                                                                      Liability	Insurance
     individual periods lasting no longer than two hours each, insu-             the insured person?                                                    AVB	HV	E	11	AP
     rance cover shall also apply during the night.                        Should the accident lead to the death of the insured person within
                                                                           one year, AGA will pay the sum insured as agreed under the                          W
                                                                                                                                                        §	1	 	 hat	risk	does	AGA	assume?
§	4	 	How	much	indemnity	does	AGA	pay?                                     insurance policy or in the overview of benefits to the heirs.                AGA provides insurance cover against everyday liability risks if a third
1. In case of an insurance claim, AGA will pay reimbursement up to                                                                                      party asserts claims for damages against the insured person based
   the amount of the sum insured for the following:                                W
                                                                           §	4	 	 hat	benefits	does	AGA	pay	in	the	event	of	the	permanent	              on a damaging event during his or her stay in the agreed area of
   a) The current value of lost or destroyed goods. The current                    disability of the insured person?                                    validity on the grounds of statutory liability provisions as defined
      value is the amount which is generally required to buy new           Should the accident result in the permanent impairment of the in-            under	private	law.	Damaging	events	are	defined	as	death,	injury	or	
      items of the same kind and quality less an amount approp-            sured person‘s physical or mental abilities (disability), the insured        impairment to health (personal injury) or damage to or destruction
      riate for the condition of the insured item (age, wear and tear,     person is entitled to claim benefits from the sum insured for disability.    of property (damage to property).
      use etc.).                                                               D
                                                                           1.	 	 isability	must	have	occurred	within	one	year	after	the	accident	
   b) The necessary repair costs and any remaining depreciation,               and must be determined by a physician and the claim asserted                     H
                                                                                                                                                        §	2	 	 ow	does	AGA	protect	the	insured	person	against	liability	
      however the current value at the maximum, of damaged                     within a further three months at the latest.                                     claims and to what extent does it pay indemnity?
      items.                                                               2. The disability benefits payable depend on the degree of disability.       1. AGA examines liability claims regard to their validity, wards off
   c) The material value of films, video, audio and data media.                Notwithstanding any evidence substantiating a higher or lower               unjustified claims and reimburses the compensation owed by
   d) The official fees for replacement of official identification             degree of disability, the following fixed scales of disability are          the insured person. AGA reimburses the compensation if it re-
      documents and visas.                                                     applicable:                                                                 cognises its duty to indemnify or approves admission of liability
2. The sum insured must be equal to the full current value of the              a) Loss or incapacity of:                                                   on the part of the insured person. AGA also pays compensation
   insured luggage (insurable value). If the sum insured is lower                  An arm                                         70 %                     if it effects or approves a settlement or where decreed by a court
   than the insurable value upon occurrence of the insured event                   A hand                                         55 %                     ruling.
   (underinsurance), the insurer will only reimburse the damage                    A thumb                                        20 %                  2. If the injured party or his or her legal successor asserts a liability
   based on the sum insured in relation to the insurable value.                    A finger                                       10 %                     claim in court, AGA will conduct the legal dispute at its own
                                                                                   A leg                                          70 %                     expense on behalf of the insured person.
§	5	 	What	are	the	duties	and	obligations	of	the	insured	person	                   A foot                                         40 %                  3. If AGA requests or approves the appointment of a defence coun-
      in the event of damage or loss?                                              A toe                                          05 %                     sel in criminal proceedings against the insured person arising
1. The insured person is obliged to report losses or damage caused                 An eye                                         50 %                     from an insured damaging event, AGA will pay the costs of the
   by criminal acts immediately to the nearest police station res-                 H
                                                                                   	 earing	in	one	ear	                           30	%                     defence counsel.
   ponsible or accessible by submitting a list of all the items lost               Sense of smell or taste                        10 %                  4. If AGA fails to settle a liability claim by admission, satisfaction or
   and have this report confirmed. The insurer is to be provided               b) In case of partial loss or functional impairment of one of these         settlement on account of the resistance of the insured person,
   with a certificate thereof.                                                     parts of the body or sensory organs, the appropriate propor-            AGA shall not be required to pay any additional expenses incur-
2. Lost or damaged checked-in luggage must be reported imme-                       tion will be determined on the basis of the respective percen-          red for the main issue, interest and the costs.
   diately to the carrier, accommodation/lodging provider or left-                 tage as specified under a) above.                                    5. The sums insured as stipulated in the insurance policy or in the
   luggage office. Loss or damage which is not externally visible              c) Should the accident affect parts of the body or sensory organs,          overview of benefits are the maximum limit of benefits payable
   must be reported in writing immediately upon discovery and                      the loss or functional incapacity of which is not specified             by AGA per claim; they are simultaneously the maximum bene-
   in compliance with any complaint deadline, but no later than                    under a) or b) above, the degree of disability will be measured         fits paid for all claims in an insurance year.
   within seven days after receipt of the piece of luggage. The                    by the extent to which the insured person‘s normal physical
   insurer must be provided with appropriate certificates.                         or mental capacity is impaired from a purely medical pers-                 W
                                                                                                                                                        §	3	 	 hat	risks	are	not	insured?
3. The insured person will lose his or her entitlement to insurance                pective.                                                             Insurance cover does not include the following:
   benefits if he or she fraudulently makes false statements in                d) Should the accident result in the impairment of several phy-          1. Liability claims
   connection with the claim, in particular in the loss report, con-               sical or mental functions, the degrees of disability specified          a) insofar as these exceed the scope of the insured person‘s
   trary to his or her knowledge, even if AGA suffers no disadvan-                 under 2) a) to c) will be added together. Such addition will,              statutory liability as a result of contractual or other commit-
   tage as a result.                                                               however, not total more than 100 % disability.                             ments;
                                                                           3. Should the accident affect a physical or mental function already             b) among and between insured persons and those of their
§	6	 How	much	deductible	does	the	insured	person	pay?                          subject to lasting impairment before the accident, an approp-                  relatives (including life partners);
In case of a claim, the insured person pays the agreed deductible.             riate deduction will be made to the extent of such previous                 c) due to transmission of illness by the insured person;
                                                                               disability. Such disability will be measured in accordance with             d) due to damage arising from professional activities.
                                                                               No. 2 above.                                                             2. Liability claims against the insured person
Additional	Luggage	Insurance                                               4. If the insured person should die as a result of the accident within          a) in connection with hunting activities;
AVB	GZ	11	AP
                                                                               one year after its occurrence, there will be no claim to disability         b) due to damage caused to third-party property rented by or
–	only	if	agreed	in	addition	to	tariff	COMPACT	–
                                                                               benefits.                                                                      on loan to the insured person or obtained through unlawful
                                                                           5. If the insured person should die for reasons unrelated to the acci-             interference	 or	 in	 the	 insured	 person‘s	 custody.	 However,
In addition to § 3 No. 3 a) and b) AVB GV E AP, the sum insured
                                                                               dent within one year of the accident or should he or she die more              liability arising from damage caused to rooms in buildings
for laptops as well as for video, film and still cameras with accesso-
                                                                               than one year after the accident and a claim for disability bene-              during a stay in the insured area of validity, in particular to
ries in each case is topped up by the agreed amount.
                                                                               fits had already arisen, benefits will be paid to the extent of the            rented apartments, is insured. If the insured person is accom-
§ 6 AVB GV E AP applies subject to the condition that the insured
                                                                               degree of disability that would have been reasonably expected                  modated with host parents, insurance cover is also provided
person pays the agreed amount of deductible per claim.
                                                                               based on the last medical examination conducted.                               for liability claims based on damage to the movable property
                                                                                                                                                              of the host parents up to the agreed sum; insurance cover
Accident	Insurance                                                               W
                                                                           §	5	 	 hat	limitations	on	benefits	are	to	be	noted?                                is not provided for liability claims based on wear and tear or
AVB	UV	E	11	AP                                                             1. Should illness or ailments have contributed to an impairment of                 excessive use;
                                                                              health or the consequences thereof caused by the accident, the               c) as the owner, possessor, keeper or driver of a motor-driven
§	1	 	What	is	insured?	What	is	an	accident?                                   benefits payable will be reduced in proportion to the contribu-                 vehicle, aircraft or watercraft due to damage caused by the
1. AGA provides insurance benefits from the agreed sum insured if             ting factor of such illness or ailments, provided such factor is at             use	of	such	a	vehicle.	However,	wind-powered	sports	vehicles	
   an accident during the insured person’s stay in the agreed area of         least 25 %.                                                                     and the insured person’s own boats with a hull length of up to
   validity leads to the death or permanent disability of the insured      2. In the event of death or disability due to exposure or frostbite, a             five metres are insured if they are driven without an engine
   person.                                                                    maximum of 10 % of the respective sum insured will be payable                   (also auxiliary engine or outboard engine) or a propulsion unit.
2. An accident is deemed to have occurred:                                    in accordance with § 1 No. 2.
   a) If the insured person involuntarily suffers damage to his or                                                                                             W
                                                                                                                                                        §	4	 	 hat	are	the	duties	and	obligations	of	the	insured	person	
      her health as a result of an occurrence which has a sudden                   W
                                                                           §	6	 	 hat	action	is	to	be	taken	after	an	accident	has	occurred	                    after the occurrence of damage or loss?
      and external impact on his or her body.                                      (obligations)?                                                       An insured event is deemed to be a damaging event that could
   b) If a joint is dislocated or muscles, tendons, ligaments or cap-      The insured person is obliged to do the following:                           entail liability claims against the insured person.
   sules are pulled or torn due to excessive exertion.                     1. Undergo a medical examination by physicians appointed by                  1. Each and every insured event must be reported in writing to AGA
In case of exposure or frostbite, the benefits specified under                 AGA. The necessary costs of such examination and any loss of                immediately.
§ 5 No. 2 are applicable.                                                      income incurred thereby will be borne by AGA.                            2. The insured person must also immediately inform AGA of any
                                                                               R
                                                                           2.	 	 elease	 the	 physician	 giving	 treatment	 or	 carrying	 out	 exami-      initiation of a preliminary investigation or issuance of an order
§2     Under which circumstances does insurance cover not                      nations as well as other insurers and authorities from their pro-           of summary punishment or payment order, even if AGA already
       apply?                                                                  fessional confidentiality obligation.                                       knows about the insured event.
The following is not included in the insurance cover:                                                                                                   3. If a claim for compensation has been asserted against the insured
1. Accidents caused by mental disorders or impairments of con-                    W
                                                                           §	7	 	 hen	does	AGA	pay	permanent	disability	benefits?                          person, he or she must notify AGA thereof within one week after
   sciousness, strokes, epileptic fits or cramps seizing the whole         1. As soon as AGA has received the documents that are to be sub-                the claim is raised.
   body as well as pathological disorders resulting from psychic              mitted by the insured person for the purpose of documenting               4. The insured person must also notify AGA when a claim has been
   reactions. This also applies if the condition is due to the influence      the circumstances and consequences of the accident and docu-                 asserted that involves judicial or state assistance.
   of alcohol or drugs.                                                       menting the completion of the curative treatment necessary for            5. The insured person is obliged to take all possible steps to mini-
2. Accidents suffered by the insured person whilst intentionally              determining the degree of disability, AGA is obliged to declare              mise the loss while complying with AGA‘s instructions and to
   committing a criminal offence.                                             within three months whether and to what extent it recognises                 take every action necessary or useful to clarify the case of loss.
3. Accidents suffered by the insured person as the pilot (also using          a claim.                                                                     The insured person must provide a detailed and truthful loss
   aerial sports equipment) or a crew member of an aircraft.               2. If AGA recognises a claim, benefits will be paid within a period             report, supply information on all circumstances connected with
4. Impairments to health caused by curative measures and other                of two weeks.                                                                the damaging event and submit the corresponding documents.
   interventions performed on the body of the insured person with          3. Within one year after the accident, disability benefits may be            6. If the liability claim is taken to a court of law, the insured person
   his or her agreement, radiation, infections and poisoning, unless          claimed before completion of curative treatment only up to the               shall allow AGA to conduct the proceedings, grant the legal
   these were due to accidental causes.                                       level of the sum payable in the event of death.                              counsel appointed and nominated by AGA full power of attor-
5. Bleeding from inner organs and cerebral haemorrhage, unless             4. The insured person and AGA are entitled to have the degree of                ney to act on his or her behalf and submit all declarations de-
   primarily due to an accident suffered during the insured person’s          disability determined each year by a physician for a period not              emed necessary by the legal counsel or AGA. Without awaiting
   stay in the agreed area of validity.                                       exceeding three years after the occurrence of the accident. To               instructions from AGA, the insured person shall raise objections
6. Pathological disorders as a result of psychological reactions              exercise this right, AGA must state this when submitting the                 within the specified period or seek the necessary legal remedies
   irrespective of the cause.                                                 declaration in accordance with No. 1; the insured person must                against orders for payment of damages decreed by the courts
                                                                              exercise his or her right within one month after receipt of such             or by the state.
                                                                              declaration. Should the final assessment of disability result in
                                                                              higher disability benefits than AGA had already paid, this extra
                                                                              amount will be subject to payment at 5 % annual interest.


                                                                                                             -5-
7. If the insured person obtains the right to demand the cancella-
   tion or reduction of a payable annuity as a consequence of alte-
   red circumstances, the insured person is obliged to allow AGA
   to exercise such right on his or her behalf. The provisions of
   Nos. 3 to 5 apply accordingly.
8. AGA is considered to have full authority to submit all declarations
   on behalf of the insured that it deems suitable to settle or ward
   off a claim.

§	5	 How	much	deductible	does	the	insured	person	pay?
In the event of a claim, the insured person pays the agreed
deductible.




General information in the event of claim
What	do	you	do	in	any	case	of	damage?                                       As a rule, you pay the costs of outpatient treatment to the physician       What	should	you	remember	for	claims	under	the	Accident
The insured person must minimise and document the damage as                 directly. You then submit this bill to AGA for reimbursement. It is         Insurance	or	Liability	Insurance?
far as possible. For this reason, please ensure that you have suitable      possible for the physician to directly bill costs to AGA if the physician   (Accident	Insurance	/	Liability	Insurance)
proof of the occurrence of the damage (e.g. confirmation of damage,         agrees to this. For this purpose please sign what is called an assign-      Please note the names and addresses of witnesses who saw the
medical certificate) and of the extent of damage (e.g. bills, receipts).    ment of claims which the physician then submits to AGA with the             damaging event. Ask for a copy of the police record if the police
                                                                            original bill.                                                              was called in to investigate the matter. Notify AGA and submit these
What	should	you	do	if	you	fall	ill,	injure	yourself	or	any	other	                                                                                       documents and information with your loss report.
emergency	occurs	during	your	stay?	(Health	Insurance	/	Patient	             What	should	you	remember	if	your	luggage	is	damaged	or	
Repatriation	Insurance	/	Assistance)                                        stolen?	(Luggage	Insurance	/	Additional	Luggage	Insurance)
Please immediately contact the Assistance in case of severe injuries        Please immediately notify the transport company if your luggage
or serious illnesses, particularly prior to hospitalisation, so that ade-   is damaged or lost during transport. Should you not discover the            Please	send	the	notification	of	your	claim	with	a	copy	of	the	
quate treatment or repatriation transport can be ensured. For the           damage until later (for example when unpacking) you are required            insurance policy and the other documentation named above to
reimbursement of the costs you have paid at the location, please            to notify the transport company thereof in writing within seven
submit original bills and/or prescriptions.                                 days after receipt of the luggage.                                          AGA International S.A.
Important: The bills must show the name of the person receiving             Important: Airlines and railways issue a confirmation of damage             Schadenabteilung
treatment, the name of the illness, the treatment data and the indivi-      which you must submit to AGA.                                               Ludmillastr. 26
dual medical services provided and the costs of these. Prescriptions        In	 case	 of	 theft and other criminal offences, please immediately         D	-	81543	Munich
must provide information on the medications prescribed, the prices          report this to the nearest police station. Ask for a copy of the police
and bear the stamp of the pharmacy.                                         record or at least a confirmation that an offence has been reported.        Our tip: Report	your	claim	quickly	and	simply	by	internet	under
                                                                                                                                                        www.allianz-assistance.de/schadenmeldung




                                                                                                                                                                                                                               11 STE116 3 0211




                                                                                                              -6-

				
DOCUMENT INFO
Shared By:
Categories:
Tags:
Stats:
views:0
posted:11/8/2012
language:English
pages:6