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.
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
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
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
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
• 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
• 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
• 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-
had his or her permanent principal place of residence for at dence, his habitual place of abode.
• 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: email@example.com
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.
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
§ 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,
exchange pupil, participant in “Work & Holiday” programmes as
§ 3 hat additional costs does AGA reimburse under
well as a tourist.
§ 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
§ 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
§ 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
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
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-
§ 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.
§ 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.
3. Patient repatriation transportation
§ 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
§ 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
§ 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
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
§ 4 hat services does the Assistance provide in the event of
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
§ 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?
childbirth after the 36th week of pregnancy and abortions and 1. No insurance cover is provided for the following:
• evere injury due to accidental causes
the consequences thereof. a) Money, securities, passenger tickets and documents of any
• 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.
§ 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:
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
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.
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
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
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.
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
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
11 STE116 3 0211