INSURANCE TERMS AND CONDITIONS OF TRAVEL 2.4.1. The ... · insured’s flight or cruise was interrupted, if the source and destination countries of the flight or cruise is an area

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Komerční pojišťovna, a. s., se sídlem: Praha 8, Karolinská 1, čp. 650, PSČ: 186 00, IČ: 63998017 ZAPSANÁ V OBCHODNÍM REJSTŘÍKU VEDENÉM MĚSTSKÝM SOUDEM V PRAZE, ODDÍL B, VLOŽKA 3362

INSURANCE TERMS AND CONDITIONS OF TRAVEL INSURANCE of 1th January 2014

Article 1 – Basic provisions 1.1. TRAVEL INSURANCE is private personal insurance against loss and damage related to travelling. The General Insurance Terms and Conditions of Individual Insurance, as well as the Conditions of Insurance Related to Travelling defined in the insurance contract apply to this insurance. 1.2. An insurance contract is entered into for a period stipulated in the insurance contract in accordance with the principles given by the insurer. 1.3. Insurance contracts also include assistance services governed by the Conditions of Assistance Services Provision.

Article 2 – Insurance alternatives 2.1. The insurance can be taken out to cover the insured’s trips and stays abroad with territorial effectiveness for: a) area E covering all the states in the entire territory of

Europe, including the Mediterranean islands and the Canary Islands, Israel, Cyprus, Morocco, Tunisia, Turkey and the European part of Russia up to the Urals and the river Ural, or;

b) area S covering all the states and territories around the world;

or the insurance can be taken out to cover the insured’s stay in the source country with territorial effectiveness for: c) area T covering the territory of the Czech Republic. 2.1.1. The insured’s stay onboard of an aircraft or a seafaring vessel, if the source and/or destination country is a country other than the source country or the insured’s homeland, is also considered the insured’s stay abroad. 2.1.2. The insured’s stay in the transit zone of an airport or a port, regardless of whether or not it is located in area E in which the insured’s flight or cruise was interrupted, if the source and destination countries of the flight or cruise is an area E country or the source country, is also considered the insured’s stay abroad. 2.1.3. The insured’s stay in a means of transport moving in the territory of the source country, if it transports the insured abroad and back as a service included in a foreign tour, is also considered the insured’s stay abroad. 2.2. The insurance can be arranged: a) for one trip or stay of the insured, or; b) for repeated trips of the insured abroad for the period of one

year. 2.3. The insurance for one trip or stay can be taken out for one person or a group of persons named in the insurance contract. 2.4. The insurance for repeated trips abroad applies to an unlimited number of foreign trips that are taken over the course of one year from the day of the insurance period beginning, and start and end in the source country, and the individual length of which does not exceed 42 days. For longer trips, the insurance only applies to the first 42 days of the trip. The insurance for repeated trips cannot be arranged with territorial effectiveness for area T.

2.4.1. The insurance for repeated trips can be arranged as: a) personal non-transferable insurance for one person; b) insurance for two people - this insurance covers two fellow

travellers named in the insurance contract, or possibly the first insured person travelling separately (the person listed first in the insurance contract); if the second insured travels on her/his own, s/he can be insured only if the policyholder – before the trip starts – provably informs the insurer of the insurance contract number, the name and surname and the birth certificate number of the second insured, the destination country, the date when the trip abroad starts and presumably ends, whereas the insurance only applies to the second insured person for the period of this trip;

c) family insurance – the insurance covers a family travelling together the members of which are named in the insurance contract, whereas no more than two can be of full legal age and the other insured persons can only be children up to the age of 17 years inclusive, but the number of them is not limited; the children are insured is they travel together with at least one insured person of full legal age;

d) corporate transferable insurance for one person – the insurance covers one person and is transferable among employees of the policyholder’s company who are aged from 18 to 69 years provided that the policyholder - before the trip starts - provably informs the insurer of the name, the surname and the birth certificate number of the insured, the destination country and the date when the trip abroad starts and presumably ends.

2.5. The insurance can be taken out in alternatives for tourist, sports or business type of trip. 2.5.1. The sports type must be taken out if any sports activities within the meaning of art. 6.2. of the Conditions of insurance related to travelling are planned to be carried out. The insurance for the sports type of trips also applies to activities falling within the tourist type of trips. 2.5.2. If the purpose of the trip is performance of a business or similar activity in return for remuneration, the business type trip must be arranged. The insurance covering a business type trip also applies to activities falling within the sports and tourist types of trips. 2.5.3. The type of trip cannot be selected for the insurance covering repeated trips; this insurance is always taken out to cover the scope of the sports type trip and it also applies to activities falling within the business and tourist types of trips. 2.6. The insurance can be arranged in limit class A or B. If the insurance is taken out for the insured’s stay in the source contract (area T), the insurance is arranged in limit class B. Limit classes determine sums insured or insurance indemnity limits.

Article 3 – Insured risks and options 3.1. The insurance contract with territorial effectiveness of insurance for areas E and S always includes indemnity insurance covering medical expenses according to the CLV clause. 3.2. The insurance contract can include the following optional insurance: � luggage indemnity insurance according to the CPZ clause; � tour cancellation indemnity insurance according to the CSZ

clause – only in insurance for one trip or stay;

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� damage liability indemnity insurance according to the COO clause;

� accident insurance of the agreed sum combined with insurance against death due to injury according to the CUS clause, against permanent consequences of injury according to the CTN clause and against damage due to injury according to the CPU clause;

3.3. To policyholder shall pay the single premium stipulated in the insurance contract as the price of all insurance policies included in the insurance contract.

Article 4 – Insurance contract formation 4.1. The insurance contract is entered into in the mode of concluding an insurance contract on behalf of the insurer, or in the mode of concluding a short-term insurance contract (shorter than 1 year) via an electronic means of communication. 4.2. For the insurance covering one trip or stay, the policyholder must state the required commencement and end of the insurance effectiveness abroad, or the commencement and end of her/his stay in the source country. 4.2.1. The tour cancellation insurance according to the CSZ clause can only be taken out no later than within 3 days following the final settlement of the tour price and no later than within 15 days before the insured starts using the services included in the tour. The effectiveness of the tour cancellation insurance arises at the moment of entering into the insurance contract. 4.3. For the insurance covering repeated trips abroad, the policyholder must state the required commencement of the period for which s/he applies for the insurance covering repeated trips.

Article 5 – Cancellation of insurance 5.1. The tour cancellation insurance according to the CSZ clause – apart from the cases defined in the NOZ (New Civil Code) – is cancelled on the day, stated by the insured in the insurance contract, on which the effectiveness of the insurance abroad, or the stay in the source country, starts. 5.2. Any other insurance covering the stay in the source country is cancelled upon expiry of the end of the insurance effectiveness stipulated in the insurance contract. 5.3. Any other insurance covering trips and stays abroad – apart from the cases defined in the NOZ – is (differently from the NOZ) also cancelled in the following situations: � termination of the trip and stay abroad; � withdrawal of consent to sensitive data processing

(art. 2.8.3. of the Conditions of insurance related to travelling);

5.4. If the insured, owing to the insured event from the medical expenses insurance according to the CLV clause, becomes – from the medical point of view – unable to return to the source country, or to the homeland of the insured, before the end of the insurance period stipulated in the insurance contract, the end of effectiveness of the medical expenses insurance according to the CLV clause is automatically extended until the moment: a) when the insured returns or is transferred to the source

country or her/his homeland, or; b) when the insured deliberately refuses to return or does not

return to the source country or her/his homeland as soon as her/his state of health allows it.

Article 6 – Insurance indemnity 6.1. Medical expenses insurance 6.1.1. If the insured event from the medical expenses insurance according to the CLV clause occurs, the insurer will provide the beneficiary with insurance indemnity in the amount of the cost of the necessary care and treatment directly related to the insured event. Insurance indemnity includes the cost of the necessary examinations, diagnosis, treatment, surgery and related expenses, medicines prescribed by a doctor, hospital stay in a multibed room with usual equipment, and medical aids prescribed by a doctor. 6.1.2. Insurance indemnity also includes reimbursement for the necessary cost of the insured’s transport: a) to a healthcare facility; b) between healthcare facilities; c) from a healthcare facility to the place of the insured’s

temporary stay abroad; d) back to the source country or homeland of the insured. 6.1.3. Insurance indemnity also includes reimbursement for the cost of the chartered transport or taxi services abroad used to take the insured to and from medical checkups during her/his treatment if it was impossible to use a means of public transport. 6.1.4. If the insured is transported back to her/his homeland, the insurer shall cover the cost only up to the amount which it would be obliged to pay for transport to the source country. 6.1.5. If the insured is transported back to the source country or her/his homeland, the insurer shall – in justified cases – cover the cost of transport of another person accompanying the insured. 6.1.6. If the insured dies, the insurer shall provide insurance indemnity in the amount of the cost necessary for temporary storage and/or cremation abroad, and repatriation of the insured’s remains back to the source country or homeland. 6.1.7. If the insured’s corpse is repatriated to the insured’s homeland, the insurer shall cover the cost only up to the amount which it would be obliged to pay for repatriation to the source country. 6.1.8. Insurance indemnity also includes reimbursement for the cost of telephone calls made by the insured or the insured’s accompaniment from abroad, but only the calls to assistance services if they relate to the insured event. The fee for an itemized telephone bill is not covered by the insurance indemnity. 6.1.9. The provision of article 5.1.1. d) of the Conditions of insurance related to travelling shall not be applied to the medical expenses insurance according to the CLV clause unless the insured was directly involved in the terrorist attack or another. 6.1.10. Insurance indemnity does not include the cost of the necessary medical care for the insured covered by the public health insurance. 6.1.11. The amount of insurance indemnity is limited by the limit class stipulated in the insurance contract.

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Limit class

Area E (in CZK)

Area S (in CZK)

Total limit 3,000,000 3,000,000 A of which:

dental treatment 7,500 7,500 Total limit 5,000,000 5,000,000

B of which: dental treatment 7,500 7,500

The limit given for dental treatment applies to one insured person and one insured event. The total limit applies to one insured person and all insured events occurring in the insurance period. 6.2. Luggage insurance 6.2.1. If an insured event from the luggage insurance according to the CPZ clause occurs, the insurer shall provide the beneficiary with insurance indemnity in the amount of the proved damage occurred. 6.2.2. If the insured thing is damaged, the difference between the usual price of the insured thing immediately before the insured event and the usual price of usable remains of the insured thing after the insured event is considered the proved damage. 6.2.3. The insurance is arranged with financial participation of CZK 500 for each insured per one insured event. 6.2.4. The insurance is arranged with insurance indemnity limit of CZK 15,000 for each insured per one insured event. The sum of indemnities provided to one insured for all insured events occurring in the period of the insurance effectiveness can amount to a double of the insurance indemnity limit at most. 6.2.5. The insurance indemnity limit for one thing is CZK 10,000. 6.2.6. For each child aged up to 17 years inclusive who travels together with an adult and is named in the insurance contract, the insurance is arranged with the insurance indemnity limit of CZK 5,000 for one insured event. 6.3. Tour cancellation insurance 6.3.1. If an insured event from the tour cancellation insurance according to the CSZ clause occurs, the insurer shall provide the beneficiary with insurance indemnity in the amount of the actual tour cancellation fees expended in consequence of the insured event, provably paid for cancellation of the insured’s ordered tour, but only after it has been verified that the insured did not take part in the tour; however, up to the stipulated insurance indemnity limit. 6.3.2. Insurance indemnity includes the actual tour cancellation fees paid by no more than one other insured fellow traveller to whom no insured event occurred and who could have otherwise taken part in the tour. The limitation of the number of other insured fellow travellers does not apply to the following persons: the spouse, children, parents, grandparents, siblings and the registered partner of the insured. 6.3.3. Insurance indemnity does not include any increase in the tour cancellation fees caused by breach of the obligation under art. CSZ.5. of the Conditions of insurance related to travelling (late cancellation of the tour).

6.3.4. The insurance is arranged with 20% financial participation of the insurance indemnity. 6.3.5. Insurance indemnity is limited according to the area stipulated in the insurance contract: a) for areas E and T – arranged with limit of CZK 12,500, b) for area S – arranged with limit of CZK 25,000 for each insured person per one insured event. 6.4. Damage liability insurance 6.4.1. If an insured event from the damage liability insurance according to the COO clause occurs, the insurer shall provide the beneficiary with insurance indemnity in the amount of the damage proved. 6.4.2. The insurer provides insurance indemnity to the beneficiary only in money. 6.4.3. The insurance indemnity is arranged with insurance indemnity limits for one insured person for the entire insurance period: � for damage to health CZK 2,000,000, � for damage to a thing CZK 1,000,000, � for other damage CZK 500,000. 6.5. Accident insurance 6.5.1. Sums insured are determined depending on limit classes as follows: a) limit class A:

For adults aged 18 years and above: the sum insured against death due to injury is CZK 100,000; CZK 200,000 against permanent consequences of injury and CZK 20,000 against damage due to injury. For children aged up to 17 years inclusive: the sum insured against death due to injury is CZK 20,000; CZK 100,000 against permanent consequences of injury and CZK 20,000 against damage due to injury.

b) limit class B: For adults aged 18 year and above: the sum insured against death due to injury is CZK 200,000; CZK 400,000 against permanent consequences of injury and CZK 40,000 against damage due to injury. For children aged up to 17 years inclusive: the sum insured against death due to injury is CZK 40,000; CZK 200,000 against permanent consequences of injury and CZK 40,000 against damage due to injury.

6.5.2. Indemnity for death due to injury a) If an insured event from the insurance against the insured’s

death due to injury according to the CUS clause occurs, the insurer shall provide the beneficiary with one-off indemnity in the amount of the stipulated sum insured against death due to injury.

b) If an insured event from the insurance against the insured’s death due to injury occurs and the insurer has already indemnified for permanent consequences of this injury, the insurer shall pay out only the potential difference between the sum insured against death due to injury and the sum already paid out.

6.5.3. Indemnity for permanent consequences of injury a) If an insured event from the insurance against permanent

consequences of injury according to the CTN clause occurs, the insurer shall provide the insured with one-off indemnity in the amount of a percentage of the sum insured

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corresponding for individual damage according to the TN Classification with the scope of permanent consequences.

b) If the TN Classification specifies a percentage range, the amount of indemnity shall be determined so that it matches the nature and extent of the damage caused by the injury within the given range.

c) The amount of indemnity is determined by the insurer on the basis of a medical report on the examination of the insured’s state of health by the healthcare provider designated by the insurer.

6.5.4. Indemnity for damage due to injury a) If an insured event from the insurance against damage due

to injury according to the CPU occurs, the insurer shall provide the insured with one-off insurance indemnity in the amount of a percentage of the sum insured determined according to the PU Classification for the relevant damage.

CONDITIONS OF ASSISTANCE SERVICE PROVISION

Article A – Assistance services A.1. The insured is provided with assistance services in the case of a loss event, emergency or distress. Assistance services are procured by the assistance company which is a contractual partner of the insurer. The call centre operators of the assistance company can speak Czech and other languages and are available 24 hours a day. A.1.1. The assistance service provider is the company AXA ASSISTANCE CZ, s. r. o., Hvězdova 1689/2a, 140 62 Prague 4. To use assistance services, call 272 10 10 11. A.2. Basic assistance services (provided under both limit classes A and B) for the medical expenses insurance The assistance company: a) provides medical advice and information to insured persons

who become ill or whose state of health becomes critical while staying abroad,

b) recommends to the insured which doctor or medical specialist s/he should call, which hospital or healthcare facility in the particular place s/he should contact, etc.,

c) when hospitalisation is necessary, guarantees the payment for services or provides an advance payment and takes care of the financial settlement with the hospital without the insured taking part in it (in accordance with art. CLV.9. f) of the Conditions of insurance related to travelling),

d) in the case of hospitalisation stays in touch with the insured and the persons depending on the insured, or possibly with other involved persons, and the assistance company’s medical team maintains communication with the doctors who provide medical care to the insured,

e) ensures that locally unavailable medicines and medical materials are sent to the insured,

f) if the insured’s health condition so requires, the assistance company organises transport of the insured to the nearest hospital where s/he will be provided with appropriate health care, qualified accompaniment inclusive,

g) if a child aged less than nine years is hospitalised, the insurer shall cover the cost of accommodation of one parent accompanying the child abroad directly in the healthcare facility (or hotel) up to the limit for accommodation of the accompanying person,

h) if the insured’s health condition so requires, the assistance company organises transfer of the insured from abroad to a hospital in the source country or the insured’s homeland, and if the insured’s health condition so requires, it arranges qualified accompaniment during the transfer,

i) if the insured dies, the assistance company organises repatriation of the insured’s remains to a relevant facility in the source country or in the insured’s homeland; or as the case may be, if agreed upon with the relatives, it organises cremation abroad and transport of the urn to the source

country or the insured’s homeland unless otherwise agreed upon between the insurer and the bereaved.

A.3. Above-standard assistance services (provided only under limit class B) a) Legal assistance:

If, following a road traffic accident or owing to any inappropriate administrative complications, the insured is detained, taken into custody, imprisoned, or at risk that such a thing happens, the assistance company designates a legal representative and the insurer covers the cost of legal assistance, however, up to the insurance indemnity limit arranged for legal assistance at most.

b) Visit by a relative: If the insured is hospitalised and her/his health condition prevents her/his transfer back to the source country or her/his homeland and if s/he must stay at hospital longer than ten days, the assistance company arranges a return ticket (fare to and from the place) for one close relative of the insured (spouse, children, parents, grandparents, siblings) so that s/he can see the insured, however, up to the insurance indemnity limit stipulated for the visit by the relative at most. The insurer shall only cover the travel expenses; the cost of accommodation and any other cost are not covered.

c) Substitute employee: If the insurance for the business type trip is arranged and the insured is transferred or repatriated within the meaning of art. A.2. h) or i), the insurer shall cover the fare for the substitute employee, replacing the insured person and taking the insured’s mission over, to the place from which the insured was repatriated, however, up to the insurance indemnity limit stipulated for the substitute employee at most and provided that this service is required immediately after the appointed doctor decided about the repatriation of the insured within the meaning of art. A.2. h) or i).

A.4.

Limit class

Area E (in CZK)

Area S (in CZK)

accommodation of the accompanying person

A per night 2,000 25,000 total 12,000 25,000 accommodation of the

accompanying person

per night 2,000 25,000 B total 12,000 25,000

legal assistance 25,000 25,000 visit by a relative 25,000 25,000 substitute employee 25,000 25,000

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GENERAL INSURANCE TERMS AND CONDITIONS OF INDIVIDUAL INSURANCE as of 01/01/2014

Article 1 – Opening and general provisions 1.1. This private insurance (hereinafter referred to as “the insurance”), provided by Komerční pojišťovna, a. s., company registration number 63998017, registered address: Karolinská 1/650, 186 00 Prague 8 (hereinafter referred to as "the insurer"), is regulated especially by Act No. 89/2012 Coll., the Civil Code (hereinafter referred to as “the NOZ”) and by the insurance contract of which these insurance terms and conditions form an integral part. If the insurance also includes assistance services, the conditions of providing these assistance services also form an integral part to the insurance contract. 1.2. This insurance, as well as the rights and duties arising from it, follow the legislation of the Czech Republic (hereinafter referred to as “the CR“). In case of any legal disputes, the courts of the Czech Republic are the relevant courts of law. 1.3. The Czech language is the language of communication. 1.4. All amounts and payments related to the insurance are written and paid in the currency valid in the territory of the CR. 1.5. The effectiveness of the insurance is not restricted by the territory, unless the insurance contract stipulates otherwise. 1.6. Legal actions the content of which causes no inception, change, cancellation of the insurance, or assertion of the right to insurance indemnity, do not have to be made in writing if they are taken in a form enabling to capture the content. 1.7. If another legal regulation governing legal actions of the policyholder, the insured or the beneficiary (hereinafter referred to everybody as “the Client“) obliges to meet another duty or to render assistance to the insurer in meeting the insurer’s obligations, but the Client fails to meet her/his duty or to render assistance within her/his legal actions, then the time period before the fulfilment of this duty or the rendering of assistance by the client shall be considered default of the Client. 1.8. Unless the legal regulation specifies a special form of the power of attorney so that it can come in force (e.g. notarial deed), the power of attorney granted by the Client to the authorised person has to be specific and definite, properly signed by the Client and accepted by the authorised person. The Client’s signature on the power of attorney must be authenticated. 1.9. The insurance contract may stipulate the time period according to an insurance month/year. An insurance month/year commences on the day the number of which matches the day of the insurance beginning specified in the insurance contract. If there is no such day in the last month, then the insurance month/year commences on the last day of the month.

Article 2 – Inception of insurance and changes ther eto 2.1. Insurance commences at 00:00 am on the day stipulated in the insurance contract as at the insurance inception day. 2.2. The process of entering into an insurance contract may follow various modes.

2.2.1. Mode of entering into an insurance contract on behalf of the insurer 2.2.1.1. An insurance contract draft is prepared by the insurer’s employee, or by an insurance intermediary authorised by the insurer, on behalf of the insurer; this person also submits the draft to the future policyholder (insurance applicant) for acceptance. 2.2.1.2. Starting from the date of the draft submission, the policyholder has 1 month to accept it, unless the draft stipulates a period longer. In the course of this time period, the policyholder either: a) accepts the draft by signing the original copies and

returning at least the one intended for the insurer to the insurance intermediary, or delivering the signed original copy directly to the insurer, or

b) accepts the draft by remitting the premium to the insurer’s account, or

c) does not respond to the draft within the given period, or refuses it or changes it in any other way by which the draft is considered refused and no insurance contract is entered into.

2.2.1.3. If the policyholder accepts the draft by signing it or by paying the premium, the insurer will issue and deliver, without undue delay, a policy to the insured as a confirmation that the insurance contract has been entered into. 2.2.2. Mode of submitting an insurance contract draft to the insurer 2.2.2.1. The insurance contract draft shall be prepared by an insurance intermediary together with the future policyholder (insurance applicant) and submitted to the insurer to examine it and accept it, if possible. 2.2.2.2. Starting from the date of the draft submission, the insurer has 1 month to accept it, unless the draft stipulates a period longer. In the course of this time period, the insurer either: a) accepts the draft by issuing and delivering a policy to the

policyholder as a confirmation of entering into the insurance contract, or

b) does not respond to the draft within the given period by which the draft shall be considered refused and no insurance contract is entered into, or

c) prepares a new draft and delivers it to the policyholder. 2.2.2.3. Unless the new draft provides otherwise, the policyholder has 1 month to accept the new draft. During this period the policyholder: a) accepts the new draft by signing the original copies and

returning at least the one intended for the insurer to the insurance intermediary, or delivering the signed original copy directly to the insurer, or

b) accepts the new draft by remitting the premium to the insurer’s account if the new draft explicitly permits it, or

c) does not respond to the draft within the given period, or refuses it or changes it in any other way by which the new draft is considered refused and no insurance contract is entered into.

2.2.2.4. If the policyholder accepts the new draft by signing it or by paying the premium, the insurer will issue and deliver, without undue delay, a policy to the insured as a confirmation that the insurance contract has been entered into.

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2.2.3. Mode of entering into a short-term insurance contract (shorter than 1 year) using electronic means 2.2.3.1. The insurance contract draft is prepared, on behalf of the insurer, using a web application on the Internet portal (hereinafter referred to as “the electronic system“), then it is submitted to the future policyholder (insurance applicant), based on her/his requirements, applying means that enable the content to be recorded. 2.2.3.2. A time limit for accepting the draft runs for the policyholder from the required beginning of the insurance period. If the policyholder chooses the day of the insurance period commencement in the period from the draft submission until the following working day, the time limit for the draft acceptance will be extended to the 2nd working day following the day of commencement. In the course of this period, the policyholder accepts the draft: a) by remitting the premium to the insurer’s account, or b) the policyholder does not pay the premium in this period of

time by which the draft is considered refused and no insurance contract is entered into.

2.2.3.3. If the policyholder accepts the draft by paying the premium, the insurer will, without undue delay, issue the policy and deliver it to the policyholder as a confirmation of entering into the insurance contract. 2.3. The insurer is obliged to express its opinion on the application for a change of insurance within 3 months of the day on which the application was delivered to the insurer. Unless the insurer provides its opinion within this period of time, it is deemed that it does not agree with the content of the application. 2.4. Provisions on entering into an insurance contract apply similarly to entering into amendments to insurance contracts. 2.5. If the participants agree on a change of the scope of insurance in the course of its existence, these changes come into force at 00:00am of the day specified in the particular insurance contract amendment.

Article 3 – Duty to answer questions truthfully 3.1. The insurance applicant, the policyholder and the insured are obliged to truthfully reply to the insurer’s written questions, to provide complete information and not to conceal any substantial piece of information, or to submit the documents necessary for this purpose. 3.2. The facts ascertained by the insurer from these answers may only be used for the purposes of the insurer’s legitimate interests and fulfilment of statutory obligations, otherwise they may solely be used with the consent of the person whom the information concerns.

Article 4 – Premium, method of its payment and consequences of non-payment 4.1. The policyholder is obliged to pay premiums for stipulated insurance terms (periodic premium) or a single premium for the entire insurance period (single premium). 4.2. By this contract, the policyholder undertakes to pay premiums to an account specified by the insurer, in the stipulated amount, using the stipulated method, in a due and timely manner and stating correct payment symbols.

4.3. The policyholder is responsible for correct indication of payment symbols for the payment of the premium enabling the identification of the payment at the insurer’s account, including the consequences related thereto. 4.4. The insurer has the right to refuse, without undue delay, a payment of the premium credited from an account with a financial institution outside the CR and remitted via a provider of postal services from abroad or made by a cash deposit. 4.5. The periodic premium always becomes due on the first day of the insurance term. The single premium becomes due on the first day of the insurance period. Any premium that should become due before entering into the insurance contract becomes due on the day following the entering into the insurance contract. 4.6. The contracting parties have agreed that the insurer accommodates its claims for premiums, starting from the oldest one, by payment of the premium in the order in which they have been credited to its account. 4.7. The insurer has the right to reduce insurance indemnity by any due premium and by any other payable claims concerning the insurance. 4.8. If the insurance has been cancelled, the insured becomes obliged to return any overpayments of the premium or any unearned premiums to the policyholder. However, the insurer has no obligation to return to the policyholder any overpayments of the premium or any unearned premiums up to CZK 100 inclusive.

Article 5 – Insured event 5.1. An insured event is an unexpected event, i.e. it cannot be foreseen when it happens or whether it will happen at all, and it corresponds with the definition of the insured risk as specified in the insurance contract. Only an uncertain event occurring independently of the insured’s or the beneficiary’s will can be considered an insured event. 5.2. The insured event is defined for each insurance arranged separately. Several insured events may arise from the very same cause simultaneously. 5.3. The beneficiary is obliged to prove to the insurer that the insured event, corresponding with the definition in the insurance contract, has occurred. Once the occurrence and the scope of the insured event have been proven, the insurer becomes obliged to provide insurance indemnity. 5.4. Beneficiary 5.4.1. If the insured event occurs, the person stipulated in the insurance contract becomes entitled to insurance indemnity. If this person is not explicitly specified in the insurance contract, the right to insurance indemnity arises to the insured. 5.4.2. If the insured event is the death of the insured, the right to insurance indemnity arises to the appointed person. If no appointed person was designated by the policyholder, or if the right to indemnity does arise to this person, then right to insurance indemnity arises to the persons specified under sec. 2831 of the NOZ.

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5.4.3. The person, whose right to indemnity shall arise due to the death of the insured person, does not acquire this right if s/he causes the death of the insured by an intentional criminal act for which her/his guilt will be ascertained by the court, or if she instructs a third party to do so.

Article 6 – Pledge charging a claim from an insuranc e contract, assignment of a debt from an insurance co ntract 6.1. If having the consent of the insured, the policyholder has the right to assign or pledge the claims or any other rights from insurance which can be expressed in monetary terms (hereinafter referred to as “the rights“). 6.2. The security interest or assignment of the claim towards the insurer comes into effect at the moment when the policyholder informs the insurer of this fact, or possibly when the creditor proves the assignment of the claim, or formation of the pledge, to the insurer. 6.3. If the claim has been assigned, the insurer will pay insurance indemnity to the person to whom the right has been assigned within the scope of assignment. 6.4. If the claim has been pledged, the insurer will pay insurance indemnity to the person who holds the security interest and up to the amount of the legitimate claim pledged. 6.5. The potential positive difference between the amount of indemnity and the amount of the legitimate claim of the creditor or the assigned claim of the assignee, the insurer will pay this positive difference to the beneficiary.

Article 7 – Delivering to the Client 7.1. Legal arrangements, announcements or any other information (hereinafter referred to as “the written documents“) intended for the Client can be sent by the insurer to a previously agreed mailing address, or to the last known residence address (hereinafter referred to as “the delivery address“) of the Client, via a provider of postal services (hereinafter referred to as “the post“), or delivered to the Client to her/his own hands through the insurer’s employee or any other authorised person. 7.2. The Client is obliged to notify the insurer of a change in the delivery address without undue delay. 7.3. The policyholder is obliged to ensure that s/he has a delivery address in the territory of the CR for the entire period of the insurance duration. 7.4. The insurer’s written document sent to the Client by recorded delivery (unless it is an item sent by recorded delivery with delivery confirmation according to art. 7.5.) is considered delivered on the seventh day following the sending of the document. 7.5. The insurer’s written document sent to the Client by recorded delivery with delivery confirmation is considered delivered: a) on the day of receipt which is written on the delivery

confirmation if it precedes the delivery day specified according to c);

b) on the day when the Client refused to accept the delivered item if it precedes the delivery day specified according to c);

c) on the seventh day following the day when it was deposited by the postman at the post office relevant for the Client,

even if the Client did not pick up the deposit within the deposit period or picked it up after the expiry of the seventh day of the deposit period;

d) on the day on which the item is sent back as non-deliverable due to other reasons.

7.6. The Client has the right to invoke the nullity of the contractual presumption of delivery time set according to articles 7.4. and 7.5. only if s/he proves the existence of objective reasons that prevented her/him from ensuring the delivery of the item, acceptance of the item or collection of the deposited item at the relevant post office, or resulted in the non-deliverability due to other reasons. 7.7. Delivering via electronic means 7.7.1. Written documents for which no written legal form is required can be sent by the insurer to the Client via electronic means provided that the Client has stated her/his electronic address. 7.7.2. The Client is obliged to notify the insurer, without undue delay, of any change in the electronic address. Even a telephone number that is capable of receiving short text messages (SMS) is considered an electronic address. 7.7.3. The insurer’s written document sent to the Client by electronic means is considered delivered on the day following the sending to the last known electronic address of the Client. 7.7.4. The Client has the right to order the insurer to stop sending the documents via electronic means any time. However, the Client has no right to request sole delivering via electronic means from the insurer.

Article 8 – Delivering to the insurer 8.1. All written documents of the Client intended for the insurer have to be delivered by post to the address of Komerční pojišťovna, a. s.: Palackého 53, 586 01 Jihlava, unless it is stipulated otherwise in the insurance contract or hereafter. 8.2. Delivering by insurance intermediaries 8.2.1. If the insurance contract was entered into by an insurance intermediary, the Client may deliver written documents for the insurer through the insurance intermediary as well. 8.2.2. If the insurance intermediary acts on the basis of the contract entered into with the insurer (as an agent), the item is considered delivered on the seventh day following its provable delivery to the intermediary. 8.2.3. If the insurance intermediary acts on the basis of the contract entered into with the Client (as a broker), the item is considered delivered on the third working day after it was provably sent to the insurer by the insurance intermediary. 8.3. Delivering via electronic means 8.3.1. The client can be engaged in legal negotiations and deliver their content intended for the insurer via electronic means provided that the execution of the particular legal act explicitly allows that. 8.3.2. An electronic system is such a communication tool, including an electronic system of the third party (e.g. tool for direct banking of Komerční banka, a.s.), enabling the recording of the Client’s legal actions, the identification and records are made

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systematically and sequentially and are protected against changing. 8.3.3. If the Client acts through such an electronic system, the item is considered delivered to the insurer on the first working day following its provable sending. 8.4. Delivering via electronic means 8.4.1. Written documents, the printed written legal form of which is not required, can be sent by the Client to the insurer via electronic means using provided electronic addresses. 8.4.2. The Client’s written document sent to the insurer by electronic means is considered delivered on the day following the sending to the electronic address of the insurer.

Article 9 – Personal data processing 9.1. Processing of personal data in connection with the insurance contract 9.1.1. The Client’s personal data, within the meaning of section 4a) of Act No. 101/2000 Coll. governing the personal data protection (hereinafter referred to as “the ZOOU“) – except for the sensitive ones – provided by the Client to the insurer in relation to entering into the insurance contract, or which the insurer obtained in any other legal way, or created by processing the data obtained in this way, will be processed by the insurer, or by the administrator entrusted by the insurer, in compliance with the ZOOU, in order to be used within the subject-matter of the insurer’s business, i.e. for processes directly or indirectly related to insurance or reinsurance activities. Within the meaning of section 27 of the ZOOU, the insurer has the right to transfer the insured’s personal data to other states for the purposes of reinsurance. The insurer will process the Client’s personal data in the given way and in the scope stipulated in the insurance contract, for the period necessary to ensure all the rights and duties arising from the insurance obligation relationship. 9.1.2. The insurer has the right to process the personal data of the Client to the given extent and for the given purpose even without the express consent of these persons. 9.2. Consent to sharing the data within the group 9.2.1. The Client grants in the insurance contract her/his consent that her/his personal data – if s/he is a natural person – or its personal data – if it is a legal person – can be processed by the insurer and any other Administrator, and mutually shared between them for the purposes of improving the quality of care for the Client, performance of Marketing activities, informing of other Administrators about the solvency and credibility of the Client and analysing this data. The Client agrees that the Administrator can process the personal data about her/him (natural person) or it (legal person) for the purposes and in the scope specified above for the period from the granting of this consent until 4 years have expired of the end of the last contractual or any other legal relationship with any of the Administrators. 9.2.2. The consent of the Client, according to art. 9.2.1., is effective only in relation to the Client who has entered with the insurer into the contract or amendment to the existing contract of which these insurance terms and conditions form an integral part, and no sooner than on the day on which these insurance terms and conditions come into effect, or who additionally grants her/his consent to the existing contractual relationship. For the Client

who has signed, refused to sign or withdrawn such consent previously, the legal status of the consent granted, refused or withdrawn shall remain unaffected by the change in the insurance terms and conditions. 9.2.3. This consent to the data processing, granted principally in compliance with current Acts No. 277/2009 Coll., governing the insurance business, the NOZ, No. 480/2004 Coll., governing certain services of an information society, and the ZOOU, is voluntary and the Client has the right to withdraw it in relation to any of the Administrators any time. The withdrawal of the consent must be made in writing. The provision of personal data is voluntary unless the generally binding legal regulation stipulates otherwise. 9.3. The Client is obliged to inform the insurer of any change in the processed personal data without undue delay. 9.4. The Client’s personal data is processed to such an extent in which the Client has provided them or the policyholder has provided them on the Client’s behalf in relation to: a) application for a contractual or any other legal relationship, b) any contractual or any other legal relationship concluded

between her/him and the Administrator, or c) which the Administrator collected otherwise and processes

in compliance with current legislation for the following purposes: i) purposes included within the consent of the insured, ii) negotiations on the contractual relationship, iii) fulfilment of the contract, iv) protection of vital interests of the Client, v) authorised disclosure of personal data, vi) protection of the rights of the Administrator, recipient or

other persons involved, vii) archiving kept as required by the law, viii) offering of deals or services, ix) provision of the name, surname and address of the Client for the purpose of offering deals and services in compliance with the generally binding legislation.

9.5. If the Client so requests in writing, s/he has the right, in compliance with current legislation, to receive from the insurer information on the personal data processed about her/him, the purpose and nature of the personal data processed, on the recipients of such data and on the Administrators. The Client is further entitled to demand from the insurer a correction of the personal data if s/he ascertains that the data processed by any of the Administrators does not correspond with reality. If the Client ascertains or suspects that the Administrator processes her/his personal data in violation of the protection of private and personal life, s/he has the right to request an explanation from the insurer, or more precisely has right to request that the insurer remedies such defects. Regardless of previous provisions of this Article, the Client has the right to contact the Office for Personal Data Protection and request the Administrator to take remedial action. 9.6. For the purposes of this article, the following is understood: � Administrator – Insurance Company, Société Générale SA,

B 552 120 222, a company founded and existing according to the law of the French Republic, residing at: 29, Boulevard Haussmann, 75009 Paris (SG), Members of FSKB, Persons controlled by SG and Investiční kapitálová společnost KB, a. s., company registration number 60196769;

� Marketing activities – activities the purpose of which is to inform Clients about products and services of the Administrator, to present offers to order, to mediate or

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procure these products and services, and to evaluate the data relevant for these purposes, including via email;

� Members of the Financial Group of the Bank (Members of FSKB), especially Komerční banka, a. s., company registration number (IČ) 45317054 (Bank); Modrá pyramida stavební spořitelna, a. s., company registration number (IČ) 60192852; KB Penzijní společnost, a. s., company registration number (IČ) 61860018; ESSOX s. r. o., company registration number (IČ) 26764652, , and other entities in which the Bank has or will acquire an equity interest of a direct or indirect share in their registered capital;

� Entities controlled by SG – entities which SG controls and which, at the same time, either (i) have or acquire an equity interest in entities with their registered office in the Czech

Republic consisting of a direct or indirect share in their registered capital, or (ii) have their registered office in the Czech Republic. If such an entity is an FSKB member, this entity is listed in the specification of FSKB Members;

� Personal Data – name, surname, address, date of birth, birth certificate number, connection details, financial standing and credibility of the Client – natural person, no sensitive personal data;

Data on legal entity – the identification data of the Client - legal person, especially: business name, place of business/company address, company registration number (IČ), date of foundation, type of business, contact details, information about the solvency and reliability of the Client.

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CONDITIONS OF INSURANCE RELATED TO TRAVELLING as of 1st January 2014

Article 1 – Insured person 1.1. The person named in the insurance contract is the insured person.

Article 2 – Sensitive data processing 2.1. The insurer has the right to ascertain the state of health of the insured as well as other information about the insured when providing assistance services during the insurance existence or when paying out insurance indemnity. 2.2. By using the assistance services or exercising the right to insurance indemnity by the insured the insurer becomes entitled to require reports on the insured’s state of health from the healthcare facilities in which the insured is treated, was treated or is registered. 2.3. At the insurer’s request, the insured, or the beneficiary, is obliged to procure at her/his own expense the necessary medical documentation required by the insurer. 2.4. The insurer can ask the insured to undergo examinations (or more precisely, examination at the provider of healthcare services designated by the insurer. The insurer does not reimburse for the cost of the insured’s transport. 2.5. The insurer’s right to ascertain and investigate the insured’s state of health shall mainly be used when handling a claim – even after the death of the insured. 2.6. The period when it is temporarily rendered impossible to ascertain and investigate the insured’s state of health owing to reasons on the part of the insured, her/his healthcare provider or the beneficiary is considered default of the creditor even if the situation was not the creditor’s fault. 2.7. The information obtained by the insurer when ascertaining the state of health may only be used to meet the insurer’s obligations arising from the insurance contract and to ensure the insurer’s legitimate interests, otherwise solely with the insured’s consent. 2.8. Consent to medical data processing in connection with the insurance contract 2.8.1. The insured, or the beneficiary on behalf of the insured, grants to the insurer by exercising the entitlement to insurance indemnity her/his consent to obtain information about her/his state of health via the healthcare provider appointed by the insurer and authorises all the inquired insured‘s healthcare providers, physicians, institutions, medical establishments and health insurance companies to provide this information to the insurer even after the death of the insured person. 2.8.2. The insured, or the beneficiary on behalf of the insured, hereby grants the insurer her/his explicit consent to process the insured’s personal data concerning her/his state of health (sensitive data within the meaning of s. 4b of the Personal Data Protection Act) which s/he provided to the insurer in connection with the insurance, or which the insurer obtained in the above described way or created by processing the data acquired in this way. This sensitive personal data will be processed by the insurer or an administrator entrusted by the insurer in order to be used within the subject-matter of the insurer’s business, i.e. for processes directly or indirectly related to insurance or

reinsurance activities. The insurer has the right to transfer the sensitive data of the insured, to the necessary extent, in accordance with the meaning of s. 27 of the Personal Data Protection Act, to other states for the purposes of reinsurance. 2.8.3. The granting of the consent to obtain and process sensitive data in the scope specified above is a condition for exercising the right to insurance indemnity. However, the insured has the right to withdraw the granted consent any time. The withdrawal of this consent can solely be made in writing, best sent as a registered letter to the address of the insurer. The withdrawal of this consent results in extinguishment of the beneficiary’s entitlement to insurance indemnity as at the day on which the insured withdrew her/his consent in writing, however no sooner than as at the day on which this withdrawal was delivered to the insurer. In this case, the insurer is entitled to premiums for the period of the insurance duration. 2.8.4. The situation when it is rendered impossible to ascertain and investigate the insured’s state of health owing to reasons on the part of the insured which seems to be of a permanent nature is considered a withdrawal of the consent to the sensitive data processing as at the day on which the insurer learnt of this fact.

Article 3 – Insured risks related to travelling 3.1. Insured risks are potential causes of insured events to which the insurance contract applies and they are explicitly specified in the insurance contract. 3.2. The insurer is obliged to provide insurance indemnity only if the loss event occurring from the insured risk meets the conditions of the insured event defined by the insurance contract and the respective clause, and no insurance exclusion applies to it, unless the insurance contract stipulates otherwise. The insurance contract may limit the insured event’s occurrence only to a specific event or a related fact (e.g. traffic accident, temporary stay abroad, use of an assistance service, etc.). 3.3. Injury 3.3.1. Injury is an unexpected and sudden impact of external forces or the insured’s own physical force independent of the insured’s will, or unexpected, continuous and independent of the insured’s will impact of high or low external temperatures, gases, fumes, radiation (excluding nuclear), electricity and poisons (excluding microbial poisons and immunotoxic substances) causing damage to the insured’s health or the insured’s death during the insurance period. 3.3.2. Death by drowning, near drowning and strike of lightning are also considered an injury provided that they occur independently of the insured’s will. 3.3.3. To eliminate any doubt, the following cases are not considered injury: suicide, attempted suicide, intentional self-inflicted injury and judgement of the declaration of the death of the person. 3.3.4. The following is not considered an injury: a) formation and aggravation of hernias and tumours of all

kinds and origins, of varicose ulcers, diabetic gangrenes, formation and aggravation of aseptic inflammations of tendon sheaths, bursitis, synovitis, epicondylitis, spinal disc prolapse and thereto related problems, including vertebrogennic algic syndromes – even if the listed problems have been provoked by injury or a sudden vascular accident;

b) mental or psychiatric disorders – even if induced by an injury;

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c) collapses, epileptic or other fits and spasms affecting the whole body – unless they occur as a sole result of an injury;

d) infectious diseases – even if transmitted by wounds caused by an injury;

e) work-related injuries and diseases – unless they are of injurious nature as defined in these insurance terms and conditions;

f) aggravation or manifestation of a disease as a result of an injury;

g) heart attacks or brain strokes. 3.4. Territories and areas 3.4.1. In the insurance contract, the territorial effectiveness of the insurance for a particular insured risk can be determined depending on the insured’s homeland. 3.4.2. The homeland of the insured means the territory of the country in which the insured: a) is or should be, in compliance with the local legislation, a

participant of the public health insurance, or; b) has her/his usual residence. 3.4.3. The source country means the territory of the Czech Republic, unless otherwise agreed upon in the insurance contract. 3.4.4. A place abroad means any place which is neither the insured’s homeland nor the source country.

Article 4 – Obligations in asserting the right to i nsurance indemnity for an insured event 4.1. If a loss event occurs, (if it is a condition for the insured event’s occurrence) the insured is obliged, without undue delay, to notify the assistance company over the telephone from abroad of the loss event’s occurrence; having the insured returned to the source country or her/his homeland, s/he or the beneficiary is obliged to prove without undue delay the occurrence of the insured event to the insurer by submitting the relevant documents. 4.2. Before the settlement of the claim, the insurer has the right to require of the insured and/or the beneficiary who is/are obliged to meet the insurer’s requirement, the submission of originals and, in justifiable cases, of certified copies of documents. If the relevant document is produced in a foreign language, the insured and/or the beneficiary is/are obliged to procure its certified translation into the Czech language and submit it together with the original document. 4.3. The insurer has the right to require other documents to be submitted if it is necessary for the proving of the insured event’s occurrence. 4.4. The insured is obliged to undergo, at the insurer’s request, a medical examination at the healthcare provider appointed by the insurer, to prove her/his identity by showing the ID or any other valid identification document to the physician. If the insured refuses to undergo the checkup or fails to provide the necessary information and documents, the insurer can proportionally reduce the insurance indemnity or, in justified cases, even refuse to pay out the indemnity at all. 4.5. Unless these obligations have been met, the insurer provides no insurance indemnity, or suspends the payment until the prescribed obligations are met.

Article 5 – Exclusions and limitations of insurance indemnity 5.1. Exclusions and limitations 5.1.1. The insurer does not indemnify for the following loss events occurring: a) as a consequence of warlike events, other armed

conflicts and national riots, including related military, police and administrative measures,

b) as a consequence of uprisings, insurrections, demonstrations, strikes,

c) as a consequence of intervention of the state or official powers,

d) as a consequence of terrorist attacks and other violent actions with political, social, ideological or religious motivation,

e) as a result of nuclear energy, radiation, exhalation and emissions,

f) as a result of vandalism, g) as a result of the HIV (AIDS) illness, infectious venereal

disease and their consequences, h) during a trip that the insured starts after the Ministry of

Foreign Affairs of the Czech Republic, or government bodies of other states or important international organizations, announce that it is not recommended for citizens of the Czech Republic to travel to the particular country or region (e.g. because of a war, civil uprising, natural hazards, epidemic etc.).

5.1.2. The insurer is not obliged to indemnify if the loss occurred as a result of: a) the insured deliberately breaching legal regulations of the

country (e.g. driving a motor vehicle without the prescribed driving licence);

b) the insured violating the public order or property or committing a crime,

c) loss or damage events caused deliberately by the insured, d) loss events deliberately provoked by the insured or another

person, e) the insured participating in attempts at achieving or

exceeding a speed record or in any other activities with similar goals,

f) intentional self-inflicted injury, suicide or attempted suicide. 5.1.3. Unless agreed upon otherwise, the insurer does not indemnify for losses occurring in physically demanding sports activities and activities generally regarded as risk or adrenaline. A sports activity also means the insured’s activity in the role of an organiser of a sports event if it entails a physically demanding activity (e.g. a football referee) or if the insured can be directly endangered by the moving sports equipment (e.g. a javelin) or the sportsman (e.g. an alpine skier). 5.1.4. The insurer also does not indemnify for losses occurring: a) when driving a means of transport off the road or in places

where the driving of a means of transport is forbidden, b) during the insured’s active participation in races,

competitions or shows, or during the related preparation for these on land, water or in the air as a driver or co-driver;

c) when flying any means, including parachute techniques (e.g. paragliding, parasailing, skydiving), with the exception of a plane of a regular passenger airline or a special group flight registered with the OAG Worldwide Flight Guide (e.g. chartered flights) and aerotaxi,

d) when performing the job of a pilot or other crew member of aircraft or a helicopter,

e) when sailing on any vessel in the open sea (waters not included in a solely economic zone, archipelagic waters,

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coastal waters, adjoining zones or inland waters of states), excluding the vessels of the regular sea passenger transport,

f) when diving with the use of any method or means deeper than 30 m,

g) expeditions to places with extreme climate and natural conditions; to remote and vast, unpopulated areas (deserts, arctic areas, etc.),

h) during emergency situations aimed at saving the life or finding a person in a place with extreme climatic or natural conditions,

i) when moving and/or staying in areas more than 5,000 m above sea level,

j) in skialpinism, snowrafting, k) in bungee jumping, canoeing, speleology, l) when hunting, doing herpethology actively, exercising the

game management rights, m) when performing the activities of an explosion expert,

stuntman or beast of prey tamer, n) when staying at dangerous workplaces, e.g. construction

sites, underwater workplaces, mines, oil production facilities etc.

5.1.5. The insurer has the right to adequately reduce insurance indemnity if the insured deliberately breached her/his obligation to avert the loss event or to avert the increase of the event’s consequences, depending on the insured’s possibilities. 5.1.6. If the insured breached the obligations set out in the insurance contract and legislation, or allowed the breaching of these obligations by third parties, and if this breach affected the occurrence or scope of the loss event, the insured has the right to reduce insurance indemnity by the amount of the loss which would not have occurred under normal circumstances if the insured had fulfilled her/his obligations. 5.1.7. If a lower premium is prescribed as a consequence of incorrect provision of the insured’s date of birth or other data crucial for determination of the premium, the insurer has the right to reduce insurance indemnity by the difference between the premium received and the premium that should have been paid. 5.1.8. If the insured or the beneficiary frustrates the devolution of the right to the insurer, the insurer has the right to reduce the indemnity by the amount which it would otherwise obtain. If the insurance indemnity has already been paid out, the insurer is entitled to the refund up to this amount. 5.1.9. Unless the insurance contract explicitly stipulates that it also applies to the performance of the insured’s working activities and if the loss event occurred in connection with the insured’s working activities, the insurer is not obliged to provide insurance indemnity. 5.2. Other exclusions and limitations specific for accident insurance 5.2.1. Apart from the cases specified above and prescribed by legislation, the insurer has also the right to reduce indemnity from the accident insurance by up to one half if the insured fails to obey the request of a police officer/constable and refuses to undergo a medical examination or a test governed by a special regulation and aimed at ascertaining whether or not the insured is under the influence of alcohol or any other addictive substance.

5.3. Other exclusions and limitations specific for damage liability insurance 5.3.1. The insurer is not obliged to indemnify from the liability insurance in the following cases: a) damage to any means of transport borrowed or rented or

legitimately used by the insured in return for payment (e.g. based on a hire-purchase or lease contract),

b) damage for which the insured is obliged to compensate her/his close persons,

c) obligations to compensate for any damage above the scope set forth in legal regulations and assumed by the insured,

d) damage resulting from the insured’s toleration of third parties breaching the obligations imposed on the insured,

e) damage for which legal regulations prescribe the obligation to take out insurance of liability for damage or set forth that the insurance will be formed on the basis of another legal fact,

f) damage to the things used by the insured wrongfully, g) damage caused by toxic substances, noise, vibrations or

radiation, h) damage to environment (e.g. though pollution of water, soil,

air; damage to flora and fauna, etc.), i) damage for which the insured did not plead the limitation of

time, j) damage for which the insured concluded a reconciliation

agreement or agreed on judicial settlement; however, the insurer can provide indemnity in the amount according to other documents submitted,

k) damage occurring in relation to the consumption or consuming of alcohol, or any other addictive substances or agents with such a substance, or abuse or abusing of medicines and poisoning as a consequence of consuming solid, liquid or gaseous substances due to negligence, or when handling these substances.

Article 6 – Insured physical and sports activities 6.1. The insurance always applies to the following activities performed by the insured at recreational level (excluding participation in organised competitions and official preparation for them): a) hiking – general hiking and trekking on marked tourist tracks

(excluding via ferrata) up to 3,000 m above sea level; b) cycling on public roads or marked cycleways – cycling (not

off-road cycling), artistic cycling, footbiking; c) water sports – water aerobics, swimming, synchronised

swimming, diving (to swimming pools only) from a board 5 m above the surface at most, aquatic centre attractions (while keeping safety conditions), water polo, recreational sailing in small boats (excluding jet skis) not subject to registration in the Shipping Register of the Czech Republic or a similar register of another country, dragon boats, canoeing (kayak, canoe), rafting, descending water currents of WWI difficulty, fitness paddleboarding (in non-running still water), rowing, underwater hockey and rugby, snorkelling and free-diving no deeper than 10 m;

d) winter sports on marked tracks within operating hours or on designated sports grounds – cross-country skiing, skiathlon, biathlon, curling, ice stock sport, ice skating, figure skating, ice hockey, sledge hockey, sledge riding on marked tracks (outside ice chutes);

e) indoor and collective sports – aerobics, yoga and health-beneficial exercise, kick-box aerobics, zumba, fitness and bodybuilding, musclebuilding, rhythmic gymnastics, artistic gymnastics, trampoline jumping, badminton, squash, table tennis, showdown, basketball, bowling, boccia, floorball, hockeyball, football, indoor football, goalball, foot tennis,

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American football, frisbee, fire-fighting sport, handball, cycleball, korfbal, cricket, lacrosse, field hockey, rugby, baseball, softball, spinning, social dancing, tchoukball, volleyball, beach volleyball, wallyball;

f) other sports – tennis, roller skating, pool, skittles, orienteering, radio orienteering, road running, airsoft running (no hurdles), triathlon, quadriathlon, bigman, ironman, skateboarding, sport fishing, golf, aerotrim, boomerang, bungee running, bungee trampolining, footbag, Olympic fencing (martial), fencing (classical), shooting sport (shooting at a target using a gun), cheerleading, fly fox, high ropes activities up to 10 m above ground, archery, paintball, pétanque, mushing, animal riding, table football, table hockey, board games, card competitions, bridge, chess and chess tournaments, darts, bublik, zorbing, jugglery (diabolo, fireshow, juggling, yoyo).

6.2. If stipulated in the insurance contract, the insurer shall indemnify even for damage occurred in activities performed by the insured at the recreational or competitive level: a) hiking – alpine hiking and trekking up to 5,000 m above sea

level (via ferrata incl.), rock climbing up to 7UIAA difficulty; b) cycling on a rough terrain – bicross, cycling, cyclo-cross,

mountain biking; c) water sports – yachting and leisure sailing in small vessels

which are subject to registration in the Shipping Register of the Czech Republic or in a similar register of another country, jet ski riding, canoeing (kayak, canoe), rafting, descending of a water current of WWII to WWV difficulty, speed paddleboarding (in non-running still waters),

aqualung diving up to 30 m deep, water skiing, wakeboarding, windsurfing, kitesurfing;

a) winter sports - within operating hours or designated sports grounds – downhill skiing, snowboarding, rides in a snowpark, mogul skiing, monoski, skibobbing, speed skating on ice, skicross, bobsleighing, sledding and skeleton sledding in a toboggan chute, snowtubbing, snowkiting (where permitted);

b) indoor and collective sports – athletics, acrobatic rock’n’roll, martial arts and sports, aikido, boxing, judo, karate, kickboxing – martial art, taekwondo, weightlifting, Greco-Roman wrestling;

d) other sports – kiteboarding, riding in a skatepark (in-line, skateboard), mountainboarding on marked tracks, rope jumping, buggykiting, summer camps for children and sports training camps, in-line speed skating, powerlifting, streetluge;

e) other physical and sports activities posing comparable risks – the physical and sports activities not explicitly stated in articles 6.1. and 6.2. a) through f) which do not pose a higher risk of damage to the insured’s health than the insured physical and sports activities listed above, considering the following aspects: � the way, difficulty and time of the insured’s movement; � the quality of the sports surface or terrain; � interaction with the surroundings; � material, its processing, shape and speed of the moving

sporting tools; � the used protective aids and safety measures.

Article CN – Clauses concerning help to people in d istress while travelling The insurance to the extent of the following clauses can be arranged as the insurance against loss and damage or the insurance of the agreed sum.

Clause CLV – Medical expenses insurance CLV.1. The insured event is the condition of the insured endangering her/his health or life and requiring medically necessary provision or providing of medical care in consequence of an injury or a sudden disease occurring in the insurance period and in the territory of the insurance effectiveness. The insured event lasts only for the period necessary to stabilise the insured’s state until the moment when the insured is able to continue her/his journey or to be transferred as a patient to the source country or her/his homeland. CLV.2. For the insured event’s occurrence simultaneously applies that the medical care is unrelated to the state of the insured’s health, disease or injury or their consequences which the insured suffered or of which s/he was aware during 6 months before the commencement of the insurance, regardless of whether or not they were treated. The limitation does not apply to treatment of pregnancy complications up to the 24th week of the pregnancy, unless it is a high-risk pregnancy diagnosed before starting the trip. CLV.3. The insured event is also provision of medically necessary, acceptable or purposeful transfer of the insured: a) to the nearest, or approved by the assistance company,

healthcare facility, or;

b) to a more suitable healthcare facility approved by the assistance company, or;

c) from the healthcare facility to the place of the insured’s temporary stay abroad approved by the assistance company;

d) back to the source country or the homeland organised or approved by the assistance company if the initially planned means of transport cannot be used for the insured’s return.

CLV.4. In the case of death of the insured, the following is considered part of the insured event: a) temporary storage of the insured’s remains abroad; b) repatriation of the insured’s remains to the source country or

homeland organised or approved by the assistance company, or;

c) cremation of the insured’s remains and subsequent transport of the urn to the source country or homeland approved by the assistance company.

CLV.5. If the insured dies, the beneficiary is the person who has the right to be handed over the insured’s remains within the meaning of the 2nd paragraph of section 92 of the NOZ. CLV.6. The following loss events do not become insured events: a) if the insured took the trip while on sick leave or despite

her/his physician’s disapproval, or took the trip to be cured abroad,

b) if medical care was provided without prior consent of the assistance company or insurer, excluding emergency medical help aimed at averting permanent damage to the insured’s health or imminent danger to the insured’s life,

c) if the treatment was not necessary or urgent, or if the insured could have returned to the source country or her/his

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homeland as soon as the diagnosis was made or the necessary treatment provided,

d) if s/he was treated after the day on which, according to the doctor designated by the assistance company, the insured’s state of health enabled her/his transfer to the source country or homeland, if the transfer was technically possible and if such a cost of treatment exceeds the cost of the insured’s transfer,

e) in relation to the consumption or consuming of alcohol, or any other addictive substances or agents with such a substance, or abuse or abusing of medicines and poisoning as a consequence of consuming solid, liquid or gaseous substances due to negligence, or when handling these substances,

f) effect of microbial poisons and immunotoxic substances, g) in direct relation to mental diseases, depression and

nervous disorders if these are not the result of the insured event occurring in the period of insurance and the treatment of which is not an insured event,

CLV.7. The following is not explicitly considered an insured event: a) use of curative methods and drugs generally not accepted

by the scientific community, including elimination of consequences of using these methods,

b) operations carried out by a person without appropriate qualification,

c) rehabilitation, d) stay at spas, health resorts, sanatoriums and similar

facilities, e) abortion, child birth, pregnancy tests, use or purchase of

contraception, f) cosmetic procedures with the exception of essential plastic

surgery after an injury which occurred in the insurance period and the treatment of which is the insured event,

g) dental treatment except for urgent treatment of natural teeth in the case of acute toothache or after an injury which occurred in the insurance period and the treatment of which is the insured event,

h) provision of above standard care, i) preventative medical examinations, preventative

vaccinations, vitamins, performance enhancing drugs, prosthetic devices and auxiliary aids (sanitary towels, contact lenses, spectacles etc.),

j) treatment provided by the close person or the policyholder, k) medical treatment that took place after the return to the

source country or to the insured’s homeland, l) temporary storage of the insured’s remains and funeral in

the source country or the insured’s homeland, following the transport of the remains from abroad.

CLV.8. The insured event starts to have effect at the moment when the insured’s condition endangering her/his health or life arises and it ends on the day of the insured event’s occurrence. The day of the insured event’s occurrence is the day on which the insured is able to continue her/his journey thanks to stabilisation of her/his state, or is transferred as a patient to the source country or her/his homeland, or on the day on which the insured dies abroad. CLV.9. The insured is obliged: a) if having any problems, to discuss with the attending

physician before going abroad her/his state of health concerning the nature of the trip and to follow the doctor’s instructions,

b) to have a sufficient amount of the medicine s/he uses regularly,

c) to take reasonable care of his/her state of health, to undergo a medical examination without any delay and to follow the doctor’s instructions.

If an insured event occurs, the insured is obliged: d) to use the healthcare facility and services recommended or

approved by the assistance company, e) ensure the right to loss/damage compensation towards the

third party, f) to cover the cost of urgent treatment abroad, in the foreign

currency up to the equivalent of CZK 3,000; the payment and subsequent payment of the cost of urgent medical treatment exceeding CZK 3,000 is guaranteed by the assistance company, if possible,

g) in special cases, when asked to pay all the cost of the urgent treatment abroad in cash, the insured pays it on the spot,

h) to notify the insurer of the loss event within 31 days following the insured event’s occurrence,

i) to submit to the insurer the originals of documents related to the loss event, or the originals of copies if the original documents were taken by the health insurance company or a third party; but the copies must contain the health insurance company’s or the third party’ confirmation of having received the originals and of the amount of the cost paid by them; to ensure, at his/her own expense, a certified translation of these documents into Czech if not issued in English, French, German, Russian or Spanish,

j) without undue delay to deliver to the insurer the bills sent by a third party to the insured person’s address and not to pay for them unless there is a risk of default on their payment,

k) to notify the insurer of all insurance coverages for the same insured risk arranged with other insurance companies and effective at the moment of the insured event’s occurrence,

l) to transfer any claims towards third parties (but not towards close persons) to the insurer in writing, up to the amount of the cost covered by the insurance contract (if the damage was not caused deliberately or under the influence of alcohol or other addictive substances),

m) to announce and to prove the amount paid out to her/him by the health insurance company or a third party in connection with the loss event – even if later.

CLV.10. The insured event’s occurrence is proved by: a) medical report, bill for the treatment indicating the name and

date of birth of the insured, the diagnosis, description of the disease, list of operations, addresses of the healthcare facility, the name and signature of the attending physician,

b) medical prescription indicating the name and date of birth of the insured, the name and signature of the attending physician; bill from the drugstore indicating the type of the medicine, its price and the address of the drugstore,

c) having been injured when downhill skiing, then also a document about professional adjustment of ski binding,

d) having been injured during working or sports activities, then by a document about the use of protective aids, or another prove of their use,

e) in the case of the insured’s death, by the death certificate and medical certificate concerning the cause of death.

If the police are investigating the circumstances of the sudden disease, injury or death of the insured, the occurrence of the insured event is proved by police documents describing the insured event and by the findings of the investigation. If the insured is transferred to the source country or homeland, s/he is obliged to give to the assistance company all the unused travel documents which could have otherwise been used. If the insured’s remains or urn are repatriated to the source country or homeland, this obligation lies on the beneficiary.

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CPZ clause – Luggage insurance CPZ.1. The subject of the insurance is travel luggage of the insured, including the insured’s personal effects. The following is not subject of the insurance: a) money, cheques, stamps and vouchers, fare tickets, air

tickets, savings bankbooks, passports, driving licences and other documents, all types of certificates and licences, bonds, shares, deposits, certificates of deposit, investment and similar securities;

b) jewels and jewellery, precious stones, precious metals, collector’s items, antiquities, items of artistic or historical value (e.g. paintings, graphic artwork, glassware, porcelain, pottery etc.) and other valuables;

c) consumer electronics, excluding mobile phones, cameras, binoculars, camcorders and their accessories;

d) items which were damaged, destroyed or stolen when they were confided to the transport provider against a confirmation, or deposited against a confirmation, and items deposited in left luggage lockers;

e) data, sound or video recordings on any media. CPZ.1.1. Sporting tools and equipment for physically demanding physical and sports activities – unless these activities are explicitly insured by the insurance contract – and for activities generally regarded as risky or adrenaline are not considered to be subject of the insurance. CPZ.1.2. The insured’s things bought or used for business purposes are not considered to be subject of the insurance unless the insurance contract expressly stipulates that it also applies to performance of the insured’s business activities. CPZ.2. The subject of insurance is insured against its time value (its usual price at the moment of the insured event’s occurrence). CPZ.3. The insured event means the damage, destruction or loss of the subject of insurance as a result of: a) a natural disaster; b) water leaking out of water mains; c) a traffic accident with the insured as its participant; however,

the insurance applies to the loss of the subject of insurance only if the insured was deprived, due to the injury in this accident, of the opportunity to take care of her/his things;

d) theft, whereas the right to indemnity arises only if the subject of insurance was stolen from a facility in which the insured was accommodated or from a locked luggage compartment in a closed and locked vehicle, by which the insured travels, including the vehicle’s trailer;

e) robbery if the insured had the subject of insurance on her/him or confided the care of the object to the close person;

provided that it occurred in the insurance period and in the territory of insurance effectiveness. CPZ.3.1. Damage means a change in the state of the subject of insurance which can objectively be repaired, or such a change which cannot be objectively repaired but the subject of insurance still can be used for its original purpose. CPZ.3.2. Destruction means a change in the state of the subject of insurance which cannot objectively be repaired and therefore the subject of insurance cannot be used for its original purpose any more.

CPZ.3.3. Loss means a situation when the insured lost, independently of her/his will, the possibility to have and use the subject of insurance. CPZ.3.4. Theft means the appropriating of the subject of insurance by the by a thief who takes the thing after having overcome the obstacles protecting the thing against theft, i.e. the thief breaks in and enters a closed protection area using a means other than that provided for lawful entry, with destructive consequences or hides in the area that protects the thing against theft and steals the thing after the area is locked up, leaving evidentiary traces of the theft. CPZ.3.5. Robbery means the appropriating of the subject of insurance by an offender using violence or threat of violence to the insured or another person entrusted by the insured. CPZ.4. The insured event does not arise if the loss event occurs as follows: a) breaking into a vehicle if the vehicle is parked at its

destination, or a transit place (a transit parking place is a place of an overnight stay, not a short stopover), from 22:00 pm to 6:00 am, if the vehicle is not temporarily supervised by its driver or any other authorised person aged over 18;

b) theft of the subject of insurance from a tent, caravan or a similar facility with no solid walls or ceilings (made of canvas etc.), even if they were locked;

c) theft of the subject of insurance from unlocked luggage, or more precisely from luggage which was cut open etc.;

d) theft of the subject of insurance in a non-destructive way, e.g. taking it out through the bars of the facility or vehicle;

e) theft of the subject of insurance from a vehicle or its luggage compartment when the method of entry is not discovered;

f) theft of the subject of insurance fastened on the roof rack of a vehicle even if they are locked (except for a locked roof box).

CPZ.5. The day of the insured event’s occurrence is the day on which the damage to the subject of insurance or its destruction occurs, or when the insured discovers the loss. CPZ.6. In the case of a traffic accident or suspicion of a crime, the insured is obliged, without undue delay: a) to notify the police of the loss event; b) if the loss incurred exceeds CZK 500, to report to the police

the information about all the things stolen, or damaged or destroyed by the offender.

CPZ.7. The insured event’s occurrence is proved by: a) documents proving the loss event’s occurrence (e.g. a

document concerning the method of overcoming the obstacles protecting the thing from thieves);

b) the list of stolen, lost or damaged things; c) police reports (the cost of getting the police reports, including

the results of the investigation, are covered by the insured).

Article CF – Clauses of insurance against financial loss immediately relating to travelling The insurance to the extent of the following clauses can only be arranged as the insurance against loss and damage.

CSZ clause – Tour cancellation insurance CSZ.1. The insured event is the occurrence of financial loss as a consequence of premature cancellation or not starting the tour for the below listed serious reasons, due to which the insured

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cannot start the ordered and paid tour and which arise in the period of effectiveness of this insurance: a) death of the insured or the insured’s close person, b) serious acute disease, pregnancy complications up to three

months before the expected birth, medical complications or injury of the insured if it requires hospitalisation or permanent care, according to the attending physician’s decision and confirmation containing the exact period of the treatment, diagnosis of the acute disease, injury or pregnancy complications and stating that the insured’s state of health does not allow her/him to join the tour,

c) serious acute disease, pregnancy complications up to three months before the expected birth, medical complications or injury of the insured’s close person if this person needs hospitalisation or permanent care from the insured, according to the attending physician’s decision and confirmation containing the exact period of the treatment, diagnosis of acute illness, injury or pregnancy complications and stating that the state of health of the insured’s close person does not allow her/him to join the tour,

d) if there is a natural disaster (fire, explosion, floods, earthquake) in the place of residence of the insured as confirmed by local authorities which reaches an extent endangering the health, life and property of the insured,

e) if there are any civic riots or natural disasters (earthquake, floods, forest fires, wind storms, volcanic activity) or epidemic in the tour destination, officially announced by the Ministry of Foreign Affairs of the Czech Republic or any other competent body of the Czech Republic, international and local authorities, and if it might endanger the health, life and property of the insured.

CSZ.2. If the insured event from the tour cancellation insurance occurs, the beneficiary is the person who incurred the financial loss. CSZ.3. The insured event does not arise if the loss event occurs as follows: a) as a consequences of a chronic disease, or a relapse of the

chronic disease or injury or its consequences from which the insured or the insured’s close person suffered at the moment of entering into the insurance contract, whereas the need for treatment could have been foreseen before commencing the tour,

b) in relation to the consumption or consuming of alcohol, or any other addictive substances or agents with such a substance, or abuse or abusing of medicines and poisoning as a consequence of consuming solid, liquid or gaseous substances due to negligence, or when handling these substances,

CSZ.4. The cancellation or not starting of the tour due to the following reasons is not considered an insured event: a) due to a change of travel plans and intentions, even if

independent of the insured’s will, b) impossibility to get a visa to the destination, c) impossibility for the insured or the close person to take

leave, d) due to invalid travel documents. CSZ.5. The insured is obliged to cancel the ordered tour to the necessary extent without undue delay if any of the situations listed under art. CSZ.1. occurs and it is apparent that the insured cannot take part in the tour. CSZ.6. The day of the insured event’s occurrence is the day on which the sum for the tour cancellation is billed and announced to the insured.

CSZ.7. The insured event’s occurrence is proved by: a) a receipt for the tour cancellation fee payment; b) the travel contract; c) documents proving the occurrence of the situations listed

under art. CSZ.1. (e.g. medical confirmation issued by the attending physician concerning the injury, disease or other health conditions of the insured or the close person).

If the tour is cancelled owing to the facts listed under art. CSZ.1. and related to the insured’s close person, the insured event’s occurrence is also proved by any document proving the relation between the insured and the close person.

COO clause – Damage liability insurance COO.1. The insured event is the occurrence of the insured’s obligation to compensate the third party for the damage occurred. For the purposes of this insurance, damage also means the insured’s obligation to compensate for harm. The insured event’s occurrence is conditioned by the fact that the cause of the damage arose in the insurance period and in the territory of the insurance effectiveness. COO.2. The insurance only applies to the obligation to compensate for the caused damage as imposed by the principles of the insured’s civil life. Unless explicitly stipulated in the insurance contract that it also applies to the performance of the insured’s working activities and if the loss event occurred in connection with performance of the insured’s working activities, the insurer is not obliged to provide insurance indemnity. COO.3. The insured event does not arise if the loss event occurs as follows: a) due to activities relating to operation of business, b) due to especially dangerous operation of business; c) due to operation of the means of transports for the driving or

operation of which a special authorisation or permit is required;

d) due to a defect of the product to be launched onto the market;

e) to an acquired thing which should be subject to obligation of the insured or of another person on whose behalf the insured takes actions;

f) to a thing brought in or put off; g) due to information or advice; h) to a thing due to wantonness or maliciousness or the

insured. COO.4. The day of the insured event’s occurrence is the day on which the damaged party exercised her/his right to damages. COO.5. The insured is obliged, without undue delay: a) to inform the damaged party about her/his liability insurance; b) to try to make a record of the damage caused and its extent; c) if the loss event occurred under circumstances arousing a

suspicion of a crime or delict, or if the damage caused exceeds CZK 3,000, to notify of this fact the police or other investigative, prosecuting and adjudicating bodies;

d) to inform the insurer that criminal proceedings have been started against the insured in connection with the loss event and supply the insurer with information on the course and results of these proceedings;

e) to inform the insurer that the damaged party claims her/his right to damages before the court.

The insured is also obliged: f) in the proceedings concerning damages for the loss event,

to follow the insurer’s instructions; in particular the insured must not – without the insurer’s consent – pledge that s/he

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will compensate for a statute-barred claim or conclude judicial conciliation; the insured is obliged to appeal against any potential decision on damages in time, unless otherwise instructed by the insurer;

g) to obtain the insurer’s consent before s/he admits or accommodates any potential claim or its part on the basis of her/his liability for damage.

COO.6. The insured event’s occurrence is proved by the documents proving the loss event’s occurrence and the amount of the loss, e.g. police reports, medical reports, documents concerning judicial proceedings, notification of commencement and course of criminal proceedings.

Article CU – Clauses of accident insurance for trav elling The insurance to the extent of the following clauses can be arranged as the insurance against loss and damage or the insurance of the agreed sum.

CUS clause – Insurance against death due to injury CUS.1. The insured event is the death of the insured due to injury occurring no later than within 1 year of the injury. The insured event’s occurrence is also conditioned by the fact that the injury occurred during the insurance period and in the territory of the insurance effectiveness. CUS.2. The day of the insured event’s occurrence is the day on which the insured died. CUS.3. The insured event’s occurrence is proved by the death certificate and the document proving the cause of the insured’s death, a medical confirmation that the death was caused by the injury. The beneficiary is also obliged to prove that the injury occurred in the period of the insurance effectiveness and in the territory stipulated in the insurance contract. If the circumstances of the injury or death of the insured are investigated by the police, then the insured event’s occurrence shall also be substantiated by the document of the police describing the insured event and reporting the conclusions of their investigation, or other documents proving the causality between the death of the insured and the injury.

CTN clause – Insurance against permanent consequenc es of injury CTN.1. The insured event is permanent and irreversible damage to health consisting in anatomical or functional loss of or damage to a limb, organ or any other part of the insured’s body. The insured event’s occurrence is also conditioned by the fact that the injury occurred in the insurance period and in the territory of the insurance effectiveness. CTN.2. The scope of permanent consequences of the injury is assessed by the relevant percentage evaluating permanent and irreversible damage to health after the injury in comparison to the state before the injury. The relevant percentage is determined according to the Classification of indemnity for permanent consequences of injury issued by the insurer (hereinafter referred to as “the Classification of TN“). The Classification of TN can be inspected at the insurer’s headquarters. The insurer may supplement and amend the Classification of TN depending on the development of medical science and practice. If one injury of the insured results in several permanent consequences, the total permanent consequences shall be assessed by the sum of percentage shares for individual

permanent consequences; however up to 100 % of the total share at most. If the individual permanent consequences of one or several injuries relate to the same limb, organ or their part, the insurer will evaluate them as a whole by the percentage share specified in the Classification of TN for anatomical or functional loss of the relevant limb, organ or their part at most. If the permanent consequences relate to the part of the body or organ which has been damaged before the injury, the insurer will reduce the indemnity by such percentage share that corresponds with the scope of the previous damage according to the Classification of TN. The scope of permanent consequences of injury does not include the consequences of diagnostic, curative and preventative operations carried out for different reasons than to treat the consequences of the injury. CTN.3. The day of the insured event’s occurrence is the day on which the permanent consequences of the injury were stabilised, however, no later than 3 years following the occurrence of the injury. CTN.4. The insured event’s occurrence is proved by a medical confirmation of the injury and its impact on the scope of damage to the insured’s health. The insured is obliged to prove by a medical report, or any other document issued in the territory stipulated in the insurance contract, that the injury occurred in the period of the insurance effectiveness and in the territory stipulated in the insurance contract. If the circumstances of the injury are investigated by the police, then the insured event’s occurrence shall also be substantiated by the documents of the police describing the insured event and reporting the conclusions of their investigation, or other documents proving the causality between the damage to health and the injury.

CPU clause – Insurance against damage due to injury CPU.1. The insured event is damage to the insured’s health due to an injury occurring in the insurance period and in the territory of the insurance effectiveness. CPU.2. The scope of damage to the insured’s health due to injury is assessed by the relevant percentage evaluating the damage to health by the injury compared to the state before the injury. The relevant percentage is determined according to the Classification of indemnity for damage to health by injury issued by the insurer (hereinafter referred to as “the Classification of PU“). The Classification of PU can be viewed at the insurer’s headquarters. The insurer may supplement and amend the Classification of PU depending on the development of medical science and practice. If one injury of the insured results in multiple damage, the scope of damage shall be assessed by the sum of percentage shares for individual cases of damage; however up to 100 % of the total share at most. CPU.3. The day of the insured event’s occurrence is the day on which the insured was injured. CPU.4. The insured event’s occurrence is proved by a medical confirmation of the injury and its impact on the scope of damage to the insured’s health. The insured is obliged to prove by a medical report, or any other document issued in the territory stipulated in the insurance contract, that the injury occurred in the period of the insurance

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effectiveness and in the territory stipulated in the insurance contract. If the circumstances of the injury are investigated by the Police, then the insured event’s occurrence shall also be substantiated by the documents of the police describing the insured event and

reporting the conclusions of their investigation, or other documents proving the causality between the damage to health and the injury.

Documents

INSURANCE TERMS AND CONDITIONS OF TRAVEL 2.4.1. The ... · insured’s flight or cruise was interrupted, if the source and destination countries of the flight or cruise is an area