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Service Team

E-mail: [email protected]

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EUROSTAR COMPREHENSIVE TC e 2021/12

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EUROSTAR COMPREHENSIVE TERMS & CONDITIONS

WHO WE ARE

We are the insurer AWP P&C S.A. - Belgian Branch, hereinafter referred to as: Allianz Assistance – Koning Albert II -laan 32, 1000 Brussels – Belgium, registered with the FSMA under the code 2769 - company identification number 0837.437.919 . Phone: + 32 (0)2 290 64 11 - Fax: +32 (0)2 290 64 19 – www.allianz-assistance.be

AWP P&C S.A. – Belgian Branch is the belgian branch of the French insurer AWP P&C S.A., rue Dora Maar at 93400 Saint-Ouen, France, RCS Bobigny 519490080.

Within the limits determined by the conditions, modalities and amounts laid down in the General and Special Conditions, this contract guarantees the deployment of the most suitable means to perform the guaranteed services for the benefit of the insured vehicles, insured persons and insured passengers. of this contract and the payment of the amounts provided.

ABOUT THIS POLICY

This policy is our contract with you. Please read it carefully. We have tried to make it simple and easy to understand while also clearly describing the terms and conditions of your coverage. If you have any questions, we are available during our working hours listed in Coverage Summary. Just visit us online or give us a call using the contact information listed in Coverage Summary. And, if your travel arrangements change, please be sure to let us know so we can make any necessary updates to your policy.

This policy has been issued based on the information you provided at the time of purchase. We will provide the insurance described in this policy in return for payment of the premium and your compliance with all provisions of this policy. You will also notice that some words are italicized. These words are defined in the “Definitions” section. Words that are capitalized refer to the document and coverage names found in this policy. Headings are provided for convenience only and do not affect your coverage in any way.

WHAT THIS POLICY INCLUDES AND WHOM IT COVERS

This travel insurance policy covers only the sudden and unexpected specific situations, events, and losses included in this policy, and only under the conditions described. Please review this policy carefully.

Your policy consists of 3 parts:

1. The Specific Conditions: this states who you are, who the Insured are and what they are covered for.

2. The General Terms and Conditions: this sets out in detail the guarantees for which you are covered.

3. Our Privacy Statement: this explains your rights regarding your privacy as well as what we do and are allowed to do with your privacy data.

NOTE:

Not every loss is covered, even if it is due to something sudden, unexpected, or out of your control. Only those losses meeting the conditions described in this General Conditions document may be covered. Please refer to the General Exclusions section of this document for exclusions and limitations applicable to all coverages under your policy. WHAT’S INSIDE

DEFINITIONS

WHEN YOUR COVERAGE BEGINS AND ENDS

DESCRIPTION OF COVERAGES

A.

TRIP CANCELLATION COVERAGE

B.

TRIP INTERRUPTION COVERAGE


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C.

TRAVEL DELAY COVERAGE

D.

LUGGAGE COVERAGE

E.

LUGGAGE DELAY COVERAGE

F.

EMERGENCY MEDICAL/DENTAL COVERAGE ABROAD

G.

EMERGENCY TRANSPORTATION COVERAGE

H.

TRAVEL SERVICES DURING YOUR TRIP

GENERAL EXCLUSIONS

CLAIMS INFORMATION

GENERAL PROVISIONS AND CONDITIONS

DEFINITIONS

Throughout this policy, words and any form of the word appearing in italics are defined in this section.

Accident An unexpected and unintended external event that causes injury, property damage, or both.

Accommodation A hotel or any other kind of lodging for which you make a reservation or where you stay and incur an expense.

Adoption proceeding A mandatory legal proceeding or other meeting required by law to be attended by you as a prospective adoptive parent(s) in order to legally adopt a minor child.

Luggage Personal property you take with you or acquire on your trip.

Climbing sports An activity utilizing harnesses, ropes, belays, crampons, or ice axes. It does not include supervised climbing on artificial surfaces intended for recreational climbing.

Cohabitant A person you currently live with and have lived with for at least 12 consecutive months and who is at least 18 years old.

Computer System Any computer, hardware, software, or communication system or electronic device (including but not limited to smart phone, laptop, tablet, wearable device), server, cloud, microcontroller, or similar system, including any associated input, output, data storage device, networking equipment, or backup facility.

Covered reasons The specifically named situations or events for which you are covered under this policy.

Cyber Risk Any loss, damage, liability, claim, cost, or expense of any nature directly or indirectly caused by, contributed to by, resulting from, or arising out of or in connection with, any one or more instances of any of the following:

1. Any unauthorized, malicious, or illegal act, or the threat of such act(s), involving access to, or the processing, use, or operation of, any computer system;

2. Any error or omission involving access to, or the processing, use, or operation of any computer system;

3. Any partial or total unavailability or failure to access, process, use, or operate any computer system; or

4. Any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any data, including any amount pertaining to the value of such data.

Departure date The originally scheduled date that you have selected to begin travel as shown on your trip itinerary and in your Specific conditions .

Doctor Someone who is legally authorized to practice medicine or dentistry and is licensed if required. This cannot be you, a traveling companion, your family member, a traveling companion’s family member, or the sick or injured person’s family member.

Epidemic

A contagious disease recognized or referred to as an epidemic by a representative of the World Health Organization (WHO) or an official government authority


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Family member Your:

1. Spouse (by marriage, common law, domestic partnership, or civil union);

2. Cohabitants;

3. Parents and stepparents;

4. Children, stepchildren, foster children, adopted children, children currently in the adoption process and registered in the Belgian civil registry;

5. Siblings;

6. Grandparents and grandchildren;

7. The following in-laws: mother, father, son, daughter, brother, sister, and grandparent;

8. Aunts, uncles, nieces, and nephews (3rd degree);

9. Legal guardians and wards; and

10. Paid, live-in caregivers.

High-altitude activity An activity that includes, or is intended to include, going above 4500 meters in elevation, other than as a passenger in a commercial aircraft.

First responder Emergency personnel (such as a police officer, emergency medical technician, or firefighter) who are among those responsible and with the obligation for going immediately to the scene of an accident or emergency to provide aid and relief.

High value items Collectibles, jewelry, watches, gems, pearls, furs, cameras (including video cameras) and related equipment, professional audio equipment, binoculars, telescopes, sporting equipment, mobile devices, smartphones, computers, radios, drones, robots, and other hi-tech electronics, including parts and accessories for the aforementioned items.

Hospital An acute care facility that has a primary function of diagnosing and treating sick and injured people under the supervision of doctors. It must:

1. Be primarily engaged in providing inpatient diagnostic and therapeutic services;

2. Have organized departments of medicine and major surgery; and

3. Be licensed where required.

Illegal act An act that violates law where it is committed.

Injury Physical bodily harm.

Local public transportation Local, commuter, or other urban transit system carriers (such as commuter rail, city bus, subway, ferry, taxi, for-hire driver, or other such carriers) that transport you or a traveling companion less than 150 kilometers.

Mechanical breakdown A mechanical issue, which prevents the vehicle from being driven normally, safely and legally, including an electrical issue, flat tire, or running out of fluids (except fuel).

Medical escort A professional person contracted by our medical team to accompany a seriously ill or injured person while they are being transported. A medical escort is trained to provide medical care to the person being transported. This cannot be a friend, traveling companion, or family member.

Medically necessary Treatment that is required for your illness, injury, or medical condition, consistent with your symptoms, and can safely be provided to you. Such treatment must meet the standards of good medical practice in Belgium and is not for your or the provider’s convenience.

Natural disaster A large-scale extreme weather or geological event that damages property, disrupts transportation or utilities, or endangers people, including without limitation: earthquake, fire, flood, hurricane, avalanche, landslide, or volcanic eruption.

Pandemic An epidemic that is recognized or referred to as a pandemic by a representative of the World Health Organization (WHO) or an official government authority.

Policy The travel insurance coverage purchased. The policy includes Specific Conditions, Terms & Conditions and the Privacy Notice.

Political risk Any kind of events, organized resistance or actions intending or implying the intention to overthrow, supplant or change the existing ruler or constitutional government, including but not limited to:

· Nationalization;

· Confiscation;

· Expropriation (including Selective Discrimination and Forced Abandonment);

· Deprivation;

· Requisition;

· Revolution;

· Rebellion;


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· Insurrection;

· Civil commotion assuming to proportion of or amounting to an uprising;

· Military and usurped power.

Primary residence Your permanent, fixed home address for legal and tax purposes.

Pre-existing medical condition An injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of this policy:

1. Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;

2. Presented symptoms; or

3. Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

The illness, injury, or medical condition does need to be formally diagnosed in order to be considered a pre-existing medical condition.

For example, a sprained knee you have had treated in the 120 days prior to and including the purchase date of your policy, that hasn't been declared stable or cured by a medical doctor will be considered a pre-existing medical condition. If you later have to cancel your trip because, for instance, the sprained knee now requires surgery, or because your recovery is taking longer than expected, or for any other reason arising out of the knee sprain, this would be considered a pre-existing medical condition.

Quarantine Mandatory involuntary confinement by order or other official directive of a government, public or regulatory authority, or the captain of a commercial vessel on which you are booked to travel during your trip, which is intended to stop the spread of a contagious disease to which you or a traveling companion has been exposed.

Reasonable and customary costs

The amount usually charged for a specific service in a particular geographic area. The charges must be appropriate to the availability and complexity of the service, the availability of needed parts/materials/supplies/equipment, and the availability of appropriately-skilled and licensed service providers.

Refund Cash, credit, or a voucher for future travel that you are eligible to receive from a travel supplier, or any credit, recovery, or reimbursement you are eligible to receive from your employer, another insurance company, a credit card issuer, or any other entity.

Service animal Any dog that is individually trained to do work or perform tasks for the benefit of an individual with a disability, including a physical, sensory, psychiatric, intellectual, or other mental disability. Examples of work or tasks include, but are not limited to guiding people who are blind, alerting people who are deaf, and pulling a wheelchair. Other species of animals, whether wild or domestic, trained or untrained, are not considered service animals. The crime deterrent effects of an animal’s presence and the provision of emotional support, well-being, comfort, or companionship are not considered work or tasks under this definition.

Severe weather Hazardous weather conditions including but not limited to windstorms, hurricanes, tornados, fog, hailstorms, rainstorms, snow storms, or ice storms.

Sporting equipment Equipment or goods used to participate in a sport.

Terrorist event An act carried out by an organized terrorist group recognized by the government authority and applicable law of your country of residence that injures people or damages property to achieve a political, ethnic, or religious result. It does not include general civil protest, unrest, rioting, or acts of war.

Traffic Accident An unexpected and unintended traffic-related event, other than mechanical breakdown, that causes injury, property damage, or both.

Travel carrier A company licensed to commercially transport passengers for a fee by land, air, or water. It does not include:

1. Rental vehicle companies;

2. Private or non-commercial transportation carriers;

3. Chartered transportation, except for group transportation chartered by your tour operator; or

4. Local public transportation.

Travel supplier A travel agent, tour operator, airline, cruise line, hotel, railway company, or other travel service provider who is legally licensed to sell travel related services.

Traveling companion A person or service animal traveling with you or traveling to accompany you on your trip. A group or tour leader is not considered a traveling companion unless you are sharing the


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same room with the group or tour leader. School teachers leading group class trips are not considered group or tour leaders.

Trip Your travel to, within, and/or from a location away from your primary residence. It cannot include travel with the intent to receive health care or medical treatment of any kind, or moving, or commuting to and from work, and it cannot last longer than 90 days.

Uninhabitable A natural disaster, fire, flood, burglary, storm, or vandalism has caused enough damage (including extended loss of power, gas, or water) to make local government authorities or another legally recognized authority declare a person’s home or destination inaccessible or unfit for use.

We, Us, or Our The insurer AWP P&C S.A. - Belgian Branch, hereinafter also referred to as: Allianz Assistance

You or Your All persons listed as insureds in the Specific conditions.

WHEN YOUR COVERAGE BEGINS AND ENDS

You are only eligible for coverage if we accept your request for insurance. Your policy’s coverage effective date and coverage end date are indicated in your Specific conditions. The policy is effective at 00:00 on the day after we receive the order and you pay the full premium. The order must be received and the full premium must be paid on or before the departure date.

Coverage is only provided for losses that occur while your policy is in effect.

Except for one-way and same-day return trips, the departure date and return date that you provided at time of purchase are counted as two separate days of travel when we calculate the duration of your trip.

Your policy ends on the coverage end date listed in your Specific conditions. However, there are situations where your policy may end on a different date. If your policy was purchased with a one-way booking, your coverage end date will be the scheduled return date for your trip, as shown on your travel documents (not exceeding 120 days from the departure date shown on your travel documents). Additionally, your policy will end on the earliest of: 1. At 23:59 on the day you cancel your policy; or

2. At 23:59 on the day you file a trip cancellation claim with us;

3. At 23:59 on the day you end your trip, if you end your trip early;

4. At 23:59 on the day you arrive at a medical facility for further care if you end your trip due to a medical reason; or

5. At 23:59 on the last day of the trip.

However, if your return travel is delayed due to a covered reason, we will extend your coverage period until the earlier of when you are able to return to your point of origin or primary residence, or until you arrive at a medical facility for further care following a medical repatriation or trip interruption.

Please note that this policy applies for a specific trip and cannot be renewed.

DESCRIPTION OF COVERAGES

In this section, we will describe the many different types of insurance coverages, which are included in your policy. We explain each type of coverage and the specific conditions that must be met for the coverage to apply. Please note that exclusions and/or restrictions may apply.

A. TRIP CANCELLATION COVERAGE

If your trip is canceled or rescheduled for a covered reason listed below, we will reimburse you for your non-refundable trip payments, deposits, cancellation fees, and change fees costs to rebook your transportation (less available refunds), up to the maximum benefit for trip cancellation coverage listed in your Coverage Summary. Please note that this coverage only applies before you have left for your trip. If your trip is canceled or rescheduled for a covered reason listed below, we will reimburse you for your non-refundable trip payments, deposits, cancellation fees, and change fees costs to rebook your transportation (less available refunds), up to the maximum benefit for trip cancellation coverage listed in your Coverage Summary. Please note that this coverage only applies before your first use of the trip’s pre-paid arrangements (e.g. transportation or accommodations)


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Also, if you prepaid for shared accommodations and your traveling companion cancels their trip due to one or more of the covered reasons listed below, we will reimburse any additional accommodation fees you are required to pay.

IMPORTANT: You must notify all of your travel suppliers within 48 hours of discovering that you will need to cancel your trip (this includes being advised to cancel your trip by a doctor). If you notify any travel suppliers later than that and get a smaller refund as a result, we will not cover the difference. If a serious illness, injury, or medical condition prevents you from being able to notify your travel suppliers within that 48-hour period, you must notify them as soon as you are able.

Covered reasons:

1. You or a traveling companion becomes ill or injured, or develops a medical condition disabling enough to make you cancel your trip (including being diagnosed with an epidemic or pandemic disease such as COVID-19). The following conditions apply: a. A doctor advises you or a traveling companion to cancel your trip before you cancel it.

2. A family member who is not traveling with you becomes ill or injured, or develops a medical condition (including being diagnosed with an epidemic or pandemic disease such as COVID-19).

The following condition applies:

a. The illness, injury, or medical condition must be considered life threatening by a doctor, or require hospitalization.

3. You, a traveling companion, family member, or your service animal dies on or after your policy’s Coverage Effective Date and before your trip.

4. You or a traveling companion is quarantined before your trip due to having been exposed to:

a. A contagious disease other than an epidemic or pandemic; or

b. An epidemic or pandemic (such as COVID-19), but only when the following conditions are met:

i. The quarantine is specific to you or a traveling companion, meaning that you or a traveling companion must be specifically and individually designated by name in an order or directive to be placed in quarantine due to an epidemic or pandemic; and

ii. The quarantine does not apply generally or broadly (a) to some segment or all of a population, geographical area, building, or vessel (including shelter-in-place, stay-at-home, safer-at-home, or other similar restriction), or (b) based on to, from, or through where the person is traveling. This condition (ii) applies even if the quarantine order or directive specifically designates you or a traveling companion by name to be quarantined.

5. You or a traveling companion is in a traffic accident on the departure date.

One of the following conditions must apply:

a. You or a traveling companion need medical attention; or

b. Your or a traveling companion’s vehicle needs to be repaired because it is not safe to operate.

6. You are legally required to attend a legal proceeding during your trip.


a. The attendance is not in the course of your occupation (for example, if you are attending in your capacity as an attorney, court clerk, expert witness, law enforcement officer, or other such occupation, this would not be covered).

7. Your primary residence becomes uninhabitable.

8. Your travel carrier cannot get you to your original itinerary’s destination for at least 24 consecutive hours from the originally scheduled arrival time due to one of the following reasons: a. A natural disaster; or

b. Severe weather.

However, if you can get to your original destination another way, we will reimburse you for the following, up to your policy’s trip cancellation coverage maximum benefit:


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i. The necessary cost of the alternative transportation, less available refunds; and

ii. The cost of any lost prepaid accommodations caused by your delayed arrival, less available refunds.


a. Alternate transportation arrangements must be in a similar or lower class of service as you were originally booked

with your travel carrier.

9. You or a traveling companion is terminated or laid off by a current employer after your policy’s purchase date.

The following conditions apply:

a. The termination or layoff is not your or your traveling companion’s fault;

b. The employment must have been permanent (not temporary or contract).

10. You or a traveling companion secures permanent, paid employment, after your policy’s purchase date, that requires presence at work during the originally scheduled trip dates.

11. Your or a traveling companion’s primary residence is permanently relocated by at least 150 kilometers due to a transfer by your or a traveling companion’s current employer. This coverage includes relocation due to transfer by your spouse’s current employer.

12. You or a travelling companion serving as a first responder is called in for duty due to an accident or emergency (including a natural disaster) to provide aid or relief during the originally scheduled trip dates.

13. You or a traveling companion receive a legal notice to attend an adoption proceeding during your trip.

14. You, a traveling companion, or a family member serving in the armed forces is reassigned or has personal leave status changed, except because of war or disciplinary action.

15. You or a traveling companion is medically unable to receive an immunization required for entry into a destination.

16. Your or travel companion's travel documents required for the trip are stolen.


a. You must provide evidence of your efforts to obtain replacement documents that would allow you to keep the originally scheduled trip dates

B. TRIP INTERRUPTION COVERAGE

If you have to interrupt your trip or end it early due to one or more of the covered reasons listed below, we will reimburse you, less available refunds, up to the maximum benefit for trip interruption coverage listed in your Coverage Summary, for: i. The prorated portion of your unused non-refundable trip payments and deposits.

ii. Additional accommodation fees you are required to pay, if you prepaid for shared accommodations and your traveling companion has to interrupt their trip.

iii. Necessary transportation expenses you incur to continue your trip or return to your primary residence.

· We will reimburse you either for the new return travel carrier ticket to your primary residence or for the non-refundable portion of your original return ticket, but not both.

iv. Additional accommodation and transportation expenses if the interruption causes you to stay at your destination (or the location of the interruption) longer than originally planned. There is a per policy maximum of €100 per day for 5 days.

IMPORTANT: You must notify all of your travel suppliers within 48 hours of discovering that you will need to interrupt your trip (this includes being advised to interrupt your trip by a doctor). If you notify any travel suppliers later than that and get a smaller refund as a result, we will not cover the difference. If a serious illness, injury, or medical condition prevents you from being able to notify your travel suppliers within that 48-hour period, you must notify them as soon as you are able.

Covered reasons:

1. You or a traveling companion becomes ill or injured, or develops a medical condition disabling enough to make you interrupt your trip (including being diagnosed with an epidemic or pandemic disease such as COVID-19).


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a. A doctor must either examine or consult with you or the traveling companion before you make a decision to

interrupt the trip. b. You must not have travelled against your home country’s government advice or against local authority advice at

your trip destination.

2. A family member who is not traveling with you becomes ill or injured, or develops a medical condition (including being diagnosed with an epidemic or pandemic disease such as COVID-19).


a. The illness, injury, or medical condition must be considered life threatening by a doctor or require hospitalization.

3. You, a traveling companion, family member, or your service animal dies during your trip.

4. You or a traveling companion is quarantined during your trip due to having been exposed to:





5. You or a traveling companion is in a traffic accident.

One of the following conditions must apply:

a. You or a traveling companion needs medical attention; or

b. The vehicle needs to be repaired because it is not safe or legally fit to operate.

6. You are legally required to attend a legal proceeding during your trip.


a. The attendance is not in the course of your occupation (for example, if you are attending in your capacity as an attorney, court clerk, expert witness, law enforcement officer or other such occupation, this would not be covered).

7. Your primary residence becomes uninhabitable.

8. Your travel carrier cannot get you to your original itinerary’s destination for at least 24 consecutive hours from the originally scheduled arrival time due to one of the following reasons: a. A natural disaster; or

b. Severe weather.

However, if you can get to your original destination another way, we will reimburse you for the following, up to your policy’s maximum trip interruption coverage maximum benefit:

i. The necessary cost of alternate transportation, less available refunds; and

ii. The cost of any lost prepaid accommodations caused by your delayed arrival, less available refunds.


a. Alternate transportation arrangements must be in a similar or lower class of service as you were originally booked

with your travel carrier.


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9. You or a travelling companion serving as a first responder is called in for duty due to an accident or emergency (including a natural disaster) to provide aid or relief during the originally scheduled trip dates.

10. You or a traveling companion is a traveler on a hijacked aircraft, train, vehicle, or vessel.

11. You, a traveling companion, or a family member serving in the armed forces is reassigned or has personal leave status changed, except because of war or disciplinary action.

12. You miss at least 50% of the length of your trip due to one of the following:

A. A travel carrier delay (this does not include a travel carrier’s cancellation prior to your departure date);

B. A strike, unless threatened or announced prior to the purchase of your policy;

C. A natural disaster;

D. Roads are closed or impassable due to severe weather;

E. Lost or stolen travel documents that are required and cannot be replaced in time for continuation of your trip;

i. You must provide evidence of your efforts to obtain replacement documents.

F. Civil disorder, unless it rises to the level of political risk.

13. A travel carrier denies you or a traveling companion boarding based on a suspicion that you or a traveling companion has a contagious medical condition (including an epidemic or pandemic disease such as COVID-19). This does not include your refusal or failure to comply with rules or requirements to travel or of entry to your destination.

C. TRAVEL DELAY COVERAGE

If your or a traveling companion’s trip is delayed for one of the covered reasons listed below, we will reimburse you for the following expenses, less available refunds, up to the maximum benefit shown in your Coverage Summary for travel delay: i. Your lost prepaid trip expenses and additional expenses you incur while and where you are delayed for meals,

accommodation, communication, and local transportation, subject to a daily (24 hours) limit listed in your Coverage Summary : · If you provide receipts, the With Receipts Daily Limit applies.

ii. If the delay causes you to miss the departure of your cruise or tour, necessary transportation expenses to either help you rejoin your cruise/tour or reach your destination.

iii. If the delay causes you to miss the departure of your flight or train due to a local public transportation delay on your way to the departure airport or train station, necessary transportation expenses to either help you reach your destination or return home.

NOTE: We will not reimburse you for any expenses that are your travel carrier’s or travel supplier’s responsibility.

The delay must be for at least the Minimum Required Delay listed in your Coverage Summary and due to one of the following covered reasons: 1. A travel carrier delay;

2. A strike, unless threatened or announced prior to the purchase of your policy;

3. Quarantine during your trip due to having been exposed to:






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4. A natural disaster;

5. Lost or stolen travel documents;

6. Hijacking, unless it is a terrorist event;

7. Civil disorder, unless it rises to the level of political risk;

8. A traffic accident; or

9. A travel carrier denies you or a traveling companion boarding based on a suspicion that you or a traveling companion has a contagious medical condition (including an epidemic or pandemic disease such as COVID-19). This does not include your refusal or failure to comply with rules or requirements to travel or of entry to your destination.

D. LUGGAGE COVERAGE

If your luggage is lost, damaged, or stolen while you are on your trip, we will pay you, less available refunds, the lowest of the following, up to the maximum benefit listed for luggage loss in your Coverage Summary: i. Cost to repair the damaged luggage; or

ii. Cost to replace the lost, damaged, or stolen luggage with the same or similar item, reduced by 10% for each started year since the original purchase date, up to the maximum of 50% reduction.


a. You have taken necessary steps to keep your luggage safe and intact and to recover it;

b. You have filed and retained a copy of a report giving a description of the property and its value with the appropriate local authorities, travel carrier, hotel, or tour operator within 24 hours of discovery of the loss;

c. You must file and retain a copy of a police report in case of theft of high-value items;

d. You must provide original receipts or another proof of purchase for the lost, damaged, or stolen items. For items without an original receipt or a proof of purchase, we will cover up to 50% of the cost to replace the lost, damaged, or stolen item with the same or similar item; and

e. You must report theft or loss of a cellular device to your network provider and request to block the device.

The following items are not covered:

1. Animals, including remains of animals;

2. Cars, motorcycles, motors, aircraft, watercraft, and other vehicles and related accessories and equipment;

3. Hearing aids, prescription eyewear, and contact lenses;

4. Artificial teeth, prosthetics, and orthopedic devices;

5. Wheelchairs and other mobility devices;

6. Consumables, medicines, medical equipment/supplies, and perishables;

7. Tickets, passports, deeds, blueprints, stamps, and other documents;

8. Money, currency, credit cards, notes or evidences of debt, negotiable instruments, travel cheques, securities, bullion, and keys;

9. Rugs and carpets;

10. Antiques and art objects;

11. Musical instruments;

12. Fragile and brittle items;

13. Firearms and other weapons, including ammunition;

14. Intangible property, including software and electronic data;

15. Property for business or trade;

16. Property you do not own;

17. High value items stolen from a car, locked or unlocked; and

18. Luggage while it is:

a. Shipped, unless with your travel carrier;

b. In or on a car trailer;


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c. Unattended in an unlocked motor vehicle; or

d. Unattended in a locked motor vehicle, unless luggage cannot be seen from the outside;

19. Luggage that is misplaced, forgotten, or lost while in your possession.

E. LUGGAGE DELAY COVERAGE

If your luggage is delayed by a travel supplier during your trip, we will reimburse you for expenses you incur for the essential items you need until your luggage arrives, up to the maximum benefit shown in your Coverage Summary for luggage delay. NOTE: Only covered for your outbound travel (not your return travel).


a. Your luggage must be delayed for at least the Minimum Required Delay listed under luggage delay in your Coverage Summary.

F. EMERGENCY MEDICAL/DENTAL COVERAGE ABROAD

If you receive emergency medical or dental care while you are on your trip abroad for one of the following covered reasons, we will reimburse the reasonable and customary costs of that care for which you are responsible, up to the maximum benefit listed for emergency medical/dental coverage in your Coverage Summary (dental care is subject to the maximum sublimit listed for dental care):

1. While on your trip abroad, you have a sudden, unexpected illness, injury, or medical condition that could cause serious harm if it is not treated before your return home (including being diagnosed with an epidemic or pandemic disease such as COVID-19).

2. While on your trip abroad, you have a dental injury or infection, a lost filling, or a broken tooth that requires treatment.

If you need to be admitted to a hospital as an inpatient, we may be able to guarantee or advance payments, where accepted, up to the limit of your emergency medical/dental coverage.

IMPORTANT: Please note that this is secondary coverage. If you have any health insurance, you must submit your claim to that provider first. Any payment you receive from any other insurance provider or any other entity will be deducted from your claim.

The following conditions and exclusions apply:

a. The care must be medically necessary to treat an emergency condition, and such care must be provided by a doctor, dentist, hospital, or other provider authorized to practice medicine or dentistry.

b. This coverage will not pay for any care provided after your coverage ends.

c. This coverage will not pay for any care for any illness, injury, or medical condition that did not originate during your trip abroad;

d. This coverage will not pay for non-emergency care or services in general and the following care and services in particular: 1. Elective cosmetic surgery or care;

2. Annual or routine exams;

3. Long-term care;

4. Allergy treatments (unless life threatening);

5. Exams or care related to or loss of/damage to hearing aids, dentures, eyeglasses, and contact lenses;

6. Physical therapy, rehabilitation, or palliative care (except as necessary to stabilize you);

7. Experimental treatment;

8. Any other non-emergency medical or dental care; and

9. Treatments not covered by the Belgian R.I.Z.I.V.

e. You must not have travelled against the orders or advice of any government or other public authority at any location to, from, or through which you are traveling on your trip.


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G. EMERGENCY TRANSPORTATION COVERAGE

IMPORTANT:

· If your emergency is immediate and life threatening, seek local emergency care at once.

· We are not, and shall not be deemed to be, a provider of medical or emergency services.

· We act in compliance with all national and international laws and regulation, and our services are subject to approvals by appropriate local authorities and active travel & regulatory restrictions.

Emergency Evacuation (Transporting you to the nearest appropriate medical facility)

If you become seriously ill or injured or develop a medical condition (including being diagnosed with an epidemic or pandemic disease such as COVID-19) while on your trip, we will pay for local emergency transportation from the location of the initial incident to a local doctor or local medical facility. If we determine that the local medical facilities are unable to provide appropriate medical treatment:

1. Our medical team will consult with the local doctor to obtain information necessary to make appropriate decisions regarding your overall medical condition;

2. We will identify the closest appropriate available hospital or other appropriate available facility, make arrangements to transport you there, and pay for that transport; and

3. We will arrange and pay for a medical escort if we determine one is necessary.

The following conditions apply to items 1, 2, and 3 above:

a. You or someone on your behalf must contact us, and we must make all transportation arrangements in advance. If we did not authorize and arrange the transportation, we will only pay up to what we would have paid if we had made the arrangements. We will not assume any responsibility for any transportation arrangements that we did not authorize or arrange;

b. All decisions about your evacuation must be made by medical professionals licensed in the countries where they practice;

c. You must comply with the decisions made by our assistance and medical teams. If you do not comply, you effectively relieve us from any responsibility and liability for the consequences of your decisions, and we reserve the right to not provide coverage;

d. One or more emergency transportation providers must be willing and able to transport you from your current location to the identified hospital or facility;

e. You must not have traveled against the orders or advice of any government or other public authority at any location to, from, or through which you are traveling on your trip.

Medical Repatriation (Getting you home after you receive care)

If you become seriously ill or injured or develop a medical condition (including being diagnosed with an epidemic or pandemic disease such as COVID-19) while on your trip and our medical team confirms with the treating doctor that you are medically stable to travel, we will:

1. Arrange and pay for you to be transported via a commercial transportation carrier in the same class of service that you originally booked, unless otherwise medically necessary, for the return leg of your trip, less available refunds for unused tickets. The transportation will be to one of the following: a. Your primary residence;

b. A location of your choice in your country of residence; or

c. A medical facility near your primary residence or in a location of your choice in your country of residence. In either

case, the medical facility must be willing and able to accept you as a patient and must be approved by our medical team as medically appropriate for your continued care.

2. Arrange and pay for a medical escort if our medical team determines that one is necessary.


a. Special accommodations must be medically necessary for your transportation (for example, if more than one seat is medically necessary for you to travel);

b. You or someone on your behalf must contact us, and we must make all transportation arrangements in advance. If we did not authorize and arrange the transportation, we will only pay up to what we would have paid if we had made the arrangements. We will not assume any responsibility for any transportation arrangements that we did not authorize or arrange;

c. All decisions about your repatriation must be made by medical professionals licensed in the countries where they practice;


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d. You must comply with the decisions made by our assistance and medical teams. If you do not comply, you effectively relieve us from any responsibility and liability for the consequences of your decisions, and we reserve the right to not provide coverage;

e. One or more emergency transportation providers must be willing and able to transport you from your current location to your chosen destination;

f. You must not have traveled against the orders or advice of any government or other public authority at any location to, from, or through which you are traveling on your trip.

Transport to Bedside (Bringing a friend or family member to you)

If you are told by the treating doctor that you will be hospitalized for more than 5 days or that your condition is life-threatening during your trip, we will arrange and pay for round-trip transportation in economy class on a travel carrier for one friend or family member to stay with you.


a. You or someone on your behalf must contact us, and we must make all transportation arrangements in advance. If we did not authorize and arrange the transportation, we will only pay up to what we would have paid if we had made the arrangements. We will not assume any responsibility for any transportation arrangements that we did not authorize or arrange.

Return of Dependents (Getting minors and dependents home)

If you die or are told by the treating doctor you will be hospitalized for more than 24 hours during your trip, we will arrange and pay to transport your traveling companions who are under the age of 18, or dependents requiring your full-time supervision and care to one of the following: 1. Your primary residence; or

2. A location of your choice in your country of residence.

We will arrange and pay for an adult family member to accompany your traveling companions who are under the age of 18 or dependents requiring your full-time supervision and care, if we determine that it is necessary.

Transportation will be on a travel carrier in the same class of service that was originally booked. Available refunds for unused tickets will be deducted from the total amount payable.


a. This benefit is only available while you are hospitalized, or if you die, and if you do not have an adult family member traveling with you that is capable of caring for the travelling companions under the age of 18 or dependents;

b. You or someone on your behalf must contact us, and we must make all transportation arrangements in advance. If we did not authorize and arrange the transportation, we will only pay up to what we would have paid if we had made the arrangements. We will not assume any responsibility for any transportation arrangements that we did not authorize or arrange.

Repatriation of Remains (Getting your remains home)

We will arrange and pay for the reasonable and necessary services and supplies to transport your remains to one of the following: 1. A funeral home near your primary residence; or

2. A funeral home located in your country of residence


a. Someone on your behalf must contact us, and we must make all transportation arrangements in advance. If we did not authorize and arrange the transportation, we will only pay up to what we would have paid if we had made the arrangements. We will not assume any responsibility for any transportation arrangements that we did not authorize or arrange; and

b. The death must occur while on your trip.

If a family member decides to make funeral, burial, or cremation arrangements for you at the location of your death, we will reimburse the necessary expenses up to the amount it would have cost us to transport your remains to a funeral home near your primary residence.

Search and Rescue


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We will pay the cost of search and rescue activities by a professional rescue team, up to the maximum benefit listed for search and rescue coverage in your Coverage Summary, if you are reported missing during your trip or have to be rescued from a physical emergency.

H. TRAVEL SERVICES DURING YOUR TRIP

If you need travel services during your trip, we are available 24 hours a day. With our global reach and multi-lingual staff, we are here to help you.

Finding a Doctor or Medical Facility

If you need care from a doctor or medical facility while you are traveling, we can assist you in finding one.

Monitoring Your Care

If you are hospitalized, our medical staff will stay in contact with you and the doctor caring for you. We can also notify your family and your doctor back home of your illness or injury and update them on your status.

Lost Travel Documents Assistance

If your passport or other travel documents are lost or stolen, we can assist you in getting your documents replaced and can help you change your travel arrangements as required.

Emergency Language Translation

We can assist you with translation services in the event you need help in a foreign country.

Emergency Cash Assistance

If your travel is delayed or interrupted and you need extra money to pay for unexpected expenses, we can assist in arranging the transfer of funds from your family or friends.

Legal Referrals

We can help you find local legal advice if you need it while you are traveling.

Emergency Message Delivery

We can assist you in getting an urgent message to someone back home.

GENERAL EXCLUSIONS

This section describes the general exclusions applicable to all coverages under your policy. An “exclusion” is something that is not covered by this insurance policy, and therefore no payment or service would be available.

This policy does not provide coverage for any loss that results directly or indirectly from any of the following general exclusions if they affect you, a traveling companion, or a family member:

1. Any loss, condition, or event that was known, foreseeable, intended, or expected when your policy was purchased;

2. Pre-Existing medical conditions;

3. Your intentional self-harm or if you attempt or commit suicide;

4. Normal, complication-free pregnancy or childbirth, except when normal, complication-free pregnancy or childbirth is expressly referenced in and covered under trip cancellation coverage or trip interruption coverage;

5. Fertility treatments or elective abortion;

6. A mental or nervous health disorder, such as Alzheimer’s disease, anxiety, dementia, depression, neurosis, psychosis, or their related physical symptoms. This exclusion applies only to trip cancellation coverage and trip interruption coverage;

7. The use or abuse of alcohol or drugs, or any related physical symptoms. This does not apply to drugs prescribed by a doctor and used as prescribed;

8. Acts committed with the intent to cause loss;


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9. Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft or commercial vehicle or commercial watercraft;

10. Participating in or training for any professional or semi-professional sporting competition;

11. Participating in extreme, high-risk sports and activities in general and the following activities in particular:

a. Skydiving, BASE jumping, hang gliding, or parachuting;

b. Bungee jumping;

c. Caving, rappelling, or spelunking;

d. Skiing or snowboarding outside marked trails or in an area accessed by helicopter;

e. Climbing sports or free climbing;

f. Any high-altitude activity;

g. Personal combat or fighting sports;

h. Racing or practicing to race any motorized vehicle or watercraft;

i. Free diving; or

j. Scuba diving at a depth greater than 20 meters or without a dive master.

12. An illegal act resulting in a conviction, except when you, a traveling companion, or a family member is the victim of such act;

13. An epidemic or pandemic, except when an epidemic or pandemic is expressly referenced in and covered under trip cancellation coverage, trip interruption coverage or emergency medical/dental coverage;

14. Natural disaster, except as expressly covered under trip cancellation coverage, or trip Interruption coverage, or travel delay coverage;

15. Air, water, or other pollution, or the threat of a pollutant release, including thermal, biological, and chemical pollution or contamination;

16. Nuclear reaction, radiation, or radioactive contamination;

17. War (declared or undeclared) or acts of war;

18. Military duty, except as expressly covered under trip cancellation coverage or trip interruption coverage;

19. Civil disorder or unrest, except when civil disorder or unrest is expressly referenced in and covered under trip interruption coverage or travel delay coverage;

20. Terrorist events, except when terrorist events are expressly referenced in and covered under trip cancellation coverage, trip interruption coverage, or travel delay coverage. This exclusion does not apply to Emergency Medical or Emergency Transportation coverage.

21. Political risk;

22 Cyber risk;

23 Acts, travel alerts/bulletins, or prohibitions by any government or public authority, except as expressly covered under trip cancellation coverage or trip interruption coverage;

24 Any travel supplier’s complete cessation of operations due to financial condition, with or without filing for bankruptcy;

25 Travel supplier restrictions on any luggage, including medical supplies and equipment;

26 Ordinary wear and tear or defective materials or workmanship;

27 An act of gross negligence by you or a traveling companion;

28 Your intent to receive health care or medical treatment of any kind while on your trip; or

29 Travel against the orders or advice of any government or other public authority.

This policy does not provide any coverage, benefit, or services for any activity that would violate any applicable law or regulation, including without limitation any economic/trade sanction or embargo.

IMPORTANT: You are not eligible for reimbursement under any coverage if:

1. Your travel carrier tickets do not show travel date(s); or

2. The travel dates in your Specific conditions do not represent your actual travel dates (does not apply to insurance purchased with a one-way booking).

3. You intend to receive healthcare or medical treatment of any kind while on your trip.

CLAIMS INFORMATION


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Your obligations:

Except for those resulting from the provisions of these General Conditions, your obligations are as follows:

1. Communication about cases of damage:

In case of damage, to immediately - after receiving urgent first aid - contact Allianz Assistance and comply with its instructions.

2. The written communication of claims Travel Interruption, Cancellation and Luggage.

As soon as possible, and within 7 days, report the claim in writing to Allianz Assistance.

3. Providing useful information:

Without delay, and certainly within 30 days, to provide Allianz Assistance with all useful information and respond to the questions asked of you, so as to establish the circumstances and extent of the damage.

4. Limit the negative consequences of cases of damage:

To take all reasonable precautions to prevent cases of damage from occurring. In addition, to take all reasonable measures to prevent or limit the negative consequences of cases of damage.

5. Relevant circumstances to allow Allianz Assistance to assess the risk:

Policyholders are required, both when entering into the contract and for the duration of the contract, to disclose all existing, new or amended circumstances to Allianz Assistance that are known to them and that they should reasonably consider as information that could impact Allianz Assistance’s risk assessment.

6. Other insurance policies:

6.1. If you have other insurance policies covering the same risk, to inform Allianz Assistance of the guarantees and identity of these insurers.

6.2. Both in Belgium and during your stay abroad, to take the necessary measures to allow for your costs to be claimed back from the Social Security scheme and any other insurance body and to reimburse Allianz Assistance for these costs if it advanced payment for them.

7. In case of physical injury:

To have the illness, or injury in case of an accident objectively documented.

Furthermore, to take the necessary measures to provide Allianz Assistance with the medical information regarding the insured person in question. In addition, to allow Allianz Assistance’s doctors to obtain the medical information regarding the insured person in question. Lastly, to allow the doctor designated by Allianz Assistance to examine the insured person in question.

8. In case of death:

All beneficiaries must immediately inform Allianz Assistance by letter or fax in case of death to allow Allianz Assistance, if it so wishes, to have an autopsy carried out by a physician of its choice prior to the burial or cremation.

9. Proof of material damage:

In case of attempted theft, theft or vandalism an official record must be drawn up immediately by the judicial body nearest to where the events occurred or were noted by you.

10. Complaint following theft in a hotel:

In case of theft occurring in a hotel, you are also required to immediately file a complaint with the hotel management and send proof of this complaint to Allianz Assistance.

11. Report in case of damage:

In case of total loss or partial damage, you need to have a written report drawn up by the competent body or person responsible and send proof of this to Allianz Assistance.

12. Notification of default to the transport company:

In case of theft, loss, non-delivery, late delivery, total loss or partial damage to objects transported by a transport company, you need to inform the transport company of this breach of contract immediately - and in any case within the deadline set by the transport contract - and demand that a statement from both sides be drawn up, proof of which is to be sent to Allianz Assistance. In the event of a definitive loss of your luggage, you must provide Allianz Assistance with a “final loss certificate” drawn up by the transport company.

13. Transferring the damaged travel belongings:

When so requested, you need to transfer the damaged luggage to Allianz Assistance, at your expense.

14. In case of cancellation of a travel contract:

You need to cancel your travel contract as soon as an event occurs that could prevent your trip, thus limiting the consequences or fall out of the cancellation. Moreover, you need to have the illness, or injury in case of an accident objectively documented, for the purposes of cancellation.

15. Sanctions in case of non-compliance with your obligations:


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If you fail to comply with one of your obligations and there is a link with the case of damage, Allianz Assistance may reduce its performance by the amount of the damage it suffered.

GENERAL PROVISIONS AND CONDITIONS

1. Policyholder

The natural person or legal entity that entered into this contract and whose place of residence, for the natural person, and company seat, for any legal entity, must be located inside of Belgium or Luxembourg.

2. Insured persons

The natural persons whose names are mentioned under the heading “Insured Persons” of the Specific Conditions. The natural persons insured must have their place of residence inside Belgium or in Luxembourg and ordinarily reside there at least 6 months per year.

3. Belgium and Luxembourg

For insured persons whose place of residence is located in Luxembourg, “Belgium” is systematically replaced by “Luxembourg” in these General Conditions.

4. Correspondence and communication

All notifications must be sent to Allianz Assistance, with registered offices in Belgium.

Written notices intended for you will be deemed to have been validly sent to the address mentioned in the Specific Conditions or any address you subsequently inform Allianz Assistance of.

5. Payment of the premium

Payment of the premium will be deemed proof that cognizance has been taken of these General Conditions and that they have been accepted. The premium must be paid to Allianz Assistance before the due date, in any case, coverage will only commence after payment of the first premium. In case of non-payment of the premium, the statutory interest rate will be owed as of the due date. In case of non-payment of the premium, all other provisions under the Belgian Insurance Act on Insurance Policies will apply.

6. Duration of this contract and its covers

This contract is concluded with the agreement of the policyholder with a correctly completed pre-signed policy, and ends on the last day of the travel duration stated in the Specific Conditions. Maximum insurable duration of travel: 120 days

6.1. In the case of the “Cancellation” guarantee:

The guarantee starts at the purchase of this contract, which must take place simultaneously with the booking of the travel contract, and ends at the time of the planned start of the booked travel arrangement, i.e. the start of the outward journey.

6.2. In case of all other guarantees:

The guarantee starts at 0 o'clock of the departure date stated in the Special Conditions and ends at 23.59 o'clock of the last day of the travel period stated in the Specific Conditions. The guarantee is only valid if it has been taken out for the entire duration of the journey (i.e. outward journey, stay and return journey).

6.3. Without prejudice to the provisions of the relevant guarantee:

• In any case, the guarantee will not be covered until the day following the receipt by Allianz Assistance of the correctly completed pre-signed policy, and at the earliest after payment of the due and indivisible premium by the policyholder to the insurance intermediary.

• The duration of the guarantees (except in the case of "Cancellation) is automatically extended until your first possible return if you have to extend your stay on medical prescription, or if the means of transport with which you return to your place of residence fails due to breakdown, accident, theft, fire, vandalism or strike.

7. The maximum insured amounts

Regardless of the number of contracts concluded with Allianz Assistance, the insured amounts are the maximum possible compensation for the fully guaranteed period. All requested financial interventions must be reasonable and customary for the region where they are provided. The evaluation and decision on this matter belongs solely to the adviser responsible for the file at Allianz Assistance.

8. Right to renounce


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8.1. If this contract has a duration of at least thirty days

• The policyholder can cancel this contract within fourteen days of receipt by Allianz Assistance of the pre-signed policy. The cancellation takes effect at the time of its notification. If the contract is taken out less than 14 days before the departure date, the policyholder can cancel until the day of departure.

• Allianz Assistance can cancel this contract within fourteen days of receipt of the pre-signed policy. The cancellation of the contract shall take effect eight days after its notification.

8.2. Both Allianz Assistance and the policyholder can terminate this contract after a claim or after a request for assistance, but at the latest 1 month after the payment of the compensation, the completion of the assistance, or the refusal of the compensation or the assistance. The cancellation takes effect after three months, counting from the day following the delivery by post of a registered letter, the service of a bailiff's writ or the date of the acknowledgment of receipt in the case of a cancellation letter. The premium paid in connection with the period after the termination takes effect will be refunded within fifteen days from this effective date. However, cancellation after damage by Allianz Assistance can take effect one month after the date of notification thereof, if the policyholder, the insured or the beneficiary has not fulfilled one of his obligations arising from the damage case with the intention of mislead, provided that we have lodged a civil complaint against one of these persons with an examining magistrate or has summoned him to court, on the basis of Articles 193, 196, 197, 496 or 510 to 520 of the Criminal Code. Allianz Assistance will reimburse the damage resulting from such termination if it waives its claim or if the criminal action results in a suspension of prosecution or an acquittal.

9. The procedures of assistance and the choice of means to execute the insured guarantees

The organization of the assistance and the resources used for this purpose are solely the responsibility of Allianz Assistance. However, we take into account availabilities and existing agreements in the travel contract and give priority to the latter if they can still be used. The organization of a service provided for in this contract, as well as incurring costs related thereto, by an insured person or his environment can only be reimbursed if Allianz Assistance has been informed of this and has expressly agreed in advance by providing a file number. The costs incurred as a result of independently organized assistance are in any case only reimbursed after presentation of the original expense reports and of all elements that prove the facts that entitle the guarantee. The costs incurred as a result of independently organized assistance are only reimbursed up to the amounts stated in these general Terms and Conditions and within the limits of the costs that Allianz Assistance would have paid if it had organized the assistance itself. The prior consent of Allianz Assistance is not required if the assistance is imposed by an official body. These costs are only refundable up to the amounts stated in these Terms and Conditions. The services rendered and/or the payment of the amounts provided for the execution of this contract can never be a source of enrichment for the beneficiary.

10. Subrogation

For the amounts paid in compensation, Allianz Global Assistance will take over your rights and claims against third parties. If your actions prevent subrogation from taking place, Allianz Assistance can claim repayment of the compensation paid, for the amount of damage suffered by Allianz Assistance.

11. Statute of limitations

Any legal claim resulting from this contract will be precluded by the lapse of time after three years, counting from the date of the event entitling to the claim.

12. Applicable law – jurisdiction - Complaints

This contract is governed by its General and Specific Conditions, the provisions of the law regarding insurance contracts and Belgian legislation. All congratulations or complaints regarding Allianz Assistance’s services can be delivered by letter to our ‘Quality’ service or by e-mail: [email protected] . In case you remain unsatisfied after the handling of your complaint by our services, you can appeal to the Insurance Ombudsman, 35 de Meeûssquare, 1000 Brussels, [email protected] , fax: +32-2-547 59 75. All legal proceeding may only be dealt with by the competent courts in Brussels, Belgium.

13. Sanction screening

The insurer will not provide coverage and will not pay for a claim or otherwise render assistance if and when payment of such claim or rendering assistance in any other way might subject a party to any sanction, prohibition and/or limitation under a resolution of the United Nations and/or under trade and economic sanctions, laws or regulations issued by the European Union and/or the United States.

14. Fraud policy


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What we do in the event of fraud depends on the law, the General and Specific Conditions of the insurance:

• We do not refund the premium.

• The insurance is void.

• We will not pay you for the damage.

• We can reclaim any sums paid out.

• This may also mean that we file a complaint against you with an investigating judge.

Any fraud or attempted fraud by Allianz Assistance not only entails the cancellation of the insurance contract, but can also be prosecuted under Article 496 of the Criminal Code. In that case, Allianz Assistance will be a civil party and we will request compensation for all investigative acts that had to be committed.

• Due to the harmful behavior, our company has suffered damage that must be compensated. We are confronted with costs incurred for inspection/expertise and research. We will reclaim these incurred research costs from you in full on the basis of the Belgian Civil Code.

• We claim an administrative fee of 150 € from the fraudster.

• In case of proven fraud, we can send the details of the fraudster to the ESV Datassur. This institution only uses the data to prevent insurance fraud and limit risks for insurers. Everyone is allowed to see or change their data. You must send a letter with a copy of your passport or identity card to: Datassur ESV de Meeûsplantsoen 29 1000 Brussels. You can read more about this on the website www.datassur.be.

15. Privacy Commitment

Allianz Assistance, as the data controller, is responsible for the administration and gathers personal data related to you which are necessary for the management of this contract (risk assessment and management of the commercial relationship) and possible claims including portfolio monitoring and prevention of abuse and fraud. By subscribing to this contract, you explicitly authorize Allianz Assistance to administer your health data for the purposes as described above and, if necessary, to communicate this information to third parties (experts, physicians, …). You authorize your physician to, in case of death, to establish and provide a statement about the cause of death to Allianz Assistance's consultant doctor. You have the right to access and correct your data.

In attachment you can read the way in which we handle your data in accordance with the most recent European legislation.


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Annex B-Privacy20As of 25th May 2018, this annex will form an integral part of the insurance policy conditions. On our website www.allianz-assistance.be you can always find the latest version of the general terms and conditions and product conditions of the insurance policy.

Personal Data ProtectionIf you are the insured of the insurance contract you are going to conclude, we hereby invite you to read this explanatory memo very carefully. If the insurance contract is concluded in favour of persons other than yourself (for example, the employees or executives of your company, one or several third parties, ...), the rights and obligations set out in this memo remain fully applicable.

This statement explains what personal data we collect, how and why we collect it, and with whom this data is shared.

1. Who are we?We are AWP P&C S.A. - Belgian Branch with registered office in Paris, France. We also operate under the name Allianz Assistance and are a part of Allianz Partners SAS. Our organisation is licensed to offer insurance policies and services. Allianz Assistance is responsible for protecting your personal data. In doing so, we comply with the applicable laws and rules on data protection. 2. What personal data do we collect?If you apply for an insurance policy with us, we collect and process the following personal data:• Name, address and place of residence.• Sex, date of birth and age.• Contact details (telephone number, e-mail address, etc.).• Payment data (credit card, bank account, etc.).• Cover details of insurance policies taken out.• When using the website and apps: type of device, browser, language, date, time and IP address.• For certain insurance policies: location data, number plate, travel data, nationality, ID, occupation and family composition.• Results relating to sanctions screening and/or prevention of misuse and insurance fraud.

Additionally, we collect and process special personal data. Our emergency call centre provides direct assistance in case of a visit to the doctor, hospitalisation, a serious accident or death. If the emergency call centre finds it necessary, it can request data from an insured, relatives, aid workers and/or from the attending physician. It may provide this data to people involved in the emergency assistance. It also provides this information to our medical advisor.

3. For what purpose do we collect and use personal data?Below are the purposes for which we may use your personal data. We also explain whether or not we need your consent.

Purposes Is your consent required?

For accepting and performing your insurance policy or handling any claims covered by your contract, and for the compulsory transmission of information about your insurance situation.

No

For our financial administration. No

For marketing activities. For example, aimed at increasing our customer base, or to inform you about products and services that may be of interest to you. We can do this by e-mail, post, telephone, website and apps. If you do not like this type of communication, you can object or withdraw your consent (see point 9).

Yes, unless we have a legitimate interest in processing

For profiling. This is the collecting, analysing and combining of your personal data into a profile. The aim is to tailor our communication and product offering to your personal preferences. Additionally, we use profiles to identify potential (business) risks.

Yes, unless we have a legitimate interest in processing

For automated decision-making. For example, to calculate the premium and the amount of your customer ben-efit or loyalty discount based on your profile. Also, to personalise your visit to our website by tailoring products, services, offerings and content to your preferences.

Yes, unless processing is necessary for the conclusion or performance of the insurance contract

Assessment through statistical analyses of the risk of your contract to further develop our products and services. No

Prevention of misuse and (insurance) fraud, to combat and prevent money laundering and the funding of terrorism. Also, to protect the safety and integrity of the financial sector, our organisation, staff and clients.

No

To comply with the legal requirements (e.g. pay taxes). No

To reinsure a risk. This means that we ourselves take out insurance to spread the risk. No

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We may also receive personal data about you from the government and other organisations or people, such as intermediaries, authorised agents, employers, aid workers, claims handlers, other insurers, research firms or fraud prevention agencies.

Listed below are purposes for which we do not need your explicit consent. If this is the case, we process this personal data because we are allowed to do so and/or in order to comply with the requirements laid down by law; for example if the processing of data is necessary:• For the conclusion or performance of an agreement.• To protect your interests or those of someone else.• To comply with legal requirements.• For a task of general interest.• Because we (or other parties) have a legitimate interest in doing so,

except where your interests or those of a party concerned weigh more heavily. Want to know more about this? Contact us (see point 9).

If you do not wish to share your personal data with us, we are unable to offer you any insurance that is tailored to your specific needs. Additionally, we will be unable to manage your insurance policy or handle your claims.

4. Who has access to your personal data?We ensure that your personal data is processed in a way which fits the above purposes.

Within the defined context of the purposes listed, and to the extent necessary, we also share your personal data with your broker, our reinsurer, our auditors, experts, legal advisors, as well as with Belgian or foreign administrations and authorities as part of our reporting obligations, social security agencies, health insurance funds, and other supervisory authorities. All these parties are responsible for protecting your data.

We may also share your data with parties whom we have instructed to process the data. They include: Allianz Group companies, advisors, experts, lawyers, repairers, doctors and service companies. These parties must not use your personal data for their own marketing activities without your consent.

We may share data in the event of a (planned) restructuring, merger, sale, joint venture, assignment or transfer, as well as in case of bankruptcy or transfer of (a portion of) our company, our assets or shares.

Finally, we may at any time share data to comply with legal requirements.

5. Where is my personal data processed?Since our assistance is worldwide, your personal data may be processed both inside and outside the European Economic Area (EEA) by the parties listed under point 4. In this regard, we always make sure that we have arrangements in place regarding confidentiality and security, and that those arrangements are in line with the data protection rules. We never disclose your personal data to parties who are not entitled to process it.

If another company of the Allianz Group processes your personal data outside the EEA, we do so based on approved operating rules. This so-called Allianz Privacy Standard (Allianz BCR) provides adequate protection of personal data and applies to all companies of the Allianz Group. The Allianz BCR and the list of Allianz Group companies that comply can be found on www.allianz-assistance.be/nl/privacybeleid/. If the Allianz BCR does not apply, we take appropriate measures. These ensure that the transfer of personal data outside the EEA is equally well protected as inside the EEA. Want to know what those measures are? Contact us at (see point 9).

6. What rights do you have with respect to your personal data?If it is allowed by law, you have the right:• To request access to your personal data. This can be questions about

how we get the data and why it is processed; or about the contact details of the responsible parties, the processors and other organisations with which data may be shared.

• To withdraw, at any time, your consent to the processing of personal data.

• To edit your personal data if it is incorrect or incomplete• To ask that your personal data be fully deleted from our systems in

certain circumstances, for example if we don’t need it anymore for the aforementioned purposes pursued at the time of it being collected and processed, and we are under no legal obligation to keep your data any longer.

• To ask to restrict the processing in certain circumstances, for example to restrict the use of data whose accuracy is contested by you during the period when we have to verify it.

• To object to processing.• To be able to transfer your personal data and receive it in a structured,

commonly used and machine-readable format, for yourself or for a new insurer and/or another processor.

• To lodge a complaint with us and/or with the data protection authority: Gegevensbeschermingsautoriteit, Drukpersstraat 35, 1000 Brussel – www.privacycommission.be.

If you wish to use this option, you can contact us. Our contact details are listed under point 9. State your name, e-mail address, policy number (if you have a policy) and your question. You can also do this online using our application form op www.allianz-assistance.be/nl/privacybeleid/.

7. How can you object?You can object to the further processing of your personal data or ask us to stop. We will comply with your request, except when, under the law, we have permission to continue processing. If you wish to object, you can contact us. Our contact details are listed under point 9.

8. For how long do we keep your personal data?We keep your personal data for as long as necessary for the aforementioned purposes or for as long as required by a law. Therefore, the retention period may vary from insurance (guarantee) to insurance (guarantee).

9. How can you contact us?If you have any questions about the way we use your personal data, complaints or about how to exercise your rights, send an e-mail or letter to:

Allianz AssistanceAtt. Data Privacy OfficerKoning Albert II-laan 32, 1000 Brussels, BelgiumE-mail: [email protected]

10. How often do we update this Privacy Statement?We update this privacy statement regularly. The latest version is available on our website: www.allianz-assistance.be/nl/privacybeleid/. In the event of a significant change, we will inform you immediately. This privacy statement was last updated in March 2020.

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