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STUDIUM TRAVEL INSURANCE CARD
GENERAL AND SPECIAL INSURANCE TERMS AND CONDITIONS (EUB2008-06SD)
These general insurance terms and conditions (hereinafter: general terms and conditions) together with the special
insurance terms and conditions (hereinafter: special conditions), except when otherwise specifically agreed by
parties shall be applicable to all insurance contracts (hereinafter: insurance contracts) concluded with Európai
Utazási Biztosító Zrt. (hereinafter: Insurance Company) with reference to these general and special terms and
conditions.
As regards issues not regulated under the general terms and conditions and special conditions, provisions of the
Hungarian Civil Code and effective Hungarian regulations shall prevail.
I. General Terms and Conditions
1. General Provisions
1.1. Definitions
(1) Period of Insurance: for the purposes of these conditions, one period of insurance shall be the period specified
in the insurance contract not to exceed 365 days after commencement date.
(2) Schedule of Covers: the Schedule of Covers, set forth in Section 4 of the General Terms and Conditions and
which constitutes an integral part of the insurance contract, includes a list of covers and services provided by the
Insurance Company together with the sums insured (limits of cover) applicable to such insurance services.
1.2. Parties to the Insurance Contract (Insurance Company, Policyholder, Beneficiary)
(1) Insurance Company is a legal identity, which in consideration of insurance premium payment bears insurance
risk and if a valid legal basis exists, undertakes the obligation to deliver the insurance services set forth in the
Schedule of Covers included in Section 4 of the general terms and conditions, together with services specified in
the special conditions.
(2) Policyholder shall be the party that enters into the insurance contract and pays the insurance premium.
(3) Insured shall be any natural person designated as Insured in the insurance contract, whose life, health condition
and travel luggage is covered in the insurance contract with respect to specific insured events.
(4) Beneficiary shall be any person who is entitled to receive the insurance service. The beneficiary of all
insurance services due in the life of the Insured shall be the insured himself, and in the case of death of the Insured
the beneficiary shall be the heir of the insured.
1.3. Conclusion of the Insurance Contract
(1) The insurance contract shall be concluded when it has been signed by the policyholder and the Insurance
Company, and the first insurance premium has been paid to the Insurance Company (or a representative thereof).
Furthermore, the insurance contract shall be concluded on condition that the Insured is staying in the territory of
the Republic of Hungary at the time when the first insurance contract is concluded.
1.4. Effective Date of Contract, Commencement of Cover
(1) The insurance contract shall take effect on the date indicated as the commencement of cover but no earlier than
at 0 hours of the day following the day when the first insurance premium has been paid either across the counter of
the Insurance Company (or its representative) or to the account thereof.
(2) The insurance contract shall remain in force for the duration set forth in the insurance contract, not to
exceed 365 days after the commencement date.
(3) Cover of the Insurance Company shall start at the time when a foreign trip begins by crossing the
border of the Republic of Hungary, and shall apply until the return journey ends in the territory of the
Republic of Hungary, on condition that such duration shall not exceed a maximum of 15 days following the
start date.
(4) The Insurance Company shall assess insurance claims arising from no more than two reported insured
events within the same period of insurance, and the cover of the Insurance Company shall terminate at the
time when the insurance claim arising from the second insured event is received (see further: Section 5 of
General Terms and Conditions).
1.5 Termination of the Insurance Contract
The contract shall terminate
(a) on the last day of the insurance period
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(b) if the Insured dies, or
(c) in other cases set forth in the Special Conditions.
1.6. Age Limit of the Insured
The cover of the Insurance Company shall not apply in any respect if the Insured person has reached the age of 65.
1.7. Geographical Limit of the Insurance
(1) The geographical limit of the insurance contract shall be abroad, that is the cover shall apply to events in
Europe outside the borders of the Republic of Hungary. If the Insured is a citizen of any non-European country,
and is traveling to his/her home country from the territory of the Republic of Hungary by way of air travel, the
geographical limit of the insurance cover shall for the duration of such air travel apply within areas outside Europe
until entering the territory of the Insured's home country. The duration of the cover outside Europe shall be
maximum one day uninterruptedly for each journey with respect to the trip there and back.
(2) For the purposes of these insurance conditions, abroad shall mean the territory of any country other than the
territory of the Republic of Hungary, except if the Insured is the citizen of the particular country.
(3) For the purposes of these insurance conditions Europe shall mean Europe when the term is used in the
geographical sense, as well as Tunisia, Egypt, Cyprus, the Canary Islands and the areas of Turkey outside Europe.
(4) The geographical cover of the insurance contract shall not apply to events in the territory of any country
or specific area which, on the first day of the insurance cover or on the date when the Insured travels to the
particular country/area, is listed as a non-recommended destination country or area by the Foreign Ministry
of the Republic of Hungary (see at: www.kulugyminiszterium.hu).
2. Rights and Obligations of the Parties to the Contract
2.1. Data Protection, Exemption from Confidentiality Obligation
(1) The Insurance Company shall maintain confidentiality with regard to data disclosed to them as insurance secret
without any limitation in time.
(2) All documents and deeds issued or created with respect to the concluded insurance contract shall be possessed
by the Insurance Company.
2.2. Obligation of the Insured to Prevent and Mitigate Loss
(1) The Insured shall, in the course of any activity, exercise the utmost care that may reasonably be expected.
(2) When an accident occurs or symptoms of a disease appear, medical help must be sought promptly, and the
medical treatment must continue until the end of the healing (medicinal) procedure. During the medical treatment -
after taking all medical advice into account - cooperation with the Insurance Company must at all times be
maintained.
3. Insurance Premium
3.1. Determining the Insurance Premium
The insurance premium is received in consideration of the insurance cover undertaken by the Insurance Company.
The rate of the insurance premium shall be set forth in the insurance contract.
3.2. Payment of the Insurance Premium
(1) The insurance contract shall have a single premium. The insurance premium shall be paid upon the conclusion
of the insurance contract.
(2) The policyholder will have fulfilled his/her obligation to pay the first premium when the insurance premium is
paid either across the counter of the Insurance Company or its the representative (agent) or by bank transfer.
4. Service of the Insurance Company
Pursuant to the insurance contract, the Insurance Company shall, after an insured event has occurred and has been
reported, if a valid legal ground exists, deliver the services set forth in the special conditions, up to the limits of the
insurance covers specified in the table below in total for each insured event, and the Insured may claim services
without upper limits only once with respect to any one insured event.
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Name of the insurance product: Studium Travel Insurance Card
Summary of Covers
A) Medical Emergency and Insurance
Reimbursement of medical costs
- in the event of accident
- in the event of illness
- including costs per tooth of emergency dental treatment (max. 2 teeth)
8.500.000
8.500.000
EUR 100
Arrangement of repatriation, reimbursement of excess costs incurred without limits
Emergency Assistance Services:
- sending a physician or disclosing a physician's address, arranging health
care treatment
yes
- arranging medical transportation to a physician or hospital, if required yes
- informing relatives yes
- continuous contact with the health care institute providing treatment yes
Reimbursement of other expenses incurred due to an accident or illness 50.000
Arrangement of the transportation of a deceased person home, and
reimbursement of costs incurred
2.000.000
B) Further Travel Assistance
Returning home at a different date because of an accident or illness
- Accommodation costs for the Insured for up to 4 nights
- Accommodation costs for a relative for up to 4 nights
- Reimbursement of additional travelling costs incurred because of a
relative accompanying the Insured home:
EUR 50/night
EUR 50/night
without limits
Reimbursement of accommodation costs of a relative during the
hospitalization of the Insured
EUR 50/night
Visiting a patient:
- travelling costs
- accommodation costs for up to 4 nights
without limits
EUR 50/night
Repatriation of child without limits
Curtailment without limits
Forwarding financial aid 250.000
Information provision when travel documents are lost service
C) Motor Vehicle Roadside Assistance - Basic Services
Information on car breakdown rescue companies service
Assistance in transporting the passanger vehicle home in the event of
illness or accident of the Insured (driver service)
100.000
D) Accident Insurance
Accidental death insurance 500.000
Insurance for death arising from a traffic accident (in addition to accidental
death benefit)
1.000.000
Disability insurance for accident-related permanent injury to health
(disablement) (100%) (in other cases a sum determined in compliance with
the insurance conditions)
500.000
E) Luggage Insurance, Replacement of Travel Documents
Theft of luggage or travel documents, or their damage arising from an
accident or elemental peril
100.000
- limit per item 25.000
- including reimbursement of costs incurred in the replacement of travel
documents
10.000
F) Luggage Delay (abroad)
- Lump-sum benefit payable for luggage delay for a period in excess of 24
hours
25.000
The Insurance Company shall pay insurance services arising from any one insured event up to a maximum
of HUF 300 million in total. This limit applies irrespective of the number of contracts affected by the
particular event, or of the service limits specified for each Insured or insured event in the particular
contracts.
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Language of communication: the Insurance Company and EUB-Assistance undertakes to maintain
communication with the Insured or the person acting on behalf of the Insured in Hungarian or in English. In
the case of disputes, the statements made in Hungarian shall prevail.
5. Limit on the Number of Insured events
The Insurance Company shall assess insurance claims arising from no more than two reported insured events
within the same period of insurance, and the cover of the Insurance Company shall terminate at the time
when the insurance claim arising from the second insured event is received. Filing an insurance claim shall
include all reports made to the Insurance Company with reference to a contract number and an event affecting the
Insured person which claims an insurance service or benefit of the Insurance Company, regardless of whether such
claim was filed in writing or was made in person to the Insurance Company or to the assistance partner of the
Insurance Company. If, in respect of any one period of insurance, the Insurance Company receives several
insurance claims arising from a number of insured events, the Insurance Company shall assess the claims in
respect of the two events which were chronologically first reported and received. The cover of the Insurance
Company shall terminate upon receipt of the second insurance claim even if the Insurance Company shall
not pay the insurance service for the claims received on the grounds of limitations set forth in the insurance
terms and conditions.
6. Conditions for Payment of Insurance Services
6.1. Deadline to Report an Insured Event
(1) The Insurance Company shall only pay the insurance services if the occurrence of the insured event is
reported to the Insurance Company (e.g.: by telephone or fax) within the shortest possible period (but no
later than within 24 hours), and the documents required for the assessment of the insurance claim are
submitted to the Insurance Company (e.g.: by fax), and the Insurance Company approves the use of services
except for services described in Sections E) Luggage Insurance, Replacement of Travel Documents and F)
Luggage Delay (abroad), in which cases the claim shall be filed no later than within 30 days upon the occurrence
of the insured event by submitting the documents specified in the special conditions as the requirements of service
payment to the Insurance Company.
(2) Where the above time limits are not observed, and as a result material conditions or circumstances may not be
revealed, the Insurance Company shall be exempt from payment of the insurance service.
6.2. Documents Required for Payment of Insurance Services
When filing an insurance claim in respect of an insured event, all documents prescribed in the special conditions
for the particular insured event and service type shall be submitted.
6.3. Place of Filing a Claim
The address of the office of the Insurance Company where claims are received in writing or in person: 1132
Budapest, Váci út 36-38., (tel.: (1) 452-35-80, fax: (1) 452-33-12). If these terms or conditions stipulate that
payment of a certain insurance service is subject to prior telephone notification (reporting), such
notification shall be made to the 24-hour Emergency Assistance Service of EUB (hereinafter: EUB
Assistance). You may contact EUB Assistance at: tel.: (36 1) 465-3666, fax: (36 1) 452 3920.
6.4. Due Date of Payment of Insurance Services
(1) Pursuant to the insurance contract, the Insurance Company shall undertake to pay the insurance services
specified in the Schedule of Covers under paragraph 4, if an insured event occurs during the period of the
insurance cover within the geographical limit defined in the insurance contract provided that a valid legal ground
exists.
(2) The Insurance Company shall settle any insurance claim filed within 15 days upon receipt of all documents
necessary for the assessment of such claim, unless otherwise stipulated in the special conditions.
(3) In the case when the documents required by the Insurance Company were not submitted or were incomplete
despite the insurer's reminder, the Insurance Company may refuse the claim or may assess it on the basis of the
documents available.
7. Exemption of the Insurance Company from Payment of Services
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(1) The Insurance Company shall be exempt from payment of the insurance service if the insured event was caused
by an unlawful, or willful behavior of the policyholder or the Insured or in gross negligence by them.
(2) The Insured shall be acting in gross negligence in particular if:
(a) at the time when the insured event occurred the Insured was intoxicated. If a blood alcohol level test was
taken, a blood alcohol level exceeding 0.8‰ shall indicate alcohol intoxication,
(b) the insured event occurred in consequence of using the following materials with a purpose other than the
indication of the physician or in other than the prescribed dose:
- narcotic or hallucinogenic drug
- narcotic substances,
- medicine.
(c) he/she was driving a motor vehicle which did not have a valid certificate of registration, or which the
Insured did not have a valid driving license for,
(d) the Insured has committed at least two traffic offences before the occurrence a traffic accident.
(3) The Insurance Company shall be exempt from payment of the sum insured if the Insured failed to comply with
their obligations to prevent and mitigate loss.
(4) The Insurance Company shall be exempt from payment of the insurance service where the time limit for
reporting an insured event is not observed (Section 6.1 of General Terms and Conditions), and as a result material
conditions or circumstances may not be revealed.
(5) The Insurance Company shall be exempt from payment of the insurance service if the Insured was not staying
in the territory of the Republic of Hungary at the time when the insurance contract was concluded.
(6) The Insurance Company shall be exempt from payment of the insurance service in cases set forth in the special
conditions.
8. Events Excluded from the Insurance Cover
(1) The insurance will not cover you in events which are in part or in whole caused by any of the following:
(a) mental abnormality,
(b) ionizing radiation,
(c) nuclear energy,
(d) war, combat operations, hostile actions of foreign forces, civil disorders, coup d’état or attempted coup
d’état, riots, civil war, revolution, rebellion, demonstration, procession, labor acts, terrorist acts, work
misbehavior, border conflicts, insurrection,
(e) suicide or attempted suicide of the Insured
(f) events in any way related to addictions, or withdrawal of medicine, alcohol or drugs.
For the purposes of these insurance conditions, terrorism shall in particular mean unlawful acts involving violence
or the threat of violence which endanger human life, tangible or intangible assets or the infrastructure in support of
political, religious, ideological, ethnic purposes or which are intended to influence any government or to create
fear and terror in the whole or a part of society, or which are suitable for the above.
(2) Furthermore, the insurance cover will not apply to events which occur during participation in any of the
following activities, or events which are in part or in whole caused by participation in any of these activities:
(a) engagement in sports activities (competition or training) as a professional athlete or competitor
(b) professional physical occupation (in compliance with operative legislation driving a commercial motor
vehicle which requires holding a commercial driving license (i.e.: cannot be driven with a Category 'B' driver's
license) or driving any motor vehicle, irrespective of the features of such vehicle, as a professional gainful
activity shall be physical occupation),
(c) engaging in or practicing for the following activities, which for the purposes of these insurance conditions
shall be dangerous sports: motor sports (racing or training), scuba diving, rock climbing, mountaineering (see:
Section 8(3)), expedition of any nature, caving, hunting, whitewater rafting, sea kayaking, hydrospeed, using a
banana tube towed by a powerboat, a jet ski or a quad, bungee jumping, canyoning, parachuting, kite surfing,
paragliding, traveling on a free-flying aviation aircraft (whether as crew or passenger), traveling on a power
aviation aircraft (whether as crew or passenger) except when traveling as a passenger on scheduled flights with
official license issued in compliance with regulations on passenger transport.
(3) For the purposes of these insurance terms and conditions, the term mountaineering shall include hiking on
mountains if the Insured goes off the recognized and authorized areas or routes, or where road conditions require
the use of special equipment (e.g.: rope protection, crampons, ice axes etc.). Mountaineering shall furthermore
include hiking on “Klettersteig” (“via Ferrata”) type routes, and above altitude of 3,500 meter above sea level.
(4) The insurance cover shall not apply to furthermore:
(a) consequential losses of any nature (e.g.: the Insurance Company shall not pay the costs of any travel or other
services not used because of the occurrence of an insured event)
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(b) non-pecuniary losses,
(c) events occurring in relation to the Insured's participation in any sports activities without using necessary
protective equipment or without complying with the generally accepted rules applicable to a specific sports
activity,
(d) events occurring in relation to the Insured's failure to comply with regulations on the activity he/she
participated in, issued by the competent authorities where they are acting or by the operator of the given
facilities.
9. Procedure for disputes or disagreement
If the person filing the insurance claim does not accept the amount of the service (claims payment) the Insurance
Company determined, such person may request an override of the claims payment. The person filing the insurance
claim may request an override within 60 days upon receipt of the Insurance Company's notice on the amount of the
claims payment or on the refusal of the insurance claim by filing a written statement to the Insurance Company.
10. Making complaints, Customer complaints forum
(1) Any complaint in connection with the insurance contract may be filed in writing to the Insurance Company:
Európai Utazási Biztosító Zrt., Customer Service, 1132 Budapest, Váci út 36-38.
(2) The Insurance Company shall investigate all complaints or notices, and shall send written notification to the
complainant of the findings of the investigation within 30 days upon receipt of the letter of complaint (or within 15
days if the complaint was declined).
(3) The Insurance Company is supervised by the Hungarian Financial Supervisory Authority (address: 1013
Budapest, Krisztina krt. 39.).
(4) All lawsuits in connection with insurance services shall be exclusively referred to jurisdiction of the Pest
Central District Court. (3) If pursuant to Act III of 1952 on the Code of Civil Procedure legal proceedings shall be
referred to the jurisdiction of a regional court, it shall be within the competence of the Metropolitan Court.
11. Period of Limitation
All claims enforceable under the contract shall be subject to a limitation period of two years following the date
when the insured event occurred. If the insured event is reported within that period, the limitation period shall be
two years from the date of receipt (see Section 12.1) of the last legal statement made between the Insurance
Company and the Policyholder, or the Insured, or other obligees to the contract.
12. Miscellaneous Provisions
12.1 Conditions for the Effect of Legal Statements (notifications, reporting)
(1) The Insurance Company shall consider proposals, legal statements, or notifications supplied to it effective only
when these are made in writing. The Insurance Company shall supply all statements to the parties affected by the
contract in writing.
(2) If the Insurance Company sends a legal statement in a registered mail to the last know address of the
Policyholder, the insured or any other affected parties, such mail shall be considered delivered when it has been
received at the address. If the mail with the legal statement sent by the Insurance Company is not collected by the
recipient, such mail shall be considered delivered on the 8th day after the Insurance Company mailed it.
12.2 Special Provisions
12.2.1. Definition of accident and traffic accident
For the purposes of these general conditions, the term accident shall mean a sudden, one-time, external physical
and/or chemical impact occurring during the period of insurance, independently of the will of the Insured which
results in anatomical injury confirmed by a specialist which requires acute, targeted medical procedure.
(2) With respect to the risks and services set forth in chapters D) and E) of the special conditions accident shall not
include:
(a) meningoencephalitis and/or encephalitis developed as a consequence of poliomyelitis or tick bites
(b) rabies,
(c) tetanus infection,
(d) any infection transmitted by humans, or animals or other living organisms even when developed as a result
of an accidental physical cause,
(e) congelatio (frostbite), sunstroke, overstrain caused by lifting, and heat apoplexy,
(f) occupational diseases (harm),
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(g) sprains or strains, not resulting in any new injury toligaments or muscles and not requiring open surgery to
any anatomical formula in their acute phase,
(h) disc herniation, and other diseases with herniation,
(i) where anatomic changes in direct causality with the current accident cannot be confirmed on the basis of the
medical documentation available.
(3) For the purposes of these general conditions, the term traffic accident shall mean an accident suffered by the
Insured and documented in a police report if the Insured was involved in the accident as a pedestrian, the driver of
a vehicle or a passenger.
(4) For the purposes of these general conditions, the term traffic accident shall not include:
(a) non-vehicular pedestrian accidents where the accident was not caused by a vehicle in motion.
(b) bicycle accidents where the accident was not caused by another vehicle or pedestrian,
(c) vehicle passenger accidents, where the accident did not occur as a consequence of the motion or stop of the
vehicle or of another vehicle.
12.2.2. Definition of physician, medical services and hospital
(1) For the purposes of these general conditions, the term physician shall mean any medical doctor holding a
degree of Doctor of Medicine (MD) which documents a mastery of a medical specialization required for the
specific medical treatment and is legally qualified as a practitioner of medicine at the place of the treatment, and
who holds all licenses officially issued by the competent authority and/or professional board, required for
exercising the specific type of medical care at the place of treatment, and is listed in the national registry of
physicians.
(2) Medical services shall mean health care services (medical attention) provided by a physician (see 12.2.2.(1)).
(3) For the purposes of these general conditions hospital shall mean institutions providing in-patient care
recognized and licensed by the competent authorities and professional supervision operating in the country where
health care services are provided, and which operate under permanent medical attendance and control. For the
purposes of this insurance the term hospital shall not include sanatoriums, rehabilitation centers, thermal or
hydromineral establishments, alcohol and drug detoxification institutions, even if hospitalized in-patient care is
provided, and hospital departments providing the above services on condition that the Insured receives services in
line with the specialization of such department.
12.2.3. Qualification of the Insured's sports activities
(1) Professional athlete: any Insured who entered into employment or other work-related legal relation with a
sports association, or is engaged in sports activities as a sole proprietor to gain earnings, and is licensed as a
professional athlete by a sports association, or the national sports federation.
(2) For the purposes of these general conditions any Insured shall be regarded as a competing athlete (hereinafter:
competing athlete) who is engaged in sports activities as a non-professional athlete if he/she participates in
competitions (e.g.: championships, matches) irrespective of the nature of such competition.
(3) For the purposes of these general conditions any Insured shall be regarded as an amateur sportsman who is
engaged in sports activities as a non-professional and non-competing sportsman.
12.2.4. Foreign trip
For the purposes of these insurance conditions, foreign trip shall mean a journey departing from the territory of the
Republic of Hungary with a clear destination in the territory of a foreign country (or foreign countries), and
returning back to the territory of the Republic of Hungary from the given foreign country (or countries).
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II. Special Conditions
A) Medical Emergency and Insurance
1. Insured Events
(1) Insured events: the insurance cover shall apply to the illness or accident of the Insured in a foreign country
during the period of insurance, when as a result there is a medical reason for the Insured to receive emergency
medical services (see: Section 1.(3)). The insurance cover shall furthermore apply to the death of the Insured in a
foreign country.
(2) The date of an insured event is the date when an accident happens, or when symptoms of an illness appear, or
when injury to health is detected.
(3) Emergency medical services (EMS) shall mean medical services justified by official medical documentation,
which the Insured receives abroad for any one of the following reasons:
(a) if the absence of immediate medical attention is likely to endanger the life or health of the Insured, or may
cause permanent and non-recoverable damage to the health of the Insured,
(b) if the symptoms of the Insured's illness (loss of consciousness, hemorrhage, acute infections, high body
temperature, vomiting, etc.) justify immediate medical attention,
(c) if the Insured suffers severe damage to health during the period of insurance and requires immediate medical
attention,
(d) if the Insured requires immediate medical attention after an accident.
(4) Official medical documentation shall be any medical document issued by a physician (or specialist if required)
licensed to practice medicine at the place where the insured event occurs.
2. Services included in medical emergency and insurance
2.1. Reimbursement of medical costs
(1) The Insurance Company shall pay for costs incurred from the following medical services received abroad within
the framework of emergency medical care (see Section A)1.(3)) and supported by invoices, subject to the provisions
set forth in Sections (2)-(6), altogether up to the limit specified in the Schedule of Covers under Section 4 of the
general terms and conditions:
(a) medical tests, medical treatment,
(b) pharmaceuticals purchased on a medical prescription issued for an individual named patient, where purchase
must be supported by an original invoice,
(c) transporting a patient by emergency medical services (ambulance) to a physician or to hospital (including the
costs of reasonable mountain, water or helicopter rescue services),
(d) in hospital treatment,
(e) laboratory tests,
(f) intensive care,
(g) emergency surgery as defined in general medical practice,
(h) crutches, knee- and elbow fixators, compression stockings purchased on medical prescription,
(i) emergency prenatal or obstetrics care prior to the 25th week of gestation,
(j) costs of emergency dental treatment and not accident-related oral surgery for up to two teeth (temporary
treatment for the immediate relief of pain or discomfort including the cost of medicine prescribed by the dentist),
for each tooth up to the limit specified in the Schedule of Covers under Section 4 of the general terms and
conditions (costs of an endodontic therapy are only covered if it is necessary for a temporary filling),
(k) accident-related oral surgery.
(2) The Insurance Company shall only pay the insurance services if the occurrence of the insured event is reported
to the Insurance Company (e.g.: by telephone or fax) within the shortest possible time (but no later than within
24 hours), and the documents required for the assessment of the insurance claim are submitted to the Insurance
Company (e.g.: by fax), and the Insurance Company approves the use of services. If the Insurance Company
does not receive preliminary notification in accordance with the above provision, and the Insurance
Company does not approve the use of services in advance, the Insurance Company shall reserve the right to
only cover the costs incurred up to the limit of EUR 300 (against verified specialist medical documentation
and invoices).
(3) The Insurance Company shall only cover the costs of services provided by health care service provider(s)
recognized and licensed by the competent authorities and professional supervisory organization operating in the
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country where health care services are provided (as well as costs of pharmaceuticals and therapeutic aids ordered by
such service providers).
(4) The Insurance Company shall only cover the normal costs incurred reasonably at the place of the service
provision, without a choice of physicians, from general medical treatment, subject to average health care rates used
at the place where the service was provided.
(5) The Insurance Company shall be entitled to arrange that a commenced medical treatment be continued in another
institution selected by the Insurance Company, provided that such arrangements do not jeopardize the medical
condition of the Insured.
(6) The Insurance Company reserves the right to cover the costs of medical services received abroad only up to the
time when the medical condition of the Insured is suitable for his/her repatriation or return to the territory of the
Republic of Hungary.
(7) The Insurance Company shall not pay the extra costs incurred because by the decision or due to the non-
cooperation of the Insured the Insurance Company could not repatriate the Insured to the territory of the Republic of
Hungary for further medical treatment, although it was medically possible, or because the Insured was unwilling to
return to the Republic of Hungary to continue his/her medical treatment, or because the Insured was not willing to
cooperate with the Insurance Company as set forth in the provisions of Section (5).
2.2. Arrangement of repatriation, reimbursement of excess costs incurred
(1) The Insurance Company shall pay for the additional traveling or medical costs (costs of justified medical escort)
incurred as a consequence of the repatriation or return journey of the Insured to the territory of the Republic of
Hungary in the following cases:
(a) if the Insured receives continuous emergency medical services abroad, but his/her medical conditions make
his/her repatriation to the Republic of Hungary possible (supported by a written statement of the treating physician),
and the Insurance Company decides to repatriate the patient in lieu of continuing emergency medical treatment
abroad,
(b) if the Insured, although no longer receives emergency medical care, in the opinion of the treating physician is not
able to return home in the originally planned way as a consequence of the insured event, and his/her medical
condition makes his/her repatriation or return journey to the Republic of Hungary possible. The Insurance Company
shall not be obliged to provide the service before the last day of the insurance period.
(2) The date and method of the repatriation or return journey shall be decided by the Insurance Company after
preliminary consultations with the treating physician and the medical institution.
(3) Within the territory of the Republic of Hungary the Insured will be repatriated to either a medical institutions
where treatment is continued or to the address of the Insured.
(4) The Insurance Company shall cover any costs incurred after the repatriation or return journey to the territory of
the Republic of Hungary.
(5) The Insurance Company is not obliged to provide the service if the return journey of the Insured originally had
not been arranged to take place within the period of insurance, and the return of the Insured is therefore is not
arranged.
(6) The Insurance Company will not pay for the costs of any return journey which was completed without the
prior authorization of the Insurance Company.
(7) The Insurance Company shall not be obliged to provide the service if the Insurance Company was not
notified of the accident or illness as soon as possible (no later than within 24 hours after the occurrence of the
insured event).
2.3. Emergency Assistance Services
(1) After a preliminary telephone notification, the Insurance Company shall, if so requested by the Insured, send a
physician to the Insured's place of stay as soon as practicable, or shall direct the Insured to a physician at a given
address.
(2) If necessary, the Insurance Company shall arrange the further emergency medical treatment of the Insured.
(3) When medically required, the Insurance Company shall arrange that the Insured is transported to a physician or
hospital by ambulance or taxi.
(4) Throughout the emergency medical treatment, the Insurance Company shall maintain continuous contact with the
treating physician and the medical institution.
(5) The Insurance Company shall regularly inform a person in Hungary named by the Insured about the condition of
the Insured.
2.4. Reimbursement of other expenses incurred due to an accident or illness
The Insurance Company shall pay for the following costs incurred abroad as a result of an insured event if supported
by invoices, up to the limits specified in the Schedule of Covers under Section 4 of the general terms and conditions:
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- cost of transportation for the Insured and one escort person to the physician or hospital, if by passenger vehicle,
public transport or, in medically justified cases, by taxi,
- telephone and fax costs incurred as a result of an insured event up to the limit of HUF 13,000.
2.5. Arrangement of the transportation of a deceased person home, and reimbursement of costs incurred
(1) If the Insured dies abroad, the Insurance Company shall arrange that the body of the deceased person is
repatriated to the territory of the Republic of Hungary, or to the country of citizenship of the Insured, and shall cover
its costs up to the limit specified in the Schedule of Covers. A condition for the arrangement of the repatriation and
the cover of its costs is that a relative of the Insured submit the following documents to the Insurance Company, or
cooperate in obtaining them, if necessary:
(a) a document attesting the death (death certificate),
(b) an official or medical certificate attesting the cause of death,
(c) in the case of an accident, documents required for clarification of the circumstances of death (e.g.: official
report),
(d) statement from the recipient cemetery,
(e) the insurance contract or policy.
(2) The Insurance Company will not pay for the costs of transporting a deceased person home if it was
completed without the prior authorization of the Insurance Company.
(3) The Insurance Company shall not be obliged to provide the service if the Insurance Company was not
notified of the disease or accident indicated as the cause of death as soon as possible (no later than within 24
hours after the occurrence thereof).
3. Conditions for Payment of Insurance Services
(1) The insurance claim shall be filed in writing to the Insurance Company after a telephone notification in
accordance with the provision in Section 2.1.(2).
At the time of filing the insurance claim, the following documents shall be submitted (except for the transportation
of a deceased person, where provisions of Section 2.5 shall be applicable):
(a) the insurance contract
(b) a duly completed insurance service claim form provided by the Insurance Company
(c) a copy of all medical documents created in connection with the insured event from its occurrence until the
announcement of the insurance claim, including a document of the diagnosis, and detailed description of the applied
medical treatment,
(d) original copies of the invoices for any and all costs incurred (e.g.: medical services received abroad, medications,
telephone etc) made out the name of the Insured,
(c) in the case of an accident, documents required for clarification of the circumstances of the accident (e.g.:
accident report),
(f) in the case of a traffic accident, a detailed on-site report issued by the competent authorities, and the resolution
closing the investigation, the police or medical documentation on the blood alcohol level,
(g) if an official investigation was initiated in connection with the insured event, the resolution closing such
investigation (the resolution refusing or terminating the proceedings, or a binding court decision),
(h) in the case of an organized package holiday, the official report of a representative of the travel agency with
respect to the occurrence of the insured event and its circumstances.
(3) The Insurance Company may request pre-existing conditions of the Insured health.
(4) For the assessment of the insurance claim, the Insurance Company may request or obtain further certificates or
statements.
4. Events Excluded from the Insurance Cover
(Medical emergency and insurance)
(1) The insurance cover shall not apply to diseases or accidents which are:
(a) in part or in whole caused by any medical condition existing prior to the commencement of the insurance
cover, or of the foreign trip (e.g.: illness, complaint, symptom),
(b) treated by a physician within six months prior to the commencement of the insurance cover, or of the foreign
trip, or the treatment of which would have been medically required.
(2) The insurance cover shall not apply furthermore to:
(a) psychiatric and psychic diseases
(b) control tests, post- or follow-up treatment
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(c) treatment or care provided by a close relative
(d) physiotherapy, acupuncture, treatment provided by a herbalist, corrective-gymnastic therapy,
(e) vaccination, routine or screening examinations,
(f) sexually transmitted diseases, acquired immunodeficiency syndromes (e.g. AIDS), or related illnesses,
(g) costs related to contact lenses, glasses,
(h) prenatal care, prenatal routine examinations,
(i) infant or child care,
(j) definitive dental care, orthopaedic treatment of the mandible (except accidents), orthodontics, paradontic
treatment, removal of odontolith, prosthetic dentistry, tooth crown (except: temporary repair of a broken tooth
crown), preparation or repairs of dentures or bridges,
(4) costs incurred after the return to the territory of the Republic of Hungary.
B) Further Travel Assistance
1. Returning home at a different date because of an accident or illness
1.1 Insured Event
The insured event is the acute illness or accident of the Insured in a foreign country during the period of insurance,
as a result of which there is a medical reason for the Insured to receive emergency medical services in a hospital
abroad (see: Section A)1.(3)), and after the release of the Insured from such hospital, his/her medical conditions do
not make it possible to return home to the territory of the Republic of Hungary at the date originally planned, or
before the last day of the insurance period. For the purposes of the services specified under Sections 1.2.(b) and (c)
the death of the Insured shall be considered an insured event.
1.2 Service of the Insurance Company
If an insured event occurs and is reported in compliance with the relevant provisions, the Insurance Company shall:
(a) make arrangements for the hotel accommodation of the Insured, and shall cover the costs of such accommodation
for up to 4 nights against an invoice, up to the limit per night specified in the Schedule of Covers under Section 4 of
the general terms and conditions,
(b) make arrangements for hotel accommodation for the duration of the hospitalization for one family member of the
Insured staying abroad with the Insured, or for any one person designated by the Insured, and shall cover the
additional costs of such accommodation for up to 4 nights against an invoice, up to the limit specified in the
Schedule of Covers under Section 4 of the general terms and conditions,
(c) arrange that a family member staying abroad with the Insured may travel home with the Insured on the same day
and shall cover the additional costs incurred.
2. Reimbursement of accommodation costs of a relative during the hospitalization of the Insured
2.1 Insured Event
The insured event is the acute illness or accident of the Insured in a foreign country during the period of insurance,
as a result of which there is a medical reason for the Insured to receive emergency medical services in a hospital
abroad (see: Section A)1.(3)).
2.2. Service of the Insurance Company
If an insured event occurs and is reported in compliance with the relevant provisions, the Insurance Company shall
arrange hotel accommodation for the duration of the hospital treatment for one family member of the Insured staying
abroad with the Insured, or for any one person designated by the Insured if the accommodation originally booked is
20 km or more from the place of hospitalization, or if the Insured is under 14, and shall cover the additional costs of
such accommodation for such person for up to 4 nights against an invoice, up to the limit specified in the Schedule
of Covers under Section 20 of the general terms and conditions.
3. Visiting a patient
3.1. Insured Event
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The insured event is the acute illness or accident of the Insured in a foreign country during the period of insurance,
as a result of which there is a medical reason for the Insured to receive emergency medical services in a hospital
abroad (see: Section A)1.(3)), and the insured's hospitalization is expected to exceed 10 days, or the condition of the
Insured is life-threatening.
3.2. Service of the Insurance Company
The Insurance Company shall arrange for a person named by the Insured travel from the territory of the Republic of
Hungary to the residence of the insured, there and back, (covering the gas bill of a motor vehicle, or a Class II train
ticket or scheduled coach ticket, or passenger class airplane ticket, at the discretion of the Insurance Company), and
shall cover the costs of hotel accommodation for up to 4 nights against an invoice, up to the limit per night specified
in the Schedule of Covers under Section 4 of the general terms and conditions.
4. Repatriation of child
4.1. Insured Event
The insured event is the acute illness or accident of the Insured in a foreign country during the period of insurance,
as a result of which the Insured must receive emergency medical services in a hospital abroad (see: Section A)1.(3)),
or the Insured dies and if, as a consequence, a child traveling with the Insured is left without supervision.
4.2. Service of the Insurance Company
If an insured event occurs the Insurance Company shall arrange for the child to be repatriated to the Republic of
Hungary, and shall cover additional costs incurred from it.
5. Curtailment because of a relative’s illness or death in the home country
5.1 Insured Event
The insured event is, if subsequent to the commencement of the Insured's foreign trip, a close relative (as set forth in
Section 685(b)of the Hun. Civil Code) of the Insured or of his/her spouse or of his/her common-law spouse living in
Republic of Hungary dies, or is in critical condition.
5.2. Service of the Insurance Company
(1) If an insured event occurs the Insurance Company shall arrange for the Insured to travel home to the Republic of
Hungary prematurely, and shall cover additional costs incurred from it. This insurance service shall be subject to the
condition that when sending notification to the Insurance Company, the remaining insurance period shall be at least
2 days.
(2) The Insurance Company shall not pay for the costs of the journey back abroad.
6. Forwarding Financial Aid
6.1. Insured Event
The insured event is when the Insured, through no fault of his/her own requires urgent financial help.
6.3. Service of the Insurance Company
If an insured event occurs the Insurance Company undertakes to arrange that a financial help totaling up to the limit
specified in the Schedule of Covers under Section 4 of the general terms and conditions, and paid by the
representative of the Insured in Hungary to the Insurance Company is delivered to the Insured. The sum paid to the
Insurance Company shall be exchanged to the required currency at the official exchange rate of the bank selected by
the Insurance Company. Transaction costs of the money transfer shall be borne by the Insured.
7. Information provision when travel documents are lost
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7.1 Insured Event
The insured event is the loss or theft of the Insured's passport, vehicle certificate of registration, driver's license,
travel ticket, bank card or other cash replacement instrument in a foreign country, or the destruction of the above in
an accident.
7.2 Service of the Insurance Company
If an insured event occurs the Insurance Company shall assist the Insured by supplying the Insured with all the
necessary information and official telephone numbers required for the replacement of the lost documents or payment
instruments.
8. Conditions for Payment of Insurance Services
Conditions for Payment of Insurance Services with respect to the services of B) Further Travel Assistance are set
forth in Chapter C) 3.
9. Events Excluded from the Insurance Cover
Events excluded from the cover of B) Further Travel Assistance are set forth in Chapter C) 4.
C) Motor Vehicle Roadside Assistance - Basic Services
1. Information on car breakdown rescue companies
1.1 Insured Event
The insured event is when the Insured's passenger vehicle breaks down in a foreign country or is damaged in a
traffic accident, and as a result the Insured is required to seek the services of a car breakdown rescue company
abroad.
1.2 Service of the Insurance Company
If an insured event occurs the Insurance Company undertakes to inform the Insured of the telephone number and
address of car breakdown rescue companies operating at or around the Insured's place of stay, if so requested by the
Insured. The Insurance Company shall provide this service only in Europe when the term is used in the geographical
sense (with the exception of the new independent states of the former Soviet Union).
(2) The Insurance Company shall not pay for the costs of the roadside assistance.
2. Assistance in transporting a passenger vehicle home in the event of illness or accident of the Insured
(driver service)
2.1 Insured Event
The insured event is the acute illness or accident of the Insured in Europe when the term is used in the geographical
sense (with the exception of the new independent states of the former Soviet Union) during the period of insurance,
as a result of which there is a medical reason for the Insured to receive emergency medical services in a hospital
abroad (see: Section A)1.(3)), and as a result, in the medical opinion of a physician the Insured is not allowed to
drive a motor vehicle at the scheduled time of return home, and consequently cannot travel home in his/her working
passenger vehicle, and neither can the companions staying abroad with the Insured drive such vehicle home.
2.2. Service of the Insurance Company
(1) If the Insured traveled abroad in a passenger vehicle and as a consequence of an accident he/she cannot return
the working passenger vehicle home, and neither can the companions staying abroad with the Insured drive such
vehicle home, the Insurance Company shall arrange that a person appointed to drive the passenger vehicle will travel
from the territory of the Republic of Hungary to the Insured's place of residence and shall cover the additional travel
costs incurred from it (gas bill of a motor vehicle, or a Class II train ticket or scheduled coach ticket, or passenger
class airplane ticket, at the discretion of the Insurance Company) up to the limit specified in the Schedule of Covers
under Section 1 of the general terms and conditions.
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(2) The Insurance Company shall only provide the above service if the insurance claim is reported as soon as
practicable after the communication of the medical decision, but no later than on the last day of the hospitalization,
and the written medical opinion is submitted at the same time. The Insurance Company shall not be obliged to
provide the service before the last day of the insurance period.
3. Conditions for Payment of Insurance Services with respect to the services of B) Further Travel Assistance and
of C) Motor Vehicle Roadside Assistance - Basic Services
(1) The insurance claim must be reported as soon as practicable (but within 24 hours after the occurrence of the
insured event) by telephone, and subsequently in writing to the Insurance Company, save for the cases set forth in
chapters B)7. and C)1., and the approval of the Insurance Company with respect to receipt of the service must be
obtained. The Insurance Company will not pay for the costs of any service used without the prior
authorization of the Insurance Company.
(2) At the time of filing the insurance claim, the following documents shall also be submitted:
(a) the insurance contract
(b) a duly completed insurance service claim form provided by the Insurance Company
(c) a copy of all medical documents created in connection with the insured event from its occurrence until the
announcement of the insurance claim, including a document of the diagnosis, and detailed description of the
applied medical treatment,
(d) original copies of the invoices for services available for consideration (e.g.: hotel bill, detailed telephone
invoice) made out the name of the Insured,
(c) in the case of an accident, documents required for clarification of the circumstances of the accident (e.g.:
accident report),
(f) in the case of a traffic accident, a detailed on-site report issued by the competent authorities, and the
resolution closing the investigation, the police or medical documentation on the blood alcohol level,
(g) if an official investigation was initiated in connection with the insured event, the resolution closing such
investigation (the resolution refusing or terminating the proceedings, or a binding court decision),
(h) in the case of an organized package holiday, the official report of a representative of the travel agency with
respect to the occurrence of the insured event and its circumstances.
(3) For the services specified in Chapters B)1.,4.,5, in addition to the documents listed in paragraph (2), the ticket
for the originally scheduled return journey, travel contract, or when traveling in the Insured's own motor vehicle, the
vehicle's certificate of registration and the driver's license must also be submitted to the Insurance Company by fax
prior to receiving the service.
(4) As regards the service specified in Chapter C)2., 'Assistance in transporting the passenger vehicle home in the
event of illness or accident of the Insured (driver service)' the Insurance Company shall only deliver the insurance
service if, in addition to the documents listed in paragraph (2), a written medical opinion of the physician treating
the Insured abroad attesting the Insured's incapability to drive and the vehicle's certificate of registration and the
driver's license are also faxed to the Insurance Company.
(5) A preliminary condition for receiving the service referred to in chapter B)2. is supply of the invoice issued for
the original accommodation.
(6) For the assessment of the insurance claim, the Insurance Company may request or obtain further certificates or
statements.
4. Events excluded from the insurance cover of B) Further Travel Assistance and C) Motor Vehicle Roadside
Assistance - Basic Services
(1) The insurance will not cover you in events which are in part or in whole caused by any of the following:
(a) medical condition (e.g.: illness, complaint, symptom) existing prior to the commencement of the insurance
cover, or of the foreign trip,
(b) illness or accident of the Insured treated by a physician within six months prior to the commencement of the
insurance cover, or the treatment of which would have been medically required.
(2) The insurance cover shall not apply furthermore to the following diseases and treatment types, or events in
casual relation thereto:
(a) psychiatric and psychic diseases
(b) control tests, post- or follow-up treatment,
(c) treatment or care provided by a close relative
(d) physiotherapy, acupuncture, treatment provided by a herbalist,
(e) vaccination, routine or screening examinations,
(f) sexually transmitted diseases, acquired immunodeficiency syndromes (e.g. AIDS), or related illnesses,
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(g) costs related to contact lenses, glasses,
(h) prenatal care, prenatal routine examinations,
(i) infant or child care,
(j) definitive dental care, orthopaedic treatment of the mandible (except accidents), orthodontics, paradontic
treatment, removal of odontolith, prosthetic dentistry, tooth crown (except: temporary repair of a broken tooth
crown), preparation or repairs of dentures or bridges,
(4) costs incurred after returning to the territory of the Republic of Hungary.
D) Accident Insurance
1. Accidental death insurance
1.1 Insured Event
The insured event is any accident in a foreign country (as defined in 11.2.1 of the general terms and conditions) as a
result of which the Insured must receive emergency medical services in a hospital abroad (see: Section A)1.(3)), and
the Insured dies in direct causality with such accident within 1 year subsequent to the accident.
(2) The insurance cover shall not apply to events, where direct causality between the accident and the death cannot
be clearly established on the basis of the official medical report and/or coroner's report issued by the medical
institution competent at the place where the accident happened.
1.2 Service of the Insurance Company
(1) If an insured event occurs and is properly verified, the Insurance Company shall pay the insurance sum specified
in the Schedule of Covers under Section 4 of the general terms and conditions for the beneficiary of the Insured.
(2) If, prior to the death of the Insured, the Insurance Company has paid an insurance benefit for an accident-related
permanent injury to health (disability) with respect the same insured event, the insurance benefit for accident-related
death shall be reduced by the benefit amount settled for the disability claim.
1.3. Documents required for payment of insurance services
At the time of filing an insurance claim, the following documents shall also be submitted:
(a) the insurance contract,
(b) a duly completed insurance service claim form provided by the Insurance Company,
(c) the postmortem certificate,
(d) a certified copy of the Insured's death certificate,
(e) a copy of all medical documentation related to the medical services received abroad and in Hungary from the
occurrence of the accident until the death of the Insured, as well as documents required for the clarification of the
circumstances of the death event (e.g.: report of the treating physician, final hospital report, coroner's report,
etc.),
(f) a detailed police report or other official documentation, resolution or ruling with respect to the circumstances
of the accident,
(g) the document attesting the entitlement of the beneficiary (binding grant of probate, certificate of inheritance)
or an abstracted copy or official copy thereof which clearly states who the heirs are, and the data of the notary
public.
(6) For the assessment of the insurance claim, the Insurance Company may request or obtain further certificates
or statements.
2. Insurance for death arising from a traffic accident
2.1 Insured Event
The insurance cover shall apply to traffic accidents (as defined in: Section I./12.2.1.(3)) where the Insured dies
within one year after a traffic accident as a result of the bodily injuries suffered in the accident.
2.2. Service of the Insurance Company
(1) If an insured event occurs and the cause of the event is properly verified, the Insurance Company shall pay the
insurance sum specified in the Schedule of Covers under Section 4 of the general terms and conditions for the
beneficiary of the Insured (in addition to the insurance sum specified in section D) 1.2.).
2.3. Conditions for Payment of Insurance Services
At the time of filing an insurance claim, the documents listed in Section 1.3 of Chapter D) shall also be submitted.
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3. Disability insurance for accident-related permanent injury to health (disablement)
3.1. Insured Event
(1) The insurance cover shall apply to any accident in a foreign country (as defined in 11.2.1 of the general terms
and conditions) as a result of which the Insured suffers permanent injury to health at a degree of 25% or higher
verified by a medical expert within 2 years after the insured event, but maximum after two years, provided that the
accident caused anatomic damage which requires acute, targeted medical treatment and it is attested by the foreign
specialist.
(2) Injury to health shall mean the loss of any physical and/or mental function which confines the patient in his/her
normal conduct. The extent of the permanent injury to health shall be established on the basis of the loss of function
caused by the anatomic damage suffered in the accident.
(3) Injury to health shall be permanent if the medical condition of the Insured is unchanging, stable. The extent of
the permanent injury to health shall be established after the Insured's final condition has stabilized on the basis of
the medical documentation available, and if medically necessary, after completing personal medical examinations,
subject to directives defined by the accident insurance medical expert of MABISZ (Association of Hungarian
Insurance Companies).
(4) When establishing permanent injury to health, no change in the Insured's capacity for work and/or a constraint to
terminate a sports activity shall be considered. No adverse aesthetic effect or other (social, financial, etc.) detriment
caused by the accident shall in itself be ground for an insurance claim with respect to permanent injury to health.
(5) The date of the insured event shall be the date of the accident.
3.2. Service of the Insurance Company
(1) If the documents submitted to the Insurance Company verify that the permanent injury to health is considered
final, the Insurance Company shall pay the insurance benefit within 15 days upon receipt of all medical documents
required for the assessment of the insurance claim. If the extent of the injury to health is continuously changing, the
Insurance Company shall determine the amount of the claims payment not later than after 2 years following the date
of the accident. The service of the Insurance Company shall be due if the injury to health is permanent or if 2 years
have passed after the date of the accident.
(2) The claims payment of the Insurance Company shall be established not later than after 2 years following the date
of the accident. In straightforward cases where the extent of the permanent injury to health can be established prior
to that, the amount of the claims payment may be calculated earlier.
(3) If an insured event occurs, the Insurance Company shall pay the part of the insurance sum specified in the
Schedule of Covers under Section 4 of the general terms and conditions in proportion to the % extent of the
permanent injury to health.
(4) The amount of the payment (the extent of the injury to health) shall be established by the medical expert of the
Insurance Company in compliance with the guidelines and directives of the medical expert of MABISZ and with
respect to all circumstances of the case.
(5) If the medical expert of the Insurance Company deems it to be necessary for the establishment of the extent of
the permanent injury to health, he/she may perform personal medical examination or may prescribe other necessary
examinations (e.g.: X-ray or ultrasound) for the Insured. All costs incurred from the personal examination performed
by the medical expert of the Insurance Company, or prescribed for the Insured (including travel costs, examination
charges etc.) shall be borne by the Insurance Company. The extent of the permanent injury to health determined by
the Insurance Company shall be independent on the resolutions of other medical panels (e.g.: OOSZI = National
Institute of Medical Experts, or other Insurers). Thus, in particular the resolutions of social security bodies
establishing reduced capacity for work shall not be ground for the determination of the insurance benefit amount, as
for the purposes of these special conditions, reduced capacity for work, or termination of a sports activity, any
aesthetic or social aspect in itself shall not be considered as a valid ground for claiming an accident-related
insurance service.
(6) Organs or body parts injured permanently before the date of the accident shall be excluded from the insurance
cover up to the extent of the former injury.
(7) If the Insured does not accept the first decision of the Insurance Company's medical expert on the extent of the
permanent injury to health, a medical panel with three members shall be called to carry out a new medical
examination. One member of the medical panel shall be delegated by the Insured, another member shall be delegated
by the Insurance Company, and the chairman, a physician licensed as a medical expert in emergency medicine, shall
be selected by common consent of the parties. All costs related to the work of the medical panel shall be borne by
the party who is adjudicated in the decision.
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(8) If any pre-existing conditions or diseases or handicaps contributed to the extent of the permanent injury to
health, the Insurance Company shall reduce claims payment by the extent of such contribution.
(9) If the Insured dies before his/her permanent injury to health is established, the Insurance Company shall not pay
the insurance benefit of the accident-related injury to health.
(10) No insurance claims for permanent injury to health can be filed in the Insured dies within 15 days after the
accident.
(11) The Insurance Company shall reserve the right to check the health condition of the Insured by physicians
designated by the Insurance Company.
3.3. Conditions for Payment of Insurance Services
(1) The insurance claim shall be filed to the Insurance Company in writing within 15 days after the injury to health
is deemed permanent, or within 15 days after 2 years following the accident have passed.
At the time of filing an insurance claim, the following documents shall also be submitted:
(a) the insurance contract
(b) a duly completed insurance service claim form provided by the Insurance Company
(c) a copy of all medical documents created in connection with the insured event from its occurrence until the
announcement of the insurance claim,
(d) documents required for clarification of the circumstances of the accident,
(e) the accident report, if one was made,
(g) if an official investigation was initiated in connection with the insured event, the resolution closing such
investigation (in particular the resolution refusing or terminating the proceedings, or a binding court decision)
shall be submitted to the Insurance Company,
(3) For the assessment of the insurance claim, the Insurance Company may request or obtain further certificates or
statements.
3.4. Exclusions (Disability insurance for accident-related permanent injury to health)
The insurance cover shall not apply to:
(a) disc herniation, and other diseases with herniation,
(b) injuries diagnosed as sprains or strains,
(c) conditions following an arthroscopic surgery healed without complications,
(i) accidents where on the basis of the available medical documentation no anatomic abnormalities can be
detected in direct causality with the current accident.
E) Luggage Insurance, Replacement of Travel Documents
1. Insured event, the Service of the Insurance Company
1.1 Insured Event
(1) The insurance cover shall apply to the following events:
(a) an accident in a foreign country (as defined in 11.2.1 of the general terms and conditions) as a result of which
the Insured suffered physical injuries and received emergency medical treatment by a foreign physician in a
foreign country (to the extent it is medically necessary documented) and as a result of which the Insured's
luggage or travel documents are damaged or destroyed, and it can be attested,
(b) a traffic accident documented in a police report, as a result of which the Insured's luggage or travel documents
are damaged or destroyed (even if there were no personal injuries in the accident),
(c) if the Insured's luggage or travel documents are damaged or destroyed damage due to natural forces which can
be certified by professional authorities,
(d) theft of the Insured's luggage or travel documents from a locked room of a residential building, or theft of the
Insured's luggage from a vehicle's cargo space locked and locked out of sight, or from the locked box of the roof
holder,
(e) unlawful embezzlement or robbery of the Insured's travel documents or luggage. (For the purposes of these
conditions, robbery shall mean the unlawful embezzlement of the travel documents or property of the Insured,
where force or threat to life or safety is used.),
(f) if the Insured is traveling on a scheduled aircraft, road or railway vehicle or sea vessel operated by a
passenger transport company properly licensed by the competent authorities, and the passenger transport
company does not return the luggage checked-in by the Insured in compliance with regulations and registered
under the Insured's name by the transport company, or some of the luggage is missing, and the passenger
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transport company assumes liability for the event in writing, and pays the damages stipulated by operative
legislation.
(2) For the purposes of these conditions the term luggage shall include valuables in the possession of the Insured.
(3) For the purposes of these conditions the term luggage shall not include (and the insurance cover shall not apply
to):
(a) jewellery, precious metal, precious stones, semi-precious stones, as well as property items containing them or
made of them,
(b) cash or payment instruments substituting cash (bank cards, credit cards, etc.),
(c) vouchers or cards for the use of services (e.g. ski pass, mobile telephone top-up cards),
(d) savings books, securities,
(e) travel tickets, documents (except travel documents specified in section E).1.1.(4) ),
(f) precious fur, artifacts, collections,
(g) bicycles, or any vehicle or means of transport and their spare parts, accessories or equipment (e.g.: roof rack
of car, roof holder, powered luggage holder box, trailer, car radio, cassette player, CD player),
(h) sports equipment
(i) weapons and ammunition, musical instruments,
(j) partial dentures, complete dentures, orthodontic retainers
(k) sunglasses and any non-corrective eye-glasses, contact lenses,
(l) any travel document, watch or electronic appliance, mobile phone or their accessories that the Insured does
not put in the carry-on luggage and does not take on board of the airplane, or when traveling in a motor vehicle
leaves it in the roof box, or glove compartment of the car or storage box of the motorbike,
(m) computers, laptops, notebooks, palmtops and their accessories,
(n) keys and electronic remote controls,
(o) food stuff and tobacco products,
(p) equipment and devices for work purposes.
(4) For the purposes of these conditions travel document shall mean the Insured's passport or personal ID card
(together with the address card), the Insured's driving license, and the registration certificate of the car whose owner
or operator is the Insured or a family member living in the same household with him/her. With respect to any one
insured event, only the passport or the ID card (with the address card) can be considered as travel documents, and
the insurance cover shall apply to only one of these. For the purposes of these conditions, the visa in the travel
document shall not be a part of such travel document.
(5) For the purposes of these conditions, data media or carriers shall be accessories of the related electronic
appliance. If the insurance claim does not apply to the appliance, data carriers with the same function - irrespective
of the number of such carriers - shall be considered as one object.
(6) For the purposes of these conditions, the roof box of a car shall be regarded as the cargo space of the car.
1.2 Service of the Insurance Company
(1) The Insurance shall cover the depreciated (real) value of any luggage damaged, destroyed or stolen as a result of
or during the insured events defined in section E)1.1. as of the date of the insured event up to the limit specified per
object in the Schedule of Covers under Section 4 of the general terms and conditions, save for the case when the
damaged property can be repaired (pursuant to section 1.2.(2), or when corrective eyeglasses are damaged,
destroyed or stolen (pursuant to section 1.2.(9)). With respect to any one insured event, the aggregate amount of the
Insurance Company's claims payment shall not exceed the limit specified in the 'Theft of luggage or travel
documents, or their damage arising from an accident' section of the Schedule of Covers under Section 4 of the
general terms and conditions.
(2) If the damaged property can be repaired, the Insurance Company shall cover the repair costs with respect to any
one object up to the limit specified in the Schedule of Covers under Section 4 of the general terms and conditions,
not to exceed the depreciated value of the object as of the date of the insured event.
(3) If the purchase price of the luggage and date of purchase cannot be verified by an original invoice issued to the
name of the Insured at the time of the first purchase, the Insurance Company shall reserve the right to calculated
with a value determined at its own discretion based on the average Hungarian depreciated price of an object with
the same functions and of average quality after use of one year. The depreciated (real) value of the insured objects
shall be determined by the Insurance Company.
(4) The object and its accessories, or objects in sets or pairs shall be regarded as one. The insurance cover shall only
apply to them up to the limit per object specified in the Schedule of Covers under Section 4 of the general terms and
conditions with respect to such pairs or sets or objects with accessories altogether.
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(5) If luggage is lost by a passenger transport company (e.g.: airline, coach company) (see in section 1.1.(1)(f)), the
Insurance Company shall pay the insurance benefit no earlier than after the passenger transport company carrying
or transporting the luggage (e.g.: airline, coach company) has assumed liability for the insured event in writing, and
is proved to have paid damages for the Insured as stipulated by operative legislation and in accordance with the
travel contract/conditions. In that case the Insurance Company shall pay the insurance service only to the extent that
the luggage loss or damage has not been indemnified by the transport company. The insurance cover shall not apply
to luggage damaged during the operations of a passenger transport company.
(6) Caravans and camper vans shall be regarded as motor vehicles except when used for accommodation purposes
at officially authorized camp-sites.
(7) The Insurance Company shall pay the officially determined costs of the replacement of travel documents
destroyed or unusable as a result of any insured event defined in sections E)1.1.(1) (a)-(e), within maximum 30 days
after the date of the insured event, with respect to any one insured event within the limit of luggage insurance up
to the limit specified in Section E) 'Reimbursement of costs incurred in the replacement of travel documents' of the
Schedule of Covers under Section 4 of the general terms and conditions.
(8) The payment of the Insurance Company with respect to services set forth in Sections E)1.2.(1)-(7) in
connection with any one insured event, shall not exceed the amount specified in Section E) "Theft of luggage, or
its damage arising from an accident' of the Schedule of Covers under Section 4 of the general terms and conditions,
except for theft of luggage from the cargo space or from the roof box of the car, where the payment of the Insurance
Company shall not exceed 50% of the limit specified in the Schedule of Covers under Section 4 of the general
terms and conditions.
(9) If corrective eyeglasses are damaged, destroyed or stolen, the Insurance Company shall cover the repair or
replacement cost of the glasses - against a medical prescription and an invoice - up to 50% of the limit per object
specified in the Schedule of Covers under Section 4 of the general terms and conditions. The Insurance Company
shall only cover the above costs if the glasses are repaired or replaced within 30 days after the occurrence of the
insured event.
(10) If the luggage is lost during the operation of an airline and the Insurance Company has made claims payment
for a delay of such luggage with respect to the same flight in compliance with chapter E) of the special conditions,
then the cover applicable to E) Luggage Insurance, Replacement of Travel Documents shall be reduced by the
amount paid for F) Luggage delay.
(11) In the event of damage to, loss or theft of a photo camera, video or digital camera, mobile telephone, GPS, CD-,
DVD- or MP3 player and their accessories, the Insurance Company shall only the insurance service is the original
invoice certifying the first purchase of the item has been supplied. In the absence of an invoice, the insurance cover
shall be maximum 50% of the limit per item (in aggregate for the appliance and its accessories).
1.3. Obligations of the Insured to Prevent Loss or Damage
(1) During a foreign trip, the Insured shall comply with the following obligations to prevent loss or damage:
(a) if luggage is stored in the vehicle, it shall be parked in a guarded parking space, or the luggage must be
taken out of it and be placed in a guarded space,
(b) luggage must be left in the vehicle only if inevitable and for a short time (in a space locked and locked
from sight, in particular in cars where the cargo space is not separated from the passenger area),
(c) documents and electronic appliances, watches must not be left in the car,
(d) if the vehicle is equipped with an alarm, such alarm must be turned on,
(e) when arriving at the accommodation, the luggage shall be put in the room, or cloakroom or locker as soon
as practicable.
1.4. Obligations of the Insured to Mitigate Loss
(1) As soon as the Insured noticed damage to or loss of his/her luggage, the Insured shall:
(a) report the fact and circumstances of the offense or the occurrence of the accident to the foreign police
department or authorities with competence over the place where the insured event occurred, or if the event took
place on a scheduled means of transport to the transport company, or if it happened in or under the authority of a
hotel, to the hotel management and make report the offence to the police, request an on-site investigation and written
documentation made out for the name of the Insured as soon as practicable.
(b) record all material conditions in the police report, in particular the detailed description of the event (place, date,
other material conditions), itemized list of the damage or loss incurred (itemized list of property together with their
value), any physical damage incurred during the theft, robbery, accident or natural disaster (e.g.: windows, doors
broken, forced open, other damage).
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1.5. Conditions for Payment of Insurance Services
(1) The insurance claim shall be filed in writing to the Insurance Company within 15 days upon the occurrence of
the insured event.
(2) Failure to comply with the above deadline may entail the consequences set forth in section 6.1.(2) of the general
terms and conditions.
(3) At the time of filing an insurance claim, the following documents shall also be submitted:
(a) the insurance contract
(b) a duly completed insurance service claim form provided by the Insurance Company,
(c) in the case of theft or robbery, the place, date and description of the event, the name of the injured parties, and
their personal particulars, a detailed list of the property stolen or robbed and the police report containing the
value of such property,
(d) in the case of theft or robbery in the territory of a hotel or camp-site, the official report of the hotel or camp-
site management in addition to the police report,
(e) in the case of an accident with personal injury, the complete medical documentation and if any of the
authorities have issued an official report, then that official report,
(f) in the case of a traffic accident, a detailed police report with respect to the traffic accident,
(g) when luggage is not delivered by a passenger transport company: the luggage receipt issued by the passenger
transport company to the name of the Insured when checking-in the luggage, and the statement testifying that the
passenger transport company accepts liability for the lost luggage which is indicated on the luggage receipt
supplied. The statement of acceptance of liability shall contain the name and personal particulars of the person
incurring the damage, a detailed list of the lost property items together with their value, and the amount of
damages paid by the passenger transport company.
(h) the original receipt, issued to the name of the Insured, certifying the purchase date and purchase value of the
property, if available,
(i) the original receipt, issued to the name of the Insured, certifying the repair costs of any damaged luggage or
the replacement costs of travel documents,
(j) the original travel tickets and invoices for traveling costs related to the replacement of travel documents,
(k) with respect to natural disasters, a certificate from the authorities (depending on the competence area:
meteorological institute, police or fire department) attesting the occurrence of the natural disaster, and if the
damage was incurred in the territory of a camp-site, the official report drawn up by the manager of the facility
indicating the date, extent and nature of the loss or damage, the list of damaged property, and the names of
persons incurring damage.
(4) For the assessment of the insurance claim, the Insurance Company may request or obtain further documents or
statements.
1.6. Exclusions applicable for 'Luggage Insurance, Replacement of Travel Documents'
The Insurance Company will not cover:
(a) damage caused by the loss or drop of luggage or travel documents, or because they were left unattended,
(b) the replacement cost of the luggage or travel document left in area of the motor vehicle which was unlocked,
or did not have a firm cover or was not locked for sight, or if the forceful breaking of the car was not clearly
documented,
(c) loss of or damage to the luggage if it was caused between local 20pm and 8am by the theft of the property left
unattended in a motor vehicle,
(d) damage incurred from theft or robbery during camping, if the tent was not erected on officially authorized
facilities,
(e) the value of data loss when data media or carriers are damaged,
(f) damage incurred as a result of drop or fall of luggage or travel documents into water, or their wetting
(irrespective of the circumstances),
(g) damage caused by seizure and confiscation by authorities, or the destruction of property,
(h) consequential damage and indirect loss incurred in relation to the transport of or harm to the property items,
(i) damage caused by the special nature of property,
(j) damage which may have resulted from the faulty constructions, manufacture, or material of property, or from
similar hidden errors,
(k) costs of replacing a visa
(l) damage caused by the breakdown of a vehicle or the fault of their accessories.
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1.7. Exemptions (Luggage Insurance, Replacement of Travel Documents)
The Insurance Company shall be exempt from payment of the insurance service if:
(a) the insured event was caused by an unlawful, or willful behavior of the policyholder, the Insured or a family
member living in the same household with them, or in gross negligence by them,
(3) the policyholder or the Insured failed to comply with their obligations to prevent and mitigate loss (see E)1.3
and E)1.4.),
(c) the content of the official report on the insured event, or of the police report made by the Insured to the
authorities and the content of the claim filed to the Insurance Company do not coincide and thus material
conditions cannot be clarified,
(d) the policyholder/Insured did not supply the Insurance Company with the documents necessary for the
assessment of the claim,
(e) the damage incurred from breakage was caused by the absence or deficiency of wrapping or packaging, or is
a result of inappropriate loading or placement, and it was done by the policyholder/Insured or himself or by a
relative of theirs.
F) Luggage Delay (abroad)
1. Insured Event
(1) The insurance cover shall apply to events where the Insured receives his/her luggage which was checked-in
under the name of the Insured in compliance with regulations by an airline on an outward journey with delay
after the arrival of the flight (subject to the provisions in paragraph (2) and (3)), and such luggage delay is
reported to an airline representative in writing within 2 hours after the arrival. The insurance cover shall not
apply to the loss of luggage during the operations of an airline.
(2) The Insured receives his/her luggage with delay if, through no fault of his/her own, the luggage checked-in at
the place of departure is delivered after 24 hours in excess of the period stipulated in the travel conditions (travel
contract) after his/her arrival at the destination.
(3) The Insured receives his/her luggage with delay, if the luggage delay in excess of 24 hours is certified by the
airline in a written report, save for the case when the luggage is permanently lost and the airline issues a
certificate on the loss of such luggage.
2. Service of the Insurance Company
(1) If an insured event occurs the Insurance Company shall pay the insurance service subject to the limits
specified in the Schedule of Covers under Section 4 of the general terms and conditions, with respect to any one
occasion of air travel in a single amount without multiplication, irrespective of the number of delayed luggage
items.
(2) The Insurance Company shall settle the claims payment in Hungary after the return of the Insured home, and
shall not undertake to effect payments abroad.
3. Conditions for Payment of Insurance Services
The insurance service may only be paid on condition that the following documents are submitted to the Insurance
Company:
(a) the insurance contract,
(b) airplane ticket,
(c) the written report issued by the transporting airline to the name of the Insured with respect to the luggage
checked-in under the name of the Insured on the luggage delay, indicating the date and period of the delay,
(d) an insurance service claim form provided by the Insurance Company and duly completed by the Insured.
4. Exemptions
The Insurance Company shall be exempt from payment of the insurance service:
(a) if the ground for claims payment cannot be clearly determined on the basis of the documents submitted,
(b) if the luggage delay was caused by the fault of the Insured or a relative of him.
Európai Utazási Biztosító Zrt.