Risk. Reinsurance. Human Resources.

Aon Risk Solutions

Expat Insurance PackagePersonal insurance

Aon has joined up with a global insurance company to develop a flexible, comprehensive worldwide individual insurance package for global employees. Valid worldwide with no restrictions. Whether you are an Expat, Missionary, Volunteer or International Hire, Aon’s Expat Insurance Solutions will cover you, your spouse, your children or your personal belongings from any risks you incur during your global assignment.

Our Expat Insurance Package is a comprehensive Personal insurance package providing streamlined global cover. At a competitive price, with a single point of address. The Aon Expat Insurance Package covers the following areas:

• Personal possessions insurance • Instruments and valuables insurance • Personal liability insurance• Legal assistance insurance• Accident insurance• Annual travel insurance• Extra air travel insurance

This overview provides general product information on all our insurances. You will receive a policy listing your chosen insurance cover and the applicable terms and conditions.

Personal possessions insurance This insurance covers all household contents (intended for privateuse)intheeventofdamagecausedbyfire,smokeor soot, storm, break-in and theft, various types of water damage and collisions. Additional costs for temporary accommodation, clean-up and salvage costs are also covered. Valuables, jewelry, household electronics and audiovisual equipment are insured to a maximum of EUR 2,500 per item. Premium The premium for our household contents insurance depends on the chosen amount. You may choose any amount between EUR 10,000 and EUR 200,000.

Instruments and valuables insurance This insurance covers valuable objects included on the policy sheet, such as jewelry, collections and audio, video,photo,filmandcomputerequipmentthathasbeendamaged or lost. Most causes of damage that originate externally are insured, wherever the damage occurs. Wear and tear, scratches, scrapes and dents, etc. are excluded. For new valuables, the insured amount is based on the purchase price. Older items are valued.

The valuation report then serves as the insured amount. In the case of damage, the repair costs are covered if the item can be repaired. If repair is not possible, the valuation amount, the current market value or the new value serves as the basis for payment. For used items, a depreciation percentage is deducted depending on the age of the item. Premium The premium for the valuables insurance depends on the amount insured.

Personal liability insurance This insurance covers your personal liability risk for damage to third parties in nearly any private situation. Also if the damage results from pet ownership, house guests or domesticstaff.Ifyoucauseanaccidentorotherssufferdamage as a result of your actions, you may be held liable and required to pay compensation. Our liability insurance coversthefinancialconsequences.However,itexcludesthe liability risk relating to motor vehicles or damage to borrowed or rented items. Action with intent is also excluded from coverage. You can opt for coverage for a single individual or for multiple persons (partner/family). Multiple-person coverage automatically includes children. Premium The premium for our personal liability insurance depends onthechosenpackage.Aonoffersthreedifferentinsuredamounts: EUR 1,000,000, EUR 1,500,000 and EUR 2,500,000.

Legal assistance insurance This insurance reimburses the costs of a lawyer engaged by you and the costs of witnesses to the extentthat they were admitted by a judge. We also pay the remaining procedural costs or costs which you have been ordered to pay in an irrevocable judgment. Accommodation and travel expenses incurred if you are ordered to appear in person before a foreign or Dutch judge are also reimbursed. World cover is provided for loss resulting from damage to body or property or penal cases. Disagreement on repair or tail agreements regarding a motor vehicle, disagreement on transportation agreements relating to (holiday) travel or disagreement on legal issues involving labor insurance agreements, social insurance agreements or contractual agreements are also covered.

PremiumThe premium for legal assistance insurance depends on the chosen maximum lump sum.

Accident insurance Accident insurance pays out in the event of death (A) and permanent disability (B) resulting from an accident. You choose the amount insured in each category. This involves a lump sum paid out in the case of the insured party’s death or (partial) permanent disability as the result of an accident. The payment for permanent disability is expressed as a percentage of the insured amount, depending on the degree of disability. Premium You can insure yourself, your spouse or children against Accidental death or Accidental permanent disability between EUR 5,000 and EUR 250,000. (The insured amounts for children up to the age of 18 are limited to between EUR 5,000 and EUR 150,000).

Annual travel insurance The continuous travel insurance provides continuous cover againstthefinancialconsequencesoftherisksinvolvedintravelling. This includes the costs related to assistance and damage caused by accidents, theft or damage to luggage. You are also reimbursed (part of) the travel costs if a trip or rental accommodation contract is cancelled or cut short due to unforeseen circumstances. The insurance applies to all your private travel worldwide provided that it does not exceed 90 consecutive days. Cover for winter sports and underwater sports is included as standard. Premium The premium for continuous travel insurance depends on the composition of the family.

Extra air travel insurance Thisinsurancereimbursestheflightcostsincurredwhenaninsured party is required to return to his/her home country and/or other country cited in the policy within a reasonable

time period in response to medically ascertained mortal dangerordeathoffirstorseconddegreerelationsbybloodoraffinitylivinginthatcountry,asaresultofan accident or serious illness, provided this could not reasonably have been expected when the insurance was taken out or on acceptance of an increase. Thecostsassociatedwithanadditionalflight,includingairport tax and other transport costs (e.g. taxi costs), are reimbursed, up to maximum of EUR 4,000. Premium Theextraflightinsuranceinvolvesafixedpremium.

Claims handling Claims are handled by Aon International People Mobility. However,dependingonagreementswiththeinsurance company, a claim may also be handled directly by the insurer itself. You will be duly informed in such cases.

Are you an employer with more expats? For employers with more than one expat we developed three special basic packages which match with the general duty of care towards these expats. The basic packages offereaseandsafetyforallexpats.Andeveryexpatcanopt for additional coverage and insurance on top of the basic package. These solutions also saves premium thanks to interesting discounts on the basic packages compared to the individual rates. For more information please visit www.aonexpatinsurance.com/business.

Risk. Reinsurance. Human Resources.

About Aon

Aon plc (NYSE:AON) is the leading global provider of risk management, insurance and reinsurance brokerage, and human resources solutions and outsourcing services. Through its more than 69,000 colleagues worldwide, Aon unites to empower results for clients in over 120 countries via innovative andeffectiveriskandpeoplesolutionsandthrough industry-leading global resources and technical expertise. Aon has been named repeatedly as the world’s best broker, best insurance intermediary, best reinsurance intermediary, best captives manager, and best employeebenefitsconsultingfirmbymultipleindustry sources. Visit aon.com for more information on Aon and aon.com/manchesterunited to learn about Aon’s global partnership with Manchester United.

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Contact Are you interested or would you like to receive more information please feel free to contact

International People Mobility +31 (0)10 448 8200 expats@aon.nl