GENERAL CONDITIONS – STANDARD OUTBOUND

PRELIMINARY
This contract governs the general and the particular conditions of “Standard Outbound
Product” issued by National General Insurance Company (PJSC)

TERMS & CONDITIONS

PLAN SPECIFICATIONS
Period of Coverage: Up to 92 consecutive days per trip from the Country of Permanent Residence and
back to it.
Scope of Coverage: As issued on the attached certificate of coverage (excluding the Country of
Permanent Residence e.g.: carte de séjour, green card, etc…).
Conditions: As herein defined
Age Limit: From 3 months to 80 years.

The travel assistance plan covers and assists travellers anywhere in the event of a sudden illness or
accident during journeys outside their country of permanent residence.

A. DEFINITIONS
The words and phrases defined below shall have the following meanings wherever they appear in this
document:

Abroad: Outside the geographical boarders of the country of permanent residence.

Benefit/Service/Cover: The Benefits/Services/Covers the Beneficiary or Covered person is entitled to
receive as described in the General conditions, and usually summarized in the schedule of
Benefits/Services/Covers.
General & Specific Policy Conditions: The terms and provisions of all aspects of the policy which state
the rights and duties of the Beneficiary or Insurance Company. The policy conditions will usually be
located in the policy schedule.
Beneficiary: means any of the covered persons whose name is stated on the certificate of coverage and
having the right to receive the corresponding Benefits/Services/Covers or amount of compensation as
outlined in the policy. In case of Accidental death, Beneficiary will be legal heirs of the Insured person.
Country of Permanent Residence: means the country in which the Beneficiary normally resides, whether
or not he/she holds its citizenship.
Covered Trip: An intended and planned trip undertaken by the Beneficiary outside his country of
permanent Residence. The maximum duration of any one Covered Trip is 92 consecutive days (as issued
on his certificate of coverage).
Deductible or Excess: means the first amount of the claim which is payable by the Beneficiary, where
applicable.
Doctor or Physician: An officially registered medical practitioner according to the law of the place where
the Claim happens.
Insurance Company: The insurer registered and authorized in the country in which this insurance policy
is issued and subscribed.
The Assistance Company: International Assistance Network (IAN or any of its subsidiaries).
Fraudulent Claims: When the Beneficiary or someone acting on his behalf, uses any fraudulent means or
devices in order to obtain any of the Benefits of this policy, consequently, any payment of any amount in
respect of such Claim shall be cancelled.
Medical Supervision: The supervision, care, or management of a patient to combat, ameliorate, or
prevent a disease, disorder, or injury wherein constant or regular observation is required.
Treatment: The action or manner of treating a patient medically or surgically particularly adapted to the
special disease being treated by a professional that may deem the Beneficiary to be Not Fit for Travel.

Not Fit for Travel:

Beneficiaries who have conditions which may have serious consequences or require medical supervision
prior to the trip such as the following cases:
• Infants less than 48 hours old (longer after premature births)
• Women after the 36th week of pregnancy (32nd week of multiple pregnancy)
• Those suffering from:

o An unstable medical condition.

o Angina or chest pain at rest.
o Any active infectious diseases.
o Increased intracranial pressure.
o Recent heart attack (past 1-8 weeks).
o Recent stroke (past 1-8 weeks).
o Recent surgery or injury where trapped air or gas may be present (e.g. abdominal
trauma, gastrointestinal surgery, craniofacial and ocular injuries, brain surgery or eye
operations).
o Severe chronic respiratory diseases.
o Breathlessness at rest.
o Unresolved pneumothorax.
o Sickle cell anaemia.
o Psychotic illness, except where fully controlled.

The Beneficiary may be considered fit for travel even if he/she suffers from any of the following medical
conditions/illnesses provided his/her condition or injury is stable and he/she generally feel well:

• Paralysis.
• Motor neurone disease.
• Multiple Sclerosis.
• Parkinson.
• Allergies to certain food.
• High blood pressure or high cholesterol.
• Diabetes.
• Blood disorder such as anaemia (Provide no oxygen is requires).
• Epilepsy (only if the Beneficiary has not had a seizure within 24 hours prior to the flight
departure time).
• Arthritis.
• Insect bites.
• Minor injuries such as toe and finger injuries, twisted ankles, pulled muscles or small cuts.
• Sunburn.
• Hepatitis B or C.
• Dengue fever.
 • Viral meningitis.
• Malaria.
• Cholera (as long as the symptoms have settled, the Beneficiary is well enough to travel and the
public health authority in the destination country allows travel).
• Hepatitis A (as long as the Beneficiary feels well enough to travel).
• Shingles (as long as the rash is not weeping or is covered).
• Yellow fever (as long as the Beneficiary feels well enough to travel and the public authority in
the destination country allows travel).
• Flu (as long as the symptoms have settled).
• A heart attack or angioplasty.
• Deep vein thrombosis (DVT) or pulmonary Embolism (PE).
• Stroke (CVA) or head injury.
• Surgery on the heart, chest or abdomen.
• Joint replacement or amputation.
• The Beneficiary does not require oxygen during the trip due to an existing condition.

Orthopaedic material or orthosis: Anatomical parts or items of any kind used to prevent or correct
temporary or permanent deformations of the body (walking sticks, cervical collar, wheelchair, etc.).
Prosthesis: These are deemed to be any item of any kind that temporary or permanently replace the
lack of an organ, tissue, organic fluid, member or part of any of them. By way of an example, mechanical
or biological items such as cardiac valve parts, joint replacements, synthetic skin, intraocular lenses,
biological materials (cornea), fluids, gels and synthetic or semi synthetic liquids that replace organic
humors or liquids, medicine reservoirs, mobile oxygen therapy systems, etc.
Risk: Probability or threat of a damage, Injury, liability, loss, or other negative occurrence, caused by
external or internal vulnerabilities, and which may be neutralized through pre-mediated action.
Injury: A medical problem caused by a sudden and severe external cause or reason beyond the control
of the Beneficiary, within the validity period of this Policy.
Serious Illness: Any Illness that requires admission to hospital and which, in the opinion of The
Assistance Company's medical team, prevents the Beneficiary from continuing travel on the date
planned, or which involves the Risk of death.
Accident: The bodily Injury suffered during the validity of the policy, which derives from a violent,
sudden, external cause and one that is not intended by the Beneficiary.
The following shall also be construed to be Accidents:
a) Asphyxia or Injuries as a consequence of gases or vapors, immersion or submersion, or from the
consumption of liquid or solid matter other than foodstuffs.
b) Infections resulting from an Accident covered by the policy.
c) Injuries that are a consequence of surgical operations or medical treatments resulting from an
Accident Covered by the policy.
Sudden Illness or Injury means a sudden, unexpected, unusual, specific, unforeseen, external event
which occurs at a single identifiable time and place and independently of all other causes, resulting
directly, immediately and solely in physical bodily injury or trauma and requiring immediate medical
intervention treatment. An event which directly or indirectly exacerbates a previously existing pathology
and/or a physical bodily injury shall not be considered an Accident.
Any sudden change in health diagnosed and confirmed by a legally recognized Doctor during the life of
the policy and which is not comprised or derived from either of the following two groups:
- Congenital disease that exists at the moment of birth as a consequence of hereditary factors or
complaints acquired during pregnancy.
- Pre-existing medical conditions that the Beneficiary suffered prior to the date of taking out this
Policy, even if it wasn’t diagnosed.

In the cases where a sudden illness is described as a Serious Sudden Illness it refers to any Illness that
requires admission to hospital and which, in the opinion of the Assistance Company's medical team,
prevents the Beneficiary from continuing travel on the date planned, or which involves the risk of death;
or where treatment is medically necessary in order to maintain life and/or relieve immediate sudden
pain or distress.
Pre-existing Medical Condition means a pre-existing physical defect, infirmity, injury, sickness,
pathology, disease, affliction, anomaly that could be congenital or acquired, major risk factor, or any
other medical condition, whether known or unknown to the Beneficiary, which he/she was suffering
from prior to his/her date of travel from his/her country of permanent residence.
Medical Emergency means an unforeseen and non-recurrent sudden pathology which requires an
emergency treatment to prevent or alleviate existing danger to life or health. An emergency no longer
exists when medical evidence indicates that the Beneficiary is able to return to his/her Country of
Permanent Residence to seek and/or continue treatment. A pathology related to a pre-existing medical
condition does not fall under the definition of a sudden pathology. Each time the patient is able to visit
the doctor’s office in person; such case shall not be considered an emergency.
Terrorism: An act, including but not limited to the use of force or violence and/or the threat thereof, of
any person or group(s) of persons, whether acting alone or on behalf of or in connection with any
organization(s) or government(s), committed for political, religious, ideological or similar purposes
including the intention to influence ay government and/or to put the public, or any section of the public,
in fear.
Personal Accident: Physical Injury or mental anguish caused, by actions or negligence of another Party.
Unattended: When the Beneficiary is not in full view of and not in position to prevent unauthorized
interference at the time of the damage, loss, or theft of their property or vehicle, or left in place where it
can be taken without the Beneficiary's knowledge (including on the beach or beside the pool while the
Beneficiary swims), or where the Beneficiary is unable to prevent it from being unlawfully taken.
Business Companion mentioned under the trip cancellation section refers to a fellow member of the
same firm or business activity with whom the Beneficiary has planned to travel on the same flight and
whose presence is mandatory in order for the trip to take place.
Immediate Family Member: Spouse (Person officially registered as wife or husband of the Beneficiary),
children, parents, grandparents, grandchildren, siblings, mother and father-in-law and brothers and
sisters in law.
Permanent total disability means a disability in which a Beneficiary is forever prevented from working
because of Injury.
Common carrier means any air, land, or water motorized conveyance operated in accordance with all
locally applicable laws and regulations and under a valid license for the transportation of passengers for
hire for which a ticket has been issued and in which the Beneficiary is travelling only as a fare-paying
passenger, including taxis and hired motor vehicles but excluding minibuses, non-standard motor
vehicles and non-pressurized single engine piston aircraft. Common Carrier will not mean cruise ships at
sea or any conveyance that is hired or used for a sport, gamesmanship, contest and/or recreational
activity, regardless it such conveyance us licensed, such as, but not limited to, race cars, bob sleds,
hunting vehicles, sightseeing helicopters, fishing boats, parasailing/paragliding and boat cruises.

B. BENEFITS
MEDICAL BENEFITS
Medical Expenses incurred during hospitalization including Covid-19
The Insurance Company shall cover only reasonable medical emergency expenses for accidents and
medical emergency as defined above under definitions section, as well as hospitalization costs resulting
from it, up to a limit specified in the certificate of coverage according to the minimal and standard costs
of hospitalization in the country where the Beneficiary is being treated.
This coverage is complementary and only takes place if no other medical or insurance coverage is
available. Nevertheless, the Insurance Company upholds her right to recovery at any time it appears that
the Beneficiary’s holds a valid medical insurance that covers medical expenses outside his/her country of
permanent residence.
Therefore, the Beneficiary authorizes the Insurance Company to claim back any paid medical costs from
his/her primary medical insurance that provides travel coverage abroad, and undertake to hand over all
requested documents for such recovery.
In case of hospitalization for sudden illness, the Insurance Company shall take in charge hospital stay in a
classic, standard, semi-private room type or equivalent. The Insurance Company shall not bear any
additional costs for unjustified upgrading. Patient amenities costs such as Rental of TV/DV, Wi-Fi,
alcoholic beverages, food deliveries, phone calls as well as companion stay expenses are not covered
under this travel plan.

The cover of medical and hospitalization expenses is subject to the following deductibles per person per
claim at claim’s incident date:

Europe, MENA & Worldwide Exc Countries Worldwide

Up to 12 years old NA Up to 12 years old USD 300
From 13 to 60 years old NA From 13 to 60 years old USD 300
From 61 to 70 years old USD 300 From 61 to 70 years old USD 450
From 71 to 80 years old USD 3,000 From 71 to 80 years old USD 4,000

The coverage is only valid for sudden illness or injury, meaning that this sudden illness or injury
has no relation with any pre-existing medical condition or existing major risk factor, whether
known or unknown, prior to the departure date of the current travel.

Emergency Medical Evacuation &/or Repatriation

If the Assistance Company’s physicians decide that medical transportation of the Beneficiary is
necessary, the Company shall arrange and cover the expenses of the medical evacuation of the
Beneficiary. The evacuation could be done by helicopter, road or air ambulance, scheduled
airline flight, or other means of transport to a hospital where he/she can receive adequate
treatment.
As soon as the Beneficiary`s condition permits him to travel, the Company may arrange, if
necessary, the repatriation back to his/her Country of Permanent Residence (home or hospital)
on a regularly scheduled airline flight. A direct medical repatriation may likewise be considered,
depending on the medical case and the distance to be covered. Expenses incurred during the
Beneficiary’s medical evacuation and repatriation shall be covered by the Company up to an
amount specified in the certificate of coverage.

Repatriation of Mortal Remains

In the event of the death of the Beneficiary as a result of a sudden pathology, the Company
shall assist with the necessary procedures and shall cover only the expenses of transportation
for repatriation of the mortal remains to such a location as may be selected by the legal
representative of the deceased, up to a limit specified in the certificate of coverage. The
administration and funeral expenses (including the purchase of the coffin) are not covered.

Compassionate Visit
In the event that the Beneficiary, provided that he/she is traveling alone, is admitted to the
hospital for more than 7 consecutive days outside his/her Country of Permanent Residence, the
Company shall provide the person appointed by the Beneficiary and having the same country of
residence as the latter with an economy class round-trip air transport ticket or a regular class
train ticket to allow him/her to join the Beneficiary subject to the company prior approval and
only when judged necessary. The appointed person shall also receive an allowance per day to
cover for his/her basic stay expenses for a maximum period of 10 days.

Return of Dependent Children

In the case that dependent children (aged 15 years old or less) are left unattended following an
accident or a sudden illness of which the Beneficiary is victim, the Company shall arrange for
and cover the expenses of one-way economy transportation for those dependent children to
their place of permanent residence. A qualified attendant shall also be appointed at no charge,
whenever needed.

Convalescence Expenses
The Company shall arrange for additional hotel accommodation for the Beneficiary related to
an incident requiring emergency medical evacuation, emergency medical repatriation or
hospitalization, subject to the Company prior approval up to a sub-limit of US$250 per day for a
maximum 4 days.

Emergency Dental Care

The Company shall cover the dental expenses incurred by the Beneficiary in emergency cases,
arising as a result of a bodily injury or of an acute and sudden illness, with the exclusion of any
kind of prosthesis and /or definitive filing. The Company shall pay for the emergency relief of
pain including dental injuries that require immediate attention. The coverage is restricted to the
treatment of pain, infection and removal of tooth affected.
Exclusions applicable to this benefit:
• Dental treatment which can wait until the Beneficiary returns to his/her place of
permanent residence.
• Damage to braces and dentures, dental prostheses, crowns, or bridges, false teeth
replacement.
• Teeth previously restored with a crown, inlay, or porcelain restoration or treated by
endodontic, except amalgam or composite resin fillings.
• Any treatment which is related to or caused by a preexisting medical condition.
• Any dental expenses incurred after the Beneficiary returns to his/her country of
permanent residence.
Emergency Medical expenses due to COVID-19:
a- It is hereby agreed and understood that contrary to any other stipulation, condition or
exclusion contained in its general or particular conditions, the Company shall cover reasonable,
usual and customary (UCR) medical costs and expenses (up to a limit specified in the certificate
of coverage) which may be incurred consequent to the Beneficiary’s becoming infected with an
agent of an epidemic/pandemic disease, while this policy is in force in respect of In-hospital
treatment provided that:

1. For the purpose of this clause, Epidemic/Pandemic disease shall be defined as a general
and widespread sudden outbreak of an acute and severe infectious disease caused by a
defined infectious disease pathogen (including all types of viruses, bacteria, parasites
etc.), that affects simultaneously numerous individuals worldwide and that is officially
declared as a new, sudden and acute epidemic/pandemic disease exclusively by the
World Health Organization.
2. Usual, reasonable and customary (UCR) is defined as treatment consistent with
generally accepted standards of medical practice set by World Health Organization in
respect of the agent of the epidemic/pandemic disease at the time of the current
incident.

The 48-hour exclusion applies to this benefit.

Furthermore, the Company shall take in charge hospital stay in a classic, standard, semi-private
room type or equivalent. The company shall not bear any additional costs for unjustified
upgrading. Patient amenities costs such as Rental of TV/DV, Wi-Fi, alcoholic beverages, food
deliveries, phone calls as well as companion stay expenses are not covered under this travel
plan.

The cover of medical and hospitalization expenses is subject to the following deductibles per
person per claim at claim’s incident date:

Europe, MENA & Worldwide Exc Countries Worldwide

Up to 12 years old NA Up to 12 years old USD 300
From 13 to 60 years old NA From 13 to 60 years old USD 300
From 61 to 70 years old USD 300 From 61 to 70 years old USD 450
From 71 to 80 years old USD 3,000 From 71 to 80 years old USD 4,000

b- Special Limitations/Exclusions applicable to this cover:

This cover will be only granted if the Beneficiary’s PCR test result upon arrival to destination
airport is negative. The Company does not cover the following conditions, the complications
and the consequences arising therefrom:

- Out of hospital medical expenses including ambulatory services, screening tests,

medication, vaccination and doctors’ consultations
 - Outpatient quarantine period and systematic isolation expenses upon arrival to country.
- Homecare and any expenses linked to paramedical expenses and medical equipment at
home
- Any expenses incurred in the country of permanent residence
- Childbirth and pregnancy treatment as any of their complications
- Treatment of pre-existing medical conditions and their complication arising from or
during the period of any Epidemic/Pandemic hospital treatment shall be subject to the
same limit as stated in the above scope of coverage.
- All chronic or slow spreading infectious diseases other than COVID-19 such as but not
limited to HIV, hepatitis, tuberculosis, HPV infections… etc.
- Epidemic/Pandemic events caused by biological weapons/terrorism.
- Expenses that cannot be proven to be caused by the epidemic/pandemic disease.

Sea & Mountain Rescue

The Assistance Company will arrange for transporting the Beneficiary when in a serious medical
condition to the nearest hospital where appropriate medical care is available. The Company
shall pay for the medically necessary expenses of such transportation and communications and
all usual and customary additional charges incurred in such services arranged by The Assistance
Company.

ASSISTANCE BENEFITS
1. Travel Information Service
The Beneficiary may, prior to his/her departure, call the appropriate Assistance Alarm Center on
the assistance number mentioned on his card, in order to obtain important administrative or
medical advice regarding passport and visa processes, vaccination requirements, taxes, customs
duties, currencies, and other various requirements.
2. Delivery of Urgent Messages
In the event of an emergency calling for assistance, the Company shall transmit any urgent
messages of the Beneficiary to his/her family or employer and keep them informed of any
arrangements made to provide the required assistance.
3. Dispatch of a Specialist Physician
In such cases where medical repatriation proves to be impossible due to the patient’s condition,
the Company may, at its discretion, pay for the dispatch of a specialist physician to make on-site
evaluation with the attending physician and arrange for the eventual medical repatriation of the
Beneficiary.
4. Long Distance Medical Advice
Should the Beneficiary, during his/her journey abroad, need medical advice which is not
available at their location, he/she may call the appropriate Alarm Center and get medical advice
from a qualified physician. A telephone conversation does not permit the establishment of a
diagnosis and must therefore be considered as mere advice. The Company and the physician
shall not hold any malpractice liability to his/her medical opinion.
5. Referral to Medical Correspondents Abroad
While abroad, the Beneficiary may call the Alarm Center of the Company in order to obtain
referral to the nearest qualified medical correspondents (One or more options upon
availability). The company shall not be held liable for any medical malpractice or inadequate or
deficient treatment that might incur following that referral.

TRAVEL ASSISTANCE BENEFITS

1.Loss of Passport
The Company will cover up to a limit specified on his certificate of coverage for the costs of
obtaining whilst overseas replacement passport, which have been lost or stolen to replace such
lost travel document.
The Beneficiary must report any lost or theft to the local Police within 24 hours of discovery and
obtain a written report of the loss or theft of the passport. If passport is lost or stolen while in
the care of a carrier, Transport Company, authority or hotel, the Beneficiary must report to
them in writing, details of the loss or theft and obtain written confirmation.

If passport is lost or stolen whilst on the case of an airline company, the Beneficiary must:
a. Obtain a property irregularity report from the airline company.
b. Give formal written notice of the claim to the airline company within the time limit
contained in their conditions of carriage.

Exclusions applicable to this benefit:

− Loss or theft of the Beneficiary passport left unattended at any time (including in a
vehicle or in the custody of carriers) unless deposited in a hotel safe, safely deposit box
or left in his locked accommodation.
− Loss due to delay, confiscation or detention by customs or other authority.
2.Compensation for Delay of luggage
If the Beneficiary’s checked-in luggage is temporarily delayed during his journey outside his/her
country of permanent residence and has not returned to him/her within eight (8) hours of the
Beneficiary arrival at the scheduled destination but not to his home country, the Company will
indemnify the Beneficiary for charges incurred at the scheduled destination in respect of the
emergency purchase of essential clothing and toiletries up to a limit specified on his/her
certificate of coverage prior to the return of the luggage up to forty eight (48) hours.
A written declaration and/or certificate from airline carrier (or their handling agents) confirming
in writing of the number of hours of delay and the reason for delay as well as the original
invoices shall be requested by the Company from the Beneficiary before any compensation.
3.Total Loss or disappearance of Luggage
The Company will supplement the compensation for which the carrier is liable, the collection of
luggage and possessions checked in by each Beneficiary, in the event of total loss during the
carriage by air performed by the carrier company, as well as the settlement of the
compensation payment by the carrier. Compensation payment for total loss will be calculated
according to the procedures recommended by international carriage by air organization.
The minimum period of time that must elapse for the luggage to be considered been lost once
and for all will be that stipulated by the carrier company, with a minimum of 21 days.
In all cases, the original certificate of the carrier or complaint, reporting the occurrence of the
loss/accident must be furnished. Money, jewelry, debit and credit cards, any type of document
is excluded from this guarantee.

4.Compensation for Flight Cancellation (4-hour delay)

In the event that a flight is delayed for more than 4 hours AND THEN cancelled by the airline
company outside the country of permanent residence, an indemnity shall be paid to the
Beneficiary up to a limit mentioned on his/her certificate, provided that proof of such delay and
cancellation is submitted to the Company. In the case of connection flights for example, the
case of a delay in the first flight leading to missing the second flight will not be covered by this
benefit.
This benefit aims to compensate only for basic expenses incurred by the beneficiary during the
delay period. The 48-hour exclusion does not apply to this benefit.
5.Change in Ticket/postponed flight
This coverage provides reimbursement for flight change/ postponing fees in the event of the
Beneficiary being quarantined or confined in a hospital as a result of Covid-19 infection.
6.Trip Cancellation (Applicable only for Beneficiary up to70 years old)
The Company shall indemnify the Beneficiary in respect of all irrecoverable deposit, advance
payment and other charges or due to be paid for travel and/or accommodation. The policy
indemnifies against cancellation of a trip, i.e. the Beneficiary being prevented from setting off
on a trip necessary because of:

1. The death of the Beneficiary or any immediate family member or business companion with
whom the Beneficiary had arranged to travel (See definition section)
2.The accidental bodily injury or acute unforeseen non pre-existing illness (estimated severe
and unfit for fly by the Company physician) or significantly incapacitating the intended
course of travel of the Beneficiary or any immediate family member or business companion
with whom the Beneficiary had arranged to travel, excluding the grandparents,
brother-in-law or sister-in-law, daughter-in-law or son-in-law, stepmother or stepfather
mentioned in the Immediate family member definition.
3.The Beneficiary or any immediate family member414 or business companion with whom
the Beneficiary had arranged to travel being:
a. Quarantined or called for witness or jury service.
b. Had a significant, unexpected financial loss concerning his property in his Country of
Permanent Residence.
c. Required to be present at his home or place of business in the usual Country of
Permanent Residence following burglary or major damage.
4.Major damage rendering uninhabitable the accommodation in which Beneficiary had
previously booked to reside during a covered trip.
5.Theft of the travel documents or identity documents of the Beneficiary within 24 hours prior
to the start of the trip as stated in the police report.

In the event of a trip cancellation, the policy covers costs up a maximum limit specified in the
certificate of coverage, or at maximum the price of the original trip, for which the Beneficiary is
liable under the transport company’s travel conditions. The policy covers also unused services,
excursions and travel at the destination for which the Beneficiary has paid in advance. The
Beneficiary must present the original non-refundable documents or penalty and cancellation
fees if applicable.
The maximum limit specified in the certificate of coverage delivered is the maximum amount
that can be covered per family per incident, for example, as in the case of death of a family
member.
Any remuneration or compensation that the Beneficiary is or would be entitled to from the
transport company when the reason for the cancellation transpires is deducted from the
indemnification. Travel arrangements shall be cancelled immediately to the transport company
after it has become known that the trip cannot be undertaken. The 48-hours exclusion does not
apply to this benefit.

Exclusions applicable only to this section, the general exclusions of the policy being equally
applicable:
The Company shall not be liable for claims resulting from:

➢ Any condition or set of circumstances known to a Beneficiary at the time the trip was
booked, where such condition or set of circumstances could reasonably have been
expected to give rise to the cancellation of the Beneficiary’s covered trip.
➢ Lack of reasonable care taken over means of travel route or departure time.
➢ The coverage is only valid for sudden illness or injury, meaning that this sudden illness or
injury has no relation with any pre-existing medical condition or existing major risk
factor, whether known or unknown, at the time of signature of this contract.
➢ Charter trips and charter excursions are not covered by the Trip Cancellation benefit.
➢ Boat cruises of more than 12 hours are also excluded from this benefit.
➢ Limit in the aggregate, in case the incident affects more than one Beneficiary from the
same family (immediate family member) or business relationship (business companion),
will be fixed at a maximum limit specified in the certificate of coverage as total
aggregate per case.
➢ The Beneficiary or the severely ill immediate family member or the business companion
or their legal representatives shall liberate his/her treating doctor from medical secrecy
for the Company to gather all related medical information to this claim.
7. Trip Curtailment
The Company shall indemnify the Beneficiary, in the event, the Beneficiary has to necessarily
and unavoidably cut his/her trip short as a result of any of the following:

- Death, sudden admission to the hospital of the Beneficiary, or his close family members
(Parents, Spouse, Children and siblings) due to a non-preexisting medical condition which
necessitates hospital stay for at least 2 nights.
- Witness summons, jury service or compulsory quarantine of the Beneficiary.
- Accidental and serious damage of the Beneficiary’s place of residence or business in the
country of permanent residence arising from fire, flood or burglary within seventy-two (72)
hours after the departure date of his/her planned trip which requires the Beneficiary’s presence
in the country of permanent residence after the departure date of the covered trip for the
purpose of police investigation.

C. Obligations of the Beneficiary

In the event of a medical emergency or a sudden illness, the Beneficiary releases from
professional secrecy all doctors and paramedical staff who might examine him/her both before
and after the incident. The Beneficiary is required to communicate confidentially to the
attention of the Assistance medical advisor, all facts and circumstances required under the
guarantees of assistance abroad.
Any reluctance or omission in the communication of this data entitles the Assistance Company
to suspend the assistance guarantees as soon as it becomes aware of the said facts or
circumstances.
The Assistance platform cannot in any way replace the local emergency relief organizations. The
Assistance platform is not responsible for the consequences of medical malpractice or
inadequate treatment. In the case where any of the Beneficiaries has subscribed to another
policy for the same risk (Insurance and / or Assistance), he is obliged to declare it to the
Assistance Company.

Claims Conditions
IAN (International Assistance Network) part of the Eurocross Network, is the assigned
assistance platform for this plan. It operates on a 24/7 basis, in agreement with the Beneficiary
in order to respond to his/her needs. Any request for assistance must be made to the
Assistance Company within 48 hours and prior to any expenditure commitment.
The Assistance Company shall not be involved in the expenses that the Beneficiary would have
incurred on his/her own initiative. However, in order not to penalize the Beneficiary who have
shown reasonable initiative, the Assistance Company could consider coverage upon
presentation of supporting documents.
In order to receive the benefits under this travel plan, the Beneficiary must contact the
appropriate Alarm Center within 48 hours of the occurrence of the event by phone or email:

Tel: . (00420-234-622-716 or 00961-4-548-616). Email: ngic@mideast-assistance.com

If the Beneficiary is not in a position to contact the appropriate Alarm Center, notification given
by a close person, the police, the hospital, the fire brigade, or any person having intervened
upon the occurrence of the damage will be considered of the same worth as a call from the
Beneficiary him/herself.

The Insurance Company reserves the right to verify the truthfulness of the damage declared.
Failure to submit such required documents within a period of two months from the occurrence
of the accident/sudden illness gives the Insurance Company the right to deny any benefits
and/or reimbursement in relation with the incurred costs. Furthermore, the Beneficiary must
provide the requested original documents within twelve months:
 1. The damage:
-Official statement of accident issued by the police authorities.
-Copy of passport and visa (where applicable).
-Complete medical file established by the doctor or the hospital visited at the place of the
accident.
-Medical prescriptions.
-Medical and hospital bills.
2. The loss or delay of luggage:
-Copy of check reimbursed from the Airlines.
-Letter from the Airlines.
3. Flight cancellation:
- Proof of the delay or cancellation (boarding passes, letter from the Airlines, flight history).
4. Loss of Passport
A written confirmation from the Consulate where the loss happened detailing the date of loss,
notification of loss and replacement together with a written report from the police.

D. RESTRICTIVE CONDITIONS OF BENEFITS COVERAGE

LIABILITY
The Assistance Company can only intervene within the limit of the approvals given by the local
authorities, medical and/or administrative, and can under no circumstances replace local
emergency organizations nor bear the incurred expenses if they pertain to the public authority.

EXCEPTIONAL CIRCUMSTANCES
The Assistance Company shall not be held liable in case of non-compliance with the obligations
outlined herein, if such non-compliance leads to:
- A case of force majeure making it impossible to carry out the coverage.
- Events such as civil or foreign war.
- Revolution, civil commotion, riot, strike, sequestration or constraint by the public
authorities, official prohibition issued by the authorities, piracy, detonation of explosives,
nuclear or radioactive effects, climatic obstructions.

LIMITATION OF COVERAGE
Coverage shall cease automatically upon the expiration date of this contract.
Coverage under this plan is secondary, which means that the Insurance Company will not pay
any cost which is recoverable from any other insurance, fund or institution, except eligible
amounts that exceed the limits covered by that other insurance, fund or institution, subject to
the General Conditions of this contract, and up to the limits herein set.
The Insurance Company shall not be held liable for the consequences of medical malpractice or
inadequate or deficient treatment.
The Insurance Company shall not be held liable for any medical post-treatment or follow-up
incurred by the generating events.
Additional Benefits (When the appropriate premium has been paid by the Beneficiary) :

Cover of outdoor winter activities (on snow and ice)

In the event of an accident while the Beneficiary is skiing on regular ski slopes or on ice (outdoor
activities only), The Company shall cover assistance and medical expenses up to a maximum of USD
10,000, subject to a deductible of USD 250 per person per claim. The Company reserves the right to
recover any claim declared by the Beneficiary, should any effective policy covering the same risk prove
to exist. Any accident that occurs outside the ski slopes is not covered under this policy.

Cover of outdoor summer activities

In the event of an accident while the Beneficiary is sailing, swimming hiking or cycling, the Company shall
cover assistance and medical expenses up to a maximum of USD 5,000, subject to a deductible of USD
250 per person per claim. The Company reserves the right to recover any claim declared by the
Beneficiary, should any effective policy covering the same risk prove to exist.

EXEMPTION FROM PROVIDING BENEFITS

The Insurance Company is released from any obligation to provide benefits in the following
cases:

a. Failure by the Beneficiary to notify the Company within 48 hours of the event
b. Failure by the Beneficiary to submit to the Company all documents required for setting the
case of the accident.
c. All files or bills treated outside a guarantee of payment or a previously written authorization
from The Company, if accepted, are subject to reimbursement according to the Company’s
standard prices in the incident country.
d. Committing by the Beneficiary of a crime or an offense, which was the cause of the accident.
e. Denial of the compulsory prior approval by the Company for the organization and financing of
the assistance. Any decisions to undergo treatment, transfer to a different medical facility, or
perform a necessary procedure, such as a surgery, or additional investigation, such as MRI or
scanner, during an approved hospitalization must be subject to the Company’s prior approval.
Failure to notify the Company of such decision will result in the denial of coverage.
f. Failure by the Beneficiary to notify the Company of the existence of another insurance
covering the same risks.
g. Failure by the Beneficiary to take measures which reasonably ought to have been taken to
avoid the accident.
h. Failure by the Beneficiary to provide the Company with the information it needs, and to give
it honest and complete answers.
i. Refusal by the Beneficiary or the person who decides for him/her to receive those benefits
provided by the Company and mutually agreed upon by the Company doctors and those
present at the place of the damage. Such refusal will result in the cancellation of the contract,
unless the Beneficiary changes his/her mind before the expiration of the contract.
j. Any workmen’s compensation or any claim related to work or labor accidents, consequence
of a risk inherent to the work or under the scope of employment performed by the Beneficiary.
E- Exclusions:
Expenses and damages resulting from the following events are not covered:

➢ The practice of reckless undertakings or needless risk by the Beneficiary or not taking
reasonable care, except in an attempt to save human life.
➢ Brawl (punches during a violent dispute).
➢ The practice of high-risk sports such as, but not limited to: parachuting, acrobatics,
spelunking, races using mechanical appliances, high wire, ski jumping, sky flying &
surfing, bungee jumping, Base jumping, hang gliding, open water swimming, scuba
diving, jet skiing, kite & windsurfing, water surfing, wakeboarding, rafting & kayaking,
shooting, indoor & outdoor climbing, alpinism, mountain biking, free falling, boxing,
motor racing, rugby, aviation, ATV riding, mountain sickness related claims ,as well as all
professional competition sports.
➢ The Assistance Company shall study on case-by-case basis the circumstances related to
the practiced sport.
➢ War, declared or otherwise, revolution, sabotage actions, terrorism or vandalism strikes,
street barricades erected at the time of public demonstrations, and generally troubles of
all kinds and measures taken for restoring order.
➢ Telluric movements, floods, volcanic eruptions, or other kinds of natural phenomenon
considered as natural calamity.
➢ Any expenses related to abuse of consumption of alcohol, narcotics, and/or other
hallucinogenic substances.
➢ All damage to health brought about by ionizing rays (nuclear radiation).
➢ Any loss arising from biological and/or chemical material(s), substance(s), compound(s)
or the like used directly or indirectly for the purpose to harm.
➢ Expenses related to mental health disorders and any Psychiatric disorder or any of its
manifestations or complications.
➢ Suicide or attempted suicide.
➢ Ablation and transplantation of organs, tissues, or cells.
➢ All events and accidents associated with or resulting from pregnancy and/or breast
feeding, including diagnosis, follow-up treatments, abortion, or delivery.
➢ All Healthcare Services & Treatments for In-Vitro Fertilization (IVF), embryo transport,
ovum and male sperms transport.
o Any internal or external device/ material used on temporary or permanent basis
such as but not limited to orthopaedic, cardiac, vascular, urological, digestive
devices/materials, etc., as well as anatomical prosthesis, any walking aids and
splints.
o All operations related to previous prosthesis or device as described in 13 -a)
➢ Physiotherapy including all forms of physical re-education.
➢ Elective stay at a convalescent home or a revalidation center.
➢ All treatments related to congenital or acquired malformations.
➢ Endemic, epidemic and pandemic diseases.
➢ Venereal and Sexually Transmitted Infections.
➢ Any Health Services that are received as Out-of-Hospital Benefits as well as outpatient
 doctor visits.
➢ Spontaneous consultations of doctors and specialists, and all kinds of check-ups or
medical investigations.
➢ Treatment, hospitalization or any medical costs related to a pre-existing medical
condition as describes under Definitions section. This exclusion extends to any medical
situation whether known or unknown, diagnosed or not, treated or not before the
Beneficiary current travel dates and possible complications thereto. Pre-existing medical
conditions, and any related treatment to it; repatriation, evacuation or Emergency Room
expenses, are not covered under this plan.
➢ Any subsequent admission to the hospital, related to the first one, unless considered as
an emergency treatment by the Assistance Company physicians.
➢ Gallstones and Cholelithiasis and any complication resulting from that.
➢ Nephrolithiasis as well as ureterolithiasis and their complications.
➢ Any vascular, cardiovascular, cerebrovascular illness and their related complications are
excluded from the coverage of this policy
➢ Any medical condition for which the Beneficiary didn’t take the recommended
treatment or prescribed medications as directed by his medical practitioner in his
Country of Permanent Residence.
➢ Medicines purchased outside hospitals or Emergency room.
➢ Unconventional trips.
➢ In case of approval of a non-urgent hospital admission: prior any admission,
authorization by the Assistance Company doctors concerning the choice of the hospital
is mandatory; otherwise, the hospitalization fees are not covered by this certificate of
coverage.
➢ Allergic and auto-immune disorder and their complications.
➢ In case of a non-typical or uncommon pathological disorder, failure to present to the
Assistance Company doctors a clear and definite medical and etiological diagnosis within
3 (three) days of the hospital admission.
➢ Every hospitalization undertaken initially in a diagnostic search purpose.
➢ Investigations, treatment, or surgery which in opinion of the medical practitioner in
attendance and/or the Company doctor can wait until return of the Beneficiary to
country of permanent residence
➢ Diagnostic investigations and procedures undertaken in search for pre-existing diseases
and medical conditions excluded in the scope of the present coverage as described in
Exclusion (23) and the definition section.
➢ No coverage shall be rendered in case the Beneficiary has another valid medical or
insurance coverage outside his/her Country of Permanent Residence.
➢ In addition, the Beneficiary is not covered when a trip is undertaken:
➢ Against medical advice.
➢ Following acknowledgement of a diagnosis establishing an illness in terminal phase.
➢ With the intention to receive medical treatment, medical investigation or follow-up
treatment for a pre-existing medical condition.
➢ During a period of illness, major treatment, or incapacity to work.
➢ When a doctor has ordered an operation, which has not yet been performed.
 ➢ Industries, Seepage, Contamination and any kind of pollution or environmental liability.
➢ Absolute Fungi Liability in accordance with the Absolute Fungi Liability Exclusion.
➢ Asbestos risks.
➢ Treatments and Services related to viral hepatitis and associated complications, except
for treatment and Services related to Hepatitis A.
➢ Terrorism unless an extra Premium is paid by the Beneficiary.

JURISDICTION
Any dispute resulting from the execution, or the interpretation of this agreement shall be settled by
competent tribunal of the coverage Issuer’s country.

SANCTION CLAUSE
No Insurer shall be deemed to provide any benefit and No Insurer shall be liable to pay any claim
hereunder to the extent that the provision of such benefit or payment of such claim would expose the
Insurer or any of its parent, to any sanction, prohibition or restriction implemented pursuant to
resolutions of the United Nations or the trade and economic sanctions, laws and regulations of the
European Union the United Kingdom or United States of America.

INFORMATION TECHNOLOGY AND DATA PROTECTION

The Assistance Company has IT means intended to manage more easily the assistance files. The recorded
information is reserved for the use of the concerned departments of the Assistance Company and can
only be communicated to the following recipients: personal or international level assistance providers
assigned as part of an assistance file. Every beneficiary may obtain communication and, if necessary,
correction or deletion of the information regarding him, by contacting the Assistance Company.

COMPLAINTS AND MEDIATION

In case of disapproval concerning the application of the assistance benefits, Beneficiary should contact
the Assistance Company at the head office address: 14 Spyrou Kyprianou, Office 101, 3070 Lemesos,
Limassol, Cyprus.

NUCLEAR ENERGY RISKS IN ACCORDANCE WITH THE [NUCLEAR ENERGY RISKS EXCLUSION CLAUSE
(1994) NMA 1975(A) – 10/3/94]. INCLUDING NUCLEAR FISSION, NUCLEAR FUSION OR
CONTAMINATION BY RADIOACTIVITY
This agreement shall exclude Nuclear Energy Risks whether such risks are written directly and / or by
way of reinsurance and/or via Pools and / or Associations.
For all purposes of this agreement Nuclear Energy Risks shall mean all first party and / or third-party
insurances or reinsurances (other than Workers' Compensation and Employers' Liability) in respect of:
I. All Property on the site of a nuclear power station.
Nuclear Reactors, reactor buildings and plant and equipment therein on any site other than a
nuclear power station.
II. All Property, on any site (including but not limited to the sites referred to in I) above) used or
having been used for:
a. the generation of nuclear energy or
b. the Production, Use or Storage of Nuclear Material.
III. Any other Property eligible for insurance by the relevant local Nuclear Insurance Pool and / or
Association but only to the extent of the requirements of that local Pools and / or Association.
IV. The supply of goods and services to any of the sites, described in I) to III), above unless such
 insurances or reinsurances shall exclude the perils of irradiation and contamination by Nuclear
Material. Except as undernoted, Nuclear Energy Risks shall not include:
➢ Any insurance or reinsurance in respect of the construction or erection or installation or
replacement or repair or maintenance or decommissioning of Property as described in I)
to III) above (including contractors' plant and equipment).
➢ any Machinery Breakdown or other Engineering insurance or reinsurance not coming
within the scope of I) above.
Provided always that such insurance or reinsurance shall exclude the perils of irradiation and
contamination by Nuclear Material.
However, the above exemption shall not extend to:
1) The provision of any insurance or reinsurance whatsoever in respect of:
a) Nuclear Material,
b) any Property in the High Radioactivity Zone or Area of any Nuclear Installation as from
the introduction of Nuclear
Material or - for reactor installations - as from fuel loading or first criticality where so agreed with the
relevant local Nuclear Insurance Pool and/or Association.

2) The provision of any insurance or reinsurance for the undernoted perils:

- fire, lightning, explosion,
- earthquake,
- aircraft and other aerial devices or articles dropped there from,
- irradiation and radioactive contamination,
- any other peril insured by the relevant local Nuclear Insurance Pool and / or Association,
- in respect of any other Property not specified in 1) above which directly involves the production,
use or storage of Nuclear Material as from the introduction of Nuclear Material into such
Property.

Definitions:
"Nuclear Material" means:
i) nuclear fuel, other than natural uranium and depleted uranium, capable of producing
energy by a self-sustaining chain process of nuclear fission outside a Nuclear Reactor, either
alone or in combination with some other material, and
ii) Radioactive Products or Waste.
"Radioactive Products or Waste" means any radioactive material produced in, or any material made
radioactive by exposure to the radiation incidental to the production or utilization of nuclear fuel, but
does not include radioisotopes which have reached the final stage of fabrication so as to be usable for
any scientific, medical, agricultural, commercial or industrial purpose.
"Nuclear Installation" means:
i) any Nuclear Reactor,
ii) any factory using nuclear fuel for the production of Nuclear Material, or any factory for
the processing of Nuclear Material, including any factory for the reprocessing of irradiated
nuclear fuel, and
iii) any facility where Nuclear Material is stored, other than storage incidental to the
carriage of such material.
"Nuclear Reactor" means any structure containing nuclear fuel in such an arrangement that a
self-sustaining chain process of nuclear fission can occur therein without an additional source of
neutrons.
"Production, Use or Storage of Nuclear Material" means the production, manufacture, enrichment,
conditioning, processing, reprocessing, use, storage, handling and disposal of Nuclear Material.
"Property" shall mean all land, buildings, structures, plant, equipment, vehicles, contents (including but
not limited to liquids and gases) and all materials of whatever description whether fixed or not.
"High Radioactivity Zone or Area" means:
i) for nuclear power stations and Nuclear Reactors, the vessel or structure which
immediately contains the core (including its supports and shrouding) and all the contents
thereof, the fuel elements, the control rods and the irradiated fuel store, and
ii) for non-reactor Nuclear Installations, any area where the level of radioactivity requires
the provision of a biological shield.

NUCLEAR / CHEMICAL / BIOLOGICAL TERRORISM EXCLUSION

It is agreed that, regardless of any contributory cause(s), this reinsurance does not cover any claim(s) in
any way cause or contributed to/by an act of terrorism involving the use or release or the threat thereof
of any nuclear weapon or device or chemical or biological agent.
For the purpose of this exclusion an act of terrorism means an act, including but not limited to the use of
force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone
or on behalf of or in conjunction with any organization(s) or government(s), committed for political,
religious, ideological or ethnic purposes or reasons including the intention to influence any government
and/or to put the public, or any section of the public, in fear.
If the reinsurers allege that by reason of this exclusion any claim is not covered by this reinsurance the
burden of proving the contrary shall be upon the Reinsured.

INSTITUTE RADIOACTIVE CONTAMINATION, CHEMICAL, BIOLOGICAL, BIOCHEMICAL, AND

ELECTROMAGNETIC WEAPONS EXCLUSION CLAUSE 10/11/2003 CL 370
This clause shall be paramount and shall override anything contained in this insurance inconsistent
therewith
In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or
contributed to/by or arising from;
I. ionizing radiations from or contamination by radioactivity from any nuclear fuel or from any
nuclear waste or from the combustion of nuclear fuel;
II. the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear
installation, reactor or other nuclear assembly or nuclear component thereof;
III. any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or
radioactive force or matter;
IV. the radioactive, toxic, explosive or other hazardous or contaminating properties of any
radioactive matter. The exclusion in this sub-clause does not extend to radioactive isotopes,
other than nuclear fuel, when such isotopes are being prepared, carried, stored, or used for
commercial, agricultural, medical, scientific or other similar peaceful purposes.
V. any chemical, biological, bio-chemical, or electromagnetic weapon.

INDUSTRIES, SEEPAGE, POLLUTION AND CONTAMINATION CLAUSE

This Insurance Company does not cover any liability for:
- Personal Injury or Bodily Injury or loss of, damage to, or loss of use of property directly or
indirectly caused by seepage, pollution, or contamination, provided always that this paragraph
(1) shall not apply to liability for Personal Injury or Bodily Injury or loss of or physical damage to
or destruction of tangible property, or loss of use of such property damaged or destroyed, where
such seepage, pollution or contamination is caused by a sudden, unintended and unexpected
happening during the period of this Insurance.
 - The cost of removing, nullifying or cleaning-up seeping, polluting or contaminating substances
unless the seepage, pollution or contamination is caused by a sudden, unintended and
unexpected happening during the period of this Insurance.
- Fines, penalties, punitive or exemplary damages.
- This Clause shall not extend this Agreement to cover any liability which would not have been
covered under this Insurance had this Clause not been attached.
22/1/70
N.M.A. 1685

POLITICAL RISKS EXCLUSION CLAUSE

Notwithstanding any provision to the contrary within this reinsurance or any endorsement thereto it is
agreed that this reinsurance excludes loss, damage, cost or expense of whatsoever nature directly or
indirectly caused by, resulting from or in connection with or in consequence of any of the following
regardless of any other cause or event contributing concurrently or in any other sequence to the loss:
I. war, civil war, invasion, acts of foreign enemies, hostilities or war-like operations (whether war
be declared or not); or
II. mutiny, popular rising, military rising, insurrection, rebellion, revolution, military or usurped
power, martial law or state of siege or any of the events or causes which determine the
proclamation or maintenance of martial law or state of siege; or
III. civil commotion assuming the proportion of or amounting to a popular rising; or
IV. Any act (whether on behalf of any organization, body, person or group of persons) in protest
against any State or government, authority with force, or any provincial, local or tribal authority
with force, calculated or directed to overthrow any State or government, authority with force, or
any provincial, local or tribal authority with force, by means of fear, terrorism or violence or use
of force or and/or the threat thereof; or
V. losses in any way caused or contributed to by an act of terrorism involving the use or release or
the threat of any nuclear weapon or device or chemical or biological agent; or
VI. loss, damage, cost or expense directly or indirectly arising out of biological or chemical
contamination or missiles, bombs, grenades, explosives or any ammunition; or
VII. conspiracy, confiscation, commandeering or nationalization or requisition or destruction of or
damage to property by or under the order of any de jure or de facto government or by public or
local authority; or
VIII. looting or pillage or theft or burglary in connection with any act referred to in this clause; or
IX. consequential losses or damages arising from any act referred to in this clause; or
X. the act of any lawfully established authority in controlling, preventing, suppressing or in any
other way dealing with any occurrence referred to in this clause; or
XI. malicious damage in furtherance to any act referred to in this clause; or
XII. any act of terrorism.
For the purpose of this clause an act of terrorism means an act, including but not limited to the use of
force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone
or on behalf of or in connection with any organization(s) or government(s), committed for political,
religious, ideological, or ethnic purposes or reasons including but not limited to:
• The intention to influence or affect the conduct of any government (de jure or de facto); and/or
• To put the public, or any section of the public in fear; and/or
• To commit violence or threaten violence against one or more persons (whether legal or natural);
and/or
• Damaging tangible or intangible property; and/or
• endangering life; and/or
 • Creating a risk to the health or safety of the public or a section of the public; and/or
• An act designed to interfere with or disrupt an electronic system.
For the purpose of this clause contamination means the contamination, poisoning, or prevention and/or
limitation of the use of objects due to the effects of chemical and/or biological substances.
If the Reinsurer alleges that by reason of this exclusion, any loss, damage, cost or expense is not covered
by this Contract the burden of proving the contrary shall be upon the Reinsured.
In the event any portion of this clause is found to be invalid or unenforceable, the remainder shall
remain in full force and effect. 24.11.2011

WAR AND TERRORISM EXCLUSION ENDORSEMENT

Notwithstanding any provision to the contrary within this reinsurance or any endorsement thereto it is
agreed that this reinsurance excludes loss, damage, cost or expense of whatsoever nature directly or
indirectly caused by, resulting from or in connection with any of the following regardless of any other
cause or event contributing concurrently or in any other sequence to the loss;
1. war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or
not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or
amounting to an uprising, military or usurped power;
or
2. any act of terrorism. For the purpose of this endorsement an act of terrorism means an act, including
but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of
persons, whether acting alone or on behalf of or in connection with any organization(s) or
government(s), committed for political, religious, ideological or similar purposes including the intention
to influence any government and/or to put the public, or any section of the public, in fear.
This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or
indirectly caused by, resulting from or in connection with any action taken in controlling, preventing,
suppressing or in any way relating to (1) and/or (2) above.

If the REINSURERS allege that by reason of this exclusion, any loss, damage, cost or expense is not
covered by this reinsurance the burden of proving the contrary shall be upon the REINSURED.
In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall
remain in full force and effect.
NMA2919
08/10/2001

WAR AND CIVIL WAR EXCLUSION

Notwithstanding any provision to the contrary within this Agreement or any endorsement thereto
including express or implied obligations to “follow the settlements”, “follow the fortunes” or similar, it is
agreed that this Agreement entirely excludes loss, damage, cost or expense, including expense costs, of
whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the
following regardless of any other cause or event contributing concurrently or in any other sequence to
the loss:

(1) War, civil war, war-like operations (whether war be declared or not),hostilities, invasion, acts of
a foreign enemy, mutiny, strikes, riots, civil commotion, assuming proportions of or amounting to a
popular rising, military rising, insurrection, rebellion, revolution, military or usurped power, malicious
damage, martial law.

(2) Any action taken in controlling, preventing, suppressing or in any way relating to the excluded
situations in (1) above, including, but not limited to, confiscation, nationalization, damage to or
destruction of property.

If the Reinsurer alleges that by reason of this exclusion, any loss, damage, cost or expense is not covered
by this Agreement the burden of proving the contrary shall be upon the Reinsured.
In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall
remain in full force and effect.

CYBER ABSOLUTE EXCLUSION CLAUSE IUA 09-081 17.05.2019

1. Notwithstanding any provision to the contrary within this contract, this contract excludes any
Cyber Loss.
2. Cyber Loss means any loss, damage, liability, expense, fines or penalties or any other amount
directly or indirectly caused by:
2.1. The use or operation of any Computer System or Computer Network;
2.2. The reduction in or loss of ability to use or operate any Computer System, Computer Network or
Data;
2.3. Access to, processing, transmission, storage or use of any Data;
2.4. Inability to access, process, transmit, store or use any Data;
2.5. Any threat of or any hoax relating to 2.1 to 2.4 above;
2.6. Any error or omission or accident in respect of any Computer System, Computer Network or
Data.
3. Computer System means any computer, hardware, software, application, process, code,
program, information technology, communications system or electronic device owned or
operated by the Insured or any other party. This includes any similar system and any associated
input, output or data storage device or system, networking equipment or back up facility.
4. Computer Network means a group of Computer Systems and other electronic devices or
network facilities connected via a form of communications technology, including the internet,
intranet and virtual private networks (VPN), allowing the networked computing devices to
exchange Data.
5. Data means information used, accessed, processed, transmitted or stored by a Computer
System.
6. When this clause forms part of a reinsurance contract, Insured shall be amended to read Original
Insured.

LOSS OR DAMAGE TO DATA OR CAUSED DIRECTLY OR INDIRECTLY BY DATA PROBLEMS IN

ACCORDANCE WITH THE [“DATA EXCLUSION – DIRECT DAMAGE”] [“DATA EXCLUSION – BUSINESS
INTERRUPTION”] CLAUSE
Data exclusion – direct damage
1 (i) This Agreement does not cover “data”.
(ii) This Agreement does not cover loss or damage caused directly or indirectly by “data
problem”, however, if loss or damage caused by “data problem” results in the occurrence of
further loss of or damage to property insured by the original insurance policy that is directly
caused by fire, lightning explosion, smoke, leakage from fire protective equipment, impact by
aircraft, spacecraft or land vehicle, windstorm or hail, earthquake, tsunami, flood, freeze or
weight of snow, this exclusion (ii) shall not apply to such resulting loss or damage.
2. “Data” means representations of information or concepts, in any form.
3. “Data problem” means:
(i) erasure, destruction, corruption, misappropriation, misinterpretation of “data”
 (ii) error in creating, amending, entering, deleting or using “data”; or
(iii) inability to receive, transmit or use “data”
4. Records: The liability of the Reinsurer under this Agreement for loss or damage to:
(i) books of accounts, drawings, card index systems and other records, other than as
described in (ii) below, shall not exceed the cost of blank books, blank pages or other materials,
plus the cost of labor for actually transcribing or copying said records;
(ii) media, data storage devices, and programme devices for electronic and
electromechanical data processing or for electronically controlled equipment, notwithstanding
that “data” is not covered, shall not exceed the cost of reproducing such media, data storage
devices, and programme devices from duplicates or from originals of the previous generation of
the media, but no liability is assumed hereunder for the cost of gathering or assembling
information or “data” for such reproduction.

DATA EXCLUSION – BUSINESS INTERRUPTION

1. Subject to a) and b) following, the Reinsurer shall not be liable under this Agreement for loss of
“Business Income” directly or indirectly caused by “data problem”.
a)If “data problem” results in direct physical loss of or damage to property at the premises
caused by:
fire, explosion, smoke, leakage from fire protective equipment, lightning, impact by
aircraft, spacecraft or land vehicle, windstorm or hail, earthquake, tsunami, flood, freeze
or weight of snow, this exclusion shall not apply to resulting loss of “Business Income”
suffered through such resulting loss or damage.
b)If “data problem” is the direct result of:
fire, lightning, explosion, impact by aircraft, spacecraft or land vehicle, smoke, leakage from fire
protective equipment; windstorm or hail, earthquake, tsunami, flood, freeze or weight of snow,
at the premise this exclusion shall not apply.
2. “Data” means representations of information or concepts, in any form.
3. “Data problem” means:
(i) erasure, destruction, corruption, misappropriation, misinterpretation of “data”,
(ii) error in creating, amending, entering, deleting or using “data”, or
(iii) inability to receive, transmit or use “data

INFECTIOUS / CONTAGIOUS DISEASES EXCLUSION CLAUSE (EXCEPT FOR COVID 19)

Notwithstanding any provision of this Agreement including any exclusion, extension or other provision
included herein which would otherwise override a general exclusion, all losses, damage, resultant time
element losses, and costs in connection with or arising directly or indirectly from infectious and/or
communicable disease is excluded.
Time Element Loss means business interruption, contingent business interruption or any other
consequential losses.

ABSOLUTE FUNGI LIABILITY EXCLUSION

This Agreement shall not apply to and does not cover any claim or claims in respect of loss or losses
arising, directly or indirectly, from:
1. the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence
of, presence of, spread of, reproduction, discharge or other growth of any Fungi or Spores however
caused, including any costs or expenses incurred to prevent, respond to, test for, monitor, abate,
mitigate, remove, cleanup, contain, remediate, treat, detoxify, neutralize, assess or otherwise deal with
or dispose of Fungi or Spores; or
2. any supervision, instructions, recommendations, warnings or advise given or which should have
been given in connection with 1 above; or
3. any obligation to pay damages, share damages with or repay someone else who must pay
damages, because of such loss or losses referred to in paragraph 1 or 2 above.
This exclusion applies regardless of any other contributing or aggravating cause or event that contributes
concurrently or in any sequence to such loss or losses.
The following definitions apply to this exclusion:
Fungi includes, but is not limited to, any form or type of mould, yeast, mushroom or mildew whether or
not allergenic, pathogenic or toxigenic; and any substance, vapour or gas produced by, emitted from or
arising out of any Fungi or Spores or resultant myco toxins, allergens, or pathogens.
Spores includes, but not limited to, any reproductive particle or microscopic fragments produced by,
emitted from or arising out of any Fungi.

TOXIC MOULD EXCLUSION CLAUSE

This insurance does not apply to:
Fungi or Bacteria
a) "Bodily injury" or "property damage" which would not have occurred, in whole or in part, but for
the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or
presence of, any "fungi" or bacteria on or within a building or structure, including its contents, regardless
of whether any other cause, event, material or product contributed concurrently or in any sequence to
such injury or damage.
b) Any loss, cost or expenses arising out of the abating, testing for, monitoring, cleaning up,
removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way
responding to, or assessing the effects of, "fungi" or bacteria, by any insured or by any other person or
entity.
This exclusion does not apply to any "fungi" or bacteria that are, are on, or are contained in, a good or
product intended for consumption.
The following definition is added to the Definitions Section:
"Fungi" means any type or form of fungus, including mould or mildew and any mycotoxins, spores,
scents or by-products produced or released by fungi regardless of any other cause, event, material,
product and/or building component that contributed concurrently or in any sequence to that injury or
damage.
Such loss is excluded regardless of any other cause or event contributing concurrently or in any
sequence to the loss.

INFORMATION TECHNOLOGY HAZARDS CLARIFICATION CLAUSE - NMA 2912

(i) loss of, alteration of, or damage to
or
(ii) a reduction in the functionality, availability or operation of
a computer system, hardware, programme, software, data, information repository, microchip,
integrated circuit or similar device in computer equipment or non-computer equipment, whether the
property of the policyholder of the Reinsured or not, do not in and of themselves constitute an event
unless arising out of one or more of the following perils:
fire, lightning, explosion, aircraft or vehicle impact, falling objects, windstorm, hail, tornado, cyclone,
hurricane, earthquake, volcano, tsunami, flood, freeze or weight of snow.

ASBESTOS EXCLUSION CLAUSE

In consideration of the premium charged for this Contract, it is hereby understood and agreed that this
Contract shall not apply to and does not cover any actual or alleged liability whatsoever for any claim or
claims in respect of loss or losses directly or indirectly arising out of, resulting from or in consequence of,
or in any way involving asbestos, or any materials containing asbestos in whatever form or quantity.

GRADUAL POLLUTION EXCLUSION

This Agreement excludes all losses arising from pollution or contamination except, unless otherwise
excluded, destruction of or damage to the property insured caused by:

- pollution or contamination which is caused by a sudden, unintended and unexpected happening

during the period of this Agreement and which itself results from a peril reinsured against.
- any peril reinsured against which itself results from a pollution or contamination.

This Agreement also excludes liability in respect of disposal of or dumping of any waste of materials or
substances.
This Agreement does not cover fines, penalties and punitive or exemplary damages.