GENERAL AND SPECIAL TERMS AND CONDITIONS OF SAFE & FUN HUNGARY Domestic Travel Insurance (EUB FBC)

Átírás

1 Contents Page 1 Page 18 Page 27 Page 37 Page 54 Page 63 Domestic Travel Insurance General and Special Insurance Terms and Conditions Cancellation Insurance General Insurance Terms and Conditions Customer Information Domestic Travel Insurance General and Special Insurance Terms and Conditions_HU Cancellation Insurance General Insurance Terms and Conditions_HU Customer Information_HU Present General terms and conditions and Specific terms and conditions have been prepared in both Hungarian and English language. In case of differences the Hungarian text shall be applicable. GENERAL AND SPECIAL TERMS AND CONDITIONS OF SAFE & FUN HUNGARY Domestic Travel Insurance (EUB FBC) Except when otherwise specifically agreed by parties, these general insurance terms and conditions (hereinafter: general conditions) together with the special insurance terms and conditions (hereinafter: special conditions) shall be applicable to all insurance policies (hereinafter: insurance policy) concluded with Európai Utazási Biztosító Zártkörűen Működő Részvénytársaság (a company belonging to the Generali Group, listed in the Insurance Groups Register, registered seat: H-1132 Budapest, Váci út ; hereinafter: Insurance Company) with reference to these general and special conditions. All matters not regulated by these general conditions or the special conditions, will be governed by the provisions of Act V of 2013 on the Civil Code and the provisions of other effective Hungarian legislation. The Customer Information of Európai Utazási Biztosító Zrt. will also be an integral part of the insurance policy. This insurance policy is not a consumer insurance policy. I. General Conditions 1. Definitions (1) Competing athlete: a person who is engaged in sports activities and participates in competitions (e.g.: championships, matches) irrespective of the nature of such competition in the last two years before the commencement of the insurance coverage, or if the person is a registered athlete of the respective sport. (2) Professional athlete: a competing athlete 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. (3) Amateur sportsman: a person who is engaged in sports activities as a non-professional and noncompeting sportsman, never enters competitions and is not a member of a sports association. (4) Auto-motor sports: (a) the use of motorized vehicles (e.g. motorcycle or automobile) off public roads or on racing circuits, (b) the participation in any car- or motorcycle racing, including the preparation or training for it, (c) the use of any vehicle which is not licensed for public traffic, (d) the use of motocross or trial motorcycles, (e) the participation in any form of organized adventure travel whether motorcycle touring or driving adventure tours (driving adventure tours shall include any publicly announced motorcycle or automobile tour with the objective to reach geographic destinations specified by the organizers). (5) Accident: 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 and requires acute, targeted medical procedure. 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) congelation, hypothermia, sunstroke, overstrain caused by lifting, and heat apoplexy, (f) occupational diseases (harm), EUB FBC and EUB FSE 1/72 Policy Conditions (g) sprains or strains, not resulting in any new injury as evidenced to anatomical structures and not requiring open surgery 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. (6) Insured event: shall mean events - occurring in causality with a future cause compared to the commencement of the insurance coverage and during the period of insurance - in the occurrence of which the Insurance Company shall pay the benefits specified in the relevant chapters herein, provided that no other conditions set forth in these insurance conditions which may limit the insurance cover (e.g.: cases of exclusions, exemptions) exist and that the particular event(s) occur(s) during the period of insurance and in a geographical area which the insurance contract provides cover for. (7) Conditions for the payment of the insurance benefits: when filing the insurance claim the assessment of the legal grounds for the claim shall be subject to the submission of all papers and documents and the provision of information as prescribed in these general conditions and in the special conditions; therefore the Insurance Company shall not be obliged to pay the insurance benefit(s) covered under the insurance in the absence thereof. (8) Insurance policy: the group insurance policy concluded by and between the Insurance Company and the Policyholder, with these insurance conditions and the Client Information of the Insurance Company forming an integral part thereof. (9) Sum insured: the maximum benefit that may be claimed for specific insured events as set forth in the Benefit Table and in II. Special Conditions and that the Insurance Company undertakes to pay if an insured event occurs. The Insurance Company shall provide benefits as indemnity insurance (by indemnifying the Insured in the manner and to the extent specified in the insurance policy, or by providing other benefits to the Insured), or as fixed sum policy (by payment of the amount specified in the policy). (10) Property damage: damage to or loss of a property item or if it becomes unusable. (11) EUB-Assistance: assistance service of the Insurance Company, available day and night by phone at: (12) Extreme sports: motor sports, snorkeling or scuba diving, rock climbing, mountaineering, indoor climbing, caving, whitewater rafting, snow rafting, hydro-speeding, wakeboarding, mountain-biking, down-hill biking, mountain-boarding, riding a mountain bike or trial bike, bungee jumping, using any type of parachutes or gliding parachutes, base-jumping, paragliding, combat sports, 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, horse riding and practicing any other sports activities involving considerable accident hazards. (13) Physical work: Work requiring considerable physical exertion and / or - e.g. by reason of the location or circumstances of work - involving an accident hazard substantially exceeding the risks of intellectual office work. Driving a passenger vehicle shall not be deemed as physical work. (14) Official medical documentation: a medical certification issued by a physician (or specialist if required) who is licensed to practice medicine at the place where the insured event has occurred. (15) Exclusion: The Insurance Company shall exclude certain events specified in the general and special conditions which are not considered as insured events under these contractual terms and conditions, meaning that they are not covered by this policy. (16) Hospital: Medical facilities providing in-patient care recognized and licensed by the competent authorities and professional supervision operating in the country where the medical care is 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 hydro mineral 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. (17) A person receives hospitalized in-patient care if such person spends the night as well in hospital. Hospitalized in-patient care shall commence on the first day of hospital care and shall last until the last day thereof. (18) Close relative: For the purposes of these policy conditions, close relatives include a spouse, a next-ofkin, an adopted-, step- or foster child, an adoptive-, step- or foster parent, and a sibling (brother and sister). (19) Road accident: An accident suffered by the Insured, recorded by the police department competent at the location of occurrence, as a consequence of the motion or stop of a vehicle, provided that the Insured EUB FBC and EUB FSE 2/72 Policy Conditions

2 was involved in the accident as a pedestrian, or the driver of or a passenger in a vehicle. The Insurance Company shall apply a derogatory definition in respect of D) Luggage Insurance, which shall be governed by the provisions set out in Chapter D). Road accident shall not include: (a) pedestrian accidents in which no no moving vehicles were involved, (b) vehicle passenger accidents, where the accident did not occur as a consequence of the motion or stop of the vehicle or of another vehicle. (20) Travel costs: any additional travel costs constituting extraordinary expenses for the Insured in relation to an insured event, including, in particular, if travel by a given means of public transport is only possible by payment of the fare again or by re-booking the original ticket involving additional costs, or if - in case of travelling by a passenger vehicle - a trip not planned originally or any extension of the original route results in additional costs in terms of fuel and road tolls. Benefit by the Insurance Company may apply to one of the following modes of travel: scheduled train service (2nd class) or bus ticket or tourist class air ticket, or rebooking costs thereof, or the fuel costs of a passenger vehicle (as invoiced, but 10 l/100 km as a maximum) road toll-type costs (e.g. motorway badge only for the duration of such extraordinary travel - as invoiced). (21) Domicile: The Insured s permanent or temporary domicile in the territory of Hungary or a country bordering on Hungary, or a place of residence thereof where he/she resides as evidenced outside the period of the Event. (22) Online insurance application system: an online booking system operated by the Policyholder which is suitable for joining the group insurance policy. (23) Physician: 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. For the purposes of the insurance conditions, a relative of the Insured, the Beneficiary, or the person whose health is insured with respect to the insured event, or a person living in the same household with them shall not qualify as a physician, even if he/she complies with the above requirements. (24) Medical care: Medical and health care services provided by a physician. (25) Attending physician statement (APS): written medical documentation containing the diagnosis, the date and detailed description of medical treatment, findings of the tests performed (including descriptions thereof in case of imaging tests), as well as a clear specification of healthcare provider institutions and attending physicians. (26) Multiple damage: Multiple damage shall be regarded as a single insured event. For the purposes of this policy, multiple damage shall be the term used for several liability obligations arising from the same injurious behavior or conduct of the Insured, provided that the reason (Insured s conduct) and the causes are related. (27) Emergency medical services (EMS): medical services verified in an official attending physician statement, which the person concerned receives 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 person, or may cause permanent and non-recoverable damage to the health of the person, (b) If the symptoms of the person s medical condition (loss of consciousness, hemorrhage, acute infections, high body temperature, vomiting, etc.) justify immediate medical attention, (c) If the person suffers sudden and severe damage to health during the coverage period and requires immediate medical attention, (d) if the person requires immediate medical attention after an accident. (28) Benefit table: Clause 7 (3) of I. General Conditions, which contains the maximum amount of the benefits that may be claimed under the specific insurance coverage per product. (29) Benefit type: one of the groups of services indicated by letters A), B), C), D) and E) in the Benefit Table and the Special Conditions. (30) Terrorist activities: 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. (31) Service Provider: Sziget Kulturális Menedzser Iroda Kft. (H-1033 Budapest, Hajógyári-sziget Lot No.: 23796/58., hereinafter: Sziget ). (32) Event service: Event Service shall mean the event organized and conducted by the Service Provider (hereinafter: Event or Event Services), for the period of which insurance coverage is provided and which can EUB FBC and EUB FSE 3/72 Policy Conditions be visited by a valid ticket issued by the Service Provider. The Event Service is booked by buying a ticket. For the purposes of these conditions, Event Services shall not include any service the price of which has been settled by any kind of vouchers (e.g. Erzsébet vouchers, any vouchers issued by a travel services provider), or by any benefits available in a loyalty card or customer loyalty system (e.g. by using points collected). (33) Event Service contract: in respect of the Event Service, a written document regulating the rights and obligations of Sziget and parties receiving the services, in accordance with legal regulations currently in effect, including in particular the date of the event and its main features, as well as the parties obligations in the event of contract amendment or cancellation. (34) Insurance voucher: a printable certificate made available electronically, evidencing the existence of insurance cover and including the main features of the insurance. 2. Parties to the Insurance Policy (1) Insurance Company: Európai Utazási Biztosító Zrt., being a legal entity which, in consideration of the payment of insurance premium, provides coverage for the insured risk and undertakes the obligation to deliver insurance services (pay the insurance benefits) as set forth in the Benefit Table and the special insurance conditions. (2) Policyholder: Sziget Kulturális Menedzser Iroda Kft. (H-1033 Budapest, Hajógyári-sziget Lot No..: 23796/58., hereinafter: Sziget), being the party to conclude the group insurance policy for the Insured individuals specified in Clause I.2.(3) and to pay the insurance premium. (3) Insured: a natural person entitled for a MEEX Sziget Student Discount, who is covered by this group insurance policy and whose life and health and activities during the event are covered under the insurance policy with respect to specific insured events, provided that the person concerned: (a) is domiciled in Hungary or in the territory of a country bordering with Hungary and has a valid mandatory health insurance (social security) or private health insurance extending to full medical care or is entitled to receive medical care. (4)Parties entitled to the Insurance benefit: - in case of indemnity coverage, the Insured, - in case of fixed sum coverage, the Beneficiary. Only in respect of II. C) Accident Insurance, the Insured, can designate a beneficiary in a written notice addressed and delivered to the Insurance Company. Unless another Beneficiary is designated in the insurance policy, the Beneficiary of all Accident Insurance benefits due in the life of the Insured shall be the Insured himself/herself. If the Insured dies, the Beneficiary shall be the legal heir of the Insured in respect of Accident Insurance benefits, unless a different Beneficiary is designated in the policy, or if the designation of the Beneficiary is repealed or invalid. 3. Joining the Group Insurance Policy (1) The Insured shall join the insurance policy by concluding the Event Service Contract, that is, by purchasing a MEEX Sziget Student Discount Ticket. (2) The insured may enter the insurance policy as a policyholder. 4. Insurance Coverage (1) The insurance coverage shall commence, in respect of each party insured, on the day specified as the date of commencement of the insurance coverage for travel insurance on the insurance voucher and shall be in effect until hours on the day specified as the date of expiry of coverage for travel insurance. (2) The insurance cover cannot take effect at a date later than the 365th day after joining the group insurance contract. (3) The insurance coverage shall be terminated in respect of the Insured concerned upon the Insured s death. 5. Geographical Limit of the Insurance Coverage The insurance coverage shall only be applicable in the territory of Hungary. EUB FBC and EUB FSE 4/72 Policy Conditions

3 6. Insurance Premium The insurance premium is received in consideration of the insurance coverage undertaken by the Insurance Company. The rate of the insurance premium shall be set out in the Group Insurance Policy.The Policyholder transfers the insurance premium payable in return for the coverage provided by the Insurance Company to the Insured. No premium refund is possible after joining the group insurance policy. 7. Insurance Benefit (1) Under the insurance contract, the Insurance Company shall, after an insured event has occurred and has been reported and if a valid legal ground exists, pay the benefits set forth in the special conditions, up to the limits shown in the Benefit Table and in II. Special Conditions. (2) In respect of events occurring during the period of coverage applicable to a given party Insured, the Insurance Company shall provide benefits in respect of a single party Insured for a up to a single insured event per benefit type. The maximum amount of insurance benefit may not exceed the limit amounts of benefit as specified in the Benefit Table (see Paragraph (3)) and in II. Special Conditions. (3) Benefit Table: Insurance Coverage (HUF) SAFE & FUN HUNGARY Domestic Travel Insurance A) Medical Assistance (indemnity insurance) Medical advisory services Insurance Benefit Transfer to hospital close to domicile Transport home from distant hospital to domicile Reimbursement of taxi and telephone costs Repatriation of deceased person B) Travel Assistance (indemnity insurance) Visiting a patient (travel and accommodation costs) Driver service in the event of illness or accident of the Insured, by reason of the Insured s inability to drive the motor vehicle used for travel Payment of relative s costs of accommodation during the Insured s hospitalization C) Accident Insurance (fixed sum policy) Accidental death insurance Permanent disability insurance (accidents) (100% - or the sum insured set out in the policy conditions) Hospitalization with daily allowance (accidents) Bone fracture rider D) Legal Assistance and Legal Expenses Insurance (indemnity insurance) a) payment of bail and reimbursement of costs incurred b) attorney's fees E) Liability Insurance (indemnity insurance) - - reimbursement of claims for indemnification against the insured (4) The Insurance Company shall pay insurance benefits arising from any one insured event up to an aggregate maximum limit of HUF 300 million. This limit applies irrespective of the number of policies affected by the particular event, or of the benefit limits specified for the particular Insureds or insured events under the particular policies. (5) Language of Communication The Insurance Company and EUB-Assistance undertake 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 legal statements made in Hungarian shall prevail. 8. Conditions for Payment of Insurance Benefits 8.1. Notification of an Insurance Event, Obligations to Cooperate and Provide Information (1) Occurrence of an insured event shall be reported by the Insured to EUB-Assistance as soon as possible, but no later than within 12 hours. (2) The Insurance Company shall only pay the insurance benefits if the occurrence of the insured event is reported as set out above, and the documents required for the assessment of the insurance claim are submitted to EUB-Assistance, and EUB-Assistance approves the use of services. (3) The obligation of the Insurance Company to provide benefits shall not set in if material circumstances relating to the obligation of the Insurance Company are impossible to ascertain as follows by reason of the Insured s conduct: (a) the Insured fails to report the occurrence of an insured event as above; (b) the Insured fails to provide information as required for assessing the claim for benefits and for providing the benefit; fails to cooperate in obtaining the information required; and fails to allow for checking the content of the information provided, (c) in the Insured s notification, the content of the statements made differs from that of official documents and from other information available for the Insurance Company, (d) the Insured discloses false data to the Insurance Company. (4) If any statements submitted to the Insurance Company unreasonably differ from each other or the reasonable or factual justification for such derogation is not evidenced, then the Insurance Company shall accept the earlier statement as true and correct Documents Required for the Payment of Insurance Benefits The obligation to submit documents to the Insurance Company shall lie with the Insured or the Beneficiary. When submitting an insurance claim, the documents listed below and - depending on the type of benefit - the documents specified in respect of each type of benefit in part II. Special Conditions shall be submitted: (1) the insurance voucher, and the invoice of the ticket and the insurance premium, (2) a truthfully and accurately completed insurance claim form supplied by the Insurance Company and signed by the Insured, the beneficiary or his/her representative, (3) in case of an accident, the Insurance Company may request records by the event organizer on the occurrence of the insured event and circumstances thereof, (4) in case of a claim for travel cost benefits, all the travel documents related to the trip (tickets for the entire route, refuel invoices, invoices of motorway badges and vouchers to evidence payment thereof), as well as the route description, driving license and registration certificate, (5) written confirmation of social insurance cover valid in the country of the permanent domicile, or of the entitlement to receive healthcare services, as well as appropriate authority certificates to certify personal identity and permanent domicile, (6) accident records, (7) in the case of a road accident or an event in connection therewith, a detailed on-site report issued by the competent authorities, and the resolution closing the investigation, (8) the police or medical report on the blood alcohol level, (9) if the beneficiary requests a third party to act on his/her behalf with respect to the insurance claim, the original power of attorney executed for that purpose, 8.3. Due Date of the Insurance Payout (1)The Insurance Company shall settle the filed insurance claim within fifteen (15) workdays upon receipt of all the documents necessary for the assessment of the claim, or send a written notification of refusing payment, with reasons. (2) If the documents required by the Insurance Company are not submitted or are incomplete despite the Insurance Company's reminder, the Insurance Company may refuse the claim or may assess it on the basis of the documents available. (3) The Insurance Company shall not bear liability for any loss resulting from the late payment of the insurance benefits if such delay was the result of events beyond the control of the Insurance Company or its agents (force majeure). EUB FBC and EUB FSE 5/72 Policy Conditions EUB FBC and EUB FSE 6/72 Policy Conditions

4 9. Cases when the Insurance Company is Relieved of Payment of Insurance Benefits (1) The Insurance Company shall be relieved of its obligation to provide insurance benefits if the Insurance Company proves that the insured event was caused unlawfully, by deliberate conduct or in gross negligence (a) by the Insured or a relative living in the same household with them, (b) by the Insured failing to comply with their obligation to prevent and / or mitigate loss and damage. (2) Cases of gross negligence shall include the following: (a) the insured event is caused by the Insured s addiction or any overdosage of medication, alcohol or drugs, (b) the alcohol intoxication of the Insured at the time when the insured event occurred, (c) the Insured s recreational drug use or abuse of narcotic substances or medical drugs, unless they were prescribed by a physician, and were taken in the recommended manner, (d) the Insured has committed at least two traffic offences violating the traffic regulations effective in the particular country at the time of the occurrence of a traffic accident, (e) driving a motor vehicle which did not have a valid certificate of registration, or driving a motor vehicle which the Insured did not have a valid driving license for, (f) events which have occurred 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 the specific sports activity, (g) events which have occurred in relation to the Insured's failure to comply with the rules on the activity he/she participated in, issued by the authorities with competence at the place of the activity or by the operator of the given facilities. (3) The Insurance Company undertakes to make arrangements for services only to the extent that it is allowed and possible under local conditions, and shall not assume liability for any inappropriateness arising from local conditions (e.g.: standard of services), or for delayed performance. 10. Exclusions (1) The insurance does not cover events caused in whole or in part by: (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) the Insured s suicide or attempted suicide, (f) withdrawal of medication, alcohol or drugs. (2) Furthermore, the insurance does not cover 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) sports activities pursued in any branch of sports where the Insured is qualified as a competing athlete, (b) physical work, (c) use of any weapon. (d) engagement in extreme sports, (3) The insurance does not cover: (a) consequential losses, (b) grievance fees, (c) costs incurred because of the Insured s default in the performance of his/her obligations arising from this insurance policy. (4) Furthermore, the insurance does not cover the cases specified in respect of the types of benefits described in II. Special Conditions. (5) The insurance does not cover the costs of measures to prevent loss or damage. 11. Making Complaints, Forum for Customer Complaints (1) In the event of any difference of opinions, notification thereof as well as any complaint arising in connection with the insurance policy may be communicated verbally (in person, over the phone) or in writing (in a document submitted in person or by an agent, mailed, faxed, or ed) to the Insurance Company: Address of the Customer Service: H-1132 Budapest, Váci út Telephone: (+36) , Fax: (+36) , ugyfelszolgalat@eub.hu (2) The Insurance Company shall investigate all complaints and notices, and shall send written notification to the complainant of the findings of the investigation within thirty (30) days upon receipt of the letter of complaint by the Insurance Company. (3) If the customer complaint is handled over the phone, the telephone conversation between the Insurance Company and the customer shall be recorded, and the recording shall be retained for one year. If the customer so requests within one year, he/she may listen to the recording, and may read, once again on request, the official record drawn up with respect to the recording, free of charge. (4) The Insurance Company shall promptly investigate any verbally presented complaint and shall offer appropriate remedy, if required. If the customer does not accept to the resolution of the case, the Insurance Company shall draw up an official record of the complaint and its position in the case, and shall serve a copy thereof to the customer in person if the complaint was communicated verbally, or by mail - together with the position and the reasons (response) - in accordance with point (2) if the complaint was communicated by telephone; in other cases the procedure for written complaints is followed. (5) If the complaint cannot be promptly investigated, the Insurance Company shall draw up an official record of the complaint and shall act as above. (5) The Insurance Company shall retain the complaint and its response to the complaint for three years. (6) Information on the name and contact data of the supervisory authority of the Insurance Company and options available for legal remedy in case of any complaint management failure are included in the Client Information. 12. Period of Limitation The limitation period for claims arising under this policy shall be 2 (two) years. The limitation period will commence at the following points in time: - if an insured event is not notified to the Insurance Company, then at the time when the insured event occurred, - if an insured event is notified to the Insurance Company, then on the day following the 30th day of the date when the last document was received by the Insurance Company, - if an insured event is notified to the Insurance Company and if the documents or information required by the Insurance Company are not submitted or disclosed, on the day following the deadline of the document submission or information provision set out by the Insurance Company, or in the absence of such a deadline, on the 30th day of the issue date of the written communication served for that purpose. - in other cases, at the date when the claim falls due. 13. Provisions Different from the Provisions of the Hungarian Civil Code Our Customers are particularly advised of the provisions of these general travel insurance conditions which are substantially different from the former standard policy conditions or from the provisions set out in the Civil Code, which entered into force on March 15, In order to highlight our advice, these provisions are summarized in this section. This clause does not contain the provisions of the general conditions which by way of derogation from earlier standard conditions applied by the insurance company have been modified to comply with Act V of 2013 on the Civil Code (effective from March 15, 2014). (1) No premium refund is possible after joining the group insurance policy. (2) The period of limitation is 2 (two) years. (3) In case of E) Liability Insurance benefit: - The insurance does not cover any grievance fees. - The insurance does not cover costs of proceedings (e.g. costs of legal representation, duties, expert fees, etc.) Interest amounts shall be paid by the Insurance Company within the scope of the sum insured and up to the amount thereof. II. Special Conditions A) Medical Assistance 1. Insured Event EUB FBC and EUB FSE 7/72 Policy Conditions EUB FBC and EUB FSE 8/72 Policy Conditions

5 (1) An insured event shall mean the illness or accident of the Insured during the period of insurance, as a result of which there is a medical reason for the Insured to receive emergency medical services. The Insured s death within the territory of Hungary shall also be deemed an insured event. (2) The date of an insured event is the date when an accident happens, or when the symptoms of an illness appear, or when the health impairment is detected. 2. Medical Assistance Services Within the context of Medical Assistance, the Insurance Company undertakes to provide the services specified in Clauses Medical Advisory Services The Insurance Company undertakes to inform the Insured by telephone on the following: - addresses and telephone numbers of medical duty services, - addresses and telephone numbers of pediatric duty services, - addresses and telephone numbers of dental duty services, - addresses, telephone numbers, and duty schedules of pharmacies, - addresses and telephone numbers of service providers involved in patient transport, - recommendation of hospitals (closest to place of residence) Transfer to Hospital Close to Domicile In the event that, consequent upon an insured event, the Insured is taken to a hospital at a distance of at least 50 km from his/her domicile within the coverage period, where he/she receives emergency in-patient care services and the expected duration of such emergency in-patient care is at least 2 additional days at the time of notifying the Insurance Company, then the Insurance Company undertakes to make arrangements for the Insured s transfer by ambulance as agreed with the attending physician to the hospital competent according to the Insured s domicile, and shall assume its costs up to the amount of the sum insured. A condition for benefit provision by the Insurance Company shall be a written statement by the attending physician that transfer to the hospital concerned is medically allowable and a statement by the receiving institution to admit the patient and provide further care services Transport Home from Distant Hospital to Domicile If, consequent upon an insured event, the Insured received emergency hospital care as an in-patient, then provided that return home is not feasible in the originally planned manner - the Insurance Company shall arrange for the Insured s transport or transfer home to his/her permanent domicile after his/her official discharge from the hospital and shall assume additional costs thereof. The method of transfer or transport home shall be determined by the Insurance Company in view of the Insured s medical condition and in coordination with the attending physician (e.g. public transport, passenger vehicle, ambulance) Reimbursement of Taxi and Telephone Costs Incurred Due to an Accident or Illness The Insurance Company shall cover the following costs evidenced by invoices: - 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 in connection with the insured event, as evidenced by a detailed invoice Arranging Transportation of a Deceased Person Home, Reimbursement of Costs Incurred (1) If the Insured dies, the Insurance Company shall arrange that the corpse is transported to the domicile of the deceased Insured, and shall cover its costs up to the amount of the sum insured. Costs incurred in respect of transportation of a deceased person home without the Insurance Company s consent shall not be reimbursed. 3. A) Medical Assistance - Documents to be Submitted for Benefit Payout (in Addition to the Documents Listed in Clause 8.2., I. General Conditions): (a) a copy of all medical documents produced in connection with the insured event from the time of occurrence thereof until the filing of the insurance claim, (b) data on pre-existing medical conditions of the Insured, as requested by the Insurance Company, (c) the original invoices for the costs incurred made out to the name of the Insured, EUB FBC and EUB FSE 9/72 Policy Conditions (d) in case of an accident, any documents required for the clarification of the detailed circumstances of the accident (e.g. accident report), (e) if administrative proceedings were initiated in connection with the insured event, the resolution closing the proceedings (the resolution refusing or terminating the proceedings, or a binding court decision), (f) information on the Insured s medical history if requested by the Insurance Company. (g) In case of arranging transportation of a deceased person home, the following documents are also required to be submitted: - an official or medical certificate attesting the cause of death, - the postmortem certificate specifying the cause of death, the autopsy report, and other documents required for the clarification of the circumstances of the death, - statement from the recipient cemetery, - a document attesting the death (death certificate), - birth- and marriage certificates, if required by the local authorities. 4. EXCLUSIONS in case of B) Medical Assistance as a Basic Benefit (in Addition to the Exclusions Listed in Clause 10 of I. General Conditions): (1) The insurance cover shall not apply to a disease or an accident - and death consequent thereupon - which: (a) is in part or in whole caused by any medical condition which existed prior to the commencement of the insurance coverage, or of the start of the trip from the domicile (e.g.: disease, complaint, symptom), (b) is treated by a physician within one year prior to the commencement of the insurance cover or of the trip, or such medical treatment would have been medically required. (2) Furthermore, the insurance does not cover: (a) psychiatric and psychic diseases, (b) sexually transmitted diseases, acquired immunodeficiency syndrome (e.g. AIDS), or related illnesses, (c) pregnancy and related diseases after the 24th week of pregnancy. B) Travel Assistance 1. Visiting a Patient 1.1. Insured Event An insured event shall mean an acute disease or accident of the Insured during the period of insurance, as a result of which there is a medical reason for the Insured to receive emergency medical services as an inpatient in a hospital at a distance of at least 50 km from his/her domicile, and the uninterrupted duration of such hospital care is expected to exceed 5 days or the Insured is in a critical condition Insurance Benefit The Insurance Company shall make arrangements for a person specified by the Insured a return journey from such person s place of residence within the country of the Insured s permanent domicile and the location of hospital treatment (fuel cost of passenger vehicle or 2nd class train ticket or scheduled coach ticket), and shall assume the costs of hotel accommodation, up to the amount of the sum insured in the aggregate, including hotel accommodation costs up to 15,000 HUF per night. 2. Driver Service in the Event of Illness or Accident of the Insured 2.1. Insured Event An insured event shall mean an acute disease or accident of the Insured during the period of insurance, as a result of which the Insured receives emergency medical care services at a physician s surgery or hospital at a distance of at least 50 km from his/her domicile, and based on the medical opinion of the attending physician, he/she is not allowed to drive a motor vehicle at the originally planned date of returning home, provided that the Insure received emergency medical treatment immediately after the occurrence of the event, and the passenger vehicle by which the return trip home world have been made is in good working order and that the Insured s travelling companions cannot drive the passenger vehicle home Insurance Benefit EUB FBC and EUB FSE 10/72 Policy Conditions

6 (1) The Insurance Company shall make arrangements for a person - specified by the Insured to drive the passenger vehicle - to travel from such person s place of residence in the territory of Hungary or within the country of the Insured s domicile to the location of the Insured s medical treatment and shall indemnify for additional travel costs thereof (fuel cost of passenger vehicle or 2nd class train ticket or scheduled coach ticket, at the discretion of the Insurance Company). (2) A condition for the Insurance Company s benefit shall be a notification of claim for benefits upon medical care service as soon as possible, but within 12 hours at the latest by simultaneous forwarding of the written medical opinion. 3. Payment of Relative s Costs of Accommodation During the Insured s Hospitalization 3.1. Insured Event An acute disease or accident of the Insured during the period of insurance, as a result of which there is a medical reason for the Insured to receive emergency medical services by hospitalization at a distance exceeding 50 km from his/her domicile Insurance Benefit The Insurance Company undertakes to provide hotel accommodation for a person named by the Insured and travelling together with the Insured during the period of hospitalization. The Insurance Company shall indemnify such person for additional costs incurred by reason of the insured event in respect of hotel accommodation as invoiced, up to the amount of the sum insured as a maximum and up to 15,000 HUF per night. 4. B) Travel Assistance - Documents to be Submitted for Benefit Payout (in Addition to the Documents Listed in Clause 8.2. of the I. General Conditions): (a) a copy of all medical documents produced in connection with the insured event from its occurrence until the filing of the insurance claim, (b) in respect of benefits involving refunds, the original invoices of costs incurred (e.g. hotel invoice, itemized telephone bill), made out to the name of the Insured, (c) if administrative proceedings were initiated in connection with the insured event, the resolution closing the proceedings (the resolution refusing or terminating the proceedings, or a binding court decision). (3) In case of the benefit of Driver Service in the Event of Illness or Accident of the Insured, a further condition for the Insurance Company to provide such benefit shall be the transmission by fax of a written medical opinion on the Insured s incapacity to drive, issued by the attending physician, together with the registration certificate of the motor vehicle and the Insured s driving licence. (4) Benefit payment as described in the section on Payment of Relative s Costs of Accommodation During the Insured s Hospitalization shall be subject to presentation of the invoice on the original booking of accommodation for the coverage period. 5. EXCLUSIONS in case of B) Travel Assistance as a Basic Benefit (in Addition to the Exclusions Listed in Clause 10 of the I. General Conditions): (1) The insurance does not cover events caused in whole or in part by: (a) any medical condition which existed prior to the commencement of the insurance coverage, or of the start of the trip (e.g.: disease, complaint, symptom), (b) a disease, complaint, symptom or accidental injury of the Insured, treated by a physician within one year prior to the commencement of the insurance cover, or such medical treatment would have been medically required. (2) Furthermore, the insurance does not cover the following diseases and care services and any events in causality therewith: (a) psychiatric and psychic diseases, (b) sexually transmitted diseases, acquired immunodeficiency syndrome (e.g. AIDS), or related illnesses, (c) pregnancy and related diseases after the 24th week of pregnancy, (d) costs incurred after returning home to the respective domicile. C) Accident Insurance 1. Accidental Death Insurance EUB FBC and EUB FSE 11/72 Policy Conditions 1.1. Insured Event An accident consequent upon which the Insured dies within one year after an accident, for a reason in causality with such accident, provided that the Insured received emergency medical care immediately after the occurrence of such accident Insurance Benefit (1) If an insured event occurs and is properly evidenced, the Insurance Company shall pay the sum insured specified in the Benefit Table to the Beneficiary. (2) In the event that, prior to the Insured s death, the Insurance Company provided a permanent accidental health impairment (disability) benefit consequent upon the same insured event, then the amount of the disability benefit already paid shall be deducted from the amount of the accidental death insurance benefit. 2. Accidental Permanent Disability Insurance 2.1. Insured Event (1) An accident consequent upon which the Insured suffers a permanent health impairment of at least 25% within a period of up to 2 years after the occurrence of an insured event, provided that the accident caused such an anatomical injury that there was a medical reason for emergency treatment care. (2) Physical or mental impairment means a permanent loss of a physical and/or mental function which impede normal life. The degree of permanent health impairment shall be determined by the permanent reduction of a function associated with the anatomical injury suffered in the accident. (3) Health impairment shall be permanent if the medical condition of the insured is unchanging and stable. The degree of permanent health impairment shall be determined after the final condition has developed, based on the medical documentation available and if medically justified - after a personal medical examination, by taking into consideration the governing principles set out in the guidelines of MABISZ for medical examiners in accident insurance. (4) A change in the insured's earning capacity and/or the need to terminate his/her sports activity cannot be used as a binding reference for establishing permanent health impairment. No adverse aesthetic effect or other (social, financial, etc.) detriment caused by the accident shall in itself be grounds for an insurance claim for permanent health impairment. (5) The date of the insured event is the date of the accident Insurance Benefit (1) The Insurance Company shall make benefit payment when the degree of permanent health impairment under Clause 2.1. can be considered final. If the degree of health impairment changes continuously, the Insurance Company shall determine the amount of benefit upon the expiry of 2 years after the date of the accident, in accordance with the medical condition existing on the last day of such period. (2) If an insured event occurs, the insurance benefit payable by the Insurance Company is a part of the sum insured in proportion to the extent of the permanent health impairment expressed in percentage. (3)The amount of the benefit (extent of the health impairment) shall be determined by the physician of the Insurance Company by taking into consideration the guidelines of MABISZ for medical examiners as well as all the circumstances of the case concerned. (4) If the physician of the Insurance Company deems it necessary in order to determine the degree of permanent health impairment, he/she may conduct a personal medical examination and/or prescribe other tests as required (e.g. X-ray, ultrasound) for the Insured to take. Costs of such personal examination by the physician of the Insurance Company and/or of any tests prescribed by him/her shall be covered by the Insurance Company; in addition, the Insurance Company undertakes to refund the Insured s travel costs from the Insured s domicile to the location of the examination in return for an invoice made out to the name of the the Insured. The degree of permanent health impairment to be determined by the Insurance Company shall be independent of any decisions made by other expert bodies. Any reduction in the capacity to work, termination of sports activities, and aesthetic or social considerations in themselves shall not provide legal ground for benefits payment. (5) If the Insured does not accept the decision of first instance made by the physician of the Insurance Company in respect of the degree of permanent health impairment, then a medical panel of three members is required to be set up for a repeated medical expert examination. One member of such panel is designated by the Insured, another member thereof by the Insurance Company, and the chairman a licensed medical EUB FBC and EUB FSE 12/72 Policy Conditions

7 examiner in traumatology - is designated as mutually agreed by the parties. Costs of such medical panel shall be covered by the party against whom a decision is made. (6) If any pre-existing diseases or handicaps contributed to the degree of permanent health impairment, the Insurance Company shall reduce claims payment by the extent of such contribution. (7) No accidental disability benefit shall be provided if the Insured dies within 15 days after the accident or before the health impairment becomes permanent. 3. Daily Allowance for Hospitalization Due to Accident 3.1. Insured Event (1) The insured event is an accident taking place in the territory of Hungary and evidenced by medical documentation issued by a physician competent at the location of the event, consequent upon which the Insured receives uninterrupted emergency hospital care or in-patient hospital care in the territory of Hungary starting within one week from the occurrence of such accident, provided that it is medically justified. (2) The date of the insured event is the date of the accident Insurance Benefit (1)The insurance covers the uninterrupted in-patient hospital treatment of the Insured as from the date of the accident, needed to avert the medical consequences of such accident. (2) The amount of benefit shall be calculated by multiplying the sum insured with the number of days during which the Insured received in-patient care in a hospital. (3) In relation to an insured event, the Insurance Company shall provide cover for up to 50 days of hospital care. (4) The Insurance Company shall reserve the right to have the appropriateness of the medical treatment and the health condition of the Insured checked by physicians designated by the Insurance Company. 4. Bone Fracture Rider Benefit 4.1. Insured Event (1) An accident consequent upon which the Insured receives acute medical treatment and suffers a fracture or crack of bones as evidenced by the medical documentation of acute care. For the purposes of these conditions, a fracture of the tooth does not qualify as fracture of the bone. (2) The date of the insured event is the date of the accident Insurance Benefit (1) If an insured event occurs, the Insurance Company shall pay out the respective sum insured, irrespective of the number of fractures per accident. (2) The Insurance Company shall reserve the right to check the health condition of the Insured by physicians designated by the Insurance Company. 5. C) Accident Insurance - Documents to be Submitted for Benefit Payout (in Addition to the Documents Listed in Clause 8.2. of the I. General Conditions): (1) In case of Accidental Death Insurance: a) the post mortem report, b) an attested copy of the Insured's certificate of death, (c) copies of all the medical documentation from the date of the injury to the Insured s death, and all documents required to clarify detailed circumstances of death (e.g. medical opinion by attending physician, autopsy findings, etc.), (d) the original or an attested copy of the deed to testify entitlement as Beneficiary (final grant of probate, or an abstracted copy or official copy thereof which clearly identifies the heir(s) and the notary s data, and/or the certificate of inheritance), (e) if administrative proceedings were initiated in connection with the insured event, the resolution closing the proceedings (in particular, the resolution refusing or terminating the proceedings, or a binding court decision) shall be submitted to the Insurance Company. (2) In case of Accidental Permanent Disability Insurance: EUB FBC and EUB FSE 13/72 Policy Conditions (a) a copy of all medical documents created in connection with the insured event from its occurrence until the filing of the insurance claim, including the diagnosis, a detailed description of the applied medical treatment, findings of the tests carried out, and the clearly stated names of treating institutions and physicians. (b) the accident and injury report, if one was made, (c) If administrative proceedings were initiated in connection with the insured event, the resolution closing the proceedings (in particular, the resolution refusing or terminating the proceedings, or a binding court decision) shall be submitted to the Insurance Company. (3) In case of a Bone Fracture Rider benefit: - the X-ray findings to evidence bone fracture and a copy of the complete medical documentation on the treatment of the injury. 6. EXCLUSIONS C) Accident Insurance (in Addition to the Exclusions Listed in Clause 10 of the I. General Conditions): In case of Accidental Permanent Disability Insurance, the insurance does not cover: (a) disc herniation, and other diseases with herniation, (b) injuries indicated by diagnoses of strain or sprain, (c) conditions healed without complication after tubular arthroscopy, (d) accidents where anatomic changes in direct causality with the current accident event cannot be confirmed on the basis of the medical opinion available. (e) in respect of organs or body parts injured permanently before the date of the accident, up to the extent of the former injury. D) Legal Assistance and Legal Expenses Insurance 1. Insured Event If legal proceedings are initiated against the Insured in relation to an offense or negligent crime committed by the Insured during the period of coverage applicable to the Insured, at the location of perpetration. 2. Insurance Benefit (1) The Insurance Company shall pay, in lieu of the Insured: a) the bail and related costs as per the following: - the bail or similar security deposit imposed on the Insured by competent authorities, - duties, court costs, procedural charges, - fees awarded by the court to witnesses and experts, - if the Insured needs to travel from his/her place of residence to a location specified by the court in the summons, additional traffic costs incurred by the Insured during such travel. The Insurance Company shall only pay the insurance benefit if such travel is organized or arranged for by the Insurance Company, or the Insurance Company gives prior written consent to the manner, date and costs of such travel, - reasonable translation costs of documents necessary for the conduct of the proceedings, provided that such translation is arranged for by the Insurance Company, or the Insurance Company gives prior written consent to the production and costs of such translation. b) the fee of the attorney providing legal representation for the Insured against an invoice, with respect to normal and generally accepted attorney's fees at the location of the service provision. (2) The Insurance Company shall procure that legal representation is provided. In case of a legal representative assigned without the Insurance Company s consent, the Insurance Company shall not cover the fee of legal representation. (3) If the bail paid by the Insurance Company is refunded by the competent authorities, the Insurance Company shall be entitled to receive the amount thereof. (4) If intentionality is eventually determined in proceedings initiated against the Insured for charges of negligence, the payout made by the Insurance Company shall be refunded by the Insured. 3. Criteria for Providing D) Legal Assistance and Legal Expenses Insurance Benefits (in Addition to the Documents Listed in Clause 8.2. of the I. General Conditions). (1) The Insured is required to promptly report an insurance claim for a legal expenses benefit in writing to EUB-Assistance after the occurrence of the insured event. The claim notification shall be EUB FBC and EUB FSE 14/72 Policy Conditions

8 accompanied by the whole documentation - generated until the date of notification - of the criminal or misdemeanor proceedings initiated against the Insured. (2) The benefit shall be subject to a prior consent of the Insurance Company. (3) The Insurance Company shall pay all costs incurred directly to the authorities or to the service provider concerned (against submission of an original invoice), or directly to the Insured if the invoice was settled earlier by the Insured as evidenced by the vouchers submitted. (4) A further condition for benefit payment by the Insurance Company is that in the proceedings conducted with respect to the insured event, the Insured shall cooperate with the authorities, official bodies, his/her attorney-at-law, and the Insurance Company. (5) If a civil lawsuit has been initiated in connection with the insured event, the following shall be submitted to the Insurance Company as a condition for benefit payment by the Insurance Company: the document to institute proceedings; the reference number of the action; in criminal or infraction proceedings, the resolution on the initiation of the proceedings served by the authorities or the documentary record of events drawn up by the authorities at the site of the event, as well as the name and address of the acting authority. 4. EXCLUSIONS D) Legal Assistance and Legal Expenses Insurance (in Addition to the Exclusions Listed in Clause 10 of the I. General Conditions). Insurance protection shall not extend to: (a) litigations for damages instituted by parties insured to the same insurance policy against each other, (b) legal proceedings instituted against the Insured for well-founded suspicion of an intentional infraction or crime, abandonment or failure to provide assistance by leaving the scene of an accident, (c) claims not enforceable by court and claims enforced before international or supranational courts (e.g. European Court of Human Rights). (d) pecuniary penalty or fine imposed against the Insured, or any other costs or expenses payable by the Insured, (e) damages imposed on the Insured on the basis of his/her liability obligation assumed in a contract or a unilateral statement if it is more stringent than the Insured s liability obligations set forth in legislation, or lawsuits for loss or damage caused by breach of contract, (f) legal proceedings instituted against the Insured in relation to an offense or negligent crime committed as a driver of a vehicle, and the particular vehicle had no valid third party liability insurance as of the date of the offense or crime, (g) the cover of a precedent legal expenses insurance of the Insured applies to the insured event specified in these insurance conditions. E) Liability Insurance 1. Insured Event (1) If, within the period of insurance, the Insured causes personal injury requiring emergency medical care or leading to death to a third party acting in negligence and the Insured shall be held liable as a tortfeasor for property damage caused in connection with the above and for medical costs incurred by the injured party in connection with the personal injury. 2. Insurance Benefit (1) The Insurance Company undertakes to perform the Insured s obligation of indemnification in respect of material damage in connection with the insured event, as well as the costs of medical attendance received by the injured party. (2) Upon the occurrence of an insured event, the obligation of the Insurance Company to provide benefits shall be, at a maximum, the sum insured as specified in the insurance policy. This provision shall also govern the obligations of legal representation costs and interest payment imposed on the insured causing the loss. The insurance covers procedural costs if such costs have incurred on the basis of instructions by or with the prior approval of the Insurance Company. The Insurance Company is required to make advance costs payment upon the Insured s request. No benefit provision by the insurance company shall extend to any obligation of default interest payment to the aggrieved party by reason of any delayed fulfillment of the obligation of claim notification. (3) If the Insurance Company agrees to settle a lump-sum payment, such payment shall cover both property damage and the medical costs incurred with respect to personal injury. (4) If neither administrative nor judicial proceedings are initiated with respect to the insured event, the Insurance Company shall reserve the right to cover the costs incurred only up to a limit of HUF Benefit payment shall be subject to submission of the Insured s statement in acknowledgement of responsibility to the Insurance Company. (5) An amicable settlement between the Insured and the injured party, as well as the Insured's statement acknowledging responsibility shall only be binding on the Insurance Company if it has been duly noted by the Insurance Company. The adjudication of the Insured shall only be binding on the Insurance Company, if the legal representation of the Insured was offered by the Insurance Company or the Insurance Company approved the assignment of the legal representative chosen by the Insured. (6) If the Insurance Company could settle the claim through amicable settlement with the injured party, or in any other manner, but the case cannot be closed because the Insured does not cooperate, the Insurance Company shall not bear any interest and other expenses which may arise in relation to the above. (7) If the damage or loss was caused by several persons together, and thus the Insured bears joint and several liability with others or the party injured also contributed to the occurrence of loss or damage, the Insurance Company shall respond to claims only to the extent that the damage is imputable to the Insured. If the proportions of the imputability of conduct demonstrated by the aggrieving parties cannot be established, the insurance company will provide benefits in proportion of the contributions by the Insured. If the proportions of contribution cannot be established, the insurance company will provide benefits as if loss or damage would have been caused in equal proportions by the aggrieving parties. (8) The Insurance Company's claim for refund: the Insurance Company may claim a refund of any claims payment settled under this policy from the Insured if it is proven that any of the reasons for relief hereunder exist. (9) In respect of the benefits specified in Chapter E) Liability Insurance, the Insurance Company undertakes to pay, in respect of the same insured event, a total amount of up to 5,000,000 HUF in relation to all insured aggrieving parties contracted to the Insurance Company. 3. E) Liability Insurance - Documents to be Submitted for Benefit Payout (in Addition to the Documents Listed in Clause 8.2. of the I. General Conditions): (1) the Insured s statement in acknowledgment of responsibility, or a binding court decision on the Insured's liability for damages if a civil lawsuit has been initiated in relation to the insured event, (2) a detailed medical opinion with respect to the bodily injury of the injured party, (3) a statement by the Insured assuming or refusing liability; (4) if a civil lawsuit has been initiated in connection with the insured event, the reference number of the action, the decision within (2) days of its receipt; in criminal or infraction proceedings, the resolution on the initiation of the proceedings served by the authorities or the documentary record of events drawn up by the authorities at the site of the event, as well as the name and address of the acting authority, (5) photo(s) of the obect(s) damaged and evidence as required for establishing the amount of loss (invoices on the purchase of property items damaged, invoices on repairs or replacement thereof). 3. EXCLUSIONS E) Liability Insurance (in Addition to the Exclusions Listed in Clause 10. of the I. General Conditions). The insurance does not cover: (1) damages imposed on the Insured on the basis of his/her liability obligation assumed in a contract or a unilateral statement if it is more stringent than the liability obligations set forth in legislation. (2) pecuniary penalties, fines, other penalty payments, and related representation costs incurred by the tortfeasor. (3) damage or loss if caused by a crime committed by the Insured. (4) the Insured s own loss and losses caused to the Insured s close relatives listed in Section 8:1 (2) of the Hungarian Civil Code. (5) damage or loss resulting in pollution or hazards to the environment. (6) damage or loss caused by an activity or conduct of the Insured, which otherwise requires official authorization or permit, and the Insured was engaged in such activity or conduct without such permit. EUB FBC and EUB FSE 15/72 Policy Conditions EUB FBC and EUB FSE 16/72 Policy Conditions

9 (7) damage or loss repeatedly caused by the Insured under the same tortuous circumstances, if the Insured did not eliminate tortuous circumstances despite the warning of the Insurance Company, although they could have been eliminated. (8) damage or loss if the Insured was warned by a third party of the possibility of an insured event, and the insured event then occurred in the absence of the required actions. (9) damage to or loss of any property rented, leased, lent or received in trust by the Insured. (10) damage or loss caused by gradual release of or exposure to temperature, gases, fumes, liquids, humidity or non-atmospheric precipitation, as well as nuclear events and radioactive contamination. (11) claims arising from losing property or the theft of property items. (12) predicted future loss of income and opportunity in the event of damage to property and pure economic loss; (13) claims filed on pure emotional damage, psychological, mental disorders or a detriment caused to the range of emotions, if the extent of the psychological damage does not qualify for a disability. (14) claims arising from or in relation to a breach of a contract. (15) costs of proceedings (e.g. costs of legal representation, duties, expert fees, etc.) (16) default interest payment to the aggrieved party by reason of any delayed fulfillment of the obligation of claim notification. (17) The insurance does not cover any grievance, (18) Interest amounts shall be paid by the Insurance Company within the scope of the sum insured and up to the amount thereof. Európai Utazási Biztosító Zrt. TERMS AND CONDITIONS OF SAFE & FUN HUNGARY CANCELLATION AND TRIP INTERRUPTION INSURANCE (EUB FSE) Except when otherwise specifically agreed by parties, these general insurance terms and conditions (hereinafter: general conditions) shall be applicable to all insurance policies (hereinafter: insurance policy) concluded with Európai Utazási Biztosító Zártkörűen Működő Részvénytársaság (a company belonging to the Generali Group, listed in the Insurance Groups Register, registered seat: H-1132 Budapest, Váci út ; hereinafter: Insurance Company) with reference to these general conditions. All matters not regulated by these general conditions will be governed by the provisions of Act V of 2013 on the Civil Code and the provisions of other effective Hungarian legislation. The Customer Information of Európai Utazási Biztosító Zrt. will also be an integral part of the insurance policy. This insurance policy is not a consumer insurance policy. SAFE & FUN cancellation and interruption insurance: pursuant to the insurance policy, the Insurance Company undertakes to pay, partly or entirely, the price of the Event Service if the participant is unable to take part in it for any of the external reasons set out in the insurance policy or is required to interrupt his/her participation. 1. General Provisions 1.1. Definitions (1) Service Provider: Sziget Kulturális Menedzser Iroda Kft. (H-1033 Budapest, Hajógyári-sziget Lot No..: 23796/58., hereinafter: Sziget ). (2) Event Service: Event Service shall mean the event organized and conducted by the Service Provider (hereinafter: Event Services or Event), which can be visited by a valid ticket issued by the Service Provider. The Event Service is booked by buying a ticket. For the purposes of these conditions, Event Service shall not include any service the price of which has been settled by any kind of vouchers (e.g. Erzsébet vouchers, any vouchers issued by a travel services provider), or by any benefits available in a loyalty card or customer loyalty system (e.g. by using points collected). (3) Service contract: in respect of the Event Service, a written document regulating the rights and obligations of Sziget and the party receiving the service, in accordance with legal regulations currently in effect, including in particular the date of the event and its main features, as well as the parties obligations in the event of contract amendment or cancellation. (4) Visitor: a natural person using or intending to use the service by way of a valid ticket, under the provisions set out in the service contract. (5) Party to the Event Services Contract (Buyer): the person who concludes such contract with the service provider and pays the ticket price. (6) Emergency medical services (EMS): medical care services attested by official medical documentation, which the person concerned receives for any one of the following reasons, promptly after the appearance of symptoms but within one day as a maximum: (a) if the absence of immediate medical attention is likely to endanger the life or health of the person concerned, or may cause permanent and non-recoverable damage to the health of such person, (b) if the symptoms of the person s medical condition (loss of consciousness, hemorrhage, acute infections, high body temperature, vomiting, etc.) justify immediate medical attention, (c) if the person concerned suffers sudden and severe damage to health during the period of insurance and requires immediate medical attention, (d) if the person concerned requires immediate medical attention due to an accident. (7) Definition of Accident and Road Accident (a) For the purposes of these general conditions, the term accident (accidental event) shall refer to a sudden, one-time, external physical and/or chemical impact occurring and suffered by the person concerned independently of his/her will during the insurance period, which, during the insurance period, results in anatomical injury confirmed by a specialist and requires acute, targeted medical intervention. (b) For the purposes of these conditions, accident shall not include the following: EUB FBC and EUB FSE 17/72 Policy Conditions EUB FBC and EUB FSE 18/72 Policy Conditions

10 (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) congelation, sunstroke, overstrain caused by lifting, and heat apoplexy, (f) occupational diseases (harm), (g) sprains or strains, not resulting in any new injury as evidenced to anatomical structures and not requiring open surgery 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. (c) For the purposes of these general conditions, the term road accident shall refer to an accident suffered by the person concerned and documented by a police report, provided that the person concerned was involved in the accident as a pedestrian, or the driver of or a passenger in a vehicle. (d) For the purposes of these general conditions, road accident does not include: (a) pedestrian accidents in which no no moving vehicles were involved, (b) vehicle passenger accidents, where the accident did not occur as a consequence of the motion or stop of the vehicle or of another vehicle. (8) Definition of Physician and Medical Care (a) 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. (b) Medical treatment shall mean medical and health care services provided by a physician. (9) Close Relative For the purposes of these general conditions, close relatives shall include a spouse, a life partner, a registered life partner, a next-of-kin, an adopted-, step- or foster child, an adoptive-, step- or foster parent, and a sibling (brother and sister). (10) Insurance voucher: a printable certificate made available electronically, evidencing the existence of insurance cover and including the main features of the insurance Parties to the Insurance Policy (Insurance Company, Policyholder, Insured) (1) Insurance company: Európai Utazási Biztosító Zrt., which, in consideration of the payment of insurance premium, provides coverage for the insured risk and undertakes the obligation to deliver insurance services set forth in the insurance policy if the legal ground exists. (2) Policyholder: Sziget Kulturális Menedzser Iroda Kft. (H-1033 Budapest, Hajógyári-sziget Lot No..: 23796/58., hereinafter: Sziget), being the party to conclude the group insurance policy for the Insured individuals specified in Clause I.2.(3) and to pay the insurance premium. (3) Insured: any individual interested in avoiding any financial loss arising from the fee insured for the Event Service (ticket price), meaning those who have paid the fee for the Event Service, hereinafter the Buyer Joining the Group Insurance Policy (1) The Insured shall join the insurance policy by concluding the Event Service Contract, that is, by purchasing a MEEX Sziget Student Discount Ticket. (2) No party insured may enter the insurance policy as a policyholder The Insurance Coverage (1) The insurance coverage shall commence, in respect of each party insured, on the day specified as the date of commencement of the insurance coverage for trip cancelation on the insurance voucher and shall be in effect until hours on the day specified as the date of expiry of coverage for trip cancellation. In respect of trip interruption, the insurance coverage shall be provided during the period of validity of trip interruption benefits as specified on the insurance voucher. EUB FBC and EUB FSE 19/72 Policy Conditions The insurance coverage shall be terminated in respect of the Buyer upon the Buyer s death Geographical Limit of the Insurance Coverage The insurance provides a worldwide cover which means the whole world (where an insured event may occur). 2. Rights and Obligations of the Parties to the Contract 2.1. Obligation of to Prevent and Mitigate Loss (1) In the conduct of any of its activities, the Buyer - and in the Buyer s interest, the Visitor - shall exercise all reasonable and usual care which may be expected in the particular circumstances. (2) When an accident occurs or the symptoms of a disease appear, the Insured shall seek medical help within one (1) day, and shall continue to receive medical treatment until the end of the healing procedure. In critical conditions the Insured shall use the standard local emergency telephone number to promptly call medical help from the local emergency coordination unit The Insurance Company s Right of Inspection In the event that the trip needs to be cancelled due to illness or accident, the Insurance Company shall be entitled to establish the fact that the insured is unable to travel and its exact commencement date on the basis of the expert opinion of a medical specialist hired by the Insurance Company, based on a personal examination if required. The Visitor or the person specified as the cause of the inability to travel shall be obliged to be available on the date specified by the Insurance Company in order to conduct such medical examination. The costs of a medical examination conducted at the Insurance Company s request (including only the physician s fee, tests - if any - and the travel costs of the person examined) shall be covered by the Insurance Company. 3. Insurance Premium The insurance premium is received in consideration of the insurance coverage undertaken by the Insurance Company. The rate of the insurance premium and the method of payment shall be set out in the insurance policy. No premium refund is possible after joining the group insurance policy. 4. Insured Event (1) In respect of a trip cancellation benefit, the insured event shall be the Visitor s inability to travel during the period of the insurance coverage. For the purposes of insurance coverage, the Visitor is considered incapable to travel if he/she cannot participate at the event which the insurance policy refers to for any of the following reasons: (a) the Visitor s illness / accident occurring suddenly, without any antecedents, consequent upon which the Visitor justifiably received emergency medical care before cancelling the travel service, (b) the Visitor s death, (c) illness or accident of the Visitor s close relative, life partner or spouse or the life partner s or spouse s close relative, occurring suddenly, without any antecedents, consequent upon which the person concerned justifiably received emergency medical care before cancelling the travel service, (d) death of the Visitor s close relative, life partner or spouse or the life partner s or spouse s close relative, occurring within 60 days prior to the commencement of the travel service, (e) the Visitor is definitely required to stay at home during the period of travel by reason of loss or damage to the Visitor s property caused by fire, named perils, or third-party crime; (f) the Visitor s passport and / or personal identity card, driving licence or the certificate of registration of the motor vehicle owned by the Visitor if existence thereof is a condition for using the travel service are misappropriated and cannot be replaced by the start of the trip, not even in an accelerated procedure, (g) the Visitor s employment relationship is discontinued consequent upon termination by the Employer. The Insurance Company only undertakes to provide the insurance benefit if the Visitor s employment relationship at the employer concerned had been concluded for an indeterminate period and for at lest 30 hours of work per week, and it had existed without interruption for at least one year at the time of booking the trip. The date of the insured event is the date of termination by the employer; however, the Insurance EUB FBC and EUB FSE 20/72 Policy Conditions

11 Company undertakes to provide the benefit after submission of the employer s certificate issued on the last day at work, at the earliest, (h) the Visitor s pregnancy if it is established after the date of commencement of the insurance coverage. If such pregnancy was already known at the commencement of the insurance coverage, then only those unforeseeable and unexpected pregnancy complications shall be deemed as insured events due to which the given trip is medically contraindicated as evidenced by the medical specialist s written opinion. (i) in case of spouses considered Visitors intending to participate at the event together, a matrimonial action brought by one of the spouses against the other spouse, unless - during the period of coverage - the spouse acting as plaintiff withdraws his/her action or the parties are reconciled during the proceedings and the lawsuit is discontinued by the court for the reasons above. For the purposes of this section, matrimonial action shall include matrimonial cases to annul the marriage, to establish its non-existence and divorce suits, with the exclusion of action to establish the validity and/or existence of the marriage. The date of the insured event is the date of notification of the defendant by the court on such matrimonial action. (j) if the Visitor fails at the maturity examination or at any examination to be taken at a higher education institution during the period of coverage, and the re-take examination would take place before the scheduled start of the trip or within one month afterwards, (k) if the Visitor is summoned unexpectedly in writing to be heard as a witness by any authority or court during the coverage period, on the basis of which his/her personal appearance before such court or authority of competence would be due in the course of the duration of the trip, and such authority or court does not accept the trip as a reason for non-appearance, It shall not constitute an inability to travel if the Buyer s obligation to pay a grievance fee arises from the fact that participation at the event is cancelled by the Visitor by reason of weather conditions, natural disasters, or other events representing a safety risk or the Visitor fails to participate in the event for the same reasons, without cancellation. (2) In respect of Trip interruption benefits, it shall be deemed as an insured event if the Visitor is required to interrupt his/her participation at the event for any of the reasons below at least one day earlier than the date scheduled (but before the last day of the coverage period referring to the trip interruption benefit at the latest): - accident or illness of the Visitor or a close relative in the course of the duration of the event, consequent upon which he/she receives emergency treatment as an in-patient at a hospital, or an accident of the same - taking place during the event - due to which he/she promptly receives emergency medical care and the attending physician certifies that he/she has become incapable to walk by reason of such accident, - death of the Visitor or the Visitor s close relative. 5. Insurance Benefit (1) After the insured event occurs and is reported and proper legal grounds exist, the Insurance Company shall pay, under the insurance policy for the price of the ticket cancelled and not used as evidenced, or a proportionate part thereof in case of a trip interruption. (2) In respect of one Visitor, the Insurance Company shall provide a benefit for up to one ticket. (3) Language of Communication The Insurance Company 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 legal statements made in Hungarian shall prevail. 6. Conditions for Payment of Insurance Benefits 6.1. Deadline to Report an Insured Event (1) The Insurance Company only undertakes to provide the insurance benefits if the claim for benefits is reported to the Insurance Company by to one of the following addresses: claim@eub.hu or karrendezés@eub.hu, promptly after the occurrence of the insured event as follows: features of service cancelled: name of event and the numbers and letters of the barcode on the ticket, EUB FBC and EUB FSE 21/72 Policy Conditions Buyer s name and address (telephone, , mailing address), specific reason for cancellation or interruption of the trip, if the trip cancellation or trip interruption is due to the illness or accident of a person, then the name, address and telephone number of the patient or victim of the accident - where he/she can be contacted at any time within 5 days of making the report, and the name and contact data of the healthcare service provider (e.g. physician, hospital), the insurance voucher, and the invoice of the ticket and the insurance premium, If the person making the report is not the Buyer: the name, address and telephone number of the person making the report. By sending the report above, the Policyholder agrees that the Insurance Company initiate ticket cancellation with the service provider. Following the preliminary report above, the Insured shall also be obliged to forward the documents set out in Clause 6.2. to the Insurance Company as soon as they are available. The Insurance Company only undertakes benefit payment following receipt of all the the documents required. (2) Where a claim for benefits is failed to be reported in accordance with the above by the Insured s own fault, the Insurance Company s obligation to pay an insurance benefit shall not apply Documents Required for the Payment of Insurance Benefits The following documents are required to be submitted when reporting an insured event: the insurance voucher, and the invoice of the ticket and the insurance premium, - a fully completed claim report form (to be downloaded from - the Buyer s written statement that the ticket has not been used and that the Buyer consents to the fact that the ticket is cancelled with the service provider, the service provider s written confirmation that the barcode of the ticket has been disabled and that it has not been used, a document by the service provider to confirm ticket purchase, which includes the numbers and letters of the barcode enabling use thereof, the tape and date of service and the service fee, the service provider s invoice on the price of the service, the certificate or bank account statement to evidence that the Buyer has paid the amount of consideration for the service to the service provider / intermediary, in the event of emergency care, the entire medical documentation produced in connection therewith (copies of medical adviser s patient file, log record printouts, medical findings, hospital discharge report), to include the following data: tests performed, diagnosis, recommended treatment, in the event of a chronic disease: in what respect the symptoms detected differ from the patient s previous state; when the person concerned consulted a physician in connection with the given disease within one year before the booking was completed, with what complaints and what treatment was received by him/her (complete documentation of medical care, copy of medical log and test findings), as at the time of medical examination, when the patient s medical condition is expected to improve to such a level that he/she will be able to travel from the medical point of view, medical log number or case number, or in case of computerized data recording, a printout of treatmentrelated data, date, the physician s seal number and workplace identifier, in case of an accident, the document describing in detail the circumstances of the event, the certificate of death, in case of the Buyer s death the final grant of probate, or an abstracted copy or official copy thereof which clearly identifies the heir(s) and the notary s data, and/or the certificate of inheritance, in case of loss or damage to the Visitor s property, the police, fire brigade, and / or insurance certificate to record the occurrence and extent of such loss or damage and the circumstances of the insured event, - in the case of a road accident, a copy of the police report, if the trip needs to be cancelled due to the illness or accident of a person, then the statement by the person concerned or by a relative entitled thereto on the exemption of attending physicians and healthcare institutions providing treatment from their obligation of confidentiality in respect of the data required for assessment of the claim for insurance benefits, in the event of abstraction of documents, a copy of the police report, in case of termination of employment: - a copy of the Visitor s personal identity card, EUB FBC and EUB FSE 22/72 Policy Conditions

12 - a copy of the employment contract for the terminated employment; - in case of employment in Hungary, a copy of the official employment certificate issued by the employer (as set out in Section 80 (2) of Act I of 2012), - a copy of the document of employment termination (reasoned termination by the employer or the data sheet of the Insurance Company for this purpose, fully completed and signed by the employer as well, in the event of a failed maturity examination, official certification by the competent educational institution on the date of such failed examination and possible re-take examination dates, in case of summons for witness by court or authority, a copy of the process thereof, as well as certification of the fact that no absence was granted by such court or authority in view of the trip, in case of a claim related to a matrimonial case, copies of the official documents expressly supporting the fact and the date thereof Place of Filing a Claim The address of the Insurance Company s Customer Service where claims reports are received: 1132 Budapest, Váci út , ( claim@eub.hu, karrendezes@eub.hu, telephone: (36-1) , fax: (36-1) , documents may be downloaded from: ) Due Date of the Insurance Payout (1) Pursuant to the insurance policy, the Insurance Company shall undertake to pay the insurance benefits under the terms and conditions set out in Clause 5 if an insured event occurs during the period of insurance defined in the insurance policy provided that a valid legal ground exists. (2) The Insurance Company shall settle any filed insurance claim within 15 (fifteen) days upon receipt of all documents necessary for the assessment of such claim. (3) If the documents required by the Insurance Company are not submitted or are incomplete despite the Insurance Company's reminder, the Insurance Company may refuse the claim or may assess it on the basis of the documents available. 7. Cases when the Insurance Company is Relieved of Payment of Insurance Benefits (1) The Insurance Company shall be relieved of its obligation to provide insurance benefits if the Insurance Company proves that the insured event was caused unlawfully, by deliberate conduct or in gross negligence by the Buyer, the Visitor, or any relatives thereof living in the same household with them, by any of their members authorized for business management, or by any of their employees, members or agents holding a position set out in the general contractual conditions, (b) by the Buyer or the Visitor failing to comply with their obligation to prevent and / or mitigate loss and damage. (2) Cases of gross negligence shall include the following: (a) the insured event is caused by a pathological addiction or any overdosage of medication, alcohol or drugs, (b) alcohol intoxication at the time when the insured event occurred, (c) the Passenger s recreational drug use or abuse of narcotic substances or medical drugs, unless they were prescribed by a physician, and were taken in the recommended manner, (d) committing at least two traffic offenses violating the traffic regulations effective in the particular country at the time of the occurrence of a traffic accident, (e) driving a motor vehicle which did not have a valid certificate of registration, or driving a motor vehicle which the driver of such vehicle did not have a valid driving license for, (f) events which have occurred in relation to the participation in any sports activities without using necessary protective equipment or without complying with the generally accepted rules applicable to the specific sports activity, (g) events which have occurred in relation to a failure to comply with the rules applicable to the particular activity, issued by the authorities with competence at the place of the activity or by the operator of the given facilities; or in the case of work, failure to observe the rules of the profession and the health and safety requirements referring to the job concerned. 8. Events Excluded from the Insurance Coverage EUB FBC and EUB FSE 23/72 Policy Conditions (1) The insurance does not cover events caused in whole or in part by: (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, (f) pathological addiction or any overdosage of medication, alcohol or drugs, or withdrawal of these (g) use of any weapon, (h) alcohol intoxication, (i) recreational drug use or the abuse of narcotic substances or medical drugs, unless they were prescribed by a physician, and were taken in the recommended manner. 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) The insurance does not cover furthermore: (a) consequential losses, (b) non-pecuniary losses, (c) losses arising from the abstraction of documents left in a motor vehicle. If the insurance policy is concluded without medical underwriting (medical history statement or medical tests), the insurance shall not cover diseases or accidents which: (a) are in part or in whole caused by any medical condition (e.g.: disease, complaint, symptom) which existed prior to the inception date of the insurance policy or the booking of the travel service in the case of trip cancellation, and prior to the commencement of the insurance coverage in case of a trip interruption, (b) are treated by a physician within one year prior to the commencement of the insurance cover or the conclusion of the travel contract, or such medical treatment would have been medically required irrespective of the date of diagnosing such disease in respect of the person by reason of whom the trip is cancelled or interrupted, (c) are in connection with any permanent impairment of the Visitor that had been diagnosed prior to the commencement of the coverage period. (4) Furthermore, the insurance does not cover any inability to travel due to: (a) psychiatric and psychic diseases, (b) control tests, post- or follow-up treatment, (c) diseases or accidents on account of which any of the following types of treatment were only applied: physiotherapy treatment, acupuncture, therapeutical gymnastics or natural healing. Exceptions therefrom include cases when any of the treatments above were applied on the basis of prior medical examination, to the physician s indication. (d) sexually transmitted diseases, acquired immunodeficiency syndrome (e.g. AIDS), or related illnesses, (e) the insurance does not cover trip cancellation in connection with pregnancy or childbirth, not even in case of complications in pregnancy, if the date of commencement of insurance coverage is after the 27th week of pregnancy. Furthermore, the insurance does not cover cases when using the service concerned would have been contraindicated even in respect of an undisturbed pregnancy, and the service was booked in the knowledge of such pregnancy. (f) termination of employment relationship, provided that: - it occurs with an employer against which bankruptcy or final dissolution proceedings were in progress at the date of commencement of insurance coverage, or liquidation proceedings were instituted against such employer, on the basis of which liquidation was actually ordered, EUB FBC and EUB FSE 24/72 Policy Conditions

13 - the party exercising employer s rights is a close relative of the Insured or the Insured has a majority control over such employer as set out in Section 685/B of the Hungarian Civil Code, - the employment relationship is terminated within the probationary period, - it occurs through ordinary termination by the employer in connection old-age retirement or pension by disability, - the Insured was aware of it even before the date of commencement of insurance coverage. (5) Furthermore, the insurance does not cover insured events which may have been caused by any event occurring in the course of pursuing competitive sports or training therefor. Competitive sports shall include any sports activities if the Insured participates in competitions (e.g.: championships, matches) as a professional or non-professional sportsman, irrespective of the nature of such competition. (6) The Insurance Company shall not be obliged to provide benefits in connection with trip cancellation if the service covered has been utilized as evidenced. Our Customers are particularly advised of the provisions of these general conditions which are substantially different from the former standard policy conditions or from the provisions set out in the Civil Code currently in effect. In order to highlight our advice, these provisions are summarized in this section. This clause does not contain the provisions of the general conditions which by way of derogation from earlier standard conditions applied by the insurance company have been modified to comply with Act V of 2013 on the Civil Code (effective from March 15, 2014). (1) The period of limitation is 2 (two) years. (3) No premium refund is possible after joining the group insurance policy. Európai Utazási Biztosító Zrt. 9. Making Complaints, Forum for Customer Complaints (1) In the event of any difference of opinions, notification thereof as well as any complaint arising in connection with the insurance policy may be communicated verbally (in person, over the phone) or in writing (in a document submitted in person or by an agent, mailed, faxed, or ed) to the Insurance Company: Address of the Customer Service: H-1132 Budapest, Váci út Telephone: (+36) , Fax: (+36) , ugyfelszolgalat@eub.hu (2) The Insurance Company shall investigate all complaints and notices, and shall send written notification to the complainant of the findings of the investigation within thirty (30) days upon receipt of the letter of complaint by the Insurance Company. (3) If the customer complaint is handled over the phone, the telephone conversation between the Insurance Company and the customer shall be recorded, and the recording shall be retained for one year. If the customer so requests within one year, he/she may listen to the recording, and may read, once again on request, the official record drawn up with respect to the recording, free of charge. (4) The Insurance Company shall promptly investigate any verbally presented complaint and shall offer appropriate remedy, if required. If the customer does not accept to the resolution of the case, the Insurance Company shall draw up an official record of the complaint and its position in the case, and shall serve a copy thereof to the customer in person if the complaint was communicated verbally, or by mail - together with the position and the reasons (response) - in accordance with point (2) if the complaint was communicated by telephone; in other cases the procedure for written complaints is followed. (5) If the complaint cannot be promptly investigated, the Insurance Company shall draw up an official record of the complaint and shall act as above. (5) The Insurance Company shall retain the complaint and its response to the complaint for three years. (6) Information on the name and contact data of the supervisory authority of the Insurance Company and options available for legal remedy in case of any complaint management failure are included in the Client Information. 10. Period of Limitation The limitation period for claims arising under this policy shall be 2 (two) years. The limitation period will commence at the following points in time: - if an insured event is not notified to the Insurance Company, then at the time when the insured event occurred, - if an insured event is notified to the Insurance Company, then on the day following the 30th day of the date when the last document was received by the Insurance Company, - if an insured event is notified to the Insurance Company and if the documents or information required by the Insurance Company are not submitted or disclosed, on the day following the deadline of the document submission or information provision set out by the Insurance Company, or in the absence of such a deadline, on the 30th day of the issue date of the written communication served for that purpose. - in other cases, at the date when the claim falls due. 11. Conditions Different from Former Standard Conditions or the Provisions of the Hungarian Civil Code EUB FBC and EUB FSE 25/72 Policy Conditions EUB FBC and EUB FSE 26/72 Policy Conditions

14 Client information and general provisions relating to the insurance contract Thank you for your trust and for submitting your offer for the conclusion of an insurance contract to Európai Utazási Biztosító Zrt. Please read carefully the information below, which presents the key data of our company and informs you about our organisational units processing consumer notification and complaints, the name and registered office of our supervisory body, the possibility to submit client complaints, depending on their nature, to the Hungarian National Bank and the Financial Mediation Board, judicial recourse as well as the most important rules on data protection and data management. Also listed are the organisations to which we are entitled to disclose the clients' data considered as insurance secret on the basis of Act LX of 2003 on insurance companies and insurance activities. (hereinafter, the "Insurance Act"). We also cover the most essential information necessary before the signing of the insurance offer, including theoretical and practical information on the management of personal data, on the basis of which you can make your declaration expressing your intention to contract in a deliberate manner. We also indicate the taxation rules concerning insurance contracts. In addition to the above, this Client information and general provisions relating to the insurance contract (hereinafter, the "Client information") also contains the general provisions of the insurance contract concluded. In addition to the provisions of the Client information, the general and specific terms and conditions concerning the insurance (hereinafter, the "Insurance terms and conditions) as well as the declarations of the Policyholder/Insured Person and his answers to the questions of the Insurer are also a part of the content of the legal relationship established through the insurance contract in accordance with the type of the insurance contract. Any matters not covered in this Client information and the Insurance terms and conditions are governed by the provisions of the Civil Code and other applicable Hungarian law in force. I. Information concerning the Insurer Európai Utazási Biztosító Zártkörűen Működő Részvénytársaság started operations in the Hungarian insurance market on 1 January Registered office: 1132 Budapest, Váci út Telephone: (36-1) , Fax: (36-1) Company registration number: Court of Registration of the Tribunal of Budapest Registered capital of the company: 400,000,000 HUF Primary activity: non-life insurance Form of the company: company limited by shares Method of operation: private The shareholders of the company are: Generali Biztosító Zrt. 61% Europäische Reiseversicherung AG, Munich 26% Europäische Reiseversicherung AG, Vienna 13% II. Customer Service Kindly address any questions or problems concerning your insurance contract to our customer care service office, who are always at your disposal. Contact data of the Customer Care Office: Telephone number: (1) Fax: (1) EUB FBC and EUB FSE 27/72 Policy Conditions ugyfelszolgalat@eub.hu Address of the customer care office: 1132 Budapest, Váci út More information is available at III. Complaint management If you have any objections to the conduct, activities or omission of our insurance company you may submit your complaint orally or in writing at the contact points above as follows: You can announce your oral complaint in person at our customer care office for personal administration from 8.00 to o'clock on Monday, Tuesday, Wednesday and Friday and from 8.00 to o'clock on Thursday. Oral complaints can be communicated also during the above periods, except for Thursdays, when you can notify oral complaints from 8.00 to o'clock. You can find detailed information regarding our complaints management procedure, the method of complaints management and the administration of the complaints management records on our website and the complaints management policy placed in our customer care offices. Please note that the "Customer complaint" for in available on the supervision's 's website, which you can also use to submit your complaint to the Insurer. IV. Supervisory authority The supervisory authority of the Insurer is the Hungarian National Bank (hereinafter referred to as "HNB" or "Supervision"). Contact data of the Supervision Registered office: 1054 Budapest, Szabadság tér 8-9. Postal address: H-1534 Budapest BKKP Postafiók: 777. Central telephone: (36-1) Central fax: (36-1) Website: Address of the customer care office: 1013 Budapest, Krisztina krt. 39. Telephone number of customer care office: Electronic mail address of the customer care office: ugyfelszolgalat@mnb.hu) Kindly take note of the Supervision's consumer service website ( and the information and comparison supporting applications available there. IV.1. Our company is an organisation entitled to carry out an activity supervised by the HNB. In respect of such activity, the Supervision monitors, within the frame of proceedings initiated upon request or ex officio, compliance with a) the acts enumerated in the Insurance Act and the regulations adopted for the implementation thereof laying down obligations concerning the practices of the Insurer in connection with consumer using the services provided by the Insurer, and b) the provisions of the Act on the prohibition of unfair commercial practices against consumers, c) the Act on the basic requirements and certain restrictions of commercial advertising activities; and d) the Act on electronic commerce and on information society services (points a)-d) hereinafter referred to collectively as consumer protection regulations )); furthermore e) the obligations in relation to consumer disputes of a financial nature and, with the exception of the regulations pertaining to the conclusion, validity, legal aspects and termination of contracts, and cases of breach of contract and the related legal ramifications, takes action in the event of any infringement of these provisions (hereinafter referred to as consumer protection proceedings ). EUB FBC and EUB FSE 28/72 Policy Conditions

15 A person considered consumer under the Civil Code is entitled to initiate proceedings before the Supervision if he has lodged a complaint to the Insurer orally or in writing, but he has not received a response or the complaint was not examined lawfully or, based on the response of the Insurer, he alleges another infringement of consumer rights under the legislation referred to above. The Supervision is not competent to proceed in legal disputes concerning the conclusion, validity, legal effects or termination of insurance contracts or disputes relating to breach and its legal effects. V. Process of the Financial Arbitration Board, arbitration proceedings and judicial recourse The Financial Arbitration Board is a professionally independent body operated by the HNB. The consumer may submit a written application to the Financial Arbitration Board in order to settle consumer disputes of financial nature related to the conclusion or performance of the insurance contract out of court proceedings. The Financial Arbitration Board endeavours to reach a settlement, failing which it takes a decision in the case to ensure the simple, fast, efficient and cost effective enforcement of the consumer rights. The proceedings of the Board may be initiated only if the consumer has attempted to settle the dispute directly with the Insurer. Contact data of the Financial Arbitration Board Address: 1013 Budapest, Krisztina, krt. 39. Postal address: H-1525 Budapest BKKP Pf.: 172. Additional essential information concerning the functioning of the Financial Arbitration Board (including the Rules of Procedure of the Board) is available on the website. Of the proceedings aimed to avoid litigation, conflict management and dispute resolution, a mediation procedure may also be initiated under Act LV of 2002 on mediation in addition to the procedure of the Financial Arbitration Board Claims arising from the insurance contract may also be enforced before the court by omitting the alternative dispute resolution methods indicated above. Court proceedings are governed by the provisions of Act III of 1952 on the Civil Proceedings Act. VI. Theoretical and practical information concerning insurance secret and the management of personal data Insurance secret and personal data Insurance secret comprises all of the data, other than data including classified information, in the possession of the insurer, reinsurance companies, insurance intermediaries and insurance consultants which pertain to the particulars, financial situation or business affairs of their clients (including claimants), and the contracts of clients with the Insurer and reinsurance companies. Insurance secret comprises the following data: - personal data of the clients of the insurer; - insured property and its value; - sum insured; - in respect of life, accident, health and third party liability insurances, - data relevant to health status; - amount of the sum insured and time of its payment; - all significant facts and circumstances relevant to the insurance contract, its conclusion and registration, and the service. EUB FBC and EUB FSE 29/72 Policy Conditions Personal data means all information relating to the data subject, in particular by reference to his name, an identification number or to one or more factors specific to his physical, physiological, mental, economic, cultural or social identity, and any reference drawn from such information pertaining to the data subject; VI.1. Purpose of Data Management VI.1.1. Data management related to the registration of insurance contracts and the performance of insurance services Please note that the Insurer, acting as a data manager, is entitled to manage such insurance secret of its clients which are related to the insurance contract, its conclusion, registration and the services. The purpose of data processing can only be such which relates to the conclusion of the insurance contract, its modification or keeping in the portfolio as well as evaluating claims arising from the insurance contract, or any other purpose specified in the Insurance Act. The policyholder, the Insured Person, the beneficiary, the claimant and any other persons entitled to the service of the insurer are considered as clients of the insurer. For the purposes of the provisions of data protection, any person who makes an offer for contract is also considered as a client. The data management of the Insurer is based on the voluntary consent deemed to be granted through the conclusion of the insurance contract. VI.1.2. Data management in relation to data exchange between insurers Please note that in order to protect the interests of the risk groups of Insured Persons we are entitled on the basis of Section 161/A of the Insurance Act, which enters into force on 1 January 2015, to address other insurers, starting from 1 January 2015, in respect of the data defined in Subsections (3)-(5) of Section 161/A of the Insurance Act, in the course of fulfilling our obligations required by the law or undertaken in the contract and to prevent any abuse related to insurance contracts in the manner defined by this insurer in accordance with Section 155 (1) of the Insurance Act by observing the characteristics of the insurance product. The request must include the data required to identify the person, property or property right defined therein, the type of the requested data, as well as an indication of the request for data. Such request and the fulfilment thereof are not considered to be a violation of the insurance secret. In doing so, we may request the following data from other insurers: - the data listed in points a)-e) of Section 161/A (3) of the Insurance Act in relation to the conclusion or performance of insurance contracts in the classes of insurance defined in points 1 and 2 of Part A) of Schedule 1 of the Insurance Act; - the data listed in points a)-e) of Section 161/A (4) of the Insurance Act in relation to the conclusion or performance of contracts in the classes of insurance defined in points 3, 6, 7, 8, 9, 14, 15, 16, 17, 18 and 19 of Part A) of Schedule 1 of the Insurance Act; and - based on the prior consent of the claimant, the data listed in points a)-c) of Section 161/A (5) of the Insurance Act in relation to the conclusion or performance of insurance contracts in the class of insurance defined in point 13 of Part A) of Schedule 1 of the Insurance Act The insurer requested by us is obliged to send us the data identified in the request corresponding to the legal regulations within the reasonable time defined in the request or, lacking such, fifteen days following the date of receipt of the request. We are entitled to manage the data received as a result of the request for a period of ninety days of its receipt. If, as a result of the request, the data we come to know is necessary to enforce our legitimate interest, the duration of data management is extended until the final closing of the procedure initiated in relation to the enforcement of the claim. If, as a result of the request, the data we come to know is necessary to enforce our legitimate interest, but the procedure related to the enforcement of the claim is not initiated within one year of coming to know the data, the data may be managed for one year of becoming aware thereof. We notify the client of the request made for such purpose, the data contained therein and the fulfilment of the request at least once during the insurance period and inform the client, upon request, in the manner laid down in the Act on the right of informational self-determination and the freedom of information. We do not link the data received as a result of the request with any other data we have come to know or manage which do not relate to the interest to be insured or insured for any purpose other than the above. EUB FBC and EUB FSE 30/72 Policy Conditions

16 The requested insurer is responsible for the correctness and accuracy of the data specified in the request. VI.1.3. Data management concerning complaints received by the insurer The insurer manages the personal data obtained in the course of the complaints management to ensure compliance with the provisions of Section 167/B of the Insurance Act concerning complaints management, and keeps records of the clients' complaints and the measured taken to settle and solve them. The Insurer's data management is based on the above provision of the Insurance Act. VI.2. The time of the handling of the data Pursuant to Section 155 of the Insurance Act, the Insurer is entitled to manage personal data, including data directly related to the health status during the existence of the insurance relationship and, unless otherwise provided by the law, as long as any claim can be enforced in connection with the insurance relationship. The insurer is entitled to process personal data relating to any frustrated insurance contract as long as any claim can be asserted in connection with the frustration of the contract. According to Section 167/B (4) of the Insurance Act, where complaints are handled by telephone, the Insurer must record the conversation between it and the client, and retain this recording for a period of one year. Section 167/B (9) of the Insurance Act provides that the Insurer must retain the complaint and the reply provided therefor for a period of three years. The insurer must delete all personal data relating to its current or former clients or to any frustrated contract in connection with which the data in question is no longer required or the consent of the data subject to processing is not available, or if it is lacking the legal grounds for processing such data. VI.3. Legal grounds for data management Kindly note that pursuant to Act CXII of 2011 on the right of informational self-determination and the freedom of information (hereinafter, the "Info Act"), the legal grounds for the data management referred to above is Section 155 and Section 167/B of the Insurance Act and, in regards to the data exchange between the insurers starting from 1 January 2015, Section 161/A of the Insurance Act. The Insurer may manage data related to the client's health status only with the written consent of the data subject according to the provisions of Act XLVII of 1997 on the management of data concerning health and related personal data. According to the Info Act, personal data may also be managed if obtaining the consent of the data subject is impossible or would cause disproportionate costs, and managing the personal data a) is necessary for compliance with a legal obligation pertaining to the data manager, or b) is necessary for the purposes of legitimate interests pursued by the data manager or by a third party and enforcing these interests is considered proportionate to the limitation of the right for the protection of personal data, Pursuant to the Info Act, where personal data is collected under the data subject s consent, the data manager shall, unless otherwise provided for by law, be able to process the data collected where this is necessary: a) for compliance with a legal obligation pertaining to the data manager, or b) for the purposes of legitimate interests pursued by the data manager or by a third party, if enforcing these interests is considered proportionate to the limitation of the right for the protection of personal data, without the data subject s further consent, or after the data subject having withdrawn his consent. The Insurer may manage data for any purpose other than the above only with the prior consent of the client. The Insurer informs the data subjects of such data management when recording the data for the given purpose. VI.4. Persons entitled to learn the data EUB FBC and EUB FSE 31/72 Policy Conditions Please be advised that only the employees and contracted insurance intermediates of us holding proper access rights as well as persons or organisations engaged in data processing or outsource activities for us on the basis of separate contracts may come to know your data to the extent defined by us and scope necessary for carrying out their activities. Any other persons or organisations in respect of whom/which we are not obliged to keep the insurance secret by virtue of points VI.6-VI.9 may also come to know the data. Please note also that Europ Assistance Kft. (1134 Budapest, Dévai u ), acting as the agent of Európai Utazási Biztosító Zrt., is rendering support services related to claims adjustment to our insurance company within the framework of outsourcing. In this context, our company may transmit to Europ Assistance data and information related to claims under the authorisation of law. Europ Assistance Kft. has all the technical, security and organisational devices which prevent unauthorized access to the data transmitted or unauthorised use of the data, or any abuse of them. VI.5. Provisions for keeping the insurance secret Unless otherwise provided by law, the owners, managers and employees of the Insurer and all other persons having access to insurance secrets in any way or form during their activities related to the Insurer are required to maintain professional confidentiality with no time limit whatsoever. Insurance secrets may only be disclosed to third parties - based on the written consent of the client of the insurer to whom they pertain or his legal representative, precisely specifying the insurance secrets which may be disclosed, - if the confidentiality obligation does not apply on the basis of the Insurance Act. VI.6. The requirement of confidentiality concerning insurance secrets does not apply to: a) the Supervision, when acting in an official capacity; b) investigating authorities and the public prosecutor s office, in connection with a pending criminal procedure, and the expert assigned by them; c) the court of law in connection with criminal or civil cases as well as bankruptcy and liquidation proceedings, the expert assigned by the court, and the independent court bailiff in connection with a case of judicial enforcement; d) notaries public in connection with probate cases, and the experts assigned by them; e) the tax authority in connection with tax matters where the Insurer is required by law to disclose specific information to the tax authority upon request and/or to disclose data concerning any payment made under an insurance contract that is subject to tax liability; f) the national security service acting in an official capacity; g) the Gazdasági Versenyhivatal (Hungarian Competition Authority) when acting within its authority; h) the court of guardians, acting within its authority, i) the healthcare authority defined in Section 108 (2) of Act CLIV of 1997 on healthcare; j) the agencies authorised to use secret service means and to conduct covert investigations if the conditions prescribed in specific other legislation are provided for; k) providers of reinsurance and co-insurance, where applicable; l) the bureau of insurance policy records which maintains the central policy records with respect to the data transmitted as governed in the Insurance Act; m) the receiving insurance company with respect to insurance contracts conveyed under a portfolio transfer arrangement; n) with respect to the information required for settlement and for the enforcement of compensation claims, and also for the conveyance of these among one another, the body operating the Compensation Fund and/or the Claims Guarantee Fund, the National Bureau, the correspondent, the Information Centre, the Claims Organization, claims representatives and claims adjustment representatives, or the responsible party if wishing to access - in exercising the right of self-determination - the particulars of the other vehicle that was involved in the accident from the accident report for the purpose of settlement; o) the outsourcing service provider with respect to the data supplied under outsourcing contracts; p) third-country insurance companies, insurance intermediaries and consultants in respect of their branches, if they are able to satisfy the requirements prescribed by Hungarian law in connection with the management of each datum and the country in which the third-country insurance company is established has regulations on data protection that conform to the requirements prescribed by Hungarian law; EUB FBC and EUB FSE 32/72 Policy Conditions

17 q) the commissioner for fundamental rights when acting in an official capacity; r) the National Authority for Data Protection and Freedom of Information acting in an official capacity; s) the Insurer, upon receipt of a written request from a body or person referred to in paragraphs a)-j), n), s) and t) indicating the name of the client or the description of the insurance contract, the type of data requested and the purpose and grounds for requesting data, with the exception that the bodies or persons referred to in paragraphs k)-m) and p)-r) are required to indicate only the type of data requested and the purpose and grounds for requesting it. An indication of the statutory provision granting authorization for requesting data shall be treated as verification of the purpose and legal grounds. The confidentiality requirement applies to the employees of the agencies specified above beyond the framework of their official capacity. VI.7. The Insurer is required to supply information forthwith where so requested in writing by the investigative authorities, the national security service or the public prosecutor if there is any suspicion that an insurance transaction is associated with: a) abuse with narcotic drugs, abuse with new psychoactive materials, act of terrorism, abuse with explosives and destructive devices, abuse with firearms or ammunition, money laundering or any felony offence committed in criminal conspiracy or in a criminal organization according to Act IV of 1978, which was in force until 30 June 2013, b) drug trafficking, possession of drugs, provoking abnormal passion or supporting the production of drugs, abuse with new psychoactive materials, act of terrorism, failure to report an act of terrorism, financing of terrorism, abuse with explosives and destructive devices, abuse with firearms or ammunition, money laundering or any felony offence committed in criminal conspiracy or in a criminal organization according to the Criminal Code. Upon an investigative authority's "urgent matter" request the Insurer must disclose data considered insurance secret from its files which are incidental to the matter in question even without the public prosecutor's approval defined in a separate legal regulation. The obligation to keep insurance secrets does not apply where the Insurer complies with the obligation of notification prescribed in the Act on the implementation of restrictive measures imposed by the European Union relating to liquid assets and other financial interests. Furthermore, the obligation to keep the insurance secret does not apply, either, a) when a Hungarian law enforcement agency makes a written request for information which is considered insurance secret from the Insurer in order to fulfil the written requests made by a foreign law enforcement agency on the basis of international commitment, b) when the authority operating as a financial intelligence unit, acting within its powers conferred under the Act on the prevention and combating of money laundering or in order to fulfil the written requests made by a foreign financial intelligence unit, makes a written request to the Insurer for information which is considered insurance secret. VI.8. It does not constitute a violation of insurance secrets when the Insurer supplies data to a third-country insurance company or a third-country data processing agency (third-country data manager) if a) the client of the Insurer (data subject) has given his prior written consent, b) in lack of the data subject's consent, the data supply has the scope, purpose and legal grounds defined by law and the and the adequate level of the protection of the personal data in such third country is ensured in any manner set forth in Section 8 (2) of Act CXII of 2011 on the right of informational self-determination and the freedom of information. The provisions governing the transmission of data within the domestic territory apply when transmitting data which is treated as an insurance secret to another Member State. VI.9. The following are not considered a violation of insurance secrets: a) disclosure of summarized information from which the clients and/or the specifics of their business cannot be identified; b) in respect of branch offices, transmission of data to the supervisory authority of the country where the registered address (main office) of the foreign-registered enterprise is located, if such transmission is in compliance with the agreement between the Hungarian and the foreign supervisory authorities; c) disclosure of information, other than personal data, to the minister responsible for the regulation of the financial, capital and insurance market for legislative purposes and in connection with the completion of feasibility studies; d) the transmission of data in order to comply with the provisions contained in the relevant chapter of the Insurance Act on supervision on a consolidated basis and the provisions of the Act on credit institutions and financial enterprises regarding the supplementary supervision of financial conglomerates. The Insurer may not refuse to disclose the data specified above in reference to the protection of insurance secrets. The Insurer is not entitled to notify the data subject of the data transmission under points VI.6. b), f) and j) and point VI.7. The Insurer may transmit the personal data of the clients in the cases and to the organisations defined in points VI.6. a)-s), VI.7. a)-b) as well as point VI. 5., VI.8., VI.9. and, from 1 January 2015, point VI.1.2. VI.10. Rights concerning data management and their enforcement At the request of the natural person concerned, the Insurer provides information to the data subject in writing as soon as possible of the receipt of the application and not more than 30 days, on the personal data of the data subject managed by us or any other data processor assigned by us, their sources, purpose, legal grounds and the duration of the data management, the name and address of the data processor and its activities related to the data management and, where the personal data of the data subject are transmitted, the legal grounds and addressee of the data transmission. The requested information will be provided free of charge if the affected natural person has not submitted any request for the same scope of data during the year in question. The affected natural person may request correction of his personal data and, except for data management ordered for a purpose based on public interest on the basis of an Act or decree of the local government issued on the basis of the authorisation of an Act and in the scope defined therein, the blocking and deleting of his data. We enter any data corrections initiated by the given natural person in our records. The natural person concerned may object to the management of his data in cases defined in the Info Act. We investigate the objection within the shortest possible time inside a 15-day time limit from the receipt of the request and adopt a decision as to merits thereof, and notify the natural person data subject of its decision in writing. If the data subject does not agree with the decision or we miss the time limit, the given person may turn to court within a period of 30 days of the notification of the decision or the last day of the time limit. The data subject may submit a notification to the National Authority for Data Protection and Freedom of Information if he believes at any time that any violation of law occurred in relation to the management of his data or the immediate danger thereof prevails. Contact data of the National Authority for Data Protection and Freedom of Information Registered seat: 1125 Budapest, Szilágyi Erzsébet fasor 22/c. Postal address: 1530 Budapest, Pf.: 5. Telephone: (+36 1) Telefax: (+36 1) ugyfelszolgalat@naih.hu Web: As regards data which can be associated with a deceased person, the rights of the data subject may be exercised by the heir of the deceased person or the entitled person named in the insurance contract. EUB FBC and EUB FSE 33/72 Policy Conditions EUB FBC and EUB FSE 34/72 Policy Conditions

18 VII. Refund of the value-added tax Please note that the Insurer may undertake to reimburse and will reimburse the amount corresponding to the amount of the value-added tax (VAT) of the consideration of the service (material, repair or restoration costs) subject to value-added tax necessary to restoring the status before the damage or terminating the consequences of the damage occurred in relation to its obligations arising from the insurance contract only on the basis of an invoice which shows the amount of the VAT or which can be used for calculating the amount thereof provided that the amount of the VAT is not refunded to the entitled person from the state budget. VIII. Method of payment: The Parties agree as follows in relation to the methods of payment of the insurance premium: - Cash: the Policyholder pays the insurance premium in cash to the Insurer's representative or directly to the Insurer's cash-desk upon the conclusion of the insurance contract, - Online payment by bank card: the Policyholder pays the insurance premium by using a bank card suitable for the online payment of the insurance premium through the Insurer's online contracting system. IX. Insurance intermediary The intermediary of the insurance contract may be a dependent or an independent insurance intermediary. A dependent intermediary (agent) mediates the insurance contract based on his employment with the Insurer or the assignment of the Insurer. The Insurer is liable for any damage potentially caused by the dependent insurance intermediary in the course of his mediation activities. Independent insurance intermediaries include brokers who are acting on behalf of the client, and multipleinsurance agents who are simultaneously mediating the competing products of the insurers based on their multiple legal relationships with more than one insurer. The independent insurance intermediary is independently responsible for any damage potentially caused by breaching, or failing to observe, the rules of the insurance profession in the course of its insurance mediation activities. This responsibility extends to the activities of all persons acing in its name (acting its behalf). If so authorised by the Insurer, the insurance broker is entitled to act on the client's order to accept payments of insurance premiums. Multiple-insurance agents may accept the insurance premium if so authorised by the Insurer. The Insurer's representative may accept the insurance premium against a notice of receipt (receipt) up to the limit of 250,000 HUF defined by the Insurer. The Insurer's representative is not authorised to accept insurance premium exceeding that level. Dependent insurance intermediaries (agents) and multiple-insurance agents acting under the assignment of the Insurer are not authorised to participate in the payment of any sums due from the Insurer to the client. X. Conditions of the formal requirements and effect of legal declarations (reports, notifications) X.I The subjects of the insurance contracts may make their contractual declarations in the manner and form defined below, and such declarations are valid only if made in such form: - letter signed and sent to the Insurer's address; - fax message signed and sent to the fax number indicated and published by the Insurer; - signed and scanned document sent to the electronic mail address indicated and published by the Insurer; - declaration sent to the electronic mail address indicated and published by the Insurer if the client making the declaration has previously consented to the electronic communication and sends the declaration to the Insurer from the electronic mail address notified when the consent was given; - signed document delivered in person or by a third person in the customer support office of the Insurer, - declaration made on the telephone number indicated ad published by the Insurer, - declaration made in the contracting and damage notification system operated by the Insurer and registered and archived by the Insurer X.2. A declaration is effective only if an organizational unit of the Insurer becomes aware of it. X.3. The Insurer and Europ Assistance undertake to contact the Insured Person or any person acting on his behalf in the Hungarian or English languages. In case of any dispute the declarations made in the Hungarian language prevail. X.4. In case of notifications sent by mail with notice of receipt, the legal declaration sent by the Insurer is considered delivered to the addressee refused to accept it or the letter was returned from the address of the addressee shown in the Insurer's records with the "moved to an unknown location" or unclaimed" mark. A declaration is also deemed delivered when the addressee or his representative acknowledged the receipt thereof with his signature. XI. Miscellaneous provisions XI.1. No previous contract/business practice or usage of the Parties or any usage known to, and regularly applied widely by, the subjects of contracts of the similar type in the insurance business are not a part of the insurance contract. XI.2. The agreement between the Parties contains all the terms and conditions of the insurance contract and any previous agreements not included in the written contract cease to have effect. XII. Governing law Unless otherwise agreed by the parties or provided by law, the insurance contract, the preceding obligation to supply information and cooperate, and all claims concerning the insurance contract shall be governed by the laws of Hungary. XIII. Provisions of this Client information substantially departing from the provisions of the Civil Code This chapter does not include the provisions of the Client information, departing from the previous general terms and conditions applied by the Insurer, which were amended in order to ensure compliance with Act V of 2013 on the Civil Code which entered into force on 15 March By derogation from Section 6:63 of the Civil Code, no previous contract/business practice or usage of the Parties or any usage known to and regularly applied widely by the subjects of contracts of the similar type in the insurance business are not a part of the insurance contract. - In case of notifications sent by mail with notice of receipt, the legal declaration sent by the Insurer is considered delivered to the addressee refused to accept it or the letter was returned from the address of the addressee shown in the Insurer's records with the "moved to an unknown location" or unclaimed" mark. In the hope of a successful cooperation, Márk Lengyel, Zsuzsanna Balázs Csoknyainé Effective from 1 July 2014 The Insurer is entitled to determine the possibility to make declarations in manners other than the above with respect to certain contract and types of declarations and in such case the relevant provisions are laid down in the general or specific terms and conditions concerning the contract or the agreement made by the parties in this subject. The provisions regarding the notification of Insured Incidents and the deadline thereof are set out in the general and specific terms and conditions concerning the insurance contract. EUB FBC and EUB FSE 35/72 Policy Conditions EUB FBC and EUB FSE 36/72 Policy Conditions

19 SAFE & FUN HUNGARY belföldi utasbiztosítási termékre vonatkozó ÁLTALÁNOS ÉS KÜLÖNÖS BIZTOSÍTÁSI FELTÉTELEK (EUB FBC) Jelen általános biztosítási feltételek (a továbbiakban: általános feltételek) és különös biztosítási feltételek (a továbbiakban: különös feltételek) - ellenkező megállapodás hiányában - az Európai Utazási Biztosító Zártkörűen Működő Részvénytársasággal (a Biztosítási Cégcsoportok Jegyzékében szereplő, Generali Csoporthoz tartozó Társaság, székhelye: 1132 Budapest, Váci út a továbbiakban: Biztosító;.) a jelen általános és különös feltételekre hivatkozással kötött biztosítási szerződésekre (a továbbiakban: biztosítási szerződés) hatályosak. Jelen általános feltételekben, valamint a különös feltételekben nem szabályozott kérdésekben a Polgári Törvénykönyvről szóló évi V. törvény rendelkezései, valamint a hatályos magyar jogszabályok az irányadóak. A biztosítási szerződés részét képezi továbbá az Európai Utazási Biztosító Zrt. Ügyféltájékoztatója is. Jelen szerződés nem minősül fogyasztói biztosítási szerződésnek. I. Általános Feltételek 1. Fogalmak (1) Versenyző sportoló: aki egy adott sportágban a kockázatviselés kezdetét megelőző két éven belül versenyen (pl. bajnokságon, meccsen) is indult (függetlenül a verseny jellegétől), vagy az adott sportágban sportszervezetnek sportolóként nyilvántartott tagja (2) Hivatásos sportoló: olyan versenyző sportoló, aki sportszervezettel létesített munkaviszony vagy munkavégzésre irányuló egyéb jogviszony, továbbá egyéni vállalkozás keretében jövedelemszerzési céllal sporttevékenységet folytat, és rendelkezik a sportági szakszövetség, illetőleg a sportszövetség feltételei szerint megszerzett hivatásos sportolói engedéllyel. (3) Hobbi sportoló: aki sporttevékenységét nem hivatásos sportolóként és nem amatőr sportolóként végzi, versenyszerű sporttevékenységet egyáltalán nem folytat, és sportszervezetnek nem tagja. (4) Autó-motorsport: (a) bármely gépi erővel hajtott közlekedési eszköz (pl. motor vagy gépjármű) közúton kívül, vagy versenypályán történő használata, (b) bármely autó- vagy motorversenyen történő részvétel, vagy az arra történő felkészülés, edzés, (c) közúti forgalomban nem engedélyezett bármely jármű használata, (d) cross- vagy triálmotor használata, (e) bármely szervezett motoros- vagy autós kalandtúrán vagy túraversenyen történő részvétel (autós kalandtúrának minősül minden olyan nyilvánosan meghirdetett motoros- vagy autós túra, amelynek célja a szervezők által meghatározott földrajzi pont(ok) elérése). (5) Baleset: Az a hirtelen fellépő, egyszeri, külső fizikai és/vagy kémiai behatás, amely a Biztosítottat akaratától függetlenül a kockázatviselés tartama alatt éri és a biztosítás tartama alatt szakorvos által igazolt olyan anatómiai károsodást okoz, amely akut módon célirányos gyógyító beavatkozást indokol. Nem minősül balesetnek: (a) a gyermekbénulás és a kullancscsípés következtében kialakuló agyburok-, és/vagy agyvelőgyulladás, (b) a veszettség, (c) a tetanuszfertőzés, (d) az ember vagy állat vagy egyéb élőlény által terjesztett bármely fertőzés még abban az esetben sem, ha balesetszerű fizikális ok váltja ki, (e) a fagyás, kihűlés, kimerültség, a napszúrás, a megemelés és a hőguta, (f) a foglalkozási betegség (ártalom), (g) anatómiai képlet igazolt friss sérülésével nem járó, akut nyílt műtéti beavatkozást nem igénylő úgynevezett rándulásos balesetek, (h) porckorongsérv és egyéb sérvesedési megbetegedések, (i) ahol a friss baleseti eseménnyel közvetlen okozati összefüggésben anatómiai elváltozás a rendelkezésre álló orvosi iratok alapján nem állapítható meg. (6) Biztosítási esemény: azon - a kockázatviselés kezdetéhez képest jövőbeni okkal okozati összefüggésben a kockázatviselés tartama alatt bekövetkező - események köre, melyek bekövetkezése esetén a Biztosító jelen feltétel adott fejezetében meghatározott szolgáltatások teljesítését vállalja, feltéve, hogy a biztosítási feltételekben meghatározott, a Biztosító kockázatviselési kötelezettségét korlátozó EUB FBC and EUB FSE 37/72 Policy Conditions valamely egyéb körülmény nem áll fenn (pl. kizárások, mentesülések esetei), és az adott esemény(ek) a biztosítási szerződés területi hatályán belül következtek be. (7) A Biztosító teljesítésének feltételei: a szolgáltatási igény bejelentésekor a jelen általános feltételben és a különös feltételekben meghatározott iratok, dokumentumok benyújtása és információk szolgáltatása a jogalap elbírálásának feltétele, ezért ezek nélkül a Biztosító nem köteles a biztosítási szerződés szerinti szolgáltatás(oka)t nyújtani. (8) Biztosítási szerződés: a Biztosító és a Szerződő között létrejött csoportos biztosítási szerződés, melynek részét képezik a jelen biztosítási feltételek és a biztosító ügyféltájékoztatója. (9) Biztosítási összeg: a Szolgáltatás-táblázatban és a II. Különös Feltételekben az adott szolgáltatástípusra vonatkozóan meghatározott maximális összeg, amelyet a Biztosító a biztosítási esemény bekövetkezése esetén megfizetni vállal. A biztosító szolgáltatását kárbiztosítási szolgáltatásként (a biztosított kárának a szerződésben meghatározott módon és mértékben történő megtérítésével vagy a biztosított részére más szolgáltatás teljesítésével), vagy összegbiztosítási szolgáltatásként (a szerződésben meghatározott összeg megfizetésével) nyújtja. (10) Dologi kár: ha valamilyen tárgy megsérül, megsemmisül, vagy használhatatlanná válik. (11) EUB-Assistance: a Biztosító telefonon keresztül éjjel-nappal elérhető segítségnyújtó szolgálata, Tel.: (12) Extrém sport: autó-motorsport, búvárkodás légzőkészülékkel vagy légzőkészülék nélkül, sziklamászás, hegymászás, mesterséges fal-mászás, barlangászat, vadvízi evezés és rafting, hydrospeed, wakeboard, mountain-bike, down-hill kerékpározás, hegyi roller, mountain-board, triál- vagy BMX kerékpár használata, bungee jumping, bármilyen jellegű ejtő- és siklóernyő használata, base-jumping, paplanernyőzés, küzdősportok, motor nélküli légijárművel történő utazás (személyzet vagy utas minőségben egyaránt), motoros légijárművel történő utazás (személyzet vagy utas minőségben egyaránt) kivéve a személyszállításra vonatkozóan az előírt hatósági engedéllyel üzemelő menetrendszerinti légijáratokon utasként történő utazás, és menetrendben szereplő charter légijáraton történő utazás, lovaglás, valamint minden egyéb jelentős balesetveszéllyel járó sporttevékenység gyakorlása. (13) Fizikai munkavégzés: Olyan munkavégzés, amely jelentős fizikai erőkifejtést igényel illetve - pl. a munkavégzés helyszínéből vagy körülményeiből adódóan a szellemi jellegű irodai munkavégzés kockázatát lényegesen meghaladó balesetveszéllyel jár. Személygépjármű vezetése nem minősül fizikai munkavégzésnek. (14) Hiteles orvosi dokumentáció: A biztosítási esemény bekövetkezésének helyén működési engedéllyel rendelkező orvos (szükség esetén szakorvos) által kiállított orvosi szakvélemény. (15) Kizárás: A biztosító a kockázatviselésének köréből kizár az általános és különös feltételekben meghatározott eseményeket, amelyek jelen szerződési feltételek alapján nem minősülnek biztosítási eseménynek, azaz azokat nem fedezi jelen biztosítás. (16) Kórház: Az egészségügyi ellátás országában illetékes hatóság és szakmai felügyelet által elismert, engedélyezett fekvőbeteg ellátást nyújtó intézmény, amely állandó orvosi irányítás, felügyelet alatt áll. Jelen biztosítás szempontjából nem minősülnek kórháznak - még abban az esetben sem, ha azokban kórházi fekvőbeteg ellátást végeznek - a szanatóriumok, rehabilitációs intézetek, gyógyfürdők, gyógyüdülők, alkoholés kábítószer-elvonó intézmények, illetve kórházak fenti jellegű szolgáltatást nyújtó osztályai, feltéve, hogy a Biztosított az osztály jellegének megfelelő szolgáltatásban részesült. (17) Kórházi fekvőbeteg-gyógykezelésben részesül az a személy, aki az éjszakát is a kórházban tölti. A kórházi fekvőbeteg-gyógykezelés a kórházi ápolás első napjával kezdődik és annak utolsó napjáig tart. (18) Közeli hozzátartozó: Jelen feltételek alkalmazásában közeli hozzátartozó a házastárs, az élettárs, az egyeneságbeli rokon, az örökbefogadott, a mostoha- és nevelt gyermek, az örökbefogadó-, a mostoha- és a nevelőszülő, valamint a testvér. (19) Közlekedési baleset: A Biztosítottat ért, a bekövetkezés helyén illetékes rendőrség által jegyzőkönyvvel dokumentált, mozgó jármű haladásával, vagy megállásával összefüggésben bekövetkezett baleset abban az esetben, ha a Biztosított gyalogosként, jármű vezetőjeként, vagy utasaként szenved balesetet. A Biztosító eltérő fogalom-meghatározást alkalmaz a D) Poggyászbiztosítás vonatkozásában, amelyre az D) fejezetben meghatározottak irányadók. Nem minősül közlekedési balesetnek: (a) a gyalogost érő olyan baleset, amelynek bekövetkeztében semmilyen mozgó jármű nem hatott közre, (b) a jármű utasát ért olyan baleset, amely nem a jármű, vagy más jármű haladásával, illetve megállásával összefüggésben következett be. (20) Közlekedési költség: az a közlekedési többletköltség, amely a biztosítási eseménnyel összefüggésben rendkívüli kiadást jelent a Biztosított részére, így különösen ha egy adott tömegközlekedési eszközzel EUB FBC and EUB FSE 38/72 Policy Conditions

20 történő utazás csak a viteldíj újbóli megfizetésével vagy az eredeti menetjegy - többletköltséggel járó - átíratásával lehetséges, illetve ha - személygépjárművel történő utazás esetén - egy eredetileg nem tervezett utazás vagy az eredeti útvonal meghosszabbodása az üzemanyagra és útdíjakra vonatkozóan többletköltséget eredményez. A Biztosító térítése a következő közlekedési módok valamelyikére vonatkozhat: menetrendszerű vonat (2. osztály) vagy buszjegy vagy turista-osztályra szóló repülőjegy, vagy ezek átíratási költségei, vagy személyautó üzemanyagköltsége (számla alapján, de max. 10 l/100 km) és az útdíj jellegű költségek (pl. autópálya-matrica kizárólag az adott rendkívüli utazás időtartamára - számla alapján). (21) Lakóhely: a Biztosított Magyarország vagy valamely Magyarországgal szomszédos ország területén lévő állandó vagy ideiglenes lakóhelye, vagy olyan tartózkodási helye ahol a rendezvény időtartamán kívül igazolhatóan - lakik. (22) Online biztosításkötő rendszer: a szerződő által üzemeltett foglalási rendszer, amely alkalmas a csoportos biztosításhoz való csatlakoztatásra. (23) Orvos: Az adott gyógykezelés jellegéhez szükséges szaktudást igazoló humán orvosi diplomával rendelkező és az ellátás helyének hatósági előírásai szerint orvosnak minősülő személy, aki az adott típusú egészségügyi ellátás végzéséhez a szükséges az ellátás helyén illetékes hatóság és/vagy szakmai felügyelet által kiállított hatósági engedélyekkel rendelkezik és az ellátás helyén az orvosokra vonatkozó országos nyilvántartásban szerepel. A Biztosított vagy azon személy, akinek az egészségi állapotával összefüggésben következik be a biztosítási esemény hozzátartozója, vagy vele közös háztartásban élő személy a biztosítási feltételek szempontjából nem minősül orvosnak, abban az esetben sem, ha az előbbi feltételeknek megfelel. (24) Orvosi ellátás: Az orvos által végzett egészségügyi ellátás. (25) Orvosi szakvélemény: írásos orvosi dokumentáció, mely tartalmazza a diagnózist, az orvosi kezelés időpontját és részletes leírását, az elvégzett vizsgálatok leleteit (képalkotó vizsgálatok esetén azok leírását is), valamint az ellátó intézmények, orvosok egyértelmű megjelölését. (26) Sorozatkár: A sorozatkárok egy biztosítási eseménynek minősülnek. Jelen szerződés alkalmazása szempontjából sorozatkár az, ha egyazon biztosítotti károkozói magatartásból több kártérítési kötelezettség származik és az ok (a biztosított magatartása) és az okozatok közötti összefüggés fennáll. (27) Sürgősségi (orvosi) ellátás: az a hiteles orvosi szakvéleménnyel igazolt orvosi ellátás, amelyet az alábbi okok valamelyike miatt vesz igénybe az adott személy: (a) Ha az azonnali orvosi ellátás elmaradása előreláthatóan az adott személy életét, illetve testi épségét veszélyeztetné, vagy az adott személy egészségében, illetve testi épségében helyrehozhatatlan károsodást okozna, (b) Ha az adott személy betegségének tünetei (eszméletvesztés, vérzés, heveny fertőző megbetegedés, magas láz, hányás, stb.) alapján azonnali orvosi ellátásra szorul, (c) Ha az adott személy a biztosítás hatálya alatt hirtelen bekövetkezett súlyos egészségkárosodása miatt azonnali orvosi ellátásra szorul, (d) baleset folytán azonnali orvosi ellátásra szorul. (28) Szolgáltatás-táblázat: az I. Általános Feltételek 7.(3) pontja, amely termékenként az egyes szolgáltatásokra vonatkozóan meghatározott maximális biztosítási összegeket tartalmazza. (29) Szolgáltatás típus: a Szolgáltatás-táblázatban és a Különös feltételekben A), B), C), D), E betűvel jelölt különböző szolgáltatás-csoportok egyike. (09) Terrorcselekmény: olyan erőszakos, erőszakkal fenyegető, az emberi életre, a materiális, immateriális javakra vagy az infrastruktúrára veszélyes cselekmény, amely vagy politikai, vallási, ideológiai, etnikai célok mellett foglal állást vagy valamely kormány befolyásolására vagy a társadalomban, illetve annak egy részében való félelemkeltésre irányul, illetve arra alkalmas. (31) Szolgáltató: a Sziget Kulturális Menedzser Iroda Kft. (H-1033 Budapest, Hajógyári-sziget Hrsz.: 23796/58., továbbiakban: Sziget). (32) Rendezvényszolgáltatás: Rendezvényszolgáltatásnak minősül a Szolgáltató szervezésében megvalósuló rendezvény (továbbiakban: Rendezvény vagy Rendezvényszolgáltatás ), amelynek az időtartamára a biztosítás fedezetet nyújt és amelynek látogatása a Szolgáltató által kibocsátott érvényes jeggyel lehetséges. A Rendezvényszolgáltatás foglalása a jegy megvásárlásával történik meg. Jelen feltételek vonatkozásában nem minősül Rendezvényszolgáltatásnak az a szolgáltatás, amelynek az ellenértékét valamely utalvánnyal (pl. Erzsébet utalvány, utazási szolgáltató által kibocsátott utalvány) vagy valamely törzskártya vagy törzsügyfél-rendszerben elérhető juttatással (pl. gyűjtött pontok felhasználásával) egyenlítették ki. (33) Rendezvényszolgáltatási szerződés: a Rendezvényszolgáltatásra vonatkozóan a Sziget és a szolgáltatást igénybe vevő fél jogait és kötelezettségeit szabályozó a hatályos jogszabályoknak megfelelő írásos dokumentum, amely tartalmazza különösen a rendezvény időpontját és főbb jellemzőit, valamint a szerződő feleket szerződés-módosítás, illetve - lemondás esetén terhelő kötelezettségeket. (34) Biztosítási voucher: a Biztosítottra vonatkozó biztosítási fedezet fennállását igazoló és a biztosítás főbb jellemzőit tartalmazó elektronikus úton hozzáférhetővé tett, nyomtatható igazolás. 2. A biztosítási szerződés alanyai (1) A Biztosító: az Európai Utazási Biztosító Zrt., az a jogi személy, amely a biztosítási díj ellenében a biztosítási kockázatot viseli és a jogalap fennállása esetén a Szolgáltatás-táblázatban, valamint a különös feltételekben meghatározott szolgáltatások teljesítésére kötelezettséget vállal. (2) A Szerződő: a Sziget Kulturális Menedzser Iroda Kft. (H-1033 Budapest, Hajógyári-sziget Hrsz.: 23796/58., továbbiakban: Sziget) aki az I.2.(3) pontban meghatározott Biztosított személyekre vonatkozóan a csoportos Biztosítási Szerződést megköti és a biztosítás díját megfizeti. (3) Biztosított: az a MEEX Sziget Diákkedvezményre jogosult természetes személy, akire jelen csoportos biztosítási szerződés fedezete kiterjed és akinek, az életével, egészségi állapotával, a rendezvény tartama alatt végzett tevékenységeivel kapcsolatos eseményekre a szerződés létrejön, feltéve, hogy az adott személy: (a) lakóhelye Magyarországon vagy valamely Magyarországgal határos ország területén van és ott érvényes kötelező egészségbiztosítással (társadalombiztosítással) vagy teljeskörű orvosi ellátásra kiterjedő magán-egészségbiztosítással rendelkezik vagy az egészségügyi ellátásra jogosult. (4) A biztosító szolgáltatására jogosult: - kárbiztosítás esetén a Biztosított, - összegbiztosítás esetén a Kedvezményezett. Kizárólag a II. C) Balesetbiztosítás vonatkozásában a Biztosított a kedvezményezettet a biztosítóhoz címzett és a biztosítónak eljuttatott írásbeli nyilatkozattal jelölheti ki. A Biztosított életében esedékes Balesetbiztosítási szolgáltatások Kedvezményezettje a Biztosított, ha a szerződésben más Kedvezményezettet nem neveztek meg. A Biztosított halála esetén a Balesetbiztosítási szolgáltatások Kedvezményezettje a Biztosított örököse, ha a szerződésben más Kedvezményezettet nem neveztek meg, vagy ha a Kedvezményezett jelölése hatályát vesztette, illetve érvénytelen. 3. Csatlakozás a csoportos biztosításhoz (1) A Biztosítottak csatlakozása a biztosítási szerződéshez a Rendezvényszolgáltatási szerződés megkötésével, azaz a MEEX Sziget Diákkedvezményes jegy megvásárlásával történik. (2) A biztosított személy a biztosítási szerződésbe szerződőként nem léphet be. 4. A kockázatviselés (1) A biztosító kockázatviselése az egyes biztosítottak vonatkozásában a biztosítási voucher-en az utasbiztosítás kezdeteként megjelölt napon kezdődik meg és az utasbiztosítás lejárataként megjelölt nap 24. órájáig tart. (2) A kockázatviselés kezdetének legkésőbbi időpontja a biztosítási szerződéshez való csatlakozástól számított legfeljebb 365. nap lehet. (3) A biztosító kockázatviselése adott Biztosított vonatkozásában megszűnik a Biztosított halála esetén. 5. A biztosítás területi hatálya A biztosítási szerződés hatálya Magyarország területére terjed ki. 6. A biztosítási díj A biztosítási díj a Biztosító kockázatviselésének ellenértéke. A biztosítási díj mértékét a csoportos biztosítási szerződés tartalmazza. A Szerződő a Biztosító részére a biztosító kockázatviselésének ellenértékeként fizetendő biztosítási díjat áthárítja a Biztosítottra. A csoportos biztosítási szerződéshez történő csatlakozást követően díjvisszatérítés nem lehetséges. EUB FBC and EUB FSE 39/72 Policy Conditions EUB FBC and EUB FSE 40/72 Policy Conditions