Swimrun-Athletes-Insurance Program 2021

- CG Accident Insurance Terms and Conditions - Conditions for the CG Travel Cancellation Costs & Curtailment Insurance - CG Personal Liability Insurance on Trips

(CG Swimrun 2021)

This English translation may be used for information purpose only, the German wording prevails in case of litigation.

Introduction The CG Swimrun T&C’s 2021 are based on the law governing insurance contracts (VVG) which was reformed as of 01.01.2008 and essentially on the following which are recommended by the German Insurance Association – GDV – . General Accident Insurance Terms and Conditions (AUB 2007) . Supplementary conditions for the group accident insurance . Special conditions for the group accident insurance with direct claim of the insured person as well as on . the acceptance directives of CG (age clause, accumulation, excluded professions) . the general contractual information which is to be provided according to § 7 VVG (Information of the policy holder) in conjunction with the VVG Information duties regulations (VVG InfoV) . the information leaflet concerning data processing and were summarised and extended for customers of CG. Should the contract be based on further, e.g. supplementary or special terms and conditions, this can be seen from your insurance contract. You as insurance policy holder are our contractual partner. The insured persons and / or groups of persons can be seen from the insurance policy. We as insurer provide the benefits which are agreed as per contract.

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List of contents

The scope of insurance General contractual information 1 What is insured? 15 Information concerning the insurer 2 Which types of benefits can be agreed? 16 Information concerning the insured benefits 2.1 Disability benefit 17 Information concerning the contract 2.2 Accidental Death benefit 18 Information concerning legal action Additional benefits 19 Who is responsible for your complaints? 19.1 Ombudsman 2.3 Rescue costs 19.2 Supervisory authority 2.4 Patient transport costs 2.5 Medical costs in case of stays abroad Information leaflet concerning data 2.6 Cosmetic surgery processing 3 Which implications do illnesses or infirmities 20 Preamble have? 21 Declaration of consent 4 In which cases is the insurance cover 22 Declaration for release from oath of excluded? secrecy 5 What do you have to observe in case of 23 Further information and explanations about group accident insurances? your rights 6 How are the sums insured reduced when the insured person attains the age of 75? Special Conditions of Insurance The insured event Part 1 7 What is to be observed after an accident (obligations)? Conditions for the CG Travel Cancellation Costs & 8 Which consequences does the non- Curtailment Insurance (CG Travel Cancellation observance of obligations have? Conditions of Insurance) 9 When are the benefits due and payable? Scope of the insurance The term of insurance 1 What is insured? 2 For what events does insurance cover 10 When does the contract begin and when exist? (Insured events) does it end? When is the insurance cover 3 What benefits are provided up to what suspended in case of military assignments? amount? The insurance premium 4 When is there no insurance cover? 11 What do you have to observe when paying (Exclusions) the premium? What happens if you do not The insured event pay a premium in time? 5 What must be done if an insured event Further provisions occurs (obligations)? 12 How are the legal relationships of the Part 2 persons involved in the contract to each Conditions for the CG Personal Liability Insurance other? on Business Trips (CG Travel Personal Liability 13 What does the pre-contractual reporting Insurance) duty mean? 1 What is insured? 14 What is to be observed in case of 2 What is covered? notifications to us? What applies with a 3 What benefits are provided up to what change in your address? amount? 4 When is there no insurance cover? (Exclusions) 5 What must be done if an insured event occurs? (Obligations)

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The scope of insurance 2. Which types of benefits are agreed? 1. What is insured? The types of benefits covered are described below or in additional terms 1.1. We offer insurance cover in case of and conditions. accidents, which the insured person suffers The types of benefits agreed by you with us and the sums insured can be  during the validity of the contract; derived from the insurance contract.  for the insured persons named in the insurance contract; 2.1. Disability benefit

 during the participation of in the 2.1.1. Pre-requisites for the benefit: Confirmation of Cover named events 2.1.1.1. The physical or mental ability of the 1.2. Insofar as not otherwise agreed the insured person is impaired following applies: permanently due to an accident 1.2.1. The insurance cover (disability).  includes accidents all over the world An impairment is deemed permanent  applies 24 hours a day if it is expected to last for longer than three years and no change in the 1.3. It is deemed an accident if the insured condition can be expected. person involuntarily suffers a health impairment due to an external event The disability has which is suddenly effecting his body  occurred within 18 months after the (accident event). accident and 1.4. It is also regarded as an accident  is determined by a doctor in a text form within 21 months after the 1.4.1. if through an excessive exertion on accident and has been claimed by limbs or spinal column you from us by submitting a medical  a joint is dislocated or certificate.  muscles, tendons, ligaments or 2.1.1.2. No entitlement of disability benefit exists capsules are strained or disrupted; if the insured person dies due to the  Furthermore also the consequenses accident within one year after the of heatstroke, sunstroke and frostbite accident. are regarded as an accident 2.1.2. Type and amount of the benefit: 1.4.2. death through drowning or suffocation under water as well as 2.1.2.1. We pay the disability benefit as a typical health impairments through capital amount. diving (Caisson illness, barotrauma), 2.1.2.2. The sum insured and the degree of even if no accident has occurred. disability due to the accident form the 1.4.3. if the insured person suffers damage basis for calculating the benefit. to health in the course of lawful defence or during efforts to rescue human life, animals or property. 1.4.4. if the insured person suffers demage to health caused by the gradual effect of gases and vapours. Health damage classified as occupational or indutrial diseases are excluded. 1.5. We refer to the regulations concerning the restrictions to the benefit (Subclause 3, 5.2 and 6) and the exclusions (Subclause 4). They apply to all types of benefits.

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2.1.2.2.1. The following degrees of disability shall If the accident caused the full loss of apply exclusively in case of loss or full the hearing or the eyesight, a functional incapacity of the body previously existing permanent parts and sense organs mentioned impairment will not be deducted with below: the percentage with which the impairment was remedied through Arm 70% acoustic or optical aids (hearing aids, Arm above elbow joint 65% glasses, lenses). Arm below elbow joint 60% Hand 40% 2.1.2.2.4. If several body parts or sense organs Thumb 12% are impaired through the accident, the degrees of disability determined Index finger 8% according to the afore-mentioned Other fingers 5% provisions will be added. However, Leg above mid of femoral 70% more than 100 per cent will not be Leg until mid of femoral 60% taken into account. Leg below knee 50% 2.1.2.3. If the insured person dies Leg up to mid of lower leg 45%  from a cause not relating to the Foot 40% accident within one year after the Large toe 5% accident or Other toes 2%  no matter for which cause, later than Eye 40% one year after the accident, insofar however as the vision of the other and if an entitlement for disability eye had been lost before the accident benefit has incurred, we shall pay already 60% according to the degree of disability Hearing on one ear 20% which could have been expected insofar however as the hearing of based on the medical findings. the ear had been lost before the accident already 40% 2.2. Accidental Death benefit Sense of smell 10% 2.2.1. Pre-requisites for the benefit: Sense of taste 10% The insured person died within 15 Voice 25% months as a result of the accident. In case of partial loss or partial We refer to the special duties impairment of function the according to Subclause 7.5. corresponding part of the respective percentage shall apply. 2.2.2. Amount of the benefit:

2.1.2.2.2. For other body parts and sense organs The benefit in the event of death is the degree of disability shall be paid in the amount of the agreed sum assessed according to what extent insured. the normal physical or mental ability is impaired on the whole. Exclusively medical aspects are to be taken into account in this case.

2.1.2.2.3. If affected body parts or sense organs or their functions were permanently impaired before the accident already, the degree of disability is reduced by the previous disability. This previous disability is to be assessed according to Subclause 2.1.2.2.1 and Subclause 2.1.2.2.2.

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Additional benefits 2.4.2.1. the medically prescribed transport of the injured person to the nearest The following applies to all additional benefits: suitable hospital or to a special clinic; If several accident insurances exist for the 2.4.2.2. medically advisable relocation insured person at CG, these benefits can only transports from hospital to hospital, be requested from one of these contracts. e.g. to the hospital near the home location; 2.3. Rescue costs 2.4.2.3. medically advisable return transports 2.3.1. Pre-requisites for the benefit: from abroad to the nearest suitable 2.3.1.1. The insured person has suffered an hospital in the vicinity of the place of accident or there was a threat of an residence of the insured person with a accident or an accident could be medically suitable means of transport presumed according to the concrete (ambulance vehicle or aircraft); the circumstances. decision whether the insured person is transported by land or in an aircraft is The insured person was incurred made by the doctor commissioned by necessary costs for their rescue, the assistant by coordination with the salvage or the search for him/her. attending doctor; 2.3.1.2. A third party (e.g. another insurer) 2.4.2.4. the additional costs with the return of  is not obliged to payment or the injured person to their place of  disputes its payment obligation or residence insofar as the additional  provided its payment however this costs are due to a doctor’s order or was not sufficient for settling the were unavoidable according to the costs. type of the injury; 2.3.2. Type and amount of the benefit: 2.4.2.5. the additional costs with the journey home or for additional We reimburse costs up to the amount accommodation for co-travelling stated in the insurance policy for minor children and the co-travelling 2.3.2.1. search, rescue or salvage assignments partner of the insured person with an of rescue services organised under accident abroad; public law or private law insofar as 2.4.2.6. the standard transfer to the last fees are usually charged for these constant place of residence in the services; event of death due to an accident or 2.3.2.2. a necessary stay in a decompression alternatively the burial overseas up to chamber insofar as this was necessary the same amount in case of an after a dive. accident abroad. 2.4. Patient transport costs 2.5. Medical costs in case of stays abroad 2.4.1. Pre-requisites for the benefit: 2.5.1. Pre-requisites for the benefit: 2.4.1.1. The insured person has incurred The insured person suffered an necessary costs for their transport as a accident during a stay abroad result of the accident. (outside their home country) and during the participation of an insured 2.4.1.2. A third party (e.g. another insurer) event mentioned in the Confirmation  is not obliged to payment or of Cover including arrival and  disputes its payment obligation or departure as per operative time of this  made its payment however this was policy. not sufficient for settling the costs. Medical costs were incurred to the 2.4.2. Type and amount of the benefit: insured person for remedying the consequences of the accident which We reimburse costs up to the amount were not reimbursed through their stated in the insurance policy for private health insurance or health insurance under public law.

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2.5.2. Type and amount of the benefit: 3. Which implications do illnesses or infirmities have? We shall reimburse in total up to the amount of the agreed sum insured for As an accident insurer we pay for the proven: consequences of accidents. If illnesses or infirmities contributed to the health  medical fees impairment or its consequences which  other surgery costs were caused by an accident event  necessary costs for accommodation and board in hospitals  in the event of disability the  medicines percentage of the degree of  prostheses disability is reduced,  bandages  in the event of death and, insofar as  deductible per claim € 50,- not otherwise determined, in all other cases the benefit is reduced 2.6. Cosmetic surgery in line with the share of the illness or 2.6.1. Pre-requisites for the benefit: the infirmity. 2.6.1.1. The insured person has undergone If the contribution share is less than 40 cosmetic surgery after an accident per cent, however there will be no which falls under the contract. reduction. Deemed as cosmetic surgery is 4. In which cases is the insurance cover medical treatment which is carried excluded? out after completion of the curative treatment with the aim to correct an 4.1. No insurance cover exists for the impairment of the external following accidents: appearance of the insured person 4.1.1. Accidents of the insured person caused by the accident. through mental disorders or impaired 2.6.1.2. The cosmetic surgery is carried out consciousness, also if caused by within three years after the accident, drunkenness or abuse of drugs, as well in case of accidents of minors by no as through strokes, epileptic fits or later than before they attain the age other convulsions, which affect the of 21. whole body of the insured person. 2.6.1.3. A third party (e.g. another insurer) Insurance cover exists however, if these disorders or convulsions were  is not obliged to payment or caused through an accident event  disputes its payment obligation or which falls under this contract;  provided its payment however this was not sufficient for settling the 4.1.2. Accidents which the insured person costs. suffers due to the fact that he/she wilfully commits or attemps to commit 2.6.2. Type and amount of the benefit: a criminal offence. We shall reimburse in total up to the 4.1.3. Accidents which were caused directly amount of the agreed sum insured or indirectly through acts of war or civil proven war.  doctor’s fees Insurance cover exists however if the  other surgery costs insured person is affected by surprise  necessary costs for accommodation by a war or civil war on a trip abroad. and meals in hospital  dental treatment and dental This cover ends at the end of the 7th prosthesis costs, which were incurred day of the commencement of a war through a loss or partial loss of incisors or civil war on the territory of the and canine teeth due to an country where the insured person accident. stays. The extension does not apply for trips into or through countries where a war or civil war already exists. It does also

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not apply for the active participation 4.2.4. Infections. in a war or civil war and accidents in 4.2.4.1. They are also excluded if they were connection with a war or situation caused similar to a war between the countries China, Germany, France, Great  through insect stings or bites or Britain, Japan, Russia or USA.  through other slight injuries to the skin or the mucous membranes 4.1.4. Accidents of the insured person through which pathogens entered the  as aircraft pilot (also air sport body immediately or later. machine operator) insofar as he/she requires a permit for this according to 4.2.4.2. Insurance cover exists however for German law and as other crew  rabies and tetanus, member of an aircraft;  infections, in which the pathogens  with a professional activity which is to entered the body through accident be performing using an aircraft; injuries, which are not excluded  with the use of spacecraft; according to Subclause 4.2.4.1,  as artist, stuntman, animal tamer;  if the insured person be infected with  as person working in a mine; Tick Borne Encephalitis (TBE) or Lyme  as explosives and disposal personnel Disease (Borreliosis) suffered by a tick as well as ammunition search troops; bite.  as professional diver. 4.2.4.3. Subclause 4.2.3 Sentence 2 shall apply 4.1.5. Accidents which the insured person accordingly to infections which have suffers as a driver, co-driver or been caused through remedial passenger of a motor vehicle being measures or interventions. engaged in driving events including the relevant training in which it 4.2.5. Poisoning as a result of the intake of depends on the achievement of solid or liquid substances through the maximum speeds. gullet. 4.1.6. Accidents which have been caused Insurance exists however for children directly or indirectly through nuclear which at the time of the accident energy. have not yet attained the age of 10. 4.2. Excluded are also the following 4.2.6. Abnormal disorders as a result of impairments: mental reactions which are not directly and causal due to an organic 4.2.1. Damages to intervertebral discs and injury/an organic damage even if bleeding from internal organs and these were caused by an accident. cerebral haemorrhages. Insurance cover exists however if an 4.2.7. Abdominal or lower abdominal accident event which falls under this hernias. contract is the main cause according However, insurance protection does to Subclause 1.3. exist if these occurred due to a violent external effect, which is covered by 4.2.2. Health impairments through rays. this contract. 4.2.3. Health impairments through remedial 4.3. Sanction clause measures or interventions to the body of the insured person. Without prejudice to the other contractual provisions, insurance Insurance cover exists however, cover shall only exist insofar and as  If the remedial measures or long as no economic, commercial or interventions, also radiation financial sanctions or embargos of the diagnostic and therapeutic were European Union or the Federal initiated through an accident which Republic of Germany directly falls under this contract, applicable to the contracting parties  for violent interventions by third conflict with this. parties.

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This shall also apply to economic, The sums insured agreed for the commercial or financial sanctions or individual insured persons shall in this embargos imposed by the United case be reduced according to the States of America with respect to Iran, ratio of the individual sums insured to unless contrary to European or the total damages of all affected German law. persons with regard to the joint maximum sum insured.In case there is 4.4. Exclusion of deliberate Cyber Acts the possibility that the joint maximum Any benefits for bodily injury caused sum insured could be exceeded the by a deliberate, unauthorized, insurance benefit shall only be due for malicious or criminal act caused by each insured person when the an application, software or program necessary investigations have been associated with an electronic device completed in total with regard to the (e.g. computer, laptop, smartphone, event mentioned in Sentence 1. tablet or internet-capable electronic 6. How are the sums insured reduced device) are not covered under this when the insured person attains the policy. age of 75? 5. What do you have to observe in case 6.1.1. Insurance cover exists with the agreed of group accident insurances? sums insured until the expiry of the 5.1. Designation of the insured persons insurance year in which the insured person attains the age of 75. After this The group accident insurance is you have the following option: concluded with stating the names of the insured persons.  You will pay the previous premium and we reduce the agreed sums 5.1.1. Insurances with details of names insured to 50 per cent or 5.1.1.1. Insurance cover exists for the persons  You submit us a medical certificate mentioned by name. concerning the health condition of the insured person and we will 5.1.1.2. You can register non-insured persons calculate the new sums insured and for the insurance at all times provided a corresponding higher premium. the insured person is registred for the insured event(s). Insurance cover shall 6.1.2. If an agreement is not reached about exist for the persons who are added to new sums insured and premiums by no the schedule for for the agreed scope later than two months after begin of of cover from receipt of your the new insurance year the contract registration by us. will be automatically continued with sums insured which are reduced by 50 5.1.1.3. Persons in other professions or with per cent. other employment or with higher sums insured are only insured after you This change will not be documented. have reached an agreement with us In an insured event the age of the about sums insured and premium. insured person will be determined and the benefit paid accordingly. 5.2. Total maximum sum insured (accumulation) If several persons insured through a group accident insurance contract are injured or killed through an event which is directly connected in terms of time and space then €15,000,000 shall be deemed as joint maximum sum insured for all affected insured persons together.

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The insured event 7.6. Further deadlines are in part to be observed still with the individual types 7. What is to be observed after an of benefit, which however do not accident (obligations)? concern obligations, but pre-requisites for claims. We cannot pay the benefit without your assistance and/or the assistance 8. Which consequences does the non- of the insured person. observance of obligations have? 7.1. After an accident which will probably If an obligation according to result in the duty of performance, you Subclause 7 is breached wilfully you or the insured person must will lose your insurance cover. In case immediately of the grossly negligent breach of a obligation we are entitled to reduce  consult a doctor, our benefit in a ratio which  follow his orders and corresponds with the serious of your  inform the insurer. fault. Both shall only apply if we have 7.2. You or the insured person must informed you of these legal complete the claim form sent by us consequences through a separate truthfully and return it to us notification in a text form. immediately. Relevant additional If you can prove that you have not information requested by us has be breached the obligation through provided in the same manner. gross negligence the insurance cover 7.3. If doctors are instructed by the insurer, shall continue to exist. the insured person must also be The insurance cover shall also examined by such doctors. We shall continue to exist if you prove that the bear the necessary costs including a breach of the obligation was not the loss of earnings caused thereby. cause either for the occurrence or the 7.4. Doctors, who have treated or determination of the insured event or examined the insured person (also for for the determination or the scope of other reasons), hospitals and other the benefit. This shall not apply if you health institutions, other person maliciously breached the obligation. insurers, statutory health insurances, These provisions shall apply trade associations and authorities are irrespective of whether we exercise a to be authorized to provide all right of termination to which we are information which is necessary for entitled owing to the breach of a pre- assessing the payment obligation. contractual reporting obligation. We shall inform you about the collection of personal health data if 9. When are the benefits due and we have your consent before the payable? insured event already. You can object 9.1. We are obliged to declare within one to a collection; this can however lead month –in case of an disability claim to a loss of your payment claims. within three months - in a text form Your can request at all times that data whether and to what extent we are only collected if consent has recognise a claim. The deadlines shal respectively been given for the begin with the receipt of the following individual collection. documents: 7.5. If the accident results in death, this  Proof of the course of the accident must be reported to the insurer within and the consequences of the 48 hours after gaining knowledge accident, thereof, even if the accident has  In case of an disability claim already been reported to us. additionally the proof of the completion of the remedial We are to be granted the right to proceedings insofar as necessary for have an autopsy carried out if assessing the disability; applicable by a doctor commissioned by us.

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We shall assume the doctor’s fees, Your declaration to intend to exercise which are incurred to you for the right should therefore be substantiating the payment claim submitted to us as far as possible three insofar as we commissioned the months after our declaration about expert‘s opinion. We shall not assume our payment obligation according to other costs. Subclause 9.1, however must be available to us by no later than three 9.2. If we recognise the claim or if we months before expiry of the deadline have reached an agreement with you according to Subclause 9.4.2. about the reason and amount we shall pay the benefit within two weeks. 9.5. If the final assessment of the degree of disability shows a higher payment for 9.3. Advance payments for an disability the disability benefit according to benefit Subclause 2.1 than we have already It shall apply to the disability benefit made interest shall be paid annually according to Subclause 2.1: on the additional amount with 5 percentage points above the base If the payment obligation is initially lending rate of the ECB. only determined in respective of the reasons we shall pay – at your request 10. When does the contract begin and – reasonable advance payments. when does it end? When is the insurance cover Before completion of the remedial suspended in case of military proceedings an disability benefit can assignments? only be claimed up to the amount of an agreed amount for the event of 10.1. Begin of the insurance cover death within one year after the The insurance cover shall begin at the accident. time stated in the insurance policy if 9.4. New assessment of the disability you pay the first or one-time amount immediately after the due date within 9.4.1. You and we are entitled to have the the meaning of Subclause 11.2. degree of the disability assessed by a doctor once again annually. 10.2. Term and end of the contract 9.4.2. The right stated in Subclause 9.4.1 shall 10.2.1. The following shall apply to all apply up to three years, for children contracts: until they attain the age of 14 The contract is concluded for the however up to five years after the period of time stated in the insurance accident. policy. 9.4.3. The right stated in Subclause 9.4.1 In case of a contractual term of at must be exercised least one year the contract is  by us together with our declaration extended by respectively one year if concerning our payment obligation no termination has been received by according to Subclause 9.1, you or us by no later than three  by you before expiry of the deadline. months before the expiry of the respective insurance year. 9.4.4. In order to be able to carry out your right for new assessment of the In case of contractual term of less disability according to Subclause 9.4.1 than one year the contract shall end, in time according to Subclause 9.4.2 without this requiring a termination, at and 9.4.3 you must give us the the envisaged time. opportunity to commission a doctor With a contractual term of more than with examining the insured person in three years the contract can be time before expiry of the deadline. terminated already as of the expiry of the third year or each following year; the termination must have been received by you or us by no later than three months before the expiry of the respective insurance year.

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10.2.2. The following applies to group 10.4. Suspension of the insurance cover in accident insurances: case of military assignments 10.2.2.1. The insurance contract shall end if the The insurance cover shall cease to operation is suspended or the apply for the insured person as soon association is dissolved. A transfer of as he serves in a military or similar operation is not a suspension of the formation, which takes part in a war or operation. war-like assignment between the countries of China, Germany, France, 10.2.2.2. We are entitled to terminate the Great Britain, Japan, Russia or USA. insurance relationship with a period of The insurance cover shall be effective notice of one month if insolvency again as soon as we have received proceedings are opened over your your notification about the assets or the opening of such termination of the service. proceedings is rejected return unsatisfied. 10.2.2.3. We refer to Subclause 5.1.1.3- end of the insurance cover for persons in the group accident insurance. 10.3. Termination after insured event You or we can end the contract through termination if we have made a payment or you have filed an action against us for a payment. The termination must have been received by you or us in a text form by no later than one month after the payment or – in the event of a lawsuit – after the withdrawal of the action, acknowledgement, settlement or final declaration of the judgement. We can terminate the insurance cover of an individual insured person in the group accident insurance under the same pre-requisites and with the same deadlines. If you terminate, your termination will become effective immediately after we have received it. You can however determine that the termination will become effective at a later time, by no later however than as of the end of the current insurance period. A termination by us will become effective one month after its receipt by you.

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The insurance premium If the due premium cannot be collected, because you revoked the 11. What do you have to observe when direct debit (SEPA) mandate or if you paying the premium? are responsible for other reasons that What happens if you do not pay a the premium repeatedly cannot be premium in time? collected we shall be entitled to request payment outside of the direct 11.1. Premium and insurance tax debit (SEPA) procedure in future. You The invoiced premium includes the are only obliged to send the premium insurance tax, which you have to pay if you have been requested to do this in the respective amount as by us in a text form. determined by law. 11.4. Payment of premium to your 11.2. Payment and consequences of insurance agent delayed payment/ first or one-time The insurance agent named in the premium insurance policy is entitled to assume 11.2.1. Due date of the payment obligation for collecting your premiums on our behalf and The first or one-time premium shall be undertakes to forward these to us. due and payable immediately after expiry of two weeks after receipt of The payment of the premiums to the the insurance policy. insurance agent named in the insurance policy shall be deemed 11.2.2. Later commencement of the equivalent to the payment to us. insurance cover Further provisions If you do not pay the first or one-time premium in time, but at a later point in time, the insurance cover shall only 12. How are the legal relationships of the begin from this time. This shall not persons involved in the contract to apply if you prove that you are not each other? responsible for the non-payment. 12.1. If the insurance has been taken out 11.2.3. Cancellation against accidents which are suffered by another person (third party If you do not pay the first or one-time insurance) the following shall apply: premium in time we can cancel the contract as long as the premium has 12.1.1. The insured person can assert benefits not been paid. We cannot cancel the from the accident insurance directly contract if you prove that you are not with our company without your responsible for the non-payment. consent. We shall make the payment directly to the insured person. 11.3. Timely nature of the payment in case of direct debit (SEPA) mandate 12.1.2. You as insurance policy holder shall inform each insured person about the If the collection of the premium from insurance cover which exists within the an account has been agreed the framework of this contract and about payment shall be deemed on time if the right of the insured person the premium can be collected on the according to Subclause 12.1.1. due date and you do not object to a justified collection. 12.1.3. Not the insured person is entitled to exercise other rights from the If the due premium could not be contract, but only you are entitled. collected by us or your insurance agent without this being your fault the 12.1.4. Besides the insured person you are payment shall also then be deemed responsible for satisfying the in time still if it is made immediately obligations. after our payment request which is 12.2. All provisions, which apply to you, are submitted in a text form. to be applied accordingly to your legal successsors and other claimants.

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12.3. The insurance claims can neither be We must assert our right of assignned nor pledged before due cancellation within one month in date without our consent. writing. We must state the circumstances here upon which we 13. What does the pre-contractual support our declaration. We may also reporting duty mean? subsequently state further 13.1. Completeness and accuracy of circumstances within the monthly details about circumstances which deadline in order to substantiate our are relevant for the risks declaration. You must inform us of all The deadline shall begin at the time at circumstances which are relevant for which we gain knowledge of the the risks of which you are aware until breach of the reporting duty, which your contractual declaration is substantiates our right of cancellation. submitted, which we requested from The cancellation shall be carried out you in a text form and which are through a declaration towards you. relevant for our decision to conclude the contract with the agreed 13.2.2. Exclusion of the right of cancellation contents. You are also insofar obliged We cannot refer to our right of to make a report to the extent that we cancellation if we were aware of the ask questions in a text form after your circumstance which is relevant to the contractual declarations, however risk, which was not reported, or the before our acceptance of the inaccuracy of the report. contract within the meaning of Sentence 1. We shall not have any right of cancellation if you prove that you or Those circumstances are relevant for your representative did not provide the risks which are suitable for the incorrect or incomplete exercising an influence on our information either wilfully or gross decision to conclude the contract at negligently. all or with the agreed contents. Our right of cancellation owing to If another person is to be insured he grossly negligent breach of the shall be responsible in addition to you reporting duty shall not exist if you for the truthful and full report of the prove that we would also have circumstances which are relevant for concluded the contract with the the risks and for answering the knowledge of the circumstances questions you were asked. which were not reported, even if at If the contract is concluded by your other conditions. representative and if he is aware of 13.2.3. Consequences of the cancellation the circumstance which is relevant for the risk you must allow yourself to be No insurance cover exists in the event treated as if you had knowledge of the cancellation. thereof yourself or maliciously failed to If we cancel the contract after the disclose this. occurrence of the insured event we 13.2. Cancellation may not refuse the insurance cover if you prove that the incomplete or 13.2.1. Pre-requisites and exercising the right incorrectly reported circumstance of cancellation was not the cause either of the Incomplete and incorrect information occurrence of the insured event or for concerning the circumstances which the determination of or the scope of are relevant for the risk entitle us to the benefit. cancel the insurance contract. However, no insurance cover exists in This shall only apply if we have this case either if you maliciously informed you about the breached the reporting duty. consequences of a breach of the reporting duty through a separate notification in a text form.

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This shall only apply if we informed you We shall be entitled to the part of the about the consequences of a breach premium which corresponds with the of the reporting duty through a contractual term which passed until separate notification in a text form. the cancellation declaration has become effective. We must assert the adjustment to the contract in writing within one month. 13.3. Termination or retrospective We must state hereby the adjustment to the contract circumstances upon which we 13.3.1. If our right of cancellation is excluded, support our declaration. We may also because your breach of a reporting subsequenttly state further duty was not due either to wilful intent, circumstances within the monthly or gross negligence, we can deadline in order to substantiate our terminate the insurance contract in a declaration. text form by observing a period of The deadline shall begin at the time, notice of one month. at which we gain knowledge of the This shall only apply if we informed you breach of the reporting duty, which through a separate notification in a entitles us to adjust the contract. text form about the consequences of We cannot refer to an adjustment to a breach of the reporting duty. the contract if we were aware of the We must state the circumstances circumstances relevant to the risk hereby upon which we support our which was not reported or the declaration. We may also inaccuracy of the report. subsequently state further If the premium is increased by more circumstances within the monthly than 10 per cent through the deadline in order to substantiate our adjustment to the contract or if we declaration exclude the cover for the risk for the The deadline shall begin at the time, circumstance which was not at which we gained knowledge of the reported, you can terminate the breach of your reporting duty. contract in a text form without notice within one month after receipt of our We can not refer to our right of notificaiton. termination owing to the breach of a reporting duty if we were aware of the 13.4. Contestation circumstance which is relevant for the Our right to contest the contract risk and which was not reported or the owing to malicious deceit remains inaccuracy of the report. unaffected. In the event of the The right of termination is also contestation we shall be entitled to excluded if you prove that we would the part of the premium which also have concluded the contract corresponds with the contractual term with the knowledge of the which has passed until the circumstances which were not contestation declaration become reported, even if at other conditions. effective. 13.3.2. If we cannot cancel or terminate, because we would also have concluded the contract with knowledge of the circumstances which were not reported, however at other conditions, the other conditions shall retrospectively become a part of the contract at our request. If you are not responsible for the breach of duty the other conditions shall become part of the contract from the current insurance period.

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14. What is to be observed in case of notifications to us? What applies with a change in your address? 14.1. All reports and declarations which are intended for us should be directed at  our administrative headquarters / head office or  to your insurance agent. 14.2. If you have not informed us or your insurance agent of a change in your address it is sufficient for a declaration of intent, which is to be submitted towards you, to send a registered letter to the address last known to us. The declaration shall be deemed as received three days after the letter is sent. This shall apply accordingly for the event of a change in your name.

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General Contract Information 16. Information concerning the Underwriting Agent 15. Information concerning the insurer 16.1. Adress 15.1. Adress Cooper Gay S.A. Lloyd’s of London German Branch German Branch St Martin Tower Syndicate 510 Franklinstraße 61-63 Taunusanlage 11 60486 Frankfurt am Main 60329 Frankfurt am Main, Germany Germany

HRA Frankfurt am Main 26467 HRB Frankfurt am Main 88817 15.2. The headquarters of the company 16.2. The headquarters of the company The headquarters of the company is The headquarters of the company is London, United Kingdom. Liege, Belgium. 15.3. Legal form 16.3. Legal form Association of Underwriters. Société Anonyme (S.A.), according to Belgish law. 15.4. Legal representative 16.4. Legal representative The legal representative of Lloyd’s of London is Jan Blumenthal. The legal representative of CG Europe S.A. is Managing Director Frédéric 15.5. Main business activity Chappaz, Liege. The Lloyd's of London underwriters 16.5. Main business activity transact primary insurance and reinsurance business both in the area The CG underwriters transact primary of non-life insurance. insurance and reinsurance business both in the area of non-life insurance 15.6. Responsible supervisory authority and life assurance. The Financial Conduct Authority 16.6. Responsible supervisory authority (FCA), 25 The North Colonnade, Canary Wharf, London E14 5HS, Cooper Gay S.A. is subject to the Vereinigtes Königreich supervision of the Belgish Financial Authority (FSMA), Rue du Congrès 12- The Prudential Regulation Authority 14, 1000 Brussels, www.fsma.be. (PRA), 20 Moorgate, London EC2R 6DA, Vereinigtes Königreich 17. Information on the insured benefits Authorised by The Prudential 17.1. Main features / legal basis Regulation Authority (PRA), 20 17.1.1. The basis of the insurance contract Moorgate, London, EC2R 6DA, consists of your application (where Vereinigtes Königreich available), these conditions incorporating our tariff provisions, the certificate of insurance and the Insurance Contract Act as amended. 17.1.2. This insurance policy insures you on business trips (see Clause 1) providing the benefits which are specified in the insurance contract and defined in the Special Conditions of Insurance and which become payable in accordance with Clause 10.

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As the insurer, we provide the fulfilled the additional obligations insurance benefits which are which specifically apply to this sales contractually agreed within the scope channel in accordance with sentence of these conditions of insurance. 1 of section 312e (1) of the German Civil Code (means for correcting input 17.2. Costs and method of payment errors, confirmation of application). With the exception of the premium In order to comply with the revocation specified in the certificate of period, it is sufficient that you send the insurance (including statutory revocation notice in good time. The insurance tax), no further costs are revocation notice must be sent to: payable by you for concluding the contract and the insurance cover. Lloyd’s of London Group The premium is payable by you in German Branch accordance with the method of Syndicate 510 payment specified in the certificate of Taunusanlage 11 insurance (see also Clause 12). 60329 Frankfurt am Main, Germany 17.3. Period of validity

We may change these conditions of insurance at any time for new 18.2.2. Consequences of revocation contracts, but not for existing ones. In the event of effective revocation, We are bound by our offer (quote) for your insurance cover shall end and 30 days. we shall refund you the part of your premium which corresponds to the 18. Information about the contract time after the revocation notice has 18.1. Formation of your contract been received. The contract has been formed by our We are entitled to retain the part of confirmation of cover. Both the your premium which corresponds to contract and your insurance cover the time up until the revocation notice commence on the date specified in is received if you have agreed that the certificate of insurance at the insurance cover shall commence midnight. before the expiry of the revocation period. If you have not agreed to this 18.2. Revocation advice pursuant to Section or if the insurance cover only 8 (2) no. 2 of the German Insurance commences after the expiry of the Contract Act (VVG) revocation period, we shall refund the 18.2.1. Right of revocation entire premium. You may revoke your policy We shall refund premiums promptly; declaration in written or electronic no later than 30 days after the form (e.g. letter, facsimile, email) revocation notice is received. without stating reasons within two 18.2.3. Special Information weeks. Your right of revocation is excluded if The time period begins on the day the contract has been performed in after you have received the full by both parties at your express wish certificate of insurance, the provisions before you exercised your right of of the contract including our General revocation. Conditions of Insurance and the contract information in accordance There shall be no right of revocation with section 7(2) of the German for contracts with a term of less than Insurance Contract Act and this one month. advice in written or electronic form. 18.3. Term and conditions of termination For electronic transactions (online The contract is concluded for the applications or online conclusion of period set out in the certificate of the contract) the revocation period insurance. Please refer to Clause 4 for will not begin until we have also conditions of termination.

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18.4. Which law is applicable? 19. Complaints Swiss law applies to this contract. 19.1. Ombudsman 18.5. Which court has jurisdiction? Our company is a member of the Insurance Industry Ombudsman 18.5.1. The place of jurisdiction for all claims Scheme (Versicherungs-Ombudsman against us arising under the insurance e.V.). You may use this scheme – with contract shall be Frankfurt am Main. If the exception of health insurance – to you are a natural person, the court in access the free of charge, out of whose district you have your place of court arbitration procedure. residence when the claim is brought The insurance ombudsman can or, in the absence of such place of currently deal with cases with an residence, your customary place of amount in dispute of up to €80,000.00. abode, also has local jurisdiction. For decisions up to an amount of 18.5.2. If are a natural person, claims against €5,000.00, we undertake not to refer you arising under the insurance matters to court and to accept the contract must be brought before the ombudsman’s ruling. court that has jurisdiction over your place of residence or, in the absence Your right to choose to take legal of such place of residence, your action remains unaffected by this. customary place of abode. If you are The insurance ombudsman can be a legal person, the court of jurisdiction contacted at: shall be where you have your registered office or your place of beschwerde business. @versicherungsombudsmann.de 18.5.3. If your place of residence, registered Postfach 080632, 10006 Berlin. office or place of business is in a country outside of the European Union, Iceland, Norway or Switzerland, the place of jurisdiction shall be Frankfurt am Main. 18.6. Language of the contract The language of the contract is English. Any communications shall be exclusively in the English language.

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Information leaflet concerning conjunction with Art. 7 GDPR. Art. 7 data processing GDPR. If we compile statistics with these data categories, this is done on 20. Preamble the basis of Art. 9 Para. 2 j) GDPR in Today insurances can only perform conjunction with Art. 7 GDPR. § 27 their tasks still using electronic data BDSG. processing (EDP). Only this way can We also process your data in order to contractual relationships be protect legitimate interests of processed correctly, quickly and in a ourselves or third parties (Art. 6 para. 1 cost effective manner; EDP also offers f) GDPR). This may be necessary, for the insured community better example: protection form misuse than the

former manual system. - to guarantee IT security and IT operation, We process your personal data in

compliance with the EU Data - to advertise their own insurance Protection Basic Regulation (GDPR), products and other products of the Federal Data Protection Act the Group companies and their (BDSG), the relevant provisions of the cooperation partners, as well as German Insurance Contract Act market and opinion surveys, (VVG) and all other relevant laws. - for the prevention and If you wish to insure yourself with us, clarification of criminal offences, we need your data for the conclusion in particular we use data analyses of the contract and for the for the recognition of indications assessment of the risk to be assumed which can point to insurance by us. If the insurance contract is abuse. concluded, we process this data in Right of objection order to issue the policy or send you You have the right to object to the an invoice. We require information in processing of your personal data for the event of claims and benefits in direct marketing purposes. order to check how you have covered yourself in detail and which If we process your data to safeguard benefits you receive from us. The legitimate interests, you may object to conclusion or execution of the this processing if your particular insurance contract is not possible situation gives rise to reasons that without the processing of your data. speak against data processing. In addition, we need your personal In addition, we process your personal data to compile insurance-specific data to fulfil legal obligations. This statistics, e.g. for the development of includes, for example, regulatory new tariffs or to meet regulatory requirements, commercial and tax requirements. We also use selected retention obligations or our duty to data from all existing contracts within provide advice. In this case, the legal the group to examine the entire basis for the processing is the customer relationship, for example in respective statutory regulations in order to advise you specifically on conjunction with Art. 6 para. Art. 6 contract adjustments or amendments. para. 1 c) GDPR. They are also the basis for 21. Declaration of consent in accordance comprehensive customer service. with the Basic Data Protection The legal basis for this processing of Ordinance (GDPR) personal data for pre-contractual and The policyholder agrees that we may contractual purposes is Art. 6 para. 1 collect data resulting from the b) GDPR. Insofar as special categories application documents or the of personal data, e.g. your health execution of the contract (in data, are required for this purpose, we particular premiums, insured events, will obtain your consent in risk/contract changes) to the extent accordance with Art. 9 Para. 2 a) in necessary and may transfer such data

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to other insurers for the purpose of 22.1. Data storage with your insurer assessing the risk and processing the We store data which is necessary for insurance and reinsurance as well as the insurance contract. First of all, this assessing the risk and claims to other is your application data, e.g. surname, insurers and/or to the Gesamtverband first name, address, date of birth, der Deutschen occupation. In addition, insurance Versicherungswirtschaft e.V./Verband data such as customer number der privaten Krankenversicherung e.V. (partner number), sum insured, (Association of the German Insurance duration of insurance, premium, bank Industry e.V. / Association of Private details and, if necessary, the details of Health Insurers e.V.) for passing on a third party, e.g. an intermediary, an such data to other insurers. This expert or a doctor (contract data) are consent shall also apply irrespective of recorded for the contract. In the the conclusion of the contract as well event of an insured event, we store as for corresponding checks of your information on the loss and, if (insurance) contracts applied for applicable, also information from third elsewhere and for future applications. parties, such as the degree of The policyholder further consents to us occupational disability determined by and the reinsurers keeping his general the doctor, the determination of your application, contract and benefit repair workshop regarding a total data in joint data collections and motor vehicle loss or, if a life insurance passing them on to the intermediary(s) policy expires, the amount paid out responsible for him insofar as this (benefit data). serves the proper performance of his 22.2. Data transfer to reinsurers insurance matters. In the interests of its policyholders, an Health data may only be passed on insurer will always ensure that the risks to personal insurers and reinsurers; it assumes are balanced out. In many they may only be passed on to cases, we therefore cede some of the intermediaries to the extent necessary risks to domestic and foreign to draft the contract. reinsurers. These reinsurers also require Without influence on the contract and the corresponding underwriting revocable at any time, the information from us, such as insurance policyholder further agrees that the number, premium, type of insurance intermediary(s) may use his (their) cover and risk and risk surcharge, as general application, contract and well as your personal details in performance data for advice and individual cases. Insofar as reinsurers support also in other financial services. participate in the risk and loss assessment, they are also provided 22. Disclosure of information with the necessary documents. In In addition, the transmission of data some cases, reinsurers make use of that is subject to professional secrecy, other reinsurers, to whom they also such as that of a doctor, requires transfer the corresponding data. special permission from the person 22.3. Transfer of data to other insurers concerned (release from the duty of confidentiality). In life insurance, According to the Insurance Contract health insurance and accident Act, the insured person must inform insurance (personal insurance), the the insurer of all circumstances application or the notice of claim also important for the assessment of the risk contains a confidentiality release and the settlement of the claim when clause. submitting the application, when amending the contract or in the event In the following, we would like to give of a claim. This includes, for example, you some important examples of data previous illnesses and insured events or processing and use. notifications of similar other insurances (applied for, existing, rejected or cancelled). In order to prevent

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insurance misuse, to clarify possible If the insurance contract is not contradictions in the information concluded, we will delete your provided by the insured or to close application data three years after gaps in the findings on the loss submission of the application. incurred, it may be necessary to 22.8. What rights do you have? request information from other insurers or to provide corresponding In addition to the right of objection, information in response to enquiries. you also have the right to information, correction and deletion of your data 22.4. Data transmission to external service and to restriction of processing. Upon providers and other recipients request, we will provide you with the We work with selected external data provided by you in a structured, service providers to meet our common and machine-readable contractual and legal obligations. In format. If you wish to view data or the list of service providers you will find change anything, please contact us the companies with which we have at the above address. long-term business relationships. You 22.9. Complaints office can call up the current version from our data protection officer. You have the option of contacting our In addition, we may be obliged to data protection officer or a data transfer your personal data to other protection supervisory authority. The recipients, such as authorities to fulfil data protection supervisory authority statutory notification obligations (e.g. responsible for us is: social insurance institutions, tax The Hessian Commissioner for Data authorities and the Central Allowance Protection and Freedom of Office for Retirement Assets). Information 22.5. Data exchange with your employer P.O. Box 3163 If your employer takes out group 65021 Wiesbaden, Germany insurance with us for you as an employee, he will register you for Phone: +49 611 1408 - 0 insurance. He will inform us of your fax: +49 611 1408 – 611 name, address, date of birth and sex. https://datenschutz.hessen.de/ 22.6. Creditworthiness information Like many other companies, we also check the general payment behaviour of new customers, for example, whom we do not yet know so well. This is a common procedure in the business world where we collect information from the credit agency CREDITREFORM. 22.7. How long do we store your data? We store your data for the duration of your contract. In addition, we store your personal data for the fulfilment of legal obligations to provide evidence and to retain data. These result from the German Commercial Code, the German Tax Code and the Money Laundering Act. The retention periods are up to ten years.

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Special Conditions of Insurance 2.1.5. unforeseen court summons which Part 1 cannot be postponed if the insured person is called as a witness or a juror Conditions for the CG Travel Cancellation Costs (but not in an occupational or & Curtailment Insurance (CG Travel advisory capacity). Cancellation Conditions of Insurance) 2.2. Curtailment of journey Scope of the insurance The insured person must curtail the journey for one of the reasons 1. What is insured? specified in Clauses 2.1.1 to 2.1.6 Insurance cover exists for booked above. travel services (including the costs for 2.3. Delayed return journey arrival and departure, accommodation, Swimrun booking The insured person is unable to fee, etc.) to trips on the occasion of undertake the return journey at the the participation of the insured booked time for one of the reasons Event(s) stated in the confirmation of specified in Clause 2.1.1. cover. 3. What benefits are provided up to what 2. For what events does insurance cover amount? exist? (Insured events) Compensation shall be paid after Insurance cover exists for following deducting third party benefits (e.g. a unforeseen events: transport company or e.g. airport fees up to the amount specified in the 2.1. Cancellation of the trip as a result of: insurance contract. 2.1.1. the death, serious accident, 3.1. For cancellation of the trip in unexpected serious illness or accordance with Clause 2.1, pregnancy complications of the insured person; the trip cancellation costs which you can prove accrued to you less the 2.1.2. pregnancy complications suffered by agreed excess. the spouse or life partner of the insured person; Trip cancellation costs are deemed to be the cancellation costs which are 2.1.3. the death, serious accident or contractually owed by you to the unexpected serious illness of the travel company for not undertaking spouse / life partner, children, parents, the booked journey. siblings, parents-in-law, children-in-law or siblings-in-law of the insured person 3.2. For curtailment of journey in and proven registered Swimrun.; accordance with Clause 2.2, 2.1.4. damage to the property of the the costs for booked and insured person as a result of fire, contractually owed travel or natural forces or a criminal offence accommodation services which were committed by a third party if the not utilised which you can prove damage is considerable in relation to accrued to you up to the amount the financial status and the assets of specified in the insurance contract the injured party or the presence of less the agreed excess. the insured person is necessary for the The compensation shall be calculated purpose of assessing the loss; from the total price of the trip. The 2.1.5. vaccination intolerance or prophylaxis proportion of unused days to the total intolerance of the insured person days of the trip shall be calculated. which are not already known from The price of the trip is the price previous experiences; specified in the travel contract for transporting and providing accommodation for the insured person, for the insured person’s hire

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car and other services included in the 4.2.2. would have been foreseeable if the price of the trip. insured person had been taken the requisite care; 3.3. For delayed return journey in 4.2.3. are attributable to a pregnancy within accordance with Clause 2.3, a period of eight weeks before the due date of delivery; the additional costs which you can prove accrued to you for: 4.2.4. have arisen as a result of booking a journey to or through a country to – changing the booking or alternative which travel has been advised against transport in a means of transportation by the Federal Foreign Office. which is the same as for the originally planned return journey on the most 4.3. This Insurance does not cover any direct alternative route; claim in any way caused by or – extended accommodation in a resulting from: hotel, rented apartment or house, a) Coronavirus disease (COVID-19); but not for board. b) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); 4. When is there no insurance cover? c) any mutation or variation of SARS- (Exclusions) CoV-2; 4.1. there is in principle no insurance cover d) any fear or threat of a), b) or c) for losses: above. 4.1.1. which caused deliberately by the insured person; The insured event

4.1.2. which the insured person causes as a 5. What must be done if an insured event result of or during the deliberate occurs (obligations)? commission of a criminal offence or the deliberate attempt to commit 5.1. You are generally obliged to: such an offence; 5.1.1. inform the relevant booking office or 4.1.3. caused by atomic energy. the travel company as early as possible about the cancellation of the The compensation of damages journey or the curtailment; caused by atomic energy in the Federal Republic of Germany 5.1.2. send us medical certificates relating complies with the German Atomic to illnesses, accidents, death, Energy Act. The operators of nuclear vaccination intolerance or installations are obliged to provide pregnancy, police reports, summons compulsory cover and conclude before a court which cannot be liability insurance policies for this postponed or other evidence relating purpose; to the cause of the loss; 4.1.4. during the practice of the following 5.1.3. send us bills of charges and booking professions / occupations: documents.

– artist, stunt man, animal taimer; 5.2. Additional you are obliged to – persons who work underground in 5.2.1. to avoid or mitigate the loss wherever the mining industry; possible; – detonation and clearance personnel, as well as munitions 5.2.2. to inform us immediately in a truthful detection personnel; and complete manner of all the – professional diver; details of any circumstance which – journalist, reporter and similar. could result in an obligation to provide benefit; 4.2. Especially not covered are losses: 5.2.3. to truthfully complete the “notification 4.2.1. the insured person has caused by of an insured event” form sent to you gross negligence; by us and to return the same to us without delay;

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5.2.4. to provide documentary evidence 5.3. Further deadlines which are set out in that the insured event occurred the Special Conditions must be during a business trip; observed for individual types of 5.2.5. to provide any additional relevant benefit. However, the Special information requested by us in a Conditions deal with prerequisites for truthful manner; making claims and not with obligations. 5.2.6. to permit us to conduct any reasonable investigation into the 5.4. What are the consequences of non- cause of the loss and into the amount observance of obligations? of benefit to be provided by us; 5.4.1. If an obligation under Clause 5 is 5.2.7. to follow our instructions; intentionally breached, you shall lose your insurance cover. In the event of 5.2.8. to arrange for the production of the grossly negligent breach of an documents requested by us as obligation, we shall be entitled to evidence for the claim, particularly reduce our benefit in proportion to the invoices for costs and medical severity of your negligence. Both of certificates; these conditions shall only apply if we 5.2.9. to authorise medical practitioners who have drawn your attention to such have treated or examined the insured legal consequences by means of a person (even if they have done so for separate communication in written or other reasons), hospitals and other electronic form. medical establishments, other If you can establish that you did not personal insurers, statutory sickness breach the obligation by means of funds, workers´ compensation insurers gross negligence, you shall retain your and authorities to issue all the insurance cover. information required for an assessment of the obligation to provide benefit. You shall also retain insurance cover if you can establish that the breach of We shall inform you of the collection the obligation did not cause either the of personal health data if you have occurrence or the establishment of provided us with your consent before the insured event or the establishment the insured event has occurred. You or extent of the benefit. This does not may object to such data being apply if you have breached the collected; however, this may lead to obligation fraudulently. the loss of your right to claim any benefit under Clause 7. These provisions apply irrespective of whether we exercise any right to give You may at any time request that notice of termination to which we are data only be collected if consent has entitled as a result of the breach of a been obtained for the individual pre-contractual duty of disclosure. collection; 5.4.2. There is particularly no breach of 5.2.10. to report insured events occasioned obligation if: by criminal offences (e.g. burglary, robbery, malicious damage, bodily – the insured person does not consult harm) to the responsible police station a doctor until the true extent immediately and to have the report becomes known; certified; – the insured person continues to work after an accident due to a sense of 5.2.11. to inform us of the existence of other duty; insurance policies providing cover for – it was initially believed that there the insured event in question and of were no consequences of the claims made and indemnity payments accident and the accident was received under such insurance, and therefore not reported immediately; to inform us of third parties’ obligations – an obligation was not fulfilled to provide compensation; unintentionally but was then 5.2.12. to claim for insurance benefits from us immediately fulfilled after such in written or electronic form. obligation was identified.

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Part 2 2.1.6. as the keeper or carer of tame Conditions for the CG Personal Liability domestic pets, tame small animals Insurance on Trips (CG Travel Personal Liability and bees, but not dogs, cattle, horses, Insurance) – where agreed – other riding and draught animals, wild animals or animals kept for 1. What is insured? commercial or agricultural purposes; Insurance cover exists for 2.1.7. as the tenant (but not the long-term circumstances in which a claim for tenant, leaseholder, etc.) of compensation is made against the apartments, hotel or boarding house insured person by a third party under rooms and residential houses rented private law statutory liability provisions for the purposes of business trips. due to a loss event occurring during the validity of the insurance contract 2.2. Uninsured risks or risks with restricted which results in: insurance

– the death, injury or damage to 2.2.1. Professional and other activities health of persons (bodily injury); or The risks of a business, profession, – the damage to or destruction of service or office (including honorary property (property damage). office), responsible or work in any kind 2. What is covered? of association are excluded. 2.1. Insured risks 2.2.2. Motor vehicles, aircraft and watercraft Within the scope of the following 2.2.2.1. The liability of the owner, possessor, provisions, the insurance cover keeper or operator of a motor vehicle, extends to the statutory liability of the aircraft or watercraft for losses caused insured person as a private individual by the use of such vehicle is not during the participation on in the insured. Confirmation of Cover named events 2.2.2.2. However, insurance cover exists for arising from the risks of everyday life. liability for losses caused by the use of: The cover also extends during the travel from the residence of the 2.2.2.2.1. model aircraft, unmanned balloons insured person to the venue and and kites: back. – which are not powered by engines or Insured risks of everyday life are propellants; activities, particularly: – the total flying weight of which does not exceed 5 kg; and 2.1.1. as the head of a family or household – for which insurance is not compulsory; (e.g. arising from the obligation to supervise minors); 2.2.2.2.2. water sports vehicles, with the exception of own sailing boats and 2.1.2. as a cyclist; own or third party water sports 2.1.3. relating to the participation in sport vehicles with engines – including with the exception of the exclusions at auxiliary or outboard engines – or Clause 4.2 below; propellants. 2.1.4. relating to the legitimate private possession and use of cutting and thrusting weapons, firearms, munitions and missiles, but not for the purposes of hunting or criminal offences; 2.1.5. as a rider when using horses belonging to third parties for private purposes. Liability claims by the keeper or owner of the animals against the insured person are not insured;

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3. What benefits are provided up to what 3.2. Amount of benefits amount? 3.2.1. Maximum limit per loss event 3.1. Type of benefits 3.2.1.1. Our compensation benefit is limited to 3.1.1. The insurance cover includes: the agreed insured sums in each insured event. 3.1.2. investigating liability; This also applies if the insurance cover 3.1.3. defending unfounded claims for extends to several parties liable to pay damages; compensation. indemnifying the policyholder against Several temporally related losses justified liability for damages. resulting from the same cause shall be Liability for damages is justified if the deemed to be one single loss event. insured person is obliged to provide The total benefit for all loss events in compensation on the basis of statute, one insurance year shall be limited to a court judgment, admission or double the agreed insured sum. settlement and we are bound by this. We shall only be bound by admissions 3.2.1.2. The expenditure for costs in made and settlements reached by accordance with Clause 3.1.6 shall the insured person without our not be deducted from the insured consent if there would have been a sum as benefits unless the litigation claim even without such admission or takes place in the United States of settlement. America or Canada. If the insured person is found to be If the justified liability claims arising liable for damages and the decision is from an insured event exceed the binding on us, we must indemnify the insured sum, we shall bear the court policyholder against the third party costs in the ratio of the insured sum to claim within a period of two weeks; the total amount of such claims. 3.1.4. defence counsel’s costs in In such cases, we are entitled to accordance with the fee scale or discharge ourselves from providing greater if expressly agreed with us for further benefits by paying the insured the appointment of defence counsel sum and a proportion of the hitherto as desired or approved by us for the accrued costs corresponding to the insured person in a criminal insured amount. prosecution due to an insured event 3.2.1.3. If the insured person is obliged to pay which may result in a liability claim for an annuity to the claimant and if the which insurance cover exists; cash value of the annuity exceeds the 3.1.5. provision of security or deposit for the insured sum or the remaining amount insured person if the insured person of the insured sum after the deduction has a statutory obligation to provide of any other benefits arising from the security for a due pension as the result same insured event, then the annuity of an insured event, or prevention of to be paid shall only be refunded in enforcement of a court ruling against the ratio of the insured sum or the the insured person by providing a remaining amount thereof to the cash security or a bond; value of the annuity. 3.1.6. the conduct of litigation in the name The cash value of the pension and the of the insured person should an amount of cover will be determined insured event result in litigation under the decleration made to the regarding the claim between the responsible regulatory authority in the insured person and the claimant or business plan when calculating the the latter’s successor in title. proportional value. The costs of the litigation shall be borne by us.

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3.2.2. Maximum benefit for damage to – detonation and clearance rented property personnel, as well as munitions detection personnel; For insurance benefits resulting from – professional diver; damage to rented property in – journalist, reporter and similar. accordance with Clause 2.1.7, the payment of compensation shall be 4.2. Especially there are no cover for limited to the sum specified in the liability claims: insurance contract per insured event 4.2.1. if they exceed the scope of the and per insurance year. insured person’s statutory duty due to 3.2.3. Limit to additional costs attributable to the contract or express commitments; the insured person 4.2.2. arising from losses as a result of: If the settlement of a liability claim by – hunting; acknowledgement, satisfaction or – participation in horse, bicycle or settlement requested by us fails due to motor vehicle racing, boxing or the conduct of the insured person, wrestling or the preparation for such then we shall not be obliged to pay events (training); any additional expenses for compensation, interest and costs 4.2.3. arising from loss events suffered by accruing from the time of the insured relatives of the insured person who live person’s refusal. together with the latter as a household. 3.2.4. Other liability insurance policies Relatives are deemed to be spouses / Any other existing insurance cover life partners, parents and children, shall take precedence over this adoptive parents and children, overseas travel liability insurance. parents-in-law and children-in-law, 4. When is there no insurance cover? step-parents and step-children, (Exclusions) grandparents and grandchildren, siblings, foster parents and foster 4.1. there is in principle no insurance cover children (persons who are associated for losses: with each other in a long-term family- 4.1.1. which are caused deliberately by the like relationship such as that of parents insured person; and children); 4.1.2. which the insured person causes as a 4.2.4. by legal representatives of parties result of or during the deliberate without legal capacity or of parties commission of a criminal offence or with restricted legal capacity; the deliberate attempt to commit 4.2.5. due to losses to third party property such an offence; and all pecuniary losses resulting from 4.1.3. caused by atomic energy. such property losses if the insured person has rented, leased, borrowed The compensation of damages such property or has acquired it by caused by atomic energy in the infringement of property rights or if it is Federal Republic of Germany the subject of a separate contract of complies with the German Atomic safe custody. Energy Act. The operators of nuclear installations are obliged to provide compulsory cover and conclude liability insurance policies for this purpose; 4.1.4. during the practice of the following professions / occupations:

– artist, stunt man, animal taimer; – persons who work underground in the mining industry;

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4.2.11. resulting from losses arising from the However, damage to rented rooms / infringement of personality rights or houses and their fixtures and fittings is name rights; included in accordance with Clause 2.1.7 (damage to rented property). 4.2.12. resulting from losses arising from The following remain excluded: hostility, bullying, harassment, unequal treatment or other discrimination; – liability claims for wear and tear and excessive use; 4.2.13. resulting from bodily harm arising from – damage to heating, boiler and hot the transmission of an illness suffered water systems; by the insured person. – to electrical and gas appliances; The same applies to property damage – liability claims which are covered by and all pecuniary losses resulting from the waiver of regress under the fire such caused by the illness of animals insurers’ agreement for owned by the insured person which comprehensive loss; are either kept or sold by him. 4.2.6. which are attributable to asbestos or In both cases, insurance cover exists if substances or products containing the insured person proves that he asbestos; acted neither intentionally nor grossly 4.2.7. which are directly or indirectly negligently. connected with energy-rich ionising 4.3. Exclusion of deliberate Cyber Acts radiation (e.g. rays of radioactive material or X-rays) and with laser and Any benefits for bodily injury caused maser radiation; by a deliberate, unauthorized, malicious or criminal act caused by 4.2.8. caused by environmental influences an application, software or program on soil, air or water (including damage associated with an electronic device to bodies of water) and all further (e.g. computer, laptop, smartphone, losses arising from such; tablet or internet-capable electronic 4.2.9. arising from material damage caused device) are not covered under this by: policy.

– the gradual effect of temperature, 5. What must be done if an insured event gases, vapours or moisture, occurs? (Obligations) precipitation (smoke, soot, dust etc); You or the insured person must – sewage, the formation of sludge, observe the obligations specified subsidence of land (including a below upon the occurrence of an structure erected upon it or a part of insured event. such), caused by landslides, tremors resulting from pile driving, caused by 5.1. Notification of loss flooding of standing or flowing 5.1.1. We must be informed of every insured bodies of water; event without delay, even if no claim – damage to fields caused by grazing for compensation has yet been cattle or game; made. 4.2.10. resulting from the exchange, the 5.1.2. You or the insured person must inform transmission or the provision of us immediately if a liability claim is electronic data as long as this relates brought against the insured person or to: if a public prosecution, proceedings 4.2.10.1. the deletion, suppression, destruction by authorities or court proceedings or modification of data; are commenced, a default summons is issued or the dispute is announced 4.2.10.2. non-recording or failed saving of to the insured person by a court. data; 4.2.10.3. the disturbance of access to electronic data exchange; 4.2.10.4. the transmission of confidential data or information;

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5.2. Default summons / orders 5.5.7. to follow our instructions; You must enter an objection or any 5.5.8. to arrange for the production of otherwise necessary challenge to a documents requested by us as default summons or an order by evidence for the claim, particularly administrative authorities to pay invoices for costs and medical compensation in good time. certificates; Instructions from us are not necessary. 5.5.9. to authorise medical practitioners who 5.3. Conduct of litigation have treated or examined the insured person (even if they have done so for If a liability claim against the insured other reasons), hospitals and other person is brought before a court, then medical establishments, other he must allow the litigation to be personal insurers, statutory sickness conducted by us. We shall instruct a funds, workers´ compensation insurers lawyer on behalf of the insured and authorities to issue all the person. The insured person must grant information required for an assessment the lawyer full authority and must of the obligation to provide benefit. provide all required information and requested documents. We shall inform you of the collection of personal health data if you have 5.4. Authorisation provided us with your consent before 5.4.1. We are deemed to be authorised to the insured event has occurred. You make any declarations on behalf of may object to such data being the insured person which appear to us collected; however, this may lead to to be appropriate for the settlement the loss of your right to claim any or defence of the claim. benefit under Clause 7. 5.4.2. If the insured person is granted the You may at any time request that right to request the cancellation or data only be collected if consent has reduction of any payable annuity due been obtained for the individual to a change in circumstances, then collection; he is obliged to allow us to exercise 5.5.10. to report insured events occasioned this right on his behalf. by criminal offences (e.g. burglary, 5.5. Additional you are obliged to robbery, malicious damage, bodily harm) to the responsible police station 5.5.1. to avoid or mitigate the loss wherever immediately and to have the report possible; certified; 5.5.2. to inform us immediately in a truthful 5.5.11. to inform us of the existence of other and complete manner of all the insurance policies providing cover for details of any circumstance which the insured event in question and of could result in an obligation to provide claims made and indemnity payments benefit; received under such insurance, and 5.5.3. to truthfully complete the “notification to inform us of third parties’ obligations of an insured event” form sent to you to provide compensation; by us and to return the same to us 5.5.12. to claim for insurance benefits from us without delay; in written or electronic form. 5.5.4. to provide documentary evidence 5.6. Further deadlines which are set out in that the insured event occurred the Special Conditions must be during a business trip; observed for individual types of 5.5.5. to provide any additional relevant benefit. However, the Special information requested by us in a Conditions deal with prerequisites for truthful manner; making claims and not with obligations. 5.5.6. to permit us to conduct any reasonable investigation into the cause of the loss and into the amount of benefit to be provided by us;

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5.5. Consequences of breaches of obligations If an obligation under Clause 5 is intentionally breached, you shall lose your insurance cover. In the event of the grossly negligent breach of an obligation, we shall be entitled to reduce our benefit in proportion to the severity of your negligence. Both of these conditions shall only apply if we have drawn your attention to such legal consequences by means of a separate communication in written or electronic form. If you can establish that you did not breach the obligation by means of gross negligence, you shall retain your insurance cover. You shall also retain insurance cover if you can establish that the breach of the obligation did not cause either the occurrence or the establishment of the insured event or the establishment or extent of the benefit. This does not apply if you have breached the obligation fraudulently. These provisions apply irrespective of whether we exercise any right to give notice of termination to which we are entitled as a result of the breach of a pre-contractual duty of disclosure.

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