EXPATRIATE INSURANCE
Danish Refugee Council (Bupa Denmark, filial af Bupa Global DAC, Irland)
Valid from 2021 Contents 3 List of Reimbursements 8 Policy conditions 35 Bupa Global Privacy Notice 39 Glossary
2 List of Reimbursements Please note that the List of Reimbursements is part of the policy conditions. It is therefore necessary to read both the List of Reimbursements and the policy conditions carefully.
Words written in italic in the List of Reimbursements and the policy conditions are "defined terms" which are specific terms relevant to your cover. Please check their meaning in the Glossary at the end of this product guide.
Valid from commencement date or policy renewal in 2021. All amounts are in DKK/EUR.
Expatriate Insurance Business trips and vacation Insurance sum Art. 4
Expenses resulting from acute illness and injury during business trips and vacations max. 90 days, per trip Unlimited
Provisional pain-relieving dental treatment during business trips or vacations outside the country of expatriation Unlimited
Medical expenses and medical transportation Insurance sum Art. 5
Hospital, emergency room treatment, outpatient treatment, doctor and specialist Unlimited
Medically prescribed hotel accommodation and meals in connection with outpatient treatment Unlimited
Prescription medicine Unlimited
Screened blood Unlimited
Physiotherapist/Chiropractor/Reflexologist/Ergotherapy/Osteopath/Acupuncturist Unlimited
Crisis counselling/crisis psychologist if assessed necessary by the Company's medical consultant Unlimited
Telephone crisis counselling/crisis psychologist for relatives, if assessed necessary by the Company's medical consultant Unlimited
Medically prescribed treatment of mental disorders by a psychiatrist and during admission at a psychiatric department Unlimited
Medically prescribed treatment of mental disorders by a psychologist DKK 20,000/ EUR 2,700
Hospice DKK 100,000/ EUR 13,500
Medically prescripted home care DKK 40,000/ EUR 5,400
Terminal care in hospital Unlimited
Health check-ups and vaccinations in addition to the ordinary children's vaccination and health check-up programme, cf. Art. 5.1 DKK 5,000/ EUR 670
Spectacles and contact lenses DKK 1,000/ EUR 135
Hospital Cash Benefit. (cf.art. 5.b). DKK 400/EUR 50 per 24 hours at hospital for inpatient treatment. Max per policy year DKK 800/EUR 100
3 Expatriate Insurance (continued)
Transport and catching up itinerary Insurance sum Art. 6
Medical transportation to an appropriate treatment facility in the event of serious illness or injury or treatment failure at the location Unlimited
Repatriation in the event of death Unlimited
Catching up itinerary in the event of illness. Transportation, hotel accommodation and meals will be covered if the documented scheduled itinerary cannot be kept Unlimited
Next-of-kin accompaniment and compassionate emergency visit Insurance sum Art. 7
Next-of-kin accompaniment/compassionate emergency visits by max. three persons Unlimited
Medical malpractice Insurance sum Art. 8
Compensation for permanent disablement occurred as a result DKK 1,000,000/EUR 135,000 of medical malpractice
Pregnancy and childbirth Insurance sum Art. 9
Reasonable and necessary expenses for pregnancy and childbirth Unlimited
Dental treatment Insurance sum Art. 10
Examination, tooth-cleaning, filling, root treatment, tooth extraction, pivots, bridges, gold inlay, crowns, occlusion bar, periodontitis treatment and dentures. 80 % of expenses up to DKK 15,000/EUR 2,000
Tooth adjustment up to the age of 18
Repatriation Insurance sum Art. 11
Repatriation — personal and business-related Unlimited
Replacement employee Insurance sum Art. 12
Replacement employee DKK 50,000/EUR 6,750
4 Expatriate Insurance (continued)
Crisis package Insurance sum Art. 13
Evacuation in the event of war and impending war, terrorist acts, or epidemics and natural disasters Unlimited
Documented extra costs in connection with hotel accommodation, meals and local transportation DKK 1,500 / EUR 200 per insured per day
Crisis counselling/crisis psychologist if assessed necessary by the Company's medical consultant See policy conditions Art. 13.2
Telephone crisis counselling/crisis psychologist for relatives if assessed necessary by the Company's medical consultant See policy conditions Art. 13.2
Search and rescue services DKK 300,000 / EUR 40,000 per insured, however max. DKK 600,000/ EUR 80,000 per incident
Compassionate emergency visit and home transportation, if the insured has been victim of hostage taking or kidnapping See policy conditions Art. 13.7
Flight delay and late arrival Insurance sum Art. 14
Flight delay of more than four hours, and late arrival DKK 35,000/EUR 4,725
Hotel accommodation, meals and local transportation Max. DKK 1,500/ EUR 200 per insured per day and max. DKK 3,000/ EUR 400 per household per day
Replacement purchases in the event of more than 12-hour delay on a stopover DKK 500/ EUR 70 per insured per day
Delayed baggage Insurance sum Art. 15
Replacement purchase on at least three hours baggage delay DKK 5,000 / EUR 675
Baggage Insurance sum Art. 16
Baggage — theft, loss, damage, etc. DKK 100,000 / EUR 13,500
Deductible on contents insurance and car insurance DKK 15,000 / EUR 2,000 per loss
Household contents and Special household contents Insurance sum Art. 17
Compensation for household contents in the event of fire, damage caused by storms, burglary, theft, etc. DKK 100,000 / EUR 13,500
Special household contents are covered by up to 25 % of the insurance sum, however, a maximum of DKK 70,000/ EUR 10,000
5 Expatriate Insurance (continued)
Personal liability - Property damage Insurance sum Art. 18
Property damage including damage to a rented holiday home/ hotel and to contents of a rented home DKK 5,000,000 / EUR 675,000
Personal liability - Bodily injury Insurance sum Art. 18
Bodily injury - If the insured is held responsible for bodily injury to a person DKK 10,000,000 / EUR 1,350,000
Legal aid Insurance sum Art. 19
Legal aid DKK 130,000 / EUR 17,550
Security/bail Insurance sum Art. 20
Security/bail DKK 100,000 / EUR 13,500
Legal assistance Insurance sum Art. 20
Legal assistance DKK 50,000 / EUR 6,750
Fulltime accident — Death Insurance sum Art. 21
Death caused by an accident DKK 1,300,000 / EUR 175,500
Death caused by an accident — Children DKK 25,000/ EUR 3,500
Fulltime accident — Disability/dental treatment caused by an accident Insurance sum Art. 21
Disability (Permanent disability) and dental treatment caused by an accident DKK 2,600,000 / EUR 351,000
Chewing injury DKK 10,000 / EUR 1,400
6 Expatriate Insurance (continued)
Fulltime accident — Assault Insurance sum Art. 22
Assault DKK 500,000 / EUR 67,500
Life insurance and disability due to illness - Death Insurance sum Art. 23
Death due to illness See policy schedule
Life insurance and disability due to illness - Disability Insurance sum Art. 23
Permanent disability (due to illness including tropical dility diseases) See policy schedule
7 Policy conditions Valid from commencement date or policy renewal in 2021.
In accordance with the Danish Insurance Contracts Act.
This version is a translation from Danish. In the event of discrepancies or ambiguity between this translation and the Danish version, the Danish version shall prevail.
Index
Art. 1 Acceptance of the insurance Art. 2 Commencement date Art. 3 Where cover is provided Art. 4 Business trips and vacations Art. 5 Medical expenses Art. 6 Transport and catching up itinerary Art. 7 Next-of-kin accompaniment and compassionate emergency visit Art. 8 Medical malpractice Art. 9 Pregnancy and childbirth Art. 10 Dental treatment Art. 11 Compassionate emergency repatriation Art. 12 Replacement employee Art. 13 Crisis package Art. 14 Flight delay and late arrival Art. 15 Delayed baggage Art. 16 Baggage Art. 17 Household contents and Special household contents Art. 18 Personal liability — bodily injury and property damage Art. 19 Legal aid Art. 20 Security/bail and legal assistance Art. 21 Fulltime accident, Disability, Reduced working capacity and dental treatment caused by an accident Art. 22 Fulltime accident - Assault Art. 23 Life insurance and disability due to illness Art. 24 Reimbursement Art. 25 Exceptions for reimbursement Art. 26 Claim reporting Art. 27 Cover by third parties Art. 28 Premium payment Art. 29 Assignment, termination, cancellation and expiry Art. 30 Disputes, venue, etc Art. 31 Confidentiality Glossary
Art. 1 Acceptance of the insurance 1.1 Who can take out insurance The insurance can be taken out and renewed by Skandinavian and Finnish companies (the policyholder) registered with the relevant authorities in a Scandinavian country and/or Finland with an invoice address in these countries. The Company may ask the applying company to submit documentation of its registration in Scandinavia or Finland.
8 The insurance shall cover the company's employees who are assigned to work abroad in the interest of the company and any accompanying family members (the insured) including children that do not live at home and accompanying resident assistants and who are named in the policy schedule.
1.2 Health and age Employees and their accompanying family members (the insured) can take out the insurance without having to submit any medical information and will be covered for pre-existing illnesses on the cover for medical expenses and medical transportation (Art. 5) and transport and catching up itinerary (Art. 6) as policyholder has chosen Medical History Disregarded – MHD terms. Please note that exceptions apply as stated in the policy conditions. In order for new-born and adopted children to be covered by the insurance with effect from the date of birth, the Company must receive a copy of the birth certificate no later than three months after the birth. If the Company receives the birth certificate later than three months after the birth, the new-born and adopted children will be covered with effect from the date the Company receives the birth certificate.
1.3 Company acceptance The Company determines whether the insurance can be accepted, and it is a condition for the Company's liability to take effect, that the application is approved by the Company and that the premium is paid on time to the Company.
1.4 Policy schedules and claims handling All underwriting and issuance of policy schedules are made from the Company's office in Copenhagen, Denmark. The Company may choose to have data processed in or outside the EU.
Art. 2 Commencement date 2.1 Insurance period Commencement date, cover, insurance sums and insurance period are stated in the policy schedule.
2.2 Duration expatriation The maximum insurance period for expatriation shall be 72 months. However, upon prior agreement with the Company it might be possible to extend the insurance period.
2.3 Right to compensation The right to compensation shall take effect as from the commencement date.
2.4 Commencement of cover Enrolments will be effective from the date the notification is received at the earliest by Bupa Global.
Art. 3 Where cover is provided 3.1 Area of coverage The insurance shall provide coverage during expatriation in the geographical area indicated by the policyholder to the Company and stated in the policy schedule. The geographical area is "Scandinavia and Finland", "Europe" or the entire world.
"Scandinavia and Finland" includes Denmark, Sweden, Norway and Finland.
"Europe" includes Albania, Algeria, Andorra, Austria, Azores, Belgium, Belarus, Bosnia-Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Greenland, Hungary, Ireland, Iceland, Israel, Italy, Jordan, Kosovo, Latvia, Lebanon, Libya, Liechtenstein, Lithuania, Luxemburg, Macedonia, Madeira, Malta, Moldavia, Monaco, Montenegro, Morocco, Netherlands, Palestine, Poland, Portugal, Romania, Russia (until the Urals), San Marino, Scandinavia, Serbia, Slovakia, Slovenia, Spain, Switzerland, Syria, Tunisia, Turkey, Ukraine, United Kingdom Austria Vatican City State.
3.2 Residential address abroad The insured listed in the policy schedule shall all live and be registered at the same address in the country where the employee is expatriated, in order for the insurance to be valid.
3.3 Affordable Care Act The Company's global health insurance products are non-US insurance products and accordingly are not designed to meet the requirements of the US Patient Protection and Affordable Care Act (the Affordable Care Act). The Company's insurance products may not qualify as minimum essential coverage or meet the requirements of the individual mandate for the purposes of the Affordable Care Act, and the Company is unable to provide tax reporting on behalf of those US taxpayers and other persons who may be subject to it. The provisions of the Affordable Care Act are complex and whether or not the insured is subject to its requirements will depend on a number of factors. The insured should consult an independent professional financial or tax advisor for guidance. For customers whose coverage is provided under a group insurance, the insured should speak to the group health insurance administrator for more information.
9 Art. 4 Business trips and vacations 4.1 Business trips and vacations The insurance shall cover business trips and vacations worldwide, lasting no more than 90 days per trip. The travel insurance shall provide coverage from the moment the insured leaves his/her residence or workplace to begin his/her trip. The coverage shall cease when the insured returns to his/her residence or workplace or when the insurance period expires, if this occurs before the insured's return.
The insurance provides unlimited cover for the insured's medical expenses in case of acute illness or accident during business or leisure trips worldwide.
4.2 Existing conditions Existing conditions, or conditions that were present before departure from the country of expatriation, are covered by the insurance to the extent that it could not be reasonably expected, that the condition would require treatment during the business or leisure trip.
4.3 Pregnancy During business trips and vacations the insurance shall cover the insured's medical expenses in case of any sudden and unforeseen illness and/or complication in connection with maternity before the 8th month (36th week) of pregnancy, however cf. Art. 25.1 d)
4.4 Temporary pain-stilling dental treatment when travelling Coverage is provided for temporary pain-stilling dental treatment, when the insured is travelling outside his/her country of expatriation,
Coverage is subject to an original statement from the locally authorised dentist being submitted to the Company. The statement shall specify which part of the dental treatment is temporary and pain-stilling.
The insurance shall not cover dental conditions that did not arise during the insured's travel and where dental treatment is not temporary, pain-stilling and can await the insured's arrival at home.
Dentures and treatment as a result of a chewing injury or a dental injury is not included in this coverage.
Art. 5 Medical expenses 5.1 Cover medical expenses The Company assesses and decides whether the expenses are reasonable and relevant to establish whether the insured suffers from an illness, is in need of treatment or check-up of treatment received.
The insurance comprises the following services: a) treatment of somatic (physical) diseases during hospitalisation or as outpatient treatment, b) Hospital Cash benefit: the benefit applies when the insured has received eligible inpatient treatment for a covered medical condition at a public hospital/with no charge, c) organ transplant is covered per diagnosis and course of treatment, all inclusive max. DKK 1,000,000/EUR 140,000. Only transplant of human organs is covered, and both the transplant and the procurement of the organ must be pre-approved by the Company, d) expenses for treatment and accommodation when medically necessary hospitalisation, e) delivery of screened blood can take place in connection with planned surgeries where the Company's medical consultants estimate that the local blood has not been screened according to international standards. The screened blood will be transported and delivered to the place of treatment by a medical consultant approved by the Company. It is a condition that the local authorities allow the Company to bring the screened blood into the country. Furthermore, the Company must be notified at least 48 hours before the planned surgery, f) reasonable and necessary additional expenses for medically prescribed accommodation and meals are covered provided that treatment normally requiring hospitalisation can be carried out as outpatient treatment, g) reasonable and necessary accommodation expenses regarding outpatient treatment in a hospital is covered with the maximum of DKK 40,000/EUR 5,400 per person per insurance year, maximum daily rate of DKK 1,000/EUR 135. h) medically prescribed treatment of mental disorders by a psychologist, psychiatrist and during hospitalisation at a psychiatric department. The treatment must be pre-approved by the Company's medical consultants.
10 Treatment by a psychologist shall be covered to a maximum amount of DKK 20,000/EUR 2,700 per insured per policy year. i) physicians and specialists, j) crisis counselling/crisis psychologist, if assessed necessary by the Company's medical consultant. For treatment by a psychologist cover see Art. 5.1 h), k) telephone crisis counselling/crisis psychologist for relatives, if assessed necessary by the Company's medical consultant, l) speech therapist, m) prescription medicine. The Company shall cover a maximum of 3 months' expected consumption of eligible prescribed medicine per condition at the time, and only after the consumption of the purchased medicine, the Company will again cover for a maximum period of 3 months. However, the Company shall never cover an expected consumption after the end of the insurance period, n) medically necessary physiotherapy, ergotherapy, reflexology, chiropractic/osteopathic treatment, and/or acupuncture, o) medically necessary rehabilitation approved by the Company; cf. Art. 25.1.1 b, p) external orthopaedic aids, prostheses or other medical aids in connection with surgery for a period of up to four months after final treatment, in cases where the aids are ordered by a doctor and necessary for further improvement of surgery results or for preventing deterioration of surgical results, q) health check-ups and vaccinations are covered up to a max. of DKK 5,000/EUR 670 per insured per policy year. Furthermore, ordinary children's vaccinations and health check-ups are covered, cf. the current recommendation from the Danish National Board of Health or WHO (cf also art. 5.4), r) glasses and contact lenses are covered up to a max. of DKK 1,000/EUR 135 per insured per policy year. Sunglass lenses without prescription strength and frames are not covered, s) admission to a hospice to a maximum amount of DKK 100,000/EUR 13,500 for one course of illness. The admission should be recommended by the attending physician and must be approved in advance by the Company's medical consultants, t) reasonable and necessary expenses for medically prescribed home care by a nurse in the insured's own home up to maximum DKK 40,000/EUR 5,400 per insured per policy year. The treatment must be approved in advance by the Company's medical consultants, u) terminal care in hospital. For hospice see Art. 5.1 s). v) medical expenses in connection with HIV and AIDS (including prescription medicine, incl. tools for ingestion / injection of medicine)
See Exceptions for reimbursement in Art. 25.
5.2 Quality of treatment The Company only approves treatment which takes place after methods approved by the public health authorities in the country where treatment takes place. It is also a condition that there schould be a likely possibility that the treatment substantially and long-term can cure the illness or injury, or substantially and long-term can improve the health after the illness or injury.
Physicians, specialists, dentists, etc. performing treatment must have authorisation in the country of practise.
5.3 Special conditions for physiotherapy, ergotherapy, reflexology, chiropractic/osteopathic treatment and acupuncture The Company's liability to pay compensation is conditional upon the Company receiving an original certificate from both the local general practitioner and the attending physiotherapist, ergotherapist, reflexologist, chiropractor, osteopath or acupuncturist.
All treatment must be given by an approved therapist within each form of treatment.
5.4 General health check up
11 5.4.1 Health check-up after expatriation The insurance has been extended to cover one health check-up within the first month, beginning from the first day after the end of the expatriation period, and after permanent return to the home country, with the purpose of clarifying if the insured has contracted any diseases during the expatriation. The insurance covers max. DKK 3,750/EUR 500 per person, including the expatriated employee and any accompanying family memebers. Furthermore, the insurance has been extended to cover treatment of the diseases that the above mentioned health check-up may detect, for up to 3 months, counting from the first day after the end of the expatriation period, and on the condition that the return to the home country is permanent. The insurance covers max. DKK 375,000/EUR 50,000 per person for the whole period of 3 months. Any treatment of detected diseases must be pre-approved by the Company's medical consultants before treatment can take place.
Exceptions to cover: a) If the insured is covered for health check-ups and/or treatment in the social security system of the home country, or other public or private medical insurance, or similar. b) Treatment in a private system, including private hospitals, if the possibility of treatment in a public system exists. This despite the fact that there might be waiting periods for treatment in the public system. c) Transportation expenses to and from treatment is not covered by the insurance. d) If the insured is a resident of an EU/EEA country, cover is not provided for treatment outside the EU/EEA. e) Cover is not provided for treatment of diseases and conditions which occurred, and/or for which symptoms have been present, before the start of the expatriation period, regardless if these have worsened during the period of expatriation. f) If the group agreement for expatriation for the Organization is terminated, the cover ends as per the agreement expiry date, even if the period of 1 or 3 months respectively, has not passed since the end of expatriation of the insured.
Art. 6 Transport and catching up itinerary 6.1 Cover medical evacuation The Company shall cover all reasonable expenses incurred for the insured's medical evacuation to nearest centre where treatment is available or to the Home country determined by the Company, including ambulance transportation in case of: a) acute illness or b) serious injury or c) treatment failure at the location.
The insurance shall cover only one medical evacuation in connection with one course of illness/injury/treatment failure.
Transport expenses will only be covered if the illness or injury is covered by the insurance.
Reimbursable expenses include transportation costs, reasonable and necessary expenses for accommodation and meals.
If the insured uses his/her own car, the transport costs to and from the place of treatment by the shortest route are covered up to a maximum of DKK 1.50/EUR 0.20 per km.
6.1.1 Company rights in the event of transport for treatment The Company is entitled to demand repatriation of the insured for treatment in the country of expatriation or the home country and delay treatment until the insured's return.
Furthermore, the Company is entitled to demand that the insured be transferred to another suitable place of treatment.
The Company's medical consultant, perhaps in consultation with the attending physician, decides whether the transport is necessary and/or safe.
6.2 Transport in connection with necessary hospitalisation Transport to a hospital is covered with a maximum amount of DKK 40,000/EUR 5.400 per person per policy year provided that it is reasonable, necessary and safe and has been pre-approved by the Company's medical consultant, perhaps in consultation with the attending physician. It is a condition that the treatment is covered by the insurance cover for medical expenses.
6.3 Repatriation and statutory arrangements on death In the event of death, reasonable and necessary expenses for home transportation of the deceased and for statutory arrangements, such as embalming and a zinc coffin, shall be reimbursed. The next-of-kin have the following options:
12 a) cremation of the deceased and home transportation of the urn or b) home transportation of the deceased or c) funeral in the country of expatriation.
6.4 Catching up itinerary The Company shall provide coverage for the expenses of obtaining an itinerary if the insured's trip has begun and the documented scheduled itinerary cannot be kept. Coverage is subject to the delay being due to an illness or injury and the attending physician having prescribed bed confinement, hospital care or emergency outpatient treatment.
Reimbursable expenses include an aeroplane ticket (business class), expenses for reasonable and necessary accommodation and meals while catching up on the scheduled and documented itinerary.
6.5 Delays or restrictions The Company cannot be held liable for any delays or restrictions in connection with the transportation caused by weather conditions, mechanical problems, restrictions imposed by public authorities or the pilot or any other condition beyond the control of the Company.
Art. 7 Next-of-kin accompaniment and compassionate emergency visit 7.1 Conditions for next-of-kin accompaniment and compassionate emergency visit The Company shall provide coverage for next-of-kin accompaniment and compassionate emergency visit, if the insured dies, is hospitalised or evacuated as a result of serious injury or acute serious illness.
Expenses for next-of-kin accompaniment or compassionate emergency visit will only be covered if the illness or injury is covered by the insurance.
Compassionate emergency visit Coverage is provided when, in the opinion of the attending physician and the Company's medical consultant, the insured is to be hospitalised for at least three consecutive days, or the condition of the insured is life threatening.
The insurance shall cover only one compassionate emergency visit in connection with one course of illness.
Coverage for compassionate emergency visit shall cease when the insured is discharged from hospital.
Next-of-kin accompaniment Next-of-kin accompaniment is not dependent on the length of a hospital stay, or that the condition of the insured is life-threatening.
7.2 Number of accompanying persons and/or persons on compassionate emergency visit The insured may choose a maximum of three persons to accompany him/her. The compassionate emergency visits shall be made from the insured's country of expatriation or home country.
7.3 Children Co-insured children under the age of 18 are always entitled to cover under next-of-kin accompaniment provided that the child's parents or all of the child's travelling companions have become accompanying persons due to a covered injury.
7.4 Covered expenses Coverage is provided for the maximum of three accompanying person's return flight, only one trip per person (business class max.) and reasonable and necessary expenses for accommodation, meals and local transportation.
Art. 8 Medical malpractice 8.1 Cover medical malpractice The insurance includes cover for compensation due to medical malpractice where an authorised physician carries out suboptimum treatment compared to the normal standard of care in the country where treatment is provided. Coverage is limited to treatment during admission or out-patient treatment, which entitles the insured to compensation according to the Danish law of Liability for Damages Act and article 3 in Danish "Lov om klage og erstatningsadgang indenfor Sundhedsvæsenets."
It is a condition that the treatment is covered by the insurance cover for medical expenses, that it is pre-approved by the Company and that the treatment has taken place at a medical facility referred to by the Company.
13 Expenses covered by the insurance:
Compensation for permanent disablement which has occurred as a direct consequence of the medical malpractice. The compensation consists of the difference between the disablement in question and the disablement that would have occurred even after correct medical treatment,
8.2 Exceptions The insurance does not cover: a) medical malpractice conducted by other medical staff than trained and on location authorised physicians, b) permanent disablement occurring as a direct and expected consequence of illness or injury, c) if the insured has accepted the treatment even if The Company has warned the insured that the treatment offered does not fulfil the requirements for acknowledged, authorised principles for treatment, which have been approved by the Company, d) compensation for failure or malfunction of technical equipment etc., e) compensation if the damage from a subsequent assessment could have been avoided by using another available type of treatment or process which, from a medical point of view, would have been just as effective in treating the patient's disease, f) compensation if damage occurs, as a result of the investigation, including diagnostic interventions or treatment in the form of infections or other complications that are more comprehensive than what the patient should reasonably tolerate. Hereby, both the severity of the damage and the patient's sickness and general health must be taken into account. Also the rarity of the damage and the possibilities for taking into account the risk of it occurring, g) compensation for treatment that has not been pre-approved by the Company and/or where the Company has not referred to a medical facility.
Art. 9 Pregnancy and childbirth 9.1 Covered expenses for pregnancy and childbirth The Company shall cover reasonable and necessary expenses for pregnancy and childbirth.
The insurance shall not provide coverage for any form of fertility test/treatment, including hormone treatment, insemination or other related treatments.
9.2 Waiting period pregnancy examinations The right to reimbursement for outpatient pregnancy examinations shall take effect four weeks after commencement date of the coverage.
9.3 Waiting period delivery and postnatal check-ups The right to reimbursement for expenses in connection with delivery and postnatal check-ups shall be covered 10 months after commencement date of the coverage.
9.4 Coverage new born children Children born no sooner than 10 months after the commencement date of the mother's pregnancy cover are covered for medical expenses up to DKK 1,5 mil/ EUR 195,000 in the country of expatriation in the first month, regardless of the child's state of health.
9.5 Transportation in connection with childbirth The insurance covers expenses for one transportation of the insured pregnant person in connection with one course of childbirth from the country of expatriation to the home country and return to the country of expatriation. Though transport expenses will only be covered if the childbirth is covered by the insurance and the transportation must be preapproved by the Company. This cover only applies for the pregnant insured.
Art. 10 Dental treatment 10.1 Covered dental treatment The Company shall reimburse the following treatments up to the annual limit stated in the List of Reimbursements:
14 a) examination, tooth-cleaning, filling, root treatment, tooth extraction, pivots, bridges, gold inlay, crowns, occlusion bar, periodontitis treatment and dentures. b) tooth adjustment up to the age of 18.
10.2 Waiting period dental cover The right to reimbursement shall take effect three months after commencement of the coverage, however, dental examinations and tooth cleaning shall be covered four weeks after the commencement aand temporary pain-stilling dental treatment in the country of expatriation is covered from the commencement of the coverage. Treatment needs arising before commencement of cover or before the expiry of the waiting period are not covered by the insurance.
10.3 The dentist's assessment of the insured's dental health The Company has the right to reduce or omit reimbursement of expenses for dental treatment and adjustment if the insured's teeth based on a dentist's assessment are in a much worse state than with people of the same age, who attend regular examinations and undergo recommended treatment in this connection.
Art. 11 Compassionate emergency repatriation 11.1 Conditions for compassionate emergency repatriation Coverage is provided upon prior approval by the Company if the covered trip has to be interrupted for one of the following reasons: a) a member of the immediate family in the insured's home country or country of expatriation dies after the insured's departure or becomes seriously and acutely ill or is seriously injured and subsequently hospitalised or suffers a life- threatening acute deterioration of an existing condition, b) burglary, fire or flooding of the insured's private dwelling or in his/her business if a police report or other similar documentation is available and the presence of the insured is required, c) fraud in the business by an employee, if a police report or other documentation is available and the presence of the insured is required, d) strikes in contravention of collective agreements or bankruptcy of the business requiring the presence of the insured.
The insurance shall cover only one repatriation in connection with one event, including one course of an illness.
Repatriation shall only be covered if the time of return is more than 12 hours earlier than the insured's scheduled time of return.
No reimbursement is paid if the member of the immediate family who is the reason for the repatriation is an accompanying traveller who was repatriated at an earlier stage of the trip.
If the insured does not reside permanently in the same country as the member of the immediate family who is the reason for the repatriation the insurance shall cover reasonable and necessary transport costs in connection with the repatriation that are equivalent to the transport costs to the insured's country of expatriation.
11.2 Travelling companion The insured may choose one person as his/her travelling companion. Repatriation shall be carried out from the place of sojourn of the insured.
11.3 Children Co-insured children under the age of 18 are entitled to cover under compassionate emergency repatriation provided that the child's parents or all of the child's travelling companions are compassionate emergency repatriated due to a covered injury.
11.4 Covered additional expenses Additional expenses for aeroplane tickets to home country or the country of expatriation in the same class category as the outward journey are covered (max. business class), and so are reasonable and necessary extra travel expenses incurred by the insured and travelling companion in connection with curtailment of a covered trip.
Expenses for hotel accommodation, meals and local transport while staying in the home country shall not be covered by the insurance.
Furthermore, coverage is provided for a return journey to the point of departure of repatriation if the insured at the time of repatriation had at least one month left of the scheduled duration of the original journey.
The return journey must be effected no later than four weeks after repatriation.
15 11.5 Travelling by motor vehicle in Europe If travelling by a motor vehicle, the insured may use other means of transportation if agreed with the Company. In that event, the insurance shall also cover the expenses of returning the vehicle.
11.6 Company pre-approval Emergency repatriation shall only be covered if pre-approved by the Company.
Art. 12 Replacement employee 12.1 Covered replacement employee Benefits shall be payable if the insured cannot carry out the purpose of the trip as a result of one or more of the following events: a) the insured is hospitalised or the attending physician has prescribed bed confinement for at least four consecutive days on account of covered acute illness or injury, or b) the insured is medically evacuated due to a covered illness/injury, or c) the insured interrupts his/her pre-arranged travel itinerary to return home due to covered repatriation, or d) the insured accompanies a co-insured travelling companion due to a covered illness/injury, e) the insured dies.
12.2 Covered additional expenses Additional expenses for the replacement employee's return aeroplane ticket one time (max. business class), hotel accommodation, meals and local transportation are covered.
The insurance cover a maximum of one replacement employee per incident/illness/injury.
Art. 13 Crisis package 13.1 Evacuation The insurance provides cover for evacuation in case of: a) epidemics in the region where the insured is staying, if the Ministry of Foreign Affairs of Denmark, the Danish embassy or a similar institution recommends evacuation, b) war, invasion, acts of a foreign enemy, hostilities (whether war has been declared or not), civil war, terrorist acts, rebellion, revolution, insurrection, civil commotion, military or usurped power, martial law, riots or the acts of any lawfully constituted authority, or army, naval or air services operations (whether war has been declared or not), in the region where the insured is staying, if the Ministry of Foreign Affairs of Denmark, the Danish embassy or a similar institution recommends evacuation, and has arisen after the insured left for the region, c) natural disasters provided that the Ministry of Foreign Affairs of Denmark, a Danish embassy or a similar institution recommends evacuation.
13.2 Covered additional expenses The insurance provides cover for: a) Transportation to the nearest safe destination, the home country or to the country of expatriation, and a maximum amount of DKK 1,500/EUR 200 per day for documented additional expenses for accommodation, meals and local transportation per evacuation/repatriation per person. Furthermore the insurance shall cover reasonable expenses for the purchase of essential items of clothing with a maximum of DKK 5,000/EUR 670 per person.
The Company shall determine if the insured is to be evacuated to the nearest safe destination, the home country or to the country of expatriation. In the event that the insured is evacuated to the nearest safe estination, documented necessary additional expenses in connection with the return journey to the home country or the country of expatriation shall be covered. b) Crisis counselling/crisis psychologist when the Company's medical consultant determines that crisis counselling should be initiated on the basis of the circumstances pertaining to the reason for the evacuation. c) Telephone crisis counselling/crisis psychologist for relatives, if assessed necessary by the Company's medical consultant.
16 13.3 Special aspects in the event of war or impending war If the insured is detained by the authorities in a country due to war or impending war, the insurance shall provide coverage for up to three months for reasonable and documented extra expenses for accommodation and meals, plus the costs of necessary domestic transportation.
13.4 Search and rescue The insurance provides cover for search and rescue. The insurance provides cover for expenses in connection with a search for up to 14 days and for rescue/recovery when the insured's location has been determined. The insurance sum amounts to DKK 300,000/EUR 40,000 per person. However, the insurance sum amounts to a maximum of DKK 600,000/EUR 80,000 per incident per policy.
It is a condition for compensation: a) that the insured has been reported missing for at least 24 hours to the police or other public authority, b) that the insured has been seen within 120 hours before the notification, c) that the local authorities require payment or guarantee of payment before a search is being initiated, and d) that the Company pre-approves the parties in charge of the search and rescue and the scope.
13.5 Exceptions The insurance does not cover expenses related to search or rescue: a) in connection with kidnapping or hijacking, b) which the Company would not have had if the Company had arranged the search or rescue, c) in cases where public authorities provide cover for such expenses for individuals who do not have this cover, d) in cases where the search has been initiated by relatives because the insured has omitted to inform where the insured is or because the relatives or other persons want to get in contact with the insured, regardless of the reason.
13.6 Reporting missing person When the insured has been reported missing, this must be notified immediately to the Company. The Company cooperates with its international network in the area in question and the Ministry of Foreign Affairs of Denmark and approves the parties in charge of the search.
13.7 Hostage taking and kidnapping When preapproved by the Company's the insurance provides cover for the following, if the insured has been the victim of hostage taking and/or kidnapping a) Reasonable and necessary expenses for home transportation of the insured to the country of expatriation or home country after release. b) Reasonable and necessary expenses for local transportation, meals and hotel accommodation in the period from the time release until the insured is able to return home. c) Compassionate emergency visit of maximum three persons, if the insured is admitted to hospital after release. Coverage is provided when, in the opinion of the attending physician and the Company's medical consultant, the insured is to be hospitalised for at least three consecutive days. The compassionate emergency visits shall be made from the insured's country of expatriation and/or home country.
Coverage for compassionate emergency visit shall cease when the insured is discharged from hospital.
Coverage is provided for the accompanying persons' return flight tickets one time, (business class max.) and reasonable and necessary expenses for accommodation, meals and local transportation.
13.8 Exceptions The insurance does not cover:
17 a) Expenses related to ransom. b) Expenses related to investigation of a hostage taking/kidnapping.
13.9 Ministry of Foreign Affairs of Denmark recommendations Coverage is subject to the insured not previously having neglected to follow an evacuation recommendation from the Ministry of Foreign Affairs of Denmark.
13.10 Company liability The Company cannot be held liable for the extent to which transportation/search/rescue can be carried out may be carried out, but will cooperate with the Ministry of Foreign Affairs of Denmark, the Danish embassy or a similar institution, in such cases where assistance is necessary.
Art. 14 Flight delay and late arrival 14.1 Covered flight delay and late arrival The insurance shall provide cover: a) in case of delays of more than four hours of a booked flight, in case of flight cancellations or in case of overbooking which results in the insured not getting on a booked flight, or b) in case the insured unforeseeably and through no fault of his/her own arrives late to a public means of transportation or a means of transportation arranged by the travel agent and subsequently must catch up on his/her planned itinerary
For the tickets to be covered, it is a condition that the means of transportation have been booked and paid at least 24 hours before departure.
The insurance shall not provide cover if the late arrival is due to a connecting flight not having allowed for the official minimum transit time.
14.2 Covered additional expenses The insurance shall provide compensation for documented, necessary and reasonable additional expenses for hotel accommodation up to DKK 1,500/EUR 200 per insured, though max. DKK 3,000/EUR 400 per day, per household.
The insurance shall provide compensation for documented, necessary and reasonable additional expenses for local transportation and meals up to DKK 500/ EUR 70 per insured per day.
The insurance shall also provide compensation for an aeroplane ticket (max. business class). Additional expenses shall only be covered if they are not covered by the carrier or by another party. The insurance sum amounts to the maximum compensation per trip per family.
14.3 Additional expenses covered in connection with stopovers In the event of a delay in connection with a stopover during which the insured at no point has access to checked baggage, in addition to the coverage described in Art. 14.2, the insurance shall cover documented, necessary and reasonable additional expenses for articles of clothing, toiletries and vital medicines. Coverage requires that the delay lasts a minimum of 12 hours.
The insurance coverage is up to DKK 500/EUR 70 per day per insured.
Art. 15 Delayed baggage 15.1 Covered replacement purchases The insurance shall cover reasonable expenses for the purchase of essential items of clothing, toiletries and essential medicine and perambulator/stroller in cases where registered baggage (proof must be submitted) is delayed for more than three hours after the estimated time of arrival at the destination outside the country of expatriation, on the first journey to the country of expatriation, and on the return journey to the home country after the end of expatriation.
The insurance sum amounts to the maximum compensation per claim.
This benefit will be provided only if: a) the insured provides an original claims report from the carrier.
18 We recommend that the delay is reported to the arrival service at the airport immediately upon arrival at the destination. They will prepare and issue the claims report to you. b) the compensatory purchases were made before the baggage was returned to the insured, c) the original documentation of the expenses defrayed in the form of dated receipts, vouchers or the like, where it clearly is indicated what the defrayed expenses concern, is submitted to the Company, and d) the insured's baggage has been checked in at the same carrier as the insured.
15.2 Exceptions The insurance shall not cover rental/purchase of sports equipment. In addition, indirect losses, e.g. expenses for taxi, hotel and telephone, are not covered.
15.3 Cover upon arrival in country of expatriation Coverage is not provided upon the insured's arrival in the country of expatriation, unless baggage has been delayed for more than 48 hours and the insured needs to embark upon a new journey abroad within 72 hours after expected arrival home. The new journey must have been booked prior to the delay.
Art. 16 Baggage 16.1 Covered baggage
The following items belonging to the insured or the policyholder will be covered on his/her travel outside his/her country of expatriation.
Baggage, electronic equipment, cash, tickets, credit cards, securities and passports.
Photo equipment, video equipment, computer equipment, mobile phones and other electronic equipment, jewellery and watches, as well as keys to a private all-year residence, are only covered if they are brought as hand luggage.
The total maximum reimbursement for photo equipment amounts to DKK 15,000/EUR 2,100 and the total maximum reimbursement for jewellery amounts to DKK 15,000/EUR 2,100. PC equipment is covered at 50 % of the amount insured, max. DKK 15,000/EUR 2,100. The insurance sum amounts to the maximum compensation per claim.
16.2 Limitations As described in the following table, the following limits apply:
Cause / Item Baggage and electronic equipment Cash, tickets and securities
1 Fire, theft, theft from a locked hotel room, a locked home abroad or a locked safety box Up to the sum insured Replacement of keys and 10 % of the sum insured locks for the insured's private all-year residence, up to DKK 1,500/EUR 200
2 Theft, observed when being committed, of valuables carried on or by the insured Up to the sum insured Replacement of keys and 10 % of the sum insured locks for the insured's private all-year residence, up to DKK 1,500/EUR 200
3 Theft from a boot or locker separate from the passenger compartment of a locked boat or motor vehicle Up to the sum insured 10 % of the sum insured Replacement of keys and locks for the insured's private all-year residence, up to DKK 1,500/EUR 200
4 Loss of registered baggage (proof must be submitted) Up to the sum insured (electronic equipment, Not covered however, not covered)
5 Damage to registered baggage (proof must be submitted) Up to the sum insured (electronic equipment, Not covered however, not covered)
19 Art. 16 Baggage (continued)
Cause / Item Baggage and electronic equipment Cash, tickets and securities
6 Theft from the passenger compartment of a locked boat or motor vehicle Not covered Not covered
7 Forgotten, lost or mislaid items Not covered Not covered
8 Theft of baggage left without effective supervision Not covered Not covered
9 Theft from motor vehicle, boat, trailer, hotel room, home or safety box that bear no visible signs of forced entry Not covered Not covered
10 Damaged to baggage caused by food, bottles, glass, etc. packed in insured's own baggage Not covered Not covered
11 Loss in connection with abuse of credit card or traveller's cheques Not covered Not covered
12 Loss of or damage to baggage freighted separately Not covered Not covered
13 Indirect loss Not covered Not covered
14 Simple theft Not covered Not covered
However, In case of simple theft of luggage which However, In case of simple theft of luggage which is left standing next to/behind the insured, the is left standing next to/behind the insured, the insurance covers up to the sum of DKK 5,000/EUR insurance covers up to the sum of DKK 5,000/EUR 670. 670.
15 Minor damage to the exterior of baggage (scratches, stains, dents) Not covered Not covered
Exceptions for cover: a) Baggage and electronic equipment of any nature for commercial use, including travellers samples, dealers stock and collections. b) Bicycles, sports equipment and accessories for such items. c) items that cannot be documented and where it is customary that the insured can document their loss.
16.3 Calculation of compensation Compensation for the insured's lost or damaged valuables is calculated according to the following principles: a) the insurance shall cover the replacement cost of comparable new items if the lost/damaged items are less than two years old (proof must be provided), b) for items more than two years old, purchased second-hand or already damaged, compensation will be fixed at the replacement cost of comparable new items less a fair deduction for deterioration due to age, wear and tear, reduced usability or any other circumstance. This also applies to items for which no documentation of age and value can be provided, c) the Company may choose to have damaged items repaired or pay an amount corresponding to the costs of repair, d) the Company is entitled, but not obliged to provide compensation in kind, e) coverage for film and video recordings and the like is limited to the cost of the raw materials, f) the insurance shall cover the costs of replacing tickets, credit cards, securities and passports. The costs include necessary transportation charges, fees, photos, etc., but not compensation for the time involved in replacing the items.
The Company shall only be liable to pay compensation if the insured items are handled and stored safely, and if the insured exercises due care. Not exercising due care means for example leaving baggage
unsupervised in a public place to which the public has access in any place where it can be taken without insured's knowledge in such a distance that insured is unable to prevent it being taken
20 16.4 Reporting Any theft or robbery must be reported to the nearest police authority. Loss of or damage to registered baggage (proof must be submitted) must be reported to the airline company or the like. If, in exceptional circumstances, it is not possible to notify the relevant local authority, e.g. due to imminent departure, such notification must be made to the Company as soon as possible upon the insured's return home. Copy of the police report, airline report or the like must be submitted to the Company at the latest together with the claim.
16.5 Deductible on contents insurance and car insurance While travelling outside the country of expatriation, the insurance covers the deductible that affects the insured in the event of reimbursable damage according to the insured's contents, house or car insurance terms.
The damaged car must be a private passenger car belonging to the insured or the household and must have been brought along on the business trip. Reimbursement is even given for the deductible that affects the insured in the event of reimbursable damage to a private short-time rented, insured passenger car hired by the insured, which has been used for or been parked unused due to an official business trip. The damage must first be dealt with by the insurance provider according to the insured's contents/house or car insurance terms. The highest reimbursement amount is DKK 15,000/ EUR 2,000 per loss.
Art. 17 Household contents and Special household contents 17.1 Covered household contents The insurance will cover ordinary private household contents and special household contents owned by the persons stated in the policy schedule, plus contents for which they bear the risk. Cover is restricted to the country of expatriation.
17.2 Ordinary household contents Ordinary private household contents comprises private belongings, including all usual contents of a private home, unless mentioned separately in Art. 17.3 or excluded in the cover chart.
17.3 Special household contents Special household contents are defined as antiques, works of art, paintings, genuine carpets and rugs, musical instruments, fur coats, gold, silver, platinum, pearls, precious stones, jewellery and watches. Special household contents are covered by up to 25 % of the insurance sum, however, a maximum of DKK 70,000/EUR 10,000 per policy year applies.
As described in the cover chart, the following limits apply:
All amounts ar in DKK/EUR
Cause / Item Ordinary household contents Special household contents
1 Fire, including damage caused by heat, smoke, soot or measures used in connection with extinguishing a fire Up to the sum insured 25 % of the sum insured, max. DKK 70,000/EUR 10,000 per policy year
2 Damage by fire that cannot be classified as an uncontained fire Not covered Not covered
3 Damage to items exposed to fire or heat in order to be heated, cooked, ironed, dried or the like, and thereby Not covered Not covered catch fire or are damaged as a result of this
4 Damage to electrical machinery, wires, cables, equipment, including radio and TV sets and the like caused by Not covered Not covered a hot circuit or any other purely electrical phenomenon – including induction caused by electric storms – which do not result in fire
5 Damage caused by explosion and direct strikes of lightning Up to the sum insured 25 % of the sum insured, max. DKK 70,000/EUR 10,000 per policy year
6 Damage caused by air crashes or falling debris from an aircraft Up to the sum insured 25 % of the sum insured, max. DKK 70,000 / EUR 10,000 per policy year
7 Damage caused by explosives carried by an aircraft Not covered Not covered
8 Damage caused by water, oil, radiator coolants or the like suddenly escaping from installations, aquaria or Up to the sum insured 25 % of the sum insured, max. DKK 70,000/EUR 10,000 per policy year other containers with a capacity of 20 litres or more (i.e. not seeping and dripping)
21 Art. 17 Household contents and Special household contents (continued)
Cause / Item Ordinary household contents Special household contents
9 Damage from gutters and downspouts or damage caused by rising groundwater or sewage Not covered Not covered
10 Damage incurred when filling oil tanks or other containers Not covered Not covered
11 Damage due to building and repair work Not covered Not covered
12 Damage caused by frost bursts in an inadequately heated building, unless caused by temporary failure of the Not covered Not covered heating supply
13 Damage caused by storms, including loss or damage caused by rain if the building where the insured items Up to the sum insured 25 % of the sum insured, max. DKK 70,000/EUR 10,000 per policy year are kept is also damaged by a storm
14 Reasonable expenses for damage incurred by salvaging and preserving the insured items Beyond sum insured Beyond sum insured
15 Burglary and vandalism Up to the sum insured, cash max. DKK 2,000/EUR 280 25 % of the sum insured, max. Replacement of keys and locks at the insured's residence, maximum DKK DKK 70,000/EUR 10,000 per policy year. 1,500/EUR 200
16 Theft from a home where the burglar has gained access through open or unfastened windows, unclosed and Not covered Not covered unlocked doors showing no visible signs of forced entry
17 Theft where access is obtained by means of a correct or a false key Not covered Not covered
17 Theft where access is obtained by means of a correct or a false key Not covered Not covered
18 Simple theft Not covered Not covered
19 Theft from a home that has been unoccupied for more than 2 months Not covered Not covered
20 Theft from a locked luggage compartment or box separate from the passenger compartment of a motor Max. 10 % of the sum insured Not covered vehicle
21 Theft from a locked luggage compartment or box separate from the passenger compartment of a motor Not covered Not covered vehicle with no visible signs of forced entry
22 Robbery and theft, observed when being committed, of valuables carried on or by the insured Max. 10 % of the sum insured. Cash: max. DKK 2,000/EUR 280 Max. 10 % of the sum insured. Cash: max. DKK 2,000/EUR 280. Replacement of keys and locks at the insured's residence, maximum DKK 1,500/EUR 200
23 Theft of bicycles which are carefully locked Max. 10 % of the sum insured Not covered
24 Motor vehicles (including mopeds), motorised garden implements of more than 5 HP, caravans, aircrafts and Not covered Not covered boats as well as spare parts and accessories
25 Cash, money substitutes and securities, see item 22 Not covered Not covered
26 Coins and stamp collections Not covered Not covered
27 Special household contents stored in lofts, cellars, outhouses and garages Not covered Not covered
28 Forgotten, lost, mislaid or left items Not covered Not covered
29 Indirect loss Not covered Not covered
22 Art. 17 Household contents and Special household contents (continued)
Cause / Item Ordinary household contents Special household contents
30 Loss of registered baggage in the country of expatriation, which is not covered under Art. 16 10 % of the sum insured, however max. DKK 30,000 per claim per family Not covered (Electronic equipment, jewellery, cash, tickets and securities, however, not covered)
17.4 Loss in connection with covered evacuation In the event of a covered evacuation, e.g. civil commotion, which means that the insured is forced to leave his residence or country of residence without securing his belongings which are consequently lost, the insurance shall cover loss of household contents up to the sum insured.
17.5 Change of residential address abroad The insurance shall cover the abovementioned items when they are kept at the address stated in the policy schedule. In case of change of address abroad, coverage is provided for up to 14 days from the actual take-over of the new residence for year-round occupancy in both the old and the new residence. However, the insurance shall not cover property being moved or any other property handed over for transportation against a fee.
17.6 Reimbursement estimation The estimation of the reimbursement of the objects will be based upon the following principles: a) the insurance shall cover the replacement costs for comparable new items provided that the items are less than two years old, b) for items more than two years old, purchased second-hand or already damaged, compensation shall be fixed at the replacement cost for comparable new items less a fair deduction for deterioration due to age, wear and tear, reduced usability or any other circumstance. This also applies to items for which no documentation of age and value can be provided, c) the Company may choose to have damaged items repaired or pay an amount corresponding to the costs of repair, d) the Company is entitled, but not obliged, to provide compensation in kind, e) coverage for film, video and tape recordings and the like is limited to the cost of the raw materials, f) the insurance shall cover the costs of replacing tickets, traveller's cheques, credit cards, securities and passports. The costs include necessary transportation charges, fees, photos, etc., but not compensation for the time involved in replacing the items.
The Company shall only be liable to pay compensation if the insured items are handled and stored safely, and if the insured exercises due care.
17.7 Reporting Robbery, theft, burglary or vandalism of items worth more than DKK 1,500/EUR 210 must be reported to the nearest police authority and the original receipt must be filed with the Company.
17.8 Damaged items If items are damaged, they must not be thrown away until the Company has granted its permission or the extent of damage has been defined. On request, the insured must send the damaged items to the Company.
17.9 Obligatory disclosure of information The insured must provide the Company with any information that might clear up the matter and fill in a Claim Form. The insured must specify the items for which he/she is claiming compensation, including the nature, brand, type, age, original purchase price and purchase price immediately before the loss or damage. In addition, the insured must submit documentation for the age and value of the items in the form of original receipts, guarantee certificates or similar original documentation to the Company.
Art. 18 Personal liability — bodily injury and property damage 18.1 Conditions for personal liability The insurance shall cover the following:
23 a) legal liability for any bodily injury or property damage incurred by the insured under the existing laws of the country in which such injury or damage occurs, b) costs of settling the compensation issue defrayed in agreement with the Company, c) damage to a rented holiday home/hotel and the contents of a rented home, d) injury caused by active participation in skiing, snowboarding, tobogganing, or the like, max. DKK 50,000/EUR 6,700 per incident.
18.2 Exceptions Exceptions for compensation: a) liability for contractual liability, with the exception of damage to items covered under Art. 18.1 c), b) claims arising out of or incidental to the insured's business, employment or work, c) claims arising as a consequence of the insured having incurred, by contract or in any other way, liability which is more extensive than that incurred under the general statutory provisions on noncontractual liability, d) loss of or damage to personal property which is not comprised by Art. 18.1 c) and which the insured owns, has on loan, on hire, or for storage or use, or which is in his/her care for transporting, processing or treating purposes, or which is in his/her possession or care for any other reason, e) loss or damage caused by the insured's domestic animals, f) claims arising as a consequence of the insured having transmitted a disease to another person via infection or otherwise, g) loss or damage caused by the use of a motor vehicle or trailer, aircraft including drones/UAV and remote operated aircrafts and boat measuring at least three metres, including the sail or engine or motor, or boats measuring less than three metres if the engine power exceeds 3 HP, h) loss or damage caused by incidents for which no-one can be held liable.
18.3 Fines and punitive charges The insurance shall not cover fines or punitive charges.
18.4 Insurance sum The insurance sum stated on the policy schedule for property damage and bodily injury is the highest limit of the Company's liability for any individual insurance event, even if it results in several losses or incidents of damage, even if several individuals can be held liable, and even if coverage is provided under one or more policies taken out with the Company.
18.5 Insured's recognition of liability to pay compensation The insured cannot — with binding effect for the Company — recognise liability to pay compensation for any loss, damage or injury caused by him/her.
Art. 19 Legal aid 19.1 Covered expenses The insurance shall cover legal aid pursuant to the "Almindelige betingelser for Retshjælp for Familieforsikringer med indbodækning"of the Danish Insurance Association (Forsikring & Pension), which can be obtained by contacting the Company.
If the attorney fee is calculated as a fraction of the value of the item in question, the insurance shall cover attorney fees with a maximum of DKK 50,000/EUR 7,000.
19.2 Deductible Legal aid is subject to a 10 % deductible of the total costs, however, not less than DKK 2,500/EUR 350.
19.3 Exceptions Exceptions for compensation under legal aid:
24 a) court or arbitration cases between the insured and the travel agency, tour operator or the travel supplier, b) disputes between the insured and the Company, c) actual compensation, fines or punitive charges, d) litigation regarding contracts, the insured's business, employment or work, e) litigation regarding liability arising out of the use of motor vehicles, aircraft or boats in general, f) litigation concerning narcotics, g) litigation concerning weapons, h) cases concerning the insured's participation in criminal acts.
In addition, the limitations and exceptions stated in the "Almindelige betingelser for Retshjælp for Familieforsikringer med indbodækning" issued by the Danish Insurance Association (Forsikring & Pension) shall apply.
Art. 20 Security/bail and legal assistance 20.1 Security/bail The insurance shall cover payment that can permanently or temporarily release the insured or his/her property from detention by local authorities.
This is provided as an interest-free loan repayable to the Company immediately after release or on demand. If the security/bail is seized because the insured fails to pay a fine or compensation that he/she has been ordered to pay, or because the insured does not appear in court, or if the insured is in any other way liable for the seizure, such security/bail shall be deemed an interest-free loan repayable to the Company immediately after seizure.
20.2 Legal assistance Necessary and reasonable attorney fees shall be covered until the case has been decided by a court of the first instance, if during the period of expatriation, the insured is charged or indicted for a criminal offence which occurred during the period of expatriation. If the insured is convicted before a court of the first instance for the criminal offence, the insured's attorney fees will be deemed an interest-free loan repayable to the Company on demand.
The appointment of a foreign attorney to represent the insured is subject to approval by the Company.
20.3 Compassionate emergency visit The insurance shall cover the cost of a round-trip ticket for 2 persons chosen by the insured to travel to the location of the insured and back to the country of expatriation if the insured is detained by local authorities for more than 48 hours. Coverage is provided for a maximum of an economy round-trip ticket to the place of detention and for necessary and reasonable expenses for accommodation and meals.
20.4 Travel expenses The insurance shall cover the insured's travel expenses if the insured is summoned to appear as a witness or to be examined before a court of law outside the country of expatriation.
20.5 Deductible Coverage in connection with legal assistance is subject to a 10 % deductible of the total costs, however, not less than DKK 2,500/EUR 350.
20.6 Exceptions for coverage under Security/bail and legal assistance Exceptions for compensation: a) Legal issues arising between the insured and the travel agency, tour operator or the travel supplier, b) legal issues regarding contracts, the insured's business, employment or work, c) legal issues relating to family law and the law of succession,
25 d) legal issues arising between the insured and the Company, e) cases not arising during the the period of expatriation, f) litigation regarding liability arising out of the use of motor vehicles, aircrafts or boats, g) de facto compensation, fines or punitive charges, h) collection cases.
Art. 21 Fulltime accident, Disability, Reduced working capacity and dental treatment caused by an accident 21.1 Cover accident If the policyholder has taken out coverage for accident, compensation shall be paid by the insurance in the event of an accident that directly, without the influence of any illness, causes the insured's death or results in a permanent disability.
An accident is defined as:
A sudden event that causes personal injury.
21.2 Death Compensation in case of death becomes payable when an accident directly results in the insured's death within one year after the accident.
Unless the Company has received written instructions to the contrary, the insurance sum shall be paid to the insured's closest relative.
If compensation in the event of disability was paid as a consequence of the accident, the amount of compensation payable is the amount by which the death benefit exceeds the payment already made.
21.3 Permanent disability If an accident has resulted in permanent disability corresponding to a degree of permanent disability of at least 5 %, compensation for permanent disability becomes payable.
Regardless of cover, the degree of permanent disability is determined according to the table drawn up by the National Board of Industrial Injuries in Denmark (Arbejdsmarkedets Erhvervssikring), taking into account the medical nature and scope of the accident, but not the insured's occupation. The degree of permanent disability cannot exceed 100 %.
The degree of permanent injury is assessed as soon as the final consequences of the accident become apparent and no later than three years after the accident.
Any existing disability shall not entitle the insured to compensation, and shall not result in payment of a benefit higher than that payable if the insured had not been disabled.
Disability benefit shall only become payable if the insured is still alive at the time of payment.
21.3.1 Basic Fulltime Accident Cover If the policyholder has taken out the Basic Fulltime Accident Cover, the compensation shall amount to a percentage of the insurance sum corresponding to the degree of permanent disability.
If an accident has resulted in disablement of hands, fingers, or eyesight, the compensation will amount to two times the percentage disability of the insurance sum.
The compensation shall never exceed the amount of the insurance sum.
21.4 Disablement of hands, fingers or eyesight If an accident has resulted in disablement of hands, fingers or eyesight, the usual degree of disability calculated is doubled up to a maximum of 100 %.
21.5 Change in vision if an accident affects the insured's vision, such that the insured needs glasses or has to have his/her glasses replaced, reasonable and documented expenses shall be covered.
26 21.6 Reduced ability to work If an accident has caused a permanent reduction of the insured's ability to earn a living, succeeding the stabilisation of the insured's state of health, the loss of the insured's ability to work shall be covered. The loss of the insured's ability to work is calculated according to section 5 of the Danish Liability for Damages Act (Erstatningsansvarsloven). Furthermore, if the insured's loss is at a minimum of 15 %, the insured's right to compensation for the loss of ability to work is 25 % of the disablement compensation, which is reimbursed according to Art. 21.3.
21.7 Dental treatment caused by an accident If the insured cannot claim compensation elsewhere, dental treatment which can bring the teeth back to the state they were in before the accident is covered as follows: a) Dental injuries caused by an accident are covered with reasonable and necessary expenses (up to the sum insured) for dental treatment, b) chewing injuries caused by chewing, no matter what the reason may be, are covered with reasonable and necessary expenses for dental treatment up to max. DKK 10,000/EUR 1,400 per insured per policy year.
Dental treatment must be completed within five years after the accident. For insured persons having suffered a dental injury caused by an accident before they turn 18 years old, dental treatment must be completed before they turn 25 years of age.
Dental treatment shall only be covered if preapproved by the Company.
Treatment must be initiated during the expatriation period, but final treatment may, if necessary, take place in the home country.
Expenses relating to dentures are not covered.
21.8 Exceptions Exceptions for compensation and special provisions: a) any illness and activation of latent predisposition, even if the illness is due to or worsened because of an accident, b) accidents caused by an illness, c) worsening of the consequences of an accident caused by a present or randomly occurring illness, d) after-effects of medical treatment not required as a result of an accident covered by the insurance, e) the Company is entitled to reduce or refuse to pay compensation for dental treatment if the condition of the insured's teeth before the accident, in a dentist's opinion, is much worse than would be expected of persons of the same age, who regularly have dental check-ups and treatment, f) if the insured is under age 18, compensation in case of death is limited to DKK 25,000/EUR 3,500, g) if the insured is age 75 or above at the time of the accident the compensation payable will constitute 50 % of the applicable insurance sum, h) property damage shall not be covered by the insurance.
21.9 Physician's instructions The insured must continue to receive medical treatment and comply with the physician's instructions.
21.10 Company's right to obtain information The Company shall be entitled to obtain information from any physician who is treating or has been treating the insured, to subject the insured to treatment by a physician chosen by the Company, and in case of death to demand an autopsy.
27 Art. 22 Fulltime accident — Assault 22.1 Assault If the policyholder has taken out coverage for assault, the policy provides coverage for assault resulting in demonstrable bodily injury or death.
If, during the insurance period, the insured is assaulted by a person, and the assault results in demonstrable bodily injury, the compensation payable under the insurance shall equal the amount that the Danish courts would order a tortfeasor to pay under the provisions of the Danish Liability for Damages Act (Erstatningsansvarsloven) for an assault occurring under similar circumstances in Denmark.
Including:
Medical expenses Loss of earnings Compensation for pain and injury Compensation for permanent disability
The Company shall only become liable to pay compensation if the assault is reported to the local police as soon as possible, if a police report is made and the original documents sent to the Company, if the insured consults a local physician, dentist or hospital immediately after the assault and if a medical certificate is obtained and the original document sent to the Company.
22.2 Exceptions Exceptions for compensation and special provisions: a) if the insured is under age 18, compensation in case of death is limited to DKK 25,000/EUR 3,500. b) if the insured is over age 75 the compensation payable will constitute 50 % of the applicable insurance sum. c) the insurance shall not provide cover for assaults committed by the insured's travelling companions or any co-insured persons, nor shall it provide cover for arbitrary assaults by a person known to the insured.
Art. 23 Life insurance and disability due to illness 23.1 Life insurance and disability due to illness If the policyholder has taken out coverage for life insurance and disability due to illness, the insurance shall provide compensation if the insured suffers permanent disability or dies as a result of an illness occured during the insurance period for Life insurance and disability due to illness, respectively.
The coverages are taken out with the Danish company Topdanmark Livsforsikring A/S, registration no. CVR 19625087. Topdanmark Livsforsikring A/S as the insurer shall be liable for any claim under Art. 23.
23.2 Disability due to illness — Permanent disability If an illness, contracted during the insurance period for disability due to illness, has resulted in a degree of disability corresponding to at least 5 %, the insured is entitled to compensation for disability.
Furthermore, the insurance shall cover disability caused by a tropical disease occurred during the expatriate stay. The degree of disability is determined according to the same guidelines as with disability caused by illness.
Coverage is subject to the degree of disability being determined medically at no less than 5 % and no more than 100 % by a physician. The degree of disability is determined when the health condition of the insured has stabilised and is not expected to change, however, no later than three years after the illness arose.
The degree of disability is determined according to the table drawn up by the National Board of Industrial Injuries in Denmark (Arbejdsmarkedets Erhvervssikring), taking into account the medical degree of disability, but not the insured's occupation. Thus, a possible reduction of the permanent ability to work is not taken into consideration.
The compensation shall amount to twice the degree of permanent injury corresponding to the percentage of the insurance sum. Regardless of the fact that several body parts are permanently disabled, the degree of disability cannot exceed 100 %. Any existing disability will not result in the determination of a higher degree of permanent injury than the one determined if the insured had not been disabled.
The insured must continue to receive medical treatment and comply with the physician's instructions.
28 It is a condition for the liability of the Company that the insured has complied with the recommendations of the WHO and/or the National Serum Institute in Denmark (Statens Serum Institut) regarding vaccinations and prophylaxis including medical malaria prophylaxis when travelling to the area in question.
Compensation shall be paid to the insured who must be alive at the time when compensation is sought. The insurance sum is the sum determined by the policyholder, which was applicable when the illness first occurred and which amounts to the total compensation per insured in case of 100 % disability.
23.3 Life insurance — Death If the insured passes away during the expatriation period as a consequence of a disease contracted during the insurance period for life insurance, the insurance sum shall be paid to the closest relatives of the deceased, unless a beneficiary is mentioned in the policy schedule.
The compensation in connection with the death of an insured is the insurance sum chosen by the policyholder, which was applicable at the time of death.
The claim for compensation for death has a three-year statute of limitation calculated from when the beneficiary was made or should be aware of the claim against the Company. Limitation arises no later than 10 years after the death arose.
23.4 Same disease The same disease cannot result in compensation for both permanent disability and death. Therefore, compensation for permanent disability is deducted from a possible compensation for death if the compensation for death is higher than the compensation for disability, and if the death is caused by the same disease causing the disability.
23.5 Exceptions for compensation The insurance shall not cover: a) any illness/disorder that was present or has shown symptoms before the commencement of the insurance period of disability and life insurance, respectively, b) Compensation for death of persons under the age of 18, c) persons who at the time of injury are 65 years old or more, d) injuries caused by an accident. An accident is defined as a sudden external event that causes personal injury.
23.6 Reporting to the Company If a reimbursable incident arises, this must be reported to the Company as soon as possible by filling out a claim form. Due to the evaluation of the liability of the Company, it is important that the incident is described in detail in the claim form. If the insured has undergone medical treatment by a physician and/or a hospital, this must be stated clearly in the claim form with information of name and address of the physician and/or hospital.
If the insured has a medical report or hospital file, the originals must be submitted.
The Company is entitled to collect information from any physician or hospital that is treating or has been treating the insured, and have the insured examined by a physician selected by the Company.
In case of death, the Company is entitled to demand an autopsy and to receive the autopsy report and a copy of the death certificate.
23.7 Expiration upon leaving group agreement If the insured leaves the group agreement, any claim for disability compensation must be put forward within 6 months after leaving the agreement. The same rule applies if the agreement between the Company and Topdanmark ceases.
Art. 24 Reimbursement 24.1 Covered expenses The insurance shall cover the insured's expenses in accordance with the chosen coverage stated in the policy schedule.
24.2 Reimbursement amount Reimbursements shall be limited to the usual, reasonable and customary charges in the area or the country in which the treatment is provided.
29 The insurance does not cover treatment, which has not yet been performed.
Any amount the Company decides to reimburse, will count toward the annual maximum insurance sum.
The Company converts currencies from the, at any time valid, average price, set by Danmarks Nationalbank.
The calculation of reimbursement according to the actual applied exchange rates will only be possible, if documentation for the used exchange rates is submitted together with the claim form and thereby included in the initial evaluation of a claim. It is not possible to re-evaluate the reimbursed amount at a later stage by submitting such documentation for an exchange rate difference once the processing of a claim has been completed and the reimbursement has been paid according to the exchange rates set by Danmarks Nationalbank.
24.3 Discounts Any discount which has been negotiated directly between the Company and providers will be specifically used by the Company for the overall benefit of the insured persons within the insurance product as a whole.
24.4 Insurance sums Unless otherwise stated in the policy schedule, the stated insurance sums per individual coverage represent the limit of the Company's liability to pay compensation in respect of all insurance events per trip.
24.5 Repayment obligation In no event shall the amount of reimbursement exceed the amount shown on the bill. If the insured receives reimbursement from the Company in excess of the amount to which he/she is entitled, the insured shall be under the obligation to repay the Company the excess amount immediately, otherwise the Company will set off the excess amount in any other account between the insured and the Company.
Art. 25 Exceptions for reimbursement 25.1 Exceptions
The Company shall not be liable to pay compensation incurred for any accident and illness/death and shall not be liable to reimburse expenses which concern, are due to or are incurred as a result of:
a) dental condition that does not arise acutely during the insured's trip, and where dental treatment received is not a temporary pain-stilling measure and could have been postponed until the insured's arrival home, and all kinds of dentures, b) venereal diseases, c) any form of fertility test/treatment, including hormone treatment, insemination or other related treatments, d) induced abortion unless medically prescribed, e) non-medically essential or cosmetic surgery and treatment, f) obesity and/or diabetes surgery, g) contraception, including sterilisation, h) treatment of sexual dysfunction, i) the use or misuse of alcohol, drugs and/or medicine unless it can be documented that the illness or injury is unrelated thereto, j) injury sustained by the insured while in a state of wilfully self-inflicted intoxication, and if such intoxication is a major contributory cause of the injury, k) intentional self-inflicted bodily injury, the insured's suicide or the insured's suicide attempts, l) injury caused by gross negligence and/or with intent,
30 m) any kind of care which is experimental, treatment by naturopaths or homoeopathists and naturopathic or homoeopathic medications and other alternative methods of treatment and any kind of care which is not part of the medical or surgical treatment, n) treatment for illness arising during military service, o) injuries directly or indirectly arising from active participation in war, invasion, hostilities, civil unrest (whether or not war has been declared), civil war, terrorist activity, riot, revolution, insurrection, military or other usurpation of power, military state of emergency, and military land, naval or air operations (whether or not war has been declared), p) the insured being engaged in active demining or any other work related handling of explosives q) nuclear reactions or radioactive waste, r) treatment administered by the insured, the insured's spouse, parents or children or a business belonging to one of the aforesaid persons, s) medical expenses incurred during epidemics for which the public authorities have taken over the treatment, t) the insured's refusal to observe, or nonobservance of, instructions given by the Company's medical consultant and the attending physician, u) the insured's refusal to be evacuated; cf. Art. 6.2, v) claims incurred as a direct or indirect consequence of strikes, lockout, arrest, seizure or other measures taken by public authorities, w) transportation covered by the insurance which has not been arranged by the Company. However, an amount corresponding to the expenses that the insurance company would have incurred for such transportation will be covered, x) professional sport, y) expeditions, mountaineering and trekking in Antarctica and the North Pole.
25.1.1 The insurance does not cover Furthermore, the Company does not cover expenses for: a) medical certificates which have not been required by the Company, b) recreational and spa treatments, c) hearing aid and orthopaedic appliances, d) binding, bandages and arch supports, e) crises such as unemployment, job changes, etc., as well as life crises such as divorce, illness and death, etc. However cf. Art. 5.1 j).
Art. 26 Claim reporting 26.1 Claim form Hospitalisation, compassionate emergency repatriation, medical evacuation, next-of-kin accompaniment, compassionate emergency visit, evacuation, death, and any accidents shall without undue delay be reported to the Company. Notification should be made by telephone or e-mail to the Company's 24 hour emergency service; the Company shall defray all expenses incurred in this connection.
The Company shall always receive a filled-in and signed claim form, including original, signed and itemised bills, police report and other required documentation.
In addition, the Company is entitled to seek information about the insured's state of health and to contact any hospital, physician, etc. who is treating or has been treating the insured for physical or mental illnesses or disorders.
Furthermore, the Company is entitled to obtain any medical records or other written reports and statements concerning the insured's state of health.
31 The Company scans original bills upon receipt. Any retrieval of the original invoice is not possible. The scanned bill stamped "Certified as a true Copy" represents the original.
26.2 Duty of disclosure The insured shall be obliged to co-operate in providing the Company with any information that may help clarify the insurance event, and must complete a claim form and supply all relevant documents, including a written statement of the circumstances, etc.
Also, the insured must inform the Company about any coverage taken out with another insurer.
26.3 Insurance abuse The policyholder and the insured shall be liable for any breach of policy conditions by the insured.
26.4 Complaints of claims handling Complaints of the Company's claims handling must be filed without undue delay and not later than six months after the claim has been decided.
Art. 27 Cover by third parties 27.1 Other insurance In case of cover by another insurance company or the National Health Service, the Company shall be informed hereof when the claim is reported and cover under this insurance will be subsidiary to such other cover. If this is the case the Company will coordinate the payment of compensation with the other insurance company, and is only obliged to pay its own proportional part of the costs.
27.2 Public cover If the claim has been covered in whole or in part by any scheme, programme or similar, funded by any Government, the Company shall not be liable for the amount covered.
27.3 Obligation of co-operation The policyholder and any insured person undertake to co-operate with the Company and to notify the Company immediately of any claim or right of action against third parties.
The policyholder and any insured person shall keep the Company fully informed and shall take any reasonable step in making a claim upon another party and to safeguard the interests of the Company.
27.4 Subrogation In any event, the Company shall have the full right of subrogation.
Art. 28 Premium payment 28.1 Premium regulation Premiums are determined by the Company. The premium is adjusted every year at the annual renewal date on the basis of adjustment of insurance sums, number of travel days, cover, historical claims performance and expected claims performance.
28.2 Payment terms The policyholder can choose between quarterly, semi-annual or annual premium payment. The first premium falls due for payment on the commencement date of the policy.
Any change in the date of payment is subject to one month's written notice to expire at the annual renewal date.
28.3 Party responsible for payment The policyholder shall be liable for the punctual payment of the premium to the Company.
28.4 Fees In case of non-payment, and forwarding of reminders, the Company has the right to collect reminder's fees, in accordance with the at all times valid rules.
The Company reserves the right to regulate fees, to the extent that they do not cover the actual expenses of the Company.
28.5 Premium tax In addition to paying premiums, the policyholder also may have to pay the amount of any Insurance Premium Tax (IPT) and any new taxes, levies or charges relating to his/her policy that may be imposed after he/she joins and that the company is required by law to pay or to collect from the policyholder, driven primarily in principal by the country or residence of the policyholder. The policyholder is required to pay to the company any such IPT, taxes, levies and charges as well as premiums, unless otherwise required by law. Total premium charged will be inclusive of IPT, taxes, levies or charges.
32 Art. 29 Assignment, termination, cancellation and expiry 29.1 Requirements applicable to insurance assignment Without the prior written consent of the Company, no party shall be entitled to create a charge on or assign the rights under the insurance.
29.2 Right of cancellation The policyholder and/or the Company can cancel the insurance with one month's written notice to the anniversary date, unless another written agreement has been made with the Company. If the insurance is not cancelled, it shall be renewed for another 12 month period. After registering a claim, the policyholder and the Company shall be entitled to cancel the insurance with one month's notice within 14 days after reimbursement or rejection of the claim. The Company's liability and duty to pay reimbursement shall cease automatically upon the expiry of the insurance period. Upon expiry of the insurance, the right to compensation shall cease. However, eligible expenses incurred during the insurance period shall be reimbursed for up to six months after the expiry of the insurance.
29.3 Extension for 48 hours Expiry of the insurance can be delayed by up to 48 hours without additional premium payment, if the insured is delayed on the return journey through no fault of his/her own.
29.4 Fraudulent and incorrect information In the event that the policyholder and/or the insured at any time changed original documents, including information related to the taking out of the insurance, made misrepresentations or withheld circumstances which must be assumed to be of importance to the Company, the insurance contract shall be void and the Company free from liability in the event that the Company would not have accepted the insurance had the correct circumstances been disclosed. In the event that the Company would have accepted the insurance, but on other terms, the Company shall be liable to the extent to which the Company would have committed itself for the agreed premium.
29.5 Company liability Where, upon taking out the insurance, the policyholder and/or the insured neither knew nor should have known that the information disclosed by him/her was incorrect, the Company shall be liable as if such incorrect information had not been disclosed.
29.6 Expiration upon leaving group agreement The policyholder must inform Bupa Global immediately when an insured leaves the company, is no longer expatriated or for other reasons should leave the group agreement. The cover shall lapse when the Company receives such information.
However the insurance is extended to cover medical costs in connection with:
1) Acute illness or injury in the home country for maximum one month after repatriation. Illnesses or injuries that occurred or displayed symptoms during the period of expatriation are not covered. The extension is valid for persons who, at the time of repatriation, may have a waiting period before they can obtain coverage within the public health service or other public or private medical insurance in their home country.
Exceptions to cover: a) Expenses for medical costs in connection with acute illness or injury after the first month after repatriation are not covered by the insurance. This is regardless of the former expatriates' possibility to obtain coverage within the public health service or other public or private medical insurance in their home country. b) Dental treatment is not covered.
2) 2.1: Consequences of an illness or accident that occurred during the period of insurance. Cover for max. 12 months after the end of the insurance. It is a condition for cover that the illness or accident occurred during the time of expatriation and that the disease or accident in question has been eligible for cover in accordance with the valid conditions at the time the illness or accident first occurred. Furthermore, it is a condition that the insured has received treatment for the illness or accident during the period of expatriation. The wanted treatment must be pre-approved by the insurance company before treatment can take place. 2.2: Medically prescribed treatment of mental disorders by a psychologist, psychiatrist and during hospitalization at a psychiatric department, including crisis counselling/crisis psychologist treatment. Cover with a maximum sum of DKK 20,000/EUR 2,700 per person and for maximum of 12 months after the end of the insurance.
Exceptions to cover: a) If the insured is covered for treatment under the social security system of the home country, or other public or private medical insurance, or similar. b) Treatment in a private system, including private hospitals, if the possibility of treatment in a public system exists. This is despite the fact that there might be waiting periods for treatment in the public system. c) Transportation expenses to and from the place of treatment is not covered by the insurance. d) If the insured is a resident of, or expatriated to, an EU/EEA country, cover is not provided for treatment outside the EU/EEA.
33 e) Cover is not provided for treatment of diseases and conditions that occurred, or for which symptoms have been present, before the start of the expatriation period, regardless if these have worsened during the period of expatriation. f) Prescription medicine prescribed for treatment of illnesses and chronic diseases that occurred during the period of expatriation. However, prescription medicine during hospitalisation and up to 14 days after hospitalisation, is covered. g) If the group agreement for expatriation for the Organization is terminated, the cover ends per the agreement exipiry date, even if the period of 1 or 3 months respectively, has not passed since the end of the expatriation of the insured. h) Dental treatment is not covered.
29.7 Termination of product The Company can stop or suspend an insurance product at 3 months' written notice to the policy anniversary.
29.8 Sanction clause The Company will not provide cover nor pay claims under this insurance policy if the Company's obligations (or the obligations of the Company's group companies and administrators) under the laws of any relevant jurisdiction, including Denmark, UK, European Union, the United States of America, or international law, prevent the Company from doing so. The Company will normally tell the policyholder if this is the case unless this would be unlawful or would compromise the Company's reasonable security measures.
This insurance policy does not provide cover to the extent that such cover would expose the Company (or the Company's group companies and administrators) to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, UK or United States of America, or under other relevant international law.
Art. 30 Disputes, venue, etc. 30.1 Complaints manager In the event of disputes arising out of the insurance relationship, the policyholder and/or the insured must write a letter to Bupa Global Travel, Palægade 8, DK-1261 Copenhagen K, att.: The Complaints manager, or to travel- [email protected].
30.2 Complaints board In the event that the policyholder or the insured wishes to proceed with the complaint, it can be brought before the Insurance Complaints Board, Anker Heegaards Gade 2, DK-1572 Copenhagen V.
30.3 Venue Disputes arising out of the insurance relationship shall be decided according to Danish law and both the insured and the Company shall accept Copenhagen as venue.
30.4 Danish National Board of Industrial Injuries In the event of disagreement about cover of accident and assault, cf. Art. 21, an opinion on determination of the degree of permanent disability may be obtained from the Danish National Board of Industrial Injuries. Fees payable in this respect shall be paid by the insured and refunded by the Company if the Danish National Board of Industrial Injuries decides on a higher degree.
Art. 31 Confidentiality 31.1 The confidentiality of patient and customer information is of paramount concern to the companies in the Bupa group. To this end, the Company fully complies with applicable data protection legislation and medical confidentiality guidelines. Please see the Bupa Global Privacy Notice above the glossary section.
31.2 The Company fully complies with applicable data protection legislation (see also art. 31.1 above). Generally, we therefore cannot disclose any personal or sensitive information (eg. medical information) nor discuss cases with anyone not authorised by the insured in question. It is therefore recommended that the insured authorises any person he or she wants to share information with. A third party authorisation form will be provided by the Company on request.
34 Bupa Global is a trading name of Bupa Global to specific products or services. For example if you organisations who carry out customer- Bupa Global Designated Activity Company, Bupa Denmark, filial use our apps we may give you privacy notices which satisfaction surveys or market research on our Privacy Notice af Bupa Global DAC, Irland, Bupa Insurance Services apply just to a particular type of information which behalf, or who provide us with statistics and Limited and Bupa Denmark Services A/S. we collect through that app. other information (for example, about your We are committed to protecting your privacy when interests, purchases and type of household) to dealing with your personal information. This privacy In relation to international private medical insurance: help us to improve our products and services; notice provides details about the information we 3. How we collect personal fraud-detection and credit-reference agencies; collect about you, how we use it and how we Bupa Global Designated Activity Company is a information and protect it. It also provides information about your designated activity company limited by shares Summary: We collect personal information from sources which are available to the public, such rights (see section 13 'your rights' below). registered in Ireland under company number you and from third parties (anyone acting on your as the edited electoral register or social media. 623889 and having its registered office at Second behalf, for example, brokers, health-care providers If you have any questions about how we handle Floor, 10 Pembroke Place, Ballsbridge, Dublin 4, D04 and so on). your information, please contact the Bupa Global V1W6, and is regulated by the Central Bank of If we provide you with insurance products Travel service team on +45 70 20 70 48. Ireland. Where you provide us with information and services, we may collect information Alternatively you can email or write to the team via about other people, you must make sure from: [email protected] or Bupa Global Travel, Bupa Insurance Services Limited is registered in that they have seen a copy of this privacy the main member, if you are a dependant Palægade 8, DK-1261 Copenhagen K, Denmark. England and Wales at Companies House under notice and are comfortable with you giving under a family insurance policy; number 3829851. The registered office is 1 Angel us their information. Last updated: July 2020 Court, London, EC2R 7HJ, and is authorised and your policyholder (usually your employer), if you are covered by an insurance policy they regulated by the Financial Conduct Authority More information: We collect personal have taken out on your behalf; 1. Information about us (regulation number 312526). information from you: 2. Scope of our privacy notice brokers and other agents (this may be your 3. How we collect personal information Bupa Denmark Services A/S, 8 Palaegade, DK-1261 through your contact with us, including by broker if you have one, or your employer's 4. Categories of personal information Copenhagen K, Denmark, Company No. 32451780 is phone (we may record or monitor phone calls broker if they have one); and 5. What we use your personal information for and an agent for Bupa Global Designated Activity to make sure we are keeping to legal rules, other third parties we work with, such as our legal reasons for doing so Company. codes of practice and internal policies, and for agents working on our behalf, other insurers 6. Legitimate interests quality assurance purposes), by email, through and reinsurers, actuaries, auditors, solicitors, In relation to Travel: 7. Marketing and preferences our websites, through our apps, by post, by translators and interpreters, tax advisers, debt- 8. Profiling and automated decision-making filling in application or other forms, by entering collection agencies, credit-reference agencies, Bupa Denmark, filial af Bupa Global DAC, Irland, 9. Sharing your information competitions, through social media or face-to- fraud-detection agencies (including insurance company number 40168923, is a Danish branch of 10. Anonymised and combined information face (for example, in medical consultations, counter-fraud groups), regulators, data- Bupa Global Designated Activity Company, having 11. Transferring information outside of the diagnosis and treatment). protection supervisory authorities, health-care its registered address at Palaegade 8 DK-1261 European Economic Area (EEA) professionals, other health-care providers and Copenhagen K Denmark, and is regulated by the 12. How long we keep your personal information medical-assistance providers. Central Bank of Ireland and subject to limited We also collect information from other people and 13. Your rights regulation by the Danish Financial Supervisory organisations. 14. Data protection contacts Authority (Finanstilsynet). 4. Categories of personal For all our customers, we may collect Bupa Denmark Services A/S, 8 Palaegade, DK-1261 information from: information 1. Information about us Copenhagen K, Denmark, Company No. 32451780 is Summary: For all our services, we process the Summary: In this privacy notice, 'we', 'us' and 'our' an agent for Bupa Global Designated Activity your parent or guardian, if you are under 18 following categories of personal information about means the Bupa companies trading as Bupa Global. Company. years old; you and (where this applies) your dependants: a family member, or someone else acting on More information: Depending on which of our your behalf; standard personal information (for example, products and services you ask us about, buy or use, 2. Scope of our privacy doctors, other clinicians and health-care information we use to contact you, identify different companies within our organisation will notice professionals, hospitals, clinics and other you or manage our relationship with you); process your information and make decisions about Summary: This privacy notice applies to anyone health-care providers; special categories of information for example, how your information is handled. who interacts with us about our products and any service providers who work with us in health information; and services ('you', 'your'), in any way (for example, by relation to your product or service, if we don't information about criminal convictions and email, through our website, by phone, through our provide it to you direct, such as providing you offences (we may get this information when app). We will give you further privacy information if with apps, medical treatment, dental treatment carrying out anti-fraud or anti-money- necessary for specific contact methods or in relation or health assessments; laundering checks, or other background screening to prevent crime).
35 More information: 5. What we use your personal relating to rights and responsibilities arising in 6. Legitimate interests connection with an insurance contract or law); Summary: We process your personal information Standard personal information includes: information for and our legal it is necessary to establish, make or for a number of legitimate interests, including reasons to doing so defend legal claims (for example, claims contact information, such as your name, managing all aspects of our relationship with you, Summary: We process your personal information against us for insurance); username, address, email address and phone for marketing, to help us improve our services and for the purposes set out in this privacy notice. We it is necessary for the purposes of numbers; products, and in order to exercise our rights or have also set out some legal reasons why we may preventing or detecting an unlawful act the country you live in, your age, your date of handle claims. More detailed information about our process your personal information (these depend on in circumstances where we must carry out birth and national identifiers (such as your legitimate interests is set out below. what category of personal information we are checks without your permission so as not to National Insurance number or passport processing). We normally process standard personal affect the outcome of those checks (for number); More information: Taking into account your information if this is necessary to provide the example, anti-fraud and anti-money- information about your employment; interests, rights and freedoms, legitimate interests services set out in a contract, it is in our or a third laundering checks or to check other unlawful details of any contact we have had with you, which allow us to process your personal information party's legitimate interests or it is required or behaviour, or carry out investigations with such as any complaints or incidents; include: allowed by any law that applies. Please see below other insurers and third parties for the purpose financial details, such as details about your for more information about this and the reasons of detecting fraud); to manage our relationship with you, our payments and your bank details; why we may need to process special category it is necessary for a purpose designed business and third parties who provide the results of any credit or any anti-fraud information and criminal offence and conviction to protect the public against products or services for us (for example, to checks we have made on you; information. dishonesty, malpractice or other check that you have received a service that information about how you use our products seriously improper behaviour (for you're covered for, to validate invoices and so and services, such as insurance claims; and More information: By law, we must have a lawful example, investigations in response to a on); information about how you use our website, reason for processing your personal information. We safeguarding concern, a member's complaint to provide health-care services on behalf of a apps or other technology, including IP process standard personal information about you if or a regulator (such as the Care Quality third party (for example, your employer); addresses or other device information (please this is: Commission or the General Medical Council) to make sure that claims are handled efficiently see our Cookies Policy available at telling us about an issue); and to investigate complaints (for example, we https:////www.bupaglobal.com/en/legal/ necessary to provide the services set it is in the public interest, in line with may ask your treatment provider for cookies for more details). out in a contract − if we have a contract with any laws that apply; information to make sure we receive accurate you, we will process your personal information it is information that you have made information and to monitor the quality of your Special category information includes: in order to fulfil that contract (that is, to public; or treatment and care); provide you and your dependants with our we have your permission. As is best to keep our records up to date and to provide information about your physical or mental products and services); practice, we will only ask you for permission to you with marketing as allowed by law; health, including genetic information or in our or a third party's legitimate process your personal information if there is no to develop and carry out marketing activities biometric information (we may get this interests − details of those legitimate interests other legal reason to process it. If we need to and to show you information that is of interest information from application forms you have are set out in more detail in section 6 ask for your permission, we will make it clear to you, based on our understanding of your filled in, from notes and reports about your 'legitimate interests' below; and that this is what we are asking for, and ask you preferences (we combine information you give health and any treatment and care you have required or allowed by law. to confirm your choice to give us that us with information we receive about you from received or need, or it may be recorded in permission. If we cannot provide a product or third parties to help us understand you better); details of contact we have had with you such as We process special category information about you service without your permission (for example, for statistical research and analysis so that we information about complaints or incidents, and because: we can't manage and run a health trust can monitor and improve products, services, referrals from your existing insurance provider, without health information), we will make this websites and apps, or develop new ones; quotes and records of medical services you it is necessary for the purposes of clear when we ask for your permission. If you to contact you about market research we are have received) preventive or occupational medicine, to later withdraw your permission, we will no carrying out; assess whether you are able to work, medical longer be able to provide you with a product to monitor how well we are meeting our clinical Criminal offences and convictions diagnosis, to provide health or social care or or service that relies on having your and non-clinical performance expectations in information includes: treatment, or to manage health-care or social- permission. the case of health-care providers; care systems (including to monitor whether we to enforce or apply our website terms of use, information collected as a result of anti-fraud are meeting expectations relating to our clinical We process criminal offence and conviction our policy terms and conditions or other and anti-money-laundering checks. and non-clinical performance); information as part of anti-money laundering contracts, or to protect our (or our customers' it is necessary for an insurance purpose checks to comply with financial crime or other people's) rights, property or safety; (for example, advising on, arranging, providing requirements. to exercise our rights, to defend ourselves from or managing an insurance contract, dealing with claims and to keep to laws and regulations that a claim made under an insurance contract, or
36 apply to us and the third parties we work with; You have the right to object to direct marketing and You can contact us to ask about these rights. For third parties to automatically provide you with and profiling relating to direct marketing (see section 13 more information on all your rights, please read the information about what incentives we can offer to take part in, or be the subject of, any sale, 'your rights' for more information). You may also 'Your rights' section below. you and the marketing messages you will purchase, merger or takeover of all or part of have the right to object to other types of profiling receive. the Bupa business. and automated decision-making set out below. In Profiling and automated decision-making We ask other organisations to carry out some these cases, you have the right to ask us to make of our consumer and market analysis to The processes set out below involve both profiling sure that one of our advisers reviews an automated improve our marketing processes. This and automated decision-making. 7. Marketing and preferences decision, to let us know how you feel about it and to involves sharing personal information relating ask us to reconsider the decision. You can contact Depending on the type of insurance product to our customers with third parties who We may use your personal information to send you us to exercise these rights. See section 14 'data that you want to benefit from, to help us decide specialise in profiling and segmenting people marketing by post, by phone, through social media, protection contacts' for full contact details. what level of cover we can offer you, we will (putting people into groups of different types by email and by text. ask you to provide information about your of customer, based on different kinds of More information: medical history. We may use software to review information collected about them, to help us to We can only use your personal information to send this information to find out whether you have better target our products to them). These you marketing material if we have your permission By law, we must tell you about: any previous or existing health conditions companies match the information we give or a legitimate interest as described above. which we cannot cover you for and which will them with information they get from other automated decision-making (making a decision sources to improve the accuracy of their If you don't want to receive emails from us, you can using technology, without any person being be excluded from your policy. We may use software to help us calculate the analysis. We use the results of this analysis to click on the 'unsubscribe' link that appears in all involved); and help us target marketing and offers. emails we send. If you don't want to receive texts profiling (automated processing of your price of products and services based on what we know about you and other customers. For We may use information about the products from us you can tell us by contacting us at any information to help us evaluate certain things you have bought, and information about what time. Otherwise, you can always contact us to about you, for example, your personal example, our technology may analyse information about your claims history and other customers who have bought the same update your contact preferences. See section 14 preferences and your interests). products you have bought, to make sure we 'data protection contacts' for details of how to compare it with the information we hold about previous claims to evaluate how likely you are send you information about the products you contact us. This is because you have certain rights relating to to need to make a claim. We may also evaluate are most likely to be interested in. both automated decision-making and profiling. You We may share your personal information You have the right to object to direct marketing your age, where you live and other details have the right to object to profiling relating to direct (including your name, date of birth, sex and and profiling (the automated processing of your relating to your health (such as existing health marketing. If you do this, we will no longer carry out the country you live in) with third-party information to help us evaluate certain things about conditions and whether you smoke) to calculate profiling for direct marketing purposes. You also companies who carry out fraud checks. We will you, for example, your personal preferences and prices for community-rated products which are have the right to object to profiling in other review any matches from this process. (We will your interests) relating to direct marketing. Please based on predefined groups with similar risk circumstances set out below. not use automated decision-making for this.) see section 13 'your rights' below for more details. profiles. When we make decisions using only automated 8. Processing for profiling processing which produce legal effects which Profiling 9. Sharing your information concern you or which have a significant effect on Summary: We share your information within the and automated The processes set out below involve profiling. you, we will let you know. You then have 21 days to Bupa Group, with relevant policyholders (including decision-making ask us to reconsider our decision or to make a new In order to improve outcomes and be more your employer if you are covered under a group Summary: Like many businesses, we sometimes use decision that is not based only on automated efficient, and allow us to offer advice about scheme), with funders arranging services on your automation to provide you with a quicker, better, processing. If we receive a request from you, within different treatment paths (for example, behalf, with people acting on your behalf (for more consistent and fair service, and marketing 21 days of receiving your request, we will: example, brokers and other agents) and with information we think will be of interest to you alternatives to surgery or other invasive treatments), we may use software to evaluate others who help us provide services to you (for (including discounts on our products and services). consider the request, including any information example, health-care providers and medical- This will involve evaluating information about you you have provided that is relevant to it; medical history and information about the general population in an area to identify assistance providers) or who we need information and, in some cases, using technology to provide meet your request; and from to allow us to handle or confirm claims or you with automatic responses or decisions let you know in writing what we have done to customers who are likely to need that advice most. entitlements (for example, professional (automated decisions). Please see 'more meet your request, and the outcome. associations). We also share your information in information' below for further details. When your policy is due for renewal, our software tells us this and may also evaluate line with the law. For more information about who your payment and claims history, other we share your information with and why, please information you have given us about yourself see below. and other information we have received from
37 More information: We sometimes need to share If we provide insurance or manage a health- 11. Transferring information you. your information with other people or organisations care trust, we share your information with: outside of the European for the purposes set out in this privacy notice. The More information: You have the following rights exact information we share depends on the reason the policyholder or their agent if you are not the Economic Area (EEA) (certain exceptions apply). we are sharing it. For example, if we need to share main member under an individual policy (we We deal with many international organisations and information in order to provide health care, we will will send them all membership documents and use global information systems. As a result, we Right of access: You have the right to make share special categories of information, such as confirmation of how we have dealt with a claim, transfer your personal information to countries a written request for details of your personal medical details, with the treatment provider. and all people who are insured on the policy outside the EEA (the EU member states plus information and a copy of that personal may have access to correspondence and other Norway, Liechtenstein and Iceland) for the purposes information. For all our customers, we share your information we provide through our online set out in this privacy notice. Right to rectification: You have the right to information with: portal); have inaccurate information about you your employer (or their broker or agent) for We take steps to make sure that, when we transfer corrected or removed. other members of the Bupa Group of product or service administration purposes if your personal information to another country, Right to erasure ('right to be companies in order to provide our products and you are a member or beneficiary under your appropriate protection is in place, in line with data- forgotten'): You have the right to have services; employer's group scheme; protection laws. Often, this protection is set out certain personal information about you deleted other organisations you belong to, or are your broker or agent (or both); under a contract with the organisation who receives from our records. professionally associated with, in order to other third parties we work with to provide our that information. For more information about this Right to restriction of processing: You confirm your entitlement to claim discounts on products and services, such as agents working protection, please contact us at [email protected]. have the right to ask us to use your personal our products and services; on our behalf, other insurers and reinsurers, information for restricted purposes only. doctors, clinicians and other health-care actuaries, auditors, solicitors, translators and Right to object: You have the right to object professionals, hospitals, clinics and other interpreters, tax advisers, debt-collection 12. How long we keep your to us processing (including profiling) your health-care providers; agencies, credit-reference agencies, fraud- personal information personal information in cases where our suppliers who help deliver products or services detection agencies (including insurance processing is based on a task carried out in the We keep your personal information in line with set on our behalf; counter-fraud groups), regulators, data- public interest or where we have let you know it periods calculated using the following criteria. people or organisations we have to, or are protection supervisory authorities, health-care is necessary to process your information for our allowed to, share your personal information professionals, health-care providers and How long you have been a customer with us, or a third party's legitimate interests. You can with by law (for example, for fraud-prevention medical-assistance providers; and the types of products or services you have with object to us using your information for direct or safeguarding purposes, including with the organisations who provide your treatment and us, and when you will stop being our customer. marketing and profiling purposes in relation to Care Quality Commission in the UK and the other benefits, including travel-assistance How long it is reasonable to keep records to direct marketing. Health Information and Quality Authority in services. Right to data portability: show we have met the obligations we have to You have the Ireland); right to ask us to transfer the personal the police and other law-enforcement agencies you and by law. If we share your personal information, we will make information you have given us to you or to to help them perform their duties, or with Any time limits for making a claim. sure appropriate protection is in place to protect someone else in a format that can be read by others if we have to do this by law or under a Any periods for keeping information which are your personal information in line with data- set by law or recommended by regulators, computer. court order; Right to withdraw consent: protection laws. professional bodies or associations. You have the organisations that carry out surveys on our right to withdraw any permission you have behalf; Any relevant proceedings that apply. 10. Anonymised and given us to handle your personal information. If if we (or any member of the Bupa group) sell or you withdraw your permission, this will not buy any business or assets, the potential buyer combined information If you would like more information about how long affect the lawfulness of how we used your or seller of that business or those assets; and We support ethically approved clinical research. We we will keep your information for, please contact us personal information before you withdrew a third party who takes over any or all of the may use anonymised information (with all names at [email protected]. permission, and we will let you know if we will Bupa Group's assets (in which case personal and other identifying information removed) or no longer be able to provide you with your information we hold about our customers or information that is combined with other people's 13. Your rights chosen product or service. visitors to the website may be one of the assets information, or reveal it to others, for research or Summary: You have the right to access your Right in relation to automated the third party takes over). statistical purposes. You cannot be identified from information and to ask us to correct any mistakes decisions: You have the right not to have a this information and we will only share the and delete and restrict the use of your information. decision which produces legal effects which information in line with legal agreements which set You also have the right to object to us using your concern you or which have a significant effect out an agreed, limited purpose and prevent the information, to ask us to transfer of information you on you based only on automated processing, information being used for commercial gain. have provided, to withdraw permission you have unless this is necessary for entering into a given us to use your information and to ask us not contract with you, it is authorised by law or you to use automated decision-making which will affect have given your permission for this. We will let
38 you know if we make automated decisions, our . Glossary Defined term Description legal reasons for doing this and the rights you Closest relatives Closest relatives shall mean the have. Valid from commencement date or following persons in the below policy renewal in 2021. stated order:
Please note: Other than your right to object to us Spouse using your information for direct marketing (and This glossary and its definitions form part of the live-in partner (if the below profiling for the purposes of direct marketing), your policy conditions. conditions are met) children/heirs of the body rights are not absolute. This means they do not Defined term Description beneficiary under a will/ always apply in all cases, and we will let you know beneficiary under an intestacy. Accident A sudden event that causes in our correspondence with you how we will be personal injury. able to meet your request relating to your rights. The closest relatives will always be Baggage Baggage is defined as suitcase/ found "from the top". Accordingly, if rucksack, clothes, jewellery, If you make a request, we will ask you to confirm the insured is not survived by a toiletries, books, photo equipment, spouse, a surviving live-in partner your identity if we need to, and to provide perambulator, stroller, mobile will receive the payment, and so information that helps us to understand your telephone/smartphone/tablet, forth. request better. We have 21 days to respond to portable music player incl. max. five CDs thereto, portable games For a live-in partner to be requests relating to automated decisions. For all console incl. max. five games considered as the closest relative, he other requests we have one month from receiving thereto. or she must have lived together your request to tell you what action we have taken. Bupa Global/Bupa Bupa Denmark, filial af Bupa Global with the insured and have shared Global Travel (incl. DAC, Irland, company number the same address and: we/us/our) 40168923, company number trading as Bupa Global Travel, is a Danish be expecting, have or have had If we do not meet your request, we will explain a joint child or why. branch of Bupa Global Designated Activity Company (Bupa Global have been living together with DAC), having its registered address the insured in a conjugal In order to exercise your rights, please contact us at Palaegade 8 DK-1261 Copenhagen relationship at the shared at [email protected]. K Denmark. Bupa Global DAC is address for the last two years registered in Ireland under company leading up to the death of the number 623889. insured. 14. Data protection contacts If you have any questions, comments, complaints Bupa Global Travel is regulated by For insurance policies established the Central Bank of Ireland and before 1 January 2008, under which or suggestions in relation to this notice, or any subject to limited regulation by the the beneficiary according to the other concerns about the way in which we process Danish Financial Supervisory policy conditions or by choice of the information about you, please contact our service Authority (Finanstilsynet). policy holder is the closest relative, a team on +45 70 20 70 48. Alternatively you can live-in partner is not entitled to Claim The financial claim covered in full or payment under the policy. email or write to our Data Protection Officer or in part by the insurance. In the Privacy Team at [email protected] or Bupa Company's assessment/decision of However, if the policy holder, in the claim, the crucial aspect is the writing, after 1 January 2008 Global Travel, Palægade 8, DK-1261 Copenhagen K, time of treatment and not the time Denmark. reinstates the closest relative as the of occurrence of the claim. beneficiary under the insurance, the above mentioned order shall apply We are regulated by the Data Protection as if the insurance policy had been Commissioner (www.dataprotection.ie) who can be established after 1 January 2008. contacted at, 21 Fitzwilliam Square South, Dublin 2, D02 RD28, Ireland. Tel +353 (0)761 104 800 or +353 (0)57 868 4800. You have a right to make a Commencement date The date stated in the policy complaint to them or to your local privacy schedule at which the insurance takes effect unless otherwise stated. supervisory authority.
39 Defined term Description Defined term Description Defined term Description Defined term Description Company, the Bupa Denmark, filial af Bupa Global Immediate family A spouse, someone who cohabits Prescription medicine Prescription medicine, which can Unrecognised medical An unrecognised medical DAC, Irland, company number with the insured and is registered at only be acquired with a prescription practitioner practitioner, provider or facility 40168923, company number trading the same address as the insured, issued by the attending physician. includes: as Bupa Global Travel, is a Danish children, stepchildren, foster branch of Bupa Global Designated children, parents-in-law, children-in- Professional sport Sports activities for which payment Activity Company (Bupa Global law, grandchildren, parents, foster is made. Sports activities are • treatment provided by a medical DAC), having its registered address parents, grandparents, brother, considered to be professional when practitioner, provider or facility who at Palaegade 8 DK-1261 Copenhagen sister, sister-in-law, brother-in-law. the person's living is mainly earned is not recognised by the relevant K Denmark. Bupa Global DAC is from the sport, or the person is authorities in the country where the registered in Ireland under company Foster children and foster parents subject to contractual remuneration treatment takes place as having number 623889. are only considered to be immediate by a sports club or sponsors. specialised knowledge, or expertise family if they have resided with the Practising a sport means, among in, the treatment of the disease, Bupa Global Travel is regulated by insured for minimum two years. other things, taking part in training illness or injury being treated. the Central Bank of Ireland and and competition, as well as • treatment by any medical subject to limited regulation by the Insurance Policy conditions, policy schedule presentations outside competitions. practitioner, provider or in any Danish Financial Supervisory and any special terms agreed with facility to whom we have sent a the Company. Reasonable and The 'usual', or 'accepted standard' Authority (Finanstilsynet). customary amount payable for a specific written notice that we no longer recognise them for the purposes of Country of The country in which the insured has Insured All persons stated in the policy healthcare treatment, procedure or schedule. service in a particular geographical our plans, expatriation his or her primary address while he • treatment provided by the insured or she is covered by the insurance. region, and provided by treatment Insured's travelling A person checked-in on the same providers of comparable quality and him-/herself, any family members or Crisis counselling/ Treatment by a psychologist as a companion ticket or certificate of participation experience. These charge levels may anyone with the same residence as crisis psychologist consequence of the insured having as the insured or a person who has be governed by guidelines the insured, or an enterprise owned undergone a crisis, caused by acute bought the trip to accompany the published by relevant government by one of the above mentioned external traumatic events, e.g. insured. or official medical bodies in the persons. serious accidents, catastrophes, Mental disorders Mental disorders are defined in particular geographical region, or terrorist acts, hostage taking/ accordance with the ICD-10 may be determined by our An updated list of unrecognised kidnapping, assaults, robberies, etc. diagnostic criteria (refer to experience of usual, and most medical providers can be www.medinfo.dk or www.who.int) common, charges in that region. downloaded as a pdf file here: Date of payment The date at which the premium is www.bupaglobal.com/en/facilities/ payable. Out-patient treatment Surgery or medical treatment at a Registered baggage Baggage in the custody of a third finder hospital or clinic when party after check-in against receipt Documents All written information relating to from a transport company. the insurance, including original hospitalisation is not medically bills, policy schedule, etc. required. Screened blood Blood preparations screened in Policy conditions General conditions and any special accordance with international Due date Date on which a premium is to be standards, however, at least paid. terms applicable to the insurance taken out. screened for Hepatitis B and C as Electronic equipment Electronic equipment is defined as well as HIV I and II. photo equipment, computer, mobile Policy schedule Policy details indicating the purchased insurance type, annual Special terms Restrictions, limitations or telephone/smartphone, portable conditions applied to the Company's music player and accessories premium, deductible, if any, and other special terms. standard terms as detailed in the thereto. policy schedule. Policy year One insurance year, i.e. 12 Family The insureds stated in the policy Sports equipment Equipment that can only be used in schedule. successive months from the anniversary date. connection with sports activities. Home country The country where the insured is a Clothing items that can be worn for national, unless otherwise agreed Policyholder The (legal or physical) person leisure activities is not considered between the insured and the having entered into the contract sports equipment with the Company. Company. Standard terms The Company's standard insurance Hospitalisation Surgery or medical treatment at a Pre-existing condition Medical history, including the terms with no special restrictions, hospital or clinic when illnesses and conditions listed in the limitations, age loading or hospitalisation is medically required. Medical Questionnaire, which may conditions. affect the Company's decision to Hostage taking and Hostage taking and kidnapping is insure or not to insure or to impose Treatment failure When the Company's medical kidnapping defined as an event where a person special terms. consultants assess that the insured against his/her will is held as cannot receive the required medical collateral or blackmail, in order for treatment at the location. the hostage taker/kidnapper to achieve certain political objectives or for the purpose of extorting money.
40 Call Bupa Global Travel's Customer Service for questions on your policy, payment, coverage etc. Open 9am - 5pm (CET) weekdays Tel: +45 70 20 70 48 Fax: +45 33 32 25 60 Email: [email protected] Palægade 8 DK-1261 Copenhagen K Denmark
Call Bupa Global Assistance for 24-hour emergency service and medical help Tel: + 45 70 23 24 61 Email: [email protected]
(When you are in the USA, please call Bupa Global Assistance free of charge to verify eligibility for cover: +1 800-589-1072)
Calls are recorded for training and quality purposes and may be shared when legally required to.
European addresses
Bupa Denmark, filial af Bupa Global DAC, Irland Palægade 8 DK-1261 Copenhagen K Denmark
Bupa Global Designated Activity Company Second Floor, 10 Pembroke Place Ballsbridge Dublin 4 D04 V1W6 Ireland
Bupa Global DAC, trading as Bupa Global, is regulated by the Central Bank of Ireland
Bupa Denmark Services A/S, 8 Palaegade, DK-1261 Copenhagen K, Denmark, Company No. 32451780 is an agent for Bupa Global. ihi.com
DAC-EXPI-MEMB-EN-DARC-2008-0023229 - PDFv1.9