CERTIFICATE OF INSURANCE TERMS AND CONDITIONS Coverage excl. personal accident

Translation not legally binding - a part of If

INSURANCE FOR EXPATRIATES

Valid as of March 2012

008590 Insurance for expatriates.indd 2 04.05.12 07.25 Europeiske’s Worldwide Network

• Europeiske has built a worldwide network over the past 90 years – so that you will feel safe and secure when you travel.

• Europeiske has its own service offices – Euro-Centres – located throughout the world. Euro-Centre employees speak the local language as well a Scandinavian language, and have developed their own local networks over the years.

• Europeiske has an exclusive agreement with the Norwegian Church Abroad, which we call on when the need for hospital visits and crisis situations arise.

• Europeiske has its own team of doctors and nurses in the field who respond to catastrophic situations.

Europeiske’s Alarm Center

Assistance is available 24 hours a day, 7 days a week, 365 days a year. Our alarm center has updated and specified infor- mation about more than 60 000 medical providers world wide. This will ensure you fast and adequate assistance whenever you may need it.

For immediate assistance, contact: Tel: +47 214 95 000 / +45 70 15 25 00.

Euro-Center – Europeiske’s Service Centres

Our Euro-Center employees are familiar with the country and local conditions, and they speak a Scandinavian language as well as the local language. Euro-Centers are located in all parts of the world:

AUSTRALIA – Tel: +61(2)8274 5700 – Tel: +55 21 3553 4660 CHINA – Beijing Tel: +86 10 8455 9500 – Larnaca Tel: +357 246 59860 - Tel: +7 495 987 1775/-6 SOUTH – Cape Town Tel: +27 21 440 9999 – Tel: +34 97 172 6003 SPAIN – Malaga Tel: +34 95 244 3440 – Bangkok Tel: +66 26 96 36 26 /-27 TURKEY – Istanbul Tel: +90 212 315 4000 USA – New York Tel: +1 212 265 8522

Your Security – World Wide!

2 TABLE OF CONTENTS

Certificate of Insurance...... page 4

Validity of Insurance...... page 5 • Duration ...... page 5 • Eligibility...... page 5 • Evacuation ...... page 5 • Strike – Lock-Out – Bankruptcy...... page 5 • Expeditions ...... page 5

Cancellation Insurance ...... page 5

Delays ...... page 6 • Delayed Departure...... page 6 • Delayed Arrival ...... page 7 • Delayed Luggage...... page 7

Luggage Insurance ...... page 7 • Cash ...... page 8 • Tickets/Passport ...... page 8 • Safety Regulations ...... page 8

Personal Property Insurance...... page 9 • Fire/Water Damage/Theft ...... page 9 • Cash/Securities...... page 9 • Safety Regulations ...... page 9

Return Travel – Recall – Replacement ...... page 10

Medical Insurance ...... page 11 • Out-Patient Treatment ...... page 11 • Hospital Stay ...... page 11 • Pregnancy and Birth ...... page 11 • In-Home Nursing Care ...... page 11 • Dental Treatment ...... page 11 • Repatriation/Medical Evacuation ...... page 11

Personal Liability Insurance ...... page 12 Legal Expenses ...... page 13 Additional Insurance...... page 14 General Rules...... page 14 • Duty of Disclosure...... page 14 • Due Diligence ...... page 14 • Definitions...... page 14 • Double insurance/reimbursement...... page 15 General Terms and Conditions...... page 15

3 CERTIFICATE OF INSURANCE Safety regulations for chapter 4: The safety regulations require the insured to: Deadline for reporting incurred claims • Keep watch over insured belongings and ensure that they are not left Loss/damage must be reported immediately to Europeiske; see the behind Insurance Agreements Act (FAL), Section 4-10 or 13-11. The insured • Lock repositories and doors and lock/secure windows when leaving loses the right to compensation if the claim is not reported to the belongings behind company within one year of when the insured became aware of the cir- • Carry cash, passport and tickets on his/her person or keep it locked in cumstances upon which the claim is based; see FAL Section 8-5 or 18- a permanently mounted safe or under double lock in the building 5. • Keep belongings as listed in point 4.5 e under lock when not in use. If not a lockable repository is available, the insured must carry the Central claims register insured items with him/her. Items left in a motor vehicle or caravan All claims made to an insurance company will also be reported to the must be kept in a locked glove compartment, locked boot or locked Norwegian Insurance Central Claims Register (FOSS). Upon registering roof box or removed from the vehicle if the vehicle does not have a a claim, the insurance company automatically obtains a summary of all glove compartment/boot/roof box. Such items must not be kept in a claims made by the insured, including claims made to other insurance tent or in a room accessible to others than the insured and his/her companies. Insurance companies may not obtain information from the travelling companions Central Claims Register other than upon reporting a claim. The Central • Not leave insured items in/on a boat, caravan, tent or motor vehicle Claims Register is not accessible to others. Registered claims are delet- at night or for longer than 24 hours ed after 10 years. All insured persons have the right to inspect their • Ensure that belongings are adequately and suitably packaged to with- personal information on file at the Central Claims Register, according stand transport. Electronic goods that are going to be carried on a to the Personal Records Act, Section 7. Those wishing to inspect their boat/canoe/kayak must be packed in watertight packaging files must send a written request to the relevant insurance company. • Not place fragile items, perishable goods, cash, jewellery, wrist wat- ches, spectacles, precious stones, precious metals, camera/video/com- Internal appeals process puter equipment, audio-visual equipment and accessories, mobile If you disagree with a decision taken by Europeiske in a case regard- phones and other electronic devices in checked luggage. ing your travel insurance, you may contact our Customer Relations Representative to have the case re-evaluated. The Customer Relations Safety regulations for chapter 5: Representative evaluates the case from a new, non-partisan perspec- The safety regulations require the insured to: tive. If the representative does not agree with you, you may appeal • comply with local fire instructions and orders issued by the authori- further to the Customer Panel, which will also evaluate the case. The ties. Customer Panel consists of a majority of customers: five non-partisan • ensure that the residence is adequately heated to prevent freezing or persons without an insurance background and one representative from that the pipes are drained and the stopcock is tightly closed. the company. The Customer Relations Representative may be reached • ensure that doors are locked and that keys/codes are kept in a secu- by phone at 02400, [email protected], or by writing to If re location. Windows and other openings must be closed and adequa- Skadeforsikring, P.O. Box 240, NO-1326 Lysaker, . tely secured with a catch or similar device. Windows left ajar for ven- tilation are not considered to be adequately secured. In buildings Right to demand appeals board hearing other than a private residence, money, jewellery, cameras, furs and You may also file a complaint with the Financial Appeals Office, P.O. other valuable items must be kept under lock and key, or be other wise Box 53, Skøyen, NO-0212, Oslo, Norway, tel. +47 23 13 19 60. comparably secured. • ensure that bicycles are locked and that the keys/codes are kept in a Validity and termination of the insurance agreement secure location. The premium must be paid before the indicated due date and no later than the first day of the insurance period. If the insurance is valid for Limitation of liability when risk alters (see FAL, Section 4-7, 13-6 and one year or more, the insurance will be renewed automatically for one 13-7) year if the policyholder does not inform Europeiske that the insurance Europeiske’s liability may be reduced when risk alters if, without spe- should not be renewed. Such notification must be sent to Europeiske cial agreement with Europeiske, the insured: prior to the insurance expiration date. During the insurance period, the • Participates in certain sports activities; see Terms and Conditions, policyholder may terminate an active insurance policy if the need for points 7.4 and 11.1 the insurance no longer exists or if the policyholder changes to anoth- • Participates in expeditions or explorations; see Terms and er insurance company. Europeiske must be notified of such a change Conditions, points 1.6 and 11.3 within one month of when the change takes place; see General Terms • Travels/stays in an area with increased risk of war/terror or politi- and Conditions, point 6.2.3. cal unrest, see point 1.7 and 11.4

Who is eligible? Our liability may be reduced or become void if the insured takes part The insurance is valid for the person(s) named in the Certificate of in a fight or is an accessory to or takes part in criminal activity or is Insurance. The co-insured spouse/partner who accompanies and the victim of a revenge attack in this kind of context; see points 7.4 cohabits with the insured at the station abroad must be registered at and 8.3 g. the same residential address as the insured. The insured’s children who accompany the insured at the station abroad are co-insured until the Other limitations to coverage first payment due date after the child turns 20 years. Other exceptions and limitations are as described in the Terms and Conditions that apply for this insurance: Validity, Cancellation, Delays, Safety regulations Luggage, Personal Property, Recall, Medical Insurance, Liability and The safety regulations are designed to limit or prevent injury, loss or Legal Expenses. damage, and must be complied with. The consequences of lack of com- pliance with the safety regulations are explained in the Terms and Additional insurance Conditions, point 12.2 and FAL 4-8. After an individual risk assessment, the insurance may be expanded to include: Safety regulation for chapter 2: As soon as you know that you cannot • Diving deeper than 40 metres, unorganized aerial sports and motor travel as planned, you are obliged to cancel the travel/accommoda- sports; see Terms and Conditions, point 11.1 tion/rental arrangements where this has been purchased, and act in • Expeditions and similar travel; see Terms and Conditions, point 11.3 accordance with the agency’s cancellation terms regarding the cancelled • Stationing abroad in areas with an increased risk of war/terror/poli- travel/rental agreement. tical unrest, see Terms and Conditions, point 11.4

4 TERMS AND CONDITIONS area must have been regarded as peaceful before the travel com- menced. General Terms and Conditions, point 1.2 does not apply. In addition to the Terms and Conditions stated in this section, the • Natural disasters which occur during travel outside Norway. Certificate of Insurance, the General Terms and Conditions with “Natural disaster” is defined as an earthquake, volcanic erupti- exclusions stated in points 1.3 and 1.4, and the Insurance Act on or other catastrophe caused by sudden, violent natural forces (FAL) of 16 June 1989 also apply. The Certificate of Insurance of extraordinary intensity, power and dimension. Evacuation takes precedence over the Terms and Conditions. must take place in accordance with recommendations issued by the local authorities or the Norwegian Ministry of Foreign Affairs 1. VALIDITY OF INSURANCE or as agreed with us. General Terms and Conditions, point 1.3 does not apply. 1.1 Duration of insurance • An epidemic which breaks out during travel outside Norway. The insurance is valid: “Epidemic” is defined as a contagious disease that spreads quic- • During the stay at the station abroad in the geographic area and kly throughout the population. Evacuation must take place in for the time period stated in the Certificate of Insurance accordance with recommendations issued by Norwegian authori- • For vacations and recreational travel worldwide ties or as agreed with us. • For business travel world wide The insurance covers up to NOK 30,000 per person, and up to NOK The insurance is valid beyond this period up to: 60,000 per family, until return to the destination/the insured’s • 2 days (48 hours), due to unforeseen and compelling reasons home in Norway/station abroad is possible, up to a maximum of 30 beyond the insured’s control (e.g. weather conditions) days following the onset of the incident. • 30 days, when travel is extended due to illness and the insured is unable to travel home due to medical reasons; in this case the 1.4 Strike – lockout – bankruptcy planned date for travel back home must fall within the insuran- The insurance does not cover loss/damage/expenses related direct- ce period. ly or indirectly to a strike, lockout or other form of labour conflict which occurs during travel. We will not pay for any expense or 1.2. Eligibility financial loss related to a bankruptcy. Unless otherwise agreed upon, the insurance is valid for the per- son(s) named in the Certificate of Insurance. 1.5 Loss of income The insurance does not cover loss of income – regardless of cause. If the insurance covers family members who live with the insured at the station abroad, the following regulations apply: 1.6 Expeditions • Co-insured spouses/partners/registered partners must have the The insurance does not cover participation in expeditions and sim- same residential address as the insured. ilar travel. For information on additional insurance coverage, see • Co-insured partners are not designated beneficiaries in relation point 11.3. to payment of compensation upon death if the partner is not named as a beneficiary. If the insured is not married and a bene- 1.7 War/terror/political unrest ficiary has not been designated, compensation will be paid to An additional insurance has to be taken out for damage/loss or the insured’s heirs as stipulated by law or testament; see FAL 15- expenses due to war, terror, political unrest or similar disturbance 1. of the public order at the site of the stationing, see point 11.4. • Co-insured spouses are not covered by the insurance from the moment a pronounced judgment for or agreement for separation Business travels from the site of the stationing are covered. or divorce has been reached, even though the decision is not General rules point 1.2 will not apply legally binding or final. • Spouses/partners/children that remain in the home country or Holidays and other leisure travel to such areas are not covered. children at school/studying elsewhere than the stationing loca- tion, are not considered as co-insured The provisions in Chapter 1 also apply when medical insurance • The insured's children are co-insured until the first annual rene- and/or personal accident insurance is included in the insurance wal date after the child's 20th birthday. “Children“ means: agreement. • The insured's own children • Co-insured spouse's/partner's children 2. CANCELLATION INSURANCE (Special Condition 336) • Adopted children. The child is co-insured from the moment the insured assumes de facto care for the child If cancellation insurance is included in the agreement, this is stat- • Foster children. The child must have the same residential ed in the Certificate of Insurance. address as the insured • Children born by surrogate mothers. The child is co-insured 2.1 Validity of insurance when finally discharged from the hospital after birth The insurance is valid for travel/rental arrangements throughout the world. The insured’s travel/rental arrangements must be paid 1.3 Evacuation for before departure, and travel must commence from the insured’s Europeiske covers necessary and documented additional expenses residential address in their home country or the station abroad. for travel and accommodation in the event of evacuation to the nearest secure destination or to the insured’s home in Norway/sta- 2.2 Extent of coverage tion abroad when the cause of the evacuation is: The insurance covers the amount paid by the insured prior to the • War, terrorist attack, unrest or similar serious disturbance of the date of the incident – according to a receipt – for the cancelled public order. “Terrorist attack” is defined as an illegal, injurious travel and which is non-refundable. Events are included when they action directed toward the general public, including an act of are a part of the travel arrangement. violence or dangerous dispersal of biological or chemical sub- stances – and which appears to have been carried out for the The insurance period is calculated from the moment the purpose of influencing political, religious and other ideological travel/rental arrangement is fully or partially paid until the institutions or to evoke fear. The evacuation must take place in planned departure time. The insurance must have been in effect at accordance with the travel advice for a certain area issued by the the first payment date. The insurance does not cover cancellation Norwegian Ministry of Foreign Affairs, or as agreed with us. The after the travel has commenced; see point 1.1.

5 2.3 Exclusions to coverage 2.6 Claims settlement The insurance does not cover: a) Safety regulation: When it is obvious that a planned journey • Taxes and public fees must be cancelled, you are obliged to notify the travel agency/rental • Non-refundable bonus points agency about the cancellation as soon as possible and follow the • Fees in connection with refund of taxes and public fees instructions given by the agency regarding the cancelled travel/ • Travel arrangements that have been transferred to others rental agreement. • Insured's time-share property, also annual expenses/loss of income • Arrangements cancelled by the organizer The consequences of lack of compliance with the safety regulation are • Business travels paid by other employer than the policy holder described in the Terms and Conditions; see point 12.2 and FAL 4-8.

2.4 Liability b) When an insured event occurs, the insured must inform The insurance covers cancellation costs when the insured is unable Europeiske and the organization where the travel/rental arrange- to travel due to: ment was purchased without undue delay. The insured is required • acute and treatment-intensive illness, accident or death which to give Europeiske all available information and documents which affects the insured or his/her close relatives, or the insured’s the company needs to assess its liability and payment of compen- sole travelling companion or his/her close relatives; see point sation. 12.3. • the insured's/ coinsured spouse's/coinsured children's planned The following must be submitted with a claim for compensation: examination, treatment or an operation which is moved forward • original travel documents/tickets/rental contracts, with receipts or postponed and notification is given less than 14 days prior to for the paid travel/rental arrangement the departure date • credit note showing the date of cancellation and the cancellati- • the insured/coinsured spouse/coinsured children who is summo- on expenses ned for jury service or called as a witness in a court of law less • doctor’s certificate confirming that the insured consulted with a than 14 days prior to the departure date doctor before the travel began, and that the cancellation is due • a close colleague, employee or manager, who is employed by the to an acute and treatment-intensive illness/accident which policyholder on the day of the incident, becoming acute and occurred during the insurance period seriously ill, seriously injured in an accident or dies. • certification from a doctor/hospital or other authority confir- If a planned conference, meeting, seminar etc, arranged by the ming that illness, accident or death has affected the insured’s policyholder, is cancelled due to a such event, this insurance has close family, the insured’s sole travelling companion or the close no coverage for cancellation expenses family of the sole travelling companion. The same applies in the • one of the insured’s travelling companions (up to 6 persons) event of illness/accident/death of a travelling companion or key becoming unexpectedly and acutely ill, seriously injured in an person accident or dying. Travelling companions are defined as people • certification from a doctor/hospital or other authority confir- who have bought a trip together with the same departure date ming that illness, accident or death has affected the insured’s and same destination. colleague, co-worker or manager • a key travelling companion being unable to travel due to the indi- • accident report/appraisal/police report confirming that the can- vidual in question becoming unexpectedly and acutely ill, seri- cellation is due to fire, burglary, damage due to natural disaster ously injured in an accident or dies less than 14 days before the or water leakage damage planned departure date. Key travelling companion is defined as a person that the rest of the group is dependent on in such a way c) Cancellation expenses may not be claimed in excess of the that the trip cannot be made without that person’s participation insured’s actual financial loss related to the cancelled journey. (chauffeur, pilot, conductor, etc.). A key person may also be a Travel/rental agreements that the insured has paid for other per- person with whom the insured had a scheduled meeting, but who sons than the coinsured spouse/children, are not to be considered because of acute illness, accident or death is unable to attend the as the insured's financial loss. If the insured has bought cancella- meeting, causing the planned business travel to lose its purpose. tion insurance or a cancellation guarantee from the agency, we will • fire, burglary, natural disaster and water damage that affects the only reimburse the agency’s cancellation fee insured’s residence, office or business and which requires the insured’s presence d) If the cancellation expenses are compensated by others, • that the country or area the insured is planning to visit is stric- Europeiske will assume the insured’s right to compensation for the ken – less than 72 hours before departure – by epidemic, natu- amount refunded under this insurance policy. ral disaster, terror or war that make all travel to the area impos- sible and when the Norwegian Ministry of Foreign Affairs advise 3. DELAYS against all travel and stay in a certain area . 3.1 Delayed departure Compensation is payable when incidents as described above occur When the insured is delayed due to the fact that the pre-paid pub- during the insurance period. lic transport does not leave at scheduled time, the insurance covers necessary, documented expenses for catching up with the Compensation is limited to max NOK 40,000 per person and max planned itinerary. NOK 100,000 for families. The delay must be due to: 2.5 Limitations to liability • weather conditions that delays the means of transport that the The insurance does not cover cancellation due to: insured is travelling with/will travel with • pregnancy, pregnancy complications or the voluntary terminati- • technical problems and/or a traffic accident involving the means on of pregnancy of transport; see point 12.3 • a hospital stay, evaluation, examination or treatment which and must occur after travelling has started, see point 1.1 takes longer than planned • a planned recreational/curative stay which is moved forward or The delay and its cause must be confirmed in writing by the tour postponed operator or transport company. • the travel has lost its purpose in cases other than those descri- bed in point 2.4 We will pay up to NOK 1,500 per person and up to NOK 4,000 per • fear of illness/infection other than described in point 2.4 family for travel expenses or overnight accommodation.

6 The insurance does not cover expenses incurred due to flight delay, 4. LUGGAGE INSURANCE cancellation or overbooking which falls under the EU directive 261/2004 and for which the airlines themselves are liable for pay- 4.1 Extent of coverage ing compensation. The insurance covers: • Personal luggage, defined as personal belongings which the 3.2 Delayed arrival insured takes with him/her for personal use while travelling and If a delay of more than two hours causes a missed departure, the during his/her stay. Personal luggage also includes items the insurance covers necessary, documented expenses for catching up insured is entitled to use according to a written contract issued with the planned itinerary. by acquisition of the item. • Employer’s belongings the insured brings with him/her while The delay must be due to: travelling, see point 4.5 g • weather conditions • Personal luggage sent as checked luggage when the insured • technical problems involving the means of public transport that travels by the same means of transport. Any separation of the the insured is travelling with/will travel with insured from his/her luggage which occurs merely at the behest • a traffic accident involving the means of public transport that of the carrier does not affect the insured’s right to compen- the insured is travelling with/will travel with; see point 12.3 sation. • technical problems and/or a traffic accident, involving the pri- vate car that the insured is travelling in and that requires road- 4.2 Exclusions to coverage side assistance service; see point 12.3 The following items are not considered to be personal luggage: and must occur after travelling has started, see point 1.1 • Motor vehicles and caravans and their accessories. Accessoires are defined as alarms, spare parts and permanently mountet While staying at an offshore-installation/ship/vessel, there must equipment, such as music systems, mobile phones and roof be at least 72 hours scheduled between arrival at the heliport and boxes. Driving equipment for the motor vehicle, such as driving the next departure. suits, helmets, gloves, boots and luggage bags/boxes are inclu- ded in the definition of accessories when such items are in use The delay and it's cause must be confirmed in writing by the tour- or stored in the motor vehicle; see point 4.5 e operator or the transport company • Boats and their accessories. Canoes and kayaks are not conside- red to be boats. We will cover: • Equipment for aerial sports equipment including parachutes, • Travel expenses of up to NOK 20,000 per person and up to NOK hanggliders or paragliders with accessories, and equipment for 50,000 per family base jumping • Overnight accommodation of up to NOK 1,500 per person and up • Goods in transit, furniture and household property to NOK 4,000 per family • Merchandise and samples, tools, machines and measuring instru- ments The insurance does not cover expenses incurred due to flight delay, • Drawings, manuscripts, documents, travellers’ checks, securities, cancellation or overbooking which is regulated by the EU directive membership/entrance/ID cards, certificates/attestations of all 261/2004 and for which the airlines themselves are liable for pay- types ing compensation. • Stamps, collectables, exposed film and filed information. Collect ables are defined as items of interest and value to collec- tors, such as artwork, genuine rugs, weapons, coins, currency 3.3 Delayed luggage – business travel and stamps When checked luggage arrives late at the point of destination, and • Food and beverages the delay is certified by the carrier (e.g. Property Irregularity • Animals Report), necessary expenses documented with original receipts will • Property belonging to other employer than the policy holder be refunded for the purchase of clothes and toiletries for use dur- ing the time the luggage is missing. 4.3 Where the insurance does not apply The insurance does not apply when the insured is: Accompanying spouse/partner/children will have their expenses •At home refunded according to the rules in point 3.4. • At an educational institution/campus during classroom hours (pre-school, school, college, university, military service, etc.) A co-insured spouse/partner who is on a business trip for an • At the workplace during work hours. Workplace is defined as the employer other than the policyholder will have their expenses place the insured performs his/her normal, everyday work refunded according to the rules in point 3.4. The luggage insurance does not cover loss of/damage to personal The insurance covers up to NOK 6,000 per person. belongings which are kept in the above-named locations, not even while the insured is travelling. The insurance does not cover purchases made during the travel back home or after the insured has returned home. 4.4 Europeiske’s liability for loss/damage The insurance covers: 3.4 Delayed luggage – private travel When checked luggage arrives at least 4 hours late to the point of a) Theft. Theft is defined as the taking away of belongings that destination, and the delay is certified by the carrier (e.g. Property the insured has in his/her possession; see paragraphs 257 and 258 Irregularity Report), necessary expenses documented with original of the Norwegian Criminal Code. It is not considered theft when receipts will be refunded for the purchase of clothes and toiletries belongings are lost/misplaced and they are later kept by the per- for use during the time the luggage is missing. son who found the items; see paragraph 394 of the Criminal Code

The insurance covers up to NOK 3,000 per person. b) Robbery; see paragraphs 266 and 267 of the Criminal Code.

The insurance does not cover purchases made during the travel c) Burglary; see paragraph 147 of the Criminal Code. back home or after the insured has returned home. d) Vandalism. Vandalism is defined as when a person unlawfully

7 destroys, damages, renders unusable the insured’s belongings; see 1. The insured must keep watch over the secured items. This includes paragraphs 291 and 292 of the Criminal Code. an obligation to ensure that all belongings are brought along when leaving a location. e) Damage due to natural disaster, defined as damage resulting directly from a natural disaster such as avalanche, storm, deluge, 2. The insured must ensure that repositories and doors are locked. flooding, earthquake or volcanic eruption; see the Act relating to Keys/codes must be kept in a secure location. Windows and other Natural Disaster Insurance. openings must be locked and adequately secured to prevent unau- thorized persons from gaining access to a motor vehicle, caravan, f) Traffic accident involving a motor vehicle, boat, caravan or bicy- boat, cabin, apartment, hotel room or any other temporary accom- cle; see point 12.3. modation, such as a tent. Windows left ajar are not considered to be adequately secured. g) Fire/soot damage, direct lightning strike or explosion. Fire is defined as flames which are out of control. 3. The insured must carry cash, passport and tickets with him/her, or keep it locked in a permanently mounted safe/safe box in the h) Water damage, meaning flooding of water from a building’s pipes building or in a suitable place of safekeeping in a locked room in a or water suddenly penetrating the building from terrain or ground. building. Keys/codes must be kept in a secure location. i) Damage/loss during transport when luggage is sent as checked 4. The insured must place items described in point 4.5 e under lock luggage, and the damage/loss is confirmed by the carrier in a when not in use. If not a lockable repository is available, the insured Property Irregularity Report, see point 4.7 regarding suitcases, must carry the insured items with him/her. Items kept in a motor bags etc vehicle or caravan must be secured in a locked glove compartment, locked boot/roof box, or must be removed if the vehicle does not 4.5 Limitations to insurance sum have a glove compartment, boot/roof box. Such items shall not be Within the limits of the insurance sum, we will cover: kept in a tent or in a room accessible to others than the insured and his/her travelling companions a) Cash up to NOK 3,000 per person, up to NOK 6,000 per family. 5. The insured must not leave the insured item in/on a motor ve - b) CDs, DVDs, BlueRay and electronic games up to NOK 2,500 per hicle, caravan, boat or tent at night or for more than one day (24 insured event. hours). “At night” is defined as the period between the time of leav- ing the place of safekeeping during the day until the time of repos- c) Bicycles and mounted accessories up to NOK 4,000 per insured session the next day, and in all cases, vehicles, caravans, boats or event. Other accessories, such as helmet, shoes etc, will be com- tents left vacant from 00.00 hours until 06.00 hours. pensated as described in point 4.5 e 6. The insured must ensure that the insured items are adequately and d) Tickets (travel documents) and passports up to NOK 10,000 per suitably packed during transport. Electronic equipment brought along person. in a boat/canoe/kayak must be placed in a waterproof container. e) One or more of the following items up to a total of NOK 15,000 7. The insured must not send fragile items, perishable goods, cash, per person and NOK 20,000 per family: jewellery, wrist watches, spectacles, precious stones, precious met- • Jewellery, watches, pearls, precious stones, precious metals als, camera/video/computer equipment, audio-visual equipment • Antiques, artwork, rugs with accessories, mobile phones or other electronic equipment in • National costumes and accessories ( ex jewelry) checked luggage. • Furs, leather goods • Mobile phones 4.7 Exclusions to coverage • Photo/video equipment Europeiske does not cover: • Optical equipment • Damage attributable to the item’s normal use • Audio-visual equipment and accessories • Vandalism caused by a close family member, i.e. spouse/partner, • PC/computer equipment and other electronic equipment/acces- child, parent or sibling sories/software • Minor damage to suitcases, bags, backpacks, strollers and bicy- • Musical instruments and musical equipment cles, such as scratches, scuffs on corners or marks/stains • Weapons and ammunition • Damage to checked suitcases, bags or backpacks • Sports equipment, including equipment/accessories for fishing, • Damage to items during transport caused by seeping liquid, skiing, cycling, golfing, climbing, diving and aerial sports other broken items, perishable goods, or when the item’s condi- • Driving equipment related to a motor vehicle, such as driving tion/form has caused the damage outfit, helmet, gloves, boots and luggage bags/boxes; see point • Expenses/financial loss caused by lost/damaged luggage 4.2 • Expenses/financial loss caused by embezzlement/fraud, see para graphs 255, 256, 270 and 271 in the Criminal Code f) Other items listed in point 4.5 e are covered up to NOK 10,000 per insured event. 4.8 Claims settlement The provisions below apply instead of FAL 6-1. g) Employer’s belongings up to NOK 15,000 per insured event. Coverage is additional to the sum insured for luggage a) Reporting requirement Theft/robbery/burglary and other loss/damage must be reported h) Keys up to NOK 4,000 per insured event. immediately to the local police, hotel or tour operator on site. Loss of/damage to checked luggage must be reported immediately to 4.6 Safety regulations for chapter 4 the carrier and must be confirmed in a Property Irregularity Report. Safety regulations are standards of good judgement issued to pre- vent or limit loss/damage. If the safety regulations are disregard- When missing items are found after compensation has been paid, ed, Europeiske’s liability may be reduced or become void; see point the insured has a duty to inform Europeiske. The insured then has 12.2 and FAL 4-8. the right to keep the items, but must refund the compensation within 14 days of finding the items. If the insured does not com-

8 ply with this provision, the items become the property of • explosions Europeiske. See FAL8-1. • direct lightning strikes, meaning that the object is struck direct- ly by the lightning bolt and clearly marked by the impact b) Documentation requirement • electrical phenomena, meaning short circuiting, electric arc, The insured must give Europeiske the information and documents flash-over, excess voltage, also as a result of lightning and thun- (i.e. receipts and certificates of guarantee) that the company derstorms needs to assess its liability and payment of compensation without • leakage of gas, water or other liquids from pipes and related undue delay. Damaged items must be kept and sent to Europeiske equipment, in the event of breakage, leakage or flooding from upon request. See FAL8-1. such equipment. Loss of gas, water or other liquids is covered up to NOK 10,000 per insured event c) Compensation • water which suddenly penetrates into the building from terrain • Loss/damage will be compensated up to the insured sum, but or ground resulting in visible, standing water over the lowest never over the insured value. The insured value is determined by part of the floor. Water which has penetrated between floor lay- what it would cost, including fees, to purchase a similar item for ers is not considered to be standing water in this regard the same purpose on the day of loss/damage. • flooding or leakage from an aquarium or waterbed • Deductions will be made for depreciation, wear and tear, and • leakage from a fire extinguisher reduced utility. When assessing depreciation, the item’s probable • theft of personal property from a building and damage in con- useful life will be considered. nection to the break-in. Building damage due to a break-in is • Items bought second-hand, at auction or received through inhe- covered up to NOK 16,000 per insured event ritance or as gifts, are covered according to the cost of buying • theft from a storage room with access from a shared basement, a replacement item in a similar used condition or by its market loft or garage. Covered up to NOK 25,000 per insured event value. • theft from the grounds of a private residence, not including • Antiques, art, antique rugs and antique weapons will be com- common areas. Covered up to NOK 10,000 per insured event pensated by the market value • theft from a building at the insured’s workplace, but not from a • Items bought abroad and not declared under the Customs Act construction site. Covered up to NOK 5,000 per insured event chapter 4, will be compensated up to the current amount for • theft of bicycles or strollers from the insured’s residence, work- duty-free import to Norway place or educational institution. Bicycle trailers which are loc- • Europeiske may elect to compensate the loss/damage through ked or permanently mounted onto the bicycle are also covered. cash payment/repair/re-acquisition, or by Europeiske’s procure- Covered up to NOK 5,000 per bicycle/bicycle trailer ment of an equivalent or comparable item. • frozen foods, when the freezer temperature rises unintentional- • If compensation is paid in cash, the amount may not exceed ly. Covered up to NOK 10,000 per insured event that which Europeiske would have paid for the repair or re- • breakage of window panes and sanitary porcelain in a rented or acquisition. co-owned residence • If compensation is made through repair or reacquisition, • natural disasters which result directly from avalanche, storm, Europeiske has the right to decide which repairer or supplier flood, deluge, earthquake or volcanic eruption. The provisions in must be used. the General Terms and Conditions, point 1.1 do not apply. • Compensation for lost/damaged luggage or related expenses never can be claimed in excess of the insured’s actual financial loss. 5.4 Europeiske’s limitations to liability • If the loss may be compensated by others, the company will Within the limits of the insurance sum, the insurance covers: assume the insured’s claim for that part of his/her loss which is refunded under the insurance policy. a) Cash and securities up to NOK 10,000 per insured event. • Europeiske has the right to check the insured’s information by making inquiries to stores and others and is not obligated to pay b) Boats, canoes, kayaks, surfboards, hanggliders and paragliders compensation before the necessary inquiries have been made. up to NOK 10.000 per item.

5. PERSONAL PROPERTY INSURANCE c) Necessary additional expenses related to a stay outside the insured’s permanent residence when the residence is not inhabita- 5.1 Extent of coverage ble as a result of the damage and necessary moving and storage The insurance covers the insured’s personal property, the employ- expenses up to a total of NOK 40,000 per insured event. Stays of er’s property and that which the insured has assumed responsibil- more than one week must be approved in advance by Europeiske. ity for according to written agreement/rental contract at the resi- dence at the station abroad. Personal property is otherwise cov- d) Expenses arising from the necessary reconstruction of manu- ered as stated in the Terms and Conditions. scripts, professional drawings, calculations, archives, photographs, film, video, data and software up to NOK 10,000 per insured event. 5.2 Exclusions to coverage Expenses for travel and accommodation in this connection are not The following items are not covered: covered. • motor vehicles, including parts or permanent accessories, tires and wheels for motor vehicles 5.5 Safety regulations for chapter 5 • boats more than 15 feet in length. (Canoes, kayaks and wind- surfers are not considered to be boats.) 1. The insured must comply with local fire regulations and orders • outboard motors with more than 10 horsepower issued by the authorities. • docks • lawn mowers, snow blowers, tillers 2. To prevent damage from freezing, the insured must ensure that • occupational equipment and merchandise the residence is adequately heated or that the pipes are drained and • aircraft, parts and accessories to aircraft. (Hanggliders and para- the stopcock is tightly closed. gliders are not considered to be aircraft.) 3. The insured must ensure that doors are locked and that keys are 5.3 Europeiske’s liability for loss/damage kept in a secure location. Windows and other openings must be The insurance covers loss/damage resulting from: closed and adequately secured with a catch or similar device. • fire, defined as flames which are out of control Windows left ajar for ventilation are not considered to be adequate- • sudden blackening from soot ly secured. In buildings other than a private residence, money,

9 jewellery, cameras, furs and other valuable items must be kept under becomes older than 5 years, for PCs and computer equipment 1 lock and key, or be otherwise comparably secured. year, at the most 80%. If the damaged parts are of different ages, the oldest part will be used as the basis for calculation. 4. The insured must ensure that bicycles are locked and that keys are kept in a secure location. The age of the item is calculated from and including the first year of use. The first year of use is considered to expire on 31 5.6 Exclusions to coverage December, regardless of when during that year the item was put to The insurance does not cover loss/damage resulting from: use. For items with little wear or deterioration, a deduction will • burn and spark marks not caused by fire not be made if the item’s value was at least 75% of the value as • damage caused by water seeping into a building from outside, new at the time of damage. Value is calculated according to the unless the damage is covered under point 5.3 item’s age, wear and tear, probable time of usability, and reduced • damage caused by fungus, dry rot or bacteria usefulness. Items purchased second hand, at auction or received as • theft from a common room or common garage, even if the an inheritance/gift are compensated at the price of replacement of belongings are kept under lock and key a similar used item. The same applies for a deceased’s estate or • theft and criminal damage to rooms in a building site other than heirs who are to receive compensation. in living rooms • theft from and criminal damage to a building which is publicly Europeiske may decide to compensate the loss/damage through accessible, or a room which does not require special permission cash payment, repair or reconstruction/replacement of a compara- to enter ble item. Damaged items will not be compensated in excess of the • damage to window panes and sanitary porcelain from scratching, insured’s actual financial loss. shredding, etc., regardless of cause • damage related to improper sealing or framing of window panes If the damage/loss may be compensated by others, Europeiske will • damage to glass or sanitary porcelain which is mounted for or is assume the insured’s claim for that amount which is refunded related to the performance of a trade under the insurance policy. • damage to glass in a greenhouse • damage caused by a member of the insured’s household, a ren- 6. RECALL – RETURN TRAVEL – SUMMONING OF CLOSE ter or a member of the renter’s household RELATIVES

5.7 Claims settlement 6.1 Europeiske’s liability The provisions below apply instead of FAL 6-1. The insurance covers: a) Reporting requirement a) Recall Damage/loss resulting from fire, theft, vandalism, assault or rob- Necessary and documented expenses are covered for travel expen- bery must always be reported to the local police. ses when the insured must travel home due to: When missing items are found after compensation has been paid, • sudden and serious illness, serious accident or funeral/burial of the insured has a duty to inform Europeiske without undue delay. a member of the insured’s close family The insured then has the right to keep the items, but must refund • fire, burglary, natural disaster or water leakage in the insured’s the compensation within 14 days of finding the items. If the residence, office or business, and which requires the insured’s insured does not comply with this provision, the items will become presence the property of Europeiske. See FAL 8-1. We will only pay one recall travel per insured incident. b) Documentation requirement b) Return travel The insured must give Europeiske the information and documents After recall, necessary and documented expenses are covered (i.e. receipts and certificates of guarantee) that the company for one travel back to the station abroad when the return travel needs to assess its liability and payment of compensation without takes places within 14 days following the travel home. The return undue delay. Damaged items must be kept and sent to Europeiske travel must take place during the planned stay at the station upon request. See FAL 8-1. abroad and within the period of insurance. c) Compensation Recall and return travel are covered up to NOK 60,000 per insured A deductible of NOK 3,000 per insured event will be applied to the event. claims settlement. c) Summoning of close relatives Compensation up to the insurance sum will be calculated on the Necessary and documented additional expenses for travel and basis of the cost of repairing the item to the same or similar con- accommodation are covered when one or two close relatives are dition that it was in before the damage occurred, calculated summoned to the place of the incident due to an acute and seri- according to the value at the time of damage, or replacement of ous illness, serious accident or the death of the insured. the same or comparable item, calculated according to the value at Summoning of close relatives is not covered when a decision has the time of damage. The basis for compensation cannot be set already been made to repatriate the insured or when the insured higher than the value before the damage occurred, minus the has already been admitted to a hospital/institution in his/her remaining value following the damage. Discarded personal proper- domicile. ty is covered according to its sales value as used goods. 6.2 Limitations to liability For replacement, a deduction will be made for an increase in value Europeiske does not cover summoning of close relatives when the because used items are replaced with new ones. For items other insured becomes ill, insured or dies from a cause not covered by than clothes/shoes, electrical devices, machines or appliances, a the medical insurance and/or personal accident insurance; see deduction is calculated at 5% for each year the item is older than Terms and Conditions, points 7.2, 7.4, 8.2 and 8.3. 5 years. The deduction is limited to 80%. For clothes/shoes a deduction is calculated at 10% for each year clothes/shoes are 6.3 Claims settlement older than 1 year, at the most 80%. For electrical devices, a) Reporting requirement machines and appliances, the deduction is calculated on the basis The insured must document the claim to compensation with writ- of the total costs at 10% for each year begun after the equipment

10 ten documentation of the interrupted travel/stay and submit doc- • hospital stays, including nursing care, medicines and bandages/ umentation that the expenses incurred were caused by the circum- casts stances stated in point 6.1 a and arose during the term of insur- • doctors’ fees for examinations, anaesthesia and surgery ance. • operations and treatment/stay in intensive care • pathology, lab tests, x-rays, MR/CT/PET scanning and physiot- Europeiske has the right to obtain information from doctors, hos- herapy pitals, etc. deemed necessary to assess the claim. • artificial body parts (not teeth) which are surgically implanted to replace one or more damaged body parts b) Approval in advance • examinations and treatment for cancer Recall, return travel and summoning of close relatives must be • hospital stay for one parent when a child under 18 years old is approved in advance by Europeiske. admitted for treatment. This assumes that the child is covered by the insurance c) Compensation • psychiatric treatment of up to 90 days during the term of insur- Expenses for recall, return travel and summoning of close relatives ance shall never be covered in excess of the insured’s actual financial loss. We cover only one trip home and as applicable return trip per c) Pregnancy and birth insured event. We pay necessary expenses due to: • regular prenatal care (doctor's fees and ultrasonic testing) 7. MEDICAL INSURANCE (SPECIAL CONDITION 348) • travels to/from the nearest adequate medical center • uncomplicated delivery/planned caesarean 7.1 Extent of coverage • accommodation due to a delivery for the insured and a compan- The insurance covers documented expenses for necessary and usual ion medical treatment arising during the term of insurance due to: • medical examination immediately after giving birth • unexpected and acute illness, accidental injury or death of the insured due to causes stated above We pay up to NOK 80 000 per pregnancy/birth • acute, unexpected deterioration of/change in an existing ill- ness/chronic condition which requires acute treatment to resto- d) In-home nursing care re the insured to the same health status he/she had before the The insurance covers up to NOK 1,200 per day for up to 30 days deterioration/change occurred per insurance year for expenses for authorized nursing care at • necessary medicines and necessary check-ups/follow-up by a home immediately following a hospital stay. Expenses are covered doctor due to an existing disease/chronic condition only when in-home nursing care is necessary in the sense that the insured otherwise would have had a longer stay in hospital. The insurance also covers repatriation/medical evacuation of the insured, catching up with a planned itinerary, expenses related to e) Ambulance transport pregnancy and birth, and dental expenses. Expenses are covered for necessary transport by ambulance upon admission to a hospital; from the insured’s home to a hospital, 7.2 Exclusions to coverage from the hospital to the insured’s home, from the insured’s work- The insurance does not cover: place to a hospital, from one hospital to another or from air- • examination and non-medicinal treatment, e.g. surgery, radiati- port/boat harbour to a hospital. on therapy, etc. due to an illness/condition that was known before the insurance policy was taken out f) Dental treatment • expenses incurred in the USA/ when the insured has tra- Expenses for acute dental treatment are covered up to NOK 6,000 velled there for medical treatment of an illness/condition/inju- per insured during a policy year. ry which occurred in another country. • treatment due to use or abuse of alcohol, medicines or other g) Repatriation/medical evacuation drugs After pre-approval from Europeiske, medical transport to the near- • treatment of abstinences and medication related to this, e.g est qualified treatment centre or to the insured’s home is covered metadon, subutex and others when adequate medical treatment cannot be given where the insured is located. For treatment outside the insured’s home coun- 7.3 Europeiske’s liability and limitations to liability try or station abroad, the insurance covers additional expenses for a) Outpatient treatment prescribed by a doctor travel directly to the insured’s home/residence – when travel home The insurance covers: is medically safe. • fees for consultation with a general practitioner/specialist • up to 24 treatments by physiotherapy/chiropractic treatment In the event of death, the insurance covers transport of the cas- • up to 12 consultations for psychiatric treatment ket/urn to the deceased’s home. As an alternative to transport • medical tests and x-rays home, Europeiske can cover burial/funeral expenses on site of up • prescribed medication to NOK 40,000 per insured event. • bandages/casts • necessary vaccinations, as recommended by WHO h) Return travel/replacement Following repatriation of the insured in accordance with point 7.1, We will pay up to NOK 65,000 per insured for expenses incurred the insurance covers necessary and documented expenses for travel during a policy year directly back to the station abroad, within one month of when the insured is declared fit. Expenses are covered unlimited for: • MR/CT/PET scanning A return travel must take place within the planned stay at the • examinations and treatment for cancer diagnosed during the stationing location and during the insurance period insurance period • surgery If the insured, due to his/hers medical condition, is unable to return to the stationing location, we will pay for a replacement b) Hospitals stays and outpatient surgery within 14 days after the insured was repatriated Expenses are covered unlimited for:

11 i) Escort 7.5 Claims settlement The insurance covers necessary and documented additional expens- a) Reporting requirement es for travel and accommodation for an escort when the insured is The insured must consult a doctor and follow his/her medical stricken by an insured event as described in point 7.1 and when advice regarding treatment. He/she must also make sure to obtain the escort will: written confirmation from the attending doctor on site and submit • stay with the insured at the destination until it is possible to documentation that the expenses incurred are a result of the cir- travel home or continue the planned travel in cases in which tra- cumstances stated in point 7.1 and which occurred during the term vel home or further travel is postponed/changed according to of insurance. orders from the doctor on site • accompany the insured to a treatment centre or to the insured’s b) Advance approval home Medical evacuation/repatriation, recall, return travel, replacement and summoning of close relatives must be approved in advance by j) Postponement/catching up with a planned itinerary Europeiske. For hospital stays, Europeiske must be informed with- Necessary and documented expenses for travel and accommodation out undue delay when expenses are estimated to exceed NOK are covered when the insured cannot follow the planned itinerary 5,000. for medical reasons according to doctor’s orders. The insurance does not cover additional expenses after the insured has returned c) Advisory Management to his/her station abroad. To ensure the quality of medical treatment, and a beneficial col- laboration with the attending doctor or hospital, Europeiske k) Personal expenses reserves the right to refer the insured to the doctor/hospital that During hospitalization for reasons described in point 7.1, we will is to be used. refund up to NOK 1,000 per insured event for necessary and docu- mented purchase of toiletries, food, phone calls, etc. Europeiske has the right to obtain information from doctors, hos- pitals, etc. which is necessary to assess the claim. 7.4 Exclusions to coverage The insurance does not cover expenses resulting from: 8. PERSONAL ACCIDENT INSURANCE (Special Condition 351) • base-jumping, boxing, wrestling, judo, karate and other com- bat/self-defence sports or training for this Coverage for personal accident is not included in this insurance • participation in, or being an accessory to, a criminal act agreeement • self-inflicted injury or suicide • funeral or burial after the casket or urn has been transported PERSONAL LIABILITY INSURANCE home • stays outside a hospital for convalescence/rehabilitation 9.1 Extent of coverage • use of narcotics, medicine or alcohol The insurance covers liability for damages the insured may incur as • health check-ups and routine examinations without particular a private person under the current legislation in the particular symptoms of illness country for injury to another person or damage to property. Injury • voluntary abortion, sterilization, birth control, infertility, sexual to another person is considered to have occurred when the result problems or sex change is illness or death. Damage to property is considered to have • illness/discomfort due to pregnancy occurred when property, including animals, has been damaged or • expected complications following an injury, illness or medical lost or when electronically saved information becomes corrupted or condition which did not occur during the term of insurance is lost in another way. Financial loss is also covered when it results • injury, illness or medical condition caused by nuclear radiati- from injury/damage covered by the insurance. on/chemical pollution • participation in war, civil unrest or terrorism The damage must be ascertained by the insured or the claimant • cosmetic surgery/cosmetic treatment during the term of insurance. The damage will be covered by that • deafness due to age or hearing devices insurance agreement which was valid at the time the damage was • correction of eyesight or glasses/contact lenses ascertained. All damage resulting from the same occurrence will be • speech disabilities regarded as one insured event and be considered to have occurred • learning disabilities and behavioural/developmental problems at that point in time when the damage first was ascertained. • snoring/sleep-related breathing difficulties/problems • dental treatment not necessitated by an acute condition, e.g. 9.2 Limitations to liability routine check-ups, orthodontic work, whitening Europeiske does not cover liability incurred by the insured: • dialysis for more than 30 days • When the sole basis for liability is a guarantee, contract, promi- • experimental treatment methods, i.e. treatment not acknowled- se, commitment or other agreement entered into before or after ged by the established medical community, e.g. stays at a cura- the damage was ascertained tive spa, alternative medical centre, etc. • For damage to items the insured rents, borrows, uses or keeps. • aids/tools such as measuring instruments, insoles etc The insured’s liability for a rented residence is covered if the • obesity treatment, such as surgery, physical exercise, wight loss damage results from fire, explosion or leakage of water/liquid classes, dietary supervising etc from the building’s pipes • congential defects/disorders • For defamation, damages for non-economic loss or fines; see the Law on Compensation Assessment, 13 June 1969, no. 26, secti- The insurance does not cover expenses due to sports and recre- ons 3-5 and 3-6 ational diving deeper than 40 meters, unorganized aerial sports, or • In relation to spouse/partner, parents/stepparents/foster motor sports performed as part of a competition or training for parents/in-laws, siblings, children/step-children/foster children such competition, unless an additional insurance policy is taken and their spouses/partners. The family relation at the day of the out; see Terms and Conditions, point 11.1. insured incident is the basis for any decision • In relation to a business managed/owned by the insured or in The insurance does not cover altitude sickness or other medical which the insured’s family holds a major interest conditions due to being/staying at heights above 4,000 meters, • As the owner, driver or user of a motor vehicle, industrial machi- unless an additional insurance policy has been taken out, see ne with its own propulsion. Liability is covered, though, as the Terms and Conditions, point 11.3. owner, driver or user of an industrial machine with its own pro-

12 pulsion which cannot be driven faster than 10 km per hour with Our total compensation liability is limited to NOK 6 million per a total weight up to 750 kg, and which is only used on/in con- insured event. Legal fees are covered in addition. nection with the insured’s own property. Motorized wheelchairs and other similar motorized transport devices used by disabled 10. LEGAL EXPENSES persons are not considered to be motor vehicles when they can- not be driven faster than 10 km per hour. Motorized devices for 10.1 Extent of coverage children are not considered to be motor vehicles when they have The insurance covers legal representation/assistance up to NOK a maximum speed of 6 km per hour and do not weigh more than 20,000 per dispute when the insured becomes a party to a legal 50 kg dispute as a private person requiring legal assistance before the • As the owner, driver or user of a sailboat or motor-powered boat. travel is completed. Court costs and legal fees imposed by the Windsurfers, canoes and kayaks are not considered to be boats court are not covered. • As the owner, driver or user of aircraft. Hanggliders/paragliders without motors are not considered to be aircraft in this regard 10.2 Exclusions to coverage • As the owner, rider or user of registered trotting or racing hor- The insurance does not cover expenses from legal disputes which ses involve: • For property damage resulting from excavating, drilling, blas- • The insured’s profession or trade, including compensation accor- ting, surveying and demolition. Blasting also includes the use of ding to the Workmen's Compensation Law or the Occupational an expanding mass Regulation chapter 1-7 • For parents’ no-fault liability for their child’s injurious acts; see • The insured’s real estate or the purchase/sale of real estate or Law on Compensation Assessment, 13 June 1969, no. 26, secti- timeshare property on 1-2 • Separation, divorce, child custody, visitation rights, paternity, • During the performance of a profession/trade inheritance, demand for return of gifts, child support, estate • As the owner of real estate distributions, dissolution of the economic relationship between • For damage that the insured has caused intentionally or through living partners and dissolution of the household partnership, as neglect, and the consequences of such damage well as descendent estate matters • For pollution of air, water or ground, or damage resulting there • Cases falling solely under the authority of local courts, except from, unless the cause is sudden and unexpected. Pollution also for those involving a residential rental agreement includes dust, noise, din, smell, light and radiation • Letters of credit and other negotiable documents, collection Safety regulation: The insured is responsible for ensuring that cases in which the payment demand is not disputed, debt nego- the authorities’ requirements/regulations are complied with regar- tiations cases and cases involving bankruptcy or associated debt ding supervision, storage and control of tanks, including contai- negotiations when the insured is bankrupt or a debtor ners, with flammable liquids and other chemicals. For the conse- • A motor vehicle, industrial machine with its own propulsion. quences of lack of compliance with security regulations, see point Disputes are covered, though, as the owner, driver or user of an 12.2. industrial machine with its own propulsion which cannot be dri- • For transmitting a contagious disease between persons, regard- ven faster than 10 km per hr with a total weight up to 750kg, less of the manner in which it occurs and which is only used on/in connection with the insured’s own • For damage to items/property due to dry rot and decay or by the property slow penetration of moisture • Sailboats and other motor-powered boats. Windsurfers are not considered to be boats in this regard 9.3 Claims settlement • Aircraft. Hanggliders/paragliders without motors are not consi- a) The insured’s obligations dered to be aircraft in this regard Damage or injury that may be expected to result in a claim for • Registered trotting or racing horse, or when the insured is a par- compensation must be reported to Europeiske without undue delay. tial owner, rider or user of these When a claim for compensation is made against the insured or the • Is relating to or arising out of a crime, Criminal cases, defama- company, the insured is obligated to give the company all infor- tion, libel, slander cases and claims for damages in such cases, mation significant to the claim and, at the insured’s expense, carry as well as cases involving liability according to the laws of the out all investigations that the company deems necessary. The particular country insured is obligated to attend all negotiations and court proceed- • Obviously can not prevail ings. If the insured, without the consent of Europeiske, admits to • Expropriation cases or other cases in which the insured seeks to liability or negotiates a claim for compensation, Europeiske will obtain the right to another’s property not be bound by such. • Public actions. Expenses related to a lawsuit are covered, howe- ver, when the administrative appeals process has been exhau- b) Compensation sted. In connection with a lawsuit, all expenses incurred during When a claim for compensation is covered by the insurance, it is proceedings within the public administration are excluded from the responsibility of Europeiske to determine if compensation lia- coverage. bility exists, to negotiate with the claimant and, if necessary, to • Lawyers’ fees/expenses or expenses for expert advisers/witnes- act as a party to court proceedings. ses • Expenses in personal injury cases related to car liability before Europeiske will bear its own costs in assessing compensation, even the motor vehicle’s insurance company has sent a written refu- though the insurance sum is exceeded. Other costs for external sal to cover the insured’s expenses for legal assistance before lawyers and other expert advisers, selected or approved by the court proceedings company, will be paid by the company. • Expenses incurred before the dispute arose • A claims settlement under this or other insurance agreement by If the claim for compensation is covered only partially by the Europeiske or If Skadeforsikring which covers the insured. insurance, the costs will be shared according to the parties’ finan- cial interests in the matter. 10.3 Claims settlement If the insured wishes to seek compensation under legal expenses If Europeiske is willing to negotiate the case or make the insurance insurance, Europeiske must be notified as soon as possible and no sum available, any charges later incurred are not covered. later than one year after an attorney was engaged. The notification Europeiske has the right to pay compensation directly to the must be in writing. The insured must select an attorney injured party. appropriate to the type of case and the location of the insured’s

13 current residence. The insured is obligated to limit the expenses as that an insured event has occurred. The insured also bears the bur- much as possible and to bear those costs incurred without good den of proof for showing that the insured event has resulted in the reason. expenses as stated in the relevant terms and conditions of insur- ance. Europeiske may demand to be kept informed as to the extent of expenses for which cover is being sought under the insurance and 12.2 Due diligence has the same right as the insured to obtain documentation as to a) The insurance contains safety regulations intended to prevent how the attorney has determined his/her fees. Hourly charges must or limit loss/damage, and these must be complied with. If a safe- be specified. ty regulation is violated, Europeiske’s liability shall be reduced or become void. This limitation does not apply if the claimant is not 11. ADDITIONAL INSURANCE COVERAGE to blame, or only marginally to blame, or if the insured event is not due to the violation of safety regulations. Even if Europeiske After an individual risk assessment/health evaluation, the insur- can invoke the above limitation due to the violation of safety reg- ance may be extended to include the following additional cover- ulations, the company may assume partial liability. When settling age: a claim, emphasis shall be placed on the type of safety regulation violated, the degree of blame, the cause of event, and whether the 11.1 Certain sports activities insured was in a state of self-induced intoxication, as well as the circumstances in general; see FAL Sections 4-8 and 13-9. The additional insurance covers: • Sports and recreational diving deeper than 40 metres b) Should the insured have brought about the insured event delib- • Unorganized aerial sports, defined as aerial sports not performed erately, Europeiske is not liable. If the insured has caused or under the auspices of a national or international association increased the extent of the insured event through gross negli- • Motor sports performed as part of a competition or training for gence, Europeiske’s liability may be reduced or become void. When such competitions settling a claim, emphasis shall be placed on the degree of blame, the cause of event, whether the insured was in a state of self- 11.2 Profession/trade induced intoxication, and what consequences the company’s The additional insurance covers the performance of professions reduced liability or no liability will have for the person who has the considered to have an increased risk of injury, such as professions right to be indemnified, or for other persons economically depend- performed at great heights (on ladders, scaffolding, lifts, etc.), ent on him or her, as well as the circumstances in general. These with the aid of machinery and production equipment, in proximity limitations do not apply if the insured was unable to understand to chemical substances, professions in agriculture and timber. the consequences of his/her actions due to age or state of mind; Other professions in this category: Transportation, warehouse, con- see FAL Sections 4-9, 13-8 and 13-9. struction, plumbing, electrical, painting, carpentry, road construc- tion/repair, sanitation, military, fire fighting, security, police and c) The insured shall report an insured event to Europeiske imme- prisons. diately. If damage/loss/expenses are incurred, the insured shall take reasonable action to mitigate the damage; see FAL 13-11, 13- 11.3 Expeditions 12. The additional insurance covers travel to relatively inaccessible d) If damage/loss/expenses are incurred because the insured has areas, without a public communication system, with poor infra- wilfully or through gross negligence failed to meet his/her obliga- structure, and travel which often requires the use of special equip- tions under these provisions, Europeiske’s liability may be reduced ment/special outfitting, e.g. climbing/trekking in the Himalayas or become void; see FAL 4-10. and similar regions and all travel to Arctic regions (not charter tours). e) If the insured’s right to compensation becomes totally or par- tially void as a result of his/her actions or neglect, this shall have In connection with an expedition, travel medical insurance may be the same effect as if comparable actions or neglect were carried out expanded to include altitude sickness and other medical conditions by the co-insured spouse/partner/registered partner; see FAL 4-11. caused by being at altitudes over 4000 metres 12.3 Definitions 11.4 War/terror/political unrest • Policyholder: The person who enters into an insurance contract The additional insurance will cover stay abroad in areas with with the company. increased risk of war/terror/political unrest or similar disturbance • The Insured: The person who has a claim for compensation or of the public order the insured sum. For liability insurance, the insured is the per- son for whom liability is covered. 12. GENERAL RULES • The Insured: That person’s life or health to which the insuran- ce is linked. 12.1 Duty of disclosure • Close Relatives: Spouse/partner/registered partner, children, When an insurance agreement is entered into or renewed, grandchildren, great grandchildren, parents, grandparents, great Europeiske may request information about conditions which may grandparents, siblings, brothers/sisters-in-law, parents-in-law, be significant for its assessment of risk. The policyholder and the and sons/daughters-in-law. insured shall answer the company’s questions truthfully and thor- • Partner: The person living in a marriage-like relationship with oughly. The policyholder and the insured shall also on their own the insured with the same registered residential address. volition provide information about special conditions that he or • Sole Travelling Companion: The person who is registered as the she should realize are of significance to the company’s risk assess- insured’s only travelling companion and who accompanying the ment; see FAL 4-1, 4-3, 13-1 and 13-5. Should the policyholder or insured on the entire journey. the insured fail to meet his/her obligation to disclose due to fraud- • Checked Luggage Personal Luggage which has been assigned to ulent intent and an insured event occurs, the company is not the care of a carrier against receipt, for shipment by air, sea, liable. Should the policyholder or the insured fail for any other rea- train or bus when the insured is travelling by the same means of son to meet his/her obligation to disclose, and he/she is not to transport. blame or only partially to blame, the company’s liability may be • Traffic Accident: A collision, running off the road, running reduced or become void; see FAL 4-2, 13-2 and 13-4. aground, capsizing or rollover when the vehicle/bicycle is in If loss occurs, the insured bears the burden of proof of showing traffic/in use; see BAL Section 3.

14 • Additional Expenses: Expenses incurred as a result of the insu- 2. Expert assessment red event taking place. If there is occasion to call for expert assessment in accordance with the terms and conditions of insurance, the following proce- 12.4 Double insurance/reimbursement dures will apply: Assessment must be made by qualified and impar- If a loss/damage is covered by others, we will assume the insured’s tial persons. Each party will select an assessor. If either party so right to compensation for the amount refunded by us desires, he or she may appoint a special assessor for specific items, or specific questions in the case of consequential loss. When one If several insurance policies hold benefits for a loss/damage, the of the parties has informed the other of his/her choice, the latter insured may choose which insurance he/she claims until full com- must respond in kind within one week of receiving the notifica- pensation is achieved. The compensation shall be divided between tion. Before the assessment, the two assessors will appoint an the companies according to each company’s liability for the arbitrator. If either of the parties so demands, the arbitrator must loss/damage. See FAL 6-3 reside outside the parties’ home location and outside the area of local authority in which the insured event took place. If one of the If the company has wrongly reimbursed the insured for a loss/dam- parties fails to appoint an assessor, the assessor will be nominat- age, the insured, or someone he/she can be identified with, is obli- ed on his/her behalf by the city or district court in whose juris- gated to repay the amount. diction the assessment will be made. If the assessors are unable to agree on the arbitrator, one will be appointed as described above. GENERAL TERMS AND CONDITIONS The assessors are obliged to gather such information and to carry out such inquiries as they deem necessary. They are obligated to 1. Special limitations to compensation liability give their assessment based on the terms and conditions of insur- 1.1 Europeiske is not liable for loss or damage, or the increase of ance. The two assessors will make their valuation and answer ques- loss or damage, which is caused directly or indirectly by, or in con- tions with respect to consequential loss without calling in the nection with, earthquake or volcanic eruption. This limitation arbitrator. If they are unable to agree, the arbitrator will be sum- applies unless specifically stated otherwise in the applicable terms moned and will make his/her assessment according to the same and conditions of insurance. guidelines on the points on which the assessors are in disagree- ment. If the arbitrator is summoned, compensation will be award- 1.2 The Company is not liable for loss or damage, or the increase ed on the basis of the arbitrator’s assessment. The compensation, of loss or damage, which is caused directly or indirectly by war or however, will not fall outside the limits indicated by the two asses- hostilities, whether war is declared or not, civil unrest and similar sors’ valuations. Each of the parties will pay their own assessor. serious disturbances of the public order. For insurance on build- The arbitrator’s fees and any expenses incurred in the assessment ings, machines, personal property, merchandise and losses associ- will be borne by the parties, each paying one half. If the compa- ated with business operations, public services and loss of build- ny calls for expert assessment in connection with damage to prop- ing/rental loss related to a housing co-operative/jointly-owned erty, and the other party is the policyholder as a private individ- housing, compensation is limited to EUR 50 million per insured ual, the company covers all the costs of the expert assessment if event, if the damage covered by the insurance is caused by or has the policyholder does not want to pay his/her share. The valua- occurred in connection with a terrorist attack. Damage to/loss of tions set by the assessment are binding on the parties. such items and interests located outside the Nordic countries, Estonia, Lithuania or Latvia and arising in connection with a ter- 3. Interest on indemnity rorist attack is not covered. “Terrorist attack” is defined as an ille- The insured is entitled to interest in accordance with the rules of gal, injurious action directed toward the general public, including Section 8-4 or 18-4 of the Insurance Agreements Act of 16 July an act of violence or dangerous dispersal of biological or chemical 1989, no. 69 (FAL). substances – and which appears to have been carried out for the purpose of influencing political, religious and other ideological 4. Consequences of fraud institutions or to evoke fear. “Insured event” is defined as all Whosoever is guilty of fraud against the Company forfeits all claims loss/damage suffered by policyholders of Europeiske and its parent to compensation against the Company in accordance with this and company, including other branches in the Nordic countries, other insurance agreements relating to the same event, and the Estonia, Lithuania or Latvia, within a period of 48 hours. If the Company may cancel any insurance agreement with the insured; established limit per insured event is exceeded, the insured must see FAL Sections 4-2, 4-3, 8-1 or Sections 13-2, 13-3 and 18-1; see bear a proportional reduction of the compensation amount. This also point 9 below. limitation applies unless specifically stated otherwise in the Certificate of Insurance or in the terms and conditions for person- 5. Deadline for reporting claims and taking legal action; time al accidence insurance or travel insurance. limitations 5.1 The Company will not be liable when: 1.3 The Company is not liable for loss or damage, or the increase 5.1.1 The insured has not reported the claim to the Company with- of loss or damage, which is caused directly or indirectly by, or in in one year after the insured became aware of the circumstances connection with, nuclear damage – irrespective of the cause – from upon which the claim is based. nuclear material (see the Nuclear Energy Act of 12 May 1972, no. 5.1.2 The insured has not brought an action or called for a hear- 28, Sections 1c and 1h).This exception does not apply to the use ing by the appeals board within six months from the day when the of radio isotopes which is specified in Section 1c of the Act and Company informed the insured in writing that the company does which are permissible in accordance with the Act governing the not consider itself liable and informed the insured of the deadline, use of x-rays and radium, etc. of 18 June 1938, no. 1. This limita- its length and the consequences of it being exceeded; see FAL tion applies unless specifically stated otherwise in the Certificate Sections 8-5, 18-5 and 20-1. of Insurance. 5.2 The insured’s claim will also expire in accordance with the pro- visions of FAL Section 8-6 or 18-6. 1.4 The company is not allowed to confirm benefits or pay any compensation if this may mean that the company then will be act- 6. Cancellation during the insurance period ing in conflict with sanctions or restrictions adopted by the United 6.1 The Company may cancel the insurance: Nations. The same applies for trade-/financial sanctions adopted 6.1.1 With 14 days’ notice, if incorrect or incomplete information by the EU, , Northern Ireland or USA. This limi- has been given regarding the risk; see FAL Section 4-3 or 13-3. tation may not be waived 6.1.2 With immediate effect, if fraud is found in connection with the information about the risk; see FAL Section 4-3 or 13-3.

15 6.1.3 With one week’s notice, if fraud is found related to a claims those parts of the agreement to which the claim applies, will be settlement; see FAL Section 8-1 or 18-1. cancelled. 6.1.4 After loss or damage has occurred, if the insured has delib- 7.6 A supplementary charge will be added to premiums paid by erately caused the loss or damage, or the insured has neglected to instalment. observe safety regulations, or the loss record deviates substantial- ly from the usual, or in the last 12 months there has been a total 8. Insurance renewal of at least three claims under this or other agreements with the An insurance policy which is valid for a period of at least one year Company. The cancellation notice is two months; see FAL Section will be renewed for one year at a time, unless the policyholder 3-3 or 12-4. gives notice of termination of the agreement within one month of 6.1.5 With two months’ notice, in cases where the use of the when the Company sends out ordinary premium notices for the new insured item or the insured’s activities change during the term of insurance year. The Company’s notice of termination is two months insurance in a way which means that the Company would not have prior to the expiration of the term of insurance. The terms and con- underwritten the insurance if the new circumstances had prevailed ditions of insurance may be altered and will apply from the day of at the beginning of the term of insurance, or affects the Company’s renewal. ability to reinsure; see FAL Section 3-3 or 12-4. 6.1.6 With two months’ notice, if there are repeated irregularities 9. Identification in the payment of premiums; see FAL Section 3-3 or 12-4. Provisions regarding the insured’s right to compensation becoming 6.1.7 or part of it with a limit of 14 days if the insured is involved wholly or partly void as a result of the insured’s actions or omis- in actions that may expose the company or its reinsurers of sanc- sions will be similarly applied with respect to actions or omissions tions or that they act in conflict with regulations described in by persons mentioned in FAL Section 4-11, paragraph 2. In busi- point 1.4. See FAL 3-7 or 12-4. A cancellation of an insured will ness situations, this applies to the actions or omissions by employ- have the same effect for any coinsured. If the company cancels an ees who have the overall responsibility for that part of the busi- insurance agreement, they shall immediately notify the coinsured ness where the negligence occurs. 6.2 The insured may cancel 6.2.1 Life insurance at any time during the term of insurance. This 10. Illegal interests point may not apply to agreements on collective insurance, and in The insurance only covers legal interests which can be valued in such cases this will be stated in the Certificate of Insurance. monetary terms. 6.2.2 Other personal insurance at any time with one month’s notice. If the need for the insurance no longer exists or if other 11. Profit exclusion special circumstances arise, the insurance may be cancelled imme- The insurance must not lead to profit, but compensate only for loss diately; see FAL Section 12-3, paragraph 3. This point may not incurred within the limits of the insurance agreement. The insured apply to agreements on collective insurance, and in such cases this sum is not evidence of an item’s or an interest’s value. will be stated in the Certificate of Insurance. 6.2.3 Non-life insurance, if the need for the insurance no longer 12. Choice of law exists or other special circumstances arise; see FAL Section 3-2, Norwegian law will apply to the insurance agreement to the extent paragraph 2. The insured may also cancel the insurance to change that it does not conflict with the Act no. 111 of 27 November 1992 to another insurance company with one month’s notification. Such on applicable insurance law, or unless another agreement has been notification must provide information regarding the date of the reached. change and the name of the other insurance company; see FAL Section 3-6, paragraph 2, point 2. In order for the cancellation to 13. Legal venue fall under the regulations regarding change of insurance compa- Legal disputes regarding the insurance agreement will be resolved nies, the new insurance must have the same or almost the same in the Norwegian courts, unless it conflicts with the unalterable extent of coverage. The right to change insurance companies may rules of current legislation, or unless another agreement has been not apply to collective insurance agreements and insurance agree- reached. ments for organizations falling under FAL Section 1-3, points a–e. In such cases, this will be stated in the Certificate of Insurance. 14. Currency Premiums, insured sums, compensation amounts, etc. which arise 7. Duration of the insurance policy and calculation of premium from the insurance agreement will be calculated in Norwegian kro- 7.1 The insurance is valid from the moment the agreement is ner (NOK), unless otherwise stated in the Terms and Conditions or accepted by both parties, or from a later date as agreed, at 00.00 the Certificate of Insurance. hours. The insurance policy is valid until 24.00 hours on the last day of the period of coverage. The same applies to subsequent 15 Personal data – consent for storage and use renewals. The premium must be paid within the time specified by Upon payment of the insurance premium, the policyholder acknowl- the payment agreement. If the premium must be paid before the edges and accepts that the personal data collected by the Company Company’s liability comes into force, this will be stated on the is necessary for administering the insurance, and for fulfilling the Certificate of Insurance for the relevant policy. Company’s contractual obligations and the wishes of the policy- 7.2 For instalment payments or partial payments, the Company will holder as a customer. The personal data will be used only for eval- be liable only for loss/damage which occurs during the period for uating and making decisions about the contents of the insurance which the premium has been paid. and the terms and conditions, as well as for market analysis and 7.3 If the premium for altering or extending the insurance policy marketing strategy. Personal data may also be shared with compa- is not paid by the due date, the alteration/extension will be can- nies/organizations with which the Company collaborates, both celled. inside and outside the areas covered by the European Economic 7.4 If a current insurance policy is cancelled during the term of Area Agreement and the European Union. If the Company has a insurance, the Company is entitled to the premium pro rata to the duty of disclosure toward public authorities, such information will time the insurance policy has been in force, unless otherwise stat- be submitted according to the authorities’ requirements. The data ed in the relevant terms and conditions of insurance. may also be used to give the policyholder information about other 7.5 If the second notification of the payment due date is not services provided by the Company and its cooperating organiza- observed, the insurance agreement will cease to be in force, either tions. According to the law on personal data, the policyholder has wholly or in part, due to outstanding payment. In this case, the the right to examine the personal data kept by the Company on the Company is entitled to the premium for up to 60 days beyond the policyholder, and the right to demand that the Company correct period of the Company’s contractual liability. The agreement, or erroneous or incomplete information. Questions regarding the

16 Company’s use of personal data should be directed to the person responsible within the Company for oversight of personal data.

16. Legal expenses Travel insurance covers the legal expenses described in chapter 10 of the Terms and Conditions.

17. Non-life insurance guarantee scheme The company is a member of the Norwegian non-life insurance guarantee scheme; see the Guarantee Schemes Act of 12 June 1996 no. 75 chap. 2a and the regulation on the non-life insurance guar- antee scheme of 22 December 2006 no. 1617. The scheme provides security for the insured in the event of the company not being able to pay what it is liable for according to signed insurance contracts. The guarantee scheme covers up to 90 per cent of each individual claim. Claims pursuant to insurance policies on home and manda- tory liability insurance are covered 100 per cent. The guarantee scheme does not apply to insurance claims of more than NOK 20 million per claim per insured per insured event.

The guarantee scheme does not cover credit insurance, life insur- ance, energy insurance and aviation insurance. Similarly, the scheme does not cover marine insurance, with the exception of insurance for ships that do not have to be registered in the Register of Ships pursuant to the Norwegian Maritime Code of 24. June 1994 no. 39 Section 11, second paragraph, or fishing vessels up to 50 gross tonnes that are registered in the Register of Ships; see Norwegian Maritime Code, Section 11-1. The guarantee scheme does not cover business insurance for enter- prises that on taking out the insurance or in subsequent renewals fulfil at least two of the following conditions: - employ more than 250 people - had a turnover of at least NOK 100 million according to the most recent annual accounts - have assets worth at least NOK 50 million according to the most recent balance sheet

See the statutes and regulations mentioned above for more details.

17 31208d EXP 1-3 31208d EXP 1-3

FOTO: Studio Isidor FOTO:

- a part of If

For more information, contact Europeiske Reiseforsikring or If Skadeforsikring.

Complete Terms and Conditions may be obtained from: Europeiske Reiseforsikring P.O.Box 234, NO-1326 Lysaker, Norway Tel: +47 214 95 000

www.europeiske.no

008590 Insurance for expatriates.indd 1 04.05.12 07.25