Your Policy Document

Advice to Travellers

Important Phone Numbers Immunisations

Please make a note of the following phone You may need extra immunisations when numbers or add them to Your mobile; You travelling Abroad. Check whether You do may need them in an emergency or if You before travelling online at: need to make a Claim. https://health.gov.mt/en/phc/pchyhi/Page Chubb Assistance s/Travel-Vaccination.aspx For overseas medical emergencies please contact Chubb Assistance on: EHIC Telephone: +356 27 761 374 If You are travelling to Europe (all EU (24 hours a day, 365 days a year) countries plus Iceland, Liechtenstein, Norway & Switzerland) You should obtain a Chubb Claims European Health Insurance Card (EHIC) and take it with You when You travel. This Telephone: +356 27 761 373 will allow You to benefit from the reciprocal (Monday - Friday, from 9.00 to 16.30) health arrangements, which exist with these Email: [email protected] countries and, if You have a valid Claim for Medical Expenses under this Policy, We will Chubb Customer Service not deduct the Excess where the cost of Telephone: +356 27 761 373 Your Claim has been reduced by You using Your EHIC. (Monday - Friday, from 9.00 to 16.30) Email: [email protected] You can get more information about the EHIC, apply or renew Your EHIC: Online at: http://www.ehic.gov.mt Helpful hints for your insurance By phone: +356 25952400 By post: Forms available online.  Take copies of Your policy documents on YourTrip with You; Waiver  Report any Loss of theft to the hotel If You have a valid Claim for medical or local police within 24 hours and get expenses under this Policy, which is reduced a report from them; by You  Keep Valuables safe (for example in a  using an EHIC; or safety deposit box);  taking advantage of a reciprocal health  Don’t leave Valuables lying around or agreement with Malta; or in view of other people;  using Your private medical insurance  Leave yourself enough time to get to at the point of treatment, the airport, park, and get through We will not deduct the excess. security. Remember to allow time for

delays in traffic or travel  Contact Us if You have a change in health that may lead to You having to cancel or alter Your Trip  Contact Us for advice before incurring costs that You would seek to subsequently Claim for under this Policy +356 27 761 373.

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Know Before You Go

We refer to The Ministry for Foreign Affairs of Malta 'Travel Advice' information campaign, to help travellers prepare for their Trip and stay safe overseas. Visit https://foreignaffairs.gov.mt/en/Pages/Tra vel-Advice.aspx for important information before travelling abroad.

This Policy does not cover any Trip involving travel to areas where The Ministry for Foreign Affairs of Malta has advised to 'avoid all travel'. If You are not sure whether there is a travel warning for Your destination, please check their website.

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Contents Advice to Travellers 2 Important Phone Numbers 2 Helpful hints for your insurance 2 Immunisations 2 EHIC 2 Waiver 2 Know Before You Go 3 Welcome 6 Table of Benefits 7 Important Information 8 How to Claim 8 How to Cancel 8 General Conditions and General Exclusions 8 Persons Covered 8 Policy Definitions 8 Children 8 Trips Covered 8 Trips Not Covered 8 The Cover We Provide 8 When You Are Covered 8 When Cover Will End Automatically 9 Automatic Extension of the Period of Insurance 9 Leisure Activities and Sports 9 Chubb Assistance 11 Medical Emergency and Referral Services 11 Personal Assistance Services 11 Section 1 - Cancellation 13 Section 2 – Medical Expenses & Repatriation 15 Section 3 – Hospital Benefit 16 Section 4 – Travel Delay / Abandonment 17 Section 5 – Missed Departure 18 Section 6 –Curtailment 19 Section 7 – Personal Effects & Baggage 20 Section 8 – Business Equipment 22 Section 9 – Loss of Passport / Driving Licence 22 Section 10 – Personal Money 23 Section 11 – Personal Accident 23 Section 12 – Personal Liability 24 Section 13 – Overseas Legal Expenses 26 General Exclusions 28 Making a Claim 30 Reporting Lost, Stolen or Damaged Property 30

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Claim Conditions 31 Other Insurance 31 Recovering Our Claims Payments from Others 31 Complying with Special Conditions 31 Supplying Details & Documents 31 Your Duty to Avoid or Minimise a Claim 31 Protecting Property 31 Sending Us Legal Documents 31 Subrogation 31 Things You Must Not Do 31 Recognising Our Rights 31 Fraudulent Claims 32 Paying Claims 32 General Conditions 33 Contract 33 Choice of Law 33 Compliance with Policy Requirements 33 Changing Your Policy 33 Cancelling Your Policy 33 Other taxes or costs 33 Misrepresentation and Non-Disclosure 33 Interest 34 Bank Charges 34 Complaints procedures 34 European Online Dispute Resolution Platform 34 Prudential Regulation Authority and Financial Conduct Authority 34 Financial Services Compensation Scheme 35 General Definitions 36 Data Protection 39 Contact Us 40 About Chubb 40

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Welcome Thank you for choosing Chubb Travel Insurance.

This is Your Policy Wording which, together with Your Certificate of Insurance and the information supplied when applying for this insurance, is a contract between You and Us. Cover provided under this Policy is underwritten by Chubb European Group SE (We/Us).

This Policy pays benefits, in accordance with this Policy Wording, in the event that You need to cancel Your Trip before it begins, or You:  suffer illness or injury; or  are delayed en route; or  suffer Loss or damage to Your Personal Property or Money whilst on a Trip.

This Policy does not cover:  any pre-existing medical conditions; or  manual work of any description; or  any Trip where Winter Sports is the main reason for Your trip.

You (as specified in the Certificate of Insurance) and Chubb agree that You shall pay the premium as agreed. The Certificate of Insurance and this Policy Wording provides the full terms and conditions of the insurance with Us. You acknowledge that We have offered this Policy and set the premium using the information which We have asked for and You have provided, and that any change to the responses provided by You may result in a change in the terms and conditions of the Policy and/or a change in the premium.

You should check over the Policy Wording and Certificate of Insurance carefully to ensure they are correct and meet Your requirements, and notify Us immediately, if anything is incorrect, as this could affect Policy cover in the event of a Claim. You should keep these documents in a safe place. You must tell Us if either Your insurance needs or any of the information You have given Us changes. A change in circumstances may affect Policy cover, even if You do not think a change is significant, and We may need to change this Policy. We will update the Policy and issue a new Certificate of Insurance each time a change is agreed.

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Table of Benefits

Benefit Amounts / Section Excess1 Limit of Liability 2 1. Cancellation Flight Cost plus up to €500 ✗ for unused travel costs 2. Medical Expenses & Repatriation A. i. and ii. Medical Expenses & up to €250,000 ✓ Emergency Repatriation Expenses

iii. Travel Expenses €60 per day up to a Max of €600 B. Accompanying Traveller Expenses €60 per day up to a Max of €600 ✓ C. Cremation Burial or Transportation up to €5,000 ✓ Charges ✓ D. Emergency Dental Treatment up to €250

€15 for each full 24 hours up to a 3. Hospital Benefit ✗ Max of €750 4. Travel Delay/Abandonment

A. Each complete 12 hour period €75 up to a Max of €300 ✗

B. Abandonment up to €500 ✓

5. Missed Departure up to €200 ✓

6. Curtailment up to €500 ✓

7. Personal Effects and Baggage

A. Loss, damage or theft up to €1,500 ✓ Single item limit €250 Valuables in total up to €250

Sports equipment in total up to €250 ✗ B. Delayed Baggage up to €200 after 12 hours delay

8. Business Equipment

up to €1,500 A. Loss, damage or theft ✓

Single item limit €250 Valuables limit up to €250

€50 for each full 24 hours up to a B. Business equipment hire ✗ Max of € 250 9. Loss of Passport / Driving Licence temporary up to ✗ replacement costs €250

10. Personal Money up to €300 ✓

11. Personal Accident up to €10,000 ✗

12. Personal Liability up to €1,000,000 ✓

13. Overseas Legal Expenses up to €10,000 ✗

1 A €50 excess applies to each benefit section per person as highlighted in the table above 2 Flight Cost means the total cost of Your flight as shown on Your flight booking confirmation. The table above shows the maximum amounts that are covered under the Policy per Person Insured.

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Important Information

How to Claim Trips Not Covered

Guidance on how to make a Claim under We will not cover any Trip this Policy is detailed on page 30 in this  which involves manual work of any Policy Wording. description;  where Winter Sports is the main How to Cancel reason for Your trip; Guidance on how to cancel this Policy is  which involves You travelling on detailed on page 33 in this Policy Wording. a Cruise;  which involves You travelling General Conditions and specifically to obtain medical, dental or General Exclusions cosmetic treatment;  when You have been advised not to There are certain Conditions and Exclusions travel by Your Doctor or You have which apply to all sections of this Policy, and received a terminal prognosis; these are detailed on pages 28 to 29 and 33 to 34 in this Policy Wording.  where, on the date it is booked (or commencement of the Period of Persons Covered Insurance if later), You or Your Travelling Companion are aware of All Persons Insured on this Policy any reason why it might be cancelled must be: or Curtailed, or any other circumstance that could reasonably be 1. permanently resident in Malta and be expected to result in a Claim under in Malta at the time of purchasing this this policy; Policy; and  involving travel to areas where the 2. 64 years of age or under at the time of Ministry for Foreign Affairs has purchasing this Policy. advised to avoid travel. If You are not sure whether there is a travel warning Policy Definitions for Your destination, please check their website Certain words in this Policy have a specific http://foreignaffairs.gov.mt/en/Pages meaning. They have this specific meaning /Travel-Advice.aspx wherever they appear in this Policy and are shown by using bold text and capital letters. The Cover We Provide All Policy definitions are applicable to this The maximum amount We will pay under Policy as a whole, and are detailed on pages 35 to 37 in this Policy Wording. each Section that applies is detailed in the Table of Benefits on page 7 in this Policy Children Wording.

Children will only be covered when they When You Are Covered are travelling with an adult named under Person(s) Insured on the Certificate of 1. Cancellation cover under Section 1 Insurance. begins when a Trip is booked, or from the commencement date and time Trips Covered stated in the Certificate of Insurance, whichever is later. It ends when You start Trip. A Trip Abroad during the Period of Insurance that takes place entirely within 2. Insurance cover under all other the Area of Travel stated in the Certificate of Sections operates for a Trip that takes Insurance, as long as You have booked a place during the Period of return flight to Your country of origin Insurance. before you depart for Your Trip.

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When Cover Will End Automatically Leisure Activities and Sports

All cover will end when the Period of You are automatically covered when Insurance ends. participating in any of the leisure activities or sports listed in this section, on a Automatic Extension of the recreational basis during Your Trip, Period of Insurance subject to any provisions, limitations or exclusions noted by the relevant sport or If You cannot return home from a Trip activity and provided that: before Your cover ends, Your policy will automatically be extended at no extra 1. You have not been advised by a charge for: Doctor against participating in such  up to 14 days if any Public sport or activity; Transport in which You are booked to travel as a ticket-holding passenger 2. You wear the recommended/ is unexpectedly delayed, cancelled or recognised safety equipment; Curtailed because of Adverse 3. You follow safety procedures, rules Weather, industrial action, or and regulations as specified by the mechanical breakdown; or activity organisers/providers;  up to 30 days (or any longer period agreed by Us in writing before this 4. You are not racing or competing in or automatic extension expires) if You practising for speed or time trials of cannot return home Due To: any kind; and • You being injured or becoming ill or being quarantined during 5. It is not the main reason for a Trip Your Trip. • You being required to stay on Important Note medical advice with another Person Insured named on If a leisure activity or sport is not listed then Your Certificate of Insurance We will not provide cover under the Policy. who is injured or becomes ill or is  Archery (provided supervised by a quarantined during a Trip. qualified person)  Arm wrestling  Badminton  Basketball  Beach basketball  Beach cricket  Beach football  Beach volleyball  Bocce  Body boarding  Bowls  Bowling  Canoeing, kayaking and rafting on inland waters only (excluding white water)  Carriage or hay or sleigh rides  Clay-pigeon shooting (provided supervised by a qualified person)  Cricket  Croquet  Curling  Cycling (except BMX and/or mountain biking)  Deep sea fishing (excluding competitions)

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 Dry skiing  Running (recreational)  Elephant riding (less than 2 days)  Safari (camera only and  Fell walking professionally organised)  Fencing (provided supervised by a  Sail boarding qualified person)  Sailing or yachting (inland and coastal  Fishing, or angling (on inland waters only) waters only)  Scuba diving (to a depth not exceeding  Footbag (hacky sack) 18m and provided that You are either accompanied by a qualified  Football (Association) instruction, or You are qualified and  Go karting (provided You wear a not diving alone) crash helmet)  Snorkelling  Golf  Soccer  Handball  Squash  Hiking or hill walking (up to 1,000m  Softball above sea level, only covered if no guides or ropes are required)  Streetball  Horse riding (provided no hunting,  Surfing jumping or polo)  Swimming  Hot air ballooning (provided it is  Table tennis professionally organised, and You  Tennis travel as a passenger only)  Trampolining  Ice skating (excluding ice hockey and  Trekking (up to 1,000m above sea speed skating) level, only covered if no guides or  In line skating ropes are required)  Javelin  Triple jump  Jet skiing  Tug of war  Korfball  Twirling  Lacrosse  Volleyball  Land sailing  Water polo  Laser games  Water skiing  Long jump  Wind surfing  Maxi-basketball Please refer to the relevant exclusions under  Mini-basketball each Section of Your Policy and to the  Motorcycling up to 125cc provided General Exclusions, which continue to You wear a crash helmet, and hold a apply. Please specifically note the exclusion full (and not provisional) Maltese under Section 12 - Personal Liability relating motorcycle licence if You are in to the ownership, possession or use of control of the motorcycle vehicles, aircraft, hovercraft, watercraft,  Netball firearms or buildings.  Paddleball

 Parascending (provided over water)  Pony trekking  Racquetball  Rambling (up to 1,000m above sea level, only covered if no guides or ropes are required)

 Roller skating  Roller blading  Rounders

 Rowing (on inland waters only)

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Chubb Assistance

Chubb Assistance can provide a range of addresses of local Doctors, assistance and medical related services hospitals, clinics and dentists, during Your Trip Abroad. Please make and its panel of Doctors will sure You have details of this Policy, provide telephone medical including the Policy Number and Period of advice. Insurance when You call. ii) if necessary Chubb Assistance To contact Chubb Assistance please call: will make arrangements for a +356 27 761 374. Doctor to call, or for You to be admitted to hospital.

Medical Emergency and D. Unsupervised Children - if a Child is Referral Services left unsupervised on a Trip Abroad because You are hospitalised or If You are injured or become ill Abroad incapacitated, Chubb Assistance You must contact Chubb Assistance may organise their return home, immediately if You need hospital in-patient including a suitable escort when treatment, specialist treatment, medical necessary. tests, scans or to be brought back to Malta. Please note that whilst You will not be If You cannot do this yourself, You must charged for advice or assistance, You will be arrange for a personal representative (for responsible for paying fees and charges for example, a spouse or parent) to do this for services provided to You if they are not You. If this is not possible because Your covered as part of a valid Claim under this condition is serious, You or Your personal Policy. representative must contact Chubb Assistance as soon as possible. Personal Assistance Services If Chubb Assistance is not contacted, We may reject Your Claim or reduce its  The services under this Section are payment. provided by Chubb Assistance and are only available during a Trip In all other circumstances You are entitled Abroad. to use the services of Chubb Assistance detailed in this section, as appropriate.  These are non-insured facilitation services making use of Chubb

Assistance’s wide experience and Chubb Assistance - Medical Emergency contacts. Any costs incurred, for and Referral Services can help with: example for message relay, must be reimbursed to Chubb Assistance A. Payment of bills - if You are admitted unless they form part of a successful to hospital Abroad, the hospital or Claim under an appropriate Section of attending Doctor(s) will be contacted this Policy. and payment of their fees up to the Policy limits may be guaranteed so that Chubb Assistance – Personal Assistance You do not have to make the payment Services can help with: from Your own funds. A. Transfer of emergency funds B. Being brought back to Malta - if the Transfer of emergency funds up to Doctor appointed by Chubb €250 per Trip if access to normal Assistance believes treatment in financial/ banking arrangements are Malta is preferable, transfer may be not available locally. In order to arranged by regular scheduled reimburse Chubb Assistance You transport services, or by air or road must authorise Chubb Assistance to ambulance services if more urgent debit Your credit or charge card with treatment and/or specialist care is the amount of the transfer, or make required during the Trip. alternative arrangements to deposit C. Provision of medical advice – the funds in Chubb Assistance’s i) if You require emergency account. If the emergency transfer is consultation or treatment needed Due To theft or Loss of Abroad, Chubb Assistance personal money, a Claim may be will provide the names and made under the Policy.

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B. Message relay Transmission of urgent messages to relatives or business associates if medical or travel problems disrupt a

Trip travel schedule.

C. Replacement travel documents Assistance with the replacement of Lost or stolen tickets and travel documents, and referral to suitable travel offices. Chubb Assistance will not pay for any item.

D. Emergency translation facility A translation service if the local provider of an assistance service does not speak English.

E. Legal help

Referral to a local English speaking Lawyer, Embassy or Consulate if legal advice is needed, and arrangement of payment of reasonable emergency legal expenses or bail, against a guarantee of repayment.

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Section 1 - Cancellation

burglary at Your or Your Travelling What is covered Companion’s home. We will refund Your unused travel and/or 4. serious fire storm or flood damage to accommodation costs up to the amount Your or Your Travelling stated in the Table of Benefits (including Companion’s home, provided that excursions pre-booked and paid for before such damage occurs within the 7 days starting Your Trip), which You have paid immediately prior to commencement or are contracted to pay and which cannot of Your Trip. be recovered from any other source if it becomes necessary to cancel a Trip Due 5. the compulsory jury service or To: subpoena of You or Your Travelling Companion 1. You or Your Travelling Companion(s) 6. You or Your Travelling A. dying; or Companion being made redundant B. suffering serious injury; or and having registered as unemployed. C. suffering sudden or serious illness; or What is not covered D. suffering from complications in 1. Any Claim Due To pregnancy if incurred in an A. any pre-existing medical emergency as a result of condition affecting any person complications (where such upon whom Your Trip depends complications are diagnosed by a that was diagnosed, treated or Doctor who specialises in required hospital inpatient or obstetrics); or outpatient treatment at any time E. being compulsorily quarantined before Your Trip was booked on the orders of a (or commencement of the treating Doctor; Period of Insurance if later), provided that such cancellation is and which could result in You confirmed as medically necessary by having to cancel Your Trip; the treating Doctor. B. jury service or subpoena if You 2. Your Immediate Family Member or Your Travelling or Close Business Colleague or Companion are called as an Your Travelling Companion’s expert witness or where Your or Immediate Family Member or their occupation would normally Close Business Colleague or require a Court attendance; someone You have arranged to stay C. redundancy where You or Your with on Your Trip: Travelling Companion: A. dying; or i) were unemployed or knew B. suffering serious injury; or that You or they may become unemployed, at the C. suffering sudden or serious time the Trip illness; or was booked; D. suffering from complications in ii) are voluntarily made pregnancy if incurred in an redundant or made emergency as a result of redundant as a result of complications (where such misconduct or complications are diagnosed by a following resignation; Doctor who specialises in obstetrics); iii) are self-employed or a provided that such reasons for contract worker; cancellation are confirmed D. any adverse financial situation by a Doctor. causing You to cancel Your Trip, other than reasons stated 3. the police requiring You or Your within the section Travelling Companion’s presence 'What is covered’. following a burglary or attempted

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E. You or Your Travelling Companion(s) deciding that You do not want to travel, unless that reason for not traveling is

stated within the section 'What is covered'. F. The failure to obtain the necessary passport, visa or permit for Your Trip.

2. Any loss, charge or expense Due To:

A. a delay in notifying the tour operator, travel agent, or transport or accommodation provider that it is necessary to cancel a booking;

B. prohibitive regulations by the government of any country.

3. Any charge or expense paid for with, or settled using, any kind of promotional voucher or points, timeshare, holiday property bond or holiday points scheme, or any Claim for management fees, maintenance costs or exchange fees associated in relation to timeshares or similar arrangements.

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Section 2 – Medical Expenses & Repatriation

What is covered C. Cremation Burial or Transportation If during a Trip Abroad You: Charges if You die Abroad 1. are injured; or i) cremation or burial charges in the country in which You die; or 2. become ill (including complications in ii) transportation charges for pregnancy as diagnosed by a Doctor returning Your body or ashes or specialist in obstetrics, provided that if You are travelling between 28 back to Malta. and 35weeks pregnant You obtained D. Emergency Dental Treatment written confirmation from a Doctor of All medically necessary and reasonable Your fitness to travel no earlier than 5 cost to provide emergency dental days prior to the commencement of Your Trip Abroad); treatment for the relief of pain only, outside of Malta. We will pay up to the amount stated in the Table of Benefits for: Special Conditions

A. i) Medical Expenses 1. If You are injured or become ill All reasonable costs that it is Abroad You must follow the medically necessary to incur procedure detailed under ‘Making a outside of Malta for hospital, Claim’ on page 30 of this Policy. If ambulance surgical or other You do not, We may reject Your diagnostic or remedial treatment, Claim or reduce the amount that We given or prescribed by a Doctor, pay You. and including charges for staying in a hospital; 2. Chubb Assistance may: ii) Emergency Repatriation A. move You from one hospital to Expenses another; and/or All reasonable costs that it is B. return You to Your home in medically necessary for Chubb Malta; or move You to the most Assistance to incur to return suitable hospital in Malta; You to Your home in the at any time, if Chubb Assistance United Kingdom; or to move believes that it is necessary and safe to You to the most suitable hospital do so. in Malta; if it is medically necessary to do so. 3. Additional travel and hotel expenses iii) Travel Expenses must be authorised in advance by All necessary and reasonable Chubb Assistance. accommodation (room only) and 4. All original receipts must be kept and travel expenses incurred with the provided to support a Claim. consent of Chubb Assistance, if it is medically necessary for You to stay Abroad after Your What is not covered scheduled date of return to 1. Any Claim Due To any pre-existing Malta, including travel costs medical condition that was diagnosed, back to Malta if You cannot use treated or required hospital inpatient Your original return ticket. or outpatient treatment at any time B. Accompanying Traveller Expenses before Your Trip was booked (or All necessary and reasonable commencement of the Period of accommodation (room only) and travel Insurance if later); expenses incurred with the consent of Chubb Assistance, by any one other 2. Any treatment or surgery or person if required on medical advice to exploratory tests: accompany You or to escort a Child home to Malta. A. not confirmed as medically necessary; or

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B. not directly related to the injury 14. The cost of medical or surgical or illness that You were admitted treatment of any kind received by a to hospital for. Person Insured later than 52 weeks from the date of the accident or 3. Surgery, medical or preventative commencement of the illness. treatment which can be delayed in the opinion of the Doctor treating You 15. The Excess, except where You have until You return to Malta. obtained a reduction in the cost of medical expenses by using a European 4. Any costs incurred following Your Health Insurance Card (EHIC) in the decision not to move hospital or return European Union, (including Iceland, to Malta after the date when, in the Liechtenstein, Norway & Switzerland) opinion of Chubb Assistance, You if You require medical treatment should do so. whilst in the country.

5. Cosmetic Surgery. 16. Any Claim when You have travelled against the advice of Your Doctor. 6. Treatment or services provided by any convalescent or nursing home, 17. Any complication in pregnancy that rehabilitation centre or health spa. was known by You at the time of travel. 7. Any medical treatment that You travelled Abroad to obtain.

8. Medication You are taking before, and Section 3 – which You will have to continue Hospital Benefit taking during, a Trip.

9. Any expenses incurred in Malta. What is covered If You are admitted to a hospital as an in- 10. Any additional travel and patient during a Trip Due To injury or accommodation expenses incurred illness for which You have a valid Claim which have not been authorised in under Section 2 – Medical Expenses & advance by Chubb Assistance. Repatriation, We will pay the benefit 11. Accommodation and travel expenses amount stated in the Table of Benefits for where the transport and/or each complete 24 hours that You remain a accommodation used is of a standard hospital in-patient, up to the maximum superior to that of the Trip. amount stated in the Table of Benefits.

12. Any additional costs for single or What is not covered private room accommodation. We will not pay for time You spend in an 13. Cremation or burial costs in Malta. institution not recognised as a hospital in the country of treatment.

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Section 4 – Travel Delay / Abandonment

What is covered What is not covered

If You are delayed for at least 12 hours on 1. Any Claim Due To: Your outbound international Trip or the A. Public Transport being taken final part of Your international return Trip out of service on the instructions because the scheduled departure of Public of a Civil Aviation Authority, Port Transport is affected by a strike; industrial Authority or similar authority; action; Adverse Weather; mechanical breakdown or grounding of an aircraft Due B. a strike if it had started or been To mechanical or structural defect, We announced before You arranged will either: this insurance; C. any journey by Public A. pay the Travel Delay benefit stated in Transport commencing and the Table of Benefits; or ending in the country of departure . B. if You abandon Your Trip after a delay of at least 24 hours of the 2. Any charge or expense paid for with, or scheduled outbound international settled using, any kind of promotional departure, We will refund Your voucher or points, timeshare, holiday unused travel and accommodation property bond or holiday points costs up to the amount stated in the scheme, or any Claim for Table of Benefits that You have paid or management fees, maintenance costs are contracted to pay and which cannot or exchange fees in relation to be recovered from any other source. timeshares or similar arrangements.

Special Conditions 3. Accommodation and travel expenses where the additional transport and/or 1. You can only Claim under item A or accommodation used is of a standard item B above, not both. superior to that of the original Trip.

2. You must: 4. Any Claim Due To Your not A. check-in before the scheduled allowing sufficient time for the departure time shown on Your journey. travel itinerary; and 5. Any Claim Due To: B. comply with the travel agent, tour A. You travelling against the advice operator and transport providers of the appropriate national or contract terms; and local authority; C. provide Us with written details B. prohibitive regulations by the from the Public Transport government of any country. operator describing the length of, and reason for, the delay; and 6. Any expenses that: D. allow reasonable time to arrive at A. You can recover from any tour Your departure point on time. operator, airline, hotel or other service provider; B. You would normally have to pay during Your Trip.

7. Any Claim for Travel Abandonment caused by volcanic ash.

8. The Excess, if a Trip is abandoned.

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Section 5 – Missed Departure

What is covered What is not covered We will pay up to the amount stated in the 1. Any Claim Due To: Table of Benefits for necessary and reasonable additional accommodation A. Public Transport being taken (room only) and travel expenses to enable out of service on the instructions You to reach: of a Civil Aviation Authority, Port Authority or similar authority; 1. Your scheduled destination Abroad B. a strike if it had started or been if, on Your outbound journey, You announced before You arranged arrive too late at Your final point of this insurance or booked Your international departure to board the Trip, whichever is the later. Public Transport on which You are booked to travel; or 2. Any charge or expense paid for with, or settled using, any kind of promotional 2. On Your return journey, You arrive voucher or points, timeshare, holiday too late at Your final point of property bond or holiday points international departure to board the scheme, or any Claim for Public Transport on which You are management fees, maintenance costs booked to; or exchange fees in relation to timeshares or similar arrangements. Due To: 3. Accommodation and travel expenses 1. the car/taxi You are travelling in where the additional transport and/or breaking down or being involved in an accommodation used is of a standard accident; or superior to that of the original Trip. 2. the Public Transport You are 4. Any Claim Due To You not allowing travelling in failing to arrive on sufficient time for the journey. schedule. 5. Any Claim Due To: Special Conditions A. You travelling against the advice of the appropriate national or 1. You must: local authority; A. provide evidence of all the extra B. prohibitive regulations by the costs You incurred government of any country. B. allow reasonable time to arrive at Your departure point on time 6. Any expenses that: C. for car breakdown/accident A. You can recover from any tour provide Us with: operator, airline, hotel or other i) a written report from the service provider; vehicle breakdown service B. You would normally have to pay or garage that assisted You during Your Trip. during the incident; or 7. The Excess ii) reasonable evidence that the vehicle used for travel was roadworthy, properly maintained and broke down at the time of the incident D. for late arrival of Public

Transport provide Us with: i) reasonable evidence of the published time of arrival

and the actual time of arrival.

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Section 6 –Curtailment

complications are diagnosed by a What is covered Doctor who specialises in We will pay: obstetrics); provided that such Curtailment is A. unused accommodation costs confirmed as medically necessary by (including excursions pre-booked and the treating Doctor. paid for before starting Your Trip, which You have paid or are contracted 3. The police requiring You or Your to pay and which cannot be recovered Travelling Companion’s presence from any other source; and following a burglary or attempted burglary at Your or Your Travelling B. reasonable additional travel and Companion’s home. accommodation (room only) costs necessarily incurred in Your returning 4. Serious fire storm or flood damage to to Your home in Malta. Your or Your Travelling Companion’s home; provided that up to the amount shown in the Table of such damage occurs after Your Trip Benefits, if it becomes necessary to, Curtail commences. a Trip Due To: What is not covered 1. You, Your Travelling Companion(s) 1. Any Claim Due To A. dying; or A. any pre-existing medical B. suffering serious injury; or condition affecting any person C. suffering sudden or serious upon whom Your Trip depends illness; or that was diagnosed, treated or required hospital inpatient or D. suffering from complications in outpatient treatment at any time pregnancy if incurred in an before Your Trip was booked emergency as a result of (or commencement of the complications (where such Period of Insurance if later), complications are diagnosed by a and which could result in You Doctor who specialises in having to Curtail Your Trip; obstetrics); or B. any adverse financial situation E. being compulsorily quarantined causing You to Curtail on the orders of a treating Your Trip; Doctor; provided that such Curtailment is C. You or Your Travelling confirmed as medically necessary by Companion(s) deciding that the treating Doctor. You do not want to remain on Your Trip. 2. Your Immediate Family Member or Close Business Colleague or 2. Any loss, charge or expense Due To: Your Travelling Companion's A. a delay in notifying the tour Immediate Family Member or operator, travel agent, or Close Business Colleague or transport or accommodation someone You have arranged to stay provider that it is necessary to with on Your Trip: Curtail a booking; A. dying; or B. prohibitive regulations by the B. suffering serious injury; or government of any country. C. suffering sudden or serious 3. Any charge or expense paid for with, or illness; or settled using any kind of promotional D. suffering from complications in voucher or points, timeshare, holiday pregnancy if incurred in an property bond or holiday point’s emergency as a result of scheme, or any Claim for complications (where such management fees, maintenance costs

MT-CM0004 19

or exchange fees in relation to original written airline or carrier’s timeshares or similar arrangements. Property Irregularity report;

4. Accommodation and travel expenses 5. Where Personal Property is where the transport and/or temporarily Lost or misplaced by an accommodation used is of a standard airline or other carrier We must be superior to that of the Trip. The provided with original written Excess confirmation from such airline or other carrier or the tour representative 5. The Excess that the delay lasted for at least 12 hours after You arrived at Your Section 7 – Personal destination. 6. If You have been paid for emergency Effects & Baggage purchases of essential items and You then also Claim for Loss, damage or What is covered theft of Personal Property resulting from the same item, cause or event, the A. Loss, damage or theft amount paid to You for emergency If Personal Property is Lost, purchases will be deducted from the damaged or stolen during Your Trip, final settlement payment. However, We will pay Repair and any deduction will not be any more Replacement Costs up to the than the amount paid for emergency amount stated in the Table of Benefits. purchases.

B. Delayed Baggage What is not covered If Personal Property is Lost or misplaced for at least 12 hours on 1. More than the amount stated in the Your outbound journey by the airline Table of Benefits for: or other carrier, We will pay up to the A. a single item, pair or set, or part amount stated in the Table of Benefits of a pair or set; to reimburse You for the cost of B. Valuables in total; essential items of clothing, medication, toiletries and Mobility Aids that You C. sports equipment in total have to purchase. 2. Loss or theft of Valuables left Unattended unless contained in a Special Conditions locked safe or safety deposit box.

1. You must take reasonable care to keep 3. Loss or theft of any Personal Your Personal Property safe. If Property (other than Valuables) left Your Personal Property is Lost or Unattended unless: stolen You must take all reasonable A. contained in steps to get it back. i) a locked room; or 2. Valuables must be attended by You ii) a locked safe or safety at all times when not contained in a deposit box; or locked safe or safety deposit box. iii) the locked glove box or boot 3. If Your Personal Property is Lost of a vehicle or in the luggage or stolen You must make every space at the rear of a locked reasonable effort to report it to the estate car or hatchback police (and hotel management if the under a top cover and out of Loss or theft occurs in a hotel) within view; 24 hours of discovery and You must and there is evidence of forced provide Us with a copy of the original entry to the room, safe, safety written police report. deposit box or car, or the car has been stolen; 4. Loss, theft or damage to Personal B. in the custody or control of an Property in the custody of an airline airline or other carrier. or other carrier must be reported in writing to the airline or other carrier within 24 hours of discovery and We must be provided with a copy of the

MT-CM0004 20

4. Loss, theft or damage to: A. antiques, musical instruments, pictures, household goods, contact or corneal lenses, dentures, or dental fittings, hearing aids, bonds, securities or documents of any kind; B. sports equipment whilst being used, vehicles or their accessories (other than Mobility Aids), watercraft and ancillary equipment, glass china or similar fragile items and pedal cycles; C. business equipment, business goods, samples, business Money, tools of trade or any other item used in connection with Your business, trade or occupation; 5. Depreciation in value, normal wear and tear, denting or scratching, damage by moth or vermin, electrical, electronic or mechanical breakdown, or damage Due To atmospheric or climatic conditions.

6. Delay, detention, seizure or confiscation by customs or other officials.

7. The Excess (not applicable to delayed baggage Claims).

MT-CM0004 21

Section 8 – Business Section 9 – Equipment Loss of Passport / Driving Licence What is covered

A. Loss, damage or theft What is covered We will pay up the amount stated If Your passport and/or driving licence is in the Table of Benefits for the Repair Lost, destroyed or stolen while You are on and Replacement Costs of Your a Trip Abroad, We will pay up to the business equipment (limited to audio, amount stated in the Table of Benefits to visual, video, photographic, computer equipment and samples) if it is Lost, cover the cost of: stolen or damaged. 1. getting any temporary replacement B. Business equipment hire documents needed to enable You to If business equipment (limited to audio, return to Malta including any visual, video, photographic, computer additional travel and accommodation equipment and samples) held by You (room only) costs incurred by You or for business reasons is Lost, stolen or on Your behalf during Your Trip to damaged, You will be covered for the obtain such documents; and reasonable cost of hiring replacement equipment up to the amount stated in 2. the replacement passport or driving the Table of Benefits. licence fee payable, provided that it remained valid for at least 2 years at Special Conditions the date it was Lost, destroyed 1. For temporary Loss, as well as getting or stolen. an authorised “property irregularity report” from the carrier or handling Special Condition agent, You must also write to them within 21 days of receiving Your 1. You must take reasonable care to keep property back to confirm You had to Your passport and/or driving licence buy replacement items. safe. If Your passport and/or driving 2. If Your business equipment is never licence is Lost or stolen You must found and We agree to pay for take all reasonable steps to get it back. permanent Loss, We will take off any amount We have already paid for 3. Your passport and/or driving licence temporary Loss. must be attended by You at all times when not contained in a locked safe or 3. You must keep any damaged property safety deposit box. so that We can inspect it. When We make a payment for replacement of that 4. If Your passport and/or driving property, it will then belong to Us. licence is Lost or stolen You must make every reasonable effort to report What is not covered it to the police (and hotel management

1. Any exclusion applicable to Section 5. if the Loss or theft occurs in a hotel) 7. Personal Effects & Baggage also within 24 hours of discovery and You apply to this section except must provide Us with a copy of the exclusion 4.C., which is not original written police report. applicable. What is not covered 2. The Excess. 1. Loss or theft of any passport or driving licence left Unattended unless contained in a locked safe or safety deposit box.

2. Delay, detention, seizure or confiscation by customs or other officials.

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. Section 10 – Section 11 – Personal Money Personal Accident What is covered What is covered If You suffer physical injury caused by an We will pay up to the amount stated in the Table of Benefits if Money held by You for Accident during a Trip which, within 12 Your own personal use is Lost or stolen months, directly results in Your: during a Trip whilst: 1. Death; or 1. being carried by You; or 2. Loss of Sight; or 2. left in a locked safe or safety deposit 3. Loss of Limb; or box. 4. Permanent Total Disablement. Special Condition We will pay the appropriate benefit stated 1. You must take reasonable care to keep in the Table of Benefits. Your Money safe. If Your Money is Lost or stolen You must take all Special Conditions reasonable steps to get it back. We will not pay more than one benefit for 2. Your Money must be attended by the same physical injury. You at all times when not contained in a locked safe or safety deposit box. What is not covered

3. If Your Money is Lost or stolen You Death, Loss of Sight, Loss of Limb or must make every reasonable effort to Permanent Total Disablement Due To report it to the police (and hotel disease or any physical defect, injury or management if the Loss or theft illness which existed before the Trip. occurs in a hotel) within 24 hours of discovery and You must provide Us with a copy of the original written police report.

What is not covered

1. More than the amount stated in the Table of Benefits for cash.

2. Loss or theft of Money left Unattended unless contained in a locked safe or safety deposit box.

3. Delay, detention, seizure or confiscation by customs or other officials.

4. Traveller’s cheques: A. unless the Loss or theft is reported immediately to the local branch or agent of the issuing company;

B. if the issuing company provides a replacement service.

5. Depreciation in value or shortage Due To any error or omission.

6. The Excess

MT-CM0004 23

Section 12 – Personal Liability of Costs and Expenses incurred What is covered prior to the date of such payment and We will cover You up to the Limit of for which We may be responsible Liability stated in the Table of Benefits hereunder. against all sums which You are legally liable 2. If at the time of the happening of any to pay as damages in respect of: occurrence covered by this Section 1. accidental bodily injury (including there is any other existing insurance death illness or disease) to any person; whether taken out by You or not covering the same liability We shall 2. accidental loss of or damage to not be liable to indemnify You in material property; respect of such liability except so far as which occurs during the Period of concerns any excess beyond the Insurance arising out of the Trip. amount which would have been payable under such other insurance The maximum that We will pay under this had this Section not been effected. Section for all damages as a result of any one occurrence or series of occurrences What is not covered arising directly or indirectly from one source or original cause shall be the Limit of Cover for any liability: Liability stated in the Table of Benefits. We 1. in respect of bodily injury to any will in addition pay Costs and Expenses. person who is: Costs and Expenses shall mean: A. under a contract of service with You when such injury arises out 1. all costs and expenses recoverable by a of and in the course of their claimant from You; employment by You;

2. all costs and expenses incurred with B. a member of Your family. Our written consent; 2. assumed by You under a contract or 3. solicitors’/lawyers’ fees for agreement unless such liability would representation at any have attached in the absence of such coroner’s/magisterial inquest or fatal contract or agreement; accident inquiry or in any Court of 3. in respect of loss of or damage to Summary Jurisdiction; property: in respect of any occurrence to which this A. belonging to You; Section applies – except that in respect of occurrences happening in or claims or legal B. in Your care custody or control. proceedings brought or originating in the However this Exclusion shall not apply United States of America and Canada or any in respect of loss of or damage to other territory within the jurisdiction of buildings and their contents not either such country, Costs and Expenses belonging to but temporarily occupied described in 1., 2., and 3. above are deemed by You in the course of the Trip. to be included in the Limit of Liability for 4. in respect of bodily injury loss or this Section. damage caused directly or indirectly in connection with: Special Conditions A. the carrying on of any trade, 1. We may at Our sole discretion in business or profession; respect of any occurrence or B. the ownership, possession or use occurrences covered by this Section of: pay to You the Limit of Liability stated i) horse-drawn or in the Table of Benefits applicable to mechanically propelled such occurrence or occurrences (but vehicles; deducting therefrom any sum(s) ii) any aerospatial device or already paid) or any lesser sum for any airborne or waterborne which the Claim(s) arising from such craft or vessel (other than occurrence(s) can be settled and We non-mechanically powered shall thereafter be under no further waterborne craft not liability in respect of such exceeding 10 metres in occurrence(s) except for the payment

MT-CM0004 24

length whilst used on inland waters) or the loading or unloading of such craft or vessel;

iii) firearms (other than sporting guns); iv) arising from the occupation

or ownership of any land or building other than any building temporarily occupied by You in the course of a Trip.

5. in respect of activities or volunteer work organised by or when the individual is assigned overseas by or under the auspices of a charitable voluntary not for profit social or

similar organisation except where no other insurance or cover is available.

6. in respect of punitive or exemplary damages.

7. in respect of the Excess.

MT-CM0004 25

Section 13 – Overseas Legal Expenses

What is covered 4. Our authorisation to incur Legal Expenses will be given if You can If during a Trip You sustain bodily injury satisfy Us that: or illness which is caused by a third party A. there are reasonable grounds for We will pay up to the amount stated in the pursuing or defending the Claim Table of Benefits to cover Legal Expenses or legal proceedings and the arising out of Any One Claim. Legal Expenses will be proportionate to the value of the Special Conditions Claim or legal proceedings; and 1. Legal Representatives must be B. it is reasonable for Legal qualified to practise in the Courts of Expenses to be provided in a the country where the event giving rise particular case. The decision to to the Claim occurred or where the grant authorisation will take into proposed defendant under this Section account the opinion of the Legal is resident. Representatives as well as that of Our own advisers. If there is a 2. We shall at all times have complete dispute, We may request, at control over the legal proceedings. Your expense, an opinion of a Outside the European Union, the barrister as to the merits of the selection, appointment and control of Claim or legal proceedings. If Legal Representatives shall rest the Claim is admitted, Your with Us. Within the European Union, costs in obtaining this opinion You do not have to accept the Legal will be covered by this Policy. Representatives chosen by Us. You have the right to select and appoint 5. If there is any dispute, other than in Legal Representatives after legal respect of the admissibility of a Claim proceedings have commenced subject on which Our decision is final, the to Our agreement to the Legal dispute will be referred to a single Representatives' fee or charging arbitrator who will be either a solicitor rates. If there is a disagreement over or barrister agreed by all parties, or this choice of Legal failing agreement, one who is Representatives You can propose nominated by the current President of Legal Representatives by sending the appropriate Law Society. The party Us the proposed Legal against whom the decision is made Representatives’ name and address. shall meet the costs of the arbitration We may choose not to accept Your in full. If the decision is not clearly proposal but only on reasonable made against either party the grounds. We may ask the ruling body arbitrator shall have the power to for Legal Representatives to apportion costs. If the decision is made nominate alternative Legal in Our favour, Your costs shall not be Representatives. In the meantime, recoverable under the Insurance. We may appoint Legal 6. We may at Our discretion assume Representatives to protect control at any time of any Claim or Your interests. legal proceedings in Your name for 3. You must co-operate fully with the damages and/or compensation from a Legal Representatives and ensure third party. that We are fully informed at all times 7. We may at Our discretion offer to in connection with any Claim or legal settle a counter-claim against You proceedings for damages and or which We consider to be reasonable compensation from a third party. We instead of continuing any Claim or are entitled to obtain from the Legal legal proceedings for damages and/or Representatives any information, compensation by a third party. document or advice relating to a Claim or legal proceedings under this Insurance. On request You will give to the Legal Representatives any instructions necessary to ensure such access.

MT-CM0004 26

8. Where settlement has been made to where the subject matter of the You without legal costs being Claim or legal proceedings is apportioned, We will determine how eligible for consideration under much of that settlement should be an Arbitration Scheme or apportioned to legal costs and Complaint Procedure; expenses and paid to Us. B. Us or Our agents; or 9. If a conflict of interest arises, where C. Your employer. We are also the insurers of the third 8. Actions between Persons Insured or party or proposed defendant to the pursued in order to obtain satisfaction Claim or legal proceedings, You have of a judgement or legally the right to select and appoint other binding decision. Legal Representatives in accordance with the terms of this 9. Legal Expenses incurred in pursuing Insurance. any Claim for compensation (either individually or as a member of a group 10. If at Your request Legal or class action) against the Representatives cease to continue manufacturer, distributor or supplier acting for You, We shall be entitled to of any drug, medication or medicine. withdraw cover immediately or agree with You to appoint other Legal 10. Legal Expenses chargeable by the Representatives in accordance with Legal Representatives under the terms of this Insurance. contingency fee arrangements.

What is not covered 11. Legal Expenses incurred where You have: 1. Any Claim reported to Us more than A. failed to co-operate fully with and 12 months after the beginning of the make sure that We are fully incident which led to the Claim. informed at all times in connection with any Claim or 2. Any Claim where it is Our opinion legal proceedings for damages that the prospects for success in and or compensation from a third achieving a reasonable settlement are party; or insufficient and/or where the laws, practices and/or financial regulations B. settled or withdrawn a Claim in of the country in which the incident connection with any Claim or occurred would preclude the obtaining legal proceedings for damages of a satisfactory settlement or the costs and or compensation from a third of doing so would be disproportionate party without Our agreement. In to the value of the Claim. such circumstances We shall be entitled to withdraw cover 3. Legal Expenses incurred before immediately and to recover any receiving Our prior authorisation fees or expenses paid. in writing. 12. Legal Expenses incurred after You 4. Legal Expenses incurred in have not: connection with any criminal or wilful A. accepted an offer from a third act on Your part. party to settle a Claim or legal proceedings where the offer is 5. Legal Expenses incurred in the considered reasonable by Us; or defence against any civil claim or legal proceedings made or brought against B. accepted an offer from Us to You unless as a counter-claim. settle a Claim.

6. Fines, penalties compensation or 13. Legal Expenses which We consider damages imposed by a court or other unreasonable or excessive or authority. unreasonably incurred.

7. Legal Expenses incurred for any Claim or legal proceedings

brought against: A. a tour operator, travel agent, carrier, insurer or their agents

MT-CM0004 27

General Exclusions

Exclusions that apply to the whole Policy. to take medication or other recommended treatment as We will not pay any Claims which would prescribed or directed result in Us being in breach of United by a Doctor. Nations resolutions or trade or economic B. Tropical disease where sanctions or other laws of the European not vaccinated Union, United Kingdom, Malta or United a tropical disease where the States of America. Person Insured has not had Applicable to US Persons only: Policy cover the vaccinations or taken the for a Trip involving travel to/from/through medication recommended by the Cuba will only be effective if the US Person’s Department of Health in Malta travel has been authorised by a general or or required by the authorities in specific licence from OFAC (US Treasury’s the country being visited, unless Office of Foreign Asset Control). For any they have written confirmation Claim from a US Person relating to Cuba from a Doctor that they should travel, We will require verification from the not be vaccinated or take the US Person of such OFAC licence to be medication, on medical grounds. submitted with the Claim. US Persons shall C. Anxiety state or phobia be deemed to include any individual a Person Insured suffering wherever located who is a citizen or from any travel-related anxiety ordinarily resident in the United States state, or phobia. (including Green Card Holders) as well as D. Excluded leisure activities any corporation, partnership, association, or or sports other organisation, wherever organised or You taking part in any of the doing business, that is owned or controlled following while on a Trip: by such persons. i) any leisure activities or You should contact Us on +356 27 761 373 sports not specifically for clarification of Policy cover for travel to covered under "Leisure countries which may be subject to United Activities & Sports" Nations resolutions or trade or economic ii) any leisure activities or sanctions or other laws of the European sports in a professional Union, United Kingdom, Malta or United capacity or for financial States of America. reward or gain iii) air travel unless You are We will not be liable to make any payment travelling as a fare paying under this Policy where: passenger on a flight which 1. Persons Covered is provided by a licensed airline or air charter You do not meet the criteria detailed company under Important Information on page 8 of this Policy. E. Currency Currency exchange, including but 2. Children travelling alone not limited to any loss of value or You are a Child travelling or booked currency conversion fees. to travel without an adult Person F. Illegal Acts Insured named in the Any illegal act by You. Certificate of Insurance. G. Alcohol/drugs

3. Trips not covered i) Alcohol You drinking too much Your Trip is described under “Trips alcohol, alcohol abuse or Not Covered”, on page 8 of this Policy. alcohol dependency. We do not expect You to avoid 4. any Claim is Due To: alcohol on Trips, but We A. Not taking medication or will not cover any Claims treatment arising because You have a Person Insured choosing not drunk so much alcohol that

MT-CM0004 28

Your judgement is K. War seriously affected and You War or any act of War whether need to make a Claim as a War is declared or not. result (for example any L. Financial Failure medical report or evidence The financial failure of a tour showing excessive alcohol operator, travel agent, transport consumption which in the provider, accommodation opinion of a Doctor has provider, ticketing agent or caused or contributed to the excursion provider. bodily injury).

ii) Drugs You taking any drugs in contravention of the laws

applicable to the country You are travelling to, or having an addiction to or abusing any medications, or being under the influence of

any non-prescribed medication which is classified as a legal high in the country You are travelling to.

H. Suicide/self-injury

i) Your suicide, attempted suicide or deliberate self- inflicted injury regardless of the state of Your mental health; or

ii) Your needless self- exposure to danger or where You have acted in a manner

contrary to visible warning signs except in an attempt to save human life.

I. Radiation i) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste resulting from the combustion of nuclear fuel; or

ii) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component of such assembly. J. Sonic waves pressure waves from aircraft and other airborne devices travelling at sonic or supersonic speeds.

MT-CM0004 29

Making a Claim

Conditions that apply to the whole Policy. Reporting Lost, Stolen or Damaged Property 1. If You are injured or become ill Abroad and need: 1. Lost or stolen Personal Property, A. hospital in patient treatment, Money, passport or driving licence. specialist treatment, medical You must make every reasonable tests, scans or to be brought back effort to obtain a police report within to Malta. You must contact 24 hours of discovery. Chubb Assistance immediately  If Lost or stolen from a hotel, on: +356 27 761 374. You must make every reasonable If You cannot do this yourself, effort to notify the hotel You must arrange for a personal management; and representative (for example, a spouse or parent) to do this for  If the Money You have Lost or You. If Chubb Assistance are had stolen includes travellers not contacted, any expense cheques, You must make every incurred by You that would reasonable effort to notify the otherwise not have been incurred local branch or agent of the had Chubb Assistance been issuing company; and contacted will be deducted from  Provide Us with a copy of the Your Claim original written reports. B. medical treatment other than 2. Personal Property Lost, stolen or under A. above - You must damaged whilst in the custody of an follow the procedure detailed airline or other carrier. under condition 2. below. You can make use of the services You must notify the airline or other provided by Chubb Assistance, carrier in writing within 24 hours of as appropriate (these are detailed discovery and provide Us with a copy on page 11 of this Policy). of the original Property Irregularity Report. 2. All other Claims

You must notify Us immediately by telephone or email as soon as reasonably possible and within 30 days of becoming aware of anything likely to result in a Claim. A personal representative can do this for You if You cannot. We can be contacted at: Email: [email protected] Tel: +356 27 761 373

MT-CM0004 30

Claim Conditions

Other Insurance Sending Us Legal Documents

If, at the time of an incident which results in You must send Us any original writ, a Claim under this Policy, there is any other summons, legal process or other insurance covering the same Loss, damage, correspondence received in connection with expense or liability, We are entitled to a Claim immediately when it is received approach that insurer for a contribution and without answering it. towards the Claim, and will only pay Our proportionate share. This condition does not Subrogation apply to Section 11 - Personal Accident or Section 3 – Hospital Benefit of this Policy. We may take action in Your name to recover compensation or security for loss, Recovering Our Claims Payments damage or expenses covered by this from Others insurance. You will not have to pay anything towards this action but We will be We are entitled to take over and carry out in entitled to retain some or all of any Your name the defence or settlement of any amount recovered. legal action. We may also take proceedings at Our own expense and for Our own Things You Must Not Do benefit, but in Your name, to recover any payment We have made under this Policy to You must not do the following without Our anyone else. written agreement: 1. admit liability, or offer or promise to Complying with Special Conditions make any payment; or You must comply with the Special 2. sell or otherwise dispose of any item or Conditions detailed in the relevant Section property for which a Claim is of this Policy. being made Supplying Details & Documents Recognising Our Rights You must supply at Your own expense any You and each Person Insured must information, evidence and receipts We recognise Our right to: require including medical certificates signed by a Doctor, police reports and other 1. choose either to pay the amount of a reports. Claim (less any Excess and up to any Policy limit) or repair, replace or Your Duty to Avoid or Minimise reinstate any item or property that is a Claim damaged, Lost or stolen;

You and each Person Insured must take 2. inspect and take possession of any ordinary and reasonable care to safeguard item or property for which a Claim is against Loss, damage, Accident, injury or being made and handle any salvage in illness as though You were not insured. If a reasonable manner; We believe You have not taken reasonable care of property, the Claim may not be 3. take over and deal with the defence or paid. The items insured under this Policy settlement of any Claim in Your must be maintained in good condition. name and if a settlement is made without costs being awarded, Protecting Property determine what proportion of those costs should be paid for costs & You must take all reasonable steps to expenses and paid to Us; protect any item or property from further Loss or damage and to recover any Lost or 4. settle all Claims in euros; stolen article. 5. be reimbursed within 30 days for any costs or expenses that are not insured under this Policy, which We pay to You or on Your behalf;

MT-CM0004 31

6. be supplied at Your expense with be a full discharge of all liability appropriate original medical by Us in respect of the Claim. certificates where required before paying a Claim;

7. request and carry out a medical examination and insist on a post- mortem examination, if the law allows

Us to ask for one, at Our expense.

Fraudulent Claims

We will not pay dishonest Claims. If You make a dishonest Claim, We may cancel Your cover.

Paying Claims

1. Death

A. If You are 18 years old or over, We will pay the Claim to Your estate and the receipt given to Us by Your personal representative (in most cases, the executor

appointed under Your will) shall be a full discharge of all liability by Us in respect of the Claim. B. If You are aged under 18 years and covered under this Policy as the Partner of a Person Insured, We will pay any

Claim for Accidental death to Your Partner. In all other circumstances We will pay any Claim for Accidental death to Your Parent or Legal Guardian. Your Partner’s or Parent or Legal Guardian’s

receipt shall be a full discharge of all liability by Us in respect of the Claim.

2. All other Claims A. If You are 18 years or over, We will pay the Claim to You and Your receipt shall be a full discharge of all liability by Us in

respect of the Claim. B. If You are aged under 18 years and covered under this Policy as the Partner of a Person Insured, We will pay the Claim

to Your Partner for Your benefit. In all other circumstances we will pay the appropriate benefit amount to Your Parent or Legal Guardian for Your benefit. Your Partner’s or Parent or Legal Guardian’s receipt shall

MT-CM0004 32

General Conditions

Conditions that apply to the whole Policy. Cancelling Your Policy Contract If You want to cancel Your Policy

This Policy, the Certificate of Insurance and 14 day cancellation right any information provided in Your If, for any reason, You are not satisfied with application will be read together as one this Policy, You may, within 14 days of contract. receiving Your Policy and Certificate of Insurance contact Us and we will cancel it. If Choice of Law this happens the Policy will have provided no cover and We will refund any premiums You This Policy shall be governed by and have paid, providing You have not already interpreted in accordance with the laws of travelled and no Claim(s) have been Malta and the English Courts alone shall have reported or paid. jurisdiction in any dispute. All communication in connection with this Policy After 14 days You may cancel Your policy, shall be in English. but We will not pay You a refund of any premium You have paid. Compliance with Policy Requirements Our contact details are: You (and where relevant Your representatives), shall comply with all Email: [email protected] applicable terms and conditions specified in Tel: +356 27 761 373 this Policy. If You do not comply, We will If We want to cancel Your Policy only pay that part of any Claim that We would have had to pay if You had complied We can cancel this Policy by giving You 30 in full. days written notice. We will only do this for a valid reason. Examples of valid cancellation Changing Your Policy reasons include attempted or actual fraud, or where We are ordered or instructed to cancel 1. If You want to change Your Policy this Policy by a regulator, court, or other law If any of the information You have enforcement agency. If We cancel the Policy given Us changes You must telephone We will refund any premium You paid for (and confirm in writing if We request the cancelled period provided You have not You to do so), email or write to Us. made a Claim under the Policy during the current Period of Insurance. 2. If We want to change Your Policy We reserve the right to make changes or add to these Policy terms for legal or Other taxes or costs regulatory reasons and/or to reflect new We are required to notify You that other industry guidance and codes of practice. taxes or costs may exist which are not If this happens We will write to You imposed or charged by Us. with details at least 30 days before We make any changes. You will then have Misrepresentation and the option to continue with or to cancel Non-Disclosure the Policy. You must take reasonable care to ensure that Any change made to Your Policy will begin all of the information provided to Us in the on the date that the Certificate of Insurance is application process, in the "Declaration", by issued to You by Us. correspondence, over the telephone, on claim forms and in other documents is true, If We change Your policy and as a result of complete and accurate. Please note that those changes You wish to cancel Your providing incomplete, false or misleading policy, We will send You a pro-rata refund information could affect the validity of this unless You have made a Claim under this Policy and may mean that all or part of a Policy in which case no refund will be made. Claim may not be paid. You acknowledge that We have offered the Policy and calculated the premium using the information which We have asked for and

MT-CM0004 33

You have provided, and that any change to If it is not possible to reach an agreement, the responses provided may result in a You should write to: change in the terms and conditions of the Policy and/or a change in the premium. Consumer Complaints Manager Malta Financial Services Authority Notabile Road Interest BKR3000 Attard No sum payable by Us under this Policy shall Malta carry interest unless payment has been unreasonably delayed by Us following receipt Following these complaints procedures does of all the required certificates, information not reduce Your statutory rights relating to and evidence necessary to support the this Policy. For further information about Claim. Where interest becomes payable by Your statutory rights contact the Citizens Us, it will be calculated only from the date of Advice Bureau. final receipt of such certificates, information or evidence. European Online Dispute Resolution Platform Bank Charges If You arranged Your Policy with Us online We shall not be liable for any charges applied or through other electronic means, and have by Your bank for any transactions made in been unable to contact Us either directly or relation to a Claim. through the Financial Ombudsman Service, You may wish to register Your complaint Complaints procedures through the European Online Dispute Resolution platform: We are dedicated to providing a high quality http://ec.europa.eu/consumers/odr/. service and want to maintain this at all times. If You are not satisfied with this service, Your complaint will then be re-directed to please contact Us, quoting Your Policy the Financial Ombudsman Service and to Us details, so We can deal with the complaint as to resolve. There may be a short delay before soon as possible. We receive it. If You have a complaint about the sale of Prudential Regulation Authority and Your Policy, the Customer Service You have received or the way Your Claim has been Financial Conduct Authority handled please contact: "Chubb European Group SE (CEG) is an undertaking governed by the provisions of Tel: +356 27 761 373 the French insurance code with registration Email: [email protected] number 450 327 374 RCS Nanterre. You can approach the Financial Ombudsman Registered office: La Tour Carpe Diem, 31 Service for assistance if there is Place des Corolles, Esplanade Nord, 92400 dissatisfaction with Our final response or Courbevoie, France. CEG has fully paid share after eight weeks from making the complaint capital of €896,176,662. if not resolved satisfactorily. Any approach to UK business address: 100 Leadenhall Street, the Financial Ombudsman Service must be London EC3A 3BP. Supervised by the made within 6 months of Our final response. French Prudential Supervision and Contact details are given below. A leaflet Resolution Authority (4, Place de Budapest, explaining the procedure is available upon CS 92459, 75436 PARIS CEDEX 09) and request. authorised and subject to limited regulation by the Financial Conduct Authority. Details Financial Ombudsman Service about the extent of our regulation by the Exchange Tower Financial Conduct Authority are available Harbour Exchange Square from us on request. You can find details London E14 9SR about the firm by searching ‘Chubb European Group SE’ online at Tel: +44 (0) 800 023 4567 (calls are free https://register.fca.org.uk/. CEG provides from a UK landline or mobile) +44 (0) 300 insurance cover in Malta on the basis of 123 9123 (calls charged at the same rate as 01 freedom of services without a branch. or02 numbers on a mobile phone) Email: complaint.info@financial- ombudsman.org.uk Website: www.financial-ombudsman.org.uk

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Financial Services Compensation Scheme

In the unlikely event that We are unable to meet Our liabilities, You may be entitled to compensation under the Financial Services

Compensation Scheme (FSCS). Its contact details are:

Financial Services Compensation Scheme 10th Floor, Beaufort House 15 St. Botolph Street London EC3A 7QU

Phone: 0800 678 1100 or 020 7741 4100 Website: www.fscs.org.uk

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General Definitions

The following words and phrases below will accommodation is primarily on an ocean or always have the following meanings river going passenger ship. wherever they appear in the Policy and in bold type and starting with a capital letter. Curtail, Curtailed, Curtailment Cut short/cutting short Your Trip. Abroad Outside Malta Doctor A doctor or specialist, registered or licensed Accident, Accidental to practise medicine under the laws of the A sudden identifiable violent external event country in which they practise that happens by chance and which could not who is neither: be expected; or unavoidable exposure to 1. a Person Insured; or severe weather. 2. a relative of the Person Insured Adverse Weather making the Claim, Weather of such severity that the police (or unless approved by Us. appropriate authority) warn by means of Due To public communications network (including but not limited to television or radio) that it Directly or indirectly caused by, arising or is unsafe for individuals to attempt to travel resulting from, or in connection with. via the route originally planned by You. Europe Age Limit Albania, Andorra, Austria, Belarus, Belgium, 64 years old (inclusive) and under at the Bosnia-Herzegovina, Bulgaria, Canary date of taking out the Policy. Islands, Channel Islands, Croatia, Czech Republic, Denmark, Eire, Estonia, Finland, Any One Claim France, Germany, Gibraltar, Greece, All Claims or legal proceedings including Hungary, Iceland, Isle of Man, Italy, Latvia, any appeal against judgment consequent Liechtenstein, Lithuania, Luxembourg, upon the same original cause, event Macedonia, Madeira, Mediterranean Islands or circumstance. (including Majorca, Menorca, Ibiza; Corsica; Sardinia; Sicily;; Crete, Rhodes and other Child, Children Greek Islands; Cyprus), Moldova, Monaco, A person under 18 years of age at the time Netherlands, Norway, Poland, Portugal, the Policy is purchased. Romania, Russian Federation (West of Urals), Serbia and Montenegro, Slovakia, Chubb Slovenia, Spain, Sweden, Switzerland, Turkey, Ukraine, United Kingdom. Chubb European Group SE Excess Chubb Assistance The first amount stated in the Table of 1. The telephone advice, information and Benefits of any Claim which each Person counselling services; and/ or Insured must pay for each Section of the 2. the travel assistance and emergency Policy that is claimed under. medical and repatriation services; arranged by Chubb. Immediate Family Member Claim, Claims Your Partner or fiancé(e) or the grandchild, child, brother, sister, parent, Single loss or a series of losses Due To one grandparent, step-brother, stepsister, step- cause covered by this Policy. parent, parent-in-law, son- in-law, Close Business Colleague daughter-in-law, sister-in-law, brother-in- law, aunt, uncle, nephew, niece, of You or Someone who You work with in the United Your Partner, or anyone noted as next of Kingdom and who has to be in work in kin on any legal document, all of whom order for You to be able to go on or must be resident in Malta, and not any continue a Trip. Person Insured. Cruise A sea or river voyage of more than 3 days in total duration, where transportation and

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Insured Adult lenses or surgery, objects that should A person named in the Certificate of be clear from 60 feet away can only be Insurance between the ages of 18 and 64 seen from 3 feet away or less. (inclusive). Malta Legal Expenses Includes the islands of the Republic of 1. Fees, expenses, costs/expenses of Malta, Gozo and Comino. expert witnesses and other Mobility Aid, Mobility Aids disbursements reasonably incurred by the Legal Representatives in Any crutch, walking stick, walking frame, pursuing a Claim or legal proceedings wheeled walking frame, walking trolley, for damages and/or compensation evacuation chair, wheelchair, powered against a third party who has caused wheelchair or mobility scooter constructed any Persons Insured Accidental specifically to aid persons suffering from bodily injury or illness or in appealing restricted mobility but excluding any golf or resisting an appeal against the buggy or golf trolley. judgment of a Court, tribunal Money or arbitrator. Coins, banknotes, traveller’s cheques, postal 2. Costs for which You are legally liable or money orders, travel tickets, pre-paid following an award of costs by any vouchers, non-refundable pre-paid entry court or tribunal or an out of Court tickets and debit, credit, payment, settlement made in connection with prepayment and/or charge cards. any Claim or legal proceedings. Parent or Legal Guardian Legal Representatives A person with parental responsibility, or a The solicitor, firm of solicitors, lawyer, legal guardian, both being in accordance advocate or other appropriately qualified with relevant family law regulations. person, firm or company appointed to act on Your behalf. Partner Loss, Lost, Losses Your spouse or civil partner (registered pursuant to the Civil Unions Act) or Your Personal Property, Money, someone of either sex with whom You have business equipment passport and/or driving been living for at least three months as licence that are covered under this Policy: though they were Your spouse or 1. have been accidentally or civil partner. unintentionally left in a location and they have then disappeared; or Period of Insurance 2. are in a known location, but You are Period of cover commencing at 00.01 or any not reasonably able to retrieve later time the Certificate of Insurance is them; or issued and ending on the date shown on 3. have disappeared and You are not Your Certificate of Insurance. sure how it has happened Permanent Disability Loss of Limb Any form of functional disability which has Amputation or total and permanent loss of lasted for at least 12 months and from use of one or more hands at or above the which, based on medical evidence, You will wrist or of one or more feet above the ankle never recover. (talo-tibial joint). Permanent Total Disablement Loss of Sight 1. If You were in gainful employment at 1. In both eyes: the date of the Accident: Permanent blindness, which based on A Permanent Disability which medical evidence You will never stops You from carrying out gainful recover from. employment for which You are fitted by way of training, education or 2. In one eye: experience; or Permanent blindness, which based on 2. If You were not in gainful employment medical evidence You will never at the date of the Accident: recover from, in an eye to the degree that, after correction using spectacles,

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A form of Permanent Disability interference with Your Personal calculated on a medical assessment by Property or vehicle. Us or an independent medical expert appointed by Us, which results in Valuables Your inability to perform, without Cameras and other photographic assistance from another person, at equipment, telescopes and binoculars, least 2 of the following activities of audio/video equipment (including radios, daily living: iPods, mp3 and mp4 players, camcorders,  eating; DVD, video, televisions, and other similar audio and video equipment), mobile  getting in and out of bed; phones, satellite navigation equipment,  dressing and undressing; computers and computer equipment  toileting; or (including PDAs, personal organisers,  walking 200 metres on laptops, notebooks, netbooks, iPads, tablets level ground and the like), computer games equipment (including consoles, games and peripherals) Personal Property jewellery, watches, furs, precious and semi- 1. Any suitcase, trunk or container of a precious stones and articles made of or similar kind and its contents; containing gold, silver or other precious metals. 2. any Mobility Aid; 3. Valuables, War 4. any other article worn or carried by Armed conflict between nations, invasion, You; that is not otherwise excluded act of foreign enemy, civil war or taking and which is either owned by You or power by organised or military force. for which You are legally responsible. We, Us, Our, Ourselves Public Transport Chubb European Group SE Any air, land or water vehicle operated under licence for the transportation of fare- Winter Sports paying passengers and which runs to a Bigfoot skiing, bobsleighing, cross-country scheduled published timetable. skiing, glacier skiing, heli-skiing, kite snowboarding, langlauf, luging, mono- Repair and Replacement Costs skiing, skidooing, skiing, ski acrobatics, ski The cost of repairing partially damaged flying, ski jumping, ski racing, ski touring, property, or, if property is totally Lost or sledging, snow blading, snowboarding, destroyed or uneconomical to repair, the snowmobiling, speed skating, tobogganing. cost of replacing property as new less a deduction for wear, tear or depreciation. You, Your, Person(s) Insured (Note: We will pay a reasonable proportion All persons named in the Certificate of of the total value of a set or pair to repair or Insurance within the Age Limit being replace an item that is part of a set or pair). resident Malta. Each person is separately insured with the exception of any Child Travelling Companion(s) unless travelling with an Someone You have arranged to go on a Insured Adult. Trip with and who it would be unreasonable to expect You to travel or continue Your Trip without.

Trip

A journey Abroad involving pre-booked travel or accommodation.

Unattended Where You are not in full view of or in a position to prevent unauthorised taking or

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Data Protection We use personal information which You supply to Us in order to write and administer this Policy, including any claims arising from it.

This information will include basic contact details such as Your name, address, and policy number, but may also include more detailed information about You (for example, Your age, health, details of assets, claims history) where this is relevant to the risk We are insuring, services We are providing or to a claim You are reporting.

We are part of a global group, and Your personal information may be shared with Our group companies in other countries as required to provide coverage under Your policy or to store Your information. We also use a number of trusted service providers, who will also have access to Your personal information subject to Our instructions and control.

You have a number of rights in relation to Your personal information, including, in certain circumstances, the right of access, the right to rectification, erasure (the ‘right to be forgotten’), restriction, data portability and the right to lodge a complaint with the relevant supervisory authority. In this particular case, Your right to withdraw consent would not apply (because Our legal basis for processing is not consent, but rather, contractual necessity). Your right to object to Our processing of the personal data mentioned in the second paragraph above would also be inapplicable for the same reason.

This section represents a condensed explanation of how We use Your personal information. For more information, We strongly recommend You read Our user-friendly Master Privacy Policy, available here: https://www2.chubb.com/uk- en/footer/privacy-policy.aspx. You can ask Us for a paper copy of the Privacy Policy at any time, by contacting Us at mailto:dataprotectionoffice.europe@chubb. com.

Chubb European Group SE (CEG) is an undertaking governed by the provisions of the French insurance code with registration number 450 327 374 RCS Nanterre. Registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France. CEG has fully paid share capital of €896,176,662.

UK business address: 100 Leadenhall Street, London EC3A 3BP. Supervised by the French Prudential Supervision and Resolution Authority (4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09) and authorised and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. You can find details about the firm by searching ‘Chubb European Group SE’ online at https://register.fca.org.uk/. CEG provides insurance cover in Malta on the basis of freedom of services without a branch.

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Contact Us About Chubb

Chubb European Group SE Chubb is the world’s largest publicly traded The Chubb Building property and casualty insurer. With operations 100 Leadenhall Street in 54 countries, Chubb provides commercial London and personal property and casualty insurance, EC3A 3BP personal accident and supplemental health www.chubb.com/uk insurance, reinsurance and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally. The insurance companies of Chubb serve multinational corporations, midsize and small businesses with property and casualty insurance and services; affluent and high net worth individuals with substantial assets to protect; individuals purchasing life, personal accident, supplemental health, home and car insurance and other specialty insurance coverage; companies and affinity groups providing or offering accident and health insurance programmes and life insurance to their employees or members; and insurers managing exposures with reinsurance coverage. Chubb’s core operating insurance companies maintain financial strength ratings of AA from Standard & Poor’s and A++ from A.M. Best. Chubb’s parent company is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index.

Chubb European Group SE (CEG) is an undertaking governed by the provisions of the French insurance code with registration number 450 327 374 RCS Nanterre. Registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France. CEG has fully paid share capital of €896,176,662.

UK business address: 100 Leadenhall Street, London EC3A 3BP. Supervised by the French Prudential Supervision and Resolution Authority (4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09) and authorised and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. You can find details about the firm by searching ‘Chubb European Group SE’ online at https://register.fca.org.uk/. CEG provides insurance cover in Malta on the basis of freedom of services without a branch.