TABLE OF CONTENTS

I. PLEASE NOTE 

II. "WHAT TO DO IF..." - WHEN YOU NEED YOUR TRAVEL INSURANCE

III. TERMS OF INSURANCE

IV. CONTACT INFORMATION

I – PLEASE NOTE

• You must at the start of the insurance period be entitled to services under the Danish Health Act, including the public travellers' health insurance. Travel insurance can also be bought although you are temporarily deregistered from the national registration office because of the duration of the trip.

• That specific rules apply to people with chronic/existing diseases.

• That the travel insurance will not cover if you are 35 years or more on the date of departure.

• That holiday compensation cover is not included in this travel insurance.

• That the travel insurance does not cover claims based on skiing if the aim of more than 50 % of the duration of the trip is skiing. Any claims due to skiing are excluded from cover 7 Accident. Please see section 7.5 b.

• It is stated in your policy in case you have chosen to take out the policy with a deductible of DKK 1.000. The deductible applies to all of the coverage.

• That you are responsible for the correctness of the information in your policy.

• That you are responsible for knowing the terms which form the basis of any Gouda compensation.

• That you should leave a copy of your policy with a relative in Denmark.

• That the travel insurance is available for EU/EEA, extended Europe, the world exclusive of the USA and the world inclusive of the USA, respectively. The area covered by the travel insurance you have bought appears from your policy. The travel insurance does not provide cover within Denmark unless otherwise stated in the policy.

II. "WHAT TO DO IF..." - WHEN YOU NEED YOR TRAVEL INSURANCE

This section forms part of the insurance terms. It is important that you observe these guidelines closely as this may affect Gouda's liability to pay compensation.

If you have any questions or need guidance?
If you need general advice or guidance before, during or after your journey, you are always welcome to contact Gouda Rejseforsikring. Telephone hours: Monday to Friday between 9 am and 5 pm:

Tel.: (+45) 88 20 88 20
Fax: (+45) 88 20 88 21
E-mail: gouda@gouda.dk

How to report a claim
From all over the world you can use Gouda's alarm centre in Copenhagen. The alarm centre is open 24 hours a day - 365 days a year. You will find contact information in section IV on page 30.
When calling the Gouda alarm centre, you will get through to an employee who will assist you. In case of illness or accident, physicians are ready to step in and start a dialogue with the treating physician. It is important to observe the instructions given to you by Gouda’s physician or the Gouda alarm centre.
Before you call the Gouda alarm centre, you should spend a few minutes finding all relevant information. This may include policy number, personal registration number, name and phone number of the local physician/hospital, diagnosis, the name of your GP, and possibly addresses of your relatives. This will enable us to help you faster.

Reporting a claim after returning home
A claim is reported by forwarding a claimsform to Gouda. You will find the claims report on our homepage www.gouda.dk under the link “get form” (“Hent blanket”. The claimsform should be forwarded to:
Gouda Rejseforsikring, Sejrøgade 7, 2100 Copenhagen Ø.

If you get ill, are subject to theft, or…
In this section you can see what to do if you need to make a claim under your travel insurance. Please remember that the description must always be combined with the terms of insurance (please see section III).

Admission to hospital
If you are admitted to hospital, please contact Gouda alarm centre as soon as possible and no later than 24 hours after hospitalisation. The Gouda alarm centre ensures a correct treatment and a proper standard. If necessary, the Gouda alarm centre will issue payment guarantee towards the hospital in question. For information about visits to emergency departments – please see below.

Assault
If you are subject to an assault, you must inform the Gouda alarm centre as soon as possible. Please note that it is a condition for cover that the assault is reported as soon as possible to the local police and that medical certificate/emergency department report is obtained.

Baggage delay
If your baggage is delayed, you must report the delay to the airline and make sure to get written confirmation in the form of a PIR (Property Irregularity Report). Furthermore, you must keep the receipt for the replacement purchases which you make at your destination, and if possible obtain documentation showing when you receive your baggage from the airline. Finally, you must send a claims form to Gouda with the above original documents and the original air tickets and baggage tags on your return.

Calling in and accompanying a sick traveller
If you want to call in assistance or accompanied travel, you must contact the Gouda alarm centre immediately. It is important for the decision that you provide the exact diagnosis from the treating physician, and that Gouda’s physician gets access to all relevant medical records.

Death
In case of death, the Gouda alarm centre must be contacted as soon as possible. Our employees will then make the necessary arrangements - in close co-operation with the relatives and the relevant authorities.

Delayed return journey
If your return journey is delayed more than 5 hours you have to forward documentation from the transport company. Furthermore you have to forward original receipt for your reasonable and necessary extra expenses for accommodation and meals.

Delays
If you cannot get to the planned means of transport in time, you must contact the Gouda alarm centre as soon as possible, stating where you bought your ticket. The Gouda alarm centre will then – in co-operation with the travel agency/airline give you advice and help you find alternative transport.

Evacuation
If you are in an area from which evacuation becomes necessary, please contact the Gouda alarm centre which will arrange for the evacuation – possibly in co-operation with public authorities. You are also welcome to contact Gouda alarm centre if you have any doubts as to whether evacuation is necessary.

Illness or injury
It is a condition for Gouda’s liability to pay that you obtain the exact diagnosis from the treating physician, and that Gouda’s physician gets access to all relevant hospital records. After your return home, you must forward documentation for the expenses, after which a refund, if any, will be made. Above, you can read more about what to do in connection with hospitalisation, visits to the doctor or emergency department. If the price of the treatment is expected to exceed DKK 5,000, the Gouda alarm centre must be contacted.

Legal aid abroad
If you need legal assistance or guarantee, you must contact Gouda immediately. Any guarantee issued must be repaid to Gouda after release. Final settlement of a guarantee will typically be made after your return home.

Medical treatment
If you have been treated by a general practitioner, you may ask the physician to contact Gouda regarding payment, or you may choose to pay for treatment yourself and then forward a claims form and original vouchers to Gouda for a refund. The claims form must be forwarded as soon as possible - regardless whether payment has been made by you or Gouda. Please remember always to get the necessary documentation for your illness; i.e. a medical certificate with diagnosis and information about any prescribed medicine and original voucher documenting payment of medical treatment and medicine. If the price of the treatment is expected to exceed DKK 5,000, the Gouda alarm centre must be contacted.

Obtaining fixed itinerary
If obtaining itinerary may be necessary, please contact the Gouda alarm centre as soon as possible.

Personal property
If personal property is stolen, lost or damaged, it is a condition for Gouda’s liability to pay that you report the event to the local police as soon as possible. If the damage occurred while the baggage was in the care of the transport company / airline, you must report the damage as soon as possible to such company and obtain documentation of the reporting in the form of a PIR (Property Irregularity Report). The claims form must be forwarded to Gouda as soon as possible. Enclose original receipt for the reporting to the above authorities and original documentation for the value and age of the stolen, lost or damaged property. In case of damage to property, such property must not be discarded until permission has been given or the damage assessed. At Gouda’s request, the damaged property must be forwarded to Gouda. Checked-in baggage shall not be considered lost until 30 days after the arrival of the insured at the destination.

Personal liability
You must never acknowledge a personal liability to pay compensation. You must leave it to Gouda to make this decision. If not, you may risk having to pay compensation yourself, including compensation for damage for which you cannot be held liable. You must contact Gouda as soon as possible if you are in a situation which may lead to a claim for compensation against you. It is important that the name and address of the injured person and any witnesses should be passed on to Gouda.

Recall
If, because of acute serious illness or death in your immediate family, you want to go home ahead of schedule, you must immediately contact the Gouda alarm centre. The Gouda alarm centre will decide if the costs of your transport home can be covered. If so, the Gouda alarm centre will arrange for an extraordinary return trip. If – according to agreement with the Gouda alarm centre – you arrange the return trip on your own, or if you have any other expenses which are covered by the insurance, you must forward a claims form as soon as possible.

Repatriation
In all cases where repatriation may be relevant, you must contact the Gouda alarm centre as soon as possible. Gouda’s physician will then in consultation with the treating physician/hospital assess whether repatriation is necessary and justifiable.

Search and rescue
If search or rescue operations should become necessary, please contact the local authorities first of all. Then please contact the Gouda alarm centre as soon as possible. Gouda alarm centre will make the necessary arrangements – possibly in co-operation with local and public authorities.

Travel documents
In case of theft, robbery, etc., it is a condition for Gouda's liability to pay compensation that you report the event to the local police immediately. If the damage leads to acute problems, you must immediately contact the Gouda alarm centre. After your return home, a claims form must be forwarded to Gouda as soon as possible. Please enclose with the claims form the original receipt for having reported the event to the above authority and original documentation for the costs of repurchase, transport, charges and photo.

Visit to emergency department
If you need to visit the emergency department, you must contact the Gouda alarm centre as soon as possible. For payment, you may ask the emergency department to contact Gouda, or you may choose to pay for your treatment yourself and subsequently forward claims form and original documents to Gouda for a refund. The claims form must be forwarded as soon as possible - regardless whether payment has been made by you or Gouda. Please remember always to get the necessary documentation for your illness; i.e. a medical certificate with diagnosis and information about any prescribed medicine and original voucher documenting payment for medical treatment and medicine. In case of admission to hospital – please see above.

III – TERMS OF CONDITIONS

Here you will find the detailed terms and conditions for your travel insurance; i.e. its scope and exceptions. These are the terms and conditions on which your cover is based. Please note that the sections I and II form an integrated part of the terms and conditions and that any instructions therein must be observed. In section 30, words in italics have been defined in detail.

Please note:
If the cost of a claim has not been included in the description of your insurance cover (The costs covered by your travel insurance), this means that the cost in question is not covered by your travel insurance.

When travelling in EU/EEA, this cover solely apply section 1.1 g and 1.1 l in the first month of the term of the policy, unless additional cover has been ordered for stays with the purpose of working/studying. The additional cover must appear from the policy.

COVER	SUPER	STANDARD
Insurance amount	Unlimited	DKK 1.000.000 kr.

1.1 Costs covered by the travel insurance

In case of acute illness or injury which has occurred during the trip, the travel insurance covers reasonable and necessary costs of

a) treatment by a physician with authorisation in the country where you receive treatment (treating physician),

b) medicine – prescribed by the treating physician or Gouda’s physician,

c) hospital stay in two-bed room (semi-private) and hospital treatment prescribed by a physician, including surgery,

d) provision of screened blood and monitoring to ensure that you receive the screened blood. It is a condition for the insurance cover that Gouda’s physician is of the opinion that you are in a risk area,

e) pregnancy complications, delivery, treatment of an unborn baby or a premature baby, until eight weeks before the expected date of birth. The costs are covered by the mother’s travel insurance. The costs of treating an unborn or premature baby must be included in the present sickness cover and the travel insurance solely provides cover for 1 month.

f) telephone calls during hospitalisation according to the chart below,

COVER	SUPER	STANDARD
Insurance amount	DKK 1.000	DKK 500

g) taxi transport for the insured to and from the place of treatment according to the below chart

COVER	SUPER	STANDARD
Insurance amount	DKK 1.000	DKK 500

h) ambulance transport from the place of illness/accident to the place of treatment. Air ambulance must be approved by Gouda in advance,

i) ambulance transport as a consequence of treatment failure to the nearest, suitable place of treatment. It is a condition for insurance cover that Gouda’s physician – after contact with the treating physician – is of the opinion that such transport is necessary and safe,

j) extension of your Gouda travel insurance in cases where your journey home is delayed beyond the insurance period.
Furthermore, the travel insurance covers reasonable and necessary additional costs of

k) hotel accommodation and meals if Gouda's physician is of the opinion that you can be treated as an outpatient instead of being admitted to hospital. Insurance amount per day appears from the below chart.

l) hotel accommodation and meals after treatment when awaiting the home journey or obtaining itinerary. Insurance amount per day appears from the below chart.

COVER	SUPER	STANDARD
Insurance amount	DKK 1.500	DKK 1.000

1.2 The travel insurance does not cover
The travel insurance does not cover the costs

a) of treatment or accommodation after your return to Denmark,
b) of treatment of chronic or existing diseases which have in the course of the last two months (six months for trips of more than one month) before departure led to:

• hospitalisation,
• assessment/treatment by a physician which is not part of a check-up,
• changed medication

c) of treatment of chronic or existing diseases if you:
• have not consulted a physician or have rejected/given up treatment for the disease even though you ought to know or assume that the disease required treatment or had worsened materially,
• have been given up or been refused treatment,
• have been registered for, referred to or are on a waiting list for assessment/treatment,
• have failed to attend scheduled check-up visits within the last two months (six months for trips of a duration of more than one month) or have because of previously failing to attend given up normal check-up visits,

d) for treatment of diseases which are or have been under examination and/or have been under examination prior to the departure, even if no diagnosis has been made,

e) for check-up and treatment, including medicine, with a view to keeping a chronic or existing disease stable and controlled,

f) of a need for treatment which was known prior to departure,

g) to continued treatment or stay, if you refuse to be taken home when Gouda’s physician has decided that repatriation will take place,

h) for treatment or stay if Gouda’s physician has decided that treatment can await your return to Denmark,

i) in connection with repatriation arranged by you yourself which Gouda would not have incurred if Gouda had arranged the repatriation,

j) for transport as a consequence of your fear of infection,

k) which are incurred because you do not observe the instructions given by Gouda’s physician,

l) for dental treatment – please see cover 4 Dental treatmentand physiotherapy, etc.
m) for physiotherapy, chiropractor or other non-medical treatment – please see cover 4 Dental treatment and physiotherapy, etc.

n) for induced abortion,

o) for the treatment of or sequelae of aids, including examination of symptoms. This exception applies without consideration to section 1.2 a-c.

p) to replace or repair prostheses, glasses, contact lenses, hearing aids, dentures and other aids.

q) for recreation or spas.

r) for treatment or hospitalisation following expiry of your policy. In case Gouda´s physician assess that you are unable to proceed with your return journey due to a covered incident, the policy provides cover for treatment and hospitalisation until you are able to return to Denmark.

For trips in EU/EEA, section 2.1 b and c are not included in the travel insurance during the first month of the term of the policy as the insured is covered by the public travel health insurance.

COVER	SUPER	STANDARD
Insurance amount	Unlimited	Unlimited

2.1 Costs covered by the travel insurance
In case of acute illness or injury covered by cover 1 Illness or the public travellers' health insurance, the travel insurance covers reasonable and necessary

a) additional costs of transport home to residence/hospital in Denmark. Gouda’s physician will - after contacting the treating physician – assess whether repatriation is necessary and safe, and if so, decide which means of transport to use. Gouda will decide when repatriation will take place,

b) costs of either repatriation to undertaker/crematorium in Denmark in case of death, including costs of statutory measures, such as embalming and zinc coffin or

c) costs of cremation and/or funeral at the destination if this is requested by the relatives – the maximum travel insurance cover is the cost of repatriation,

d) additional costs of returning important personal property which you have to leave behind as a consequence of repatriation approved by Gouda,

e) costs of taxi or ambulance prescribed by a physician from the hospital or the airport to your residence in Denmark after Gouda has taken you home to Denmark,

f) costs of return journey to the starting point for the repatriation - maximum economy class. It is a condition for insurance cover that at the time of the repatriation at least 31 days remained of the travel and insurance period. Return journey must only take place after a written report issued by your own physician or hospital stating that you are fit to travel has been approved by Gouda. The return journey must be made no later than 90 days after you have been declared fit.
If after completion of treatment and discharge from hospital abroad, you have not been able to use the route planned and documented before departure, and if you have not been repatriated on Gouda’s account, the travel insurance will cover reasonable and necessary additional costs of

g) catching up with the planned itinerary – maximum economy class – to the place where you were supposed to be according to the planned itinerary or

h) return to your residence in Denmark – maximum economy class. If you return to your residence in Denmark, you are not entitled to a possible return journey.

2.2 The travel insurance does not cover
The travel insurance does not cover the costs of

a) repatriation because of chronic or existing diseases which have in the course of the last two months (six months for trips with a duration of more than one month) before departure led to:

• hospitalisation,
• assessment/treatment by a physician which is not part of a check-up,
• changed medication

b) repatriation in connection with chronic or existing diseases if you:

• have not consulted a physician or have rejected/given up treatment for the disease even though you ought to know or assume that the disease required treatment or had worsened materially,
• have been given up or been refused treatment,
• have been registered for, referred to or are on a waiting list for assessment/treatment,
• have failed to attend scheduled check-up visits within the last two months (six months for trips of a duration of more than one month) or have because of previously failing to attend given up normal check-up visits,

c) repatriation arranged by yourself which Gouda would not have incurred if Gouda had arranged the transport,
d) air ambulance in cases where transport can in the opinion of Gouda's physician be arranged in another, medically safe way,
e) repatriation as a consequence of your fear of infection.
 

3.1 Costs covered by the travel insurance
During your trip, you will have access to Gouda’s 24-hour Danish medical emergency service both in connection with serious and less serious diseases. You can get advice and guidance regarding medical treatment, medicine prescribed by the treating physician, and about suitable doctors and dentists abroad.

3.2 The travel insurance does not cover
The travel insurance does not cover your costs of contacting Gouda's 24-hour medical emergency service.
 

COVER	SUPER	STANDARD
Physiotherapy, etc.	DKK 15.000	DKK 5.000
Dental treatment	DKK 3.000	DKK 2.500

4.1 Costs covered by the travel insurance
In case of acute illness or injury covered by cover 1 Illness, the public travellers’ health insurance, or in connection with acute tooth ache / - dental damage, the travel insurance covers reasonable and necessary costs of

a) medically prescribed treatment by publicly registered physiotherapist, chiropractor or other non-medical professional,
b) urgent and acute dental treatment.

4.2 Limitation
Cover under section 4.1 is limited to a maximum of 15 treatments for Super cover and 5 treatments for Standard cover.

4.3 The travel insurance does not cover
The travel insurance does not cover the costs of

a) treatment after your return to Denmark,
b) continued treatment or stay after the time when you fail to let yourself be taken home when Gouda’s physician has decided that repatriation will take place,
c) treatment or stay if Gouda’s physician has decided that treatment can await your return to Denmark,
d) dental treatment if you have not observed normal dental care with at least one annual check-up and any necessary treatment,
e) compensation for, repair or replacement of dentures.

5.1 CRISIS HELP AT THE DESTINATION

COVER	SUPER	STANDARD
Insurance amount	Unlimited	DKK 1.000.000

5.1.1 Costs covered by the travel insurance

The travel insurance covers your costs in connection with crisis help at the place of accident if you have been the victim of
a) a major accident,
b) a serious traumatic event involving several people,
c) a natural disaster,
d) an act of terrorism, war or warlike condition,
e) a hostage taking.

It is a condition for insurance cover that Gouda’s physician or psychologist find that crisis help is necessary.

5.2 TELEPHONIC CRISIS HELP FOR RELATIVES

COVER	SUPER	STANDARD
Insurance amount	Unlimited	Unlimited

5.2.1 Costs covered by the travel insurance
If you are entitled to crisis help under 5.1 Crisis help at the destination, the travel insurance will cover costs of telephonic crisis help for your relatives.

It is a condition for insurance cover that Gouda’s physician or psychologist find that crisis help to your relatives is necessary.

5.3 CRISIS HELP AFTER YOUR RETURN

COVER	SUPER	STANDARD
Insurance amount	DKK 10.000	DKK 5.000

5.3.1 Costs covered by the travel insurance
The travel insurance covers your costs of crisis psychological treatment after your return if you have been the victim of a

a) natural disaster,
b) an act of terrorism, war or warlike condition,
c) hostage taking
d) life-threatening epidemic

It is a condition for insurance cover that your own physician refers you to psychological treatment.

5.4 EVACUATION

COVER	SUPER	STANDARD
Costs of transport	DKK 50.000	DKK 50.000
Additional costs	DKK 15.000	DKK 7.500

5.4.1 Costs covered by the travel insurance
The travel insurance covers reasonable and necessary costs of transport, hotel accommodation, meals, clothes, and local transport in connection with evacuation to the nearest safe destination, or to Denmark. The travel insurance covers if

a) the Ministry of Foreign Affairs recommends evacuation or repatriation because of war or warlike conditions or imminent danger of war or warlike conditions in the country in which you are staying,

b) the Ministry of Foreign Affairs recommends evacuation or repatriation because of an act of terrorism or imminent danger of an act of terrorism,

c) the Ministry of Foreign Affairs or the local authorities recommend evacuation or repatriation because of natural disaster or imminent danger of natural disaster in the area in which you are staying,

d) Statens Serum Institut recommends evacuation or repatriation because of life-threatening epidemics in the area in which you are staying.

Gouda will use the recommendations issued by the Ministry of Foreign Affairs, Statens Serum Institut (SSI), and the local authorities when deciding if evacuation can be covered, and when evacuation is covered, where the nearest, safe destination is.

5.4.2 Limitation
Evacuation must be carried out at the first possible opportunity. If you do not wish to accept the offer of evacuation at such time, the cover will lapse.

5.4.3 The travel insurance does not cover
The travel insurance does not cover evacuation if the Ministry of Foreign Affairs, Statens Serum Institut (SSI) or local authorities have at the time of your entering an area recommended or carried out evacuation.

5.5 SEARCH AND RESCUE

COVER	SUPER	STANDARD
Insurance amount	DKK 100.000	DKK 50.000

5.5.1 Costs covered by the travel insurance
The travel insurance covers necessary costs of a search and/or rescue.
It is a condition for insurance cover that

a) the event was reported to the local police/the local authorities and that the search/rescue has been initiated by the above or by the Ministry of Foreign Affairs, and that

b) the Gouda alarm centre is contacted as soon as possible if search or rescue becomes necessary, and that the alarm centre approves the companies which will be in charge of the search and the extent thereof.

5.5.2 Limitations
a) Regardless of the number of insurance policies taken out and the number of insured people, the maximum compensation payable for one claim is limited to DKK 300,000.

b) It is a condition for insurance cover that the person searched for is insured with Gouda. If the search is for several people as a group, the search costs will be distributed equally among the number of people searched for.

c) It is not considered a search if the insured has not told his/her relatives where he/she is staying or travelling, and the family wants contact – regardless of the reason for the wish to contact the person in question.

d) All claims under this section are subject to a deductible amount of 10 % - however, at least DKK 2,500 per claim.

5.5.3 The travel insurance does not cover
The travel insurance does not cover

a) payment to organisations/authorities which normally work on a voluntary basis/free of charge with searches,
b) searches north of the 75th parallel or on the South Pole,
c) needs for a search caused by gross negligence on your part,
d) search for an insured person with existing mental condition which is assumed to be the reason why the insured is lost,
e) search for an insured who has a terminal diagnosis,
f) search for people who disappear while exercising or practising for professional sport or taking part in a scientific expedition,
g) costs of search/rescue in case of kidnapping or hi-jacking.

5.6 TERRORISM

COVER	SUPER	STANDARD
Insurance amount	Unlimited	DKK 50.000

5.6.1 Costs covered by the travel insurance
a) If you are subject directly to acts of terrorism leading to personal injury, the travel insurance will cover necessary additional costs of premature return/repatriation to Denmark, including return by air ambulance, if necessary. It is a condition for insurance cover that Gouda’s physician finds that repatriation is necessary and that the transport has been arranged according to agreement with Gouda.

b) If you are affected indirectly by terrorism because an act of terrorism takes place within a radius of 5 km from the place where you are staying in the form of bomb explosion, attack with chemical or biological weapons, hi-jacking of airplane or any other type of terrorism leading to personal injury for others than you yourself, the travel insurance will cover necessary additional costs of a premature return to Denmark. The travel insurance covers with up to half of the amount you have originally paid for your transport.

5.6.2 Limitations
It is a condition for the insurance cover that premature return home/repatriation will lead to arrival in Denmark more than 72 hours ahead of the original schedule.

5.6.2 The travel insurance does not cover
Repatriation initiated by the travel arranger or others, including public authorities, is not covered by the travel insurance.

5.7 HOSTAGE TAKING

COVER	SUPER	STANDARD
Costs of transport	Unlimited	DKK 50.000
Additional costs	DKK 15.000	DKK 10.000

5.7.1 Costs covered by the travel insurance
In cases where you have been held hostage, the travel insurance covers

a) necessary additional costs of repatriation to Denmark, including by air ambulance, if necessary. It is a condition for insurance cover that Gouda’s physician finds that repatriation is necessary and that the transport has been arranged according to agreement with Gouda.

b) additional costs of hotel accommodation, local transport and meals.

c) extension of the insurance period in cases where the insurance period expires while you are being held hostage. The extension becomes effective at the end of the current insurance period and will last until your arrival back in Denmark – however, no more than 14 days after you have been released.

5.7.2 The travel insurance does not cover
The travel insurance does not cover

a) costs of investigation of a hostage-taking,
b) costs of ransom,
c) any damage occurred as a consequence of events happening in areas with war, warlike conditions, riots or civil unrest.

5.8 RETENTION IN CONNECITON WITH WAR

COVER	SUPER	STANDARD
Insurance amount	DKK 50.000	DKK 25.000

5.8.1 Costs covered by the travel insurance
If you are retained by the authorities in a country as a consequence of war or risk of war, the travel insurance covers necessary additional costs of

a) accommodation and domestic transport,

b) meals by up to DKK 500 per 24 hours.

5.8.2 Limitations
Insurance cover lapses three months after you were first retained.

COVER	SUPER	STANDARD
Insurance amount	DKK 1.000.000	DKK 500.000

6.1 Costs covered by the travel insurance

The travel insurance covers permanent injury as a consequence of erroneous medical treatment in direct relation to an injury which is covered under cover 1 Illness or is included in the public travellers’ health insurance. The liability to pay compensation is determined according to §§ 20-23 of the Danish Complaints and Access to Compensation within the Health Sector Act, and the size of the compensation is determined according to the Danish legislation on payment of compensation.

7.1 DISABILITY

COVER SUPER  STANDARD   Insurance amount DKK 200.000 DKK 100.000

7.1.1 Costs covered by the travel insurance
a) The travel insurance pays compensation for permanent injury which is a direct consequence of an accident, if the accident has caused a permanent injury level of at least 15 %.
b) The compensation amounts to the percentage of the insurance amount corresponding to the permanent injury level.
c) If you are under 18 years old at the effective date of the insurance, the insurance amount is adjusted according to section

7.2.2.
d) The level of permanent injury is fixed on the basis of the permanent injury chart of the Danish National Board of Industrial Injury. The decision is made on the basis of the medical permanent injury level of the injury regardless of the profession of the insured.
e) The compensation is fixed as soon as possible - however no later than three years after the accident.
f) It is a condition for insurance cover that you are alive at the time of the payment of compensation.
g) You are entitled to request that the permanent injury level be fixed finally by the Danish National Board of Industrial Injuries. The costs involved in this are covered equally by the parties.

7.1.2 Limitations
a) The permanent injury level for the loss of several limbs together cannot exceed 100 %.
b) Existing permanent injury cannot cause the compensation to be higher than if such permanent injury did not exist.

7.1.3 The travel insurance does not cover
The travel insurance does not cover
a) an accident in case of no causality between the accident and the injury. Assessment is based on whether the incident is plausibel to cause permanent injury. The incident itself should be able to cause/explain the injury,
b) any illness including illness occuring as a result of infection with virus, bacteria, microorganism or the like,
c) injury or poisoning from food, beverages, stimulant including tobacco, alcohol and medicine,
d) an accident mainly caused by illness or any latent predisposition even though the illness has arisen by an accident. The policy neither provides cover for worsening of the consequences of an accident because of an already existing or accidental occuring illness,
e) consequences of erroneous medical treatment or other treatment including treatment with medicine unless the treatment was necessary in relation to an accident covered by the policy,
f) injury as a result of the insured participating in a fight/scuffle or the like or the insured participating in criminal activities,
g) injury due to bodily degeneration that cannot be defined as a sudden incident,
h) permanent disability as a result of psychological consequences of an incident in case the insured hasn´t been exposed to risk of personal injury,
i) incident as a consequence of childbirth,
j) expenses for dental treatment – please see section 7.3.


7.2 DEATH

COVER	SUPER	STANDARD
Insurance amount	DKK 50.000	DKK 35.000

7.2.1 Costs covered by the travel insurance
The travel insurance pays the insurance amount if you die during your trip as a direct consequence of an accident.

7.2.2 Limitations
If you are under 18 years old at the effective date of the insurance, the insurance amount for death is reduced to DKK 25,000. Excess amounts according to the table under 7.2 are transferred to the accident sum in 7.1.

7.2.3 Which people will receive the insurance amount
Unless otherwise agreed with Gouda in writing, compensation for death will be paid in the following order of priority, so that a lower-ranking person will only be considered if the preceding person does not exist/is not alive: Spouse, children, co-habiting partner or the heirs of the insured.

7.2.4 The travel insurance does not cover
Exceptions mentioned in section 7.1.3 also applies in relation to death as a consequence of an accident.

7.3 DENTAL INJURY

COVER	SUPER	STANDARD
Insurance amount	DKK 6.000	DKK 2.500

7.3.1 Costs covered by the travel insurance
Dental damage as a direct consequence of an accident is covered to the extent that treatment is not covered by other parties. It is a condition for covering dental damage that the treatment has been approved in advance by Gouda and is initiated as soon as possible after the accident.

7.3.2 The travel insurance does not cover
The travel insurance does not cover

a) chewing damage regardless of the reason for the damage,
b) costs of dental treatment carried out more than three years after the accident,
c) damage to removable dentures.

7.4 ASSAULT

COVER	SUPER	STANDARD
Insurance amount	DKK 200.000	DKK 100.000

7.4.1 Costs covered by the travel insurance
a) If you are during the trip subject to a deliberate assault causing injury, the travel insurance covers the amount a tortfeasor would be sentenced to pay according to the Danish legislation on compensation for assault under similar circumstances in Denmark.

b) It is a condition for insurance cover that you are alive at the time of the payment of compensation.

7.4.2 The travel insurance does not cover
The travel insurance does not cover

a) permanent injury or dental damage to the extent that such injury/damage is covered under 7.1 or 7.3 above,
b) assault committed by a fellow traveller, regardless whether such traveller is covered by a Gouda travel insurance or not,
c) in case you have without a reasonable cause exposed yourself to risk of assault,
d) assault in connection with a punishable offence committed by you,
e) damage to property.

7.5 GENERAL EXCEPTIONS REGARDING THE ACCIDENT COVER
a) For accidents which have occurred in connection with flying, compensation is only paid for accidents affecting you as a passenger in airplanes with nationality designation.
b) Injury in connection with all types of skiing (including snowboard and ski jumping) is not covered.

8 EXTENDED ACCIDENT INSURANCE (ADDITIONAL, OPTIONAL COVER)
If you have bought this type of cover, it will appear from your policy. The travel insurance pays compensation for permanent injury which is a direct consequence of an accident, if the accident has caused a permanent injury level of at least 5 %. Any claim is calculated in accordance with cover 7 Accident, and the insurance amounts are increased to a total of:

If you have bought this type of cover, it will appear from your policy. The travel insurance pays compensation for permanent injury which is a direct consequence of an accident, if the accident has caused a permanent injury level of at least 5 %. Any claim is calculated in accordance with cover 7 Accident, and the insurance amounts are increased to a total of:

DISABILITY (SECTION 7.1)

COVER	SUPER	STANDARD
Insurance amount	DKK 500.000	DKK 200.000

DEATH (SECTION 7.2)

COVER	SUPER	STANDARD
Insurance amount	DKK 250.000	DKK 100.000

DENTAL DAMAGE (SECTION 7.3)

COVER	SUPER	STANDARD
Insurance amount	Unlimited	DKK 5.000

ASSAULT (SECTION 7.4)

COVER	SUPER	STANDARD
Insurance amount	DKK 500.000	DKK 200.000

COVER	SUPER	STANDARD
Personal injury	DKK 10.000.000	DKK 5.000.000
Damage to property	DKK 5.000.000	DKK 2.000.000

The insurance amounts form the highest limit to Gouda’s duty to pay compensation after an individual insurance event, even though the liability is imposed on several people covered by one or more insurance policies taken out with Gouda.

9.1 Claims covered by the travel insurance
The travel insurance will cover if you are, according to the current legislation in the country in which the damage occurs, liable to pay for damage to people or property according to the general rules of civil liability. Furthermore, the travel insurance covers damage to rented holiday residence/hotel cf. section 9.2 c.

9.2 Costs covered by the travel insurance
The travel insurance covers
a) the amount you are requested to pay by the authorities in the country in question,
b) costs in connection with decision regarding the liability to pay compensation to the extent that such costs have been approved in advance by Gouda,
c) damage to rented holiday residence and/or hotel and furniture and fittings thereof, however, with a deductible of DKK 1,000 per insurance event. It is a condition that the damaged property was in your charge.

9.3 Limitation
You must never yourself acknowledge a liability to pay compensation or accept a claim for compensation. It must always be left to Gouda to make a decision in such cases. If not, you may risk having to pay compensation yourself, including for compensation for damage for which you cannot be held liable. Gouda must as soon as possible be informed about the event and will then make a decision about the further processing of the case.

9.4 The travel insurance does not cover
The travel insurance does not cover your liability to pay compensation

a) occurred in work or business relations,
b) for damage to or loss of own property,
c) for damage caused by the fact that you have through agreement or otherwise taken on additional responsibility than the responsibility according to the general rules on civil liability to pay compensation,
d) for damage to property you have borrowed, rented, are keeping, have at your disposal, for transport, processing or in any other way have in your possession - apart from the situations mentioned under section 9.2 c above,
e) for damage where you inflict a disease on others through infection or in any other way,
f) for damage caused by the use of motor vehicle, camper or trailer, aircraft or boat with a motor of more than 10 HK, or any boat which is more than 5 metres long,
g) for damage caused to family or fellow traveller,
h) for damage caused by animals,
i) for damage cause by the use of firearms.

COVER	SUPER	STANDARD
Insurance amount	DKK 100.000	DKK 75.000

10.1 Costs covered by the travel insurance
The travel insurance covers reasonable and necessary
a) costs of legal aid when a dispute arisen during the trip or at the destination requires legal assistance.
b) costs of legal aid in connection with a criminal trial. If you are convicted in a criminal case at the court of first instance, costs already covered are considered a loan to be repaid to Gouda on demand. Interest will be payable on the loan at the official rate of interest of the Danish Central Bank plus 4 %,
c) costs of travelling because you are called as a witness or for examination at a court abroad. Such costs are only covered if you have purchased Super cover,
d) costs of guarantees necessary for the release of you or your property from retention by foreign authorities. The guarantee is considered an interest-free loan to be repaid to Gouda after release or on demand.

10.2 It is a condition for insurance cover
It is a condition for insurance cover
a) that the matter causing the dispute or the criminal trial has occurred during the insurance period and relates to matters occurred during the trip,
b) that you personally are directly involved in the dispute or the criminal trial,
c) that the dispute cannot be settled administratively or by bringing the matter before a tribunal, complaints board, or similar body.

10.3 Deductible
a) For any claim under section 10.1 a and c, a deductible is calculated at 10 % of the total costs covered – however always at least DKK 2,500.
b) For any claim under section 10.1 b, a deductible is calculated at 20 % of the total costs covered – however always at least DKK 5,000.

10.4 The travel insurance does not cover
The travel insurance does not cover
a) costs which were not paid for a reasonable cause, for example because you are not seen to have a reasonable cause to initiate the case or because the expenses are not reasonable in relation to the object of the case,
b) disputes between you and the travel agency / arranger / intermediate, the airline or one or more of your fellow travellers,
c) disputes between you and Gouda,
d) disputes in connection with contractual relations, business relations or working relations,
e) disputes in connection with family affairs, social affairs, pension issues or succession rights.
f) costs in connection with traffic violations where motorised means of transport was used by you,
g) actual damages or claims similar to penalties.

COVER	SUPER	STANDARD
Insurance amount	DKK 25.000	DKK 15.000

11.1 The costs covered by the travel insurance
The travel insurance covers reasonable and necessary additional transport costs – maximum economy class – for you and one fellow traveller, if you

a) are called back to Denmark because of serious, acute illness/injury leading to hospitalisation or death of your spouse or co-habiting partner, children, step-children, foster-children, parents, step-parents, foster parents, grandparents, sisters/brothers, step-sisters/-brothers, parents/children in law and brothers/sisters in law,
b) are informed about material damage because of fire, flooding or theft in your private residence in Denmark or your own business, or in case of wildcat strike or fraud in your own business, where the event requires your personal and immediate presence.
c) If at the time of the calling home there is more than 31 days left of the travel and insurance period, return journey to the starting point for the calling home is covered. Return journey must be made no later than 90 days after your return to Denmark.

11.2 Limitations
a) It is a condition for Gouda’s liability to pay compensation that the calling home has been agreed with Gouda.
b) The travel insurance only allows one calling home per insurance period for the person causing the recall to Denmark.

11.3 The travel insurance does not cover
The travel insurance does not cover
a) recall to Denmark which will lead to a time of arrival home less than 12 hours before the originally planned arrival,
b) in cases where the family member causing the recall to Denmark is making the same trip and has been repatriated under cover 2 Repatriation.

COVER	SUPER	STANDARD
Number of people	2	1

SENDING FOR

12.1 Claims covered by the travel insurance
The travel insurance covers if you

a) are affected by acute disease or injury covered by the public travel health insurance or cover 1 Illness, which is by the treating physician and Gouda's physician expected to lead to hospitalisation for at least 48 hours after the arrival at the place of treatment of the person sent for,

b) are affected by acute life-threatening disease/injury covered by the public travellers’ health insurance or cover 1 Illness.

12.2 Costs covered by the travel insurance
The travel insurance covers the costs incurred by the person sent for of

a) transport from and back to the residence in Denmark - maximum economy class,

b) transport if the insured has to be moved to a different place of treatment or repatriated – maximum the same transport class as the insured. See however section 12.6 a,

c) purchase of a Gouda travel insurance of the same type as that of the insured for the duration of the accompaniment. It is a condition that the person sent for meets the criteria for being able to buy a Gouda travel insurance,

d) accommodation at the hospital or a hotel, at a maximum per person per day of:

COVER	SUPER	STANDARD
Insurance amount	DKK 1.500	DKK 750

e) documented costs of meals and local transport at a maximum per person per day of:

COVER	SUPER	STANDARD
Insurance amount	DKK 250	DKK 150

12.3 The travel insurance does not cover
The travel insurance does not cover
a) calling in if the insured is to be repatriated within 48 hours of the arrival of the person sent for at the place of treatment.
b) expenses regarding calling in arranged without Gouda´s participation that Gouda wouldn´t have had if they had arranged the calling in.

ACCOMPANYING A SICK PERSON
12.4 Claims covered by the travel insurance

The travel insurance covers if you
a) are affected by acute disease or injury covered by the public travel health insurance or cover 1 Illness, which is by the treating physician and Gouda's physician expected to lead to hospitalisation for at least 48 hours,
b) are affected by acute life-threatening disease/injury covered by the public travellers’ health insurance or cover 1 Illness.
c) are to be repatriated because of illness, injury or death.

12.5 Costs covered by the travel insurance
The travel insurance covers the necessary additional costs of the person accompanying the sick person of

a) transport – maximum the same transport class as the insured – in cases where you are to be transported to suitable place of treatment or to be repatriated. See however section 12.6 a,

b) transport to the residence or for obtaining fixed itinerary - maximum economy class - when the accompaniment is completed at your discharge from hospital at the destination. In case of repatriation the accompaniment is completed at arrival at your residence/hospital in Denmark,

c) extension of the existing travel insurance with Gouda or purchase of a Gouda travel insurance of the same type as the injured person for the duration of the accompaniment. It is a condition that the accompanying person meets the criteria for being able to buy a Gouda travel insurance,

d) accommodation at the hospital or a hotel, at a maximum per person per day of:
 

COVER	SUPER	STANDARD
Insurance amount	1.500 kr.	750 kr.

e) documented costs of meals and local transport at a maximum per person per day of:

COVER	SUPER	STANDARD
Insurance amount	DKK 250	DKK 150

12.6 Limitations
a) If you are repatriated at a higher transport class than economy class, the travel insurance covers a maximum of one called in/accompanying person on the same transport class. If the insured is repatriated with medical accompaniment (physician or nurse), including air ambulance, a called in person/accompanying person cannot request transport on the same transport class as you.

b) Costs of accommodation for called in persons and/or accompanying persons are not covered beyond a maximum period as stated below:

COVER	SUPER	STANDARD
Period	Unlimited	3 weeks

c) Cover of accommodation and meals for persons called in and accompanying person ceases when the accompaniment is completed at discharge from hospital at the destination. In case of repatriation the accompaniment is completed at arrival at the residence/hospital in Denmark.

COVER	SUPER	STANDARD
Insurance amount	Unlimited	DKK 5.000
Period	The entire journey	Only first departure from DK

13.1 Claims covered by the travel insurance
In cases where you are to catch up with the planned itinerary because you
a) without responsibility on your part and without having been able to foresee and remedy the problem, arrive late to a public means of transport or a means of transport arranged by the travel agent or
b) are subject to an insurance event covered under cover 14 Travel documents, so that you have to repurchase air tickets, passport or visa.

13.2 Costs covered by the travel insurance
The travel insurance covers reasonable and necessary additional costs of
a) transport in order to catch up with the planned itinerary – maximum the same class as the original journey,
b) hotel accommodation – maximum DKK 1,000 per day,
c) meals and local transport – maximum DKK 250 per day.

13.3 Separate condition
It is a condition for insurance cover that the ticket/tickets were booked and paid for 24 hours before departure.

13.4 The travel insurance does not cover
The travel insurance does not cover
a) delayed arrival in connection with change of plane where the official minimum connecting time was not included,
b) late arrival for the outward journey up to 24 hours after departure if the travel insurance was not bought until on the date of departure.

COVER	SUPER	STANDARD
Insurance amount	DKK 2.500	DKK 1.500

14.1 Claims covered by the travel insurance
The travel insurance covers all types of theft and damage to tickets, passport, visa, debit card, visa/debit card and driver’s licence.

14.2 Costs covered by the travel insurance
The travel insurance covers your additional costs of

a) repurchase of tickets, passport, visa, debit card, visa/debit card and driver’s licence,
b) necessary transport, charges and photo.

14.3 The travel insurance does not cover
The travel insurance does not cover

a) forgotten, lost or mislaid objects,
b) theft of travel documents which have been left unattended or are not supervised efficiently,
c) loss in connection with abuse of credit card,
d) time spent re-acquiring the objects.

If it is stated in the policy that you have deselected this cover against a reduction in the premium, no cover is granted under section 15.

COVER	SUPER	STANDARD
Insurance amount	DKK 6.000	DKK 4.000

15.1 Claims covered by the travel insurance
The travel insurance covers

a) financial loss arisen as a consequence of any type of theft and damage to your personal property,
b) checked-in baggage which is lost,
c) deductible and loss of bonus in connection with a covered claim which is also covered by the house contents insurance, with the following maximum amounts:

COVER	SUPER	STANDARD
Insurance amount	DKK 3.000	DKK 2.000

15.2 Limitations – apply for all coverage under section 15.1

a) A single object with accessories (for example camera with equipment) is covered with a maximum of 50 % of the insurance amount under section 15, regardless whether additional cover has been taken out with Gouda for the object in question.

b) Cash, traveller’s cheques, securities and similar valuables are only covered in case of theft and only when you carry the objects on you or keep them in a safety box in your room or in reception. The compensation is a maximum of:

COVER	SUPER	STANDARD
Insurance amount	DKK 1.000	DKK 500

c) Mobile phones including accessories and SIM card are covered by a maximum of DKK 500. This apply regardless the mobile phone contains other functions such as MP3 player or camera.

d) PC equipment, PDA and GPS equipment, portable music players, including mp3 players, CDs, DVDs, MiniDiscs and similar equipment will be covered by a maximum amount corresponding to the table under 15.2 b.

e) In case of theft from locked motor vehicle, boat, camper or caravan, the cover is limited to 50 % of the current insurance amount.

f) In case of theft/loss of bags, suitcases, backpacks and the like, an individual object of this kind inclusive of contents will be covered by a maximum amount corresponding to the amount stated in section 15, regardless that the loss is distributed among several insured people and/or covered by several policies.

g) During air, bus or train transport, PC equipment, PDA, GPS equipment, jewellery, watches, glasses, sunglasses, diving computers, photo equipment, video equipment, and audio equipment, including portable music players, are only covered if carried as hand baggage.

15.3 The travel insurance does not cover
The travel insurance does not cover

a) tickets, passport, visa, debit card, visa/debit card and credit cards. See section 14 Travel documents,

b) forgotten, lost or mislaid objects,

c) TV sets, prostheses, boats, all kind of surfing equipment and means of transport, including bicycles, and accessories for such objects,

d) theft of baggage not under proper surveillance,

e) theft from locked holiday residence, hotel room, etc., where there are no visible signs of forced entry,

f) theft of, damage to or disappearance of objects used commercially,

g) theft from unlocked holiday residence, car, plane, bus, boat, camper, caravan, or from a deserted tent,

h) loss of or damage to baggage being transported by a separate means of transportation independently of your journey,

i) damage to baggage due to poor packing and general wear, scratches, dents, etc. to suitcases or bags if the utility value is not materially decreased.

j) indirect loss, including loss because of abuse of traveller’s cheques, payment cards, mobile phones, etc.

15.4 Calculation of the compensation
a) Objects which can be proved (receipt, warranty certificate, etc.) to be less than two years old are covered at the price of similar new objects.

b) Objects whose age and purchase price can be documented (receipt, warranty certificate, etc.) and which are more than two years old, are covered at the amount it would cost to repurchase the object after deduction for age, use, fashion, reduced utility and other circumstances.

c) For objects whose age and purchase price cannot be documented (receipt, warranty certificate, etc.), Gouda is entitled to fix the compensation according to assessment.

d) Gouda is entitled to replace the object in kind, but is not obliged to do so.

e) Gouda is entitled to have damaged objects repaired or pay an amount to the insured corresponding to the cost of having the object repaired.

f) For loss of tape recordings (including video films), films, memory cards, manuscripts, drawings and the like, only the value of the raw material is covered.

15.5 Special condition
Baggage lost in the care of the transport company will only be considered lost 30 days after the loss has been reported to the transport company, at the earliest.

15.6 BAGGAGE DELAY

COVER	SUPER	STANDARD
Insurance amount	DKK 2.000 however maximum DKK 500 /24 hours	DKK 1.200 however maximum 400 DKK/24 hours

15.7 Costs covered by the travel insurance
The travel insurance covers reasonable, necessary and documented additional costs of replacement purchases or replacement rental corresponding to the lost item if your checked-in baggage is delayed by more than five hours in relation to your arrival at a destination outside Denmark.

15.8 Special condition
If you have a house contents insurance covering theft/loss of personal property during travels abroad during the insurance period stated in your policy, the sums under 15.6 shall be doubled.

15.9 Limitation
The compensation cannot exceed the amounts in section 15.6 per delayed baggage item.

15.10 The travel insurance does not cover
The travel insurance does not cover replacement purchases and/or rental made after the
baggage has arrived at the destination.

Cover	Super	Standard
Insurance amount	DKK 2.500 however maximum DKK 500/24 hours	Not covered

16.1 When does the policy provides cover
In case your home journey to Denmark with public transport is delayed more than 5 hours, the policy provides cover. The delay is calculated in relation to the scheduled time of arrival according to the itinerary issued by the travel agent. Schedule changes have to be announced prior to commencement of the journey. Documentation from the airline company including duration and cause for the delay are to be forwarded.

It is a condition for coverage that the delay is due to climatic circumstances or mechanical errors and that it affects your means of transportation. Furthermore it is a condition that you are not entitled to compensation from elsewhere.

16.2 Costs covered by the travel insurance
The policy covers
a) reasonable and necessary extra expenses for accommodation and meals with DKK 500 per day – maximum DKK 2,500.
b) if necessary, extension of the policy due to a extension of the journey as a result of a delay covered under delayed return journey.

16.3 The policy does not cover
The policy does not provide cover for delays as a result of flights to or from the Faroe Island or Greenland and domestic flights within Greenland.

17 THE TRAVEL INSURANCE IS FURTHERMORE COVERED BY THE LEGISLATION ON INSURANCE AGREEMENTS
The terms and exceptions stated in the following apply to this travel insurance in its entirety – section 1-16.

18 CONDITIONS FOR INSURANCE COVER
a) You must not have reached the age of 35 at the start of the insurance period.

b) You must at the start of the insurance period be entitled to services under the Danish Health Act, including the public travellers' health insurance. Travel insurance can also be bought although you are temporarily deregistered from the national registration office because of the duration of the trip.

c) The travel insurance must be bought and paid for before your departure from Denmark.

d) If you are a resident of Greenland, the Faeroe Islands or Iceland, and if you are travelling within EU/EEA, the travel insurance must be bought with supplement for work and study. Furthermore, a special supplementary premium must be paid regardless of the destination. Both supplements must appear from the policy.

19 SCOPE OF COVER

a) The travel insurance covers only the geographical area stated in the policy.

b) The travel insurance can be taken out for a maximum insurance period of 18 months after the first day of departure from Denmark. For stays of longer duration, please contact Gouda.

c) Compensation is paid for events arising during the insurance period. If your arrival home is delayed without responsibility on your part, the insurance period is extended without payment of additional premium for up to 14 days.

20 GENERAL EXCEPTIONS
The travel insurance does not cover

a) claims based on skiing if the aim of more than 25 % of the duration of the trip is skiing. Any claims due to skiing are excluded from cover 7 Accident. Please see section 7.5 b.

b) claims caused by you though deliberate or gross negligence or under the influence of narcotics, medicine or other euphoriants,

c) self-inflicted intoxication. This however does not apply section 1 Illness, 2 Repatriation, 3 Help at the destination – 24-hour medical help, 4 Dental treatment and physiotherapy, etc., 6 Erroneous medical treatment, 9 Personal liability, 10 Legal aid abroad and 12 Sending for & accompanying.

d) claims arisen in connection with your participation in scientific expeditions, under the exercise of or training for professional sport,

e) indirect loss,

f) pilots and co-pilots during flights,

g) claims arising as a direct or indirect consequence of: strike, lockout, arrest, seizure or other types of intervention by a public authority. See, however, section 10.1 d and 11.1 b,

h) any expense after returning to Denmark. See, however, section 5.3 and 7.3,

i) damage caused directly or indirectly by war or warlike acts, riot or civil unrest. The travel insurance will, however, cover such claims until the first opportunity of evacuation, unless evacuation had already at the time when the insured entered the area in question been recommended or carried out because of the current unrest,

j) active participation in war, riots, etc.,

k) claims caused directly or indirectly as a consequence of release of nuclear energy or radioactive forces or radiation from radioactive fuel or waste,

l) any type of force majeure.

21 INSURANCE AMOUNT
Unless otherwise specifically stated, the insurance sums indicated for the individual cover and partial cover form the maximum limits to Gouda’s liability to pay compensation for any damage occurring under the individual types of cover for the duration of the insurance policy.
The insurance amount is per person insured, unless otherwise stated for each individual type of cover.

22 INCORRECT INFORMATION
It is important that information, including health information, provided to Gouda is precise and correct. If information is withheld or wrong answers are given which may be important for Gouda’s assessment, the compensation may be reduced or lapse entirely.

23 DOUBLE INSURANCE
The travel insurance does not include claims for compensation covered by another insurance policy. The compensation for disability and death under the types of cover 7 Accident and 8 Extended accident is not limited by the purchase of another insurance. When making a claim, you must always state whether you have an insurance with another company, or whether you have a credit card. (The stipulation is used when the case is settled before a Danish court.)

23A Insurance in other companies
If, at the time the loss or damage insured by this certificate shall occur, there is any other insurance against such loss or damage or any part thereof, the underwriter shall be liable under this certificate for its proportionate share of loss or damage only. (The stipulation is used when the case is settled before a foreign court.)

24 ASSIGNMENT OF CLAIM FOR COMPENSATION
You cannot without Gouda's acceptance pledge or assign your rights under the travel insurance.
24a You cannot, without consent from Gouda, pledge or assign your rights according to the travel insurance. (The stipulation is used when the case is settled before a foreign court.)

25 SUBROGATION
In case of payment under the present travel insurance, Gouda shall be completely subrogated to the rights of the insured in this respect. (The stipulation is used when the case is settled before a Danish court.)

25A Rights of subrogation
The underwriter shall be fully and completely subrogated to the rights of the Insured against parties who may be liable to provide an indemnity or make a contribution with respect to any matter which is the subject of a claim under this certificate. The underwriter may at his own expense take over the Insured’s rights against third parties to the extent of his payment made. The Insured shall cooperate with the underwriter and provide such information and documentation reasonably required by the underwriter in order to collect and enforce his rights of subrogation. The underwriter may institute any proceedings at his own expense against such third parties in the name of the Insured. (The stipulation is used when the case is settled before a foreign court.)

26 COOLING-OFF CLAUSE
The following cooling-off clause applies to travel insurance with a term of more than one month:
a) Under § 34 in the Danish Insurance Agreements Act, you are entitled to a cooling-off period.

b) The cooling-off period is 14 days. The period starts on the day on which the insurance terms were handed over/forwarded to you - however, no earlier than at the time when you received information that the insurance agreement has been made. If for example you receive the insurance terms on Monday the 1st, you will have until and including Monday the 15th. If the period expires on a holiday, a Sunday, a Saturday or on 5th June, you will have until the following workday.

c) Before the end of the cooling-off period, you must inform Gouda that you regret the agreement. If this information is forwarded by mail, you must send the letter before the end of the period. If you want proof that you have regretted the agreement in time, you can send the letter by registered post and keep the certificate of posting.
Information that you regret the agreement shall be forwarded to:
Gouda Rejseforsikring A/S, Sejrøgade 7, 2100 Copenhagen Ø

27 EXTENSION AND REFUND OF THE TRAVEL INSURANCE
a) Gouda may, but is not obliged to extend a travel insurance. An extension must be made before the end of the insurance period, and the minimum premium for the extension is DKK 50.

b) If the travel insurance is terminated in writing before it expires, the difference between the premium which would have been payable for the shorter cover period and the premium paid will be paid after deduction of an administration fee of DKK 100 per policy. Amounts of DKK 100 and less will not be repaid. For persons who have been repatriated or have returned home on Gouda's account the refund will cover no more than the premium for the part of the insurance period starting more than 31 days after the arrival home. It is a requirement that the termination is forwarded to Gouda no later than 14 days after the arrival home.

c) If the travel insurance has not become effective and if Gouda receives the notice of termination before the effective date, the full premium less an administrative fee of DKK 100 will be refunded.

28 CLAIMS
a) You are obliged to obtain and provide the information necessary for Gouda to be able to decide if and to which extent the claim is covered. This will be for example original police reports, third party statements from for example travel conductor, hotel staff or other relevant people. See also section II – “What to do if…”.

b) Gouda’s physician is entitled to request information about your health and treatment from your own physician and from other physicians or hospitals who have treated you, and if necessary to discuss information given with such persons. Gouda guarantees full discretion in connection with such information.

c) Gouda is entitled to demand that you subject yourself to an examination (including collection of blood sample) by Gouda's physician or a physician designated by Gouda. In case of death, Gouda is entitled to demand an autopsy. In that case Gouda will cover all costs of the above. If, in spite of Gouda's request, no autopsy is carried out, the right to compensation may lapse.

d) You are obliged to forward original documentation for costs or damage for which compensation is requested, including original purchase receipts, warranty certificates, police report, report from the transport company, etc.

e) Arrangements regarding transport may be limited in countries at war or the like. Gouda is not responsible for the extent to which transport is possible, but will in cases where help is necessary co-operate with the Ministry of Foreign Affairs.

f) Costs of transport not arranged by Gouda will be covered as a maximum with the costs Gouda would have incurred if arranging similar transport, however, as a maximum with an amount corresponding to the price of an airline ticket - maximum economy class. See however section 13.2 a.

g) Compensation is paid as soon as Gouda has received the information considered necessary in order to determine Gouda’s liability to pay compensation.

h) After each reported claim, the insured or Gouda shall be entitled to terminate the travel insurance with 14 days’ notice. This must be done in the period from the reporting of the claim and until 14 days after payment or rejection of the claim. Gouda does not repay the premium – wholly or in part – if the travel insurance is terminated by the insured according to the agreement after the effective date. If Gouda terminates the travel insurance, the premium will be repaid, cf. section 27 b.

29 APPEAL BOARD
If there is a disagreement between you and Gouda about the travel insurance, and if a new application to Gouda does not lead to a different result, you have a possibility of making a complaint to:

Ankenævnet for Forsikring
Anker Heegaardsgade 2
1572 Copenhagen V
33 15 89 00 on weekdays between 10.00 am and 1 pm

The complaint must be made on a special complaints form which can be obtained either from Gouda, Ankenævnet for Forsikring or Forsikringsoplysningen, Philip Heymans Alle 1, 2900 Hellerup, tlf. 41 91 91 91.

30 JURISDICTION
Legal action against Gouda must be initiated before the Copenhagen City Court or the Eastern Division of the High Court in Copenhagen.

31 DEFINITIONS
Here you can see what we mean by the different expressions such as “acute disease” and “accompanying person”. The definitions you will find here are the words in italics in the insurance terms.

Accident
This means bodily harm affecting the insured though a sudden, external event. In case of injury to the arms and legs of the insured, the reason for the injury need only be sudden and cause bodily harm which can be documented.

Acute disease
A new disease, a reasonable suspicion of a new, serious disease, or an unexpected worsening of an existing or chronic disease.

Additional costs
Costs incurred by the insured exclusively because of covered claims.

Aid
Object which may limit or remedy a physical condition or disability.

Assault
This means a personal injury which can be documented and has been inflicted through a deliberate, punishable act.

Chewing damage
Dental damage, including damage to prostheses, which occurs through eating or chewing.

Claim
A claim is an expression for a situation in which you want to make a claim towards Gouda.

Co-habiting partner
This means a person with whom the insured is living in a marriage-like relationship and who had the same national register address as the insured when the insurance was taken out.

Costs of accommodation
This means the total costs of hotel, meals and public transport and the like.

Dispute
This means a concrete and current conflict which may reasonably form the basis of a civil legal action.

Epidemic
This means a sudden outbreak of a large number of cases of the same, contagious disease in a country or an area.

Extended Europe
Means the countries in EU/EEA (see definition above) plus the following countries: Albania, Algeria, Bosnia-Herzegovina, Egypt, Gaza, Belarus, Israel, Jordan, Yugoslavia (Serbia and Montenegro), Croatia, Macedonia, Morocco, Moldova, the Lebanon, Libya, Palestine, Russia to the Ural mountains, Syria, Tunisia, Turkey, Ukraine and the West Bank.

Extra expenses
Expenses that the insured solely incurs as a result of an insurance event that is covered by the policy.

EU/EEA
Andorra, the Azores, Belgium, Bulgaria, Cyprus, Estonia, Finland, France, the Faeroe Islands, Gibraltar, Greece, Greenland, Isle of Man, Ireland, Iceland, Italy, the Canary Islands, the Channel Islands, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Monaco, the Netherlands, Norway, Poland, Portugal, Romania, San Marino, Switzerland, Slovakia, Slovenia, Spain, Great Britain, Sweden, the Czech Republic, Germany, Hungary, the Vatican State, and Austria.

Fellow traveller
This is one or more people who has/have bought the same journey as the insured and who is/are covered by a Gouda travel insurance.

Foster children
A foster child always has its registered address with you and you have been approved by the local authorities as the provider of the child.

Foster parents
People who are not your biological parents or step-parents, but who have been approved by the local authorities as your providers.

Gouda
Gouda Rejseforsikring (CVR-no. 18 21 45 71) is the Danish branch of Goudse Schadeverzekeringen N. V., Gouda, The Netherlands (reg. no. 29012404).

Home journey
Means a trip back to Denmark which you can make as a healthy person on economy class.

The insurance period
The insurance period appears from the policy. The insurance cover starts at the time when the insured leaves his residence or place of stay in Denmark to start the trip abroad, and stops when the insured returns to his/her residence, if these points in time are within the period which appears from the policy.

Month
Means calendar months, which may involve different numbers of days. For example 4th February to 3rd March (28 days) and 26th May to 25th June (31 days).

Necessary costs
This means costs which cannot reasonably be avoided. In cases where both local treatment and repatriation for further treatment in the home country are possible, the travel insurance will cover the solution which leads to the lowest costs for Gouda.

Physician
This means a qualified physician authorised by the authorities in the country of destination who is not the insured, a relative of the insured or travelling together with the insured.

Planned itinerary
Itinerary which can be documented by means of description from travel agency, air, train or bus tickets purchased or hotel accommodation booked.

Professional sport
This means the exercise of sport with contractual obligations towards club, sponsor, etc., where payment is received or prizes made available. You are considered a professional sportsman/sportswoman if you have during one of the last five years before the insurance period had an annual income of at least DKK 100,000.00 received as remuneration, sponsorship or prize money.

Prostheses
Artificial joints and limbs and artificial dentures and teeth.

Scientific expeditions
This means expeditions to areas where the local public authorities require separate permission to stay and where the insured receives payment for the expedition.

Step-brothers and -sisters
Means persons who are not the biological sisters or brothers of the insured, but with whom the insured is or has been living in a sibling-like relationship for a period of at least one year until the insured’s 21st year.

Step-children
This means children who are not the biological children of the insured, where the insured is married to or co-habiting with one of the child’s biological parents, with whom the insured has been living in a family-like relation for a minimum of one year.

Step-parents
Means people who are not the biological parents of the insured, but who are married to or co-habiting with one of the biological parents and with whom the insured has been living in a family-like relationship for at least one year, or who has been living with one of the insured’s biological parents for at least two years.

Terrorism
This means an organised act of violence or the threat of such act which by creating fear in the population tries to put pressure on the authorities to obtain religious or political goals.

Travel period
This means the number of days which the originally planned journey was to cover according to documentation.

V - CONTACT INFORMATION

Gouda Alarmcentral
Tlf.: (+45) 33 15 60 60
Fax: (+45) 33 15 60 61
E-mail: alarm@gouda.dk


GOUDA REJSEFORSIKRING

Gouda Rejseforsikring
Sejrøgade 7
2100 København Ø
Tlf.: (+45) 88 20 88 20
Fax: (+45) 88 20 88 21
E-mail: gouda@gouda.dk
www.gouda.dk

CVR-nr.: 18 21 45 71
Filial af:
Goudse Schadeverzekeringen N.V.
Gouda, Holland
Reg. nr. 12404