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B2F0E3

Flex Business Conditions (870)

A: General conditions

1.0Who is covered by the insurance?
The insurance will cover persons employed with the policyholder as well as executive owners and co-owners.

The insurance may be expanded to cover:
a)Executive officers and members of the board of directors, guests by written invitation, accompanying spouse/cohabitant and children.
b)Foreign branches and subsidiaries.
c)Other groups of persons as agreed with Gouda.

The extension must be stated on the front page of the policy.

When buying the insurance, Gouda issues a ”Gouda Travel Insurance Card” serving as an information card vis-à-vis third parties in connection with trips abroad. The card constitutes no independent legal relationship between the insured and Gouda.

1.1What trips are covered by the insurance?
Business trips that are made for the policyholder’s account and in the policyholder’s interest. By endorsement on the policy, the insurance may be extended to cover holiday trips for a holiday held in combination with a business trip.

Business trips with a duration of more than 180 days will not be covered by the insurance.

1.2Where does the insurance provide cover?
The insurance will provide cover in the geographical territory stated in the policy - the Nordicregion,Europe and Worldwide. Trips made in the countryofresidence will only be covered if this has been expressly stated on the front page of the policy.

The insurance will not provide cover between the insured’s place of residence and workplace.

1.3When does the insurance provide cover?
The insurance will provide cover from the time the insured leaves his or her place of residence or workplace in the insured’s countryofresidence to commence the business trip; however, never earlier than on commencement of the insurance contract. The insurance cover shall cease on the insured’s return to his or her place of residence or workplace in the insured’s countryofresidence; however, never beyond the termination of the insurance contract.
The cancellation insurance will provide cover from the time the trip is booked and shall cease when the insured leaves his or her place of residence or workplace to commence the trip. The trip must have been purchased during the policyperiod in order to be covered by the insurance.

1.4Insurance policy
The policy provides a summary of the insurance covers and the accompanying sums insured. A full overview of what the insurance covers, and by how much, may only be obtained by reading the present insurance conditions and comparing them with the policy. If insurance cover is not included in the policy, this means that the insurance cover is not included in the insurance, regardless of the content of the terms.

1.5Insurance conditions
Section A to D constitutes an integral part of the conditions, and all instructions in this section must be followed.

If expenses connected with an insurance event are not included in the insurance cover description (What expenses are covered by the insurance?), this means that the expenses will not be covered by the insurance.

1.6Sum insured
The sums insured and part sums stated in the insurance policy and in the insurance conditions for the individual insurance covers shall form the maximum limit for Gouda’s liability for compensation per claim for an insurance event covered by the insurance under the respective insurance covers.

1.7General exclusions
The insurance will not provide cover for an insurance event relating to, arising out of or occurring as a direct or indirect result of:
a) A wilful act or gross negligence.

b) Abuse of alcohol, narcotic drugs, medication and/or abuse of other non-prescription drugs.

c) Self-inflicted intoxication, and such intoxication is a material contributory cause of the event.

d) Participation in professional sports activities or training in relation thereof.

e) The insured’s participation in scientific expeditions.

f)Strike, lockout, arrest, seizure or any other measures by public authority; see, however, clause 21.1.a. The exception with regard to strike does not apply to cover under 14 Flight delay and 18 Late arrival.

g)Events arising directly or indirectly as a consequence of:
•Emission of atomic energy;
•Emission of radioactive powers; and
•Radiation from radioactive fuel or waste.

h)Employees near atomic plant while performing their duties.

i)War, war-like actions, riots or civil unrest after the time when the insured first time had a chance to be evacuated. Please see insurance cover 8.9 War risk.

j)Damage or loss that has occurred during aviation, unless the insured is carried as a passenger in nationality designated aircraft.

1.8Payment of premium
The first premium
shall fall due for payment on the commencement of the insurance, and subsequent premiums shall fall due on the stated due dates. Demands for payment will be sent to the stated billing address.

Insurance duty to the Danish State is calculated in accordance with the provisions in the Premium Tax Act and will be collected together with the premium.

Renewal premium is collected no later than two weeks before the due date stating the term of payment.

A reminder will be sent, at the earliest, 7 days after the due date if the term of payment in the renewal letter has terminated.

A last reminder will be sent, at the earliest, 14 days after the due date in the renewal letter has terminated. If the term of payment contained herein is not met, the insurance will be terminated. Thereafter, no cover will be provided under the insurance, and the insurance agreement will be deemed terminated.

It should be noted that the company is, in all circumstances, entitled to a premium for the period from the date of renewal to the date of termination of the insurance in accordance with the last reminder.

If Gouda has sent such a reminder, Gouda shall be entitled to charge a handling fee.

1.9Indexation
Indexation will be based on the consumer price index published by Statistics Denmark (Danmarks Statistik) for September of the previous year.

If publication of the consumer price index ceases or if the basis for its calculation is changed, Gouda shall be entitled to lay down new rules for the future indexation.

If indexation is made, premiums and sums will be adjusted as follows:

Premium
All premiums for the individual insurance covers will be indexed on the principal due date of the policy.

Sum insured
The following total sums insured will be indexed:
• Accident (however, not assault)
• Life assurance and illness-related disability
• Luggage

1.10Term and termination of the insurance
a) The insurance has been taken out for one-year terms and will automatically be renewed until it is terminated or amended in writing, at a minimum, by one month’s notice to the end of a policyperiod by the Policyholder or Gouda.

b) If Gouda’s premium rate or insurance conditions for insurance policies of the same type as the present insurance policy are changed, a corresponding change to the premium or the insurance conditions for the present insurance policy may be implemented with effect from the commencement of the next policy year.

c) If the Policyholder does not accept an increase in the premium or more rigorous insurance conditions, Gouda must be notified hereof within 14 days from receipt of Gouda’s notice of an increase in premium or an amendment to the insurance conditions, after which the insurance will terminate at the end of the current policy year.

d) After any claim form, both Gouda and the insured may terminate the present insurance at 14 days’ notice in the period from when the claim form was made and until 14 days after payment or rejection of the claim.

1.11The insurance contract and governing law
The insurance policy, the insurance conditions and the current Danish Insurance Contracts Act shall apply to the insurance to the extent to which the provisions of the Act have not been derogated from.
Any disputes arising out of the present insurance shall be settled in accordance with Danish law.

1.12Double insurance
The insurance will not cover expenses that are covered by another insurance policy.
Compensation under the insurance covers for Life assurance and Illness-related disability as well as Accident will, however, not be limited by any other established insurance.
(This provision shall apply if the case is decided in accordance with Danish law.)

Other insurance
If, at the time that 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 insurance for its proportionate share of loss or damage only. (This provision shall apply if the case is decided in accordance with foreign law.)

1.13Assignment of claims for compensation
No party may pledge or assign his rights under the insurance without the insurance company’s consent.

1.14Recovery
In the event of payments being made in pursuance of the present policy, Gouda shall be subrogated to all the insured’s rights hereunder. (This provision shall apply if the case is decided in accordance with Danish law.)

Rights of subrogation
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. Underwriter may at its own expense take over insured’s rights against third parties to the extent of its payments made. Insured shall co-operate with the underwriter and provide such information and documentation reasonably required by underwriter in order to collect and enforce its rights of subrogation. Underwriter may institute any proceedings at its own expense against such third parties in the name of the insured.
(This provision shall apply if the case is decided in accordance with foreign law.)

1.15Venue
Any legal action against Gouda shall be brought at Copenhagen City Court (Københavns byret) or at the Danish Eastern High Court (Østre Landsret).

B: Events covered by the insurance

In the event of acute need for help, please contact the Gouda Alarm Centre. The Alarm Centre is open 24 hours a day - 365 days a year:

Gouda Alarm Centre
Tel.: +45 33 15 60 60
Fax: +45 33 15 60 61
E-mail: alarm@gouda.dk  

Before you call the Gouda Alarm Centre, you should take a few minutes to ensure that you have all the relevant information at hand. This includes the policy number, your personal identification number, the name and telephone number of the place at which you are staying (physician, hospital, etc.), diagnosis, the name of your own physician as well as, if required, the address of your next-of-kin. This will enable us to help you more quickly.

Gouda
If you require advice or guidance before, during or after your business trip, please feel free to contact the Gouda Alarm Centre and obviously also Gouda:

Gouda Travel Insurance
Tel.: +45 88 88 81 40
Fax: +45 88 20 88 21
E-mail: erhverv@gouda.dk

Instructions are given below for how you are to act in an insurance event and what documentation you need to obtain and present in connection with a claim for compensation under the policy. We recommend that you keep a copy of the documentation to be sent to Gouda.

Cancellation insurance
Illness/injury of you or your family:
It is important that you or the person who is ill seek medical assistance. Seek medical assistance as soon as possible if the time of departure is imminent - a doctor on call or an emergency ward, if necessary.

Moreover, you must cancel the trip with the tour operator as soon as possible and give Gouda notice of such cancellation by a claim form and a doctor’s statement.

Other events for which the insurance provides cover
If you have to cancel for other reasons, it is important that you cancel the trip with the tour operator as soon as possible and send the claim form to Gouda.

Luggage
In the event of theft, robbery, etc., Gouda’s liability for compensation is subject to the condition that you immediately report the incident to the local police. If the loss or damage has occurred while the luggage was in the care of the transport company or airline, you must immediately report the loss or damage to the company in question and obtain documentation for the report in the form of a P.I.R. (Property Irregularity Report). If the loss or damage results in acute problems, you may contact the Gouda Alarm Centre.

In non-acute cases, the claim form must be sent to Gouda as soon as possible. Please enclose the original receipt for the report to the above authorities/companies with your claim form as well as original documentation of the value of the effects that have been stolen or damaged. You must state in your claim form whether you are the holder of a credit card, and, if so, you must state the card number.

Luggage that has been checked in shall be regarded as having been lost, at the earliest if it has not been recovered, within 30 days after your arrival at the destination.

Luggage delay
If your luggage is delayed, you must report the delay to the airline and ensure that you receive a written confirmation in the form of a P.I.R. (Property Irregularity Report). In addition, you must save receipts for the replacement purchases that you make at the destination and, if possible, obtain documentation of when you receive your luggage from the airline. Finally, you must submit a claim form to Gouda, together with the above original vouchers as well as the original plane tickets and luggage tags, once you have returned home.

Death
Contact the Gouda Alarm Centre as quickly as possible. The staff will make the necessary arrangements in consultation with the next-of-kin and the relevant authorities.

Search and rescue
If a search or rescue operation is necessary, the local authorities must be contacted first. The Gouda Alarm Centre must then be contacted as quickly as possible. The Gouda Alarm Centre will take the necessary steps – possibly in co-operation with the local public authorities.

Replacement
Contact the Gouda Alarm Centre as quickly as possible. Gouda’s liability for compensation is subject to the condition that you obtain an exact diagnosis from the treatingphysician and that you grant Gouda’sphysician access to all relevant case notes and medical records.

Evacuation
If you are in an area from which evacuation is necessary, you must contact the Gouda Alarm Centre, which will handle the evacuation – possibly in co-operation with public authorities. You are also welcome to contact the Gouda Alarm Centre if you are uncertain about whether an evacuation is necessary.

Flight delay
The following documents must be submitted as soon as possible: The claim form with attached confirmation of the delay from the airline, the original prepaid invoices and the original invoices for the costs paid.

Late arrival
As soon as you become aware that you will not be able to make the planned means of transportation, you must contact the Gouda Alarm Centre and provide information about where you have bought the ticket. The Gouda Alarm Centre will then, in co-operation with the travel agency/airline, advise you and help you find alternative transportation.

Delayed departure
If your return journey to the country of residence is more than five hours late, you must submit documentation for the delay from the transport company, including original documentation for your reasonable and necessary extraexpenses for accommodation and food.

Recall
Contact the Gouda Alarm Centre immediately for an assessment of whether compensation for recall will be paid under the circumstances in question. If so, the Gouda Alarm Centre will arrange extraordinary transport home. If, by agreement, you arrange the return journey yourself or if there have been other outlays that are covered by the insurance, please submit the claim form, together with relevant documents and vouchers as soon as possible.

Hospitalisation
Contact the Gouda Alarm Centre as quickly as possible and not later than 24 hours after your hospitalisation. The AlarmCentre can, for example, see to it that any necessary payment guarantee is put up vis-à-vis the hospital in which you are being treated.

Kidnapping
Contact the Gouda Alarm Centre as quickly as possible.

Medical treatment
If you have received treatment by a general practitioner (a physician), you can ask the general practitioner to send the invoice to Gouda.
You can also pay the general practitioner for the treatment yourself and subsequently submit your claim form and original vouchers to Gouda for reimbursement. If necessary, Gouda can put up a guarantee vis-à-vis the treatingphysician.
Regardless of the payment method, the claim form must be submitted as quickly as possible. Please remember always to obtain the necessary documentation for your illness in the form of a medical certificate with a diagnosis and information about any prescribed medicine, as well as original vouchers for payment of expenses for medical treatment and medicine. If the price of the treatment is expected to exceed DKK 5,000, you must contact the GoudaAlarmCentre.

Assault
Please notify Gouda promptly. Cover under the insurance is subject to the condition that the assault is reported to the local police as quickly as possible and that you obtain a medical certificate. You must submit your claim form to Gouda as soon as possible.

Personal liability
You have an obligation to provide Gouda with all details that can provide information about the case, including:

a) An exact description of the course of events.
b) The names and addresses of all persons involved.
c) Information about whether there may be other insurance policies that cover the same event.
d) Witness statements.
e) An itemised statement of the claim.

Remember that you must never admit any liability for damages!

Travel documents
You have an obligation to provide Gouda with all details about the case, and you are under an obligation to forward documents, including a police report or other proof that the damage or loss has been reported, original receipts, etc. Theft of objects must be reported to the nearest police authority. If this is not possible, the incident must be reported to the tour operator or to Gouda. If, in exceptional cases, the incident cannot be reported on site because of your imminent departure, this must be done as soon as possible after you have returned home.

Legal assistance abroad
If you require legal assistance, you must immediately contact Gouda.

Excess when renting motor vehicles
Please submit a police report or any other evidence to report the damage or loss, original receipts, statement of claim from the rental company’s insurance company and other information to clarify the matter.

Deposit/guarantee
If you are detained or your belongings are withheld and you need to pledge security in the form of a deposit or a guarantee in this connection, you must contact the Gouda Alarm Centre. Any security pledged in the form of a deposit/guarantee will typically be finally settled by repayment of the amount after you have returned home.

Damage to rented accommodation/hotel
You have an obligation to provide Gouda with all details that can provide information about the case, including:

a) An exact description of the course of events and photos of the damage, if any.
b) Information about whether there may be other insurance policies that cover the same
event.
c) An itemised statement of the claim.

Illness or accident
Contact the Gouda Alarm Centre as quickly as possible. Gouda’s liability for compensation is subject to the condition that you obtain an exact diagnosis from the treatingphysician and that you grant Gouda’sphysician access to all relevant case notes and medical records. If the price of the treatment is expected to exceed DKK 5,000, you must contact the Gouda Alarm Centre.

Summoning of persons and escort of patient
Contact the Gouda Alarm Centre as quickly as possible.

Emergency medical transport
Contact the Gouda Alarm Centre as quickly as possible in any situation in which emergency medical transport may be relevant. Gouda’s or the Gouda Alarm Centre’s physician will then decide, in consultation with the treatingphysician/hospital, whether emergency medical transport is to be arranged and, if so, when and how the transport is to take place.

C: Basic cover and extended covers

2. ILLNESS

2.0 Sum insured - unlimited

2.1 What expenses are covered by the insurance?
In the event of acuteillness or injury that has occurred during the policyperiod, the insurance will cover ordinary, reasonable and necessary expenses for:

a) Treatment by a physician during hospitalisation or as an outpatient.

b) Hospitalisation with room and board in accordance with standard rates for semi-private (two-bed room) hospital stay.

c) Hospitalisation in an intensive care unit if this has been prescribed by Gouda’s physician or agreed between the treating physician and Gouda’s physician.

d) Supply of screened blood if Gouda’s physician finds that the insured is staying in a risk area as well as observation on site of whether the insured receives the screened blood.

e) Medicine prescribed by a physician.

f) Treatment by a physiotherapist, a chiropractor or an acupuncturist by up to DKK 5,000.

g) Urgent and acute dental treatment (including treatment of mastication damage) by up to DKK 10,000.

h) Pregnancy complications or preterm birth up to eight weeks before the estimated due date as well as treatment of the prematurely born infant(s), including hospitalisation, hotel stay and meals in this connection.

i) Contact with the Gouda Alarm Centre.

j) Telephone calls, reading matter, etc. by up to DKK 500 per commenced week for hospitalisation that lasts for more than 24 hours. No documentation for these expenses is required.

The insurance will cover reasonable and necessary extra expenses for:

k) Hotel accommodation and meals prescribed by a doctor of up to DKK 2,000 per day, following approval by Gouda, if treatment that would otherwise require hospitalisation, may hereby be offered out of hospital.

l) Hotel accommodation and meals by up to DKK 2,000 per day after concluded treatment and until the return journey, repatriation or catching up of the scheduled travel itinerary can take place. Cover under the insurance is subject to the condition that the expenses are approved by Gouda.

ASSISTANCE ON SITE – 24-HOUR EMERGENCY SERVICE
You will have access to Gouda’s 24-hour Danish emergency service in case of both moderate and serious illness during the trip. You can receive advice and guidance about medical treatment, medicine prescribed by the treatingphysician as well as qualified physicians and dentists abroad. The insurance will not cover your expenses in connection with inquiries to Gouda’s 24-hour emergency service.

2.2 The insurance will not cover
The insurance will not cover expenses in connection with:

a) Treatment of chronic or existing illnesses that, within the past two months prior to the departure, have resulted in:
• Hospitalisation;
• Assessment/treatment by a physician which is not part of a check-up; or
• Changed medication.

b) Treatment of chronic or existing illnesses if the insured has:
• Not consulted a physician, or has refused or given up treatment of the illness, even though the insured should know or assume that the illness either required treatment or had deteriorated significantly;
• Been given up as a patient or has received a rejection of treatment;
• Been given an appointment for, referred for or been put on a waiting list for assessment/treatment;
• Failed to show up for agreed control visits in the past two months or has given up normal control visits because of previous failures to show up for appointments.

c) Treatment of illnesses that are or have been investigated and/or have been investigated prior to departure; also, if no diagnosis was made.

d) Control and treatment, including medicine, to keep a chronic or existing illness stable and well regulated.

e) A need for treatment that was known prior to the departure.

f) AIDS, preliminary stages of AIDS and any possible disease, illness or complication connected with these cases.

g) Induced abortion.

h) Treatment or stay after the insured has returned home to his or her country of residence.

i) Recreational stay or stay at a health resort.

j) Treatment and hospitalisation if Gouda’s physician has assessed that the treatment can wait until the insured has returned home to his or her country of residence.

k) Continued treatment and hospitalisation if the insured refuses to be transported home once Gouda’s physician has decided that the insured should be transported home.

l) Plastic surgery or cosmetic operations or treatment of opportunistic infections or complications connected with this, unless the operation is a direct result of an injury that has required hospital treatment within 24 hours of the occurrence of the injury.

m) Treatment resulting from the insured’s failure to follow the treatingphysician’s and/or Gouda’s physician’s instructions.

n) Replacement, change or repair of prostheses, glasses, contact lenses, hearing aids or other technicalaids.

2.3 Special condition for dental treatment
Gouda shall be entitled to reduce the compensation, or refuse to pay any compensation for expenses for dental treatment, if, based on a dentist’s assessment, the insured’s teeth are regarded as being in a significantly poorer state than in persons of the same age who attend regular dental control visits and receive treatment recommended in this connection.

3. EMERGENCY MEDICAL TRANSPORT AND REPATRIATION

3.0 Sum insured - unlimited

3.1 What expenses are covered by the insurance?
If the insured suffers acuteillness or injury covered by insurance cover 2 Illness, the insurance will cover reasonable and necessary:

a) Expenses for transport to the place of treatment, including air ambulance, if Gouda’sphysician finds that an air ambulance is necessary.

b) Expenses for transfer to the nearest suitable place of treatment if Gouda’s physician finds, following contact with the treating physician, that a transfer is necessary and safe.

c) Extra expenses for repatriation to the insured’s place of residence or a hospital in the country of residence. Gouda’s physician will assess, after having contacted the treating physician, whether repatriation is necessary and safe and, if so, the means of transportation that is to be used. Gouda will decide when the repatriation is to take place.

d) Expenses for travelling companions prescribed by Gouda’s physician.

e) Expenses up to DKK 5,000 to return luggage home which the insured has left abroad as a consequence of repatriation covered by the insurance. Cover under the insurance is subject to the condition that the insured has purchased cover 11 Luggage.

f) Expenses for repatriation in the event of death to an undertaker in the deceased’s country of residence, including expenses for statutory measures, such as embalming and a zinc coffin, or expenses for cremation and/or burial on site in accordance with the wishes of the next-of-kin. At a maximum, it shall be an amount corresponding to the expenses payable for repatriation of the deceased. Gouda may demand, however, that the deceased shall be transported home for the purposes of an autopsy, for example.

If, as a result of an insurance event that is covered by the insurance, the insured has been unable to follow the scheduled travel itinerary or return journey as planned and, if the insured has not been transported home, the insurance will cover reasonable and necessary extra expenses for:

g) Either catching up with the scheduled travel itinerary to the place the insured was supposed to be in accordance with the scheduled travel itinerary or a return journey to the insured’s country of residence.

3.2 Practical arrangement of repatriation and return journey
The Gouda Alarm Centre will handle the practical details in connection with repatriation or return journey that is covered by the insurance. If the insured makes his or her own arrangements for repatriation or return journey without contacting Gouda, the expenses for this will only be covered if Gouda’s physician regards the repatriation as necessary and safe and by maximum an amount that corresponds to the expenses that Gouda would have had in connection with a similar transport/journey.

3.3 The insurance will not cover
The insurance will not cover expenses in connection with:

a) Air ambulance if the insured can be transported by another means of transportation that is medically safe.

b) Repatriation resulting from the insured’s fear of a risk of infection.

4. MEDICAL MALPRACTICE

4.0 Sum insured - DKK 1,000,000

4.1 What expenses are covered by the insurance?
In connection with hospitalisation or outpatient treatment covered by insurance cover 2 Illness, the insurance will cover medical malpractice provided by an authorised physician during hospitalisation or outpatient treatment.

The liability for compensation shall be fixed in accordance with sections 20-23 of the Danish Act on the Right to Complain and Receive Compensation within the National Health Service, and the amount of compensation will be fixed in accordance with the Danish Liability for Damages Act.

5. SUMMONING OF PERSONS AND ESCORT OF PATIENT

5.0 Sum insured - unlimited
- Three persons of the insured’s choice

SUMMONING

5.1 What expenses are covered by the insurance?
The insurance will provide cover if the insured suffers:

a) Acute illness or injury covered by insurance cover 2 Illness, which the treating physician and Gouda’s physician expect will result in hospitalisation for a minimum of two days after the summoned person’s arrival at the place of treatment.

b) Acute, life-threatening illness/injury covered by insurance cover 2 Illness.

5.2 What expenses are covered by the insurance?
The insurance will cover the summoned person’s expenses for:

a) Transport from their place of residence and back – maximum in economy class.

b) Transport if the insured is to be transferred to another place of treatment or is to be transported home – at a maximum by the same transport class as the insured. See, however, clause 5.6 a.

c) Purchase of Gouda travel insurance for the duration of the period in which the summoned persons accompany the insured. This is subject to the condition that the summoned persons meet the criteria for taking out Gouda travel insurance.

d) Accommodation in a hospital or hotel at a maximum of DKK 1,000 per person per day.

e) Meals and local transport at a maximum of DKK 250 per person per day.

5.3 The insurance will not cover
Summoning of persons if the insured is to be transported home within two days from the date of arrival of the summoned persons to the place of treatment.

ESCORT OF PATIENT

5.4 What insurance events are covered by the insurance?
The insurance will provide cover if the insured:

a) Suffers an acute illness or injury covered by insurance cover 2 Illness, which the treating physician and Gouda’sphysician expect will result in hospitalisation for a minimum of two days.

b) Suffers an acute, life-threatening illness or injury covered by insurance cover 2 Illness.

c) Is to be transported home as a result of illness, injury or death.

5.5 What expenses are covered by the insurance?
The insurance will cover the escorting person’s necessary extra expenses for:

a) Transport – by maximum the same transport class as the insured – if the insured is to be transported to a suitable place of treatment or is to be transported home. See, however, clause 5.6 a.

b) Transport to the place of residence or to catch up with a scheduled travel itinerary – by a maximum of economy class – if the escort of the patient is concluded either upon the insured’s discharge from the hospital at the place of sojourn or upon the insured’s return to his or her place of residence or a hospital in the insured’s country of residence.

c) Extension of the existing travel insurance with Gouda or purchase of Gouda travel insurance for the duration of the period in which the summoned persons accompany the insured. This is subject to the condition that the individual escorting person meets the criteria for taking out Gouda travel insurance.

d) Accommodation in a hospital or hotel at a maximum of DKK 1,000 per person per day.

e) Meals and local transport at a maximum of DKK 250 per person per day.

SUMMONING OF PERSONS/ESCORT OF PATIENT

5.6 Limitations of cover
a) If the insured is transported home in a better transport class than economy class, the insurance will cover a maximum of one summoned person/escorting person in the same transport class. If the insured is transported home in the company of a person with medical training (a physician or a nurse), including an air ambulance, any summoned persons/escorting persons shall not be entitled to compensation for expenses for transport in the same transport class as the insured.

b) Cover of expenses for accommodation and meals for summoned persons and escorting persons will cease upon the insured’s discharge from the hospital at the place of sojourn or on the insured’s arrival home at his or her place of residence or a hospital in the insured’s country of residence.

6 RECALL - For personal or business reasons

6.0 Sum insured - unlimited

6.1 What insurance events are covered by the insurance?
The insurance will provide cover if the insured:

For personal reasons:

a) Is recalled to his or her country of residence due to death or hospitalisation as a result of a serious injury or sudden occurrence of serious illness in one of the following persons: spouse or cohabitant, children, stepchildren, foster children, parents, stepparents, foster parents, brothers and/or sisters, stepbrothers and/or stepsisters, grandchildren, grandparents, children-in-law, parents-in-law, sisters-in-law or brothers-in-law.

b) Is informed about serious and acute events in his or her country of residence such as fire or burglary in the insured’s private home, provided that such an event requires the insured’s personal and immediate presence.

For business reasons:

c) Is recalled to his or her country of residence due to death or sudden occurrence of serious illness/injury that requires hospitalisation among the insured’s close employees in the country of residence.

d) Is informed about serious and acute business events in his or her country of residence such as fire, a wildcat strike in the insured’s own business or fraudulent transactions committed by an employee in the company. This cover is subject to the condition that such an event requires the insured’s personal and immediate presence for financial reasons.

6.2 What expenses are covered by the insurance?
The insurance will cover reasonable and necessary extra expenses for:
a) Transport to the insured’s country of residence.

b) Return journey to the place at which the insured was staying at the time the insured was called home and subsequent return journey to the insured’s country of residence. The return journey must be made not later than 14 days after the insured was called home.

6.3 Special condition
Cover under the insurance is subject to the condition that the criteria in clause 6.1 are met at the time of the return journey, that prior agreement is entered into regarding expatriation with Gouda and that the event was unforeseeable/unexpected upon the insured’s departure from the country of residence.

6.4 The insurance will not cover
The insurance will not cover:
a) If the insured arrives in his or her country of residence less than 12 hours from the scheduled time of arrival in accordance with the original travel itinerary.

b) In those cases in which the person who causes the interruption of the trip has participated in the same trip as the insured and has been transported home.

6.5 Limitations of cover
The insurance will cover expenses for the same transport form/class as that chosen
by the insured on the interrupted business trip; however, at a maximum of business class.

7. REPLACEMENT

7.0 Sum insured - unlimited

7.1 What insurance events are covered by the insurance?
The insurance will provide cover if the insured:
a) Becomes incapacitated for work for a minimum of four consecutive days as a result of serious acute illness/injury or if the insured passes away. This cover is subject to the condition that the event is covered by insurance cover 2 Illness.
b) Is recalled in accordance with insurance cover 6 Recall.

7.2 What expenses are covered by the insurance?
The insurance will cover reasonable and necessary extra expenses for:

a) Recruitment of a replacement with up to DKK 25,000; however, not internal salaries.

b) Transport of a replacement to the place at which the insured is/was staying and subsequent return journey to the country of residence.

In case of insurance events mentioned under clause 7.1 a, the insurance will also cover reasonable extra expenses for:

c) The insured’s return journey to his or her country of residence. However, this cover is subject to the condition that the insured arrives home more than 48 hours ahead of the scheduled arrival home.

8. PERSONAL SAFETY

8.1 COUNSELLING ON SITE

8.1.0 Sum insured - unlimited

8.1.1 What expenses are covered by the insurance?
Expenses for counselling at the place of the accident if the insured is involved in:

a) A major accident.

b) A serious traumatic event that involves several persons.

c) A natural disaster.

d) An act of terrorism, war or war-like situation.

e) Hostage taking.

This cover is subject to the condition that Gouda's physician or psychologist finds that such counselling is necessary.

8.2 TELEPHONE COUNSELLING OF NEXT-OF-KIN

8.2.0 Sum insured - unlimited

8.2.1 What expenses are covered by the insurance?
If the insured is entitled to counselling in accordance with insurance cover 8.1 Counselling on site, the insurance will cover expenses for telephone counselling of the insured’s next-of-kin.

This cover is subject to the condition that Gouda’s physician or psychologist finds that such counselling of the insured’s next-of-kin is necessary.

8.3 COUNSELLING AFTER ARRIVAL HOME

8.3.0 Sum insured: DKK 10,000

8.3.1 What expenses are covered by the insurance?
The insurance will cover the insured’s expenses for counselling by a psychologist after the insured has arrived home if the insured has been involved in:

a) A natural disaster.

b) An act of terrorism, war or war-like situation.

c) Hostage taking.

d) A life-threatening epidemic.

This cover is subject to the condition that the insured’s own physician refers the insured to a psychologist for counselling.

8.4 EVACUATION

8.4.0 Sum insured: unlimited

8.4.1 What expenses are covered by the insurance?
The insurance will cover the necessary expenses for transport, hotel accommodation, meals, clothes, local transport, etc. in connection with evacuation to the nearest safe destination or to the insured’s country of residence in the event of the following:

a) The Ministry of Foreign Affairs recommends evacuation or return journey because of a current war or war-like conditions or because of an imminent risk of the outbreak of war or war-like conditions in the country in which the insured is staying.

b) The Ministry of Foreign Affairs recommends evacuation or return journey because of current acts of terrorism or an imminent risk of acts of terrorism.

c) The Ministry of Foreign Affairs or the local authorities recommend evacuation because of natural disasters or an imminent risk of natural disasters in the area in which the insured is staying.

d) The Danish State Serum Institute recommends evacuation or return journey because of life-threatening epidemics in the area in which the insured is staying.

The above public authorities’ recommendations will form the basis of Gouda’s decision about when the evacuation is covered by the insurance and about where the nearest safe destination is located.

8.4.2 Limitation of cover
The transport must take place at the earliest opportunity. If, at the time in question, the insured does not wish to accept the offer of evacuation, the cover shall lapse.

8.4.3 The insurance will not cover
If evacuation has already been recommended or implemented at the time of the insured’s arrival in the area in question.

8.5 SEARCH AND RESCUE

8.5.0 Sum insured: DKK 100,000

8.5.1 What expenses are covered by the insurance?
The insurance will cover the necessary expenses for search and rescue of the person who has been reported missing.
This cover is subject to the condition that:

a) The event has been reported to the local police/the local authority and that the search/rescue operation has been initiated by the local police/the local authority or by the Ministry of Foreign Affairs.

b) The Gouda Alarm Centre is contacted as quickly as possible once a search or rescue operation becomes necessary and that the Gouda Alarm Centre approves the companies that will handle the search and the extent hereof.

8.5.2 Limitation of cover
a) Regardless of the number of insurance policies taken out and the number of policyholders, the maximum compensation payable per insurance event shall be limited to DKK 300,000.

b) Cover will only be provided if the person who is missing is insured with Gouda. If a search is instituted for several persons as a group, the search expenses will subsequently be distributed evenly on the number of persons missing.

c) A person shall not be regarded as missing if the insured has failed to inform his or her next-of-kin about his or her whereabouts and the insured’s family wishes to establish contact with him or her, regardless of the reason for this.

d) All claims made under this clause shall carry an excess of 10%; however, at a minimum of DKK 2,500 per insurance event.

8.5.3 The insurance will not cover
a) Fees to organisations/public authorities that normally work on search assignments on a voluntary basis/free of charge.

b) A search north of the 75th parallel or on the South Pole.

c) A need for a search caused by the insured having shown gross negligence.

d) A search for policyholders with existing mental disorders, which are assumed to be the cause of their disappearance.

e) A search for policyholders for whom a terminal diagnosis has been made.

f) A search for persons who go missing during their performance of professional sport or while they are on a scientific expedition.

g) Search and rescue costs in the event of kidnapping or highjacking.

8.6 TERRORISM

8.6.0 Sum insured: unlimited

8.6.1 What expenses are covered by the insurance?
a) If the insured is a direct victim of terrorism and this results in personal injury, the insurance will cover the necessary extra expenses for premature return journey / repatriation to the insured’s country of residence, including, if necessary, by air ambulance. This cover is subject to the condition that Gouda’s physician finds that repatriation is necessary and that the transport is arranged in accordance with an agreement with Gouda.

b) If the insured is an indirect victim of terrorism as a result of an act of terrorism being committed within a radius of five kilometres from the insured’s place of sojourn in the form of a bomb blast, an attack with chemical or biological weapons, highjacking of an aeroplane or any other form of terrorism that results in personal injury to other persons than the insured himself/herself, the insurance will cover the necessary extra expenses for premature return journey. The insurance will cover up to half the amount that the insured has originally paid for the journey.

8.6.2 Limitations of cover
The cover provided under clause 8.6.1 b is subject to the condition that a premature return journey / repatriation results in the insured’s arrival in his or her country of residence more than 72 hours ahead of the insured’s originally scheduled arrival home.

8.6.3 The insurance will not cover
Any repatriation organised by the tour operator or other parties, including public authorities, will not be covered by the insurance.

8.7 HOSTAGE TAKING

8.7.0 Sum insured: unlimited

8.7.1 What expenses are covered by the insurance?
If the insured has been taken hostage, the insurance will cover:

a) Necessary extra expenses for repatriation of the insured to his or her country of residence (including, if necessary, by air ambulance), provided that Gouda’s physician finds that repatriation is necessary and that the transport has been arranged by agreement with Gouda.

b) Extra expenses; however, at a maximum of DKK 15,000, for hotel accommodation, local transport and meals.

c) Extension of the policy period if the policy period expires while the insured is being held hostage. The extension will enter into force on expiry of the current policy period and will remain in force until the insured has returned home to his or her country of residence; however, at a maximum of 14 days after the insured has been released.

8.7.2 The insurance will not cover
a) Expenses for investigation of a case of hostage taking.

b) Expenses for a ransom.

c) Any damage, injury or loss that has occurred as a result of events that take place in areas with war, war-like conditions, insurrection or civil unrest.

8.8 DETENTION IN CONNECTION WITH WAR OR RISK OF INFECTION

8.8.0 Sum insured: DKK 50,000

8.8.1 What expenses are covered by the insurance?
If the insured is detained by the public authorities in a country as a result of war or the risk of war, the insurance will cover:

a) Reasonable and necessary extra expenses for accommodation and domestic transport.

b) Necessary extra expenses for meals by up to DKK 500 per day.

8.8.2 Limitation of cover
This cover will cease three months after the insured is initially detained.

8.9 WAR RISK (applies to all insurance cover)

8.9.1 What expenses are covered by the insurance?
The insurance will cover reasonable and necessary expenses for insurance events that are covered by the present insurance and that have occurred directly or indirectly as a result of war, war-like acts, insurrection or civil unrest.

8.9.2 Limitations of cover
The cover will cease at the time at which there is a possibility of evacuation.

8.9.3 Special condition
Gouda may have limited possibilities to provide help and assistance in some cases because of the risk of war or war-like conditions in such areas.

8.9.4 Exclusion
If evacuation had already been recommended or performed due to current unrest at the time of the insured’s entry into the area in question, the insurance will not provide cover.

EXTENDED COVER A - ACCIDENT

9.ACCIDENT

9.0Sum insured - is stated in the policy

9.1Definition of an accident
A sudden event that causes personal injury.

9.2What covers are provided under the insurance?

A Disability

B Loss of capacity to work

C Death

DDental damage (subject to the condition that insurance cover for Disability is chosen)

EAssault

FRehabilitation and retraining

G.Convalescence

HTechnical changes

I Technical aids

ADisability
1)The insured shall be entitled to compensation for disability if an accident has resulted in permanent injury at a minimum of five percent. The degree of permanent injury will be fixed once the insured’s condition has become stationary, i.e., when the insured’s condition cannot be expected to change significantly; however, not later than three years after the occurrence of the accident.

2)The degree of permanent injury will be fixed in accordance with the degree of medical disability according to the Danish National Board of Industrial Injuries’ permanent injury rating list without the insured’s occupation being taken into consideration

3) The compensation for disability will amount to twice the percentage of the sum insured that corresponds to the degree of permanent injury. See, however, clause 9.3 a, e and f.

4) An existing disability cannot result in the degree of permanent injury being fixed at a higher percentage than if such disability had not existed.

5) The degree of permanent injury for loss of several body parts cannot exceed an overall percentage of 100%.

6)A disability that existed prior to the accident will not entitle the insured to any compensation.

7) The insured must be under continuous treatment by a physician and follow the physician’s instructions.

BLoss of capacity to work
If an accident has resulted in a permanent reduction in the insured’s ability to earn income from work once the insured’s condition has become stationary, the insured will be entitled to compensation for loss of capacity to work.
The loss of capacity to work will be stated in accordance with Section 5 of the Danish Liability for Damages Act and if the insured’s loss of capacity to work is a minimum of 15%, the insured will be entitled to compensation of 25% of the compensation for disability paid under the insurance cover for Disability.

CDeath
1)If an accident directly results in the insured’s death within three years from when the accident occurred, the sum insured for the death will be paid.

2)If compensation has been paid from Gouda under the insurance covers for Disability or Loss of capacity to work, compensation will be paid at the amount by which the sum insured in the event of death exceeds the amount of compensation that has already been paid.

DDental damage
1) The insurance will cover reasonable and necessary expenses for treatment of dental damage that is sustained as a result of an accident. This cover of dental damage is subject to the condition that the treatment has been approved in advance by Gouda.

2) In the event of dental damage that has been sustained abroad, the diagnosis and acute dental treatment must be commenced abroad. The final treatment may, if necessary, be provided in the insured’s country of residence.

3) This concerns one-off expenses – i.e., the insurance will not cover renewed treatment that can be related to the same dental damage.

4) The treatment must have been concluded within five years from when the dental damage was sustained.

5)Gouda shall be entitled to reduce the compensation, or refuse to pay any compensation, for expenses for dental treatment if, based on a dentist’s assessment, the insured’s teeth are regarded as being in a significantly poorer state than in persons of the same age who attend regular control visits and receive treatment recommended in connection with this.

6)Mastication damage will only be covered with up to DKK 10,000.

EAssault
If the insured is assaulted deliberately and this results in demonstrable personal injury, the insurance will cover compensation for:

•1 - Expenses for cure and treatment;
•2 - Loss of earnings;
•3 - Compensation for pain and suffering; and
•26 – Tort.

The person causing the injury will be ordered to pay to the injured party in accordance with Danish case law and legal practice in pursuance of the Danish Liability for Damages Act for an assault that takes place under similar circumstances in Denmark.

If the insured is assaulted by a person during the term of the insurance resulting in death, the insurance will cover reasonable expenses for funeral that the person causing the injury will be ordered to pay in accordance with Danish case law and legal practice in pursuance of the Danish Liability for Damages Act for an assault that takes place under similar circumstances in Denmark.

Cover under the insurance is subject to the condition that a police report is taken in connection with the assault.

FRehabilitation and retraining
If the insured’s permanent injury is set to a minimum of five percent, the insurance will cover reasonable and necessary expenses for rehabilitation of up to DKK 25,000. Rehabilitation must take place within the first year after the damage was sustained.

If the insured fails to be rehabilitated to perform his or her normal job, the insurance will cover reasonable and necessary expenses with up to DKK 25,000 instead with a view to retraining for another job.

G.Convalescence
If the insured’s permanent injury is set to a minimum of five percent and if the insured is absent owing to illness, the insurance will pay DKK 2,000 per month for up to 12 months for periods of illness exceeding one month.

HTechnical changes
If the insured’s permanent injury is set to a minimum of five percent, the insurance will cover reasonable and necessary expenses for technical changes of the insured’s private home, workplace and/or car with up to a total of DKK 25,000.
Cover is subject to the condition that the technical changes will result in a documented improvement of the insured’s condition or the insured’s chances of performing his or her normal job.

I Technical aids
If the insured’s permanent injury is set to a minimum of five percent, the insurance will cover reasonable and necessary extra expenses for a one-off purchase of technical aids of up to DKK 25,000.

9.3Limitations of cover
Under clause A - I the following limitations apply:

a) For a single insurance event, the total compensation payable under the insurance covers for Disability and Loss of capacity to work cannot exceed the sum insured.

b) For persons above 65 years of age, the insurance will provide cover under Disability by half the sums insured for the insurance covers.

c)For persons below 18 years of age, the sum insured in the event of death will be limited to DKK 25,000. The sum insured under Disability will automatically be increased by the amount by which the sum insured in the event of death has been reduced.

d) For persons above 75 years of age, the insurance will provide cover under Death by half the sum insured for the insurance covers.

e) For an insurance event that occurs during skiing (including snowboarding and ski jumping), other dangerous sports, including mountaineering, mountain climbing, skydiving, any kind of motor racing, paragliding and gliding, the following shall apply:
       1)Clause 9.2 A 3 shall not apply. The compensation for disability will solely amount to the percentage of the sum
       insured that corresponds to the degree of permanent injury.
       2) Regardless of the sum insured, the insurance will cover by a maximum 
       of DKK 500,000 under the insurance cover for Disability.

f)In the event of holiday trips in connection with a business trip or pure holiday trips, the compensation for disability will amount only to the percentage of the sum insured that corresponds to the degree of permanent injury.

g)Regardless of whether higher sums insured have been taken out on one or several policies with Gouda,Gouda’s liability for compensation per person can never exceed DKK 10 million under Disability and Loss of capacity to work and DKK 20 million under Death. Gouda's total liability per claim event cannot exceed DKK 200 million.

For an accident that has occurred during aviation, the following special limitation of cover shall apply:

h) The insurance will only cover an accident in which the insured is involved as a passenger on a nationality-registered aircraft.

9.4 The insurance will not cover
Under clauses A – I, the insurance will not provide cover if:

a)The insurance event has occurred as a result of illness and the triggering of a latent predisposition to illness even though the illness has occurred as a result of an accident. Nor will the insurance provide cover if the consequences of an accident have been aggravated by an existing or randomly intercurrent illness.

b)No causation can be demonstrated between the accident and the damage or injury. Upon assessment of the insurance event, it will be emphasised whether the event is likely to have caused injury. The event in itself must be able to cause/explain the damage or injury.

c)The cause of the insurance event is unknown.

d)Any illnesses are caused by infection by viruses, bacteria, microorganisms and similar situations.

e)Damage, injury and poisoning are from food, drink, stimulants, including tobacco and alcohol, and medication.

f)The event has occurred as the consequence of medical treatment or any other treatment, including medication, unless such treatment was necessary in connection with an event covered by the insurance.

g)Personal injury has been caused by the insured’s involvement in a fight/commotion or similar or the insured’s involvement in punishable acts.

h)Injuries on the body are a consequence of wearing-down or overstrain that will not be characterised as a sudden injury.

i)Permanent injury in the form of mental consequences have occurred after events where the insured has not personally been in danger of personal injury.

j)Injuries have occurred in connection with child delivery.

k)Expenses for funeral service have been incurred as a consequence of an assault if such expenses are borne under cover 2 Illness.

l)Damage to property is the consequence of an assault.

9.5Who will receive the compensation?
a) Compensation under Disability, Loss of capacity to work, Dental damage, Assault, Rehabilitation and retraining, Convalescence, Technical changes and Technical aids will be paid to the insured. The payment of compensation is subject to the condition that the insured is alive at the time at which payment of the compensation can be claimed.

b) If the insured passes away, the sum insured in the event of death will be paid to the closest next-of-kin unless Gouda has been otherwise informed. Payment to the closest next-of-kin shall mean to the insured’s spouse, or if there is no surviving spouse, to the insured’s children or, if there are no surviving children, to the insured’s cohabitant or, if there is no surviving cohabitant, to the insured’s beneficiaries.

9.6National Board of Industrial Injuries (Arbejdsskadestyrelsen)
The degree of permanent injury shall be finally fixed by the National Board of Industrial Injuries if the insured so demands. The costs for this will be divided equally between the insured and the insurance company.

If the National Board of Industrial Injuries fixes a degree of permanent injury that is higher than the percentage fixed by Gouda,Gouda shall pay the full fee to the National Board of Industrial Injuries.

EXTENDED COVER B - LIFE ASSURANCE AND ILLNESS-RELATED DISABILITY

10 LIFE ASSURANCE AND ILLNESS-RELATED DISABILITY

10.0 Sum insured - is stated in the policy

10.1 What covers are provided in Life assurance and Illness-related disability?
A Life assurance – Compensation in the event of death
B Disability in the event of illness
C Disability caused by tropical diseases or eye diseases

A Life assurance – Compensation in the event of death

1) If the insured passes away during the policyperiod, without the death being caused by an accident (a sudden event that causes personal injury), the sum insured fixed for the death will be paid.

In addition, the following special covers will apply to trips abroad and trips in the insured’s country of residence, respectively. Cover in the country of residence is subject to the condition that the policy is extended to cover in the country of residence.

2) Death after repatriation from abroad:
Compensation in the event of death will be paid under the insurance if the insured passes away within 14 days from when Gouda has transported the insured home from abroad. This cover is subject to the condition that the death is a direct cause of the illness or complications from the illness that resulted in the repatriation.

3) Cover under and in connection with trips in the insured’s country of residence:
If the insured is hospitalised acutely during a trip in his or her country of residence, compensation in the event of death will be paid under the insurance if the insured passes away as a direct result of the illness or complications from the illness that caused the admission for up to 14 days from when the insured was admitted.

B Illness-related disability

1) If an illness that has occurred during the trip has caused a permanent injury of a minimum of five percent, the insured will be entitled to compensation for disability under the insurance. The degree of permanent injury will be fixed when the insured’s condition has become stationary, which means that the insured’s condition is no longer expected to change significantly; however, not later than three years after the occurrence of the illness.

2) The degree of permanent injury will be fixed in accordance with the degree of medical disability without the insured’s occupation being taken into consideration.

3) The compensation for disability will amount to the percentage of the sum insured that corresponds to the degree of permanent injury.

4) Regardless of whether the insured suffers permanent injury to several body parts, the degree of permanent injury cannot overall exceed 100%. Any disability that existed prior to the illness will not entitle the insured to compensation.

5) An existing disability cannot have the effect that a higher amount of compensation will be fixed than if such disability had not existed.

6) The insured must be under continuous treatment by a physician and follow the physician’s instructions.

C Disability caused by tropical diseases or eye diseases
1) The insurance will cover disability caused by a tropical disease or an eye disease that has been contracted during a trip. The degree of permanent injury and compensation will be fixed in accordance with insurance cover 10.1 B Illness-related disability.

2) If the illness deteriorates continuously, the final compensation will be fixed in accordance with the disability that specifically existed on the third anniversary of the onset of the illness.

3) Gouda’s liability for compensation is subject to the condition that the insured has followed WHO’s and/or the Danish State Serum Institute’s recommendations for vaccination and prophylaxis, including medicinal malaria prophylaxis, for trips to the area in question.

10.2 Who will receive the compensation?
The compensation for disability will be paid to the insured, and the payment of compensation is subject to the condition that the insured is alive at the time at which payment of the compensation can be claimed.

The sum insured in the event of death will be paid to the closest next-of-kin unless Gouda has been otherwise informed. Payment to the closest next-of-kin shall mean to the insured’s spouse, or, if there is no surviving spouse, to the insured’s children or, if there are no surviving children, to the insured’s cohabitant or, if there is no surviving cohabitant, to the insured’s beneficiaries.

10.3 The insurance will not cover
The insurance will not cover:

a) Compensation in the event of death for children under 18 years of age;

b) Persons who have attained 65 years of age at the time of the insurance event; and

c) Injury or damage covered under the insurance cover for Accident.

EXTENDED COVER C

11. LUGGAGE

11.0 Sum insured - is stated in the policy

11.1 What objects are covered by the insurance?
The insurance will cover objects that the insured brings with him or her or buys on the trip.

11.2 What objects are not covered by the insurance?
The insurance will not cover:

• Tickets, passport and credit cards/debit cards. See under insurance cover 13 Travel documents.
• Product samples, merchandise and collections.
• TV sets, motor vehicles, boats, surfboards, windsurfers, caravans, trailers, bicycles and other means of transportation as well as accessories for all these objects.
• Contact lenses and prostheses.

11.3 What insurance events are covered by the insurance?
The insurance will cover:

a) Financial loss that has been incurred as a result of all types of theft and damage.

b) Loss of luggage that has been checked in.

c) Change or replacement of locks or keys for the insured’s private home when the keys to such locks are lost as a consequence of damage covered under clause 11.3 a or b. The insurance will cover up to DKK 1,500.

11.4 Limitations of cover
a) Theft from a locked motor vehicle will be covered by 50% of the sum insured stated on the front page of the policy.

b) Cash, traveller’s cheques, securities and similar valuables will be covered by a maximum total amount of DKK 5,000 and will only be covered in the event of loss as a result of fire, theft from a locked hotel room and/or a locked safe deposit box (however, only if there are clear signs of forced opening hereof) or theft of valuables that the insured carries on or with him or her and only if the theft is discovered at the time at which it is committed.

c) Gold, silver, jewellery, precious metals and the like will be covered by 50% of the sum insured stated on the front page of the policy, and compensation will only be paid in the event of loss as a result of fire, theft from a locked hotel room and/or a locked safe deposit box (however, only if there are clear signs of forced opening hereof) or robbery.

d) A single object with accessories (for example, a camera with equipment) will be covered by a maximum amount of compensation of DKK 15,000, regardless of whether several covers for the object may have been taken out with Gouda.

e) During air transport, PCs/computer equipment, jewellery, watches, diving computers, photographic equipment, video equipment and audio equipment, including portable music players, will only be covered if they are brought on board the aeroplane as hand luggage.

11.5 The insurance will not cover
The insurance will not cover:

a) Objects that have been left, lost or mislaid.

b) Theft of luggage that has not been under effective supervision. Luggage that has been left unattended (also for a short period of time) will not be regarded as luggage that is under effective supervision.

c) Theft from a locked hotel room, motor vehicle, caravan or trailer where there are no visible signs of forced entry.

d) Theft from an unlocked hotel room, apartment, holiday home, car and boat.

e) Loss of or damage to luggage that is sent by a separate means of transportation independently of the insured’s journey.

f) Damage to luggage caused by poor packaging as well as general wear, scratches, nicks, dents, etc. to suitcases or bags.

g) Indirect loss.

h) Loss resulting from misuse of traveller’s cheques, credit cards or debit cards.

11.6 Statement of luggage claims

a) For objects that are less than two years old according to documentation provided (receipt, warranty certificate, etc.), compensation will be paid by an amount that is equal to the value of corresponding new objects. See, however, under clause 11.6 d regarding PCs, laptops and tablets/smartphones.

b) For objects that are more than two years old and for which documentation of their age and purchase price can be provided (receipt, warranty certificate, etc.), compensation will be paid by the amount that it will cost to replace the object with a deduction for age, use, fashion, reduced usability and other circumstances.

c) For objects for which no documentation of their age and purchase price can be provided (receipt, warranty certificate, etc.), Gouda will be entitled to fix the amount of compensation at its own discretion.

d) No depreciation will be made for PCs, laptops and tablets/smartphones during the first year. The object will subsequently be written off over three years.

e) Gouda shall be entitled, but not under an obligation, to pay compensation in kind.

f) Gouda shall be entitled to have damaged objects repaired or to pay an amount to the insured that corresponds to the repair costs for the damaged object.

g) For loss of storage media with analogue or digital data/recordings as well as loss of film, manuscripts, drawings and the like, only the value of the medium/the raw material will be covered.

h) Luggage shall not be deemed lost until the transporter give notice that the search has been closed and the luggage is not found. For some transporters it may take up to four weeks. Gouda will pay compensation immediately after that.

12 LUGGAGE DELAY

12.0 Sum insured - is stated in the policy

12.1 What expenses are covered by the insurance?
The insurance will cover reasonable and necessary expenses for replacement purchases by up to:

a) The amount shown at the policy if luggage that has been checked in is delayed in relation to the insured’s arrival at a place of destination outside the insured’s country of residence.

b) A further DKK 2,000 if luggage that has been checked in is delayed by more than 48 hours in relation to the insured’s arrival at a place of destination outside the insured’s country of residence. If it subsequently turns out that the luggage has been lost, Gouda’s expensesfor replacement purchases will be deducted from any compensation paid under insurance cover 11 Luggage. The deduction shall only apply to replacement purchases of up to DKK 2,000 made after the luggage has been delayed for 48 hours.

c) DKK 1,000 if luggage that has been checked in is delayed by more than 24 hours in relation to the insured’s arrival at a place of destination in the insured’s country of residence if the insured is to commence a trip abroad within 72 hours of the expected arrival in the insured’s country of residence. A requirement for such compensation shall be that this trip abroad has been booked before the delay occurred.

d) DKK 500 if the luggage has been checked in and the flight is delayed, and this makes extraordinary overnight hotel accommodation necessary. The insurance will cover expenses for purchases of necessary toiletries and clothes. A number of flight delays that are all a result of one and the same cause or event will be regarded as one single delay in terms of compensation.

12.2 The insurance will not cover
The insurance will not cover:

a) Luggage that has been handed in for transport with another means of transportation than that used by the insured.

b) Luggage delay that has not been reported to the airline as soon as the insured has become aware that the luggage is delayed.

c) Any form of toiletries that the insured has purchased later than 24 hours after the actual time of arrival at the place of destination.

d) Replacement purchases made after the time at which the insured has received his or her luggage delay.

13. TRAVEL DOCUMENTS

13.0 Sum insured: DKK 5,000

13.1 What insurance events are covered by the insurance?
The insurance will cover all types of theft of and damage to tickets, passport, visa and credit cards.

13.2 What expenses are covered by the insurance?
The insurance will cover the insured’s reasonable and necessary extra expenses for:

a) Replacement of tickets, passport, visa and credit cards.

b) Transport, fees and photos.

13.3 The insurance will not cover
The insurance will not cover:

a) Objects that have been left, lost or mislaid.

b) Theft of travel documents that have been left unattended or that are not under effective supervision.

c) Loss in connection with misuse of credit cards.

d) Time used for recovery of the objects.

14. FLIGHT DELAY

14.0 Sum insured: DKK 1,000

14.1 What expenses are covered by the insurance?
If a flight is delayed for a minimum of five hours, the insurance will cover:

a) Prepaid and non-refundable expenses for stay.

b) Reasonable and necessary extra expenses for meals and accommodation that are incurred as a result of the delay and that are not paid by the airline or another party.

c) Reasonable and necessary extra transport expenses to and from the airport.

14.2 Limitations of cover
The insurance will only cover delay caused by the following conditions:
a) Extreme weather conditions.

b) Lockout, strike or other work stoppage among the staff of the airline that the insured is to use in accordance with the travel itinerary.
c) Lockout, strike or other work stoppage in the airport that the insured is to use in accordance with the travel itinerary.

14.3 Special conditions
The cover shall only apply to ordinary scheduled services that are fully covered by the airline’s ordinary plan for scheduled services, rules and provisions.

14.4 The insurance will not cover
The insurance will not cover:

a) Any delay of charter flights.
b) Any delay to and from the Faroe Islands and Greenland.

15. DELAYED DEPATURE

15.0 Sum insured: DKK 3,000

15.1 When does the travel insurance cover?
If your return journey to Denmark with public transportation is more than five hours late, the travel insurance will provide cover. The delay is calculated on the basis of the travel time and place of the return journey stated on the travel document and any changes announced prior to commencement of the journey. Documentation from the transport company for the delay, the duration and cause must be presented.

This compensation is subject to the condition that the delay is caused by climate conditions or mechanical failure of the means of transportation and that the delay is caused by the means of transportation that is supposed to take you to Denmark at the return journey. Moreover, compensation is subject to the condition that the insured is not entitled to compensation from any other parties.

15.2 What expenses are covered by the travel insurance?
The travel insurance will cover:
a) Reasonable and necessary extra expenses for hotels and food up to DKK 750 per day or part of the day that the delay lasts - however at a maximum of DKK 3,000.
b) Any extension of the travel insurance upon extension of the length of the journey due to delay of the return journey covered by the insurance.

15.3 Exclusion
Delay upon flying to and from the Faroe Islands and Greenland and within Greenland will not be covered.

16. EXCESS WHEN RENTING MOTOR VEHICLES

16.0 Sum insured: DKK 10,000

16.1 What insurance events are covered by the insurance?
The insurance will cover events in connection with insurance covering loss of or damage to passenger cars, motorbikes or mopeds rented on a journey outside the country of residence.

16.2 What expenses are covered by the insurance?
The travel insurance will cover expenses for excess under the insurance covering loss of or damage to the motor vehicle.

16.3 The insurance will not cover
The travel insurance will not cover:

a) If no insurance covering loss of or damage to motor vehicles were taken out on your rented passenger car, motorbike or moped.
b) If you were not qualified to drive the motor vehicle according to legislation in the country in which the motor vehicle was rented.

17. CANCELLATION INSURANCE

17.0 Sum insured: is stated in the policy

17.1 What insurance events are covered by the insurance?
The insurance will provide cover if the insured cannot commence the trip or the purpose of the trip cannot be met because of:

a) Death or serious acute illness/injury of the insured himself/herself or his or her spouse/cohabitant, parents, parents-in-law, children, grandchildren, children-in-law, brothers and/or sisters, sisters-in-law, brothers-in-law, stepparents, stepbrothers and/or stepsisters and grandparents. This cover is subject to the condition that the person who gives rise to the cancellation has not attained 75 years of age.

b) A wildcat strike in the insured’s own business immediately prior to the departure.

c) Acts of fraud or the like in the insured’s own business or in the enterprise in which the insured is the Chief Executive Officer that have been committed by a person employed with the enterprise and where the insured’s presence is required.

d) Fire, flooding, burglary or storm damage in the insured’s private home or the insured’s own business immediately prior to the departure.

e) An accompanying colleague has booked the journey. The insurance covers a maximum of one colleague per event covered by the insurance under clause 17.1 a-d.

17.2 What expenses are covered by the insurance?
The insurance will cover that part of the insured’s payment to which the tour operator is entitled in accordance with the general travel conditions.

17.3 The insurance will not cover
The insurance will not provide cover if any illness or injury that is the reason for the cancellation of the trip was present at the time at which the trip was booked. It shall be a condition that there were no symptoms of illness prior to the booking of the trip.

EXTENDED COVER D - LATE ARRIVAL

18. LATE ARRIVAL

18.0 Sum insured: is stated in the policy

18.1 What insurance events are covered by the insurance?
If the insured has to catch up with the scheduled travel itinerary because the insured:

a) Misses a public means of transportation or a means of transportation provided by the tour operator through no fault of the insured, and the insured could not have foreseen or avoided this.

b) Is involved in an insurance event covered under insurance cover 14 Travel documents in which the insured is unable to replace plane tickets, passport or visa in time.

18.2 What expenses are covered by the insurance?
The insurance will cover reasonable and necessary extra expenses for:

a) Transport to catch up with the scheduled travel itinerary – at a maximum of the same class as for the original outbound journey.

b) Hotel stay – at a maximum of DKK 1,500 per day.

c) Meals and local transport – at a maximum of DKK 250 per day.

18.3 Special condition
This cover is subject to the condition that:

a) The ticket(s) has/have been booked and paid for 24 hours before departure.

b) The insured tries to replace any lost travel documents as quickly as possible – contact the tour operator or the Gouda Alarm Centre, if required.

18.4 The insurance will not cover
The insurance will not cover:

a) Late arrival in connection with a connecting flight where at least the official minimum connecting time has not been included.

b) Late arrival on the outbound journey by up to 24 hours after the time of departure if the insurance has only been taken out on the day of departure.

EXTENDED COVER E

19. PERSONAL LIABILITY

19.0 Sum insured:
Personal injury: DKK 10,000,000
Property damage: DKK 5,000,000

19.1 What insurance events are covered by the insurance?
The insurance will provide cover if, in accordance with the existing law in the country in which the injury or damage occurs, the insured becomes liable to pay damages for injury to persons or damage to property in accordance with the general rules on liability for non-contractual damages.
As a guide, it can be stated that, in accordance with Danish law, a person will normally be legally liable if he or she is responsible for causing the injury or damage in question through fault or negligence. If the person causing the injury or damage is not at fault, i.e. is not responsible for this, the injury or damage is regarded as accidental, and there is no liability for damages for accidental injury or damage. In such a situation, the injured party must bear the loss himself/herself.

19.2 What expenses are covered by the insurance?
The insurance will cover:

a) The amount that the insured becomes liable to pay.

b) Costs in connection with the decision of the question of liability for damages that have been paid following an agreement with Gouda.

c) Damage to rented dwelling/hotel premises and contents; however, with an excess of DKK 2,000 per insurance event.

19.3 The insurance will not cover
The insurance will not cover the insured’s liability for damages for injury or damage:

a) That has occurred in a work-related or business-related situation.

b) To, or loss of, the insured’s own effects.

c) Resulting from the insured having undertaken more extensive liability by agreement or otherwise than the liability that applies in accordance with the general rules on liability for non-contractual damages.

d) To objects that the insured has borrowed or rented or has in storage, for use, transportation, processing or that is in the insured’s possession in some other way, except for the situations mentioned under clause 19.2 c.

e) Where the insured has passed on a disease to other persons by infection or in some other way.

f) Caused by use of a motor vehicle, caravan or trailer, aircraft or vessel with an engine of more than 10 HP or any vessel that is more than five metres long.

g) Caused to family members or travelling companions.

h) Caused by an animal.

i) In the form of fines and claims for penalties and the like.

20. LEGAL ASSISTANCE ABROAD

20.0 Sum insured - DKK 100,000

20.1 What expenses are covered by the insurance?
The insurance will cover reasonable and necessary:

a) Expenses for legal assistance if a dispute that has occurred during the trip or at the destination requires legal assistance.

b) Expenses for legal assistance in connection with criminal proceedings; however, at a maximum of DKK 30,000. This cover is subject to the condition that the insured was acquitted for all charges before the first instance, and the period allowed for appeal has expired. This will also apply to travel expenses under clause 20.1 c.

c) Travellingexpenses incurred as a result of the insured being summoned to appear as a witness before a foreign court.

20.2 Special conditions
This cover is subject to the condition that:

a) The matter that forms the basis of the dispute or the criminal proceedings has occurred during the policyperiod and concerns circumstances that have occurred during the trip.

b) The insured is directly involved in the dispute or the criminal proceedings.

c) The dispute cannot be heard administratively or by an appeals board, a complaints board or a similar body.

20.3 Excess
a) For any claim under clause 20.1 a, the insured shall have an excess of 10% of the total expenses covered under the insurance; however, at a minimum of DKK 2,500.

c) For any claim under clause 20.1 b, the insured shall have an excess of 20% of the total expenses covered under the insurance; however, at a minimum of DKK 5,000.

20.4 The insurance will not cover
The insurance will not cover:

a) Expenses that have not been incurred on a reasonable basis, because the insured is not found to have had a reasonable cause for conducting the case or because the expenses are not reasonably proportionate to the subject-matter of the case, for example.

b) Disputes between the insured and the travel agency/tour operator/travel agent, the airline or one or more of the insured’s travelling companions.

c) Disputes between the insured and Gouda.

d) Disputes in connection with contractual, business-related or work-related matters.

e) Disputes in connection with family or social matters or matters relating to pensions or inheritance law.

f) Expenses in connection with traffic cases in which a motorised means of transportation was used by the insured.

g) Actual damages or penalty-like claims.

21. DEPOSIT/GUARANTEE

21.0 Sum insured - DKK 100,000

21.1 What expenses are covered by the insurance?
The insurance will cover:
a) Deposit/guarantee. Deposit/guarantee shall mean payment that can permanently or temporarily release the insured or the insured’s possessions from detention by the local authorities. The security pledged in the form of a deposit/guarantee shall be regarded as an interest-free loan, which shall be repaid to Gouda upon release or on demand.

b) Transport expenses for one person at the insured’s choice – at a maximum of economy class – to the insured’s place of sojourn and back to the place of residence if the insured is detained by the local authorities for more than 48 hours.

21.2 The insurance will not cover
The insurance will not cover deposit/guarantee in connection with:

a) Disputes between the insured and the travel agency, the tour operator, the travel agent or a travellingcompanion.

b) Legal proceedings or arbitration proceedings that are instituted in connection with contractual, business-related or work-related matters.

c) Liability for use of a motor vehicle, caravan or trailer, an aircraft or a vessel with an engine of more than 10 HP or any vessel that is more than five metres long.

d) Disputes that have arisen prior to departure on the trip or cases that concern matters that have not arisen during the trip.

e) Drugs-related cases, cases concerning weapons or cases concerning the insured’s participation in criminal acts.

f) Debt collection or recovery proceedings against the insured if there is no doubt about the validity and size of the claim.

EXTENDED COVER F

22. KIDNAPPING

22.0 Sum insured - DKK 500,000

22.1 What expenses are covered by the insurance?
If the insured is kidnapped or exposed to highjacking, the insurance will cover expenses/fees to a professional counsellor appointed by the insured and approved by Gouda.

22.2 The insurance will not cover
The insurance will not cover ransom.

D: Definitions

The policy conditions contain a number of words and terms that are highlighted in italics, which indicates that these words and terms are defined below.
The definitions will apply regardless of the linguistic form of the word or term that has been used:

Acute illness:
A newly occurred illness, a well-founded suspicion of a newly occurred serious illness or an unexpected deterioration in existing or chronic illness.

Country of residence:
The country in which the insured has his or her permanent place of residence.

Treating physician:
The physician (see definition) who is treating the insured during the insured’s stay abroad. The treatingphysician must be a licensed physician in the country in which the insured is staying.

Extra expenses:
Expenses that the insured solely incurs as a result of an insurance event that is covered by the insurance. If the expenses would have been incurred regardless of the insurance event, they will not constitute extra expenses.

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

Family:
Husband and wife/cohabitant and their children, who travel together, and who are all covered by Gouda travel insurance.

Scheduled travel itinerary:
A travel route that can be documented by means of a route description from a travel agency, purchased plane, train or bus tickets or booked overnight accommodations.

Policy period:
The insurance will provide cover from the time at which the insured leaves his or her place of residence or workplace to commence the planned trip abroad, however, maximum 12 hours before the planned departure from the insured’s country of residence, and will cease to apply upon the insured’s return to his or her place of residence or workplace; however, at a maximum of 12 hours after arrival back in the insured’s country of residence, provided that the time of the insurance event falls within the period for which insurance cover has been taken out.

Gouda:
Gouda Travel Insurance is the Danish branch of Gjensidige Forsikring ASA, Norway Org.no. 995 568 217, who carries the insurance risk. As of November 1st 2013 the activities of Gouda Travel Insurance in Denmark has been bought by Gjensidige Forsikring ASA, Norway and continues as a part of the Danish Branch of Gjensidige.

Worldwide:
Outside the Nordicregion and Europe.

Technical aid:
An object that can limit or alleviate a physical disorder or disability.

Physician:
A trained and publicly licensed physician, who is not himself or herself the insured or a member of the insured’s family.

Nordic region:
Greenland, the Faroe Islands, Finland, Iceland, Norway and Sweden.

Close employee:
The insured’s immediate superior (the person to whom the insured reports) and the persons who report directly to the insured.

Assault:
Demonstrable personal injury caused by an intentional criminal offence.

Prostheses:
Artificial joints and limbs as well as dentures and artificial teeth.

Travelling companion:
One or more persons who travel together with the insured and who are covered by Gouda travel insurance.

Travelling expenses:
Reasonable extra expenses for transport, however, maximum expenses corresponding to the price of a ticket for an ordinary scheduled flight (business class).

Cohabitant:
A person with whom the insured has lived in a marriage-like relationship and with whom the insured has had a joint address, according to the National Register, during the past year.

Terrorism/act of terrorism:
This refers to an organised act of violence or the threat hereof, which, by creating fear in the civil population, seeks to pressurise the public authorities into meeting demands based on religious or political objectives.

Mastication damage:
A masticationdamage covered by the insurance is a dental damage that occurs where the insured unforeseeably chews in a foreign object in food or in similar objects.