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S O C I E T A T E D E A S I G U R A R E R E A S I G U R A R EA D M I N I S T R A T I N S I S T E M D U A L I S T

Cod Fiscal: R 330904 R.A. - 005 Reg. Com.:J40/305/1991 Nr.operator date personale: 5689Capital Social:192.712.533, 86 LEI Sediul Central: BUCURESTI, Str. Nerva Traian, Nr. 3, Bloc M 101,Sector 3 Tel.: +4 021 318.80.80 Fax.: +4 021 318.80.74, +4 021 318.80.75

E-mail: office@astrasig.ro Web:www.astrasig.ro

CONDIII GENERALEPRIVIND ASIGURAREA MEDICAL PENTRU CLTORII N STRINTATE

CAP. IDEFINIII1.1.n cuprinsul prezentelor condiii de asigurare, urmtorii termeni suntdefinii dup cum urmeaz:1.1.1.Accident: eveniment subit, datorat unei cauze violente i exterioare,survenit n perioada asigurat i care a cauzat vtmarea corporal, decesulsau invaliditatea Asiguratului, cum ar fi (inclusiv dar fr a se limita la)explozia, lovirea, neparea, tierea, alunecarea, cderea, atacul din parteaaltei persoane sau a unui animal, trsnetul, aciunea curentului electric,arsura, degerarea, necul, intoxicarea acut, asfixierea din cauze subite,precum i cel provocat de funcionarea i folosirea mainilor, aparatelor,instrumentelor, sculelor;1.1.2.ap de conduct: acoperire cu un strat de ap provenind dininstalaiile de ap/canal, cauzat de:a)spargerea accidental, colmatarea/refularea, defectarea accidental a

conductelor, rezervoarelor, instalaiilor de ap/canal (inclusiv instalaiile desprinklere/drenchere);b)neglijen n exploatarea/administrarea, de ctre vecinii Asiguratului, ainstalaiilor de ap aflate n utilizarea acestora;1.1.3.Asigurat: persoana nominalizat n Poli, care are un contract deasigurare ncheiat cu Asigurtorul;1.1.4.Asigurtor: Societatea Comercial de Asigurare-Reasigurare ASTRASA;1.1.5.bagaje: totalitatea lucrurilor luate de Asigurat n cltorie, dacacestea ndeplinesc, cumulativ, urmtoarele condiii:a)se afl n incinte (geni, valize etc) nchise cu fermoar sau capac,b)cntresc, mpreun cu incinta menionat, cel puin 1 kg;

Se consider ca fiind parte a bagajului i incinta menionat.1.1.6.cheltuieli medicale de urgen: costurile ocazionate de aplicarea

tratamentului medical pentru calmarea durerilor acute, ambulatoriu sau prinspitalizare;1.1.7.eveniment asigurat:a) n cazul acoperirii cheltuieli medicale/de repatriere mbolnvireaneateptat i/sau producerea, n urma unui accident survenit n perioadaasigurat, a vtmrii corporale, decesului, invaliditii;b)n cazul acoperirii bagaje deteriorarea, distrugerea, pierderea bagajelorAsiguratului;1.1.8.fenomene atmosferice: furtun, grindin, ploaie torenial, tornad,tromb de aer, vijelie, uragan;1.1.9.furtun: perturbaie atmosferic natural, manifestat inclusiv prinvnt cu vitez cuprins ntre 90 de km/h i 118 km/h, inclusiv;1.1.10.grindin: precipitaie atmosferic format din particule de ghea cu

diametrul de cel puin 5 milimetri;1.1.11.incendiu:a)foc, n stare s se extind prin propria putere i cu evoluie necontrolat,care a luat natere:a.1)n afara spaiului ce-i este destinat saua.2)n locul ce-i este destinat dar a prsit acest loc;b)carbonizare, prlire, topire i/sau degajare de fum/gaze/vapori, cu sau frflacr;1.1.12.inundaie: fenomen natural, necontrolat de om, constnd n:a)acoperirea cu un strat de lichid de provenien natural, cauzat de:a.1)revrsarea unor cursuri/acumulri de lichid natural (inclusiv din cauzaruperii digurilor),a.2)uvoaie, torente,a.3)ptrunderea apei provenit din topirea zpezii sau din ploi n bagajele

asigurate fie n urma acumulrii acesteia n zone joase, fie n mod direct, de lasuprafa,a.4)ieirea la suprafaa terenului a lichidelor de provenien natural,acumulate n mod natural n subteran;b)efectul aciunii mecanice a lichidelor de provenien natural sau aobiectelor purtate de acestea;c)aluviuni;1.1.13.mbolnvire: contractarea neateptat a unei boli n timpul perioadeide asigurare, care produce durere sau suferin fizic persistent;1.1.14.mijloc de transport: mijlocul de transport folosit de Asigurat pentrudeplasare;1.1.15.perioada asigurat: intervalul de timp nscris n polia de asigurare,n care trebuie s se petreac evenimentul asigurat pentru a fi acoperit prinasigurare;

1.1.16.ploaie torenial: precipitaie care ncepe i se sfreste brusc, cuschimbri subite ale intensitii;1.1.17.Poli: documentul emis de Asigurtor care probeaz ncheiereacontractului de asigurare ce cuprinde prezentele condiii de asigurare;termenul include i toate anexele;1.1.18.repatriere medical: transportul Asiguratului efectuat n condiiicorespunzatoare, din strintate la spitalul cel mai apropiat de domiciliul sudin Romania care poate oferi tratament adecvat;1.1.19.tornad: curent de aer sub form de vrtej cu ax vertical sau puinnclinat, n contact att cu solul ct i cu norii, cu un diametru de peste 10metri, n relaie cu o furtun nsoit de fulgere;1.1.20.tratament medical: consultaia, ngrijirea acordat de un medic(inclusiv intervenii chirurgicale), precum i reeta prescris de acesta nscopul vindecrii sau ameliorrii suferinei Asiguratului, n urma producerii

unui eveniment asigurat;1.1.21.tromb de aer: curent de aer sub form de vrtej cu ax verticalsau puin nclinat, n contact cu solul, cu un diametru de cel puin o jumtatede metru i maxim 10 metri, ce se formeaz n condiii de soare, pe o vremelinitit sau moderat;1.1.22.uragan: perturbaie atmosferic natural, manifestat inclusiv prinvnt cu vitez mai mare de 118 km/h;1.1.23.vtmare corporal: afectarea integritii corporale ca urmare aunui accident i care poate conduce, exclusiv i independent de orice altcauz sau defect fizic ori infirmitate preexistent accidentului, la invaliditateapermanent sau decesul Asiguratului, ori la spitalizarea acestuia;1.1.24.vijelie: perturbaie atmosferic natural, manifestat inclusiv prinvnt puternic cu vitez cuprins ntre 60 i 90 de km/h.

CAP. IIDISPOZIII GENERALE2.1.Calitatea de Asigurat poate fi deinut doar de persoane fizice care audomiciliul sau rezidena n Romnia.2.2.Respectarea riguroas i ndeplinirea de ctre Contractant/Asigurat aobligaiilor prevzute n Contractul de Asigurare, precum i prezumia cdeclaraiile i rspunsurile Asiguratului sunt adevrate, sunt o condiie ceprecede orice rspundere care revine Asigurtorului.

CAP. IIINCHEIEREA CONTRACTULUI DE ASIGURARE 3.1.Prin ncheierea Poliei, Asiguratul se oblig s plteasc o prim deasigurare Asigurtorului, iar acesta se oblig ca, in cazul produceriievenimentului asigurat, s plteasc Asiguratului sau persoanei desemnate deacesta o despgubire, n limitele i termenele convenite.3.2.Contractul de asigurare se consider ncheiat cnd sunt ndeplinitecumulativ urmtoarele condiii:

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a)plata anticipat a primei de asigurare;b)emiterea poliei de asigurare i semnarea acesteia de ctre Asigurat iAsigurtor.3.3.Contractul de asigurare nu se poate dovedi prin martori, chiar dacexist un nceput de dovad scris.3.4.Polia se ncheie pentru persoane al cror scop al cltoriei esteactivitatea turistic ori de studii, pentru acoperirea cheltuieli medicale/derepatriere. Prin excepie, doar dac este precizat expres n poli i s-a pltitprima de asigurare corespunztoare, asigurarea se poate ncheia i pentruurmtoarele acoperiri/activiti/Asigurai:a)oferi profesioniti/oameni de afaceri;b)prestare munc;c)sport amator/profesionist (altul dect sporturile/activitile periculoase);d)sporturi/activiti periculoase (practicate n regim de agrement), nelese cafiind, indiferent de tipul/forma/mediul de desfurare a acestora: schi;scufundri; canoe/caiac/rafting; salt/escaladare/coborre cu coarda;snowboarding, skateboarding; surfing; sporturi aeriene (zboruri cu motor,deltaplanorism, parautism, parapant etc); sporturi cu motor, pe ap/peuscat;e)bagaje.

CAP. IVOBIECTUL ASIGURRIIAcoperirea cheltuieli medicale/de repatriere

4.1.Obiectul asigurrii l constituie cheltuielile medicale/de repatriere,necesare ca urmare a producerii unui eveniment asigurat.

Acoperirea bagaje4.2.Obiectul asigurrii l constituie bagajele luate de Asigurat n cltoriapeste grani, dac aceste bagaje slujesc scopului cltoriei.

CAP. VCHELTUIELI ACOPERITE/RISCURI ASIGURATEAcoperirea cheltuieli medicale/de repatriere

5.1.n ceea ce privete cheltuielile medicale:a)Asigurtorul despgubete cheltuielile legate de tratamentul medical deurgen necesar a fi efectuat n timpul unei ederi temporare n strintate aAsiguratului;b)tratamentul medical include doar:b.1)tratament ambulatoriu al Asiguratului;b.2)medicamente i pansamente prescrise de medic;b.3)materiale medicale ajuttoare care fac parte din tratament, pentrumembre fracturate sau rni (mulaje de gips, pansamente), cu excepia

protezelor;b.4)diagnostic radiografic;b.5)tratament efectuat de Asigurat n condiii de spitalizare, n msura ncare acestai.are loc ntr-o instituie recunoscut drept spital n ara respectiv, n regimcomun,ii.se face sub supravegherea direct a unui medic avnd la dispoziia safaciliti suficiente de diagnosticare i terapie,iii.se desfoar numai conform metodelor recunoscute din punct de vederetiinific i testate clinic n ara respectiv; n acest scop trebuie folositspitalul din localitatea n care se afl persoana asigurat sau spitalul dinlocalitatea cea mai apropiat, unde exist posibilitatea aplicrii tratamentuluiadecvat;

b.6)costurile de transport efectuat de servicii de salvare, recunoscute pentruacordarea de asisten medical de urgen, de la locul accidentului saureedina temporar, pn la cel mai apropiat medic sau pn la cel maiapropiat spital;b.7)cheltuielile cu transferul la o clinic de specialitate, solicitat de medic inumai cu acordul Asigurtorului;b.8)tratament dentar, dar numai de urgen (pentru calmarea durerii acute);c)Asigurtorul acoper costurile tratamentului n condiii de spitalizare numaipn cnd starea medical a Asiguratului permite repatrierea medical pentrucontinuarea tratamentului adecvat n Romnia.5.2.n ceea ce privete cheltuielile de repatriere, Asigurtorul acorddespgubiri doar pentru:a)cheltuieli ocazionate de repatrierea medical;b)cheltuielile pentru transportarea corpului nensufleit la domiciliu sau, n

cazul nmormntrii la locul decesului (n strintate), doar cheltuielile pentrufunerarii i nhumare/incinerare.

Acoperirea bagaje5.3.Riscurile acoperite sunt urmtoarele:a)accident al mijlocului de transport;b)incendiu, trsnet, explozie, cdere de corpuri, cutremur (inclusiv tsunami),inundaie, fenomene atmosferice, prbusire/alunecare de teren, greutatea zpeziii/sau gheii, avalan, ap de conduct, furt prin efracie/prin acte de tlhrie.5.4.Asigurarea este valabil doar pentru bagajele aflate asupra Asiguratuluiori n acelai mijloc de transport cu acesta (mai puin n cazul transportului cuavionul, caz n care polia de asigurare nu este aplicabil).

CAP. VIEXCLUDERI6.1.Nu se acord despgubiri pentru:a)cheltuieli/daune aprute ca o consecin direct ori indirect aurmtoarelor:a.1)rzboi (declarat sau nu), invazie sau aciunea unui duman extern; rzboicivil, revoluie, rebeliune, insurecie, dictatur militar, conspiraie, ostiliti(fie c este sau nu declarat rzboi),a.2)terorism;a.3)confiscare, expropriere, naionalizare, rechiziionare, sechestrare,distrugere sau avariere din ordinul oricrui guvern de drept ori de fapt sauoricrei autoriti publice;b)revolt popular, stare de mobilizare, de asediu sau de urgen, oriceeveniment care determin instituirea ori meninerea strii de mobilizare, de

asediu sau de urgen;c)daune/prejudicii cauzate direct sau indirect de radioactivitate,radiaii/infestri ionizante/radioactive, accidente nucleare, poluare saucontaminare de orice tip i din orice cauz;d)costurile ce depesc pe cele normale i practicate n mod obinuit;e)orice costuri generate de comunicarea de ctre Asigurat a unor dategreite.6.2.Nu sunt acoperite prin asigurare preteniile de despgubire formulate:a) n cazul n care Asiguratul a contribuit la producerea evenimentuluiasigurat prin rea-credin, intenie ori impruden;b)printr-o cerere frauduloas sau care are la baz declaraii false;c)ca urmare a:c.1)desfurrii unor activiti ce nu corespund cu scopul declarat alcltoriei,

c.2)implicrii Asiguratului n aviaie altfel dect ca pasager al unei companiiautorizate s efectueze transport de persoane,c.3)comiterii sau ncercrii de a comite, de ctre Asigurat, a unor faptepenale.6.3.Nu sunt acoperite prin asigurare orice consecine ale consumului debuturi alcoolice, droguri sau ale consumului excesiv de medicamente.6.4.Nu se acord despgubiri n relaie cu oricare din acoperirile Poliei,aprute ca urmare a practicrii urmtoarelor:a)alpinism peste 6.000 de metri,b)bob;c)vntoare;d)explorarea peterilor/cavernelor neamenajate pentru turism.

Acoperirea cheltuieli medicale/de repatriere

6.5.Nu se acord despgubiri pentru:a)boli cronice sau afeciuni preexistente nceperii valabilitii poliei deasigurare, inclusiv acutizarea sau recidiva acestora i consecinele unor astfelde boli/afeciuni despre a cror existen/producere Asiguratul avea sau nucunotin la data intrrii n vigoare a asigurrii; aceleai restricii privinddespgubirea se aplic i consecinelor accidentelor;b)boli sau accidente pe care persoana asigurat le-a provocat prin comitereaunei infraciuni, intenionat (incluznd, dar fr a se limita la oriceincapacitate cauzat prin automutilare, sinucidere sau ncercare desinucidere, expunere deliberat la pericol);c)boli sau accidente rezultate n urma desfurrii unor activiti ce nucorespund cu scopul declarat al cltoriei;d)tratamentele medicale si/sau chirurgicale pentru urmtoarele boli: litiazarenal, litiaza biliar, hipertensiune arterial, diabet;

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e)cheltuieli generate de automedicaie;f)medicamente sau tratamente necesar a fi administrate sau acordate peparcursul deplasrii n strintate, dar care erau cunoscute sau prescrise deun medic nainte de nceperea cltoriei;g)transplantul de organe, ndeprtarea defectelor fizice sau anomaliilor/malformaiilor (ex.: tratament cosmetic, operaii estetice);h)tratamente stomatologice definitive, tratamente de canal, ortodontoz,paradontoz, detartrare, dini artificiali, coroane/puni dentare;i)graviditate, controale n timpul sau la terminarea graviditii, natereacopilului i consecinele acestora, ct i pentru tratamentul medical alsuferinelor tipice perioadei de graviditate i consecinele acestora, inclusivmodificri ale strii cronice, ca rezultat al graviditii, precum i pentru oricecosturi legate de ntreruperea voluntar a sarcinii;j)servicii medicale care nu sunt necesare pentru stabilirea diagnosticului saupentru efectuarea tratamentului ori care nu sunt impuse ca urmare a unei mbolnviri acute sau ca urmare a unei vtmri corporale din accident,precum i cheltuielile medicale efectuate n condiii de spitalizare sau deinternare n clinici de specialitate care nu au fost avizate n prealabil laAsigurtor;k)examinri de rutin, controale sau verificri medicale generale (tip fimedical) precum i orice vaccinri de rutin impuse sau solicitate deautoriti medicale;l)tratament acordat de soi, prini sau copii;m)orice tratament i/sau intervenie chirurgical ce poate fi amnat/ pn

la revenirea n ar a Asiguratului;n)orice consecin a catastrofelor naturale, nelese ca fiind evenimenteprovocate de manifestarea urmtoarelor calamiti naturale: cutremure depamnt cu magnitudinea mai mare de 6 grade pe scara Richter, inundaii,furtuni.6.6.Nu sunt despgubite orice cheltuieli n legtur cu:a)tratamentul cancerului, al bolilor cu transmisie sexual, infectarea cu HIV,SIDA i consecinele acestora;b)tratamente medicale i/sau chirurgicale datorate unor boli contactatenainte de intrarea n vigoare a asigurrii;c)perioada de convalescen, cura de orice fel n staiuni de odihn saubalneo-climaterice, sanatorii, case de convalescen sau instituii similare;d)tratarea unor tulburri mentale, psih iatrice, psihosomatice sau consecineleanomaliilor congenitale;

e)tratarea unor afeciuni benigne;f)reabilitare i fizioterapie sau pentru cheltuieli efectuate pentru procurarea, nlocuirea sau refacerea protezelor de orice fel, a ochelarilor de vedere,inclusiv a lentilelor de contact;g)repatriere pentru care nu exist acordul prealabil al Asigurtorului, precumi cheltuielile medicale efectuate dup data la care, dei posibil, repatriereamedical nu s-a efectuat ca urmare a unei decizii a Asiguratului;h)proceduri terapeutice nerecunoscute din punct de vedere medical ineautorizate de instituii medicale competente i consecinele acestora;i)proceduri medicale de investigare sau de tratament cu caracterexperimental, specifice cercetrii medicale, precum i consecinele acestora.

Acoperirea bagaje6.7.Nu se acord despgubiri pentru:

a)bagaje care nu sunt proprietatea Asiguratului;b)deteriorarea, distrugerea sau dispariia bagajelor lsate fr supraveghere n locuri nepzite/nencuiate, sub cerul liber, n balcoane sau pe terasedeschise;c)furtul bagajelor lsate la vedere, chiar n locaii nchise/ncuiate;d)furtul, ntre orele locale 2200 i 0700, al bagajelor lsate n vehicule(inclusiv rulote);e)distrugere/avariere/pierdere ca urmare a:e.1)grevelor, revoltelor, tulburrilor civile,e.2)aciunii uzurii, insectelor, paraziilor;f)bagaje reinute de autoriti publice ori distruse/avariate de acestea;g)pagube produse cu intenie de ctre personalul angajat al agentuluieconomic furnizor de servicii (cazare, transport etc.);h)bagajele lsate n custodia unei persoane care, n mod oficial, nu are

responsabilitatea de a pstra n siguran proprietatea cuiva;i)produse alimentare, autovehicule de orice tip, mostre/modele/bunuri unicat,haine de blan, animale, echipament sportiv, articole tehnice sauaccesorii/echipamente profesionale, instrumente muzicale, hrtii de valoare,documente, registre, titluri, acte, manuscrise;j)bunuri electronice, dac nu se prevede altfel n Poli i nu s-a pltit oprim de asigurare suplimentar;k)bijuterii, metale nobile, mrci potale, obiecte de art sau colecii, bani,cecuri, carduri bancare ori de alt tip, bilete de cltorie, bonuri de combustibil,vouchere;l)daunele de orice tip provocate:l.1) n cazul transportului cu avionul (sunt excluse i daunele de orice tipprovocate de ntrzierea bagajelor);l.2)bagajelor aflate asupra Asiguratului n timp ce acesta practic oricaredintre sporturile/activitile precizate la punctele 3.4.c) i 3.4.d) de mai sus(excluderea este aplicabil chiar i n cazul n care s-a ncheiat asigurareapentru acoperirea cheltuielilor medicale/de repatriere n relaie cu acestesporturi/activiti).

CAP. VIISUME ASIGURATE/LIMITELE RSPUNDERII7.1.Sumele asigurate reprezint rspunderea maxim a Asigurtorului.

CAP. VIIIPERIOADA DE ASIGURARE I DE RSPUNDERE AASIGURTORULUI

8.1.Asigurarea se ncheie pentru o perioad de cel mult 365 zile.8.2.Asigurarea trebuie ncheiat nainte de nceperea cltoriei n afara

granielor Romaniei. Asigurrile ncheiate dup nceperea cltoriei nstrintate sunt considerate nule.8.3.Asigurarea nceteaz (chiar i n cazul cererilor de despgubire n curs derezolvare) la sfritul perioadei prevzute n polia de asigurare sau nmomentul n care asiguratul trece grania napoi n Romnia, dac napoiereaare loc nainte de expirarea poliei de asigurare.

Acoperirea cheltuieli medicale/de repatriere8.4.Rspunderea Asigurtorului:8.4.1.este aplicabil pentru evenimente asigurate ntmplate cel maidevreme la momentul n care sunt ndeplinite, cumulativ, urmtoarele condiii:a)a fost emis Polia,b)perioada asigurat nscris n Poli este nceput,c)s-a efectuat plata integral a primei de asigurare,d)Asiguratul este n afara granielor Romniei n vederea efecturii/

continurii cltoriei;8.4.2. nceteaz n momentul n care s-a terminat perioada asigurat oriAsiguratul este n interiorul granielor Romniei, oricare ar interveni mai nti.

Acoperirea bagaje8.5.Rspunderea Asigurtorului este aplicabil pentru evenimente asigurate ntmplate cel mai devreme la momentul n care sunt ndeplinite, cumulativ,condiiile precizate la punctul 8.4.1) de mai sus i nceteaz n momentul ncare s-a terminat perioada asigurat ori Asiguratul este n interiorul granielorRomniei, oricare ar interveni mai nti.

CAP. IXACOPERIRE TERITORIAL9.1.Acoperirea prin asigurare se aplic pentru evenimente asigurate/cauzeale producerii acestora ntmplate n rile strine menionate n poli.9.2.Asigurarea nu este valabil n rile n care Asiguratul are domiciliul sau

al cror cetean este.CAP. XSTABILIREA I PLATA PRIMELOR DE ASIGURARE10.1.Plata primelor se efectueaz:a)anticipat i integral;b) n valut sau n lei (la cursul de referin leu-valut comunicat de BNRpentru data plii).

CAP. XIOBLIGAIILE ASIGURATULUI11.1.Asiguratul este obligat s:a)ia toate msurile pentru a preveni producerea unui eveniment asigurat, iar n cazul survenirii acestuia s depun toate eforturile pentru limitarea saustoparea consecinelor lui;b)respecte toate instruciunile primite de la Asigurtor ori n numeleacestuia, n cazul producerii unui eveniment asigurat;c)declare dac exist o alt poli de asigurare ncheiat pentru aceleai

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acoperiri.11.2.Asiguratul trebuie s furnizeze Asigurtorului, la cerere:a)toate informaiile necesare stabilirii producerii evenimentului asigurat i acuantumului despgubirii;b)dovezi cu privire la data i ora reale cnd a nceput cltoria n strintate,locul unde se afla n momentul producerii evenimentului asigurat.11.3.n caz de nendeplinire, de ctre Asigurat, a obligaiilor ce-i revin,Asigurtorul este n drept s nu acorde despgubiri.

Acoperirea cheltuieli medicale/de repatriere11.4.La solicitarea Asigurtorului, Asiguratul:a)trebuie s autorizeze ASTRA s obin, de la tere persoane (medici,stomatologi, ali profesioniti de acest fel, instituii medicale de orice fel,comisionari, oficii de sntate sau de pensii), toate informaiile consideratenecesare i s elibereze aceste tere persoane de obligaia de a pstrasecretul profesional cu privire la cazul respectiv;b)are obligaia de a se supune unei examinri medicale efectuat de un medicdesemnat de Asigurtor.11.5.Asiguratul va elibera personalul contactat de ageni autorizai aiAsigurtorului de obligaia de a pstra secretul cu privire la cazul medical ce agenerat cererea de despgubire.11.6.Preteniile de despgubire trebuie prezentate Asigurtorului cel maitrziu n termen de o lun de la terminarea tratamentului sau transportului ladomiciliul stabil sau, n cazul decesului, dup transportarea corpuluinensufleit/nmormntare.

11.7.Procedura de urmat n caz de accident sau mbolnvire:a) n caz de accident sau mbolnvire neateptat, Asiguratul trebuies ia urgent legtura cu centrul de alarm al societii de asistenturistic CORIS, la numrul de telefon

+4/021/201.90.30sau cu birourile internaionale aparinnd CORIS, precizate n listaanexat poliei de asigurare;b)Asiguratul va informa dispeceratul de urgen cu privire la dateledin polia sa de asigurare;c)Asigurtorul va acorda despgubiri pentru cheltuielile telefonice nmsura n care se dovedete efectuarea lor;d) n cazul n care Asiguratul nu are posibilitatea s contactezetelefonic CORIS nainte de a consulta un medic sau de a merge laspital, el va trebui s dea acest telefon de ndat ce este posibil; n

oricare din aceste cazuri, Asiguratul, devenit pacient, va prezentamedicului sau personalului medical polia de asigurare;

n cazul n care nu se urmeaz procedura prevzut la pct. 11.7.a) 11.7.d), Asigurtorul i rezerv dreptul de a despgubi doarcheltuielile pe care le consider strict legate de tratamentul de urgensau de a refuza plata despgubirii, dac din acest motiv nu se poatestabili sau asuma vreo responsabilitate n baza prevederilorprezentelor condiii de asigurare.

Acoperirea bagaje11.8.Asiguratul va anuna producerea evenimentului asigurat la CORIS ori laAsigurtor, n termen de cel mult 24 de ore de la producere/luarea lacunotin.11.9.Pentru stabilirea producerii evenimentului asigurat i a cuantumului

eventualelor despgubiri, Asiguratul este obligat s depun direct laAsigurtor:a)declaraie cu privire la evenimentul produs;b)dovada declarrii de ctre Asigurat, la organele poliienesti de la loculfaptei, a furtului/tlhriei, n termen de cel mult 24 de ore de laproducere/luarea la cunotin (dac, din cauza plecrii imediate, acest lucrunu este posibil, declaraia n cauz va fi fcut la Asigurtor, n prima zilucrtoare dup ziua sosirii n ar;)c)copii ale actelor eliberate de organele care au constatat/investigatevenimentul (pompieri, poliie etc);d)dovada depunerii, n cel mai scurt timp posibil, a plngerii privind pierdereabagajelor la biroul de bagaje pierdute n cazul n care transportul acestora s-afcut prin firme specializate;e)evaluarea articolelor distruse/pierdute/furate, data i locul achiziiei

acestora, eventualele facturi/bonuri de achiziie, n original;f)factura/bonul de reparaii, dac acestea au fost fcute;g)orice alte documente solicitate de Asigurtor pentru n vederea soluionriicererii de despgubire.11.10.Asiguratul este obligat s prezinte Asigurtorului preteniile dedespgubire dup cum urmeaz:a) n cazul furtului n cel mult 60 de zile de la data producerii risculuiasigurat;b) n cazul altor riscuri dect furtul n termen de 30 de zile de la datarevenirii n ar.

CAP. XIIOBLIGAIILE ASIGURTORULUI12.1.Asigurtorul se oblig, direct sau prin centrul de alarm, s primeascavizrile de daun, s constate producerea evenimentului asigurat, sevalueze consecinele producerii acestuia i s plteasc despgubirilecuvenite, n baza documentaiei complete privind cauzele i mprejurrile ncare s-a produs evenimentul asigurat.12.2.Asigurtorul se oblig, de asemenea, s achite despgubirea cuvenit, n contul indicat de Asigurat sau de beneficiarul asigurrii, n termen de 15zile lucrtoare de la depunerea ultimului document necesar soluionriidosarului de daun.

CAP. XIIICONSTATAREA, EVALUAREA I PLATA DESPGUBIRII13.1.n cazul n care la ncheierea asigurrii declaraia Asiguratului esteneadevrat sau n cazul n care cererea de despgubire are caracterfraudulos, avnd la baz declaraii sau documente false, contractul de

asigurare ncheiat va fi anulat, iar Asigurtorul va refuza plata despgubirii,cu restituirea primei de asigurare.13.2.n cazul n care Asiguratul formuleaz pretenii de despgubire fa detere persoane pe temeiuri juridice altele dect cele izvorte din contractul deasigurare, pentru prejudicii care, prin natura lor, fac i obiectul asigurrii,astfel de pretenii vor fi aduse la cunotina Asigurtorului, n scris.13.3.n msura n care Asiguratul primete compensaii pentru cheltuielile pecare le-a efectuat de la tere persoane rspunztoare pentru paguba produssau ca rezultat al oricror altor mprejurri legale, Asigurtorul va scdeaaceste compensaii din despgubirea cuvenit n baza acestei asigurri.13.4.n cazul n care, la data producerii evenimentului asigurat, exist opoli care acoper aceleai riscuri, ncheiat de asigurat la o alt societatede asigurare, Asigurtorul va plti sau va contribui la despgubire, n modproporional.

13.5.Plata despgubirii se va face pe baza documentelor prezentate noriginal, documente care vor deveni proprietatea Asigurtorului. Asigurtorulpoate pretinde ca documentele justificative cu privire la cheltuielile efectuate,emise ntr-o limb strin, s fie nsoite de o traducere corespunztoare,costurile acesteia fiind suportate de ctre Asigurat.13.6.Despgubirile nu vor depi, pentru fiecare acoperire n parte, nici sumaasigurat i nici sublimitele menionate n Poli, indiferent de numrul decltorii efectuate n perioada asigurat.

Acoperirea cheltuieli medicale/de repatriere13.7.Urmtoarele sublimite sunt aplicabile:a)pentru tratament dentar - 150 euro;b)pentru cheltuieli de repatriere 15% din suma asigurat aferentAcoperirii cheltuieli medicale/de repatriere.

13.8.Dac un eveniment asigurat necesit tratament n regim de spitalizaresi dup expirarea perioadei de valabilitate a poliei, obligaia Asigurtorului dea plti despgubirea se poate extinde cu cel mult 10 zile, n msura n careAsiguratul aduce dovezi c repatrierea medical nu a fost posibil.13.9.Asigurtorul va plti despgubire dac, pe lng dovada produceriievenimentului asigurat, vor fi prezentate documentele justificative cu privirela cheltuielile efectuate n legtur cu:a)spitalizarea i/sau tratamentul ambulatoriu;b)transportul efectuat de serviciile de urgen;c)transportul la domiciliul stabil;d)transportul corpului nensufleit sau nmormntarea n strintate.13.10.Documentele de plat (facturi, chitane etc) trebuie s cuprindurmtoarele elemente:a)numele persoanei tratate;

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b)diagnosticul;c)detalii asupra tipurilor de tratament medical administrat i a datelor cnd s-a aplicat tratamentul.13.11.Reeta trebuie s arate ct se poate de clar medicamentele prescrise,preul acestora i tampila farmaciei.13.12.n cazul tratamentului dentar, documentele de plat trebuie s conini informaii privind dinii tratai i tratamentul aplicat.13.13.n cazul n care se ridic o pretenie de despgubire pentrurambursarea cheltuielilor de transport la domiciliul stabil, trebuie prezentatedocumente justificative privind plata efectuat (facturi/chitane etc.) precumi o declaraie a medicului cu precizarea diagnosticului i necesitatea dinpunct de vedere medical a efecturii transportului. Asigurtorul nu va lua nconsideraie declaraiile medicale fcute de rude sau de soul/soia celui ncauz.13.14.De asemenea, dac se ridic o pretenie de despgubire pentrurambursarea cheltuielilor de transport al corpului nensufleit la domiciliul avut n timpul vieii sau pentru nmormntarea la locul decesului n strintate,trebuie prezentat certificatul legal de deces i declaraia medicului cu privirela cauza decesului.13.15.Asigurtorul are dreptul s plteasc despgubiri n favoarea celorcare au suportat cheltuieli sau au trimis documente justificative.13.16.Asigurtorul are dreptul s plteasc despgubiri n euro sau dolariSUA la cursul de schimb aplicabil la data la care s-au emis documentele deplat.

Acoperirea bagaje13.17.Despgubirile aferente ntregii perioade asigurate nu vor depi sumaasigurat precizat n Poli.13.18.Se acord despgubiri dup cum urmeaz:a)n caz de daun total valoarea bunului la data producerii evenimentuluiasigurat (valoarea de nou, de comercializare, mai puin uzura) sau a unui bunasemntor sub aspectele construciei, performanelor i preului;b) n caz de daun parial costul reparaiei pentru aducerea bunului lastarea anterioar evenimentului, fr a se depsi valoarea de nou a bunului.13.19.n cazul furtului:13.19.1.dac bagajele furate nu au fost gsite, se acord despgubiri numaidup ndeplinirea cumulativ a urmtoarelor condiii:a)au trecut 30 zile de la data ntiinrii Asigurtorului de producereafurtului,

b)organele de cercetare confirm n scris c n acest interval de timpbagajele nu au fost gsite i autorii nu au fost identificai;13.19.2.dac nainte de plata despgubirii, inclusiv n perioada celor 30 dezile de mai sus, bagajele au fost gsite, despgubirile se acord doar pentrueventualele deteriorri datorate furtului.13.20.Dac, dup plata despgubirii, bagajele au fost gsite, Asiguratul esteobligat s restituie Asigurtorului, n termen de 15 zile sumele ncasate sau,dac bunurile gsite sunt avariate ori incomplete, diferena dintre sumelencasate de la Asigurtor i costul reparaiilor sau completrii.

CAP. XIVSUBROGAREA I DREPTUL DE REGRES ALASIGURTORULUI

14.1.n limita despgubirilor pltite Asiguratului, ASTRA S.A. este subrogat n toate drepturile acestuia contra terelor persoane rspunztoare de

producerea i mrirea prejudiciilor.14.2.Asiguratul rspunde pentru prejudiciile aduse Asigurtorului prin actecare ar mpiedica realizarea dreptului de regres.14.3.Dac Asiguratul renun la dreptul de regres, sau dac din vina luiexercitarea acestui drept nu mai este posibil, ASTRA S.A. are dreptul s nuplteasc despgubirea, pn la limita sumei reprezentnd dreptul de regres.Dac plata a fost deja efectuat, Asiguratul este obligat s napoieze aceastsum din despgubirea acordat de Asigurtor.

CAP. XVMODIFICAREA CONTRACTULUI DE ASIGURARE15.1.De comun acord, prile semnatare pot aduce modificri contractului deasigurare, n cursul valabilitii acestuia, modificarea respectiv intrnd nvigoare la data convenit n scris ntre pri.15.2.Asiguratul are obligaia s comunice imediat Asigurtorului oricemodificare intervenit n legtur cu obiectul asigurrii, datele luate n

considerare la ncheierea poliei, precum i schimbarea mprejurrilor esenialeprivind posibilitatea producerii riscurilor acoperite prin contractul deasigurare.15.3.Dac Asigurtorul constat c Asiguratul a furnizat date eronate saurspunsuri inexacte la incheierea asigurarii, ori nu a fcut de ndatcunoscut Asigurtorului schimbarea mprejurrilor eseniale privind riscul,Asigurtorul are dreptul:15.3.1.nainte de producerea evenimentului:a)s propun asiguratului modificarea corespunztoare a poliei;b)s o rezilieze:b.1) n cazul n care schimbrile aprute exclud meninerea n vigoare aasigurrii, de la data cand a intervenit modificarea, cu restituirea primei deasigurare pltite pentru perioada ulterioar rezilierii;b.2) n cazul n care, cunoscnd exact mprejurrile reale, nu ar fi ncheiatasigurarea, de la data cnd asigurtorul a luat cunotin despre mprejurrilereale, cu restituirea primei de asigurare pltite pentru perioada ulterioarrezilierii.15.3.2.Dup producerea evenimentului:a)s reduc despgubirea cuvenit, corespunztor raportului dintre primastabilit i cea care, cunoscndu-se exact mprejurrile, ar fi fost datorat;b)s refuze plata despgubirii, dac fa de mprejurrile reale polia nu s-arfi ncheiat, cu restituirea primelor pltite de Asigurat.CAP. XVINCETAREA, DENUNAREA I REZILIEREA CONTRACTULUI

DE ASIGURARE

16.1.Anularea poliei se poate efectua cel mai trziu cu 24 ore nainte dedata nceperii rspunderii Asigurtorului16.2.Prile pot denuna contractul, pentru cauze neimputabile celeilaltepri, oricnd pe parcursul valabilitii acestuia, prin notificare scristransmis prin scrisoare recomandat cu confirmare de primire ladomiciliul/sediul cunoscut al prii notificate. ncetarea contractului ca efectal denunrii, devine efectiv dup 5 zile calendaristice, calculate de la datanscris pe confirmarea de primire.16.3.n cazul denunrii contractului de ctre Asigurtor, acesta va restitui,pro rata temporis, partea din prima de asigurare corespunztoare perioadeicuprinse ntre data ncetrii contractului i data expirrii perioadei deasigurare nscris n poli, dac nu a fost avizat un eveniment asigurat.16.4.n cazul denunrii contractului de ctre Asigurat, partea din prima deasigurare ncasat pentru perioada cuprins ntre data ncetrii contractului i

data expirrii perioadei de asigurare nscris n poli se va restitui pro ratatemporis asiguratului, numai dac pan la data ncetrii contractului nu auavut loc sau nu au fost avizate evenimente asigurate.16.5.Contractul de asigurare poate fi reziliat unilateral, pentru nendeplinireasau ndeplinirea necorespunztoare a obligaiilor contractuale, prin notificarescris, transmis prin scrisoare recomandat cu confirmare de primire ladomiciliul/sediul cunoscut al prii notificate. ncetarea contractului ca efectal rezilierii devine efectiv ncepnd cu ora 2400 a datei nscrise peconfirmarea de primire. Rezilierea opereaz fr punerea n ntrziere i frintervenia instanei judectoreti.16.6.Dac pn la data ncetrii contractului ca efect al rezilierii nu au fost nregistrate daune ori nu au fost avizate evenimente asigurate, asigurtorulva restitui, pro rata temporis, partea din prima de asigurare corespunztoare

perioadei cuprinse ntre data ncetrii contractului i data expirrii perioadeide asigurare nscris n poli.16.7.n cazul denunrii sau rezilierii contractului de asigurare, prevederileacestuia se aplic pentru toate cazurile de daun produse nainte dedenunare sau reziliere, pn la lichidarea definitiv a acestora.

CAP. XVIIFORA MAJOR17.1.Fora major apr de rspundere partea care o invoc i o comunicceleilalte pri Contractante n termen de 5 zile lucrtoare. n urmtoarele 15zile lucrtoare trebuie transmise ctre cealalt parte contractantdocumentele eliberate de organele competente care s ateste evenimentelecare au determinat fora major.17.2.n eventualitatea n care cazul de for major va continua pe operioad mai mare de 30 zile, prile vor discuta i vor hotr asupracontinurii sau ncetrii contractului de asigurare, fr ca vreuna din ele s

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pretind daune interese.CAP. XVIIIINSTANELE COMPETENTE

18.1.Orice litigiu decurgnd din sau n legatur cu contractul de asigurare,inclusiv referitor la validitatea, interpretarea, executarea ori reziliereaacestuia, se va soluiona pe cale amiabil sau n cazul n care acest lucru nueste posibil, de ctre instanele de judecat competente din Romnia.

CAP. XIXDISPOZIII FINALE19.1.Primele de asigurare, mai puin cheltuielile suportate de Asigurtorul nlegtur cu emiterea poliei (echivalentul a 1 EURO la cursul BNR din ziuaanulrii poliei), se restituie n cazul n care nu se obine viza de plecare nstrintate sau se prezint dovezi cu privire la neefectuarea cltoriei, cucondiia ca solicitarea de restituire a acestora s fie fcut nainte denceperea perioadei asigurate.19.2.n cursul valabilitii contractului de asigurare, Asigurtorul are dreptuls efectueze verificri ale informaiilor prezentate de Asigurat, ori de cte oriconsider necesar. n cazul n care cu acest prilej se constat apariia unorelemente care amplific semnificativ riscul asigurat, Asigurtorul poatesuspenda asigurarea pe baz de notificare scris, aceasta putand fi repus nvigoare dup renegocierea clauzelor contractuale, cu meniunea cAsigurtorul nu acord despgubiri pentru eventualele evenimente petrecuten perioada de suspendare.19.3.Comunicrile ntre prile contractante, necesare derulrii Contractuluide Asigurare, vor fi ntocmite n toate cazurile, n scris.19.4.Dreptul de a ridica pretenii fa de Asigurtor, privind plata de

despgubiri n baza Poliei se stinge, conform legii, n termen de 2 ani de ladata producerii evenimentului asigurat.19.5.ASTRA contribuie, conform legii, la Fondul de garantare destinatplilor de indemnizaii/despgubiri rezultate din contractele de asigurarefacultative i obligatorii, n cazul constatrii insolvabilitii Asigurtorului.19.6.Polia este supus reglementrilor privind deducerile prevzute de

legislaia fiscal aplicabil contractelor de asigurare.19.7.Prin ncheierea Poliei, Asiguratul/ Contractantul:a)declar c cele prevzute n Poli au fost negociate cu Asigurtorul,conform prevederilor Legii nr. 193/2000 privind clauzele abuzive dincontractele ncheiate ntre comerciani i consumatori, cu modificrile icompletrile ulterioare;b) i d acordul pentru prelucrarea cu bun credin de ctre Asigurtor adatelor cu caracter personal ale Asiguratului, date la care Asigurtorul areacces n virtutea Poliei precum i din alte surse, n temeiul Legii nr.677/2001 cu modificrile i completrile ulterioare;c)declar c n baza Legii nr 677/2001 cu modificrile i completrileulterioare i sunt respectate dreptul la informare, dreptul de acces la date,dreptul de opoziie, dreptul de a se adresa n justiie, dreptul de intervenieasupra datelor, dreptul de a nu fi supus unei decizii individuale; pentrurespectarea drepturilor sale, Asiguratul va depune la Asigurtor o cerere nform scris, datat i semnat, la sediul social al Asigurtorului, din stradaNerva Traian, nr 3, bl M101, et 10;d) i d acordul inclusiv n ceea ce privete dreptul Asigurtorului de aprelucra datele cu caracter personal furnizate de Asigurat, n scopul activitiide asigurare i reasigurare, marketing, publicitate, statistic, colectaredebite, recuperare creane; datele vor fi dezvluite, dup caz, mputerniciilor,reprezentanilor legali, partenerilor constractuali, altor companii din acelaigrup cu Asigurtorul precum i autoritilor publice, serviciilor sociale,societilor bancare, ageniilor de colectare a debitelor/recuperrii creanelor;

acordul se refer i la dreptul Asigurtorului de a transmite Asiguratului,direct sau prin intermediari, oferte de asigurare, materiale promoionale,produse de asigurare;e)declar c i sunt cunoscute cele nscrise n aceasta i este de acord cuncheierea Poliei n condiiile prevzute de aceasta.

INSURANCE CONDITIONS REGARDING THE HEALTH INSURANCE FOR JOURNEYS ABROAD

CAP. IDEFINITIONS1.1.Within the present insurance conditions the following terms are definedas below:1.1.1.Accident: a sudden event due to a violent and exterior cause that

occurred during the insured period and cause the bodily injury, the decease, orthe disability of the Insured, such as (including without limitation) explosion,kicking, pricking, cutting, sliding, falling, attack by another person or ananimal, thunderbolt, action of electric current, burning, frostbiting, drowning,acute intoxication, asphyxia by sudden causes, as well as those caused bythe operation and the using of machinery, devices, instruments, tools;1.1.2.atmospheric phenomena: storm, hail, torrential rainfall, tornado,whirlwind, blast, hurricane;1.1.3.blast: natural atmospheric perturbation manifested including by highwind with a speed between 60 and 90 de km/h;1.1.4.bodily injury: harming of bodily integrity as result of an accident,which could lead, exclusively, and independently from any other cause, orphysical defect, or disability that existed before the accident, to the Insureds

permanent disability or decease, or to the hospitalization of the same;1.1.5.conveyance: the vehicle used by the Insured for travel purposes;1.1.6.emergency medical expenses: the costs on the occasion of applyingmedical treatment in order to calm acute aches, either ambulatory or byhospitalization;1.1.7.fire:a)fire that is able to extend by its own power, and with uncontrolledevolution, to have arisen:a.1)outside the space that was intended for it, ora.2)at the place that was intended for it, but leaving such place;b)carbonizing, singeing, melting and/or emission of smoke/gases/vapours,with or without flame;1.1.8.flooding: natural phenomenon, which is not controlled by man,consisting of:

a)covering with a layer of liquid with natural origin caused by:a.1)overflow of streams/accumulations of natural liquid (including due tobreaking of dams),a.2)currents, torrents,

a.3)entrance of water originated in snow melting or in rainfall to the insuredluggage, either as result of the accumulation of the same in lower areas, ordirectly from the surface,a.4)coming to the surface of the ground of liquids of natural origin havingnaturally accumulated underground;b)the effect of the mechanical action of liquids of natural origin, or of theobjects being carried by the same;c)slimes;1.1.9.illness: unexpected contracting of a disease during the insuranceperiod, which causes persistent ache or physical suffering;1.1.10.Insured: the person named within the Policy who has an insuranceagreement concluded with the Insurer;1.1.11.insured event:

a)in the case of the medical/repatriation expenses coverage unexpectedillness and/or the occurrence, as result of an accident having occurred duringthe insured period, of bodily injury, decease, invalidity;b)in the case of the luggage coverage the deterioration, destruction,losing of the Insureds luggage;1.1.12.insured period: the time interval as stated within the insurancepolicy the insured event is to occur within in order to be covered by theinsurance;1.1.13.Insurer: Societatea Comercial de Asigurare-Reasigurare (TheInsurance and Reinsurance Trading Company)ASTRA SA;1.1.14.luggage: all of the goods the Insured took on journey should thesame meet all of the following requirements at the same time:a)are located within enclosures (bags, suitcases, etc.) that are closed with azipper or a lid,

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b)are weighing at least 1 kg along with the mentioned enclosure;The mentioned enclosure is also considered a part of the luggage.

1.1.15.hail: atmospheric precipitation formed of ice particles with adiameter of at least 5 millimetres;1.1.16.hurricane: natural atmospheric perturbation manifested including bywind with a speed over 118 km/h;1.1.17.medical cure: the examination, care by a medic (including surgicalinterventions), as well as the prescription by the same for the purpose ofhealing or ameliorating the Insureds suffering as result of the occurrence ofan insured event;1.1.18.pipe water: covering by a layer of water originated in water/sewageinstallations caused by:a)accidental breaking, blocking/backflow, accidental defecting of pipes,tanks, water/sewage installations (including sprinkler/drencher installations);b)negligence on the operating/managing by the Insureds neighbours of thewater installations they are using;1.1.19.Policy: the document issued by the Insurer that certifies theconclusion of the insurance agreement including the present insuranceconditions; the term also includes all of the annexes;1.1.20.repatriation (medical repatriation): the transport of the Insured,performed under proper conditions, from abroad to the hospital closest tohis/her domicile in Romania that can offer adequate cure;1.1.21.storm: natural atmospheric perturbation manifested including bywind with a speed between 90 km/h and 118 km/h, both values included;

1.1.22.tornado: air current in the form of a swirl with vertical or slightlyinclined axis, in contact with both the ground and the clouds, with a diameterover 10 meters, in relation to a storm being accompanied by lightning bolts;1.1.23.torrential rainfall: precipitation that starts and ends suddenly, withsudden changes of intensity;1.1.24.whirlwind: air current in the form of a swirl with vertical or slightlyinclined axis, in contact with the ground, with a diameter of at least half ameter, and maximum 10 meters, which forms under sunny conditions, bycalm or moderate weather.

CAP. IIGENERAL PROVISIONS2.1.The capacity of Insured may only be held by individuals having theirdomicile or residence in Romania.2.2.The rigorous observance and fulfilment by the Contracting Party/ Insuredof the obligations provided for in the Insurance Contract, as well as the

assumption that the representations and the answers of the Insured are truerepresent conditions that shall precede any liability on the side of the Insurer.

CAP. IIICONCLUSION OF THE INSURANCE AGREEMENT3.1.By concluding the Policy, the Insured binds him-/herself to pay aninsurance premium to the Insured, and the later binds itself to, in the event ofthe insured event occurring, pay the Insured or the person as designated bythe same an indemnity within the limits and terms as agreed upon.3.2.The insurance agreement shall be considered concluded when thefollowing requirements are all met:a)the payment in advance of the insurance premium;b)the issue of the insurance policy and its signing by the Insurer and Insured.3.3.The insurance agreement may not be evidenced by means of witnesseseven though a start of written proof may exist.

3.4.The police is concluded for persons whose purpose of travel is tourismor business studies, to cover medical/repatriation expenses. As anexception, only if is expressly stated in the policy and an appropriateinsurance premium has been paid, the insurance can be concluded for thefollowing coverage/activities/Insured:a)professional drivers/business people;b)perform work;c)amateur/professional sport (other than dangerous sports/activities);d)dangerous sports/activities (practiced under recreational), understood asbeing, notwithstanding the type/form/environment of these: skiing, diving,canoeing/kayaking/rafting, jump/climbing/descent with chord; snowboarding;skateboarding; surfing; air sports (powered flights, gliding, parachuting,paragliding, etc.), motor sports, on water/land;e)luggage.

CAP. IVSUBJECT MATTER OF THE AGREEMENTThe medical/repatriation expenses coverage

4.1.The medical/repatriation expenses required as result of the occurrenceof an insured event represent the subject matter of the insurance.

The luggage coverage4.2.The subject matter of the insurance is represented by the luggage theInsured took on the journey abroad, if such luggage serves the purpose of thejourney.

CAP. VCOVERED EXPENSES/INSURED RISKSThe medical/repatriation expenses coverage

5.1.As regards medical expenses:a)The Insurer shall indemnify the expenses related by the emergency medicalcure required during a temporary sojourn abroad of the Insured;b)medical cure shall only include:b.1)the Insureds ambulatory cure;b.2)the medicines and bandages as prescribed by a medic;b.3)auxiliary medical materials that are part of the cure, for fractured limbsor wounds (gypsum casts, bandages), except for prostheses;b.4)radiographic diagnosis;b.5)Insureds cure under hospitalization conditions to the extent that thesamei.takes place within a institution that is recognized as a hospital in therelevant country, under common treatment,ii.is done under direct supervision by a medic having available sufficient

diagnosis and cure facilities,iii.is only carried on according to the methods being recognized from ascientific standpoint, and clinically tested in the relevant country; for suchpurpose there should be used the hospital in the locality the insured person isin, or the hospital in the closest locality where the possibility for theadequate cure to be applied exists;b.6)costs for the transport by ambulance services being recognised toprovide emergency medical assistance, from the place of the accident or thetemporary residence to the closest medic or the closest hospital;b.7)expenses for the transfer to a specialty clinic, as requested by themedic, and with the consent of the Insurer only;b.8)dental cure, but under emergency conditions only (for calming the acuteache);c)the Insurer shall only cover the costs for the cure under conditions of

hospitalization until the medical condition of the Insured allows medicalrepatriation in order to continue the adequate cure in Romania.5.2.As regards the repatriation expenses the Insurer shall only grantindemnities for:a)expenses for medical repatriation;b)expenses for transporting the body back to the domicile, or in the event ofthe burial at the decease place (abroad) the expenses for funerals andinterment/incineration only.

The luggage coverage5.3.The covered risks are as following:a)accident of the conveyance;b)fire, thunderbolt, explosion, falling bodies, earthquake (tsunami included),flooding, atmospheric phenomena, land crashing/sliding, snow and/or ice

weight, avalanche, pipe water, theft by housebreaking / by acts of robbery.5.4.The insurance is only valid for the luggage being located on the Insuredor within the same conveyance with the same (less for the case of airplanetransport, in which case the insurance policy is not applicable).

CAP. VIEXCLUSIONS6.1.No indemnities shall be granted for:a)expenses/damages to have arisen as a direct or indirect consequence ofthe following:a.1)war (either declared or not), invasion or action of a foreign enemy, civilwar, revolution, rebellion, insurrection, military dictatorship, conspiracy,hostilities (notwithstanding that the war was declared or not),a.2)terrorism;a.3)seizure, expropriation, nationalisation, requisition, sequestration,destruction, or damaging by order of any de jure or de facto govern, or of any

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public authority;b)popular rising, mobilisation, siege, or emergency state, any event thatwould determine the establishing or maintaining of the mobilisation, siege, oremergency state;c)damages/prejudices directly or indirectly caused by radioactivity,ionising/radioactive radiations/infestations, nuclear accidents, pollution orcontamination of any type, and by any cause;d)costs exceeding the normal and usually charged ones;e)any costs generated by the Insured providing inaccurate data.6.2.There are not covered by the insurance the indemnity claims filed:a)in the case where the Insured contributed in the occurrence of the eventby bad faith, on purpose, or by imprudence;b)by means of a fraudulent claim, ore one being based on falserepresentations;c)as result of:c.1)carrying on activities that do not match the stated purpose of thejourney,c.2)the Insureds involvement with aviation other than as a passenger of acompany being authorised to perform personnel transports,c.3)the Insured perpetrating, or attempting to perpetrate criminal deeds.6.3.There are not covered by the insurance any consequences of the use ofalcoholic beverages, drugs, or of the excessive use of medicines.6.4.The Insurer no grants indemnities, in connection with any coverageincluded in Policy, arising from practicing the following: climbing/alpinism

over 6.000 meters,a)bobsleigh;b)hunting;c)exploring caves/caverns undeveloped for tourism.

The medical/repatriation expenses coverage6.5.No indemnities shall be granted for:a)chronic illnesses or diseases having existed before the start of the validityof the insurance policy, including the ingravescence or the relapse of thesame, and the consequences of such illnesses/diseases about theexistence/occurrence of which the Insured was aware or not as of the dateof the insurance coming into force; the same restrictions regarding theindemnity shall apply for the consequences of accidents;b)illnesses or accidents the insured person has caused by committing anoffence, on purpose (including without limitation any disability having been

caused by self-mutilation, suicide or suicide attempt, deliberate exposure tohazards);c)illnesses or accidents as result of carrying on activities that do not matchthe stated purpose of the journey;d)medical and/or surgical cure for the following diseases: kidney gravel, bilecalculus, hypertension, diabetes;e)expenses for self-medication;f)medicines or cures required to be administered or provided while travellingabroad, but which were known, or had been prescribed by a medic before thestart of the journey;g)transplant of organs, removal of physical defects orabnormalities/malformations (e.g.: cosmetic treatment, aesthetic surgery);h)final dental cures, channel cures, orthodontics, paradontosis, scale

removing, artificial teeth, dental crowns/bridges;i)pregnancy, controls during, or at the end of pregnancy, child birth andconsequences of the same, as well as for the medical cure of the sufferingthat is specific for the pregnancy period, and of the consequences of thesame, including changes of the chronic condition, as result of pregnancy, aswell as for any costs related to wilful pregnancy interruption;j)medical services that are not required in order to determine the diagnosis,or for providing the cure, or that are not imposed as result of an acute illness,or as result of a bodily injury due to an accident, as well as the medicalexpenses made under conditions of hospitalization or while being in specialtyclinics that were not first approved by the Insurer;k)routine examinations, controls, or general medical checks (the medicalrecord sheet type), as well as any routine vaccinations being imposed orrequested by medical authorities;

l)cure provided by spouses, parents, or children;m)any cure and/or surgical intervention that can be delayed until the Insuredis back in the country;n)any consequence of natural disasters understood to be events caused bythe manifestation of the following natural calamities: earthquakes with amagnitude over 6 Richter degrees, floods, storms.6.6.There are not indemnified any expenses in relation to:a)the cure of cancer, of sexually transmitted diseases, the infection withHIV, AIDS, and the consequences of the same;b)medical cures and/or surgery due to illnesses taken before the insurancecoming into force;c)the convalescence period, the cures of any kind in rest or balneal andclimate resorts, sanatoriums, convalescence houses, or similar institutions;d)the curing of mental, psychiatric, psychosomatic disorders, or theconsequences of congenital abnormalities;e)the curing of benign diseases;f)rehabilitation and physiotherapy, or for expenses made for the procuring,replacing, or remaking or prostheses of any kind, of eyeglasses, includingcontact lenses;g)repatriation without prior approval from the Insurer, as well as the medicalexpenses made after the date on which, although it was possible, the medicalrepatriation was not done as result of a decision by the Insured;h)therapeutic procedures that are not recognised from the medicalstandpoint, and not authorised by competent medical institutions, and the

consequences of the same;i)medical investigation and cure procedures of an experimental nature, whichare specific for medical research, as well as the consequences of the same.

The luggage coverage6.7.No indemnities shall be granted for:a)luggage that is not owned by the Insured;b)deterioration, destruction, or disappearance of luggage left unattended inunguarded /unlocked places, in open air, on balconies, or open terraces;c)theft of the luggage having been left in sight, even in closed/lockedlocations;d)theft between 2200 and 0700 hours of luggage left in vehicles (caravansincluded);e)destruction/damaging/loss as result of:e.1)strikes, riots, civil unrest,

e.2)the action of tear and wear, insects, parasites;f)luggage being detained by public authorities or destroyed/damaged by thesame;g)damages caused on purpose by the employees of the economic agentproviding the services (housing, transport, etc.);h)luggage left in custody with a person who does not officially have theresponsibility to safe keep someones property;i)food products, motor vehicles of any kind, samples / models / unique goods,fur garment, animals, sports equipment, technical items or professionalaccessories/equipment, musical instruments, valuable papers, documents,registers, securities, official documents, manuscripts;j)electronic goods unless otherwise provided for within the policy, and unlessan additional insurance premium was paid;

k) jewellery, noble metals, postal stamps, art objects or collections, money,cheques, bank or any other card types, travel tickets, fuel vouchers,vouchers;l)damages of any kind having been caused:l.1)in the case of air transport (there are also excluded the damages of anykind caused by late luggage arrival);l.2)to the luggage being on the Insured while he/she practices anyone of thesports/activities being mentioned under the items 3.4.c) i 3.4.d) above (theexclusion applies even in the case where the insurance was concluded tocover medical/repatriation expenses in relation with these sports/activities).

CAP. VIIINSURED AMOUNTS/LIABILITY LIMITS7.1.The insured amounts represent the maximum liability of the Insurer.

CAP. VIIIINSURANCE AND INSURER LIABILITY PERIOD8.1.The insurance is concluded for a maximum period of 365 days.

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8.2.The insurance needs to be concluded before the start of the journeyoutside the borders of Romania. Insurances to be concluded after the start ofthe journey abroad shall be considered void.8.3.The insurance shall cease (even in cases of indemnity claims undercourse of settlement) upon the end of the period being stated within theinsurance policy, or at the time when the Insured passes the border back intoRomania, should the returning take place before the expiry of the insurancepolicy.

The medical/repatriation expenses coverage8.4.The liability of the Insurer:8.4.1.is applicable for all of the insured events having occurred at earliest atthe time the following conditions were all met:a)the Policy was issued,b)the insurance period as stated within the Policy had started,c)the full payment of the insurance premium was made,d)the Insured is outside the borders of Romania for the purpose ofhaving/continuing his/her journey;8.4.2.shall end at the time the insured period ends, or when the Insured iswithin the borders of Romania, whichever would occur first.

The luggage coverage8.5.The liability of the Insurer is applicable for the insured events havingoccurred at earliest at the time the conditions being mentioned under the item8.4.1) above were all met, and shall end at the time the insured period ends,or when the Insured is within the borders of Romania, whichever would occur

first. CAP. IXTERRITORIAL COVERAGE9.1.The insurance coverage shall apply for insured events / causes for theoccurrence of the same arising within the foreign countries being mentionedwithin the policy.9.2.The insurance shall not be valid within the countries the Insured hashis/her domicile in, or the citizen of which he/she is.

CAP. XINSURANCE PREMIUM DETERMINING AND PAYMENT10.1.The payment of the premiums shall be made:a)in advance and in full;b)in foreign currency or in Lei (at the reference Lei to foreign currencyexchange rate as communicated by the NBR National Bank of Romania for the payment date).

CAP. XIOBLIGATIONS OF THE INSURED

11.1.The Insured is obliged to:a)take all of the action in order to prevent the occurrence of an insuredevent, and in the case of an occurrence of the same pay all efforts in order tocontain or stop its consequences;b)follow all of the directions given by the Insurer, or in the name of thesame, in case of occurrence of an insured event;c)declare whether another policy exists that was concluded for the samecoverage.11.2.The Insured should provide the Insurer, by request, with:a)all of the required information in order to determine the occurrence of theinsured event, and the amount of the indemnity;b)evidence regarding the actual date and time the journey abroad started on,the place he/she was located at the time of the occurrence of the insured

event.11.3.Should the Insured fail to fulfil his/her obligations the Insurer shall beentitled not to grant indemnities.

The medical/repatriation expenses coverage11.4.By request from the Insurer, the Insured:a)shall authorise ASTRA to obtain from third persons (medics, dentists,other such professionals, medical institutions of any kind, commission agents,health or pensions offices) all of the information they may deem required, andshall release such third parties from the obligation to keep the professionalsecret regarding the relevant case;b)has the obligation to submit to a medical examination carried out by amedic having been appointed by the Insurer.11.5.The Insured shall release the personnel to be contacted by authorisedagents of the Insurer from the obligation to keep the secret regarding the

medical case that generated the indemnity claim.11.6.The indemnity claims shall be submitted to the Insurer at latest withinone month after the end of the cure, or of the transport to the steadydomicile, or in the case of decease after the transport of the body/thefuneral.11.7.Procedure to follow in the event of an accident or illness:a)in the event of an accident or unexpected illness the Insured shall urgentlycontact the alarm centre of the CORIS tourist assistance agency, at thetelephone number

+4/021/201.90.30or the international offices of CORIS being specified within the list attachedto the insurance policy;b)the Insured shall inform the emergency dispatch service about theinformation in his/her insurance policy;c)the Insurer shall grant indemnities for the phone call expenses to theextent that their making is evidenced;d)in the event that the Insured would not have the possibility to contactCORIS by telephone before seeing a medic or going to a hospital, the sameshall make such call as soon as possible; in any of such events the Insuredhaving became a patient shall show the medic or the medical personnel theinsurance policy;Should the procedure being provided for under the items 11.7.a) 11.7.d) benot followed the Insurer reserve the right to only indemnify the expenses theydeem strictly related to the emergency care, or decline paying the indemnity

if by such reason a responsibility based on the present insurance conditionscannot be determined or undertaken.The luggage coverage

11.8.The Insured shall notify CORIS or the Insurer about the occurrence ofthe insured event within 24 hours at most after the occurrence / becomingaware of the same.11.9.For the determining of the occurrence of the insured event, and of theamount of the possible indemnities, the Insured is obliged to directly submitto the Insurer:a)a statement regarding the event having occurred;b)the evidence that the Insured reported the theft/robbery to the policebodies at the place it occurred at within 24 hours at most after theoccurrence/becoming aware of the same (should this be impossible due toimmediate departure the relevant report shall be submitted to the Insurer the

first working day after the day of arriving back to the country);c)copies of the documents issued by the bodies having ascertained/investigated the event (fire-fighters, police, etc);d)the evidence of having filed, within the shortest possible time, thecomplaint regarding the loss of the luggage at the lost luggage office shouldthe transport of the same have been done by means of specialized companies;e)the valuation of the destroyed/lost/stolen items, the date and place ofpurchasing the same, possible purchase invoices/receipts, in original;f)the repairing invoice/receipt, should any repairing have been performed;g)any other documents as requested by the Insurer in order to resolve theindemnity claim.11.10.The Insured is obliged to submit claims for compensation as follows:a)in case of theft - not later than 60 days from the date of the insured risk;

b)in case of other risks than theft - within 30 days from the date of arrival inRomania.CAP. XIIOBLIGATIONS OF THE INSURER

12.1.The Insurer undertakes to either directly or by means of the alarmcentre receive the damage notices, ascertain the occurrence of the insuredevent, assess the consequences of the occurrence of the same, and pay thedue indemnities based on the complete documentation regarding the causesand the circumstances the insured event has occurred in.12.2.The Insurer also bind themselves to pay the due indemnity, into theaccount as specified by the Insured or by the beneficiary of the insurance,within 15 working days after the filing of the last document required forresolving the damage case.

CAP. XIIIASCERTAINING, VALUATION, AND INDEMNITY PAYMENT13.1.In the event that upon the conclusion of the insurance the Insureds

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statement would be untrue, or in the event that the indemnity claim wouldhave a fraudulent nature, being based on false representations or documents,the concluded insurance agreement shall be cancelled, and the Insurer shalldecline paying the indemnity, and return the insurance premium.13.2.Should the Insured file indemnity claims against third persons on legalgrounds other than those arising from the insurance agreement, for damagesthat by their nature are also covered by the insurance, the Insurer shall benotified about such claims in writing.13.3.To the extent that the Insured would receive compensations for theexpenses he/she has made from third parties who are liable for the damagehaving occurred, or as result of any other legal circumstances, the Insurershall subtract such compensations from the indemnity due under thisinsurance.13.4.Should there exist, on the date of the occurrence of the insured event,a policy covering the same risks taken by the Insured with another insurancecompany, the Insurer shall pay or contribute in the indemnity pro rata.13.5.The payment of the indemnity shall be made based on the documentssubmitted in original, which documents shall become the property of theInsurer. The Insurer may require the supporting documents regarding theexpenses that were made having been issued in a foreign language to beaccompanied by a proper translation, the costs for the same to be borne bythe Insured.13.6.The indemnities shall not exceed for each and every coverage eitherthe insured amount or the sub-limits being mentioned within the Policy,

notwithstanding the number of journeys made during the insured period.The medical/repatriation expenses coverage13.7.The following sub-limits shall be applicable:a)for dental cure - Euro 150;b)for repatriation expenses 15% of the insured amount related to themedical/repatriation expenses coverage.13.8.Should an insured event require cure under hospitalisation conditionsafter the expiry of the validity period of the policy too, the liability of theInsurer to pay the indemnity may be extended by 10 days at most to theextent that the Insured provides evidence that the medical repatriation wasnot possible.13.9.The Insurer shall pay the indemnity if, apart from the evidence of theoccurrence of the insured event, supporting documents shall also be providedregarding the expenses made in relation to:

a)hospitalisation and/or ambulatory cure;b)transport by ambulance services;c)transport to the steady domicile;d)transport of the body, or funeral abroad.13.10.The payment documents (invoices, receipts, etc.) shall include thefollowing elements:a)name of the person having been subject to the cure;b)diagnosis;c)details on the types of medical cure administered, and on the dates thecure was applied on.13.11.The prescription should state as clearly as possible the prescribedmedicines, the prices of the same, and the stamp of the pharmacy.13.12.In the case of a dental cure, the payment documents should also

include information regarding the cured teeth, and the applied cure.13.13.Should an indemnity claim be raised for the reimbursement of theexpenses for the transport to the steady domicile supporting documents shallbe provided regarding the payment that was made (invoices/receipts, etc.) aswell as a statement from the medic to specify the diagnosis and the medicalnecessity for the transport. The Insured shall not take into account medicalstatements from relatives or the husband/wife of the relevant person.13.14.Should an indemnity claim be raised for the reimbursement of theexpenses for the transport of the body to the domicile the deceased personhad when alive, or for a funeral at the place of the decease abroad, thereshall be provided the decease certificate, and a statement from the medicabout the cause of the decease.13.15.The Insurer shall be entitled to pay compensations in favour of thoseto have borne expenses, or to have sent supporting documents.

13.16.The Insurer shall be entitled to pay indemnities in Euro or U.S. Dollarsat the exchange rate that was applicable on the date the payment documentswere issued.

The luggage coverage13.17.The indemnities related to the whole insured period shall not exceedthe insured amount being specified within the Policy.13.18.Indemnities shall be granted as following:a)in case of complete damage the value of the goods as of the date of theoccurrence of the insured event (the value as new, the merchandising value,less the tear and wear), or that of goods that are similar as construction,performances, and price;b)in case of partial damage the cost of the repairs in order to bring thegoods back to the condition they had before the event, without exceeding thevalue as new of the goods.13.19.In case of theft:13.19.1.should the stolen luggage be not found indemnities shall only begranted after the following requirements were all met:a)30 days have elapsed since the date the Insurer was notified about theoccurrence of the theft,b)the inquiry bodies have confirmed in writing that during such time intervalthe luggage was not found, and the authors were not identified;13.19.2.should the luggage be found before the payment of the indemnity,including during the 30 days above, indemnities shall only be granted for thepossible deteriorations due to the theft.

13.20.Should the luggage be found after the payment of the indemnity theInsured shall be bound to return to the Insurer within 15 days the receivedamounts, or should the found goods be damaged or incomplete the balancebetween the amounts having been received from the Insurer and the cost forthe repairs or the completing.

CAP. XIVSUBROGATION AND THE REGRESSION RIGHT OF THEINSURER

14.1.Within the limits of the indemnities paid to the Insured ASTRA S.A. issubrogated into all the rights of the same against the third persons who areresponsible for the occurrence and the increasing of the damages.14.2.The Insured shall be liable for the damages caused to the Insurer byacts that would prevent the exercising of the rights as provided for above.14.3.Should the Insured waive the regression rights, or should by his/herguilt the exercising of such rights be not possible anymore, ASTRA S.A. shall

be entitled not to pay the indemnity up to the limit of the amountrepresenting the regression rights. Should the payment have already beenmade the Insured shall be bound to return such amount from the indemnitygranted by the Insurer.

CAP. XVTHE CHANGE OF THE INSURANCE CONTRACT15.1.Changes to the present policy may be made by mutual agreement ofthe signing parties during the validity period of the same, such changes tocome into effect on a date to be agreed upon by the parties.15.2.The Insured has the obligation to immediately notify the Insurer aboutany change to have occurred in relation to the subject matter of theinsurance, the information that was considered upon concluding the policy, aswell as the changing of the circumstances that are of essence as regards thepossibility of occurrence of the risks being covered by the insurance

agreement.15.3.Should the Insurer find that the Insured have provided erroneous dataor inaccurate answers upon concluding the insurance, or have failed toimmediately notify the Insurer about changes to the circumstances ofessence as regards the risk, the Insurer shall be entitled:15.3.1.before the occurrence of the insured event:a)to propose the Insured that the policy is changed accordingly;b)to terminate the same:b.1)in the case where the changes having occurred would excludemaintaining the insurance in force, since the date such change has occurredon, by returning the paid insurance premium for the period subsequent to thetermination;b.2)in the case where the Insurer, had they been precisely aware of theactual circumstances, would not have concluded the insurance, since the date

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the Insurer have became aware of the actual circumstances, by returning thepaid insurance premium for the period subsequent to the termination.15.3.2.after the occurrence of the insured event:a)to reduce the due indemnity according to the ratio between the setpremium and the one that would have been owed had the circumstances beenprecisely known;b)to decline paying the indemnity, if as to the actual circumstances thepolicy would not have been concluded, and the premium paid by the Insuredshall be returned.

CAP. XVIENDING, CANCELLATION, AND TERMINATION OF THEINSURANCE AGREEMENT

16.1.The policy may be cancelled at latest 24 hours before the date theliability of the Insurer starts on.16.2.The parties may cancel the agreement for causes that may not beimputed on the other party at any time during the validity of the same, bymeans of a written notice sent by registered letter with acknowledgement ofreceipt at the known domicile/offices of the notified party. The ending of theagreement as effect of the cancellation shall become effective after 5calendar days to be calculated from the date being written on theacknowledgement of receipt.16.3.In the case of the agreement being cancelled by the Insurer, the sameshall return pro rata temporis the portion of the insurance premiumcorresponding to the period between the date of the agreement ending andthe date of the expiry of the insurance period being written within the policy,

if an insured event was not notified about.16.4.In the case of the agreement being cancelled by the Insured, theportion of the insurance premium having been received for the period betweenthe date of the agreement ending and the date of the expiry of the insuranceperiod being written within the policy shall only be returned pro rata temporisto the Insured if by the date of the agreement ending no insured events tookplace or were notified about.16.5.The insurance agreement may be unilaterally terminated by reason of afailure to fulfil, or an improper fulfilment of the contract obligations, bymeans of a written notice sent by registered letter with acknowledgement ofreceipt at the known domicile/offices of the notified party. The ending of theagreement as effect of the termination shall become effective starting withthe 2400 hours of the date being written on the acknowledgement of receipt.The termination shall operate without official notice, and without

intervention of a court of law.16.6.Should no damages have occurred, or insured events been notified bythe date of the agreement ending as effect of the termination the Insurershall return pro rata temporis the portion of the insurance premiumcorresponding to the period between the date of the agreement ending andthe date of the expiry of the insurance period being written within the policy.16.7.In the event of the insurance agreement being cancelled or terminatedthe provisions of the same shall apply to all of the damage cases havingoccurred before the cancellation or the termination, until the final settlementof the same.

CAP. XVIIFORCE MAJEURE17.1.The force majeure shall release from liability the party invoking thesame and notifying about it the other contracting party within 5 working

days. During the next 15 working days there shall be delivered to the othercontracting party the documents issued by the competent bodies to ascertainthe events having determined the force majeure.17.2.Should the force majeure event last for a longer period than 30 daysthe parties shall discuss and decide on the continuation or the ending of theinsurance agreement, none of them being entitled to claim interest damages.

CAP. XVIIICOMPETENT COURTS18.1.Any dispute arising from, or in relation to the insurance agreement,

including as regards the validity, the construing, the performance under, orthe termination of the same shall be amicably settled, or should this be notpossible by the competent courts of law in Romania.

CAP. XIXFINAL PROVISIONS19.1.The insurance premiums, less the expenses borne by the Insurer inrelation to the issue of the policy (the equivalent of EURO 1 at the NBRexchange rate on the day the policy is cancelled), shall be returned in theevent the visa for travelling abroad is not obtained, or evidence is providedthat the journey was not made, provided that the request for the returning ofthe same is made before the start of the insured period.19.2.During the validity period of the insurance agreement the Insurer isentitled to check the information provided by the Insured whenever they sodeem it necessary. Should there be found on such occasion that elementshave appeared that would significantly increase the insured risk the Insurerwill be able to suspend the insurance based on a written notice, and the samemay be brought back in force after the contract clauses are renegotiated,with the mention that the Insurer shall not grant indemnities for eventshaving possibly occurred during the suspension period.19.3.The notices between the contracting parties that are required for theperformance under the Insurance Agreement shall in all cases be made inwriting.19.4.The right to raise claims against the Insurer regarding the payment ofthe Indemnity based on the Policy shall extinguish under the law within 2years after the date of the occurrence of the insured event.

19.5.ASTRA contributes under the law to the Guaranteeing Fund for thepayment of compensations/indemnities resulting from facultative andmandatory insurance agreements for the case that the insolvency of theInsurer would be ascertained.19.6.The Policy is subject to the regulations regarding the deductibles asprovided for the fiscal legislation that is applicable to insurance agreements.19.7.By concluding the Policy, the Insured/Contracting Party:a)declares that those being provided for within the Policy were negotiatedwith the Insurer under the provisions in the Law no. 193/2000 regarding theabusive clauses in agreements concluded between traders and consumers assubsequently modified and completed;b)agrees for the processing in good faith by the Insurer of the personal dataof the Insured, to which date the Insurer has access by virtue of the Policy,as well as from other sources, based on the Law no. 677/2001 as

subsequently modified and completed;c)declares that based on the Law no. 677/2001 as subsequently modifiedand completed there are observed his/her rights to information, access,opposition, the right to act in justice, the right to intervene upon the data, theright not to be subject to an individual decision; in order to have his/her/itsrights observed the Insured will submit a written request to Insurer, datedand signed, at the headquarter of Insurer (3, Nerva Traian street, bl M101, fl10);d)agrees including as regards the right of the Insurer to process the personaldata gave by the Insured, for the purpose of insurance/reinsurance activity,marketing, advertising, statistics, debt collection, debt recovery; the data willbe disclose, as appropriate, to the proctorials, legal representatives,counterparties, other companies from the some economic group with the

Insurer, and, also, to the public authorities, social services, banks, debtcollection/recovery agencies; such agreement also regards the right of theInsurer to deliver the Insured, either directly or by means of intermediaries,insurance offers, promotional materials, insurance products;e)declares that he/she is aware of those stated within the same, and thathe/she agrees for the Policy to be concluded under the conditions beingprovided for by the same.

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ANEX LA CONDIIILE DE ASIGURARE/ATTACHET TO I NSURANCE CONDITIONS

LISTA BIROURILOR CORIS/CORIS OFFICES & REPRESENTATIVES

CORIS INTERNATIONALHEAD OFFICE

8, rue Auber75009 PARIS, FRANCETel. : 33 (1) 53 05 30 50

Fax : 33 (1) 42 66 26 90com@coris.fr

The operative coverage in the rest of the

world is carried out by CORIS Paris,

through preferred correspondents and

representatives.

EUROPEALBANIA TIRANA

CORIS

Blv ZOG 1 Pall Diplomateve, nr. 57TIRANAinfo@sigal.com.alTel: 355 4 253 407 / 253 408Fax: 355 4 233 308

BELARUS - MINSK

CORIS7a Kozlova pereulokMINSK 220037coris@coris.byTel/Fax: +375 172 99 99 67

99 99 68Tel/Fax: +375 17 245 39 22

BELGIUM

CORISOudenaardsesteenweg, 7-23bte 17 - 9000 GENTinfo@coris.beTel: 32(9) 242 9575Fax: 32(9) 242 95 70

Night & W.E:Tel: 32 (9) 388 83 79Territoriality:Belgium, Luxembourg,

Netherland

BULGARIA - SOFIA

CORIS1-A, Yakov Kraykov, str.1606 Sofiacoris@coris.bgTelefn: +359 2 / 950 50 10

+359 2 / 950 50 11Fax: +359 2 / 950 50 12

CROATIA - ZAGREB

CORISCebini 4310010 ZAGREBassistance@coris.hrTel: 385 6 2000 006Fax: 385 (1) 3640 886

CYPRUS - LIMASSOL

CORIS

PO BOX 53528Navarionou, 32 LIMASSOL 3303coris@logosnet.cy.netTel: 357 (25) 748 181 / (25) 387 163Fax: 357 (25) 747 989

CZECH REP- PRAGUE

CORISSdruzeni 2140 00 PRAGUE 4coris@coris.czTel.: 420 2 61 222 444Fax: 420 2 4141 2089

DENMARK

CORIS RepresentativeFALCK Euro ServiceBoulevarden 66DK- 7100 VejleTl: + 45 79 42 42 42Fax: + 45 75 72 78 79

FINLAND

CORIS RepresentativeFALCK - RosqvistHgbergintie 3FI-04360 TUUSULAFINLANDassistance@falck.fiTel: + 358 9 374 77220Fax: + 358 9 374 77277

FRANCE - PARIS

CORIS ASSISTANCE19/21 rue Poissonnire75002 PARISops@coris.frTel : 33 (1) 41 61 23 00Fax: 33 (1) 44 51 16 93Territoriality: Other countries not

mentioned on the list.

GERMANY- VOERDE

CORIS RepresentativeAlte Hnxer street, 17646562 VOERDEcoris@coris24.deTel. : 49 (281) 942 740Fax :49 (281) 942 74 30

GREECE - ATHENS

CORIS253, Syngrou Avenue171 22 ATHENSoperations@coris.grTel. : 30 210 6740 846Fax : 30 210 6740 634

Territoriality: Lebanon, Syria

HUNGARY - BUDAPEST

CORISHaller u. 2.H-1096 Budapestassistance@coris.huTel.: 36 (1) 372 30 72Fax: 36 (1) 372 30 73Territoriality: Austria

tl: +43 1 979 0180tl: +43 1 979 0180

ITALY - MILAN

CORIS 24OREVia L. Canonica 7220154 Milano (MI), Italiaassistenza@coris.itTel: 39 (02) 20 564 444Fax: 39 (02) 20 564 999

LATVIA RIGA

CORIS

Lacplesa, 141010 RIGAcoris@corisriga.lvTel: 371 67 33 40 65Mob: 371 2 9 46 21 98Fax: 371 67 33 40 66

LITHUANIA - VILNIUS

CORISStirnu 27 ALT-2604 VILNIUScoris@corivilnius.ltTel: 370 52 790 860Fax: 370 52 790 818

MALTA - VALLETTA

CORIS RepresentativeIIB Assistance19/1 Knots Street, Swieqi STJ 05, Malta(Europe)iibassistance@onvol.netTel: (+356) 2137 1032

(+356) 7900 3139Fax: (+356) 2137 2802

NORWAY

CORIS RepresentativeFALCK Euro ServicePOB 2148 N-3255 Larvicktungbil@falck.noTel +47 33 13 80 80Fax +47 33 11 49 00

POLAND - WARSAW

CORIS VARSOVIEUL. Piastow Slaskich 6501 494 WARSZAWAassist@coris.com.plTel: 48 (22) 864 55 22Fax: 48 (22) 864 55 23

PORTUGAL

CARESAv. Jos Malhoa, n 13-71070 157 LisboaAv.Geral@cares.ptTel. : +351 21 4405000Fax : 351 (21) 441 44 44 - 43Territoriality: Angola, Cap Vert,

Mozambique

ROMANIA - BUCHARESTCORISCALEA VACARESTI, nr 252-254, 3rdFloor, 4th district, postal code 040062BUCHARESTassistance@corisroumanie.ro

Tel 00 40 21 201 90 30

Fax 00 40 21 20190 40

RUSSIA MOSCOW

CORIS - RUS58, Kantemirovskaya street115477 MOSCOWcoris@coris.ruTel/Fax : 7 (495) 730 99 00Fax: 7 (495) 730 99 55

SLOVAKIA BRATISLAVA

CORISKovorobotnicka ul., 17821 04 BRATISLAVAcoris@coris.skTel: 421 (2) 534 16 371;

436 41 037Fax: 421 (2) 434 24 952

SLOVENIA LJUBLJANA

CORISUl Bratov babnik, 101117 LJUBLJANAcoris@coris.siTel.: 386 (1) 519 2020

Fax: 386 (1) 519 1698

SERBIA

SERBIAMr Nikola RadeviAssistance CORIS d.o.o.Sarajevska 42/63SERBIA - 11000 BeogradTel: + 381 11 36 36 913Fax + 381 11 36 36 905coris@coris.rs

Maja BenkoAssistance CORIS d.o.o.Tel.: + 386 59 091 809Fax: + 386 1 5191 698maja.benko@coris.si

SPAIN MADRID

CORIS AsistenciaC/Santa Engracia, 17928003 MADRIDasistencia@coris.es

Tel: 34 (91) 554 19 40 334 (91) 594 36 37Fax: 34 (91) 533 70 87

SWEDEN

CORIS Representative(FALCK Travel Care AB)Medical DepartmentPhone: +46 8 587 717 00Fax: +46 8 505 939 13Coris : +46 771 520023assistance@falcktravelcare.comPost address:Falck Travel Care ABBox 44024100 73 StockholmSweden

(FALCK Rddingskar AB)Technical Department from 1st ofDecember 2009Phone: +46 8 731 4000Fax: +46 8 767 8710

rc@falck.stPost address:Falck Rddningskr AB18187 LidingSweden

SWITZERLAND

CORISRoute de la Fonderie, 2 BOX 451705 FRIBOURGcoris@coriswiss.chTel. : 41 26 424 30 30Fax: 41 26 424 70 70

TURKEY

CORYS YARDIM SERVYS HYZ.LTD. STY.Ertuorul Mah. Yyldyz Posta Cad.,Akyn Sitesi, N 12/75 Gayrettepe,Bepiktap34 354 Ystanbul - TURKEYTl : +90 212 370 29 00Fax : +90 212 288 91 99info@coris.com.tr.

UKRAINE - KIEVCORIS5 Dimitrova Street252150 KIEVcoris@coris.uaTel: 380 44 494 31 31Fax: 380 44 494 31 32Territoriality:All SIF countries

UNITED-KINGDOMCORIS Representative4 Points assistanceCorwenGorse Close, FarnhamGU 10 4 SE Surreyops@4pointsassistance.comTel: + 44 12 52 820 600Fax: + 44 12 52 820 700Territoriality: Ireland

AFRICA/MIDDLE-EAST

ISRAEL - TEL AVIV

CORIS Representative(GORAL ASSISTANCE)76 Sokolov streetHERTZLIA 46380info@goralassist.comTel: + 972 9 9579930Fax: + 972 9 9579931

MOROCCO - CASABLANCA

SAFA Assistance Representative27 boulevard de Paris20000 CASABLANCA

Tel: + 212 (22) 22 77 77Fax: + 212 (22) 22 87 71safassist@iam.net.ma

UNITED ARAB EMIRATES

CORISRepresentativeG.A.C DubaiGulf Agency Company (Dubai) LLCP O Box 17041. Dubaiclifford.rodrigues@gacworld.comTel: +971 4 8059 440Fax: +971 4 8059 442Mob: +971 50 5581641

SOUTH AFRICA - EDENVALE

CORIS RepresentativeNo. 410 Janadel AvenueRiver View Office ParkHalfway GardensMidrandTel: +27 (0) 10 209 8387 Fax:+27 (0) 10 209 8405assist@netcare.co.za

Territoriality: Kenya, Namibia,Zambia,Zimbabwe, NigeriaTUNISIA TUNIS

CORISSige: 3, Rue du Kenya1002 TUNISAdresse postal: BP N75 Montplaisir1073 TUNIScoris@gnet.tnTel.:216 71 28 11 11

216 71 89 22 22Fax: 216 71 89 33 33Territoriality: Lybia, Algria

NORTH AND SOUTH

AMERICA

ARGENTINA - BUENOS AIRES

CORISAvenida Santa Fe 3312 Piso 14 oficinaC, CP1425 BUENOS AIRESasistencia@corisargentina.comTel, 24/24: + 54 11 5778 3003Fax: + 54 11 4032 1101

+ 54 11 4032 1276Territoriality: Paraguay,Uruguay, Chil,

Bolivia

BRASIL - SAO PAULO

CORISAv. Sao Luis, 8601046-000 - SAO PAULOassistencia@coris.com.brTel: 55 113 214 01 88

214 09 91Fax: 55 113 369 6125Territoriality: Peru

COLOMBIA - BOGOTACORISCalle 94 a, 13-42BOGOTAoperador@coris.com.coTel: 57 1 634 38 34

628 36 00Fax: 57 (1) 621 96 13

ECUADOR - QUITOCORIS del ECUADORCalle Andalucia N24-118 y GaliciaQUITOoperadores@corisdelecuador.c