Health insurance
Information sheet on insurance products
HanseMerkur Reiseversicherung AGGermany
HRB Hamburg 19768

Travel health insuranceThis information sheet gives you a brief overview of your insurance cover. This information is not exhaustive. Details on your insurance
contract can be found in the insurance terms and conditions, and policy we provide you with. To make sure that you are fully informed,
please read through all documents.

What type of insurance is it?
We are offering you travel health insurance. This provides you with insurance cover and services when travelling.

What is insured?

Out-patient and in-patient treatment costsMedication, dressings, therapeutic products and aids

Dental treatment including fillings and accident-related
temporary dental prostheses

What is not insured?

Treatment whereby it was clear that such treatment
would be necessary if the trip was undertaken asplanned.

Health spa and sanatorium treatment

Are there limitations to the coverage?

!

We can reduce the benefits to a reasonable level if the
medical treatment exceeds the medically necessarylevel or if the expenses for medical treatment exceedthose generally charged for similar medical care in thelocal area.

Where am I insured?

The insurance cover is valid for travel within the area covered by the policy.

What obligations do I have?
When you take out the insurance, you must answer all questions truthfully and fully.



If an insured event occurs, there are some obligations you need to fulfil. Amongst other things, you must inform us immediately
if in-patient care becomes necessary.

When and how do I pay?
The premium is payable immediately upon conclusion of the contract. You pay via the payment method you selected when you
concluded the insurance contract. Whether and how you pay further premiums is detailed in the insurance policy.

When does cover start and when does it end?
Your insurance cover will commence when your journey begins. A journey is deemed as having begun upon crossing the border
into the foreign country. The insurance cover ends at the end of the insured trip, upon crossing the border back to the country oforigin.

How do I cancel the contract?
Your contract ends with the end of your journey, at the latest on the agreed date of insurance expiry. There is no special right tocancellation.

Travel insurance
Information sheet on insurance products
HanseMerkur Reiseversicherung AGGermany
HRB Hamburg 19768

Travel emergency insurance S

This information sheet gives you a brief overview of your insurance cover. This information is not exhaustive. Details on your insurance
contract can be found in the insurance terms and conditions, and policy we provide you with. To make sure that you are fully informed,
please read through all documents

What type of insurance is it?
We are offering you travel emergency insurance. This provides you with insurance cover and services in emergencies when travelling,
especially abroad.

What is insured?
We provide services especially at:

Illness or accident (e g. the organization of return travel)



Loss of money and documents (e.g. cash loan, blockingof cards, replacement of documents)



Delay or breakdown of the means of transport (e.g. Helpwith the rebooking)Criminal prosecution (e.g. sourcing of a lawyer andinterpreter

What is not insured?

There shall be no comprehensive health and accident
insurance protectionSome of our money services are only carried out in theform of loans. This means that you need to pay us backthe amount within one month.

Are there limitations to the coverage?

!

We are not liable for financial damage in spite of card
blocking.

Where am I insured?

The insurance cover is valid for travel within the area covered by the policy.

What obligations do I have?
When you take out the insurance, you must answer all questions truthfully.

If an insured event occurs, there are some obligations you need to fulfil. Amongst other things the prerequisite for our services
are that you contact us immediately by telephone or in any other way to our worldwide emergency service. The telephone
number can be found under "Important information in case of damage" in your contract documents or on our website.

When and how do I pay?
The premium is payable immediately upon conclusion of the contract. You pay via the payment method you selected when you
concluded the insurance contract. Whether and how you pay further premiums is detailed in the insurance policy.

When does cover start and when does it end?
The insurance cover starts at the beginning of the insured journey and ends at end of the journey, though no later than the theagreed date of insurance expiry.

How do I cancel the contract?
Your contract ends with the end of your journey, at the latest on the agreed date of insurance expiry. There is no special right tocancellation.

Travel insurance
Information sheet on insurance products
HanseMerkur Reiseversicherung AGGermany
HRB Hamburg 19768

Travel liability insuranceThis information sheet gives you a brief overview of your insurance cover. This information is not exhaustive. Details on your insurance
contract can be found in the insurance terms and conditions, and policy we provide you with. To make sure that you are fully informed,
please read through all documents

What type of insurance is it?
We are offering you travel liability insurance. Are you made responsible for damages? This insurance protects you against financial risk,
which is connected with claims for damages of third parties, during your journey.

What is insured?
The object of this insurance is to check claims against you forliability claims, to satisfy legitimate claims and to ward off illegitimate claims.
The Travel liability iInsurance covers the major liability risks
during your trip. This includes, for example, damage caused byyou:

when on the street as a pedestrian or cyclistwhile practising a sport

as resident of a rented holiday apartment or holiday
house

What is not insured?
Certain risks are not insured. For this you need a separate protection. This includes, for example:

Driving motor vehicles
Keeping animals
We only pay for damage in addition up to the agreed
sums insured. If a deductible was agreed, it will beconsidered by every insured event.

Are there limitations to the coverage?
Not insured are damages::!
!
!

because of intentional acts
between co-insured persons
by the usage of compulsory insured motor vehicle oraircraftWhere am I insured?

The insurance cover is valid for travel within the area covered by the policy.

What obligations do I have?
When you take out the insurance, you must answer all questions truthfully.

Inform us immediately about every claim, even if no claims for damages have been brought against you.

When and how do I pay?
The premium is payable immediately upon conclusion of the contract. You pay via the payment method you selected when you
concluded the insurance contract. Whether and how you pay further premiums is detailed in the insurance policy.

When does cover start and when does it end?
The insurance cover starts at the beginning of the insured journey and ends at the agreed time, though no later than the end of
the journey.

How do I cancel the contract?
Your contract ends with the end of your journey, at the latest on the agreed date of insurance expiry. There is no special right tocancellation.

Travel insurance
Information sheet on insurance products
HanseMerkur Reiseversicherung AG
Germany
HRB Hamburg 19768

Travel accident insuranceThis information sheet gives you a brief overview of your insurance cover. This information is not exhaustive. Details on your insurance
contract can be found in the insurance terms and conditions, and policy we provide you with. To make sure that you are fully informed,please read through all documents

What type of insurance is it?
We are offering you travel accident insurance. It protects you against risks due to accidental injuries.

What is insured?

Insured are accidents during the journey. An accident
occurs e.g., if the insured Person is injured because hestumbles, slips or crashes.

What is not insured?



Illnesses (e.g. diabetes, arthritis, stroke)
Costs of treatment by a doctor
Property damage (e.g. glasses, clothing)

Are there limitations to the coverage?

The types of benefits and the sums insured are agreed
with you in the insurance policy!
!
!
!

Accidents due to alcohol and drug use
Accidents due to alcohol and drug use
Damaged discs
Infections and intoxications

Where am I insured?

The insurance cover is valid for travel within the area covered by the policy.

What obligations do I have?
When you take out the insurance, you must answer all questions truthfully.

If an insured event occurs, there are some obligations you need to fulfil. Amongst other things the prerequisite for our servicesare that you contact us immediately by telephone or in any other way to our worldwide emergency service. The telephone
number can be found under "Important information in case of damage" in your contract documents or on our website.

When and how do I pay?
The premium is payable immediately upon conclusion of the contract. You pay via the payment method you selected when you
concluded the insurance contract. Whether and how you pay further premiums is detailed in the insurance policy.

When does cover start and when does it end?
The insurance cover starts at the beginning of the insured journey and ends at end of the journey, though no later than theagreed date of insurance expiry.

How do I cancel the contract?
Your contract ends with the end of your journey, at the latest on the agreed date of insurance expiry. There is no special right tocancellation.

Travel insurance
Information sheet on insurance products
HanseMerkur Reiseversicherung AG
Germany
HRB Hamburg 19768

Luggage insuranceThis information sheet gives you a brief overview of your insurance cover. This information is not exhaustive. Details on your insurancecontract can be found in the insurance terms and conditions, and policy we provide you with. To make sure that you are fully informed,
please read through all documents

What type of insurance is it?
We are offering you luggage insurance. With this we take care that damage to your luggage will be financially replaced.

What is insured?
Insured are items of the personal travel requirements



Against loss of, destruction and damage, as long as thebaggage is in the custody of a transport company.

During the remaining travel time against theft, burglary,robbery, transport accident, natural disasters and force
majeure.

What is not insured?

Routes to and from the place of work of the insured
person are not considered as a travel

Thefts from motor vehicles are only insured between 6
a.m. and 10 p.m.

What will be replaced?

In the event of loss or destruction of insured property,
we will replace the insured value at the time the damage
occurred

The insured value is the amount required to purchasenew items of the same type and quality, less an amountcorresponding to the condition of the items.



If insured objects are damaged, we will replace thenecessary repair costs.

Are there limitations to the coverage?

!

Not insured are money, securities, tickets, certificatesand documents!

The insurance does not cover damage due to oblivion,
leaving or losing

What is the sum insured?

The insured sum corresponds to the chosen tariff.

Where am I insured?

The insurance cover is valid for travel within the area covered by the policy.

What obligations do I have?
When you take out the insurance, you must answer all questions truthfully.

If an insured event occurs, there are some obligations you need to fulfil. Amongst other things you have to take suitablemeasures to prevent the damage from occurring or to minimize it. The damage had to be kept low and necessary costs avoid.
Please understand that you have to do everything that may be useful for clarifying the facts. Damage caused by criminal acts
must be reported to the responsible police department.

When and how do I pay?
The premium is payable immediately upon conclusion of the contract. You pay via the payment method you selected when you
concluded the insurance contract. Whether and how you pay further premiums is detailed in the insurance policy.

When does cover start and when does it end?
The insurance cover starts at the beginning of the insured journey and ends at the end of the journey, though no later than theagreed date of insurance expiry.

How do I cancel the contract?
Your contract ends with the end of your journey, at the latest on the agreed date of insurance expiry. There is no special right tocancellation.