Terms and conditions for health insurance – Incoming
Dear customer,
The scope of the insurance cover is set out in the insurance certificate, in any separate written agreements, in these insurance
terms and conditions, and in the statutory provisions of the Federal Republic of Germany. In these insurance terms and conditions, policyholders and insured persons are referred to as “you”. You are a policyholder if you have taken out an insurance
policy with Advigon. You are an insured person if, for example, you have been insured as a travel companion of the policyholder.
You can be both an insured person and a policyholder. These insurance terms and conditions apply to you as a policyholder
or to you as an insured person.

ADAKVI8 02.21

Your insurance terms and conditions comprise 3 sections.
Section I contains an overview of the types of benefit and the levels of premium associated with them.
In Section II, you will, in particular, find explanations about the insured persons, time limits for taking out insurance and premium
payments.
The full description of the types of benefit can be found in Section III.

Advigon Versicherung AG

Postfach 1130

Drescheweg 19490 Vaduz

1

LIECHTENSTEIN

www.advigon.com

Table of contents

Page

Section I – Overview of benefits
Insured benefits

2Section II – General provisions
1

Policyholder, insurable person and eligibility

3

2

Taking out insurance, commencement, duration and termination of the policy and insurance cover3

3

Scope of the insurance cover

44

What requirements must be met when paying the premiums?

45What requirements must be met when the benefit payment is made?

4

6

Which legislation is applicable and when do claims under the policy expire? To whom do the provisions apply?

4

7

Offsetting

48What should be considered when contacting us?

4

Section III – Description of benefits
1

Scope of insurance

4

2

Insured benefits

53Limitations of insurance coverage

64General obligations and consequences of breaches of obligations

6

Section I – Overview of benefits
The full description of the insured benefits and events is provided in the relevant clauses of Section III Description of benefits.
Insured benefits
The amount of the benefit depends on the plan that you selectDeductible per insured event
Out-patient medical treatments in accordance with the fee schedule set out
2.1.1
in section III 1.2

Plan
EconomyEUR 25

Plan
Economy Plus
None

Plan
First Class
None

100%

100%

100%

EUR 250

EUR 500

100%

2.1.2

Dental treatment for pain relief in accordance with the fee schedule set out
in section III 1.2 per insured event

2.1.3

Medications and surgical dressings

100%

100%

100%

2.1.4

Radiation therapy, light therapy and other physical treatments

100%

100%

100%

2.1.5

Massages, mud packs, inhalation therapies and physiotherapy

Not insured

Not insured

100%

2.1.6

Therapeutic aids following an accident

100%

100%

100%

2.1.7

Visual aids

Not insured

Not insured

EUR 200

2.1.8

X-ray tests

100%

100%

100%

2.1.9

Operations

100%

100%

100%

2.1.10In-patient medical treatment under general care insurance (multiple-bedroom) without optional services (treatment by private doctor)

100%

100%

100%

2.1.11

Rehabilitation measures

Not insured

100%

100%

2.1.12

Screening check-ups for early detection of cancers per insurance year

Not insured

Not insured

EUR 200

2.1.13Outpatient psychoanalytical and psychotherapeutic treatments (up to 5
sessions per policy year)

Not insured

EUR 500

EUR 1,000

2.2.1

Dentures following an accident per insurance year

Not insured

EUR 500

EUR 2,000

2.2.2

Up to 50% of the cost (where eligible) for dentures, per insurance year

Not insured

Not insured

EUR 2,000

2.3.1

Treatment for pregnancy and treatment during premature birth

Not insured

100%

100%

2.3.2

Pregnancy screenings per insurance year
Deliveries, including screening and treatment costs by midwives

Not insured

100%

100%

2.4.1

Ambulance services for treatment in a hospital

100%

100%

100%

2.4.2

Medically sanctioned repatriation

100%

100%

100%

2.4.3

An accompanying person during repatriation

Not insured

100%

100%

2.5

Repatriation of mortal remains to the home country or funeral in the Federal Republic of Germany

EUR 10,000

EUR 10,000

100%

2

2.6

Hospital visit where the stay in hospital exceeds 14 days

2.7

Follow-up liability until ability to travel is regained

Not insured

EUR 500

EUR 1,000

100%

100%

100%

Health insurance - Incoming
benefits are provided for insurance cases that arose before the startof insurance cover or before the waiting period elapsed.

Section II – General provisions
1
Policyholder,insurance eligibility
1.1

-

1.3
1.3.1
1.3.2

1.3.3
1.4

personsand

2.3 Duration
The insurance applies for the agreed duration. The longest possible
insurance term, depending on the plan chosen, is 3 to 5 years. The
maximum insurance period is also applicable under consideration
similar insurance contracts that were not previously held with Advigon.

The policyholder is the natural or legal person who has takenout the policy with Advigon. The insured persons are thosereferred to by name in the insurance certificate for whom thepremium was paid. Newborn infants of insured persons shallbe included in the policy after birth, on the same plan as theirparents. This is subject to the following conditions:-

1.2

insurable

2.4 Termination
The statutory provisions concerning the right to termination for cause
remain unaffected by these agreements. The insurance cover ends
upon termination of the insurance contract. The insurance contract
also ends for insured events not yet concluded or pending

they are insured with Advigon within 2 months of the day ofbirth with retrospective effect, andthe insurance contract was concluded at least 3 months
earlier without interruption andno other insurance cover exists.

2.4.1
2.4.2

The following persons are insurable if, at the time of application, they are below the age of 75 and are foreign nationals
with permanent residence abroad and temporarily visiting theFederal Republic of Germany or one of the countries listed
in Clause 3.1:
au pairs, pupils, language students, students, scholarship
holders, postgraduate students, guest scientists, trainees,
volunteer helpers, exchange students and participants in
Work & Holiday programmes, persons who are demonstrably
visiting to pursue further education, or tourists.
The following persons are not eligible and will not be insured,
even if payment of contributions is made:persons subject to mandatory health and/or care insurance
in the country of destination;
persons permanently in need of care as well as persons
whose participation in everyday life is permanently excluded.
The mental condition and objective living conditions in particular of said persons shall be taken into account as regards
classification. Persons in need of care are those persons wholargely require external assistance to complete everyday
tasks;
persons practising a professional sport.
The insurance contract cannot be signed for persons who do
not fulfil the requirements of Clauses 1.1 and 1.2, even if thepremium is paid. If, however, the premium is paid for these
persons, a refund is available to the person paying the premium.

2.4.3
2.4.4

at the agreed time;with the death of the policyholder; the insured persons may
extend the insurance policy within 2 months of the policyholder’s death by nominating a future policyholder;if the eligibility criteria are no longer met;in the event of repatriation to the nearest suitable hospital inyour home country.

2.5 Insurance year and waiting periods
2.5.1 An insurance year is considered to be a period of 12 months.
The first insurance year commences on the date the insurance policy begins. If a benefit which is limited per insurance
year is claimed in an insurance year, insurance cover for thisbenefit once the benefit limit is reached is restored only after
this insurance year elapses. If a benefit is limited per insurance year, insurance cover for this benefit continues until thebenefit limit is reached, even if the contract duration is lessthan 12 months.
2.5.2 If the insurance cover or benefits entail waiting times, these
are calculated from the start of insurance. Unless special
waiting times are specified below, the general waiting time is
31 days. The general waiting time does not apply if the application is made within 31 days of arrival. The date of arrival
must be proved on request from Advigon. The waiting time
also does not apply to accidents or to medical interventions
to avert acute mortal danger. A comparable prior insurance
policy that existed following arrival without interruption up towhen this insurance commenced is counted against the general waiting time. The limitations on the obligation to pay benefits under section III 3 (Limitations to the insurance cover)and the special waiting times continue without restriction.

2 Taking out insurance, commencement, duration and termination of the policy and insurance cover

3 Scope of the insurance cover

2.1 Taking out insurance and commencement of the policy
2.1.1 The application for an insurance contract may be made at
any time. It must be concluded for the total remaining periodof the stay.
2.1.2 The insurance contract is concluded when Advigon has received the correctly completed application form for this andhas sent you confirmation of insurance. The application is
only considered correctly completed when it contains all therequested information in an unambiguous and complete
form.
2.1.3 If clauses 2.1.1 or 2.1.2 are not fulfilled, the insurance contract is not valid even if the premium is paid. In this case, theperson paying the premium is entitled to a refund.

3.1

3.2

2.2 Commencement of insurance cover
The insurance cover begins on the date indicated on the insurance
certificate (commencement of insurance), after the waiting periods
have elapsed. The prerequisite for this is that the policy is valid. No

The insurance cover applies during the temporary stay inGermany and for temporary trips outside Germany. The latter includes temporary trips within the European Union, to theUnited Kingdom and Northern Ireland, to the Schengencountries, Andorra, Monaco, San Marino and Vatican City. A
temporary return to your home country is excluded from theinsurance cover. Home country as per this condition is considered your permanent residence before your temporary
stay abroad.
For insurance contracts lasting at least 5 months, insurance
cover also applies during a temporary return to your homecountry, notwithstanding clause 3.1. Insurance cover in yourhome country is limited to a maximum of 6 weeks for all stays
in the home country per year of insurance.

4 What requirements must be complied with when paying thepremiums?

3

6. Which legal jurisdiction applies, and what is the limitation period for claims from the policy?
To whom do the provisions apply?

4.1 Premium amountThe premium for an insured person is shown by the premium overview.
4.2 Payment of the first or one-off premium
4.2.1 The first or one-time premium is due at the start of thecontract.
4.2.2 If you fail to pay the first or one-off premium on time, youhave no initial insurance cover, unless the non-payment ordelayed payment is for reasons outside of your control. If thereason for the failure to make payment on time is within yourcontrol, however, insurance cover starts only after payment.
4.2.3 In addition, Advigon will be entitled to terminate the contract
so long as the premium remains unpaid. This does not apply
if the reason for non-payment is beyond your control.

The German Insurance Contract Act (VVG) and in principle the lawsof the Federal Republic of Germany apply in addition to these provisions, unless international law states otherwise. Any claims arisingfrom this insurance contract expire in 3 years. Expiry by limitation ismeasured from the end of the year in which the claim can be made.
When you make a claim, the limitation period will be suspended until
you receive a written decision from Advigon.
All provisions of the insurance policy also apply mutatis mutandis tothe insured persons.
Information on data protection: We save personal data concerning
you in order to perform the contract. You can find further information
on data protection and your rights in this regard at: www.advigon.com/en/privacy-policy. Alternatively, feel free to request this information from us.

4.3 Payment of subsequent premiums
4.3.1 If the subsequent premium is not paid on time, Advigon will
send you a reminder and will set a time limit of 2 weeks.
4.3.2 If you have still not made the payment when this deadline
expires, Advigon is entitled to terminate the contract, if it has
drawn your attention to this when the reminder was sent.
4.3.3 If Advigon has terminated the policy and you pay the amountdemanded within one month of receiving the termination, thepolicy shall continue. However, no insurance cover is provided for insurance events that have occurred between thedeadline and the payment.

7 Offsetting
Counter-claims may be offset against claims of Advigon only if thecounter-claim is uncontested or legally established.
8 What should be considered when contacting us?
All notifications and statements intended for Advigon should be directed in writing to the address stated in the insurance certificate. The
language of the policy is German.

4.4 Collection of premiums
If you have agreed to the premium being collected from your accountby direct debit, this will take place as soon as the mandate has been
set up. The payment is considered to have been made in a timely
manner if Advigon can collect the premium on the due date, and you
do not dispute collection of the correct payment.
If Advigon is unable to collect the premium due for a reason beyond
your control, the payment shall still be considered to be on time if
payment is made immediately upon receipt of the written reminderfrom Advigon.

Section III – Description of benefits
1 Scope of insurance
1.1

Medically necessary treatment of an insured person due toillness or accident is considered to be an insured event. The
insured event starts with your treatment. It ends once it is
medically established that no further treatment is needed. If
the treatment needs to be extended to an illness or consequences of an accident that is not causally linked to treatment up to that point, a new insured event shall be considered to have occurred. Also considered as an insured eventis the death of the insured person, as well as necessary treatments for complaints during pregnancy, premature birth up
to the 36th week of pregnancy, miscarriages, medically necessary terminations of pregnancy if the necessity of treatment had not existed at the time the policy commenced andout-patient check-ups.
During your stay, you have free choice of the doctors, dentists and hospitals recognised and accredited in the countryof destination. Hospitals must be under permanent medical
management. They must have sufficient diagnostic and therapeutic facilities and manage case histories. These hospitals
may not carry out any spa treatments or sanatorium treatments, nor may they accept reconvalescents. Advigon reimburses the costs arising in accordance with clause 2 (Insured
benefits).
In Germany, Advigon reimburses the costs for medically necessary medical treatment up to the so-called threshold values of the German Scale of Medical Fees (GOÄ) and theGerman Scale of Fees for Dentists (GOZ). The following are
deemed to be the so-called threshold levels for payments

4.5 Calculation of premium
How the premium is calculated is set out in the basic technical calculation criteria of the insurer. If the premiums change, including due toa change in the insurance cover, the premium-related age (agegroup) reached by the insured person when the change enters into
force
is
taken
into
account.
5. What requirements must be met when the benefit payment is
made?

1.2

5.1 Due date of the payment
Once the proof of insurance and premium payment are available andAdvigon has confirmed the amount of benefit and its liability to pay it,
Advigon will pay this within 2 weeks.
If the liability to pay is confirmed, but the amount of benefit has notbeen established within one month of receipt of the claim form by
Advigon, a reasonable down-payment on the benefit can be demanded.
If official enquiries or a criminal prosecution have been initiatedagainst you in connection with the insured event, Advigon can postpone the settlement of the claim until the legal conclusion of this process.

1.2.1

5.2 Costs incurred in foreign currencies
Advigon converts the costs using the euro exchange rate valid on the
day the records are received. The official exchange rate applies unless the currency to pay the bills was acquired at a less favourable
rate.
Advigon is entitled to deduct additional costs that arise if Advigon
needs to make transfers abroad or if particular forms of payment arerequested by you.

-

5.3 Benefits from other insurance policies
If, in the case of an insured event, a benefit can be claimed fromanother insurance policy, that other policy shall take precedence. If
the insured event is reported to Advigon first, Advigon will make anadvance payment and will contact the other insurer directly regarding
cost-sharing.

1.2.2

4

according to the fee schedule for dentists (GOZ), 2.3 times
the fee rate,according to the fee schedule for doctors (GOÄ) pursuant
to no. 437 and Section M (laboratory services) of the feeschedule for doctors,1.15 times the fee rate,according to Sections A, E and O (technical services), 1.8
times the fee rate,
for all other services of the GOÄ, 2.3 times the fee rate.
If you have purchased the First Class plan, costs will be covered up to the highest rates in the German Regulations on
Scales of Fees for Medical Doctors (GOÄ) and for Dentists(GOZ).
Outside Germany, Advigon assumes the costs arising frommedically necessary treatment, if the fees were based on therelevant official current fee schedule – if available – or based

1.3

on fees generally charged for similar medical care in the local
area.
Advigon only pays for diagnostic and treatment methods andmedications that are universally or generally recognised byconventional medicine. In addition, it pays for methods andmedications which have proved equally promising in practice, or which are used because no conventional methods ortreatment are available (e.g. treatment and prescriptions following the specific therapeutic directions of homeopathy, anthroposophic medicine and phytotherapy). Advigon can,however, reduce payments to the amount that would havebeen incurred by the use of available conventional methods
or medications.

2.3.2

2.4 Transportation costs
2.4.1 Advigon reimburses the costs for ambulance transport to inpatient or out-patient treatment in the nearest suitable hospital and back to the accommodation.
2.4.2 Advigon reimburses the additional costs of repatriation to thenearest suitable hospital to your place of residence, provided
the return transport is medically appropriate and reasonable.
2.4.3 Advigon shall also assume the costs for a companion as wellas the presence of a doctor if this is required, provided thispresence is medically necessary, required by the authorities,
or required by the transport company involved.

2 Insured benefits
If an insured event occurs, Advigon provides the following benefits, if
they are insured under the plan selected by you, the insured event
occurred after the start of insurance cover, and the waiting times
have elapsed. An overview of these can be found in Section I of theseinsurance terms and conditions.
If benefits for aids are foreseen in the plan selected, the following
objects are considered to be aids: Bandages, trusses, inlays,
crutches and compression stockings, hearing aids, corrective splints,
artificial limbs/prostheses, cradles and seat shells, lifts with disabled
access, breathing monitoring equipment, infusion pumps, inhalation
devices, oxygen monitors, baby monitors, orthopaedic back, arm andleg support apparatus and speech devices.

2.5 Repatriation of mortal remains and funeral costs
Advigon reimburses the necessary additional costs that arise in theevent of the death of an insured person through the transfer of thedeceased to the home country, or assumes the cost of burial in Germany up to the level of costs that would have been incurred for therepatriation of mortal remains.

2.1 Treatment expenses
Medical treatment within the meaning of these terms and conditions
is defined as medically necessary
2.1.1
2.1.2

2.1.3
2.1.4
2.1.5
2.1.6
2.1.7
2.1.8
2.1.9
2.1.102.1.112.1.122.1.13

2.6 Hospital visit
If it is clear that the insured person will have to stay in a hospital for
longer than 14 days, Advigon shall, upon request, arrange for a relative or friend of the insured person to travel to the location of the hospital and back to their place of residence and shall cover the transport
costs for the round trip. This is, however, provided that the in-patient
treatment has not been completed by the time the relative or friend
arrives.

outpatient treatment by a doctor;
pain-relieving, preservative dental treatment, including simple fillings as well as repairs of existing dental prostheses,
provided these are carried out or prescribed by a dentist, as
well as repairs to braces (retainers) that cannot be delayedor their adjustment if pain occurs;
medication and dressings prescribed by a doctor (medication
does not include nutritional products and tonics or cosmetic
preparations even if prescribed by a medical practitioner);radiation therapy, light therapy and other physical treatments
prescribed by a doctor;
massages, medicinal packs, inhalations and physiotherapy
prescribed by a doctor;
basic aids prescribed by a doctor that are required for the firsttime solely as a result of an accident and used to directly treat
the consequences of the accident;
visual aids such as glasses and contact lenses, after a waiting time of 6 months, if vision has changed by at least 0.5
dioptres;
X-ray tests;
surgery that cannot be postponed;
in-patient medical treatment that cannot be delayed undergeneral care insurance (multiple-bed room) without optional
services (treatment by private doctor);
medically necessary rehabilitation measures;
screening check-ups for the early diagnosis of cancers in accordance with statutory programmes introduced in Germany,
after a waiting time of 6 months has elapsed;
out-patient psycho-analytical or psycho-therapeutic treatment.

2.7 Follow-up liability
If an illness contracted during a stay abroad requires further treatment which extends beyond the end of the insurance coverage because the insured person is demonstrably unable to return home,
Advigon is required under these terms and conditions to continue toprovide coverage until such time as the person is able to travel again.
3 Restrictions to insurance cover
3.1 Deductible and restrictions of cover
3.1.1 For the Economy tariff, the agreed deductible amounts to
EUR 25 per insured event.
3.1.2 If a medical treatment exceeds the medically necessary levelor if the expenses for medical treatment exceed those generally charged for similar medical care in the local area, Advigon can reduce the benefits to a reasonable level.
3.2 Exclusions of cover
Advigon does not pay out
3.2.1 if you have wilfully brought about the insured event or attempt
to make fraudulent representations to us as to the circumstances which are material to the grounds for providing coverand the amount of insurance benefits;
3.2.2 for treatment that was the sole reason or one of the reasonsfor commencing the trip;
3.2.3 for treatment and other measures ordered by a physician
which the insured person knew to be necessary before theirstay in the agreed scope of cover or at the time of taking out
the insurance or which the insured person had to expect in
the circumstances of which he or she was aware;
3.2.4 for such illnesses, including their consequences, or consequences of accidents which were caused by foreseeable actsof war or active participation in civil unrest and were not explicitly included in the insurance cover; acts of war or internal
unrest are considered to be foreseeable if the Foreign Officeof the Federal Republic of Germany – before the start of thejourney – issues a warning against travel for the country inquestion;
3.2.5 for spa and sanatorium treatments, unless these treatments
result from an insured, entirely in-patient hospital treatment

2.2 Dental replacement benefits
Dental replacements in the terms of this plan include pivot teeth, inlays, crowns, bridges, orthodontic treatment, functional analysis andfunctional therapeutic measures and implant dental treatments.
2.2.1
2.2.2

(premature birth), treatment relating to a miscarriage, and a
medically necessary abortion. The prerequisite for this is thatthe necessity for treatment was not yet determined when theinsurance contract started.
If the pregnancy had not yet started at the beginning of theinsurance contract, Advigon reimburses the costs for pre-natal screenings and childbirth. The costs for childbirth are only
reimbursed after a waiting time of 8 months. The reimbursement of corresponding examination and treatment costs bymidwives is possible only if the costs are not also charged
concurrently by a doctor.

Advigon reimburses the costs of a denture that has become
necessary for the first time due to an accident during the insured period.
Advigon reimburses 50% of the eligible cost of a basic, medically necessary denture after a waiting time of 6 months.

2.3 Insurance benefits in the event of pregnancy andbirth
2.3.1 Advigon reimburses the costs that arise from medically necessary pregnancy treatment brought about by symptoms,childbirth up to the end of the 36th week of pregnancy

53.2.6
3.2.7

3.2.8

3.2.9
3.2.103.2.11
3.2.123.2.133.2.143.2.153.2.16due to a major stroke, major heart attack or serious skeletal
disease (disc surgery, hip replacement) and serve to shorten
the stay in an acute hospital, and services which were agreed
in writing by the insurer before the start of treatment;
for addiction treatment, including withdrawal treatments;
for out-patient treatment in a spa or health resort; the restriction does not apply if the treatment becomes necessary
due to an accident at the location; for illnesses it does not
apply if you were visiting the spa or health resort only briefly
and were not staying for the purposes of treatment;
for treatments by spouses, parents or children or by persons
with whom you are living in your own home or in a home being visited; documented material costs will be reimbursed according to the plan selected;
for such illnesses, including their consequences or consequences of accidents caused by nuclear energy, or other interventions by authority;
for treatment or accommodation caused by infirmity, a needfor care or custody;
for hypnosis, psycho-analytical and psycho-therapeutic treatment, provided no other regulations exist in the plan selected;
for dental implants, pivot teeth, bridges, crowns, bridges, orthodontic treatment, prophylactic treatment, dental splints
and tracks, treatments and implant dental treatments involving functional analysis and functional therapeutic measures,provided no other regulations exist in the plan selected;
for immunisation measures;for treatments due to disorders and damage to the reproductive organs, including sterility, artificial insemination and associated medical check-ups and follow-up treatment;
for suicide, suicide attempts and their consequences;
for organ donations and their consequences.

4.4.1

4.4.2

4.5 Consequences of non-compliance with obligations
If you deliberately fail to comply with the above-mentioned obligations, Advigon will be released from the obligation to provide benefits.
In the event of failure to meet obligations as a result of gross negligence, Advigon is entitled to reduce the benefit in proportion to theextent proportional to the culpability of the individual. If you demonstrate that you did not fail to meet an obligation as a result of grossnegligence, the insurance cover remains unchanged.

4 General obligations and consequences of breaches of obligations
4.1 Obligation to minimise costs
You have a duty to keep the claim as low as possible and to avoid
anything that could lead to an unnecessary increase in costs. If you
are fit to be transported, you must agree to return transport to yourplace of residence or to the nearest suitable hospital to your place ofresidence, if Advigon approves the return transport according to thetype of illness and the necessity of treatment.
4.2 Obligation to provide information
You must promptly and accurately complete and return the claim
form to Advigon. If Advigon considers it necessary, you have a duty
to allow an examination by a doctor appointed by Advigon to takeplace.
4.3 Obligation to provide proof
You must submit the following proof, which thereby becomes theproperty of Advigon:
4.3.1

4.3.2
4.3.3

4.3.4
4.3.5

Original receipts containing the name of the person treated,the designation of the illness and the information from thedoctor in attendance on the treatment provided showing type,location and period of treatment. If other insurance cover fortreatment costs is available and if this is used first, then copies of invoices noting the refund are sufficient as evidence.
Prescriptions together with the doctor’s invoice and invoices
for medicines and aids together with the prescription.
Proof of the amount of the costs that would have been incurred had the return journey gone as planned, if payments
for return transport are claimed. In addition, a medical certificate from the doctor treating the patient abroad is to be submitted with a detailed substantiation for medically expedientand reasonable return transport.
An official death certificate and a doctor’s certificate which
details cause of death, if costs of repatriation of mortal remains or burial are to be paid.
Further proof and receipts that Advigon requests in order tocheck its obligation to pay, if the procurement of such proof
and receipts can reasonably be expected of you (e.g. proofof the date of arrival).

4.4 Obligation toagainst third parties

secureclaimsforIf you have a basis to claim compensation from a third party,
this right shall be assigned to Advigon, provided that Advigon
will pay the damages. You must protect your claim for compensation or your right to secure this claim, taking into account the applicable formal requirements and deadlines, andassist in pursuing the claim if necessary. If your claim forcompensation is against a person with whom you were living
at the time of the event, the assigned claim cannot be pursued unless this person caused the damage deliberately.
Your claims towards treating personnel who have charged
an excessively high fee will be transferred to Advigon if thelatter has reimbursed the costs. If necessary, you have a duty
to assist in pursuing the claims.

compensation

6