Head office:Siegfried-Wedells-Platz 1 • D-20354 Hamburg
Insurance terms and conditions for travel insurance
VB-RS 2021 (SFE18-D)
We are HanseMerkur Reiseversicherung AG and our headquarters are located in Hamburg. You are our contract partner, referred to as thepolicyholder, if you have taken out an insurance policy with us.
If you have insured yourself, you are also the insured person. You may also have (jointly) insured other persons. We also refer to any such
persons in these insurance terms and conditions as “you”.
For ease of readability, we use the masculine form as standard. This is always intended to include the feminine form.

Section I – Overview of benefits
The types of insurance specified below are only valid if they are included in the insurance cover you have selected. The full description of theinsured benefits and events is provided in the relevant clauses of Section III Description of benefits.
HAFT Insured benefits for liability insurance
1.1
Investigation of liability and settlement of justified claims
1.2
Sureties in the event of annuities due
1.3
Costs of a legal dispute
Insured events
Damage caused by you
2.1
Everyday liability risks
EUR 3 million
2.2
Liability claims for damage to rented property, per insured eventa) Immobile objects
EUR 25,000b) Mobile objects
EUR 10,000
2.3
Damage to the household of the host family
EUR 10,000
2.4
Loss of keys
EUR 500
2.5
Professional liability
EUR 25,000
Deductible
In the cases under clauses 2.1, 2.2 a), 2.3 and 2.4, a deductible of EUR 25 will be deducted from the calculated damage amount. In the cases underclause 2.2 b) and 2.5, a deductible of 10%, at least EUR 100, will be deducted from the calculated damage amount.

VB-RS 2021 (SFE18-D) 2021.01.27

UV Insured benefits for travel accident insurance
Sums insured
1.1
In the event of disability
1.2
In the event of death
1.3
For rescue costs
1.4
For cosmetic surgery costs

EUR 100,000
EUR 50,000
EUR 5,000
EUR 5,000

RGV Insured benefits for travel luggage insurance
Scope of cover
The insurance cover applies worldwide. Drives, walks and stays within the permanent place of residence of the insured person shall not be regarded
as travel. When travelling in a motor vehicle, if luggage is not unloaded at once after arrival at the normal place of residence, the insurance cover
terminates on arrival.
Insured events
2.1
Damage to luggage entrusted to third parties
2.2
Overdue delivery of luggage
2.3
Criminal acts by third parties
2.4
Damage sustained as a result of a traffic accident
2.5
Damage by fire, explosion or natural events
Sums insured
EUR
For each insured damage event, we pay up to a maximum sum insured of
3,000
Compensation limits
For the items specified below, compensation is limited to the following amounts:
Furs, jewellery, items made of precious metals, photographic and film equipment
1,000
IT equipment and electronic communication and entertainment systems, including accessories
1,000
Golf and diving equipment, bicycles, including accessories
500
Surfboards, windsurfing equipment, including accessories for the aforementioned items
500
Musical instruments, including accessories (if taken on the trip for private purposes)
250
Glasses, contact lenses, hearing aids
250
Emergency purchases due to overdue delivery of luggage
500
We will refund the value of the material in the case of films, video, sound and data media.
We will refund the administrative fees for identity cards, passports, motor vehicle documentation, and other types of ID.
Insured property
Luggage Items regarded as luggage are personal effects taken on a trip, as well as gifts and souvenirs that you purchase during a trip. Items thatare taken on the trip or purchased during the trip solely for professional purposes are not insured.
Sports equipment, including accessories (but excluding engines), is only insured during periods when such equipment is not being used for its
intended purpose.
Valuables within the meaning of these provisions are furs, jewellery, items made of precious metals, photographic and film equipment, IT
equipment, electronic communication and entertainment systems in each case including accessories.

Items not insured
Not covered are cash, cheques, debit cards, credit cards, telephone cards, securities, tickets, certificates and documents of all kinds, objects ofprimarily artistic or collector value, dental gold, prostheses of any kind, firearms of any kind, including accessories, and land-based vehicles, aircraft
and watercraft, hang-gliders, paragliders, parachutes, or accessories for the aforementioned items.
Deductible
For IT equipment and electronic communication and entertainment systems, including accessories, the deductible is EUR 100 per insured event.
For the other items, the deductible amounts to EUR 25 per insured event.

Section II – General provisions
1. Policyholder, insurable persons and eligibility
1.1

1.2

1.3
1.3.1

The policyholder is the natural or legal person who has takenout the policy with us. The insured persons are those referred
to by name in the insurance certificate for whom the premium
was paid.
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 the Federal Republic of Germany or one of thecountries listed in Clause 3.1:
au pairs, pupils, language pupils, 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 are not eligible and will not be insured, even if
payment of contributions is made:3. Scope of the insurance cover

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 inparticular of said persons shall be taken into account as
regards classification. Persons in need of care are those
persons who largely require external assistance to complete
everyday tasks;

4.2.2

1.3.2

Persons practising a professional sport.

1.4

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 thepremium.

The insurance cover applies during the temporary stay in Germany
and for temporary trips in the countries of the European Union, GreatBritain and Northern Ireland, the Schengen countries, Andorra,
Monaco, San Marino and the Vatican City, but not in your homecountry. Home country as defined in this condition means yourpermanent residence before your temporary stay in Germany.
4. What requirements must be met when paying the premiums?
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

4.2.3

4.3 Payment of subsequent premiums
4.3.1
4.3.2

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

4.3.3

2.1 Taking out insurance and commencement of the policy
2.1.1
2.1.2

2.1.3

The first or one-time premium is due at the start of thecontract.
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.
We shall also be entitled to withdraw from the contract for as
long as the premium remains unpaid. This does not apply if
the reason for non-payment is beyond your control.

The application for an insurance contract may be made at
any time. It must be concluded for the total remaining periodof the stay.
The insurance contract is concluded when the correctlycompleted application form, which we have provided for thispurpose, has been received by us and we have sent you an
insurance confirmation. The application is only consideredcorrectly completed when it contains all the requested
information in an unambiguous and complete form.
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,the person paying the premium is entitled to a refund.

If the subsequent premium is not paid on time, we will send
you a reminder and will set a time limit of 2 weeks.
If you have still not made the payment when this deadline
expires, we are entitled to terminate the contract, if we havedrawn your attention to this when the reminder was sent.
If we have terminated the policy and you pay the amountdemanded within one month of receiving the termination, thepolicy shall continue. However, no insurance cover isprovided for insurance events that have occurred between
the deadline and the payment.

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 we can collect the premium on the due date, and you do
not dispute collection of the correct payment.
If we cannot collect the premium due for a reason beyond yourcontrol, the payment shall still be considered to be on time if payment
is made immediately upon receipt of the written reminder from us.

2.2 Commencement of insurance cover

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

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

5.1 Due date of the payment
Once the proof of insurance and premium payment are available andwe have confirmed the amount of benefit and our liability to pay it, we
will pay within 2 weeks at the latest.
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 us,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, we can postpone
the settlement of the claim until the legal conclusion of this process.

2.3 Duration
The insurance applies for the agreed duration. The longest possible
insurance term is 5 years. The maximum insurance period also
applies taking into account similar insurance contracts that were notpreviously held with us.
2.4 Termination

5.2 Costs incurred in foreign currencies

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
2.4.1 at the agreed time;
2.4.2 with the death of the policyholder; the insured persons may
extend the insurance policy within 2 months of thepolicyholder’s death by nominating a future policyholder;
2.4.3 if the eligibility criteria are no longer met;

We convert the costs using the euro exchange rate valid on the day
the records are received. The official exchange rate applies unlessthe currency to pay the bills was acquired at a less favourable rate.
We are entitled to deduct additional costs that arise if we need tomake transfers abroad or if particular forms of payment are requested
by you.

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limitation is measured from the end of the year in which the claim canbe made. If a claim has been made by you, the expiry period issuspended until our decision is sent to you in writing.
All provisions of the insurance policy also apply mutatis mutandis tothe insured persons.

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 us first, we shall make an advancepayment and will contact the other insurer directly regarding cost
sharing.

7. Offsetting

6. Which law applies and what is the limitation period for
claims?
To whom do the provisions apply?

Counter-claims may be offset against our claims only if the counterclaim is uncontested or legally established.
8. What should be considered when contacting us?

The German Insurance Contract Act (VVG) and in principle the lawsof the Federal Republic of Germany apply in addition to theseprovisions, unless international law states otherwise. Any claims
arising from this insurance contract expire in 3 years. Expiry by

All notifications and statements intended for us should be made inwriting and directed to the address stated in the insurance certificate.
The language of the policy is German.

Section III – Description of benefits(depending on the scope of insurance selected)
2.1.4

HAFT – Travel liability insurance
1. What insured benefits are provided by your travel liability
insurance?

2.1.5

If the insured event occurs (see clause 2.For limitations see
clause 3.), the following benefits are provided up to the level of thesums insured stated in Section I.
2.1.6

1.1 Investigation of liability and settlement of justified claims
Our services include investigation of liability and subsequent defence
against unjustified claims or, in the event of a justified claim,
reimbursement of the compensation to be paid by you. A justified
claim shall be deemed to exist based on a declaration of
acknowledgement issued or approved by us, a settlement concluded
or approved by us, or a court order. Should the settlement of a liability
claim as requested by us by means of acknowledgement,
appeasement or settlement fail due to conduct on your part, we shallnot be liable for the additional expenses for compensation, interest
and costs incurred from the point of refusal.
Should we desire or approve the appointment of a defence lawyer for
you as part of criminal proceedings based on an event that may resultin a liability claim falling under the insurance cover, we shall bear the
lawyer’s fees in accordance with the fee schedule, or higher costs if
specifically agreed with us in advance.

2.1.7

2.1.8

1.2 Sureties in the event of annuities due
Should you be legally required to provide a surety on the basis of anannuity due as a result of an insured event, or should you be granted
the option to avoid enforcement of a court judgement by providing asurety or escrow, we undertake to provide the surety or escrow on
your behalf.

as a rider or driver when using third-party horses and carts
for private purposes (liability claims of the animal’s keeper orowner against the insured person and/or the policyholder are
not covered);through the ownership and use of aircraft models, unmanned
balloons and gliders, which are powered neither by motors
nor by propellants, whose weight in flight does not exceed 5
kg and for which there is no insurance obligation;
through the ownership and use of own or third-party rowing
or pedal boats as well as third-party sailing boats which are
powered neither by motors (including outboard motors) nor
by propellants, and for which there is no insurance obligation;arising out of the ownership, possession, maintenance or useof own or third-party surf boards for sporting purposes;
however, the legal liability of the insured person from renting,borrowing or other transfer of use to third parties is
excluded.
from working as an au pair. If the insured person is working
as an au pair on the basis of a written contract, the private
liability insurance does include professional liability
insurance, in derogation of clause 3.1.3. In this case, only
liability claims that are on the basis of activities that theinsured person is allowed to practise on the basis of his or
her level of education or training are insured. This insurance
cover only applies, however, if claims are made against theinsured person and the insured person has no other or only
inadequate insurance cover, e.g. as part of a private liability
insurance of the host family.

2.2 Liability claims for damage to rented property
In derogation of clause 3.2.4, the insurance also covers damage torented property. In this connection, the insurance cover extends toeveryday liability risks- as the user of rooms in buildings temporarily rented for private
purposes to stay during travel (e.g. hotel and B&B rooms, holiday
apartments, bungalows, in he case of au pairs he home of thehost family)
as well as rooms whose use is foreseen and allowed inconnection with accommodation (e.g. dining rooms, joint
bathrooms),
as well as damage to mobile furnishings (e.g. furniture,
household textiles, dishes)
up to the amounts stated in Section I.

1.3 Costs of a legal dispute
Should the insured event lead to a legal dispute regarding the claim
between you and the injured party or their legal successor, we shalldeal with the legal dispute on your behalf. We shall assume theincurred costs and shall not offset these as benefits against the sum
insured. Should the liability claims exceed the sum insured, we shall
only bear the costs of legal proceedings in an amount corresponding
to the proportion of the entire claim amount represented by the sum
insured, even in the event of several sets of proceedings arising fromone event. In such cases, we shall be entitled to release ourselvesfrom payment of further benefits by paying the sums insured and our
proportion of the costs incurred so far corresponding to the insured
sum.

However, liability claims for the following reasons are excluded:- damage due to wear and tear and excessive strain;- damage to heating, mechanical, boiler and hot water facilities aswell as electrical and gas equipment.

2. What is considered an insured event?
You have insurance cover on the trip in the event that a claim forcompensation is asserted against you by a third party on the basis ofstatutory liability provisions under private law due to one of the events
listed below leading to the death, injury or damage to the health of
persons (personal damage) or damage to or destruction of an object(material damage).

2.3 Damage to the household of the host family
Contrary to clause 3.2.6, liability claims against the insured person
are insured if they relate to damage to the rooms in the household of
the host family whose use is foreseen and permitted in connection
with hosting, up to the amount stated in Section I. The household of
the host family includes the house or home where the host family is
resident (main, second and holiday homes), including the associatedland and additional buildings or adjoining rooms located on it. The
total payment for all damages to mobile objects and room of the hostfamily within one insurance year or any agreed shorter insurance
period is limited to double the amount stated in Section I. An
insurance year is considered to be a period of twelve months
calculated from the start of insurance, including all contractual
extensions.

2.1 Everyday liability risksYour insurance covers your statutory liability as an individual in termsof everyday liability risks occurring on your trip, in particular
2.1.1 for family and household responsibility (e.g. arising out of the
duty of care for minors);
2.1.2 as a cyclist;
2.1.3 while practising a sport (except the types of sport listed inclause 3.2.3);

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3.2.10 Liability claims for damage as a result of using weapons ofany kind.
3.2.11 Liability claims for all resultant financial losses.
3.2.12 Unless expressly listed in Section I, liability claims fordamage as a result of loss of items such as money, securities
and valuables.

2.4 Loss of keys
The statutory liability arising from the loss of third-party keys
(including the general main key for a central locking system and code
cards) that are legally in the insured party’s possession is also
insured. The insurance cover is limited to statutory liability claims thatarise due to the costs of having to replace locks and locking systems,
as well as the costs of temporary security measures (emergencylock) and property protection for up to 14 days, calculated from thepoint in time that the key was determined to have been lost.
The maximum payment for each insured event is limited to theamount stated under section I and applies to all claims within one
insurance year – or any agreed shorter insurance period. An
insurance year is considered to be a period of twelve months
calculated from the start of insurance, including all contractual
extensions.
Liability claims owing to consequential damage arising from the lossof a key (e.g. due to a break-in) and liability arising from the loss ofsafe and furniture keys, as well as any other keys to movable objects,
remain excluded.

3.3 Limitation of benefits
3.3.1
3.3.2

3.3.3

2.5 Professional liability
The insurance cover relates to the legal liability of the insured person
during the performance of the insured person’s profession. In thiscase, only liability claims that are on the basis of activities that theinsured person is allowed to practice on the basis of his or her levelof education are insured. This insurance cover only applies, however,
if claims are made against the insured person and there is no otherinsurance cover. Damage is not covered if it is due to the insured
person overlooking mistakes in invoices, accounts, cost estimates ormeasurements in drawings which the insured person had a
responsbility to check. There is also no insurance cover for the nonfulfilment of contracts and the replacement performance carried out
in place of the non-fulfilment.
3. What restrictions to the insurance cover should be noted?

3.3.4

3.1 Non-insured liability risks
3.1.1
3.1.2
3.1.3
3.1.4

Your liability as the owner, proprietor, holder or driver of aland-based vehicle, aircraft or watercraft is not covered in theevent of damage caused by using the vehicle.
Your liability as the owner, holder or keeper of animals andyour liability when hunting are not covered.
Your liability when carrying out your job, service or duties(including voluntary) or when participating in associations ofany kind is not covered.
The insured person’s liability when renting out, lending orotherwise handing items over to third parties for use is notcovered.

3.3.5

Our compensation is limited to the agreed sums insured ineach insured event. This shall apply even if the insurance
covers several persons with entitlement to compensation.
The compensation for all insured events within the insured
period shall be limited to two times the agreed sum insured
in the case of contractual terms of less than one year. In thecase of contractual terms of more than one year, we shall not
pay more than double the agreed sums insured for all insured
events in each insurance year.
Several insured events occurring during the effective periodof the insurance shall be considered one insured event
occurring at the time of the first of these insured events if they
are based on the same cause or similar causes with aninternal – particularly material and temporal – link.
If the insured person is required to make annuity payments
to the injured party and the capital value of the annuity
exceeds the sum insured or exceeds the amount of theinsured sum remaining following deduction of any benefits
provided due to the insured event, the annuity to be paid shall
only be covered by the insurer in an amount corresponding
to the proportion of the insured sum or residual amount to thecapital value of the annuity.
The corresponding provision of the ordinance on insurance
cover under the motor vehicle liability insurance, in theversion applicable when the insured event occurs, shall apply
as regards calculation of the value of the annuity. Whencalculating the amount that the policyholder must contributeto ongoing annuity payments, if the capital value of theannuity exceeds the sum insured or the sum insured
remaining following deduction of other benefits, the otherbenefits shall be offset in full against the sum insured.
Should the settlement of a liability claim as requested by us
by means of acknowledgement, appeasement or settlement
fail due to conduct on the part of the insured person, we shallnot be liable for the additional expenses for compensation,interest and costs incurred from the point of refusal.

4. What should be considered when a claim is made(obligations)?

3.2 Non-insured liability claims

4.1 Immediate notification of the incident

3.2.1
3.2.2

If a claim for compensation for damages is made against you, please
inform us immediately.

3.2.3

3.2.4

3.2.5
3.2.6

3.2.7

3.2.8
3.2.9

Liability claims that go beyond the scope of statutory liability.
Claims to salaries, pensions, wages and other set
emoluments, accommodation and meals, medical treatmentin the event of inability to work, welfare entitlements as well
as claims under riot damage laws.
Liability claims for damage as a result of your participation inhorse, bicycle or motor vehicle races, boxing and wrestling
matches or combat sports of any kind, including preparation(training) for these.
Unless expressly listed in Section I, liability claims fordamage to third-party items that you have rented, leased,borrowed or obtained through adverse possession or that are
subject to a specific custody agreement.
Liability claims for damage caused by environmental impact
on the ground, air or water (including bodies of water) and all
further resulting damage.
Liability claims for events involving relatives living in yourhousehold. Relatives shall include spouses, parents andchildren, adoptive parents and children, parents andchildren-in-law, step-parents and children, grandparents andgrandchildren, siblings, foster parents and children as well as
persons connected by means of a family-like, long-term
relationship similar to that of parents and children.
Liability claims between several insured persons on thesame insurance policy as well as, unless explicitly co-insured
under clause 2.3, between the policyholder and the persons
insured on an insurance policy.
Liability claims between several persons who have booked atrip together and take this trip together.
Liability claims for damage as a result of passing on an
illness.

4.2 Immediate notification in the event of a legal dispute
If investigation proceedings have been initiated or a penalty order ororder for payment has been issued, you must inform us immediately,even if you have already reported the insured event itself. If a claim
is made against you in court or by means of an order for payment,
legal aid is applied for or a legal notice is served on you, you mustalso inform us immediately. The same applies in the event of anarrest, preliminary injunction or proceedings for the preservation ofevidence.
4.3 Handover of proceedings
In the event of legal proceedings concerning the liability claim, youmust hand over conduct of such proceedings to us, grant power ofattorney to the lawyer appointed or specified by us and submit all
declarations that we or the lawyer believe to be necessary. In theevent of orders for payment or ordinances from administrative
authorities regarding compensation for damages, you must file an
objection or seek the required legal remedies within the set time limit
without waiting for instruction from us.
4.4 Cession of exercise of rights in the event of annuities
If, as a result of changes in circumstances, you are granted the rightto request the cancellation or reduction of an annuity to be paid, youhave a duty to allow us to exercise this right on your behalf.
4.5 Conferment of authority
We are considered authorised to submit all declarations deemed to
be useful in settling or defending against the claim on your behalf.

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4.6 Consequences of non-compliance with obligations

1.2 Benefits in the event of death

If you deliberately fail to comply with the above-mentioned
obligations, we shall be released from our obligation to provide
benefits. In the event that you fail to meet your obligations as a resultof gross negligence, we are entitled to reduce the benefit inproportion to the extent of culpability. If you demonstrate that you did
not fail to meet an obligation as a result of gross negligence, theinsurance cover remains unchanged.

Should an insured event lead to the death of the insured person
within a year, the heirs shall be entitled to a benefit in accordancewith the sum insured in the event of death. Please note the specificobligations under clause 4.3.
1.3 Cover for rescue costs
If the insured person has several accident insurance policies with the
HanseMerkur insurance group, the expenses below can only beclaimed with regard to one of these policies. If the insured person has
suffered an accident covered by this insurance policy, we shall
reimburse the costs incurred up to the amount agreed in the policyfor
1.3.1 search, rescue or recovery operations by private search andrescue services or search and rescue services under publiclaw, provided these services are normally chargeable.
1.3.2 transport of the injured party to the nearest hospital or to a
specialist clinic if this is medically necessary and has been
sanctioned by a medical practitioner.
1.3.3 additional expenses for the transport of the injured personback to the place of permanent residence if the additionalcosts are based on doctor's orders or were unavoidable
given the nature of the injuries.
1.3.4 repatriation of mortal remains to the last permanent place ofresidence in the event of death.
1.3.5 services set out in clause 1.4.1, if you did not experience aninsured event but there was an immediate threat of an
accident or specific circumstances led you to believe that it
was imminent.

UV – Travel accident insurance
1. What insured benefits are provided by your travel accident
insurance?
If an insured event occurs (see clause 2; for restrictions, seeclause 3), the following benefits are paid up to the level of the sums
specified in Section I.
1.1 Benefits in the event of disability
For our benefit to be paid, your physical or mental ability must be
permanently impaired as a result of the accident (disability).
Impairment is considered permanent if it is expected to last longer
than 3 years and no change in the situation is expected.
The disability must occur within 15 months of the accident and be
confirmed in writing by a doctor within 21 months of the accident, andyou must have informed us of this in writing.
1.1.1 The amount of the benefit depends on the sums insured andthe degree of the disability. The loss or loss of use of thefollowing shall constitute fixed degrees of disability (unlessthere is evidence of a higher or lower level of disability)
An arm at the shoulder
An arm above the elbow
An arm below the elbow
A hand at the wrist
A thumb
An index finger
Any other finger
A leg above the centre of the thighA leg to the centre of the thighA leg to below the knee
A leg to the centre of the lower leg
A foot at the ankle
Big toeAny other toe
An eyeHearing in one ear
Sense of smell
Sense of taste

1.4 Cover for costs of cosmetic surgery
1.4.1

70%
65%
60%
55%
20%
10%
5%
70%
60%
50%
45%
40%
5%
2%
50%
30%
10%
5%

1.4.2

In the event of the partial loss or impairment of function in oneof these body parts or sensory organs, the corresponding
proportion of the percentage shall be assumed.
1.1.2 Should the insured event affect body parts or sensory organs,whose loss or loss of use is not covered above, the decisive
factor shall be the extent to which normal physical or mental
performance is impaired from an exclusively medical point ofview.
1.1.3 Should the insured event affect several physical or mental
functions, the aforementioned degrees of disability shall be
added together. However, more than 100% will not be
accepted.
1.1.4 Should the insured event affect a physical or mental functionthat was already permanently impaired, a deduction
corresponding to the level of pre-existing disability shall occur.
This shall be measured in accordance with the degrees of
disability under clause 1.1.1.
1.1.5 Should death occur as a result of the accident within a year of
the insured event, no entitlement to disability benefits shallexist.
1.1.6 If the insured person dies due to a cause unrelated to theaccident within a year of the insured event or (regardless of thecause) later than 1 year after the accident, and if a claim fordisability benefits in accordance with clause 1.1.1 arose, wewill provide compensation in accordance with the degree of
disability that would have been applied in accordance with thelatest recorded medical findings.

1.4.3

If, as a consequence of an accident covered by this policy,
the outward surface of the insured person’s body is damaged
or deformed to an extent that following completion of medical
treatment, the appearance of the insured person ispermanently impaired, and if the insured person decides toundergo cosmetic surgery in order to correct such damage,
we shall cover the costs associated with the surgery andhospital treatment such as medical fees, medication,
dressing materials and other remedies prescribed by doctors
on a one-time basis, as well as the cost of accommodationand meals in the hospital in the amount of up to the agreed
sum insured. The front and incisor teeth, which can be seen
when the mouth is open, are not deemed to be part of theoutward surface of the body.
The cosmetic surgery and hospital treatment must becompleted within 3 years of the accident. If the insured
person was below the age of 18 at the time of the accident,
the costs shall be covered even if the surgery and hospitaltreatment do not taken place within the abovementioned
period, provided the treatment is completed before theinsured person reaches the age of 21.
The cost of meals and beverages, spa and recuperation trips
and nursing are excluded from the coverage, unlessprofessional nursing care has been sanctioned by a doctor.

2. What is considered an insured event?
2.1 Damage to health caused by an accident
An insured event has occurred if the insured person suffers damage
to their health against their will as a result of a sudden external event(accident) having an impact upon their body. By extension, theinsurance cover also applies to health damage typical of diving, e.g.
caisson disease or eardrum injuries, without an accident having tooccur, i.e. a sudden external event having an impact upon the body.
2.2 Muscular strain and torn ligaments
An insured event shall also be considered to have occurred if a joint
is twisted or muscles, tendons, ligaments or capsules are strained or
torn due to increased exertion on limbs or the spine.
2.3 Drowning or suffocation
Death due to drowning or suffocation under water during diving shallalso be considered an accident within the meaning of clause 2.1.
3. What restrictions to the insurance cover should be noted?
3.1 Which events are not covered?
We do not pay benefits for:3.1.1 Accidents caused by mental disorders or impaired
consciousness, including due to the consumption of alcoholor drugs, as well as by strokes, epileptic or other convulsive

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3.1.2
3.1.3

3.1.4

3.1.5
3.1.6
3.1.7

3.1.8
3.1.9

3.1.103.1.11
3.1.12

3.1.13
3.1.4

seizures that affect the entire body of the insured person;
however, insurance cover shall exist if these are caused byan accident falling under this contract.
Accidents suffered by the insured person as a result of themdeliberately committing or attempting to commit a crime.
Accidents caused directly or indirectly by war or civil war
events or in connection with terrorist attacks. However, weshall provide insurance cover if the insured person istravelling abroad and is unexpectedly affected by war or civil
war. This extension of insurance cover shall, however, notapply in the case of travel in or through states that werealready engulfed by war or civil war upon commencement of
the trip. It shall also not apply in the event of active
participation in war or civil war, or in the event of accidents
caused by NBC (nuclear, biological or chemical) weapons.
Accidents befalling the insured person as the pilot of anaircraft (including sports aircraft) requiring a permit inaccordance with German law, or as a crew member on an
aircraft, if these occur with a causal connection to theoperation of the aircraft.
Accidents befalling the insured person when carrying out anactivity with the aid of an aircraft.
Accidents befalling the insured person whilst using
spacecraft; however, the insured person is covered as anairline passenger.
Accidents befalling the insured person as the driver, co-driveror passenger of a motor vehicle taking part in a driving event,including the corresponding practice runs, involving driving
at high speeds.
Accidents caused directly or indirectly by nuclear energy.
Damage to health caused by radiation and damage to healthcaused by therapeutic measures or interventions on the bodyof the insured person. However, insurance cover is provided
if therapeutic measures or interventions, including radiodiagnostic and radio-therapeutic interventions, are carriedout due to an accident falling under this policy.
Damage to health caused by infections. These are also
excluded if caused by insect stings or bites or other minor
injuries to the skin or mucous membranes, through which thepathogens entered the body, either immediately or at a laterstage. However, insurance cover is provided for rabies andtetanus, as well as for infections whereby the pathogens
entered the body through injuries as a result of an accident,
which is not excluded under clause 1. Insurance cover is also
provided for infections caused by therapeutic measures orinterventions if the therapeutic measures or interventions,
includingradio-diagnostic
andradio-therapeuticinterventions, are carried out due to an accident falling under
this policy.
Abdominal or lower abdominal herniae. However, insurance
cover is provided if these occur due to a violent external
impact falling under this policy.
Damage to spinal discs, as well as bleeding from internalorgans and cerebral haemorrhage. However, insurance
cover is provided if the predominant cause is an accident
falling under this policy.
Pathological disorders as a result of psychological reactions,regardless of their cause.
Poisoning as a result of ingesting solid or liquid substances
through the gullet.

4.2 Examination by doctors appointed by us
The insured person has a duty to allow an examination by a doctor
appointed by us to take place. We shall bear the necessary costs,
including any loss of earnings.
4.3 Notifications in the event of deathIf the accident leads to the death of the insured person, then the heirs
or other legal successors of the insured person must inform us
thereof within 48 hours, even if the accident itself has already beenreported. We must be granted the right to have a post-mortem
examination conducted by a doctor appointed by us.
4.4 Consequences of non-compliance with obligations
If you deliberately fail to comply with the above-mentioned
obligations, we shall be released from our obligation to provide
benefits. In the event that you fail to meet your obligations as a resultof gross negligence, we are entitled to reduce the benefit inproportion to the extent of culpability. If you demonstrate that you did
not fail to meet an obligation as a result of gross negligence, theinsurance cover remains unchanged.

RGV – Luggage insurance
1. What benefits are included in your luggage insurance?
If an insured event occurs (see clause 2.; for restrictions, seeclause 3.), compensation is provided up to the level of the sums
insured listed in Section I.
1.1 Benefit in the case of destruction or loss
If an insured event occurs, for destroyed or lost items, we will
reimburse their insurance value at the time the event occurred,
insofar as they were insured in accordance with clause 2. The
insurance value is the amount that is generally required to obtain new
items of the same type and quality at your usual place of residence,with a deduction for an amount corresponding to the condition (age,wear and tear, use etc.) of the insured items (current value).
1.2 Benefit in the event of damage
For damage and reparable items covered by the insurance inaccordance with clause 2, we assume the necessary repair costs andany remaining reduction in value, though no more than the insurance
value.
2. What is considered an insured event?
2.1 Damage to luggage entrusted to third parties
If you have entrusted your luggage to a transport, accommodation orbaggage storage company and it is lost, destroyed, or damaged, we
will pay up to the level of the sums insured and compensation limits.
2.2 Overdue delivery of luggage
If your luggage is not delivered on time by a transport company, i.e.
it does not arrive at the destination on the same day as you (overduedelivery), we reimburse the proven costs for necessary replacement
purchases up to the agreed compensation limit.
2.3 Criminal acts by third parties against luggage, sports
equipment or valuables
You have insurance cover up to the level of the sums insured andcompensation limits in the event of loss, damage or destruction of theinsured items by criminal acts of third parties. This includes theft,
burglary, robbery, blackmail for the purpose of robbery and deliberate
vandalism.

3.2 What impact do illnesses or infirmities have?
If illnesses or infirmities contribute to the damage to health causedby an accident, or the consequences thereof, the benefits shall be
reduced by an amount proportionate to the illness or infirmity if this
proportion is at least 25%. If illnesses or infirmities contribute todamage to health caused by an accident, or the consequences
thereof, any entitlement to benefits shall cease to exist if this
proportion is more than 50%.

2.4 Damage during traffic accidents to luggage, sports
equipment or valuables
You have insurance cover up to the level of the sums insured andcompensation limits in the event of loss, damage or destruction of theinsured items during an accident involving a means of transport (e.g.
a traffic accident).
2.5 Damage by fire, explosion or natural events to luggage,
sports equipment or valuables

4. What requirements must be met in the event of damage due
to an accident during travel (obligations)?

You have insurance cover for the insured items up to the level of thesums insured and compensation limits in the event of loss, damage
or destruction of the insured items by fire, lightning, explosion,
storms, floods, landslides, earthquakes or avalanches.

4.1 Immediate medical consultation
The medical advice of a doctor must be sought following an accident
that is expected to lead to a payment obligation. The insured person
must follow the doctor's orders and must also limit the consequencesof the accident as far as possible.

3. What restrictions to the insurance cover should be noted?
3.1 Limitations for valuables
In accordance with Section I, insurance cover for valuables is valid
only as long as they are carried or used as intended and carried in6the personal safekeeping of an insured person or are in a properly
locked room in a building or a passenger ship. Jewellery and objects
made of precious metal in a properly locked room in a building or apassenger ship are, however, only insured if they are also stored ina closed container that offers increased security, including against
the removal of the container itself.
3.2 Limitations for motor vehicles and watercraft
We only pay benefits for damage to luggage in unsupervised motor
vehicles/trailers/water sport vessels by criminal acts of third parties if
the luggage is not visible, in a fully enclosed and locked inner spaceor boot (for water sports vessels: cabin or packing case) or in luggage
boxes firmly attached to the vehicle. We do not pay compensation
here for the valuables listed in Section I under luggage.
Supervision is defined only as the continuous presence of an insured
person or a trustworthy person instructed by him near the item to be
insured, but not, however, the supervision of a location open forgeneral use (e.g. parking area, harbour).
We only pay benefits if the damage can be shown to have taken place
between 6.00 and 22.00 or it occurred during a break in travel of not
more than two hours.
When travelling in a motor vehicle, if luggage is not unloaded at once
after arrival at the normal place of residence, the insurance cover
terminates on arrival.
3.3 Restrictions for camping
Insurance cover for damage to luggage during camping caused bycriminal acts of third parties is only valid on official campsites(established by authorities, associations or private companies).
If you leave items unsupervised (definition in clause 3.2) in a tent,
insurance cover for damage due to criminal acts of third parties isonly valid if the damage can be shown to have taken place between
6.00 and 22.00 and the tent is closed.
Valuables are not insured if left unattended in a tent. We only replacethese items if the conditions under clause 3.2 are satisfied or they
were given to the management of the camping site for safekeepingor they were in a properly locked caravan/mobile home or not visible
in a firmly closed and locked motor vehicle on an official campsite.
3.4 Damage caused by loss
We do not offer insurance cover for damage caused by items lost or
left lying, standing or hanging.
3.5 Damage caused by wear and tear
Damage caused by the natural or defective condition of the insured
items (e.g. usage or wear and tear) is not insured.
4. What requirements must be met in connection with damage
to luggage (obligations)?
4.1 Securing compensation claims against third parties
You must immediately notify the authorities, to which you haveentrusted your luggage, of any damage to checked-in luggage anddamage due to overdue delivery and obtain written confirmation
thereof. Written confirmation to this effect is to be provided to us. For
any damage that was not immediately evident, you must, as soon as
it is discovered, within the respective deadline and at the latest within
7 days, request that the relevant company inspect and certify thedamage.
4.2 Police notification
You must immediately report damage due to criminal acts of third
parties and fire damage to the responsible police station, providing acomplete list of all items involved in the claim, and you must obtainwritten confirmation of this. The list to be submitted to the police of
all items affected by the claim must be prepared as an itemised list
including information about the dates of purchase and the purchaseprice of each of the individual items. You must send us the complete
police record.
4.3 Consequences of non-compliance with obligations
If you deliberately fail to comply with the above-mentioned
obligations, we shall be released from our obligation to provide
benefits. In the event that you fail to meet your obligations as a resultof gross negligence, we are entitled to reduce the benefit inproportion to the extent of culpability. If you demonstrate that you did
not fail to meet an obligation as a result of gross negligence, theinsurance cover remains unchanged.

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