Insurance Passport for Students (IPS)
Policy conditions – IPS017-EN
We are StudentsInsured.
We do everything to make your time abroad a worry-free experience. We help with cost-effective, complete
insurances that you can register for online. Plus we also assist you with probably the best service on the
internet– via livechat, facebook, e-mail – but an old-fashioned phone call works just as well too.
How can we help you?
Content
1. Coverage overview. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
2. General terms and conditions of UMG Assuradeuren B.V.. . . . . . . . . . . 5
What do we mean by basis?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Obligation of disclosure when taking out an insurance . . . . . . . . . . . . . . . . 6
Obligation of disclosure during the term of the insurance . . . . . . . . . . . . . 6
About the start and term of the insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . 6
The end of the insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Premium. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
In the case of damage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Explanation of the terms used. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
This is what we ask of you . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Fraud, your data and respite . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Your data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Cooling-off period. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Important things to know before you depart on your travels. . . . . . . . . . 14
Who is insured?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Where are you insured? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
3. The special terms and conditions of IPS Basic. . . . . . . . . . . . . . . . . . . . . 18
3.1 Special terms and conditions Personal aid . . . . . . . . . . . . . . . . . . . . . . 19
This is what your insurance covers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
3.2 Special terms and conditions Legal aid . . . . . . . . . . . . . . . . . . . . . . . . . 22
Definition of terms. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
Insurance cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
Settlement of disputes, liability and complaints . . . . . . . . . . . . . . . . . . . . . 23
3.3 Special terms and conditions Accidents. . . . . . . . . . . . . . . . . . . . . . . . . 24
This is what your insurance covers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
What do we pay in the event of partial disability?. . . . . . . . . . . . . . . . . . . . 26
2
3.4 Special terms and conditions Liability. . . . . . . . . . . . . . . . . . . . . . . . . . 27
About the cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
This is not insured . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
Claims adjustment and payment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
3.5 Special terms and conditions Baggage. . . . . . . . . . . . . . . . . . . . . . . . . . 30
About the cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30
Not covered. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30
Coverage overview for baggage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31
4. Special terms and conditions for IPS Secondary / Primary. . . . . . . . . . 33
4.1 Special terms and Conditions Medical Costs. . . . . . . . . . . . . . . . . . . . . 34
Supplemental terms. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34
Important information for this coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . 34
Coverage overview. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35
We do not reimburse the following. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38
Children . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38
5. Supplemental cover Cancellation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39
This is what your insurance covers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39
In the following cases, we do not make any reimbursements. . . . . . . . . . 42
What do you have to do if you want to cancel your trip? . . . . . . . . . . . . . . 42
Who do we pay the reimbursement to?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42
6. Supplemental cover Winter sports and hazardous sports. . . . . . . . . . 43
This is what your insurance covers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43
7. Supplemental cover Tractor. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44
Who is insured?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44
What is insured?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44
3
1. Coverage overview
Insured amount
Category 1 – Medical costs
Medical expenses in the case of illness/accident
Urgent dental costs
Dental costs in the event of an accident, per year
Fully covered
€400.00
€1,100.00
Category 2 – Personal aid
Telecommunication costs
€150.00
Costs for repatriation in the event of death
Fully covered
Costs for transportation in the event of illness/accident
Fully covered
Costs for transfer of family in the event of illness/accident
€7,000.00
Category 3 – Legal aid
Legal aid in the event of bodily injury:
Within Europe
Outside Europe
Fully covered
€6,000.00
Category 4 – Accidents
Death
As a result of motorcycle accident
Permanent disability
€12,500.00
5,000.00
€75,000.00
Category 5 – Liability
Insured amount per event:
Personal injury
€1,250,000.00
Property damage
€1,250,000.00
Damage to property at address of internship
€10,000.00
Category 6 – Baggage and household goods
Total baggage during insured period
€5,000.00
Total household goods during stay
€6,000.00
In terms of these amounts, maximum amounts apply for:
Photography, film, video and computer equipment
Mobile phones and smartphones
Other objects
Watches and jewellery
Travel documents
4
€1,250.00
€750.00
€1500.00
€250.00
Fully covered
1. Coverage overview
2. General terms and conditions of UMG Assuradeuren B.V.
UMG Assuradeuren B.V. is hereinafter referred to as UMG.
Here you can find:
- the general terms and conditions of UMG;
- the special terms and conditions of your IPS insurance
(Basic, Secondary or Primary).
Together they constitute a whole. If the special terms and
conditions deviate from the general terms and conditions,
the special terms and conditions shall apply.
With IPS Basic you are insured against:
- Category 2: Personal aid
- Category 3: Legal aid
- Category 4: Accidents
- Category 5: Liability
- Category 6: Baggage and household goods
With IPS Secondary you are insured against:
All categories included in IPS Basic, and:
- Category 1: Medical costs to supplement a valid European
Health Insurance Card (EHIC)
With IPS Primary you are insured against:
All categories included in IPS Basic, and:
- Category 1: Medical costs, as primary cover
As supplementary cover you can choose from:
+ Cancellation
+ Winter sports and hazardous sports
+ Tractor
Important contact information
Emergency centre
For personal aid and in the event of emergencies
Tel. no. +31 (0)20 592 97 78
Available 24 hours a day
Customer service
For general questions
Tel. no. +31 (0)70 302 85 98 (option 2)
Mon. – Fri. 8 a.m. to 6 p.m. (CET)
E-mail: [email protected]
Damage claims department
For damage-related questions
Tel. no. +31 (0)70 302 85 98 (option 1)
Mon. – Fri. 8 a.m. to 6 p.m. (CET)
E-mail: [email protected]
Website
www.studentsinsured.com
5
2. General terms and conditions of UMG Assuradeuren B.V.
What do we mean by basis?
b. The insurance is valid from the starting date and shall
The information, data and declarations that you as a
continue through to the end date. You submitted this
policyholder submit are considered to be the basis of the
information when applying for or changing your insurance
insurance agreement. All of this forms one whole. We consider
and you can find it on your policy. Coverage shall
the information contained in the policy as your data.
commence at the moment the policyholder leaves his/her
homeland to travel abroad. The insurance shall stop at the
Obligation of disclosure when taking out
end date or when the policyholder permanently returns to
an insurance
You are obligated to disclose all facts that you know of or that
his or her own address in their home country.
c. We shall only accept your application following an individual
you should know of, which are decisive in the acceptance of
insurance assessment and once the first premium has
your insurance. This applies to you and any other persons with
been paid.
an interest in this insurance. If you have been involved in the
d. We are entitled to refuse acceptance on the basis of the
deliberate deception of a financial institution over the past
individual insurance assessment. The temporary coverage
8 years, e.g. insurance fraud or if you have been suspected
shall be terminated immediately and no appeal can be
or convicted of a legal offence then you always have to
made in the future. In this case, the premium shall be paid
report this to us. If you do not, or partially do not, meet this
obligation, your entitlement for reimbursement may be limited
back or not deducted from your account.
e. We shall let you know within one working day whether or
or even void.
not your request has been accepted. Unless unforeseen
circumstances exist (such as force majeure) this report shall
Your duty of disclosure is not restricted to the aforementioned
examples. If you think that something might be of relevance,
take place as quickly as possible.
f. You can take out new insurance products at
please let us know. You also need to report your claims history
Studentsinsured.com or Studentsinsured.nl. You can
over the past five years and whether insurance has ever been
administer or change them in your personal online portal.
cancelled by an insurer or restrictive measures have ever
g. You can report any changes via your personal online portal.
been imposed.
You can also send them to us via e-mail. We will confirm
the receipt of your changes submitted by e-mail only once
If you intentionally mislead us or if we would not had entered
we have started handling your changes. Therefore, please
into the insurance with you had we known the true state
always check whether you have received a confirmation
of affairs, we are entitled to terminate the insurance with
e-mail from us.
immediate effect. We shall do this within a period of two
h. We shall grant you temporary cover based on the changes
months after said incident has been revealed. For more
you have made to your insurance(s) via your personal
information, please read our article on fraud in this policy.
online portal. If these changes are outside of the limitations
of our acceptance policy, we shall inform you of this
Obligation of disclosure during the term of
within 1 working day (unless this is not possible as a
the insurance
result of unforeseen circumstances). If this is the case, the
If important circumstances change during the term of your
temporary cover for this change will be cancelled. In such
insurance, you are obliged to report this change in your
cases, we are also entitled to terminate the insurance on
personal online portal. This applies to personal information as
well as specific information about the object of your insurance.
the day on which the change was to be enforced.
i.
You will not receive a paper-based policy or insurance
For instance, you are obliged to report any convictions for
ID. We shall only send you a digital policy, which you can
crimes, or if you are living in a foreign country other than the
find in your personal online portal. Do you need a paper
one that is known to us.
insurance policy or insurance ID, e.g. for the purpose of a
visa application? Please send us an e-mail.
About the start and term of the insurance
a. All calculations that you perform online are non-binding
until you press the button to enter into the insurance.
j. You may extend your insurance before it has expired. In
such cases, you will receive a written notice prior to the
termination date of you insurance. The insurer may choose
whether or not to extend the insurance. He may also offer
6
2. General terms and conditions of UMG Assuradeuren B.V.
you a different premium or conditions for the new period.
Adjustment of the premium and/or the conditions
You do not wish to accept this. Then you may terminate
We are entitled to implement changes to the conditions
your insurance effective immediately.
and/or the premiums of certain groups of insured persons,
k. Are you returning to your home country temporarily to
group insurance or categories of insurance. We will always
visit family, for a vacation or for obligations involving
announce such changes in advance. The changes shall be
an internship or studies or as a result of unforeseen
enforced from the point in time specified by us. Do you not
circumstances? The coverage for category 1 – Medical
agree with the changes? You can inform us that you are not
costs will continue for a maximum period of 30 days.
in agreement within one month following the announcement.
The insurance period will terminate automatically once you
Your insurance will then be terminated on the day that the
have insurance for medical costs in your home country.
change is implemented.
The period of 30 days will commence on the day of your
final return. Coverage will be terminated for the other
Premium
category.
The payment of your premium
l. Has the end date of the insurance expired and are you
You pay your premium periodically in advance on the premium
forced to stay abroad longer as a result of unforeseen
due date. You can pay by direct debit, IDEAL or credit card. You
circumstances and against your will? The coverage will
can also pay by means of bank transfer. To do so, we will send
remain valid for a period of max. 30 days. You must report
you an e-mail containing payment instructions.
this to us as quickly as possible with 14 days at the latest.
If you do not pay the first premium or do not pay at all
The end of the insurance.
If you fail to pay the first premium within 14 days of
a. Your insurance terminates directly on the day that you
commencement date of the insurance, the insurance will be
cancel it, or at a later point in time specified by you upon
terminated as if the insurance had never existed. You will
requesting the insurance or via your personal online portal.
receive reminders for this and an e-mail confirming the end
We call this date the primary expiry date.
of the insurance (in formal terms we call this dissolution or
b. We can terminate your insurance:
cancellation of the insurance).
1. within 1 month following a claim for damage, payment of
claim benefits, whereby we shall observe a notice period
No coverage in the case of arrears
of two months;
If you refuse or fail to pay the following premiums on time,
2. effective immediately if you intentionally misled us or if
we will not cover any damages from the moment that you no
we would not have entered into the insurance with you
longer pay. Cancelling a direct debit also constitutes a refusal
had we known the true state of affairs. You can read
to pay. If you no longer pay the following premiums, we shall
more about this in the article "How we deal with fraud";
send you a formal notice by e-mail. If you do not pay within
3. effective immediately in the event of a court ruling with
regard to debt restructuring or bankruptcy;
4. if you do not pay your premium on time or if you refuse
14 days of the warning, we will suspend coverage retroactively
for occurrences from the 1st day on which the payment
was due.
to pay the premium. We will first send you two reminders,
followed by a written warning. If payment is then still not
Payment obligations in the case of non-payment
effected, we shall terminate your insurance with effect
If we suspend or terminate coverage due to non-payment,
from the date stated in the letter of termination.
you will still be obliged to pay the outstanding premiums. If
c. The insurance shall terminate if the insured person or their
heirs have no further need for the insurance.
we temporarily suspend coverage, coverage will be resumed
on the day that the payment has been made and we have
accepted the payment. The outstanding amount is comprised
of all unpaid monthly premiums incl. insurance tax plus any
(extrajudicial) expenses.
7
2. General terms and conditions of UMG Assuradeuren B.V.
The termination of coverage can then no longer be reinstated
by paying the outstanding sums.
In the following cases, we also do not make any
indemnifications:
a. If, in the event of damage, you did not report the incident as
Refund of premiums
quickly as possible and failed to supply all information and
If the insurance ends during the term of the insurance,
documents relevant to the case. If you do this intentionally
we shall refund the premiums in proportion to the term of
to mislead us, or if the insurer's interested are harmed, you
the insurance. This does not apply if we have terminated
shall not be entitled to reimbursement;
the agreement as a result of you having misled us,
b. Three years after we have taken a definitive position with
whether intentionally or not. In this case, we shall make no
regard to the claim benefits:
refund whatsoever.
- or as a result of the rejection of the claim benefit;
-o
r as result of the submission of a suggestion to conclude
Premium payments for the cancellation insurance
the damage claim. This period shall not apply if you or
In addition to the aforementioned, in the case of
someone on your behalf has contested the position
the cancellation insurance, the following applies:
- you must have paid the premium before the
insurance commences;
- we shall not refund any premiums once cover
has commenced.
of UMG;
c. through expiry by limitation: if you fail to report the damage
within three years of the event;
d. Through pledging or acknowledgement of liability in which
our interests are harmed;
e. For collection cost or extra costs as a result e.g. of failing to
Exclusions
pay invoices on time.
We do not make any indemnifications in the
following cases
The exclusions shall not apply in the event that you are able
Damage in connection with or the result of:
to demonstrate that the damage cannot be attributed to the
a. Nuclear reactions;
named exclusions, but was caused by another concealed event.
b. War risk Damages as a direct or indirect consequence
of war, civil war, riots or revolutions ("war risk") are
Special and hazardous sports
excluded from cover, unless the insured person is not
We shall also not indemnify for damages:
actively involved in the event and the damage arose within
a. as a result of preparation for or participation in solo
14 days after the first occurrence of a similar event in
navigation at sea or solo competition at sea, ski jumping or
the specific country.
speed skiing or participating in competitions with motorised
c. Earthquakes and volcanic eruptions
d.Flooding
e.Collapse
vehicles;
b. during winter sports activities belonging to risk class 2 or
higher, such as skiing or snowboarding. If extra cover has
f. Terrorism
been concluded for winter sports and hazardous sports, you
g. Illegal or criminal activities, hijacking or forfeiture;
are covered for sports with risk class 2 or 3. You can request
h. Unauthorised actions or actions while you were not in
a list containing activities that are considered to be winter
the possession of proper paperwork.
i. Non-observance of the obligation(s) described in these
conditions (e.g. in the event of damage, you did not report
sports and hazardous sports, including the risk class index
from the StudentsInsured customer service centre.
c. as a result of an activity that is particularly hazardous or
the incident as quickly as possible and failed to supply all
risky. A list of hazardous sports that are regarded to be
information and documents relevant to the case);
particularly hazardous or risky can be requested from the
j. Attempted suicide
k.Drug or alcohol abuse;
StudentsInsured customer service centre. All sports with a
risk index higher than 4 (e.g. para-skiing) are not covered.
l. Intent, as a result of ruthless conduct or with intentional
8
notable fault on your part, or with your approval. It does
For each insured category, it is specified what will be
not matter whether or not the damage was caused to your
indemnified under the respective category and what will not.
property or (also) that of others;
The above exclusion shall apply in any case for each category.
2. General terms and conditions of UMG Assuradeuren B.V.
In the case of damage
(including other reimbursements) is higher than the amount
Your obligations in the event of a damage claim
that you insured, the duration and amount of the payments
If there is a damage claim, you are obliged to
will be adjusted proportionately.
a. report this to StudentsInsured as quickly as possible,
but no later than 3 months. You can report the damage
Theft
claim in your personal online portal. Does this not work?
You are obliged – if so requested by us – to hand over property
Then you can also send an e-mail to
that has been lost as a result of theft and for which we are
[email protected];
paying or have paid reimbursement. If the goods are retrieved,
b. to limit the extent of the damage as much as possible and
to observe any instructions given by us or by the insurer;
c. to inform us as quickly as possible about the event that has
led to the damage claim;
d. to immediately notify the police if there is any damage,
we will directly transfer ownership at your request. We do
expect you to pay back the amount paid out to you and deduct
any approved recovery costs for any damage that arose from
the theft. If the stolen goods are returned to you without our
help, you must report this to us immediately.
loss or missing property as a result of burglary, theft or
an attempt thereof, robbery, extortion, embezzlement or
Reimbursement for damage
vandalism;
The reimbursement for damage will be paid as soon as we:
e. to provide all necessary information and documents
required to assess the case within the specified period;
f. to help us as much as possible in handling the damage
claim and refraining from doing anything that might harm
our interests. This also applies for claims for damage
- have received all requested information and the
purchase invoices;
- have reported that we would reimburse the damage;
- have come to an agreement with you concerning
the settlement of the claim.
from third parties (assignment of liability) or if we assign
liability to a third party. For instance, you may not make any
We generally pay the claim to the same account number from
commitments or acknowledge liability against the opposite
which the premium is deducted unless this is not possible for
party or other parties.
urgent reasons (such as death of the insured) or you indicate
that you wish to receive payment to another account number.
This is how damage claims are handled
Compensation for damage for liability shall be paid out to the
The damage is ascertained by us or a specialist appointed by
account of the other party.
us. If you are not in agreement with our specialist, you may
also appoint a specialist. If the first two specialists reach an
If you have other insurance policies
agreement, the decision shall be binding. If no agreement can
The premium for this or other insurance policies will not be
be reached, a third expert will be appointed, whose decision
compensated or paid back. An own risk for another insurance
shall be binding. The third specialist shall determine the
will not be reimbursed with the exception of the required own
extent of the damage within the boundaries of the two prior
risk on the basic health insurance.
appraisals. The appointment and nomination of the expert
shall be documented in a file. Are you right and do we pay
We do not indemnify damage:
a supplemental fee? Then we will pay the reasonable costs
- that can be claimed on the basis of an existing guarantee,
for the expert. If this is not the case, you shall bear these
delivery agreement or the insurance of repairer and/
costs yourself.
or trader;
- that is covered by another insurance(s) or settlement if this
This is how damage claims arising from liability
are handled
insurance didn't exist;
- which is reimbursed on the basis of a law or other provision.
We are entitled to compensate injured parties directly
and to reach an agreement with them. We shall treat
claims from injured parties on the basis of article 7:954
of the Dutch Civil Code. If the reimbursement of the
damage consists of several payments and the total value
9
2. General terms and conditions of UMG Assuradeuren B.V.
In such cases, the insurance only provides coverage for
released. This may involve nuclear fusion, nuclear fission,
the difference in insured amounts. The provisions in this
artificial and natural radioactivity. This exclusion shall not
article do not apply to cover for category 4 – Accidents.
apply in relation to loss or damage caused by radioactive
Medical costs can, in the case of IPS Primary, be fully claimed
nuclides located outside a nuclear plant and used (or intended)
by us.
for use for industrial, commercial, agricultural, medical or
scientific purposes. The respective ministry must have issued
Official notifications by us
a licence covering the production, use, storage and disposal
Official notifications by us are legally valid if we send them to
of radioactive material. To the extent that a third party is
an e-mail address of yours that is known to us. Make sure to
liable for the loss or damage suffered pursuant to the Nuclear
inform us if your e-mail address changes!
Accident Liability Act (Wet Aansprakelijkheid Kernongevallen)
(Netherlands Bulletin of Acts, Orders and Decrees (Staatsblad)
Applicable law
1979-225, this exclusion shall remain in force. "Nuclear plants"
Dutch law applies to this insurance agreement.
are also understood by us to be a nuclear plant on board
a ship.
Precedence of the conditions in the Dutch language
In cases in which the policy conditions for this insurance, or an
(Bank) account number
abstract thereof, have been provided in some other language
The number of the bank account that you have submitted to
than the Dutch language, the conditions in the Dutch language
us and that is actually yours. We use this, among other things,
(IPS017 NL) shall take precedence.
for the direct debit of your premium if you have given your
consent for this when concluding the insurance.
If you have a complaint
If you have a complaint or a dispute about this agreement,
Salvage costs
you can send us an e-mail and explain your complaint
These are costs for measures that have been initiated by you
to us. Are you dissatisfied with the way we handled your
or on your behalf during the term of your insurance to prevent
complaint? Send this complaint again and add the subject
the threat of damage for which the insurance provides cover.
"complaint for the attention of the board". If you are then once
This also includes reasonable costs for measures to limit the
again not satisfied with our response, you can submit your
damage, even if the measures were not successful. Damage
complaint to:
to goods incurred while initiating these measures are also
regarded as salvage costs.
Stichting Klachteninstituut Financiële Dienstverlening
Postbus 93257
Country of destination
2509 AG Den Haag
The country, which is not the insured person's home country,
Tel. no. +31 (0)70 333 89 99
to which he/she is travelling.
kifid.nl
Fire
Are you unable to come to an agreement with us or
A fire occurring outside of a furnace as a result of incineration
Kifid? In that case, you can submit your complaint to the
in combination with flames that spreads on its own.
competent court.
Fires are not:
- scorching, searing, melting, charring, scalding;
Explanation of the terms used
- the burning of electrical appliance and motors;
Earthquakes and volcanic eruptions
- the overheating, burning and breaking out of furnaces
These are damages arising from an earthquake or a volcanic
and boilers.
eruption, incurred during or within a period of 24 hours after
the occurrence.
E-mail address
The e-mail address that you have submitted to us.
Nuclear reactions
These are all forms of nuclear reaction in which energy is
10
2. General terms and conditions of UMG Assuradeuren B.V.
Appraisal costs
named herein.
Appraisal costs are fees and costs paid toward experts for
assessing a damage.
War risks
Damages caused by or arising from armed conflict, civil
Occurrence
war, revolt, internal civil commotions, riots and mutiny.
An incident that has occurred during the term of your
We must provide evidence that the damage is directly caused
insurance and that causes you to make use of the insurance.
by or has arisen from one of the six named forms of war risk.
This may be an accident, a damage, a dispute or a claim.
This definition is a part of the text which was deposited by the
A series of incidents occurring directly with one another
Association of Insurers in the Netherlands with the Clerk of
are deemed to be one occurrence, which took place at the
Court of the District Court in The Hague on November 2, 1981.
moment the first incident took place.
Netherlands
Collapse
The Kingdom of the Netherlands located in Western Europe.
A collapse is understood as a damage caused by:
- a collapse and subsidence arising from the nature
Explosion
of the building(s) , or the foundation, even if this is a
The full or partial destruction that is directly caused by sudden
consequence of the nature or inherent defect of the
and severe forces through gas or vapours. This in compliance
building(s) or foundation;
with the following. If the explosion originated in a (closed or
- landslides and/or soil movement.
open) container, there was a sudden burst of force as the wall
of the container under the pressure of gases and vapour was
You, your
separated as a result of escaping gas, vapour or liquid through
The policyholder, or the natural person, with whom the
the opening formed by the separation, so that the pressure
insurance has been concluded on a private basis and whose
inside and outside the container are suddenly the same.
name is stated in the policy. This person is also referred to as
It does not matter how the gases or vapours originated and
"you" in these terms and conditions.
whether or not they were already present before the explosion
or whether they developed during the explosion. If this is
Personal online portal
not the case, or if the explosion originated from outside the
This is your personal and online accessible part of our website,
container, the sudden burst of force must be the direct cause
in which you can view and administer your data. If you no
of the gasses or vapours, which by means of a chemical
longer have any current insurance policies, your personal
reaction of solid, liquid, gaseous or vaporised substances (or
online portal will be closed following 12 months after the
a mixture hereof) developed or were brought to expulsion.
end date of your last insurance. You will then no longer be
In the case of the full or partial destruction of insured goods
able to view this portal. You can request a copy of your policy
as a result of the explosion, the damage to insured goods is
by e-mail.
insured which can be attributed to being a consequence of
the destruction. This text and its explanatory notes were filed
Premier Risque
on 5 April 1982 under number 275/82 at the Registry of the
If a category has a premier risque insured amount, this means
District Court of Utrecht.
that in the event of a damage it is not ascertained as to
whether or not you are underinsured. You will always receive
Clearance costs
the maximum amount of reimbursement defined in the
The costs for the clearing, demolition and destruction of
terms and conditions of the policy.
above-ground insured goods at the insured risk address
and the immediate vicinity. The costs are not yet included
11
Aircraft
in the damage assessment. The clearing, demolishing and
Damages caused by aircraft are understood by us as damages
destruction is a necessary consequence of the damage
arising from a departing, air-borne, landing or falling aircraft or
covered by the policy. What is not included: the costs for
spacecraft. This definition also includes projectiles, explosives
survey, cleaning, clearing, storing, transport, destruction or
or other objects and any other object impacted by the objects
replacement of soil, groundwater and surface water to remove
2. General terms and conditions of UMG Assuradeuren B.V.
the contamination therein. Also costs toward isolating the
Terrorism prevention measures
contamination are not included.
Measures that the government or the insurer take to prevent
the imminent risk of terrorism, to restrict the consequences of
These are understood to be incidental manifestations of
this if the threat has become a reality.
violence.
Home country
Salvage
Country in which the insured is a resident under normal
These are costs made by or on behalf of Stichting Salvage
circumstances and maintains a permanent household.
during or directly following a fire for aid and for taking primary
necessary measures to restrict the damage.
External calamity
A direct, unforeseen and sudden external calamity that is not
Restoration costs
an event which the property of the insured would normally
This is to be understood as:
have to withstand.
- costs for investigation, cleaning, clearing, transport, storage,
destruction and/or replacement of soil, ground water and/or
Insured/insured persons
surface water to remove the contamination, and;
The policyholder and potentially the persons that are also
- costs for isolating the contamination, including the incurred
salvage costs and costs for emergency facilities.
All of this upon the order of an authorised governmental
agency and to the extent:
- that soil, ground and surface water are located on your site
and or in the direct adjacent premises of your site;
insured according to the product’s terms and conditions and
who are documented on the policy.
Policyholder
You are the policyholder. You are the person with whom we
have entered into the insurance and you are documented
on the policy.
- the restoration costs are a necessary consequence of an
event that is covered within the term of your insurance.
Insurance agreement
Refurbishment of the premises is not included in this.
In the case of an insurance policy, an event must always be
uncertain as defined in article 7:925 of the Dutch Civil Code.
Damage to persons
This means that if you wish to make a claim for indemnity,
Damage to persons through injury or affected health or even
there must be (damage as a result of an) uncertain event.
death as a consequence.
At the time you entered into this insurance, you could not
foresee that the event would take place.
Storm
A wind velocity of at least 14 metres per second.
Flooding
Flooding is to be understood as: the failure or flooding of
Terrorism
dikes, wharfs, floodgates or other water barriers. It does not
This is to be understood as:
matter whether or not the cause of the flooding is an event
- violent actions and/or behaviour in the form of an attack or
that you insured with UMG. We do not understand flooding
series of attacks which are related in terms of time and aim.
as: the flooding of water barriers is this has been caused by
And/or:
an extreme inflow of water as a result of severe local rainfall.
- the spreading of pathogens and/or substances that injure and/
Severe local rainfall is at least 40 mm in 24 hours, 50 mm in
or harm the health of humans and animals (whether leading
48 hours or 65 mm in 72 hours in the vicinity of the location
to death or not) as well as harming economic interests. In this
where the damage was incurred.
case, it must be plausible that this attack, series of attacks or
the spreading of pathogens and/or substances was devised
and executed (organised or not) in order to achieve political,
religious and/or ideological aims.
12
2. General terms and conditions of UMG Assuradeuren B.V.
We, our, us
The authorised agent with whom you have entered into the
insurance agreement is Meeùs Assuradeuren. This is a trading
name of UMG Assuradeuren B.V. UMG Assuradeuren B.V.
registered as an affiliated company of UMG Verzekeringen B.V.
with the Netherlands Authority for Financial Markets [Autoriteit
Financiële Markten] (AFM). UMG Verzekeringen B.V. is a part of
Aegon. The risk is transferred to the insurers, whereby Meeùs
Assuradeuren feels that the terms and conditions of the policy
and premiums are good and market compliant. You can find
the risk bearer with which the policy is lodged on your policy.
Wherever we, us or our is mentioned, UMG is implied.
Trade and economic sanctions
It may be prohibited for us to enter into an insurance
agreement with you. There are national and international
(sanction) rules from which this follows. The agreement shall
not be entered into if you or other parties of interest are listed
on a national or international sanction list. We investigate this
during the application process of your insurance.
If you or other parties of interest are not listed on the sanction
list, the agreement shall be valid from the start date document
on the policy. If one person is listed on the sanction list, we will
inform the applicant of this in writing.
If, following the issue of the policy it turns out the the policy
holder, the insured objects, the insured persons or other
parties of interest are (nevertheless) listed in a national or
international sanction list and this was not ascertained during
periodic investigations, the following shall apply:
- the company shall not grant reimbursement for damage
and/or the loss of objects of which trade is banned based on
international legislation;
- the (financial) interests of persons, businesses, governments
and other entities whose interests the insurers are not
permitted to insure due to national and international
legislation are excluded from the insurance.
13
2. General terms and conditions of UMG Assuradeuren B.V.
Riots, revolts and mutiny
Fraud, your data and respite
This is what we ask of you
Fraud
You are obligated:
How do we deal with fraud?
- to treat your things with caution;
With "fraud" we mean that you intentionally harm us.
- to try to avoid damage. If investigations reveal that your
For instance by:
damage could have been prevented, you may lose your
- not honestly telling us what happened;
entitlement for reimbursement;
- changing (purchase) invoices;
- in the event of accident or illness, direct medical help must
- claiming more than the damage suffered;
be sought and everything must be done to aid recovery. This
- claiming the same damage from several parties;
also means that we may ask you to undergo an examination
- retaining information or failing to report changes;
by a physician appointed by us and at our expense and that
- claiming a previously rejected damage claim again using a
you provide the physician with all requested information.
different story.
- to report illegal offences to the police within 24 hours of
the discovery of the occurrence for illegal offences such
What do we do if you commit fraud?
as burglary, theft, joyriding or traffic accident, in which the
Have we found out that you committed fraud? Then we will
perpetrator is unknown;
take one or more of the following steps:
- theft or loss of goods from your hotel room must be reported
to hotel management within 24 hours of discovery;
- to report damage to us as quickly as possible.
What happens if you don't? And will our interests be harmed
as a result? We shall not indemnify the damage;
- to report the (possible) cancellation of your trip within
3 days to the organisation with which you have booked the
trip or a part of it.
- to contact us before you let damage be repaired.
- We will recover the (investigation) costs from you and you
must return the reimbursement that you have received.
- We and the insurance company on your policy shall terminate
all insurance policies that you have entered into with us.
- We will exclude you from future insurance.
- We will add your data to our incident register.
- We will give your data to the Stichting CIS
(Central Information System) in Zeist. Other financial
institutions can look to see whether you are listed
If we consider this necessary, we are entitled to have
here. This is permitted according to the Protocol
the damage inspected.
Incidentenwaarschuwingssysteem Financiële Instellingen
- to retain damaged goods until the claim has been settled.
(Protocol of the incident warning system for financial
Sometimes we ask you to send us the damaged goods.
institutions). More information on this can be found on the
If you are unable to do this because you no longer have the
website of Stichting CIS: stichtingcis.nl.
goods in your possession, you may lose your entitlement to
reimbursement;
- to provide us with correct and up to date information.
If your details, such as your e-mail address, are not correctly
provided or you do not add any changes when this is
-W
e shall submit your data to Center for the Prevention of
Insurance Fraud (Centrum Bestrijding Verzekeringsfraude)
and the Association of Insurers in the Netherlands
(Verbond van Verzekeraars).
- Any violations will be reported to the police.
necessary, we cannot guarantee that all our information will
reach you. No rights can be derived from this.
Your data
What do we do with your personal data?
We handle your personal data with care.
We only ask for personal data we need to:
- conclude and administer the insurance agreement;
- handle claims and to arrange for assistance;
- inform you about services;
- to prevent and combat fraud.
14
2. General terms and conditions of UMG Assuradeuren B.V.
In doing so, we comply with the code of conduct for processing
If you need a doctor
personal data financial institutions. We exchange your claim
Are you uncertain whether the costs you are about to incur
and insurance data with Stichting CIS (Central Information
are covered? Call our claims department. In any case, ask the
System) in Zeist and comply with the privacy regulations of this
doctor to provide an invoice listing all items separately. You can
foundation (see www.stichtingcis.nl). If applicable, telephone
only claim costs with this.
calls may be recorded. We use these recordings to train
our employees.
If your baggage has been stolen or lost
You have to report this directly to the local police and request
What happens with your data in the External
proof of this. Also report this to the hotel or your travel guide.
Referral Register?
If it is not possible to file a report right away, do this as quickly
Do we let your personal data be recorded in the External
as possible. Did you fail to file a report directly and did this
Referral Register of Stichting CIS? This means that financial
harm our interests? Then you will have to prove that it was
institutions can see that you are listed here with your personal
not possible to file a report directly and that you did do it as
information. This is permitted according to the Protocol
quickly as possible. If damage is incurred during the trip, ask
Incidentenwaarschuwingssysteem Financiële Instellingen
for a written declaration from your transporter. Airlines have a
(Protocol of the incident warning system for financial
special form for this: the Property Irregularity Report.
institutions). Financial institutions use this register to assess
the reliability of their relations. Those who check to see if you
If you want to cancel your trip
are listed here must ask us why you are registered, before any
Contact the organisation with which you have booked your trip
implications can result from this.
(or a part thereof) as quickly as possible. In any case, within
3 days after which the reason to cancel occurred. If you are sick
Cooling-off period
or have had an accident, ask your doctor or medical specialist
What happens if you do not wish to take out
whether he thinks you can take the trip.
the insurance after all?
Before the insurance period commences, you may cancel
If you have a claim
the insurance at all times without any obligation. We will
You can report your claim in your personal online portal or
pay back the premium that you would have had to pay.
online via the website. Do you have IPS Secondary? Always
Has the insurance already commenced and you would like to
submit your medical bills to your health insurance provider.
terminate the insurance? Then you only have to pay for the
If your health insurance provider does not reimburse part
days on which the insurance was active. We will pay back the
of the costs as they have an upper limit, you can submit a
remainder of the paid premium.
list of the remaining costs to us. The easiest way to do this
is to upload it in your personal digital account. We will then
Important things to know before you depart
contact your health insurance provider. Please hold on to
on your travels
the original invoices!
If something goes wrong during your trip
If you are uncertain whether or not an event is covered,
Supplemental terms
call our claims department. You can reach them here:
Termination reimbursement: You receive reimbursement for
+31 (0)70 302 85 98. In the case of an emergency, call the
each unused travel day.
emergency centre. You can reach them 24 hours a day, 7
Cancellation costs: The (partial) travel sum and/or the
days a week at +31 (0)20 592 97 78. Call the emergency centre
administration costs that you have to pay if you cancel the trip.
in any case if you:
The maximum amount is the amount that you have insured for
- have to be admitted to the hospital;
this.
- have had an accident or become seriously ill;
Baggage: All things that you have taken on your trip, sent in
- have to return prematurely;
advance or have bought, rented or borrowed during your trip.
- if family members have to unexpectedly make extra travel
You must always have evidence if you send goods in advance,
and accommodation costs.
15
or purchased, borrowed or rented them.
2. General terms and conditions of UMG Assuradeuren B.V.
Permanent disability: Permanent loss of function of parts of
the body or organs.
Direct family: Family members of the first, second and
third degree.
Own/inherent fault: An unfavourable or inferior characteristic
that should not occur among goods of the same type and
quality. This results in damage from the inside out and can
have financial disadvantages for you.
Serious illness: An illness that will not heal without direct
treatment and, even if treated, can have permanent
consequences.
Europe: Europe in this insurance is defined as all countries
of the European Union (EU), including all countries of the
European Economic Area (EEA).
Extreme weather conditions: Such as hurricanes, tropical
hurricanes, flooding and tornadoes.
Family members:
- first degree: your (ex-)spouse or the person you are living
with and with whom you have a registered partnership or
cohabitation agreement, your parents, adoptive parents,
step-parents, parents-in-law, children, adoptive children
and step-children;
- second-degree: your brothers, sisters, grandparents,
grandchildren, sons-in-law, daughters-in-law, brothers-in-law
and sisters-in-law;
- third degree: nephews, nieces, uncles, aunts,
great-grandparents and great-grandchildren.
Valuable goods / objects: All objects worth € 250.00 or more.
Clothing is not included.
War risks:
Major war risk: armed conflict, civil war, uprising, domestic
riots, revolt, mutiny.
Small war risk: sabotage, demonstrations,strikes,
lock-outs, sit-ins, model actions, riots, revolts and
small riots.
Natural catastrophe: An unforeseen natural event with
far-reaching consequences for the area and the people
living there.
New value: The amount you need to purchase a new object of
the same type and quality as the old one.
Mutual dispute A dispute between two insured persons
who can make a claim on this insurance policy for the
same event.
Accident: An unexpected violent external impact to your
body resulting in injury. The injury has to be determined by a
physician. This is also to include:
16
- freezing, drowning, suffocation and sunstroke;
- starvation, thirst and sunburn due to you becoming
unexpectedly isolated;
- acute poisoning other than poisoning by means of food,
drugs or medicine;
- infection due to the entry of pathogenic organisms as a result
of an involuntary fall into water or any other substance;
- infection of a wound and blood poisoning which came about
through an accident;
- complications and exacerbations which occur in the provision
of first aid or in medical treatments you receive after the
accident, or by a medial treatment that you have received
after the accident;
- the sudden tearing of muscles and tendons and sudden
spraining or dislocation;
- the unwanted entry of a substance or an object from places
outside the body, causing injury.
- manslaughter, murder or attempted manslaughter/murder.
The following shall not be deemed to be an accident:
- a hernia;
- the consequences of an insect bite.
Partner: Spouse of the insured or the person with whom the
insured is living with on a permanent (verifiable) basis for at
least 1 year (calculated back from the moment the trip starts).
Legal aid: To serve your legal interests in the event of a legal
dispute with one or more parties. For example, we do this by:
- advising you on your legal position and your chances of
success;
- defending you in the case of (criminal) proceedings;
- submitting and defending petitions and complaints on
your behalf;
- implementing court decrees and decisions;
- reimbursing or advancing costs for legal aid.
Travel: Transport and lodgings that you have booked for
the purpose of relaxation, recreation, studies or internship.
Therefore, not for your job or other paid functions (with the
exception of an internship, research, or PhD studies).
Travel sum: The total amount that you have paid for booking
and reservations of transport and lodging. The expenses
that you incur on site at the destination are not part of
the travel sum. For example, these might be (partial) trips
and excursions.
Travel sum per day The travel sum divided by the total number
of travel days.
Travel companion: The person with whom you have booked
the trip or the lodging. He or she is not documented as a coinsured person in your online personal portal, but he/she is
2. General terms and conditions of UMG Assuradeuren
documented on the booking or reservation form or on other
- PhD candidates;
documents with which you can prove that you are travelling
- researchers.
together.
Combined itinerary: A trip that consists of separately booked
To apply for this insurance there is a maximum age of
parts. For instance, you booked the ticket and the lodgings
55 years. You may continue the policy however for another
separately. This only concerns the transport and/or lodgings
7 years. Are you uncertain as to whether you can make use of
you have booked in advance.
this insurance? Contact our advisers.
Sports equipment: Equipment for the following sports and
everything associated with it:
Where are you insured?
- racket and ball sports;
Your IPS insurance is valid throughout the entire world.
- winter sports;
Please observe the restrictive terms and conditions that apply
- hiking, mountain and climbing sports;
when you remain in your home country.
- diving;
- golf;
- equestrian sports;
- martial combat and defence sports
- bow and crossbow;
- inline skates and skeelers;
- surfing equipment;
- sailboards, canoe;
- bicycle.
The sports equipment must be for your own use:
- taken to the destination
- purchased during the trip, or
- sent in advance or retroactively during the term of the
insurance.
Means of transport: A moped, automobile, motorcycle, scooter
or camper, plus trailer or sidecar.
Volunteer work: Work you do without receiving remuneration
and without obligation.
World: All countries not included in the definition of Europe.
This therefore also includes Bonaire, Sint-Eustatius, Saba,
Aruba, Curaçao and Sint-Maarten.
Who is insured?
IPS insurance is intended for students and interns.
It is therefore important that your stay abroad is an internship
or study related. In the case of a claim, this fact will be
investigated. If this turns out not to be the case, coverage may
be refused and the policy terminated retroactively without
refunding the premiums.
The insurance is intended for, e.g.:
- students;
- interns;
- trainees;
- scientists;
17
2. General terms and conditions of UMG Assuradeuren B.V.
3. The special terms and conditions of IPS Basic
Travel insurance IPS Basic
With IPS Basic travel insurance you are insured against:
- Category 2 – Personal aid
- Category 3 – Legal aid
- Category 4 – Accidents
- Category 5 – Liability
- Category 6 – Baggage and household goods
18
The special terms and conditions of IPS Basic
3.1 Special terms and conditions Personal aid
Category 2 – Personal aid
This is what your insurance covers
Our emergency centre is there for you 24/7 in the event of an
emergency. This chapter tells you what they can do for you
and what is reimbursed. It is important that you always call
our emergency centre first. What happens if you don't?
In that case, coverage may be refused.
Insured
Maximum payment
In the event of illness or accident abroad, we will reimburse the
following extra costs:
- lodging;
€ 75.00 per day
- transportation in connection with hospital admission;
Necessary costs
- one return trip to your home country by ambulance, taxi and/or
public transportation.
Necessary costs
Are you in mortal danger as a result of an illness or accident?
And our medical advisor has confirmed this? Then we will
reimburse the costs for max. 2 non-insured family members:
- the costs for the transfer and return trip to your home country by
Necessary costs
means of public transportation, such as bus, plane and taxi;
- lodging for max. 10 days
€ 75.00 per day
In the event of search and/or rescue activities if you have gone
missing, we shall reimburse:
- the costs incurred according to local authorities.
Necessary costs
If you die while abroad, we shall compensate;
- the transfer costs of the human remains to your home country;
Necessary costs
- or the costs of a funeral or cremation abroad amounting to max.
the amount of transferring the human remains to your home
country. This includes the costs for the transfer and lodging for
max. 10 days for 2 family members.
€ 75.00 per day
In the case of illness, accident or death of non-insured first or
second-degree family members, we shall reimburse the extra
costs for:
- the return trip to your home country by means of public
Necessary costs
transportation;
- the return trip to the travel destination. This is only reimbursed if
you return min. 1 month prior to the originally planned end date
of the trip.
19
Necessary costs
3.1 Special terms and conditions Personal aid
Insured
In the case of serious damage to your property in the Netherlands:
- the extra costs for the return trip to the Netherlands by means of
public transportation.
Necessary costs
In the event of a forced delay (as a result of natural force or strikes of
transportation companies), we shall reimburse the extra costs for:
- the return trip to the Netherlands by means of public
Necessary costs
transportation;
- necessary lodging (after the planned duration of stay)
€ 75.00 per day
If this involves an insured event, the following is also insured:
Own risk
Not insured
- telecommunication costs;
€ 150.00
- shipment of medicine;
Necessary costs
- return trip of household pet by means of public transportation
Necessary costs
None.
Aid and costs incurred without the approval of the emergency centre, to the extent that this
harms our interests.
Costs incurred as a result of illness or accident without any medical necessity.
For a more detailed overview, please refer to the article ‘In the following cases, we do not make
any indemnifications.’
Particulars
We reimburse transport by ambulance plane to your home country only if:
- you are unable to travel by ambulance, taxi or public transportation;
- this could save your life and/or reduce the probability of disability;
- we have given you our consent in advance.
Do you wish to have compensation for medically necessary transportation to the closest
hospital? This is only covered if you have concluded the IPS Primary or IPS Secondary insurance.
We will grant approval for the shipment of medicine, if:
- if there is no other alternative on location;
- if this is necessary as a result of illness, accident, loss or theft.
Please note: We do not send any medicine if you have forgotten your own medicine.
Or if you have taken an insufficient amount with you.
20
3.1 Special terms and conditions Personal aid
In the case of
damage
If you require urgent help, please contact the emergency centre.
For a more detailed overview, please refer to the article ‘Your obligations in the event of damage.’
Terms
Medical necessity: this is the case if a physician determines that a medical treatment cannot
wait until you have returned to your home country.
Public transport: transport for passengers which is available to the public, i.e. anyone who
wishes may make use of the transport services.
21
3.1 Special terms and conditions Personal aid
3.2 Special terms and conditions Legal aid
Category 3 – Legal aid
If several conflicts arise from one occurrence, this shall be
We offer legal aid in cooperation with our partner DAS Rechts-
deemed by DAS as one occurrence. In this case, there is only
bijstand.
one entitlement for the aforementioned maximum amount.
Definition of terms
Please note: Attorney fees shall not be paid by the insurer if
Legal aid
the lawyer handles the case on a "no win, no fee" basis. In this
We understand legal aid to be the provision of legal assistance
case, the fee is deemed to be included in the reimbursement
and the reimbursement of the costs involved in this.
of the damage;
The insured shall receive legal aid in kind. This means that the
Insurance cover
insured shall receive assistance in the form of legal aid by the
DAS shall provide legal aid to the insured for the following
specialists of DAS. If DAS deems it as necessary, they may opt
events only if they took place during the term of this insurance:
to involve a specialist that is not in the employment of DAS,
e.g. a legal adviser or damage expert. This external expert
Recourse assistance
can then provide (a part of) the legal assistance. Only DAS is
If damage has been incurred to the insured personally or to
authorised to commission the expert on behalf of the insured.
his/her property (with the exception of accessories belonging
The insured person may not do this on his/her own accord.
to motor vehicles or aircraft) by a third party who is legally
liable, the insured shall receive legal aid in recovering reim-
The insured himself/herself may choose an adviser for the
bursement for the claim.
implementation of judicial or administrative proceedings. In
many cases, the legal specialist can also perform the proceed-
Legal defence
ings on behalf of DAS. If the insured so desires, the insured
The insured shall receive legal aid in the case that the insured,
may also choose a legal adviser not in the employ of DAS. Also
as a private person, is sued in court for civil liability, under the
in the case that the party with which the insured is in conflict
laws of the country where he/she is, for damage inflicted to
receives legal aid from DAS, the insured may choose their own
third parties or after involuntary infringement of local law.
legal aid.
Advances
If the insured wishes DAS to commission an external legal
In return for an adequate guarantee, DAS shall provide ad-
adviser to conduct legal or administrative proceedings, and it is
vances up to a maximum of € 7,000.00 for:
not legally required to commission an attorney (no mandatory
a. payment of the costs of the proceedings and of enforce-
legal representation) the insured must pay an excess amount-
ment due from the insured and the other party, with the
ing to €250.00 DAS shall only commission the external legal
exception of the sureties, to the extent that a final and
adviser that the insured has chosen, once DAS has received
conclusive court ruling has determined that they must be
the excess.
borne by the insured;
b. the release of the insured in the event that he/she has been
Costs
placed in custody following a traffic accident.
Costs are deemed to be costs incurred by DAS for the provi-
Such an advance or a surety shall be deemed to be a loan by
sion of legal aid. The insured obtains legal aid from the experts
DAS to the insured, who shall repay this loan in its entirety as
employed at DAS. The insured is fully reimbursed for the costs
soon as the surety has been repaid to him in the event of a
of these employees. In addition, DAS also reimburses costs
decision to drop charges, acquittal or otherwise within 15 days
for the involvement of lawyers, summoners, witnesses and
after the day on which the competent court has handed down
technical experts. However, DAS shall only reimburse these
a ruling. Repayment to DAS shall follow in any case no later
costs if they are reasonable and necessary. Within Europe and
than 60 days after the advance has taken place or the security
non-European countries around the Mediterranean Sea, DAS
deposit has been made.
shall reimburse these costs to an unlimited amount. Outside
non-European countries around the Mediterranean Sea, DAS
shall reimburse these costs for max. € 6,000.- per occurrence.
22
3.2 Special terms and conditions Legal aid
Exclusions
Liability
In addition to the general exclusions, no cover for legal aid
The experts of DAS are only liable for damages that have
shall be provided to the insured:
arisen during the provision of legal aid up to the amount
a. if, upon the commencement date of the insurance, he/she
stated in their professional liability insurance. A copy of this
could reasonably have foreseen the need for legal aid;
policy with the terms and conditions can be requested from
b. if the amount is less than € 250.00
DAS by the insured.
c. in the event of conditional intention, recklessness or default
on the part of the insured.
The insurer and DAS assume no liability for damages that have
occurred as a result of work performed by an external expert,
Settlement of disputes, liability and complaints
who was commissioned by DAS or the insured.
Settlement of disputes
a. In the event of a difference of opinion between the insured
Complaints procedure
and DAS as to the expected result or the manner of
Complaints about the provision of legal aid by DAS can be
handling of the case, the insured may request in writing
submitted to:
to place the case before a lawyer of his choice. This lawyer
shall obtain all information and documents pertaining
DAS
to the dispute. He may also ask for the standpoint of
Postbus 23000
the insured. Following this, the lawyer shall submit his
1100 DM Amsterdam
judgement. DAS is bound to comply with the judgement of
the lawyer. DAS shall pay the costs of the lawyer. The costs
If the insured feels that the complaint was not dealt with in an
are unaffected by the maximum amount stated in the
orderly manner, the insured may submit his complaint to:
cover overview.
b. If the insured is not in agreement with the lawyer's opinion,
Stichting Klachteninstituut Financiële Dienstverlening
then the insured may only continue the proceedings at
Postbus 93257
his own account. Should the results of the final judicial
2509 AG Den Haag
decision show the insured to be entirely (or partly) right,
then the costs will be reimbursed by DAS after all, up to the
Or call: 0900-355 22 48. This must take place within 3 months
maximum of the insured amount.
following the final reaction of DAS. If the insured does not wish
c. In principle, DAS shall continue the proceedings of the
case itself in compliance with the decision of the lawyer
to make use of this complaint procedure, he may also submit
his complaint to a competent court.
appointed by the insured. DAS however is also entitled to
transfer the case. In this case, the insured can decided to
which lawyer the case is to be transferred. This however
may not be the lawyer who issued the judgement nor
another member of the firm of the lawyer.
d. The right to recourse to this dispute settlement shall expire
after one year after DAS has announced its position in
writing to the insured.
e. This settlement of disputes does not apply to legal
differences of opinion with a lawyer or with an external
expert, irrespective of whether they were involved at the
request of the insured or not.
23
3.2 Special terms and conditions Legal aid
3.3 Special terms and conditions Accidents
Category 4 – Accidents
This is what your insurance covers
You are insured if you become permanently disabled or die
during your travels.
If we still have not determined the reimbursement you are
to receive for your disability within a period of one year after
submission of the report of the accident, we shall also pay
statutory interest. You will receive this interest from one year
following the report of the accident to the final determination
Maximum payment
of the degree of your disability.
Insured
Death as a consequence of an accident.
€12,500.00
We limit the reimbursement for:
- driving a motorcycle/scooter;
€6,000.00
- hazardous sports that are included in the insurance as
an extra category.
Permanent disability as a result of an accident.
€5,000.00
€75,000.00
We limit the reimbursement for:
- driving a motorcycle/scooter;
€25,000.00
- hazardous sports that are included in the insurance as
an extra category.
€25,000.00
Own risk
None.
Not insured
Disability as a result of an existing illness or ailment, unless there is no connection
between the existing ailment and the degree of disability.
Special winter sports, special sports and technical diving, unless this is covered by
a supplementary insurance.
Activities with an increased risk. These are activities that involve other risks than would
normally be involved in the trip. This exclusion does not apply for activities performed within
the framework of studies and/or educational training.
For a more detailed overview, please refer to the article ‘In the following cases, we do not make
any indemnifications.’
24
3.3 Special terms and conditions Accidents
Particulars
Our medical adviser determines the degree of permanent disability. He does this on the basis
of the information obtained from the treating physician(s). Or we shall engage an independent
physician. We make use of the tables of the American Medical Association if we determine
permanent functional disability. We take into consideration the degree to which the insured
was already disabled prior to the accident.
If you have concluded several accident insurances with us, we shall never reimburse more than
€125,000.00.
In the case
of death or
disability
If you die within a period of 2 years as a result of the accident, we shall reimburse the amount
for death. Have we already paid reimbursement for permanent disability? This amount shall be
deducted.
Can the degree of disability not be determined within a period of 2 years? In this case, we are
entitled to discontinue payment. We shall pay the legal interest due for the amount that we
have not paid out.
We never pay more than the insured amount, even if this involves several accidents together.
Does the event involve death as a result of an accident? In this case, the heirs must agree to us
instructing a post-mortem to be carried out. Otherwise there is no cover.
Did you have an accident? In this case you must be examined by a medical specialist.
Or you can have the examination performed at a hospital appointed by us.
A physician must declare whether there is a chance of permanent disability. This must be done
within a period of twelve months following the accident. We cannot make any reimbursement
without this declaration.
In the event of death, we shall pay the sum to the legal heirs. They must submit a certificate of inheritance. The State of the Netherlands and creditors that are not heirs have no right to payment.
In the event of permanent disability, we shall pay the sum to you. This shall take place once the
degree of permanent disability has been determined.
For a more detailed overview, please refer to the article ‘Your obligations in the event of damage.’
25
3.3 Special terms and conditions Accidents
Terms
Accident: a sudden, violent incident by external cause to the body of the insured person.
This results in direct personal injury or death of the insured person. A physician must be
able to determine this. This also includes: sunstroke, freezing, drowning and exhaustion,
starvation, death from thirst if you become isolated.
What do we pay in the event of partial disability?
We calculate the payment for damage in the case of injury
– loss of an eye lens 15%
– complete deafness in both ears 50%
– complete deafness in one ear 20%
as follows. The calculation is based on the partial or full loss
but if the insurer has effected payment
(loss of function) of organs and parts of the body. We also
pursuant to this insurance due to complete
take into account any restrictions you had when applying for
deafness in the other ear
30%
the insurance. The total payment shall never exceed 100% of
– loss of the sense of taste 10%
the insured amount. Below you will find an overview of the
– loss of the sense of smell 10%
maximum payment percentage rates per situation.
– loss of the tongue 50%
– loss of the larynx 50%
Payment percentage rates
– loss of the spleen 5%
The determination of payment in the case of permanent
– loss of a kidney 10%
disability is based on the following:
– incurable insanity 100%
In the event of full loss or full loss of function:
– an arm, up to the shoulder joint
75%
–a
n arm, up to the elbow or between
the elbow joint and the shoulder joint Partial loss (of function):
Partial loss (loss of function), other than of the senses of
smell and/or taste, shall render the payment to be made
70%
proportionally lower.
–a
hand, up to the wrist or arm between
the wrist and the elbow joint 60%
–a
leg, up to the hip 75%
–a
leg, up to the knee or between
the knee and the hip 60%
–a
foot up to the ankle or a leg between
the ankle and the hip 50%
In the event of permanent and total lack of use of:
– thumb 25%
– index finger 15%
– middle finger 12%
– ring finger or little finger 10%
– big toe 8%
– toe, other than the big toe 3%
– loss of vision in both eyes 100%
one eye30%
but if the insurer has effected payment
pursuant to this insurance due to the loss
of vision in the other eye
26
70%
3.3 Special terms and conditions Accidents
3.4 Special terms and conditions Liability
Category 5 – Liability
The insured is also bound to provide full cooperation to
ensure repayment thereof.
About the cover
Who is insured?
What is insured?
a. The insured person;
The liability of the insured in the capacity of the
b. any minors staying with the insured insofar as their liability
private individual.
is not covered by any other insurance;
c. domestic staff, insofar as their liability is connected with
their activities conducted for an insured;
d. the children of the insured person.
Activities performed within the framework of an internship
are also insured to the extent that these activities do not
involve the rendering of medical activities, the provision of
advice, the preparation of designs and calculations or similar
How much is insured?
occupational activities.
Liability is insured for the insured person up to an amount of
max. € 1,250,000.00 for each occurrence.
This is not insured:
- Liability arising from the performance of an (ancillary)
Which liability is insured?
business or (ancillary) occupation, the performance
Damage sustained by persons and damage sustained
of (manual) labour – other than as a friendly service
by goods.
without payment.
- The performance of military or civilian (mandatory) service.
What is understood as damage to persons?
Damage to persons shall be deemed to be damages sustained
Domestic staff are insured:
- If the claimant is someone other than a natural person,
due to injury or damages which undermine the health of
directly involved with the event, who sustained damages, or
persons, whether leading to death or not, including any
his/her legal heirs and successors;
consequential damage which may occur.
- The liability of an insured person for damage which is the
intentional or certain consequence of his/her actions or
What is understood as damage to goods?
failure to act. In connection with liability of and for children
Damage to goods shall be deemed to include: damage
up to and including 15 years of age, the insurer shall not
sustained by said goods and/or their destruction and/or the
loss of other goods than those of the insured, including any
consequential damage which may occur.
appeal to this exclusion.
- Liability for an insured acting in a group causing damages to
be sustained by legal entities caused deliberately or certainly
resulting from behaviour (singular or plural) on the part of
Costs of proceedings and lawful interest
the group, even when it is not the insured which deliberately
Payment shall be made, in excess of the insured amount,
caused the damage in question;
of and for:
a. the costs of proceedings made at the behest of the insurer
- Liability for damages caused by or with a motor vehicle
(including mopeds and motorised agricultural and building
and legal aid provided, which was forthcoming at the behest
vehicles), which an insured owns, has as property, holds,
of the insurer;
drives or uses;
b. the lawful interest.
- Liability for damages caused by or with a water vessel;
- Liability for damages caused with or by an aircraft, a model
Surety
aircraft, a para-glider, a sports aircraft, a glider, a cable glider,
Should a government require the provision of monetary sure-
an airship, a model rocket as well as a balloon with a diame-
ty, then the insurer shall furnish this surety up to no more than
10% of the insured amount and only if this involves an insured
occurrence.
ter of more than 1 metre when entirely inflated.
- Liability for damages caused in connection with and/or the
use of (firearms) weapons.
The insured is bound to ensure that repayment of the surety
is made as soon as it becomes available.
27
3.4 Special terms and conditions Liability
- Liability is not insured for damages:
a. sustained by goods which an insured has at his or her
Non-owners liability
The liability of the insured for damages caused by domestic
disposal or which a person has at his or her disposal
staff with or by a motor vehicle, of which no other insured
on behalf of an insured – further to a rental, lease,
party than the domestic staff is the holder or owner thereof
pledge or usufruct agreement (including the right of use
is insured.
and habitation);
b. sustained by goods, which an insured has at his or her
disposal unlawfully;
c. sustained by motorised vehicles, mobile homes, caravans,
Motor lawnmowers/model vehicles
The liability of the insured for damages caused by motordriven mowers, children's toys and suchlike utility goods,
soft-topped trailers, motorised boats and sailing craft,
providing they are unable to exceed 10 km per hour, as well as
including windsurfing boards and aircraft which an insured
remote controlled model cars, are insured.
has at his or her disposal or which someone has on behalf
of an insured;
d. consisting of and/or arising out of loss, theft, or
Caravans, trailers, boat-trailers
Not insured is the liability of the insured for damages
deprivation of money, valuable papers, bank account, giro
sustained by third parties caused by or with trailers, caravans,
account, charge cards or credit cards which an insured has
boat-trailers providing these are not connected to a motorised
or which someone has on behalf of an insured.
vehicle and the damages did not come about as a result of the
trailer etc. becoming loose due to a breach or any other defect
Mutual liability
of the coupling or the incorrect coupling or uncoupling of the
Liability for the named insured persons to this end toward one
trailer in question.
another shall only be insured for personal injury.
Loading and unloading
The liability of an insured person towards his or her domestic
The liability of the insured for damages sustained by third
staff for damages as a result of work accidents is also included
parties by or due to baggage or other goods while these are
in the insurance cover for property damage.
being loaded onto or unloaded from a motorised vehicle
is insured.
Immovable property
In connection with immovable property, the following is insured:
Joyriding
the liability of an insured caused by damages being sustained
the liability of an insured for damages caused during joyriding,
due to fire, extinguishing a fire and explosion of a home rented
by a motorised vehicle, providing the perpetrator is younger
by him/her under the terms of a rental agreement (including
than 18 years of age. Joyriding shall be deemed to include any
holiday home/apartment) as well as for movable property or
use of a motorised vehicle without the necessary permission
goods therein, insofar as the insured is not the owner/holder/
to do so, without the intention of alienating said motorised
hire purchaser of said movable property or goods.
vehicle. Liability for damages connected with theft or larceny
of the motorised vehicle remains excluded from the insurance
Other cases of liability for damages sustained by immovable
cover. Should joyriding be the case, without violence, this cover
property or goods, including liability for damages sustained by
shall not apply if liability insurance has been concluded for the
immovable property under construction or being managed,
motorised vehicle.
are not covered.
Rowing boats, canoes, windsurfing boards, model boats
Passengers
The liability for damages caused by or with rowing boats, ca-
The liability of an insured for damages caused by him/her as
noes, windsurfing boards and remote controlled model boats
a passenger of a motor vehicle including damages sustained
is insured.
by that motor vehicle. A passenger shall be deemed to be
28
a person who does not, him or herself, drive the motor
Small sailing craft
vehicle but who is on or in that vehicle, or mounts/enters or
The liability for damages to persons, caused by or with sailing
dismounts/alights from that vehicle.
boats with sail areas of not more then 16 m2 is insured.
3.4 Special terms and conditions Liability
Passengers
The liability for damages caused by a passenger of a boat,
including damages sustained by that craft is insured.
Joysailing
The liability of the insured for damages sustained during
joysailing with a water craft, providing the perpetrator is
younger than 18 years of age is insured. Liability for damages
connected with theft or larceny of a boat remains excluded
from the insurance cover.
Model aircraft
The liability for damages caused with or by model aircraft,
drones or similar objects, the weight of which amounts to no
more than 20 kg is insured.
Damage to goods at the internship address
Liability for damages to goods in the custody of the insured
that are the property of the internship address during
internship activities are insured up to an amount of €10,000.per occurrence.
Claims adjustment and payment
The insurer shall be bound to undertake claims adjustment
and determine damages.
The insurer retains the right to indemnify parties which have
sustained damages and do this directly and by means of
using settlements. In this, the interests of the insured shall be
kept in mind.
29
3.4 Special terms and conditions Liability
3.5 Special terms and conditions Baggage
Category 6 Baggage and household goods
c. collections (such as stamps or coins, or the like);
In this chapter, we explain when your baggage and household
d. tools (with the exception of the car, bicycle, motor
goods are insured. Further on, you can read what you are not
insured for or up to which maximum amount.
bike tools);
e. trade goods and samples;
f. animals;
New value
If your goods are less than one year old, we will pay their
new value.
g. motor vehicles, trailers, mopeds, scooters and all
corresponding accessories. bike carriers and ski boxes
are insured;
h. vessels, aircraft, accessories therefore and everything
Current value
If your goods are older than one year, we will pay their current
value. This value is calculated on the basis of a depreciation
list. You can request this list by sending an e-mail to
[email protected].
About the cover
This is what your insurance covers
Your baggage or household goods are insured against damage
belonging to it;
i. parachutes and paragliders and everything belonging to it;
j. things you need to perform your work (this exclusion does
not apply to things you need for your internship);
k.your ski and snowboard equipment;
l. valuable items that you cannot take along as hand baggage
on a plane, bus, or train;
m.valuable items and travel documents that you have left
behind unsupervised;
and theft. In the case of theft, there must be signs of a break-in
n. entrance tickets and the like that you need during your trip;
and a police report must have been filed. It is also important
o. damage to data files or software;
that normal necessary caution has been exercised. In addition
p. antiques and/or works of art;
to theft, your travel documents are also insured against loss.
q. damage through inherent fault/own fault;
This is what we ask of you
You are obligated:
- to demonstrate that the missing baggage was in your
custody, with copies of receipts or bank statements;
- to demonstrate with a report from the transporter that
you have reported that your baggage had been stolen or
damaged in the plane or means of transport you were
travelling in;
- to file a police report in the event of theft or loss;
- to treat your things with caution. We expect from you that
you never leave your things unsupervised.
Baggage
Baggage is to be understood as the objects that you have
taken along with you or that you have purchased or acquired
during your stay for your own use. Borrowed items are
not included.
Not covered
We shall not reimburse the following objects or in the following
situations:
a. money
b. (balances on) bank cards, cards, credit notes and
bank cards;
30
3.5 Special terms and conditions baggage
Coverage overview for baggage
Per trip, a maximum amount of € 5,000.00 for baggage
per insured is paid (based on premier risque). If, during the
term of your policy, you go to a new location or for a new
study or internship, this shall be deemed as a new journey.
The following overview shows the maximum reimbursement
amount per object and per calender year.
31
Insured
Maximum reimbursement
Mobile phones and smartphones
€750.00
Tablets, laptops, computer, photography and film equipment
€ 2,500.00 (Max. €1,250.00 per item
Watches and jewellery
€250.00
Other objects
Max. €1,500.00 per item
Travel documents
Replacement value
Extra travel and lodging expenses to acquire your travel documents
Up to maximum insured amount
Objects purchased during your trip
€500.-00
The totality of valuable items from a vehicle
€750.00
Emergency costs resulting from your tent being rendered unusable
€350.00
Transport costs for recovered baggage
€250.00
Emergency purchases for toiletries and clothing
€250.00
3.5 Special terms and conditions Baggage
Your baggage is only insured against theft from a means
of transport if:
- the vehicle was properly locked and there are signs of a
break-in;
- the baggage was located in a separately locked baggage
compartment in the vehicle. This does not apply to a brief
rest or break while travelling;
- the vehicle is a camper or van, which was located on the
camping grounds at the time of the break-in.
- the baggage was covered with a rear shelf or a roller cover, or
was concealed by other means. This does not apply to a brief
rest or break while travelling;
Your valuables are only insured against theft from
a means of transport if:
- all of the aforementioned points are complied with;
- the means of transport was not at the accommodation at
which your were staying overnight. In this case, valuable
items must be stored at the accommodation.
Household goods
Household goods are all moveable goods that are logically
considered to be household goods (of a house, camper/
caravan, etc.) that belong to you or are your responsibility as
a result of a rental or lease agreement. The cover is therefore
applicable for rented goods, but not for goods that you have
borrowed from someone. The maximum insured amount is
€ 6,000.00 (premier risque) per insurance policy per year.
Insured dangers
Your household goods are insured against the following
dangers: fire and explosion (also that resulting from own fault),
strike by lightning, induction and power surge after lightning
has struck, aircraft, storm, precipitation, water, steam and
oil, theft or attempted theft after breaking and/or entering,
robbery and extortion, traffic accident, burning, singeing,
smelting, charring, scorching, smoke and soot, as well as
damage caused by glass splinters when windows break.
Not insured
Not insured is damage through your own fault/inherent defect
(with the exception of explosion) or design faults of your
household goods.
32
3.5 Special terms and conditions Baggage
4. Special terms and conditions for IPS Secondary / Primary
Travel insurance IPS Secondary
With the travel insurance IPS Secondary you have insurance
cover for all categories of IPS Basic
+ category 1 – Medical costs as a supplement for your valid
European Health Insurance Card (EHIC).
We reimburse the medical costs that your health insurer does
not reimburse. We will process your claim once you have
submitted the rejection from your health insurer.
Travel insurance IPS Primary
With the travel insurance IPS Primary you have insurance
cover for all categories of IPS Basic
+ category 1 – Medical costs, as primary coverage.
33
4. Special terms and conditions for IPS Secondary / Primary
4.1 Special terms and Conditions Medical Costs
Category 1 – Medical costs
- We shall only provide reimbursement on the basis of the
This chapter contains the terms and conditions under which
payment report of your health insurer, incl. the original
we reimburse medical costs.
medical invoices. You can scan these invoices and send them
Supplemental terms
documents.
to [email protected]. Always keep the original
-A
lso covered are the costs for the shipment from the
What do we understand under the term medicine?
International Alarm Center with regard to medicine,
Medicine is understood as medication that can exclusively be
prostheses and aids (for a maximum amount up to € 500.00),
acquired by means of a doctor's prescription.
which are urgently required according to doctors orders
and for which there is no local feasible alternative available.
What is medical necessity?
The costs for the purchase, if not insured under category 1
Medical necessity shall be deemed to mean: the necessity of
(Medical and dental costs) and any return shipments shall
nursing, examination or treatment which is based on generally
be borne by the insured, even if the shipped items are not
acknowledged medical-scientific considerations.
collected. A cancellation of the order is not possible.
What is understood by costs of medical treatment?
Costs of medical treatment shall exclusively be deemed to
mean:
a.fees for physicians;
b.hospital admission and operation;
c.treatments and examinations prescribed by a physician/
doctor;
d.medications prescribed by a physician/doctor for use during
the validity of the insurance. For longer use, prior written
consent must have been given by the insurer;
e.medically necessary transport by ambulance or (patient) taxi
to and from the place where medical treatment is provided
in the country in which the insured was present upon the
commencement of said transport. No reimbursement shall
be made for the costs of means of public transport such as
train, tram and bus;
f.the first time any prostheses, which have become necessary
due to an accident.
What is understood under the term dental costs?
a.X-ray pictures taken by or on the prescription of a dentist or
doctor in connection with this treatment;
b.medications prescribed by a dentist;
c.repair or replacement of dentures or of artificial elements of
the dentition.
Important information for this coverage
- We are entitled to request your consent to obtain medical
records.
- The necessity for treatment must have originated during the
term of your insurance. Medical treatment must be provided
by someone who is recognised and qualified to this end.
34
4.1 Special terms and Conditions Medical Costs
Coverage overview
Below you will find which treatments are reimbursed and if
a maximum sum applies.
What?
Maximum reimbursement
What exactly?
Medical treatment
Fully covered
Unforeseen and medically necessary
expenses.
Hospital admission
Reimbursement on the basis of
In the event of hospital admission,
the lowest insured class
reimbursement shall take place until the
365th day after the day on which this
admission shall have commenced.
Medicine
Fully covered
Medically necessary and medicine
prescribed by a physician or specialist.
Medically necessary transport
Fully covered
Medically necessary transport of the
insured to and from the physicians
and closest hospital where medical
treatment can be provided.
Prostheses due to an accident
Fully covered
Following an accident, as described in
the chapter "Accidents".
Follow-up treatment
€1,100.00
If you are prevented from going home
as a result of illness or accident and
you require further treatment, we shall
reimburse a maximum amount of
€ 1,100.- after termination of the cover of
your policy.
Dental costs
Dental costs (incl. dental surgeon)
€ 400.00 (maximum amount
Acute and medically necessary
per insurance year, incl. costs
treatment, incl. medically necessary
for dental surgery)
jaw surgery, such as the removal of
wisdom teeth.
35
4.1 Special terms and Conditions Medical Costs
Dental costs as a result of an
€1,100.00
accident
Non-necessary dental costs
These costs are insured until no later
than the 365th day after the accident.
Not insured
Periodic checks, regular treatments and
orthodonty are never covered under this
policy.
Other therapies
Physiotherapy, Mensendieck- or
12 treatments per insurance
Physiotherapy by a physiotherapist,
Cesartherapy treatments
year (max. € 27.50 per session)
Cesartherapy or Mensendieck treatments Additional sessions shall only be
reimbursed if prescribed by a physician
and with the consent of the insurer.
Psychotherapy
9 treatments per insurance year
Psychotherapy shall be deemed as:
(max. €80 per session)
treatment upon prescription by a
physician or a specialist, provided by a
psychiatrist or psychologist. Additional
sessions shall only be reimbursed with
the consent of the insurer.
Acupuncture
12 treatments per insurance
It is important that medical necessity is
year (max. € 27.50 per session)
demonstrated. Additional sessions shall
only be reimbursed with the consent of
the insurer.
Pregnancy
Medically necessary
Fully covered
Costs incurred in the case of pregnancy
and childbirth for mother and child that
are medically necessary or indicated,
compromising:
a. nursing costs if and for as long as
hospital admission is necessary;
b. additional costs that are invoiced;
c. inpatient/outpatient costs incurred for
a specialist;
d. patient transport;
e. costs incurred for medically necessary
medical transport.
36
4.1 Special terms and Conditions Medical Costs
Not medically necessary
€2,000.00
a. nursing costs and/or home maternity
assistance for mother and child
recommended by an officially
recognised maternity hospital, a class
"A" nurse or a certified maternity
nurse up to a maximum of 8 days
after birth. Maternity assistance is
reimbursed up to a max. amount of
€ 135.00 per day;
b. expenses arising from assistance
provided by a specialist, general
practitioner or nurse;
c. outpatient costs incurred.
Preventive (blood) tests or
Not insured
examinations
Costs associated with preventive tests
and examinations are never covered
under this policy.
Pretecho
Not insured
Unnecessary ultrasound examinations,
so-called "pretecho" are never covered
by this policy.
Induced abortion
Fully covered
This is only insured if the treatment is
performed by an officially recognised
institution and the treatment:
a. is medically necessary, or;
b. the pregnancy involves a sexual
offence.
37
4.1 Special terms and Conditions Medical Costs
We do not reimburse the following:
Children
- costs associated with the rental or acquisition of equipment
The following provisions shall apply to children born during
are not reimbursed;
the term of this insurance if they are registered with UMG for
- couples therapy
insurance within one month after birth:
- orthomanual therapy;
a. this insurance shall apply from the birth of the child
- podotherapy;
- chiropractic treatment;
regardless of the nature of the illness or defect;
b. if these children, being younger than 3 months, are required
- camouflage therapy;
to stay in hospital so they can be breast-fed by the mother,
- electrical epilation;
the associated costs will be reimbursed in accordance with
- acne treatment;
the rate for healthy nursing infants for as long as the insurer
- balneo photo therapy;
is required to pay out nursing costs for the mother.
- speech therapy and stutter therapy;
- occupational and exercise therapy;
The quality of medical care
- prenatal and postnatal gymnastics;
UMG wishes to guarantee the quality of medical treatment
- sports massage;
and maintain good collaboration with hospitals. This is why
- other preventive and/or alternative examinations and/or
we are entitled to specify the hospital or the doctor employed
treatments;
for treatment.
- expenses incurred in the country of your nationality (see
restrictions in the general terms and conditions);
- expenses incurred for illnesses, pregnancies and/or afflictions
which you already had when you concluded the insurance;
- medical costs incurred due to treatments or medical exams
if and to the extent that it would be medically justified to
postpone these treatments and/or exams after the insured's
return to the country of origin;
- costs incurred for administrations fee: doctor, dentist etc.;
- expenses for HIV tests (incl. all lab tests);
- contraception;
- allergy tests;
- over the counter medicine;
- genetic testing and/or costs pertaining to fertility problems;
- medical care arising from alpine skiing or snowboarding,
unless you have insured this separately;
- treatments, tests, medicine and dressings that have not been
prescribed by authorised physicians;
- medical care at a private clinic without emergency centre;
- the voluntary excess of your own health insurance provider;
- if the objective of the trip is the treatment or the necessity
of the treatment did not arise during the term of your
insurance;
- cost which you have incurred without the consent of our
emergency centre in a private clinic or the emergency
room although this was not necessary (e.g. you could have
consulted a regular hospital or the general practitioner);
38
4.1 Special terms and Conditions Medical Costs
5. Supplemental cover Cancellation
+ Cancellation
This coverage is optional and only applicable if documented on
your policy.
This is what your insurance covers
Before to trip: Cancellation costs
Coverage for cancellation costs applies the moment that you
have booked the trip up to the moment that the first reserved
transport or lodging is planned.
All occurrences stated in this article are insured up to a
maximum amount of € 1,200.00. The occurrence must
take place during the term of your insurance and must be
unexpected and not foreseeable.
Occurrence
What exactly?
Death, serious illness or injury
If this happens to you, a family member (first or second
degree) or a room mate.
New apartment
If you unexpectedly get a new rented or new-build apartment
within 30 days prior to the commencement of your trip. You
are also insured if you have to be present during the handover
of your existing apartment, if you cannot influence the date of
handover/transfer and this takes place during your trip.
Medical intervention
If you, a co-habiting partner or child unexpectedly need to be
admitted to the hospital for an emergency medical intervention.
Host is not available
This may be because he/she is seriously ill, wounded or has died
as a result of an accident. Your host must live abroad.
Training/internship company/educational
This may be the case because the internship company or
institution not available
educational institution is no longer available, e,g, as a result of
bankruptcy or dissolution.
39
5. Supplemental cover Cancellation
No vaccination
If a physician states that you may not be vaccinated. Your trip
however must be to a country in which you are obligated to
obtain vaccination.
No visa
The visa application may not be rejected as a result of your own
fault and the rejection could not have been foreseen.
Unemployment
You are only insured if your are involuntarily unemployed and
were in regular employment.
New job
If you find a new job. You are only insured if:
- you received unemployment benefits before you received your
new job, and
- you receive a contract for at least 20 hours per week, and
- the contract for the new job is for a period of at least six
months; and
- you are obliged to report for work by your new employer on
the days of your planned trip.
Divorce
Your cancellation costs are reimbursed if your marriage or your
"co-habitation" agreement is finally dissolved.
Failure of transportation means
This must be the means of transportation with which you or a
co-insured person were to travel abroad.
Cancellation costs are only reimbursed if the damage occurred
less than 30 days prior to your departure as a result of an
external calamity (e.g. traffic accident or theft). Breakdowns or
mechanical malfunctions or the like are not covered.
Your parent(s) or child(ren) require unexpected
You must be the only one that can provide this help.
help from you
Travel documents are lost or stolen
You are only insured if this happens on the day of your
departure. In the event of theft, you must report this to the
police. You must be able to submit proof of this to us.
Travel companion cancels
Has your travel companion cancelled for one of the aforementioned reasons? Then we will also reimburse your cancellation
costs, even if your travel companion is not insured against this.
40
5. Supplemental cover Cancellation
A part of the combined itinerary is cancelled.
If one part of your combined itinerary is cancelled, you are
insured up to the maximum amount of the cancellation costs
for the other parts of the itinerary. This shall only apply if the
transporter, landlord or travel organisation does not reimburse
the costs for the cancellation and cannot provide a replacement
and you have insured the part of the combined itinerary.
You can also choose to continue the trip in an adapted form.
In this case, we will reimburse the necessary travel and lodging costs of the other cancelled parts up to the amount of the
cancellation costs.
You are not insured in the event that the trip is cancelled
because there is an insufficient number of participants. Your
booking must be guaranteed from the start of your trip. You are
also not insured if the cancelled part is an event that does not
take place, such as a concert, a course or a competition.
During the trip: termination reimbursement
If something happens that is described in the above article and
Cover applies during the entire period of your trip.
that is unexpected and unforeseeable, we shall reimburse the
unused travel days.
You are entitled to termination reimbursement if you or a
travel companion must return to your home country earlier as
We reimburse the following:
a result of:
- The cancellation costs for all covered occurrences as
- the death, serious illness or serious injury following an
described above that take place during the term of your
accident of a first- or second-degree family member or your
insurance, which are unexpected and unforeseeable. If you
room mate;
have received or can receive a part of the travel costs, we
- death of a third-degree family member;
- complications during the pregnancy for you or your partner;
- an unexpected and medically necessary intervention that
you, your partner, or a live-in child must undergo;
- the death, serious illness or serious injury following an
accident of the host abroad at which you reside during your
trip;
- the serious damage of your residence or the company at
which you work, necessitating your return;
- are you or one of your insured travel companions admitted
shall deduct this from our reimbursement.
- Did you have to terminate your trip prematurely? And did you
actually return earlier than you had planned? Then you are
entitled for reimbursement for the number of travel days
that you did not make use of.
- Are you entitled for reimbursement because you or your
travel companion were admitted to a hospital? Every night
at the hospital is regarded as an unused travel day.
- You are entitled to reimbursement based on one travel sum
per day. To do so, we divide everyone's person travel sum by
at least one night to a hospital during your trip? Then you are
the number of travel days. We only reimburse full days. If you
also entitled for reimbursement of the unused travel days.
are able to get a refund or if you have obtained a refund, we
- your internship company/educational institution is no longer
will deduct the amount from our reimbursement.
available as a result of unforeseen circumstances.
We never reimburse more than the amount for which you are
insured.
41
5. Supplemental cover Cancellation
In the following cases, we do not make any
reimbursements:
- We shall not make any reimbursement if we have repatriated
you although you were not entitled according to the terms
and conditions.
- Did you conclude the insurance later than 21 days after you
booked your trip? Then you are not entitled to make a claim
under the supplemental cancellation cover.
- Are you hospitalized during your trip as the result of an
affliction or defect that you had 3 months prior to the
conclusion of the insurance, or do you have to cancel your
trip due to this affliction or defect? Then you are not entitled
to make a claim under the supplemental cancellation cover.
What do you have to do if you want to cancel
your trip?
Let us know as soon as possible.
Preferably straight away or no later than 3 workdays after the
occurrence via [email protected]. If you report your
cancellation later, this may have consequences for the amount
of your reimbursement.
Who do we pay the reimbursement to?
We only pay the reimbursement to you or a co-insured person
who is entitled to the same reimbursement according to these
terms and conditions. In the case of death, payment will be
made to the heirs. We request that heirs submit a declaration
of inheritance or other form of evidence.
42
5. Supplemental cover Cancellation
6. Supplemental cover Winter sports and hazardous sports
+ Winter sports and hazardous sports
This coverage is optional and only applicable if documented on
your policy.
This is what your insurance covers
You are insured up to the amount specified in the baggage
chapter for damages arising while skiing and snowboarding:
- for your ski and snowboard equipment;
- for winter sports items rented abroad;
- for costs for ski passes, skiing lessons and rented skiing
equipment, if you can no longer make use of this as a result
of an accident or your premature return. We shall only
reimburse the costs of the unused days.
- damages (no pure financial loss) that you suffer as a result
of (under)water sports and winter sports that have a risk
class of 3 or less. A list of these sports and risk classes
can be requested from the customer service centre of
StudentsInsured.
We do not insure the following
- damages arising as a result of you neglecting warning and
bans on or around the slope;
- damages merely to the ski poles, fasteners, the fittings or
the edges of the skis or snowboard, unless further use is
impossible as a result of this damage.
Your own risk
Your own risk for ski and snowboard equipment is equal to
your own risk for baggage coverage.
43
6. Supplemental cover Winter sports and hazardous sports
7. Supplemental cover Tractor
+ Tractor
Own risk
This coverage is optional and only applicable if documented
An own risk is applicable for damages to or through use of
on your policy.
agricultural and forestry tractors or self-driven agricultural
equipment.
Who is insured?
Interns are insured, who during their education or internship,
€ 250.00 to acquire practical experience at an internship provider
€ 500.00per claim if the damage was caused to the
per claim
(a profit or non-profit company or organisation) or who
tractors and other agricultural equipment
are under the responsibility or with the consent of the
and the intern was not in possession of
school board.
the class T driving licence (or a comparable
foreign equivalent).
What is insured?
In the event of damage to goods of the internship
Agricultural internship – damage
provider
Material damage is insured which is caused by the intern
This insurance increases the cover for liability for damages
during the performance of agricultural work on behalf of the
caused by an intern to goods in their custody, under
practice address as a result of carelessness or negligence
management, storage, rental, use, for processing or handling
in the performance of the assigned tasks irrespective of the
during the period of the internship.
liability of the intern. An own risk is applicable for damages to
or through use of agricultural and forestry tractors or self-
This applies to goods that belong to or are under the
driven agricultural equipment.
management of the internship provider where the intern is
working, whereby the damages must be associated with the
Insured amounts
practical activities that the intern performs.
€ 10,000.00 per claim
€ 20,000.00 per insurance year
Motorised vehicles
This cover also applies to damages to agricultural or forestry
Own risk
tractors or self-driven agricultural equipment under the
€ 250.00
per claim
management or handled by an internship provider. Also
covered is damage inflicted on agricultural or forestry tractors
End of internship cover
or self-driven agricultural equipment, but only if this damage is
According to this clause, cover shall end after completion
inflicted at the practice address of the internship provider and/
of the internship period, as specified when concluding this
or to items belonging to third parties at the practice address.
insurance, or before the internship is actually completed.
The date of the report of claims resulting from an action or
Other damages caused with or by an agricultural or forestry
omission that took place prior to the expiry of the coverage is
tractor is not covered.
max. 12 months after the termination of this coverage.
Insured amounts
Cover under this insurance and other insurances
€ 12,500.00 per claim and
No entitlement for claims can be granted for coverage
€ 50,000.00 max. per insurance year.
resulting from the clause if the damage is covered by another
insurance (whether concluded prior or not) or is the claim
would be covered by another insurance if this insurance did
not exist.
44
7. Supplemental cover Tractor
Terms and conditions of the policy IPS017-EN
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