INSURANCE TERMS AND CONDITIONS ANNUAL TRAVEL INSURANCE EUROPE AND WORLDWIDE

Insurance terms and conditions no. 0904 This is a translation of the original Danish terms and conditions. In case of any discrepancies, the wording of the Danish original shall apply.

Basis of contract The insurance contract made with Tryg represents the policy, any endorsements and the insurance terms and conditions.

Furthermore, Danish legislation shall apply, including the Danish Financial Business Act and the Danish Insurance Contracts Act to the extent that the latter has not been derogated from.

Pre-existing illness If you have a pre-existing illness, the insurance covers treatment of an acute worsening of the illness occurring during the trip, provided that the illness has been in a stable, good phase* for the past 2 months prior to departure.

If you are in doubt about what the insurance covers, you are welcome to contact us on phone no. +45 70 11 20 20.

The European Health Insurance Card (The blue card) We recommend that you order the blue card through your municipality.

Contrary to the Danish Tourist Health Insurance Certificate, the blue card also covers treatment of pre-existing illness, and the cover is not limited to pure holiday trips.

When travelling within Europe*, you should contact The Danish Health Security.

The card substantiates that you are entitled to medical assistance in Europe* in line with the country’s citizens.

Supervision and Guarantee Fund Tryg is subject to supervision by the Danish Financial Supervisory Authority and affiliated to the Danish Guarantee Fund for Non-life Insurance Companies.

Further information Further information about this insurance can be found at www. tryg.dk, www.forsikringsoplysningen.dk or www.ankeforsikring. dk.

Tryg Alarm Our employees and medical staff are ready to take your call day and night: Phone: Fax:

+45 44 68 82 00 +45 44 68 83 00

TRS 174-3 (08.10)

Further, see "In case of an insurance event", section 2.

Tryg | Klausdalsbrovej 601 | DK-2750 Ballerup +45 70 11 20 20 | www.tryg.dk Tryg Forsikring A/S | CVR-nr. 24260666

Right of cancellation Applies solely to private consumer insurances You have a right of cancellation in connection with purchase of private insurance, but the right of cancellation depends on the three following situations: • You have met our representative when you purchased your insurance. • You have not met our representative physically when you purchased your insurance (distance selling). • Your insurance has been amended, and you are therefore entitled to exercise your right of cancellation in relation to such amendment. You can find further information on the right of cancellation in s. 34(i) and s. 34(e) of the Danish Insurance Contracts Act.

The right of cancellation period

The right of cancellation period is always 14 days, and commencement of the period will depend on how the agreement was made; see items 1-3 below: 1. If you have met Tryg’s representative when you purchased the insurance, the right of cancellation period will commence at one of the points in time below whichever is the later: a As from the day when it has been confirmed that you have purchased the insurance. b Or as from the day when you have received explicit and written information on your right of cancellation. 2 . In connection with distance selling, the right of cancellation period will commence at one of the following points in time whichever is the later: a As from the day when it has been confirmed that you have purchased the insurance. b As from the time when you have received the information which Tryg is under an obligation to provide you with either on paper or by email. 3. In case of alterations, the right of cancellation period will commence according to the provisions described under items 1 and 2 above. Please note that the cancellation can only be based on the alteration in relation to extension of the cover. The right of cancellation period of 14 days will be calculated as follows: For instance, if you purchase your insurance on Monday the 1st and receive the information mentioned on Wednesday the 3rd, the right of cancellation period will expire on (and include) Wednesday the 17th. Where the right of cancellation period expires on a public holiday, Saturday, Constitution Day, Christmas Eve or 31 December, the right of cancellation period will expire on the following weekday. How to exercise your right of cancellation Before expiry of the right of cancellation period, you must inform Tryg that you want to exercise your right of cancellation. You may do this either by letter or e-mail. If you want proof that you have informed Tryg of your intention to exercise your right of cancellation within the time-limit, you can send a letter by registered mail and keep the certificate of posting. The information must be sent to: Tryg Klausdalsbrovej 601 DK-2750 Ballerup E-mail: [email protected] If you want to exercise your right of cancellation If you want to exercise your right of cancellation, the purchase will be cancelled and you will not be liable to pay for the insurance. This also means that in case of damage during the period from purchase of the insurance and until cancellation of the insurance, such damage will not be covered under the insurance. Where you have purchased the insurance in connection with distance selling, you may withdraw from the purchase if you have not received the relevant information from Tryg. The purchase will be cancelled as from the time when you send Tryg a letter or an e-mail informing Tryg of the cancellation. Please note that you must pay for the insurance until you withdraw from the purchase, however, excluding for the 14 days which constitute the ordinary right of cancellation period. Tryg will calculate the price relative to the period of time during which you have been insured and based on the agreement made on purchase of the insurance.

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Guidance on the insurance terms and conditions The Annual Travel Insurance covers a number of the incidents you may encounter during your trip, however, the terms and conditions stipulate both exclusions and limits.

Contents and structure of the insurance The insurance is made up by a basic insurance and some optional coverages, if selected.

In the terms and conditions, we have aimed at clarifying what is covered and what is not covered. A number of words/expressions have been written in bold followed by an asterisk* which means that the words/expressions have been defined.

Each cover is divided into: • The insurance covers • The insurance does not cover • Compensation/Indemnity The coverages you have selected appear from the policy. It is important that you check your policy to ensure that you have all the coverages you have requested.

We recommend that you read the insurance terms and conditions before you may need to report a claim under the insurance. If you have any questions regarding the insurance, you are always welcome to contact us.

If you need to report a claim under the insurance The insurance terms and conditions have a section on what to do if you need to report a claim under your insurance. Therefore, it is a good idea to bring the insurance terms and conditions along with you on your trip.

Contents Contents Page

Contents Page Right of cancellation

15 Death 16 Dental injury 17 Assault 18 Delayed luggage 19 Cover of excess 20 Liability for damage to rented vacation home 21 Guarantee

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Guidance on the insurance terms and conditions 3 1 1.1 1.2. 1.3 1.4 1.5 1.6 1.7 1.8 1.9

General terms and conditions Annual Travel Insurance Europe or Worldwide Geographical area covered Who is covered by the insurance What types of trips are covered When does the insurance cover When is additional insurance coverage needed for a specific trip? Payment of compensation/indemnity Insurance taken out with another Insurer General exclusions

4

2

In case of an insurance event

6

Basic insurance 3 Medical expenses and repatriation 4 Compassionate emergency repatriation 5 Compassionate emergency visit 6 Escort 7 Replacement holiday 8 Ruined travel days 9 Insurance of vacation home 10 Delayed and missed departure 11 Search and rescue 12 Evacuation and involuntary stay 13 Crisis counselling 14 Permanent injury

8 9 10 10 11 12 13 13 14 14 15 16

4 4 4 4 5

17 18 18 19 19 20 20

Annual optional coverages Is covered by the insurance when stipulated in the policy.

5 5 6 6

22 23

Travel guarantee Cancellation Insurance

21 22

Luggage, personal liability and legal expenses Is covered by the insurance after a total travelling period of 3 months insofar as additional insurance coverage has been taken out.

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24 Luggage 25 Personal liability 26 Legal expenses

24 25 25

27 Common terms and conditions 27.1 Payment of premium 27.2 Indexation 27.3 Duration and cancellation of the insurance 27.4 Alterration of the insurance terms and conditions and the premium tariff 27.5 Complaints

26 26 26 26

Definitions

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26 27

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General terms and conditions

1.1 Annual Travel Insurance - Europe or Worldwide The Annual Travel Insurance can be taken out with cover in Europe* or worldwide. The selected geographical area covered by the insurance appears from the policy.

Annual Travel Insurance Worldwide* Can be supplemented with a Cancellation Insurance as an annual optional coverage. Travel Guarantee is automatically comprised by the insurance.

Annual Travel Insurance Europe* Can be supplemented with 2 annual optional coverages: • Travel Guarantee • Cancellation Insurance

It is specified in the policy if the Annual Travel Insurance has been supplemented with the annual optional coverages.

1.2 Geographical area covered 1.2.1 Annual Travel Insurance Europe* The insurance provides cover in Europe*.

specified in the selected Annual Tranvel Insurance provides cover.

Europe* corresponds to the area covered by the Danish Tourist Health Insurance Certificate. If this area is changed, the geographical area covered by the insurance will aslo be changed.

1.2.4 Holiday trips in Denmark The Annual Travel Insurance covers holiday trips in Denmark. The insurance does not cover Medical expenses and repatriation (section 3), Permanent injury (section 14), Death (section 15) nor Dental injury (section 16).

1.2.2 Annual Travel Insurance Worldwide The insurance provides cover worldwide.

The Cancellation insurance covers cancellation of holiday trips in Denmark.

1.2.3 Annual optional coverages Travel Guarantee and Cancellation Insurance provide cover in the same geographical area as the one

1.3 Who is covered by the insurance insurance and other insurances have been taken out in Tryg and the insured is a member of one of the following customer programmes: • Tryg Ung • Tryg Familie • Tryg Senior • Tryg Landbo • Tryg Landbrug

1.3.1 The insurance covers the Insured and the Insured's household*. 1.3.2 The coverages Compassionate emergency repatriation, s. 4, Escort, s. 6 and the optional coverage Cancellation Insurance, s. 23 have been extended to comprise the follwing group of people when it is not comprised by the Insured's household*: • Children, sons-in-law and daughters-in-law or grandchildren • Parents, parents-in-law or grandparents. • Brothers and sisters, brothers-in-law or sisters-in-law.

For such customers a co-insured* may also be: • 1 person under the age of 18 not comprised by the insured's household*. It is a condition that the said co-insured* travels without his/her parents. • 1 person not comprised by the insured's household* when the Insured is travels on his/her own.

Cover is conditional upon: • The persons from the group mentioned travelling together with the Insured during the entire trip and having the same departure and arrival date from/to Denmark as the the Insured. • The persons mentioned being covered under a corresponding annual travel insurance or shortterm travel insurance with Tryg. In connection with cancellation, it is, furthermore, a concition that a cancellation insurance has been taken our with Tryg for the entire group of people.

Tryg Landbrug customers obtain the additional benefit that the Annual travel insurance covers Compassionate emergency repatriation in case the temporary help at the insured's farm dies or sustains acute serious illness or accident.

1.3.3 Special benefits for multiple insurance customers The insured obtains special benefits if he/she has taken out his/her Annual travel insurance with Tryg Gruppeforsikring or with Tjenestemændene. The same benefits are also obtained if his/her Annual travel 4

It is a condition that the trip is commenced from Greenland.

1.3.4 The insurance covers persons who are residents in Denmark.

The terms and conditons generally refer to Denmark, but where the Annual Travel Insurance Worldwide has been taken out by persons who are residents in Greenland, Denmark is replaced by Greenland.

It is a conditon that the outward trip is made from Denmark and that the Insured has a valid Danish Health Insurance Certificate.

The Insurance does not cover trips in Greenland made by persons who are residents in Greenland.

1.3.5 The Annual Travel Insurance Worldwide also covers persons who are residents in Greenland.

1.4 What types of trips are covered Annual Travel Insurance Europe* Worldwide

Annual optional coverages Travel guarantee Cancellation Insurance

Holiday trips, incl. Denmark

Yes

Yes

Yes

Yes

Study tours: - in Europe*

Yes

Yes

Yes

Yes

No

Yes

Yes Automatically if Worldwide cover has been taken out

Yes If Worldwide cover has been taken out

Period of study abroad when registered with an educational institution abroad

Yes

Yes

Yes

Yes

Holidaytrips in connection with paid work

Yes

Yes

Yes

Yes

Participation in dangerous sports*

Yes

Yes

Yes

Yes

Participation in expeditions and professionel sports*

No

No

No

No

- Outside Europe*

1.5 When does the insurance cover The following applies to the Cancellation Insurance: • For each trip, the insurance will take effect when the Insured has booked a trip, or a vacation in Denmark however no eralier than at the time of payment of the deposit. Where the insurance has been purchased after the trip has been booked/the deposit has been paid, the insurance, however, will take effect at the time of purchasing the insurance. • The insurance will terminate at the time when the Insured leaves his/her home in order to commence the trip.

1.5.1 Maximum periode of cover The Annual Travel Insurance covers holiday trips and study tours during a maximum period of 60 days. 1.5.2 Where the trip lasts for more than 60 days, additional insurance coverage is needed for the specific trip, see subs. 1.6. The travelling period* can be extended to a maximum period of 18 months in total. 1.5.3 Period of cover per trip Each trip is covered during the travelling period*.

1.5.4 Holiday trips combined with business trips The insurance only covers such periods within the traveling period* which are spent as pure holiday trips.

For Annual Travel Insurance and the Travel Guarantee, the following applies: • For each trip, the insurance will take effect at the time when the Insured leaves his/her home in order to commence the trip. • When the Insured returns to his/her home/residence*, however no later than on the date return stipulated in the policy. • If the return is delayed and the Insured cannot be blamed for such delay, the period of cover will automatically be extended by up to 48 hours.

Business activity in connection with holiday trips If it can be substanitiated that the main purpose of the trip is holiday, the insured is covered during activities related to the insured's business, provided that the said activities last no longer than 1 day, e.g. visiting a business partner, attending a conference or a trade fair.

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1.6 When is additional insurance coverage needed for a specific trip The Annual Travel Insurance provides cover for up to maximum 60 days and within the geographical area selected for the insurance.

When Travel Guarantee is comprised by the Insurance When the Annual Travel Insurance Europe* with Travel Guarantee has been taken out, additional insurance coverage can be taken out if the trip is made outside this area.

The Insured must contact Tryg in case he/she needs to take out additional insurance coverage to the Annual Travel Insurance, or where the type of trip is different from that covered by the Annual Travel Insurance, see table, section 3.

Where the trip lasts for more than 60 days, cover of the entire traveling period* lapses. Therefore, additional insurance coverage cannot be taken out in connection with trips which last for more than 60 days.

The additional insurance coverage only covers that specific trip and only the persons mentioned in subs. 1.3.1 and who travel along.

If the Cancellation Insurance has been taken out The sum insured can be increased in connection with trips where the price of the trip exceeds the maximum sum insured of the cover.

The options in relation to taking out additional insurance coverage for the specific trip are the following: If the Annual Travel Insurance Europe has been taken out Additional insurance coverage must be taken out, where: • The trip lasts for more than 60 days in Europe* • The trip is made outside Europe* If the Annual Travel Insurance Worldwide has been taken out Additional insurance coverage must be taken out where the trip lasts for more than 60 days.

If Europe* has been selected as geographical area for the Annual Travel Insurance, and where the trip is made outside Europe*, no additional insurance coverage can be taken out. However, a Cancellation Insurance can be taken out for such trip. If additional insurance coverage has been taken out If additional insurance coverage has been taken out for a specific trip, a policy will be submitted from which the type of additional insurance coverage appears as well as the changes to the Annual Travel Insurance and/or the annual optional coverages.

1.7 Payment of compensation/indemnity Compensation/indemnity will be paid when Tryg has received and assessed the information which Tryg finds necessary in order to determine whether or not compensation/indemnity will be paid and to determine the size of the compensation/indemnity.

In case of payment of compensation/indemnity, Tryg is subrogated to the Insured's rights. Compensation/indemnity will be paid in Danish kroner.

1.8 Insurance taken out with another Insurer Where insurance covering the same claim has been taken out with another Insurer, double insurance exists, and the claim must also be reported to the other Insurer.

insurance, the same exclusions and limits apply to this insurance. The result is that Tryg and the other insurance company are to pay a proportionate compensation.

Where another insurance company excludes or limits the liability to pay damages in connection with double

However, this does not apply to Permanent injury, section 14 and Death, section 15.

1.9 General exclusions The insurance does not cover expenses for legal assistance and other consultancy services.

insurrection or civil unrest exist. Where one of the aforesaid circumstances arise after the Insured has entered the country, the Insured can stay there for up to 30 days after the outbreak of the conflict. Cover is, however, conditional upon the Insured himself/herself not taking part in the acts. • Sequestration, nationalisation or revolution. • Nuclear reactions and radioactive decay, irrespective of whether such damage/injury occurs in times of peace or war. However, the insurance covers damage/injury caused by or occurring in connection with nuclear reactions applied for ordinary industrial, medical or scientific purposes. • Strike or lockout. • Attachment, sequestration or other intervention by the authorities.

Irrespective of the Insured's state of mind or sanity, the insurance does not cover damage/injury resulting directly or indirectly from: • Intentional, criminal or gross negligent actions or omissions. • Participation in fights, self-induced intoxication, selfinduced influence of narcotics and other intoxicants or attempted suicide. Furthermore, the insurance does not cover injury which directly or indirectly results from: • Entry into a country in which war, war-like circumstances, violation of neutrality, civil war,

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In case of an insurance event In connection with an insurance event, the Insured may receive compensation/indemnity under one or more coverages comprised by the insurance.

The following sections explain what the Insured must do in the individual circumstances and what documentation is needed.

2.1 Medical expenses, injury or death Any situation which may result in compensation must be reported to Tryg Alarm as soon as possible. Costs of phonecalls to/from Tryg Alarm are covered by the insurance.

Death Death certificate must be sent to Tryg.

Medical expenses and repatriation In connection with hospitalisation and/or extraordinary repatriation resulting from illness or injury, or if the home journey is delayed, Tryg's medical consultant will contact the hospital/doctor in charge of treatment to agree on further treatment, transfer, repatriation etc.

Dental injury When the Insured returns home, the documentation/ certificate from the dentist at the holiday resort must be sent to Tryg.

Tryg is entitled to require an autopsy of the Insured.

If the illness or injury does not necessitate hospitalisation, the medical certificate, copies of any prescriptions, a list of the expenses accompanied by the original bills, and a claim must be forwarded to Tryg. Tryg can provide guarantees or submit payment to the hospital/doctor in charge of treatment. Compassionate emergency repatriation, compassionate emergency visit and escort Where Tryg is not able to provide an itinerary for the compassionate emergency repatriation within 6 hours after having received the notification of claim and after having assumed its liability to pay damages, the Insured may arrange the home journey.

Assault Documentation for reporting to the nearest police, medical certificate and names of any witnesses must be sent to Tryg. Replacement holiday When the Insured returns home, the medical certificate, the travel certificate, documentation for the duration of the holiday and the original bills for the expenses for transportation, accommodation*, excursions, arrangements and activities must be sent to Tryg. Ruined travel days When the Insured returns home, the medical certificate stating diagnosis, period of hospitalisation or rest ordered by doctor and any examination results, treatment and medication and documentation for the duration of the travel must be sent to Tryg.

After return, the original bills in connection with additional transportation expenses, medical certificate, death certificate or police receipt must be sent to Tryg.

Travel guarantee Is covered by the insurance when stipulated in the policy.

Permanent injury When the Insured returns home, the medical certificate must be sent to Tryg.

See Replacement holiday and Ruined travel days above.

2.2 Vacation home Insurance of vacation home After the Insured has returned, a list of the extra expenses accompanied by original bills as well as documentation for the damage and the reimbursement already made, must be sent to Tryg.

Liability for damage to rented vacation home When the Insured returns home, a description of the course of events, name and address of the claimant and names of witnesses, statement of the documented claims and any police receipt must be sent to Tryg.

2.3 Rescue Any situation which may result in compensation must be reported to Tryg Alarm immediately. Evacuation and involuntary stay Tryg can assist with the arrangement of transportation*, accommodation* etc. The possibilities of transportation may be limited in countries at war or in war-like situations, and Tryg is not responsible for the extent to which transportation can be carried out, but in cases where assistance is necessary, Tryg will cooperate with the Royal Danish Ministry of Foreign Affairs, the tour operator or the like. Where Tryg cannot provide an itinerary for the repatriation in connection with evacuation within 12 hours after it

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has been decided that evacuation must take place, the Insured is free to make arrangements for the repatriation him/herself. When the Insured returns home, the original bills for the expenses must be sent to Tryg. Search and rescue Documentation for notification to local authority must be sent to Tryg. Crisis counselling In connection with need for psychological crisis counselling, Tryg will assist the Insured in establishing contact with a psychologist and with the arrangement of transportation*, accommodation* etc. for persons summoned.

2.4 Other loss during the travel Delayed luggage When the Insured returns home, documentation for the delay received from the carrier (P.I.R. - Property Irregularity Report), flight ticket, luggage certificate and documentary proof of the time when the luggage* was received, must be sent to Tryg.

Cover of deductible The damage to luggage must be reported under the Insured's Household Contents Insurance. A copy of the settlement of the claim under the Household Contents Insurance and documentation for where and when the damage occurred must be sent to Tryg.

Delayed and missed departure Any situation which may result in compensation must be reported to Tryg Alarm immediately.

Guarantee Any situation which may result in compensation must be reported to Tryg Alarm immediately.

Tryg can assist with the arrangement of transportation*, accommodation* etc.

Documentation must be sent to Tryg.

When the Insured returns home, the original bills for the expenses and the original itinerary must be sent to Tryg.

2.5 Cancellation of the trip Cover is provided for cancellation of the trip where it appears form the policy.

In connedtion with cancellation of a trip with a specific purpose, the purpose of the trip must be substantiated by means of written documentation.

Any claim for damages must be reported to Tryg as soon as the Insured knows that the trip cannot be carried out.

In case of separation/divorce a copy of the decree must be enclosed. In case of termination of non-marital relationship documentation from the municipal registration office must be enclosed.

Documentation must be presented in the form of original travelling papers from the tour operator* confirmation of the cancellation of the trip and information on the amount reimbursed by the tour operator*.

In case of involuntary dismissal, documentation must be the enclosed dismissal and for any new employment agreement.

Furthermore, a medical certificate, a death certificate or police report etc. must be enclosed.

2.6 Luggage, personal liability and legal expenses

After a total travelling period of 3 months*, the following coverages are included when additional insurance coverage has been taken out. Luggage Documentation in the form of reporting to the police or carrier or documentation of age and value of the stolen/ damaged items must be sent to Tryg.

Legal expenses The claim in relation to cover of legal expenses will be made by the lawyer who has taken on the case. Subsequently, the lawyer reports the insurance event to Tryg.

Personal liability When the Insured returns home, a description of the course of events, name and address of the claimant and names of witnesses, statement of the documented claims made by the claimant and any police receipt must be sent to Tryg.

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Annual Travel Insurance Europa and Worldwide 3

Medical expenses and repatriation

The Annual Travel Insurance’s cover of medical expenses and repatriation is a supplement to the cover provided by the Danish Tourist Health Insurance Certificate. Therefore, the Insured can obtain cover of expenses for treatment of illness and injury and for repatriation in the following way: The Annual Travel Insurance Europe* has been selected: Travelling period

Illness and injury

Repatriation due to illness and injury

Repatriation of deceased

The first 30 days

The Danish Tourist Health Insurance

The Annual Travel Insurance

The Danish Tourist Health Insurance

The following 30 days

The Annual Travel Insurance

The Annual Travel Insurance

The Annual Travel Insurance

More than 60 days

Additional insurance coverage must be taken out for each trip

Additional insurance coverage must be taken out for each trip

Additional insurance coverage must be taken out for each trip

Trips outside Europe*

Additional insurance Additional insurance Additional insurance coverage for each trip or coverage for each trip or coverage for each trip or Annual Travel Insurance Annual Travel Insurance Annual Travel Insurance Worldwide must be taken out Worldwide must be taken out Worldwide must be taken out

The Annual Travel Insurance WorldWide has been selected: Travelling period The first 30 days - Trips in Europe*

Repatriation due to illness and injury

Illness and injury

Repatriation of deceased

The Danish Tourist Health Insurance

The Annual Travel Insurance

The Danish Tourist Health Insurance

- Trips outside Europe*

The Annual Travel Insurance

The Annual Travel Insurance

The Annual Travel Insurance

The following 30 days

The Annual Travel Insurance

The Annual Travel Insurance

The Annual Travel Insurance

More than 60 days

Additional insurance coverage must be taken out for each trip

Additional insurance coverage must be taken out for each trip

Additional insurance coverage must be taken out for each trip

Persons who are residents in Greenland When the Annual Travel Insurance Worldwide has been taken out for persons who are residents in Greenland, the following applies: • Where the Insured cannot obtain compensation from other sources in case of illness or injury sustained during trips in Europe* (outside Greenland), the Insured will be covered under the cover of Medical expenses and Repatriation.

3.1 The insurance covers 3.1.1 The insurance covers so the Insured can receive treatment and/or be repatriated in case of acute illness* or injury occurring during the trip. 3.1.2 Pre-existin illness The insurance covers treatment of an acute worsening of pre-existing illness, provided that the illness has been in a stable, good phase* for the past 2 months prior to departure.

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3.1.3 Acute illness and injury prior to departure The insurance covers treatment of acute worsening of illness/injury which has occurred within 2 months prior to departure, insofar as Tryg’s medical consultant assesses that it is not reasonable to expect a need for treatment during the trip.

3.2 The insurance does not cover 3.2.1 The insurance does not cover: • In Denmark • Illness/injury insofar as symptoms thereof existed prior to the departure or insofar as such had been diagnosed by a doctor prior to the departure, cf. however subs. 3.1.2. • Where a medical examination or treatment immediately prior to the departure states that a worsening of the illness/injury may be expected to arise during the planned trip and the activities connected with that and the medical praditioner in charge of treatment advises against travelling. • Where the Insured has refused medical treatment of the illness or injury before the period of insurance.

• Treatment of consequences following surgery and medical treatment which the Insured has planned to have made abroad. • Continued treatment if the Insured refuses to be repatriated when the doctor in charge of treatment and Tryg's medical consultant has decided that repatriation must take place. • Treatment after return to Denmark. However, the Insured is covered during short stays in Denmark provided that documentation exists that a return journey* has been planned by the Insured. • Treatment of illness/injury if the Insured after having been repatriated, travels abroad again without prior written agreement with Tryg. • Pregnancy examination, pregnancy tests, induced abortions, sterilisation, examinations/treatment of sterility. • Child delivery or complications of pregnancy occurring after the 35th week of pregnancy.

3.2.2 The insurance does not cover expenses for: • Convalescence stays or stays at a health resort.

3.3 Compensation

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3.3.1 Compensation is conditional upon the Insured's providing a medical certificate issued by the locally authorised doctor in charge of treatment. The certificate must specify the diagnosis and the treatment given.

• Crisis counselling when acute illness*, death, robbery*, assault, accident, fire, explosion or burglary has lead to an acute emotional crisis. • Extension of the insurance if the duration of the illness/ injury extends beyond the period of insurance.

3.3.2 The insurance covers the expenses necessary for: • Hospital stays and treatment, including operations and ambulance transportation* to the nearest place of treatment. • Medical treatment and medicine prescribed by a doctor. • Physiotherapist and chiropractor treatments up to a maximum of DKK 15,000. • Emergency dental treatment*. • Hotel stay and meals* when an extraordinary stay has been prescribed by a doctor. • Repatriation or transportation* to the nearest suitable place of treatment ordered by a doctor. Transportation* must be approved by Trygs medical consultant.

3.3.3 In addition, the insurance covers the expenses necessary for: • Escort approved by Tryg's medical consultant because the Insured is not capable of travelling on his/ her own. • Transportation* to Denmark or transportation to enable the Insured to catch up with the planned itinerary after a delay which has occurred because a hospital or hotel stay has been prescribed for the Insured by a doctor. 3.3.4 In the event of the Insured's death, expenses for transportation of the deceased to Denmark, including all expenses for statutory measures, are covered.

Compassionate emergency repatriation

4.1 The insurance covers 4.1.1 The insurance covers where the Insured has to terminate the trip in order to go home due to: • Death or hospitalisation as a result of serious injury* or an acute serious illness* sustained by the following persons staying in Denmark: - Persons who are comprised by the Insured’s household*. - The Insured's children, sons-in-law and daughtersin-law or grandchildren. - The Insured's parents, parents-in-law or grandparents. - The Insured's brothers and sisters, brothers-in-law or sisters-in-law. 10

• Fire, explosion, flood or burglary in the Insured's private home or enterprise where a police report or notification to a rescue company can be presented. • Fraudulent actions in the Insured's own enterprise committed by an employee where a police receipt has been made. • Work stoppage in defiance of agreements entered into at the Insured's own enterprise. 4.1.2 The Insured and co-insured* can interrupt the trip if they are travelling home together.

4.2 The insurance does not cover The insurance does not cover where the event causing the compassionate emergency repatriation has occurred prior to the period of cover, cf. subs. 1.5.

4.3 Compensation 4.3.1 Compensation is conditional upon the home journey being made subject to agreement with Tryg. 4.3.2 The insurance covers necessary additional expenses for transportation*.

4.3.4 Where the Insured and/or co-insured* resume the trip, the insurance covers necessary additional expenses for transportation* for the return journey*, provided that the trip is resumed no later than 7 days prior to the planned expiry of the travelling period*.

4.3.3 Where the trip is made in a motor vehicle to a place in Europe*, the insurance also covers the expenses for repatriation of the vehicle and any caravan if agreed with Tryg.

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Compassionate emergency visit

5.1 The insurance covers The insurance covers the expenses for 2 persons travelling to the Insured due to: • The Insured's acute* and serious illness*. • The Insured's serious injury*. • Death of the Insured.

5.2 The insurance does not cover The insurance does not cover compassionate emergency visit where a co-insured* above the age of 18 makes use of the cover in section 6, Escort.

5.3 Compensation 5.3.1 Compensation is conditional upon: • The trip being made according to agreement with Tryg and upon non-existence of prior decision for repatriating the Insured. • The summoned persons travelling from Denmark.

5.3.2 The insurance covers: • Necessary expenses for transportation*, including local transportation. • Necessary expenses for hotel stay and meals* for a period of maximum 21 days and nights. • Travel insurance for the persons summoned.

6 Escort 6.1 The insurance covers The insurance covers so the co-insured* can escort the Insured in case of acute illness* or injury where this results in interruption or delay of the planned itinerary.

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The insurance covers so the co-insured* can escort in connection with the repatriation of the Insured if the Insured dies.

6.2 The insurance does not cover The insurance does not cover: • Escort after return, unless this is part of the continued escort.

• Escort in case of use of the cover in section 5, Compassionate emergency visit. However, a coinsured* below the age of 18 can escort the Insured even if use is made of the cover of compassionate emergency visit.

6.3 Compensation 6.3.1 Compensation is conditional upon: • A medical certificate substantiating the Insured's illness or injury or a death certificate issued by the locally authorised doctor in charge of treatment being produced. • The escort taking place in accordance with agreement with Tryg. 6.3.2 As regards the co-insured*, the insurance covers: • Necessary additional expenses for hotel stay and meals*.

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• Necessary additional expenses for transportation* including local transportation in connection with the escort. • Necessary additional expenses for transportation* in order to catch up with the planned itinerary. • Necessary additional expenses for transportation* in relation to the return journey* no later than 7 days prior to the planned expiry of the travelling period. • Extension of the insurance if the escort goes beyond the period of cover for the trip, cf. section 1.5. • Necessary additional expenses for the collection of the car from a place in Denmark and delivery at the owner's address, insofar as the co-insured* has to leave the car as a consequence of the escort.

Replacement holiday

7.1 The insurance covers 7.1.1 The insurance covers expenses for a replacement holiday in connection with trips of up to 60 days duration, if: • The Insured suffers an acute illness*/ is injured and consequently is hospitalised for more than half of the travelling period*. • The Insured due to an acute illness* or injury is prescribed repatriation by a doctor and travels home during the first half of the travelling period* and does not travel back*. • The Insured travels home during the first half of the travelling period*, cf. Repatriation, s. 4, and does not travel back*.

7.1.2 The insurance provides for a replacement holiday to the co-insured* if: • The hospitalisation of the Insured lasts for more than half of the travelling period*, and the co-insured* stays with the Insured during the hospitalisation. • The co-insured* travels home together with the Insured during the first half of the travelling period* and does not travel back*.

7.2 The insurance does not cover The cover is cancelled for the entire travelling period* if the trip lasts for more than 60 days, irrespective of whether additional insurance coverage has been taken out in connection with the Annual Travel Insurance.

7.3 Compensation 7.3.1 Compensation is conditional upon: • The Insured procuring a medical certificate from the locally authorised doctor in charge of treatment. The certificate must include diagnosis and specify the duration of the hospitalisation, and examination results, treatment and medication. • The Insured procuring documentation for the repatriation or compassionate emergency repatriation if prior approval of the compassionate emergency repatriation has not been obtained from Tryg's medical consultant. 12

7.3.2 Compensation will be based on the expenses which have been incurred for the trip and which cannot be refunded. Travel planned and arranged via tour operator* The insurance covers expenses for accommodation* and transportation which have been paid to the tour operator*.

Travel planned and arranged individually The insurance covers expenses for accommodation* and transportation. Driving in own car or motor caravan Mileage allowance corresponding to the one paid by the state for commercial driving of more than 20,000 km per year is provided. The number of kilometres is calculated as kilometres driven using the shortest distance from the Insured's home/residence* to the destination and back. If the people in the car are not covered by the same policy, the expenses will be distributed proportionally. Rented car or motor caravan The insurance covers prepaid rent and driving with a mileage allowance which corresponds to the one paid by the state for commercial driving of more than 20,000 kilometres per year.

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The number of kilometres is calculated as kilometres driven using the shortest distance from the rental agency to the destination and to the place where the car or motor caravan is to be returned. If the people in the car are not covered by the same policy, the expenses will be distributed proportionally. 7.3.3 Excursions, arrangements and the like Expenses for excursions, arrangements, e.g. concert tickets or planned activities, e.g. for rented equipment, instruction or ski lift pass, which cannot take place as a result of an insurance event and which cannot be refunded, will be covered by up to DKK 1,000 per person insured. 7.3.4 Replacement holiday will be provided once per person insured per travelling period*.

Ruined travel days

8.1 The insurance covers • The Insured travels home, cf. Compassionate emergency repatriation, s. 4, and does not travel back*.

8.1.1 Where the Insured is not entitled to a replacement holiday in accordance with s. 7 Replacement holiday of the terms and conditions, the insurance will provide compensation for ruined travel days in connection with trips of up to 60 days duration, if: • The Insured becomes acutely ill*/ injured and is hospitalised. • The Insured is ordered rest by a doctor in and around the vacation home* due to an acute illness*or injury. • The Insured due to acute illness* or injury is ordered repatriation by a doctor and he/she does not travel back*.

8.1.2 The insurance provides compensation for ruined travel days for 1 co-insured if: • The co-insured* stays with the Insured during the period of illness. • The co-insured* travels home together with the Insured and does not travel back*.

8.2 The insurance does not cover The cover is cancelled for the entire travelling period* if the trip lasts for more than 60 days, irrespective of whether additional insurance coverage has been taken out in connection with the Annual Travel Insurance.

The insurance does not cover bone fractures, ligament injury, spraining, sprain or similar injury to joints and muscles.

8.3 Compensation 8.3.1 Compensation is conditional upon: • The Insured procuring a medical certificate from the locally authorised doctor in charge of treatment. The medical certificate must include diagnosis and state the period of hospitalisation or rest, any examination results, treatment and medication. • Natural consistency existing between the diagnosis and recommendation for treatment. • The Insured procuring documentation for the repatriation or compassionate emergency repatriation if prior approval of the compassionate emergency repatriation has not been obtained from Tryg's medical consultant.

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Where the medical statement from the locally authorised doctor in charge of treatment does not clearly specify that hospitalisation or rest has been ordered, Tryg's medical consultant will based on the information currently available assess whether the insurance covers. In case of any doubt as to what period of time hospitalisation or rest can be considered, this will also be determined by Tryg's medical consultant. 8.3.2 The insurance covers an amount per ruined travel day to the Insured and 1 co-insured*.

8.3.3 The compensation is calculated based on the price which the Insured and the co-insured* each has paid for the trip, and which is not refundable, see subsections 7.3.2 and 7.3.3, Replacement holiday. The day of departure and return are considered two whole days and nights irrespective of the time of departure and return.

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8.3.4 The number of ruined travel days is calculated: • From 00 o'clock the day after the Insured's first visit to the doctor and until and including the date of discharge or termination of the rest ordered. • From 00 o'clock after the Insured has travelled home. • Compensation will not be provided for the day of the home journey and never in excess of the planned travelling period*.

Insurance of vacation home

9.1 The insurance covers The insurance covers extra expenses for another vacation home*, if: • The vacation home* is or becomes uninhabitable during the stay due to burglary, water damage, fire, explosion, flood, earthquake or other natural disaster.

• The motor caravan, caravan or pleasure craft cannot be used as a result of comprehensive damage* which occurs during the period of cover of the trip, cf. subs. 1.5.

9.2 Compensation The insurance covers expenses documented for up to 60 days for: • Other vacation home* by maximum DKK 614 (2009) per day for all the persons insured in the aggregate, however maximum DKK 3,683 (2009) per week.

• Meals* by maximum of DKK 307 (2009) per insured person per day, however maximum DKK 1,841 (2009) per week.

10 Delayed and missed departure 10.1 The insurance covers The insurance cover if the Insured is not able to carry through the trip as planned, because, through no fault of his/her own and unforeseeably, the Insured misses:

• A public means of transport • A means of transport arranged by a tour operator*.

10.2 The insurance does not cover The insurance does not cover if necessary time has not been allotted for the change of means of transport.

In connection with transport by plane, the official minimum transfer time specified by the airline companies in their time tables is considered necessary time.

10.3 Compensation The insurance covers necessary additional expenses for transportation*, hotel stay and meals* in order to catch up with the planned itinerary.

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11 Search and rescue 11.1 The insurance covers The insurance covers: • Search of the Insured within a radius of 50 kilometres from the place where the Insured last was seen.

• Rescue of the Insured when the whereabouts of the Insured has been established.

11.2 The insurance does not cover The insurance does not cover: • Payment for search and rescue to authorities and organisations which normally work voluntarily and/or unpaid in connection with these tasks. • Search in connection with kidnapping or hijacking. • Search and rescue north of the polar circle or on the South Pole.

• Search initiated by relatives because the Insured has not told the relatives where he/she is staying, or because the family or others want to get in contact with the Insured.

11.3 Compensation 11.3.1 Compensation is conditional upon: • The Insured having been missing for more than 24 hours. • The event having been reported to the local police, and upon the search and rescue having been commenced on the demand of a local authority or the Royal Danish Ministry of Foreign Affairs. • Tryg Alarm in advance approving the persons who are responsible for the search and rescue as well as the extent thereof.

11.3.2 The insurance covers search and rescue for maximum 14 days up to a maximum of DKK 122,744 (2009) per insured person, however in total maximum DKK 368,233 (2009) each and every event for the insured persons in total. 11.3.3 The expenses covered by the insurance are subject to an excess of 10%, however minimum DKK 2,500.

12 Evacuation and involuntary stay 12.1 The insurance covers The insurance covers expenses for evacuation or for the Insured's involuntary stay: • In case of war, war-like situations, natural disasters or epidemics or imminent risk thereof.

• In case situations occur which must be considered terrorism* or in case there is an imminent risk of terrorism*.

12.2 The insurance does not cover The insurance does not cover: • At a theatre of war*. However, the insurance covers if the Insured is at the theatre of war* when the acts of war start, but only if the conditions of subs. 12.3.1 are complied with.

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• Entry into an area which the Royal Danish Ministry of Foreign Affairs has advised people not to enter or has recommended evacuation of. • Expenses covered by the tour operator, public authorities or the like.

12.3 Compensation Evacuation 12.3.1 The insurance covers the necessary additional expenses for transportation* to Denmark where the Royal Danish Ministry of Foreign Affairs, the Danish embassy or similar institution has ascertained and documented the occurrence in accordance with the following provisions: • When the Royal Danish Ministry of Foreign Affairs recommends evacuation, the Insured shall follow the instructions given by it so the Insured can be evacuated at the first opportunity. • When the Royal Danish Ministry of Foreign Affairs does not initiate evacuation, evacuation can take place in accordance with agreement with Tryg. Agreement on home journey can be made when the situation has occurred in the area where the Insured is staying and travelling and where it is assessed that staying or travelling in the area involves a significantly increased risk or insecurity. Payment of compensation is conditional upon the Insured not earlier having neglected to comply with the recommendation of the Royal Danish Ministry of Foreign Affairs to be evacuated. Involuntary stay 12.3.2 If, immediately after it has been agreed that evacuation from the area must take place, it appears that evacuation from the country is not possible because the public authorities at the place have sealed the borders so that leaving and entering the country are made impossible, the insurance covers transportation* to the nearest destination considered a safe place to stay by the public authorities at the place and the Royal Danish Ministry of Foreign Affairs. Transportation* to Denmark will then take place as soon as possible after it has become possible to leave the country again.

12.3.3 Insureds who are staying in a country which has become the subject of a situation as stated in subs. 12.1, but who are not directly affected by the situation, will be covered by the insurance if it is not possible for them to leave the country as planned in accordance with the itinerary because the local authorities have sealed the borders and thereby rendered it impossible to leave and/or enter the country. The insurance covers additional expenses as stated in subs. 12.3.4 from the time when the Insured originally was supposed to have travelled to his/her home in accordance with the original itinerary. Transportation* to Denmark will take place as soon as possible after it has become possible to leave the country again. 12.3.4 During the involuntary stay, the insurance covers documented and charged additional expenses for up to 3 months for: • Meals by up to a maximum of DKK 982 (2009) per insured person per day or day commenced. • Accommodation* and transportation* by up to DKK 48,195 (2009) per insured person. Evacuation at the Insured's own account 12.3.5 Where the insurance does not cover expenses for evacuation or involuntary stay because it is assessed that staying at the place does involve any increased risk for the Insured, Tryg can offer the Insured assistance at the Insured's own account to help the Insured leave the area because the Insured feels unsafe staying there. The assistance offered to the Insured involves alteration or purchase of flight tickets to an earlier flight than originally planned or help to find a place away from the area, from where the holiday can continue. Tryg only offers administrative assistance for altering or booking flight tickets or vacation home*. The expenses connected with this shall be paid by the Insured.

13 Crisis counselling 13.1 The insurance covers 13.1.1 The insurance covers crisis counselling when an event covered by the insurance results in an emotional crisis as a consequence of: • Acute illness*, death, • Robbery*, assault, accident, fire, explosion or burglary. • Search and rescue operations.

13.1.2 Furthermore, the insurance covers crisis counselling in case of war, war-like situations, acts of terrorism*, natural disasters or epidemics.

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13.2 The insurance does not cover The insurance does not cover crisis counselling if: • The Insured is at a theatre of war*. However, the insurance covers if the Insured is at the theatre of war* when the acts of war start, but only if the conditions under Evacuation and involuntary stay, subs. 12.3.1 are complied with.

• The Insured enters an area which the Royal Danish Ministry of Foreign Affairs has advised people not to enter or in advance has recommended evacuation from.

13.3 Compensation The insurance covers the expenses necessary for: • Psychological crisis counselling to the Insured and coinsured* on the spot. • The Insured's own share of treatment by a psychologist prescribed by a doctor after the return by up to DKK 12,275 (2009), provided that the treatment is commenced no later than 4 weeks after return, and provided that the treatment is carried out according to agreement with Tryg's medical consultant, and aid is granted by the Danish National Health Service.

spouse/cohabitant*, children, parents or brothers and sisters, whether they are in Denmark or travelling with the Insured. • Transportation* and necessary expenses for accommodation and meals* for up to five days for two persons travelling to see the Insured if Tryg's medical consultant estimates that the Insured needs to see the spouse/cohabitant*, children, parents or brothers and sisters, if the cover Compassionate emergency visit, section 5, is not employed.

• Crisis counselling by telephone to the Insured's

14 Permanent injury 14.1 The insurance covers list from the Danish National Board of Industrial Injuries. The permanent injury rating list in force at the time of the decision always applies in connection with fixing the compensation. The degree of permanent injury is fixed without regard to the Insured's occupation and social situation.

14.1.1 The insurance covers consequences of accidents* and entitles to compensation in case of permanent injury of 5% or more. 14.1.2 The degree of permanent injury is fixed when the final consequences of the accident* can be determined.

Where the injury is not stated in the permanent injury rating list from the Danish National Board of Industrial Injuries, the degree of permanent injury is fixed on the basis of the medical nature and extent of the injury and without regard for the Insured's occupation and social situation.

14.1.3 The degree of permanent injury cannot exceed 100% per accident* per person. The degree of permanent injury is fixed pursuant to the permanent injury rating

14.2 The insurance does not cover The insurance does not cover: • In Denmark • Lacking causal relation. Cover is conditional upon existence of a causal relation between the accident* and the injury. When the aforesaid is assessed, emphasis will among other things be on determining whether the event can cause bodily injury or not. This means whether the event in itself actually can cause/explain the injury. • Discomforts corresponding to pre-existing permanent injury or disorder, including degenerative change irrespective of whether it has not previously showed symptoms. Furthermore, this circumstance cannot result in the degree of permanent injury being fixed higher than it would have been if such permanent injury or disorder did not exist. • Illness/disease. • Consequences of accidents* where the main cause is pre-existing diseases or predisposition to a disease (apart from indisposition or faint). • Worsening of consequences of an accident* which is due to a pre-existing or unforeseen disease.

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• Bodily injury resulting from attrition. • Bodily injury which is not sudden. • Permanent injuries resulting from overtaxing of other parts of the body than those injured in connection with the accident*. • Injuries resulting from infection with diseases, virus, bacteria, other micro-organisms or the like. • Poisoning from food, drinks, stimulants and medicine. • Permanent injuries in the form of mental consequences resulting from incidents where the Insured himself/ herself has not been exposed to the hazard or bodily injury. • Consequences resulting from dental, medical and other treatments which have not been necessitated by an accident* covered by the insurance. • Injuries in connection with childbirth. • Expenses for examination, visits, medical treatment and hospitalisation. • Expenses for medicine, bandage, mouthguard, auxiliary equipment and the like. • Accidents* affecting the Insured during transportation in an aircraft not marked with nationality.

14.3 Compensation 14.3.1 The sum insured for permanent injury is DKK 392,782 (2009) for each person insured.

14.3.5 As regards children below the age of 18, compensation will be paid to the parents*, unless otherwise agreed with Tryg. If the aforesaid persons are dead, compensation will be paid to the insured child and placed in accordance with the rules for placement of minor's funds.

14.3.2 The scope of the injury determines the size of the compensation. The compensation will be a percentage of the sum insured corresponding to the fixed degree of permanent injury. The compensation is paid as a lump sum payment.

Where the Insured has reached the age of 18 at the time of payment, the compensation will be paid to the Insured.

14.3.3 Payment of compensation is made on the basis of the size of the sum insured at the time of the accident.

14.3.6 For the use of assessment of whether a claim is covered by the insurance and assessment of the size of the compensation, Tryg can request a medical examination in Denmark. Tryg covers the expenses for medical examination but not the transportation or expenses for accommodation etc. in connection with the medical examination.

14.3.4 The compensation is paid to the Insured, unless otherwise agreed, see however subs. 14.3.5.

14.4 Reopening 14.4.1 When the handling of a claim has been terminated, such claim can be reopened at a later point in time on the Insured's request. 14.4.2 Reopening is conditional upon medical documentation of worsening of the consequences after the accident*.

Expenses for this medical documentation shall be paid by the Insured. 14.4.3 Where Tryg decides to reopen the claim, the expenses for medical documentation shall be paid Tryg.

15 Death 15.1 The insurance covers The insurance entitles to compensation in case of death which is a direct consequence of an accident* when

the death happens no later than one year after the accident*.

15.2 The insurance does not cover The insurance does not cover death occuring in Denmark.

• Infection with diseases, virus, bacteria, other microorganisms or the like. • Poisoning from food, drinks, stimulants and medicine. • Consequences resulting from dental, medical and other treatments which have not been necessitated by an accident* covered by the insurance. • Childbirth. • Overtaxing of the body. • Accident* affecting the Insured during transportation in an aircraft not marked with nationality.

The insurance does not cover death due to: • Natural causes or where the cause of death is unknown. • Consequence of accident* where the main cause is pre-existing diseases or predisposition to a disease (apart from indisposition or faint). • Worsening of consequences of an accident* which is due to a pre-existing or unforeseen disease.

15.3 Compensation 15.3.1 The sum insured for death is DKK 196,391 (2009). 15.3.2 Where the Insured is below the age of 18, the amount payable is DKK 20,000 for funeral benefit. 15.3.3 Compensation will be paid to the Insured's nearest relatives in compliance with the rules and regulations of the Danish Insurance Contracts Act, unless otherwise agreed with Tryg in writing, or unless otherwise specified in an endorsement to the policy. Nearest relatives mean 18

spouse, or if such is not left, then the cohabitant. The cohabitant must comply with the conditions of (s.) 105a, subs. 2 of the Danish Insurance Contracts Act. If the Insured does not leave a spouse or cohabitant, the nearest relatives will be the Insured’s children. If the Insured does not leave any children, the nearest relatives will be the Insured’s other heirs. 15.3.4 Where compensation for permanent injury has been paid in connection with the same accident*, this amount will be deducted from the sum insured in case of death.

16 Dental injury 16.1 The insurance covers The insurance covers dental injury resulting from an accident*.

Furthermore, the insurance covers damage to dentures when these have been damaged while placed in the mouth.



16.2 The insurance does not cover The insurance does not cover: • In Denmark • Expenses which can be paid by other means, e.g. by the Danish National Health Service or a Workmen's Compensation Insurance. • Dental injury resulting from mastication. • Expenses for repair or ordinary care of teeth which have already been repaired under the insurance.

• Expenses resulting from an accident* for medicine, bandage, mouthguard, braces, auxiliary equipment and the like. • Consequences resulting from dental, medical and other treatments which have not been necessitated by an accident* covered by the insurance. • Expenses for dental treatment commenced more than five years after the accident*.

16.3 Compensation 16.3.1 Compensation is conditional upon: • Documentation existing that dental treatment has been received at the holiday resort. • The treatment being approved by Tryg prior to its commencement. However, the insurance covers emergency dental treatments* without prior approval.

16.3.3 Where the accident* occurs before the Insured has reached the age of 18, the insurance covers expenses for treatment carried out before the Insured has reached the age of 25.

16.3.2 The insurance covers reasonable and necessary expenses for the Insured's dental treatment after an accident*.

16.4 Reduction of the compensation 16.4.1 The compensation may be reduced or cancelled if the condition of the tooth/teeth and all types of dentures had been impaired before the accident*, e.g. as a result of disease, reconstruction, root treatment, wear, break down of ligaments, periodontitis or other disease of the teeth or surrounding bones.

17 Assault 17.1 The insurance covers The insurance covers if a third party deliberately causes bodily injury to the Insured.

17.2 The insurance does not cover The insurance does not cover injury sustained by the Insured due to a co-insured*.

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16.4.2 Where teeth next to the damaged tooth are missing or weakened, compensation cannot exceed the expenses of necessary treatment of a healthy tooth.

17.3 Compensation 17.3.1 The compensation for assault corresponds to the amount which a responsible tortfeasor should have paid in connection with similar injury for up to a maximum of DKK 613,722 (2009) for each insured person pursuant to Danish case law and the Danish Act on Liability in Damages.

17.3.2 Compensation is conditional upon the assault being reported to the nearest police authority.

18 Delayed luggage 18.1 The insurance covers The insurance covers if registered luggage* is delayed for more than 5 hours relative to the Insured's arrival at a destination during the outward trip.

18.2 The insurance does not cover The insurance does not cover where the luggage* has been delivered to another means of transport than the means of transport by which the Insured travelled.

18.3 Compensation limited to DKK 982 (2009) each and every insurance event, irrespective of the number of the insured persons sharing the contents of the luggage*.

18.3.1 Compensation is conditional upon the Insured having received a luggage certificate for the registered luggage*.

18.3.4 Compensation for delayed equipment, e.g. a folding pram, ski or golf equipment or the like, is limited to the expenses of renting similar equipment during the period of time when the Insured's own equipment is delayed.

18.3.2 If luggage is delayed, the insurance provides compensation of DKK 982 (2009) per day commenced per insured person, however the total maximum per insured person each and every insurance event is DKK 3,927 (2009).

However the total expenses can not exeed the sum mentioned in 18.3.2.

18.3.3 Where the luggage* delayed only contains toiletries or the like, e.g. a beauty box, the total compensation is

19 Cover of excess 19.1 The insurance covers In connection with damage to luggage, the insurance covers the excess deducted from the compensation

which the Insured receives from his/her Household Contents Insurance.

19.2 Compensation The insurance covers up to DKK 3,927 (2009) each and every insurance event.

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20 Liability for damage to rented vacation home 20.1 The insurance covers The insurance covers if the Insured as private individual incurs liability to pay damages for damage to: • Furniture in rented vacation home* when the damaged items are in the Insured's custody.

• Building parts in a rented hotel room, flat, holiday house or villa when the damaged items are in the Insured's custody. • Rented tent when it is in the Insured's custody.

20.2 The insurance does not cover The insurance does not cover: • Damage occurring during paid or unpaid work. • Damage resulting from the Insured either by agreement or in any other way having assumed a

larger liability than what is provided for in the general law of damages in tort. • Damage caused by animals.

20.3 Indemnity 20.3.1 The insurance covers up to a maximum of DKK 2m each and every insurance event. The sum insured constitutes Tryg's maximum liability after one individual insurance event, even if the liability can be assigned to several persons which are covered by one or more policies in Tryg. 20.3.2 Each and every insurance event is subject to payment of an deductible of DKK 1,500.

20.3.4 Tryg is not bound by the Insured's accepting the liability to pay damages or approving the claim without the approval of Tryg. 20.3.5 The claim will be assessed pursuant to applicable law of the country in which the damage occurs.

20.3.3 In addition to the sum insured, interests and costs in connection with the decision on the liability issue are covered, provided that these have been approved by Tryg.

21 Guarantee 21.1 The insurance covers In connection with private disputes*, the insurance provides guarantee for the following: • Payment of the Insured's legal expenses.

• Claims from local authorities in connection with claims made against the Insured. • Payment for release of the Insured or the Insured's possessions.

21.2 The insurance does not cover The insurance does not provide guarantee for the following: • Disputes* related to the Insured's business or working conditions.

• Disputes* related to contractual relations. • Criminal cases excluding road cases.

21.3 Compensation 21.3.1 The insurance provides guarantee up to a maximum of DKK 100,000 for each and every dispute*.

21.3.3 Where the guarantee is sequestrated due to the Insured's non-payment of a fine, penalty or damages, the Insured's non-appearance to a court hearing, or if the Insured in any other way is responsible for the sequestration, the guarantee is to be considered an interest-free loan which is to be repaid to Tryg immediately at the time of sequestration of the guarantee.

21.3.2 The guarantee is to be considered an interest-free loan which is to be repaid to Tryg when the guarantee is released.

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Annual optional coverages 22 Travel guarantee

Is covered by the insurance when stipulated in the policy.



Replacement holiday

22.1 The insurance covers 22.1.1 The insurance covers expenses in relation to replacement holiday in connection with trips of up to 60 days duration, if the Insured, in accordance with the doctor's order, cannot take part in the planned activities for more than half of the travelling period* due to acute bone fracture, ligament injury, spraining, sprain or similar injury to joints and muscles.

22.1.2 Where the Insured is entitled to a replacement holiday, a replacement holiday will also be given to the coinsured*.

22.2 The insurance does not cover The insurance does not cover insurance events which are covered under s. 7, Replacement holiday.

whether additonal insurance coverage has been taken out in connection with the Annual Travel Insurance.

The cover is cancelled for the entire travelling period* if the trip lasts for more than 60 days, irrespective of

22.3 Compensation 22.3.1 Compensation is conditional upon the Insured's providing a medical certificate issued by the locally authorised doctor in charge of treatment. The certificate must include diagnosis, treatment and state the period which the order/prescription applies to. Where the medical certificate from the locally authorised doctor in charge of treatment does not clearly specify that the planned activity is impossible for the Insured to take part in, Tryg's medical consultant will based on the information currently available assess whether the insurance covers. Where doubt arises as to which period of time the planned activity is rendered impossible, this will also be determined by Tryg's medical consultant. 22.3.2 Compensation will be based on the expenses which have been incurred for the trip and which cannot be refunded. Arrangements via tour operator* The insurance covers expenses for accommodation* and transportation* which have been paid to the tour operator*.

Rented car or motor caravan The insurance covers prepaid rent and driving with a mileage allowance which corresponds to the one paid by the state for commercial driving of more than 20,000 kilometres per year. The number of kilometres is calculated as kilometres driven using the shortest distance from the rental agency to the destination and to the place where the car or motor caravan is to be returned. If the people in the car are not covered by the same policy, the expenses will be distributed proportionally. 22.3.3 Excursions, arrangements and the like Expenses for excursions, arrangements, e.g. concert tickets or planned activities, e.g. for rented equipment, instruction or ski lift pass, which cannot take place as a result of an insurance event and which cannot be refunded, will be covered by up to DKK 1,000 per person insured. 22.3.4 Replacement holiday will be provided once per person insured per travelling period*. 22.3.5 The period of injury commences at the time when the Insured had his/her first doctor's visit. Where documentation does not exist for the exact time, the period of injury is considered to have commenced at 00 o'cloctk the day after the Insured had his/her first doctor's visit. The period of injury must be for the same person.

Travel planned and arranged individually The insurance covers expenses for accommodation* and transportation*. Driving in own car or motor caravan Mileage allowance corresponding to the one paid by the state for commercial driving of more than 20,000 kilometres per year is provided for the shortest distance from the Insured's home/residence to the destination and back. If the people in the car are not covered by the same policy, the expenses will be distributed proportionally. 22



Ruined travel days

22.4 The insurance covers 22.4.1 Where the Insured is not entitled to a replacement holiday according to subs. 22.1 of the insurance terms and conditions, the insurance provides compensation for ruined travel days in connection with trips of up to 60 days duration, provided the Insured cannot take part in the planned activity due to acute bone fracture, ligament injury, spraining, sprain or similar injury to joints and muscles.

22.4.2 Where the Insured is entitled to compensation for ruined travel days, compensation for ruined travel days for 1 co-insured* will also be provided.

22.5 The insurance does not cover The insurance does not cover insurance events which are covered under s. 8, Ruined travel days.

The cover is cancelled for the entire travelling period* if the trip lasts for more than 60 days.

22.6 Compensation 22.6.1 Compensation is conditional upon the Insured's providing a medical certificate issued by the locally authorised doctor in charge of treatment. The certificate must include diagnosis, treatment and state the period which the order/prescription applies to.

22.6.3 The compensation is calculated based on the price which the Insured and the co-insured* each has paid for the trip, and which is not refundable, see subsections 22.3.2 and 22.3.3, Replacement holiday.

Where the medical certificate from the locally authorised doctor in charge of treatment does not clearly specify that the planned activity is impossible for the Insured to take part in, Tryg's medical consultant will based on the information currently available assess whether the insurance covers. Where doubt arises as to which period of time the planned activity is rendered impossible, this will also be determined by Tryg's medical consultant.

The day of departure and return are considered two whole days and nights irrespective of the time of departure and return. 22.6.4 The number of ruined travel days is calculated: • From 00 o'clock the day after the Insured's first visit from a doctor and until and including the date when the period of the doctor's order expires. • Compensation will not be provided for the day of the home journey and never in excess of the travelling period*.

22.6.2 The insurance covers an amount per ruined travel day to the Insured and 1 co-insured*.

23 Cancellation Insurance

Is covered where it appears from the policy.

23.1 The insurance covers 23.1.1 The insurance provides cover where the Insured is unable to travel because he/she suffers acute illness* or sustains injury, and where: • the Insured is hospitalised • Tryg’s medical consultant assesses that it is unsafe to travel because it may worsen the Insured’s acute illness* or injury considerably, or otherwise harm his/ her health seriously • Tryg’s medical consultant assesses that the Insured’s general condition has been worsened acutely so that it is unreasonable to travel • the Insured cannot participate in the planned activities of the trip when it can be substaintiated that these activities constitute the actual purpose of the trip

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• the Insured, for medical reasons is unable to have a vaccination which is introduced suddenly an unpredictably as a requirement for entry into the country the Insured is travelling to. 23.1.2 Furthermore, the insurance covers if: • the Insured dies • the Insured’s spouse/cohabitant*, children, childrenin-law, grandchrildren, parents, parents-in-law, grandparents, sisters and brothers, brothers-in-law and sisters-in-law: - die - sustain acute, serious illness*/serious injury and are hospitalised in Denmark

23.1.3 The Insured is also covered in case the Insured's travelling companion has to cancel the trip as a result of the same cirsumstances as specified in subs. 23.1.1 and 23.1.2.

Pregnancy That the insured is unable to travel due to pregnancy according to a doctors statement. It is a conditon that the insured was not pregnant at the time of booking the trip. Divorce Divorce, separation or terminatin of non-marital relationship. In case of termination of non-marital relationship it is a condition that the insured and the cohabitant are registered at different addresses with the municipal registration office. Also it is a condition that the insured and th cohabitant have been living at the same address, registered with the municipal registration office, for minimum of 12 months prior the the termination of the relationship.

It is not necessary for the travelling companion to have taken out a Cancellation Insurance with Tryg, but it must be substantiated that the Insured and the travelling companion were to travel together during the entire trip, and in addition, with the same departure and arrival date and time. 23.1.4 Furthermore, the insurance covers where the Insured cannot travel as a result of:

Failure to pass examination This means that the Insured does not pass his/her examination at an institution of a level above primary and lower secondary school and therefore has to resit the examination. It is a condition that the Insured is a registered student, has purchased the trip before the time he/she failed to pass the examination, and that the Insured has to resit his/her examination during the travelling period* or within 2 weeks after the planned date of return.

War, terrorism, natural catastrophe or epidemic Arising or where the is an imminent risk of the following incidents in the country/area outside Denmark which the Insured has booked and paid a trip to: • War or war-like situations • Terrorism* • Natural catastrophes • Epidemics The insurance provides cover where the Ministry of Foreign Affairs of Denmark, a Danish Embassy or similar institution has ascertained and documented incidents on the following conditions: • Where the Ministry of Foreign Affairs of Denmark advises people not to enter the country/area or already has recommended evacuation thereof. • Where the Ministry of Foreign Affairs of Denmark does not directly advise against entry or has made initiatives for evacuation, the trip can be cancelled subject to agreement with Tryg.

Fire, explosion etc. Fire, explosion, flood or burglary in the Insured’s private home or enterprise immediately before departure where this has been reported to the police or emergency service. Fraudulent acts Fraudulent acts in the Insured’s enterprise committed by an employee immediately before departure where a police report has been made.

Agreement on cancellation of the trip can be made when the situation has occurred in the area in which the Insured is going to stay and travel, and where it is assessed that staying or travelling in the area involves a significantly incresased risk or may be unsafe for the Insured. Compensation is conditional upon the decision on cancellation being made immediately prior to departure. The purpose of the trip does no longer exist Where a planned public activity is cancelled, e.g.a concert or theatre play, and where it can be cubstantiated that the activity cancelled was the purpose of the trip. A planned visit to friends or family abroad is cancelled due to the death of one of the persons whom the insured had planned to visit, or due to acute seeious illness or serious injury sustained by any of those persons.

Strike Strike in defiance of agreements made in the Insured’s enterprise immediately before departure. Involuntary dismissal This means that the Insured is dismissed involuntarily after the trip has been booked and the deposit paid, and: • consequently, the Insured is unable to travel as planned • the Insured is to commence a new job in the planned period of travel • the planned trip is scheduled within the first 3 months after employment with a new employer, and the Insured cannot go on holiday or does not want to ask his/her new employer about permission to go on holiday. 23.1.5 In case of a claim which is covered under the insurance, the co-insured* can also cancel the trip.

23.2 The insurance does not cover The insurance does not cover: • Where the insurance event has occurred before the insurance has taken effect, cf. subs. 1.5. • Where the Insured’s illness or injury has not been in a stable, good phase* for the past 2 months before the insurance has taken effect, cf. subs. 1.5.

• Where the Insured has refused medical treatment of the illness/injury, or where medical treatment has been given up. • Child delivery or complications of pregnancy which has occurred after 35th week of pregnancy. • Expenses covered by the tour operator, public authorities or the like.

23.3 Compensation 23.3.1 The insurance covers the amount which a tour operator* can request to be paid, or the amount which has been

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paid to a tour operator* and which cannot be refunded, however, maximum DKK 68,562 (2009) for the insured parties in total.

Luggage, personal liability and legal expenses 24 Luggage Is covered by the insurance after a total travelling period of 3 months insofar as additional insurance coverage has been taken out.

24.1 The insurance covers The insurance covers: • Fire, lightning, explosion, water damage*, burglary*, simple larceny*, ran* or robbery* of the luggage*. • Loss of or damage to registered luggage*.

• Loss of and damage to luggage* as a result of an occurrence covered under s. 12 Evacuation and involuntary stay.

24.2 The insurance does not cover The insurance does not cover: • Motor vehicles, caravans, boats (including surf boards), bicycles and other means of transport as well as accessories to these. • Simple larceny* from unlocked motor vehicles, caravans, pleasure crafts or tents. • Forgotten, lost, mislaid or left items. • Damage due to insufficient packaging as well as general damage to suitcases and other pieces of luggage*.

• Damage due to poor packaging or outflow of liquids which the Insured has brought with him/her. • Damage which results from slow leakage of liquid from water, heating or drain pipes of the building. • Damage to luggage* delivered to another means of transport than the means of transport by which the Insured travelled.

24.3 Compensation 24.3.1 Compensation is conditional upon: • In connection with fire, lightning, explosion and water damage*, the Insured providing documentation for reporting to the police or rescue service. • In connection with burglary*, simple larceny*, ran* or robbery*, the Insured having reported the incident to the local police authority. • In connection with simple larceny* from locked motor vehicle, caravan, pleasure craft or tent, the existence of visible signs of forced entry. • The damage/loss being reported to the carrier immediately if the damage/loss has occurred while the luggage* has been in the carrier's custody. • The Insured documenting and rendering probable that he/she has had the stolen or damaged items in his/her possession. Furthermore, the Insured shall document or render probable the age and replacement cost of the items. Where the Insured is unable to document his/her claim or to render his/her claim probable, Tryg reserves the right to reject the claim for damages or to fix the compensation on the basis of an estimate. 24.3.2 The sum insured for the entire travelling period* is maximum DKK 15,000 per person insured. 24.3.3 Cash, traveller's cheques, tickets and securities are only covered in connection with fire, lightning, explosion, burglary*, ran* or robbery* and only up to a maximum of DKK 5,000 per insured person. 24.3.4 Gold, silver, jewels, precious metal and the like are only covered in connection with fire, lightning, explosion, burglary*, ran* or robbery*. 25

24.3.5 Theft from locked motor vehicle, caravan, pleasure craft or tent is covered with up to 50% of the sum insured. 24.3.6 One single item with equipment (e.g. a portable computer and mobile phone) is covered with up to 50% of the sum insured. 24.3.7 Film, tape recordings, manuscripts, drawings, IT programs and the like are only covered with the price of the raw material, the cassette, floppy disk, CD or similar electronic storage media. 24.3.8 Tryg may choose to have the damaged items repaired or to pay an amount corresponding to the price of repair of the items. 24.3.9 Stolen or lost items which have been bought as new and which are less than 2 years old and otherwise undamaged, are covered at the reacquisition price of corresponding new items. In relation to items which are more than 2 years old and which have been purchased second-hand or which have already been damaged, the compensation will be fixed at the reacquisition price of corresponding new items with reasonable decrease in value due to age, use, decreased applicability or other circumstances. Deduction for use will only be made where the utility value had decreased considerably prior to the damage.

25 Personal liability Is covered by the insurance after a total travelling period of 3 months insofar as additional insurance coverage has been taken out.

25.1 The insurance covers The insurance covers if the Insured as private individual causes bodily injury or property damage and thereby incurs liability to pay damages.

25.2 The insurance does not cover The insurance does not cover liability for: • Damage/injury occurring during paid or unpaid work. • Damage/injury resulting from the Insured either by agreement or in any other way having assumed a larger liability than what is provided for in the Danish general law of damages in tort. • Injury sustained by or loss of animals or damage to or loss of property which the Insured has borrowed, rented, is storing, using, transporting, processing, treating, has in his/her possession or for any other reason has in his/her custody.

• Damage to or loss of property belonging to the Insured. • Damage/injury caused when using af motor vehicle, caravan, aircraft or vessel measuring more than 5.5 metre long and with an engine power exceeding 5 HP. • Damage/injury caused by animals. • Injury due to the Insured infecting other people or in any other way passing on a disease to others.

25.3 Indemnity 25.3.1 Indemnity is conditional upon the Insured not accepting the liability to pay damages or approving the claim without the approval of Tryg. Furthermore, Tryg will decide on the processing of the claim.

25.3.3 In addition to the sum insured, interests and costs in connection with the decision on the liability issue are covered, provided that these have been approved by Tryg.

25.3.2 The insurance covers up to a maximum of DKK 10m in connection with bodily injury and DKK 2m in connection with property damage. These sums constitute Tryg's maximum liability after one individual insurance event, even if the liability can be assigned to several persons which are covered by one or more policies in Tryg.

25.3.4 The claim will be assessed pursuant to applicable law of the country in which the damage occurs.

26 Legal expenses Is covered by the insurance after a total travelling period of 3 months insofar as additional insurance coverage has been taken out.

26.1 The insurance covers The insurance covers legal expenses if the Insured has turned to a lawyer for legal assistance and where such lawyer has undertaken the case. The insurance covers in accordance with Tryg's Legal Expenses Insurance, however subject to the following deviations: • The insurance solely covers in connection with legal actions or arbitration cases stemming from private disputes* which arise during the trip and which directly relate to the Insured. • Where the Insured is to be part of a legal action abroad and where the examination cannot be carried

out in the country of residence, the insurance covers necessary expenses for transportation*, hotel stay and meals*. Cover is conditional upon the Insured being summoned for examination as party or witness, upon the Insured having an interest in appearing according to Tryg's judgment, and upon the expenses not being paid from other sources. A complete set of the insurance terms and conditions can be ordered from Tryg.

26.2 The insurance does not cover The exclusions stipulated in Tryg's Legal Expenses Insurance also apply to this cover.

However, the exclusion as regards travelling expenses mentioned in the aforesaid terms and conditions does not apply.

26.3 Indemnity The insurance covers up to a maximum of DKK 125,000. 26

The expenses covered by the insurance are subject to an excess of 10%, however minimum DKK 2,500.

27 Common terms and conditions 27.1 Payment of premium The first premium is payable when the insurance takes effect. Subsequent premiums are payable at the anniversary dates or dates of amendment stated in the policy. Duties, if any, e.g. stamp duty and government tax as well as any fees, default interest and other costs will be collected together with the premium.

Where the premium is not paid on the final date of payment, at the latest, Tryg will send a reminder informing that the insurance cover will terminate if the premium has not been paid 21 days, at the latest, after the reminder has been received.

The premium is collected by way of BetalingsService, giro or - where agreed - in other ways. The Policyholder shall pay all the expenses connected with the collection and payment of the premium. The demand note will be sent to the address of payment informed to Tryg. Where the address of payment is changed, Tryg must be notified thereof immediately.

Where a reminder is sent, including information on any statutory debt collection, Tryg is entitled to collect service charges, default interest and other expenses. Futhermore, Tryg is entitled to collect a fee for printing of documents and other services provided. In case of an increase in these costs, Tryg is entitled to increase interests and fees so that the correspond to the actual costs.

27.2 Indexation Indexation is made concurrently with the development in the wage index for the private sector published by Statistics Denmark. Where the publication of this index ceases, or where the basis of its calculation is changed, Tryg is entitled to use a similar incex published by Statistics Denmark. The sums insured, deductibles and other amounts are indexed, unless otherwise specified in the insurance termes and conditions or policy.

Indexation is made on 1 January. The premium is indexed once a year at the first due date of the calendar year. The basis of calculation is the index for the first quarter of 2008.

27.3 Duration and cancellation of the insurance This insurance has been taken out for a period of time of one year, and it will bee renewed consecutively for one year at a time, unless the insurance has been cancelled before that time.

In connection with a claim, both the Policyholder and Tryg can cancel the insurance giving 14 days’ notice. Such notice must be made no later than 1 month after payment of the compensation or rejection of the claim.

Both the Policyholder and Tryg can cancel the insurance giving one month’s notice from expiry of the period of insurance.

Where the Insured has taken out the optional coverages Travel Guarantee and Cancellation Insurance, these will lapse together with the Annual Travel Insurance. The optional coverages Travel Guarantee and Cancellation Insurance can be cancelled independently of the Annual Travel Insurance.

Against payment of a fee of DKK 57 (2009), the Policyholder can choose to cancel the insurance giving 30 days’ notica of termination to expiry of a calendar month. Where the insurance is cancelled within the first insurance year, an additional fee of DKK 229 (2009) will be charged.

27.4 Alteration of the insurance terms and conditions and the premium tariff At one month’s notice from a due date, Tryg can alter the terms and conditions and/or the premium for this insurance where Tryg’s premium tariff or insurance terms and conditions are altered for similar insurances.

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Alterations resulting from indexation or statutory provisions are not considered an alteration of the premium and can be made without giving notice.

27.5 Complaints Where you disagree with Tryg’s decision, please contact the department which has handled your insurance claim. If, following your contact with the department, you are still not satisfied with Tryg’s decision, you can contact the Quality Department of Tryg which is the department responsible for claims in Tryg. The address is: Tryg Post code J22 Klausdalsbrovej 601 DK-2750 Ballerup Phone: +45 44 20 42 91 E-mail: [email protected]

Where contact with the Quality Department does not lead to a saticafctory result, you may appeal to: Ankenævnet for Forsikring (The Danish Insurance Complaints Board) Anker Heegaards Gade 2 DK-1572 København V Phone +45 33 15 89 00, between 10.00 - 13.00. www.ankeforsikring.dk Complaints shall be sent to the Danish Insurance Complaints Board using a special form which can be acquired from Tryg’s Quality Department or from the Danish Insurance Complaints. A minor fee will be charged. Where disputes* over the insurance agreement are brought before the court, they will be settled by Danish courts and in accordance with the provisions of the Danish Administration of Justice Act.

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Definitions The definitions are part of the terms and conditions and apply regardless of the linguistic form of the term/ expression used.

Accident "Accident" means a sudden event which results in bodily injury.

Europe "Europe" means the countries which are comprised by the Danish Tourist Health Insurance Certificate. Greenland and the Faroe Island are also covered. If this area is changed, the geographical area covered by the Insurance will also be changed. The following countries are comprised by the geographical area covered under the Danish Tourist Health Insurance Certificate: Andorra, the Azores, Belgium, Bulgaria, Cyprus, Estonia, Finland, France, the Faroe Islands, Gibraltar, Greece, Greenland, Holland, Isle of Man, Ireland, Iceland, Italy, the Canary Islands, the Channel Island, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Monaco, Norway, Poland, Portugal, Rumania, San Marino, Schwitzerland, Slovakia, Slovenia, Spain, Great Britain, Sweden, the Czech Republic, Germany, Hungary, The Vatican, Austria.

Accommodation Expenses for "accommodation" mean expenses for rent of hotel room, flat, holiday house, villa, tent, caravan, motor caravan, caravan pitch, pleasure craft and the like. Where a meal is an integral part of the expense, this is also covered. Acutely ill/acute illness "Acutely ill/acute illness" means illness which suddenly arises during the period of cover of the trip. It is a condition that there has not been any symptoms of illness before the insurance took effect, cf. section 1.5. Burglary "Burglary" means theft from securely locked building or room. Tryg's liability to pay damages is conditional upon the existence of evidence of the burglary. Theft from car, train, aircraft, bus, boat, caravan or tent is not considered burglary.

Hotel stay and meals Expenses for "hotel stay and meals" mean documented expenses, however, maximum expenses for a middle class hotel and ordinary meals including beverages. Household "Household" means the Insured’s spouse/cohabitant, children, foster-children and persons who are married to or live together with children living at home in a permanent relationship as well as assistants to the household.

Cohabitee "Cohabitee" means a person who is registered under the same address as the Insured at the municipal registration office, and who lives together with the Insured as husband or wife. Comprehensive damage "Comprehensive damage" means damage to the body of a caravan or motor caravan or damage to the body of a pleasure craft. Mechanical damage is not considered comprehensive damage.

Such persons must be registered at the municipal registration office at the year-round address of the Policyholder. Cohabitation consisting of the Insured and maximum 2 persons is also concidered to be "household". Insured parties are also: • Shared cildren (of divorced parents not living together) and problematic children living occasionally with other families. • Children below the age of 21 not living at home. It is a condition that they live alone and do not have children living at home. • Exchange students living at the Insured’s. • Spouse/cohabitant living in a nursing home.

Dangerous sports "Dangerous sports" mean training or participation in any kind of motor race, cycle race or horse racing, boxing, karate and other types of martial arts, mountain climbing, bungee jumping, paragliding (parachute after a boat), hang-gliding, parachute jump, gliding, diving with diving or frogman equipment. Disputes "Disputes" mean a legal disagreement.

Luggage "Luggage" means property which the Insured brings along on the trip as hand luggage or registered luggage. Items which the Insured has brought along from home, has bought or has been given during the holiday are covered.

Emergency dental treatment "Emergency dental treatment" means treatment which has been necessary to carry through in order to instantly reduce the scope of the injury, e.g. acute pain relief or treatment. Special treatment, cap, root treatment or the like can only be carried out subject to prior special agreement with Tryg.

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Parents "Parents" mean birth parents or adoptive parents. The child must be registered at the municipal registration office at the year-round address of the parents.

Terrorism An act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf or in connection with any organisation(s) and/or government(s), committed for political, religious, ideological, or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Parties also covered "Parties also covered" means people covered under the insurance, and who have the same departure an arrival date and time as the Insured, and who travel together with the Insured during the entire trip. Professional sports "Professional sports" mean sports practised for payment. The athlete is considered professional when the person mainly lives off his/her sport or is contractually paid by a sports club and/or a sponsor.

In order for an act to be considered an act of terrorism it must be intended for influencing any government and/or for putting the public, or any section of the public, in fear. Theatre of war "Theatre of war" means an area of maximum 100 kilometres from the place or places where the fighting takes place.

Ran "Ran" means theft which takes place openly without the use of violence, and which at the time the crime is committed is noticed by a victim or other persons present. Tryg's liability is conditional upon an outcry immediately subsequent to the "ran".

Tour operator "Tour operator" means travel agency, carrier or landlord of hotel room, flat, holiday house, villa, tent, caravan, motor caravan, pleasure craft and the like.

Residence In relation to trips abroad "residence" means a place outside the insured's home, where the insured spends his/her first night after return to Denmark.

Transportation Expenses for "transportation" mean documented expenses, however, maximum expenses for scheduled flight, economy class.

Return journey/travel back "Return journey/travel back" means the journey back to the place where the Insured should have been according to the original itinerary.

Travel back "Travel back" means the journey back to the place where the insured should have been according to the orginal itinerary.

Robbery "Robbery" means theft which takes place by the use of violence or threat of immediate use of violence.

Travelling period The "travelling period" means the number of days of the planned trip according to the documentation. In addition, see subs. 1.5.3.

Serious illness/injury "Serious illness/injury" means that the illness or the injury can result in considerable permanent injury, or in the patient's condition becoming unstable or life-threatening.

Vacation home "Vacation home" means hotel room, flat, holiday house, villa, folk school, hostel, tent, pleasure craft, motor caravan and caravan.

Simple larceny "Simple larceny" means theft of items held in the open, in unlocked building or room as well as theft from car, train, aircraft, bus, boat, caravan or tent.

Water damage "Water damage" means damage resulting from flood, cloudburst and the like as well as sudden leakage of water, oil, refrigerant or the like from installations, aquaria or other containers of 20 litres or more.

Stable, good phase "Stable, good phase" means that the condition has been stationary without any kind of change, development or periodical worsening which: • has required contact to a doctor. • has resulted in changes in or plans of changes in treatment/medication. • has resulted in plans of further examinations, treatment, hospitalisation or the like.

Where the damage occurs in rented vacation home*, water damage is also understood to mean bursting due to frost in insufficiently heated room, fill-up and draining of oil tank or other containers, ascension of groundwater or sewage water, liquid from downpipes or roof gutters, construction and maintenance work.

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