Generali Estudios Student Travel Insurance — Full Policy Conditions (English)

Index

• Preliminary. Informative clause
• Name and Registered Office of the Insurer.
• Administrative Control Body of the Insurer
• Claims procedures and steps to follow in case of disputes
• Legislation applicable to the Insurance Contract
• Right of withdrawal for contracts concluded remotely
• 1. Introduction
  • Information in one click
  • Contracting methods
  • How to read the policy terms and conditions
  • Print
• 2. Your Policy
  • How to get the most out of your insurance?
  • Modification of the data contained in the Policy
• 3. How to contact us
• General Conditions
  • Important conditions regarding your policy
  • Entry into force and duration of the insurance
  • Start of insurance coverage
  • Insurance duration
  • Kilometric franchise
  • Territorial Scope
  • Guaranteed limits
  • Chronic or pre-existing diseases
  • Sports and activities
  • Precautions
  • Subrogation
  • Prescription
  • Communications and notifications between the Parties
  • Divergences
  • International sanctions
  • Clause regarding US travelers
  • Definitions
• To request compensation / payment of expenses
  • Our commitment:
  • To submit your application:
  • Information that you must always provide to us:
  • Information and conditions of your application
  • Badge
• Guarantees
  • 1. Medical assistance
  • 2. Travel and Flight Incidents
  • 3. Luggage and Documents
  • 4. Travel Assistance Services.
  • 5. Civil Liability
  • 6. Accident Insurance
• General exclusions
• Payment and cancellation of the Policy
  • 1. Policy Payment
  • 2. Non-payment of the Policy
  • 3. Cancellation rights
  • 4. Claims
• Coverage and limits
  • 1. Student
  • 2. COVID-19 Coverage

Preliminary. Informative clause

The purpose of this Information Clause is to comply with the provisions of Articles 96.1 of Law 20/2015, of July 14, on the regulation, supervision and solvency of insurance and reinsurance entities and 122 of Royal Decree 1060/2015, of November 20, which approves its implementing regulations, relating to the general duty of information to the Policyholder and the Insured by the Insurer.

Name and Registered Office of the Insurer.

• Name. GENERALI ESPAÑA, SA DE SEGUROS Y REASEGUROS
• Registered Office: Calle Orense n° 2, (28020) MADRID-SPAIN, NIF A-28007268. Registered in the Commercial Registry of Madrid on Sheet M-54.202.

Administrative Control Body of the Insurer

The Ministry of Economy and Competitiveness, through the Directorate General of Insurance and Pension Funds, is responsible for controlling insurance activity and protecting the freedom of policyholders to decide on insurance contracts and maintaining contractual balance in existing insurance contracts.

Claims procedures and steps to follow in case of disputes

The Insurer provides the policyholder, the insured, beneficiaries, injured third parties or successors of any of them with a Complaints and Claims Service, the Regulations of which can be consulted on the website www.generali.es . The policyholder, insured persons, beneficiaries, injured third parties, or their legal representatives may submit complaints and claims related to their legally recognized interests and rights by writing to the Complaints and Claims Service. The written complaint must include their personal information, signature, address, policy or claim number, and a description of the facts giving rise to the complaint or claim, and should be sent to the following address: Complaints and Claims Service Generali Spain, SA Insurance and Reinsurance Calle Orense, nº 2 – (28020) MADRID Or to the following email address: claims.es@generali.com

The Complaints and Claims Service, which operates autonomously and independently, will acknowledge receipt of the complaint and must resolve it, with justification, within a maximum period of two months in accordance with the provisions of Law 44/2002, of November 22, on Measures for the Reform of the Financial System and Order ECO/734/2004 of March 11, which regulates the Complaints and Claims departments and services and the customer ombudsman of financial entities.

The decisions of the Complaints and Claims Service will be binding on the Insurer. After a period of 2 months from the date of submission of the claim-

If the complaint has not been resolved by the Insurer's Complaints and Claims Service, or if the latter has rejected the request, interested parties may submit their complaint to the Claims Service of the Directorate General of Insurance and Pension Funds, whose address is Paseo de la Castellana, 44 28046- MADRID www.dgsfp.meh.es/reclamaciones/index.asp All of this is without prejudice to the right of the Policyholders, Insured Parties, Beneficiaries, Injured Third Parties or successors of any of them to resort at any time to the protection of the competent judges and courts.

Legislation applicable to the Insurance Contract

This Insurance Contract shall be governed by Law 50/1980, of October 8, on Insurance Contracts (which shall not be mandatory if, in accordance with Article 11 of Law 20/2015, of July 14, on the regulation, supervision and solvency of insurance entities, this contract is considered as a large-risk insurance), by the aforementioned Law 20/2015, by Royal Decree 1060/2015, of November 20, which approves the Regulation on the Regulation, Supervision and Solvency of insurance and reinsurance entities, by the regulations that develop, modify or supplement said regulations and by the provisions of the Contract Conditions, in all its annexes, supplements and appendices, and in the insurance application and in the risk assessment questionnaire signed by the Policyholder, which constitutes a fundamental document for the Insurer to have given its consent to contract and to set the policy conditions.

Right of withdrawal for contracts concluded remotely

In accordance with Article 10 of Law 22/2007, of June 11, on the distance marketing of financial services intended for consumers, the holder of a contract concluded at a distance shall have a period of fourteen calendar days from the day of the conclusion of the contract, to withdraw from it. This right of withdrawal will not apply to insurance contracts that fulfill an insurance obligation of the policyholder, nor in those cases where the insurance contract has already been executed. If the Policyholder has the right to withdraw from the distance contract and wishes to exercise this right, they must communicate their decision, within the legally established period, by sending an email to canalcliente-clientes.es@generali.com indicating your personal details as well as the policy number. The policyholder who has the right to withdraw from the contract will only be obliged to pay, as soon as possible, for the period of coverage of the contracted policy from its effective date until the time of withdrawal.

1. Introduction

The purpose of this Policy is to provide protection against the consequences of the covered risks included herein.

The events must be the result of a fortuitous event and must occur:

• during the insured trip,
• outside of the usual residence,
• within the covered territorial area, and
• within the contracted period.

We guarantee the risks included in the contracted modality with the limits indicated therein. The policy guarantees will cease to have effect once the trip has ended and you have returned to your usual residence (unless we expressly indicate in the guarantee that it ends at another time).

Information in one click

To directly consult the section that interests you, you can go directly to the Index and click on the corresponding section.

Contracting methods

Assistance Insurance (Temporary Coverage) - Student These General Terms and Conditions contain all the insurance and options we offer. You can check the coverage for each option by clicking on the name of each one. Additional optional coverages beyond the Student Assistance Insurance cannot be purchased independently of the Assistance Insurance. The insurance, contracted options and economic limits will be listed in Your Special Conditions, along with the coverage period and territorial scope. Please read these General Terms and Conditions carefully together with your Specific Terms and Conditions.

How to read the policy terms and conditions

The coverages, exclusions and procedures in case of a claim will be shown as follows:

• What your policy covers. First, we detail what each guarantee covers.
• What your policy does not cover. Below we list what is excluded from each guarantee.
• Procedures in case of an accident. After the coverages and exclusions, we will tell you how to contact us in each situation.
• Attention notes. Throughout the terms and conditions, we will provide you with additional information, clarifications, and suggestions as follows:

Information / Clarification / Suggestion / Notice / Advice We will provide you with the information, clarification, suggestion, notice, or advice we wish to give you.

Print

These General Terms and Conditions are designed to be read on screen. You can print them, but as it is a very long document, we recommend printing in black and white and only the sections you need.

2. Your Policy

How to get the most out of your insurance?

We want you to get the best from your insurance. To do this, we ask that you:

• Read the General Conditions together with the Special Conditions and make sure that the insurance covers those events that you think could happen to you.
• Make sure you understand the terms and exclusions of your policy because, if those terms are not met, it may affect any request you make to us.

If you access https://generali.eclaims.europ-assistance.com You can benefit from the Travel Protection Portal service, where you will find additional services and tools that are very beneficial for your peace of mind throughout your trip.

Modification of the data contained in the Policy

The policyholder is obligated to notify us of any changes to the information contained in the policy. This must be done in writing as soon as possible. We reserve the right to suspend the guaranteed coverage if you fail to comply with this obligation. Specifically, you must inform us of any changes related to:

• Your address
• Trip destination
• Departure or return dates

If you have any questions, you can contact our customer service department: Telephone 900 903 433 (from Spain) // (+34) 91 112 34 43 (from abroad) Email servicioatencionalcliente.es@generali.com

Important Clarification This insurance does not cover everything, it only covers the situations as described in these General Conditions.

Some important facts that are not covered are:

• Chronic and pre-existing diseases
• Facts indicated in the sections General Conditions and General Exclusions
• Facts indicated in the section “What Your Policy Does Not Cover” of each guarantee
• The franchises that we indicate in each section
• Management fees for issuing or cancelling services. These are the amounts that travel agencies charge for their services.
• Insurance premiums.
• Any other supplement not charged by the service providers

IF WE DO NOT INDICATE THAT SOMETHING IS COVERED, YOU SHOULD ASSUME THAT IT IS NOT.

Important Information Some important conditions that apply to your policy are:

• The duration of the insurance, the territorial scope of coverage, as well as the contracted modality along with its guarantees and exclusions; all of this will be indicated in Your Special Conditions.
• Your policy is intended only for people residing in Spain.
• Only events that take place within the insurance policy's validity period are covered.

3. How to contact us

24-HOUR TRAVEL ASSISTANCE

Phone

900 903 326 (from Spain) (+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location, and contact telephone number.

Please inform us of your situation and the type of assistance you need.

BAGGAGE, DELAYS

Website

https://generali.eclaims.europ-assistance.com

Go to the website and register. Once you have done this, you will be able to create your claim for compensation or expense reimbursement and track its status.

REQUEST FOR AUTHORIZED PAYMENTS

Website

https://generali.eclaims.europ-assistance.com

Go to the website and register. Once you have done this, you will be able to create your claim for compensation or authorized expense payment and track its status.

Address postal

P.O. Box 36316 28020 MADRID

If we request original documents, you must send them to this post office box.

CUSTOMER SERVICE

Phone

900 903 433 (from Spain) (+34) 91 112 34 43 (from abroad)

E-mail

customerservice.es@generali.com

If you have any questions about your policy.

COMPLAINTS SERVICE

E-mail claims.es@generali.com

Address postal Complaints and Claims Service Generali Spain, SA Insurance and Reinsurance Orense Street, No. 2 – (28020) MADRID

General Conditions

Important conditions regarding your policy

• The duration of the insurance, the territorial scope of coverage, as well as the chosen modality and its guarantees and exclusions, will be those indicated in the Special Conditions of Your Policy.
• Your insurance is intended only for people residing in Spain.
• Only claims that occur within the insurance policy period will be covered.

Entry into force and duration of the insurance

Your insurance policy will come into effect on the date indicated in the Special Conditions provided that you have accepted the terms and conditions and paid the Premium.

Once your trip has begun, you can also purchase insurance in the following cases:

1. If you are already insured with us and have not needed our assistance to extend the duration of your insurance.
2. If you are already insured with us and have needed our assistance to extend the duration of your insurance. In this case, the new insurance is not valid for previous situations that would have required assistance.
3. If you are not insured with us.

In cases 2 and 3, your insurance will come into effect the day after you take out the policy and, in addition, We will apply a 24-hour grace period starting from the effective date.

Start of insurance coverage

Coverage will begin on the date indicated in the Special Conditions of Your Policy, even if that date is later than the start of Your Trip.

Insurance duration

The duration of the insurance will be as reflected in the Special Conditions of Your Policy.

Kilometric franchise

You will be covered starting 35 km from your usual residence. If your usual residence is located on an island, it will be covered starting from 15 km away.

Territorial Scope

The coverage provided by this Policy will be valid within the territorial scope indicated in its Special Conditions. This will be the area for which you have taken out the insurance, excluding the established mileage deductible or unless we expressly indicate otherwise in the definition of the coverage.

Although these areas fall within the contracted territorial scope, we do not guarantee that we can provide assistance in countries experiencing war, insurrection, or armed conflict of any kind, even if not officially declared. In such cases, we will reimburse you for expenses covered and duly documented with copies of invoices and proof of payment. We reserve the right to request the originals if we deem it necessary.

This insurance provides coverage in the countries or destinations indicated in your policy, except in the following countries and territories: Iran, Crimea, North Korea, Syria, Venezuela, Belarus, Myanmar, Afghanistan, Russia and Ukraine.

Guaranteed limits

The financial limits listed for each coverage under this Policy are the maximum total amounts for the entire coverage period specified in the Special Conditions, unless expressly stated otherwise. The limits will correspond to the coverage option you have selected.

Chronic or pre-existing diseases

It will not be covered for chronic or pre-existing conditions.

Sports and activities

If you participate in sports or recreational activities during your trip, you will be entitled to the insurance coverage provided that:

1. Do it as an amateur, not as a professional; and without receiving remuneration.
2. The purpose of your trip is not to practice sports or recreational activities
3. Do not practice the sport or activity as a competition
4. The sport or activity is not dangerous or high risk.
5. The sport or activity is not expressly excluded from the insurance

Precautions

You should do everything possible to reduce the risk of any coverage under your insurance.

Failure to take the appropriate precautions may result in us deducting the amount from any claim for compensation or reimbursement of expenses, or refusing payment.

Subrogation

We are subrogated, up to the full cost of the services provided by us, to your rights and actions against any person responsible for the events that prompted our intervention. When the guarantees provided under this Policy are covered in whole or in part by another insurance company, by Social Security, or by any other institution or person, we will be subrogated to your rights and actions against that company or institution. To this end, you agree to actively cooperate with us by providing any assistance or facilitating any document we may deem necessary. In any case, we will have the right to use or request that you hand over to us the transport ticket (train ticket, plane ticket, etc.) that you have not used, when the return expenses have been borne by us.

Prescription

The actions to which you are entitled arising from the insurance contract expire two years after the insurance ends (five years for personal insurance, such as accident insurance coverage).

Communications and notifications between the Parties

You must contact us directly for any questions related to your policy. You can find out how to do this in the "How to Contact Us" section. Communications made by the policyholder to the insurance agent who mediates or has mediated in the contract will have the same effect as if they had been made directly to the insurance entity.

Communications made by an insurance broker to the Insurer on behalf of the policyholder will have the same effect as if made by the policyholder himself, unless otherwise indicated by the latter. Communications and notifications made by the Insurer to the Policyholder or the Insured through the insurance agent or broker who mediates or has mediated the operation will have the same effects as if they had been made directly by the Insurer.

1. Rules and form of communications and notifications between the parties by reason of this contract

All communications and notifications that the parties must make to each other by reason of this contract, related to its fulfillment and execution and/or for the exercise of the rights and obligations that arise from it must always be made in writing and will be governed by the provisions of this article of the policy.

Exceptionally, when the applicable regulations do not require that the communication be made in writing, those sent by the Insurer to the Policyholder and/or the Insured by telephone will be valid and have full effect when they are recorded on a durable medium that guarantees their integrity, provided that the recipient gives prior express consent for said recording.

2. Means of carrying out communications and notifications.

The insurer may make and send to the policyholder, the insured, beneficiaries and the heirs of any of them the communications and notifications referred to in point 1 above, with full legal validity and effectiveness and producing full contractual effects, by post, burofax, fax, by email or by text message (SMS) to a mobile phone.

In order for such communications and notifications, when made by mail or certified mail, to be effective, they must be addressed, in the case of those sent by the Insurer, to the address indicated in the policy by the Policyholder and/or the Insured, or to the address that they have notified to the Insurer after the issuance of the contract.

When the communications and notifications referred to in the previous paragraph are made by fax, by text message (SMS), or by email, they must be addressed, respectively, to the fax number, or the mobile phone number or the email address indicated in the policy by the Policyholder and/or the Insured, or to the one that they have subsequently notified to the Insurer or the intermediary who, if applicable, intervened in the contract.

All communications and notifications that the Policyholder and/or the Insured send to the Insurer must always be addressed to its registered office, as stated in the policy, or to any of its branches open to the public. This is without prejudice to the provisions of point 4 below regarding communications made through an insurance intermediary.

3. Effective date of the notifications and communications exchanged between the parties.

Communications and notifications exchanged between the parties will take effect from the moment they are received by the recipient party, regardless of whether or not the recipient reads them.

However, communications made by post or registered mail will have full contractual effect from the moment the Postal Service first attempts delivery to the recipient at their address (as established in point 2 above), regardless of whether that attempt fails for any reason. In the case of communications or notifications sent by email or text message (SMS) to a mobile phone, they will have full contractual effect from the date they are received at the destination email address or mobile phone number, regardless of whether the recipient opens the emails and/or SMS messages.

Divergences

If the policy content differs from the insurance proposal or the insurance application, the policyholder may request the insurance company to correct the discrepancy within one month of receiving the policy. If no claim is made within this period, the terms of the policy will apply.

International sanctions

We will not provide coverage, nor assume any Claim, nor provide benefits or services described in the policy that may expose us to any sanction, prohibition or restriction under resolutions issued by the United Nations or trade or economic sanctions, laws or regulations of the European Union, the United Kingdom, or the United States of America.

For more details, please visit the following pages:

• https://www.un.org/securitycouncil/sanctions/information ,
• https://sanctionsmap.eu/#/main,
• https://www.treasury.gov/resource-center/sanctions/Pages/default.aspx

Clause regarding US travelers

If you are a citizen or resident of the United States and travel to Cuba, you will need to prove that your trip to Cuba was in accordance with the laws of the United States in order for us to provide you with a service or make a payment.

Important information You will only benefit from the coverage of Your Policy if you have followed the official travel recommendations published by a government authority in Your country of origin. These recommendations are valid on the start date of your trip. The recommendations include “contraindications for travel or movement, unless they are essential.”

Definitions

All words and expressions defined below will have the same meaning in the Policy. They appear in capital letters throughout the document. The definitions appear in alphabetical order.

Accident(ies)/accidental Bodily injury or property damage occurring during the policy's validity. It must be caused by a sudden, external event unintentionally caused by the insured.

Companion Any person other than the insured party listed under the same travel contract. This person does not necessarily have to be insured unless it is specified that they must be.

Temporary Accommodation Legally accredited establishment or private residence that professionally provides accommodation to people in exchange for a financial amount, and in which the Insured is temporarily housed during their Course.

Insured, You, Your, The The individual listed as the Insured in the Policy's Special Conditions must have their habitual residence in Spain. The Insured assumes the obligations arising from the Policy.

Insurer, We, Our, Us GENERALI ESPAÑA SA DE SEGUROS Y REASEGUROS.

Fault This is the damage that occurs to the vehicle or means of transport. This damage must be caused by internal, normal, unforeseen, and unavoidable factors. This damage must immobilize the vehicle and prevent its use.

Natural disaster Floods, earthquakes, tsunamis, landslides, avalanches, hurricanes, tornadoes, fires, volcanic activity, and/or any other phenomenon declared a catastrophe by the relevant authorities. These must have been caused by nature and not by humans.

Quarantine Temporary isolation of people to prevent the spread of an infectious disease.

Course Paid training on a subject during a specified period of time.

Dangerous or high-risk sport/activity Sport/Activity that presents a real or apparent danger to the physical integrity of the person who practices it, even a life-threatening risk.

Usual Address The address declared by the Insured and located in Spain from which the Trip is made. If the trip does not begin or end at the usual residence, we may, at our discretion, make the transfers covered by this policy to the starting point of the trip.

Chronic Disease A disease that lasts three months or more and usually progresses slowly.

Serious Illness / Serious Accident We consider an illness or accident to be serious:

• requiring hospitalization for at least 24 hours (stay in the emergency department is not considered hospitalization) and/or
• that causes severe impairment of the upper and/or lower limbs according to the criteria of our medical team.

We also consider a diagnosis of cancer (or another illness) requiring active treatment during the travel dates to be a Serious Illness. This diagnosis must be made after the policy has been purchased. Common or mild illnesses (for example, flu, gastroenteritis, lower back pain, asthma, among others) will be considered Serious Illness when they require hospitalization (as indicated above) and the attending physician advises against travel in the medical report.

Preexisting Condition A medical condition, ailment, or injury that has been previously diagnosed or treated by a doctor, or that is currently symptomatic. It must have been contracted or begun before the policy was taken out, or it must manifest during the trip and require medical assistance.

Unforeseen Illness Unforeseen change in a person's health status during the trip insured by the policy. This change in health must require medical attention. A legally recognized physician or dentist must diagnose and confirm this change in health. We consider Covid-19 to be any other illness.

Epidemic Any sudden and large-scale manifestation of a disease that spreads rapidly and simultaneously affects many people in one or more geographical areas.

Luggage The suitcase(s), bag(s) and similar items, and the clothing and personal hygiene and use items that the Insured needs during their Trip and that are inside.

Luggage / Sports Equipment Items used for the practice of a recognized sport (e.g., rackets, balls, golf clubs).

Foreign The country different from Spain.

Direct relative Spouse or registered domestic partner. Parents, parents-in-law, grandparents, grandparents-in-law, children, sons-in-law, daughters-in-law, grandchildren, grandchildren-in-law, siblings, and siblings-in-law.

Force Majeure An event that was not caused by human will. This event must be unforeseeable, or if foreseeable, it must be unavoidable.

Strike Collective work stoppage by workers to achieve something or exert pressure on certain situations.

Theft Theft of other people's movable property, without violence or intimidation against people or force against things.

Travel Destination City, town or destination point of the Trip to carry out the insured Course.

Pandemic An epidemic disease that spreads across many countries or that affects almost all individuals in a locality or region.

Policy The contractual document that contains the Regulatory Conditions of the Insurance. It includes the General Conditions, the Particular Conditions, the Special Conditions (which personalize the risk) and any supplements or appendices that may be issued to complete or modify it.

Premium This is the price of the insurance. The premium receipt includes the price of the insurance, any applicable surcharges, and taxes.

Heist Theft of other people's movable property, with violence or intimidation against people or with force against things.

Sabotage Damage or destruction that is intentionally done to a service, facility, process, etc., as a form of struggle or protest against those who manage them.

Sinister A sudden, accidental, unforeseen event, unintentional on the part of the Insured, and whose damages are covered by this Policy. We will consider as a single Claim when several damages occur due to the same cause.

Terrorism The actual or threatened use of force or violence by any person or group of persons. This person or group of persons may act alone or in connection with a political, religious, ideological, or similar organization. Their intention is to coerce a government or society in general.

An act of terrorism must be declared as such by the government of the place where it occurred.

Policyholder The person or entity that takes out and pays for the Policy to the Insurer. The Policyholder assumes the corresponding obligations arising from the Policy.

Journey Travel outside the Insured's Usual Residence, from departure to return, intended to carry out the Course for which this Policy has been contracted.

To request compensation / payment of expenses

Our commitment:

• An experienced member of our team will attend to your request and inform you of the next steps to follow;
• We will return your call when we have committed to doing so;
• It will keep you informed of the process of your application.

To submit your application:

• In each guarantee we explain the steps to follow in case of requesting compensation or payment of expenses.
• Look in the warranty section for what you need and make sure you have all the information or documentation that we will ask for.
• Keep copies of all documentation and correspondence that you send us.
• You can view the contact details in the “How to contact us” section

Important Notice To submit and process your application, you must have your policy number.

Any expenses arising from the supporting documents are your responsibility.

Information that you must always provide to us:

We will always ask you to:

• Policy number, make sure you have it
• Name and surname
• Contact phone number
• Location if you need assistance
• What assistance do you need?

Important Information You should do everything possible to reduce the risk of any coverage under your policy. Failure to take the appropriate precautions may result in us deducting the amount from any claim for compensation or reimbursement of expenses, or refusing payment.

Information and conditions of your application

Your request for compensation and/or payment of expenses implies your authorization for us to:

• To handle and act on your behalf in the defense of any claim covered by your Policy;
• To carry out legal proceedings on your behalf, but at our expense, to recover any amount covered by your insurance that we have paid you;
• We will obtain information about your medical condition (with your permission) to manage any requests for medical assistance or related to the cancellation of your trip.

We will not share personal information with third parties without your prior approval. We will not pay amounts higher than those indicated in the Special Conditions. In order for us to reimburse you for any expenses, it is essential that you provide us with copies of the invoices and proof of payment. We reserve the right to request the originals if we deem it necessary.

Important Notice The refunds we issue are made in compliance with the provisions of the laws and Spanish, specifically in what is established for cash payments and capital outflows from the national territory. Thus, in the event that you have paid outside of Spain the costs of contingencies covered by this insurance, we will only reimburse the amount equal to or greater than 10,000 euros or its equivalent in foreign currency if bank proof of your cash withdrawal outside of Spain is provided or it has been declared in accordance with the provisions of Article 34 of Law 10/2010 on the prevention of money laundering.

Badge

We will pay compensation, costs, or services in the currency in which the expense was incurred. For currencies for which there is no exchange rate at the European Central Bank, we will pay in Euros. The exchange rate will be the one available at any reputable banking institution that accepts such exchange rates.

Guarantees

1. Medical assistance

1.1. What Your Policy Covers

In the event of illness or accident occurring unexpectedly during your trip, we will pay up to the limits indicated in your Special Conditions the expenses arising from:

• Medical expenses outside the country of usual residence
• Dental expenses
• Transfer to hospital in case of emergency
• Extension of stay in Temporary Accommodation due to Illness or Accident
• Telephone medical advice
• Medical transport of the sick and injured
• Return of insured companions to their home
• Companion for minors or dependent persons
• Forgetting to take medication
• Reintegration into the travel plan
• Extension of hotel stay for the accompanying person “on site”
• On-site travel of companion
• Transfer of a person to accompany the hospitalized insured person
• Accommodation expenses for one person to accompany the hospitalized insured.
• Companion's clinic stay expenses
• Hospitalization expenses of the displaced companion
• Transfer of mortal remains
• Companion of mortal remains
• Funeral service
• Expenses related to rehabilitation or physiotherapy treatment
• Face-to-face psychological consultation
• Optical expenses due to accident

Important Information This policy is travel assistance insurance, not private medical insurance. It only covers emergency medical expenses in case of accident or illness occurring during your trip. You must take into account the conditions and exclusions of the Policy.

1.2. What Your Policy Does Not Cover.

Important Information

Here we indicate the exclusions relating to this warranty.

You should also consult the General Exclusions which refer to all the guarantees of the policy.

Unless expressly included in the corresponding coverage, the following damages, situations, expenses and consequences arising from the following are excluded from the insured guarantees:

• Pre-existing or chronic illnesses, injuries or conditions suffered by you before the purchase of the Policy that manifest themselves during the Trip and require medical assistance for this reason.
• Mental illnesses, preventive medical check-ups, thermal cures, cosmetic surgery and those cases in which the purpose of the trip is to receive medical treatment or surgical intervention, alternative medicine treatments (homeopaths, naturists, etc.), expenses derived from physiotherapy and/or rehabilitation treatments as well as those related to these.
• Their suicide, suicide attempt, or self-harm.
• Epidemics; Pandemics; infectious diseases of sudden onset, large scale, and rapid spread within the population. Quarantines resulting from any of the causes described are also excluded.
• Diseases caused by air pollution and/or contamination.
• Illnesses or accidents resulting from the consumption of alcoholic beverages, narcotics, drugs or medications, unless the latter have been prescribed by a doctor.
• The diagnosis, monitoring and treatment of pregnancy, voluntary termination of pregnancy and childbirth, except when it involves urgent care and always before the 26th week of gestation.
• The medical transport of sick or injured people due to conditions or injuries that can be treated “in situ”.
• Voluntary waiver, delay or advance by you of the medical transfer proposed by us and agreed by our medical service.
• Expenses for glasses and contact lenses, as well as the acquisition, implantation replacement, extraction and/or repair of prostheses (understanding prosthesis as any element that replaces or restores the functionality of an organ or part of the body), anatomical pieces, osteosynthesis material and orthopedic material with a cost exceeding 100 euros.
• Endodontics, aesthetic reconstructions of previous dental treatments, prostheses, crowns and dental implants.
• Reimbursement of medical, surgical and pharmaceutical expenses amounting to less than 50 euros is specifically excluded.
• Acts of reckless imprudence or gross negligence; expenses arising from criminal acts and from your participation in bets, challenges, or fights, except in cases of self-defense and/or when your life is at risk.
• Consequences arising from driving vehicles on roads that are not ordinary or not suitable for traffic.
• The practice of any sporting and/or adventure activity, whether professionally or for which remuneration is received (including training). These practices are also excluded when the Insured participates in official or federated competitions.

Also excluded as an amateur is the practice of any dangerous or high-risk sport or recreational activity, such as those listed below or similar:

• Driving motor vehicles in races or rallies
• Driverless motorboats
• Trail, Quad and ATV motorcycle excursions
• Boxing, weightlifting, wrestling (in its various forms), martial arts
• Mountaineering of any kind, via ferrata, climbing, glacier access, caving, rafting, hydrospeeding, canyoning, abseiling, deep water soloing, whitewater kayaking, busbob, hydrobob, ultratube
• Any sport performed at altitudes above 3,500 meters
• Water sports, underwater and scuba diving; canyoning, water skiing, spearfishing, cave diving, surfing, kite surfing / fly surfing, body boarding, jet skiing, barefoot sailing.
• Free ride, downhill biking, free ride mountain biking, ultratrails, duathlon, triathlon, roller skiing on mountain roads, half pipe.
• Slackline, highline, rap jumping, bungee jumping, cliff jumping, coasteering, parkour.
• Kite buggy, parasailing
• Canicross
• Hunt
• Horse riding, polo, ice hockey
• Air sports in general (such as skydiving, paragliding, hang gliding, ballooning, hot air ballooning, free flight, gliding or similar)

• Bullfighting, bull-running, running of the bulls and any participation in bullfighting shows;

In general, any sport or recreational activity that is clearly dangerous or high risk is excluded.

1.3. Procedures in case of an accident

What you should do before and during your request for assistance:

1. You must inform us of your illness or accident as soon as possible. In the event of force majeure that prevents you from making this notification, you must do so as soon as the cause preventing you from doing so ends.
2. You must inform us of the incident within a maximum of 7 days from the moment you became aware of it. If you do not do so, we may claim for any damages incurred as a result of your failure to inform us.

We will provide the necessary instructions for you to receive the requested service.

24-HOUR TRAVEL ASSISTANCE

Phone

900 903 326 (from Spain) (+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location, and contact telephone number. Please inform us of your situation and the type of assistance you need.

If you do not accept our decisions and/or do not wish to be repatriated in the manner we indicate, we will not be able to provide you with the coverage included in the guarantees:

• Medical assistance
• Accident insurance

We will have to reject any requests related to these guarantees and coverages. All other coverages remain in effect during your trip.

1.4. Documentation that you must provide us:

In all cases, you will need to provide us with:

• A medical report that is as complete as possible. It must have been issued at the location where the assistance was needed.
• If the medical report is handwritten and/or was not issued by a specialist physician, and our medical team requests it, you will need to send us:
  • a copy of the prescription for the medicines that the doctor has prescribed and
  • proof of payment for these medicines.
• Copy of the medical expense invoice and proof of payment. We will request the original if we deem it necessary.
• Any other document that we may request in order to manage your case.

1.5. Coverage Content:

1.5.1. Medical expenses outside the country of usual residence

You should contact us as soon as possible so we can arrange assistance.

What medical expenses do we pay?

If you become unexpectedly ill or have an accident during your trip outside your country of usual residence, we will arrange and pay for:

• Medical expenses and necessary diagnostic tests authorized by our medical team
• hospitalization expenses
• the medications prescribed by the doctor who treated you. We will not pay for the costs of medications for treatments that are prolonged or become chronic.
• ambulance expenses ordered by a doctor for a local journey

What amount do we pay? Up to the limit corresponding to the modality contracted by each Insured and contracted period, during the validity of the insurance. The economic limits indicated for the different territorial areas cannot be accumulated.

What if you are treated at a Social Security center? Within the stated limit, we will pay the portion of expenses not covered by Social Security for the items indicated above.

What happens if we don't intervene directly?

In order for us to reimburse your expenses, you will need to provide us with:

• Copy of the invoices and proof of payment. We reserve the right to request the originals if we deem it necessary.
• A complete medical report issued by your treating physician, including symptoms, tests performed, diagnosis, and treatment. We reserve the right to request additional medical reports and background information if we deem it necessary.

1.5.2. Dental expenses

If you need dental assistance in case of emergency, we will pay the expenses of a dentist. We will pay up to the limit corresponding to the contracted modality, within the limits indicated in “Medical expenses outside the country of Usual Residence”.

The following are excluded: aesthetic reconstructions from previous treatments, prostheses, crowns and implants.

We will also pay, within that limit, for the costs of fillings, root canals, and braces repairs.

When will we pay these expenses? When, during your trip, we have provided you with urgent dental assistance within this guarantee and the indicated expenses arise from this assistance.

1.5.3. Transfer to hospital in case of emergency

If during your trip you become ill or have an accident that prevents you from traveling to a medical center on your own, we will arrange and pay for the following expenses:

• to transport you to and from the Temporary Accommodation to the nearest hospital or clinic and
• Medical attention will be provided during the transfer if necessary. We will carry out this transfer according to our medical judgment.

1.5.4. Extension of stay in Temporary Accommodation due to Illness or Accident

If you become unexpectedly ill or have an accident during your trip and:

• you don't need to be hospitalized,
• cannot continue His Journey and, Our medical team recommends that you extend your stay.

We will pay for the expenses of your stay in the Temporary Accommodation up to the limit corresponding to the contracted modality and for a maximum of 14 days. We will pay these expenses when they were not originally included in your trip. The stay includes accommodation and meals.

1.5.5. Telephone medical guidance

Do you have medical questions?

Call us if you have medical questions, such as understanding test results, or if you need information about medications. Our doctors will answer your questions and advise you, but they cannot prescribe treatments or make diagnoses. Service hours: From 9:00 to 19:00 every day (Spanish Peninsular Time).

1.5.6. Medical transfer of the sick and injured.

When and where are we going to transfer them?

• If you become unexpectedly ill or have an accident and there are no suitable means to treat you where you are, we will transfer you to the nearest hospital that is equipped to treat you.
• If you have already been discharged from the hospital, but are not in a condition to continue your trip or your scheduled trip has already ended, we will transfer you to your usual residence.
• If you are going to be hospitalized for a prolonged period, but are medically stable enough to travel according to your attending physician, we will transfer you to your referral hospital near your usual residence.

Our medical team will always be the one to assess and authorize transfers, taking into account exclusively medical criteria.

How are we going to move him?

Once you notify us, our doctors will contact the doctors who are treating you. We will assess the severity of your situation in order to authorize the transfer. We will only consider medical reasons for the transfer and will always respect current international health measures. We will carry out this transfer using the following means:

• Air ambulance (only in Europe and Mediterranean coastal countries)
• Train
• Medical helicopter
• Ambulance
• Scheduled airliner
• Any other means that our medical team considers most appropriate in each case.

Our medical team will decide which method is most appropriate. If you refuse the transfer at the time and under the conditions decided by our doctors, we will cancel all guarantees and expenses resulting from this decision. If we do not arrange the transfer, we will only pay for the costs of said transfer up to the limit corresponding to the contracted modality.

1.5.7. Return of the insured companions to the home

We will pay for the travel of a person, insured or not, who has stayed with you or delayed their return to accompany you during your illness, accident, or death.

If you are traveling with other people who are also insured and cannot return home because:

• We have had to transfer you due to an unforeseen or serious illness or an accident, or
• You have died

We will organize and pay for the travel of said insured Companions to the place where the Trip started or to the hospital where you are located. How are we going to move them? We will carry out this transfer using the following means:

• scheduled airline (economy class),
• train and/or
• any other means of transport and/or connection that we consider appropriate in each case.

1.5.8. Companion for minors or dependent persons

You are traveling with children under 14 years of age or with dependents and you are unable to care for them because you:

• has had an accident
• He has unexpectedly fallen ill.

How can we help you?

We offer you the possibility of having someone accompany these minors or dependent persons to return to your usual residence, if there is no other person with you who can take care of them. You can choose that:

1. We will relocate the person you or your family designate who resides in the same country as you, or
2. Let's replace someone we trust.

How do we do it? We will organize and pay for the companion's round trip in:

• scheduled airline (economy class),
• train and/or
• any other means of transport that we consider appropriate in each case.

1.5.9. Forgetting to take medication

During your trip abroad, you need a medication that you forgot at home.

1. If you cannot buy it where you are because it requires a prescription, we will arrange and pay for your visit to a doctor to get a prescription if they deem it necessary.
2. If you cannot buy another medicine with the same active ingredient where you are, you must arrange for the purchase and shipment in your country of usual residence.

You must comply with the rules and laws of the affected countries (health and customs authorities). We will cover your shipping costs. To process this reimbursement, please send us copies of the invoices and proof of payment. We reserve the right to request the originals if we deem it necessary. The invoices or proof of payment must clearly state the details.

1.5.10. Reintegration into the travel plan

We will help you get back on track with your scheduled trip if you have had to interrupt it due to an unforeseen or serious illness or accident covered by your insurance.

When can we help you?

When our medical team determines that you are recovered and able to travel again, and when the scheduled trip has not yet ended.

How do we do it?

We will organize and pay for:

• train ticket,
• scheduled airline ticket, economy class and/or
• any other means of transport and/or connection that we consider appropriate in each case.

Who are we organizing it for?

For you and for a person who has stayed with you. Did we intervene in any other cases? When we transfer you to your usual home or a hospital center near it. In this case, if an insured Companion traveled with you, we will also arrange and pay for their transfer so that they can rejoin the scheduled trip.

1.5.11. Extension of hotel stay for “on-site” Companion

If you are hospitalized during your trip due to an unforeseen illness or accident, we will pay for an insured companion's hotel stay to accompany you during your hospitalization. If you are a minor and are not hospitalized, but must stay in the accommodation or extend your stay due to medical prescription, we will pay these expenses for a person who stays with you.

We will pay for your companion's hotel accommodation expenses up to the limit corresponding to the contracted modality. The stay includes accommodation and meals. We will pay these expenses when they were not originally included in the trip.

1.5.12. Travel of Companion “on site”

If you are hospitalized due to a serious illness or accident, we will pay the transportation costs for an insured companion traveling with you. Transportation costs will be those necessary to travel daily from the hotel to the hospital where you are located. We will pay up to the limit corresponding to the contracted modality. In order for us to reimburse your companion for these expenses, we need you to send us copies of the invoices and/or tickets and proof of payment. We reserve the right to request the originals if we deem it necessary.

1.5.13. Transfer of a person to accompany the hospitalized insured person

If you are hospitalized for more than five days and do not have a close relative by your side, we will arrange and pay for the travel of one person from your country of habitual residence.

What if you are a minor?

Situation A

He has been hospitalized for more than two days and has no immediate family member with him. We will arrange and pay for the travel of two people from his country of residence.

Situation B

He is not hospitalized, but he must remain in his accommodation or extend his stay due to medical advice, and he does not have an immediate family member with him. We will arrange and pay for someone to travel from his country of residence to accompany him from the moment he has to be alone.

How are we going to move him?

This person's (or people's) round trip will be made by:

• scheduled airline (economy class),
• train and/or
• any other means of transport and/or connection that we consider appropriate in each case.

1.5.14. Accommodation expenses for a person to accompany the hospitalized insured.

If you are hospitalized for more than five days and do not have a close relative by your side, we will pay for the hotel stay of the person who travels from their usual residence to accompany you.

What if you are a minor?

Situation A

He has been hospitalized for more than two days and has no immediate family member with him. We will arrange and pay for the accommodation of two people traveling from his country of residence.

Situation B

You are not hospitalized, but you must remain in your accommodation or extend your stay due to medical advice, and you do not have an immediate family member with you. We will pay for the hotel stay of the person accompanying you from the moment you have to be alone.

We will pay for the hotel stay expenses up to the limit corresponding to the contracted modality. The stay includes accommodation and meals. If we do not handle these arrangements, your companion must send us copies of the invoices and proof of payment so that we can reimburse you for these expenses. We reserve the right to request the originals if we deem it necessary.

1.5.15. Companion's Clinic Stay Expenses

If you are hospitalized for more than five days (or two days if you are a minor) and you do not have a close relative by your side, we will pay for the hospital stay of the person (or people) we have brought from your usual home to accompany you.

We will pay for your stay up to the limit corresponding to the contracted modality. The stay includes accommodation and meals. If we do not handle these arrangements, your companion must send us copies of the invoices and proof of payment so that we can reimburse you for these expenses. We reserve the right to request the originals if we deem it necessary. This guarantee cannot be added to any other guarantee for which we pay for the accommodation expenses of Your Companion (for example, “Accommodation expenses of a person to accompany the hospitalized Insured” or “Extension of hotel stay of Companion on site”).

1.5.16. Hospitalization expenses of the displaced companion

If the person we have sent to accompany you is hospitalized due to an unforeseen illness or accident, we will pay for the costs of this hospitalization up to the limit corresponding to the contracted modality. When will we pay these expenses?

• when you travel outside of Spain without the company of a direct relative and need a companion because you have an illness or an accident, and
• while the displaced person is accompanying you.

1.5.17. Transfer of mortal remains

If you pass away for any reason during your trip, we will transfer your remains or ashes to your country of habitual residence. Where will we move His mortal remains? To the place of burial or cremation within the municipal boundaries of your usual residence. What expenses do we pay?

We will pay for the expenses of:

• Transfer of the mortal remains
• Embalming
• Minimum coffin required
• Administrative procedures related to the transfer

We will not pay for the remaining related expenses, such as funeral arrangements and burial. And in the case of incineration? In case of cremation at the place of death, we will pay:

• The cost of incineration and
• The transfer of the urn with the ashes.

If, for legal or organizational reasons, the presence of a companion is required for the transfer of the urn to your usual residence, we will organize and pay for the travel of a person from the country of your usual residence.

This person's round trip will be made by:

• scheduled airline (economy class),
• train and/or
• any other means of transport and/or connection that we consider appropriate in each case.

If the transfer is rejected at the time and under the conditions decided by us, we will cancel all guarantees and expenses incurred as a result of this decision.

If the transfer cannot be carried out for reasons other than the organization of the transfer itself, we will pay the custody expenses for the first fifteen (15) days.

If we do not organize the transfer, we will only pay the costs of said transfer up to the limit corresponding to the contracted modality.

1.5.18. Companion of mortal remains

If you pass away during the trip and there is no one to accompany your remains during the transfer to the burial site, we will arrange and pay for the round-trip travel of one companion on:

• scheduled airline (economy class),
• train and/or
• any other means of transport and/or connection that we consider appropriate in each case.

When the means of transport is by airplane, Your companion may have to travel on a different one than the one that will transport Your mortal remains.

His family members must designate the person who will travel from the country of his usual residence to accompany his mortal remains on the return journey.

We will also pay for the companion's hotel expenses up to the limit corresponding to the contracted modality. The stay includes accommodation and meals. In order for us to cover these expenses, the accompanying person must send us copies of the invoices and proof of payment. We reserve the right to request the originals if we deem it necessary.

1.5.19. Funeral service

If you die during your trip, we will pay your beneficiaries for the funeral expenses. For example:

• Coffin
• Funeral transportation and escort
• Religious services
• Cemetery services
• Funeral Home
• Niche
• Burial or cremation
• Crowns
• Reminders
• Obituary and other accessories
• Any other related expenses.

We will pay up to the limit corresponding to the contracted modality.

In order for us to cover these expenses, your heirs or beneficiaries must send us copies of the invoices and proof of payment. The invoices or proof of payment must detail the expenses. We reserve the right to request the originals if we deem it necessary.

1.5.20. Expenses derived from rehabilitation or physiotherapy treatment

We will pay for the costs of rehabilitation or physiotherapy treatment up to the limit corresponding to the contracted modality. When will we pay these expenses? When ordered by a doctor or traumatologist and are a consequence of an event covered by your insurance.

1.5.21. Face-to-face psychological consultation

If you require in-person psychological assistance as prescribed by a doctor, we will pay up to the limit corresponding to the contracted modality.

When will we pay these expenses?

• If our medical team authorizes the sessions and
• We are the ones who designate the psychologist or who authorize the one you choose.

1.5.22. Optical expenses due to Accident

We will pay you the cost of purchasing or repairing glasses or contact lenses, both with a prescription. We will pay these expenses up to the limit corresponding to the contracted modality. When will we pay these expenses? If during your trip:

• You have an accident and your glasses break or become unusable.
• You have an accident and lose one or both contact lenses (non-disposable contact lenses only).

In order for us to reimburse these expenses, you will need to provide us with:

• part of the accident
• photograph of the broken glasses or the contact lens that has not been lost (in case only one was lost)
• Report from the optician certifying that the glasses cannot be repaired or that the cost of repair is higher than new ones (if they cannot be repaired)
• Copy of the invoice and proof of payment (for the purchase or repair). We reserve the right to request the originals if we deem it necessary.

2. Travel and Flight Incidents

2.1. What Your Policy Covers

For any incidents you may experience during your trip, we will provide you with the following services and reimburse, up to the limits stated in your policy, the expenses arising from:

• Telephone interpreter service abroad.
• Reimbursement of expenses due to travel delay
• Loss of means of transport due to an in-itinere accident,
• Missed flight connection
• Travel delay due to “overbooking” on air transport
• Return of the Insured in case of death of a Direct Relative
• Return of the Insured in case of hospitalization of a Direct Family Member
• Early return due to serious accident
• Reinstatement of the Insured to their place of origin after medical transfer
• Alternative transport due to loss of links

2.2. What Your Policy Does Not Cover

Important Information Here we indicate the exclusions relating to this warranty. You should also consult the General Exclusions which refer to all the guarantees of the policy.

Unless expressly included in the corresponding coverage, the following damages, situations, expenses and consequences arising from the following are excluded from the insured guarantees:

• Overbooking, except for what we indicate in the coverage “Travel delay due to overbooking on air transport”.
• Compensation for delays caused by non-scheduled flights is excluded.
• Any consequence of you not having checked in at the point of departure when you should have done so.

2.3. Procedures in case of an accident

What you should do before and during your request for assistance:

1. You must inform us of the incident as soon as possible and always within a maximum of 7 days from the moment you became aware of it. If you do not do so, we may claim for any damages incurred as a result of your failure to inform us.
2. You must inform us of the situation you are in or have been in.
3. You must arrive at the departure point with plenty of time and have enough time to check in.

24-HOUR TRAVEL ASSISTANCE

Phone

900 903 326 (from Spain) (+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location, and contact telephone number. Please inform us of your situation and the type of assistance you need.

CANCELLATION FEES, DELAYS, LOSSES

Website

https://generali.eclaims.europ-assistance.com

Go to the website and register. Once you have done this, you will be able to create your claim for compensation or reimbursement of expenses and track its status.

2.4. Documentation that you must provide us:

• Proof of cancellation or delay issued by the airline.
• A document issued and stamped by a recognized third party stating the cause of the event (for example: a medical report issued by the attending physician or a death certificate, a fire department report, a police report, an insurance company report, etc.). We consider a “third party” to be any person other than yourself, a direct relative, a companion, or an employee. The document must state the reason for the cancellation or delay and must include the date on which it occurred (for example: hospitalization, death, the accident, etc.).
• A copy of the invoice and/or payment receipts for your trip to the supplier, as well as a copy of the travel voucher issued by said supplier. We reserve the right to request the originals if we deem it necessary.
• Any document we request from you in order to manage your case.

Important Notice

When you receive our compensation, you are authorizing us to file claims with the airline on your behalf. These claims are filed to recover the money we have paid you.

It also authorizes us to file lawsuits on your behalf if necessary.

You authorize both Us and the companies to which we delegate this function.

2.5. Coverage Content:

2.5.1. Telephone interpreter service abroad

If you require any translation services during your trip abroad, we offer a telephone translation service in the following languages:

• Spanish
• English
• French
• German

We will also provide you with the option of contacting interpreters. Any expenses incurred will be your responsibility.

2.5.2. Reimbursement of expenses due to travel delay

If the means of transport is delayed beyond the scheduled departure time, we will pay up to the limit corresponding to the contracted modality. What expenses will we pay? The actual expenses for the necessary purchase of clothing, food, and essential hygiene items. You must make the purchases in the place where the delay occurred. In order for us to cover these expenses, it is necessary that:

• the delay time is greater than 6 hours,
• the delay is due to causes beyond your control,
• the causes are attributable to the transport company
• and send us:

• Copies of invoices and proof of payment. We reserve the right to request the originals if we deem it necessary. Invoices or receipts must include details, and
• the original proof of delay issued by the transport company

We will only pay the expenses when the delay occurs on regular flights. We will only pay for expenses not covered by the transport company.

2.5.3. Loss of the means of transport due to an in-itinere accident,

If you miss your means of transport, we will pay up to the limit corresponding to the contracted modality. It must be a means of public, collective, regular line transport with fixed and published schedules that you have contracted. What expenses will we pay?

The actual expenses for necessary purchases of clothing, food, and hygiene items. You must make the purchases at the location where you missed your transportation. In what cases will we pay? When you have been unable to reach the airport, port, railway station or bus station from where your transport was departing because you suffered an accident in the means you were using to get there. In order for us to reimburse your expenses, you need to send us:

• accident report if it is a private vehicle
• justification from the public media outlet which also indicates that it will not provide compensation.
• Copies of the invoices for expenses and proof of payment. We reserve the right to request the originals if we deem it necessary. The invoices or receipts must include a detailed list of the items.

2.5.4. Loss of flight connection.

If you miss your connection between two scheduled flights, we will pay up to the limit corresponding to the contracted modality. What expenses will we pay? The actual expenses for the necessary purchase of clothing, food and hygiene items and the transportation costs you may have to pay. You have to make the purchases/spending at the location where the connection loss occurred. In order for us to cover these expenses, it is necessary that:

• the waiting time is longer than 6 hours,
• the loss of connection is due to causes beyond your control,
• the causes are attributable to the transport company
• and send us:

• Copies of the invoices and proof of payment. The invoices or receipts must include the details, and
• Copy of the receipt issued by the transport company

We reserve the right to request the originals if we deem it necessary. We will only pay the expenses when the missed connection occurs on regular flights. We will only pay for expenses not covered by the transport company.

2.5.5. Travel delay due to “overbooking” in air transport

If the means of transport is delayed beyond the scheduled departure time due to overbooking, we will pay up to the limit corresponding to the contracted modality. Overbooking occurs when the carrier sells more seats than are available.

What expenses will we pay? The actual expenses for the necessary purchase of clothing, food, and essential hygiene items. You must make the purchases in the place where the delay occurred. In order for us to pay these expenses, it is necessary that:

• the delay time is greater than 6 hours.
• and send us:

• Copies of the invoices and proof of payment. The invoices or receipts must include the details, and
• the proof of delay issued by the transport company. We reserve the right to request the originals if we deem it necessary.

We will only pay the expenses when the delay occurs on regular flights. We will only pay for expenses not covered by the transport company. The amount of these expenses will be equal to or less than the price of the original ticket.

2.5.6. Return of the Insured in case of death of a Direct Relative

If during your trip a direct relative of yours dies in the country of your usual residence, we will arrange and pay for the trip so that you can return to your usual residence sooner.

How are we going to move him? The trip will take place in:

• scheduled airline (economy class),
• train and/or
• any other means of transport and/or connection that we consider appropriate in each case.

When can we help you?

We will only pay for your transfer if:

• Your scheduled return trip is not the day after this request.
• The trip takes place within 7 days of the death.

We will organize the trip according to our criteria and taking into account the availability of transport.

2.5.7. Return of the Insured in case of hospitalization of a Direct Family Member

either If during your trip a direct relative of yours is unexpectedly and unscheduledly hospitalized in your country of habitual residence, we will arrange and pay for a trip to the place of hospitalization in:

• scheduled airline (economy class),
• train and/or
• any other means of transport and/or connection that we consider appropriate.

Hospitalization must have occurred after you have started your trip. The reason for hospitalization must be due to an accident or serious illness and must be expected to last more than 5 days.

2.5.8. Early return due to serious accident

If a serious incident occurs at your home or business premises during your trip, we will pay for a round trip so you can return to your home in:

• scheduled airline (economy class),
• train and/or
• any other means of transport and/or connection that we consider appropriate in each case.

In the event of a serious incident at your business premises, we will pay for the trip only if your presence is essential and you cannot be replaced by a third party.

What is a major accident? It is that produced by a fire, a robbery, an explosion, a flood or by the forces of nature.

2.5.9. Reincorporation of the Insured to their place of origin due to medical transfer

We will manage your return home during transport once we have transferred you according to the "Health transport of the sick and injured" guarantee.

When do we manage it?

• when our medical team determines that you have recovered and can travel again,
• when there are at least 30 days left until the end of your stay or
• when you have to take an essential exam to obtain your degree.

How do we do it?

We will organize and pay for:

• train ticket,
• scheduled airline ticket, economy class and/or
• any other means of transport and/or connection that we consider appropriate.

2.5.10. Alternative transport due to loss of links

If you miss your connection with the booked public transport, we will pay up to the limit corresponding to the contracted modality. What expenses will we pay?

1. the return transport costs to the place of origin,
2. the transport costs to the final destination or
3. the transport costs to the next connection point

In what cases will we pay? When the previous form of public transport is delayed or cancelled due to:

• technical failure,
• Strike or social conflict,
• adverse weather conditions,
• natural disasters,
• extraordinary phenomena of nature,
• Intervention by the authorities or other people by force.

We will only pay the expenses that have not been assumed by the transport company.

3. Luggage and Documents

3.1. What Your Policy Covers

We will pay you up to the limits reflected in your policy for any incidents you may suffer during your trip in relation to your luggage and/or documentation.

• Luggage search and location
• Loss, damage and theft of checked baggage
• Theft of valuables
• Baggage Delay
• Loss or Theft of Travel Documents
• Information on procedures for cancelling cards
• Shipping of personal items
• Reimbursement of luggage shipping costs to your usual address

3.2. What Your Policy Does Not Cover

Important Information Here we indicate the exclusions relating to this warranty. You should also consult the General Exclusions which refer to all the guarantees of the policy.

Unless expressly included in the corresponding coverage, the following damages, situations, expenses and consequences arising from the following are excluded from the insured guarantees:

• Theft or simple loss of objects, money, jewelry, documents and theft of luggage or personal items found in vehicles or tents.
• Any consequence of you not having checked in at the point of departure when you should have done so.
• We will not indemnify separately the parts that make up an object or its accessories.
• Reimbursement of passport issuance costs is excluded if you do not present proof issued by the consulate of the country where the loss occurred.

3.3. Procedures in case of an accident

What you should do before and during your request for assistance:

1. You must complete the Property Irregularity Report (PIR) with the airline at the arrival airport.
2. You must report the incident to the competent authority if it occurs in another means of transport, hotel or accommodation and you must obtain proof of the report in writing.
3. You must report the theft or loss to the police or local authority as soon as possible and obtain written proof of the report.

BAGGAGE, DELAYS, LOSSES

Website

https://generali.eclaims.europ-assistance.com

Go to the website and register. Once you have done this, you will be able to create your claim for compensation or reimbursement of expenses and track its status.

LUGGAGE TRACKING, CARD CANCELLATION, SHIPPING OF ITEMS

Phone

900 903 326 (from Spain) (+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location, and contact telephone number. Please inform us of your circumstances and the type of assistance you need.

3.4. Documentation that you must provide us:

• In case of theft, a report of the theft that includes a list of the stolen items and their value.
• Claim to the transport company that includes a list of the damaged, lost or stolen items and their value.
• The baggage check-in card (if it is checked baggage)
• Copies of purchase invoices and proof of payment. We reserve the right to request the originals if we deem it necessary.
• Any other document that we may request in order to manage your case.

Important Notice

When you receive our compensation, you are authorizing us to file claims with the airline on your behalf. These claims are filed to recover the money we have paid you.

It also authorizes us to file lawsuits on your behalf if necessary.

You authorize both Us and the companies to which we delegate this function.

3.5. Coverage Content:

3.5.1. Baggage Search and Location

If during your trip, the airline loses your luggage or delays its delivery:

• We will assist you in the search and location process, and
• We will inform you about how to submit the claim to the airline.

3.5.2. Loss, Damage and Theft of Checked Baggage

We will compensate you up to the limit corresponding to the contracted modality.

For each item, we will deduct 10% of the purchase price for each year of age. We apply this reduction as a consequence of use and wear.

In what cases will we compensate you?

• When the airline permanently loses your checked baggage or causes serious damage to it.
• When your luggage or part of it is stolen while checked in.

In order for us to compensate you, you must send us:

• A detailed and itemized list of lost, damaged, or stolen items. You must also provide the purchase date of each item.
• the baggage check-in tag
• the proof of loss or damage issued by the airline (PIR)
• the document that indicates the airline's decision regarding your case (whether you have been compensated or not, and how much you have been compensated)
• In case of theft, the complaint made to the police or relevant authorities in the place where it occurred.

We will only compensate for amounts that have not been paid by the airline.

We will not compensate for:

• Theft or simple loss of luggage
• Unchecked baggage,
• the component parts or accessories of an object (for example, the lens cap of a camera),
• electronic and digital equipment,
• money, jewelry,
• documents.

3.5.3. Theft of valuables

We will compensate you up to the limit corresponding to the contracted plan.

In what cases will we compensate you?

If during your trip your valuables:

• are stolen or
• They are damaged because people try to steal them.

What are valuables? Jewelry, watches, objects of precious metals, furs, paintings, works of art, silver and goldsmithing in precious metals, unique objects, cameras and radio accessories, for recording or reproducing sound or image, as well as their accessories, all kinds of computer equipment, mobile phones, model kits and remote-controlled accessories.

In order for us to compensate you, you must send us the police report filed with the appropriate authorities in the area where the theft or attempted theft occurred. This report must include a list and the approximate value of the stolen or damaged items.

We will not compensate for:

• Theft or simple loss
• Theft of items from a vehicle or tent
• the component parts or accessories of an object, independently (for example, the mobile phone charger)
• any damage that may occur due to theft or attempted theft, nor because third parties make improper use of the stolen objects.

3.5.4. Baggage Delay

If the carrier is late in delivering your checked baggage, we will pay up to the limit corresponding to the contracted modality.

In what cases will we pay? When the delay is longer than 12 hours or an overnight stay occurs.

What expenses will we pay? Expenses for the necessary purchase of clothing and essential hygiene items.

In order for us to cover these expenses, you must send us:

• Copies of the expense invoices and proof of payment. The invoices or proof of payment must include a detailed list of the items.
• the baggage check-in tag
• the proof of delay issued by the transport company (PIR)
• The proof of delivery from the transport company stating that your luggage has been delivered. This document must indicate the date and time it was delivered.

We reserve the right to request the originals if we deem it necessary. If the carrier declares your baggage as definitively lost, we will deduct the amount paid from the compensation we pay you for “Loss, damage and theft of baggage”. We will not pay these expenses when the delay or the purchases are in the province where you have your usual residence.

3.5.5. Loss or Theft of Travel Documents

If during your trip you lose your travel documents or they are stolen, we will pay the expenses you incur to obtain new documents wherever you are. We will pay up to the limit corresponding to the contracted plan.

In what cases will we pay? When lost or stolen travel documents are:

• bank cards, bank checks or traveler's checks,
• passport or national identity document,
• visas

What expenses will we pay?

Administrative expenses for managing, obtaining, and replacing lost or stolen documents. These documents must be essential for continuing your trip.

In order for us to pay you, you need to send us:

• the receipts for the payment of expenses.
• the report of the theft or loss of the documents made to the police or relevant authorities.

We will not pay for any inconvenience caused by the loss or theft of travel documents, or by their misuse by third parties.

3.5.6. Information on procedures for cancelling cards

We will inform you of the steps you need to take to cancel a bank or non-bank card if you lose it or it is stolen. The card must have been issued by a third party in Spain.

3.5.7. Shipping of personal items

We will arrange and pay for the shipping of personal items needed for your trip when:

• may have forgotten them at their usual address
• may have forgotten them at the place of His Journey
• have recovered after a robbery and you have already returned to your usual residence.

The personal items needed for the trip are: contact lenses, prosthesis, glasses, credit cards, driver's license, ID card and passport. We will send them to the place where you are (your travel destination or usual address, as the case may be). We will pay for the shipping of a package up to 10 kg.

3.5.8. Reimbursement of baggage shipping costs to the usual address

We will pay the shipping costs for your luggage to your usual address. up to the limit corresponding to the contracted modality.

When will we pay these expenses? If we have transferred you to your usual residence under the “Medical transfer of the sick and injured” guarantee and you are unable to take care of your luggage yourself.

In order for us to reimburse you for these expenses, you must provide us with a copy of the invoice and proof of payment. We reserve the right to request the original if we deem it necessary. We will only pay for standard shipping costs (not for express, special, or similar services).

4. Travel Assistance Services.

4.1. What Your Policy Covers

We will provide you with the following services should you need them during your trip:

• Information Service
• Administrative management and advance payment for hospital expenses abroad
• Legal information service
• Advance payment of the amount of the criminal bail required abroad
• Payment of legal assistance expenses abroad
• Reimbursement of administrative expenses for visa extension
• Assistance service for returning to your usual residence
• Compensation to pay for the Course
• Communication expenses

4.2. What Your Policy Does Not Cover

Important Information Here we indicate the exclusions relating to this warranty. You should also consult the General Exclusions which refer to all the guarantees of the policy.

4.3. Procedures in case of an accident

What you should do before and during your request for assistance: You must follow the instructions we give you and provide us with the information we request.

24-HOUR TRAVEL ASSISTANCE

Phone

900 903 326 (from Spain)
(+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location, and contact telephone number. Please inform us of your circumstances and the type of assistance you need.

4.4. Documentation that you must provide us:

• Copies of the invoices for expenses and proof of payment. We reserve the right to request the originals if we deem it necessary.
• Any document that we request from you in order to manage your case.

4.5. Coverage Content:

4.5.1. Information Service

We offer you an information service 24 hours a day, every day of the year.

What kind of information can we provide you?

• Tourist information,
• information on administrative formalities,
• Medical information on vaccines and medical requirements for travel,
• information on travel conditions and local living conditions,
• information on means of transport, accommodation, restaurants, shopping centers, leisure centers and other similar places,
• Information related to the vehicle such as workshops, gas stations, insurance companies.

4.5.2. Administrative management and advance payment of hospital abroad

If you need to be admitted to a medical center during your trip, we will help you manage the necessary administrative procedures. If they also request a payment guarantee and/or an advance payment, we will advance you up to the limit corresponding to the contracted modality if you have no other means to do so. In all cases, we will require some type of guarantee or payment assurance to advance you the money.

4.5.3. Legal Information Service

We offer you a legal information service during your trip.

What type of information can we provide you?

• Information on lawyers and legal experts closest to your location.
• Information about embassies and consulates.
• Telephone medical interpreter service in the main languages (Spanish, English, French, German).

Service hours: 24 hours a day, every day of the year.

4.5.4. Advance payment of the amount of the criminal bail required abroad

If during your trip abroad you need to pay a criminal bail, we will advance you up to the limit corresponding to the contracted modality. The reason for this bail must be that you have been imprisoned or prosecuted for a traffic accident abroad. In all cases we will require some type of guarantee or payment guarantee to advance you the money.

4.5.5. Payment of legal assistance expenses abroad

If during your trip abroad you have a traffic accident and need legal assistance, we will pay up to the limit corresponding to the contracted modality.

What expenses will we pay? The attorney and solicitor fees that you need.

If you already have this coverage in your vehicle insurance policy, we consider this payment an advance. When you receive payment from your vehicle insurance company, you will need to reimburse us the amount we have advanced you.

4.5.6. Reimbursement of administrative expenses for visa extension

We will pay the issuance fees and taxes you have to pay for the extension of your visa. up to the limit corresponding to the contracted modality.

In what case will we pay you? When you have suffered an event covered by this insurance that requires you to prolong your stay and extend the validity of your visa.

4.5.7. Assistance service for returning to the usual residence

We offer you an information and advice service if you have to return urgently and unexpectedly to your usual residence.

When can we help you?

• If a dangerous situation arises in the place where you are that puts your physical safety at risk and
• This dangerous situation is declared as such by:
  • The authorities of the country where you are located or
  • The Spanish Ministry of Foreign Affairs and
• Authorities recommend returning to your usual residence

How can we help you? We will inform you about how you can change your ticket or buy a new one. We will handle these matters on your behalf if you request it. In this case, We are subject to availability; we cannot guarantee an exchange or the purchase of a new ticket. We will inform you about other means of transport and other routes for the journey. You will have to pay all expenses incurred due to changing the ticket or buying a new one.

4.5.8. Compensation to pay for the Course

We will compensate you up to the limit corresponding to the contracted modality so that you can pay the remaining cost of the course and complete it.

In what case will we compensate you? So that we can pay you the compensation:

1. You must be financially dependent on another person
2. That person must have died in an accident.
3. You must continue taking the course
4. The course cannot be subsidized by a scholarship or similar.

We will only reimburse the outstanding balance. If the course is fully paid, this guarantee will not apply. In order for us to compensate you, you must send us proof of:

• having enrolled in the Course and continuing to take it,
• document indicating your economic dependence on the deceased,
• death certificate indicating the cause of death.

4.5.9. Communication expenses

We will pay you up to the limit corresponding to the contracted modality for the expenses you incur in contacting us when you need assistance. These expenses include telephone calls, faxes, or similar procedures. In order for us to reimburse you for these expenses, you must send us copies of the invoices and proof of payment. We reserve the right to request the originals if we deem it necessary. The invoices or proof of payment must include a detailed breakdown of the charges.

5. Civil Liability

5.1. What Your Policy Covers

If during your trip you are responsible for causing damage to a third party, we will pay compensation. up to the limit corresponding to the contracted modality.

What compensation will we pay? We will pay the financial compensation as established in Spanish law (articles 1902 to 1910 of the Civil Code) or equivalent foreign laws. This includes compensation, payment of court costs and expenses, and court bonds. These compensations are those that you have to pay as the person responsible for bodily injury or property damage caused unintentionally to people, animals or things.

We will not pay when damages are caused to you, the Policyholder, or any other insured parties under this Policy. Nor will we pay to the following persons whose relationship with any of them is:

• Spouse or common-law partner
• Ascendants or descendants
• Any family member living in the same household
• Partners or employees.
• Anyone who has any kind of dependence on them.

5.2. What Your Policy Does Not Cover

Important Information Here we indicate the exclusions relating to this warranty. You should also consult the General Exclusions which refer to all the guarantees of the policy.

The following are excluded:

• Any responsibility that may be incumbent upon you for driving motor vehicles, aircraft or watercraft, or for the use of firearms.
• Civil liability for professional, trade union, political or association activities.
• Any responsibility for the practice of dangerous or high-risk sporting activities.
• Fines or penalties imposed by a Court or Authority.
• Damage to objects entrusted to you.

5.3. Procedures in case of an accident

What you should do before and during your request for assistance:

1. You must inform us in writing of any incident that could give rise to a claim as soon as possible.
2. You must send us any document as soon as you receive it.

24-HOUR TRAVEL ASSISTANCE

Phone

900 903 326 (from Spain)
(+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location, and contact telephone number. Please inform us of your circumstances and the type of assistance you need.

Documentation that you must provide us:

• Proof of payment of expenses We will request the original if we deem it necessary.
• Proof of the event (for example, a third-party claim, police report, accident report or injury report)
• Any document that we request from you in order to manage your case.

6. Accident Insurance

6.1. What Your Policy Covers

BENEFIT INSURED BY EUROP ASSISTANCE IRISH BRANCH, with its principal place of business at Central Quay, Ground Floor, Block B, Riverside IV, Sir John Rogerson's Quay, Dublin 2, D02 RR77, Ireland, registered in the Irish Companies Register under number 907089 The Policyholder and/or the Insured may consult the General Conditions of this Group Accident Insurance policy by requesting it from Europ Assistance SA Branch in Spain, Paseo de la Castellana, 130, 28046, Madrid.

6.1.1. Death by accident

• Up to the economic limit corresponding to the contracted modality.

The Insurer guarantees payment of the established sum insured when, as a result of a covered accident, the Insured dies instantly or, due to the evolution of the injuries suffered, within one year from the date of the accident. For children under 14 years of age or legally incapacitated, the death benefit refers exclusively to the expenses of effectively justified funeral expenses, which in no case may exceed the sum insured for this coverage or at most the amount of €3,000. The amount of benefits paid for permanent disability, as a result of the same accident, is deducted from the benefits payable for death due to the same accident.

6.1.2. Permanent disability

• Up to the economic limit corresponding to the contracted modality.

The Insurer guarantees payment of the established insured sum when the Insured becomes Absolutely Permanently Disabled, which completely disables him from any profession or trade.

For these purposes, the risk of permanent total disability will only be considered to have occurred, after prior recognition of the same by means of a Resolution of the competent Administrative Body of Social Security or a final Judicial Resolution.

Limitation to coverage for partial and/or total permanent disability

In the event of an accident covered by the policy and affecting the partial and/or total permanent disability guarantee, the compensation will be reduced by the same percentage of disability suffered by the Insured prior to the date of the accident. Accidents resulting directly from such pre-existing disabilities are completely excluded.

Scale for coverage of partial and/or total permanent disability

The disability percentages considered for Right and Left are based on a right-handed person. Therefore, if the insured is left-handed, which they must duly prove, the aforementioned percentages will be reversed. Partial anatomical limitations and losses will be compensated proportionally to the total loss of the affected limb or organ. Absolute functional impairment of a limb or organ will be considered as a total loss of that limb or organ. In cases of disability not covered by the scale, the amount of the benefit is determined by analogy, proportionally to its severity, according to a medical opinion issued by a Specialist in the assessment of bodily injury.

The degree of disability to be taken into account, when the same accident causes various anatomical or functional losses, will be calculated by adding the percentages corresponding to each of them without said degree being able to exceed one hundred percent (100%).

If the disability resulting from an accident is aggravated by a pre-existing defect, mutilation or functional limitation, the percentage of compensation will be the difference between that of the pre-existing disability and that which results after the accident.

In the event of permanent partial disability suffered by the Insured as a result of an accident covered by the policy, which leaves residual injuries requiring orthopedic prostheses, the Insurer will pay the amount of the first prosthesis made for the Insured, up to the amount of €600.

6.1.3. Maximum compensation per claim in case of death due to accident and/or permanent disability

The maximum compensation per claim, in each group policy, will be that indicated for the option contracted. regardless of the number of insured parties affected by the same loss. If this limit is exceeded, the compensation will be distributed proportionally based on the insured capital for each affected party and the number of insured parties affected.

6.1.4. Scope of coverage

The Insurer guarantees up to the fixed sum, subject to the exclusions indicated in the General Conditions, the payment of compensation that may correspond in case of death or permanent disability as a result of accidents that occur to the Insured during trips and stays away from their usual residence.

• 24-hour coverage. The Insurer guarantees the payment of the compensation provided for arising from a bodily accident, covered by the policy, occurring both in private life and in the exercise of the profession.
• Coverage for accidents on public transport. The amounts resulting from a bodily injury covered by the policy, occurring while the insured is traveling as a passenger on public transportation, are guaranteed up to the sum insured. Coverage extends to accidents occurring while the insured is boarding or disembarking the transportation, as well as those occurring at stations, airports, or boarding terminals for said transportation.

6.1.5 INDEMNIFICATION CLAUSE BY THE INSURANCE COMPENSATION CONSORTIUM FOR LOSSES ARISING FROM EXTRAORDINARY EVENTS IN PERSONAL INSURANCE

In accordance with the provisions of the consolidated text of the Legal Statute of the Insurance Compensation Consortium, approved by Royal Legislative Decree 7/2004, of October 29, the policyholder of an insurance contract that must necessarily include a surcharge in favor of the aforementioned public business entity has the power to agree to the coverage of extraordinary risks with any insurance entity that meets the conditions required by current legislation.

Compensation arising from losses caused by extraordinary events occurring in Spain or abroad, when the insured has their habitual residence in Spain, will be paid by the Insurance Compensation Consortium when the policyholder has paid the corresponding surcharges in their favor and one of the following situations occurs:

1. That the extraordinary risk covered by the Insurance Compensation Consortium is not covered by the insurance policy contracted with the insurance entity.
2. That, even though covered by said insurance policy, the obligations of the insurance entity could not be fulfilled because it had been judicially declared bankrupt or because it was subject to a liquidation procedure intervened or assumed by the Insurance Compensation Consortium.

The Insurance Compensation Consortium will adjust its actions to the provisions of the aforementioned legal Statute, Law 50/1980, of October 8, on Insurance Contract, the Regulation of extraordinary risk insurance, approved by Royal Decree 300/2004, of February 20, and the supplementary provisions.

Summary of legal regulations

1. Extraordinary events covered

1. The following natural phenomena: earthquakes and tsunamis; extraordinary floods, including those caused by sea surges; volcanic eruptions; atypical cyclonic storms (including extraordinary winds with gusts exceeding 120 km/h and tornadoes); and falls of celestial bodies and meteorites.
2. Those caused violently as a consequence of terrorism, rebellion, sedition, riot and popular tumult.
3. Acts or actions of the Armed Forces or of the Security Forces and Corps in peacetime.

Atmospheric and seismic phenomena, volcanic eruptions, and the fall of celestial bodies will be certified, at the request of the Insurance Compensation Consortium, by means of reports issued by the State Meteorological Agency (AEMET), the National Geographic Institute, and other competent public bodies. In cases of events of a political or social nature, as well as in the event of damage caused by acts or actions of the Armed Forces or the Security Forces or Corps in peacetime, the Insurance Compensation Consortium may request from the relevant bodies... We will provide the competent jurisdictional and administrative authorities with information about the events that occurred.

2. Excluded risks

1. Those that do not give rise to compensation under the Insurance Contract Law.
2. Those caused to persons insured by insurance contract other than those in which the surcharge in favor of the Insurance Compensation Consortium is mandatory.
3. Those produced by armed conflicts, even if there has been no official declaration of war beforehand.
4. Derivatives of nuclear energy, without prejudice to the provisions of Law 12/2011, of May 27, on civil liability for nuclear damage or damage caused by radioactive materials.
5. Those produced by natural phenomena other than those indicated in section 1.a) above and, in particular, those produced by the rise in the water table, movement of slopes, landslides or settlement of land, rockfalls and similar phenomena, unless these were clearly caused by the action of rainwater which, in turn, had caused an extraordinary flooding situation in the area and occurred simultaneously with said flooding.
6. Those caused by tumultuous actions produced during meetings and demonstrations carried out in accordance with the provisions of Organic Law 9/1983, of July 15, regulating the right of assembly, as well as during the course of legal strikes, unless the aforementioned actions could be classified as extraordinary events of those indicated in section 1.b) above.
7. Those caused by bad faith on the part of the insured.
8. Those corresponding to claims occurring before the payment of the first premium or when, in accordance with the provisions of the Insurance Contract Law, the coverage of the Insurance Compensation Consortium is suspended or the insurance is extinguished due to nonpayment of premiums.
9. Disasters that, due to their magnitude and severity, are classified by the Government of the Nation as a “national catastrophe or calamity”.

3. Extension of coverage

1. Coverage for extraordinary risks will extend to the same persons and the same insured sums as those established in the insurance policies for the purpose of covering ordinary risks.
2. In life insurance policies that, according to the contract and in accordance with the regulations governing private insurance, generate a mathematical reserve, the coverage provided by the Insurance Compensation Consortium will refer to the capital at risk for each insured party, that is, the difference between the sum insured and the mathematical reserve that the issuing insurance company is required to have established. The amount corresponding to the mathematical reserve will be paid by the aforementioned insurance company.

4. Notification of damages to the Insurance Compensation Consortium The request for compensation for damages whose coverage corresponds to the Insurance Compensation Consortium, will be made by communication to it by the policyholder, the insured or the beneficiary of the policy, or by whoever acts on behalf of and in the name of the above, or by the insurance entity or the insurance intermediary with whose intervention the insurance was managed.

1. Reporting damages and obtaining any information relating to the procedure and the status of claims processing may be done:
   • By calling the Telephone Assistance Center of the Insurance Compensation Consortium (952 367 042 or 902 222 665).
   • Through the website of the Insurance Compensation Consortium (www.consorseguros.es).
2. Assessment of damages: The assessment of damages that are compensable under insurance legislation and the content of the insurance policy will be carried out by the Insurance Compensation Consortium, without the latter being bound by the assessments that, where appropriate, may have been carried out by the insurance entity that covered the ordinary risks.

5. Payment of compensation: The Insurance Compensation Consortium will make the payment of the compensation to the insurance beneficiary by bank transfer.

6.2. What Your Policy Does Not Cover

Important Information Here we indicate the exclusions relating to this warranty. You should also consult the General Exclusions which refer to all the guarantees of the policy.

1. In general, the Insurer will not cover the following accidents, illnesses or injuries, or their consequences:

1. Those occurring before the effective date of the policy, even if they manifest themselves during its validity, nor those manifested after 365 days have elapsed from the date of the loss.
2. Damages caused by events or phenomena that are covered by the Insurance Compensation Consortium, according to the legislation in force at any given time.
3. Accidents that occur in the exercise of a professional activity, except those of a commercial, artistic, or intellectual nature that do not require physical or intellectual effort.

2. Claims that are a consequence of or arise from the following are excluded:

1. Those intentionally caused by the Insured or the Policy Beneficiaries. If there are several beneficiaries, those not involved will retain their full right to the entire insured capital.
2. Reckless imprudence, gross negligence and/or participation of the Insured in bets, challenges, duels, fights or criminal acts, except as indicated in letter d) of the section Consideration of Accident of the PRELIMINARY Art.
3. The professional practice of any sport. As well as the amateur practice of: water sports more than 3 km from the shore or coast; scuba diving to a depth of more than 20 meters; aerial activities and parachuting; motor racing, motorcycling, and speed competitions; climbing, high-altitude mountaineering, and caving; horse riding and polo; boxing, wrestling, and martial arts; ice skating, ice hockey, and skiing; big game hunting outside of Spain; bullfighting and running of the bulls; as well as any other sport or activity whose risk may be considered similar to those mentioned.
4. Driving motor vehicles if the Insured is not in possession of the corresponding administrative authorization.
5. Food or drug poisoning.
6. Injuries that are a consequence of surgical interventions or medical treatments that were not caused by a covered accident.
7. Nuclear reaction or radiation and radioactive contamination, except for the consequences of treatments applied to the Insured for a covered accident.
8. The rescue of people in mountains, seas, jungles or deserts. Sunstroke, frostbite and other consequences of weather conditions not caused by a covered accident.
9. Accidents suffered by the Insured while intoxicated, that is, when the blood alcohol level is higher than that established by the regulations in force at the time of the accident or under the influence of toxic drugs or narcotics.
10. Bodily injuries resulting from an accident covered by the policy that have not manifested or been proven within 365 days following the date of the accident.
11. Injuries resulting from illness, cerebrovascular conditions, epilepsy, mental alienation, syncope.
12. Heart attack, unless declared as a work-related accident by the competent labor authority. In order to be compensated as a result of a myocardial infarction, it is required that this was the sole and immediate cause of death or disability.
13. High myopia.
14. If the consequences of an accident are aggravated by a pre-existing illness or condition, or by a condition that arises after the accident but is independent of the accident itself, the Insurer is only liable for the consequences the accident would have had without the aggravating influence of such illness or condition. If it is not possible to determine the degree to which the pre-existing injuries or conditions contributed to the resulting disabilities, it will be understood that they contributed 50% to the accident.
15. Accidents resulting directly from a pre-existing disability.

3. Under no circumstances will coverage apply, even if they result from a covered accident, to hernias of any kind, lumbago, cervicalgia and dorsalgia of any etiology, varicose veins, aneurysms; cerebrovascular accidents unless they are a direct consequence of an accident covered by the policy, and all pains whose cause cannot be objectively determined by the usual diagnostic means.

Uninsurable persons

1. Unless expressly agreed otherwise, the insurance shall be null and void:

1. For people suffering from blindness or severe myopia (more than 12 diopters), complete deafness, paralysis, epilepsy, mental alienation, alcoholism, and those who have suffered strokes or “delirium tremens”. However, the Insurer may accept, by express agreement, coverage for persons affected by any of the injuries, chronic illnesses or physical or mental disabilities indicated above. Should the illnesses or circumstances listed in the preceding paragraph appear after the policy has taken effect, the Insured must immediately inform the Insurer, who, if they do not accept the continuation of the policy, will reimburse the portion of the premium corresponding to the unused period of the current annuity, from the date of notification.
2. For persons whose age at the time of the incident is 70 years or older.

2. Unless otherwise agreed, at the end of each insurance period, those who have reached seventy years of age during that period will be removed as insured persons. However, the Insurer may, at its discretion, accept policyholders over 70 years of age to remain insured, subject to the terms permitted by its underwriting regulations. In these cases, premiums, coverage, and insured amounts may be subject to change.

3. For persons who, on the effective date of the policy, are in a situation of temporary incapacity, or processing the application for declaration before any body or organ of the Social Security or, where appropriate, before the competent body of the autonomous community, of the situation of Partial Permanent Incapacity for the usual profession, of Total Permanent Incapacity for the usual profession or of Absolute Permanent Incapacity for all work or of Great Incapacity.

6.3. Procedures in case of an accident

What you should do before and during your request for assistance: You must contact us and follow our instructions. We will let you know what documentation we need to process your case.

Phone

24-HOUR TRAVEL ASSISTANCE 900 903 326 (from Spain) (+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location, and contact telephone number. Please inform us of your circumstances and the type of assistance you need.

General exclusions

Important notice You will not be covered by this Policy if you travel to a country, region or area that a government authority in your country of residence has recommended against traveling to, or only to travel to if absolutely necessary.

Unless expressly included in the corresponding coverage, the following damages, situations, expenses and consequences arising from the following are excluded from the insured guarantees:

1. Events that occurred prior to the start of the Policy.
2. Fraudulent acts of the Insured, Policyholder and/or beneficiaries of the Policy.
3. Pre-existing or chronic illnesses, injuries or conditions suffered by you before the contracting of the Policy that manifest themselves during the Trip and require medical assistance for this reason.
4. Mental illnesses, preventive medical check-ups, thermal cures, cosmetic surgery and those cases in which the purpose of the trip is to receive medical treatment or surgical intervention, alternative medicine treatments (homeopaths, naturists, etc.), expenses derived from physiotherapy and/or rehabilitation treatments as well as those related to these.
5. Their suicide, attempted suicide, or self-harm.
6. Epidemics; Pandemics; infectious diseases of sudden onset, large scale, and rapid spread within the population. Quarantines resulting from any of the causes described are also excluded.
7. Diseases caused by air pollution and/or contamination.
8. Diseases or accidents resulting from the consumption of alcoholic beverages, narcotics, drugs or medicines, unless the latter have been prescribed by a doctor.
9. The diagnosis, monitoring and treatment of pregnancy, voluntary termination of pregnancy and childbirth, except when it involves urgent care and always before the 26th week of gestation.
10. The medical transfer of sick or injured persons due to conditions or injuries that can be treated “in situ”.
11. Voluntary waiver, delay or advance by you of the health transfer proposed by us and agreed by our medical service.
12. Expenses for glasses and contact lenses, as well as the acquisition, implantation replacement, extraction and/or repair of prostheses (understanding prosthesis as any element that replaces or restores the functionality of an organ or part of the body), anatomical pieces, osteosynthesis material and orthopedic material with a cost exceeding 100 euros.
13. Endodontics, aesthetic reconstructions of previous dental treatments, prostheses, crowns and dental implants.
14. In case of cancellation of the Trip, any non-serious illness is excluded, except those expressly covered.

15) Reimbursement of medical, surgical and pharmaceutical expenses amounting to less than 50 euros is specifically excluded.

16) Rescue of people in mountains, caves, sea or desert.

17) Acts of reckless imprudence or gross negligence; expenses arising from criminal acts and from your participation in bets, challenges, or fights, except in cases of self-defense and/or when your life is at risk.

18) Consequences arising from driving vehicles on roads that are not ordinary or not suitable for traffic.

19) Your participation as a professional in any sporting activity.

20) The consequences arising from the practice of winter sports.

21) The practice of any sporting and/or adventure activity, professionally or for which remuneration is received (including training). These practices are also excluded when the Insured participates in official or federated competitions. Also excluded as an amateur is the practice of any dangerous or high-risk sport or recreational activity, such as those listed below or similar:

• Driving motor vehicles in races or rallies
• Driverless motorboats
• Trail, Quad and ATV motorcycle excursions
• Boxing, weightlifting, wrestling (in its various forms), martial arts
• Mountaineering of any kind, via ferrata, climbing, glacier access, caving, rafting, hydrospeeding, canyoning, abseiling, deep water soloing, whitewater kayaking, busbob, hydrobob, ultratube
• Any sport performed at altitudes above 3,500 meters
• Water sports, underwater sports and scuba diving; canyoning, water skiing, spearfishing, cave diving, surfing, kite surfing / fly surfing, bodyboarding, jet skiing, barefoot sailing
• Free ride, downhill biking, free ride mountain biking, ultratrails, duathlon, triathlon, roller skiing on mountain roads, half pipe
• Slackline, highline, rap jumping, bungee jumping, cliff jumping, coasteering, parkour
• Kite buggy, parasailing
• Canicross
• Hunt
• Horse riding, polo, ice hockey
• Air sports in general (such as skydiving, paragliding, hang gliding, ballooning, hot air ballooning, free flight, gliding or similar)
• Bullfighting, bull-running, running of the bulls and any participation in bullfighting shows;

In general, any sport or recreational activity that is clearly dangerous or high risk is excluded.

22) Theft or simple loss of objects, money, jewelry, documents and theft of luggage or personal items found in vehicles or tents.

23) We will not indemnify separately the parts that make up an object or its accessories

24) We will not compensate for damages resulting from the loss or theft of the aforementioned valuables or their misuse by third parties.

25) Reimbursement of passport issuance costs is excluded if no proof issued by the consulate of the country where the loss occurred is presented.

26) Overbooking, except for what we indicate in the coverage “Travel delay due to overbooking on air transport”.

27) Compensation for delays caused by non-scheduled flights is excluded.

28) Any consequence of your failure to check in at the point of departure when you should have done so.

29) Any cause that requires you to cancel the contracted trip is expressly excluded if it is not described as a covered cause in the corresponding article.

30) Failure to present or forgetting the necessary travel documents, such as passport, visa (except for non-granting for unjustified reasons), tickets or cards and/or that they are expired.

31) Any weather circumstance that implies not being able to carry out the activity planned for the Trip, except for the coverage of official declaration of catastrophic zone.

32) Wars, demonstrations, insurrections, popular tumultuous movements, acts of terrorism, sabotage and strikes, whether or not officially declared.

33) The transmutation of the nucleus of the atom, as well as the radiations caused by the artificial acceleration of atomic particles.

34) Earthquakes, floods, volcanic eruptions, and, in general, those resulting from the unleashing of natural forces. Any other extraordinary catastrophic phenomenon or event I am lying that, due to their magnitude or severity, they are classified as a catastrophe or calamity.

35) Their desire not to travel or not to be enjoying their trip.

36) Any person who is not listed as the Insured in the Policy.

37) Failure to comply with the laws or regulations in force at the time the event occurs.

Important clarification

The purpose of this policy is to cover only the insured persons. Please ensure that all passengers have insurance coverage that meets their needs.

This includes cases where you have paid for additional costs. For example, you have paid for your accommodation and that of another person who is not insured. If we have to pay for these expenses, we will only reimburse you for the portion that corresponds to you.

The only exception is if you suffer an Accident or Unforeseen Illness during the Trip and Our medical service authorizes that a person stay with you.

Payment and cancellation of the Policy

1. Policy Payment

Premium payment

The policyholder is obliged to pay the premium at the time of formalizing the policy. In any case, if the premium has not been paid before the Loss occurs, we would be released from our obligations.

2. Non-payment of the Policy

Non-payment of the premium

In the event of non-payment of the premium, the coverage will not take effect and we will be able to:

• demand payment;
• Cancel your policy with immediate effect;
• deny payment of any outstanding claim you may have;
• Send your policy details to our collection agencies so they can recover the money on our behalf and record the outstanding debt.

3. Cancellation rights

3.1. Our rights to cancel the Policy

We reserve the right to cancel your policy in any of the following circumstances:

1. If you make a fraudulent request for assistance, compensation or payment of expenses.
2. If you are involved or have been involved in criminal or illegal activities.
3. If your behavior towards our employees or borrowers or the language you use with them is threatening or offensive.
4. If you do not pay the premium.
5. If you intentionally act falsely.

In none of the cases indicated will we refund the premium.

3.2. Your rights to cancel the Policy

The policyholder may request cancellation of the policy before it takes effect. Once it has taken effect, cancellation is only permitted if:

• The insurance lasts for more than 30 days and
• If you cancel within the first 14 days from the policy start date.

If you request cancellation of your policy as indicated above, once we accept your request, the policy will be cancelled on the date you requested it from us.

In this case you are entitled to a refund of the premium or the proportional part of the unused premium.

4. Claims

We want to offer you the best service. However, if you are not satisfied, we offer a Complaints Service, the rules of which can be found on our website. www.generali.es that complies with transparency and customer protection regulations. The policyholder, insured persons, beneficiaries, injured third parties, or their legal representatives may submit complaints and claims related to their legally recognized interests and rights by writing to the Complaints and Claims Service. The written complaint must include their personal information, signature, address, policy or claim number, and a description of the facts giving rise to the complaint or claim, and should be sent to the following address:

4.1. What information should you provide when contacting us?

• Your name, full address, telephone number, and email address (if you have one)
• Your Policy or File Number
• The reason for your claim.
• Copy of any relevant document

4.2. How will we handle your complaint?

We commit to

• Acknowledge receipt of your claim as soon as possible;
• Make the necessary inquiries;
• Resolve your claim within the legally prescribed timeframe;
• Use the information contained in your complaint to improve our services.

4.3. What if you are not satisfied?

If you are not satisfied with our final response, you can contact the Complaints Service of the Directorate General of Insurance and Pension Funds.

The contact details are:

4.4. Legislation and jurisdiction

You as the Insured and We as the Insurer submit to Spanish legislation and jurisdiction for the purposes of this Policy.

The competent judge for the recognition of actions arising from the Policy will be the one of His Usual Domicile (that of the Insured).

4.5. Control

We, GENERALI ESPAÑA SA DE SEGUROS Y REASEGUROS, are a Spanish insurance company whose administrative control body is the Ministry of Economy and Competitiveness, through the Directorate General of Insurance and Pension Funds, responsible for controlling insurance activity and protecting the freedom of policyholders to decide on insurance contracts and maintaining contractual balance in existing insurance contracts.

Coverage and limits

1. Student

2. COVID-19 Coverage

2.1. Assistance

We consider COVID-19 like any other illness. Therefore, our Assistance coverage includes COVID-19 as just another illness. However, we exclude the consequences of movement restrictions as a result of the Covid pandemic (lockdowns, border closures, state of emergency, general quarantines, etc.).

The maximum amount of expenses we pay in each case is that indicated in the affected guarantees of the contracted modality.

2.1.1. What Your Policy Covers

Important Clarification

You will be entitled to the coverages indicated, provided they are included in the policy you have purchased. Some of the coverages described below may not be included in your policy, and therefore you will not be entitled to them.

Please read your policy carefully.

• Medical/hospital assistance if you become ill with COVID-19
• Diagnostic test (PCR) to confirm COVID-19 infection if:
  • You are experiencing symptoms
  • You have no symptoms, but you are required to test positive at a hospital or medical center for treatment of another illness or accident.
• Return transfer to your home if you cannot return by the means provided because you have been ill with COVID-19
• Transfer of mortal remains if you die from COVID-19. Provided there are no legal, governmental or health-related impediments.
• Extension of hotel/accommodation stay if you are ill, but do not require hospitalization Hotel stays must be prescribed by a doctor.
• Early return if a direct relative of yours:
  • Dies from COVID-19 or
  • He is hospitalized with COVID-19

2.1.2. What Your Policy Does Not Cover

• Transfer back to your usual residence if you are not ill, but cannot return by the means provided for due to the pandemic situation (border or airport closures, flight cancellations, for example).
• Extension of hotel stay if you are not ill, even if the authorities have ordered you to be confined or have restricted mobility.
• Early return if a direct family member of yours is ill with COVID-19 in an asymptomatic way or with a disease process that does not require hospitalization.
• Cost of diagnostic test (PCR):
  • If you have no symptoms,
  • unless it is required in order to treat you for any other illness or accident or
  • if the authorities of the country where you are located request it after you have completed your COVID-19 quarantine or have recovered from the disease.
• The resort/hotel where you are staying is placed under complete quarantine.

These General Terms and Conditions have been drafted in a simplified manner to make them as easy to understand as possible. Please read them carefully and ask your Mediator or any of the following for any clarifications you may need:

Generali branches.

www.generali.es

GENERALI ESPAÑA, SA DE SEGUROS Y REASEGUROS. Registered Office: c/ Orense, nº 2. 28020 MADRID. Tax ID: A-28007268. Madrid Commercial Registry. Volume 24,758, Folio 179, Section 8, Sheet M-54,202, Entry 1,161.