Insurance Conditions regarding

the Travel Policy

Mod 403/ Q/ QSP/ QP – April 2023

Internal use
Confidential
 www.generali.ro

Confidential
 Insurance Conditions
regarding the Extreme Sports

Contents:
page

Definitions .......................................................................................................................................................................... 3
GENERAL INSURANCE CONDITIONS (applicable to all insurance options)….…………………………………..5
Article 1. General provisions. .................................................................................................................................................. 5
Article 2. Object of the insurance. Insured risks. .................................................................................................................... 5
Article 3. Insurance start and end date ................................................................................................................................... 5
Article 4. Purpose of the travel. ............................................................................................................................................... 5
Article 5. Territorial validity. ..................................................................................................................................................... 6
Article 6. Insurance premium. ................................................................................................................................................. 6
Article 7.Insured amounts, limits, sub-limits or insured benefits through the Insurance Contract. ......................................... 6
Article 8. General exclusions. ................................................................................................................................................. 6
Article 9. Obligations of the Contractor/Insured in case the insured event occurs. ................................................................ 7
Article 10. Settlement and payment of the insurance premium. ............................................................................................. 8
Article 11. Limitation of the number of travel insurance policies. ............................................................................................ 9
Article 12. Means of execution or of termination of the insurance contract. ........................................................................... 9
Article 13. Annulment of the insurance contract by the Contractor/Insured. ........................................................................ 10
Article 14. Other general provisions. ..................................................................................................................................... 10

PARTICULAR INSURANCE CONDITIONS REGARDING THE INSURANCE FOR EMERGENCY

MEDICAL
CARE IN CASE OF ACCIDENT OR ILLNESS (referred to hereinafter as the “Particular
Conditions”) ........................................................................................................................................................................... 10
Article 1. Insured risks........................................................................................................................................................... 10
Article 2. Insured events .......................................................................................................................................................11
Article 3. Specific exclusions................................................................................................................................................. 12
Article 4. Insurance options................................................................................................................................................... 13

ADDITIONAL COVERAGE (valid depending on the coverage option and only if they are mentioned in the Policy). 13
Article 1. Additional coverage regarding the Legal Liability Insurance ................................................................................. 13
Article 2. Additional coverage regarding the loss or theft of documents .............................................................................. 14
Article 3. Additional coverage regarding the cancellation of the travel (STORNO) .............................................................. 14
Article 4. Additional coverage regarding the interruption (shortening) of the travel.............................................................. 16
Article 5. Additional coverage regarding the cancellation of travel tickets due to airline bankruptcy ................................... 17
Article 6. Additional coverage regarding the refusal of entry/exit at the border………………………………………………...17
Article 7. Additional coverage regarding the medical expenses necessary for the emergency treatment following the
inappropriate services provided on the plane ....................................................................................................................... 18
Article 8. Additional coverage regarding Flight Delay more than 12 hours after leaving Romania 18
Article 9. Additional coverage regarding the insurance of the Insured's luggage in case of
theft/loss/destruction/deterioration
during the transportation. ...................................................................................................................................................... 18
Article 10. Additional coverage regarding delayed luggage, for more than 12 hours ........................................................... 19
Article 11. Additional coverage regarding roadside assistance ............................................................................................ 19

Annex 1 - Activities included automatically in the basic coverage, without additional premium, only if the Insured takes
part
therein for recreational purposes ......................................................................................................................................... 20

Internal Use
Confidential
2

Confidential
 Definitions
The following definitions are adopted in these insurance conditions:

Insurer: the insurance company Generali România Asigurare Reasigurare S.A., that takes over the
insured risk, referred hereinafter as Generali. Generali is the company that concludes the
Insurance Policy with the Insured/Contractor. The identification details of Generali are
available in the Insurance Policy.
Insured person: The natural person protected by the Insurance Contract, in whose favour the insurance is
concluded, whose name is specified in the Insurance Policy.
Accident: Event owed to a fortuitous, violent and external cause, that occurs in the validity period of
the insurance, independently from the will of the Insured and which determines the personal
injury, illness or death of the Insured, endangering as such the normal continuation of the
journey.
Leisure activities: activities carried out by the Insured during the trip abroad, for recreational purposes, for fun
and social involvement, without these activities being the reason for the travel abroad;
Pre-existing an injury, illness, severe illness or their consequences, as well as any pathological or medical
medical condition manifestation resulting from an illness or accident that occurred before the date of entry into
(disease/illness): force of the insurance contract, regardless of whether the treatment has been administered
or not, for which the Insured:
a) was diagnosed, or
b) requested, received or underwent treatment or medical services, or
c) was aware of its existence, or
d) had signs/symptoms/objective manifestations which were recorded in medical
documents issued by a physician or a medical unit.
Luggage: All goods that a person takes on a travel, other than those directly
on him/her;
Chronic illness: Known medical or psychiatric condition, which has a long period of evolution or which
presents frequent relapses, requiring repeated specialized medical care. This category
includes the following diseases (the list is illustrative, not exhaustive): diabetes, high blood
pressure, chronic hepatitis, chronic pancreatitis, rheumatoid arthritis, heart failure etc. Other
chronic diseases include other conditions favoured by excessive consumption of alcohol,
toxic or narcotic substances, respectively smoking, as well as other conditions with similar
characteristics in terms of clinical evolution.
Childhood diseases: Chickenpox, rubella, measles, mumps, scarlet fever, roseola infantum (6th disease),
infectious erythema, Parvovirus B19 (5th disease).
Contractor: The adult natural person (at least 18 years of age on the policy issuing date) or the legal
person with whom Generali concludes the Insurance Contract and who has the obligation to
pay the insurance premiums. The contractor may be the insured or a person different from
Insurance contract: the
Theinsured.
bilateral legal document by which the Contractor undertakes to pay the insurance
premiums to Generali in exchange for it to take over the insured risk. The Insurance Contract
includes these insurance conditions, the insurance policy together with the annexes and
declarative documents (if any), as well as any other documents requested by Generali
regarding the assessment of the risk.
Travel service trader the legal person (specialized operator or online or offline travel agency), authorized
/provider: according to the legal provisions in force, by which the Insured has purchased and paid for
the package of travel services or independent travel services.
Insured Event: Any sudden and unexpected event caused by the occurrence of an insured risk, which
determines Generali to pay a compensation.
Family: The insured specified in the insurance policy, together with his/her life partner (spouse,
common law spouse, civil partner, fiancé/fiancée, boyfriend/girlfriend) and their children
(including adopted ones and/or in their care) not older than 18.

Franchise: the fixed amount (even expressed as a percentage of the insured amount) and/or the
percentage of the amount of the damage, which remains the exclusive responsibility of the
Insured, without him/her being able, with the risk of forfeiture of the right to compensation, to
Illness: insure
Organicit with other insurance
or functional companies.
change, occurred unexpectedly and unpredictably, of the Insured's
normal state of health, diagnosed as such by a specialist, contracted or manifested for the
first time during the validity of the Insurance and which prevents the normal continuation of
the travel.
Serious illness: The illness (as defined above) which endangers the life or physical health of the Insured
and requires the Insurer to:
1) effectively cease any and all activities,

Confidential 3
Internal use
 2) undergo a treatment under specialized medical supervision with a hospitalization for a
period of at least 2 days, or subsequent medical supervision, with the written
recommendation to rest in bed or not to leave the home, recommendation issued by a
medical institution authorized according to the legal provisions in force, and which makes the
Insured unable to travel.
The following childhood diseases are accepted as cases of serious illness: chickenpox,
rubella, measles, mumps, scarlet fever, roseola infantum (6th disease), infectious erythema,
Parvovirus B19 (5th disease).
Insurance the value with which Generali compensates the Insured/Beneficiary upon the occurrence of
Benefit: the insured risk, on the basis of the insurance policy and within the limits and terms agreed
with. Wherever the term of indemnity appears in the contractual conditions, it has the same
meaning as that of insurance benefit.
Travel service a combination of at least two types of services, from the travel services below, which last
package: more than 24 hours:
- Passenger transport, regardless of the way in which it is done (plane, train, etc.);
- Accommodation;
- Car rental;
- Any other travel service that is not part of another service mentioned above (for example:
guided tour, entrance to a concert or sporting event, rental of sports equipment etc.).
The services included in the travel service package must be purchased under a unique
contract from a single trader, or on the basis of some separate contracts from different
traders
- case in which they must be bought from a single point of sale (travel agency, call centre,
website), or they may be bought for a global price as a “package”, chosen from a variety of
travel services, bought from traders within a single reservation process.
Travelling partner: a person who travels with the Insured person, whose name is registered next to the name of
the Insured person in the same travelling arrangement (contract for tourist services, voucher,
etc.) and accompanies the Insured person while travelling. This definition does not include
the travel guide or the group attendant, unless they are accommodated in the same room
with the Insured person, according to the travel documents.
Waiting period: the period of time between the date of entry into force of the Insurance Contract and the
date on which it arises the liability of Generali.
Insurance policy: The nominal document signed by the parties, which proves the conclusion of the Insurance
Insurance premium: Contract.
The amount due by the Contractor in exchange for taking over the insurable risks by
Generali, in accordance with the provisions of the Insurance Contract.
Medical repatriation: The Insured’s transport, performed in special conditions, from abroad to the nearest hospital
in Romania/country of citizenship/country of residence, where he/she can receive the
appropriate treatment, or at the insured’s home, as well as the transport of accompanying
medical staff, if this is recommended by the physician;
Repatriation in case The repatriation to Romania of the Insured’s inanimate body, as a result of the death
of death: occurred following the occurrence of an insured risk during the period of validity of the
Insured risk: insurance policy; uncertain future event, for whose consequences the insurance contract is
Possible however
concluded.
Independent travel are those travel services that are not part of a travel service package. Example of
services: independent travel services: plane ticket or accommodation booked separately.
Medical emergency: the injury or acute illness, requiring the provision of qualified first aid and/or of emergency
medical care, at one or more levels of competence, as appropriate. It may be a life-
threatening emergency, where one or more intervention resources are needed in the pre-
hospitalization phase, or a non-life-threatening emergency, where care may be provided, as
appropriate, with or without the use of pre-hospital resources, at an authorized medical
centre or unit or, as the case may be, at a hospital.
The terms that are not expressly defined in these General Conditions or in the Special Conditions/Additional Coverage
are understood and agreed by the contracting parties as having the common, usual definition (or according to the law -
as the case may be).

4
Confidential
Internal use
 GENERAL INSURANCE CONDITIONS
(applicable to all insurance options)

Article 1. General provisions.

1.1 The provisions of these General Insurance Conditions are supplemented and, as the case may be, modified by the
Particular Insurance Conditions and by the Additional Clauses regarding each individual insured risk.
1.2 The provisions of these Insurance Conditions apply in the case of individual and family insurances.
1.3 The insured persons can be Romanian citizens or foreign citizens solely, domiciled or residing in Romania.
When moving from one age threshold to another, the Insured’s age is calculated as the difference between the
calendar year in which the liability of Generali begins and the year of the Insured's birth.

Article 2. Insurance object. Insured risks.

2.1 The object of the insurance, the insured risks and the expenses covered by the Insurance Contract are provided in
the Particular Conditions and in the Additional Coverage.
2.2 Based on these Insurance Conditions, the risks caused to the Insured during the period of validity of the insurance
and registered in the Policy according to the insurance variant chosen by the Contractor/Insured are covered.

Article 3. Insurance start and end date.

3.1 The insurance must be concluded in Romania and before the start of the travel abroad. Insurances concluded after the
start date of the travel are not valid.
3.2. By way of derogation from section 3.1, Generali accepts the conclusion of the insurance and the issuance of the
policy for the persons mentioned at point 1.3, temporarily found outside of Romania, only if the following conditions
are cumulatively fulfilled:
- The Insured buys a travel service package outside Romania for a future travel, which is not related to the
current travel;
- the insurance policy is issued on the same day as the travel service package is purchased;
- the insurance premium is paid in full on the issuing date of the Policy.
3.3 The insured period cannot be less than 3 days and no more than 365 (366) days. For the policies with an insurance
period of more than 120 days, the insurance protection is limited to a maximum of 120 consecutive days for each
travel made during the insurance period (the Insured must provide Generali with the documents proving the last
departure from Romania), if it is not otherwise specified in the Particular Conditions or in the Policy.
3.4 The insurance protection starts from the date registered in the Policy, only if the insurance premium was fully paid
before the beginning of the validity and only after the Insured has left Romania.
3.5 The insurance protection ceases on the date mentioned in the Policy as the expiration date of the insured period, or
before the expiration date when the Insured returns to Romania, whichever occurs first.
3.6 The insurance is valid for the period set in the Policy, regardless of the number of travels abroad made during this
period; during the period when the Insured is in Romania, the insurance is not valid.
3.7 In exceptional cases, the insurance period may be extended for maximum 30 days, if the following conditions are
cumulatively met:
- The insured requests the extension of the policy in writing and declares the existence of the damages
occurred until the date of the request;
- Generali is notified in advance, at least 72 hours before the expiration of the validity of the Policy and
expresses its extension agreement by issuing a reporting document;
- The additional premium is paid before the expiration of the validity of the Policy which is extended.
3.8 If at the moment of concluding the insurance, the Insured is not in Romania, the liability of Generali starts after a
waiting period of 8 calendar days, calculated from the day following the issuance of the policy and the payment of
the insurance premium. In this situation, in case of damage, the Insured must prove that he/she left Romania no later
than 4 (four) weeks (28 consecutive days) before the conclusion of the policy by supporting documents (plane ticket,
fuel vouchers, transport tickets, vignette, tolls and the like), otherwise Generali has the right to refuse the payment of
the claim file.

Article 4. Purpose of the travel.

4.1 The insurance is valid for trips abroad made by the Insured for the following purposes:
4.1.1 Touristic purposes: travels for tourist purposes, meaning visiting a place other than the one where his/her usual home
is, in order to carry out recreational activities, except for those that involve remuneration for performing these activities
in the visited location.
4.1.2 Business (business trip): The "business" type insurance policy is concluded only after the submission by the applicant
of documents showing that the Insured travels abroad for business purposes, to participate in: negotiations, treaties,
conferences, seminars, exhibitions or similar activities, the effective provision of physical work being excluded
(performance of various trades or professions).
4.1.3 At work: traveling abroad in order to carry out a paid legal activity based on an employment agreement issued in
Romania or in another country and in compliance with the period of stay abroad in accordance with the legal
regulations in force and/or the provisions of the employment agreement.
4.1.4 Studies: travels made for a theoretical specialization, master programs, doctorates, in-depth studies, scientific
research, exchange of experience in educational institutions and other similar activities.

Confidential 5
Internal use
 Article 5. Territorial validity.
5.1 Depending on the Insured’s option, registered in the insurance policy, the coverage is valid in:
a) Europe means Europe in its geographical sense, including the Mediterranean countries and islands, Jordan,
the Canary Islands and Madeira. Europe includes Turkey as well. The following are included in the
Mediterranean countries and islands: Morocco; Algeria; Tunisia; Libya, Egypt, Turkey, Cyprus, Malta.
b) The entire world without the USA, Canada and Israel: it means all the countries in the world except the USA,
Canada and Israel.
c) The entire world including the USA, Canada and Israel: it means all the countries in the world including the
USA, Canada and Israel.
5.2 The insurance is not valid in the countries where the Insured is domiciled/permanent resident of or whose citizen
he/she is.
5.3 The insurance is not valid in: Iraq, Iran, Afghanistan, Syria, Lebanon, Burma (Myanmar), North Korea, the Russian
Federation, Belarus, Ukraine, Venezuela and in countries/territories for which the Romanian Government-the Ministry
of Foreign Affairs, WHO and/or other international authorities have issued travel warnings or total/partial economic
embargo (according to the list of excluded countries attached to the Insurance Offer).
5.4 Generali will not provide coverage and will not be obliged to pay any compensation, or offer any benefit under these
insurance conditions, if the coverage, the payment of the compensation or the provision of benefits may expose
Generali to any sanction, prohibition or restriction under the resolutions of the United Nations Organization or of trade
or economic sanctions, laws or regulations of the European Union, the United States of America or laws applicable
in Romania.

Article 6. Insurance premium.

6.1 The insurance premium is calculated depending on the number of days of travel abroad, the Insured’s age,
territoriality and the purpose of the travel for which the Contractor/Insured has opted.
6.2 The insurance premium must be paid in full and before the start date of the validity of the policy (including before the
start of the validity of the STORNO coverage) and the start of the travel for which the insurance Policy is concluded.

Article 7. Insured amounts, limits, sub-limits or insured benefits through the Insurance
Contract.
7.1 The insured amounts, limits, sub-limits or insurance benefits are mentioned in the Insurance Policy and/or
the documents attached thereto, which are part of the Insurance Contract and are distinct depending on the
selected risks and the insurance option purchased.
7.2 The insured amounts, limits, sub-limits or insured benefits mentioned in the Insurance policy are valid for each
individual travel. In the case of policies issued for the family, the limits specified in the policy are applicable to each
insured person that is mentioned in the insurance policy.
7.3 In the case of annual policies that have a number of days/travel limit, the indemnity limits entered in the insurance
policy are valid for each individual travel.
7.4 In case of damage, the insured amount, limit, sub-limit or indemnity is reduced by the amount of compensation paid,
starting from the date of occurrence of each insured event. The insurance will continue for the rest of the insured
period with the remaining insured amount, without the insurance premium being affected.
7.5 If, during the insurance period, after the payment of the compensations, the insured amount for the basic risks is
consumed in full, the Insurance Contract terminates.
7.6 If, during the insurance period, after the payment of the compensations, the insured amount/sub-limit/compensation
for any of the additional risks mentioned in the Policy is consumed, the coverage for that risk terminates.
7.7 The total value of the indemnities for all the events produced during the insured period cannot exceed the insured
amount, limit, sub-limit or indemnity mentioned in the Policy.

Article 8. General exclusions.

8.1. The insurance cannot cover losses, damages, costs or expenses of any kind, whatever it may be, incurred by the
Insured following the occurrence of one or several of the following events:
8.1.1 war, invasion, action of an external enemy, hostilities or warlike operations (whether a state of war was declared or
not), civil war, rebellion, revolution, conspiracy, insurrection, civil unrest that is proportioned or equivalent, military
rebellion with or without usurpation of power, martial law or curfew or any events or causes that determine the
proclamation or maintenance of the martial law, curfew or other situations similar to these;
8.1.2 acts of any person acting in the name of or in connection with any political organization, confiscation, seizure,
requisition, destruction or damage by order of any government de jure or de facto or of any public authority.
8.1.3 acts of terrorism, sabotage. Given this exclusion, an act of terrorism means an act that includes but is not limited to
the use of force or violence and/or the threat thereof, by a person or a group(s) of persons, whether acting on their
own behalf or in the name or in connection with any organization(s) or government(s), an act committed for political,
religious, ideological or similar purposes, including the intent to influence any government and/or frighten the public
or any part thereof.
8.1.4 any actions taken to control, prevent, suppress any act of terrorism, or which are in any way
related to it;
8.1.5 nuclear reaction/radiation, contamination/radioactive pollution/any kind of contamination/pollution.
8.1.6 any crime committed with the intention of the Insured/Contractor.
8.1.7 any complicity to, understanding, instigation of the Insured/Contractor to produce the insured risk.
8.1.8 the intentional occurrence of the risk insured by the Insured/Contractor or by persons who permanently live and
manage together with the Insured.
8.1.9 pre-existing conditions and their consequences.
6
Confidential
Internal use
 8.1.10 the Insured’s self-mutilation, suicidal intent or suicide.
8.1.11 accidents caused by the Insured driving a vehicle under the influence of alcohol.
8.1.12 events suffered by the Insured, following the consumption of alcohol, other than those mentioned at point 8.1.11
from above, in the situation in which the Insured had a blood alcohol level above 0.8 per thousand.
8.1.13 events suffered by the Insured, following the consumption by the Insured of the following substances: drugs, narcotic
or hallucinogenic substances, the overconsumption of medicines (meaning the utilization of any medicine, including
psychotropic, without a medical receipt, in sufficiently high amounts or for periods long enough to affect life quality
or the health and safety of the consumer and the surrounding persons).
8.1.14 taking the trip/refusal to interrupt the travel contrary to any travel bans/warnings issued by national or international
competent authorities.
8.1.15 the costs for the mandatory health tests or made for precautionary/preventive purposes for the commencement,
continuation or return from the trip.
8.1.16 The annulment / interruption of the travel by the Insured for the following reasons:
- fear of travelling,
- threat (irrespective whether it is real or perceived) of a transmissible disease,
- negligence or non-observance of the measures imposed by the authorities.
8.1.17 taking the trip contrary to the recommendations of a physician or to receive medical treatment abroad.
8.1.18 events that occur in the context of an epidemic/pandemic declared officially by the national or international
competent authorities, except for the case in which the epidemic or pandemic is indicated expressly and mentioned
as being covered by the Particular Insurance Conditions regarding the emergency medical insurance in case of
accidents or illness and the additional coverage regarding the travel cancellation (STORNO).
8.1.19 the non-compliance by the Insured, as a driver, of the regulations regarding the traffic on the public roads from the
country where the accident has taken place.
8.1.20 the non-compliance by the Insured, in the case of persons who carry out professional activities that involve
physical work, of the labour protection norms from the countries in which he/she carries out his/her activity;
8.1.21 travel by air with a means of transport that does not belong to an airline authorized for the transport
of persons;
8.1.22 carry out activities that do not correspond to the stated purpose of the travel mentioned in the Policy.
8.1.23 driving motorcycles, mopeds, scooters or ATVs (except for driving on the road or for recreational purposes on public
roads), non-motorized air vehicles (such as: gliders), the Insured's participation in motor sports competitions
(qualifications or rallies), driving courses;
8.1.24 events held during participation in professional or semi-professional sports competitions
and official training for such events;
8.1.25 practicing during the trip some sports activities as amateur or professional, training and competitions for such events
as well as practicing dangerous activities or sports, such as, but not limited to: mountain climbing over 2,500 m
altitude, mountaineering, skydiving, hang gliding, bungee jumping, surfing, windsurfing, paragliding, gliding,
aeronautics, flights with unapproved aircraft, bobsleigh, skiing, acrobatic skiing, ski jumping, snowboarding, use of
a snowmobile, skeleton, free and autonomous diving, snorkelling, jet skiing, caving, hunting, rafting, horse racing,
sports self-defence and attack, stunts, pyrotechnics, voluntary handling of war machines, participation in motor
vehicle races conducted on land, water or air etc.
The exclusion is valid in the case of individual practice or in competitions or contests, both during their
development, as well as during training and participation in official sports competitions.
8.1.26 practising artistic activities: acrobat, magician, trapeze artist, stuntman, trainer, including rehearsals, unless
otherwise agreed between the parties.
8.1.27 events resulting from the practice during the trip of sports/activities that are not found in the list of leisure activities
covered by the Policy.
8.1.28 practice sports/leisure activities outside the areas specially arranged for this purpose or contrary to the
recommendations/indications of instructors/lifeguards, mountain rescuers etc.
8.1.29 events that occurred outside of the validity period of the coverage mentioned in the Policy.
8.2 The insurance does not cover the costs of translating the documents issued in another language into Romanian,
submitted in the compensation file.
8.3 No compensations will be granted if the policy was issued after leaving Romania or the payment of the insurance
premium was made, after the Insured left Romania;
8.4 Generali does not grant compensation when the claim is fraudulent or obviously exaggerated or based on false
statements.
8.5 The rebates received by the Insured from the trip provider/tour operator shall not be considered for the calculation
of compensations and compensated, regardless of their reason and nature (e.g.: bounties, bonuses, promotional
benefits, etc).
8.6 The present exclusions are applicable to all of the insured risks mentioned in the Policy.

Article 9. Obligations of the Contractor/Insured in case the insured event occurs.

9.1 In an insured event occurs, the Contractor/Insured has the following obligations:
9.1.1 To follow the following procedure:
1. To urgently contact the Assistance Company at the contact data mentioned in the Policy, within the term
provided in these Insurance Conditions.
2. When contacting the Assistance Company, the Insured or the third party who calls it on behalf of the Insured
have the obligation to communicate the following data:
- the Insured’s surname, name and date of birth;
- the country where the event took place;
- the number of the Insurance Policy;
- details regarding the medical emergency or information regarding the Insured event occurred.
Confidential 7
Internal use
 3. To precisely follow the procedure indicated by the Assistance Company and to follow the received medical
indications, as the case may be. Generali does not grant compensation if the Insured does not observe
precisely the procedure indicated by the
Assistance Company or the physician’s indications or the treatment prescribed by him/her - as the case may
be - and does not collaborate with the Assistance Company.
4. To provide on own expense, at the request of the assistance company, information, certificates and any other
documents in the form requested by the company. The service provider of Generali may order, after the prior
notification of the Insured, the organization of a medical examination of the Insured or, in case of death, after
a prior notification of the Insured's legal representative, to perform an examination of the deceased person's
body (post-mortem).
9.1.2 To make all efforts to prevent the occurrence of the insured event, and in case of its occurrence, to take all possible
measures to limit the consequences of the event.
9.1.3 To immediately notify the authorities and bodies empowered by law, according to the event produced (such as:
firefighters, police, ambulance service) that are the closest to the place of occurrence of the insured event.
9.1.4 To allow Generali or the assistance company to carry out any investigation in connection with the causes and
circumstances of the insured event and the amount of the damages; in this sense, the Insured allows the physicians
who treated him/her to reveal confidential information.
9.1.5 To provide Generali, without the need for an express request from Generali, all the original documents underlying
the claim for damages (such as police report, other records of facts, medical invoices, purchase invoices etc.);
9.1.6 To declare the existence of all insurances related to the same risk. When there are several insurances concluded for
the same risk, each insurer is obliged to pay, pro rata with the insured amount and up to its sum, without the Insured
being able to collect a compensation higher than the actual damage, indirect consequence of the risk.
9.2 If the Insurance Contract is concluded by a Contractor other than the Insured, the Contractor must comply with the
obligations arising from the Insurance Contract, except those which, by their nature, can only be complied with by
the Insured.
9.3 The Insured/Contractor must fulfil any of them of the obligations assumed by this Insurance Contract.
9.4 If the Insured is a minor person or forbidden by a court, all of the obligations of the Insured will be fulfilled by the legal
representative of the Insured.

Article 10. Settlement and payment of the insurance premium.

10.1 The beneficiary of the services covered based on these Insurance Conditions is the Insured.
10.2.1 The occurrence of the insured event must be sent in writing to Generali/the assistance company within 48 hours
from its occurrence, except for the cases of force majeure or the fortuitous case, as defined by law, situations in
which the 48-hour term starts to run from the termination of these fortuitous or force majeure cases. If the Insured
is in impossibility to contact the assistance company, the occurrence of the insured event may as well be notified
by a third person (relative, friend, healthcare professional etc.), on behalf of the Insured.
10.2.2 In case of medical services, if Generali/ the assistance company is not informed (at the telephone or facsimile
numbers indicated in the insurance policy) prior to the supply of the medical or transportation services in view of
returning to the country after the occurrence of an insured event, or there no documents to justify the their late
information, Generali shall pay the medical and transportation expenses of the Insured generated by an accident or
illness, up to a maximum amount of EUR 1,500.00.
10.3 In case of non-compliance by the Insured or the Contractor of the obligation to communicate the occurrence of the
insured event within the term established in the Insurance Contract, Generali has the right to refuse the payment of
the compensation if, for this reason, it could not determine the cause of the insured event and the extent of the
damage.
10.4 The ascertainment (meaning the analysis of the documents submitted by the Contractor/Insured) and the damage
assessment is carried out by Generali, directly or through proxies, together with the Insured or his/her proxies, the
damaged third party, if necessary, including experts and the compensation is established based on the documents
submitted to the damage file.
10.5 The indemnity due according to each type of coverage mentioned in the Policy cannot exceed the insured
amount/limit/sub-limit or the indemnity established by the Insurance Contract nor the amount of the incurred
damage.
10.6 If the Insurance Contract provides for deductibles, at the occurrence of each insured event, the due compensation
is calculated by deducting the deductible per event provided in the Insurance Contract.
10.7 Setting the insurance indemnity is made by Generali based on the following documents:
10.7.1 the insurance policy;
10.7.2 the claim together with the statement regarding the insured event, filled in and signed by the Insured;
10.7.3 copy of the ID card and/or passport in the countries where a visa is mandatory or the entrance is made based on a
passport.
10.7.4 medical documents issued by the units that provided first aid and/or examined and treated the Insured, which certify
the nature of the disease, the prescribed medicines, the date of application and the urgency of the treatment;
10.7.5 invoices, receipts, prescriptions and other supporting documents in original, issued in the Insured’s name, as well
as the documents regarding their payment, which would allow Generali to determine the exact amount of the
expenses;
10.7.6 documents issued by the authorities stating the date, place and circumstances of the event (if applicable).
10.7.7 For the medical events occurred following the onset of a childhood illness, the following documents are required:
- medical letter of the attending physician (who established the diagnosis),
- copy of the prescription;
- copy of the receipts from the pharmacy as proof of the purchase of the medicines;
- pictures of the eruption (if applicable).
8
10.8 Generali reserves the right to request other documents necessary to solve the claim file.
6
Confidential
Internal use
 10.9 If the Insured uses medical services during the travel abroad and informs the Assistance Company about the
occurrence of the insured event, the institution/person providing this service abroad may send the invoice or a copy
of it to the Assistance Company. The payment of medical expenses is made directly by the Assistance Company,
on behalf of Generali, unless another procedure is provided by the insurance contract.
10.10 If the Insured pays the cost of the medical service, after informing the Assistance Company about the occurrence
of the insured event according to the provisions of these Insurance Conditions, he/she may request, after his/her
return to Romania, the reimbursement of costs by Generali based on the claim file.
10.11 If the Insured pays the cost of the medical service, without informing the Assistance Company about the occurrence
of the insured event according to the provisions of these Insurance Conditions, he/she may request, after his/her
return to Romania, the reimbursement of costs by Generali based on the claim file. The request must be sent to
Generali no later than 3 months from the date of the insured event, otherwise Generali is exempted from paying the
indemnity.
10.12 The medical statements made by the Insured’s relatives or spouse cannot be taken into account for the
establishment of the insurance indemnity, only those substantiated by written documentation.
10.13 The documents necessary for solving the claim file will be accompanied at the request of Generali by the authorized
translation into Romanian language. The costs of their translation are borne by the Insured or his/her successors.
In cases where these authorized translations are performed by Generali, those costs will be deducted from the due
insurance indemnity.
10.14 If the direct settlement procedure between Generali and the provider does not apply, if all the conditions imposed
by the Insurance Contract are met and if the law does not provide otherwise, the compensation will be paid to the
Insured or his/her legal successors/heirs in lei at the NBR’s exchange rate from the date of occurrence of the insured
event, no later than 30 calendar days from the date of receipt by Generali of the last document necessary to solve
the claim file.
10.15 If the expenses related to the insured events covered by the insurance policy have been paid by a third party, the
value of the compensation will be made to the person entitled to receive the compensation, according to the
supporting documents, with the prior consent of the Insured or of the legal heirs.
10.16 The payment of the compensation extinguishes any claims of the Insured or of the legal heirs towards Generali, in
connection with that event.
10.17 Generali has the right not to pay any compensation in the following situations:
10.17.1 The Contractor and/or the Insured have not fulfilled their obligations deriving from the Insurance Contract or do not
prove the right to the payment of the indemnity;
10.17.2 An investigation or a criminal procedure was instituted in connection with the occurrence of the insured event, until
its settlement.

Article 11. Limitation of the number of travel insurance policies.

11.1 Only one insurance policy can be concluded for each period of travel abroad.
11.2 If the Insured has several insurance policies concluded with Generali, valid for the same trip, Generali covers only
once the services supplied, based on a single insurance policy, which is the most advantageous for the Insured.
11.3 If the Insured holds several travel insurance policies, that are in force for the same trip, issued by different insurers,
and there occurs any damage, the Insured has the obligation to declare this aspect in the application for
compensation and submit the copy/ies of the policy/ies issued by other insurers. The compensation will be granted
pro rata with the insured amount.

Article 12. Means of execution or of termination of the insurance contract.

12.1 The execution of the insurance contract will be done on time and in accordance with the provisions of these
insurance
Premiums.
12.2 The insurance contract terminates on the expiration date of the term for which it was concluded, as specified in the
insurance
conditions.
12.3 The insurance contract terminates de jure if, before the obligation of Generali begins to take effect, the insured risk
has occurred or its production has become impossible, as well as if, after said obligation began to take effect, the
intervention of the insured risk has become impossible. In these situations, if the Insured or the Contractor of the
insurance has paid, even partly, the insurance premium, they are entitled to recover it pro rata with the remaining
period of the insurance contract only in the cases in which they have not been paid or they are not owed any
compensations for the events occurred in the validity period of the insurance.
12.4 The insurance contract may be terminated by the agreement of the parties, confirmed by an addendum to the
insurance
Premiums.
12.5 The insurance contract may be terminated by its termination by the entitled party, if the other party has not fulfilled
its obligations provided for by the insurance contract (including as a result of the failure to pay the insurance
premiums, the attempt to fraud, the imprecise declarations, the omissions) and the applicable law.
The termination is made by written notice and it produces its effects from the date on which it is received by the
receiving party, without any other prior formality.
12.6 In case of termination of the Insurance Contract following the occurrence of a damage, the contract produces legal
effects for the damages occurred before its termination. Generali has the right, in case of termination of the contract,
to withhold the insurance premium paid by the Insured for the entire insurance period if indemnities have been paid
or are due or, as applicable, to compensate the amounts due by the Insured as insurance premium for the entire
9
insurance period with any due compensation/indemnity.
Confidential 7
Internal use
 Article 13. Annulment of the insurance contract by the Contractor/Insured.
13.1 The Contractor/Insured has the right to request the cancellation of the insurance policy at the latest with 24 hours
before the beginning of its validity.
13.2 The Contractor Insured has the right to cancel the Insurance Contract even after the entry into force of the Insurance
Policy only if he/she submits clear proof that he/she has not travelled abroad, but not later than the expiration of the
insurance period.

Article 14. Other general provisions.

14.1 The parties, by mutual agreement, may amend the insurance contract during its execution, only in written form,
by issuing reporting documents.
14.2 Generali will try to amicably solve any dispute related to the interpretation and execution of the insurance contract.
In this respect, any complaint made in writing by the Contractor/Insured/Beneficiary will be carefully analysed and
will be finalised by sending a written, timely and reasoned response to the person who filed the complaint, within 30
days from the date of its receipt.
In the event of the impossibility to settle the dispute amicably, the person concerned may address the Financial
Supervisory Authority or the National Authority for Consumer Protection or may notify the competent court.
14.3 In accordance with the legal regulations in force, the parties have the right to the alternative dispute resolution by
calling on the services offered by the Alternative Dispute Resolution Entity in the non-banking financial field (SAL-
Fin).
SAL-Fin is a structure created within the Financial Supervision Authority in order to allow consumers to appeal free
of charge to an alternative dispute resolution mechanism in the non-banking financial field.
The mission of SAL-Fin is to organize the out-of-court settlement of non-bank financial disputes, domestic or cross-
border, in the field of consumption. Non-bank financial conciliators with experience in mediation, negotiation or
arbitration may propose or impose a way to solve the dispute in a balanced, impartial, reasonable and cost-effective
manner for consumers.
In order to solve a dispute with a professional/trader by applying the SAL procedure, the consumer must express this
option voluntarily and address SAL-Fin in writing, directly at the SAL-Fin headquarters, by post or by electronic means
of communication.
14.4 To the extent that the Insured receives compensation for the expenses he/she has incurred, from third parties
responsible for the occurrence of the insured event, Generali will deduct these compensations from the
indemnification due to the Insured.
14.5 Generali is subrogated to the Insured’s rights, within the limits of the indemnities paid based on this policy, against
those responsible for the occurrence of the insured event, the Insured being obliged to retain the right of Generali to
sue for compensation against them.
14.6 All current and future taxes and fees related to the insurance premium, the policy and other documents dependent
on
it, fall under the Insured’s responsibility.
14.7 The tax deductions applicable to the Insurance Contract are those provided by the Romanian legislation in force.
14.8 The Insured Guarantee Fund - a legal person governed by public law established according to the law - is a guarantee
scheme in the field of insurance that aims to protect insurance creditors from the consequences of an insurer's
insolvency.
The Fund pays indemnities/compensations resulting from the optional and compulsory insurance contracts, in
accordance with the law, in case of an insurer’s bankruptcy, in compliance with the guarantee limit provided by law,
on an insurance creditor of the bankrupt insurer.
14.9 The insurance contract is concluded in Romania being subject to the Romanian legislation in force.

PARTICULAR INSURANCE CONDITIONS REGARDING EMERGENCY MEDICAL

INSURANCE IN CASE OF AN ACCIDENT OR ILLNESS
(referred to hereinafter as the “Particular Conditions”)

The provisions of the Particular Conditions are completed with those of the General Conditions.
All the provisions of the General Conditions remain applicable to all of the coverage variants, insofar as these Particular
Conditions or the Policy do not provide otherwise.

Article 1. Insured risks

1.1 Based on these Particular Insurance Conditions, the Insurance Contract covers exclusively the expenses mentioned
in Article 2 below, for the accidents and/or illnesses of the Insured, that occurred unexpectedly and unpredictably
while travelling abroad, found by a competent medical authority and preventing the normal travelling. Accidents and
illnesses of the Insured that occur during the work or study program are also covered, in case the declared purpose
of the travel is to work or study.

1.2 Within the limits provided for by the present Particular Conditions, they are covered as well the accidents of the
Insured occurred during the leisure activities mentioned in Annex 1 to the present Insurance Conditions.
The activities which are not listed in Annex 1 to these Insurance Conditions are not covered.
10
Article 2. Insured events
6
Confidential
Internal use
 According to these Particular Conditions, in case the Insured becomes ill or suffers an accident during the validity of the
policy, during the travel abroad, Generali takes over, within the limit of the insured amount mentioned in the Policy, the
following:
2.1. The medical expenses in relation with:
2.1.1 Medical urgent care in ambulatory regime, including after contracting the SARS-CoV2 virus (Covid-19) (e.g.,
consultations, medical investigations, treatments/measures necessary to rescue the life of the Insured and the
improvement of the medical condition);
2.1.2 Inpatient emergency medical care (hospitalization):
2.1.2.1 the hospital care in continuous hospitalization in cases of emergencies and medical-surgical emergencies, including
after contracting the SARS-CoV 2 virus (Covid-19), comprises the following services: specialized medical
consultations, investigations, medical and/or surgical treatments (including the costs of osteosynthesis material),
care, medication, monitoring and supervision, accommodation and food;
2.1.2.2 hospital medical assistance in day hospitalization in case of medical-surgical emergencies, which require medical
supervision for up to 12 hours;
2.1.3 The taking over of the Insured by the first aid and rescue services, and the expenses resulted from the granting of
the emergency first aid on site, excluding the search expenses;
2.1.4 The transport by ambulance to the nearest medical unit and possible transfer to another hospital if necessary;
2.1.5 medicines purchased based on prescription, issued on behalf of the Insured and with the certification of the original
prescription;
2.1.6 Urgent medical transport of the medicines from the nearest warehouse;
2.1.7 The purchase of crutches, orthoses, wheelchairs and other necessary equipment and similar instruments, based
on the physician's prescription, up to the amount of EUR 300;
2.1.8 Replacement prescription glasses, if the glasses were damaged due to an accident, which also caused bodily
injuries that require medical care. The maximum amount that can be paid for the glasses is EUR 150;
2.1.9 Emergency dental treatment, necessary for the direct relief of acute pain and those caused by accidents, for
maximum 2 teeth. The limit in this case is EUR 150 for one tooth.
2.1.10 In the case of hospital care, Generali reserves the right to pay the expenses incurred for the treatment of the Insured
at the hospital abroad until the patient's condition allows his/her transfer (repatriation) so that the treatment is
continued in Romania.
2.1.11 In the case of hospitalization of minors, the costs for the accompanying person are covered based on the
invoices/documents issued by the medical unit that treated the Insured.
2.2. Expenses related to medical repatriation due to an illness or accident:
2.2. 1. Generali covers the expenses related to the repatriation of the Insured from a hospital from abroad to a hospital in
Romania, where he/she can receive the appropriate treatment, or to the Insured's domicile from Romania, if he/she
is unable to travel following an accident or illness, including after contracting the SARS-CoV 2 virus (Covid-19),
while travelling abroad, during the validity of the insurance.
2.2.2. The medical repatriation of the Insured is organized only by Generali through the Assistance Company, only if the
Insured is transportable from a medical standpoint after he/she has been biologically stabilized and the estimated
hospitalization period is longer than 5 days.
The medical team of the Assistance Company together with the attending physician establish the moment when the
Insured’s repatriation will be carried out, as well as the means of transport. If medically necessary, the Insured will
be accompanied by medical staff during the transport.
2.2.3. The refusal of the Insured to accept the medical repatriation entails the termination of the obligation of Generali to
cover the medical expenses after the date on which the medical repatriation could be performed.
2.2.4. Generali does not compensate the Insured’s transport costs to Romania which are not organized by the Assistance
Company.
2.3. Expenses for the body repatriation of the deceased Insured:
2.3.1. Generali covers the expenses related to the body repatriation of the deceased Insured who died as a result of an
insured risk during the travel abroad, including after contracting the SARS-CoV 2 virus (Covid-19), throughout the
validity of the insurance, to his/her residence or domicile in Romania, or at the burial place in Romania if it differs
from place of domicile/residence.
2.3.2. The repatriation of the deceased Insured is organized by Generali through the Assistance Company. The
Assistance Company establishes all the repatriation details, according to the regulations in force. The Assistance
Company provides assistance services in connection with the repatriation of the deceased Insured, for the entire
necessary period, until the transport is completed, even if the date of arrival at destination is later than the
expiration date of the policy.
2.3.3. If the purpose of the travel is other than the treatment of pre-existing conditions, and the death of the Insured occurs
due to chronic diseases/pre-existing conditions known before the end of the insurance policy, Generali will cover
the repatriation costs of the deceased Insured up to EUR 3,000.00.
2.3.4. Generali compensates the transport costs in Romania of the deceased Insured organized/carried out without the
approval of Generali, up to the limit of EUR 1,000.
2.3.5. The necessary documents for the Assistance Company for organizing the transport of the deceased Insured:
- the document attesting the death;
- the official document certifying the cause of death/Certificate of Registration of Death;
- in case of an accident, documents clarifying the circumstances of death;
- death certificate.
2.4. Expenses related to the quarantine period and the transportation back to Romania, if the Insured contracts the
SARS-CoV 2 (Covid 19) virus.

11

Confidential 7
Internal use
 If the Insured contracts the SARS-CoV 2 (Covid 19) virus while travelling and the authorities of the country of
destination imposes the Insured be quarantined, Generali will reimburse within the limit of the insured amount
mentioned in the Policy for this coverage, only the following:
2.4.1. the expenses made by the Insured only in relation with the accommodation and meal during the quarantine;
2.4.2. the price of the plane, train or bus ticket for the return to Romania, if the Insured could not use due to the quarantine
the means of transportation initially planned for the return to the country of origin.
2.5. The incurred expenses are supported by the transportation ticket, receipts, invoices, cash receipts or other documents
received from external service providers (shops, restaurants, hotel etc.).
2.6. The documents proving the occurrence of the event insured, in case the SARS-CoV 2 (Covid-19) virus is contracted,
are:
2.6.1. If the SARS-CoV 2 (Covid-19) virus is contracted, the Insured must mandatorily submit, in order to benefit from the
compensation, the positive result of the RT-PCR test or of the SARS-CoV 2 rapid antigen test performed in a medical
facility authorized for this purpose and the document by which it is confirmed the quarantine of the Insured, issued by
the authorities of the country where the Insured was quarantined. In this case, the sampling date in view of performing
the RT-PCR test or the SARS-CoV 2 rapid antigen test will be considered the date on which it has occurred the
insured event.
2.6.2 They will not be granted any compensations for the preventive quarantine ordered by the authorities of the country of
destination in the absence of a positive RT-PCR test or SARS-Cov 2 rapid antigen test attesting that the Insured
contracted the SARS-CoV 2 (Covid-19) virus. Generali accepts as evidence that the Insured contracted the SARS-
CoV 2 (Covid-19) virus the RT-PCR test or the SARS-Cov 2 rapid antigen test with a positive result, performed in
medical facilities authorized for this purpose. The inconclusive RT-PCR test or SARS-Cov 2 rapid antigen test
performed in an authorized medical facility, the result of which is not definitively positive, as well as any types of test
other than the RT_PCR test or the SARS-CoV 2 rapid antigen test performed in an authorized medical facility will not
be taken into consideration upon the determination of the occurrence of the insured event.

Article 3. Specific exclusions

3.1. In addition to the exclusions of the Particular Conditions, “Article 8. General exclusions”, Generali does not grant any
compensations neither for the prejudices being the direct and indirect consequence of the following:
3.1.1 pre-existing conditions and their consequences, unless the medical assistance involves emergency measures to save
the Insured’s life or measures aimed at relieving acute pain that will be covered up to a maximum amount of EUR
1,000;
3.1.2 medicines or treatments necessary to be administered or granted during the travel abroad, but which were known or
prescribed before the start of the travel;
3.1.3 recoveries and convalescences of some diseases that have not healed yet or are undergoing a treatment, that have
been the object of a claim file;
3.1.4 pregnancies over 26 weeks, birth, abortion for therapeutic purposes or voluntary termination of a pregnancy. For
pregnancies under 26 weeks pathological situations (illness) related to the pregnancy will be covered exclusively;
3.1.5 the diagnosis and/or treatment of neoplastic diseases, sexually transmitted diseases, HIV infection, AIDS and their
consequences;
3.1.6 vaccinations of any kind, except for emergencies in which epidemics have been declared after the Insured enters the
country;
3.1.7 mental illnesses, mental or nervous disorders;
3.1.8 diseases transmitted by animal attack, except rabies;
3.1.9 elimination of physical defects, congenital anomalies, perform cosmetic surgeries;
3.1.10 preventive medicine, physical therapy, homeopathy, alternative medicine treatments; medical investigative or
treatment procedures of an experimental nature, specific to medical research, and their consequences; therapeutic
procedures not medically recognized and not authorized by the competent medical institutions and their
consequences; rest or recovery care in sanatoriums, health or rest centres, convalescent homes or other similar
institutions;
3.1.11 non-urgent dental treatments: prophylaxis, descaling, root canal treatments (unless the root canal treatment is aimed
at relieving acute pain), orthodontics, periodontal disease, artificial teeth, dental crowns/bridges, dental aesthetics;
3.1.12 replacement or repair of prostheses of any kind, prescription glasses, including contact lenses;
3.1.13 the search for the Insured who suffered an accident;
3.1.14 medical assistance provided to the Insured by his/her relatives;
3.1.15 special services in the hospital, such as accommodation in special conditions, telephone, television, accompanying
accommodation (except for the minor insured) etc.;
3.1.16 accidents or illnesses occurring in countries where epidemics have been declared before the Insured enters the
country;
3.1.17 any medical services that are not necessary or can be postponed until the Insured’s return to Romania;
3.1.18 treatments performed or continuing after the expiration date of the insurance policy. Only the medical expenses
necessary for the emergency treatment during a hospitalization period will be covered, no more than 4 days after the
expiration of the insurance policy and within the limit of EUR 500/day/Insured. Within this limit, they are included as
well the expenses of the Attendant person hospitalized together with the minor child.
3.1.19 the transport necessary for the Insured's return to Romania (except for the medical repatriation) caused by the
exceeding of the departure date from the country of destination as a result of the extension of the treatment after this
date.
3.1.20 repatriation expenses for which there is no prior consent of Generali;
3.1.21 medical treatments undertaken after the date on which, although possible, the medical repatriation was not carried
out, as a result of a decision of the Insured or that of the next of kin/family;
3.1.22 the Insured’s funeral;
12
14
Confidential
Internal use
 3.2 From the moment the Insured returns to Romania, Generali no longer bears any expenses.
Article 4. Insurance options:
4.1. Tourist Economic:
- Territoriality: Bulgaria, Turkey, Greece and Hungary.
- In addition to the information in Article 3. of the General Insurance Conditions, in the case of persons aged 70
and above, at the date of issuing the policy, the insured period may not exceed 30 consecutive days.
4.2 Tourist and Tourist Plus Premium:
- Territoriality: Europe, the entire world without the USA, Canada, Israel, the entire world
- In addition to the information in Article 3. of the General Insurance Conditions, in the case of persons aged 70
and above, at the date of issuing the policy, the insured period may not exceed 30 consecutive days.
4.3 Work:
- Territoriality: Europe, the entire world without the USA, Canada and Israel.
- It can be concluded for people below 60 years of age at the policy issue date.
- The insurance protection is continuous for the insured period up to no more than 365 (366) days.
4.4 Studies:
- Territoriality: Europe; the entire world.
- It can be concluded for people aged 16 through 60.
- The insurance protection is continuous for the insured period up to no more than 365 (366) days.
4.5 In case of Tourist Economic, a deductible of EUR 20 per event insured from the value of the compensation is applied.

ADDITIONAL COVERAGE
(valid depending on the coverage option and only if they are mentioned in the Policy).

The provisions of the Additional Coverage are completed with those of the General Conditions and the Particular Conditions.
All of the provisions of the General Conditions and the Particular Conditions remain applicable unless the present
Additional Coverage provides otherwise.

Article 1. Additional coverage regarding the Legal Liability Insurance.

1.1 According to this Operation and within the limit of the insured amount mentioned in the Policy for this coverage, Generali
covers the Insured’s tortious civil liability before third persons, compensating the direct damages committed by him/her
through illicit deeds for which he/she is liable, based on the law and jurisprudence of the country where he/she travels.
1.2 The damages caused by the Insured to third parties that may be covered based on this coverage are the following:
1.2.1 accidental body injuries to third parties who are not members of the family or agents, employees of the Insured, or the
travelling partner of the Insured.
1.2.2 material damage consisting in the loss or destruction of any type of property that does not belong, is not the
responsibility (legal protection) and is not under the control of the Insured or any other member of their family or agents,
employees and the travelling partner of the Insured.
1.3 In order to be covered by this Coverage, the following elements of civil liability must be met cumulatively:
a) the damage suffered by the third party to have been caused by a culpable action of the Insured, produced
during the insurance and during the travel abroad;
b) there must be a causal link between the culpable action and the damage caused to the third party;
c) the damage can be compensated, i.e., it must have a certain, current character, be personal and direct.
1.4 The indemnity will be granted only if the damages caused to third parties have manifested themselves during the validity
period of the policy, provided that the injured third party capitalizes his/her claims either during the insurance or within
the legal limitation period and the Insured notifies them immediately to Generali.
1.5 The Insured is covered within the insured amount specified in the insurance policy for court costs and for expenses
arising from his/her civil liability, in case of damages caused by him/her to third parties, following an accident that
occurred during the travel.
1.6 The maximum indemnity limit established in the policy is valid per insured event and completely for the entire insurance
period.
1.7 Generali is entitled to exercise any right to defend its interests or to obtain an agreement regarding damage, also to
apply the necessary procedures on behalf of the Insured and/or for his/her benefit, these actions being carried out
against any involved party.
1.8 The insured must observe the rules of conduct that the law or the custom of the place imposes and not to infringe,
through his/her actions or inactions, the rights or legitimate interests of other persons.
1.9 Specific exclusions.
In addition to the exclusion of Art. 8 of the General Conditions and Art. 3 of the Particular Conditions, Generali does
not grant compensations either in the following situations:
1.9.1 damages caused to third parties by members of the Insured's family, relatives up to the fourth degree, employees,
other agents of the Insured or the travelling partner;
1.9.2 damages caused by the Insured to his/her family members, relatives up to the fourth degree, employees, other agents
of the Insured or the travelling partner;
1.9.3 damages caused to third parties by animals belonging to the Insured;
1.9.4 damage caused to third parties by accidents with motor vehicles driven by the Insured (land motor vehicles, land
vehicles attached to a land motor vehicle, air, sea or river navigation apparatus);
1.9.5 damage resulting from the practice or participation in hunting, of any mechanical sport (motoring, motorcycling and in
general any sport with land vehicles), as well as aerial (parachuting, hang gliding etc.).
1.9.6 damages caused to third parties resulting from the organization, training or participation in a competition organized by
Confidential 7
Internal use
 a sports federation, regardless of whether or not it is authorized and insured under the law;
1.9.7 damages caused to third parties during the performance of professional activities or during the participation in an
activity organized by a professional association, institution or community;
1.9.8 professional and/or contractual civil liability;
1.9.9 civil liability that may arise as a result of a fire, explosion or water spillage/floods;
1.9.10 damages caused by the Insured with intent or serious negligence;
1.9.11 fines imposed by the Courts or other authorized/competent bodies;
1.9.12 any situation that is a consequence of the liability that the Insured has as a result of an agreement made by him/her
with the injured person, liability that would not apply in the absence of that agreement;
1.9.13 damages produced to third parties as a result of:
- owning or using an airplane, horse-drawn or mechanical/motorized vehicles, bicycles, sea vessels (other
than pulling boats, pontoons or canoes), animals or firearms;
- taking over (except for temporary travel purposes) or owning land or buildings;
- carrying out a commercial activity, exercising a profession, performing manual labour or a casual
occupation;
- any kind of competition;
- any deliberate or criminal action;
1.9.14 liability as an employer or under any other insurance contract or policy;
1.9.15 moral damage;
1.9.16 consequential losses;
1.9.17 pure financial losses;
1.9.18 any type of fines and/or penalties including punitive damage.

Article 2. Additional coverage regarding the loss or theft of documents

2.1 According to this Coverage and within the limit of the insured amount mentioned in the Policy for this coverage, Generali
grants compensation for damages suffered by the Insured during the travel abroad, in case of theft or loss of the
documents necessary to continue the travel or return to Romania.
2.2 The expenses covered according to this Coverage are (as applicable):
- the equivalent value of the fees for issuing the new documents issued to replace the stolen ones, in the country
where the insured event took place;
- counselling on the steps to be taken;
- the costs for the procurement of documents and/or transport tickets to replace the lost/stolen ones or the return
transport to Romania is ensured;
- if for the issuance of the documents it was necessary to travel to another locality (from abroad), based on the
supporting documents it is possible to cover the transport (a single round trip) to the town/city where the
documents were issued.
2.3 The Insured's obligations specific to this Coverage:
The insured must request and obtain a written document from the authorities regarding the loss or theft of the
documents specified above no later than 24 hours from the date of occurrence/acknowledgment of the occurrence of
the event.
2.4 Specific exclusions.
In addition to the exclusion of Art. 8 of the General Conditions and Art. 3 of the Particular Conditions, Generali does
not grant compensations either in the following situations:
2.4.1 the documents were intentionally destroyed or abandoned by the Insured;
2.4.2 the documents were left in the care of a person who has no official responsibility for keeping the Insured’s Insured
person:
2.4.3 the documents were stolen from an unsupervised vehicle, except in the case where the documents were locked in the
glovebox or in the trunk of the vehicle, and these are not visible from the outside of the vehicle, they have been stolen
by robbery or intrusion. Generali does not grant compensations if there is no conclusive evidence of a robbery or forced
and violent access into a vehicle (intrusion).
2.4.4 if the insured does not obtain a written document from the local authorities no later than 24 hours from the
acknowledgement of
the loss or theft of the documents.

Article 3. Additional coverage regarding the cancellation of the travel (STORNO)

3.1 According to this Coverage and within the insured amount mentioned in the Policy for this coverage, Generali grants
indemnities for penalties due to the travel service provider in case of cancellation (necessary and unavoidable due to
the insured risk) by the Insured of the service package contract concluded with the travel service provider or the
independent travel services booked directly from the Travel Service Providers through the internet, for which he/she
can prove payment by submitting supporting documents.
3.2 Airline tickets can be separately included into the insurance, as independent travel services. The plane ticket
purchased by itself is considered a transport contract between the airline and the person appearing on the ticket.
3.3 The period of validity of the Cancellation of the travel (STORNO) coverage is the interval between 00:00 of the day
immediately following the one in which the Policy was issued and the insurance premium was paid and the moment of
departure, only if the insurance policy is concluded in one of the following options:
3.3.1 with more than 28 days before the date of departure, on the reservation date or the partial or full payment of the tourist
services, supported by the documents issued by the supplier of tourist services, whichever occurs first. If the Policy is
concluded after more than 3 working days from the reservation date or the partial or full payment of the tourist services
support by documents issued by the supplier of tourist services, whichever occurs first, it shall be applied a waiting
period of 10 days.
14
Confidential
Internal use
 The events occurred in the waiting period are not covered and will not be compensated. By applying the 10-day
waiting period, they will be covered only the events occurred from the eleventh day of insurance.
3.3.2 with less than 28 days before the date of departure, only if the Policy is concluded within maximum 24 hours from the
reservation date or the partial or full payment of the tourist services, supported by the documents issued by the supplier
of tourist services, whichever occurs first. In this case, the STORNO coverage is valid only if the Policy is issued with
maximum 2 days before the departure date.
3.4 The liability of Generali regarding the cancellation of the travel (STORNO) ceases when one of the following situations
occurs, any of which occurs first:
3.4.1 on the date and time when the Insured departs from Romania, in order to start the purchased travel, proven by travel
documents, vignette, toll tax, plane ticket, travel ticket, and is considered as the first day of stay mentioned in the policy
etc., according to the contract for the sale of travel service packages or of independent services;
3.4.2 on the date of the premature termination (by rescission/unilateral termination) of the contract for the purchase of the
travel service package or of the independent services;
3.4.3 on the payment date of the indemnity in case of occurrence of the insured event;
3.4.4 at the date and time of making the first travel (first exit from Romania), in case of making multiple travels during the
insurance period registered in the Policy.
3.5 Risks insured based on the additional coverage regarding the cancellation of the trip (STORNO):
3.5.1 the death of the Insured, of the travelling partner or of one of the following persons: spouse, first or second degree
relative (or spouse of this relative) of the Insured or the travelling partner. In case of death following some chronic
diseases or pre-existing conditions, Generali shall cover within the limit of maximum EUR 300/person (without the
application of the franchise), the penalties owed by the Insured, as specified in the contract for the sale of tourist
packages/ independent travel services, concluded by the Insured with the travel agency or with the Supplier of
independent travel services.
3.5.2 The serious illness or the accident of the Insured or the travelling partner, of their spouse or a first degree relative of
the Insured or of the travelling partner or their spouses.
3.5.3 The death or illness caused by the SARS-CoV 2 (Covid-19) virus contracted in the validity period of the insurance
policy by the Insured or the family members of the Insured mentioned in the travelling voucher according to the contract
for the supply of tourist services, and/or the travelling partner (according to the contract for the supply of tourist
services).
3.5.4 The destruction of the Insured's home, within 15 calendar days prior to the start of the travel, following a fire, explosions,
breaking and entering or vandalism, events due to which the Insured's presence at home is motivated on the day of
departure.
3.5.5 The reception by the Insured of a summons for presenting at court, at a deadline set during the travel, provided that
the summons was not received prior to booking the travel or the Insured was denied the request to change the trial
date at a date after the travel. If the Insured is represented by a solicitor and his/her presence is not necessary according
to the procedural norms (witness, expert, interpreter, party summoned to interrogation, etc.), it is not deemed to be an
insured risk. The insured risk is also applicable for the spouse and children of the Insured provided that each of them
has coverage for the cancellation of the travel (storno). The present coverage does not include and does not grant
compensations for the cases/ situations in which the Insured is summoned as culpable person, suspected person
before the courts of criminal law.
3.5.6 Road accident that directly involves the Insured or the car which he/she will travel with, occurred in Romania, after
booking the travel but before making the travel, event proven by documents issued by the competent bodies.
3.5.7 The impossibility certified by medical documents issued by the specialized institutions to make the travel, as a result of
some medical causes (pathological situations) related to pregnancy/pregnancy up to maximum 26 weeks, only if the
pregnancy is detected in the period between the issue of the insurance and until the departure, only for scheduled trips
up to 26 weeks of pregnancy at the time of departure. For travels scheduled after 26 weeks of pregnancy, this risk is
valid only if the pregnancy is detected in the period from the issuance of the insurance until the date of departure. The
insured risk is also applicable for the spouse and children of the pregnant woman provided that each of them has
coverage for the cancellation of the travel (storno).
3.6 From the moment of occurrence of the event insured by this Additional Coverage, the coverage of any other risk insured
by the Insurance Contract ceases.
3.7. Specific exclusions
In addition to the exclusion of Art. 8 of the General Conditions and Art. 3 of the Particular Conditions, Generali does
not grant compensations either in the following situations:
3.7.1 The serious illness of the Insured or the travelling partner, or of their spouse or a first degree relative of the Insured or
of the travelling partner or their spouse, caused by chronic disease and/or pre-existing conditions or consequences of
an accident prior to the start of the validity period of the insurance;
3.7.2 Neoplastic diseases diagnosed in the first 2 months from the issuance of the insurance policy;
3.7.3 suicide, attempts of suicide, self-mutilation or intended sickness of the Insured, their spouse, or a first or second degree
relative of the Insured or of their spouse or of the travelling partner;
3.7.4 not granting the visa for entrance in the transit country or the country of destination;
3.7.5 the reception of a writ of summons related to a case in which the Insured has an active procedural capacity, or to a
case which is subject to a remedy, or to a case in which the Insured was aware of the term, or to a case in which the
Insured solicits the judgement in absence;
3.8 Calculation and payment of the compensation. Franchises.
3.8.1 In the case of contracts for the provision of tourist services, the value of the compensation is equal to the penalty due
by the Insured to the travel service provider on the date of the insured event, according to the provisions of the
Contract/voucher for the sale of travel services packages, reduced with the 10% deductible applicable to the amount
of the damage.
3.8.2 In case of travelling by plane, the franchise is 10% of the plane ticket value.
3.8.3 The value of the compensation may not exceed the amount paid by the Insured to the travel service provider (proven
by supporting documents, receipts, invoices, payment order etc.) until the date of the insured event nor the maximum
Confidential 7
Internal use
 insured amount provided in the Policy for this risk.
3.8.4 In the case of travel service contracts concluded for a group of persons (2 or more persons), the compensations will
be calculated for each Insured person, depending on the total value of the penalties calculated according to the services
contracts for sale by the travel service providers, related to the person/s who concluded the insurance Policy.
3.8.5 Any other payment made by the Insured after the date of occurrence of the insured risk will not be covered by this
Policy.
3.8.6 In the case of travel service contracts concluded for a group of persons (2 or more persons), the person nominated in
the insurance Policy, for his/her own damage, benefits from coverage for this risk, based on the contractual provisions
regarding the applicable penalties related to it.
3.8.7 In addition to the documents mentioned in the General Conditions, Article 10. Settlement and payment of the insurance
premium, for the settlement of the file for compensation, the Insured must also submit to Generali the following specific
documents:
- copy of the request to waive the tourist services package submitted to the Travel Agency where he/she paid the
price of the contract for the sale of tourist service packages in full or in part, with the registration number given
by agency;
- copy of the contract for the sale of tourist services packages concluded with the Travel Agency together with all
its annexes (order form, vouchers etc.) and the amount of penalties applied on the date of cancellation of the
vacation;
- the confirmation of the reservation of the purchased tourist services;
- proof of payment, in full or in part, of the price of the contract for the sale of the tourist services package, the
original invoice and receipt;
- the penalties invoice issued by the travel agency to the Insured in case of cancellation of the trip, of the original
tourist package, the invoice that will not exceed the amount paid by the Insured until the moment of the insured
event;
The documents proving the occurrence of the insured event may be the following, as applicable:
- copy of the death certificate and the medical certificate confirming the death;
- detailed medical report, proof of hospitalization (if applicable) and any other documents issued by authorized
medical institutions according to the legal provisions in force;
- reports and any other documents issued by the Police, Firefighting department etc.;
- the summons issued by the Judicial Authority bodies;
- copy of the medical history from the General Practitioner (FCM);
- any other document necessary for the settlement of the claim.
3.8.8 The documents proving the occurrence of the event insured, in case the SARS-CoV 2 (Covid-19) virus is contracted:
3.8.8.1 If the SARS-CoV 2 (Covid-19) virus is contracted, the Insured must mandatorily submit, in order to benefit from the
compensation, the positive result of the RT-PCR test or of the SARS-CoV 2 rapid antigen test , performed in a medical
facility authorized for this purpose. In this case, the date of the event taken into consideration for the establishment of
the time when the insured event occurs will be the sampling date in view of performing the RT-PCR test or the SARS-
CoV 2 rapid antigen test.
3.8.8.2 Generali accepts as evidence that the Insured contracted the SARS-CoV 2 (Covid-19) virus the RT-PCR test or the
SARS-CoV 2 rapid antigen test with a positive result, performed in medical facilities authorized for this purpose. The
inconclusive RT-PCR test or the SARS-CoV 2 rapid antigen test performed in authorized medical facilities, the result
of which is not definitively positive, as well as any types of test other than the RT_PCR test performed in authorized
medical facilities will not be taken into consideration upon the determination of the occurrence of the insured event.

Article 4. Additional coverage regarding the interruption (shortening) of the travel

4.1 According to this Coverage and within the limit of the insured amount mentioned in the Policy for this coverage, Generali
grants compensations for the costs related to the vacation days that were paid by the Insured based on the travel
services package (defined according to these insurance conditions) and from which he/she did not benefit, as well as
for the equivalent value of the transport ticket for returning to Romania, in case of occurrence of one of the insured
events mentioned below, taking place during the validity of the insurance policy, when the Insured is staying abroad
and for which he/she must urgently return home.
4.2 The period of validity of the Interruption (shortening) of the travel coverage begins on the date mentioned in the
insurance policy as the start date of the travel, after the Insured leaves Romania.
4.3 Events insured based on the additional coverage regarding the interruption (shortening) of the travel:
4.3.1 The death of the Insured's spouse or a first and second degree relative of the Insured or of the spouse/person
accompanying the Insured and who is in Romania, with the mention that in case of death due to chronic diseases or
pre-existing conditions, the value of the package of tourist services left unconsumed up to maximum EUR 300/person
(without applying the deductible) will be covered, as specified in the contract for the sale of tourist packages concluded
between the Insured and the travel agency;
4.3.2 The destruction of the Insured's home during the period when the Insured is in the vacation for which the insurance
policy was issued, following a fire, explosions, burglary or an act of vandalism, events due to which the Insured’s urgent
return home is required;
4.3.3 The reception by the Insured of a summons to appear before a Romanian court, at a deadline set during the travel,
provided that the summons was not received prior to booking the travel or the Insured was denied the request to change
the trial date at a date after the travel. If the Insured is represented by a solicitor and his/her presence is not necessary
according to the procedural norms (witness, expert, interpreter, party summoned to interrogation, etc.), it is not deemed
to be an insured risk. The insured risk is also applicable for the spouse and children of the Insured provided that each
of them has coverage for the cancellation of the travel.
16
4.4 From the moment of occurrence of the event insured by this Additional Coverage, the coverage of any other risk insured
by the Insurance Contract ceases.
14
Confidential
Internal use
 4.5. Specific exclusions
In addition to the exclusion of Art. 8 of the General Conditions and Art. 3 of the Particular Conditions, Generali does
not grant compensations either in the following situations:
4.5.1 The serious illness of the Insured, of their spouse or a first degree relative of the Insured or their spouse, or the serious
illness of the travelling partner, caused by chronic disease and/or pre-existing conditions or consequences of an
accident prior to the start of the validity period of the insurance;
4.5.2 Neoplastic diseases diagnosed in the first 2 months from the issuance of the insurance policy;
4.5.3 suicide, attempts of suicide, self-mutilation or intended sickness of the Insured, their spouse, or a first or second degree
relative of the Insured or of their spouse or of the travelling partner;
4.5.4 the reception of a writ of summons related to a case in which the Insured has an active procedural capacity, or to a
case which is subject to a remedy, or to a case in which the Insured was aware of the term, or to a case in which the
Insured solicits the judgement in absence.
4.6 In addition to the documents mentioned in the General Conditions, Article 10. Settlement and payment of the insurance
premium, for the settlement of the file for compensation, the Insured must also submit to Generali the following specific
documents:
- copy of the contract for the sale of tourist services packages concluded with the Travel Agency together with all
its annexes (order form, vouchers etc.);
- proof of payment in full of the price of the contract for the sale of the tourist services package, the original invoice
and receipt;
- the confirmation of the reservation of the purchased tourist services;
- document issued by the supplier of accommodation services of which it must result the date on which the
Insured interrupted the journey;
- the transportation ticket for the return to Romania and the proof of payment of the ticket.
The documents proving the occurrence of the insured event may be the following, as
applicable:
- copy of the death certificate and the medical certificate confirming the death;
- detailed medical report, proof of hospitalization (if applicable) and any other documents issued by authorized
medical institutions according to the legal provisions in force;
- reports and any other documents issued by the Police, Firefighting department etc.;
- the summons issued by the Judicial Authority bodies;
- copy of the medical history from the General Practitioner (FCM);
- any other document necessary for the settlement of the claim.

Article 5. Additional coverage regarding the cancellation of travel tickets due to airline
bankruptcy
5.1 According to this Coverage and within the limit of the insured amount mentioned in the Policy for this coverage, Generali
grants compensations for the cost of the travel tickets purchased exclusively through travel agencies or from airlines,
for flights scheduled by the airlines, and the cancellation of these flights occurred due to the official declaration of
bankruptcy of that airline.
5.2 In case of bankruptcy of the same airline company:
- the maximum aggregate limit of the indemnities granted by Generali cannot exceed EUR 70,000;
- if the cumulative value of the compensation claims requested by the Insured exceeds the maximum aggregate
limit, the value of the individual indemnities will be reduced proportionally with the ratio between the value of the
maximum aggregate limit and the sum of all indemnity claims requested by the Insured;
- only the notifications/notices of damage submitted in writing to Generali no later than 15 days from the date of
official declaration of bankruptcy of the airline will be taken into account.

Article 6. Additional coverage regarding the refusal of the entry/exit at the border
6.1 According to this Coverage and within the limit of the insured amount mentioned in the Policy for this coverage:
6.1.1. in case of refusal of the authorities of the country of destination to allow the Insured to enter the country of destination,
Generali covers the expenses justified and borne by the Insured in order to re-issue the plane ticket to travel back to
Romania or to the country having issued the border crossing document used by the Insured (e.g.: the passport), as
well as the first night of accommodation lost during the trip. The cost related to the re-issue of the plane ticket shall only
be covered unless the Insured had already received and is to receive certain compensations (indemnities, redirection,
assistance from the airline company) for flight issues, based on the applicable laws..
6.1.2. in case of refusal of the Romanian authorities to allow the Insured to leave the country, Generali covers only the
justified expenses, borne by the Insured, for the re-issue of the ticket to reach the initial destination of the journey.
6.2 The risks insured by this Coverage are covered only if the following conditions are cumulatively met:
- their production is independent of the will and knowledge of the Insured;
- The Insured is not prohibited from leaving Romania or entering the destination country;
- The Insured has all the required identity and travel documents (passport, valid visa, medical insurance, power
of attorney to drive the vehicle which he/she travels with, he/she has all taxes paid up to date etc.), appropriate
and valid, according to the provisions and legal regulations in force, for the travel mentioned in the tourist
package;
- The insured consulted the website www.mae.ro, and observes the travel conditions in accordance with the
legislative provisions in force in the country of destination and/or transit, both at the time of purchasing the
package of services/ticket, and at the date of departure from the country.
6.3. In addition to the documents mentioned in the General Conditions, Article 10. Settlement and payment of the
insurance premium, for the settlement of the file for compensation, the Insured must submit to Generali the following:
- the decision of the competent authority empowered to that end by the laws of the country that refused
Confidential 7
Internal use
 his/her entry. This decision must point the exact reasons for the entry refusal of the Insured on the territory of the said
country;
- the contract for the sale of tourist services packages, the invoice and the receipt in original;
- the confirmation of the reservation of the purchased tourist services;
- the transportation ticket for the return to Romania or to the country having issued the border crossing
document that the Insured had used (e.g. passport) and the proof of its payment.
6.4. The insurance contract does not cover the stay annulled by the Insured due to the refusal of the authorities in the
destination country to allow the Insured to enter the destination country or the refusal of the Romanian authorities to
allow the Insured to leave the country.

Article 7. Additional coverage regarding the medical expenses necessary for the emergency
treatment following the inappropriate services provided on the plane
7.1 According to this Coverage and within the limit of the insured amount mentioned in the Policy for this coverage, Generali
grants
compensations for the prejudices caused by the airline of the Insured, because of inappropriate services of meal and
beverage serving, following which they have resulted emergency medical expenses, supported by medical reports or
other documents demonstrating the prejudice.

Article 8. Additional coverage regarding Flight Delay more than 12 hours after leaving Romania
8.1 According to this Coverage and within the limit of the insured amount mentioned in the Policy for this coverage,
Generali
grants compensations in case the flight with which the Insured has to travel abroad has a delay of more than 12 hours
compared to the initial scheduled departure time and mentioned on ticket, due to:
8.1.1 unfavourable weather conditions;
8.1.2 technical failures of the aircraft;
8.1.3 strikes, industrial incident (noting that until the moment of issuing the insurance policy or until the reservation related
to the travel, considering the reference term the last of the two, no such situation should be declared, so there is no
reason to affect the good course of the Insured's travel);
8.1.4 change of the aircraft’s route so that it no longer corresponds to the arrival of the Insured at the place of destination;
8.2 This Coverage does not cover flight delays in Romania.
8.3 If they are not covered by the airline, Generali will grant compensations for the following expenses made by the
Insured:
8.3.1 expenses for food, supported by the purchase documents (invoices, tax receipts, etc.);
8.3.2 transfer from and to the airport;
8.3.3 the first night of accommodation at one of the hotels near the airport from where the plane will take off to the next
destination;
8.3.4 additional charges for rescheduling the connecting flight in case of transfer between distinct
airlines.
8.4 The incurred expenses are supported by receipts, invoices, cash receipts or other documents received from external
service providers (shops, restaurants, hotel etc.).
8.5 Specific exclusions:
In addition to the exclusion of Art. 8 of the General Conditions and Art. 3 of the Particular Conditions, Generali does
not grant compensations either in the following situations:
8.5.1 domestic flights that do not represent connections for the external travel to the place of destination;
8.5.2 the value of lost days of stay, according to hotel reservations, of the scheduled and paid trips, of the car rental and
other touristic services.
8.5.3 if the Insured did not embark, being plenty of time, for the trip abroad or for the return trip;
8.5.4 in case of withdrawal, even on a temporary basis, of the aircraft, bus, train or ship following the orders or
recommendation of the Civil Aviation Authority, the Port Authority, Railway Authority, Road Authority or a similar body
from any country (except for technical defects detected in those means of transport) and/or the closure of the airspace,
road or sea, by any national authority;
8.5.5 the lack of supporting documents to prove the payment of covered additional costs or fees.

Article 9. Additional coverage regarding the insurance of the Insured's luggage in case of
theft/loss/destruction/damage during transport
9.1 According to this Coverage and within the limit of the insured amount mentioned in the Policy for this coverage,
Generali
grants compensations in case of theft/ loss/ destruction/ deterioration of the luggage of the Insured occurred during
road, air or sea transportation.
9.2 The insurance is valid throughout the travel abroad for the luggage that is transported in the same means of transport
as the Insured uses to travel.
9.3 The Insurance coverage begins:
a) for the luggage not handed over: from the beginning of the shipping operations until the end of the landing
18 operations;
b) for registered luggage: from the moment when the insured's luggage is received and registered by the transport
company and until the moment of withdrawing that luggage at destination.
9.4 Specific exclusions
In addition to the exclusion of Art. 8 of the General Conditions and Art. 3 of the Particular Conditions, Generali does
14
Confidential
Internal use
 not grant compensations either in the following situations:
9.4.1 intentional losses and damages, gross negligence or similar acts of the Insured or his/her next of kin;
9.4.2 The luggage that is transported in the same means of transport as the Insured uses to travel;
9.4.3 theft of objects from the Insured's luggage; only the theft of the entire luggage is ensured;
9.4.4 the defect or vice of the transported objects;
9.4.5 fragile and damageable objects, electric and electronic objects, cash or coins of any kind (including collections or
singular pieces of value), cheques, stocks and bonds of any kind, acts, travelling tickets, stamp
collections, documents, unique pieces, samples or goods, manuscripts or documents of value of any kind, jewellery,
precious objects in general, securities of any kind, musical instruments, as well as any materials or objects the
transportation of which is not accepted by the regulations for the transportation of passengers;
9.4.6 electrical, mechanical defects or a manufacturing error of the luggage;
9.4.7 normal wear and tear due to the use, cleaning process, scratching, staining, moths, pests or meld;
9.4.8 unsupervised luggage, unless it is left in an area specially designed for the safe keeping of luggage;
9.4.9 luggage that is not the Insured’s property or luggage owned by the insured borrowed or handed over to third parties;
9.4.10 luggage stolen from a vehicle left unattended, except for luggage left in the glove compartment or closed trunk of the
vehicle, so that it is not visible from the outside and there is obvious evidence of forced or violent entry into the vehicle;
9.4.11 winter sports equipment;
9.4.12 luggage whose theft/loss/destruction has not been reported in writing to the transport company no later than 24
hours from the date of discovery and for which the transport company has not issued an official written report;
9.4.13 the retention or seizure of the luggage under an order of the government, public authority, customs and other
similar;
9.4.14 prejudices caused by strikes of the employees of the transportation companies, airports/bus stations/ train stations/
harbours, securities agents, customs officers;
9.4.15 any property insured, specifically through another insurance policy or one which can be recovered from another
source. Any reimbursement received will be deducted from the amount representing the Insured's damage, under the
terms of this section;
9.4.16 losses and damage occurring in Romania;
9.5 The Insured's obligations specific to this Coverage:
9.5.1 check in the luggage when handing it over to the passenger transport operator, based on the luggage vouchers,
which he/she must keep.
9.5.2 report the theft/loss/destruction/damage of luggage during transport, in writing to the transport company no later
than 24 hours from the date of production/acknowledgment of the occurrence of the event.

Article 10. Additional coverage regarding delayed luggage, for more than 12 hours
10.1 According to this Coverage and within the limit of the insured amount mentioned in the Policy for this coverage, Generali
grants indemnities for the purchase outside Romania of essential goods in case his/her luggage registered at the
transport company which he/she uses to travel, is delayed for more than 12 hours.
10.2 Essential goods are: clothing and toiletry items, which allow the Insurer to cope with the temporary unavailability of
his/her personal items in the delayed luggage.
10.3 In order to solve the claim, the Insured must submit to Generali:
- the official written report from the transport company, proving the delay of his/her checked luggage, as well as
the period of delay (number of hours);
- supporting documents (receipts, invoices, cash receipts etc.), which show that during the delay of his/her
luggage, the Insured has purchased essential goods.
10.4 If the Insured takes possession of his/her luggage after more than 12 hours, and the Insured is in Romania, he/she
cannot benefit from the payment of the compensations for these essential goods, deeming that he/she has reached
his/her place of residence.

Article 11. Additional coverage regarding roadside assistance.

11.1 According to this Coverage and within the limit of the insured amount mentioned in the Policy for this coverage, Generali
grants compensation for the expenses incurred by the Insured in connection with the vehicle with which he/she travels
abroad, during the travel and during the period of validity of the insurance, in case of the following events:
- electrical, mechanical failures of the vehicle or road accidents;
- the impossibility to continue driving due to the supply of an inadequate fuel, different from the one provided in
the technical book of the vehicle;
- double flat tyre (occurring due to the same event).
11.2 The insurance is valid exclusively for cars and light vans with a maximum total permissible mass of up to 2.5 tons
inclusive and maximum manufacturing age of 7 years.
11.3 In order to be covered by this Coverage, the Insured must be the owner of the vehicle which he/she uses to travel
abroad. If the owner of the vehicle is another natural/legal person, the right to use the vehicle by the Insured must be
given by written power of attorney before the conclusion of the policy.
11.4 In case of occurrence of the insured event, according to this Coverage, the expenses related to the following services
are covered:
- towing/transport to the workshop nearest to the place where the event took place;
- telephone assistance 24/24 hours;
- the transport of passengers in the towing vehicle, given the available seats;
- storage/parking of the vehicle for no more than 48 hours in closed and guarded workshops.
11.5 The services offered by this Additional Coverage are covered only if they are organized by the Assistance Company
mentioned in the Policy, which must be approved immediately after the occurrence of the event and before expenses
Confidential 7
Internal use
 are incurred in connection with the produced event.

Annex 1
Activities included in the basic coverage, without additional premium, but only if the Insured takes part in them
for recreational purposes during the trip. The activities not found in the table below are not covered.

1 Volunteer activities that do not involve physical effort 18 Picnic

2 Aerobics 19 Fishing in domestic waters

Hot air balloon rides (only for organized
3 Running/jogging 20
recreational walks)
Walks during the day with the elephant or camel
4 Badminton 21 with an accompanying person along the route
(no trips for several days)
Boat rides, which has the bottom made of glass
5 Billiards/snooker/ball game 22 sections for viewing marine animals

6 Bowling 23 23Bike rides in the city on arranged tracks

Walks on the walkways arranged at the height
7 Cricket 24
of the tree branches
8 Croquet 25 Banana boating
Roller skating/skateboarding with
9 Dancing 26
protective equipment
10 Darts 27 Racket ball

11 Frisbee 28 Chess, backgammon, checkers, Go and other

similar games

12 Golf 29 Archaeological excavations

13 Swimming in arranged pools 30 Ping-pong

14 Card games 31 Tennis

15 Beach games 32 Birdwatching/studying

16 Walking / running in the countryside and over hills 33 Hawking

Leisure rowing and boat rides on landscape
17 Tourist orientation in plain and hill areas 34
lakes
35 Yoga

20

14
Confidential
Internal use