TRAVEL POLICY SCHEDULE - ‫ﺟﺪول وﺛﻴﻘﺔ ﺗﺄﻣﻴﻦ ﺳﻔﺮ‬

Policy Holder / ‫اﺳﻢ اﻟﻤﺆﻣﻦ ﻟﻪ‬ SALEH AHMAD HUSSEIN QURAN . Policy No / ‫رﻗﻢ اﻟﻮﺛﻴﻘﺔ‬ AAJ-22-0005697-1

Policy Issue Date/ ‫ﺗﺎرﻳﺦ اﺻﺪار اﻟﻮﺛﻴﻘﺔ‬ 27-11-2022

P.O.Box & Address / ‫رﻗﻢ ﺻﻨﺪوق اﻟﺒﺮﻳﺪ و‬
‫ا ﻟ ﻌ ﻨ ﻮا ن‬
No of days per trip / ‫ﻋﺪد أﻳﺎم اﻟﺮﺣﻠﺔ‬ 92

Mobile Number / ‫رﻗﻢ اﻟﻬﺎﺗﻒ اﻟﻤﺤﻤﻮل‬ Effective from / ‫ﻓﻌﺎل ﻣﻦ ﺗﺎرﻳﺦ‬ 10-12-2022

Nationality / ‫اﻟﺠﻨﺴﻴﺔ‬ Jordan Expiry on / ‫ﻳﻨﺘﻬﻲ ﺑﺘﺎرﻳﺦ‬ 11-03-2023

Premium as per the agreed schedule of

Passport Number/ ‫رﻗﻢ ﺟﻮاز اﻟﺴﻔﺮ‬ Q696752
rates/ ‫ﻗﺴﻂ وﻓﻘﺎ ﻟﺠﺪول اﻷﺳﻌﺎر اﻟﻤﺘﻔﻖ ﻋﻠﻴﻪ‬

No. of consecutive days per trip / ‫ﻋﺪد أﻳﺎم‬

Date of Birth / ‫ﺗﺎرﻳﺦ اﻟﻤﻴﻼد‬ 06-11-1979 62
‫ا ﻟ ﺮ ﺣ ﻠ ﺔ ﻋ ﻠ ﻰ ا ﻟ ﺘ ﻮا ﻟ ﻲ‬

Geographical Scope / ‫اﻟﻤﻨﺎﻃﻖ اﻟﺘﻲ ﺗﻐﻄﻴﻬﺎ‬

Plan B - Worldwide "Excluding USA, Canada, Australia, Japan"
‫ا ﻟ ﻮﺛ ﻴ ﻘ ﺔ‬

Destination / ‫اﻟﻮﺟﻬﺔ‬ Jamaica

Summary of Covers / 50,000.00 ‫اﻟﺘﻐﻄﻴﺎت‬ Limits / ‫اﻟﺴﻘﻮف‬

Medical expenses and hospitalization abroad 50 000 USD Excess 500 USD (amount to be paid by the insured in the
‫اﻟﻨ ﻔ ﻘﺎ ت اﻟ ﻄﺒﻴ ﺔ و اﻟ ﻌ ﻼ ج ﻓ ﻲ اﻟ ﻤ ﺴﺘ ﺸ ﻔﻴﺎ ت ﺧﺎ ر ج ﺑﻠ ﺪ ا ﻹ ﻗﺎ ﻣ ﺔ‬ event of a claim)
Covid 19 expenses and hospitalization – Max age 75 years
50 000 USD Excess 500 USD (amount to be paid by the insured in the
‫ا ﻟ ﻌ ﻼ ج ﻓ ﻲ ا ﻟ ﻤ ﺴ ﺘ ﺸ ﻔ ﻴ ﺎ ت ﺟ ﺮا ء ا ﻹ ﺻ ﺎ ﺑ ﺔ ﺑ ﻔ ﻴ ﺮ و س ﻛ ﻮ ر و ﻧ ﺎ – ﻳ ﺠ ﺐ ا ن ﻻ ﻳ ﺰ ﻳ ﺪ ﻋ ﻤ ﺮ‬
event of a claim)
‫ ﺳﻨﺔ )ﺗﻄﺒﻖ ﻓﻘﻂ ﻋﻠﻰ ﺗﻌﻐﻄﻴﺔ ﻛﻮروﻧﺎ‬75 ‫)اﻟﻤﺆﻣﻦ ﻟﻪ ﻋﻦ‬
Quarantine Expenses (accommodation only, per day max 14 days)
75 USD
( ‫ ﻳﻮﻣﺎ‬14‫ ﻓﻲ اﻟﻴﻮم ﺑﺤﺪ أﻗﺼﻰ‬، ‫ﻧﻔﻘﺎت اﻟﺤﺠﺮ اﻟﺼﺤﻲ )اﻹﻗﺎﻣﺔ ﻓﻘﻂ‬
Emergency Medical Repatriation and Evacuation
Actual Exp. Within the sum insured
‫ا ﻹ ﻋ ﺎ د ة ا ﻟ ﻄ ﺒ ﻴ ﺔ ا ﻟ ﻄ ﺎ ر ﺋ ﺔ وا ﻻ ﺧ ﻼ ء‬
Repatriation of mortal remains
Actual Exp. Within the sum insured
‫إ ﻋ ﺎ د ة ر ﻓ ﺎ ت ا ﻟ ﻤ ﻮﺗ ﻰ ا ﻟ ﻰ ا ر ض ا ﻟ ﻮ ﻃ ﻦ‬
Return of dependent Child
1,000 USD
‫إ ﻋﺎ د ة ا ﻷ ﻃ ﻔﺎ ل اﻟ ﻤ ﻌﺎﻟﻴ ﻦ‬
Emergency dental care 300 USD Excess 75 USD (amount to be paid by the insured in the event
‫ا ﻟ ﻌ ﻼ ﺟ ﺎ ت ا ﻟ ﺴﻨﻴ ﺔ ا ﻟ ﻄ ﺎ رﺋ ﺔ‬ of a claim)
Compensation for in-flight loss of checked-in baggage
30 USD/KG
‫ا ﻟ ﺘ ﻌ ﻮ ﻳ ﺾ ﻋ ﻦ ﻓ ﻘ ﺪا ن ا ﻟ ﺤ ﻘ ﺎ ﺋ ﺐ ا ﻟ ﻤ ﺴ ﺠ ﻠ ﺔ‬
Trip Cancellation
150 USD
‫اﻟ ﻐﺎ ء اﻟ ﺮ ﺣﻠ ﺔ‬

For inquiries call us on 800 382 467

PLEASE KEEP THIS LETTER OF CONFIRMATION WITH YOU AT ALL In case of emergency or request of assistance, call us on:
TIMES. +33 9 70 73 22 47 or +961 9 211 662 or
IN THE EVENT OF ANY CLAIM COVERED UNDER THIS POLICY THE BENEFICIARY OR ANY 1-514-448-4417 or send an email to:
PERSON ACTING IN HIS PLACE WILL NECESSARILY CONTACT IN THE SHORTEST POSSIBLE
TIME IN EVRY CASE THE ALARM CENTER (24 Hrs ./7 days) request@swanassistance.com
You will be asked to provide the reference of this letter and/or show this document. This
purchase is non-refundable. Please refer to your receipt.

Confirmation Code AUTHORIZED SIGNATORY AND STAMP

For official use, scan the above code to validate this confirmation letter.
 TRAVEL POLICY SCHEDULE - ‫ﺟﺪول وﺛﻴﻘﺔ ﺗﺄﻣﻴﻦ ﺳﻔﺮ‬

Policy Holder / ‫اﺳﻢ اﻟﻤﺆﻣﻦ ﻟﻪ‬ OSAMA NIMER JAMIL HOURANI . Policy No / ‫رﻗﻢ اﻟﻮﺛﻴﻘﺔ‬ AAJ-22-0005697-2

Policy Issue Date/ ‫ﺗﺎرﻳﺦ اﺻﺪار اﻟﻮﺛﻴﻘﺔ‬ 27-11-2022

P.O.Box & Address / ‫رﻗﻢ ﺻﻨﺪوق اﻟﺒﺮﻳﺪ و‬
‫ا ﻟ ﻌ ﻨ ﻮا ن‬
No of days per trip / ‫ﻋﺪد أﻳﺎم اﻟﺮﺣﻠﺔ‬ 92

Mobile Number / ‫رﻗﻢ اﻟﻬﺎﺗﻒ اﻟﻤﺤﻤﻮل‬ Effective from / ‫ﻓﻌﺎل ﻣﻦ ﺗﺎرﻳﺦ‬ 10-12-2022

Nationality / ‫اﻟﺠﻨﺴﻴﺔ‬ Jordan Expiry on / ‫ﻳﻨﺘﻬﻲ ﺑﺘﺎرﻳﺦ‬ 11-03-2023

Premium as per the agreed schedule of

Passport Number/ ‫رﻗﻢ ﺟﻮاز اﻟﺴﻔﺮ‬ T1268106
rates/ ‫ﻗﺴﻂ وﻓﻘﺎ ﻟﺠﺪول اﻷﺳﻌﺎر اﻟﻤﺘﻔﻖ ﻋﻠﻴﻪ‬

No. of consecutive days per trip / ‫ﻋﺪد أﻳﺎم‬

Date of Birth / ‫ﺗﺎرﻳﺦ اﻟﻤﻴﻼد‬ 21-06-1988 62
‫ا ﻟ ﺮ ﺣ ﻠ ﺔ ﻋ ﻠ ﻰ ا ﻟ ﺘ ﻮا ﻟ ﻲ‬

Geographical Scope / ‫اﻟﻤﻨﺎﻃﻖ اﻟﺘﻲ ﺗﻐﻄﻴﻬﺎ‬

Plan B - Worldwide "Excluding USA, Canada, Australia, Japan"
‫ا ﻟ ﻮﺛ ﻴ ﻘ ﺔ‬

Destination / ‫اﻟﻮﺟﻬﺔ‬ Jamaica

Summary of Covers / 50,000.00 ‫اﻟﺘﻐﻄﻴﺎت‬ Limits / ‫اﻟﺴﻘﻮف‬

Medical expenses and hospitalization abroad 50 000 USD Excess 500 USD (amount to be paid by the insured in the
‫اﻟﻨ ﻔ ﻘﺎ ت اﻟ ﻄﺒﻴ ﺔ و اﻟ ﻌ ﻼ ج ﻓ ﻲ اﻟ ﻤ ﺴﺘ ﺸ ﻔﻴﺎ ت ﺧﺎ ر ج ﺑﻠ ﺪ ا ﻹ ﻗﺎ ﻣ ﺔ‬ event of a claim)
Covid 19 expenses and hospitalization – Max age 75 years
50 000 USD Excess 500 USD (amount to be paid by the insured in the
‫ا ﻟ ﻌ ﻼ ج ﻓ ﻲ ا ﻟ ﻤ ﺴ ﺘ ﺸ ﻔ ﻴ ﺎ ت ﺟ ﺮا ء ا ﻹ ﺻ ﺎ ﺑ ﺔ ﺑ ﻔ ﻴ ﺮ و س ﻛ ﻮ ر و ﻧ ﺎ – ﻳ ﺠ ﺐ ا ن ﻻ ﻳ ﺰ ﻳ ﺪ ﻋ ﻤ ﺮ‬
event of a claim)
‫ ﺳﻨﺔ )ﺗﻄﺒﻖ ﻓﻘﻂ ﻋﻠﻰ ﺗﻌﻐﻄﻴﺔ ﻛﻮروﻧﺎ‬75 ‫)اﻟﻤﺆﻣﻦ ﻟﻪ ﻋﻦ‬
Quarantine Expenses (accommodation only, per day max 14 days)
75 USD
( ‫ ﻳﻮﻣﺎ‬14‫ ﻓﻲ اﻟﻴﻮم ﺑﺤﺪ أﻗﺼﻰ‬، ‫ﻧﻔﻘﺎت اﻟﺤﺠﺮ اﻟﺼﺤﻲ )اﻹﻗﺎﻣﺔ ﻓﻘﻂ‬
Emergency Medical Repatriation and Evacuation
Actual Exp. Within the sum insured
‫ا ﻹ ﻋ ﺎ د ة ا ﻟ ﻄ ﺒ ﻴ ﺔ ا ﻟ ﻄ ﺎ ر ﺋ ﺔ وا ﻻ ﺧ ﻼ ء‬
Repatriation of mortal remains
Actual Exp. Within the sum insured
‫إ ﻋ ﺎ د ة ر ﻓ ﺎ ت ا ﻟ ﻤ ﻮﺗ ﻰ ا ﻟ ﻰ ا ر ض ا ﻟ ﻮ ﻃ ﻦ‬
Return of dependent Child
1,000 USD
‫إ ﻋﺎ د ة ا ﻷ ﻃ ﻔﺎ ل اﻟ ﻤ ﻌﺎﻟﻴ ﻦ‬
Emergency dental care 300 USD Excess 75 USD (amount to be paid by the insured in the event
‫ا ﻟ ﻌ ﻼ ﺟ ﺎ ت ا ﻟ ﺴﻨﻴ ﺔ ا ﻟ ﻄ ﺎ رﺋ ﺔ‬ of a claim)
Compensation for in-flight loss of checked-in baggage
30 USD/KG
‫ا ﻟ ﺘ ﻌ ﻮ ﻳ ﺾ ﻋ ﻦ ﻓ ﻘ ﺪا ن ا ﻟ ﺤ ﻘ ﺎ ﺋ ﺐ ا ﻟ ﻤ ﺴ ﺠ ﻠ ﺔ‬
Trip Cancellation
150 USD
‫اﻟ ﻐﺎ ء اﻟ ﺮ ﺣﻠ ﺔ‬

For inquiries call us on 800 382 467

PLEASE KEEP THIS LETTER OF CONFIRMATION WITH YOU AT ALL In case of emergency or request of assistance, call us on:
TIMES. +33 9 70 73 22 47 or +961 9 211 662 or
IN THE EVENT OF ANY CLAIM COVERED UNDER THIS POLICY THE BENEFICIARY OR ANY 1-514-448-4417 or send an email to:
PERSON ACTING IN HIS PLACE WILL NECESSARILY CONTACT IN THE SHORTEST POSSIBLE
TIME IN EVRY CASE THE ALARM CENTER (24 Hrs ./7 days) request@swanassistance.com
You will be asked to provide the reference of this letter and/or show this document. This
purchase is non-refundable. Please refer to your receipt.

Confirmation Code AUTHORIZED SIGNATORY AND STAMP

For official use, scan the above code to validate this confirmation letter.
‫‪Travel Insurance Policy Terms & Conditions DEFINITIONS‬‬
‫‪“Insurer” or “The Company” means:‬‬
‫‪The Insurance Company, Arab Assurers Insurance, registered‬‬
‫‪and authorized in the country in which this insurance policy is‬‬
‫‪issued and subscribed.‬‬
‫‪“The Assistance Company” means:‬‬
‫‪SWAN, the company provided by the Insurer for the purpose‬‬
‫‪of supplying the covers of this policy, directly or by means of‬‬
‫‪its network, on the Insurer’s behalf.‬‬
‫‪“Policyholder” means:‬‬
‫‪The natural or legal person who subscribes the policy with the‬‬
‫‪Insurer and who is bound by the obligations arising therefore,‬‬
‫‪save those which, owing to their nature, must be complied‬‬
‫‪with by the Insured.‬‬
‫‪“Insured Person” means:‬‬
‫‪Within the validity period of the policy, the person aged‬‬
‫‪between 3 months and 80 years, whose name and address are‬‬
‫‪specified in the policy, with respect to whom the premium has‬‬
‫‪been paid before his/her travel and who is a permanent‬‬
‫‪resident of the country where the policy was issued.‬‬
‫‪Not eligible as “Insured Person”:‬‬
‫‪a)Insured intending to travel more than 62 or 92 cumulative‬‬
‫‪days.‬‬
‫‪b)Persons of less than 3 months of age.‬‬
‫‪c)Persons aged from 81 years old.‬‬
‫;‪d)Non-residents in the country where the policy is issued‬‬
‫‪e)Those who have initiated the trip prior to the insurance‬‬
‫‪underwriting.‬‬
‫‪f)Insured travelling for work reasons (paid or otherwise),‬‬
‫‪undertaking physical or manual hazardous activities such as:‬‬
‫ﺗ ﻌ ﻨ ﻲ ﺣﺎﻟ ﺔ ﺗ ﺸ ﻜ ﻞ ﺑ ﺮأ ي " ﺷ ﺮ ﻛ ﺔ اﻟ ﺨ ﺪ ﻣﺎ ت " اﻟ ﻄﺎ رﺋ ﺔ ﻃ ﺒ ﻴﺎ ً ﺧ ﻄ ﻴ ﺮا ً ﻳ ﺘ ﻄ ﻠ ﺐ ﻣ ﻌﺎﻟ ﺠ ﺔ ﻟ ﺘ ﻔﺎ د ي‬
‫‪driving vehicles, use of machinery, loading and unloading,‬‬
‫‪working at heights or in confined spaces, assembly of‬‬
‫‪machinery, working on floating or underwater platforms,‬‬
‫‪mines or quarries, use of chemical substances, laboratory‬‬
‫ﺑ ﺤ ﺴ ﺐ اﻟ ﺸ ﺮ و ط اﻟ ﻤ ﻮ ﺿ ﺤ ﺔ ا ﻋ ﻼ ه و اﻟ ﺘ ﻲ ﺗ ﻜ ﻮ ن ﻓ ﻲ رأ ي اﻟ ﻔ ﺮﻳ ﻖ اﻟ ﻄ ﺒ ﻲ اﻟ ﺨﺎ ص " ﺑ ﺸ ﺮ ﻛ ﺔ‬
‫‪work of any kind and any other hazardous activities.‬‬
‫‪“Beneficiary” means:‬‬
‫‪Person or persons for whom the Insured recognizes the right‬‬
‫‪to receive the corresponding amount of compensation as‬‬
‫‪outlined in this contract. Should no one have been specified,‬‬
‫‪the compensation will form part of the Insured’s estate.‬‬
‫‪“Children” means:‬‬
‫‪Persons from 3 months to 18 years old.‬‬
‫‪“Spouse” means:‬‬
‫‪Person officially registered as wife or husband of the Insured.‬‬
‫‪“Usual Country of Residence” means:‬‬
‫‪The country where the Insured person is a permanent resident‬‬
‫‪and where the Policy is issued by the Insurer.‬‬
‫‪“Illness” means:‬‬
‫‪Any change in health diagnosed and confirmed by a legally‬‬
‫‪recognised doctor during the life of the policy and which is‬‬
‫‪not comprised or derived from either of the following two‬‬
‫‪groups: Congenital disease: the disease that exists at the‬‬
‫‪moment of birth as a consequence of hereditary factors or‬‬
‫‪complaints acquired during pregnancy, even if it wasn’t‬‬
‫‪diagnosed or known. Pre-existing disease: the disease that the‬‬
‫‪Insured suffered prior to the date of trip, even if it wasn’t‬‬
‫‪diagnosed or known.‬‬
‫‪“Serious Illness” means:‬‬
‫‪Any illness with the conditions described above, that requires‬‬
‫‪admission to hospital and which, in the opinion of the‬‬
‫‪Assistance Company's medical team, prevents the Insured‬‬
‫‪) :‬اﻟ ﺠ ﺰ ء ا ﻻ و ل ‪ :‬ﺗ ﻌ ﺮﻳ ﻔﺎ ت اﻟ ﺸ ﺮ و ط و ا ﻷ ﺣ ﻜﺎ م ) وﺛ ﻴ ﻘ ﺔ ﺗﺄ ﻣ ﻴ ﻦ اﻟ ﺴ ﻔ ﺮ‬
‫ﺗ ﻌﺎ رﻳ ﻒ‬
‫‪ .‬ﺷ ﺮ ﻛ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ ‪ :‬ﺷ ﺮ ﻛ ﺔ اﻟ ﻀﺎ ﻣ ﻨ ﻮ ن اﻟ ﻌ ﺮ ب ﻟ ﻠ ﺘﺄ ﻣ ﻴ ﻦ ‪ ،‬و ﻣ ﻜ ﺘ ﺒ ﻬﺎ اﻟ ﺮﺋ ﻴ ﺴ ﻲ ﻓ ﻲ ﻋ ﻤﺎ ن –‬
‫اﻻردن ‪1-‬‬
‫‪ -2‬ﺷﺮﻛﺔ اﻟﺨﺪﻣﺎت‪ ,‬ﺗﻌﻨﻲ ‪ :‬ﺷﺮﻛﺔ اﻟﻤﺴﺎﻋﺪة ‪SWAN‬‬
‫‪ - 3‬ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ‪ :‬ا ﻟ ﺸ ﺨ ﺺ ا ﻟ ﺬ ي أ ﺑ ﺮ م ﻣ ﻊ ا ﻟ ﻤ ﺆ ﻣ ﻦ و ﺛ ﻴ ﻘ ﺔ ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻦ ‪.‬‬
‫‪ :‬ﻟ ﻦ ﻳ ﻜ ﻮ ن أ ي ﻣ ﻦ ا ﻻ ﺷ ﺨﺎ ص اﻟﺘﺎﻟﻴﻴ ﻦ " ﻛ ﺸ ﺨ ﺺ ﻣ ﺆ ﻣ ﻦ ﻟ ﻪ " ﻳ ﻌﻨ ﻲ‬
‫أ‪.‬اﻟﻤﺆﻣﻦ ﻟﻪ اﻟﺬي ﻳﻨﻮي اﻟﺴﻔﺮ ﻷﻛﺜﺮ ﻣﻦ ‪ 62‬او ‪ 92‬ﻳﻮﻣﺎ ﺗﺮاﻛﻤﻴﺎ ‪.‬‬
‫ب‪ .‬ﻓﻴ ﻤﺎ ﻟ ﻮ ﻛﺎ ن اﻟ ﻤ ﺴﺎ ﻓ ﺮ ﻋ ﻤ ﺮ ه ا ﻗ ﻞ ﻣ ﻦ ‪ 3‬ا ﺷ ﻬ ﺮ ‪.‬‬
‫ج‪ .‬ﻓﻴﻤﺎ ﻟﻮ ﻛﺎن اﻟﻤﺴﺎﻓﺮ ﻋﻤﺮه اﻛﺜﺮ ﻣﻦ ‪ 80‬ﻋﺎﻣﺎ‪.‬‬
‫د ‪ .‬ا ﻻ ﺷ ﺨﺎ ص ﻏ ﻴ ﺮ اﻟ ﻤ ﻘ ﻴ ﻤ ﻴ ﻦ ﻓ ﻲ اﻟ ﺒ ﻠ ﺪ اﻟ ﺘ ﻲ ﺗ ﻢ ا ﺻ ﺪا ر اﻟ ﻮﺛ ﻴ ﻘ ﺔ ﻣ ﻨ ﻪ ‪.‬‬
‫ﻫـ‪ -‬ﻓﻴﻤﺎ ﻟﻮ ﻛﺎن اﻟﻤﺴﺎﻓﺮ ﻋﻤﺮه أﻛﺜﺮ ﻣﻦ ‪ 75‬ﻋﺎﻣﺎ ً )ﺗﻄﺒﻖ ﻓﻘﻂ ﻋﻠﻰ ﺗﻐﻄﻴﺔ ﻓﺎﻳﺮوس‬
‫ﻛﻮروﻧﺎ )‪Covid-19‬‬
‫و ‪ .‬ا ﻻ ﺷ ﺨﺎ ص اﻟ ﺬﻳ ﻦ ﺑ ﺪأ اﻟ ﺮ ﺣ ﻠ ﺔ ) ﻓ ﺘ ﺮ ة اﻟ ﺴ ﻔ ﺮ ( ﻗ ﺒ ﻞ ﻋ ﻤ ﻠ ﻴ ﺔ ا ﻹ ﻛ ﺘ ﺘﺎ ب اﻟ ﺘﺄ ﻣ ﻴ ﻨ ﻴ ﺔ ‪ .‬ي ‪ .‬ﻓ ﻴ ﻤﺎ ا ذا‬
‫ﻛﺎ ن اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻳ ﺴﺎ ﻓ ﺮ ﻷ ﻏ ﺮا ض اﻟ ﻌ ﻤ ﻞ )اﻟ ﻤ ﺪ ﻓ ﻮ ﻋ ﺔ أ و ﻏ ﻴ ﺮ ذﻟ ﻚ ( ‪ ،‬واﻟ ﻘ ﻴﺎ م ﺑﺄﻧ ﺸ ﻄ ﺔ‬
‫ﺟ ﺴ ﺪ ﻳ ﺔ ﺧ ﻄ ﺮ ة أ و ﻳ ﺪ و ﻳ ﺔ ﺧ ﻄ ﺮ ة ﻣ ﺜ ﻞ‪ :‬ﻗ ﻴ ﺎ د ة ا ﻟ ﻤ ﺮ ﻛ ﺒ ﺎ ت ‪ ،‬و ا ﺳ ﺘ ﺨ ﺪ ا م ا ﻵ ﻻ ت ‪ ،‬و ا ﻟ ﺘ ﺤ ﻤ ﻴ ﻞ‬
‫واﻟ ﺘ ﻨ ﺰﻳ ﻞ ‪ ،‬واﻟ ﻌ ﻤ ﻞ ﻋ ﻠ ﻰ ا رﺗ ﻔﺎ ﻋﺎ ت أ و ﻓ ﻲ ا ﻷ ﻣﺎ ﻛ ﻦ اﻟ ﻀ ﻴ ﻘ ﺔ ‪ ،‬وﺗ ﺠ ﻤ ﻴ ﻊ ا ﻵ ﻻ ت ‪ ،‬واﻟ ﻌ ﻤ ﻞ‬
‫ﻋ ﻠ ﻰ ﻣ ﻨ ﺼﺎ ت ﻋﺎﺋ ﻤ ﺔ أ و ﺗ ﺤ ﺖ اﻟ ﻤﺎ ء ‪ ،‬اﻟ ﻤ ﻨﺎ ﺟ ﻢ أ و اﻟ ﻤ ﺤﺎ ﺟ ﺮ ‪ ،‬وا ﺳ ﺘ ﺨ ﺪا م اﻟ ﻤ ﻮا د اﻟ ﻜ ﻴ ﻤ ﻴﺎﺋ ﻴ ﺔ ‪،‬‬
‫واﻟ ﻌ ﻤ ﻞ ﻓ ﻲ اﻟ ﻤ ﺨ ﺘ ﺒ ﺮا ت ﻣ ﻦ أ ي‬
‫ﻧ ﻮ ع وأ ي أﻧ ﺸ ﻄ ﺔ ﺧ ﻄ ﺮ ة أ ﺧ ﺮ ى ‪.‬‬
‫‪ 4‬اﻟ ﻤ ﺴ ﺘ ﻔ ﻴ ﺪ ﺗ ﻌ ﻨ ﻲ ‪ :‬اﻟ ﺸ ﺨ ﺺ أ و ا ﻷ ﺷ ﺨﺎ ص اﻟ ﺬﻳ ﻦ ﻳ ﻘ ﺮ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻬ ﻢ ﺑ ﺤ ﻘ ﻪ ‪/‬ﺑ ﺤ ﻘ ﻬ ﻢ ﻓ ﻲ‬
‫ا ﺳ ﺘ ﻼ م ﻣ ﺒ ﻠ ﻎ ا ﻟ ﺘ ﻌ ﻮﻳ ﺾ ا ﻟ ﻤ ﻘ ﺎﺑ ﻞ ا ﻟ ﻤ ﺒ ﻴ ﻦ ﻓ ﻲ ﻫ ﺬ ه ا ﻟ ﻮﺛ ﻴ ﻘ ﺔ‪ ,‬و ﻓ ﻲ ﺣ ﺎ ﻟ ﺔ ﻋ ﺪ م ﺗ ﺤ ﺪﻳ ﺪ أ ي‬
‫ﺷ ﺨ ﺺ ‪ ،‬ﺳ ﻴ ﺸ ﻜ ﻞ اﻟ ﺘ ﻌ ﻮﻳ ﺾ ﺟ ﺰ ءا ﻣ ﻦ ﺗ ﺮ ﻛ ﺔ اﻟ ﻤ ﺆ ﻣ ﻦ‬
‫ﻟ ﻪ‪.‬‬
‫‪ 5‬اﻻﻃﻔﺎل ﺗﻌﻨﻲ ‪ :‬ﻫﻢ اﻟﻤﺴﺎﻓﺮﻳﻦ اﻟﺬي ﺗﺒﺪأ أﻋﻤﺎرﻫﻢ ﻣﻦ ‪ 3‬اﺷﻬﺮ اﻟﻰ ‪ 18‬ﺳﻨﺔ ‪.‬‬
‫‪ 6‬ا ﻟ ﺰ و ج \ـ ﺔ ﻳ ﻌ ﻨ ﻲ ‪ :‬ﻫ ﻲ ا ﻟ ﺸ ﺨ ﺺ ا ﻟ ﻤ ﺴ ﺠ ﻞ ‪ /‬ا ﻟ ﻤ ﻮ ﺛ ﻖ ر ﺳ ﻤ ﻴ ﺎ ﻛ ﺰ و ج ا و ز و ﺟ ﺔ ﻟ ﻠ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ‪.‬‬
‫‪7‬ﺑ ﻠ ﺪ ا ﻻ ﻗﺎ ﻣ ﺔ اﻟ ﻤ ﻌ ﺘﺎ د ة ﺗ ﻌ ﻨ ﻲ ‪:‬‬
‫ﻫ ﻲ اﻟ ﺪ وﻟ ﺔ اﻟ ﺘ ﻲ ﻳ ﻘ ﻊ ﻓ ﻴ ﻬﺎ ﻋ ﻨ ﻮا ن اﻟ ﺴ ﻜ ﻦ اﻟ ﺪاﺋ ﻢ ﻟ ﻠ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ و ﻟ ﺪﻳ ﻪ إ ﻗﺎ ﻣ ﺔ داﺋ ﻤ ﺔ ﻛ ﻤﺎ ﻫ ﻮ‬
‫وا ر د ﻓ ﻲ وﺛ ﻴ ﻘ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ ‪ 8 .‬ا ﻓ ﺮا د اﻟ ﻌﺎﺋ ﻠ ﺔ اﻟ ﻤ ﺒﺎ ﺷ ﺮﻳ ﻦ ﺗ ﻌ ﻨ ﻲ ‪:‬‬
‫اﻟﺰوج‪/‬اﻟﺰوﺟﺔ واﻻﻃﻔﺎل واﻟﻮاﻟﺪان واﻻﺧﻮة‪/‬اﻻﺧﻮات‪9 .‬اﻟﻤﺮض ﻳﻌﻨﻲ ‪ :‬ﻫﻲ اي ﺗﻐﻴﺮ ﻓﻲ‬
‫اﻟ ﺤﺎﻟ ﺔ اﻟ ﺼ ﺤ ﻴ ﺔ اﻟ ﺘ ﻲ ﻳ ﺘ ﻢ ﺗ ﺸ ﺨ ﻴ ﺼ ﻬﺎ و ﺗﺄ ﻛ ﻴ ﺪ ﻫﺎ ﻣ ﻦ ﻗ ﺒ ﻞ اﻟ ﻄ ﺒ ﻴ ﺐ اﻟ ﻤ ﻌ ﺘ ﺮ ف ﺑ ﻪ ﻗﺎﻧ ﻮﻧ ﻴﺎ ﺧ ﻼ ل‬
‫ﻓ ﺘ ﺮ ة ﺳ ﺮ ﻳ ﺎ ن ا ﻟـ ﺘ ﺄ ﻣ ﻴ ﻦ و ﻻ ﻳ ﺘ ﺄ ﻟ ﻒ أ و ﻳ ﺸ ﺘ ﻖ ﻣ ﻦ أ ي ﻣ ﻦ ا ﻟ ﻤ ﺠ ﻤ ﻮ ﻋ ﺘ ﻴ ﻦ ا ﻻ ﺗ ﻴ ﺘ ﻴ ﻦ‪ :‬أ ‪ -‬ا ﻟ ﻤ ﺮ ض‬
‫اﻟ ﺨ ﻠ ﻘ ﻲ ‪ :‬اﻟ ﻤ ﺮ ض اﻟ ﻤ ﻮ ﺟ ﻮ د ﻣ ﻦ ﻟ ﺤ ﻈ ﺔ اﻟ ﻮ ﻻ د ة و ذﻟ ﻚ ﻧ ﺘ ﻴ ﺠ ﺔ ﻟ ﻠ ﻌ ﻮا ﻣ ﻞ اﻟ ﻮ راﺛ ﻴ ﺔ أ و اﻟ ﺸ ﻜﺎ و ى‬
‫اﻟ ﺤﺎ ﺻ ﻠ ﺔ أﺛ ﻨﺎ ء اﻟ ﺤ ﻤ ﻞ و ﺣ ﺘ ﻰ ﻟ ﻮ ﻟ ﻢ ﻳ ﺘ ﻢ ﺗ ﺸ ﺨ ﻴ ﺼ ﻬﺎ أ و ﻣ ﻌ ﺮ ﻓ ﺘ ﻬﺎ ‪.‬‬
‫ب ‪ -‬اﻟ ﻤ ﺮ ض اﻟ ﻤ ﻮ ﺟ ﻮ د ﺳﺎﺑ ﻘﺎ ‪ :‬أ ي اﻟ ﻤ ﺮ ض اﻟ ﺬ ي ﻳ ﻌﺎﻧ ﻲ ﻣ ﻨ ﻪ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻣ ﻦ ﻗ ﺒ ﻞ ﺗﺎ رﻳ ﺦ‬
‫اﻟﺮﺣﻠﺔ و ﺣﺘﻰ ﻟﻮ ﻟﻢ ﻳﺘﻢ ﺗﺸﺨﻴﺼﻪ أو ﻣﻌﺮﻓﺘﻪ‪10 .‬اﻷﻣﺮاض اﻟﺨﻄﻴﺮة ﺗﻌﻨﻲ ‪:‬‬
‫اﻟ ﻮ ﻓﺎ ه أ و اﻟ ﺤﺎ ﻻ ت اﻟ ﺨ ﻄ ﻴ ﺮ ة ﻟ ﻸ ﺣ ﻮا ل اﻟ ﺼ ﺤ ﻴ ﺔ اﻟ ﺤﺎﻟ ﻴ ﺔ أ و ﻃ ﻮﻳ ﻠ ﺔ ا ﻷ ﻣ ﺪ ﻟ ﻠ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ‪.‬‬
‫‪11‬اﻻﺻﺎﺑﺔ ﺗﻌﻨﻲ ‪:‬‬
‫ﺗ ﻌ ﺮ ض اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻟ ﻤ ﺮ ض ﻣ ﻔﺎ ﺟ ﺊ ﻃﺎ ر ئ أ و ﺷ ﺪﻳ ﺪ ﺑ ﺴ ﺒ ﺐ ﺧﺎ ر ج ﻋ ﻦ إ را د ة اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ‬
‫ﺧﻼل ﻓﺘﺮة ﺳﺮﻳﺎن ﻫﺬه اﻟﻮﺛﻴﻘﺔ أﺛﻨﺎء اﻟﺮﺣﻠﺔ ‪12 .‬اﻻﺻﺎﺑﺎت اﻟﺨﻄﻴﺮة ﺗﻌﻨﻲ ‪ :‬ﻫﻲ إﺻﺎﺑﺔ‬
‫اﻟ ﺨ ﺪ ﻣﺎ ت " ﺗ ﻤ ﻨ ﻊ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻣ ﻦ ﻣ ﻮا ﺻ ﻠ ﺔ اﻟ ﺴ ﻔ ﺮ ﻓ ﻲ اﻟ ﺘﺎ رﻳ ﺦ اﻟ ﻤ ﺨ ﻄ ﻂ ﻟ ﻪ أ و ﺗ ﻨ ﻄ ﻮ ي ﻋ ﻠ ﻰ‬
‫ﺧﻄﺮ‬
‫اﻟﻮﻓﺎة‪13 .‬اﻟﺤﺎدث ﻳﻌﻨﻲ ‪ :‬ﻫﻲ اﻻﺻﺎﺑﺔ اﻟﺠﺴﺪﻳﺔ اﻟﺘﻲ ﺗﻢ اﻟﺘﻌﺮض ﻟﻬﺎ اﻟﻤﺆﻣﻦ ﻟﻪ ﺧﻼل‬
‫ﻓﺘ ﺮ ة ﻣ ﺪ ة اﻟﺘﺄ ﻣﻴ ﻦ و اﻟﺘ ﻲ ﺗﻨ ﺠ ﻢ ﻋ ﻦ ﺳﺒ ﺐ ﺧﺎ ر ﺟ ﻲ ﻋﻨﻴ ﻒ و ﻣ ﻔﺎ ﺟ ﺊ و ﻟ ﻢ ﻳ ﻘ ﺼ ﺪ ه اﻟ ﻤ ﺆ ﻣ ﻦ‬
‫ﻟ ﻪ ﻷ ﻏ ﺮا ض ﻫ ﺬ ه اﻟ ﻮﺛ ﻴ ﻘ ﺔ و ﻳ ﺠ ﺐ اﻳ ﻀﺎ ﺗ ﻔ ﺴ ﻴ ﺮ ﻣﺎ‬
‫ﻳ ﻠ ﻲ ﻋ ﻠ ﻰ ا ﻧ ﻪ ﺣ ﺎ د ث‪:‬‬
‫أ ‪ -‬ﺣﺎ د ث إ ﺧ ﺘ ﻨﺎ ق أ و ا ﻻ ﺻﺎﺑ ﺔ اﻟ ﺬ ي ﻳ ﻨ ﺘ ﺞ ﻋ ﻦ اﻟ ﻐﺎ زا ت و ا ﻻﺑ ﺨ ﺮ ة ﻣ ﻦ إ ﺳ ﺘ ﻬ ﻼ ك اﻟ ﻤ ﻮا د اﻟ ﺴﺎﺋ ﻠ ﺔ‬
‫ا و اﻟ ﺼ ﻠ ﺒ ﺔ ﺑ ﺨ ﻼ ف اﻟ ﻤ ﻮا د اﻟ ﻐ ﺬاﺋ ﻴ ﺔ ‪.‬‬
‫ب ‪ -‬ا ﻻﻟ ﺘ ﻬﺎﺑﺎ ت اﻟ ﻨﺎﺗ ﺠ ﺔ ﻋ ﻦ ﺣﺎ د ث ﺿ ﻤ ﻦ ﺗ ﻐ ﻄ ﻴ ﻪ اﻟ ﻮﺛ ﻴ ﻘ ﺔ ‪.‬‬
‫ج ‪ -‬ا ﻻ ﺻﺎﺑﺎ ت اﻟ ﻨﺎﺗ ﺠ ﺔ ﻋ ﻦ اﻟ ﻌ ﻤ ﻠ ﻴﺎ ت اﻟ ﺠ ﺮا ﺣ ﻴ ﺔ أ و ﻋ ﻼ ﺟﺎ ت ﻃ ﺒ ﻴ ﺔ ﻧﺎﺗ ﺠ ﺔ ﻋ ﻦ ﺣﺎ د ث ﻣ ﻐ ﻄ ﻰ‬
‫ﺑ ﻮﺛ ﻴ ﻘ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ ‪.‬‬
‫‪14‬اﻟﻌﻨﺎﻳﺔ اﻟﻄﺎرﺋﺔ ﻟﻸﺳﻨﺎن ﺗﻌﻨﻲ ‪:‬‬
‫أ ي ﻣ ﻌﺎﻟ ﺠ ﺔ أ ﺳ ﻨﺎ ن ﻃ ﺒ ﻴ ﻌ ﻴ ﺔ ﻳ ﻐ ﻄ ﻴ ﻬﺎ اﻟ ﺘﺄ ﻣ ﻴ ﻦ و ذﻟ ﻚ ﺑ ﺴ ﺒ ﺐ ﺣﺎﻟ ﺔ ﺑ ﺪأ ت ﻓ ﺠﺄ ة ﻋ ﻨ ﺪ اﻟ ﺴ ﻔ ﺮ وﻟ ﻢ‬
‫ﺗ ﺤ ﺪ ث ﺑ ﺴ ﺒ ﺐ أ ي ﺣﺎﻟ ﺔ ﻣ ﻮ ﺟ ﻮ د ة ﺳﺎﺑ ﻘﺎ و ﺗ ﻢ ﺗ ﻮﺛ ﻴ ﻘ ﻬﺎ ﻣ ﻦ ﺧ ﻼ ل ﺗ ﻘ ﺮﻳ ﺮ ﻃ ﺒ ﻴ ﺐ ا ﻷ ﺳ ﻨﺎ ن ‪.‬‬
‫‪15‬اﻟﻄﺒﻴﺐ او اﻟﻤﺨﺘﺺ ﻳﻌﻨﻲ ‪:‬‬
‫اﻟ ﻤ ﻤﺎ ر س اﻟ ﻄ ﺒ ﻲ واﻟ ﻤ ﺴ ﺠ ﻞ ر ﺳ ﻤ ﻴﺎ و ﻓ ﻘﺎ ﻟ ﻘﺎﻧ ﻮ ن اﻟ ﻤ ﻜﺎ ن اﻟ ﺬ ي ﺗ ﺤ ﺪ ث ﻓ ﻴ ﻪ اﻟ ﻤ ﻄﺎﻟ ﺒ ﺔ ‪.‬‬
‫‪16‬ﻣﺎدة اﻟﺘﻮاﻟﻒ اﻟﻌﻈﺎﻣﻴﺔ ﺗﻌﻨﻲ ‪ :‬ﻫﻲ اﻷﺟﺰاء أو اﻟﻘﻄﻊ ﻣﻦ اﻟﻤﻌﺪن أو ﻣﻦ أي ﻧﻮع آﺧﺮ‬
‫ﻳﺘﻢ اﺳﺘﺨﺪاﻣﻬﺎ ﻟﺮﺑﻂ أﻃﺮاف اﻟﻌﻈﺎم اﻟﻤﻜﺴﻮرة ﻣﻌًﺎ ‪ ،‬أو ﻟﺮﺑﻂ أﻃﺮاف اﻟﻤﻔﺎﺻﻞ ﻣﻌﺎ ‪،‬‬
‫ﻋ ﻦ ﻃ ﺮﻳ ﻖ ﻋ ﻤ ﻠ ﻴ ﺔ ﺟ ﺮا ﺣ ﻴ ﺔ واﻟ ﺘ ﻲ ﻳ ﻤ ﻜ ﻦ إ ﻋﺎ د ة‬
‫ا ﺳ ﺘ ﺨ ﺪا ﻣ ﻬﺎ اﻳ ﻀﺎ ‪.‬‬
‫‪ 17‬ﻣﺎدة ﺗﻘﻮﻳﻢ اﻟﻌﻈﺎم ﺗﻌﻨﻲ ‪:‬‬
‫ﻫ ﻲ ا ﻻ ﺟ ﺰا ء اﻟ ﺘ ﺸ ﺮﻳ ﺤ ﻴ ﺔ ﻣ ﻦ أ ي ﻧ ﻮ ع ﺗ ﺴ ﺘ ﺨ ﺪ م ﻟ ﻤ ﻨ ﻊ أ و ﺗ ﺼ ﺤ ﻴ ﺢ اﻟ ﺘ ﺸ ﻮ ﻫﺎ ت اﻟ ﻤ ﺆ ﻗ ﺘ ﺔ أ و‬
‫ا ﻟ ﺪ ا ﺋ ﻤ ﺔ ﻟ ﻠ ﺠ ﺴ ﻢ ﻣ ﺜ ﻞ‪ ) :‬ﻋ ﺼ ﻲ ا ﻟ ﻤ ﺸ ﻲ ‪ ,‬ﻃ ﻮ ق ﻋ ﻨ ﻖ ا ﻟ ﺮ ﺣ ﻢ ‪ ,‬ﻛ ﺮ ﺳ ﻲ ا ﻟ ﻤ ﺘ ﺤ ﺮ ك ‪ ..‬ا ﻟ ﺦ )‬
‫‪18‬اﻻﻋﻀﺎء اﻻﺻﻄﻨﺎﻋﻴﺔ ‪ -‬ﺗﻌﻨﻲ ‪ :‬ﻫﻲ اي ﻋﻨﺼﺮ ﻣﻦ أي ﻧﻮع ﻳﺤﻞ ﺑﺸﻜﻞ ﻣﺆﻗﺖ أو داﺋﻢ‬
‫ﻣ ﺤ ﻞ ) ﻓ ﻘ ﺪا ن ( ا و ﻋ ﺪ م و ﺟ ﻮ د ﻋ ﻀ ﻮ ا و ﻧ ﺴ ﻴ ﺞ ا و ﺳﺎﺋ ﻞ ﻋ ﻀ ﻮ ي أ و ﻋ ﻀ ﻮ أ و ﺟ ﺰ ء ﻣ ﻦ أ ي‬
‫ﻣ ﻨ ﻬﺎ ‪ ,‬و ﻋ ﻠ ﻰ ﺳ ﺒ ﻴ ﻞ اﻟ ﻤ ﺜﺎ ل ‪ :‬اﻟ ﻌ ﻨﺎ ﺻ ﺮ اﻟ ﻤ ﻴ ﻜﺎﻧ ﻴ ﻜ ﻴ ﺔ أ و اﻟ ﺒ ﻴ ﻮﻟ ﻮ ﺟ ﻴ ﺔ ﻣ ﺜ ﻞ أ ﺟ ﺰا ء ﺻ ﻤﺎ م اﻟ ﻘ ﻠ ﺐ ‪,‬‬
‫و ا ﺳ ﺘ ﺒ ﺪا ل اﻟ ﻤ ﻔﺎ ﺻ ﻞ و اﻟ ﺠ ﻠ ﺪ اﻟ ﺼ ﻨﺎ ﻋ ﻲ و اﻟ ﻌ ﺪ ﺳﺎ ت دا ﺧ ﻞ اﻟ ﻌ ﻴ ﻦ ‪ ,‬و اﻟ ﻤ ﻮا د اﻟ ﺒ ﻴ ﻮﻟ ﻮ ﺟ ﻴ ﺔ )‬
‫اﻟ ﻘ ﺮﻧ ﻴ ﺔ ( ‪ ,‬و اﻟ ﺴ ﻮاﺋ ﻞ و ﻛﺎﻟ ﻤ ﻮا د اﻟ ﻬ ﻼ ﻣ ﻴ ﺔ و ا ﻻ ﺻ ﻄ ﻨﺎ ﻋ ﻴ ﺔ أ و ﺷ ﺒ ﻪ‬
‫ا ﺻ ﻄ ﻨﺎ ﻋ ﻴ ﺔ اﻟ ﺘ ﻲ ﺗ ﺤ ﻞ ﻣ ﺤ ﻞ ا ﻻ ﺧ ﻼ ط اﻟ ﻌ ﻀ ﻮﻳ ﺔ أ و اﻟ ﺴ ﻮاﺋ ﻞ ‪ ,‬و ﺧ ﺰاﻧﺎ ت ا ﻻ د وﻳ ﺔ و اﻧ ﻈ ﻤ ﺔ‬
‫ا ﻟ ﻤ ﺘ ﺤ ﺮ ﻛ ﺔ ا ﻟ ﻌ ﻼ ج ﺑ ﺎ ﻷ و ﻛ ﺴ ﺠ ﻴ ﻦ ‪,,‬ا ﻟ ﺦ ‪.‬‬
‫‪ 19‬اﻟﺤﺪ" )اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ( ﺗﻌﻨﻲ ‪ :‬ﻫﻲ اﻟﻤﺒﺎﻟﻎ اﻟﻤﻨﺼﻮص ﻋﻠﻴﻬﺎ ﻓﻲ ﺷﺮوط ﻫﺬا‬
‫اﻟ ﺘﺄ ﻣ ﻴ ﻦ و ﺟ ﺪا و ل اﻟ ﺘ ﻐ ﻄ ﻴ ﺔ و اﻟ ﺤ ﺪ و د اﻟ ﻤﺎﻟ ﻴ ﺔ ﻟ ﻜ ﻞ ﺑ ﺮﻧﺎ ﻣ ﺞ ﻣ ﺨ ﺘ ﻠ ﻒ و اﻟ ﺘ ﻲ ﺗ ﻤ ﺜ ﻞ اﻟ ﺤ ﺪ‬
‫ا ﻻ ﻗ ﺼ ﻰ ﻟﻠ ﻤﻨ ﻔ ﻌ ﺔ ) ﻣﺎﻟﻴ ﺔ أ و ﻣ ﺆ ﻗﺘ ﺔ أ و ا ي ﻧ ﻮ ع أ ﺧ ﺮ ( اﻟﺘ ﻲ ﻳ ﻐ ﻄﻴ ﻬﺎ‬
‫‪from continuing travel on the date planned, or which involves‬‬
‫‪the risk of death. “Injury” means:‬‬
‫ﻧ ﻴﺎﺑ ﺔ ﻋ ﻨ ﻬ ﻢ أ ي و ﺳﺎﺋ ﻞ أ و إ ﺟ ﺮا ءا ت ا ﺣ ﺘ ﻴﺎﻟ ﻴ ﺔ ﻣ ﻦ أ ﺟ ﻞ اﻟ ﺤ ﺼ ﻮ ل ﻋ ﻠ ﻰ أ ي ﻣ ﻦ ﺗ ﻐ ﻄ ﻴﺎ ت ﻫ ﺬ ه‬
‫‪A medical problem caused by a sudden and severe external‬‬
‫‪cause or reason beyond the control of the Insured, within the‬‬
‫‪validity period of this Policy, during the trip.‬‬
‫‪“Serious Injury" means:‬‬
‫اﻟ ﻤ ﺨﺎ ﻃ ﺮ اﻟ ﺘ ﻲ ﺗ ﻘ ﺪ م ﻟ ﻪ‪ ،‬ﻋ ﻼ و ة ﻋ ﻠ ﻰ ذﻟ ﻚ اﻟ ﺮ ﺳ ﻮ م ا ﻻ ﺿﺎ ﻓ ﻴ ﺔ و اﻟ ﻀ ﺮاﺋ ﺐ اﻟ ﻤ ﻄ ﺒ ﻘ ﺔ ﻗﺎﻧ ﻮﻧ ﻴﺎ ‪.‬‬
‫‪An injury with the conditions described above which, in the‬‬
‫‪opinion of the Assistance Company's medical team, prevents‬‬
‫‪the Insured from continuing travel on the date planned or‬‬
‫‪involves the risk of death.‬‬
‫‪“Accident” means:‬‬
‫‪The bodily injury suffered during the life of the contract,‬‬
‫‪which derives from a violent, sudden, external cause and one‬‬
‫‪that is not intended by the Insured. For the purposes of this‬‬
‫‪policy, the following shall also be construed to be accidents:‬‬
‫‪a. Asphyxia or injuries as a consequence of gases or vapours,‬‬
‫‪immersion or submersion, or from the consumption of liquid‬‬
‫ﺧ ﻼ ل اﻟ ﻤ ﺴﺎ ر اﻟ ﻤ ﺒﺎ ﺷ ﺮ ﺑ ﻴ ﻦ ﻧ ﻘ ﻄ ﺔ اﻟ ﺨ ﺮ و ج أ و ﻣ ﻦ اﻟ ﻤ ﻨ ﺰ ل ) ﻣ ﻜﺎ ن ا ﻻ ﻗﺎ ﻣ ﺔ أ و اﻟ ﻔ ﻨ ﺪ ق ( ﻟ ﻐﺎﻳ ﺔ‬
‫‪or solid matter other than foodstuffs.‬‬
‫‪b. Infections resulting from an accident covered by the policy.‬‬
‫‪c. Injuries that are a consequence of surgical operations or‬‬
‫‪medical treatments resulting from an accident covered by the‬‬
‫‪policy.‬‬
‫اﻟ ﺠ ﻐ ﺮا ﻓ ﻴ ﺔ اﻟ ﻤ ﺤ ﺪ د ة اﻟ ﻤ ﺒ ﻴ ﻨ ﺔ ﻓ ﻲ اﻟ ﻮﺛ ﻴ ﻘ ﺔ و ﻻ ﺗ ﺤ ﺪ ث ﺧﺎ ر ج ﻣ ﺪ ة اﻟ ﺴ ﻔ ﺮ اﻟ ﻤ ﺤ ﺪ د ة ﺑ ﻴ ﻦ ﺗ ﻮا رﻳ ﺦ‬
‫‪“Emergency Dental Care” means:‬‬
‫‪Any natural dental treatment covered by the policy due to a‬‬
‫‪condition suddenly started up at travel and that it does not‬‬
‫‪occur by reason of any pre-existing situation has been‬‬
‫اﻟ ﻄﺒ ﻲ ﺧ ﻼ ل اﻟ ﺴ ﻔ ﺮ ا ي ﻧ ﻔ ﻘﺎ ت ﻗ ﺪ ﺗ ﺤ ﺪ ث ﻓﻴ ﻤﺎ ﻳﺘ ﻌﻠ ﻖ ﺑﺎ ﻹ ﻋﺎد ة اﻟ ﻰ اﻟ ﻮ ﻃ ﻦ و ذﻟ ﻚ ﻷ ﺳﺒﺎ ب‬
‫‪documented by dentist’s report.‬‬
‫‪“Doctor” or “Physician” means:‬‬
‫‪An officially registered medical practitioner according to the‬‬
‫‪law of the place where the claim happens.‬‬
‫‪“Osteosynthesis material” means:‬‬
‫‪Parts or pieces of metal or of any other kind used to join‬‬
‫‪together the ends of a fractured bone, or to knit together the‬‬
‫‪tips of joints, by surgical operation and which can be reused.‬‬
‫‪Orthopaedic material or orthesis means:‬‬
‫‪Anatomical parts or items of any kind used to prevent or‬‬
‫‪correct temporary or permanent deformations of the body‬‬
‫‪(walking sticks, cervical collar, wheelchair, etc.).‬‬
‫ﻟ ﻼ ﺷ ﺮا ف ﻋ ﻠ ﻰ ﺗ ﻮ ﻓ ﻴ ﺮ اﻟ ﺮ ﻋﺎﻳ ﺔ اﻟ ﺼ ﺤ ﻴ ﺔ اﻟ ﻤ ﻨﺎ ﺳ ﺒ ﺔ ‪* .‬اﻟ ﺤ ﺪ ا ﻻ ﻗ ﺼ ﻰ ﻹ ﺟ ﻤﺎﻟ ﻲ اﻟ ﻨ ﻔ ﻘﺎ ت اﻟ ﻄ ﺒ ﻴ ﺔ‬
‫‪“Prosthesis” means:‬‬
‫‪These are deemed to be any item of any kind that temporary‬‬
‫‪or permanently replaces the lack of an organ, tissue, organic‬‬
‫‪fluid, member or part of any of them. By way of an example,‬‬
‫‪mechanical or biological items such as cardiac valve parts,‬‬
‫‪joint replacements, synthetic skin, intraocular lenses,‬‬
‫‪biological materials (cornea), fluids, gels and synthetic or‬‬
‫‪semisynthetic liquids that replace organic humours or liquids,‬‬
‫ﻣ ﺴ ﺆ وﻟ ﻴ ﺔ ﻧ ﻘ ﻞ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ إﻟ ﻰ ﻣ ﺮ ﻛ ﺰ ﺻ ﺤ ﻲ ﻣ ﺠ ﻬ ﺰ ﺑ ﺸ ﻜ ﻞ ﻣ ﻨﺎ ﺳ ﺐ أ و إ ﻋﺎ دﺗ ﻪ إﻟ ﻰ اﻟ ﻮ ﻃ ﻦ‬
‫‪medicine reservoirs, mobile oxygen therapy systems, etc.‬‬
‫‪“Limit” means:‬‬
‫‪The amounts set forth in the Conditions of this Policy,‬‬
‫ﺣ ﺴ ﺐ اﻟ ﺤﺎﻟ ﺔ ‪ .‬و ﺗ ﻘ ﻮ م اﻳ ﻀﺎ " ﺷ ﺮ ﻛ ﺔ اﻟ ﺨ ﺪ ﻣﺎ ت " ﺑ ﺘ ﺮﺗ ﻴ ﺐ ﻋ ﻤ ﻠ ﻴ ﺔ ا ﻹ ﺧ ﻼ ء و ذﻟ ﻚ ﺑﺎ ﺳ ﺘ ﺨ ﺪا م‬
‫‪Schedules of Covers and Economic Limits of each different‬‬
‫‪Plan, and which represents the maximum benefit (financial,‬‬
‫‪temporary or another kind) covered under each guarantee.‬‬
‫‪“Fraudulent Claims” means:‬‬
‫اﻟ ﻤ ﻮا ﻓ ﻘ ﺔ واﻟ ﺘ ﺮﺗ ﻴ ﺒﺎ ت ﻣ ﻦ " ﺷ ﺮ ﻛ ﺔ اﻟ ﺨ ﺪ ﻣﺎ ت " و ﻓ ﻲ ﺣﺎ ل و ﺟ ﻮ د أ ي اﻟ ﻨ ﻘ ﻞ أ و اﻟ ﺘ ﺮﺗ ﻴ ﺐ‪ ،‬ﻓ ﻲ‬
‫‪When the Insured, beneficiary or someone acting on their‬‬
‫‪behalf, uses any fraudulent means or devices in order to‬‬
‫‪obtain any of the benefits of this policy, consequently, any‬‬
‫‪payment of any amount in respect of such claim shall be‬‬
‫‪cancelled.‬‬
‫‪“Deductible” or “Excess” means:‬‬
‫‪The amount of expenses or the number of days which are not‬‬
‫‪covered by the Insurer, and that are to be paid or supported‬‬
‫اﻟ ﺘﺄ ﻣ ﻴ ﻦ ﺑ ﻤ ﻮ ﺟ ﺐ ﻛ ﻞ ﺿ ﻤﺎ ن ﻣ ﻦ اﻟ ﻀ ﻤﺎﻧﺎ ت ‪.‬‬
‫‪20‬اﻟﻤﻄﺎﻟﺒﺎت اﻻﺣﺘﻴﺎﻟﻴﺔ ﺗﻌﻨﻲ ‪ :‬و ﻫﻲ أن ﻳﺴﺘﺨﺪم اﻟﻤﺆﻣﻦ ﻟﻪ أو أي ﺷﺨﺺ ﻳﺘﺼﺮف‬
‫اﻟ ﻮﺛ ﻴ ﻘ ﺔ )اﻟ ﺘﺄ ﻣ ﻴ ﻦ (‪ ،‬وﺑﺎﻟ ﺘﺎﻟ ﻲ ﻳ ﺘ ﻢ إﻟ ﻐﺎ ء أ ي د ﻓ ﻌ ﻪ ﻷ ي‬
‫ﻣ ﺒ ﻠ ﻎ ﻓ ﻴ ﻤﺎ ﻳ ﺘ ﻌ ﻠ ﻖ ﺑ ﻬ ﺬ ه ا ﻻ د ﻋﺎ ءا ت ‪.‬‬
‫‪21‬ﻗﺴﻂ اﻟﺘﺄﻣﻴﻦ ‪ -‬اﻟﺮﺳﻮم ‪: -‬‬
‫ﻫ ﻮ اﻟ ﻤ ﺒ ﻠ ﻎ اﻟ ﻤﺎﻟ ﻲ اﻟ ﺬ ي ﻳ ﺘ ﻮ ﺟ ﺐ ﻋ ﻠ ﻰ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ د ﻓ ﻌ ﻪ ﻟ ﺸ ﺮ ﻛ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ ﻣ ﻘﺎﺑ ﻞ ﺗ ﻐ ﻄ ﻴ ﺔ‬
‫‪22‬ﻓﺘﺮة اﻟﺘﺄﻣﻴﻦ او" ﺗﺎرﻳﺦ ﺳﺮﻳﺎن اﻟﺘﻐﻄﻴﺔ" ﺗﻌﻨﻲ ‪ :‬ﻫﻲ اﻟﻔﺘﺮة اﻟﺘﻲ ﺗﺒﺪأ و ﺗﻨﺘﻬﻲ ﻓﻲ‬
‫اﻟ ﺘ ﻮا رﻳ ﺦ اﻟ ﻤ ﺬ ﻛ ﻮ ر ة ﻓ ﻲ اﻟ ﻮﺛ ﻴ ﻘ ﺔ ) اﻟ ﺘﺄ ﻣ ﻴ ﻦ ( اﻟ ﻤ ﺘ ﻌﺎ ﻗ ﺪ ﻋ ﻠ ﻴ ﻬﺎ و ﺑ ﻜ ﻞ ا ﻻ ﺣ ﻮ ل ﺗ ﻌ ﺘ ﺒ ﺮ ﻓ ﺘ ﺮ ة‬
‫اﻟ ﺘﺄ ﻣ ﻴ ﻦ ﻏ ﻴ ﺮ ﻗﺎﺑ ﻠ ﺔ‬
‫ﻟ ﺘ ﺠ ﺪﻳ ﺪ ‪.‬‬
‫‪23‬اﻟﻤﻨﻄﻘﺔ ‪ -‬ﺗﻌﻨﻲ ‪:‬‬
‫ﻫ ﻲ اﻟ ﻤ ﻨ ﻄ ﻘ ﺔ اﻟ ﺠ ﻐ ﺮا ﻓ ﻴ ﺔ اﻟ ﺘ ﻲ ﻳ ﺘ ﻢ اﻟ ﺴ ﻔ ﺮ إﻟ ﻴ ﻬﺎ واﻟ ﺘ ﻲ ﻳ ﺘ ﻢ إ ﺳ ﺘ ﺨ ﺪا م وﺛ ﻴ ﻘ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ ﺑ ﻬﺎ ﻓ ﻲ‬
‫ﺣﺎ ل اﻟ ﺤﺎ ﺟ ﺔ ﻟ ﺘ ﻐ ﻄ ﻴ ﺔ ا ﻻ ﺣ ﺪا ث اﻟ ﺘ ﻲ ﺗ ﻘ ﻊ ﻫ ﻨﺎ ك ‪.‬‬
‫‪24‬وﺳﻴﻠﺔ اﻟﻨﻘﻞ‪ /‬اﻟﻨﺎﻗﻞ اﻟﻌﺎم ﺗﻌﻨﻲ‪ :‬ﻣﻦ اﻟﻤﻔﻬﻮم ﺑﺄﻧﻪ اﻟﻨﺎﻗﻞ اﻟﺬي ﻳﺘﻢ اﺳﺘﺌﺠﺎره ﻟﻠﻘﻴﺎم‬
‫ﺑ ﻐ ﺮ ض اﻟ ﺮ ﺣ ﻠ ﺔ اﻟ ﺨﺎ ص ﺑ ﻬ ﺬا اﻟ ﺘﺄ ﻣ ﻴ ﻦ وﻳ ﺒ ﻘ ﻰ ﻣ ﺤ ﺼ ﻮ را ﺑﺎﻟ ﻄﺎﺋ ﺮ ة أ و اﻟ ﺒﺎ ﺧ ﺮ ة أ و اﻟ ﻘ ﻄﺎ ر أ و‬
‫اﻟ ﺤﺎ ﻓﻠ ﺔ ﺑ ﻤﺎ ﻓ ﻲ ذﻟ ﻚ ﻋﻨ ﺪ اﻟ ﺪ ﺧ ﻮ ل أ و اﻟ ﺨ ﺮ و ج ﻣ ﻦ و ﺳﻴﻠ ﺔ اﻟﻨ ﻘ ﻞ اﻟ ﻤ ﺬ ﻛ ﻮ ر ة أ ﻋ ﻼ ه‪.‬‬
‫و وﺑﺎﻟ ﺘ ﺴﺎ و ي ﻳ ﺒ ﻘ ﻰ ﺣﺎ د ث اﻟ ﻄ ﺮﻳ ﻖ ﻟ ﻮ ﺳ ﻴ ﻠ ﺔ اﻟ ﻨ ﻘ ﻞ اﻟ ﻌﺎ م ﻣ ﺸ ﻤ ﻮ ﻻ ) ﻣ ﺤ ﺼ ﻮ را ﻓ ﻲ ﺳ ﻴﺎ ر ة‬
‫اﻟ ﺘﺎ ﻛ ﺴ ﻲ ‪ .‬اﻟ ﺴ ﻴﺎ ر ه اﻟ ﻤ ﺴ ﺘﺄ ﺟ ﺮ ه ﻣ ﻊ ﺳﺎﺋ ﻖ ‪ .‬ﻗ ﻄﺎ ر اﻟ ﺘ ﺮا م ‪ .‬اﻟ ﺤﺎ ﻓ ﻠ ﺔ ‪ .‬اﻟ ﻘ ﻄﺎ ر و ﻗ ﻄﺎ ر‬
‫ا ﻷﻧ ﻔﺎ ق (‬
‫ا ﻟ ﻮ ﺻ ﻮ ل ا ﻟ ﻰ ا ﻟ ﻤ ﺒ ﻨ ﻰ ا ﻟ ﺨ ﺎ ص ﺑ ﺎ ﻟ ﺮ ﺣ ﻠ ﺔ ) ا ﻟ ﻤ ﺤ ﻄ ﺔ‪ ,‬ا ﻟ ﻤ ﻄ ﺎ ر ‪ ،‬ا ﻟ ﻤ ﻴ ﻨ ﺎ ء (‬
‫‪25‬اﻟﺘﻐﻄﻴﺔ ﺗﻌﻨﻲ ‪ :‬ﻫﻮ ﻣﺎ ﺳﺘﻘﻮم ﺑﻪ " ﺷﺮﻛﺔ اﻟﺨﺪﻣﺎت "ﻋﻠﻰ اﻟﻔﻮر ﺑﻤﺎ ﻳﺘﻀﻤﻦ ﺗﺰوﻳﺪ‬
‫اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻣ ﻦ اﻟ ﻤ ﺴﺎ ﻋ ﺪا ت اﻟ ﻤ ﺤ ﺪ د ة ﺑ ﻤ ﻮ ﺟ ﺐ ﺑ ﻨ ﺪ )اﻟ ﺘ ﻐ ﻄ ﻴ ﺔ ( ﻓ ﻲ وﺛ ﻴ ﻘ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ ﻫ ﺬ ه‬
‫واﻟ ﻨﺎ ﺟ ﻤ ﺔ ﻋ ﻦ اﻟ ﺤ ﻮا د ث ﻏ ﻴ ﺮ اﻟ ﻤ ﺘ ﻮ ﻗ ﻌ ﺔ أﺛ ﻨﺎ ء ﺳ ﻔ ﺮ ه‬
‫ﺧﺎ ر ج ﺑ ﻠ ﺪ ا ﻗﺎ ﻣ ﺘ ﻪ اﻟ ﻤ ﻌ ﺘﺎ د ة ‪ ،‬ﺷ ﺮﻳ ﻄ ﺔ ا ﻻ ﻳ ﺤ ﺪ ث ﻫ ﺬا اﻟ ﺤﺎ د ث ﺧﺎ ر ج اﻟ ﺤ ﺪ و د اﻟ ﻤ ﻨ ﻄ ﻘ ﺔ‬
‫ﺻ ﻼ ﺣ ﻴ ﺔ ﻫ ﺬ ه اﻟ ﻮﺛ ﻴ ﻘ ﺔ ﺗ ﺼ ﺒ ﺢ اﻟ ﺘ ﻐ ﻄ ﻴ ﺔ ﺑ ﻤ ﻮ ﺟ ﺐ وﺛ ﻴ ﻘ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ ﻻ ﻏ ﻴ ﺔ ﻋ ﻨ ﺪ ﻣﺎ ﻳ ﻨ ﺘ ﻬ ﻲ اﻟ ﺴ ﻔ ﺮ‬
‫اﻟﺬي ﺗﺴﺒﺐ ﻓﻲ اﻟﺤﺼﻮل ﻋﻠﻰ ﻫﺬه اﻟﻮﺛﻴﻘﺔ و‪/‬أو وﺻﻮل اﻟﻤﺆﻣﻦ ﻟﻪ إﻟﻰ ﺑﻠﺪ إﻗﺎﻣﺘﻪ‬
‫ا ﻟ ﻤ ﻌ ﺘ ﺎ د أﻳ ﻬ ﻤ ﺎ ﻳ ﺤ ﺪ ث أ و ﻻ‪ ,‬ﻳ ﺠ ﺐ أ ﻻ ﺗ ﺘ ﺠ ﺎ و ز ﻓ ﺘ ﺮ ة‬
‫اﻟﺘﻐﻄﻴﺔ اﻟﻤﻤﻨﻮﺣﺔ ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ‪ 92‬ﻳﻮﻣﺎ ﻣﺘﺘﺎﻟﻴﺎ ﻟﻜﻞ رﺣﻠﺔ‪ .‬ﻳﻐﻄﻲ اﻟﺘﺄﻣﻴﻦ‬
‫ﻃ ﺒ ﻴ ﺔ و اﻟ ﺮ ﻋﺎﻳ ﺔ اﻟ ﻄ ﺒ ﻴ ﺔ اﻟ ﻌﺎ ﺟ ﻠ ﺔ أ و ﻋ ﻼ ج ﻓ ﻲ اﻟ ﻤ ﺴ ﺘ ﺸ ﻔ ﻰ ﻓ ﻲ ﺣﺎ ﻻ ت اﻟ ﻄ ﻮا ر ئ أ و اﻟ ﻮ ﻓﺎ ة و‬
‫ﻫ ﺬا‬
‫ﻓ ﻘ ﻂ ﻃ ﻮا ل ﻣ ﺪ ة ا ﻗﺎ ﻣ ﺔ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻋ ﻠ ﻰ ا را ﺿ ﻲ اﻟ ﺪ و ل ا ﻷ ﻋ ﻀﺎ ء و ﻟ ﻴ ﺲ ﻃ ﻮا ل ﺻ ﻼ ﺣ ﻴ ﺔ‬
‫ا ﻟ ﺘ ﺄ ﺷ ﻴ ﺮ ة ) ﻓ ﻴ ﺰا (‪.‬‬
‫ﺧ ﺪ ﻣﺎ ت اﻟ ﻤ ﺴﺎ ﻋ ﺪ ة اﺛ ﻨﺎ ء اﻟ ﺴ ﻔ ﺮ ‪:‬‬
‫ﺳ ﺘ ﻘ ﺪ م " ﺷ ﺮ ﻛ ﺔ اﻟ ﺨ ﺪ ﻣﺎ ت " اﻟ ﻤ ﺰاﻳﺎ اﻟ ﺘﺎﻟ ﻴ ﺔ ﻓ ﻘ ﻂ ﻋ ﻨ ﺪ ﻣﺎ ﻳ ﻜ ﻮ ن اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻣ ﺴﺎ ﻓ ﺮا ﺧﺎ ر ج‬
‫ﺑﻠﺪ اﻗﺎﻣﺘﻪ ‪ 92‬ﻳﻮﻣﺎ ﻣﺘﺘﺎﻟﻴﺔ ﻛﺤﺪ أﻗﺼﻰ ‪.‬‬
‫ا ﻟ ﺠ ﺰ ء ا ﻟ ﺜ ﺎ ﻧ ﻲ ‪ :‬ا ﻟ ﻤ ﺴ ﺎ ﻋ ﺪ ة ا ﻟ ﻄ ﺒ ﻴ ﺔ و ا ﻟ ﻄ ﺎ ر ﺋ ﺔ‪:‬‬
‫‪1‬اﻟﻤﺼﺎرﻳﻒ اﻟﻄﺒﻴﺔ واﻹدﺧﺎل اﻟﻰ اﻟﻤﺴﺘﺸﻔﻰ ﻓﻲ اﻟﺨﺎرج ﻓﻲ ﺣﺎﻟﺔ ﻣﺮض أو إﺻﺎﺑﺔ‬
‫اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ اﻟ ﺘ ﻲ ﺗ ﻘ ﻊ ﺧﺎ ر ج ﺑ ﻠ ﺪ ا ﻹ ﻗﺎ ﻣ ﺔ اﻟ ﻤ ﻌ ﺘﺎ د ﺗ ﻘ ﻮ م ﺷ ﺮ ﻛ ﺔ اﻟ ﺘﺎ ﻣ ﻴ ﻦ ﺑ ﺘ ﺴ ﺪﻳ ﺪ ﻧ ﻔ ﻘﺎ ت‬
‫ا ﻻ ﺳ ﺘ ﺸ ﻔﺎ ء واﻟ ﺠ ﺮا ﺣ ﺔ واﻟ ﺮ ﺳ ﻮ م اﻟ ﻄ ﺒ ﻴ ﺔ واﻟ ﻤ ﻨ ﺘ ﺠﺎ ت اﻟ ﺪ واﺋ ﻴ ﺔ اﻟ ﻌﺎ دﻳ ﺔ واﻟ ﻤ ﻌ ﺘﺎ د ة‬
‫واﻟ ﻀ ﺮ و رﻳ ﺔ واﻟ ﻤ ﻌ ﻘ ﻮﻟ ﺔ اﻟ ﺘ ﻲ ﻳ ﺼ ﻔ ﻬﺎ اﻟ ﻄ ﺒ ﻴ ﺐ اﻟ ﻤ ﻌﺎﻟ ﺞ ﻳ ﻘ ﻮ م اﻟ ﻔ ﺮﻳ ﻖ اﻟ ﻄ ﺒ ﻲ اﻟ ﺨﺎ ص ﺑ ﺸ ﺮ ﻛ ﺔ‬
‫اﻟ ﺨ ﺪ ﻣﺎ ت ﺑﺎ ﻹﺑ ﻘﺎ ء ﻋ ﻠ ﻰ ا ﻻﺗ ﺼﺎ ﻻ ت اﻟ ﻬﺎﺗ ﻔ ﻴ ﺔ اﻟ ﻼ ز ﻣ ﺔ ﻣ ﻊ اﻟ ﻤ ﺮ ﻛ ﺰ وا ﻹ ﻃ ﺒﺎ ء اﻟ ﺬﻳ ﻦ ﻳ ﻌﺎﻟ ﺠ ﻮ ن‬
‫اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ‬
‫ﻟ ﻠ ﻮﺛ ﻴ ﻘ ﺔ ﻛ ﻤﺎ ﻫ ﻮ ﻣ ﻮ ﺿ ﺢ أ دﻧﺎ ه ﺑ ﺤ ﺴ ﺐ و ﺟ ﻬ ﺔ اﻟ ﺴ ﻔ ﺮ ) ﺣ ﺪ و د اﻟ ﺘ ﻐ ﻄ ﻴ ﺔ (‬
‫ﺗ ﺨ ﻀ ﻊ اﻟ ﺘ ﻐ ﻄ ﻴ ﺔ ﻟ ﻠ ﺤ ﺪ اﻟ ﻤ ﻨ ﺼ ﻮ ص ﻋ ﻠ ﻴ ﻪ ﺣ ﺴ ﺐ ﺟ ﺪ و ل اﻟ ﻮﺛ ﻴ ﻘ ﺔ )اﻟ ﺘ ﻐ ﻄ ﻴﺎ ت )‬
‫ﺣ ﺪ ود اﻟﺘ ﻐ ﻄﻴ ﺔ ﻣﺒﻠ ﻎ اﻟﺘ ﺤ ﻤ ﻞ ‪:‬‬
‫أ ‪ 50.000 :‬دوﻻر ﺣﺘﻰ ﺳﻦ ‪ 80‬ﺳﻨﺔ ‪ 500‬دوﻻر‬
‫ب ‪ 50.000 :‬دوﻻر ﺣﺘﻰ ﺳﻦ ‪ 80‬ﺳﻨﺔ ‪ 500‬دوﻻر‬
‫ج ‪ 30.000 :‬ﻳﻮرو ﺣﺘﻰ ﺳﻦ ‪ 80‬ﺳﻨﺔ ‪ 500‬ﻳﻮرو‬
‫د ‪ 25.000 :‬دوﻻر ﺣﺘﻰ ﺳﻦ ‪ 80‬ﺳﻨﺔ ‪ 500‬دوﻻر‬
‫‪ 2‬ا ﻹ ﻋ ﺎ د ة ا ﻟ ﻄ ﺒ ﻴ ﺔ ا ﻟ ﻄ ﺎ ر ﺋ ﺔ إ ﻟ ﻰ ا ﻟ ﻮ ﻃ ﻦ و ا ﻹ ﺧ ﻼ ء‪ :‬ﻓ ﻲ ﺣ ﺎ ﻟ ﺔ و ﻗ ﻮ ع ﺣ ﺎ د ث أ و ﻣ ﺮ ض ﻣ ﻔ ﺎ ﺟ ﺊ‬
‫ﻏﻴﺮ ﻣﻮﺟﻮد ﻣﺴﺒًﻘﺎ وﻳﻜﻮن اﻟﻤﺮض او اﻟﺤﺎدث ﺧﻄﻴًﺮا ‪ ،‬ﻓﺈن " ﺷﺮﻛﺔ اﻟﺨﺪﻣﺎت " ﺗﺘﻮﻟﻰ‬
‫ﺑ ﻠ ﺪ إ ﻗﺎ ﻣ ﺘ ﻪ ‪ /‬إ ﻗﺎ ﻣ ﺘ ﻬﺎ اﻟ ﻤ ﻌ ﺘﺎ د ‪ .‬ﻛ ﻤﺎ ﺳ ﻴ ﻘ ﻮ م اﻟ ﻔ ﺮﻳ ﻖ اﻟ ﻄ ﺒ ﻲ " ﻟ ﺸ ﺮ ﻛ ﺔ اﻟ ﺨ ﺪ ﻣﺎ ت "‬
‫ﺑﺎ ﻻﺗ ﺼﺎ ﻻ ت اﻟ ﻼ ز ﻣ ﺔ ﻣ ﻊ ا ﻷ ﻃ ﺒﺎ ء اﻟ ﻤ ﻌﺎﻟ ﺠ ﻴ ﻦ ﻟ ﻠ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ و ﺳ ﻴ ﻘ ﺮ ر و ن ﻓ ﻲ أ ي ﻣ ﺮ ﻛ ﺰ‬
‫ﺻ ﺤ ﻲ ﻳ ﺘ ﻢ ﻧ ﻘ ﻞ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ و ﻓ ﻴ ﻤﺎ إ ذا ﻛﺎﻧ ﺖ اﻟ ﻌ ﻮ د ة إﻟ ﻰ اﻟ ﻮ ﻃ ﻦ ) ﺑ ﻠ ﺪ ا ﻻ ﻗﺎ ﻣ ﺔ ( ﺿ ﺮ و رﻳ ﺔ ‪،‬‬
‫اﻟ ﻮ ﺳﺎﺋ ﻞ اﻟ ﺘ ﻲ ﺗ ﺮا ﻫﺎ ﻣ ﻨﺎ ﺳ ﺒ ﺔ ‪ ،‬ﺑ ﻨﺎ ء ﻋ ﻠ ﻰ اﻟ ﺘ ﻘ ﻴ ﻴ ﻢ اﻟ ﻄ ﺒ ﻲ ﻟ ﺨ ﻄ ﻮ ر ة ﺣﺎﻟ ﺔ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ‪ ،‬و ﻗ ﺪ‬
‫ﺗ ﺸ ﻤ ﻞ ﻫ ﺬ ه اﻟ ﻮ ﺳﺎﺋ ﻞ ا ﻹ ﺳ ﻌﺎ ف اﻟ ﺠ ﻮ ي ‪،‬أ و ﺳ ﻴﺎ ر ة ا ﻻ ﺳ ﻌﺎ ف أ و ﻃﺎﺋ ﺮ ة ﻣ ﻨ ﺘ ﻈ ﻤ ﺔ أ واﻟ ﺴ ﻜ ﻚ‬
‫اﻟ ﺤ ﺪﻳ ﺪﻳ ﺔ أ و ﻏ ﻴ ﺮ ﻫﺎ ﻣ ﻦ اﻟ ﻮ ﺳﺎﺋ ﻞ اﻟ ﻤ ﻨﺎ ﺳ ﺒ ﺔ و ﺑﺎ ﻹ ﺿﺎ ﻓ ﺔ اﻟ ﻰ أﻧ ﻬﺎ ﺳ ﺘ ﺘ ﺨ ﺬ " ﺷ ﺮ ﻛ ﺔ اﻟ ﺨ ﺪ ﻣﺎ ت‬
‫" ﺟ ﻤ ﻴ ﻊ اﻟ ﻘ ﺮا را ت اﻟ ﻤ ﺘ ﻌ ﻠ ﻘ ﺔ ﺑ ﻮ ﺳﺎﺋ ﻞ اﻟ ﻨ ﻘ ﻞ واﻟ ﻮ ﺟ ﻬ ﺔ اﻟ ﻨ ﻬﺎﺋ ﻴ ﺔ ‪ .‬ﻛ ﻤﺎ ﻳ ﺠ ﺐ اﻟ ﺤ ﺼ ﻮ ل ﻋ ﻠ ﻰ‬
‫ﺣﺎ ل ﻋ ﺪ م اﻟ ﺤ ﺼ ﻮ ل ﻋ ﻠ ﻰ ﻣ ﻮا ﻓ ﻘ ﺔ ﻣ ﺴ ﺒ ﻘ ﺔ ﻣ ﻦ " ﺷ ﺮ ﻛ ﺔ اﻟ ﺨ ﺪ ﻣﺎ ت " ﺳ ﻮ ف ﻳ ﺘ ﻢ د ﻓ ﻊ‬
‫اﻟ ﺮ ﺳ ﻮ م ﻣ ﻦ ﻗ ﺒ ﻞ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ‪ .‬ﺗ ﺨ ﻀ ﻊ اﻟ ﺘ ﻐ ﻄ ﻴ ﺔ ﻟ ﻠ ﺤ ﺪ اﻟ ﻤ ﻨ ﺼ ﻮ ص ﻋ ﻠ ﻴ ﻪ ﺣ ﺴ ﺐ ﺟ ﺪ و ل اﻟ ﻮﺛ ﻴ ﻘ ﺔ‬
‫)اﻟ ﺘ ﻐ ﻄ ﻴﺎ ت (‬
‫‪ 3‬ا ﻋ ﺎ د ة ر ﻓ ﺎ ت ا ﻟ ﻤ ﻮ ﺗ ﻰ‪ :‬ﺳ ﺘ ﻘ ﻮ م ﺷ ﺮ ﻛ ﺔ ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻦ ﺑ ﺎ ﺗ ﺨ ﺎ ذ ا ﻟ ﻼ ز م ﻣ ﻦ ا ﻟ ﺘ ﺮ ﺗ ﻴ ﺒ ﺎ ت ا ﻟ ﺨ ﺎ ﺻ ﺔ ﻓ ﻲ‬
‫ﺣﺎﻟ ﺔ و ﻓﺎ ة اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ و ذﻟ ﻚ ﻣ ﻦ ﺧ ﻼ ل إ ﻋﺎد ة ر ﻓﺎ ت اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ اﻟ ﻰ ﺑﻠ ﺪ إ ﻗﺎ ﻣﺘ ﻪ و ﻛ ﻤﺎ‬
‫ﺳ ﺘ ﺘ ﺤ ﻤ ﻞ اﻟ ﺸ ﺮ ﻛ ﺔ ﺗ ﻜ ﻠ ﻔ ﺔ ﻣ ﺼﺎ رﻳ ﻒ اﻟ ﻨ ﻘ ﻞ اﻟ ﻰ ﻣ ﻜﺎ ن اﻟ ﺪ ﻓ ﻦ اﻟ ﻰ اﻟ ﻮ ﻃ ﻦ ا ﻻ م أ و ﺑ ﺪ ﻻ ﻣ ﻦ‬
‫ذﻟ ﻚ ﺑ ﺪ ﻓ ﻊ ﻛ ﻠ ﻔ ﺔ اﻟ ﺪ ﻓ ﻦ ﻓ ﻲ ﻣ ﻜﺎ ن اﻟ ﻮ ﻓﺎ ه اﻟ ﻤ ﻮا ﻓ ﻖ ﻋ ﻠ ﻴ ﻪ ﻣ ﺴ ﺒ ﻘﺎ ً ﻣ ﻦ ﻗ ﺒ ﻞ " ﺷ ﺮ ﻛ ﺔ‬
‫اﻟ ﺨ ﺪ ﻣﺎ ت " ‪ .‬ﺗ ﺨ ﻀ ﻊ اﻟ ﺘ ﻐ ﻄ ﻴ ﺔ ﻟ ﻠ ﺤ ﺪ اﻟ ﻤ ﻨ ﺼ ﻮ ص ﻋ ﻠ ﻴ ﻪ ﺣ ﺴ ﺐ ﺟ ﺪ و ل اﻟ ﻮﺛ ﻴ ﻘ ﺔ ‪.‬‬
‫ﻳ ﺴ ﺘ ﺜ ﻨ ﻰ ﻣ ﻦ ذﻟ ﻚ د ﻓ ﻊ ﻣ ﺼﺎ رﻳ ﻒ اﻟ ﺤ ﺮ ق أ و ﻣ ﺮا ﺳ ﻢ اﻟ ﺠ ﻨﺎ ز ة ‪.‬‬
‫‪by the Insured Person before the Policy benefits become‬‬
‫‪payable.‬‬
‫ﻟ ﺤﺎ د ث أ و إ ﺟ ﻼ ء ه ﻟ ﺴ ﺒ ﺐ ﻃ ﺒ ﻲ ﻃﺎ ر ئ ‪ ،‬ﺳ ﻮ ف ﺗ ﻘ ﻮ م " ﺷ ﺮ ﻛ ﺔ اﻟ ﺨ ﺪ ﻣﺎ ت " ﺑ ﺘ ﺪﺑ ﻴ ﺮ و د ﻓ ﻊ أ ﺟ ﺮ‬
‫‪“Premium” means:‬‬
‫‪The price of the insurance that the Policyholder must pay the‬‬
‫‪Insurer in consideration for the coverage of the risks provided‬‬
‫اﻧ ﻪ ﺿ ﺮ و رﻳﺎ ﺑ ﻤ ﺴﺎ ﻋ ﺪ ة ﻃ ﺐ ا ﻷ ﺳ ﻨﺎ ن ﺧ ﻼ ل ﻓ ﺘ ﺮ ة اﻟ ﺴ ﻔ ﺮ أ ﻻ أ ن ﻫ ﺬ ه اﻟ ﺘ ﻐ ﻄ ﻴ ﺔ ﺗ ﻘ ﺘ ﺼ ﺮ ﻋ ﻠ ﻰ‬
‫‪for the Insured by the latter, the receipt for which will include,‬‬
‫‪moreover, the surcharges and taxes legally applicable.‬‬
‫‪“Period of Insurance” or “Effective Date of Coverage” means:‬‬
‫‪The period that commences and ends on the dates stated on‬‬
‫‪the Certificate of the Policy contracted. Such period of‬‬
‫ﻣﻌﺪ ٍ)ﺑﻤﺎ ﻓﻲ ذﻟﻚ ﺟﻤﻴﻊ أﻧﻮاع اﻟﻔﻴﺮوﺳﺎت واﻟﺒﻜﺘﻴﺮﻳﺎ ‪ (...‬ﻳﺆﺛﺮ ﻓﻲ وﻗﺖ‬
‫‪Insurance is in any case not renewable.‬‬
‫‪“Territory” means:‬‬
‫‪Geographic area where the travel object of the contract takes‬‬
‫‪place, and in which the events that occur there have coverage.‬‬
‫‪“Cover” means:‬‬
‫‪The Company will immediately provide the Insured, the‬‬
‫‪assistance specified under the “Coverage” clause of this‬‬
‫‪Insurance Policy for mishaps that occur due to unforeseen‬‬
‫‪incidents during travels outside his/her Usual Country of‬‬
‫‪Residence, provided that this occurrence does not take place‬‬
‫‪outside the specified geographical boundaries and does not‬‬
‫اﻟ ﺪ وﻟ ﺔ ﺣ ﺘ ﻰ )اﻟ ﺘﺎ رﻳ ﺦ ( اﻟ ﻤ ﺬ ﻛ ﻮ ر ﻋ ﻠ ﻰ وﺛ ﻴ ﻘ ﺔ ﺗ ﺒ ﻌﺎ ﻟ ﻠ ﺸ ﺮ و ط اﻟ ﺨﺎ ﺻ ﺔ ﺑﺎﻟ ﺘﺄ ﻣ ﻴ ﻦ و و ﻓ ﻘﺎ ﻷ ﺣ ﻜﺎ م و‬
‫‪take place out of the prescribed travel duration between the‬‬
‫‪validity dates of this Policy. The scope of this Policy becomes‬‬
‫‪void when the travel causing the acquisition of this Policy ends‬‬
‫‪and/or the Insured arrives at his/her Usual Country of‬‬
‫‪Residence, whichever takes place first. Period of Cover‬‬
‫‪granted under this Policy shall not exceed 62 or 92‬‬
‫‪cumulative days each year. Travel medical insurance shall‬‬
‫‪cover any expenses which might arise in connection with‬‬
‫‪repatriation for medical reasons, urgent medical attention‬‬
‫‪and/or emergency hospital treatment or death, only for the‬‬
‫‪duration of the applicant’s stay(s) on the territory of the‬‬
‫‪Member States and not throughout the validity of the visa.‬‬
‫‪TRAVEL ASSISTANCE BENEFITS‬‬
‫‪The Company will provide the following Benefits only when‬‬
‫‪the Insured is travelling outside the Usual Country of‬‬
‫‪Residence for up to a maximum of 62 or 92 cumulative days‬‬
‫‪per year.‬‬
‫‪Guideline COVID-19 COVER:-‬‬
‫‪1- Travelers need to have a PCR negative test dated not more‬‬
‫‪than 48 hours- 72 hours before departing for each trip‬‬
‫‪ .1‬اﻟﺘﻌﻮﻳﺾ ﻋﻦ ﺧﺴﺎرة اﻟﺤﻘﺎﺋﺐ اﻟﻤﺴﺠﻠﺔ ﻟﻠﺮﺣﻠﺔ ‪ :‬ﺗﻌﻮض ﺷﺮﻛﺔ اﻟﺘﺄﻣﻴﻦ إﺿﺎﻓﺔ اﻟﻰ‬
‫‪conducted regardless of the duration of the issued policy.‬‬
‫ﻣ ﺒ ﻠ ﻎ اﻟ ﺘ ﻌ ﻮﻳ ﺾ اﻟ ﺬ ي ﻳ ﻜ ﻮ ن ﻣ ﺴ ﺆ و ﻻ ﻋ ﻦ د ﻓ ﻌ ﺔ اﻟ ﻨﺎ ﻗ ﻞ ) ﺷ ﺮ ﻛ ﺔ اﻟ ﻄ ﻴ ﺮا ن ( و ذﻟ ﻚ ﺗ ﻌ ﻮﻳ ﻀﺎ ً ﻋ ﻦ‬
‫‪2- Covid-19 Cover: In case the Insured tested positive with‬‬
‫‪the Covid-19 during a trip covered by the Insurance Policy,‬‬
‫& ‪the Travel Insurance covers the Medical Expenses‬‬
‫‪Hospitalization abroad, up to the proposed limit on the‬‬
‫ﻟ ﻜ ﻲ ﻳ ﺼ ﺒ ﺢ ﺑﺎ ﻹ ﻣ ﻜﺎ ن إ ﻋ ﺘ ﺒﺎ ر ا ﻷ ﻣ ﺘ ﻌ ﺔ ﻣ ﻔ ﻘ ﻮ د ة ﺑ ﺼ ﻮ ر ة ﻧ ﻬﺎﺋ ﻴ ﺔ ﺑ ﺤ ﺴ ﺐ ﺗ ﺤ ﺪﻳ ﺪ ﺷ ﺮ ﻛ ﺔ اﻟ ﻨ ﻘ ﻞ ‪،‬‬
‫‪particular conditions of the policy and according to the terms‬‬
‫‪and conditions defined in the same, save the Insured travels to‬‬
‫‪a location declared as not recommended for travel by the‬‬
‫* إ ﺳ ﺘ ﺜ ﻨ ﺎ ء‪ :‬ا ﻻ ﻣ ﻮ ا ل ‪ ،‬ا ﻟ ﻤ ﺠ ﻮ ﻫ ﺮ ا ت ‪ ،‬ﺑ ﻄ ﺎ ﻗ ﺎ ت ا ﻹ ﺋ ﺘ ﻤ ﺎ ن و ﺟ ﻤ ﻴ ﻊ ا ﻟ ﻤ ﺴ ﺘ ﻨ ﺪ ا ت ﻣ ﺴ ﺘ ﺜ ﻨ ﻮ ن ﻣ ﻦ ﻫ ﺬ ه‬
‫‪competent local Authority.‬‬
‫‪3- Negative results before departure have no waiting periods‬‬
‫)‪(In case the insured tested positive during travel‬‬
‫‪4- Cover is valid only for the specified duration of stay and‬‬
‫‪once this duration is over, the cover ends and is not‬‬
‫‪renewable.‬‬
‫‪5- Cover limitation is the same as the policy medical limit.‬‬
‫‪6- Insured's age: no more than 75 Years.‬‬
‫‪7- Covid-19 test are not covered‬‬
‫‪8- The indemnity limit for groups and family policies affected‬‬
‫‪by the same accident is USD 500,000 (five hundred thousand‬‬
‫‪USD), regardless the number of Insured persons involved‬‬
‫ﺼ ﺮ ‪ :‬ﻓ ﻲ ﺣﺎ ل ﺗ ﺮ ك ا ﻷ ﻃ ﻔﺎ ل اﻟ ﻘ ﺼ ﺮ اﻟ ﺬﻳ ﻦ‬ ‫‪4‬إﺟﺮاء اﻟﺘﺪاﺑﻴﺮ ودﻓﻊ ﻛﻠﻔﺔ ﻋﻮدة اﻷﻃﻔﺎل اﻟﻘ ّ‬
‫ﻟﻢ ﻳﺒﻠﻐﻮا ﺳﻦ ‪ 18‬ﺳﻨﺔ ﺑﺪون رﻋﺎﻳﺔ ﻧﺘﻴﺠﺔ ﻣﺮض اﻟﻤﺆﻣﻦ ﻟﻪ اﻟﻤﺮاﻓﻖ ﻟﻬﻢ أو ﺗﻌﺮﺿﻪ‬
‫ﺑ ﻄﺎ ﻗ ﺔ ﻃﺎﺋ ﺮ ة ﺑﺈﺗ ﺠﺎ ه وا ﺣ ﺪ ﻟ ﻠ ﻌ ﻮ د ة اﻟ ﻰ اﻟ ﻮ ﻃ ﻦ ا ﻷ م أ و ﺑ ﻠ ﺪ‬
‫ا ﻹ ﻗﺎ ﻣ ﺔ اﻟ ﻤ ﻌ ﺘﺎ د ‪ ،‬ﺳ ﻴ ﺆ ﻣ ﻦ ﻟ ﻬ ﻢ ﻣ ﺮا ﻓ ﻖ ﻋ ﻨ ﺪ اﻟ ﻄ ﻠ ﺐ ‪.‬‬
‫‪5‬رﻋﺎﻳﺔ اﻻﺳﻨﺎن اﻟﺼﺤﻴﺔ ‪ :‬ﺗﻘﻮم " ﺷﺮﻛﺔ اﻟﺨﺪﻣﺎت "ﺑﺘﺰوﻳﺪ اﻟﻄﺮف اﻟﻤﺆﻣﻦ ﻟﻪ اذا وﺟﺪ‬
‫اﻟ ﻌ ﻼ ج ا ﻻ ﻻ م و اﻟ ﻌ ﺪ و ى و ﺧ ﻠ ﻊ اﻟ ﺴ ﻦ ‪ /‬ا ﻷ ﺳ ﻨﺎ ن اﻟ ﻤ ﺼﺎﺑ ﺔ ‪.‬‬
‫ﺗ ﺨ ﻀ ﻊ اﻟﺘ ﻐ ﻄﻴ ﺔ ﻟﻠ ﺤ ﺪ اﻟ ﻤﻨ ﺼ ﻮ ص ﻋﻠﻴ ﻪ ﻟ ﻜ ﻞ ﻣ ﺆ ﻣ ﻦ ﻟ ﻪ ﻓ ﻲ اﻟ ﺴﻨ ﺔ ﻛ ﻤﺎ ﻳ ﻄﺒ ﻖ ا ﻻ ﻋ ﻔﺎ ء‬
‫ا ﻟ ﻤ ﺬ ﻛ ﻮ ر ﺣ ﺴ ﺐ ﺟ ﺪ و ل ا ﻟ ﻮﺛ ﻴ ﻘ ﺔ )ا ﻟ ﺘ ﻐ ﻄ ﻴ ﺎ ت (‪.‬‬
‫‪6‬اﻟﺘﻐﻄﻴﺔ ﺿﺪ ﻣﺮض ﻓﻴﺮوس ﻛﻮروﻧﺎ اﻟﻤﺴﺘﺠﺪ ﻛﻮﻓﻴﺪ ‪ 19-‬ﻷﻏﺮاض ﻫﺬا اﻟﺒﻨﺪ ‪،‬ﻳ ُﻌﺮف‬
‫ﻣ ﻌ ﺪ ﺣﺎ د و ﺷ ﺪﻳ ﺪ ﻳ ﺴ ﺒ ﺒ ﻬ ﺪ‬ ‫اﻟ ﻮﺑﺎ ء ‪/‬اﻟ ﺠﺎﺋ ﺤ ﺔ ﺑﺄﻧ ﻪ ﺗ ﻔ ﺸ ﻲ ﻣ ﻔﺎ ﺟ ﺊ ﻋﺎ م و وا ﺳ ﻊ اﻟ ﻨ ﻄﺎ ق ﻟ ﻤ ﺮ ض ُ‬
‫ﻣ ﻤ ﺮ ِض و ُ‬‫ﻋﺎ ﻣ ﻞ ُ‬
‫وا ﺣ ﺪ ﻋ ﻠ ﻰ اﻟ ﻌ ﺪﻳ ﺪ ﻣ ﻦ ا ﻻ ﻓ ﺮا د ﻓ ﻲ ﺟ ﻤ ﻴ ﻊ أﻧ ﺤﺎ ء اﻟ ﺒ ﻠ ﺪ اﻟ ﻤ ﻘ ﺼ ﺪ‪ ،‬وﻳ ﺘ ﻢ ﺗ ﺼ ﻨ ﻴ ﻔ ﻪ ر ﺳ ﻤ ﻴﺎ ً ﻣ ﻦ‬
‫ﻗ ﺒ ﻞ ﻣ ﻨ ﻈ ﻤ ﺔ اﻟ ﺼ ﺤ ﺔ اﻟ ﻌﺎﻟ ﻤ ﻴ ﺔ ﻋ ﻠ ﻰ أﻧ ﻪ وﺑﺎ ء ‪ /‬ﺟﺎﺋ ﺤ ﺔ ﺟ ﺪﻳ ﺪ ة و ﻣ ﻔﺎ ﺟ ﺌ ﺔ و ﺣﺎ د ة ‪ .‬ﻳ ﺘ ﻢ ﺗ ﻌ ﺮﻳ ﻒ‬
‫اﻟ ﻌ ﻼ ج اﻟ ﻤ ﻌ ﺘﺎ د واﻟ ﻌ ﺮ ﻓ ﻲ ﻋ ﻠ ﻰ أﻧ ﻪ ﻋ ﻼ ج ﻳ ﺘ ﻮا ﻓ ﻖ ﻣ ﻊ اﻟ ﻤ ﻌﺎﻳ ﻴ ﺮ اﻟ ﻤ ﻘ ﺒ ﻮﻟ ﺔ ﻋ ﻤ ﻮ ﻣﺎ ً ﻟ ﻠ ﻤ ﻤﺎ ر ﺳﺎ ت‬
‫وا ﻹ ﺟ ﺮا ءا ت اﻟ ﻄ ﺒ ﻴ ﺔ واﻟ ﻌ ﻤ ﻠ ﻴﺎ ت‬
‫اﻟ ﺠ ﺮا ﺣ ﻴ ﺔ ﻓ ﻲ ﺑ ﻠ ﺪ اﻟ ﻤ ﻘ ﺼ ﺪ ‪ ،‬و ﻓ ﻘﺎ ً ﻟ ﻮ زا ر ة اﻟ ﺼ ﺤ ﺔ ‪ .‬ﻳ ﺸ ﻴ ﺮ ﻣ ﺼ ﻄ ﻠ ﺢ ا ﻻ ﺳ ﺘ ﺸ ﻔﺎ ء ﺑ ﺪ ﺧ ﻮ ل‬
‫اﻟ ﻤ ﺴﺘ ﺸ ﻔ ﻰ إﻟ ﻰ أ ي ﻋ ﻼ ج ﻻ ﻳ ﻤ ﻜ ﻦ اﻟ ﺨ ﻀ ﻮ ع ﻟ ﻪ ﻓ ﻲ إ ﻃﺎ ر اﻟ ﺨ ﺪ ﻣﺎ ت اﻟ ﻤ ﻘ ﺪ ﻣ ﺔ ﺧﺎ ر ج‬
‫اﻟ ﻤ ﺴ ﺘ ﺸ ﻔ ﻰ وﻳ ﻮ ﺻ ﻲ ﺑ ﻪ ﻃ ﺒ ﻴ ﺐ ﻣ ﻌﺎﻟ ﺞ ‪ .‬ﻳ ﺠ ﺐ أ ن ﺗ ﺘ ﻢ ا ﻹ ﺷﺎ ر ة إﻟ ﻰ ﻫ ﺬا ا ﻻ ﺳ ﺘ ﺸ ﻔﺎ ء‬
‫ﻃ ﺒ ﻴﺎ ً ﻣ ﻦ ﻗ ﺒ ﻞ اﻟ ﻄ ﺒ ﻴ ﺐ اﻟ ﻤ ﻌﺎﻟ ﺞ ﻟ ﺘ ﺸ ﺨ ﻴ ﺺ أ و ﻋ ﻼ ج وﺑﺎ ء ‪ /‬ﺟﺎﺋ ﺤ ﺔ ﺗ ﻐ ﻄ ﻴ ﺔ وﺛ ﻴ ﻘ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ‬
‫اﻟﺮاﻫﻨﺔ ‪1 .‬ﻳﺠﺐ ﻋﻠﻰ اﻟﻤﺴﺎﻓﺮون اﻟﻘﻴﺎم ﺑﺈﺟﺮاء اﺧﺘﺒﺎر اﻟﻜﻮروﻧﺎ ‪ PCR‬ﺑﻨﺘﻴﺤﺔ) ﺳﻠﺒﻴﺔ(‬
‫ﻣﺪة زﻣﻨﻴﺔ ﻻﺗﺰﻳﺪ ﻋﻦ ‪ ٧٢‬ﺳﺎﻋﺔ ﻗﺒﻞ اﻟﻤﻐﺎدرة ﻟﻜﻞ‬
‫ر ﺣ ﻠ ﺔ ﻳ ﺘ ﻢ ا ﺟ ﺮاﺋ ﻬﺎ و ﺑ ﻐ ﺾ اﻟ ﻨ ﻈ ﺮ ﻋ ﻦ ﻣ ﺪ ة اﻟ ﻮﺛ ﻴ ﻘ ﺔ اﻟ ﺼﺎ د ر ة )اﻟ ﺘﺄ ﻣ ﻴ ﻦ ( ‪ 2 .‬ﻓ ﻲ ﺣﺎ ل ﻛﺎﻧ ﺖ‬
‫ﻧﺘﻴﺠﺔ اﺧﺘﺒﺎر ﻓﺤﺺ ‪ PCR‬ﻟﻠﻤﺆﻣﻦ ﻟﻪ إﻳﺠﺎﺑﻴﺔ أﺛﻨﺎء اﻟﺮﺣﻠﺔ اﻟﻤﺪرﺟﺔ ﻓﻲ وﺛﻴﻘﺔ اﻟﺘﺄﻣﻴﻦ‪،‬‬
‫ﻓﺈ ن ﺗﺄ ﻣ ﻴ ﻦ اﻟ ﺴ ﻔ ﺮ ﻳ ﻐ ﻄ ﻲ اﻟ ﻨ ﻔ ﻘﺎ ت اﻟ ﻄ ﺒ ﻴ ﺔ و ا ﻻ ﺳ ﺘ ﺸ ﻔﺎ ء اﻟ ﺨﺎ ص ﺑ ﻤ ﺮ ض ﻛ ﻮ ر وﻧﺎ ﺧﺎ ر ج‬
‫اﻟ ﺸ ﺮ و ط اﻟ ﻤ ﺤ ﺪ د ة ﻓ ﻲ اﻟ ﻮﺛ ﻴ ﻘ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ ﻋ ﻠ ﻰ ا ن ﻻ ﻳ ﻜ ﻮ ن اﻟ ﺒ ﻠ ﺪ اﻟ ﻤ ﺮا د اﻟ ﺴ ﻔ ﺮ ﻟ ﻬﺎ ﻏ ﻴ ﺮ‬
‫ﻣﻮﺻﻰ ﺑﻪ ﻟﻠﺴﻔﺮ ﻣﻦ ﻗﺒﻞ اﻟﺴﻠﻄﺔ اﻟﻤﺤﻠﻴﺔ اﻟﻤﺨﺘﺼﺔ‪3 .‬ﻋﻨﺪﻣﺎ ﺗﻜﻮن ﻧﺘﻴﺠﺔ ﻓﺤﺺ ‪PCR‬‬
‫ﺳ ﻠ ﺒ ﻴ ﺔ ﻗ ﺒ ﻞ ﻣ ﻐﺎ د ر ة ﺑ ﻠ ﺪ ا ﻻ ﻗﺎ ﻣ ﺔ ﻻﻳ ﺘ ﻮ ﺟ ﺐ اﻟ ﺨ ﻀ ﻮ ع ﻟ ﻔ ﺘ ﺮا ت ا ﻻﻧ ﺘ ﻈﺎ ر ﻟ ﻌ ﻼ ج ا ﻻ ﺻﺎﺑ ﺔ ﺑ ﻤ ﺮ ض‬
‫ﻛ ﻮ ر وﻧﺎ )ا ي‬
‫ﻓ ﻲ ﺣﺎ ل ﻛﺎﻧ ﺖ ﻧ ﺘ ﻴ ﺠ ﺔ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ إﻳ ﺠﺎﺑ ﻴ ﺔ أﺛ ﻨﺎ ء اﻟ ﺴ ﻔ ﺮ ﻳ ﺘ ﻢ ﺗ ﻐ ﻄ ﻴ ﺔ اﻟ ﻨ ﻔﺎ ﻗﺎ ت اﻟ ﻄ ﺒ ﻴ ﺔ‬
‫وا ﻻ ﺳ ﺘ ﺸ ﻔﺎ ء ﻳ ﺨ ﺼ ﻮ ص ﻣ ﺮ ض ﻛ ﻮ ر وﻧﺎ ﻣ ﺒﺎ ﺷ ﺮ ة (‬
‫‪4‬ﺗﺄ ﻣ ﻴ ﻦ اﻟ ﺴ ﻔ ﺮ ﺻﺎﻟ ﺢ ﻓ ﻘ ﻂ ﻟ ﻤ ﺪ ة ا ﻹ ﻗﺎ ﻣ ﺔ اﻟ ﻤ ﺤ ﺪ د ة و ﺑ ﻤ ﺠ ﺮ د اﻧ ﺘ ﻬﺎ ء ﻫ ﺬ ه اﻟ ﻤ ﺪ ة ﻳ ﻨ ﺘ ﻬ ﻲ‬
‫اﻟ ﺘﺄ ﻣ ﻴ ﻦ و ﻻ ﻳ ﻤ ﻜ ﻦ ﺗ ﺠ ﺪﻳ ﺪ اﻟ ﺘﺄ ﻣ ﻴ ﻦ ﺧ ﻼ ل ﻓ ﺘ ﺮ ة اﻟ ﺴ ﻔ ﺮ ‪.‬‬
‫‪5‬ﻳﺠﺐ أن ﻻ ﻳﺰﻳﺪ ﻋﻤﺮ اﻟﻤﺆﻣﻦ ﻟﻪ ﻋﻦ ‪ 75‬ﻋﺎﻣﺎ ً )ﺗﻄﺒﻖ ﻓﻘﻂ ﻋﻠﻰ ﺗﻐﻄﻴﺔ ﻓﺎﻳﺮوس‬
‫ﻛﻮروﻧﺎ )‪.Covid-19‬‬
‫‪6‬اﻟﺘﺄﻣﻴﻦ ﻻ ﻳﻐﻄﻲ اﺟﻮر ﻓﺤﺺ اﻟﻜﺮوﻧﺎ ) ‪.(covid-19‬‬
‫‪ 7‬ﻓ ﻲ ﺣﺎﻟ ﺔ ﻛﺎﻧ ﺖ ﻧ ﺘﺎﺋ ﺞ اﻟ ﻔ ﺤ ﺺ إﻳ ﺠﺎﺑ ﻴ ﺔ ﻳ ﺘ ﻮ ﺟ ﺐ ﻋ ﻠ ﻰ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ا ﻻﺗ ﺼﺎ ل ﺑ ﺨ ﺪ ﻣ ﺔ اﻟ ﻄ ﻮا ر ئ‬
‫ﻋ ﻠ ﻰ اﻟ ﻔ ﻮ ر ﻣ ﻦ أ ﺟ ﻞ ﺗ ﻘ ﺪﻳ ﻢ اﻟ ﻤ ﺴﺎ ﻋ ﺪ ة اﻟ ﻼ ز ﻣ ﺔ ﻟ ﻠ ﻤ ﺴﺎ ﻓ ﺮ ‪.‬‬
‫**اﻟ ﺤ ﺪ ا ﻻ ﻗ ﺼ ﻰ ﻹ ﺟ ﻤﺎﻟ ﻲ اﻟ ﻨ ﻔ ﻘﺎ ت اﻟ ﻄ ﺒ ﻴ ﺔ ﻟ ﻠ ﻮﺛ ﻴ ﻘ ﺔ ﻛ ﻤﺎ ﻫ ﻮ ﻣ ﻮ ﺿ ﺢ أ دﻧﺎ ه ﺑ ﺤ ﺴ ﺐ و ﺟ ﻬ ﺔ‬
‫اﻟ ﺴ ﻔ ﺮ ) ﺣ ﺪ ود اﻟﺘ ﻐ ﻄﻴ ﺔ(‬
‫ﺣ ﺪ ود اﻟﺘ ﻐ ﻄﻴ ﺔ ﻣﺒﻠ ﻎ اﻟﺘ ﺤ ﻤ ﻞ ‪:‬‬
‫أ ‪ 50.000 :‬دوﻻر ﺣﺘﻰ ﺳﻦ ‪ 75‬ﺳﻨﺔ ‪ 500‬دوﻻر‬
‫ب ‪ 50.000 :‬دوﻻر ﺣﺘﻰ ﺳﻦ ‪ 75‬ﺳﻨﺔ ‪ 500‬دوﻻر‬
‫ج ‪ 30.000 :‬ﻳﻮرو ﺣﺘﻰ ﺳﻦ ‪ 75‬ﺳﻨﺔ ‪ 500‬ﻳﻮرو‬
‫د ‪ 25.000 :‬دوﻻر ﺣﺘﻰ ﺳﻦ ‪ 75‬ﺳﻨﺔ ‪ 500‬دوﻻر‬
‫** ﻳﺠﺐ أن ﻻ ﻳﺰﻳﺪ ﻋﻤﺮ اﻟﻤﺆﻣﻦ ﻟﻪ ﻋﻦ ‪ 75‬ﻋﺎﻣﺎ ً )ﺗﻄﺒﻖ ﻓﻘﻂ ﻋﻠﻰ ﺗﻐﻄﻴﺔ ﻓﺎﻳﺮوس‬
‫ﻛﻮروﻧﺎ )‪.Covid-19‬‬
‫ا ﻟ ﺠ ﺰ ء ا ﻟ ﺜ ﺎ ﻟ ﺚ ‪ :‬ا ﻟ ﺘ ﻌ ﻮ ﻳ ﺾ ﻋ ﻦ ا ﻟ ﺨ ﺴ ﺎ ﺋ ﺮ و ا ﻟ ﺘ ﺄ ﺧ ﻴ ﺮ‪:‬‬
‫اﻟ ﺤ ﻘﺎﺋ ﺐ اﻟ ﻀﺎﺋ ﻌ ﺔ ﺧ ﻼ ل اﻟ ﻨ ﻘ ﻞ اﻟ ﺠ ﻮ ي واﻟ ﺘ ﻲ ﻗ ﺪ ﺻ ﺮ ح ﻋ ﻨ ﻬﺎ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ و ﻣ ﻦ أ ﺟ ﻞ‬
‫اﻟ ﺤ ﺼ ﻮ ل ﻋ ﻠ ﻰ اﻟ ﺘ ﻌ ﻮﻳ ﺾ ‪ ،‬ﻋ ﻠ ﻰ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﺗ ﻘ ﺪﻳ ﻢ ﻻﺋ ﺤ ﺔ ﺑﺎﻟ ﻤ ﻮ ﺟ ﻮ دا ت ﺗ ﺘ ﻀ ﻤ ﻦ ﺗ ﻘ ﺪﻳ ﺮا ً‬
‫ﺑﺎ ﻷ ﺳ ﻌﺎ ر وﺗﺎ رﻳ ﺦ ﺷ ﺮا ء ﻛ ﻞ ﻏ ﺮ ض إ ﺿﺎ ﻓ ﺔ اﻟ ﻰ اﻟ ﺘ ﻌ ﻮﻳ ﺾ اﻟ ﻤ ﺴ ﺪ د ﻣ ﻦ ﻗ ﺒ ﻞ اﻟ ﻨﺎ ﻗ ﻞ ﻳ ﺘ ﻢ‬
‫اﻟﺘﻌﻮﻳﺾ ﺣﺴﺐ إﺟﺮاءات ﻣﻨﻈﻤﺔ اﻟﻄﻴﺮان اﻟﻌﺎﻟﻤﻴﺔ ‪ IATA‬أﻗﻞ ﻓﺘﺮة ﻳﺠﺐ أن ﺗﻨﻘﻀﻲ‬
‫ﻳﺠﺐ أﻻ ﺗﻘﻞ ﻋﻦ ‪ 21‬ﻳﻮﻣﺎ ً‪.‬‬
‫ﻓ ﻲ ﺟ ﻤﻴ ﻊ اﻟ ﺤﺎ ﻻ ت ﻳ ﺠ ﺐ ﺗ ﺴﻠﻴ ﻢ اﻟﻨ ﺴ ﺨ ﺔ ا ﻷ ﺻﻠﻴ ﺔ ﻟﻠﻨﺎ ﻗ ﻞ أ و اﻟ ﺸ ﻜ ﻮ ى اﻟ ﻤﺒﻠ ﻐ ﺔ ﻋ ﻦ ﺣﺎد ث‬
‫اﻟ ﻔ ﻘ ﺪا ن ‪.‬‬
‫اﻟ ﻀ ﻤﺎﻧ ﺔ ‪.‬‬
‫ﺗ ﺨ ﻀ ﻊ اﻟ ﺘ ﻐ ﻄ ﻴ ﺔ ﻟ ﻠ ﺤ ﺪ اﻟ ﻤ ﻨ ﺼ ﻮ ص ﻋ ﻠ ﻴ ﻪ ﺣ ﺴ ﺐ ﺟ ﺪ و ل اﻟ ﻮﺛ ﻴ ﻘ ﺔ )اﻟ ﺘ ﻐ ﻄ ﻴﺎ ت (‬
‫‪ 2‬إﻟ ﻐﺎ ء اﻟ ﺮ ﺣ ﻠ ﺔ ‪ :‬ﺗ ﻌ ﻮ ض ﺷ ﺮ ﻛ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻓ ﻴ ﻤﺎ ﻳ ﺘ ﻌ ﻠ ﻖ ﺑ ﺠ ﻤ ﻴ ﻊ اﻟ ﻮ داﺋ ﻊ ﻏ ﻴ ﺮ اﻟ ﻘﺎﺑ ﻠ ﺔ‬
‫ﻟ ﻼ ﺳ ﺘ ﺮ دا د واﻟ ﻤ ﺪ ﻓ ﻮ ﻋﺎ ت اﻟ ﻤ ﻘ ﺪ ﻣ ﺔ واﻟ ﺮ ﺳ ﻮ م ا ﻷ ﺧ ﺮ ى اﻟ ﻤ ﺪ ﻓ ﻮ ﻋ ﺔ أ و اﻟ ﻤ ﺴ ﺘ ﺤ ﻘ ﺔ اﻟ ﺪ ﻓ ﻊ‬
‫ﻣﻘﺎﺑﻞ اﻟﺴﻔﺮ و ‪ /‬أو اﻹﻗﺎﻣﺔ ﺑﺤﺪ أﻗﺼﻰ وﻓًﻘﺎ‬
‫ﻟ ﺠ ﺪ و ل اﻟ ﻤ ﺰاﻳﺎ ‪ ،‬ﻓ ﻲ ﺣﺎﻟ ﺔ ﻛ ﻮ ن اﻟ ﺮ ﺣ ﻠ ﺔ اﻟ ﻤ ﻐ ﻄﺎ ة ﻟ ﻠ ﺸ ﺨ ﺺ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﺗ ﻢ إﻟ ﻐﺎ ؤ ﻫﺎ‬
‫ﻟ ﻸ ﺳ ﺒ ﺎ ب ا ﻟ ﺘ ﺎ ﻟ ﻴ ﺔ‪:‬‬
‫‪1‬اﻟﻮﻓﺎة أو اﻹﺻﺎﺑﺔ اﻟﺠﺴﺪﻳﺔ ﻟﻠﻤﺆﻣﻦ ﻟﻪ ﻧﺘﻴﺠﺔ ﺣﺎدث أو ﻣﺮض‪.‬‬
‫‪2‬اﻟﻮﻓﺎه أو اﻹﺻﺎﺑﺔ اﻟﺠﺴﺪﻳﺔ ﻷﺣﺪ أﻓﺮاد ﻋﺎﺋﻠﺔ اﻟﻤﺆﻣﻦ ﻟﻪ اﻟﻤﺒﺎﺷﺮة ﻧﺘﻴﺠﺔ ﺣﺎدث أو‬
‫ﻣ ﺮ ض‪.‬‬
‫‪ 3‬اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ و أ ي ﺷ ﺨ ﺺ ﻗﺎ م اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﺑﺎﻟ ﺘ ﺮﺗ ﻴ ﺐ ﻣ ﻌ ﻪ ﻟ ﻠ ﺴ ﻔ ﺮ أ و ا ﻹ ﻗﺎ ﻣ ﺔ أ و اﻟ ﻘ ﻴﺎ م‬
‫ﺑ ﺎ ﻷ ﻋ ﻤ ﺎ ل‪:‬‬
‫أ ‪ -‬و ﺿ ﻊ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻓ ﻲ اﻟ ﺤ ﺠ ﺮ اﻟ ﺼ ﺤ ﻲ أ و ﻃ ﻠ ﺒ ﻪ ﻟ ﺘﺄ دﻳ ﺔ وا ﺟ ﺐ ﻛ ﺸﺎ ﻫ ﺪ أ و ﻛ ﻌ ﻀ ﻮ ﻓ ﻲ ﻟ ﺠ ﻨ ﺔ‬
‫اﻟ ﻤ ﺤ ﻠ ﻔ ﻴ ﻦ ‪ .‬ب ‪ -‬د ﻋ ﻮ ة اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ إﻟ ﻰ و ﺟ ﻮ ب اﻟ ﻄ ﻮا ر ئ ﻛ ﻌ ﻀ ﻮ ﻓ ﻲ اﻟ ﻘ ﻮا ت اﻟ ﻤ ﺴ ﻠ ﺤ ﺔ أ و‬
‫‪(group policies, big families, events, tours).‬‬
‫‪In case of positive results, the Insured must contact the‬‬
‫‪Emergency Assistance Service immediately to provide the‬‬
‫”‪necessary assistance.‬‬
‫‪SECTION A: Medical & Emergency Assistance‬‬
‫ﻓ ﻴ ﻀﺎ ن أ و زﻟ ﺰا ل أ و اﻧ ﻬ ﻴﺎ ر أ ر ﺿ ﻲ أ و اﻧ ﻬ ﻴﺎ ر ﺟ ﻠ ﻴ ﺪ ي أ و اﻟ ﻈ ﺮ و ف اﻟ ﺠ ﻮﻳ ﺔ اﻟ ﺴ ﻴ ﺌ ﺔ أ و اﻟ ﻌ ﻄ ﻞ‬
‫‪1.Medical Expenses and hospitalization abroad‬‬
‫‪In the event of illness or injury of the insured occurring‬‬
‫‪outside the Usual Country of Residence, The Insurer will pay‬‬
‫‪the usual, customary, necessary and reasonable costs of‬‬
‫ا ﻹ ﺳ ﺘ ﺜ ﻨﺎ ءا ت اﻟ ﺘﺎﺑ ﻌ ﺔ ﻟ ﻬ ﺬ ه اﻟ ﻔ ﻘ ﺮ ة ‪ 6 :‬ﻳ ﺠ ﺐ ﻋ ﻠ ﻰ اﻟ ﺸ ﺨ ﺺ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ اﻟ ﺤ ﺼ ﻮ ل ﻋ ﻠ ﻰ ﺗﺄ ﻛ ﻴ ﺪ‬
‫‪hospitalization, surgery, medical fees and pharmaceutical‬‬
‫‪products, prescribed by the attending doctor. The Assistance‬‬
‫‪Company’s medical team will maintain the telephone contacts‬‬
‫‪necessary with the center and with the doctors who attend to‬‬
‫ﺗﺄ ﻛ ﻴ ﺪ اﻟ ﺤ ﺠ ﺰ ‪* .‬ﻳ ﺠ ﺐ ﻋ ﻠ ﻰ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﺗ ﻘ ﺪﻳ ﻢ ا ﻷ دﻟ ﺔ أ و اﻟ ﻤ ﺴ ﺘ ﻨ ﺪا ت أ و اﻟ ﺸ ﻬﺎ دا ت اﻟ ﺨﺎ ﺻ ﺔ‬
‫‪the Insured to supervise the provision of proper health care.‬‬
‫‪This cover is subject to a limit provided by the referred plan.‬‬
‫‪2.Emergency Medical Repatriation & Evacuation‬‬
‫‪In the event of an accident or sudden illness, that is not pre-‬‬
‫‪existing and which is acute, the Company will take charge of‬‬
‫‪transferring the Insured to a properly equipped health center‬‬
‫‪or repatriating to his/her usual country of residence. The‬‬
‫‪Assistance Company’s medical team will maintain the‬‬
‫‪telephone contacts necessary with the doctors attending to‬‬
‫‪the Insured and will decide which health center the Insured is‬‬
‫‪transferred to or whether repatriation is necessary, depending‬‬
‫‪on the situation or gravity of the state the latter is in.‬‬
‫‪Assistance Company will arrange the evacuation, using the‬‬
‫‪means it deems suitable, based on the medical evaluation of‬‬
‫‪the seriousness of the Insured’s condition. These means may‬‬
‫‪include air ambulance, surface ambulance, regular airplane,‬‬
‫‪railroad or other appropriate means. All decisions relating to‬‬
‫‪the means of transportation and final destination will be made‬‬
‫‪by The Assistance Company. Approval and arrangements shall‬‬
‫‪be taken from the Assistance Company. In case any‬‬
‫ا ﻟ ﻤ ﺸ ﺎ ر ﻛ ﺔ ﻓ ﻲ ا ﻟ ﺮ ﻳ ﺎ ﺿ ﻴ ﺎ ت ا ﻟ ﺘ ﺎ ﻟ ﻴ ﺔ‪ :‬ﺳ ﺒ ﺎ ق ا ﻟ ﺴ ﻴ ﺎ ر ا ت أ و ﺳ ﺒ ﺎ ق ا ﻟ ﺪ ر ا ﺟ ﺎ ت ا ﻟ ﻨ ﺎ ر ﻳ ﺔ ﺑ ﺄ ي ﺷ ﻜ ﻞ‬
‫‪transportation or arrangement is made without obtaining‬‬
‫‪prior approval from the Assistance Company, fees shall be‬‬
‫‪paid by the Insured. This cover is subject to a limit provided by‬‬
‫‪the referred plan.‬‬
‫‪3.Repatriation of Mortal Remains‬‬
‫‪In the event of the death of the Insured, The Assistance‬‬
‫‪Company will make the necessary arrangements for the‬‬
‫‪return of the Insured’s remains to the Insured’s country of‬‬
‫‪residence and the Company will meet the cost of the transfer‬‬
‫‪expenses to the place of interment, cremation or funeral‬‬
‫‪ceremony at his/her usual country of residence. This cover is‬‬
‫‪subject to a limit provided by the referred plan. Payment of‬‬
‫‪expenses for interment, cremation or funeral ceremony is‬‬
‫‪excluded from this guarantee.‬‬
‫‪4.Return of dependant children‬‬
‫‪In the event of a dependent child aged less than 17 years old‬‬
‫‪being left unattended further to an insured accident or illness,‬‬
‫ج ( اﻟ ﻮ ﻓﺎ ه ﻧ ﺘ ﻴ ﺠ ﺔ ا ﻻﻧ ﺘ ﺤﺎ ر أ و ا ﻻ ﺻﺎﺑﺎ ت أ و اﻟ ﺘﺄﺛ ﻴ ﺮا ت اﻟ ﻨﺎﺗ ﺠ ﺔ ﻋ ﻦ ﻣ ﺤﺎ وﻟ ﺔ ا ﻻﻧ ﺘ ﺤﺎ ر ‪ .‬د ( إ ذا ﻛﺎ ن‬
‫‪the Assistance Company will arrange and pay for one way‬‬
‫‪airplane economy transportation or 1st Class Rail ticket for‬‬
‫‪them to their place of residence. Qualified attendant will be‬‬
‫‪provided without charge, if required.‬‬
‫‪5.Emergency Dental Care‬‬
‫‪If and when found necessary, the Company will provide the‬‬
‫‪Insured party with the dental assistance required abroad.‬‬
‫‪However, this coverage is restricted to the treatment of pain,‬‬
‫‪infection and removal of the tooth/teeth affected.‬‬
‫‪This cover is subject to a limit of (according to schedule) per‬‬
‫‪insured per year, and in the aggregate with a deductible of‬‬
‫إ دا ر ة اﻟ ﺪ ﻓﺎ ع اﻟ ﻤ ﺪﻧ ﻲ أ و اﻟ ﺸ ﺮ ﻃ ﺔ أ و ا ﻹ ﻃ ﻔﺎ ء أ و ا ﻹﻧ ﻘﺎ ذ أ و‬
‫اﻟ ﺨ ﺪ ﻣﺎ ت اﻟ ﻄﺒﻴ ﺔ‪.‬‬
‫ج‪ -‬أن ﻳﻜﻮن ﻣﻮﺟﻮد ًا ﻓﻲ ﻣﻨﺰﻟﻪ أو ﻣﻜﺎن ﻋﻤﻠﻪ ﻓﻲ ﺑﻠﺪ اﻹﻗﺎﻣﺔ اﻟﻤﻌﺘﺎد ﺑﻌﺪ اﻟﺴﻄﻮ أو‬
‫اﻟ ﻀ ﺮ ر اﻟ ﺠ ﺴﻴ ﻢ‪.‬‬
‫‪4‬إﻟﻐﺎء ﺧﺪﻣﺎت اﻟﻨﻘﻞ اﻟﻤﺠﺪوﻟﺔ أو اﻟﻤﺴﺘﺄﺟﺮة اﻟﻨﺎﺗﺠﺔ ﻋﻦ ﺣﺎدث ‪ ،‬اﺻﻄﺪام او اﻟﻀﺮب‬
‫أ و ﻋ ﻤ ﻞ إ ﺟ ﺮا ﻣ ﻲ أ و ر ﻋ ﺐ ﻣ ﻦ اﻟ ﻘ ﻨﺎﺑ ﻞ أ و أ ﻋ ﻤﺎ ل ﺷ ﻐ ﺐ أ و ا ﺿ ﻄ ﺮاﺑﺎ ت ﻣ ﺪﻧ ﻴ ﺔ أ و ﺣ ﺮﻳ ﻖ أ و‬
‫ﺣﺪ ث أو ﺗ ﻢ‬ ‫اﻟ ﻤ ﻴ ﻜﺎﻧ ﻴ ﻜ ﻲ و ذﻟ ﻚ ﺷ ﺮﻳ ﻄ ﺔ أ ن ﻳ ﻜ ﻮ ن اﻟ ﺤ ﺪ ث اﻟ ﺬ ي أ د ى إﻟ ﻰ ﻫ ﺬا ا ﻹﻟ ﻐﺎ ء َ‬
‫ا ﻹ ﻋ ﻼ ن ﻋ ﻨ ﻪ ﺑ ﻌ ﺪ ﺣ ﺠ ﺰ اﻟ ﺮ ﺣ ﻠ ﺔ اﻟ ﻤ ﻐ ﻄﺎ ة أ و إ ﺻ ﺪا ر ﻫ ﺬا‬
‫اﻟﺘﺄﻣﻴﻦ أﻳﻬﻤﺎ ﻳﺄﺗﻲ ﻻﺣًﻘﺎ‪5 .‬اﻟﻀﺮر اﻟﻜﺒﻴﺮ اﻟﺬي ﻳﺠﻌﻞ اﻟﻤﺴﻜﻦ ﻏﻴﺮ ﺻﺎﻟﺢ ﻟﻠﺴﻜﻦ اﻟﺬي‬
‫ﺣ ﺠ ﺰ ﻓﻴ ﻪ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ا ﻹ ﻗﺎ ﻣ ﺔ ﻓ ﻲ ر ﺣﻠ ﺔ ﻣ ﺸ ﻤ ﻮﻟ ﺔ‪.‬‬
‫ﺧ ﻄ ﻲ ﻣ ﻦ ﺷ ﺮ ﻛﺎ ت اﻟ ﻨ ﻘ ﻞ أ و و ﻛ ﻼﺋ ﻬﺎ ﺑﺎﻟ ﺘﺎ رﻳ ﺦ اﻟ ﻔ ﻌ ﻠ ﻲ و و ﻗ ﺖ اﻟ ﻤ ﻐﺎ د ر ة وأ ﺳ ﺒﺎ ب اﻟ ﺘﺄ ﺧ ﻴ ﺮ‬
‫ﻗﺒﻞ اﻟﻨﻈﺮ ﻓﻲ اﻟﻤﻄﺎﻟﺒﺔ ﺑﻤﻮﺟﺐ ﻫﺬا اﻟﺠﺰء ﻣﻦ اﻟﻮﺛﻴﻘﺔ‪7 .‬ﻳﺘﻢ اﺣﺘﺴﺎب اﻟﻤﻄﺎﻟﺒﺎت‬
‫ﺑ ﻤ ﻮ ﺟ ﺐ ﻫ ﺬا اﻟ ﺠ ﺰ ء ﻣ ﻦ اﻟ ﻮ ﻗ ﺖ اﻟ ﻔ ﻌ ﻠ ﻲ ﻟ ﻤ ﻐﺎ د ر ة و ﺳ ﻴ ﻠ ﺔ اﻟ ﻨ ﻘ ﻞ اﻟ ﺘ ﻲ ﺣ ﺠ ﺰ ﻓ ﻴ ﻬﺎ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ‬
‫ﻟﻠ ﺴ ﻔ ﺮ ‪ ،‬ﻛ ﻤﺎ ﻫ ﻮ ﻣ ﺤ ﺪد ﻓ ﻲ‬
‫ﺑﺎﻟ ﺤ ﺪ ث اﻟ ﺬ ي ﺗ ﺴ ﺒ ﺐ ﻓ ﻲ إﻟ ﻐﺎ ء اﻟ ﺮ ﺣ ﻠ ﺔ ‪ .‬ﻳ ﺘ ﻢ ا ﺣ ﺘ ﺴﺎ ب اﻟ ﺘ ﻌ ﻮﻳ ﺾ ﺑ ﻤ ﻮ ﺟ ﺐ ﻫ ﺬ ه اﻟ ﺘ ﻐ ﻄ ﻴﺎ ت‬
‫ﻣ ﻦ اﻟ ﻮ ﻗ ﺖ اﻟ ﻔ ﻌﻠ ﻲ ﻟ ﻤ ﻐﺎد ر ة و ﺳﻴﻠ ﺔ اﻟﻨ ﻘ ﻞ اﻟﺘ ﻲ ﺣ ﺠ ﺰ ﻓﻴ ﻬﺎ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻟﻠ ﺴ ﻔ ﺮ ‪ ،‬ﻛ ﻤﺎ ﻫ ﻮ‬
‫ﻣ ﺤ ﺪد ﻓ ﻲ ﺗﺄ ﻛﻴ ﺪ اﻟ ﺤ ﺠ ﺰ‪.‬‬
‫اﻟ ﺠ ﺰ ء اﻟ ﺮاﺑ ﻊ ‪ :‬ا ﻻ ﺳ ﺘ ﺜ ﻨﺎ ءا ت‬
‫‪1‬اﻟﺨﺴﺎﺋﺮ واﻷﺿﺮار واﻟﻤﺮض واﻻﺻﺎﺑﺔ اﻟﻨﺎﺟﻤﺔ ﺑﺸﻜﻞ ﻣﺒﺎﺷﺮ أو ﻏﻴﺮ ﻣﺒﺎﺷﺮ ﺗﻌﺘﺒﺮ‬
‫ﻣ ﺴ ﺘ ﺜ ﻨﺎ ة ﻣ ﻦ اﻟ ﺘ ﻐ ﻄ ﻴ ﺔ ﺑ ﻤ ﻮ ﺟ ﺐ ﻫ ﺬ ه اﻟ ﻮﺛ ﻴ ﻘ ﺔ ﻋ ﻦ ﻣﺎ ﻳ ﻠ ﻲ ‪ :‬أ ( ﺗ ﻠ ﻚ اﻟ ﻨﺎﺗ ﺠ ﺔ ﻋ ﻦ ﺳ ﻮ ء ﻧ ﻴ ﺔ‬
‫اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ وا ﺷ ﺘ ﺮا ﻛ ﻪ ﻓ ﻲ أ ﻋ ﻤﺎ ل إ ﺟ ﺮا ﻣ ﻴ ﺔ أ و ﻛ ﻨ ﺘ ﻴ ﺠ ﺔ ﻻ ﺣ ﺘ ﻴﺎﻟ ﻪ أ و ا ﻻ ﻋ ﻤﺎ ل اﻟ ﺨ ﻄ ﻴ ﺮ ة أ و‬
‫ا ﻷ ﻓ ﻌﺎ ل اﻟ ﻄﺎﺋ ﺸ ﺔ ﺑ ﻤﺎ‬
‫ﻓ ﻲ ذﻟ ﻚ أ ﻓ ﻌﺎ ل اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ و ﻫ ﻮ ﻓ ﻲ ﺣﺎﻟ ﺔ ا ﻹ ﺧ ﺘ ﻼ ل اﻟ ﻌ ﻘ ﻠ ﻲ أ و ﺗ ﺤ ﺖ ﺗﺄﺛ ﻴ ﺮ اﻟ ﻌ ﻼ ج اﻟ ﻨ ﻔ ﺴ ﻲ ‪.‬‬
‫ب ( اﻟ ﻈ ﻮا ﻫ ﺮ اﻟ ﻄ ﺒ ﻴ ﻌ ﻴ ﺔ ﻏ ﻴ ﺮ اﻟ ﻌﺎ دﻳ ﺔ ‪ /‬و ﻋ ﻠ ﻰ ﺳ ﺒ ﻴ ﻞ اﻟ ﻤ ﺜﺎ ل اﻟ ﻔ ﻴﺎ ﺿﺎﻧﺎ ت واﻟ ﺰ ﻻ ز ل‬
‫وا ﻻﻧ ﺤ ﺮا ﻓﺎ ت ا ﻷ ر ﺿ ﻴ ﺔ واﻟ ﺜ ﻮ را ن اﻟ ﺒ ﺮ ﻛﺎﻧ ﻲ وا ﻹ ﻋ ﺼﺎ ر‬
‫اﻟ ﺤ ﻠ ﺰ وﻧ ﻲ اﻟ ﻨ ﻤ ﻮ ذ ﺟ ﻲ ‪.‬‬
‫ج ( ا ﻷ ﺣ ﺪا ث اﻟ ﻨﺎ ﺟ ﻤ ﺔ ﻋ ﻦ ا ﻹ ر ﻫﺎ ب أ و اﻟ ﺘ ﻤ ﺮ د أ و ا ﻻ ﺿ ﻄ ﺮاﺑﺎ ت اﻟ ﺠ ﻤﺎ ﻫ ﻴ ﺮﻳ ﺔ ‪.‬‬
‫د ( أ ﺣ ﺪا ث وأ ﻓ ﻌﺎ ل اﻟ ﻘ ﻮا ت اﻟ ﻤ ﺴ ﻠ ﺤ ﺔ أ و ﻗ ﻮا ت ا ﻷ ﻣ ﻦ ﻓ ﻲ و ﻗ ﺖ اﻟ ﺴ ﻠ ﻢ ‪.‬‬
‫ه ( اﻟ ﺤ ﺮ و ب ﺳ ﻮا ء ﻛﺎﻧ ﺖ ﻣ ﻌ ﻠ ﻨ ﺔ أ و ﻏ ﻴ ﺮ ﻣ ﻌ ﻠ ﻨ ﺔ ﻣ ﺴ ﺒ ﻘﺎ وأ ي ﻧ ﺰا ﻋﺎ ت أ و ﺗ ﺪ ﺧ ﻼ ت د وﻟ ﻴ ﺔ‬
‫ﺑﺎ ﺳ ﺘ ﺨ ﺪا م اﻟ ﻘ ﻮ ة أ و ا ﻻ ﻛ ﺮا ه ‪.‬‬
‫و ( ﺗ ﻠ ﻚ اﻟ ﻨﺎﺗ ﺠ ﺔ ﻋ ﻦ اﻟ ﻄﺎ ﻗ ﺔ اﻟ ﻨ ﻮ وﻳ ﺔ أ و ا ﻻ ﺷ ﻌﺎ ﻋ ﻴ ﺔ ‪.‬‬
‫ز ( ﺗ ﻠ ﻚ اﻟ ﻨﺎ ﺟ ﻤ ﺔ ﻋ ﻦ ﻣ ﺸﺎ ر ﻛ ﺔ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻓ ﻲ اﻟ ﻤ ﺮا ﻫ ﻨﺎ ت أ و اﻟ ﺘ ﺤ ﺪﻳﺎ ت أ و اﻟ ﻤ ﺸﺎ ﺟ ﺮا ت‪،‬‬
‫ﺑﺎ ﺳ ﺘ ﺜ ﻨﺎ ء ﻓ ﻲ ﺣﺎﻟ ﺔ اﻟ ﺪ ﻓﺎ ع اﻟ ﻤ ﺸ ﺮ و ع أ و ﻋ ﻨ ﺪ اﻟ ﻀ ﺮ و ر ة ‪ .‬ط ( اﻟ ﻤ ﺮ ض أ و ا ﻻ ﺻﺎﺑﺎ ت اﻟ ﻘﺎﺋ ﻤ ﺔ‬
‫ﺔ ﻓ ﻲ اﻟ ﺸ ﺮ و ط اﻟ ﺨﺎ ﺻ ﺔ و و ﻓ ﻘﺎ‬ ‫ﻗ ﺒ ﻞ ﺗ ﻘ ﺪﻳ ﻢ اﻟ ﻤ ﻄﺎﻟ ﺒ ﺔ ﻣﺎ ﻟ ﻢ ﻳ ﻜ ﻦ ﻣ ﻨ ﺼ ﻮ ص ﻋ ﻠ ﻴ ﻬﺎ ﺻ ﺮا ﺣ ً‬
‫ﻟ ﺪ ﻓ ﻊ ﻗ ﺴ ﻂ اﻟﺘﺄ ﻣﻴ ﻦ‬
‫ا ﻹ ﺿﺎ ﻓ ﻲ ‪ .‬ي ( ﺗ ﻠ ﻚ اﻟ ﻨﺎﺗ ﺠ ﺔ ﻋ ﻦ ﻣ ﺸﺎ ر ﻛ ﺔ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﺑﺎﻟ ﻤ ﻨﺎ ﻓ ﺴﺎ ت واﻟ ﺮﻳﺎ ﺿﺎ ت أ و ا ﻻ ﺧ ﺘ ﺒﺎ را ت‬
‫اﻟ ﺘ ﻤ ﻬ ﻴ ﺪﻳ ﺔ أ و اﻟ ﺘ ﺪ رﻳ ﺒ ﻴ ﺔ واﻟ ﻤ ﺸﺎ ر ﻛ ﺔ ﻓ ﻲ اﻟ ﻤ ﻨﺎ ﻓ ﺴﺎ ت أ و‬
‫اﻟﻤﺴﺎﺑﻘﺎت اﻟﺘﻲ ﻳﺘﻢ ﺗﻨﻈﻴﻤﻬﺎ ﻣﻦ ﻗﺒﻞ اﻻﺗﺤﺎدات اﻟﺮﻳﺎﺿﻴﺔ أو اﻟﻤﻨﻈﻤﺎت اﻟﻤﺸﺎﺑﻬﺔ‪ .‬ك(‬
‫ﻣ ﻦ أ ﺷ ﻜﺎﻟ ﻪ أ و ﺻ ﻴ ﺪ اﻟ ﺤ ﻴ ﻮاﻧﺎ ت اﻟ ﻜ ﺒ ﻴ ﺮ ة ﺧﺎ ر ج ا ﻷ را ﺿ ﻲ ا ﻷ و ر وﺑ ﻴ ﺔ أ و اﻟ ﻐ ﻮ ص ﺗ ﺤ ﺖ اﻟ ﻤﺎ ء‬
‫ﺑﺎ ﺳ ﺘ ﺨ ﺪا م اﻟ ﺮﺋ ﺔ ا ﻻ ﺻ ﻄ ﻨﺎ ﻋ ﻴ ﺔ أ و ا ﻻﺑ ﺤﺎ ر ﻓ ﻲ اﻟ ﻤ ﻴﺎ ة اﻟ ﺪ وﻟ ﻴ ﺔ ﺑ ﻮا ﺳ ﻄ ﺔ ﻣ ﺮ ﻛ ﺐ ﻏ ﻴ ﺮ ﻣ ﻌ ﺪ‬
‫ﻟ ﻠ ﻨ ﻘ ﻞ اﻟ ﻌﺎ م ﻟ ﻠ ﻤ ﺴﺎ ﻓ ﺮﻳ ﻦ أ و ر ﻛ ﻮ ب اﻟ ﺨ ﻴ ﻞ أ و ﺗ ﺴ ﻠ ﻖ اﻟ ﺠ ﺒﺎ ل أ و إ ﺳ ﺘ ﻜ ﺸﺎ ف اﻟ ﻜ ﻬ ﻮ ف أ و‬
‫اﻟ ﻤ ﻼ ﻛ ﻤ ﺔ أ و اﻟ ﻤ ﺼﺎ ر ﻋ ﺔ ﺑﺄ ي ﺷ ﻜ ﻞ ﻣ ﻦ أ ﺷ ﻜﺎﻟ ﻬﺎ أ و ﻓﻨ ﻮ ن اﻟ ﻘﺘﺎ ل أ و‬
‫اﻟ ﻬ ﺒ ﻮ ط ﺑﺎﻟ ﻤ ﻈ ﻠ ﺔ أ و اﻟ ﻤ ﻨﺎ ﻃ ﻴ ﺪ أ و اﻟ ﻘ ﻔ ﺰ اﻟ ﺤ ﺮ أ و اﻟ ﺘ ﺰﻟ ﺞ و ﻋ ﻤ ﻮ ﻣﺎ أ ي رﻳﺎ ﺿ ﺔ أ و ﻧ ﺸﺎ ط‬
‫ﺗ ﺮ ﻓ ﻴ ﻬ ﻲ ﻣ ﺸ ﻬ ﻮ ر ﺑ ﺨ ﻄ ﻮ رﺗ ﻪ ‪.‬‬
‫ل( اﻟﻤﻘﻴﻢ اﻟﺪاﺋﻢ او اﻟﻄﻼب اﻟﻤﻘﻴﻤﻴﻦ ﺧﺎرج اﻟﺒﻼد‪ .‬م( اﻟﺘﺰﻟﺞ و‪/‬أو اﻟﺮﻳﺎﺿﺎت اﻟﻤﺸﺎﺑﻬﺔ‪،‬‬
‫ﻣﺎﻟ ﻢ ﺗ ﻜ ﻦ اﻟ ﺘ ﻐ ﻄ ﻴ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻨ ﻴ ﺔ ﻗ ﺪ ﺗ ﻢ ا ﻻﺗ ﻔﺎ ق ﻋ ﻠ ﻴ ﻬﺎ ﺻ ﺮا ﺣ ﺔ ‪ .‬ن ( إ ﺳ ﺘ ﺨ ﺪا م و ﺳﺎﺋ ﻞ اﻟ ﻤ ﻼ ﺣ ﺔ‬
‫اﻟ ﺠ ﻮﻳ ﺔ ﻏ ﻴ ﺮ اﻟ ﻤ ﺮ ﺧ ﺼ ﺔ ﻣ ﻦ ﻧ ﻘ ﻞ ﻋﺎ م ﻟ ﻠ ﻤ ﺴﺎ ﻓ ﺮﻳ ﻦ ﺑﺎ ﻹ ﺿﺎ ﻓ ﺔ اﻟ ﻰ ﻃﺎﺋ ﺮا ت اﻟ ﻬ ﻠ ﻴ ﻮ ﻛ ﺒ ﺘ ﻴ ﺮ ﺳ ﻮا ء‬
‫ﻛﺎ ن ﻣ ﺴﺎ ﻓ ﺮ أ و ا ﺣ ﺪ‬
‫أ ﻓ ﺮ ا د ا ﻟ ﻄ ﺎ ﻗ ﻢ ‪ .‬ﻫـ ( ا ﻟ ﺤ ﻮ ا د ث ا ﻟ ﺘ ﻲ ﺗ ﻌ ﺘ ﺒ ﺮ ﺑ ﻤ ﻮ ﺟ ﺐ ا ﻟ ﻘ ﺎ ﻧ ﻮ ن ﻋ ﻠ ﻰ أ ﻧ ﻬ ﺎ ﺣ ﻮ ا د ث ﻋ ﻤ ﻞ أ و‬
‫ﺣ ﻮا د ث ﻋ ﻤﺎﻟ ﻴ ﺔ ﻧ ﺘ ﻴ ﺠ ﺔ اﻟ ﺨ ﻄ ﺮ اﻟ ﻤ ﻼ ز م ﻟ ﻠ ﻌ ﻤ ﻞ اﻟ ﻤ ﻨ ﺠ ﺰ ﻣ ﻦ ﻗ ﺒ ﻞ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ‪.‬‬
‫ي(اﻻوﺑﺌﺔ اﻟﻤﻌﺘﺮف ﺑﻬﺎ ﻣﺤﻠﻴﺎ ً أو دوﻟﻴﺎ ً ﻻ ﻳﻨﻄﺒﻖ ﻫﺬا اﻻﺳﺘﺜﻨﺎء ﻋﻠﻰ ﻣﺰاﻳﺎ اﻟﻨﻔﻘﺎت اﻟﻄﺒﻴﺔ‬
‫اﻟﻄﺎرﺋﺔ ﺑﺴﺒﺐ ‪Covid-19 . 2‬ﺑﺎﻹﺿﺎﻓﺔ اﻟﻰ اﻻﺳﺘﺜﻨﺎءات اﻟﺴﺎﺑﻘﺔ ﻓﺈن اﻟﺘﻐﻄﻴﺎت اﻟﺘﺎﻟﻴﺔ‬
‫ﻏ ﻴ ﺮ ﻣ ﻐ ﻄﺎ ه ﺑ ﻬ ﺬا اﻟ ﺘﺄ ﻣ ﻴ ﻦ ‪.‬أ ( اﻟ ﺨ ﺪ ﻣﺎ ت اﻟ ﻤ ﻨ ﻈ ﻤ ﺔ ﻣ ﻦ ﻗ ﺒ ﻞ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﺑﺎﻟ ﻨ ﻴﺎﺑ ﺔ ﻋ ﻨ ﻪ ﺑ ﺪ و ن‬
‫إﺑ ﻼ غ ﻣ ﺴ ﺒ ﻖ أ و ﺑ ﺪ و ن ﻣ ﻮا ﻓ ﻘ ﺔ ﺷ ﺮ ﻛ ﺔ " ﺷ ﺮ ﻛ ﺔ اﻟ ﺨ ﺪ ﻣﺎ ت " إ ﻻ ﻓ ﻲ ﺣﺎ ل اﻟ ﻀ ﺮ و ر ة‬
‫اﻟ ﻘ ﺼ ﻮ ى و ﻓ ﻲ ﺗ ﻠ ﻚ اﻟ ﺤﺎﻟ ﺔ ﻳ ﺠ ﺐ ﻋ ﻠ ﻰ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﺗ ﺰ وﻳ ﺪ اﻟ ﺸ ﺮ ﻛ ﺔ ﺑﺈﻳ ﺼﺎ ﻻ ت واﻟ ﻨ ﺴ ﺦ‬
‫ا ﻻ ﺻ ﻠ ﻴ ﺔ ﻟ ﻠ ﻔ ﻮاﺗ ﻴ ﺮ ‪.‬‬
‫ب ( اﻟ ﻤ ﺮ ض أ و ا ﻻ ﺻﺎﺑﺎ ت اﻟ ﻨﺎﺗ ﺠ ﺔ ﻋ ﻦ ا ﻻ ﻣ ﺮا ض اﻟ ﻤ ﺰ ﻣ ﻨ ﺔ أ و ﻋ ﻦ ﺗ ﻠ ﻚ اﻟ ﺘ ﻲ ﻛﺎﻧ ﺖ ﻗﺎﺋ ﻤ ﺔ أ و‬
‫ﻣ ﻮ ﺟ ﻮ د ه ﻗ ﺒ ﻞ ﺗﺎ رﻳ ﺦ ﺑ ﺪ ء اﻟ ﺮ ﺣ ﻠ ﺔ ‪.‬‬
‫ﻣﻦ‬ ‫ا ﻹﻧ ﺘ ﺤﺎ ر ﻋ ﻦ ﻏ ﻴ ﺮ إ ﺧ ﺘ ﻴﺎ ر أ و إ د را ك أ و ﻋ ﻦ أ ي ﺳ ﺒ ﺐ ﻳ ﺆ د ي اﻟ ﻰ ﻓ ﻘ ﺪا ن ا ﻹ ر دا ة ﻓﺈ ن اﻟ ﻤ ﺆ َ ِ‬
‫ﻳﻠﺘ ﺰ م ﺑ ﺪ ﻓ ﻊ ﻛﺎ ﻣ ﻞ اﻟﺘﺄ ﻣﻴ ﻦ اﻟ ﻤ ﺴﺘ ﺤ ﻖ‬
‫ﻋ ﻠ ﻴ ﻪ ‪ .‬ﻫـ ( ﺗ ﻠ ﻚ ا ﻟ ﻨ ﺎ ﺷ ﺌ ﺔ ﻋ ﻦ ا ﻻ ﻣ ﺮ ا ض أ و ا ﻟ ﺤ ﺎ ﻻ ت ا ﻟ ﻤ ﺮ ﺿ ﻴ ﺔ ا ﻟ ﻨ ﺎ ﺟ ﻤ ﺔ ﻋ ﻦ ا ﻻ ﺳ ﺘ ﻬ ﻼ ك‬
‫اﻟ ﻤ ﺘ ﻌ ﻤ ﺪ ﻟ ﻠ ﻜ ﺤ ﻮ ل أ و اﻟ ﻌ ﻘﺎ ﻗ ﻴ ﺮ أ و اﻟ ﻤ ﻮا د اﻟ ﺴﺎ ﻣ ﺔ أ و اﻟ ﻤ ﺨ ﺪ را ت أ و‬
‫ا ﻻ د وﻳ ﺔ اﻟ ﺘ ﻲ ﻳ ﺘ ﻢ اﻟ ﺤ ﺼ ﻮ ل ﻋ ﻠ ﻴ ﻬﺎ ﺑ ﺪ و ن و ﺻ ﻔ ﺔ ﻃ ﺒ ﻴ ﺔ ﺑﺎ ﻹ ﺿﺎ ﻓ ﺔ اﻟ ﻰ أ ي ﻧ ﻮ ع ﻣ ﻦ ا ﻻ ﻣ ﺮا ض‬
‫اﻟ ﻌ ﻘﻠﻴ ﺔ أ و ا ﻻ ﺧﺘ ﻼ ل اﻟ ﻌ ﻘﻠ ﻲ‪.‬‬
‫و ( ﺗ ﻠ ﻚ اﻟ ﻨﺎﺗ ﺠ ﺔ ﻋ ﻦ اﻟ ﺘﺄ ﺧ ﻴ ﺮ ﻣ ﻦ ﺟﺎﻧ ﺐ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ و ا ﻻ ﺷ ﺨﺎ ص اﻟ ﻤ ﺴ ﺆ وﻟ ﻴ ﻦ ﻋ ﻨ ﻪ ﻓ ﻲ اﻟ ﻨ ﻘ ﻞ‬
‫اﻟ ﻤ ﻘ ﺘ ﺮ ح ﻓ ﻲ اﻟ ﺨ ﺪ ﻣ ﺔ اﻟ ﻄ ﺒ ﻴ ﺔ اﻟ ﻌﺎﺋ ﺪ ة ﻟ ﻪ ‪.‬‬
‫ز( ﻣ ﻌﺎﻟ ﺠﺎ ت إ ﻋﺎد ة اﻟﺘﺄ ﻫﻴ ﻞ ‪.‬‬
‫ح ( ﺗ ﻌ ﻮﻳ ﺾ ا ﻻ ﻋ ﻀﺎ ء أ و ﻣ ﻮا د اﻟ ﺘ ﻘ ﻮﻳ ﻢ أ و اﻟ ﺘ ﺠ ﺒ ﻴ ﺮ أ و ﻣ ﻮا د رﺑ ﻂ اﻟ ﻌ ﻈﺎ م ﺑﺎ ﻹ ﺿﺎ ﻓ ﺔ اﻟ ﻰ‬
‫اﻟ ﻨ ﻈﺎ را ت ‪.‬‬
‫ط( ﺗﻠﻚ اﻟﻨﺎﺗﺠﺔ ﻋﻦ اﻟﺤﻤﻞ واﻟﻮﻻدة أو ﻧﺘﻴﺠﺔ ﻟﻤﻀﺎﻋﻔﺎﺗﻪ أو ﻧﺘﻴﺠﺔ اﻻﺟﻬﺎض اﻟﻤﺘﻌﻤﺪ‪ .‬ي(‬
‫ﺗﻠ ﻚ اﻟﻨﺎ ﺷﺌ ﺔ ﻋ ﻦ ا ﻻ ﻣﺘ ﻌ ﺔ ﻏﻴ ﺮ اﻟ ﻤ ﺤ ﺰ و ﻣ ﺔ أ و ﻏﻴ ﺮ اﻟ ﻤ ﻌ ﺮ ﻓ ﺔ ﺑ ﺸ ﻜ ﻞ ﺟﻴ ﺪ و ﻛﺎ ﻓ ﻲ ﺑﺎ ﻹ ﺿﺎ ﻓ ﺔ اﻟ ﻰ‬
‫‪(according to schedule) each and every claim‬‬
‫‪SECTION C: Losses‬‬
‫‪1.Compensation for in-flight loss of checked-in baggage‬‬
‫‪The Company will supplement the compensation for which‬‬
‫‪the carrier is liable up to a limit provided by the selected Plan,‬‬
‫‪as a sum of both compensation payments, for the collection of‬‬
‫‪4‬اذا ﻛﺎن اﻟﻤﺆﻣﻦ ﻟﻪ ﻗﻴﺪ ﻟﻤﻌﺎﻟﺠﺔ أو اﻻﺷﺮاف اﻟﻄﺒﻲ ﺧﻼل اﻹﺛﻨﻲ ﻋﺸﺮ ﺷﻬﺮا ﻗﺒﻞ اﻟﺒﺪء‬
‫‪baggage and possessions checked in by each Insured, in the‬‬
‫‪event of loss during the carriage by air performed by the‬‬
‫‪carrier company, for the purpose of which the Insured shall‬‬
‫‪furnish a list of the contents including the estimated price and‬‬
‫‪date of purchase of each item, as well as the settlement of the‬‬
‫‪compensation payment by the carrier. Compensation payment‬‬
‫‪for loss will be calculated according to the procedures‬‬
‫‪recommended by international carriage by air organisations.‬‬
‫‪The minimum period of time that must elapse for the baggage‬‬
‫‪to be considered to have been lost once and for all will be that‬‬
‫‪stipulated by the carrier company shall not be less than 21‬‬
‫‪days. This cover is subject to a limit provided by the referred‬‬
‫اﻟ ﻤ ﺴ ﺘ ﺸ ﻔ ﻰ ﺳ ﻮ ف ﺗ ﺪ ر س ﺷ ﺮ ﻛ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ ﻫ ﺬ ه اﻟ ﺤﺎ ﻻ ت و ﺳ ﻴ ﺘ ﻢ د ﻓ ﻊ اﻟ ﻔ ﻮاﺗ ﻴ ﺮ ﺑ ﻌ ﺪ ﺗ ﻘ ﻴ ﻴ ﻤ ﻬﺎ‬
‫‪plan. Money, jewellery, debit/credit cards, cheques and any‬‬
‫‪type of document are excluded from this guarantee.‬‬
‫‪2. Trip Cancellation‬‬
‫اﻟ ﺤﺎ د ث ﻣ ﻐ ﻄ ﻰ ‪ .‬ب ‪ -‬ﻓ ﻲ ﺣﺎ ل ﻣ ﺮا ﺟ ﻌ ﺔ ﺷ ﺮ ﻛ ﺔ اﻟ ﺘﺎ ﻣ ﻴ ﻦ ﺑﺎﻟ ﺤﺎ د ث ﻳ ﺘ ﻢ ﻃ ﻠ ﺐ اﻟ ﺘ ﻘ ﺮﻳ ﺮ اﻟ ﻄ ﺒ ﻲ‬
‫‪Insurers shall indemnify the Insured Person in respect of all‬‬
‫‪irrecoverable deposits, advance payments and other charges‬‬
‫‪paid or due to be paid for travel and/or accommodation up to‬‬
‫‪a maximum as per table of benefits, in the event of the Insured‬‬
‫‪Person's Covered Trip being necessarily cancelled or curtailed‬‬
‫‪4‬اﻟﻤﺆﻣﻦ ﻟﻪ ﻣﺆﻫﻞ اﻟﺤﺼﻮل ﻋﻠﻰ اﻟﺨﺪﻣﺎت ﺣﻴﻦ ﻳﺴﺎﻓﺮ ﺧﺎرج وﻃﻨﻪ اﻻم أو ﺑﻠﺪ إﻗﺎﻣﺘﻪ‬
‫‪due to:‬‬
‫‪i)the death, accidental bodily injury or illness of the Insured‬‬
‫‪Person or the death, accidental bodily injury or illness of the‬‬
‫اﻟ ﻨ ﻴ ﺔ أ ﻣ ﺮ أ و ﻗ ﺪ م ﺑ ﻴﺎﻧﺎ ً ﻏ ﻴ ﺮ ﺻ ﺤ ﻴ ﺢ ﺑ ﺼ ﻮ ر ة ﺗ ﻘ ﻠ ﻞ ﻣ ﻦ أ ﻫ ﻤ ﻴ ﺔ اﻟ ﺨ ﻄ ﺮ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ و ﺗ ﺆ د ي اﻟ ﻰ‬
‫;‪Insured Person's immediate relative‬‬
‫‪ii)the death, accidental bodily injury or illness of any person‬‬
‫‪with whom the Insured Person had arranged to travel, reside‬‬
‫;‪or conduct business, or of the immediate relative‬‬
‫‪iii)the Insured Person or any person with whom the Insured,‬‬
‫‪Person had arranged to travel, reside or conduct business‬‬
‫;‪being: a)quarantined or called for witness or jury service‬‬
‫‪b)made redundant provided that such redundancy qualifies‬‬
‫‪for payment under the applicable Usual country of residence‬‬
‫;‪legislation‬‬
‫‪c)called for emergency duty as a member of the armed forces,‬‬
‫‪civil defence administration, the police force or the fire,‬‬
‫;‪rescue, public utility or medical services‬‬
‫‪d)required to be present at his home or place of business in‬‬
‫‪the Usual country of residence following burglary or major‬‬
‫;‪damage‬‬
‫‪iv)the cancellation of scheduled or chartered transport‬‬
‫ﻳ ﻜ ﻮ ن ل " ﺷ ﺮ ﻛ ﺔ اﻟ ﺨ ﺪ ﻣﺎ ت " اﻟ ﺤ ﻖ واﻟ ﻔ ﺮ ﺻ ﺔ ﻓ ﻲ ﻓ ﺤ ﺺ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻣ ﻦ ﺧ ﻼ ل ﻣ ﻤ ﺜ ﻠ ﻬﺎ ﻛ ﻠ ﻤﺎ‬
‫‪services (including connecting publicly licensed‬‬
‫‪transportation) caused by accident, strike, industrial action, hi‬‬
‫‪jack, terrorist act, criminal act, bomb scare, riot, civil‬‬
‫‪commotion, fire, flood, earthquake, landslide, avalanche,‬‬
‫‪adverse weather conditions or mechanical breakdown,‬‬
‫‪provided that the event giving rise to such cancellation‬‬
‫‪occurs, or is only announced, after the Covered Trip is booked‬‬
‫;‪or this Insurance is effected, whichever the later‬‬
‫‪v)Major damage rendering uninhabitable the accommodation‬‬
‫‪in which the Insured Person had previously booked to reside‬‬
‫‪during a Covered Trip.‬‬
‫‪The Insured shall furnish the evidence, documents or‬‬
‫‪certificates of the event, which caused the journey to be‬‬
‫‪cancelled.‬‬
‫ا ﻻ ﻣ ﺘ ﻌ ﻪ ﺳ ﻬ ﻠ ﺔ اﻟ ﻜ ﺴ ﺮ أ و اﻟ ﻤ ﻨ ﺘ ﺠﺎ ت اﻟ ﻘﺎﺑ ﻠ ﺔ‬
‫ﻟﻠ ﻔ ﺴﺎد‪.‬‬
‫ك ( اﻟ ﻤ ﺴﺎ ﻋ ﺪ ة أ و اﻟ ﺘ ﻌ ﻮﻳ ﺾ ﻋ ﻦ ﺣ ﻮا د ث ﺣ ﺼ ﻠ ﺖ ﺧ ﻼ ل ر ﺣ ﻠ ﺔ ﻛﺎﻧ ﺖ ﻗ ﺪ ﺑ ﺪأ ت ﻓ ﻲ أ ي ﻣ ﻦ‬
‫اﻟ ﻈ ﺮ و ف اﻟﺘﺎﻟﻴ ﺔ ‪:‬‬
‫‪1‬ﻗﺒﻞ ﺳﺮﻳﺎن ﻣﻔﻌﻮل ﻫﺬا اﻟﺘﺄﻣﻴﻦ ‪.‬‬
‫‪2‬ﺑﻨﻴﺔ اﻟﺤﺼﻮل ﻋﻠﻰ ﻣﻌﺎﻟﺠﺔ ﻃﺒﻴﺔ ﻋﻠﻰ أن ﻳﻘﻊ ﻋﺐء إﺛﺒﺎت ذﻟﻚ ﻋﻠﻰ ﺷﺮﻛﺔ اﻟﺘﺄﻣﻴﻦ‪.‬‬
‫‪3‬ﺑﻌﺪ ﺗﺸﺨﻴﺺ ﻣﺮض ﻣﻤﻴﺖ‪.‬‬
‫ﺑﺎﻟ ﺮ ﺣ ﻠ ﺔ ‪ .‬ك ( اﻟ ﻤ ﺼﺎ رﻳ ﻒ اﻟ ﺘ ﻲ ﺗ ﻨ ﺸﺄ ﺣﺎﻟ ﻤﺎ ﻳ ﻜ ﻮ ن اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻣ ﻮ ﺟ ﻮ د ﻓ ﻲ ﺑ ﻠ ﺪ إ ﻗﺎ ﻣ ﺘ ﻪ‬
‫ا ﻻ ﻋ ﺘ ﻴﺎ د ي وﺗ ﻠ ﻚ اﻟ ﺘ ﻲ ﻳ ﺘ ﻢ ﺗ ﻜ ﺒ ﺪ ﻫﺎ ﺧﺎ ر ج ﻧ ﻄﺎ ق ﺗ ﻄ ﺒ ﻴ ﻖ ﺿ ﻤﺎﻧﺎ ت اﻟ ﺘﺄ ﻣ ﻴ ﻦ‪ ،‬و ﻓ ﻲ أ ي ﺣﺎ ل ﻣ ﻦ‬
‫اﻷﺣﻮال ‪،‬اﻧﻘﻀﺎء ﺗﻮارﻳﺦ اﻟﺴﻔﺮ اﻟﻤﻘﺼﻮد ﻓﻲ ﻫﺬة اﻻﺗﻔﺎﻗﻴﺔ أو ﺑﻌﺪ اﻧﻘﻀﺎء )‪ (92‬ﻳﻮﻣﺎ ﻣﻦ‬
‫ﺑ ﺪاﻳ ﺔ اﻟ ﺮ ﺣ ﻠ ﺔ‪ ،‬ﺑ ﻐ ﺾ‬
‫اﻟﻨ ﻈ ﺮ ﻟ ﻤﺎ ﻫ ﻮ ﻣﻨ ﺼ ﻮ ص ﻋﻠﻴ ﻪ ﻓ ﻲ اﻟ ﺸ ﺮ و ط اﻟ ﻺ ﺿﺎ ﻓﻴ ﺔ أ و ﻓ ﻲ اﻟ ﺸ ﺮ و ط اﻟ ﺨ ﺼ ﻮ ﺻﻴ ﺔ أ و‬
‫اﻟ ﺸ ﺮ و ط اﻟ ﺨﺎ ﺻ ﺔ‪.‬‬
‫ل( ﻳ ﻜ ﻮ ن اﻟ ﺸ ﺮ ﻛ ﺔ ﻣ ﻌ ﻔﺎ ة ﻣ ﻦ اﻟ ﻤ ﺴ ﺆ وﻟﻴ ﺔ ﻋﻨ ﺪ ﻣﺎ ﺗ ﻜ ﻮ ن ﻧﺘﻴ ﺠ ﺔ ﻟ ﻘ ﻮ ة ﻗﺎ ﻫ ﺮ ة ‪ .‬ﻏﻴ ﺮ ﻗﺎد ر ة‬
‫ﻋ ﻠ ﻰ اﻧ ﺠﺎ ز ا ي ﻣ ﻦ اﻟ ﺘ ﻐ ﻄ ﻴﺎ ت اﻟ ﻮا ر د ة ﻋ ﻠ ﻰ و ﺟ ﻪ اﻟ ﺘ ﺨ ﺼ ﻴ ﺺ ﻓ ﻲ ﻫ ﺬ ه اﻟ ﻮﺛ ﻴ ﻘ ﺔ ‪.‬‬
‫م( اذا ﺗﻢ اﺻﺪار اﻟﻮﺛﻴﻘﺔ ﺑﻴﻨﻤﺎ اﻟﻤﺆﻣﻦ ﻟﻪ ﺧﺎرج ﺑﻠﺪ اﻹﻗﺎﻣﺔ و‪/‬أو ﺑﻌﺪ ﺑﺪء اﻟﺮﺣﻠﺔ ‪ .‬ن(‬
‫ا ﻷ وﺑ ﺌ ﺔ اﻟ ﻤ ﻌ ﺘ ﺮ ف ﺑ ﻬﺎ د وﻟ ﻴﺎ و ﻣ ﺤ ﻠ ﻴﺎ ﻻ ﻳ ﻨ ﻄ ﺒ ﻖ ﻫ ﺬا ا ﻻ ﺳ ﺘ ﺜ ﻨﺎ ء ﻋ ﻠ ﻰ ﻣ ﺰاﻳﺎ اﻟ ﻨ ﻔ ﻘﺎ ت اﻟ ﻄ ﺒ ﻴ ﺔ‬
‫اﻟﻄﺎرﺋﺔ ﺑﺴﺒﺐ ‪Covid-19‬‬
‫اﻟ ﺠ ﺰ ء اﻟ ﺨﺎ ﻣ ﺲ‪ -‬ا ﻻ ﻫﻠﻴ ﺔ‬
‫‪1‬إن اﻟﻤﺆﻣﻦ ﻟﻪ اﻟﻤﻌﻨﻲ ﻣﺆﻫﻞ ﻟﺒﺮﻧﺎﻣﺞ "ﺷﺮﻛﺔ اﻟﺨﺪﻣﺎت" ﻋﻠﻰ اﻟﺮﻗﻢ اﻟﻤﺪون ﻋﻠﻰ‬
‫وﺛ ﻴ ﻘ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ ﻗ ﺒ ﻞ د ﺧ ﻮﻟ ﻪ اﻟ ﻤ ﺴ ﺘ ﺸ ﻔ ﻰ وإ ذا ﻗ ﺪ م اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻓ ﻮاﺗ ﻴ ﺮ ﺑ ﻌ ﺪ ﺧ ﺮ و ﺟ ﻪ ﻣ ﻦ‬
‫و ﻓ ﻘﺎ ﻟ ﺸ ﺮ و ط وﺛ ﻴ ﻘ ﺔ‬
‫ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻦ و ذ ﻟ ﻚ ﻛ ﺎ ﻷ ﺗ ﻲ‪ :‬أ ‪ -‬ﻳ ﻘ ﻮ م ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﺑ ﺎ ﻻ ﺗ ﺼ ﺎ ل ﺑ ﺸ ﺮ ﻛ ﺔ ا ﻟ ﺨ ﺪ ﻣ ﺎ ت و إ ﺑ ﻼ ﻏ ﻬ ﻢ ﻋ ﻦ‬
‫اﻟ ﺤﺎ د ث واﻟ ﺬﻳ ﻦ ﻳ ﻘ ﻮ ﻣ ﻮ ن ﺑ ﺪ و ر ﻫ ﻢ ﺑ ﺪ ﻓ ﻊ ﻗ ﻴ ﻤ ﺔ اﻟ ﻤ ﻄﺎﻟ ﺒ ﺔ ﺑ ﻌ ﺪ اﻟ ﺘ ﺤ ﻘ ﻖ ﻣ ﻦ أ ن‬
‫ا ﻻ وﻟ ﻲ واﻟ ﻔ ﻮاﺗ ﻴ ﺮ ا ﻻ ﺻ ﻠ ﻴ ﺔ و ﻓ ﻲ ﺣﺎ ل ﻛﺎ ن اﻟ ﺤﺎ د ث ﻣ ﻐ ﻄ ﻰ ﻳ ﺘ ﻢ د ﻓ ﻊ ﻗ ﻴ ﻤ ﺔ‬
‫اﻟ ﻤ ﻄﺎﻟﺒ ﺔ ﺑ ﻌ ﺪ ﺧ ﺼ ﻢ ﻗﻴ ﻤ ﺔ اﻟﺘ ﺤ ﻤ ﻞ‪.‬‬
‫‪2‬اﻟﺴﻦ اﻷﻗﺼﻰ ﻟﻼﻟﺘﺤﺎق ﺑﺎﻟﺒﺮﻧﺎﻣﺞ ﻫﻮ ‪ 80‬ﻣﺎ ﻟﻢ ﺗﻘﻢ ﺷﺮﻛﺔ اﻟﺘﺄﻣﻴﻦ ﺑﺎﻹﻋﻼم اﻟﺨﻄﻲ‬
‫ﺧ ﻼ ﻓﺎ ﻟ ﺬﻟ ﻚ‪.‬‬
‫‪3‬ﻳﺠﺐ ﻋﻠﻰ اﻟﻤﺆﻣﻦ ﻟﻪ أن ﻳﻤﻸ إﺳﺘﻤﺎرة ﻃﺒﻴﺔ ﻗﺒﻞ ﻗﺒﻮﻟﻪ ﺿﻤﻦ اﻟﺒﺮﻧﺎﻣﺞ‪.‬‬
‫اﻟﻤﻌﺘﺎدة ﻟﻔﺘﺮات ﻻ ﺗﺰﻳﺪ ﻋﻦ ‪ 92‬ﻳﻮﻣﺎ ﻣﺘﺘﺎﻟﻴﺎ‪.‬‬
‫اﻟ ﺠ ﺰ ء اﻟ ﺴﺎ د س – ﻓ ﺴ ﺦ وﺛ ﻴ ﻘ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ‬
‫ﻳﻤﻜﻦ ﻓﺴﺦ اﻟﻮﺛﻴﻘﺔ‪1 :‬ﻳﺤﻖ ﻟﺸﺮﻛﺔ اﻟﺘﺄﻣﻴﻦ ﻓﺴﺦ اﻟﻮﺛﻴﻘﺔ ﻓﻮرا إذا ﻛﺘﻢ اﻟﻤﺆﻣﻦ ﻟﻪ ﺑﺴﻮء‬
‫ﺗ ﻐ ﻴ ﻴ ﺮ ﻓ ﻲ ﻣ ﻮ ﺿ ﻮ ﻋ ﻪ أ و إ ذا أ ﺧ ﻞ ﻋ ﻦ ﻏ ﺶ ﺑﺎﻟ ﻮ ﻓﺎ ء ﺑ ﻤﺎ ﺗ ﻌ ﻬ ﺪ ﺑ ﻪ ﻛﺎ ن ﻟ ﻠ ﻤ ﺆ ﻣ ﻦ أ ن ﻳ ﻄ ﻠ ﺐ‬
‫ﻓﺴﺦ‬
‫اﻟﻮﺛﻴﻘﺔ ﻣﻊ اﻟﺤﻜﻢ ﻟﻪ ﺑﺎﻷﻗﺴﺎط اﻟﻤﺴﺘﺤﻘﺔ ﻗﺒﻞ ﻫﺬا اﻟﻄﻠﺐ وذﻟﻚ ﺑﺤﺴﺐ اﻟﻤﺎدة ‪928‬‬
‫ﻣ ﻦ اﻟ ﻘﺎﻧ ﻮ ن اﻟ ﻤ ﺪﻧ ﻲ ‪ 2 .‬إ ذا ﻗﺎ م اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ إﻟ ﻐﺎ ء ر ﺣ ﻠ ﺘ ﻪ اﻟ ﻰ اﻟ ﺨﺎ ر ج ﺑ ﺸ ﺮ ط أ ن ﻳ ﻜ ﻮ ن‬
‫اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﻗ ﺪ أ ﻋ ﻠ ﻢ و ﻛ ﻴ ﻞ اﻟ ﺴ ﻔ ﺮ ﻗ ﺒ ﻞ ﺗﺎ رﻳ ﺦ اﻟ ﻨ ﻔﺎ ذ اﻟ ﻤ ﺤ ﺪ د ﻓ ﻲ‬
‫ا ﺳ ﺘ ﻤﺎ ر ة اﻟ ﻄ ﻠ ﺐ أ و اﻟ ﺘ ﻌ ﺪﻳ ﻞ‪ ،‬وأ ن ﻳ ﻜ ﻮ ن ﻗ ﺪ ﺗ ﻠ ﻘ ﻰ ﺗ ﺜ ﺒ ﻴ ﺖ ا ﻹﻟ ﻐﺎ ء ﻓ ﻲ ﻫ ﺬ ه اﻟ ﺤﺎﻟ ﺔ ﻳ ﻌﺎ د‬
‫ﻗﺴﻂ اﻟﺘﺄﻣﻴﻦ‪3 .‬ﻳﺤﻖ ﻟﻠﺸﺮﻛﺔ ﻓﺴﺦ وﺛﻴﻘﺔ اﻟﺘﺄﻣﻴﻦ ﻓﻲ ﺣﺎل ﻋﺪم ﺗﻤﻜﻦ اﻟﺸﺮﻛﺔ ﻣﻦ‬
‫اﻟ ﻘ ﻴﺎ م ﺑ ﻤ ﺘ ﻄ ﻠ ﺒﺎ ت اﻟ ﺘ ﺤ ﻘ ﻖ ﻣ ﻦ ﻫ ﻮﻳ ﺔ اﻟ ﻤ ﺴ ﺘ ﻔ ﻴ ﺪ و ﻓ ﻘﺎ ً ﻷ ﺣ ﻜﺎ م اﻟ ﻔ ﻘ ﺮ ة ) ج (‬
‫ﻣﻦ اﻟﻤﺎدة ) ‪ ( 5‬ﻣﻦ ﺗﻌﻠﻴﻤﺎت رﻗﻢ ) ‪ (2‬ﻟﺴﻨﺔ ‪ 2016‬ﺗﻌﻠﻴﻤﺎت ﻣﻜﺎﻓﺤﺔ ﻏﺴﻞ اﻷﻣﻮال‬
‫وﺗ ﻤ ﻮﻳ ﻞ ا ﻻ ر ﻫﺎ ب ﻓ ﻲ أﻧ ﺸ ﻄ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ ‪4‬ﻳ ﺤ ﻖ ﻟ ﻠ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ ن ﻳ ﻄ ﻠ ﺐ ﻣ ﻦ اﻟ ﺸ ﺮ ﻛ ﺔ ﺑ ﺼ ﻮ ر ة‬
‫رﺳﻤﻴﺔ ﻓﺴﺦ وﺛﻴﻘﺔ اﻟﺘﺄﻣﻴﻦ‪ ،‬وﻓﻲ ﺣﺎل أن ﻗﺮر اﻟﻤﺆﻣﻦ ﻟﻪ و‪/‬أو اﻟﻤﺴﺘﻔﻴﺪ ﻓﺴﺦ ﻫﺬا‬
‫اﻟﺘﺄ ﻣﻴ ﻦ ﻳ ﺤ ﻖ ﻟﻠ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ أ ن ﻳ ﺴﺘ ﺮد ﻣ ﻦ ﺷ ﺮ ﻛ ﺔ اﻟﺘﺄ ﻣﻴ ﻦ ﻣﺒﻠ ﻐﺎ ً ﻣ ﻦ ﻗ ﺴ ﻂ اﻟﺘﺄ ﻣﻴ ﻦ ﻳﺘﻨﺎ ﺳ ﺐ‬
‫ﻣ ﻊ اﻟ ﻤ ﺪ ة اﻟ ﻤ ﺘ ﺒ ﻘ ﻴ ﺔ ﻣ ﻦ ﻣ ﺪ ة وﺛ ﻴ ﻘ ﺔ‬
‫اﻟ ﺘﺄ ﻣ ﻴ ﻦ )ﺑﺎﻟ ﻨ ﺴ ﺒ ﺔ واﻟ ﺘ ﻨﺎ ﺳ ﺐ ( ﺷ ﺮﻳ ﻄ ﺔ أ ن ﻻ ﻳ ﻜ ﻮ ن ﻗ ﺪ ﺗ ﻢ اﻟ ﺤ ﺼ ﻮ ل ﻋ ﻠ ﻰ ﺗ ﻌ ﻮﻳ ﺾ ﺑ ﻤ ﻮ ﺟ ﺐ‬
‫و ﺛ ﻴ ﻘ ﺔ ا ﻟ ﺘ ﺄ ﻣ ﻴ ﻦ ﺧ ﻼ ل ﻣ ﺪ ة ﺳ ﺮ ﻳ ﺎ ﻧ ﻬ ﺎ ‪5 .‬ﻓ ﻲ ﺣ ﺎ ل ﻓ ﺴ ﺦ ا ﻟ ﻮ ﺛ ﻴ ﻘ ﺔ ﻳ ﺘ ﻢ إ ﻋ ﺎ د ة ﺟ ﺰ ء ﻣ ﻦ ﻗ ﺴ ﻂ‬
‫اﻟ ﺘﺄ ﻣ ﻴ ﻦ ﻟ ﻠ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ‪ ،‬و ﻓ ﻲ ﺣﺎ ل ﻋ ﺪ م ا ﺳ ﺘ ﺨ ﺪا ﻣ ﻪ ﻟ ﻠ ﻮﺛ ﻴ ﻘ ﺔ وﺗ ﻘ ﺪﻳ ﻢ ا ﻷ و را ق اﻟ ﻼ ز ﻣ ﺔ ﻹﺛ ﺒﺎ ت‬
‫ﻋ ﺪ م اﻟ ﺴ ﻔ ﺮ ﺣ ﻴ ﺚ ﺳ ﻴ ﺘ ﻢ إ ﻋﺎ د ة ﻛﺎ ﻣ ﻞ اﻟ ﻘ ﺴ ﻂ ﻓ ﻲ ﺣﺎ ل ﻋ ﺪ م اﺑ ﺘ ﺪا ء اﻟ ﺘﺄ ﻣ ﻴ ﻦ أ ﻣﺎ ﻓ ﻲ ﺣﺎ ل‬
‫اﺑ ﺘ ﺪا ء اﻟ ﺘﺄ ﻣ ﻴ ﻦ ﻓ ﺴ ﻴ ﺘ ﻢ إ ﻋﺎ د ة ﺟ ﺰ ء ﻣ ﻦ ﻗ ﺴ ﻂ اﻟ ﺘﺄ ﻣ ﻴ ﻦ‬
‫و ذﻟ ﻚ ﻧ ﺴ ﺒ ﻪ وﺗ ﻨﺎ ﺳ ﺐ ﻣ ﻊ اﻟ ﻔ ﺘ ﺮ ة اﻟ ﻤ ﺘ ﺒ ﻘ ﻴ ﺔ ﻣ ﻦ اﻟ ﺘﺄ ﻣ ﻴ ﻦ ﻣ ﻦ ﺗﺎ رﻳ ﺦ ا ﻹﺑ ﻼ غ ﻋ ﻦ اﻟ ﻔ ﺴ ﺦ ‪.‬‬
‫اﻟ ﺠ ﺰ ء اﻟ ﺴﺎﺑ ﻊ ‪ :‬اﻟ ﻔ ﺤ ﻮ ص‬
‫إ ﺳ ﺘ ﺪ ﻋ ﻰ ا ﻻ ﻣ ﺮ ذﻟ ﻚ ﺑ ﺸ ﻜ ﻞ ﻣ ﻌ ﻘ ﻮ ل وﺑ ﻌ ﺪ د اﻟ ﻤ ﺮا ت اﻟ ﻼ ز ﻣ ﺔ ‪.‬‬
‫اﻟ ﺠ ﺰ ء اﻟﺜﺎ ﻣ ﻦ ‪ :‬اﻟ ﻤ ﺴ ﺆ وﻟﻴ ﺔ‬
‫ﺷ ﺮ ﻛ ﺔ اﻟ ﻀﺎ ﻣ ﻨ ﻮ ن اﻟ ﻌ ﺮ ب ﻟ ﻠ ﺘﺄ ﻣ ﻴ ﻦ ﻫ ﻲ اﻟ ﺤﺎ ﻣ ﻠ ﺔ ﻟ ﻠ ﺨ ﻄ ﺮ واﻟ ﻤ ﺴ ﺆ وﻟ ﺔ ﻟ ﺬا ﻋ ﻨ ﺪ ا ﻻ ﺳ ﺘ ﻔ ﺴﺎ ر أ و‬
‫اﻟ ﻤ ﺮا ﺟ ﻌ ﺔ ﻋ ﻠ ﻰ اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ا ﻻﺗ ﺼﺎ ل ﺑ ﺸ ﺮ ﻛ ﺔ اﻟ ﻀﺎ ﻣ ﻨ ﻮ ن اﻟ ﻌ ﺮ ب ﻟ ﻠ ﺘﺄ ﻣ ﻴ ﻦ ‪.‬‬
‫اﻟ ﺠ ﺰ ء اﻟﺘﺎ ﺳ ﻊ ‪:‬‬
‫ﺗ ﺨ ﻀ ﻊ ﻫ ﺬ ه اﻟ ﻮﺛ ﻴ ﻘ ﺔ ﻟ ﻠ ﻘﺎﻧ ﻮ ن ا ﻻ ر دﻧ ﻲ ‪.‬‬
‫اﻟ ﺠ ﺰ ء اﻟ ﻌﺎ ﺷ ﺮ ‪ :‬اﻟ ﻤ ﺪد اﻟ ﻘ ﺼﻴ ﺮ ة‬
‫ﺗ ﻌ ﺮﻳ ﻔ ﺔ اﻟ ﻤ ﺪ د اﻟ ﻘ ﺼ ﻴ ﺮ ة ‪ :‬ﻣ ﺪ ة ﺳ ﺮﻳﺎ ن اﻟ ﺘﺄ ﻣ ﻴ ﻦ ﻧ ﺴ ﺒ ﺔ ﻣﺎ ﻳ ﻌﺎ د ﻟ ﻠ ﻌ ﻤ ﻴ ﻞ ﻣ ﻦ اﻟ ﻘ ﺴ ﻂ‬
‫ا ﻻ ﺳﺎ ﺳ ﻲ‬
‫‪ 10%‬ﻣﻦ ﻣﺪة اﻟﺘﺄﻣﻴﻦ‬
‫‪ 90%‬ﻣﻦ اﻟﻘﺴﻂ اﻷﺳﺎﺳﻲ‬
‫‪ 20%‬ﻣﻦ ﻣﺪة اﻟﺘﺄﻣﻴﻦ‬
‫‪ 80%‬ﻣﻦ اﻟﻘﺴﻂ اﻷﺳﺎﺳﻲ‬
‫‪ 30%‬ﻣﻦ ﻣﺪة اﻟﺘﺄﻣﻴﻦ‬
‫‪ 70%‬ﻣﻦ اﻟﻘﺴﻂ اﻷﺳﺎﺳﻲ‬
‫‪ 40%‬ﻣﻦ ﻣﺪة اﻟﺘﺄﻣﻴﻦ‬
‫‪ 60%‬ﻣﻦ اﻟﻘﺴﻂ اﻷﺳﺎﺳﻲ‬
‫‪ 50%‬ﻣﻦ ﻣﺪة اﻟﺘﺄﻣﻴﻦ‬
 ‫‪ 50%‬ﻣﻦ اﻟﻘﺴﻂ اﻷﺳﺎﺳﻲ‬
‫‪ 60%‬ﻣﻦ ﻣﺪة اﻟﺘﺄﻣﻴﻦ‬
‫‪ 40%‬ﻣﻦ اﻟﻘﺴﻂ اﻷﺳﺎﺳﻲ‬
‫‪ 70%‬ﻣﻦ ﻣﺪة اﻟﺘﺄﻣﻴﻦ‬
‫‪ 30%‬ﻣﻦ اﻟﻘﺴﻂ اﻷﺳﺎﺳﻲ‬
‫‪ 80%‬ﻣﻦ ﻣﺪة اﻟﺘﺄﻣﻴﻦ‬
‫‪ 20%‬ﻣﻦ اﻟﻘﺴﻂ اﻷﺳﺎﺳﻲ‬
‫‪ 90%‬ﻣﻦ ﻣﺪة اﻟﺘﺄﻣﻴﻦ‬
‫‪ 10%‬ﻣﻦ اﻟﻘﺴﻂ اﻷﺳﺎﺳﻲ‬
‫‪ 100%‬ﻣﻦ ﻣﺪة اﻟﺘﺄﻣﻴﻦ‬
‫‪ 0%‬ﻣﻦ اﻟﻘﺴﻂ اﻷﺳﺎﺳﻲ اﻟﺠﺰء اﻟﺤﺎدي ﻋﺸﺮ ‪ :‬ﻣﻠﺤﻖ ﺗﻌﻠﻴﻤﺎت ﻣﻜﺎﻓﺤﺔ ﻏﺴﻞ اﻷﻣﻮال‬
‫وﺗﻤﻮﻳﻞ اﻹرﻫﺎب اﺳﺘﻨﺎدا ً ﻟﺘﻌﻠﻴﻤﺎت رﻗﻢ ) ‪ (2‬ﻟﺴﻨﺔ ‪ 2016‬واﻟﺘﻌﺪﻳﻼت اﻟﻼﺣﻘﺔ ﺑﻬﺎ‬
‫)ﺗ ﻌ ﻠ ﻴ ﻤﺎ ت ﻣ ﻜﺎ ﻓ ﺤ ﺔ ﻏ ﺴ ﻴ ﻞ ا ﻷ ﻣ ﻮا ل وﺗ ﻤ ﻮﻳ ﻞ ا ﻹ ر ﻫﺎ ب ﻓ ﻲ أﻧ ﺸ ﻄ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ ( واﻟ ﺼﺎ د ر ة ﻋ ﻦ‬
‫و زا ر ة اﻟ ﺼ ﻨﺎ ﻋ ﺔ واﻟ ﺘ ﺠﺎ ر ة واﻟ ﺘ ﻤ ﻮﻳ ﻦ ‪ /‬إ دا ر ة اﻟ ﺘﺄ ﻣ ﻴ ﻦ‪ ،‬ﻓﺈﻧ ﻪ ﻳ ﺤ ﻖ ﻟ ﺸ ﺮ ﻛ ﺔ اﻟ ﻀﺎ ﻣ ﻨ ﻮ ن اﻟ ﻌ ﺮ ب‬
‫ﻟﻠﺘﺄﻣﻴﻦ اﻟﻌﻤﻞ ﺑﻜﺎﻓﺔ اﻹﺟﺮاءات ﻟﻠﺘﻌﺮف ﻋﻠﻰ ﻫﻮﻳﺔ اﻟﻤﺆﻣﻦ ﻟﻪ و‪/‬أو اﻟﻤﺴﺘﻔﻴﺪ ﻣﻨﻬﺎ‬
‫وﻧ ﺸﺎ ﻃ ﻪ واﻟ ﺘ ﺤ ﻘ ﻖ ﻣ ﻨ ﻬﺎ ‪ .‬و ﻓ ﻲ ﺣﺎ ل ﻋ ﺪ م اﻟ ﺘ ﻤ ﻜ ﻦ ﻣ ﻦ ذﻟ ﻚ ﻳ ﺤ ﻖ ﻟ ﺸ ﺮ ﻛ ﺔ اﻟ ﻀﺎ ﻣ ﻨ ﻮ ن اﻟ ﻌ ﺮ ب‬
‫ﻟ ﻠ ﺘﺄ ﻣ ﻴ ﻦ ﻓ ﺴ ﺦ وﺛ ﻴ ﻘ ﺔ اﻟ ﺘﺄ ﻣ ﻴ ﻦ وإ ﺧ ﻄﺎ ر اﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ﺑ ﺬﻟ ﻚ ﺧ ﻄ ﻴﺎ ً و ﻓ ﻘﺎ ً ﻟ ﻸ ﺣ ﻜﺎ م واﻟ ﺘ ﻌ ﻠ ﻴ ﻤﺎ ت‬
‫اﻟ ﺼﺎ د ر ة ﺑ ﻬ ﺬا اﻟ ﺨ ﺼ ﻮ ص ‪.‬‬
‫اﻟﺠﺰء اﻟﺜﺎﻧﻲ ﻋﺸﺮ ‪ :‬اﻟﺘﺤﻜﻴﻢ ﺗﻢ اﻻﺗﻔﺎق ﺑﻴﻦ ﺷﺮﻛﺔ اﻟﻀﺎﻣﻨﻮن اﻟﻌﺮب ﻟﻠﺘﺄﻣﻴﻦ ﻋﻠﻰ أن أي ﺧﻼف ﻳﻨﺸﺄ ﺑﻴﻦ اﻟﻔﺮﻳﻘﻴﻦ ﻋﻠﻰ ﺗﻄﺒﻴﻖ و‪/‬أو ﺗﻔﻴﺴﺮ أﺣﻜﺎم وﺛﻴﻘﺔ ﺗﺄﻣﻴﻦ اﻟﺴﻔﺮ رﻗﻢ وﺛﻴﻘﺔ )‪ (..................‬اﻟﻤﺒﺮﻣﺔ‬
‫ﺑ ﻴ ﻨ ﻨ ﺎ ﻳ ﺤ ﺎ ل ا ﻟ ﻰ ا ﻟ ﺘ ﺤ ﻜ ﻴ ﻢ ﻋ ﻦ ﻃ ﺮﻳ ﻖ ا ﺧ ﺘ ﻴ ﺎ ر ﻣ ﺤ ﻜ ﻢ ﻓ ﺮ د ﻳ ﺘ ﻢ ا ﻻﺗ ﻔ ﺎ ق ﺑ ﻴ ﻨ ﻬ ﻤ ﺎ ﻋ ﻠ ﻰ ﺗ ﺴ ﻤ ﻴ ﺔ و ﻓ ﻲ ﺣ ﺎ ل إ ﺧ ﺘ ﻼ ف ﻋ ﻠ ﻰ ﺗ ﺴ ﻤ ﻴ ﺔ ا ﻟ ﻤ ﺤ ﻜ ﻢ ﻳ ﻘ ﻮ م ﻛ ﻞ وا ﺣ ﺪ ﻣ ﻨ ﻬ ﻤ ﺎ ﺑ ﺘ ﺴ ﻤ ﻴ ﺔ ﻣ ﺤ ﻜ ﻢ ﻣ ﻦ ﻃ ﺮ ﻓ ﻪ وﻳ ﻘ ﻮ م ا ﻟ ﻤ ﺤ ﻜ ﻤ ﻴ ﻦ‬
‫ا ﻟ ﻤ ﺨ ﺘ ﺎ رﻳ ﻦ ﺑ ﺘ ﺴ ﻤ ﻴ ﺔ ﻣ ﺤ ﻜ ﻢ ﺛ ﺎ ﻟ ﺚ ﻣ ﻊ‬
‫ﺿ ﺮ و ر ة ﻣ ﺮا ﻋ ﺎ ه ﻛ ﺎ ﻓ ﺔ ا ﻻ ﺣ ﻜ ﺎ م ا ﻟ ﻘ ﺎﻧ ﻮﻧ ﻴ ﺔ ا ﻟ ﻤ ﻨ ﺼ ﻮ ص ﻋ ﻠ ﻴ ﻬ ﺎ ﻓ ﻲ ﻗ ﺎﻧ ﻮ ن ا ﻟ ﺘ ﺤ ﻜ ﻴ ﻢ ا ﻻ ر دﻧ ﻲ ا ﻟ ﻨ ﺎ ﻓ ﺬ ‪.‬‬
‫ا ﺳ ﻢ وﺗ ﻮ ﻗ ﻴ ﻊ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ا ﺳ ﻢ و ﺧ ﺎﺗ ﻢ ا ﻟ ﺸ ﺮ ﻛ ﺔ‬
‫ﻋ ﻦ ﺷ ﺮ ﻛ ﺔ ا ﻟ ﻀ ﺎ ﻣﻨ ﻮ ن ا ﻟ ﻌ ﺮ ب ﻟ ﻠﺘ ﺄ ﻣﻴ ﻦ‬
‫إ ﻗ ﺮا ر‪ :‬اﻧ ﺎ ‪/‬ﻧ ﺤ ﻦ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ‪ /‬ﻟ ﻬ ﻢ ﻣ ﻦ ا ﻟ ﻮﺛ ﻴ ﻘ ﺔ أ ﻗ ﺮ أ ن ﺟ ﻤ ﻴ ﻊ ا ﻟ ﺒ ﻴ ﺎﻧ ﺎ ت ا ﻟ ﻮا ر د ة ﺻ ﺤ ﻴ ﺤ ﺔ وﺑ ﻌ ﺪ ﻣ ﺮا ﺟ ﻌ ﺔ ا ﻟ ﺸ ﺮ و ط أ وا ﻓ ﻖ ﻋ ﻠ ﻲ ﻣ ﺤ ﺘ ﻮﻳ ﺎﺗ ﻬ ﺎ ‪.‬أ و ﻛ ﺪ وأ ﻗ ﺮ ﺑ ﺎ ن ﺟ ﻤ ﻴ ﻊ ا ﻟ ﺤ ﺎ ﻻ ت ا ﻟ ﻄ ﺒ ﻴ ﺔ ا ﻟ ﺴ ﺎﺑ ﻘ ﺔ ﻟ ﻴ ﺴ ﺖ ﻣ ﻐ ﻄ ﺎ ه ﺑ ﺈ ﻃ ﺎ ر ﻫ ﺬ ه‬
‫ا ﻟ ﻮﺛ ﻴ ﻘ ﺔ و ﻫ ﺬ ه ا ﻟ ﻮﺛ ﻴ ﻘ ﺔ ﻟ ﻴ ﺴ ﺖ ﺑ ﺄ ي ﺣ ﺎ ﻟ ﺔ و ﺳ ﻴ ﻠ ﺔ ﻟ ﻠ ﻌ ﻼ ج ﺧ ﺎ ر ج ﻣ ﺮ ﻛ ﺰ ﺳ ﻜ ﻨ ﻲ ‪ .‬و أ وا ﻓ ﻖ ﻋ ﻠ ﻰ أ ن ﻫ ﺬ ه ا ﻟ ﻮﺛ ﻴ ﻘ ﺔ ﻟ ﻴ ﺴ ﺖ ﻗ ﺎﺑ ﻠ ﺔ ﻟ ﻺ ﻟ ﻐ ﺎ ء أ و ا ﻟ ﺘ ﻌ ﺪﻳ ﻞ ﺑ ﻌ ﺪ ﺗ ﺎ رﻳ ﺦ ا ﻻﺑ ﺘ ﺪا ء ‪.‬‬
‫* ﻓ ﻲ ﺣ ﺎ ل و ﺟ ﻮ د أ ي ﺗ ﻌ ﺎ ر ض ﺑ ﻴ ﻦ ا ﻟ ﻨ ﺺ ﺑ ﺎ ﻟ ﻌ ﺮﺑ ﻲ وا ﻟ ﻨ ﺺ ﺑ ﺎ ﻹﻧ ﺠ ﻠ ﻴ ﺰ ي ﺗ ﻌ ﺘ ﻤ ﺪ ا ﻟ ﻨ ﺴ ﺨ ﺔ ﺑ ﺎ ﻟ ﻠ ﻐ ﺔ ا ﻟ ﻌ ﺮﺑ ﻴ ﺔ ﻟ ﺠ ﻤ ﻴ ﻊ ا ﻟ ﻐ ﺎﻳ ﺎ ت ‪.‬‬
‫ﺗ ﻮ ﻗ ﻴ ﻊ ا ﻟ ﻤ ﺆ ﻣ ﻦ ﻟ ﻪ ‪ ......................:‬ﺗ ﻮ ﻗ ﻴ ﻊ ا ﻟ ﺸ ﺮ ﻛ ﺔ ‪............................:‬‬