| If
                                                                  you are
                                                                  injured, ill,
                                                                  or in serious
                                                                  difficulty we
                                                                  will come to
                                                                  your aid 
                                                                  24 hours a day,
                                                                  7 days a week.
                                                                  Simply call us
                                                                  or send a fax : | 
                                                               
                                                              
                                                                
                                                                  
                                                                    
                                                                      
                                                                        
                                                                          
                                                                      | 
                                                                        Benefits
                                                                             | 
                                                                      
                                                                        Level
                                                                        of cover
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                         Accident
                                                                        or
                                                                        illness
                                                                              | 
                                                                           
                                                                          
                                                                      | 
                                                                         
                                                                              Repatriation
                                                                              to
                                                                              country
                                                                              of
                                                                              origin
                                                                              or
                                                                              transportation
                                                                              to
                                                                              the
                                                                              most
                                                                              appropriate
                                                                              hospital
                                                                              | 
                                                                      
                                                                        100%
                                                                        of
                                                                        expenses
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                         Sea
                                                                        or
                                                                        mountain
                                                                        rescue
                                                                        services
                                                                              | 
                                                                      
                                                                        up
                                                                        to 5,000 
                                                                        Euros
                                                                        per person up
                                                                        to 15,000
                                                                        Euros per
                                                                        incident
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                         Transportation
                                                                        to
                                                                        country
                                                                        of
                                                                        expatriation
                                                                        when
                                                                        your
                                                                        condition
                                                                        has
                                                                        stabilised
                                                                              | 
                                                                      
                                                                        one
                                                                        way
                                                                        economy
                                                                        class
                                                                        air fare
                                                                        or first
                                                                        class
                                                                        train
                                                                        fare
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                         Advance
                                                                        payment
                                                                        of
                                                                        hospital
                                                                        expenses
                                                                        in
                                                                        country
                                                                        of
                                                                        expatriation*
                                                                              | 
                                                                      
                                                                        up
                                                                        to 15,000
                                                                        Euros (advance)
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                         Supply
                                                                        and
                                                                        delivery
                                                                        of
                                                                        medication
                                                                        unavailable
                                                                        locally
                                                                              | 
                                                                      
                                                                        100%
                                                                        of
                                                                        expenses
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                         Death
                                                                              | 
                                                                           
                                                                          
                                                                      | 
                                                                         
                                                                              Returning
                                                                              your
                                                                              body
                                                                              or
                                                                              your
                                                                              ashes
                                                                              to
                                                                              your
                                                                              home
                                                                              | 
                                                                      
                                                                        100%
                                                                        of
                                                                        expenses
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                        Cost
                                                                        of a
                                                                        coffin
                                                                        for air
                                                                        transportation
                                                                             | 
                                                                      
                                                                        up
                                                                        to 1,500
                                                                        Euros
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                        Cost
                                                                        of a
                                                                        close
                                                                        relative
                                                                        or
                                                                        friend
                                                                        attending
                                                                        your
                                                                        burial
                                                                        abroad
                                                                        if you
                                                                        were
                                                                        expatriated
                                                                        alone
                                                                             | 
                                                                      
                                                                        up
                                                                        to 15,000
                                                                        Eur /
                                                                        incident return
                                                                        ticket
                                                                        and
                                                                              50
                                                                        Eur per
                                                                        night
                                                                        for 4
                                                                        nights
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                        
                                                                              Repatriation
                                                                              of
                                                                              other
                                                                              beneficiaries
                                                                              :
                                                                              members
                                                                              of
                                                                              your
                                                                              family,
                                                                              spouse
                                                                              and
                                                                              children
                                                                              living
                                                                              with
                                                                              you
                                                                             | 
                                                                      
                                                                        one
                                                                        way
                                                                        economy
                                                                        class
                                                                        air fare
                                                                        or first
                                                                        class
                                                                        train
                                                                        fare
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                         Loss
                                                                        or theft
                                                                        of
                                                                        identity
                                                                        papers,
                                                                        baggage
                                                                        or
                                                                        travel
                                                                        documents
                                                                              | 
                                                                           
                                                                          
                                                                      | 
                                                                         
                                                                              Advance
                                                                              of
                                                                              funds
                                                                              | 
                                                                      
                                                                        up
                                                                        to 1,500
                                                                        Euros
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                         Provision
                                                                        of new
                                                                        travel
                                                                        documents
                                                                              | 
                                                                      
                                                                        one
                                                                        way
                                                                        economy
                                                                        class
                                                                        air fare
                                                                        or first
                                                                        class
                                                                        train
                                                                        fare
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                         Unintentional
                                                                        law
                                                                        breaking
                                                                        abroad
                                                                              | 
                                                                           
                                                                          
                                                                      | 
                                                                        Lawyer's
                                                                        fees
                                                                             | 
                                                                      
                                                                        up
                                                                        to 1,500
                                                                        Eur /
                                                                        incident
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                        
                                                                              Advance
                                                                              payment
                                                                              of
                                                                              bail
                                                                              abroad
                                                                             | 
                                                                      
                                                                        up
                                                                        to 15,000
                                                                        Eur /
                                                                        incident
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                        Sending
                                                                        urgent
                                                                        messages
                                                                             | 
                                                                      
                                                                        100%
                                                                        of
                                                                        expenses
                                                                             | 
                                                                           
                                                                         
                                                                       | 
                                                                     
                                                                   
                                                                 | 
                                                               
                                                             
                                                           | 
                                                         
                                                        
                                                          | 
                                                             *If
                                                            you have not a cover.  | 
                                                         
                                                        
                                                          | 
                                                             Assistance
                                                            cover is valid for
                                                            periods of one year
                                                            in the principal
                                                            destination and for
                                                            stays of 90
                                                            consecutive days
                                                            maximum in all other
                                                            countries.  | 
                                                         
                                                        
                                                          | 
                                                            The
                                                            decision to return
                                                            you to your country
                                                            of origin or to send
                                                            you to a local
                                                            hospital is taken by
                                                            us. on the advice of
                                                            the medical
                                                            practitioner. The
                                                            date of repatriation,
                                                            the location of the
                                                            hospital and the
                                                            means of transport
                                                            are decided solely
                                                            on the basis of
                                                            medical advice. | 
                                                         
                                                       
                                                     | 
                                                   
                                                 
                                                 Personal
                                                liability (option)
                                                
 
                                                  
                                                    
                                                      
                                                        
                                                          
                                                            
                                                              
                                                                | We
                                                                  will cover you
                                                                  for any money
                                                                  that you have
                                                                  to pay as a
                                                                  result of any
                                                                  damage you are
                                                                  held
                                                                  responsible
                                                                  for in a
                                                                  non-business
                                                                  capacity. The
                                                                  journey to and
                                                                  from your home
                                                                  and your place
                                                                  of work is
                                                                  also covered.
                                                                  You are
                                                                  covered il you,
                                                                  or any person
                                                                  you are
                                                                  responsible
                                                                  for, are held
                                                                  legally
                                                                  responsible
                                                                  for damage
                                                                  caused to a
                                                                  third party
                                                                  while
                                                                  travelling to
                                                                  your country
                                                                  of
                                                                  expatriation
                                                                  and during
                                                                  your stay
                                                                  abroad. Personal
                                                                  liability
                                                                  cover must be
                                                                  taken out with
                                                                  other cover
                                                                  under the
                                                                  policy. | 
                                                               
                                                              
                                                                
                                                                  
                                                                    
                                                                      
                                                                        
                                                                          
                                                                      | 
                                                                        Benefits
                                                                             | 
                                                                      
                                                                        Level
                                                                        of cover
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                        Bodily
                                                                        injury,
                                                                        physical
                                                                        damage
                                                                        and
                                                                        consequential
                                                                        damage
                                                                             | 
                                                                      
                                                                            up
                                                                            to 7,500,000
                                                                            Euros
                                                                            per
                                                                            claim
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                        including
                                                                        :
                                                                             | 
                                                                      
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                        
                                                                              -
                                                                              Inexcusable
                                                                              fault
                                                                             | 
                                                                      
                                                                            up
                                                                            to
                                                                            300,000
                                                                            Euros
                                                                            per
                                                                            victim  up
                                                                            to 1,500,000
                                                                            Euros
                                                                            per
                                                                            year 
                                                                             | 
                                                                           
                                                                          
                                                                      | 
                                                                        -
                                                                        Physical
                                                                        and
                                                                        consequential
                                                                        damage
                                                                             | 
                                                                      
                                                                            up
                                                                            to 750,000
                                                                            
                                                                            
                                                                            Euros
                                                                            per
                                                                            claim excess
                                                                            of 150
                                                                            
                                                                            
                                                                            Euros
                                                                            per
                                                                            claim
                                                                             | 
                                                                           
                                                                          
                                                                      
                                                                        -
                                                                        Accidental
                                                                        pollutione 
                                                                          (Bodily
                                                                        injury,
                                                                        physical
                                                                        and
                                                                        consequential
                                                                        damage)
                                                                             | 
                                                                      
                                                                            up
                                                                            to 750,000
                                                                            Euros
                                                                            per
                                                                            claim excess
                                                                            of 150
                                                                            Euros
                                                                            per
                                                                            claim
                                                                            
                                                                             | 
                                                                           
                                                                          
                                                                      
                                                                        
                                                                              -
                                                                              Damage
                                                                              (including
                                                                              fire,
                                                                              explosion
                                                                              and
                                                                              water
                                                                              damage) 
                                                                               
                                                                              to
                                                                              property
                                                                              rented
                                                                              or
                                                                              borrowed
                                                                              by
                                                                              theinsured
                                                                              person 
                                                                               
                                                                              for
                                                                              the
                                                                              organisation
                                                                              of
                                                                              family
                                                                              gatherings
                                                                        
                                                                             | 
                                                                      
                                                                            up
                                                                            to 150,000
                                                                            Euros
                                                                            per
                                                                            claim excess
                                                                            of 150
                                                                            Euros
                                                                            per
                                                                            claim
                                                                            
                                                                             | 
                                                                           
                                                                         
                                                                       | 
                                                                     
                                                                   
                                                                 | 
                                                               
                                                             
                                                           | 
                                                         
                                                        
                                                          | 
                                                             The
                                                            amount of the
                                                            Personal liability
                                                            premium is dependent
                                                            only on the country
                                                            or countries to be
                                                            visited. The premium
                                                            amount is the same
                                                            per policy
                                                            regardless of the
                                                            number of persons
                                                            injured.  | 
                                                         
                                                       
                                                     | 
                                                   
                                                 
                                       |