16332 Travel Plus eng:Layout 1 · Allianz SNA S.A.L. Allianz SNA Building, Hazmieh, P.O. Box: 16...

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16332 Travel Plus eng:Layout 1 6/1/15 9:40 AM

Allianz SNA sal: TRAVEL-PLUS/EXTRA/GOLD 5

Summary chart of benefitsThe following table describes the benefits, the limits and the deductibles applicable to your policy. The SELECTED PLAN is as clearly stipulated in your policy schedule.Depending on the selected plan the following benefits and limits will apply:

Benefits / Limits TRAVEL-PLUS TRAVEL-GOLDTRAVEL-EXTRA

«Section 1» CANCELLATION OR CURTAILMENT CHARGES

Trip Cancellation/Curtailment -Per person and per claim:

5 000 USD.Deductible: 50 USD

Per person and per claim:2 500 USD.

Deductible: 50 USD

«Section 2» - EMERGENCY MEDICAL AND ASSOCIATED EXPENSES

Emergency Medical Expenses with below sublimits:

Per person and per period of cover: 50,000 USD.



Treatment Repatriation of remains Dental Repatriation

Accommodation expenses of close relatives ortravelling companions (in case of hospitalizationover 48 hours)

Transportation and accommodation expenses incase you are hospitalized for more than 5 days

Inc. Above$2,500

$200 Max ($50 per tooth)Inc. Above

$25 per person per day for 5 daysmax number of persons 4

(max $125 per person)

1x return economy ticket and $50 per day foraccommodation expenses for 5 days

Inc. Above$5,000

$500 Max ($100 per tooth)Inc. Above

$50 per person per day for 5 daysmax number of persons 4(max US$ 250 per person)


Inc. Above$10,000

$1,000 Max ($200 per tooth)Inc. Above

$80 per person per day for 5 daysmax number of persons 4(max US$ 400 per person)




Expenses in case of minor child left alone

Funeral expenses

1x economy ticket home or 1x return ticket for close relative

$3,000


$5,000


$7,000

Deductible 30 USD per person and per event, applicable for all benefits under section 2.

«Section 3» - LOSS OF TRAVEL DOCUMENTSLoss of travel documents 300 USD.

Deductible: 30 USD300 USD.

Deductible: 30 USD500 USD.

Deductible: 30 USD

«Section 4» - DELAYED PERSONAL POSSESSIONSDelayed Personal Possessions - $500 ($ 50 per 4 hours)

Deductible: 4 hours$ 1,000 ($ 50 per 4 hours)

Deductible: 4 hours«Section 5» - PERSONAL POSSESSIONS

Personal Possessions with below sub limits:Valuables (including Laptop) Single item, pair or set limitAlcohol, fragrances and tobacco

$1,000$200$50$50

$2,500$500$125$50

$5,000$1,000$250$50

«Section 6» - PERSONAL ACCIDENT

Death (including common carrier)

Loss of sight or limb

Permanent total disablement

$10,000

$5,000

$10,000

$20,000

$10,000

$20,000

$30,000

$15,000

$30,000

Deductible 30 USD per person and per event, applicable for all benefits under section 5.



Delayed Departure - $500 ($ 50 per 6 hours)Deductible: 6 hours

$ 1,000 ($ 50 per 6 hours)Deductible: 6 hours

«Section 7» DELAYED DEPARTURE

«Section 8» MISSED DEPARTURE

Missed Departure - $250Deductible: $30

$500Deductible: $30

«Section 9» PERSONAL LIABILITYPersonal Liability - $250,000 $500,000

«Section 10» MUGGING

Mugging - - $100«Section 11» CREDIT CARD FRAUD

Credit Card Fraud - - $1 000Deductible: $30

«Section 12» FLIGHT OVERBOOKINGFlight Overbooking - $100 $250

«Section 13» WINTER SPORTS COVER (Optional)

Ski PackDelayed Ski EquipmentSki Equipment

Piste ClosureAvalanche Closure

$500$300 $300

Deductible:$50 $300$150



Important information

Thank you for taking out travel insurance with Allianz SNA S.A.L..

Your certificate of insurance shows the sections of the policy cover available, the peoplewho are covered and any special terms or conditions that may apply.

Your policy does not cover everything. You should read this policy carefully to make sure itprovides the cover you need. In case you have any question, please call us on telephone+961 5 956 600 or write to

Allianz SNA S.A.L.Allianz SNA Building, Hazmieh, P.O. Box: 16 6528 Beirut - Lebanonor email: [email protected].

The insurerYour travel insurance is underwritten by

Allianz SNA S.A.L.Allianz SNA Building, Hazmieh,P.O. Box: 16 6528 Beirut - Lebanon

How your policy worksYour policy and certificate of insurance is an agreement between you, Allianz SNA andus. We will pay for any claim you make which is covered by this policy and happens duringthe period of insurance.

Unless specifically mentioned, the benefits and exclusions within each section apply to eachperson insured. Your policy does not cover all possible events and expenses.

Certain words have a special meaning as shown under the heading ‘Definition of words’.These words have been highlighted by the use of bold print throughout the policy document.

Telling us about relevant factsAt the time of taking out this insurance you must tell us about anything that may affect yourcover, for example:

• the health of a close relative who is not travelling with you, but whose health mayaffect your journey or a travelling companion (see under the heading ‘Healthdeclaration and health exclusions’ of this policy); or • your redundancy.

If you are not sure whether something is relevant, you must tell us anyway. You should keepa record of any extra information you give us. If you do not tell us about something that maybe relevant, your cover may be refused and we may not cover any related claims.

Cancellation rightsOnce the premium has been paid, your policy cannot be cancelled, since the cancellationcover under Section 1 (for Travel Gold and Travel Extra) begins immediately after purchase.However, the cancellation is subject to sole discretion of the insurance company.

Premium refunds are only considered for single trip cover; When you are unable to obtain thenecessary visas., Please notify the issuing agent within 48 hours of receiving your certificateof insurance or start date of the policy whichever is the earlier and return all your documentsalong with a written rejection letter from the concerned embassy.



Third party rightsThis policy is intended solely for the benefit of you and us. Unless otherwise specificallyprovided, nothing in this policy shall be constructed to create any duty to, or standard of carewith reference to, or any liability to, any person or entity not a party to this policy.

Definition of wordsWhen the following words and phrases appear in the policy document or certificate ofinsurance they have the meanings given below. These words are highlighted by the use ofbold print.

- AccidentAn unexpected event caused by something external and visible, which results in physicalbodily injury.

- Accommodation ExpensesAdditional hotel expenses following a covered event, except for all expenses related to foodand beverages.

- Area of cover• Worldwide including - United States of America, Canada and the Caribbean• Worldwide excluding - United States of America, Canada and the Caribbean• Europe: Albania, Andorra, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria,Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary,Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta,Moldova, Monaco, the Netherlands, Norway, Poland, Portugal, Romania, Russia (European

You should call us on telephone +961 595 66 00 or write to Allianz SNA, Allianz SNA Building,Hazmieh, P.O. Box: 16 6528 Beirut - Lebanon or email: [email protected].

No premium refund will be given if

- You or any other person insured have travelled during this 48 hour period;

- You have made a claim or intend to make a claim;

- You have annual multi-trip cover. However, the cancellation is subject to solediscretion of the insurance company

Data protection Information about your policy may be shared between us, Allianz SNA the reinsurers ormembers of Allianz Global Assistance for underwriting purposes.

You should take note that the sensitive health and other information you provide will be usedby Allianz SNA, us, our representatives (if appropriate), our reinsurers, other insurers andindustry governing bodies and regulators to process your policy, handle claims and preventfraud. This may involve transferring information to other countries (some of which may havelimited or no data protection laws). We have taken steps to ensure your information is heldsecurely.

Your information will not be shared with third parties for marketing purposes. You have theright to access your personal records.

Governing law This policy will be in English. The policy will be governed by the law of the country of issuanceas stated in the certificate of insurance.



part), San Marino, Serbia and Montenegro, Slovakia, Slovenia, Spain, Sweden, Switzerland,Ukraine, United Kingdom and Vatican City and Middle East: Saudi Arabia, Bahrain, Cyprus,Egypt, United Arab Emirates, Iraq, Jordan, Kuwait, Oman, Qatar, Syria, Turkey, Yemen.

- BeneficiaryBeneficiary will be the legal heirs of the person insured.

- Business associateAny person in your home country that you work closely with, whose absence from workmeans that the director of your business needs you to cancel or curtail your journey.

- Certificate of insuranceThe document issued by the insurer that is used to verify the existence of your TravelInsurance.

- Close relative or family memberYour mother (in-law), father (in-law), step parent (in-law), sister (in-law), brother (in-law),wife, husband, fiancé, partner, son (in-law), daughter (in-law), step child, foster child,grandparent or grandchild, uncle, aunt, step brother, step sister.

- Departure pointThe airport where your journey from your home country to your destination begins andwhere the final part of your journey back to your home country begins.

- DoctorA legally qualified doctor holding the necessary certification in the country in which they arecurrently practicing, other than you or a close relative.

- EmergencyMedical condition resulting from sickness or accident and requiring emergency hospitaladmission, and for which delay in treatment beyond the next official working day couldreasonably be expected to result in significant and permanent impairment to the life, health,bodily functions and or organ of the person insured.

- ExcessThe deduction we will make from the amount payable under this policy for each insuredperson, for each section, for each claim incident.

- Funeral expensesUp to the amount shown in your summary of cover for reasonable cost, we will pay eitherthe expenses of transporting your body or ashes to your home or the expenses for yourfuneral expenses, in the place where you die outside your home country.

- Hazardous activityThe following activities are automatically covered:

• Abseiling, archery, athletics, ballooning - hot air (organised pleasure rides only), bananaboating, bungee jumping, canoeing (up to grade 2 rivers only not white water), climbingwall, cricket, deep sea fishing, football or soccer (children’s club in resort only), glacierwalking, golf, high rope activities, hiking (trekking and walking), hockey (under 16’s usingplastic sticks), horse riding (not competitions, racing, jumping, hunting, eventing, polo orrodeo), hot air ballooning (organised pleasure rides only), ice skating or blade skating (notspeed skating), kayaking (up to grade 2 rivers only, not white water), mountain biking,parascending or parasailing (over water), pony trekking, rap jumping, ringos, rollerskating or roller blading (wearing pads and helmets), rowing, sail boarding orwindsurfing, safari trekking in a vehicle (organised tour), safari trekking on foot



(organised tour), scuba diving to 30m, sledging (pulled by dogs or horses or reindeer asa passenger), snorkelling, surfing, tug of war, volley ball, wake-boarding, water polo,water-skiing, white water rafting (up to grade 3 river), zip-trekking (including over snow),zorbing.There is no cover for:• taking part in any sporting activity where the organisers guidelines have not been

followed; or• any professional sporting activity; or• any kind of racing except racing on foot; or• any kind of manual work.

We may be able to cover you for other activities that are not listed. Please contact AllianzSNA on telephone +961 595 66 00 or email [email protected]. You may need to pay anextra premium.

- HomeYour usual place of residence in Lebanon where you live.

- InsurerAllianz SNA, Allianz SNA Building, Hazmieh, P.O. Box: 16 6528 Beirut - Lebanon

- JourneyA trip that takes place during the period of insurance which begins when you leave homeor place of work (whichever is later) and ends when you get back home, to a hospital ornursing home or place of work in your home country, whichever is earlier.

• For single trip cover- You will only be covered if you are aged 75 or under at the date your policy was issued.- Trips within your home country are not covered.- Any other trip which begins after you get back is not covered.

• For annual multi-trip cover- You will only be covered if you are aged 75 or under at the start date of your policy. - Cover is for short trips of 90 days or less per trip only. There is absolutely no cover offeredby this policy for trips which are longer than the 90 days per trip, unless we agreeotherwise in writing. - Trips within your home country are not covered.

- Medically NecessaryA service or treatment which is appropriate and consistent with diagnosis and which, inaccordance with generally accepted medical standards, could not have been omitted withoutadversely affecting the person insured’s condition or the quality of medical care rendered.

- Pair or setA number of items of personal possessions (not including Ski Equipment) that belongtogether or can be used together.

- Period of insuranceFor single trip cover

• Cancellation cover begins from the issue date shown on your certificate of insuranceand ends at the beginning of your journey. The cover for all other sections starts at the



beginning of your journey and finishes at the end of your journey or at the expiry ofyour policy, whichever is earlier.

For annual multi-trip cover• Cancellation cover begins on the start date shown on your certificate of insurance orthe date you booked your journey, whichever is later and ends at the beginning of yourjourney. The cover for all other sections starts at the beginning of your journey andfinishes at the end of your journey or at the expiry of your policy, whichever is earlier.

For single trip and annual multi-trip cover• The cover for all sections ends on the expiry date shown on your certificate of insurance,unless you cannot finish your journey as planned because of death, injury or illness or thereis a delay to the public transport system that cannot be avoided. In these circumstances, wewill extend cover free of charge until you can reasonably finish your journey.

- Personal possessionsEach of your suitcases, trunks and similar containers (including their contents) and articlesworn or carried by hand (including your valuables).

- Pre- Existing medical conditionA pre-existing condition means:

• An ongoing medical or dental treatment or dental condition of which you are aware orrelated complication you have, or the symptoms of which you are aware• A medical or dental condition that is currently being, or has been investigated, or

treated by a health professional (including dentist and chiropractor) prior to policyissuance.

• Any condition for which you take prescribed medicine or see a medical specialist.• Any condition for which you have had surgery.

- ResidentA person who is a Citizen or who has Resident Status in Lebanon and are travelling from andreturning to Lebanon.

- Ski equipmentThis consists of skis, poles, boots, bindings, snowboards or ice skates.

- Ski packHired ski equipment, ski school fees and lift passes.

- Travelling companionAny person that has booked to travel with you on your journey.

- Terrorism / Act of TerrorismTerrorism is a loss, damage, cost or expense of whatsoever nature directly or indirectly causedby, resulting from or in connection with any act of terrorism regardless of any other cause orevent contributing concurrently or in any other sequence to the loss. An act of terrorismmeans an act, including but not limited to the use of force or violence and/or the threat thereof,of any person or group(s) of persons, whether acting alone or on behalf or in connection withany organization(s) or government(s), committed for political, religious, ideological or similarpurposes including the intention to influence any government and/or to put the public, or anysection of the public in fear.



- ValuablesJewellery, watches, items made of or containing precious metals or semi/precious stones,furs, binoculars, telescopes, computer games, any kind of photographic, audio, video,computer, laptop, television, fax and phone equipment, MP3 players, PDAs, electronic games,TVs and CDs, mini discs, DVDs, cartridges, video and audio tapes.

- We, our, usNEXtCARE, and Allianz Global Assistance which administers the insurance on behalf of theinsurer.

- You, your, insured personEach person shown on the certificate of insurance, for whom the appropriate premium hasbeen paid.

24-hour emergency medical assistancePlease tell us immediately about any serious illness or accident abroad where you have to gointo hospital or you may have to return home early or extend your stay because of any illnessor injury. If you are unable to do this because the condition is life, limb, sight or organthreatening, you should contact us as soon as you can. You must also tell us if your medicalexpenses are over US$250. If you are claiming for a minor illness or accident you should,where possible, pay the costs and reclaim the money from us when you return. You can call24 hours a day 365 days a year or email.

Phone UAE +971 4270 8714Email [email protected].

Please give us your name, age and your policy number. Say that you are insured with AllianzSNA. Below are some of the ways the 24-hour emergency medical assistance service can help.

Confirmation of paymentWe will contact hospitals or doctors abroad and guarantee to pay their fees, providing youhave a valid claim.

RepatriationIf our medical advisers think it would be in your medical interests to bring you back to yourhome or to a hospital or nursing home in your home country, you will normally be transferredby regular airline or road ambulance. Where medically necessary in very serious or urgentcases, we will use an air ambulance. We will consult the treating doctor and our medicaladvisers first. If you need to go home early, the treating doctor must provide a certificateconfirming that you are fit to travel. Without this the airline can refuse to carry any sick orinjured person. You can contact us at any time day or night. You will be answered by one of our experiencedassistance co-ordinators who you should give all relevant information to. Please make sure youhave details of your policy before you phone.

Health declaration and health exclusionsExclusions relating to your health

1. This policy does not cover claims related to pre-existing medical conditions. You will notbe covered for any directly or indirectly related claims (see note below) arising from the following



if at the time of taking out this policy or booking your journey (whichever is later), you:

a are being prescribed regular medication;

b have received treatment for or had a consultation with a doctor or hospital specialistfor any medical condition in the past 6 months;

c are being referred to, treated by or under the care of a doctor or a hospital specialist;

d are awaiting treatment or the results of any tests or investigations;

If we are unable to cover a medical condition, this will mean that any other person insured byus will not be able to make a claim arising from the medical condition(s). This may even applyif the person with the medical condition(s) purchases cover from another provider.

2. You will not be covered if you travel against the advice of a doctor or where you wouldhave been if you had sought their advice before beginning your journey.

3. You will not be covered if you know you will need medical treatment or consultation atany medical facility during your journey.

4. You will not be covered for any directly or indirectly related claim if, before your journey,a doctor diagnosed that you have a terminal condition.

5. You will not be covered if you were waiting for medical treatment or consultation at anymedical facility or were under investigation for a medical condition when your policywas issued.

6. You will not be covered if you are traveling specifically for the purpose of obtaining and

/ or receiving any elective surgery, procedure or hospital treatment.

7. You will not be covered for any directly or indirectly related claims arising from acongenital condition.

8. You will not be covered for any claim related to pregnancy, childbirth, abortion and alltheir consequences or complications, not limited to: voluntary interruption ofpregnancy, delivery, and miscarriage.

9. You will not be covered for any claims related to artificial insemination or any sterilitytreatment and contraception expenses.

10. You will not be covered for any claim related to sexually transmitted diseases.

11. You will not be covered for thermal cure expenses, heliotherapy, physiotherapy, andaesthetic treatment.

12. You will not be covered for prosthesis expenses, equipment, implant as well as opticalexpenses, not used for intraoperative conditions.

13. You are not covered for any vaccination expenses.

14. You will not be covered for any scientifically and medically non-recognized care ortreatments.

15. You will not be covered for any treatment or care administered by a family member.



16. You are not covered for epilepsy or convulsions, from which you suffer, as well as anymedical event which diagnosis, symptoms or causes are of psychic, psychological orpsychiatric nature.

17. You are not covered for cost related to tests and treatment of Obesity, weightreduction and nutrition related illnesses.

Exclusions relating to the health of someone not insured under this policy, butwhose health may affect your decision whether to take or continue with yourjourney

You will not be covered for any directly or indirectly related claims (see note below) arisingfrom the health of a travelling companion, someone you were going to stay with, a closerelative or a business associate if at the time your policy was issued:

• you were aware they have been receiving medical treatment or consultation at anymedical facility for a medical condition in the last 12 months;

• you were aware they have been awaiting medical treatment or consultation at anymedical facility or have been under investigation for a medical condition;

• you were aware that a doctor had diagnosed them as having a terminal condition, orthat their medical condition was likely to get worse in the next 12 months.

NoteIndirectly related claimsAn indirectly related claim means a medical problem that is more likely to happenbecause of another medical problem you already have. Sometimes these conditions canlead to the development of other conditions. For example if you:

• suffer from asthma, chronic obstructive pulmonary disease or other lung disease, you are more likely to get a chest infection. • have high blood pressure, high cholesterol or diabetes, you are more likely to havea heart attack or a stroke.

• have osteoporosis, you are more likely to break or fracture a bone.• have or have had cancer, you are more likely to suffer from a secondary cancer.

Level of medical cover providedThis is not a private medical insurance policy and only gives cover for emergency medicaltreatment in the event of accident or unexpected illness occurring during your journey.

General exclusionsThe following exclusions apply to the whole of your policy:

We will not cover you for any claim arising from, or consisting of, the following:

1. A relevant fact that you knew about before you travelled, unless we agreed to it inwriting.

2. War, invasion, act of foreign enemy, hostilities (whether war is declared or not) civil war,



civil commotion, rebellion, revolution, insurrection, military force, coup d’etat, terrorism,weapons of mass destruction.

3. Any epidemic or pandemic. 4. You not following any suggestions or recommendations made by any government or

other official authority including the Foreign commonwealth Office (FCO) during theperiod of insurance.

5. Your property being held, taken, destroyed or damaged under the order of anygovernment or customs officials.

6. Ionizing, radiation or radioactive contamination from nuclear fuel or nuclear waste or anyrisk from nuclear equipment.

7. Any currency exchange rate changes.8. You acting in an illegal or malicious way.9. The effect of your alcohol, solvent or drug dependency or long term abuse.10. You being under the influence of alcohol, solvents or drugs, or doing anything as a

result of using these substances (except drugs prescribed by a doctor but not for thetreatment of drug addiction).

11. You not enjoying your journey or not wanting to travel.12. Any loss caused as a direct or indirect result of anything you are claiming for, for

example loss of earnings, unless it says differently in the policy.13. You taking part in a sports or leisure activity that is not listed or confirmed in writing as

covered (see page 16).14. You taking part in a winter sport unless you have paid the extra premium to include this

cover and the activity is listed or confirmed in writing as covered (see page 16)

15. Claims relating to pregnancy or childbirth, where the pregnancy is more than 24 weeksat the beginning of your journey or any consequences or complications, not limited to:voluntary interruption of pregnancy, delivery and miscarriage.

ConditionsThe following conditions apply to the whole of your policy. Please read these carefully as wecan only pay your claim if you meet these:

1. You are a resident of Lebanon. 2. You have paid the appropriate premium for the area of cover you are intending to

travel.3. You take reasonable care to protect yourself and your property against accident, injury,

loss and damage and act as if you are not covered by this policy and to minimize anypotential claim.

4. You have a valid certificate of insurance. 5. You accept that we will not extend the period of insurance if the original policy plus any

extensions have either ended, or you know you will be making a claim.6. You contact us as soon as possible, but within 30 days of your return home, with full details

of anything that may result in a claim and give us all the information we ask for. Your claimwill be considered declined if you do not notify us of your intention to claim within 30 daysof your return home. Please see section ‘Making a claim’ for more information.

7. You accept that no alterations to the terms and conditions of the policy apply, unless weconfirm them in writing to you.

8. You are not aged 75 or over at the date your policy was issued.



We have the right to do the following 1. Cancel the policy if you do not tell us about a relevant fact or if you tell us something that

is not true, which influences our decision as to whether cover can be offered or not.Depending on the circumstances we may report the matter to the legal authorities.

2. Cancel the policy and make no payment if you, or anyone acting for you, make a claimunder this policy knowing it to be dishonest, intentionally exaggerated or fraudulent inany way, or if you give any false declaration, deliberate mis-statement or fail to provideany relevant facts when applying for this insurance or supporting your claim. We may inthese instances report the matter to the legal authorities.

3. Only cover you for a journey where an appropriate certificate of insurance has beenpurchased and we shall not issue a policy if you have already started your journey.

4. Take over and deal with, in your name, any claim you make under this policy. 5. Take legal action in your name (but at our expense) and ask you to give us details and

fill in any, which will help us to recover any payment we have made under this policy. 6. With your permission, get information from your medical records to help us or our

representatives deal with any claims. This could include a request for you to bemedical examined for a post mortem to be carried out in the event of your death. Wewill not give personal information about you to any other organization without yourspecific agreement.

7. Send you home at any time during your journey if you are taken ill or injured. We willonly do this if the doctor treating you and our medical advisers agree. If there is adispute, we will ask for an independent medical opinion.

8. Not accept liability for costs incurred for repatriation or treatment if you refuse to followadvice from the treating doctor and our medical advisers.

9. Not refund or transfer your premium if you decide to cancel the policy.

10. Not to pay any claim on this policy (except under the Personal accident section) for anyamounts covered by another insurance or by anyone or anywhere else, for example anyamounts you can get back from private health insurance, any reciprocal healthagreements, transport or accommodation provider, home contents insurer or any otherclaim amount recovered by you. In these circumstances we will only pay our share ofthe claim.

11. If you cancel or cut short your journey all cover provided on your policy will becancelled without refunding your premium.

12. Ask you to pay us back any amounts that we have paid to you which are not coveredby this policy.

Sports and leisure activitiesStandard sports and leisure activities

• The following activities are covered at no extra premium.Abseiling, archery, athletics, banana boating, bungee jumping, canoeing (up to grade 2rivers only not white water), climbing wall, cricket, deep sea fishing, football or soccer(children’s club in resort only), glacier walking, golf, high rope activities, hiking (trekkingand walking), hockey (under 16’s using plastic sticks), horse riding (not competitions,racing, jumping, hunting, eventing, polo or rodeo), hot air ballooning (organisedpleasure rides only), ice skating or blade skating (not speed skating), kayaking (up tograde 2 rivers only, not white water), mountain biking, parascending or parasailing (overwater), pony trekking, rap jumping, ringos, roller skating or roller blading (wearing padsand helmets), rowing, sail boarding or windsurfing, safari trekking in a vehicle(organised tour), safari trekking on foot (organised tour), scuba diving to 30m, sledging(pulled by dogs or horses or reindeer as a passenger), snorkelling, surfing, tug of war,



volley ball, wake-boarding, water polo, water-skiing, white water rafting (up to grade 3river), zip-trekking (including over snow), zorbing.

• The following activities are also covered however, cover under ‘Section 9 -Personal liability’ does not apply.

Camel riding, catamaran sailing (if qualified), clay pigeon shooting, dinghy sailing,elephant riding, go karting, jet boating, jet skiing, paint balling (wearing eye protection),quad biking, rifle range shooting, sailing (if qualified and in territorial waters only),shooting, ski dooing, small bore target shooting, snow mobiling, yachting (if qualified interritorial waters only).

‘Category A’ sports and leisure activities

• The following activities are only covered when the extra premium has been paid forCategory A activities.

Dry slope skiing, football or soccer (other than children’s club in resort), hockey, kitesurfing, sand dune surfing or skiing, street hockey (wearing pads and helmets).

• The following activities are also covered when the extra premium has been paid forCategory A activities however, cover under ‘Section 9 - Personal liability’ does notapply.

Fencing.

‘Category X’ sports and leisure activities

• Your policy does not provide any cover for the following activities.Base jumping, black water rafting, bouldering, boxing, canyoning, caving or pot holing,

cave tubing or cave diving, flying (except passengers in licensed passenger carryingaircraft), free mountaineering, gliding (no cover for crewing or piloting), hang gliding,high diving (over 5 metres), hunting (fox or drag), hydrospeeding, martial arts, microlighting, motor rallying or motor sport (all types on land or water), motorbikescrambling or dirt biking (and any other off road motorbiking), mountaineering (usingropes or guides), parachuting, paragliding or parapenting, paragliding, parascending orparasailing (over land), pot holing or caving, riding on a luge, river bugging, rockclimbing, rodeo, shark diving (in cage), sky diving or sky surfing, water ski jumping, whitewater canoeing, white water sledging or hydrospeeding.

There is also no cover for:- taking part in a sporting activity where the organisers guidelines have not been

followed; - any professional sporting activity; - any kind of racing, except racing on foot; or- any kind of manual work.


• If you have chosen to include winter sports cover and this is shown on your certificateof insurance, the following activities are automatically covered.

Skiing (including on dry slopes and indoor ski centers), snowboarding, big-foot skiing,cross-country skiing, glacier skiing, monoskiing, off-piste skiing or snowboarding (aslong as you are skiing within the ski area boundaries of a recognised ski resort andfollowing ski patrol guidelines), sledging, snow blading, snow tubing, and tobogganing.



• Your policy does not provide any cover for the following activities.Cat-skiing, skeleton sledding, ski acrobatics, ski-flying, ski jumping, ski racing, skistunting or snowcat skiing, or riding on a luge.

There is also no cover for:- taking part in a winter sports activity where the organisers guidelines have not been

followed; - Any professional winter sports activity; or- Any kind of racing.


Making a claimTo claim please contact:

Allianz SNA S.A.L.Allianz SNA BuildingHazmieh, PO Box: 16 – 6528Beirut – Lebanon.Tel : 05 95 66 00 Fax : 05 95 66 24Email: [email protected]

You should fill in the form and send it to us within 30 days of your return home with all the

information and documents we ask for. Failure to provide the required information within 30days of your return home will result in a claim denial. It is essential that you provide us withas much detail as possible to enable us to handle your claim quickly. Please keep photocopiesof all information you send us.

You will need to obtain some information about your claim while you are away. Below is a listof the documents we will need in order to deal with your claim.

For all claims• Your original journey booking invoice(s) and travel documents showing the dates and

times of travel.• Original receipts and accounts for all out-of-pocket expenses you have to pay.• Original bills or invoices you are asked to pay. • Details of any other insurance you may have that may cover the same loss, such as

household or private medical. • As much evidence as possible to support your claim.

Cancellation or curtailment• If you need to curtail your journey call UAE +971 4270 8714 oremail [email protected] immediately to get our prior agreement.• Original cancellation invoice(s) detailing all cancellation charges incurred.• For claims relating to illness or injury, a medical certificate should be completed by the

treating doctor. A certified copy of the death certificate is required in the event of death.• If your claim results from any other circumstances, please provide evidence of these

circumstances.



Medical expenses• Always contact our 24-hour emergency medical service when you are hospitalised,

require repatriation or where medical fees are likely to exceed US$ 250.• Medical evidence from the treating doctor to confirm the illness or injury and treatment

given including hospital admission and discharge dates, if this applies.• If you are advised by a doctor at your resort that you cannot go on your pre-booked excursions

because of medical reasons, you should obtain a medical certificate from them confirming this.

Loss of Travel Documents• Written confirmation from the Consulate where the loss happened detailing the date of

loss, notification of loss and replacement together with a written report from the police.

For loss or damage in transit claims, including delayed personal possessions• Please obtain a Property Irregularity Report (PIR) from the airline or a carrier’s report from

the rail company, shipping line or their handling agent. This should be done within 7 daysof the delay / loss / damage. You have 21 days to write to the airline confirming details ofessential replacement items purchased.

Personal possessions • Report the theft, damage or loss to the police within 24 hours of discovery and ask them

for a written police report.• If appropriate, you should also report the theft, damage or loss to your courier or hotel /

apartment manager and ask for a written report.• Original receipts, vouchers or other suitable evidence of purchase / ownership / value for

lost, stolen or damaged personal possessions.• Keep any damaged items as we may need to inspect them. If we make a payment, or we

replace an item, the item will then belong to us.• Obtain an estimate for repair for all damaged items.

Personal accident• Detailed account of the circumstances surrounding the event, including photographs and

video evidence (if this applies).• Medical evidence from the treating doctor to confirm the extent of the injury and

treatment given, including hospital admission / discharge.• Full details of any witnesses, providing written statements where available.• A certified copy of the death certificate if this applies.

Missed departure• Detailed account of the circumstances causing you to miss your departure together with

supporting evidence from the public transport provider or accident / breakdown authorityattending the private vehicle you were travelling in.

Delayed Departure• Written confirmation from the airline, rail company, shipping line or their handling agent

of the scheduled and actual departure times and why the departure was delayed.

Personal liability• A detailed account of the circumstances surrounding the claim, including photographs

and video evidence (if this applies).• Any writ, summons or other correspondence received from any third party. Please note

that you should not admit liability, offer to make any payment or correspond with anythird party without our written consent.

• Full details of any witnesses, providing written statements where available.



Mugging• Original copy of the police report, stating among others the location, date and precise

time of the assault.• Copy of bank statement showing the time and amount withdrawn.• Any other document the Insurer considers necessary for the validation of the claim and

indemnity assessment.

Loss of credit / debit card• Report the theft or loss to the police within 24 hours of discovery and ask them for a

written police report.• Written confirmation from your card issuer showing that you had cancelled the card as

soon as the loss or theft was discovered.• Original card statement showing the fraudulent transactions made.

Flight Overbooking• Written confirmation from carrier on the overbooked flight and flight misconnection

details and when the next alternative transportation is made available to the Insured • Original receipts in respect of hotel accommodation and meals• Documents stating amount of compensation from airlines or other sources

Winter sportsSki pack

• Medical evidence from the treating doctor to confirm the illness or injury and treatmentgiven including hospital admission / discharge if this applies.

• If you are advised by a doctor at your resort that you cannot take part in your pre-booked

ski activities because of medical reasons, you should obtain a medical certificate fromthem confirming this.

Ski equipment and delayed ski equipment• All appropriate evidence requested under the heading ‘Personal possessions’ in this section.• All hire receipts and luggage labels / tags.• A written report from your airline or other carrier if your ski equipment is delayed or

misdirected. Piste / avalanche closure

• Written confirmation from your tour operator, the local piste authority or ski lift operatorconfirming the reason for the closure and duration.

Making a complaintWe aim to provide you with a first class policy and service. However, there may be times whenyou feel we have not done so. If this is the case, please tell us about it so that we can do ourbest to solve the problem. If you make a complaint your legal rights will not be affected.

In the first instance, please contact:

Allianz SNA S.A.L.Allianz SNA BuildingHazmieh, PO Box: 16 – 6528Beirut – Lebanon.Tel : 05 95 66 00 Fax : 05 95 66 24Email: [email protected]



Please supply us with your name, address, policy number and claim number where applicableand enclose copies of relevant correspondence as this will help us to deal with your complaint,in the shortest possible time.

Section 1Cancellation or curtailment chargesIf you think you may have to cut your journey short (curtail), we must be told immediately -see under the heading ‘24-hour emergency medical assistance’ for more information.

WHAT YOU ARE COVERED FORWe will pay up to the amount shown in your summary of cover for your part of unusedpersonal accommodation, transport charges and other travel expenses which there is acontract to pay that cannot be recovered from anywhere else.

We will provide this cover in the following necessary and unavoidable circumstances:

CancellationIf you cancel your journey before it begins because one of the following happens:

• The death, serious injury or serious illness of you, someone you were going to stay with,a travelling companion, or a close relative or business associate of you.

• You or a travelling companion is needed by the police following a burglary, or damagecaused by serious fire, storm, flood, explosion, subsidence, vandalism, fallen trees, impactby aircraft or vehicle at your home or their home or usual place of business in your homecountry.

CurtailmentYou cut your journey short (curtail) after it has begun because of one of the following:

• Anything mentioned in cancellation.• You are injured or ill and are in hospital for the rest of your journey.

NoteWe will calculate interruption claims from the date it is necessary for you to return toyour home country or the date you are hospitalized as an in-patient, for the rest of yourjourney. We will pay unused personal accommodation and other travel expenses basedon each 24-hour period you have lost. If you need to be repatriated, we will not refundthe cost of your unused return travel tickets. We will put the value of these ticketstowards the extra transport costs we have to pay.

WHAT YOU ARE NOT COVERED FOR

Under Cancellation and Curtailment An excess of the amount shown in your summary of cover. Any condition stated under Health declaration and health exclusions. More than the lowest market value of equivalent accommodation, transport charges and othertravel expenses, if payment was made using frequent flyer points, air miles, loyalty card points,redeemable vouchers or another similar scheme. Anything caused by:

- you not having the correct passport or visa; - your carriers’ refusal to allow you to travel for whatever reason; - any restriction caused by the law of any country or people enforcing these laws;



- bankruptcy or liquidation of the company providing your transport or accommodation,their agents or any person acting for you;

- anything the company providing your transport or accommodation, their agents, anyperson acting for you or your conference organiser is responsible for;

- your vehicle being stolen or breaking down; - you not wanting to travel or not enjoying your journey; - riot, civil commotion, strike or lock-out; - you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying

aircraft); - your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to

save another person’s life) for example swimming while under the influence of alcohol orclimbing from one balcony to another;

- the death of any pet or animal; - the withdrawal from service of an aircraft, cross-channel train or sea vessel (temporarily or

permanently), on which you are booked to travel, by the carrier or on therecommendation or order of any government, civil aviation authority, port authority, railauthority or other similar authority in any country.

Under Cancellation- Any extra cancellation charges, because you did not tell the company providing your

transport or accommodation, their agents or any person acting for you, as soon as youknew you had to cancel.

- Financial circumstances or unemployment, except caused by redundancy which you find

out about after the date your policy or travel tickets for your journey were bought(whichever is the later).

Under Curtailment - Cutting short your journey unless we have agreed. - Any costs when you do not get a medical certificate (from the doctor who treated you in

the place where you were staying) which says it was necessary for you to come homebecause of death, injury or illness. Our medical advisers must have agreed with the reasonand that you were fit to travel.

- The cost of your original pre-booked tickets if you have not used them and we have paidextra transport costs.

- You travelling on a motorcycle, unless the rider holds an appropriate valid licence and allinsured persons are wearing crash helmets.

- Anything caused by you taking part in a hazardous activity unless shown on yourcertificate of insurance.

Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Section 2Emergency medical and associated expenses

If you are taken into hospital or you think you may have to come home early or extend yourjourney because of illness or accident, or if your medical expenses are over US$ 250 we



must be told immediately - see under the heading ‘24-hour emergency medical assistance’for more information.

WHAT YOU ARE COVERED FOR- We will pay you or your Personal Representatives for the following necessary and

unforeseen emergency expenses if you die, are injured, have an accident or are taken illduring your journey.

- Up to the amount shown in your summary of cover for reasonable fees or charges you incur for:

TreatmentMedical, surgical, medication costs, hospital, nursing home or nursing services outside yourhome country.

Repatriation of remainsUp to the amount shown in your summary of cover for the cost of transporting the body ofthe person insured to their home.

DentalUp to the amount shown in your summary of cover for emergency dental treatment torelieve sudden pain. The dental cover is also applicable if treatment is required due toaccident, illness or injury within the scope of this section.

RepatriationExpenses for your return home or your transportation to the nearest medical facility or themost suitable to provide the required care for your health condition. You may beaccompanied by a medical professional if deemed medically necessary by us.

Accommodation expenses of close relatives or travelling companionsWe will pay the reasonable accommodation expenses of your accompanying close relativesor travelling companions to stay with you if you are hospitalized for more than 48 hours.

Transportation and accommodation expenses in case you are hospitalized formore than 5 daysWe will pay the reasonable transportation costs (an economy return ticket) andaccommodation expenses for one close relative to travel and stay at your bedside.

Expenses in case of minor child left aloneIn case you are hospitalized for more than 48 hours and no adult close relatives areaccompanying you we shall either arrange for a one-way ticket for the minor child to returnhome via an authorized escort or for a close relative living in your home country to travel toyou and take responsibility for the minor child and return to your home country.

Funeral expensesUp to the amount shown in your summary of cover for reasonable cost of transporting yourbody or ashes to your home or we will pay up to the amount shown in your summary ofcover for your funeral expenses, in the place where you die outside your home country.

WHAT YOU ARE NOT COVERED FOR- An excess of the amount shown in your summary of cover.- The cost of replacing any medication you were using when you began your journey. - Any condition stated under Health declaration and health exclusions.



- Extra transport and accommodation costs which are of a higher standard to those alreadyused on your journey, unless we agree.

- Anything caused by: • you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-

carrying aircraft); • your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to

save another person’s life) for example swimming while under the influence of alcoholor climbing from one balcony to another;

• you travelling on a motorcycle, unless the rider holds an appropriate valid licence and allinsured persons are wearing crash helmets;

• you taking part in any hazardous activity unless shown on your certificate ofinsurance.

- Any costs incurred 12 months after the date of your death, injury or illness.- Any costs for taxi fares.- Telephone calls (including mobile calls) except calls made to us in case of emergency,

which will be reimbursed upon submission of evidence in the form of a statement or billand up to a maximum of US$ 50 in total.

- Services or treatments you receive within your home country. - Services or treatments you receive which the doctor in attendance and we think can wait

until you get back to your home country. - Medical costs over US$ 250, in-patient treatment or repatriation costs which we have not

authorised. - The extra costs of having a single or private room in a hospital or nursing home. - The cost of all treatment which is not directly related to the illness or injury that caused the

claim.

- Your burial or cremation within your home country.- Replacing or repairing false teeth or artificial teeth (such as crowns). - Dental work involving the use of precious metals.


Section 3Loss of Travel DocumentsWHAT YOU ARE COVERED FOR

- We will pay for the following travel documents if they are lost, stolen or destroyed onyour journey.

Passport• Costs for issuing a temporary passport

Up to the amount shown in your summary of cover for the cost of extra transport,accommodation and administration costs you have to pay to get a temporary passportto enable you to return to your home country.

Visas• Costs for issuing a temporary visa

Up to the amount shown in your summary of cover for the cost of extra transport,accommodation and administration costs you have to pay to get a temporary visa toenable you to return to your home country.

WHAT YOU ARE NOT COVERED FORPlease refer to Sections General exclusions, Conditions and Making a claim that also apply.



Section 4Delayed Personal PossessionsWHAT YOU ARE COVERED FOR

- Up to the amount shown in your summary of cover in total for essential replacementitems, if your personal possessions (this does not include valuables) are temporarilylost or stolen on your outward journey for more than 3 hours from when you arrived atyour destination.

NoteYou must send us the receipts for anything that you buy. If the items arepermanently lost. we will take any amount that you are due to be paid under thissection from the final claim settement under the Personal Possessions - section 5

WHAT YOU ARE NOT COVERED FOR


Section 5Personal possessions

WHAT YOU ARE COVERED FORUp to the amount shown in your summary of cover if your personal possessions aredamaged, stolen, lost or destroyed on your journey.

We will pay for your single, paired or set of valuables whether jointly owned or not, asdefined in the definition and specified in the summary of the cover,

We will pay for Tobacco, alcohol and fragrances up to the policy limit as specified in thesummary of cover.

It will be our decision to pay either: • the cost of repairing your items; • to replace your belongings with equivalent items; or • the cost of replacing your items. An amount for wear, tear and loss of value will

be deducted.

WHAT YOU ARE NOT COVERED FOR- An excess of the amount shown in your summary of cover. - More than the part of the pair or set that is stolen, lost or destroyed. - More than US$ 50 for tobacco, alcohol, fragrances and perfumes.- Breakage of or damage to sports equipment while it is being used, fragile articles, audio,

video, computer, laptop, television, fax and phone equipment. - Loss or damage due to the climate, wear and tear, loss in value, process of cleaning, moths or

vermin. - The cost of replacing or repairing false teeth. - Any claim for mobile phones.- Loss or theft of, or damage to, the following:

• Items for which you are unable to provide a receipt or other proof of purchase.• Goods which deteriorate, bottles or cartons, and any damage caused by these

items or their contents.



• Valuables left in a motor vehicle. • Valuables carried in suitcases, trunks or similar containers unless they are onyour person or carried by you.• Valuables unless they are on your person or locked in a safe or safety deposit

box (if one is available) or locked in the accommodation you are using on yourjourney.

• Contact or corneal lenses, unless following fire or theft. • Bonds, share certificates, guarantees or documents of any kind. • Personal possessions unless they are on your person, locked in the

accommodation you are using on your journey or they are out of sight in thelocked boot or covered luggage area of a locked motor vehicle (no cover forvaluables).

• Passport.• Personal money.


Section 6Personal AccidentWHAT YOU ARE COVERED FOR

- We will pay you or your beneficiary one of the following amounts for an accident duringyour journey and leading to total and permanent loss of sight, total and permanent lossof use of limb or permanent disablement or death, within a year of its occurrence.

Death (including Common Carrier)The amount shown in your summary of cover for death. (We will not pay more than 10% ofthe benefits shown in your certificate of insurance if you are aged 16 or under at the timeof the accident.)

Permanent loss of sight or limbThe amount shown in your summary of cover for total and permanent loss of sight in one orboth eyes or total and permanent loss of use of one or both hands or feet. Permanent total disablementThe amount shown in your summary of cover for a permanent physical disability as a resultof which there is no paid work which you are able to do. (We will not pay any compensationif you are aged 16 or under or aged 65 or over at the time of the accident.)

NoteDeath benefit payments will be made to your Personal Representative.

WHAT YOU ARE NOT COVERED FORAny condition stated under Health declaration and health exclusions.Any claim arising more than one year after the original accident.Anything caused by:

- your sickness, disease or gradually occurring conditions, physical or mental conditionthat is gradually getting worse unless shown on your certificate of insurance;

- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carryingaircraft);



- your suicide, self-injury or deliberately putting yourself at risk (unless you were trying tosave another person´s life) for example swimming while under the influence of alcoholor climbing from one balcony to another;

- you travelling on a motorcycle, unless the rider holds an appropriate valid licence and allinsured persons are wearing crash helmets;

- you taking part in any hazardous activity unless shown on your certificate ofinsurance.

We will not pay more than one of the benefits resulting from the same injury.


Section 7Delayed DepartureWHAT YOU ARE COVERED FOR

Compensation of the amount shown in your summary of cover if the flight, train or seagoing vessel you are booked on is delayed at its departure point by more than 6 hours fromthe time shown in your travel itinerary (plans) because of:

- a serious fire, storm or flood damage to the departure point; - industrial action; - bad weather;- mechanical breakdown of the international train or sea vessel or - the grounding of the aircraft due to a mechanical or a structural defect.

WHAT YOU ARE NOT COVERED FOR- Anything which is caused by you not checking in at the departure point when you

should have done. - Missed connections. - Compensation unless you get a letter from the airline giving the reason for the delay and

showing the scheduled departure time and the actual departure time of the flight.

- Any delay caused by a riot, civil commotion, strike or industrial action which began or wasannounced before your policy or travel tickets for your journey were bought (whicheveris later).

- The withdrawal from service of an aircraft, cross-channel train or sea vessel (temporarilyor permanently), on which you are booked to travel, by the carrier or on therecommendation or order of any government, civil aviation authority, port authority, railauthority or other similar authority in any country.


Section 8Missed departureWHAT YOU ARE COVERED FOR

- We will pay you up to the amount shown in your summary of cover for the cost of extraaccommodation and transport which you have to pay to get to your journey destination



or back home because you are delayed by more than 4 hours in getting to the departurepoint by the time shown in your travel itinerary (plans) because:

- public transport (including scheduled flights) does not run to its timetable; or - the vehicle you are travelling in has an accident or breaks down.

WHAT YOU ARE NOT COVERED FORAny claim unless you:

- get a letter from the public transport provider (if this applies) confirming that theservice did not run on time

- get confirmation of the delay from the authority who went to the accident orbreakdown (if this applies) affecting the vehicle you were travelling in

- have allowed time in your travel plans for delays which are expected. Any delay caused by a riot, civil commotion, strike or industrial action which began orwas announced before your policy or travel tickets for your journey were bought(whichever is later).

Failure of public transport caused by a riot, civil commotion, strike or industrial action whichbegan or was announced before you left home or where you could have reasonably madeother travel arrangements.The withdrawal from service of an aircraft, cross-channel train or sea vessel (temporarily orpermanently), on which you are booked to travel, by the carrier or on the recommendationor order of any government, civil aviation authority, port authority, rail authority or othersimilar authority in any country.


Section 9Personal liability

If you are hiring a motorized or mechanical vehicle while on your journey you must makesure that you get the necessary insurance from the hire company. We do not cover this underour policy.

WHAT YOU ARE COVERED FORWe will pay up to the amount shown in your summary of cover plus any other costs we agreeto in writing that relate to anything you cause during your journey for which you are legallyliable and results in one of the following.

• Bodily injury of any person. • Loss of or damage to property which you do not own and you or a close relative have

not hired, loaned or borrowed. • Loss of or damage to the accommodation you are using on your journey that does not

belong to you or a close relative.

NoteInform us as soon as you or your Personal Representative are aware of a possibleprosecution, inquest or fatal injury. which might lead to a claim under this section.Please do not negotiate, pay, settle, admit or deny any liability to any third party withoutour written consent.

WHAT YOU ARE NOT COVERED FORAn excess of the amount shown in your summary of cover.



Any liability for bodily injury or loss of or damage to property that comes under any of thefollowing categories.

- Something which is suffered by anyone employed by you or a close relative and iscaused by the work they are employed to do.

- Something which is caused by something you deliberately did or did not do. - Something which is caused by your employment or employment of a close relative. - Something which is caused by you using any firearm or weapon. - Something which is caused by any animal you own, look after or control. - Something which you agree to take responsibility for which you would not otherwise have

been responsible for. - Any claim incident occurring in your home country. - Any contractual liabilities. - Any liability for bodily injury suffered by you, a close relative or travelling companion. - Compensation or other costs caused by accidents arising from your ownership or

possession of any of the following. The use of any land or building except for the accommodation you are using on yourjourney.Motorized or mechanical vehicles and any trailers attached to them. Aircraft, motorized watercraft or sailing vessels.


Section 10MuggingWHAT YOU ARE COVERED FORIn the event an Insured Person is violently assaulted or attacked while withdrawing fundsfrom an automatic teller machine (ATM) or within two (2) hours thereafter, the Company willreimburse, up to the amount shown in your summary of cover, the amount of cash withdrawnand stolen.

NoteTo be eligible to claim under this cover you must file a complaint with the completentpolice authorities within 48 hours of the mugging

WHAT YOU ARE NOT COVERED FOR• An intentional act on the part of the insured person or a close relative;• Loss occurring during time of War, civil commotion, insurrection, rebellion, revolution or

terrorism or Acts of God, nuclear reaction or radiation; or• Loss occurring as a consequence of any riot or confiscation by the authorities.


Section 11Credit card fraudWHAT YOU ARE COVERED FORWe will pay up to the amount shown in your summary of cover for the transactions that are



made fraudulently by a third party using your credit or debit card after it has been stolenduring your journey.

WHAT YOU ARE NOT COVERED FOR• For an amount that can be recovered by someone or somewhere else;• Where you did not report the card as lost or stolen to the police and your credit / debit

card company as soon as you discovered it or within 24 hours, whichever is sooner.• For cash contained in the lost or stolen wallet;• For cards that have expired, been cancelled or withdrawn;• For any transaction made by another person insured, close relative or travelling companion.• Stolen cards which have been left unattended in a public place or in an unlocked vehicle.• For any person insured under the age of 18 years.• Theft by deception


Section 12Flight overbookingWHAT YOU ARE COVERED FORWe will pay additional hotel accommodation costs and meals if you are unable to board yourflight due to overbooking and no alternative flight is available to be taken within the following6 hours from your original departure time.

WHAT YOU ARE NOT COVERED FORWe will not pay if you have received compensation in cash or value from the airline you wereboarding.We will not pay if you voluntarily accept to take an alternative flight with the airline you areflying with or codeshare.If you do not report to the check in desk before the time advised in your travel itinerary


Section 13Winter sports coverThis section is only in force if the appropriate premium has been paid and shown on yourcertificate of insurance.

WHAT YOU ARE COVERED FORSki packWe will pay up to the amount shown in your summary of cover in total for your ski packcosts that have been paid for and that cannot be recovered from anywhere else, if:

• You have to cancel or curtail your journey.• You cannot ski because of an injury or illness during your journey.

Delayed ski equipmentWe will pay up to the amount shown in your summary of cover in total for the hire ofalternative ski equipment if yours is temporarily lost or stolen on your outward journey formore than 6 hours from when you arrived at your destination.



Ski equipment We will pay up to the amount shown in your summary of cover in total for your skiequipment (including ski equipment you are legally liable for) and ski pass that isdamaged, stolen, lost or destroyed on your journey. There is also a single article limit of the amount shown in your summary of cover, whetherjointly owned or not.

NoteIt will be our decision to pay either: • The cost of repairing your items; • To replace your belongings with equivalent items; or • The cost of replacing your items. An amount for wear, tear and loss of value will be

deducted.

Piste & Avalanche closureWe will pay for the following, if it is not possible for you to ski or snow board at your pre-booked ski resort, because the ski-lifts and ski-schools that you are due to use are closed as aresult of adverse weather conditions.

• $15 for each full day of Total closure for the transfer to alternative ski area plus $8 perday for purchase of lift pass if no alternate ski area is available and

• $35 for each full day of total closure of such facility during your journey.

WHAT YOU ARE NOT COVERED FORUnder Ski packAnything mentioned under the heading ‘WHAT YOU ARE NOT COVERED FOR’ withinCancellation or Interruption charges - section 4.

Anything mentioned under the heading ‘WHAT YOU ARE NOT COVERED FOR’ withinEmergency medical and associated expenses - section 1.

Under Ski equipmentAnything mentioned under the heading ‘WHAT YOU ARE NOT COVERED FOR’ withinPersonal Possessions - section 2.Under Piste & Avalanche closure

• Any compensation for the first full 24 hours at your booked ski resort. • Any journey in your home country. • Any claim unless you have a letter from the ski-lift or ski-school operators giving the

reason for closing the piste and showing the number of days the piste was closed duringyour journey.

• Compensation which you can get from your tour operator or anywhere else. • Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your

policy or travel tickets for your journey were issued, if this is less than 14 days beforethe beginning of your journey.

• Any journey that takes place outside a recognised ski resort or the official resortopening dates.


SANCTION CLAUSEThis Insurance Agreement does not provide coverage related to any business, including but notlimited to this Insurance and the fulfillment of any obligation thereunder, to the extent it wouldviolate any applicable sanction law or regulations of the UN Security Council and /or the EUand/or any other applicable national sanction law or regulations



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JÑ«qø S°ÑÖ GEZÓ¥ G◊∏Ñá hYóO G’CjÉΩ Gdà» GCZ∏≤â a«¡É G◊∏Ñá ‘ NÓ∫ S°ØôJμº.�Gdà©ƒj†¢ Gdò… Áμø GC¿ –ü°∏ƒG Y∏«¬ eø eôT°ócº Gdù°«ÉM» GCh eø GC… L¡á GCNôi.

�GdàμÉd«∞ GŸàμÑóI GE¿ cÉfâ eü°ÉYó Gdàõdè GCh eóGQS¢ J©∏«º Gdàõdè ‘ GŸæàé™ Gdò… Méõ” dój¬ Hü°ƒQI

eù°Ñ≤á e¨∏≤á Yæó U°óhQ Hƒd«ü°àμº GCh JòGcô Gdù°Øô GÿÉU°á Hù°ØôJμº, GE¿ Mü°π Pd∂ bÑπ GCbπ eø 41

jƒekÉ Y∏≈ HóGjá S°ØôJμº.�GC… QM∏á –ü°π NÉQê f£É¥ eæàé™ Jõdè e©Î± H¬ Gh NÉQê eƒGY«ó Yªπ GŸæàé™ GdôS°ª«á.

GdôLÉA Gd©ƒOI GE¤ GCbù°ÉΩ {G’S°àãæÉAGä Gd©Éeáz h{Gdû°ôh•z h{J≤óË GŸ£ÉdÑÉäz Gdà» J£Ñ≥ GCj†°kÉ.

Hæó Gd©≤ƒHÉä

’ Jƒaqô GJØÉb«á GdàÉCeÚ gò√ J¨£«á ’Cjá GCYªÉ∫ ÃÉ ‘ Pd∂ Y∏≈ U°©«ó Gdà©óGO hd«ù¢ G◊ü°ô gòG GdàÉCeÚ hGC…

eƒLÑÉä eÎJÑá ÃƒLÑ¬ WÉŸÉ jû°μqπ Pd∂ NôbÉk ’C… bÉfƒ¿ e£Ñq≥ GCh GCf¶ªá U°ÉOQI Yø ›∏ù¢ G’Ceø GdàÉH™

dÓC· GŸàëóI h/GCh Yø G’E–ÉO G’ChQhH» h/GCh GC… bÉfƒ¿ GCh GCf¶ªá Y≤ƒHÉä fi∏«qá.



Gd≤ù°º GdãÉdå Yû°ôJ¨£«á GdôjÉV°Éä Gdû°àƒjá

’ jμƒ¿ gòG Gd≤ù°º S°ÉQ… GŸØ©ƒ∫ GE’ GE¿ S°óqO Gd≤ù°§ GÿÉU¢q H¬ h”q Pcô√ Y∏≈ T°¡ÉOI Gd†°ªÉ¿.

eÉ Jû°ª∏¬ J¨£«àμº

HôfÉeè Gdàõdè GŸàμÉeπ

S°æ©ƒqV¢ Y∏«μº Mà≈ MóhO GŸÑ∏≠ GŸÑ«qø ‘ e∏îqü¢ Gdà¨£«á Hû°μπ GELªÉ‹ Yø JμÉd«∞ HôfÉeè Gdàõdè GŸàμÉeπ

Gdà» S°óqO“ƒgÉ hGdà» ’ Áμø GS°ÎOGOgÉ eø GC… L¡á GCNôi, ‘ MÉ∫:

�GV°£ôQ” GE¤ GEd¨ÉA S°ØôJμº GCh J≤∏«ü¢ eóJ¡É.

�GCh GE¿ cæàº YÉLõjø Yø ‡ÉQS°á Gdàõdè Hù°ÑÖ GEU°ÉHá J©ôqV°àº d¡É GCh eôV¢ GCU°Ñàº H¬ ‘ GCKæÉA S°ØôJμº.

JÉCNô hU°ƒ∫ e©óGä Gdàõdè

S°æóa™ dμº Mà≈ MóhO GŸÑ∏≠ GŸÑ«qø ‘ e∏îqü¢ Gdà¨£«á Hû°μπ GELªÉ‹ Yø e©óGä Gdàõdè )ÃÉ a«¡É e©óGä

Gdàõdè Gdà» Jμƒfƒ¿ eù°ƒDhdÚ Yæ¡É ÃƒLÖ Gd≤Éfƒ¿( hYø GEP¿ GdóNƒ∫ GE¤ G◊∏Ñá ‘ MÉ∫ J†°ôqQä GCh S°ôbâ

GCh a≤óä GCh GCJ∏Øâ ‘ NÓ∫ S°ØôJμº.

Kªqá S°≤∞ fióqO d∏¨ôV¢ GdƒGMó eø GŸÑ∏≠ GŸÑÚ ‘ e∏îü¢ Gdà¨£«á, S°ƒGA cÉ¿ gòG Gd¨ôV¢ e∏μ«á eû°Îcá GCΩ ’.

�GdÑ£ÉbÉä GŸæà¡«á Gdü°ÓM«á GCh GŸ∏¨ÉI GCh GŸù°ëƒHá;

�GC… e©Ée∏á j≤ƒΩ H¡É T°îü¢ e†°ªƒ¿ GBNô GCh GCMó G’CbÉQÜ GCh Qa«≥ Gdù°Øô;

�GdÑ£ÉbÉä GŸù°ôhbá Gdà» Jôcâ eø Oh¿ eôGbÑá ‘ eμÉ¿ YÉΩ GCh ‘ eôcÑá ZÒ e≤Ø∏á;

�GC… T°îü¢ e†°ªƒ¿ jÑ∏≠ GCbπ eø 81S°æá;

�Gdù°ôbá Yø Wôj≥ GÿóG´.


Gd≤ù°º GdãÉÊ Yû°ô Gcà¶É® GdôMÓä


S°æóa™ dμº JμÉd«∞ G’EbÉeá GdØæób«á hGdƒLÑÉä G’EV°Éa«á GE¿ ⁄ Jù°à£«©ƒG Gdü°©ƒO Y∏≈ eÏ GdôM∏á Hù°ÑÖ

Gcà¶ÉX¡É hGE¿ ⁄ jμø eø QM∏á eàƒGaôI ‘ NÓ∫ Gdù°ÉYÉä Gdù°àá GdàÉd«á GYàÑÉQkG eø JÉQjï G’EbÓ´ G’CS°ÉS°».


dø fóa™ GE¿ J∏≤«àº J©ƒj†°kÉ f≤ójvÉ Gh Y«æ«vÉ eø T°ôcá Gd£ÒG¿ Gdà» Méõ” dój¡É.

dø fóa™ GE¿ hGa≤àº Hü°ƒQI GEQGOjá Y∏≈ GCNò QM∏á Hój∏á dói T°ôcá Gd£ÒG¿ Gdà» Méõ” dój¡É GCh GEMói

QMÓä GŸû°ÉQcá HÉdôeõ.

dø fóa™ GE¿ ⁄ Jù°é∏ƒG hU°ƒdμº GE¤ GŸ£ÉQ dói eμàÖ Gdàù°é«π bÑπ Gdƒbâ GÙóO ‘ N£á S°Ò S°ØôJμº.


eÓM¶á:S°æ≤ôQ fëø GC¿ fóa™:

�c∏Øá Jü°∏«í GCZôGV°μº;�GCh c∏ØáGS°àÑóG∫ Geà©àμº HÉCNôi ‡ÉK∏á;�GCh c∏Øá GS°àÑóG∫ GZôGV°μº, cªÉ S°«àº Mù°º b«ªá G’S°à¡Ó∑ hGdà∏∞ GdæÉœ Yø G’S°à©ªÉ∫ GŸ©≤ƒ∫

ha≤óG¿ Gd≤«ªá




�GC… a©π e≤ü°ƒO j≤ƒΩ H¬ Gdû°îü¢ GŸ†°ªƒ¿ GCh GCMó GCbÉQH¬;�Gÿù°ÉQI Gdà» –ü°π ‘ NÓ∫ G◊ôÜ GCh G’V°£ôGHÉä Gdû°©Ñ«á GCh GdàªôO GCh GdãƒQI GCh Gd©ü°«É¿ GCh

G’EQgÉÜ GCh GCMóGç Gd≤†°ÉA hGd≤óQ, GCh GdàØÉYπ Gdæƒh… GCh G’ET°©É´ Gdæƒh…;�Gÿù°ÉQI Gdà» –ü°π fà«éá GC… GCYªÉ∫ T°¨Ö GCh eü°ÉOQI J≤ƒΩ H¡É Gdù°∏£Éä.


Gd≤ù°º G◊ÉO… Yû°ô Yª∏«Éä G’Mà«É∫ GŸà©∏≤á HÑ£ÉbÉä G’FàªÉ¿


S°æóa™ dμº Mà≈ MóhO GŸÑ∏≠ GŸÑ«qø ‘ e∏îqü¢ Gdà¨£«á Yø Gd©ª∏«Éä Gdà» j≤ƒΩ H¡É aôj≥ KÉdå Hü°ƒQIGMà«Éd«á HÉS°àîóGΩ H£Ébá G’FàªÉ¿ GCh H£Ébá Gdù°ëÖ GÿÉU°á Hμº H©ó GC¿ “qâ S°ôbà¡É ‘ NÓ∫ S°ØôJμº.


�GŸÑ∏≠ Gdò… Áμø GS°ÎOGO√ eø bÑπ T°îü¢ GBNô GCh ‘ eμÉ¿ GBNô;

�‘ MÉ∫ ⁄ JÑ∏¨ƒG Gdû°ôWá hGdû°ôcá Gdà» GCU°óQä H£Ébá G’FàªÉ¿ GCh Gdù°ëÖ Hù°ôbá H£Ébàμº GCh a≤óGf¡É

MÉŸÉ Gcàû°Øàº Pd∂ GCh ‘ Z†°ƒ¿ 42S°ÉYá, GCj¡ªÉ GCbôÜ;

�GŸÑÉd≠ Gdæ≤ójá GŸƒLƒOI ‘ GÙØ¶á GŸù°ôhbá GCh GŸØ≤ƒOI;

GC… eù°ƒDhd«á Yø GEU°ÉHá Lù°ójá GCh Nù°ÉQI GCh V°ôQ ‘ GŸªà∏μÉä bó JÈR –â GC…x eø GdØÄÉä GdàÉd«á:

- GC… T°»A bó j©Éf«¬ GC… T°îü¢ GS°àîó“ƒ√ GCh GCMó GCbÉQHμº Hù°ÑÖ Gd©ªπ Gdò… GS°àîóΩ dàÉCOjà¬.

- GC… T°»A jæàè Yø T°»A bªàº H¬ GCh ⁄ J≤ƒeƒG H¬ Hü°ƒQI eà©ªqóI.

- GC… T°»A jæàè Yø GS°àîóGeμº GCh Yø GS°àîóGΩ GCMó GCbÉQHμº.

- GC… T°»A jæàè Yø GS°à©ªÉdμº S°ÓMkÉ fÉQjvÉ GCh GC… S°Óì GBNô.

- GC… T°»A jæàè Yø M«ƒG¿ –àØ¶ƒ¿ H¬ GCh J¡àªƒ¿ H¬ GCh Jàëμqªƒ¿ H¬.

- GC… T°»A JƒGa≤ƒ¿ Y∏≈ –ªqπ eù°ƒDhd«à¬ hgƒ d«ù¢ GCS°ÉS°kÉ eø eù°ƒDhd«àμº.

- GC… MÉOKá e£ÉdÑá –ü°π ‘ H∏ó GbÉeàμº.

- GC… eù°ƒDhd«Éä J©Ébójá.

- GC… eù°ƒDhd«á Yø GEU°ÉHá Lù°ójá bó Jà©ôV°ƒ¿ GCfàº GCh GCMó GCbÉQHμº GCh Qa«≥ S°Øôcº d¡É.

- Gdà©ƒj†¢ GCh GC… fØ≤Éä GCNôi Jæéº Yø MƒGOç eàÉCJ«á eø M«ÉRJμº GCh GbàæÉFμº GCjvÉ ‡É j∏»:GS°à©ªÉ∫ GC… GCQV¢ GCh eÑæ≈, GE’ ’CZôGV¢ G’EbÉeá Gdà» Jù°à©ª∏ƒf¡É ‘ NÓ∫ S°ØôJμº.GŸôcÑÉä G’Bd«á GCh GŸ«μÉf«μ«á hGC… e≤£ƒQGä eàü°∏á H¡É.Gd£ÉFôGä GCh GdõhGQ¥ G’Bd«á GCh Gdù°Øø Gdû°ôGY«á.


Gd≤ù°º Gd©ÉT°ôGdù°∏Ö


‘ MÉ∫ J©ôqV¢ Gdû°îü¢ GŸ†°ªƒ¿ GE¤ GYàóGA Yæ«∞ GCh GE¤ géƒΩ H«æªÉ j≤ƒΩ Hù°ëÖ eÑ∏≠ eø GŸÉ∫ eø Gdü°ôG± G’B‹GCh H©ó S°ÉYàÚ Y∏≈ Pd∂, J©ƒqV¢ Gdû°ôcá Y∏«¬, ◊óhO GŸÑ∏≠ GŸÑ«qø ‘ e∏îü¢ Gdà¨£«á, GŸÑ∏≠ GŸù°ëƒÜ hGŸù°ôh¥.

eÓM¶á:

dàμƒfƒG eƒDg∏Ú dà≤óË e£ÉdÑá ÃƒLÖ gò√ Gdà¨£«á, jà©Ú Y∏«μº J≤óË T°μƒi GCeÉΩ S°∏£Éä Gdû°ôWáGŸ©æ«á ‘ NÓ∫ 84S°ÉYá Y∏≈ MÉOKá Gdù°£ƒ



Gd≤ù°º GdàÉS°™GŸù°ƒDhd«á Gdû°îü°«á

GE¿ cæàº JƒOqh¿ GS°àÄéÉQ eôcÑá GBd«á GCh e«μÉf«μ«á ‘ NÓ∫ S°ØôJμº, Y∏«μº G◊ôU¢ Y∏≈ G’cààÉÜ HÉd†°ªÉ¿Gd†°ôhQ… eø Gdû°ôcá GŸƒDLqôI. ’ fƒaqô J¨£«á dòd∂ ÃƒLÖ gò√ GdÑƒd«ü°á.


S°æóa™ dμº Mà≈ MóhO GŸÑ∏≠ GŸÑ«qø ‘ e∏îqü¢ Gdà¨£«á GEV°Éaák GE¤ GC… JμÉd«∞ GCNôi fƒGa≥ Y∏«¡É N£«vÉ hJà©∏≥Hμπ eÉ bó Jàù°ÑqÑƒ¿ H¬ ‘ NÓ∫ S°ØôJμº hJμƒfƒ¿ eù°ƒDhdÚ Yæ¬ ÃƒLÖ Gd≤Éfƒ¿ hjƒDO… GE¤ GC…x ‡É j∏»:

�GEU°ÉHá Lù°ójá ’C… T°îü¢.�Nù°ÉQI GCh GCV°ôGQ ‘ ‡à∏μÉä ’ “∏μƒf¡É h⁄ J≤ƒeƒG GCfàº GCh GCMó GCbÉQHμº HÉS°àÄéÉQgÉ GCh HÉEYÉQJ¡É GCh

HÉS°à©ÉQJ¡É.�Nù°ÉQI GCh GCV°ôGQ ‘ G’EbÉeá Gdà» Jù°à©ª∏ƒf¡É ‘ NÓ∫ S°ØôJμº hGdà» ’ Jîü°qμº GCfàº GCh GCMó GCbÉQHμº.


eÑ∏≠ G’bà£É´ GŸÑ«qø ‘ e∏îü¢ Gdà¨£«á GÿÉU¢ Hμº

dàμÑqógÉ d∏ƒU°ƒ∫ GE¤ hL¡á S°ØôJμº GCh d∏©ƒOI GE¤ eæõdμº ’Cfμº JÉCNô” ’CcÌ eø 4S°ÉYÉä ‘ GdƒU°ƒ∫ GE¤f≤£á G’f£Ó¥‘ Gdƒbâ GÙóO Y∏≈ N§q S°Ò GdôM∏á )GdÈGeè( Hù°ÑÖ:

- YóΩ S°Ò hS°ÉFπ Gdæ≤π Gd©ÉΩ )ÃÉ a«¡É GdôMÓä GŸ≤ôqQI( Hëù°Ö G÷óh∫ Gdõeæ»;

- GCh J©ôqV¢ GŸôcÑá Gdà» Jù°Éaôh¿ a«¡É◊ÉOçGCh J©£q∏¡É.


GC… e£ÉdÑá, GE’ GE¿:

- GS°àëü°∏àº Y∏≈ QS°Édá eø eõhO NóeÉä Gdæ≤π Gd©ÉΩ ) GE¿ cÉ¿ Pd∂ jæ£Ñ≥( JƒDcó HÉC¿q Gÿóeá ⁄ J©ªπ‘ Gdƒbâ GÙóqO

- GS°àëü°∏àº Y∏≈ GEaÉOI U°ÉOQI Yø G÷¡á Gdà» YÉjæâ G◊ÉOç GCh Gd©£π Gdò… GCU°ÉÜ GŸôcÑá Gdà» cæàºJù°Éaôh¿ a«¡É JƒDcó GdàÉCNÒ

- cÉ¿ dójμº hbâ eù°ªƒì H¬ ‘ HôGeè S°Øôcº d∏àÉCNÒ GŸàƒb™.GC… JÉCNÒ fÉLº Yø GCYªÉ∫ T°¨Ö GCh GV°£ôGHÉä T°©Ñ«á GCh GV°ôGÜ GCh –ô∑ YªÉ‹ HóGC GCh GCY∏ø Yæ¬ bÑπ JÉQjïT°ôGA Hƒd«ü°àμº GCh JòGcô Gdù°Øô dù°ØôJμº )GCj¡ªÉ ’M≥(.Yéõ hS°ÉFπ Gdæ≤π Gd©ÉΩ Yø Gdù°Ò Hù°ÑÖ GCYªÉ∫ T°¨Ö GCh GV°£ôGHÉä T°©Ñ«á GCh GV°ôGÜ GCh –ô∑ YªÉ‹ HóGCGCh GCY∏ø Yæ¬ bÑπ GC¿ ZÉOQ” GŸæõ∫ GCh M«ãªÉ cÉ¿ HÉeμÉfμº Gd≤«ÉΩ HÎJ«ÑÉä S°Øô GCNôi Hü°ƒQI e©≤ƒdá.S°ëÖ WÉFôI GCh b£ÉQ YÉHô Gd≤æÉI GCh eôcÑá Hëôjá eø Gÿóeá )Hü°ƒQI eƒbàá GCh OGFªá( cæàº bó Méõ”d∏ù°Øô a«¡É H≤ôGQ eø T°ôcá Gdæ≤π GCh ÃƒLÖ JƒU°«á GCh GCeô eø GC… Mμƒeá GCh GEMói g«ÄÉä Gd£ÒG¿ GŸóÊGCh g«Äá GŸ«æÉA GCh g«Äá S°μ∂ G◊ójó GCh ZÒgÉ eø Gdù°∏£Éä GŸû°ÉH¡á ‘ GC… H∏óm cÉ¿.


eÓM¶á:

jôL≈ eæμº GEYÓeæÉ MÉŸÉ JÉCNòh¿ Gfàº GCh ‡ã∏ƒcº Gdû°îü°«ƒ¿ Y∏ªÉk HƒLƒO GC… OYƒi b†°ÉF«á GCh–≤«≥ GCh GEU°ÉHá ‡«àá fiàª∏á bó JƒDO… GE¤ J≤óË e£ÉdÑá ÃƒLÖ gòG Gd≤ù°º.

cªÉ jôL≈ eæμº YóΩ GdàØÉhV¢ Mƒ∫ GC… eù°ƒDhd«á ŒÉ√ GC… aôj≥ KÉdå GCh Jù°ójógÉ GCh Jù°ƒjà¡É GCh G’CbôGQH¡É GCh GEfμÉQgÉ eø Oh¿ eƒGa≤àæÉ Gÿ£«á.



- Y£π e«μÉf«μ» ‘ Gd≤£ÉQ GCh GŸôcÑá GdÑëôjá Gd©ÉŸ«á;

- eæ™ Gd£ÉFôI eø G’EbÓ´ Hù°ÑÖ N∏π e«μÉf«μ» GCh g«μ∏».


- eÉ bó jæàè Yø YóΩ Jù°é«π M†°ƒQcº Yæó f≤£á G’f£Ó¥ ‘ Gdƒbâ Gdò… jàƒLÖ Y∏«μº a©π Pd∂.

- GdôMÓä Gdà» JØƒqJƒf¡É.

- Gdà©ƒj†¢, GE’ GE¿ GS°àëü°∏àº Y∏≈ QS°Édá eø T°ôcá Gd£ÒG¿ JÑ«qø S°ÑÖ GdàÉCNÒ hJ©ôV¢ hbâ GŸ¨ÉOQIGŸ≤ôqQ hhbâ Gf£Ó¥ GdôM∏á GdØ©∏».

- GC… JÉCNÒ fÉLº Yø GCYªÉ∫ T°¨Ö GCh GV°£ôGHÉä T°©Ñ«á GCh GV°ôGÜ GCh –ô∑ YªÉ‹ HóGC GCh GCY∏ø Yæ¬ bÑπJÉQjï T°ôGA Hƒd«ü°àμº GCh JòGcô Gdù°Øô dù°ØôJμº)GCj¡ªÉ ’M≥(.

- S°ëÖ WÉFôI GCh b£ÉQ YÉHô Gd≤æÉI GCh eôcÑá Hëôjá eø Gÿóeá )Hü°ƒQI eƒbàá GCh OGFªá( cæàº bóMéõ” d∏ù°Øô a«¡É H≤ôGQ eø T°ôcá Gdæ≤π GCh ÃƒLÖ JƒU°«á GCh GCeô eø GC… Mμƒeá GCh GEMói g«ÄÉä Gd£ÒG¿GŸóÊ GCh g«Äá GŸ«æÉA GCh g«Äá S°μ∂ G◊ójó GCh ZÒgÉ eø Gdù°∏£Éä GŸû°ÉH¡á ‘ GC… H∏óm cÉ¿.


Gd≤ù°º GdãÉeøJØƒjâ GdôM∏á


S°æóa™ dμº Mà≈ MóhO GŸÑ∏≠ GŸÑ«qø ‘ e∏îqü¢ Gdà¨£«á Yø fØ≤Éä Gdæ≤π hG’EbÉeá G’V°Éa«á Gdà» J†°£ôh¿

- S°Øôcº ‘ WÉFôI )GE’ GE¿ cÉ¿ Pd∂ Hü°Øàμº QcqÉHkÉ ‘ WÉFôI eôNü°á c∏«vÉ hflü°ü°á dæ≤π GdôcÉÜ(;

- b«Éeμº HÉ’fàëÉQ GCh HÉjòGA GCfØù°μº GCh HƒV°™ GCfØù°μº –â Gÿ£ô Hü°ƒQI eà©ªóI )GE’ GE¿ cæàº –Éhdƒ¿GEf≤ÉP M«ÉI T°îü¢ GBNô(, Y∏≈ S°Ñ«π GŸãÉ∫ Gdù°ÑÉMá –â JÉCKÒ Gdμëƒ∫ GCh Gdàù°∏q≥ eø T°ôaá GE¤ GCNôi;

- S°Øôcº Y∏≈ OQGLá fÉQjá, GE’ GE¿ cÉ¿ Gdù°ÉF≥ MÉFõkG Y∏≈ QNü°á b«ÉOI eÓFªá hU°É◊á hGE¿ cÉ¿ Lª«™G’CT°îÉU¢ GŸ†°ªƒfÚ j©àªôh¿ NƒPGä hGb«á.

- eû°ÉQcàμº ‘ fû°É• N£ô, GE’ GE¿ cÉ¿ Pd∂ eÑ«qækÉ ‘ T°¡ÉOI Gd†°ªÉ¿ GÿÉU°á Hμº.dø fóa™ GE’ hGMóI eø Gdà¨£«Éä dÓEU°ÉHá GdƒGMóI.


Gd≤ù°º Gdù°ÉH™JÉCNô G’Ef£Ó¥


J©ƒj†¢ GŸÑ∏≠ GŸÑ«qø ‘ e∏îqü¢ Gdà¨£«á GE¿ JÉCNôä Gd£ÉFôI GCh Gd≤£ÉQ GCh GŸôcÑá GdÑëôjá Gdà» Méõ” QM∏áa«¡É Yæó f≤£á G’Ef£Ó¥’CcÌ eø 6S°ÉYÉä GYàÑÉQkG eø Gdƒbâ GÙóqO Y∏≈ N§q S°Ò GdôM∏á )GdÈGeè(Hù°ÑÖ:

- J†°ôqQ f≤£á G’Ef£Ó¥LôqGA Môj≥ cÑÒ GCh YÉU°Øá GCh a«†°É¿;

- –ôq∑ YªqÉ‹;

- S°ƒA G’CMƒG∫ G÷ƒjá;



GdƒaÉI )ÃÉ ‘ Pd∂ hS°ÉFπ Gdæ≤π Gd©ÉΩ(

GŸÑ∏≠ GŸÑ«qø ‘ e∏îqü¢ Gdà¨£«á Yø GdƒaÉI. )dø fóa™ GCcÌ eø 01% eø Gdà¨£«Éä GŸÑ«æá ‘ T°¡ÉOI Gd†°ªÉ¿

GÿÉU°á Hμº GE¿ cÉ¿ Yªôcº 61YÉekÉ GCh eÉ Oh¿ Yæó hbƒ´ G◊ÉOç(.

GdØ≤óG¿ Gdμ∏» d∏Ñü°ô GCh d∏≤óQI Y∏≈ GS°àîóGΩ GCMó G’CWôG±

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Gd≤ù°º Gdù°ÉOS¢G◊ƒGOç Gdû°îü°«á


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eÓM¶á:

Jù°óO Oa©Éä J©ƒj†¢ GdƒaÉI GE¤ ‡ã∏μº Gdû°îü°»



S°æ©ƒqV¢ Yø GdàÑ≠ hGdμëƒ∫ hGd©£ƒQ Mà≈ MóhO S°≤∞ GdÑƒd«ü°á cªÉ gƒ fióqOl ‘ e∏îü¢ Gdà¨£«á.


- eÑ∏≠ G’bà£É´ GŸÑ«qø ‘ e∏îü¢ Gdà¨£«á GÿÉU¢ Hμº.

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Gd≤ù°º GdôGH™ JÉCNô hU°ƒ∫ GŸªà∏μÉä Gdû°îü°«á


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Gd≤ù°º GÿÉeù¢GŸªà∏μÉä Gdû°îü°«á


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eÓM¶á:S°æ≤ôQ fëø GC¿ fóa™:

�c∏Øá Jü°∏«í GCZôGV°μº;�GCh c∏ØáGS°àÑóG∫ Geà©àμº HÉCNôi ‡ÉK∏á;�GCh c∏Øá GS°àÑóG∫ GZôGV°μº, cªÉ S°«àº Mù°º b«ªá G’S°à¡Ó∑ hGdà∏∞ GdæÉœ Yø G’S°à©ªÉ∫ GŸ©≤ƒ∫

ha≤óG¿ Gd≤«ªá



- Oaæμº GCh GEMôG¥ Lãàμº ‘ H∏ó GbÉeàμº.

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Gd≤ù°º GdãÉdå a≤óG¿ eù°àæóGä Gdù°Øô


S°æ©ƒqV¢ dμº Yø a≤óG¿ eù°àæóGä Gdù°Øô GdàÉd«á GCh S°ôbà¡É GCh J∏Ø¡É ‘ NÓ∫ S°ØôJμº.

LƒGR Gdù°Øô

�JμÉd«∞ GEU°óGQ LƒGR S°Øô eƒbqâ

◊óhO GŸÑ∏≠ GŸÑ«qø ‘ e∏îqü¢ Gdà¨£«á Yø fØ≤Éä Gdæ≤π hG’EbÉeá hG’EOGQI G’EV°Éa«á Gdà» jàƒLÖ Y∏«μºOa©¡É d∏ëü°ƒ∫ Y∏≈ LƒGR S°Øô eƒbâ jù°ªí dμº HÉd©ƒOI GE¤H∏ó GbÉeàμº.

JÉCT°ÒGä GdóNƒ∫

�JμÉd«∞ GEU°óGQ JÉCT°ÒI ONƒ∫ eƒbqàá

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GEf≤ÉP M«ÉI T°îü¢ GBNô(, Y∏≈ S°Ñ«π GŸãÉ∫ Gdù°ÑÉMá –â JÉCKÒ Gdμëƒ∫ GCh Gdàù°∏q≥ eø T°ôaá GE¤ GCNôi;�S°Øôcº Y∏≈ OQGLá fÉQjá, GE’ GE¿ cÉ¿ Gdù°ÉF≥ MÉFõkG Y∏≈ QNü°á b«ÉOI eÓFªá hU°É◊á hGE¿ cÉ¿ Lª«™

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- GÿóeÉä GCh Gd©ÓLÉä Gdà» Jà∏≤ƒf¡É ‘ H∏ó GbÉeàμº.

- GÿóeÉä GCh Gd©ÓLÉä Gdà» Jà∏≤ƒf¡É hGdà» jôi Gd£Ñ«Ö GŸæÉhÜ hfëø HÉCf¡É –àªπ G’fà¶ÉQ ◊Ú YƒOJμºGE¤ H∏ó GbÉeàμº.

- GdæØ≤Éä Gd£Ñ«á Gdà» Jàî£≈ 052Oh’Q GCeÒc» GCh fØ≤Éä Gd©Óê GŸ©£≈ d∏ªôj†¢ GdóGN∏» ‘ GŸù°àû°Ø≈GCh fØ≤Éä GdÎM«π ZÒ GŸù°ªƒì H¡É.

- GdæØ≤Éä G’EV°Éa«á GŸàμÑóI d∏ëü°ƒ∫ Y∏≈ Zôaá Hù°ôjô hGMó GCh Y∏≈ Zôaá NÉU°á ‘ GŸù°àû°Ø≈ GCh ‘ OGQGdôYÉjá.

- Jμ∏Øá Lª«™ Gd©ÓLÉä ZÒ GŸôJÑ£á Hü°ƒQI eÑÉT°ôI HÉŸôV¢ GCh HÉ’EU°ÉHá Gdà» boóeâ GŸ£ÉdÑá Y∏≈ GEKôgÉ.



fØ≤Éä Gdæ≤π hG’EbÉeá GE¿ H≤«àº ‘ GŸù°àû°Ø≈ ’CcÌ eø 5GCjÉΩ

S°æóa™ fØ≤Éä Gdæ≤π GŸ©≤ƒdá )H£Ébá GEjÉÜ eø GdóQLá Gdù°«ÉM«á( hfØ≤Éä G’EbÉeá Yø GCMó G’CbÉQÜ d«ù°ÉaôhjÑ≤≈ GE¤ LÉfÑμº.

GdæØ≤Éä ‘ MÉ∫ Jô∑ WØπ bÉU°ô dƒMó√

GE¿ H≤«àº ‘ GŸù°àû°Ø≈ ’CcÌ eø 84S°ÉYá hGE¿ ⁄ jμø jôGa≤μº GC… eø GCbÉQHμº, S°æàóHqô JòcôI PGä GŒÉ√hGMó d∏£Øπ Gd≤ÉU°ô d«©ƒO GE¤ GŸæõ∫ e™ eôGa≥ flƒq∫ GCh ’CMó G’CbÉQÜGdò… j©«û¢ ‘ H∏ó GbÉeàμºd«ù°ÉaôGEd«μº hjàëªπ eù°ƒDhd«á Gd£Øπ Gd≤ÉU°ô hj©ƒO GE¤ H∏ó GbÉeàμº.

fØ≤Éä Gdóaø

‘ MÉ∫ GdƒaÉI NÓ∫ Gdù°ØôI, h◊óhO GŸÑ∏≠ GŸÑ«qø ‘ e∏îqü¢ Gdà¨£«á, S°æ≤ƒΩ Hàù°ójó Gdàμ∏Øá GŸ©≤ƒdáGŸàμÑóI eø GLπ:

- f≤π LãªÉfμº GCh QeÉOcº GE¤ eæõdμº GCh- fØ≤Éä Oaæμº ‘ GŸμÉ¿ Gdò… Jàƒaqƒ¿ a«¬ NÉQê H∏ó GbÉeàμº.


- eÑ∏≠ G’bà£É´ GŸÑ«qø ‘ e∏îü¢ Gdà¨£«á GÿÉU¢ Hμº.

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Hòd∂ Y∏≈ GdØƒQ - GdôLÉA G’WÓ´ Y∏≈ G÷õA Gdò… jëªπ YæƒG¿ {GŸù°ÉYóI Gd£Ñ«á Gd£ÉQFá Y∏≈ eóGQGdù°ÉYáz d∏ªõjó eø GŸ©∏ƒeÉä.


S°æóa™ dμº GChŸªã∏«μº Gdû°îü°«ÚGdæØ≤Éä Gd£ÉQFá ZÒ GŸàƒb©á hGd†°ôhQjá Gdà» JàμÑóhf¡É ‘ MÉdá GdƒaÉIGCh Gdà©ôqV¢ ’EU°ÉHá GChMÉOçGCh G’EU°ÉHá ÃôV¢ ‘ GCKæÉA S°ØôJμº,

hPd∂ ◊óhO GŸÑ∏≠ GŸÑ«qø ‘ e∏îqü¢ Gdà¨£«á Yø GdôS°ƒΩ hGdàμÉd«∞ GŸ©≤ƒdá Gdà» JàμÑóhf¡É ŸÉ j∏»:Gd©Óê

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GEYÉOI G÷ãªÉ¿

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Gd©æÉjá HÉ’CS°æÉ¿

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GdÎM«π

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GCh H£ÉbÉä Gdù°Øô dù°ØôJμº )GCj¡ªÉ ’M≥(.

ÃƒLÖ J≤∏«ü¢ eóI Gdù°ØôI

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Gdò… cæàº J≤«ªƒ¿ a«¬( JƒDcó V°ôhQI YƒOJμº GE¤ eæõdμº Hù°ÑÖ GdƒaÉI GCh G’EU°ÉHá GCh GŸôV¢. jéÖ GC¿jƒGa≥ eù°àû°ÉQhfÉ Gd£Ñ«ƒ¿ Y∏≈ Gdù°ÑÖ hGC¿ Jμƒ¿ MÉdàμº Jù°ªí dμº HÉdù°Øô.

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fØ≤Éä GEd¨ÉA Gdù°ØôI GCh J≤∏«ü¢ eóJ¡É

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S°æƒaqô gò√ Gdà¨£«á ‘ Gd¶ôh± Gd†°ôhQjá GdàÉd«á Gdà» ’ Áμø JØÉOj¡É:

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J≤∏«ü¢ eóI Gdù°ØôI

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eÓM¶á:

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eÉ ’ Jû°ª∏¬ J¨£«àμºÃƒLÖ LõA GEd¨ÉA Gdù°ØôI hJ≤∏«ü¢ eóJ¡É

eÑ∏≠ G’bà£É´ GŸÑ«qø ‘ e∏îü¢ Gdà¨£«á GÿÉU¢ Hμº.



GŸù°ƒDhd«á Gdû°îü°«á

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Gcà¶É® GdôMÓä

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GdôjÉV°Éä Gdû°àƒjá

HôfÉeè Gdàõdè GŸàμÉeπ�GKÑÉJÉä WÑ«á U°ÉOQI Yø Gd£Ñ«ÖGŸ©Édè dàÉCc«ó GŸôV¢ GCh G’EU°ÉHá hGd©Óê Gdò… ”q J≤óÁ¬, ÃÉ ‘

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Y∏«μº G’S°àëü°É∫ Y∏≈ GEaÉOI WÑ«á U°ÉOQI Yæ¬ JƒDcó Pd∂.

e©óGä Gdàõdè hJÉCNô hU°ƒd¡É

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GE¤ L¡á NÉWÄá.

GEZÓ¥ M∏Ñá Gdàõdè GCh G’EZÓ¥ Hù°ÑÖ Gf¡«ÉQ L∏«ó…

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J≤óË T°μƒigóaæÉ gƒ GC¿ fƒaqô dμº V°ªÉfkÉ hNóeák eø GdóQLá G’Ch¤. hdμø, bó Jû°©ôh¿ GCM«ÉfkÉ HÉCfqæÉ ⁄ fæéí ‘ Pd∂.

‘ gò√ G◊Édá, fôLƒ eæμº GEYÓeæÉ Hòd∂ dμ» fØ©π eÉ HƒS°©æÉ ◊πq GŸû°μ∏á. GE¿ bóqeàº T°μƒi, dø jƒDKôPd∂ ‘ M≤ƒbμº Gd≤Éfƒf«á.



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GdæØ≤Éä Gd£Ñ«á

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JƒGQjï GdóNƒ∫ hGÿôhê eø GŸù°àû°Ø≈ ‘ G◊É’ä Gdà» jæ£Ñ≥ a«¡É Pd∂.�GE¿ fü°ëμº WÑ«Öl ‘ eæàé©μº H©óΩ GdògÉÜ ‘ Gdæõgá Gdà» S°Ñ≥ GC¿ Méõ“ƒgÉ ’CS°ÑÉÜ WÑ«á, Y∏«μº

G’S°àëü°É∫ Y∏≈ GEaÉOI WÑ«á U°ÉOQI Yæ¬ JƒDcó Pd∂.

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GŸªà∏μÉä Gdû°îü°«á

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�bƒeƒG HÉ’S°àëü°É∫ Y∏≈ J≤ójô dàü°∏«í Lª«™ G’CZôGV¢ GŸà†°ôQI.

G◊ƒGOç Gdû°îü°«á

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�JØÉU°«π cÉe∏á Yø GC… T°¡ƒO bó j©£ƒ¿ GEaÉOGä N£«á M«ãªÉ jμƒ¿ Pd∂ ‡μækÉ.�U°ƒQI eü°óbá Yø T°¡ÉOI GdƒaÉI, ‘ G◊É’ä Gdà» jæ£Ñ≥ a«¡É Pd∂.

JØƒjâ GdôM∏á

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JÉCNô G’Ef£Ó¥

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Gdàõdè Y∏≈ Gdã∏è GCh G÷∏«ó NÉQê G◊∏Ñá )WÉŸÉ GCfμº “ÉQS°ƒ¿ Gdàõdè V°ªø MóhO ›É∫ Gdàõdè ‘ eæàé™e©Î± H¬ hJàÑ©ƒ¿ GEQT°ÉOGä OhQjÉä Gdàõdè(,Gdàõdè ‘ RhQ¥ ‘ GŸ«É√ GŸàóa≤á, Gdàõdè Y∏≈ GŸõM∏≤Éä,Gdàõdè Y∏≈ Gdã∏è HƒGS°£á G’CfÉH«Ö, Gdàõdè Y∏≈ GŸæëóQGä.

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GdÑôjó G’dμàôhf»:moc.htlaeheractxen@tped_lanoitanretni

fôLƒ eæμº JõhjófÉ HÉS°ªμº hYªôcº hQbº Hƒd«ü°àμº. hbƒdƒG GEfμº e†°ªƒfƒ¿ dói T°ôcá GCd«Éfõ S°æÉ.Œóh¿ GCOfÉ√ H©†¢ Wô¥ Nóeá GŸù°ÉYóI Gd£Ñ«á Gd£ÉQFá Y∏≈ eóGQ Gdù°ÉYá Gdà» bó Jù°ÉYócº.

JÉCc«ó Gdóa™S°æ≤ƒΩ HÉ’Jü°É∫ HÉŸù°àû°Ø«Éä GCh HÉ’CWÑÉA‘ GÿÉQê hS°æƒDcó d¡º GCfæÉ S°æóa™ GdôS°ƒΩ GŸù°àë≤á d¡º, T°ô•GC¿ JμƒfƒG bó bóqeàº e£ÉdÑá U°É◊á.

GdàôM«πGE¿ GYàÈ eù°àû°ÉQhfÉ Gd£Ñ«ƒ¿ GC¿q eø eü°∏ëàμº Gd£Ñ«á GC¿ J©ƒOhG GE¤ eæõdμº GCh GE¤ eù°àû°Ø≈ GCh OGQ QYÉjá

‘ H∏ó G’CbÉeá, S°«àºq f≤∏μº Hü°ƒQI WÑ«©«á YÈ Gÿ£ƒ• G÷ƒjá Gd©ÉOjá GCh G’ES°©É± GdÈq…. GCeqÉ ‘ G◊É’äGÿ£ÒI GCh Gd£ÉQFá, aù°æù°à©Ú HÉ’ES°©É± G÷ƒ… Gdò… jü°Ñí V°ôhQI WÑ«á. S°æ≤ƒΩ HÉS°àû°ÉQI Gd£Ñ«Ö

GŸ©Édè heù°àû°ÉQjæÉ Gd£Ñ«Ú GChdkÉ. GE¿ cæàº HëÉLá GE¤ Gd©ƒOI GE¤ GŸæõ∫ Hü°ƒQI eÑμôI, jà©Ú Y∏≈ Gd£Ñ«Ö

GŸ©Édè GC¿ jõhqOcº HÉEaÉOIm JƒDcó HÉC¿q MÉdàμº Jù°ªí dμº HÉdù°Øô. eø Oh¿ gò√ G’EaÉOI, Áμø dû°ôcá Gd£ÒG¿GC¿ Jôa†¢ f≤π GC… T°îü¢ eôj†¢ GCh eü°ÉÜ.

Áμæμº GdàƒGU°π e©æÉ d«∏kÉ f¡ÉQkG h‘ GC… hbâm cÉ¿. S°«é«Ñμº GCMó eƒXØ» bù°º GŸù°ÉYóI GŸàîü°ü°Ú dójæÉd«õhqOcº Héª«™ GŸ©∏ƒeÉä Gd†°ôhQjá. GEMôU°ƒG Y∏≈ GC¿ Jμƒ¿ HëƒRJμº Lª«™ GdàØÉU°«π GÿÉU°á HÑƒd«ü°àμºbÑπ GELôGA G’Jü°É∫.



S°ØôJμº. JÑóGC Gdà¨£«á ÷ª«™ G’Cbù°ÉΩ G’CNôi ‘ HóGjá S°ØôJμº hJæà¡» ‘ f¡Éjá S°ØôJμº GCh ‘ JÉQjïGfà¡ÉA U°ÓM«á Hƒd«ü°àμº, GCj¡ªÉ GCbôÜ.

HÉdæù°Ñá d∏à¨£«á Gdù°æƒjá GŸà©óOI Gdù°ØôGä:

�JÑóGC J¨£«á G’Ed¨ÉA GYàÑÉQkG eø JÉQjï G’EU°óGQ GŸÑ«qø Y∏≈ T°¡ÉOI Gd†°ªÉ¿ GÿÉU°á Hμº GCh eø JÉQjï MéõS°ØôJμº, GCj¡ªÉ ’M≥, hJæà¡» ‘ HóGjá S°ØôJμº. JÑóGC Gdà¨£«á ÷ª«™ G’Cbù°ÉΩ G’CNôi ‘ HóGjá S°ØôJμºhJæà¡» ‘ f¡Éjá S°ØôJμº GCh ‘ JÉQjï Gfà¡ÉA U°ÓM«á Hƒd«ü°àμº, GCj¡ªÉ GCbôÜ.

HÉdæù°Ñá dà¨£«á S°ØôI hGMóI hd∏à¨£«á Gdù°æƒjá GŸà©óOI Gdù°ØôGä:

�Jæà¡» Gdà¨£«á ÷ª«™ G’Cbù°ÉΩ HàÉQjï Gfà¡ÉA Gdü°ÓM«á GŸÑÚ Y∏≈ T°¡ÉOI Gd†°ªÉ¿ GÿÉU°á Hμº, GE’ GE¿cæàº YÉLõjø Yø GEf¡ÉA S°ØôJμº cªÉ cÉ¿ e≤ôqQkG Hù°ÑÖ GdƒaÉI GCh G’EU°ÉHá GCh GŸôV¢ GCh JÉCNÒ ’ ÁμøJØÉOj¬ ‘ f¶ÉΩ Gdæ≤π Gd©ÉΩ. ‘ eãπ gò√ G◊É’ä, ‰óqO J¨£«àμº eø Oh¿ c∏Øá GEV°Éa«á GE¤ GC¿ JàªμæƒGeø GEf¡ÉA S°ØôJμº Hü°ƒQI e©≤ƒdá.

Gdªªà∏μÉä Gdû°îü°«á cπw eø M≤ÉFÑμº hU°æÉOj≤μº hZÒgÉ eø G◊ÉhjÉä GŸû°ÉH¡á )ÃÉ a«¡É fiàƒjÉJ¡É( hG’CZôGV¢ Gdà» JôJóhf¡ÉGCh Gdà» –ª∏ƒf¡É HÉCjójμº )ÃÉ a«¡É G’CT°«ÉA Gdãª«æá Gdà» Jîü°qμº(.

GdëÉdá Gd£Ñ«á GdæÉJéá Yø eôV¢ S°ÉH≥:G◊Édá Gd£Ñ«á GdæÉŒá Yø eôV¢ S°ÉH≥ J©æ»:

�MÉdá WÑ«á bÉFªá GCh e©É÷á G’CS°æÉ¿ GCh MÉdá WÑ«á e©«æá Jà©∏≥ HÉ’CS°æÉ¿ dójμº Y∏º H¡É GCh GC… e†°ÉYØÉäeà©∏≤á H¡É GCh GCYôGV¢ dójμº Y∏º HƒLƒOgÉ ;�MÉdá WÑ«á bÉFªá GCh Jà©∏≥ HÉ’CS°æÉ¿ jàºq Gdæ¶ô a«¡É MÉd«vÉ GCh f¶ô a«¡É GCh “qâ e©É÷à¡É eø bÑπ WÑ«Ö

eàîü°ü¢ )ÃÉ ‘ Pd∂ WÑ«ÖGCS°æÉ¿ GCh NÑÒ HÉŸ©É÷á Gd«óhjá( bÑπ JÉQjï GEU°óGQ GdÑƒd«ü°á.

�GC… MÉdá WÑ«á Mü°∏àº GEKôgÉ Y∏≈ hU°Øá WÑ«á GCh T°ÉhQ” WÑ«Ö GNàü°ÉU°».�GC… MÉdá WÑ«á GCLôjàº GEKôgÉ Yª∏«á LôGM«á.

e≤«ºT°îü¢ jμƒ¿ eƒGWækÉ GCh jàªàq™ Hü°Øá e≤«º ‘ dÑæÉ¿ hjù°Éaô eø dÑæÉ¿ hj©ƒO GEd«¬.

e©óGä GdàõdèJû°ªπ Gdõ’LÉä hGd©ü°» hGCMòjá Gdàõdè hG’CQH£á hGCdƒGì Gdã∏è hGŸõ÷á.

HôfÉeè Gdàõdè GdªàμÉeπe©óGä Gdàõdè GŸù°àÉCLôI hQS°ƒΩ OQhS¢ Gdàõdè hH£ÉbÉä Gdà©ôj∞ Yø GŸàõ÷Ú.

Qa«≥ Gdù°ØôGC… T°îü¢ bó Méõ d«ù°Éaô e©μº ‘ S°ØôJμº.

G’EQgÉÜ/G’CYªÉ∫ G’EQgÉH«áG’EQgÉÜ gƒ GC… Nù°ÉQI GCh V°ôQ GCh Jμ∏Øá GCh fØ≤á e¡ªÉ cÉfâ WÑ«©à¡É Jæéº Hü°ƒQI eÑÉT°ôI GCh ZÒ eÑÉT°ôI

Yø GC… Yªπ GEQgÉH» GCh JàÉCJ≈ eæ¬ GCh Jà©∏≥ H¬, H¨†¢ Gdæ¶ô Yø GC… S°ÑÖ GCh Móç GBNô bó GCS°¡º ‘ Mü°ƒ∫Gÿù°ÉQI ‘ Gdƒbâ fØù°¬ GCh HÎJ«Ö GBNô. j≤ü°ó HÉd©ªπ G’EQgÉH» Y∏≈ S°Ñ«π GŸãÉ∫ ’ G◊ü°ô GS°à©ªÉ∫ Gd≤ƒqIGh Gd©æ∞ h/GCh Gdà¡ójó ’C…q T°îü¢ Gh ›ªƒYá eø G’CT°îÉU¢, S°ƒGA Jü°ôqaƒG eø J∏≤ÉA GCfØù°¡º Gh HÉdæ«ÉHá

Yø GC… eæ¶qªá )GCh eæ¶qªÉä( Gh Mμƒeá )GCh MμƒeÉä( GCh HÉdàæù°«≥ e™ GC…q eæ¡ªÉ ’CgóG± S°«ÉS°«qá Gh Ojæ«qáGh GjójƒdƒL«qá Gh ZÒgÉ, ÃÉ ‘ Pd∂ Gdæ«qá ‘ GdàÉCKÒ Y∏≈ GC… Mμƒeá h/GCh Jôg«Ö GÛàª™ Gh GC…q T°ôjëám eæ¬.



Gdù°ØÉQ… eû°«kÉ Y∏≈ G’CbóGΩ )Lƒdá eæ¶ªá(, Gd¨£ù¢ Mà≈ Yª≥ 03Ω, Gdàõdè Y∏≈ Gdã∏è ‘ YôHá ŒôgÉ cÓÜGCh GCMü°æá GCh Zõ’¿ côGcÖ, Gd¨ƒU¢ HÉd≤æÉ´ hGCfÑƒHá GdàæØù¢, QcƒÜ G’CeƒGê, T°óq G◊Ñπ, GdμôI Gd£ÉFôI, GdàõdèGd∏ƒM» GŸÉF» )eôJÑ£kÉ H£ÉFôI hQb«á(, GdÑƒdƒ GŸÉF», Gdàõdè GŸÉF», QcƒÜ Gdôeå ‘ GŸ«É√ GŸàóa≤á )Mà≈ GCf¡ôGdóQLá GdãÉdãá )GŸàƒS°£á((, G’fõ’¥ HÉ◊ÑÉ∫ )ÃÉ ‘ Pd∂ aƒ¥ Gdã∏è(, GdàóMôê OGNπ a≤ÉYá cÑÒI.

Gdæû°ÉWÉä GdàÉd«á Z«ô eû°ªƒdá HÉdà¨£«á:�GŸû°ÉQcá ‘ GC… fû°É• QjÉV°» M«å ⁄ jàºq GJÑÉ´ GQT°ÉOGä GŸæ¶qªÚ;�GCh GC… fû°É• QjÉV°» fiÎ±;�GCh GC… fƒ´ eø Gdù°ÑÉbÉä HÉS°àãæÉA Gdù°ÑÉ¥ Y∏≈ G’CbóGΩ;�GCh GC… fƒ´ eø GCfƒG´ G’CYªÉ∫ Gd«óhjá.

bó fù°à£«™ JƒaÒ J¨£«á dμº NÓ∫ fû°ÉWÉä GCNôi ZÒ e©óOI. GdôLÉA G’Jü°É∫ Hû°ôcá GCd«Éfõ S°æÉ Y∏≈Gdôbº 0066595169+ GCh GEQS°É∫ Hôjó GdμÎhÊ Y∏≈ Gd©æƒG¿ GdàÉ‹: moc.ansznailla@ofnicªÉ bójàƒLqÖ Y∏«μº Jù°ójó bù°§ GEV°É‘.Gdªæõ∫eμÉ¿ G’EbÉeá GŸ©àÉO ‘ dÑæÉ¿ M«å Jù°μæƒ¿.

Gd†°ÉeøGCd«Éfõ S°æÉ, eÑæ≈ GCd«Éfõ S°æÉ, G◊ÉRe«á, U¢.Ü.: 618256HÒhä - dÑæÉ¿.

Gdù°ØôIS°ØôI jàºq GELôGhDgÉ ‘ NÓ∫ aÎI Gd†°ªÉ¿ hJÑóGC MÉŸÉ J¨ÉOQh¿ eæõdμº GCh eμÉ¿ Yª∏μº )GCj¡ªÉ ’M≥( hJæà¡»

YæóeÉ J©ƒOh¿ GE¤ eæõdμº, GCh GE¤ eù°àû°Øk≈ GCh OGQ QYÉjá GCh eμÉ¿ Yª∏μº ‘ H∏ó GbÉeàμº, GCj¡É GCS°Ñ≥.

�HÉdæù°Ñá dà¨£«á S°ØôI hGMóI:

- Jàºq J¨£«àμº ‘ MÉ∫ cÉ¿ Yªôcº 57YÉekÉ GCh eÉ Oh¿ Yæó JÉQjï GEU°óGQ Hƒd«ü°àμº.- GdôMÓä OGNπ H∏ó GbÉeàμº d«ù°â e¨£ÉI.- GC… S°ØôI GCNôi JÑóGC H©ó YƒOJμº d«ù°â e¨£ÉI.

�HÉdæù°Ñá d∏à¨£«á Gdù°æƒjá GŸà©óOI Gdù°ØôGä:

- Jàºq J¨£«àμº ‘ MÉ∫ cÉ¿ Yªôcº 57YÉekÉ GCh eÉ Oh¿ Yæó JÉQjï S°ôjÉ¿ Hƒd«ü°àμº.- ’ Jàºq J¨£«á GE’ Gdù°ØôGä Gd≤ü°ÒI Gdà» “àóq 09jƒekÉ GCh GCbπ d∏ù°ØôI GdƒGMóI a≤§. ’ Jƒaqô gò√ GdÑƒd«ü°á

GC… J¨£«á d∏ôMÓä Gdà» JàéÉhR eóJ¡É 09jƒekÉ, GE’ GE¿ hGa≤æÉ Y∏≈ NÓ± Pd∂ Hü°ƒQI N£«á.- GdôMÓä OGNπ H∏ó GbÉeàμº d«ù°â e¨£ÉI.

V°ôhQI WÑ«áNóeá GCh YÓê jàÓAΩ hjàæÉS°Ö e™ Gdàû°î«ü¢ h’ Áμø Gdà¨ÉV°» Yæ¬ eø Oh¿ GdàÉCKÒ S°∏ÑkÉ ‘ MÉdá Gdû°îü¢GŸ†°ªƒ¿ Gdü°ë«á GCh ‘ fƒY«á GdôYÉjá Gdü°ë«á GŸƒaqôI, ÃƒLÖ GŸ©ÉjÒ Gd£Ñ«á GŸà©ÉQ± Y∏«¡É.

Rhê GCh W≤º YóO eø G’CZôGV¢ Gdà» Jû°μπ GŸªà∏μÉä Gdû°îü°«á )HÉS°àãæÉA e©óGä Gdàõdè( hGdà» Jæàª» dÑ©†°¡É GChJù°à©ªπ e©kÉ.aàôI Gd†°ªÉ¿ HÉdæù°Ñá dà¨£«á S°ØôI hGMóI:

�JÑóGC J¨£«á G’Ed¨ÉA GYàÑÉQkG eø JÉQjï G’EU°óGQ GŸÑ«qø Y∏≈ T°¡ÉOI Gd†°ªÉ¿GÿÉU°á Hμº hJæà¡» ‘ HóGjá



Gdû°ôj∂ GdàéÉQ…GC… T°îü¢ eƒLƒO ‘ H∏ó GbÉeàμºhj©ªπ e©μº Hü°ƒQI hK«≤á hZ«ÉH¬ Yø Gd©ªπ jóa™ Ãójôcº GE¤ Gd£∏ÖGEd«μº GEd¨ÉA S°ØôJμº GCh J≤∏«ü¢ eóJ¡É.

T°¡ÉOI Gd†°ªÉ¿GŸù°àæó Gdò… Jü°óQ√ T°ôcá Gd†°ªÉ¿ hGdò… jù°à©ªπ d∏àÉCcó eø hLƒO V°ªÉ¿ Gdù°Øô GÿÉU¢ Hμº.

bôjÖ GCh aôO eø Gd©ÉF∏á hGdóJμº )GCh hGdóI RhLμº GCh RhLàμº(, hGdócº )GCh hGdó RhLμº GCh RhLàμº(, Rhê hGdóJμº GCh RhLá hGdócº)GCh Rhê hGdóI RhLμº GCh RhLàμº GCh RhLá hGdó RhLμº GCh RhLàμº(, T°≤«≤àμº )GCh T°≤«≤á RhLμº GChRhLàμº(, T°≤«≤μº )GCh T°≤«≥ RhLμº GCh RhLàμº(, RhLàμº, RhLμº, N£«Ñμº GCh N£«Ñàμº, T°ôjμμº,GHæμº )GCh U°¡ôcº(, GHæàμº )GCh cæqàμº(, GEHø RhLμº GCh RhLàμº, GHæμº GŸàÑæq≈, Lócº GCh LóJμº, MØ«ócºGCh MØ«óJμº, Yªμº GCh NÉdμº, Yªàμº GCh NÉdàμº, GCNƒcº ZÒ Gdû°≤«≥ GCh GCNàμº ZÒ Gdû°≤«≤á.

f≤£á G’f£Ó¥GŸ£ÉQ Gdò… JÑóGC eæ¬ S°ØôJμº eø H∏ó G’CbÉeá GE¤ GdƒL¡á GŸ≤ü°ƒOI hGdò… jÑóGC eæ¬ Gd≤ù°º G’CNÒ eøS°ØôJμº GE¤ H∏ó G’CbÉeá.

Gd£Ñ«ÖWÑ«Ö eƒDgπ bÉfƒfkÉ hMÉFõ Y∏≈ Gdû°¡ÉOI Gd†°ôhQjá ‘ GdÑ∏ó Gdò… ÁÉQS¢ a«¬ e¡æà¬ MÉd«kÉ, HÉS°àãæÉFμº GCfàºhGCbÉQHμº.

GdëÉdá Gd£ÉQFáG◊Édá Gd£Ñ«á GŸàÉCJ«á eø eôV¢ GCh MÉOç hGdà» Jà£∏qÖ ONƒ∫ GŸù°àû°Ø≈ Hü°ƒQI WÉQFá hGdà» jù°ÑÖ GdàÉCNÒ

‘ e©É÷à¡É ŸóI JàéÉhR jƒΩ Gd©ªπ GdôS°ª» GdàÉ‹ JógƒQ N£Ò hOGFº ‘ G◊«ÉI GCh Gdü°ëá GCh hXÉF∞G÷ù°º GCh GCY†°ÉA Gdû°îü¢ GŸ†°ªƒ¿.

G’bà£É´G◊ù°º Gdò… S°æ≤ƒΩ H¬ eø GŸÑ∏≠ GŸù°àë≥ ÃƒLÖ gò√ GdÑƒd«ü°á Yø cπ T°îü¢ e†°ªƒ¿, Yø cπ bù°º, Yøcπ e£ÉdÑá.

fØ≤Éä GdóaøS°æóa™ GEeÉ fØ≤Éä f≤π LãªÉfμº GCΩ QeÉOcº GE¤ eæõdμºGCh fØ≤Éä Oaæμº ‘ GŸμÉ¿ M«å Jàƒaqƒ¿ NÉQê H∏óGCbÉeàμº, hPd∂ Mà≈ MóhO GŸÑ∏≠ GŸÑ«qø ‘ e∏îü¢ Gdà¨£«á d∏ªÑÉd≠ GŸ©≤ƒdá.

Gdæû°ÉWÉä Gdî£ôI Gdæû°ÉWÉä GdàÉd«á e¨£qÉI J∏≤ÉF«vÉ:Gd¡Ñƒ• eø bªº G÷ÑÉ∫, GdôeÉjá, G’Cd©ÉÜ GdôjÉV°«á, QcƒÜ bÉQÜ GŸƒR, Gd≤Øõ HÉ◊ÑÉ∫, QcƒÜ GdõhGQ¥ )Mà≈GCf¡ô GdóQLá GdãÉf«á )GŸÑàóFá( hd«ù¢ ‘ GŸ«É√ GŸàóa≤á(, Jù°∏≥ G÷óQG¿, Gdμôjμ«â, Gdü°«ó ‘ GdÑëô Gd©ª«≥,côI Gd≤óΩ )fƒGO… G’CWØÉ∫ ‘ GŸæàé©Éä a≤§(, GŸû°» ‘ G’Cf¡ô G÷∏«ójá, Gd¨ƒd∞, fû°ÉWÉä G◊ÑÉ∫ GŸôJØ©á,GŸû°» Ÿù°ÉaÉä Wƒj∏á )GdÎMÉ∫ hGŸû°»(, Gd¡ƒc» )eÉ Oh¿ S°ø Gd`61hHÉS°àîóGΩ Yü°» Nû°Ñ«á(, QcƒÜ Gÿ«π

)NÉQê GEWÉQ GŸæÉaù°Éä hGdù°ÑÉbÉä hGd≤Øõ hGdü°«ó hGdØôhS°«á hGdÑƒdƒ heÑÉQjÉä GdôhOjƒ(, QcƒÜ eæ£ÉO Gd¡ƒGAGdù°ÉNø )÷ƒ’ä Gdàù°∏«á GŸæ¶ªá a≤§(, Gdàõdè Y∏≈ Gdã∏è GCh GdàõM∏≥ Y∏≈ T°ØôI )HÉS°àãæÉA Gdàõdè Gdù°ôj™(,QcƒÜ Gdμ«É∑ )Mà≈ GCf¡ô GdóQLá GdãÉf«á )GŸÑàóFá( hd«ù¢ ‘ GŸ«É√ GŸàóa≤á(, b«ÉOI GdóQGLÉä ‘ G÷ÑÉ∫, GdàõdèGŸÉF» HÉŸ¶∏á )Y∏≈ GŸÉA(, GdògÉÜ ‘ QMÓä Wƒj∏á Y∏≈ U°¡ƒI G÷«ÉO, Gd¡Ñƒ• HÉ◊ÑÉ∫,Gdàõdè Y∏≈ GŸÉA ‘Gd©ƒqGeÉä Gd≤ÉH∏á d∏æØï, GdàõM∏≥ Y∏≈ G’CS°£ƒGfá GCh Y∏≈ GŸõ’ê GŸóhdÖ )e™ GYàªÉQ GÿƒPI hGdƒS°ÉOGä GdƒGb«á(,Gdàéòj∞, QcƒÜ G’CeƒGê GCh Gdàõdè Y∏≈ GŸÉA HƒGS°£á Gdôjí, QMÓä Gdù°ØÉQ… ‘ GŸôcÑá )Lƒdá eæ¶ªá(, QMÓä



- S°Éaô” GCfàº GCh GC… T°îü¢ e†°ªƒ¿ GBNô ‘ NÓ∫ eóI Gd`84S°ÉYá GŸòcƒQI GYÓ√;- GCh Qa©àº e£ÉdÑá GCh fƒjàº Qa©¡É;- GCh dójμº J¨£«á S°æƒjá eà©óOI Gdù°ØôGä. GE’ GC¿q G’Ed¨ÉA jî†°™ dà≤ójô T°ôcá Gd†°ªÉ¿ hMógÉ.

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